KR20010049120A - System for paying electronic commercial transaction on internet - Google Patents

Abstract

PURPOSE: A system for paying an electronic commercial transaction on the internet is provided to use an account as the internet is connected to a bank communication network and reduce a loss although an account number or a secret number is leaked. CONSTITUTION: A cyber bank computer(2), a seller computer(3) and a buyer computer(4) are connected through the internet network. The cyber bank computer(2) and an existing bank computer(5) are connected through an existing computer communication network. A cyber advance payment bankbook for a buyer includes predetermined money being used for paying a cyber financial transaction. A cyber bankbook for a seller is provided for a seller to sell commodities on the internet. An existing bankbook for the buyer is provided for moving money in the cyber advance payment bankbook at need. An existing bankbook for the seller is provided for extracting money from the cyber bankbook for a seller. Account numbers of the cyber advance payment bankbook for a buyer and the existing bankbook for the buyer may be different. Also, two cyber bankbooks for a seller may be provided for respectively receiving and paying money.

Description

Electronic commerce payment system on the Internet. {.}

The present invention relates to a payment system that can be used in electronic commerce in cyberspace using the Internet.

In the conventional electronic commerce using the Internet, payment methods using the online bank transfer method and credit card payment method are mainly used. Such a bank account payment method is a direct bank after a user applies for the purchase of goods on the Internet. If you go to deposit the goods to the account number of the seller of goods or directly to the goods seller's account by PC banking or telebanking, the seller of the goods delivered the goods purchased by the user after confirming the deposit. This method has a disadvantage in that the buyer of the article memorizes the seller account of the article or writes it on paper and visits the bank directly, or pays through the online bank of the existing bank by the PC banking or telebanking method.

Another conventional payment method, the credit card payment method, when a buyer purchases an item on the Internet and pays with a credit card on the Internet, the fact remains as a record in the computer network of the credit card company connected to the Internet and uses the credit. The card company pays the seller for the goods purchased by the buyer, and later the credit card company bills the goods paid for the buyer. The credit card payment method is to purchase goods by credit for a certain period of time until the buyer actually pays the price of the goods billed by the credit card company. This is not done. Therefore, many Internet users who cannot obtain a credit card have an inconvenience in that they have to visit a bank in person and make an online remittance in order to purchase goods through the Internet.

In addition, the conventional credit card payment method on the Internet had a big security risks. If a credit card is lost or data is exposed to a computer hacker so that someone knows the purchaser's credit card number and password, a large amount of money can be used by a third party without the credit card holder.

There are many sites on the Internet that lack the ability to defend against hackers, so there are security vulnerabilities that may reveal your credit card number and password in some way. There is a disadvantage that the payment by credit card by entering the buyer's credit card number and password causes anxiety to the buyer. There was a disadvantage of reducing the seller's profit and increasing the purchase cost by paying a high interest rate fee.

Another conventional e-commerce payment method proposed to solve this problem was a prepaid card type payment method, in which a buyer pays a predetermined amount in advance and purchases a predetermined amount of prepaid card. This method is used for payment of electronic commerce.

In other words, after purchasing an item on an Internet site which treats the prepaid card as a payment means, and inputting the number of the prepaid card purchased, the computer of the prepaid card company connected to the Internet calculates the balance of the prepaid card account of the number The payment is made by increasing the amount of the goods to the seller's account, and thereafter, the prepaid card company pays the cash amount of the prepaid card in the seller's account to the seller. The advantage of the prepaid card payment method is that the purchaser does not purchase by credit, which means that the fees imposed on the seller and the buyer are very low. Even though there are advantages to not prepaid, DE payment scheme had the disadvantage that the buyer is expected to buy the goods in advance and visit the prepaid card reseller directly to their prepaid cards in advance hayeoseo available have to buy it. In addition, there was a disadvantage that the seller can use the prepaid card purchased only on the Internet site mutually agreed with the prepaid card company.

In addition, there are many kinds of prepaid cards in reality, and there are disadvantages in that the use of prepaid cards purchased is restricted because many Internet sites recognize only a few kinds as payment methods. In electronic commerce through the Internet, the conventional bank computer network is not directly connected to the Internet to make payments, because the prevention of damage by computer hackers is still incomplete.

The present invention is proposed to solve the drawbacks of the conventional Internet payment system (system), even when the account number or password is leaked, such as when the bank computer network is directly connected to the Internet with less damage as a prepaid card. To provide a convenient e-commerce payment system.

1 is a system configuration diagram of the present invention.

※ Explanation of code for main part in drawing

1.Internet Network 2.Cyberbank Computer

3.seller computer 4.buyer computer

5. Conventional bank computer

When explaining the configuration and operation of the present invention in detail as follows.

Example 1

[Configuration]

This embodiment consists of a system as shown in FIG.

That is, in FIG. 1, the cyber bank computer 2, the seller computer 3 and the buyer computer 4 are configured to be interconnected through the Internet network, and the cyber bank computer 2 and the conventional bank computer 5 are It is composed of the Internet prepaid bank account for buyers, which is configured to be interconnected using a conventional computer communication network, not the Internet network, and uses only a certain amount in the future and uses it for payment only in cyber financial transactions (e-commerce). It consists of a cyber passbook for sellers opened by sellers of goods on the market. In addition, the buyer's conventional bank account associated with the buyer's cyber prepaid bank account, which transfers a predetermined amount to the buyer's cyber prepaid bank account when necessary, is also included. For the seller who can withdraw cash from the cyber bank account for the buyer The conventional bankbook for sellers linked with the cyber bankbook is also configured.

In addition, the account number of the buyer cyber prepaid bank account and the account number of the buyer's conventional bank account associated with it may be configured to be different. In addition, for security purposes, two cyber bankbooks for sellers may be configured, one for depositing product sales and the other for banking for refunds. Each can also be configured in association with each other.

In the configuration of the present embodiment, in order to enhance security, the cyber prepaid accounts for buyers may be configured so as not to transfer any amount. In addition, as a cyber prepaid account for buyers, only the inflow from the buyer's conventional bank account linked to the cyber prepaid bankbook and the refund money flowing from the seller in the case of a refund are possible, and the cyber prepaid bank account for other buyers The deposit is also configured to refuse.

In addition, the cyber prepaid bank account of the present embodiment pays for the payment by entering a number such as a password or an account number when the purchaser makes an electronic commerce payment on the Internet or by inputting his or her fingerprint when a fingerprint recognition device is used. Is performed through the computer 2 of the cyber bank.

In addition, the cyber prepaid bank account for the buyer and the conventional bank account for the buyer associated with the present embodiment are configured as one bank account, and the cyber prepaid bank account number and the buyer's bank account for the bank account linked thereto are combined together in one bank account. In this case, the cyber bank account (2) registers the account of the buyer's cyber prepaid account and the account of the conventional bank account linked to the buyer's cyber prepaid account is registered on the cyber bank computer (2). Is configured to be registered.

The replenishment of the deposit according to the use of the cyber prepaid account for the buyer is configured to be replenished by a predetermined amount from the conventional bank account associated with the cyber prepaid account of the buyer at the buyer's request.

If necessary, the deposit limit of the cyber prepaid account for the buyer may be configured differentially according to the buyer's condition, i.e., the limit of the deposit amount may be limited by dividing it into youth use and adult use.

In the present embodiment, it is possible to transfer mutual amounts of money between the cyber bank account and the account of the conventional bank linked thereto as described above. Money can only be transferred to a bank account and not to any bank account, and the seller's refund cyber account is configured to transfer money to the buyer's cyber prepaid account only when a refund occurs. If the transfer of the refund exceeds the deposit limit of the buyer's cyber prepaid bank account, it may be left in excess or it may be configured to be automatically transferred to the associated bank account.

In addition, it can be configured to pay interest on the amount deposited in the cyber bank account, and can also be configured to receive profit from a seller or buyer by receiving a certain percentage of the transaction amount from the seller or the buyer.

In addition, the money deposited in the buyer's cyber prepaid bank account can be configured to move with the buyer's ID or account number attached so that it can be found again in case of a hacker's leak.

In addition, the cyber bank passbook of the present invention can be configured not only to deposit but also to store digital vouchers purchased on the Internet. In the case of digital money vouchers, unlike cyber money, a cyber prepaid bank account (account) for buyers can be stored on the Internet. It is possible to move for mutual transfer. Of course, the digital gift certificate can only be used to purchase goods on the Internet site that handles it, and the balance remaining after the use of the digital gift certificate on the Internet can be obtained from the Internet site of the seller of goods, which is the place where the product is received and sold. Money, and remain in the buyer's cyber prepaid bank account (account), i.e., the buyer's bank prepaid bank account is configured to transfer the balance of the digital gift certificate from the seller's refund cyber bank account.

In the case of a refund request after the purchase of the goods, the refund money is deposited from the cyber bank account (account) of the seller to the cyber prepaid bank account (account) of the buyer in the same manner as the refund of the gift certificate balance.

The person who receives the digital gift certificate and sells the product on the Internet is configured to recover the price of the product later by reselling the digital gift certificate to the digital gift certificate issuer.

In addition, the present invention is also configured to enable the payment of the gratuities for excellent customers paid by the seller to the buyer. In other words, the reward is transferred from the cyber bank account (account) for the refund of the seller or the bank account for the free payment (account) opened separately to the prepaid bank account of the customer (buyer).

[Action]

Referring to the operation of the embodiment of the present invention configured as described above are as follows.

Buyer visits a conventional bank in person or visits a cyber bank site on the Internet to present buyer information (password, ID, resident registration number, date of birth, name, etc.) and the buyer's cyber prepaid bank account and its associated bank account. Open the Here, if a buyer opens a cyber bank account (account) on the Internet, the bank account associated with it for security will be opened later by visiting the conventional bank. Then, when the money is deposited in the conventional bank account (account) linked to the cyber prepaid bank account, only the amount of the contracted limit is transferred in advance to the cyber prepaid bank account of the cyber bank.

The buyer then visits the seller's Internet site where he opened a cyber bank account for the cyber bank, selects the product, clicks the payment button and enters the password, of course, if the fingerprint device is installed as a security device, the fingerprint is presented. . Then, in the cyber bank computer 2, the amount corresponding to the price of the product is removed from the buyer's cyber prepaid account for the buyer and transferred to the cyber bank account for the payment of the seller who sold the product.

In other words, through the payment, the amount of the cyber prepaid bank account of the buyer decreases by the amount of payment, whereas the balance of the cyber bank account for the payment of the seller increases by the amount of payment.

If the buyer requests the refund after purchasing and paying for the goods, the goods will be canceled and the refund amount will be withdrawn from the seller's cyber passbook and deposited into the buyer's cyber prepaid account. The reason for dividing a into a deposit and a refund is to reinforce security, that is, a bank account for a large amount of money can be transferred to any cyber bank account (account) other than the seller's bank account. Instead of making a transfer, instead of allowing a refund or gratuity to be withdrawn from a refundable cyber bankbook that requires a small amount of money, the seller's cyber bankbook is intended to minimize damage from mischief by a third party, such as a hacker. If you do not need this security consideration There is of course that can configure the refund escape from cyber account for the payment of the deposit seller.

When a buyer repeats a purchase on the Internet and the balance of the buyer's cyber prepaid account decreases, the buyer connects to his or her cyber prepaid account in the same way as a personal bank visit or PC banking, phone banking, or, if secure, Internet banking. Instructs his bank account in advance to replenish the amount by transferring a certain amount back to his cyber prepaid bank account. Of course, this replenishment can be configured to automatically take place as the security of peripheral devices is strengthened. Even in this case, the number of times of automatic transfer for one day can be limited.

If the seller pays a prize or gratuity to a customer (buyer) by executing a prize event or a private bank company, the buyer's cyber bank prepaid because a certain amount of prize money or gratuity is withdrawn from the seller's refund bank account. It will be transferred to the bank account.

Even if a very good hacker invades and withdraws the deposit of the cyber prepaid bank account of the buyer in the cyber bank, the cyber bank prepaid bank accounts for the buyers of the present invention are configured to prevent mutual transfer. You won't be able to.

Even if the hacker withdraws money from the buyer's prepaid bank account by unknown means, the damage is reduced because it contains only a small amount of money. If the bank account is automatically debited, the bank account for the user's payment is not always available. Therefore, the bank account secured from hacker intrusion and linked to the buyer's and seller's cyber account is only accessible through the bank network. Hacker intrusion through the impossible will be impossible.

In addition, the cyber bank prepaid bank account for the buyer of the present invention is configured to enable the storage of digital gift certificates and withdrawal to another bank account on the Internet, so that the cyber bank for other buyers after purchasing the digital voucher with the cyber bank prepaid bank account of the present invention on the Internet. You can also use the bank prepaid bank account to give gifts.

If the present invention is also used in international transactions, when the money is transferred to the buyer's and the seller's cyber account (prepaid bank account and payment bank account and refund bank account), if the country display is different, it is configured to be transferred according to the corresponding exchange rate The present invention can also be used for international transactions over the Internet.

In addition, in the configuration of the present invention, not only the establishment of the seller's conventional bank account linked to the seller's payment bank account but also the seller's refund conventional bank account linked to the seller's refund cyber bank account is also configured to open together. Therefore, the price of the merchandise sales is transferred to the conventional bank account for the payment, and the money of the refundable cyber bank account is withdrawn from the associated conventional bank account for the refund, thereby reducing the amount of money withdrawn to the cyber space. It can be divided into a conventional bank account for refunds containing money, so that only a small amount of money will be lost in the event of damage caused by a possible hacker. Of course, mutual transfer is possible.

Effects of the present invention configured and acted as described above are as follows.

The present invention has the advantage that the information on the bank account of the conventional bank of the purchaser who has a large amount of money while having the effect of cash purchase rather than credit on the Internet is not exposed on the Internet.

In addition, unlike credit cards, it is very useful as a means of payment on the Internet because anyone can open a bank account.

In addition, there is a very useful advantage in the small payments that are reluctant to handle credit card companies.

In addition, unlike conventional prepaid cards, there is a convenience to easily replenish the deposit after use, and also has the advantage of providing more profits to the buyer than the conventional prepaid card by paying interest on deposits prepaid in advance. .

In addition, the cyber bank prepaid bank account of the present invention has the advantage of storing not only deposits but also digital gift certificates and various refunds and gratuities.

In addition, there is an advantage that the gift of the gift certificate on the Internet by transmitting a digital gift certificate purchased on the Internet to the buyer cyber bank prepaid bank account for the third party buyers of the present invention.

In addition, even if the hacker invasion succeeds, there is an advantage that the loss does not exceed a certain amount.

In addition, since all transactions remain in the cyber bank computer 2, there is an advantage that the withdrawal person can be tracked even if the money deposited in the buyer's cyber bank prepaid account is withdrawn by someone. In addition, even if a hacker with a buyer's cyber bank account tries to transfer another person's deposit to his / her account (account), the security is more secure because the buyer's cyber bank accounts are not transferred at all. .

Claims (2)

1. In the e-commerce payment system through the normal Internet, The cyber bank computer, the buyer computer and the seller computer are configured to be interconnected on the Internet, and the cyber bank computer is configured such that the computers of the conventional banks are connected to the conventional bank computer network, and the buyer cyber bank which deposits only a certain amount of money. A bank account for prepayment, a bank account for the seller's payment and a bank account for the seller's refund are established, and a bank account for the buyer's conventional bank and a bank account for the customer's payment are linked to the buyer's cyber bank prepaid account. The bank establishes a conventional bank account for the payment of the seller linked to the bank account and a conventional bank account for the refund linked to the cyber bank account for the refund of the seller, and the cyber bank prepaid bank accounts for the buyers are mutually transferred. Impossible to configure, and also the seller's In the case of a digital gift certificate purchased from money deposited in the cyber bank prepaid account of the buyer on the Internet, it is possible to transfer the deposit only when a refund or gratuity is generated from the cyber bank account to the buyer. It is also configured to be stored in the buyer's cyber bank prepaid bank account, or to be moved to another person's buyer's cyber bank prepaid bank account, and the remaining balance after purchasing goods with the digital gift certificate is the buyer in the refund cyber bank account of the seller Refunds are made by transferring to the prepaid bank account of Yong Cyber Bank, and at the time of opening the bank account, various personal information (ID, password, resident registration number, date of birth, etc.) of the founder is left on the cyber bank computer. Also, the cyber bank account for the payment of the seller In this case, the money is only flowed out to the conventional bank account for the payment of the seller and the inflow is not allowed, and if necessary, the deposit limit of the prepaid bank account for the buyer is configured to be differentiated according to the establisher's status. An electronic commerce payment system on the Internet, characterized in that the transfer of money and digital gift certificates according to all payments and refunds on the Internet is carried out in the computer of the cyber bank. The method according to claim 1, The cyber bank account (prepayment) and the bank account associated with the bank account are made into a single bank account, and the account number of the cyber bank account and the bank account of the conventional bank account are displayed on the bank book and the transaction details of each account are separately calculated. The electronic commerce payment system on the Internet, characterized in that the configuration to display only, but when the account inquiry through the Internet only the transaction details of the cyber bank account