KR20010007713A - Method of paying the price using loan for electronic-commercial transaction - Google Patents

Abstract

PURPOSE: A settlement method using loan for electronic commerce payment is provided to lower a commission and to prevent the exposure of private information. CONSTITUTION: If a client requests the information of a price settlement method(400), a server of an electronic commerce company informs the client of the price settlement method(404). The server searches whether the client selects a settlement through an electronic commerce price settlement dedicated loan using his terminal(406). If the client selects the settlement, the server accesses a server of a financial institute and moves to a loan site in the financial institute(410). The financial institute server confirms whether the client is an existing member who has requested the settlement of the price(412). If he is the existing member, the financial institute server guides the client to input modified examination contents(414). If he is not the existing member, the financial institute server checks the possibility of price settlement for the client through an automatic loan examination system and informs the client of a result in real time(416).

Description

Payment method using loan for e-commerce payment {METHOD OF PAYING THE PRICE USING LOAN FOR ELECTRONIC-COMMERCIAL TRANSACTION}

The present invention relates to an electronic commerce method, and more particularly to a payment method for e-commerce payment dedicated loan.

Payment in electronic commerce such as Internet shopping malls or electronic commerce between companies is adopted by the payment method using a credit card or by account transfer.

In case of adopting the payment method using the credit card, it is difficult to additionally bear the installment fee and the merchant fee of the card company. In particular, the lending rate of credit card companies is 11.25% ~ 13.75%, whereas the installment rate of credit card companies is 14.5% ~ 17.5%, and merchant fees are 2.5 ~ 5.0% or more per product. It is becoming.

In addition, since the e-commerce company is operated in the form of directly requesting the personal financial information credit card number, account number and password, there was a problem that there is a possibility of exposure of credit card number, account number and password.

Such expensive fees and the possibility of personal information exposure have been a deterrent to the activation of electronic commerce.

As described above, according to the conventional e-commerce payment method, there is a possibility of expensive fees and personal information exposure, which has been a factor that can inhibit the activation of e-commerce.

Accordingly, an object of the present invention is to provide a payment method using an e-commerce payment dedicated loan that can lower the fee and also prevent personal information exposure.

1 is a configuration diagram of a system to which the present invention is applicable;

Figure 2 is a flow chart of a payment method using an e-commerce payment dedicated loan in accordance with a preferred embodiment of the present invention.

The present invention for achieving the above object is a step of searching whether the customer requires a payment through the payment dedicated loan in the shopping mall of the e-commerce company affiliated with a financial institution that provides a dedicated e-commerce payment service; Moving to a loan site of the financial institution if a payment is required, and performing a dedicated loan for payment; and providing the loan as a payment to the e-commerce company when the loan is made normally. It is characterized by.

The present invention concludes a business alliance agreement between a financial institution and an e-commerce company in order to activate the e-commerce and allows the e-commerce company to supplement part of the loan interest burden to reduce the burden on customers. In particular, the e-commerce company supplements a part of the sales profit with a portion of the loan interest burden, and the burden may be set at the level of the merchant fee of the card company. In addition, the present invention can be carried out through the Internet banking system of a financial institution that guarantees e-commerce payments, it is possible to reduce the risk of exposure of personal information.

According to this method, the e-commerce company can pay only a low level of fees compared to the card company's merchant fee, and the customer pays only the lending interest subtracted by the fee charged by the e-commerce service provider. Therefore, the present invention can allow the e-commerce company and the customer to pay a fee lower than the fee of the card company.

The financial institution may enable the customer to simply pay the transaction price by automatically withdrawing the transaction price from the customer's account to the e-commerce service provider when the customer requests a real transaction.

Now, a payment system according to a preferred embodiment of the present invention described above will be described.

First, referring to FIG. 1, which illustrates a connection between a customer terminal, a server of an e-commerce company, and a server of a financial institution, the e-commerce company and the financial institution cooperate with each other to predetermine a fee for each product sold by the e-commerce company. . These fees are then used to reduce the loan interest of the customer when the customer makes a payment-only loan. These fees are provided by the e-commerce company to the financial institution in real time at the time of the customer's purchase, or the fees are summed over a certain period of time. E-commerce companies can provide them to financial institutions.

The customer may visit the shopping mall operated by the e-commerce company by accessing the server 200 of the e-commerce company through the terminal 100. When a customer requests payment through a dedicated payment loan during a visit to the shopping mall, the server 300 of the financial institution linked to the shopping mall is connected to the loan site of the financial institution. In this loan site, customers can make payments through the payment-only loan process. Here, since the fee for the product can be settled as previously agreed between the financial institution and the e-commerce company, the loan interest of the customer can be reduced by the fee.

The payment procedure according to the preferred embodiment of the present invention will be described with reference to the flowchart shown in FIG. 2.

When a customer visits an Internet shopping mall of an e-commerce company affiliated with a financial institution that provides a loan for e-commerce payment, and requests for a payment method, the e-commerce company's server 200 proceeds to step 404 to make a payment. Guide your payment. For example, the installment fee of KEB is 0.3% per month, and the loan rate of KEB is 9% per year. In addition to providing a comparison of annual data to help customers understand this, it also guides the monthly installment payment. In particular, financial institutions and e-commerce companies may charge fees differently depending on the goods. In this case, the interest on loans paid by the customers according to the goods is also displayed. The loan interest of the customer is based on Equation 1.

Loan interest paid by customer = Loan rate of financial institution-Fee paid by e-commerce company

After the guidance, the server 200 of the e-commerce company proceeds to step 406 to search whether the customer selects the payment through the e-commerce payment dedicated loan through the terminal 100. At this time, if the customer selects the payment through the payment only loan proceeds to step (410). In step 410, the server 200 of the e-commerce company is connected to the server 300 of the financial institution and moves to the loan site of the financial institution. Thereafter, the server 300 of the financial institution proceeds to step 412 and receives information on whether the customer has previously made a payment request from the customer, and if the customer has previously made a payment request, proceeds to step 414. Proceed to guide the customer to enter the change screening content and proceeds to step 416 after receiving the input.

If the customer is not a member who has already made a request for payment, proceed to step 416 to check whether the customer can make a payment through an automatic loan screening system such as CSS, and guide the customer in real time.

Typically, the automatic loan screening system performs the screening through various types of information on the degree of credit and the degree of assets of the loan subject, so that the member inputs various information for the screening when the screening request is made. Evidence of the information entered above shall be submitted by the member directly to the financial institution, when the employee of the e-commerce company visits for the delivery of goods, or when the employee of the e-commerce company is offline with the e-commerce company. You can have them submit. In particular, in case of submitting to the e-commerce company, the financial institution may use the pre-contract to reflect the act of preservation of the bonds such as the storage and retrieval of evidence through cooperation with the e-commerce company.

In order to eliminate the hassle of submitting the above-mentioned documentary evidence, it is possible to adopt a method of acknowledging the credibility of the member if a number of companies and financial institutions are connected and the member is found to be working for the affiliated company. .

The server 300 of the financial institution proceeds to step 418 and proceeds to step 422 if the automatic loan examination result for the customer is determined to be possible to pay the bill. Otherwise, the server 300 proceeds to step 420. Guide the impossible.

In step 422, the server 300 of the financial institution performs authentication for a customer. In a preferred embodiment of the present invention, an Internet banking authentication method is adopted as the authentication method. The authentication method may be replaced with the authentication method when the standard of electronic commerce authentication is established. If the authentication is successful and the Internet banking transaction is possible, the process proceeds to step 426, otherwise proceeds to step 424. If the customer agrees to deposit the loan in the transaction account of the e-commerce company as the payment in step 426, the loan is deposited in the transaction account of the e-commerce company.

On the other hand, if the Internet banking transaction with the customer is not possible, proceed to step 424 and if the customer agrees to deposit the loan in the transaction account of the e-commerce company as the payment amount, after notifying the e-commerce company as a temporary payment, the customer is offline. When the Internet banking transaction is newly established and a transaction transfer password and a safety card are granted, the loan is deposited in the transaction account of the e-commerce company by using the e-commerce company's temporary payment column.

When the payment is completed as described above, the server 300 of the financial institution proceeds to step 428 to settle the fee with the e-commerce company, and proceeds to step 430 in relation to the loan payment notice and interest payment, etc. Email the notice to the customer.

In order to use the payment method as described above, the customer should be a lender capable of internet banking, and the e-commerce company should make a business alliance with a financial institution after planning a product for a product margin and a schedule margin of a loan.

After the customer purchases the goods, the customer enters the Internet banking security card number, transfer password, etc. to apply for payment, and the e-commerce company sends the customer's social security number to the financial institution to verify the validity of the transaction. The payment for goods is executed immediately upon confirmation of payment by the applicant, and is deposited and processed in a separate payment management account. The fee can be settled at regular intervals, and when the fee settled method is adopted at the fixed cycle, the e-commerce company provides the transaction specification and the basis for calculating the balance on the payment date for the balance sheet. .

The present invention has the advantage of reducing the burden on customers by signing a business alliance agreement between a financial institution and an e-commerce company and replenishing a portion of the loan interest burden in an e-commerce company in order to activate the e-commerce. This can increase the sales of the customer, which can be a factor that can reduce the price of goods for e-commerce companies. In addition, it is possible to sell new loan products to financial institutions, and there is an advantage of being able to guarantee linked imports according to the sale of goods rather than financial income. In addition, the fee can be reduced to the individual, and there is an advantage to protect personal information by paying the bill through a financial institution that can be guaranteed security.

Claims (5)

In the payment system using a dedicated payment loan of electronic commerce providing the sale and purchase of goods on the Internet, Searching whether the customer requires a payment through a loan for exclusive use of a payment at a shopping mall of an e-commerce company affiliated with a financial institution that provides an e-commerce payment loan; If the payment is required to go to the loan site of the financial institution to perform a dedicated loan for payment; If the loan is made normally, the payment method using an e-commerce payment dedicated loan, characterized in that it comprises the step of providing the loan as the payment price to the e-commerce company. The method of claim 1, The financial institution charges a fee for the goods sold by the e-commerce company, the payment method using the e-commerce payment dedicated loan, characterized in that the amount of the fee is subtracted from the loan interest of the customer. The method of claim 1, When the financial institution provides the loan to the e-commerce company, the payment method using the e-commerce payment dedicated loan, characterized in that the authentication according to the Internet banking authentication method. The method of claim 1, If the payment is required, the loan method of the financial institution performs a loan check for the customer in real time, and provides the result in real time to the customer characterized in that the payment method using a dedicated e-commerce payment. The method of claim 2, The fee for the goods is a payment method using an e-commerce payment dedicated loan, characterized in that paid to a financial institution at regular intervals according to the contract conditions.