KR20010044265A - Payment method of electrnic commerce - Google Patents

Abstract

PURPOSE: An electronic commerce payment method is provided to enable a user to open an electronic shopping account in connection with a real bank account, and to pay for commodity purchase or contents service in an electronic commerce site via the electronic shopping account so that it can enhance an electronic payment security. CONSTITUTION: The method comprises steps of a user opening an online shopping account by accessing a bank site, and inputting necessary personal data(100), a user opening a real bank account by using a conventional bank account open process(200), the user accessing an internet shopping mall(301), the user selecting an electronic shopping account link button among a plurality of payment methods in the case that the user pays for a purchase or a service in the internet shopping mall(302,303), a shopping mall server displaying an input window for the electronic shopping account(304), the user inputting an account number, an ID and a password(305), the shopping mall server executing a user certification process and checking a balance(307), the shopping mall server comparing the payment amount with the balance(308), and the shopping mall server withdrawing corresponding money from the real bank account connected to the electronic account and remitting the money to a corresponding seller or service provider(310).

Description

Payment method in electronic commerce using electronic shopping account {PAYMENT METHOD OF ELECTRNIC COMMERCE}

The present invention relates to a payment method in electronic commerce, and more particularly, by opening a virtual payment account for electronic shopping linked to a real account opened in a bank so that payments can be withdrawn directly from the bank's account during a transaction in electronic commerce. The present invention relates to a payment method in an electronic commerce using an electronic shopping account that makes cash payment more convenient.

As the use of the Internet becomes active, e-commerce using the Internet has emerged as a new commerce culture, and commerce has also increased rapidly.

However, the biggest problem in the electronic commerce is the payment method, so far the online payment method and the credit payment method is mainly used.

In the online deposit method, the seller informs the deposit account, and when the purchaser deposits the corresponding amount into the deposit account after the purchase application, the product is sent to the buyer. In this case, there is no risk of leakage of credit information, but it is inconvenient for the buyer to stop by the bank and deposit the amount online. If you are dissatisfied with the purchased goods after the online deposit, the procedure for receiving the money back is complicated. have.

In addition, the credit settlement method is performed by a proxy service provider (PG) company connected to a credit institution to handle the approval of credit transactions in each shopping mall and inform the shopping mall of the result. Because the payment process is not made, but through credit institutions and agency service companies, it is easy to cancel purchases and return payments for a certain period of time, but there is a risk of leaking credit information. However, there is a problem that the provision of security measures for this is the biggest problem.

The present invention has been proposed in order to solve the above-mentioned conventional problems, and an object thereof is to open a virtual e-shopping account linked to an account which is opened in a real bank and has money deposited therefrom and through the relay of a financial institution from the account. It is to provide a payment method in electronic commerce using an electronic shopping account that can safely make cash payments.

1A and 1B are flowcharts showing step by step payment methods in an electronic commerce according to the present invention.

2 is a block diagram schematically illustrating an electronic commerce system to which a payment method according to the present invention is applied.

3 is a screen diagram showing an example of a shopping mall site using an electronic shopping account as a payment means according to the present invention.

As a constitutional means for achieving the above object of the present invention, the present invention is a payment method in an electronic commerce made between the user's terminal, the merchant server and the electronic payment system of the financial institution over the Internet,

(A) opening a virtual e-shopping account connected to a mother account which is actually opened by a user accessing a server of a corresponding financial institution;

(B) the seller registers the electronic shopping account as a payment means;

(C) a user connecting to a seller server that can pay with an electronic shopping account, and selecting an electronic shopping account as a payment means after purchasing a product;

(D) displaying an input window for inputting an electronic shopping account authentication number and user recognition data on a user terminal, and inputting the information by the user;

(E) the seller server transmitting the information input by the user to the electronic payment system of the financial institution together with the payment request amount and requesting transaction authentication;

(F) If the electronic payment system of the financial institution confirms the user's identity on the basis of the information received from the seller server, and if it is confirmed that the user is verified, comparing the mother's account balance of the corresponding electronic shopping account with the payment request amount to determine whether to be certified. ;

(G) if the mother account balance is equal to or greater than the payment request amount, authenticating the transaction and withdrawing the payment request amount from the mother account in real time; And

(H) If the balance of the mother account in the step is less than the payment request amount, characterized in that it comprises the step of not authenticating the transaction.

Hereinafter, a payment method in an electronic commerce using an electronic shopping account according to the present invention will be described in detail with reference to the accompanying drawings.

1 is a flowchart showing a step-by-step payment method in an electronic commerce using an electronic shopping account according to the present invention.

In order to perform the payment method according to the present invention, a user must apply for an electronic shopping account, which can be performed in two ways, online and offline.

The online e-shopping account application 100 is connected to a bank site that provides a service for opening an e-shopping account using a terminal connected to the Internet (101), and selects an e-shopping account new item from the connected bank site. The bank server (not shown) inputs basic information, that is, a mother account number to be connected to the electronic shopping account, a password for checking the user of the mother account number and a resident registration number for checking the account holder, and requests the opening of the electronic shopping account ( 102).

As described above, the information input by the user is transmitted to the bank server through the communication network, and the bank server authenticates the user with the input information (mother account number, social security number, etc.), and if the identity is confirmed, issues a certificate (104). . In this case, identification data (eg, a certificate number) of the issued certificate is transmitted to the user in various ways through the Internet (104).

In addition, the application 200 for the offline electronic shopping account is visited by the user directly to the financial institution, that is, the bank or safe, etc., and fills out an application provided in the financial institution (201). The application is designed to enter the mother account number, password, social security number, and the like.

After completing and submitting the application form as described above, the person in charge of the financial institution goes through the process of verifying the identity and the mother account (202), if the facts about the information described in the application is confirmed (203). In the certificate, identification data (for example, a certificate number) for recognizing an electronic shopping account is displayed.

As described above, when the application of the electronic shopping account is completed and authenticated, the user can directly pay the purchase price or service fee of the product during the electronic commerce transaction from the electronic shopping account. The process of use is as follows.

That is, the user who received the certificate of the electronic shopping account as described above connects the Internet to the shopping mall by using a predetermined personal computer (301).

Then, after browsing the shopping mall and enjoying online shopping, if a payment is required by purchasing a predetermined item (302), the shopping mall proposes a plurality of payment methods including an electronic shopping account payment method linked with a bank server. In operation 303, the user selects an e-shopping account link button of a bank in which his e-shopping account is opened. After the above, the server of the shopping mall and the server of the financial institution is connected to the payment processing, which is as follows.

That is, when the user clicks on the e-shopping account link button, the shopping mall server displays the e-shopping account input window on the user terminal (304), and the user authenticates the e-shopping account number on the display of the e-shopping account input window. Enter your ID, password, etc. for identification (305).

The shopping mall server transmits the information entered above to the server of the financial institution together with the payment amount, and the server compares the internal registration information with the transmitted information to verify the identity and the balance of the mother account connected to the electronic shopping account. Check (307), and compares the identified balance is more than the payment (308).

As a result of the comparison, if the balance is more than the payment amount, the transaction is authenticated, and the payment is withdrawn from the mother account and provided to the seller through a method such as transfer (310). If the balance is less than the payment amount, the transaction is not authenticated. The transaction is minimized (312).

As described above, the transaction is canceled or the transaction is terminated because the transaction is processed (313).

3 is a diagram illustrating a network implemented to perform payment processing as described above, where 21 is a user terminal used by an individual user 21a for accessing the Internet, and 22 is an electronic shopping account opened and a payment is made from the electronic shopping account. An electronic payment system of a financial institution that authenticates and processes a registration server 221, a payment gateway 222, information about a customer who opens an electronic shopping account in a bank, and a registration server 221 which processes registration of an electronic shopping account applied online or offline. DBMS 223 for storing and managing account information, an electronic shopping account authentication server 224 for processing transaction authentication through an electronic shopping account requested externally, payment gateway management server 225, and the devices It consists of an interlocking device 226 to interlock with the system, 23 is the authorized certification authority 23, 24 is a shopping mall, 24 is a plurality of shopping malls Take a transaction authentication request from the server that is acting on behalf of the trade process in conjunction with the electronic payment system (22) of the financial institution.

In the above system, the electronic shopping account is registered between the user and the financial institution. Since the offline method is the user directly visiting the financial institution and applying for the registration, the electronic shopping account is only registered with the registration server 221 of the electronic payment system 22. Other explanations are omitted.

In addition, the online electronic shopping account registration is connected to the registration server 221 when the user requests the registration of the electronic shopping account by accessing the electronic payment system 22 through the Internet through the user terminal 21, and is shown in FIG. As described in step 100, a mother account number, a password, an ID, a resident registration number, etc. are input, and after confirmation of identity, an electronic shopping account is opened and registered, and the authentication number is transmitted to the user terminal 21.

In addition, the shopping mall 24 is provided with a payment processing means by an electronic shopping account connected to the transaction server 25.

Therefore, when the user 21a accesses the shopping mall 24 via the Internet, purchases a predetermined item, and selects the electronic shopping account payment, the shopping mall 24 receives information about the electronic shopping payment account from the user 21a. Receives personal identification information (ie, authentication number, ID, password, etc.) and transmits the transaction amount (payment amount) to the transaction agency server 25 to request transaction verification.

The transaction server 25 is connected to the electronic payment system 22 of the financial institution, and confirms the identity verification and authentication of the electronic shopping account on behalf of the financial institution, the actual e-shopping account and the user is the founder If confirmed, the transaction management server 225 transfers the transaction authentication request message.

In the above, the trading agent server 25 and the electronic payment system 22 of the financial institution are connected through a dedicated line.

Accordingly, the P / G management server 225 processes steps 307 to 312 shown in FIG. 1 in association with the DBMS 223 and the electronic shopping account authentication server 224 to determine whether the transaction is authenticated. When the authentication for the transaction is made in the above, withdrawal of money is made in real time from the parent account of the electronic shopping account.

In the above, the transaction agency server acts for the recruitment of customers and merchants, the settlement and the management of the shopping mall, the actual issuance of certificates related to payment processing, payment settlement, customer information management to be performed in the financial institution.

Figure 3 shows an example of a shopping mall site that provides an electronic shopping account as a payment means according to the present invention, the bank button 31a is linked to the payment means with information on the sale item, the bank button 31a If you select), you will see the e-shopping account input window as shown in 32.

As described above, the present invention allows payment processing for expenses in electronic commerce using an account actually opened in a bank, thereby securing reliability by a trusted financial institution and presenting it at a government agency (Financial Supervisory Service). To meet the requirements of the electronic payment system, there is an excellent effect that can provide a means of payment that the user can use simply and conveniently.

Claims (4)

In the payment method in the electronic commerce made between the user's terminal, the merchant server and the electronic payment system of the financial institution over the Internet, (A) opening a virtual e-shopping account connected to a mother account which is actually opened by a user accessing a server of a corresponding financial institution; (B) the seller registers the electronic shopping account as a payment means; (C) a user connecting to a seller server that can pay with an electronic shopping account, and selecting an electronic shopping account as a payment means after purchasing a product; (D) displaying an input window for inputting an electronic shopping account authentication number and user recognition data on a user terminal, and inputting the information by the user; (E) the seller server transmitting the information input by the user to the electronic payment system of the financial institution together with the payment request amount and requesting transaction authentication; (F) If the electronic payment system of the financial institution confirms the user's identity on the basis of the information received from the seller server, and if it is confirmed that the user is verified, comparing the mother's account balance of the corresponding electronic shopping account with the payment request amount to determine whether to be certified. ; (G) if the mother account balance is equal to or greater than the payment request amount, authenticating the transaction and withdrawing the payment request amount from the mother account in real time; And (H) If the balance of the mother account in the step is less than the payment request amount, the payment method in the electronic commerce using an electronic shopping account, characterized in that it comprises the step of not authenticating the transaction. The electronic shopping account of claim 1, wherein the step (a) is to provide an electronic shopping account after authentication of the mother account by receiving a mother account number, a social security number, a password, and an ID from a user. How to pay in commerce. [4] The electronic shopping account of claim 1 or 2, wherein the application of the electronic shopping account in the step (a) is performed in an offline manner in which the user visits the financial institution in person and prepares an application. Payment method in commerce The method of claim 1, wherein the payment method relays the transaction between the seller server and the electronic payment system of the financial institution, and a transaction authentication request from the seller server is transmitted to the transaction agency server, and the transaction agency server checks the identity. After checking whether the electronic shopping account is true and checking the identity, the transaction agency server requests the authentication to the financial institution's electronic payment system, and the electronic institution's electronic payment system displays the balance of the mother account and the payment request amount. Comparing the transaction authentication process, and the result is transmitted to the seller server through the transaction server, characterized in that the payment method in the e-commerce using an e-shopping account.