KR20010100701A - The system and method of clearing housing for payment of electronic commerce on the internet - Google Patents

Abstract

The present invention provides a path for mutual authentication and mutual settlement in the payment of electronic commerce between sellers, billing agents, and buyers on the web using the internet network to facilitate electronic payment on the internet. A clearing house system and method, comprising: a network connection unit connecting a payment intermediation site to an internet network; A transaction management unit for transferring the tasks delivered from the buyer, the seller, and the billing agent to the processing unit; Authentication information processing means for receiving the authentication task from the buyer through the transaction management unit to authenticate the buyer's identity through the billing agency and provide the result to the seller; Provides a clearing housing system including the billing information processing means for receiving the billing information from the seller to provide the billing agency to receive the purchase price and to store the billing information; and provides a clearing housing method using the billing information.

Description

The system and method of clearing housing for payment of electronic commerce on the internet}

The present invention relates to a clearing housing system and method for payment on the Internet, and more particularly, to mutual authentication and mutual payment in the payment of electronic commerce between a seller, a billing agency and a buyer on the web using the Internet network. A clearing house system and method for payment on the Internet that facilitates electronic payment on the Internet by providing a path for settlement.

In general, e-commerce related to the purchase of goods or digital contents on the Internet is directly connected with buyers, sellers, and billing agencies through the Internet network, and the payment method is also linked to the seller's site. The billing agency uses direct authentication of buyers and electronic commerce.

Therefore, in the conventional billing method, since the billing agencies linked to each sales site may be different, buyers on the Internet must subscribe to several billing agencies in order to purchase goods from various sales sites. There is discomfort.

In addition, every time a purchase is made from a normal shopping mall or a CP operator, the buyer has to provide all of his or her personal information to each operator who deals with the personal information, which may leak and be misused.

On the other hand, the seller side is difficult to secure a wide variety of buyers because it must be operated directly by a limited payment means, and there is a problem that must be directly linked to a number of billing companies to deal with.

The present invention has been made to solve the above problems, when the buyer wants to purchase goods and digital content on the Internet, if the information for the authentication of the buyer is delivered from the seller to send the information delivered to the billing agency and The e-commerce process is performed by passing the buyer's credit authentication information from the billing agent back to the seller, and the billing agent bills the buyer by receiving information from the seller about the amount of the purchased product and returning it to the billing agent. It is to provide a clearing housing system for payment on the Internet, which enables payment and settlement of the received transaction between seller and billing agent.

Another object of the present invention is to use the above-mentioned clearing housing system to inter-authorize the identity of the buyer through the telephone system or the existing buyer ID in the e-commerce payment on the Internet, and to create a channel for exchange and settlement of transaction information and settlement. It is to provide a clearing housing method for payment on the Internet.

1 is a block diagram of a clearing housing system for payment on the Internet according to the present invention.

Figure 2 is a flow chart of a clearing housing method for payment on the Internet according to the present invention.

<Explanation of symbols for the main parts of the drawings>

10. Terminal equipment 12,52. Network connection

14,54. Operating system 16,56. Internet protocol

20. Web browser 22. Interface unit

60. Transaction Management Unit 62. Authentication Information Processing Unit

70. Prebilling process 72. Billing database

82.ARS Processing Unit 84. Text Message Processing Unit

The present invention is configured as follows to achieve the above object.

That is, the clearing housing system for payment on the Internet according to the present invention is a server of the payment intermediation site in an internet system in which buyers, sellers, billing agencies and payment intermediation sites are interconnected through an internet network. A network connection unit embedded in a device to connect the payment intermediation site to an internet network; A transaction management unit which transmits a task transmitted from a system of a buyer's terminal device or a seller and a billing agency to a corresponding processing unit; Authentication information processing means for receiving the authentication task from the buyer through the transaction management unit to authenticate the buyer through the billing agency and provide the information to the seller as a result; And billing information processing means for receiving billing information from the seller through the transaction management unit and providing the billing agent to the billing agency and storing the billing information.

In addition, in order to achieve the above another object, the present invention comprises a first step of the purchaser to determine the purchase of goods on the seller site and the payment method using a web browser; A second step of the purchaser inputting his or her personal information to authenticate the payment; A third step of authenticating the identity of the buyer by transmitting the personal information of the buyer entered through the authentication processing means of the payment settlement site to the billing agency and transmitting the result to the seller site; A fourth step of obtaining, storing, storing, and transferring the billing information from the selling site through the billing information processing means when the electronic transaction is made by the buyer's identity; A fifth step of billing and acquiring a purchase price to a buyer according to the billing information transmitted by the billing agency; And a sixth step in which the billing agency and the payment brokerage site settle a predetermined fee when the purchase price is received, and pay the sales price to the seller. A method is provided.

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

1 is a configuration diagram of a clearing housing system according to the present invention, and FIG. 2 is a flowchart illustrating a clearing housing method for electronic commerce payment using the clearing housing system.

As shown in FIG. 1, in the clearing housing system according to the present invention, a purchaser terminal 10 causing a task for an e-commerce payment and a server device 50 for processing the task through a series of procedures are connected to the Internet. It is constructed by being interconnected through a network.

The terminal device 10 is an interface unit 22 consisting of a client component (Java Applet, Active X, Plug-In, etc.) that allows the purchaser to enter the payment method selection and personal information and display the processing result, A web browser 20 which receives all the tasks generated from the interface unit 22 and processes them through the operating system 14, and an internet protocol unit 16 which refers to all protocols on the Internet and is responsible for processing for internet communication; It is composed of a network connection unit 12 which is a network device such as a modem or a network adapter connected to the Internet network to enable the Internet.

The server device 50 is a web server 58 for transmitting the data requested by the web browser 20 through the Internet protocol unit 56 and the interface unit 22 of the terminal device 10 composed of a client component or Transaction management unit 60 for transmitting the task delivered from the seller's system to the corresponding processing unit, the authentication information processing unit 62 for passing the information entered by the buyer to the billing agency, processing the result and generating a one-time password and , Raw data or partially processed state of the billing information delivered from the ARS processing unit 82 and the text message processing unit 84 and the interface unit 22 or the seller's system to deliver the one-time password to the buyer as ARS or text message, respectively. It consists of a prebilling processing unit 70 for delivering to the billing agency, and a billing database 72 for storing billing information.

The authentication processing unit 62, the priviling processing unit 70, the ARS processing unit 82 and the text message processing unit 84 of the server device 50 may be made into a separate system according to the processing capacity, and the transaction management unit A server component made of ASP, Java Servlet, Php, Perl, or CGI, etc., and a TCP communication module, and have an organic relationship with the interface unit 22 of the terminal device 10.

Also, as shown in Figure 2, the clearing housing method for payment on the Internet according to the present invention is as follows.

That is, when the buyer wants to purchase the goods or the digital content on the seller's sales website using the web browser (20), various payment methods are displayed when the payment is selected after selecting the goods (step 100). When the purchaser selects payment using a phone (step 200), the personal information input window is displayed by the interface unit 22 (step 202). Input personal information (resident registration number, telephone number, etc.) in the displayed window and request authentication through the interface unit 22 (step 204). The transaction manager 60 of the server device 50 authenticates with the authentication information processor 62. The request information is transmitted and the authentication information processing unit 62 requests the buyer authentication while delivering the buyer information to the billing agent authentication system (step 206). If the authentication result is normal (step 208) and the authentication result is normal, the authentication information processing unit 62 generates a one-time password, and if the phone number entered by the buyer is a landline phone, the password and the buyer's phone number are sent to the ARS processing unit 82. The interface unit 22 displays the password input window (step 210). In addition, the ARS processing unit 82 dials the delivered telephone number and gives a password (step 212). The buyer who received the password enters the password in the input window (step 214). The authentication information processing unit 62 compares the transmitted password with the password transmitted from the interface unit 22 and transmits a match to the interface unit 22 (step 300). If the comparisons match, the interface unit 22 displays the normal processing message and transmits the normal processing result to the seller website (step 302). The billing information management unit 70 receives the billing information transmitted from the interface unit 22 or from the billing server of the seller through the transaction manager 60 (step 304), and the billing information is provided in raw data form or partially processed form. Store in the charging database (step 306). In addition, the billing information is forwarded to the billing agent to bill directly to the buyer (step 308). The billing agency bills and accepts the purchase price to the subscriber who is the buyer based on the billing information delivered (step 310). The billing company that receives the purchase price pays the clearing housing company after limiting the billing agency fee (step 312), and the clearing housing company pays the purchase price to the seller after limiting the brokerage fee (step 314). Generated through ANI (Automatic Number Identification) information can be delivered to the buyer.

In addition, if the phone number entered by the buyer in step 210 is a mobile phone, if the authentication result is normal, the authentication information processing unit 62 generates a one-time password and delivers the one-time password and the buyer's phone number to the text message processing unit 84, and interfaces The unit 22 displays a password input window (step 250). The text message processing unit 84 displays the password using the text message to the transferred phone number (step 252). The buyer who received the password enters the password in the input window (step 254). The authentication information processing unit 62 compares the transmitted password with the password transmitted from the interface unit 22 and transmits a match to the interface unit 22 (step 300). If the comparisons match, the interface unit 22 displays the normal processing message and transmits the normal processing result to the seller website (step 302). The billing information management unit 70 receives the billing information transmitted from the interface unit 22 or from the billing server of the seller through the transaction manager 60 (step 304), and the billing information is provided in raw data form or partially processed form. Store in the charging database (step 306). In addition, the billing information is forwarded to the billing agent to bill directly to the buyer (step 308). The billing agency bills and accepts the purchase price to the subscriber who is the buyer based on the billing information delivered (step 310). The billing company paying the purchase price pays the clearing housing company after limiting the billing agency fee (step 312), and the clearing housing company pays the purchase price to the seller after limiting the brokerage fee (step 314).

On the other hand, if the payment method selected by the buyer is payment using the ID (step 400), the personal information input window is displayed by the interface unit 22 (step 402). Input personal information (Log On ID, password, etc.) in the displayed window and request authentication through the interface unit 22 (step 404). The transaction manager 60 of the server device 50 returns to the authentication information processor 62. The authentication request information is transmitted and the authentication information processing unit 62 requests the buyer authentication while delivering the buyer information to the authentication system of the billing agent and receives the result (step 406). If the authentication result is normal (step 408), and if the authentication result is normal, the interface unit 22 displays a normal processing message and transmits the normal processing result to the seller website (step 302). The billing information management unit 70 receives the billing information transmitted from the interface unit 22 or from the billing server of the seller through the transaction manager 60 (step 304), and the billing information is provided in raw data form or partially processed form. Store in the charging database (step 306). In addition, the billing information is forwarded to the billing agent to bill directly to the buyer (step 308). The billing agency bills and accepts the purchase price to the subscriber who is the buyer based on the billing information delivered (step 310). The billing company that receives the purchase price pays the clearing housing company after limiting the billing agency fee (step 312), and the clearing housing company pays the purchase price to the seller after limiting the brokerage fee (step 314).

In addition, if a purchaser using the Internet is already subscribed to an Internet service provider (PC communication company, ISP, high-speed Internet network service provider, CP service provider, etc.) when the purchaser wants to purchase goods or digital content on the Internet, Entering the buyer ID and password into the client component provided by the broker in accordance with the rules recognized by the broker, enter the buyer ID (e.g. userid @ internet provider) and password, the broker will return the buyer ID and password entered by the The billing company bills the buyer and the broker limits the billing fee from the billing company by passing it to the billing company corresponding to the mark, requesting user authentication, and sending the processing information to the seller if the verification is successful. Receive the payment and pay the brokerage fee to the seller Then you can pay the purchase price.

In addition, when a web 2 phone service company provides a paid service, the service user is authenticated through a billing agent, and raw data or part processing is received by receiving CDR (Call Detail Record) information generated from an Ep 2 phone service company. The billing information can be delivered to wired / wireless telecommunications providers to receive the amount excluding the authentication and billing fees from the billing company and to provide the service provider with the cost for the clearing housing.

On the other hand, when purchasing a telephone calling card on the Internet, the buyer's authentication information is transmitted to the billing agent, and if authentication is successful, the calling card password (Pin number) received from the calling card vendor or the password (Pin number) ) By providing the buyer with a method of transmitting encrypted or unencrypted e-mail or wired / wireless telephone over the Internet and transferring the billing information to the billing agency. It can be done by taking the excluded amount and subtracting the cost for the clearing housing and giving it to the calling card vendor.

Effects of the clearing housing system and method for payment on the Internet according to the present invention made as described above are as follows.

In other words, when a user using the Internet wants to purchase an item or digital content on the Internet, e-commerce is possible using the registered personal information. Therefore, each operator who trades his or her personal information whenever purchasing to Chopin Mall or CP operator is available. By providing all of them, it is possible to minimize the possibility of misappropriation or misuse of important personal information that can occur, and to reduce the inconvenience of managing each member number and password, thereby contributing to the activation of healthy business. In addition, in the case of sellers, various types of payment methods can be applied to secure a wide variety of purchasers and reduce the inconvenience and waste of resources to be connected to each billing company.

Claims (6)

In an internet system in which buyers, sellers, billing agencies and payment brokerage sites are interconnected through the internet network, A network connection unit embedded in a server device of the payment broker site to connect the payment broker site to an internet network; A transaction management unit which transmits a task transmitted from a system of a buyer's terminal device or a seller and a billing agency to a corresponding processing unit; Authentication information processing means for receiving the authentication task from the buyer through the transaction management unit to authenticate the buyer through the billing agency and provide the information to the seller as a result; Clearing housing system for payment on the Internet comprising a; billing information processing means for receiving the billing information from the seller through the transaction management unit provided to the billing agency and stores the billing information. The apparatus of claim 1, wherein the authentication information processing means comprises: an authentication information processing unit which transmits authentication information from the purchaser to the billing agency, processes the result, and generates a one-time password; An ARS processor for transmitting the one-time password generated by the authentication information processor to the purchaser as an ARS; Clearing housing system for payment on the Internet, characterized in that consisting of; a text message processing unit for transmitting the one-time password generated by the authentication information processing unit through a text message. The billing information processing unit of claim 1 or 2, further comprising: a billing processing unit for transferring billing information delivered from a seller's system to a billing agency; Clearing housing system for payment on the Internet, characterized in that consisting of a billing database for storing the billing information. A first step in which a buyer decides to purchase goods on a seller site using a web browser and selects a payment method; A second step of the purchaser inputting his or her personal information to authenticate the payment; A third step of authenticating the identity of the buyer by transmitting the personal information of the buyer entered through the authentication processing means of the payment settlement site to the billing agency and transmitting the result to the seller site; A fourth step of obtaining, storing, storing, and transferring the billing information from the selling site through the billing information processing means when the electronic transaction is made by the buyer's identity; A fifth step of billing and acquiring a purchase price to a buyer according to the billing information transmitted by the billing agency; And a sixth step in which the billing agency and the payment brokerage site settle a predetermined fee when the purchase price is received, and pay the sales price to the seller. Way. According to claim 4, wherein the purchaser identity authentication step is to be authenticated by one of a wired telephone authentication process, a wireless telephone authentication process, and an authentication process using a buyer ID according to the purchaser's payment method selection, The wired phone authentication process obtains the purchaser's personal information including the wired phone number, and the authentication processing unit delivers the buyer information to the billing agency's authentication system to receive the result and confirms the authentication. The authentication processing unit generates a one-time password and delivers the password and the buyer's phone number to the ARS processing unit. The ARS processing unit calls the transferred phone number to inform the buyer of the password so that the buyer enters the password in the password input window. The authentication processing unit compares the transmitted password and the purchaser's input password and matches the result of the normal processing to the seller website; The wireless phone authentication process obtains the purchaser's personal information including the wireless phone number, and the authentication processing unit delivers the buyer's information to the billing agency's authentication system, receives the result and confirms the authentication. The authentication processing unit generates a one-time password, passes the password and the buyer's phone number to the text message processing unit, and the text message processing unit dials the transferred phone number to inform the buyer of the password so that the buyer enters the password in the password input window. The authentication processing unit compares the transmitted password with the purchaser's input password and transmits the normal processing result to the seller website; The authentication process using the purchaser ID obtains the purchaser's personal information including the purchaser ID and the password from the purchaser, and the authentication information processing unit passes the purchaser information to the authentication system of the billing agency, receives the result, and confirms the authentication. Clearing housing method for payment on the Internet, characterized in that the authentication result is normal by displaying a normal processing message and forwarding the normal processing results to the seller website. The method of claim 4 or 5, wherein the charging and acquiring step A process in which the billing information delivered from the seller's billing server is transferred to the prebilling manager through the transaction manager; Storing the charging information in a charging database in raw data or in a partially processed form; Clearing housing method for payment on the Internet, characterized in that consisting of the process of delivering the billing information to the billing agent of the buyer.