KR20010087260A - An automatic exchange calculation electronic commerce service system and a service method thereof - Google Patents

Abstract

PURPOSE: A system and method for automatically adjusting exchange rate is provided to calculate the exchange rate of a purchasing moment, when a user performs the electronic commerce through a network, so that the user can purchase a service and an article with a definite price. CONSTITUTION: The system for automatically adjusting exchange rate is comprised of a router(600), a web server(700), an authentication server(800), a settlement server(900), a database server(1000), and a billing server(1100). The router(600) sets up the optimum path to provide requested information when a user computer(100), a domestic/overseas affiliated server(200), a domestic/overseas card company server(300) or a domestic/overseas bank server(400) requests desired information through the Internet. The web server(700) detects a user's request content through a webpage on the web and displays a relevant webpage on the web browser of the user computer(100). The authentication server(800) processes authentication for users. The settlement server(900) settles a purchasing price for a commodity in case that a user purchases the article through electronic commerce. The database server(1000) stores information for clients and payment information dependent on commercial transactions. The billing server(1100) processes all sorts of billing data generated due to price settlement for clients' commercial transactions.

Description

Exchange rate automatic settlement commerce service system and service method {AN AUTOMATIC EXCHANGE CALCULATION ELECTRONIC COMMERCE SERVICE SYSTEM AND A SERVICE METHOD THEREOF}

The present invention relates to an automatic currency exchange rate commerce service system and service method, in particular, when performing overseas electronic commerce on the network, the automatic exchange of the exchange rate at the time of purchase using an electronic wallet that can accumulate and pay the cyber electronic amount It relates to a service system and a service method to enable payment.

As the Internet, which was used at a certain level, has spread to the public, the concept of commercial behavior related to the purchase of goods has changed. In general, an electronic commercial transaction (EC) is a shopping and purchase price of goods in an internet shopping mall site, which is a virtual space through a network such as the Internet, without a buyer going to a store that sells products directly. One form of commerce is possible. The e-commerce is not limited to the operating hours of the seller, and can reduce the time required for the buyer to move directly to the store and the cost of the movement, and thus it is becoming a main form of commerce for the general public.

In general, international payment methods are mainly credit card and overseas account remittance. In other words, when a domestic consumer purchases goods and services from a foreign store on the Internet, payment is mainly made by a credit card payment or an overseas account transfer. For example, if a consumer selects a credit card payment and records the credit card number and the expiration date on the Internet payment settlement web page, the overseas retailer presents the customer's card number information to the credit card company to adjust the sales amount. Payment is made by billing. Alternatively, the payment is made by directly remitting the account from overseas to the account number of the overseas retailer.

However, among these conventional payment methods, the payment method using a credit card frequently causes damage due to the exposure of credit card information of the user, and after the damage occurs, the user may respond appropriately due to the limitation of language and region. There is no problem. In addition, there is a problem that the payment settlement method for overseas account remittance is limited to a product or service having a high unit price.

In particular, there is a problem in that the price at the time of purchase and the price at the time of billing are very different due to the fluctuation of the exchange rate in the international commerce that the change rate is applied.

The technical problem to be solved by the present invention to solve the above problems is that when the user performs e-commerce through the network, the user can apply the exchange rate at the time of purchase to enable the user to purchase a service or product with a clear price Its purpose is to.

In addition, there is another purpose to enable the domestic headquarters to automatically settle the settlement of payments from overseas branches.

In addition, another object is to enable the user to automatically display the language provided by the e-commerce site that is physically accessed through the network in multiple languages.

1 is a block diagram illustrating an automatic exchange rate settlement commerce service system according to an embodiment of the present invention.

FIG. 2 is a diagram illustrating a homepage that provides an exchange rate automatic settlement commerce service through the web server of FIG. 1.

3 is a view showing in detail the electronic wallet of FIG.

4 is a flowchart illustrating a method for automatically setting a currency exchange rate commerce service according to an exemplary embodiment of the present invention.

Exchange rate automatic settlement commerce service system according to one feature of the present invention for achieving the above object,

A plurality of affiliate systems each having a database storing e-commerce product information including member information, at least one credit card company system, and at least one bank system, the authentication according to the access request through the network of the user terminal As a commerce service system to enable the user to perform an electronic commerce by processing the payment process for goods purchased through the electronic commerce,

An information storage unit for storing information about the user and payment information according to commercial activity and exchange rate information automatically calculated;

A payment processing unit which is physically connected to the information storage unit and automatically settles and pays the purchase price for the service or product according to the user's purchase of the service or product in the electronic commerce; And

Cyber document display unit for detecting the information request of the customer through the cyber document in the cyber space, and displays the cyber document on the customer terminal

It includes.

Exchange rate automatic settlement commerce service method according to another aspect of the present invention,

A plurality of affiliate systems each having a database storing e-commerce product information including member information, at least one credit card company system, and at least one bank system, the authentication according to the access request through the network of the user terminal In the commerce service method using a commerce service system for processing the payment for the goods purchased through the electronic commerce by allowing the user to perform an electronic commerce,

A first step of displaying the accumulated electronic money stored in the information storage device on the user terminal after the authentication process of the user;

A second step of automatically calculating the accumulated electronic value at an exchange rate of a desired country of the user;

In the e-commerce, a third step of allowing the user to perform a commercial transaction using an electronically settled amount of money

It is made, including.

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

1 is a block diagram illustrating an automatic exchange rate settlement commerce service system according to an embodiment of the present invention.

As shown in FIG. 1, the automatic exchange rate transaction service system according to an embodiment of the present invention includes one or more domestic and overseas user computers 100 and one or more domestic and overseas affiliated server servers that sell products through electronic commerce. 200, one or more domestic and overseas card company server 300, and one or more domestic and overseas bank server 300 is physically connected to the Internet 500 to request the desired information, the optimal path for the provision of the request information A router 600 for setting a; A web server 700 which detects a request of a user through a web page on the web and displays the web page on a web browser of the user computer 100; An authentication server 800 for processing authentication for a user; A payment server 900 that pays a purchase price for a corresponding product according to a user purchasing a product in an e-commerce transaction; A database server 1000 for storing information about customers and payment information according to commercial activities; It includes a billing server 1100 that processes all billings that occur due to payment for the customer's commercial activities.

The user computer 100 may be connected to the Internet through an Internet Service Provider (ISP) or a LAN, or may be connected to the Internet using a mobile Internet connection technology, and the present invention is limited thereto. It doesn't happen. In addition, each module of the payment server 900 may be implemented as a device that performs each independent function, the present invention is not limited thereto.

The payment server 900 may include a database management module (or DBMS (DataBase Management System) 910) for calling information stored in the database server 1000 or storing information about a user's selection; Payment module 920 for paying for services or products purchased from an overseas commerce site; Order processing module 930 for processing a service or product order of a user; Electronic money amount transferred by a user through a domestic or overseas card company Exchange rate automatic settlement module (940) for converting and processing the exchange rate of the corresponding country so that it can be used in overseas e-commerce; and automatically performs the foreign currency payment processing for each branch for the payment made in the overseas branch system (B). Branch office automatic settlement module 950 is included.

It includes a multi-language translation support module 950 for displaying the web page provided by the foreign merchant server 200 physically connected to the user in the language of the user country.

The payment server 900 may further include an electronic wallet support module that is implemented on the web to allow a user to check payment, transfer and transaction history of a purchase product.

The database server 1000 may include a user database 1010 that stores ID and password information of a customer registered as a member and detailed information of the customer; A billing database 1020 that stores information of increase or decrease of the purchase price of the product paid by the user using the electronic wallet; In an electronic commerce carried out on the web, the exchange rate settlement database 1030 that stores payment information information paid by the user according to the exchange rate conversion is included.

Each database of the database server 1000 may be implemented as a single integrated database, and may be an information storage device for storing respective information, but the present invention is not limited thereto.

FIG. 2 is a diagram illustrating a homepage that provides an exchange rate automatic settlement commerce service through the web server of FIG. 1.

As shown in FIG. 2, the payment settlement homepage includes an electronic wallet 711 that a user can use when purchasing a product on the web, and a web page showing various types of information service contents.

3 is a view showing in detail the electronic wallet of FIG.

As shown in FIG. 3, the electronic wallet 711 may include a home page moving area 711-1 that may move to a home page for service of payment; A shopping information corner area 711-2 showing shopping information related to an e-commerce transaction; A billing information area 711-3 showing billing information according to a customer's purchase of a product; A user login area 711-4 which receives a user ID and a password and moves to a web page for authenticating the user; An electronic money input area 711-5 for moving to a web page for allowing electronic money to be accumulated through credit card payment or bank transfer; An inter-member transfer service area 711-6 for moving to a web page for allowing one customer to transfer the electronic money to another customer; A usage history inquiry area 711-7 for moving the customer to a web page showing usage information using the electronic money so far; A foreign exchange change area (711-8) for converting an electronic amount accumulated in the current won into a desired foreign currency and moving it to a web page that can be converted to be used in an overseas electronic commerce; An amount display area 711-9 for displaying the electronic amount stored in the electronic wallet of the customer as a number; And a connection state display area 711-10 for displaying the connection state of the customer.

Hereinafter, an operation of a payment settlement system using an electronic wallet according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

4 is a flowchart illustrating a method for automatically setting a currency exchange rate commerce service according to an exemplary embodiment of the present invention.

First, the above-mentioned automatic exchange rate settlement system included in the domestic headquarters system (A) is applied to the overseas branch system (B) and used.

As shown in FIG. 4, when a web browser (not shown) embedded in the domestic or overseas user computer 100 is executed, the user computer 100 is physically connected to the Internet 500 (S100). In the web page displayed on the web browser, a user inputs a Uniform Resource Locator (URL) to the web server 700 of the payment settlement system on the web browser, and the user computer 100 enters the web server 700. Make a physical connection to The web server 700 displays the payment settlement service homepage as shown in FIG. 2 on the web browser of the user computer 100 according to the connection of the user computer 100.

If the user wants to call the user electronic wallet for the electronic transaction, click the user login selection area 711-4 of FIG. At this time, the user login web page is displayed on the web browser, and allows the user to enter a user ID and password. User ID and password information input by the user is transmitted to the authentication server 800, the authentication server 800 is compared with the user information already stored in the user database 1010 of the database server 1000 and registered as a member It is determined whether the user (S110). If the user is not registered as a member, a predetermined subscription application web page is displayed on a web browser to induce membership (S120).

If the user is a member registered as a member, the authentication server 800 processes the authentication for the user (S130), the database management module 910 of the payment server 900 is the balance of the user stored in the user database 1010 The amount information is retrieved and combined with the authentication process result information (S140). The result of the processing is transmitted to the web server 700, and the web server 700 transmits to the web browser of the user computer 100 so that the user can confirm that the authentication process is completed.

The user may click the electronic money input selection area 711-5 of FIG. 3 to accumulate money in the user's electronic wallet through card payment, online account transfer, or PC banking. In addition, when the user clicks on the inter-member transfer service selection area 711-6 of FIG. 3, a web page is displayed so that the user can present an electronic money amount to another user who is familiar with him. When the user clicks on the usage history inquiry area 711-7, the web server 700 displays a web page showing a history of electronic transactions on the web so far. When a user physically connects to another commerce site on the web and conducts an electronic transaction, when the user clicks the electronic wallet logo (circled in FIG. 9) displayed on the web page, the electronic wallet is displayed and the user purchases the product. Electronic payment is possible.

When the user wants to use the transferred electronic money for an overseas e-commerce, the user enters the UAL of the overseas merchant on a web browser, and is physically connected to the overseas merchant server 200.

For example, suppose that a user living abroad is physically connected to a merchant in the US where the current exchange rate is $ 1 = $ 1000. When the user clicks on the oil exchange settlement area 711-8 of FIG. 3, the automatic exchange rate settlement module 940 converts the electronic money stored and transferred to the user's electronic wallet from $ to $ to convert the web server 700. To the amount display area 711-9. The exchange rate is based on the currency of the country to which the user transfers. For example, if the electronic money currently transferred to the user's electronic wallet is $ 10,000, the automatic exchange rate settlement module 940 automatically setstles it at $ 10 and displays it in the amount display area 711-9.

The user checks the balance electronic amount displayed on the user's electronic wallet (S160), and then performs the electronic commerce on the connected site (S170). The user purchases a desired product among the products displayed on the web page provided by the overseas affiliate server 200. The overseas merchant server 200 performs a purchase process for a product selected by the user, and requests the payment module 920 of the payment settlement processing server 900 of the overseas branch system B for payment processing according to the purchase process. do. The payment module 920 receives the request of the overseas merchant server 200, processes the payment for the product for the user (S180), and stores the processed result in the payment database 1020 and stores the corresponding customer. The result of deducting the electronic money is displayed in the amount display area 711-9 on the web browser. For example, if a purchase is made with a payment amount of $ 3.00, $ 7.00, which is automatically completed and deducted from the amount display area 711-9, is displayed. The exchange rate at the time of change is the real time variable exchange rate, but the amount of the base exchange itself is not affected by the exchange rate change. The user receives the result of the order processing on the web browser (S190).

Overseas branch system (B) delivers the information on the price of goods processed in the overseas card company server 300 or overseas bank server 400 to the automatic payment module 960 for each branch of the domestic headquarters system (A), the domestic headquarters system ( The branch automatic settlement module 960 of A) receives the received product price information and converts the exchange rate to the corresponding country to perform the automatic settlement of the actual product price. The automatically settled payment information is transmitted to the overseas branch system (B), and the overseas branch system (B) performs the payment processing of the corresponding user.

The embodiment of the present invention is only one embodiment, and many modifications may be made to the configuration of the web page and the configuration of the exchange rate settlement service system without departing from the gist of the present invention.

As described above, when the user performs e-commerce through the network, the user can purchase a service or a product for which a clear price is given by applying the exchange rate at the time of purchase when the user performs e-commerce through the network. It is possible to feel free to select the standard currency, and when purchasing the e-commerce service or product, the purchase point and the billing point are applied in the same way, thereby releasing anxiety due to the exchange rate fluctuation. In addition, in the domestic and overseas merchants so that you can safely enjoy electronic shopping with only the user's ID.

In addition, the settlement of payments from overseas branches is automatically settled in the domestic headquarters system and transferred to the overseas branches, so that payments for goods purchased by the user can be accurately and easily performed.

In addition, by automatically converting and displaying a language provided by an e-commerce site physically accessed through a network into multiple languages, the user can easily perform e-commerce in a language expressed in the native language.

Claims (9)

A plurality of affiliate systems each having a database storing e-commerce product information including member information, at least one credit card company system, and at least one bank system, the authentication according to the access request through the network of the user terminal In the commerce service system to process the payment for the goods purchased through the electronic commerce by allowing the user to perform the electronic commerce, An information storage unit for storing information about the user and payment information according to commercial activity and exchange rate information automatically calculated; A payment processing unit which is physically connected to the information storage unit and automatically settles and pays the purchase price for the service or product according to the user's purchase of the service or product in the electronic commerce; And Cyber document display unit for detecting the information request of the customer through the cyber document in the cyber space, and displays the cyber document on the customer terminal Exchange automatic settlement commerce service system comprising a. The method of claim 1, wherein the information storage unit A user database storing ID and password information of a user registered as a member and detailed information of the user; A billing database for storing increase or decrease information on the purchase price of the product paid by the user; Exchange rate settlement database for storing payment information information paid by the user in accordance with the automatically converted exchange rate in the e-commerce carried out in the cyber space Exchange automatic settlement commerce service system comprising a. The method of claim 1, wherein the payment processing unit A database management module for calling information stored in the information storage unit or storing information on selections in the cyber space of the user; Payment module for paying for the service or goods purchased by the user in the domestic or overseas commerce cyberspace; An order processing module for processing a service or product order of the user; An exchange rate automatic settlement module for converting and processing the electronic money transferred by the user through the domestic or overseas card company to an exchange rate of a corresponding country so that the electronic money can be used in an overseas e-commerce transaction; A multilingual translation support module for displaying the cyber document provided by the affiliated system physically accessed by the user in a language of a user country; And Automated settlement module for each branch, which automatically processes settlement of goods price delivered through overseas branches distributed to overseas branches and delivers them to the overseas branches Currency automatic payment service system comprising a. A plurality of affiliate systems each having a database storing e-commerce product information including member information, at least one credit card company system, and at least one bank system, the authentication according to the access request through the network of the user terminal In the commerce service method using a commerce service system for processing the payment for the goods purchased through the electronic commerce by allowing the user to perform an electronic commerce, A first step of displaying the accumulated electronic money stored in the information storage device on the user terminal after the authentication process of the user; A second step of automatically calculating the accumulated electronic value at an exchange rate of a desired country of the user; In the e-commerce, a third step of allowing the user to perform a commercial transaction using an electronically settled amount of money Exchange rate automatic settlement commerce service method comprising a. The method of claim 4, wherein the first step Converting the amount transferred from the credit card system or the bank system into an electronic amount; Accumulating and displaying the converted electronic amount in the balance electronic amount of the user; Exchange rate automatic settlement commerce service method comprising a. The method of claim 4, wherein the third step Displaying a list of e-commerce products provided by the affiliate system on the cyber space; Allowing the user to purchase the e-commerce product; If the customer purchases an e-commerce product, subtracting the payment amount of the product according to the purchase to display on the cyber document Exchange rate automatic settlement commerce service method comprising a. The method of claim 4, wherein the first step And through the electronic wallet, enabling the electronic money transfer to one or more other customers associated with the customer. The method of claim 4, wherein the first step And displaying the cyber document provided by the affiliated system physically accessed by the user in the language of the user country. The method of claim 4, wherein the first step The product price information processed by a credit card company system or a banking system located abroad is transferred to the commerce service system located in Korea, and the commerce service system receives the received product price information and applies a currency rate corresponding to the corresponding country. After performing the automatic settlement of the automatic exchange rate payment service method comprising the step of transmitting the automatically settled payment information to a commerce service system located abroad.