KR20010094897A - Electronic-bill-pay portal server and electronic-bill-pay method thereof - Google Patents

Abstract

PURPOSE: A portal server and method for electronic payment are provided to perform the electronic payment having promptness and a general-purpose property. CONSTITUTION: An electronic commerce server database(32) stores an internet address, an account number of a transaction financial institution and a corresponding account number, the upper limit of a paying amount, and an exact calculation time with respect to at least one electronic commerce server. A financial payment server database(33) stores an internet address or a network address, the upper limit of a paying amount, and an exact calculation time with respect to a plurality of financial payment servers. A control module(30) demands a financial transaction requested from the electronic commerce server and receives a notifying a completion of a financial transaction from the financial payment server and notifies the completion to the electronic commerce server. A communication module(31) connects to a financial network or the internet and transmits/receives necessary data.

Description

Electronic payment portal server and electronic payment method {Electronic-bill-pay portal server and electronic-bill-pay method

The present invention relates to an electronic payment portal server and an electronic payment method, and more particularly, to an electronic payment system having an electronic payment portal server that can be connected to a financial payment server of a plurality of financial institutions, and an electronic payment method thereof. will be.

With the development of communication technology, electronic commerce (Commerce Commerce), where online commerce is carried out through a network, has attracted much attention recently. E-commerce is a broad term that encompasses all economic activities such as advertisements, orders, purchases of goods and services that companies or consumers perform on a computer communication network, but generally refers to services such as product search, delivery, and payment in Internet shopping malls. . In particular, electronic commerce through the Internet is emerging as a new business environment because it can be made regardless of time and place.

One of the most important problems in electronic commerce is the payment method for goods. In other words, in order for the electronic commerce to be settled and generalized, it is required to develop a more convenient product payment method.

Currently, the payment method for commodities used in electronic commerce is one of a method using a prepaid electronic money, a method of confirming and verifying the payment offline, such as a passbook payment, and a payment method using a credit card. In the case of payment by prepaid electronic money, the purchaser should purchase the electronic data equivalent to cash from the issuer in advance and purchase it on their PC or IC card before purchasing the product. In the case of unpaid deposits, it is a hassle for the buyer to visit the bank directly and deposit the purchase price through a teller or ATM terminal. Of course, it is possible to deposit purchases using online banking using the Internet or telephone network, but since such online banking is established for each financial institution, only internal transactions are supported. You need to connect to the network.

In the case of payment by credit card, the purchaser is required to have a credit card available for purchase. Therefore, a person who does not have a credit card commonly used in the e-commerce site has a problem in that it is impossible to purchase unless another payment method is allowed.

Accordingly, it is an object of the present invention to provide an electronic payment portal server and an electronic payment method thereof capable of performing electronic payment with speed and versatility.

Another object of the present invention is to provide an electronic payment portal server and an electronic payment method capable of performing online electronic payment collectively through a single connection without having to connect to an online network of a financial institution.

1 is a block diagram illustrating an internet electronic payment system to which an electronic payment portal server is applied according to an embodiment of the present invention;

2a and 2b is a reference diagram for explaining the connection of the financial settlement server,

3 is a block diagram of an electronic payment portal server according to a first embodiment of the present invention;

4 is a flowchart illustrating an electronic payment method according to a first embodiment of the present invention;

5 is a block diagram of an electronic payment portal server according to a second embodiment of the present invention;

6 is a flowchart of an electronic payment method according to a second embodiment of the present invention.

<Explanation of symbols for main parts of the drawings>

1: Electronic payment portal server 3: E-commerce server

5: Internet 6: Customer Terminal

7: Financial Network 10: Financial Payment Server

30: control module 31: communication module

32: E-Commerce Server Database 33: Financial Payment Server Database

34: customer database

According to the present invention, the object is a financial institution database for storing information about the financial settlement server of a plurality of financial institutions; A communication module for accessing the financial settlement server and at least one electronic commerce server; And receiving financial transaction information and customer information related to the requested financial transaction from the electronic commerce server and selecting the corresponding financial settlement server from the financial institution database based on the financial transaction information and the customer information. And a control module for transmitting the financial transaction information and the customer information to the selected financial settlement server and receiving notification of the completion of the financial transaction from the financial settlement server and delivering the financial transaction information to the electronic commerce server. Is achieved by an electronic payment portal server.

The method may further include an electronic commerce server database for storing information about the electronic commerce server, wherein the control module extracts corresponding electronic commerce server account information from the electronic commerce server database and transmits the information to the financial settlement server. desirable.

In addition, the financial transaction is a product payment of the customer of the e-commerce site operated by the e-commerce server on the Internet, the financial transaction information includes the name of the customer and the payment amount for the product payment, the customer information Includes a transaction financial institution and a payment account number, and the e-commerce server account information may effectively include an account number of the e-commerce server provided in the transaction institution.

The object is, according to the present invention, a financial settlement server database for storing information about the financial settlement server of a plurality of financial institutions; A customer information database storing customer information necessary for the financial settlement server to perform a financial transaction; A communication module for accessing the financial settlement server and at least one electronic commerce server; Receiving financial transaction information about the requested financial transaction from the electronic commerce server, extracting corresponding customer information from the customer information database based on the financial transaction information, and receiving the financial transaction information and the financial transaction information. Selecting the corresponding financial settlement server from the financial settlement server database based on the customer information, extracting the corresponding electronic commerce server account information from the electronic commerce server database, and extracting the financial transaction information, the customer information, and the selected financial settlement server; It is also achieved by the electronic payment portal server for transmitting the electronic commerce server account information, comprising a control module for receiving the completion of the financial transaction from the financial settlement server and delivers it to the electronic commerce server.

The method may further include an electronic commerce server database for storing information about the electronic commerce server, wherein the control module extracts corresponding electronic commerce server account information from the electronic commerce server database and transmits the information to the financial settlement server. desirable.

In addition, the financial transaction is a product payment of an e-commerce site customer operated by the e-commerce server on the Internet, the financial transaction information includes the name of the customer and the payment amount for the product payment, the customer information Includes a transaction financial institution and a payment account number, and the e-commerce server account information may effectively include an account number of the e-commerce server provided in the transaction institution.

On the other hand, the above object, according to another field of the invention, the step of receiving financial transaction information and customer information about the financial transaction requested from a predetermined e-commerce server; Selecting a corresponding financial settlement server based on the financial transaction information and the customer information; Delivering the financial transaction information and customer information to the selected financial settlement server; Receiving completion of the financial transaction from the financial settlement server; And it is also achieved by the electronic payment method comprising the step of notifying the completion of the financial transaction to the electronic commerce server.

Extracting the electronic commerce server account information corresponding to the financial settlement server; And forwarding the electronic commerce server account information to the selected financial settlement server.

In addition, the financial transaction is a product payment of an e-commerce site customer operated by the e-commerce server on the Internet, the financial transaction information includes the name of the customer and the payment amount for the product payment, the customer information It is effective to include trading financial institutions and payment account numbers.

The above object, according to the present invention, the step of receiving financial transaction information about the financial transaction requested from a predetermined e-commerce server; Extracting corresponding customer information based on the financial transaction information; Selecting a corresponding financial settlement server based on the financial transaction information and the customer information; Delivering the financial transaction information and customer information to the selected financial settlement server; Receiving completion of the financial transaction from the financial settlement server; And it is also achieved by the electronic payment method comprising the step of notifying the completion of the financial transaction to the electronic commerce server.

Extracting the electronic commerce server account information corresponding to the financial settlement server; And transferring the electronic commerce server account information to the selected financial settlement server, wherein the financial transaction is a product payment of an e-commerce site customer operated by the electronic commerce server on the Internet. The transaction information includes the name of the customer and the payment amount for the payment of the product, and the customer information may effectively include a transaction financial institution and a payment account number.

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

1 is a block diagram illustrating an internet electronic payment system to which an electronic payment portal server 1 according to a first embodiment of the present invention is applied.

Referring to FIG. 1, the Internet electronic payment system includes at least one customer terminal 6 connected to the Internet 5 to access the electronic commerce server 3, and a customer terminal 6 connected to the Internet 5. At least one e-commerce server (3) and an e-commerce server equipped with an e-commerce application for requesting payment of goods to the e-payment portal server (1) when the product information is displayed and a purchase order is received from the customer. (3) the electronic payment portal server (1) equipped with an application program for transmitting and receiving the information required to perform the requested product payment by connecting to the financial settlement server 10 when the product payment is requested from, and electronic payment Receiving the necessary information from the portal server 1 includes a financial settlement server 10 mounted with an application program for performing the required financial transactions. Here, the Internet 5 may be replaced with other network networks, for example, LAN, WAN, Public Switched Telephone Network (PSTN), Public Switched Data Network (PSDN), cable TV network, and wireless communication network.

The financial settlement server 10 is provided to each financial institution such as a bank to process financial transactions such as deposits, withdrawals, and account transfers online, and all financial transactions made at the financial institution through a network provided by the financial institution. To manage the transaction is equipped with a financial transaction application (11), an electronic payment portal account that is an account of the electronic payment portal server (1) with the operator of the electronic payment portal server (1), and the electronic commerce server (3) Transaction information about an e-commerce account, which is an account of the e-commerce server 3 with an operator of a customer.

For example, as shown in FIG. 2A, the financial settlement server 10 may be configured to selectively restrict access by using a separate communication protocol from the Internet 5 or employing an authentication system. ), Or as shown in FIG. 2B, configured to be accessible via the Internet 5. Even when configured to be accessible to a plurality of financial settlement servers 10 through the Internet 5, the leakage of information can be effectively blocked by applying an appropriate security technology in data transmission and reception. However, since the communication protocol, authentication system, and security technology are outside the scope of the present invention, a detailed description thereof will be omitted.

3 is a block diagram of an electronic payment portal server according to a first embodiment of the present invention.

As shown, the electronic payment portal server (1), the information about the at least one electronic commerce server (3), the Internet address, electronic commerce server account information as the financial institution and the corresponding account number, the upper limit of payment amount, settlement The electronic commerce server database 32 for storing reference information on electronic payment transactions, and the plurality of financial payment servers 10, such as an Internet address or a network address, an upper limit of payment amount, and a settlement time A financial settlement server database 33 for storing reference information about a settlement transaction, and a predetermined financial settlement server 10 requesting a financial transaction requested from the e-commerce server 3 and financed from the financial settlement server 10. Control module 30 for notifying completion of transaction and notifying to electronic commerce server 3, and communication module for connecting to financial network 7 or Internet 5 for transmitting and receiving necessary data. It includes 31.

Electronic payment method according to the above configuration is as follows.

4 is a flowchart illustrating an electronic payment method according to a first embodiment of the present invention.

A customer who wants to purchase a product on the Internet e-commerce site operated by the e-commerce server 3 accesses the e-commerce server 3 through the Internet 5 using the customer terminal 6. When the customer terminal 6 displays the homepage of the e-commerce site operated by the e-commerce server 3, the customer searches for the e-commerce site using the customer terminal 6. When the customer decides the product to purchase and selects the payment by the electronic payment portal server 1 as the payment method of the determined product price, the electronic commerce server 3 is connected to the electronic payment portal server 1 through the Internet 5. Request payment for the goods. At this time, the e-commerce server 3 opens the name and the amount of the customer to make the payment for the product as financial transaction information necessary for the payment of the commodity to the transaction financial institution with which the customer deals as the customer information and the transaction financial institution. The payment account number is transmitted to the electronic payment portal server (1) and received through the communication module 31 is transmitted to the control module 30 (step 401).

The e-commerce server 1 allows a customer to enter a transaction financial institution and a payment account number to perform a product payment every time a payment is made, or operates a member registration system to operate a transaction financial institution, a payment account number, etc. The marketing information about may be grasped in advance, and a customer database storing the information may be provided. If the e-commerce server 3 has the customer database, when a registered member customer wants to purchase a product on the e-commerce site, he / she shall enter the transaction financial institution and account number, except to change the stored information. There is no need to enter again.

The control module 30 of the electronic payment portal server 1, which has received a request for payment of goods from the electronic commerce server 3 through the communication module 31, transmits to the transaction financial institution information, which is customer information provided from the electronic commerce server 3; Selecting the financial settlement server 10 to be accessed from the financial settlement server database 33 on the basis of the selected financial information (step 402), and selecting the selected finance as the corresponding electronic commerce server account information from the reference information stored in the electronic commerce server database 32; The account number corresponding to the payment server 10 is extracted (step 403). Of course, the e-commerce server account information may be transmitted from the e-commerce server 3, in which case the control module 30 need to go through the step of extracting the e-commerce server account information from the e-commerce server database 32 There will be no. In addition, by adopting a method of transmitting only the information that allows the financial settlement server 10 to extract the account number of the electronic commerce server 3 as the electronic commerce server account information to the financial settlement server 10 to improve security. Can be.

Next, the electronic payment portal server 1 accesses the selected financial settlement server 10 through the communication module 31 and transfers the extracted e-commerce server account number, customer name, payment account number and payment amount ( Step 403).

The financial settlement server 10 receiving the payment request from the communication module 31 of the e-commerce server 3 transfers the requested payment amount from the customer's payment account to the e-commerce server account based on the received information. Thereafter, the payment amount is transferred to the electronic payment portal server 1 that the transfer from the customer's payment account to the electronic commerce account is completed, and the communication module 31 of the electronic payment portal server 1 receives from the financial settlement server 10. Receiving the completion of the payment is provided to the control module 30 (step 405).

The control module 30 of the electronic payment portal server 1 notifies the electronic commerce server 3 via the Internet 5 that the product payment has been completed (step 406).

The electronic commerce server 3 notified of the completion of the commodity price can take the follow-up procedure of delivering the goods to the customer through the online or offline distribution system or other sales network.

Hereinafter, a second embodiment of the present invention will be described. However, except for the following descriptions, the same reference numerals are used in the same manner as the first embodiment, and repeated descriptions thereof will be omitted.

5 is a block diagram of an electronic payment portal server according to a second embodiment of the present invention.

As shown, the electronic payment portal server 1 further includes a customer database 34 in addition to the electronic payment portal server of FIG. The customer database 34 stores customer information that must be provided to the financial settlement server 3 in order to perform the payment required by the electronic commerce server 3 such as a customer name, a transaction financial institution, and a payment account number. Customer information may be collected online through an electronic payment portal site operated by the electronic payment portal server 1 on the Internet 5 or offline through visit surveys, telephone surveys, and postal systems. Will be updated.

Referring to the electronic payment method according to the configuration as described above are as follows.

6 is a flowchart illustrating an electronic payment method according to a second embodiment of the present invention.

The electronic commerce server 3 requests the product payment to the electronic payment portal server 1 through the Internet (5). At this time, unlike the first embodiment described above, the electronic commerce server 3 does not need to transmit the transaction financial institution with which the customer deals as a customer information and the payment account number established at the transaction financial institution without commodity payment. As necessary financial transaction information, only the customer name and payment amount to be paid for the product are transmitted to the electronic payment portal server 1 and received through the communication module 31 and transmitted to the control module 30 (step 501).

The control module 30 of the electronic payment portal server 1, which has received a request for payment of goods from the electronic commerce server 3, receives the customer of the customer from the customer database 34 based on the customer name provided from the electronic commerce server 3; While extracting the transaction financial institution information and the payment account number which are the information (step 502), the corresponding electronic commerce server account information is extracted from the reference information stored in the electronic commerce server database 32 (step 503). Of course, the e-commerce server account information may be transmitted from the e-commerce server 3, in which case the control module 30 need to go through the step of extracting the e-commerce server account information from the e-commerce server database 32 There will be no. In addition, by adopting a method of transmitting only the information that allows the financial settlement server 10 to extract the account number of the electronic commerce server 3 as the electronic commerce server account information to the financial settlement server 10 to improve security. Can be.

In addition, the control module 30 selects the financial settlement server 10 to be accessed from the financial settlement server database 33 based on the extracted customer information (step 504).

Next, the electronic payment portal server 1 accesses the selected financial settlement server 10 through the communication module 31 and transfers the extracted e-commerce server account information, customer name, payment account number and payment amount ( Step 505).

The financial settlement server 10 that receives the payment request from the communication module 31 of the electronic payment portal server 1 transfers the requested payment amount from the payment account of the customer to the electronic commerce server account based on the received information. Thereafter, the payment amount is transferred to the electronic payment portal server 1 that the payment is completed from the customer's payment account to the electronic commerce account, and the communication module 31 of the electronic payment portal server 1 charges from the financial payment server 10. The payment is received and provided to the control module 30 (step 506).

The control module 30 of the electronic payment portal server 1 notifies the electronic commerce server 3 via the Internet 5 that the product payment has been completed (step 507).

In the above-described first and second embodiments, the commodity price is configured to be transferred from the customer's payment account to the e-commerce server account, but may be configured to be transferred to the electronic payment portal account instead of the e-commerce account as necessary. In addition, the product price is withdrawn from the electronic payment portal account, not the customer's payment account and deposited into the e-commerce account, and the payment amount requested to be settled in the customer's payment account or configured to go through the settlement process with the customer. Only when a smaller balance is left, it is possible to withdraw the product price from the electronic payment portal account and deposit it into the e-commerce account, and settle through the settlement process accordingly. The settlement can be performed online or offline, for example, for a period of one month or the like. When the payment is made online, for example, the electronic payment portal server 1 accesses the financial settlement server 10 in which the customer's account is established on a predetermined date, and the loan and contract interest are withdrawn from the account of the customer. It can take the form of depositing the payment portal account.

In addition, when performing financial transactions such as deposit and withdrawal, and account transfer, the batch processing by the electronic payment portal server 1 is possible through the same procedure as the payment for goods.

As described above, according to the present invention, there is provided an electronic payment portal server and an electronic payment method capable of performing online financial transactions collectively without the need to connect to the online network of the financial institution.

In particular, when adopting the electronic payment server according to the present invention and the Internet electronic payment system to which the electronic payment method is applied as one of the payment methods to the e-commerce site, the electronic payment portal server even if the customer types of financial institutions vary Through the payment can be performed in a batch. In addition, a plurality of financial settlement servers are connected to an independent financial network, and access to the financial networks is possible only through an electronic payment portal server, and the electronic payment portal server stores a customer database in which a customer's trading financial institution and payment account number are stored. In the case of having a, since the customer information required for the transaction, such as payment account number flows only in the financial network, the safety of the transaction is greatly increased.

Claims (12)

A financial institution database for storing information about a financial settlement server of a plurality of financial institutions; A communication module for accessing the financial settlement server and at least one electronic commerce server; And Receive financial transaction information and customer information related to the requested financial transaction from the electronic commerce server through the communication module, select a corresponding financial settlement server from the financial institution database based on the financial transaction information and customer information; And a control module for transmitting the financial transaction information and the customer information to the selected financial settlement server and receiving notification of the completion of the financial transaction from the financial settlement server and delivering the financial transaction information to the electronic commerce server. Electronic payment portal server. The method of claim 1, Further comprising an electronic commerce server database for storing information about the electronic commerce server, The control module, the electronic payment portal server, characterized in that for extracting the corresponding electronic commerce server account information from the electronic commerce server database and delivers it to the financial settlement server. The method according to claim 1 or 2, The financial transaction is a product payment of an e-commerce site customer operated by the e-commerce server on the Internet, the financial transaction information includes the name of the customer and the payment amount for the product payment, the customer information is a transaction And a financial institution and a payment account number, wherein the electronic commerce server account information includes an account number of the electronic commerce server provided in the trading institution. A financial settlement server database for storing information about financial settlement servers of a plurality of financial institutions; A customer information database storing customer information necessary for the financial settlement server to perform a financial transaction; A communication module for accessing the financial settlement server and at least one electronic commerce server; And Receiving financial transaction information about the requested financial transaction from the electronic commerce server, extracting the corresponding customer information from the customer information database based on the financial transaction information, and receiving the financial transaction information and the customer. Selecting the corresponding financial settlement server from the financial settlement server database based on the information, extracting the corresponding electronic commerce server account information from the electronic commerce server database, and extracting the financial transaction information, the customer information, and the And a control module for transmitting the electronic commerce server account information and receiving the completion of the financial transaction from the financial settlement server and delivering the electronic commerce server to the electronic commerce server. The method of claim 4, wherein Further comprising an electronic commerce server database for storing information about the electronic commerce server, The control module, the electronic payment portal server, characterized in that for extracting the corresponding electronic commerce server account information from the electronic commerce server database and delivers it to the financial settlement server. The method according to claim 4 or 5, The financial transaction is a product payment of an e-commerce site customer operated by the e-commerce server on the Internet, the financial transaction information includes the name of the customer and the payment amount for the product payment, the customer information is a transaction And a financial institution and a payment account number, wherein the electronic commerce server account information includes an account number of the electronic commerce server provided in the trading institution. Receiving financial transaction information and customer information about the requested financial transaction from a predetermined electronic commerce server; Selecting a corresponding financial settlement server based on the financial transaction information and the customer information; Delivering the financial transaction information and customer information to the selected financial settlement server; Receiving completion of the financial transaction from the financial settlement server; And Electronic payment method comprising the step of notifying the completion of the financial transaction to the electronic commerce server. The method of claim 7, wherein Extracting the electronic commerce server account information corresponding to the financial settlement server; And And transmitting the e-commerce server account information to the selected financial settlement server. The method according to claim 7 or 8, The financial transaction is a product payment of an e-commerce site customer operated by the e-commerce server on the Internet, the financial transaction information includes the name of the customer and the payment amount for the product payment, the customer information is a transaction Electronic payment method comprising a financial institution and payment account number. Receiving financial transaction information about a requested financial transaction from a predetermined e-commerce server; Extracting corresponding customer information based on the financial transaction information; Selecting a corresponding financial settlement server based on the financial transaction information and the customer information; Delivering the financial transaction information and customer information to the selected financial settlement server; Receiving completion of the financial transaction from the financial settlement server; And Electronic payment method comprising the step of notifying the completion of the financial transaction to the electronic commerce server. The method of claim 10, Extracting the electronic commerce server account information corresponding to the financial settlement server; And And transmitting the e-commerce server account information to the selected financial settlement server. The method according to claim 10 or 11, wherein The financial transaction is a product payment of an e-commerce site customer operated by the e-commerce server on the Internet, the financial transaction information includes the name of the customer and the payment amount for the product payment, the customer information is a transaction Electronic payment method comprising a financial institution and payment account number.