KR20010048795A - System and Method for Cash Payment in Electronic Commerce - Google Patents

Abstract

PURPOSE: A system and a method for paying an electronic money using a cyber account are provided to perform an account moving, a balance refund and to remove a cost load by linking ones real name finance. CONSTITUTION: An electronic cash paying system(30) is connected to a server of a merchant(20) server being connected to a client's computer through the internet and performing an electronic commercial transaction and transmits/receives information to the merchant's server. A bank server is connected to the electronic paying system(30) through a leased line and transmits/receives information by using a predetermined protocol. A cyber account DB manages a cyber bankbook of the client(10). An engine is provided for performing a registering of the cyber bankbook of the client(10), a fund exchanging, a fund paying, a fund charging and a fund moving of the cyber bankbook. The bank server has a real account DB for managing a real account being linked the cyber bankbook.

Description

System and Method for Cash Payment in Electronic Commerce}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to cash payments in electronic commerce, and more particularly, to a cash payment system and method in electronic commerce for making cash payments more efficiently in the case of electronic commerce over the Internet.

In general, when a customer purchases an item at the time of electronic commerce through the Internet, the corresponding price should be paid. In the past, a payment method using a medium (MS card) has been used.

In the case of payment using a medium (MS card), first, the medium (MS card) is distributed to the customer, and the transaction is paid by charging the medium with a credit card through the use registration on the Internet.

However, the above-mentioned medium (MS card) is not connected with the financial real name, so it is difficult to develop into a bank transfer, etc., and there is a problem that the balance cannot be refunded. In addition, due to the use of the medium (MS card) to pay the use fee due to the use of the media (MS card) due to the double economic burden of the customer is an obstacle to the activation of electronic commerce. On the other hand, from the merchant's point of view, there is a problem in that human costs are required to manage the payment according to the customer's payment because the processing to collect and collect the bill to the financial institution at the time of payment of the customer.

The present invention has been made to solve the problems described above, the object of the present invention is to enable the transfer of funds in conjunction with the financial real name, and to enable the refund of the balance, and to exclude the burden of the usage fee for the customer.

Another object of the present invention is to reduce the human cost of the merchant in accordance with the payment of the customer by completing the payment settlement process to the merchant on the Internet at the time of payment of the customer.

1 is a flow chart illustrating a cash payment process in an electronic commerce according to the present invention.

Figure 2 is a process at the time of cyber bank account registration in the present invention.

Figure 3 is a process at the time of payment in the present invention.

Figure 4 is a process at the time of transfer of funds in the present invention.

Figure 5 is a processing chart at the time of cyber bank account charging in the present invention.

Figure 6 is a data flow diagram of the cyber account DB in the present invention.

Figure 7 is a flow chart of the interworking process between the cyber account DB and the bank real account DB in the present invention.

Explanation of symbols on the main parts of the drawings

10: Customer 20: Trader

30: Electronic Cash Payment System 40: Bank

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

Looking at the cash payment system in the e-commerce according to the present invention, the customer's PC and the merchant's server is interconnected via the Internet, the merchant's server is connected to the electronic cash payment system to transmit and receive information, and the corresponding electronic payment system Is connected to the bank's server to send and receive information to each other, but the bank's server and the electronic payment system are connected to each other via a dedicated line and configured to send and receive information using the X.25 protocol. Meanwhile, in the present invention, the electronic cash settlement system opens a cyber bank account for each customer by passing a request authorized from the customer via the merchant to the bank, and each customer funds his cyber account from the bank's real account. It is configured to pay the funds of the cyber bankbook during electronic commerce, exchange the balance in the cyber bankbook into the real account of the bank, and transfer the funds of the cyber bankbook to another account.

The cash settlement process in the electronic commerce according to the present invention is performed as shown in FIG.

That is, the cash settlement process in the electronic commerce according to the present invention includes a registration process for establishing a cyber bank account for a customer, a charging process for charging a cyber bank account from a customer's bank account, and a product from the cyber bank account for the customer. It consists of a payment process that pays the purchase price, a currency exchange process that deposits the funds in the cyber bank account into a customer's bank account, and a transfer process that transfers the money in the cyber bank account to another cyber account.

Explain the registration process. First, when the customer 10 requests the merchant 20 to register (step S1), the merchant 20 requests the personal information from the customer 10 (step S2), and the customer 10 owns his / her own personal information. Information is inputted and sent to the merchant 20 (step S3). At this time, the merchant 20 gives a member number to the customer 10 (step S4), sends the member number to the electronic cash settlement system 30 (step S5), and the electronic cash settlement system 30 Member information is requested from the merchant 20 (step S6), and the merchant 20 sends member information about the customer 10 to the electronic cash settlement system 30 (step S7). Accordingly, the electronic cash settlement system 30 sends the member information to the bank 40 (step S8), and the bank 40 opens a cyber account for the customer 10 to the electronic cash settlement system 30. And give a cyber bankbook number (step S9), and the electronic cash settlement system 30 opens a cyber bankbook to the customer 10 via the merchant 20 (step S10).

Data processing in the registration process as described above is performed as shown in the flowchart of FIG. That is, when the member information including the real account number, the real account password, the cyber bank account password, and the customer's personal information is input to the electronic cash settlement system 30 through the merchant 20 (step T1), the electronic cash settlement system ( 30) stores the member information in its DB (Data Base) (step T2), sends the member information to the bank 40 (step T3), and accordingly, the bank 40 opens a cyber account to open the cyber account. Give the bank account number and inform the electronic cash settlement system 30 (step T4). After completing the cyber bank account registration for the customer 10 (step T5), the customer 10 accesses the cyber via his PC. After checking whether the bankbook needs to be charged (step T6), if it is determined that it needs to be charged, the charging process is executed (step T8), and if no charge is required, the initial screen is entered (step T7).

The following describes the charging process. First, when the customer 10 requests the bank 40 to transfer the funds from the real account to the cyber bank account (step S11), the bank 40 sends the funds of the customer's real account to the electronic cash settlement system 30. Transfer the funds to the cyber bankbook to charge the cyber bankbook (step S12).

Data processing in this charging process is performed as shown in FIG. That is, when the customer 10 requests the bank 40 to recharge and transfer funds from his real account to the cyber account by inputting a cyber passbook number, a password and a charge amount (step T31), the bank 40 The DB system of the customer checks whether the real account balance of the customer 10 is greater than the charged amount (step T32), and if the real account balance is not greater than the charged amount, an error processing is performed and the balance of the real account is returned to the customer 10. If the shortage is notified (step T33), and the balance of the real account is more than the amount charged, the funds of the real account are transferred to the cyber bank account to be charged (step T34), and the customer 10 is charged to the cyber bank account. To be completed (step T35).

It also explains the payment process. First, when the customer 10 requests the merchant 20 to purchase a product (step S21), the merchant 20 requests the customer 10 to pay the price (step S22), and the customer 10 pays electronic cash. (Step S23). At this time, the merchant 20 sends the full payment request to the electronic cash settlement system 30 (step S24), and accordingly the electronic cash settlement system 30 sends the funds in the customer's cyber account to the merchant 20. By sending, payment processing is performed (step S25), and the customer 10 is confirmed the balance of the cyber bankbook (step S26).

This data processing in the payment process is performed as shown in FIG. That is, when the electronic cash payment system 30 receives the full payment request from the merchant 20 (step T11), it is checked whether or not the payment account of the cyber bank account for the customer 10 exists (step T11). T12), if the payment account does not exist, error processing is performed to notify the customer 10 that there is an error in the password or a cyber account number (step T13), and if the payment account exists, the customer (10). Check whether the balance of the cyber bank account is equal to or greater than the payment amount (step T14). At this time, the electronic cash settlement system 30 notifies the customer 10 that the balance is insufficient by performing an error process if the balance of the cyber bank account of the customer 10 is not more than the payment amount (step T15) and the customer 10. If the balance of the cyber bank account is equal to or greater than the payment amount, the funds of the cyber bank account of the customer 10 are transferred to the cyber bank account of the merchant 20 to perform the payment and settlement process (step T16). Are completed (step T17).

Meanwhile, the exchange process will be described. First, when the customer 10 requests exchange of money from the electronic cash settlement system 30 in order to request to deposit the funds of the cyber bank account into the real account (step S31), the electronic cash settlement system 30 transfers the entire currency exchange to the bank. In step S32, the bank 40 deposits the funds in the cyber account of the customer 10 into the real account (step S33).

In addition, the transfer process is described. First, when the customer 10 requests a transfer to the electronic cash settlement system 30 to transfer the funds in his cyber account to another cyber account (step S41), the electronic cash settlement system 30 sends the customer 10 ), The funds in the cyber bankbook are checked, transferred to another designated cyber bank account, and the deposit is processed (step S42).

This data processing in the previous process is performed as shown in FIG. That is, when the electronic cash payment system 30 receives information from the customer 10 including the customer's cyber passbook number and password, the cyber passbook number to be transferred, and the transfer amount from the customer 10 (step T21), Check if the customer's cyber bank account balance is greater than the transfer amount (step T22), and if the customer's cyber bank account balance is not greater than the transfer amount, error processing is performed to inform the customer 10 that the balance is insufficient (step T23). ), If the balance of the customer's cyber bank account is greater than the transfer amount, withdraw the transfer amount from the customer's cyber account and transfer it to the cyber account to be transferred (step T24), thereby completing the transfer of funds of the customer 10 ( Step T25).

Meanwhile, the electronic cash settlement system 30 includes an engine for processing registration, currency exchange, payment, charging, and transfer related to the cyber bankbook, and a cyber account DB for storing and managing data related to the cyber bankbook. As shown in FIG. 6, each information generated for the cyber account is input again as a result of the processing as an event of the cyber account DB. In addition, the cyber account DB of the electronic cash payment system 30 and the real account DB of the bank 40 are always synchronized with each other to process data as shown in FIG. 7.

In addition, when processing payment for the customer 10, the electronic cash payment system 30 charges a predetermined fee only to the merchant 20, and does not charge a separate fee to the customer 10.

According to the present invention as described above, it is possible to transfer the account using the cyber bank account associated with the real account of the bank and also to enable the refund of the balance. In addition, the merchant pays a predetermined fee according to the cash payment only to the merchant at the time of payment of the customer, and does not impose a separate fee to the customer, thereby removing the economic burden of the customer according to the payment. In addition, from the merchant's point of view, the payment settlement process to the merchant on the Internet can be completed at the time of the customer's payment, so there is no need for a separate process for collecting and collecting money from a financial institution. This has the effect of reducing the human cost of the merchant.

Claims (8)

An electronic cash payment system that communicates with a customer's PC via the Internet and is connected to a server of an e-commerce merchant, and a bank that exchanges information with a predetermined protocol by connecting to the electronic payment system through a dedicated line. Have a server, The electronic cash payment system and the cyber account DB for managing the customer's cyber account; And an engine for processing the cyber bankbook registration for the customer, the exchange of funds in the cyber bankbook, the payment of the cyber bankbook, the replenishment of the cyber bankbook, and the transfer of the bankbook's funds; The bank server comprises a real account DB for managing a real account associated with a cyber bank account cash payment system in electronic commerce. The method of claim 1, And the cyber account DB and the real account DB process data in synchronization with each other. A cash payment method in an electronic commerce, comprising: a registration process for establishing a cyber bank account for a customer, a charging process for recharging the cyber bank account from a bank real account of the customer, and payment of a product purchase price from the cyber bank account Cash payment in electronic commerce, characterized in that it comprises a payment process, a currency exchange process for depositing the funds of the cyber bank account into a customer's bank account, and a transfer process for transferring the funds of the cyber bank account to another cyber account. Way. The method of claim 3, wherein the registration process, If a merchant is requested to join a member, requesting the personal information from the customer, receiving the personal information of the customer, assigning the member number to the customer, and transmitting the member number to the electronic cash settlement system; Requesting, by the electronic cash payment system, member information from a merchant, receiving member information on a customer from the merchant, and transmitting the member information to a bank; Wherein the bank opens a cyber account for the customer to the electronic cash settlement system and assigns a cyber passbook number to open the cyber bankbook of the customer in the electronic cash settlement system. Cash payment method in The method of claim 3, wherein the charging process, Requesting a bank from said customer to transfer funds from a real account to a cyber bankbook; The bank transfers the funds of the real account of the customer to the cyber bank account of the electronic cash payment system to charge the cyber bank account, characterized in that the cash payment method in electronic commerce. The method of claim 3, wherein the payment process, Requesting payment to the customer when the merchant is requested to purchase a product from the customer, receiving the electronic cash payment from the customer, and transmitting the full payment request to the electronic cash payment system; The electronic cash payment system comprises the step of depositing the funds in the cyber account of the customer to the merchant's cyber account, sending the funds to the merchant for payment processing and confirming the balance of the cyber account to the customer. Cash settlement method in commerce. The method of claim 3, wherein the exchange process, If the electronic cash settlement system is requested by the customer to deposit the funds of the cyber bankbook into the real account, sending the full currency exchange to the bank; And depositing, by the bank, the funds in the cyber account of the customer into a real account. According to claim 3, The transfer process, Receiving an electronic cash payment system from the customer to transfer funds in the cyber account to another cyber account; And the electronic cash settlement system checks the funds in the cyber bank account of the customer and transfers them to another designated cyber bank account to process the deposit.