KR20010104775A - Decision system and decision method using decision card for e-commercial use only - Google Patents

Abstract

The present invention relates to a payment system and a payment method using an electronic commerce payment card that can flexibly adjust the number of payments and the amount of payment. In the present invention, when you want to purchase the goods through the online shopping mall on the Internet, the payment through the e-commerce dedicated payment card issued by the bank. The card uses a credit function of a bank whose loan amount is designated according to a result of its credit rating, and is a method of making a payment by receiving a real-time loan from the bank every payment. The card can be used to set the number of payments, the payment limit (one time or cumulative amount), and the validity period of use according to the will of the user, and the card can be changed from time to time, such as the number of payments, the payment limit (one time or cumulative amount) and the validity period of the card. Minimize financial damage that can occur if lost.

Description

Decision system and decision method using decision card for e-commercial use only}

The present invention relates to a payment system and a payment method applied to electronic commerce, and more particularly to a payment system and a payment method using a payment card of its own e-commerce.

The Internet, which was used in the military sector for the first time, is now actively used in various areas of our lives, from searching for information, finding jobs, and booking tickets and performances due to the unrestricted nature of time and space.

In particular, recently, with the spread of the Internet, e-commerce that enables users to conveniently purchase necessary items anytime and anywhere using a network-enabled personal computer has become increasingly common. This e-commerce is a cyber shopping method where a buyer searches after purchasing an item in an internet shopping mall displayed on a monitor without visiting a store, and is becoming a very welcome shopping culture for modern people seeking a reasonable lifestyle. have.

As a payment method in such an electronic commerce, there are an online payment method and a payment method using a credit card. First, the online payment method has a disadvantage in that it burdens the buyer because the payment must be made in cash immediately. Therefore, a payment method using a credit card that can be settled even if there is no cash is widely used.

In addition, in recent years, credit card competitors have provided beneficial benefits such as lottery draws and giveaways using authorization numbers to secure their members. The payment rate is expected to be even higher.

However, the above payment method using a credit card can be used only by buyers having a credit card, and can be used only within the monthly limit of the credit card. In addition, they are unprotected against financial crimes using credit cards of others who have recently been in trouble, and they must pay about 3% of transaction amount as transaction fee and a certain amount of installment fee must be paid to the credit card issuer. There are disadvantages. In addition, unfavorable problems such as the excessive consumption is encouraged by the abuse of credit card issuance by credit card competitors.

Accordingly, an object of the present invention is to provide a payment system and a payment method for electronic commerce in which the transaction stability is guaranteed.

Another object of the present invention is to provide a payment system and a payment method for electronic commerce that can prevent a financial accident caused by loss of credit card or mobile phone.

In order to achieve the above object, the present invention provides a personal terminal unit for the buyer side for accessing the homepage of the online shopping mall through the Internet network; A buyer-side bank for issuing an e-commerce payment card to which a loanable credit product function is applied, which can be used exclusively at the time of e-commerce, upon request of the buyer; A bank account system system unit connected to the buyer's bank and connected to a dedicated line and managing an e-commerce dedicated payment account opened at the buyer's request; A joint center unit for retrieving a normal transaction request by searching a unique number directory of the e-commerce dedicated payment card entered by a buyer, and determining a transaction approval or a disapproval accordingly; A merchant bank connected to the joint center unit by a dedicated line and depositing a payment amount of a buyer to an online shopping mall in real time according to a deposit instruction of the joint center unit; A payment system using a payment card exclusively for e-commerce, comprising a payment gateway (PG) operator which collects transaction information of a buyer generated in the online shopping mall and transmits the transaction information to the co-center unit connected to a dedicated line. To provide.

In addition, in order to achieve the above objects, in the present invention, after selecting the item to be purchased through the online shopping mall on the Internet, the number of payments specified by the buyer himself, the payment limit (one time or cumulative amount), the validity period is set, Selecting a payment method using an e-commerce payment card to which a personal loanable credit product function is applied; Inputting a card unique number and an expiration date of an e-commerce payment card owned by the online shopping mall; Confirming, by the online shopping mall, whether the transaction is approved by transmitting the card unique number and the expiration date of use entered by the buyer to the common center through a PG service provider; The joint center transmits the daily transaction history of the buyer to the online shopping mall, the buyer side trading bank and the affiliated store (online shopping mall) side trading bank; Depositing a purchaser's transaction price into an online shopping mall by an affiliated store bank according to an instruction of the joint center; The buyer provides a payment method using the e-commerce payment card, characterized in that it comprises the step of repaying the monthly e-commerce payment amount used to the buyer-side bank that issued the e-commerce-only purchase card.

1 is a schematic system configuration diagram of a payment system using an electronic commerce payment card according to a first embodiment of the present invention.

2 is a schematic system configuration diagram of a payment system using an electronic commerce payment card according to a second embodiment of the present invention.

3 is a schematic system diagram of a payment system using an electronic commerce payment card according to a third embodiment of the present invention.

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

* Description of the symbols for the main parts of the drawings *

10: Buyer 20: Online Store

30: Buyer side bank 40: PG operator

50: Bank account system 60: Joint Center

70: merchant bank

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

1 is a schematic system configuration diagram of a payment system using an electronic commerce payment card according to a first embodiment of the present invention.

Referring to the drawings, the payment system is a buyer 10 who wants to purchase the goods using the Internet, an online shopping mall 20 for selling the goods through the Internet network, and the e-commerce payment card to the buyer 10 side Issuing and managing the buyer-side trading bank 30, the online shopping mall 20 is connected to the Internet network, PG (Payment Gateway: payment agent) that collects the buyer's transaction information transmitted from the online shopping mall 20 side Is connected to the operator 40, the buyer side bank 30 by a dedicated line, the bank account system 50 for managing the e-commerce dedicated payment account (account) of the buyer 10, e-commerce dedicated payment card number It is connected to the joint center 60 and the joint center 60, which functions as an integrated gateway that operates an issuing solution, and stores merchant accounts such as an online shopping mall 20. It is composed of the merchant bank 70 of the merchant side.

The buyer 10 who wishes to make a payment using the electronic commerce payment system according to the present invention first accesses the bank's homepage or visits a bank store directly by using a personal terminal with internet access. Opens a dedicated bank account for commerce, and is issued an e-commerce dedicated payment card according to the opened bank account. At this time, the e-commerce dedicated payment account is a virtual bank account that exists on-line that is not issued offline, and various credit products of banks capable of personal loans, including negative loans, are applied. Therefore, each purchase of goods through the e-commerce loan payment from the e-commerce dedicated payment account is to complete the real-time payment processing.

In general, as the credit limit of the bank's credit products is determined according to the objective evaluation result of the customer, the e-commerce payment account is also based on the basic information such as the applicant's credit history, salary, occupation, age, and mobile phone holding. After setting the basic limit of the limited amount in real time, the credit rating of the individual is internally evaluated to set the basic limit of payment that can be used for one month. The purchaser 10 will autonomously set the personal limit that he / she wants to use when using an e-commerce payment card within the basic limit set by his bank.

On the other hand, the e-commerce dedicated payment account is given a unique bank account number, which is entered and managed on the ledger by the bank as the default account number, and is used as a basic account number for managing the customer until the customer requests account cancellation. . Therefore, the unique bank account number of the payment account is issued according to the account number issuing system for each bank. In addition, an e-commerce dedicated payment card issued according to the e-commerce dedicated payment account is provided with a card unique number of about 14 to 16 digits. The card unique number is obtained by using a solution built in the common center 60. Is issued, the card unique number directory is also managed by the common center (60).

The payment card can be reissued from time to time, and the number of validity of the card number can be freely set at the request of the customer. That is, the e-commerce dedicated purchase card unique number is composed of a bank unique code number (about 2 digits), card number (about 11 digits), and check digit (about 1 digit) that issued the card. The card number field is provided with a number of payments consisting of approximately four digits, which is expressed in the same way as a notation of validity (month / year) of a general credit card. Accordingly, the number of payments may be represented from "0001" representing one time to "9999", and may be represented as "0000" when the number of payments is not specified.

When the monthly basic limit set by the buyer's bank 30 is set at 1 million won according to the credit rating result of the e-commerce exclusive card applicant, the applicant sets the number of payments once or several times in advance, and at the time of payment (1 The personal limit of the amount of time or cumulative amount) is also set in advance from 1 to 1 million won. Therefore, if the payment is to be made more than a predetermined number of times, the payment is not made. For example, a customer who sets the default limit set at 1 million won by the bank side sets the personal limit back to 100,000 won according to his / her payment tendency. Therefore, if the one-time payment amount exceeds 100,000 won or the cumulative payment amount exceeds 100,000 won, the transaction is impossible, unlike the general credit card has the advantage of minimizing the financial damage due to card loss. In addition, when the payment amount is set high, the use frequency is limited to one, thereby eliminating anxiety caused by information exposure. In addition, when the card is lost, it is desirable to change the information from time to time, the number of payments, the payment limit (one time or cumulative amount) and the effective date of the card in order to prevent the financial damage caused by the use of others. For a more stable transaction, it is desirable to freely change a payment limit amount from a small amount to a large amount and a large amount to a small amount at each payment and receive a new card unique number. In addition, by limiting the number of times you can re-enter the card unique number when the payment is made, even if you do not enter the correct card unique number within a limited number of payments are prohibited.

Meanwhile, the e-commerce dedicated payment account opened by the buyer 10 is continuously managed through the bank account system 50 connected to the buyer-side bank 30 server through a dedicated line. In addition, the monthly payment limit may be raised or lowered depending on the purchaser's payment situation.

1, a payment system according to a first embodiment of the present invention will be described.

The purchaser 10 having received the e-commerce payment card from the buyer-side bank 30 selects a product to purchase through the online shopping mall 20 on the Internet, and then selects a payment method using the e-commerce payment card. Will be chosen. In the online shopping mall 20, the purchaser 10 inputs a unique number and a valid use date of an electronic commerce payment card. The online shopping mall 20 transmits the information inputted by the purchaser 10 and the payment information to the PG service provider 40 through the Internet network, and the PG service provider 40 is connected to the PG service provider by a dedicated line again. Send to 60. The joint center 60 searches the unique number directory of the payment card possessed by the buyer 10 and transmits the transaction approval information to the online shopping mall 20 via the PG service provider 40 in the case of a normal transaction request. do. In addition, the joint center 60 notifies the daily transaction details of the buyer to the online shopping mall 20, the buyer-side trading bank 30, and the merchant-side trading bank 70. In addition, the merchant bank transfers the payment instruction data on the payment to be paid by the buyer. The merchant bank 70 receiving the payment instruction data pays the payment for the goods purchased by the buyer to the online shopping mall 20 in real time. In addition, the buyer repays the total payment amount for the goods purchased on a monthly basis through the online shopping mall to the buyer's transaction bank 50, which issues and manages their own e-commerce payment account, thereby realizing continuous e-commerce. Do it.

At this time, when the purchaser 10 fails to repay the payment amount used for one month to the bank 30 of his transaction, the buyer pays the appropriate loan interest in the following month. In addition, the annual fee of the electronic commerce payment card is included in the monthly loan repayment, thereby reducing the resistance to the annual fee payment. In addition, in the above payment system, the use of a card is actually prohibited in the case of a minor, but by introducing the concept of a family card (family card), when a buyer opens one account, the number of the family can be issued and used for payment. have.

On the other hand, the card unique number is also established in the purchaser's side bank 30, rather than the joint center 60, the self-issued system is also given, in this case, the joint center 60 is sent directly from the online shopping mall 20 Or the transaction text transmitted through the PG service provider 40 is classified by banks and transmitted, and serves as an integrated gateway to reply whether the transaction is approved. In addition, the buyer-side transaction bank 30 may be dedicated to the integrated gateway role performed by the joint center 60 as well as the card unique number issuance service.

2 shows a payment system using an e-commerce payment card according to a second embodiment of the present invention, it can be seen that the PG service provider 40 of FIG. 1 is not constructed.

Therefore, the second embodiment according to FIG. 2 differs only in a portion where the first embodiment according to FIG. 1 and the PG provider 40 are related, and all other contents are the same. That is, in the second embodiment, the joint center 60 directly receives transaction information of the purchaser 10 who purchased the product through the online shopping mall 20.

3 shows a payment system using an e-commerce payment card according to a third embodiment of the present invention, it can be seen that the joint center 60 of FIG. 1 is not constructed.

Therefore, the third embodiment differs from the first embodiment according to FIG. 1 only in the part in which the common center 60 is related, and all other contents are the same. In the third embodiment, a unique number of an e-commerce dedicated purchase card is assigned by using an issuing system that is separately set up at the buyer side bank 30. In addition, in this case, the buyer-side transaction bank 30 transfers the transaction text of the buyer directly transmitted from the online shopping mall 20 or through the PG service provider 40 by bank, and sends an approval or reply to the integrated gateway. Play a role. In addition, the PG operator 40 prepares the settlement data of the buyer, and gives an order for payment of payment to the online shopping mall 20 to the merchant bank 70. In addition, the purchaser's settlement data and payment payment instructions can be carried out in the buyer's trading bank (30) without going through the PG provider (40).

Hereinafter, referring to FIG. 4, an e-commerce-only payment method using a personal payment card according to an embodiment of the present invention will be described.

First, in step 100, a buyer accesses a homepage of an online shopping mall on the Internet. In step 102, after confirming that the member is a member, if the member is not a member, the process proceeds to step 104 to go through a new member registration process. On the other hand, if the subscription member proceeds to step 106 to shop the online shopping mall, and selects the goods to purchase. In step 108, the user selects a payment method for the item he wants to purchase.

In step 110, it is determined whether the buyer intends to pay using an e-commerce payment card according to the present invention. If the buyer does not want a payment method using an e-commerce-only card, the purchaser proceeds to step 112 to make a payment by other means such as cash or credit card payment. However, when the buyer selects the payment method using the e-commerce-only card according to the present invention, the process proceeds to step 114 to input the unique number and the validity number of use of the e-commerce-only purchase card.

Subsequently, step 116 is a transaction approval step. The online shopping mall side confirms whether the transaction is approved by transmitting the payment information input by the buyer, that is, the unique number of the e-commerce-only purchase card and the expiration date to the common center. If the transaction is not approved, the process proceeds to step 118 where the transaction is not allowed. When the transaction is not allowed, a short message about the transaction is not allowed to the online shopping mall.

On the other hand, if the payment for the electronic commerce-only purchase card is approved in step 116, the process proceeds to step 120 and transmits transaction approval information to the online shopping mall. Subsequently, in step 122, the joint center transmits the daily transaction history of the buyer to the online shopping mall, the buyer side trading bank, and the affiliated store (online shopping mall) side trading bank.

In step 124, the joint center instructs the merchant bank to pay the buyer's payment to the online shopping mall. In step 126, the affiliated store's transaction bank pays the settlement price in real time to the online shopping mall according to the deposit instruction of the joint center. In step 128, the merchant bank pays the payment price to the online shopping mall, thereby completing the real-time payment according to the purchase. Then, in step 130, the buyer repays the monthly e-commerce payment price used by the buyer-side bank that issued the e-commerce exclusive purchase card, thereby realizing the e-commerce using the e-commerce exclusive purchase card according to the present invention.

Meanwhile, in step 122, the daily transaction history of the buyer may be grasped by the buyer's trading bank and transmitted to the online shopping mall and the merchant's trading bank. In addition, the deposit instruction in step 124 may be performed by the PG operator or the buyer-side bank rather than the joint center.

In realizing e-commerce, in the past, a provider-centered payment means provided on a uniform basis was used. However, in the present invention, other payments are made by using a consumer-centered e-commerce purchase card that enables the customer to set up a card environment. Differentiation from the means can be secured.

Although the above-described invention has been described with reference to the drawings and defined by way of example, various changes and modifications are possible to those skilled in the art without departing from the technical spirit of the invention according to the matter. Of course.

As described above, according to the present invention, by using an e-commerce exclusive purchase card that can arbitrarily set and freely change the number of payments, the payment limit (one time or cumulative amount), and the expiration date of use according to the intention of the card holder, It has the advantage of relieving anxiety and minimizing financial damages caused by the use of others even when the card is lost.

In addition, in using an improved payment system using an e-commerce exclusive purchase card according to the present invention, there is no need to build a separate payment solution because it uses the existing credit card payment solution as it is.

In addition, according to the present invention, it is possible to cooperate with a bank and a PG provider without intervening a joint center, and also to directly process an online shopping mall and a bank without intervening a joint center and a PG operator. There is an advantage to realize e-commerce.

Claims (17)

A purchaser side personal terminal unit for accessing a homepage of an online shopping mall through an internet network; A buyer-side bank for issuing an e-commerce payment card to which a loanable credit product function is applied, which can be used exclusively at the time of e-commerce, upon request of the buyer; A bank account system system unit connected to the buyer's bank and connected to a dedicated line and managing an e-commerce dedicated payment account opened at the buyer's request; A joint center unit for retrieving a normal transaction request by searching a unique number directory of the e-commerce dedicated payment card entered by a buyer, and determining a transaction approval or a disapproval accordingly; A merchant bank connected to the joint center unit by a dedicated line and depositing a payment amount of a buyer to an online shopping mall in real time according to a deposit instruction of the joint center unit; A payment system using a payment card exclusively for e-commerce, comprising a payment gateway (PG) operator which collects transaction information of a buyer generated in the online shopping mall and transmits the transaction information to the co-center unit connected to a dedicated line. . The electronic commerce-only payment card of claim 1, wherein a card unique number including the number of payments set by the card applicant, a payment limit amount (one time or cumulative amount), and the number of validity of use is registered. Payment system using a payment card. The payment system of claim 2, wherein the card unique number may be changed several times at the request of a card holder. The payment system according to claim 2, wherein the payment limit (once or cumulative amount) is specified within a monthly default limit set by the bank according to a card applicant's customer evaluation result. The payment system of claim 2, wherein the payment is not allowed unless the card unique number is correctly entered within a specified number of input times. The payment system of claim 1, wherein when the PG service provider is not established, the joint center directly receives transaction information of a buyer provided by an online shopping mall. The payment method according to claim 1, wherein the unique number of the electronic commerce payment card is issued by the co-center and the issuing method includes all applicable issuance methods, such as using a homepage and distributing client software for issuance. Payment system using card. The payment system of claim 1, wherein the unique number of the electronic commerce payment card is issued by a buyer's transaction bank when the joint center is not established. The payment card of claim 8, wherein the buyer-side transaction bank serves as an integrated gateway for classifying and transferring the transaction details of the buyer transmitted from the online shopping mall by banks and returning approval. Payment system using. The payment system according to claim 1, wherein the order for depositing payment to the online shopping mall is lowered at the buyer's bank or the PG provider when the joint center is not constructed. After selecting an item to purchase through an online shopping mall on the Internet, the e-commerce loan function is applied to the personal loanable credit product function, in which the number of payments specified by the buyer, the limit of payment (one time or cumulative amount), and the validity of use are set. Selecting a payment method using a payment card; Inputting a card unique number and a validity number of use of an e-commerce payment card owned by the online shopping mall; Confirming, by the online shopping mall, whether the transaction is approved by transmitting the card unique number and the number of validity of use data inputted by the buyer to a common center through a PG service provider; The joint center transmits the daily transaction history of the buyer to the online shopping mall, the buyer side trading bank and the affiliated store (online shopping mall) side trading bank; The joint center depositing a transaction price of a buyer to an online shopping mall according to an instruction of a merchant bank; The purchaser is a payment method using an e-commerce payment card, characterized in that it comprises the step of repaying the e-commerce payment amount used monthly to the buyer-side bank that issued the e-commerce-only purchase card. The payment method according to claim 11, wherein the buyer opens a dedicated bankbook for electronic commerce by directly visiting a bank homepage or a bank book of a bank to which he or she wishes to transact. The payment system according to claim 11, wherein the bank co-payment system transmits an unsuccessful short message to the online shopping mall if the transaction is not permitted due to an error in the card unique number entered by the buyer. Payment method using a card. 12. The method of claim 11, wherein the unique number of the dedicated e-commerce payment card is issued by the common center. 12. The method of claim 11, wherein when the common center is not established, a unique number of the electronic commerce payment card is issued by a buyer's bank. The payment card of claim 15, wherein the buyer-side transaction bank serves as an integrated gateway for classifying and transmitting transaction details of the buyer transmitted from the online shopping mall by banks and returning approval. Payment method using. The payment method according to claim 11, wherein the payment order for payment to the online shopping mall is lowered at the buyer's bank or the PG provider when the joint center is not established.