KR20010108594A - Electronic payment processing operation method using cyber bonds on the Internet - Google Patents

Abstract

The present invention relates to a method for selling electronic bonds on the Internet and an electronic settlement processing method using the bonds, and the transaction between the customer and the shopping mall is performed by the agency, which is an authorized institution, on behalf of the above-described process, thereby performing the transaction between the customer and the shopping mall. The present invention relates to a method of operating an Internet system that processes transactions to enable more secure and convenient transactions. In more detail, the shopping mall approves the issuance of the shopping mall by the agency, and the agency sells the approved bond to the customer through its homepage and simultaneously manages the database input of the customer. When purchasing an item or using information, the agent pays the shopping mall from the customer's bonds managed by the company, and the agent and the shopping mall are proactively performing the above-described process. No cumbersome payment and approval steps are required, customers can relieve anxiety about leakage of personal information, and shopping malls can eliminate the effort of investigating customers' credit, thus making transactions in cyberspace safe and convenient. It is about how to operate the Internet system.

Description

Electronic Payment Processing Using Cyber Bonds on the Internet {.}

The present invention relates to a method for selling electronic bonds on the Internet and an electronic payment processing method using the bonds, and the transaction between the customer and the shopping mall is performed by the agent, which is an authorized institution, on behalf of the above-described process, thereby performing the transaction between the customer and the shopping mall. The present invention relates to a method of operating an Internet system that processes transactions to enable more secure and convenient transactions. In more detail, the shopping mall approves the issuance of the mall by the agency, and the agency sells the approved bond to the customer through its homepage and simultaneously inputs and manages it in its database. When a company purchases an item or uses information, the agency pays the shopping mall from the customer's bonds managed by the company, and the above-mentioned process is proactively performed by an authorized agency, so that the customer and the shopping mall No cumbersome payment and approval steps are required every time, customers can solve the anxiety about personal information leaks, and shopping malls can eliminate the effort of investigating the customer's credit, making cyberspace transactions safe and convenient. It relates to a method of operating an Internet system that can be performed.

Electronic commerce is a transaction in which all or part of a transaction of goods or services is processed by electronic means such as electronic document exchange. In the electronic commerce, the subject of the transaction is a cyber shopping mall that provides goods or services, a consumer who purchases goods or services in a virtual shop, a bank or a credit card company that is involved in a financial relationship with the products.

As the Internet develops, the purchase of goods and services through the Internet is increasing rapidly. The handling items are indeed diverse, and the growth rate of the size and diversification that is traded from simple information service to home appliances and general necessities, as well as automobiles and houses is surprising.

However, in the above-mentioned cyberspace transactions, in spite of various advantages such as ease of use and promptness, each time a customer receives goods and services when he / she purchases and receives services through the Internet, With the trouble of having to enter password. Significant problems are exposed, such as leakage of personal information, anxiety about transactions, and difficulty in verifying credit, especially in the payment area, because many users avoid using them due to concerns about user information leakage.

In order to solve the above problems, the present invention enables the settlement of payments with the purchased bonds at the same time to perform a bond transaction in the cyber space, and for the authorized agency to carry out the above series of processes by the agency. Thus, customers and shopping malls eliminate cumbersome payment and approval steps for each transaction, customers relieve anxiety about leakage of personal information, and shopping malls eliminate the effort of investing in customers' credit checks to secure transactions in cyberspace. The purpose of this paper is to propose a method of operating the Internet system that can be conveniently and conveniently performed.

In order to achieve the above object, the present invention is authorized by the authorized agency for the bond sale of the shopping mall (hereinafter referred to as a bond issuing company, the company is a company that operates the shopping mall operation and bond issuance), the company (agent) Selling bonds to customers through the homepage of), storing the information in the database, and when the customer purchases goods from the bond issuer or uses the service, the payment company makes payments to the bond issuer on behalf of the customer. Acting on behalf of the electronic payment, if the customer wants to sell bonds, the agency acts for the sale of bonds, when the bond is due maturity pays the principal and interest, or changes to a new bond.

In particular, the bond proposed by the present invention can be used in the same concept as a conventional gift certificate, and is convenient, and when the bond expires, it can receive principal and interest at the same time. Because it has the same function as cash, it is different from the conventional gift certificate.

In addition, in the electronic payment step of the present invention, the agency pays the settlement amount to the credit issuer and the rest amount is accumulated in cyber money, and the cyber money is used as a settlement amount in the subsequent settlement, if cyber money If the amount is greater than the payment amount, the difference is credited back to the cyber money, but if the cyber money is less than the payment amount, the small amount is settled in the remaining bonds, and after the settlement, including the steps to be credited back to the cyber money It features.

In addition, the present invention when a customer accesses the homepage of a shopping mall operated by a credit company to purchase goods or use information, the customer's holding bonds and cyber in real time through a database of the agency in a small space of the predetermined position of the homepage The money can be displayed, and when the customer has a situation to make a payment (buy an item or use information), he or she can update the display result and show the customer immediately in real time. You can check the payment status and remaining amount of your account.

1 is a simplified schematic diagram showing a connection on the Internet

Figure 1a illustrates the interrelationship of the components in the bond settlement processor of the present invention.

Conception

Figure 2 illustrates the process at the time of purchase, use of content, expiration of cyber bonds in the present invention

Flowchart

3 is a flowchart showing the purchase of cyber bonds in the present invention.

Figure 3a is a flow chart of processing of maturity bonds in the present invention

Figure 3b is a flow chart of bond trading between customers in the present invention

Figure 4 is an example of an interface for selecting a payment method when purchasing a cyber bond in the present invention

Figure 4a is an example of an interface for selecting a quantity when selecting a credit card in the present invention

Figure 4b is an example of the interface to select the amount when selecting the online deposit in the present invention

Figure 4c is an example in which cyber bonds and cyber money stored in a database in the present invention is displayed

5 is an example in which a list selected for using contents in the present invention is displayed.

Figure 6 allows the customer to enter a choice of maturity bonds in the present invention.

Example of an interface

Figure 7 is an example of the interface to enter the bond you want to trade in the present invention

Figure 7a is an example of the display of the bonds being traded in the present invention

Figure 7b is an example of an interface for purchasing cyber bonds traded in the present invention

Figure 8 is a schematic system structure diagram of the constituent factors in the present invention

9 is a data flow diagram between components in the present invention;

In order to achieve the above object, the present invention provides an Internet terminal 100 capable of accessing the Internet, a web server 201 having opened an Internet homepage, and connected to the Internet server to store customer bonds and cyber money information. Database (202), and a credit issuing company (300) that operates a shopping mall and requires cyber bond issuance.They are connected to the Internet for customers and agencies, agencies and bond issuing companies, customers and bond issuing companies. It is connected through the Internet. The customer 100 accesses the homepage of the server 201 operated by the agency through the Internet network and purchases a bond matching the condition, and the result is stored in the database 202. The customer pays the purchase price to the agency by credit card or other means, after which the customer does not have to pay until the purchase bond has been exhausted. When a customer is provided with content from each bond issuer and purchases or uses information required by the customer, the agency pays the amount as a cyber bond or cyber money. Cyber bonds can also be exchanged between customers, and at the time of cyber bond maturity, each agency can exchange interest and principals with cyber money for customers, or replace maturity bonds with newly issued bonds and replace interest with cyber money. .

Below. Based on the accompanying drawings in the present invention will be described in detail. The accompanying drawings are only examples that specifically describe one embodiment of the present invention, and the scope of the present invention is not limited or limited by the drawings or the description with reference to the drawings.

Fig. 1 is a simplified schematic diagram showing a connection on the Internet, and Fig. 1A is a schematic diagram showing the interrelationship between the constituents of the bond payment processor in the present invention. 2 and 3 are flowcharts showing a process of processing a bond when a customer purchases a bond, electronically uses the bond, and maturity arrives in the bond settlement processor of the present invention. 4, 4a, 4b, 4c, 5, 6, 7, 7a, and 7b are screens including the purchase of bonds included in the process of the present invention, purchase goods, processing of maturity bonds, sale of bonds, and the like. Or an example of a screen requesting an interface.

The following describes the steps in which a customer purchases a bond from an agency and the results are stored in a database.

Through the Internet terminal 100 of FIG. 1, the customer accesses the homepage of the web server 201 of the agency and subscribes according to the required procedure of the homepage (subscription step: not shown). Identify the bonds you are selling (not shown). The above bonds are bonds that are required to be sold by various issuers, and the price and quantity will vary depending on the needs of the issuer. The process of displaying the above information may be represented in various ways. Not shown in the present invention. When a customer selects a bond that meets the conditions and applies for a purchase, whether the payment is made by credit card (steps 3 and 12) or online payment (steps 3 and 13) while viewing the displayed screen as shown in FIG. Select. In the case of a credit card, a screen as shown in FIG. 4A is displayed. In the case of an online payment ticket, a screen as shown in FIG. 4B is displayed. Selecting the number of firms and bonds purchased (steps 3 and 14), the cyber bonds owned by the customer are displayed (Fig. 4c). When the customer makes a deposit via credit card or online, the bond sales price is managed by the agency 200. When the payment is received from the customer to the agency 200, the agent stores the customer's information and the cyber bonds held by the customer in its database 202 (step 15), and the bond issuer 300 is reminded. Notify the contents of The contents of the cyber bond may include the issue date, issuer, bond ID, maturity date, maturity cyber interest, face value, and other necessary information. The face value of the cyber bond is determined by a certain amount unit, the amount of the cyber bond is determined according to the requirements of the bond issuer 300, and may be a unit of 10,000 won, 20,000 won or more.

In the above description, if the customer's subscription processing system, the credit card payment system, and the number of copies are selected, the system for calculating the amount is based on the existing system.

The following describes a process in which a customer purchases an item at a shopping mall operated by a bond issuer, receives information, uses the payment as a bond, and performs the payment. When the customer 100 receives the content from the credit issuing company 300 and browses each shopping mall site, the customer selects the content or the service that the customer wants to purchase or receives the service (steps 2 and 20). As shown in the illustrated figure, the list selected by the customer is displayed on the screen and if the purchase is selected to display the rest of the screen (Fig. 4c) except the price of the cyber bonds and cyber money that the customer currently has. In this process, if the cyber money is more than or equal to the use of the content, the cyber money excluding the content usage fee from the cyber money (steps 2 and 40) is stored in the database (step 80) and the cyber money is less than the use of the content. After excluding content usage fees from cyber bonds (step 50), the remaining balance is stored in a database as cyber money (step 80). The bond issuer 300 notifies the agency 200 of the customer's purchase history and service history, and the agency 200 examines the purchase history and the service history used by the customer to the bond issuer 300. We will act for the payment of 100). That is, the bond issuing company 300 delivers the goods to the customer, and the agency 200 transfers some or all of the payment amount received through the issuance of the cyber bond to the bond issuing company 300.

In the above description, when the customer 100 purchases or uses the content (step 20), that is, the customer 100 buys or uses a service on an Internet shopping mall site operated by the credit issuer 300, Immediately the issuing company 300 is the customer number (ID) of the customer, the date and time of purchase or use of the content, the number using the content, the usage fee, the beneficiary (company receiving money), the bond issuing company (300) The encryption code including information about the company (company code name) and the like is transmitted to the web server 201 of the agency 200. The agency checks the current content usage of the customer 100 based on the encryption code transmitted to its web server 201, and collects cyber bonds and cyber money stored in the database 202 from the information of the customer. Calculate and display on the monitor of the customer 100 (FIG. 4C), update the contents of the database 202, and pay the content issuance fee to the credit issuer 300.

In the present exemplary embodiment, the present invention has been applied to goods, but the payment processor may be applied to a processor that receives a service from the Internet in addition to an internet shopping mall.

In the above contents, the agency 200 selects a bond issuer, and the selected bond issuer 300 and the agency 200 cooperate with each other. Through the alliance, the agency 200 provides the cyber bond issuing company 300 with a part of personal information (address, name, age, e-mail address, etc.) of the customer 100, thereby allowing the cyber bond issuing company 300 to serve the customer. The content may be provided to the 100. In other words, the bond issuer 300 transmits to the customer 100 what kind and service of the company's goods are to the customer. The description of the screen for providing the content and for the customer 100 to purchase an object or request a service is omitted.

The following describes the processing stage of an expired bond.

When the customer 100 does not use the content and the bond has expired (step 60), the customer 100 may select one item and two items (70 step) according to the customer's choice. In one case (72 steps), bonds can be stored in the database as cyber money including interest and principal (step 74). In two cases (73), interest is stored in the database as cyber money (step 74). The bond is replaced with the newly issued bond and stored in the database (step 74). In the case of one eye (step 72), the current expired bond is calculated as interest and accumulated as cyber money, and the result is shown on the screen of FIG. 4C. In the case of two eyes (step 73), the screen of FIG. 4C is shown, showing the state of being replaced with a new bond, and the interest is stored in the database as cyber money (step 74). Interest on the maturity of the bond is paid by the agency 200 because the agent 200 is managing the payment.

The following describes the trading of bonds held by customers.

Cyber bond trading is divided into two types: buy and sell. If the customer wants to sell the bond (step 90), if the customer wants to sell the bond (step 90), the name of the company and the number and quantity of the bond are selected and entered (step 91). The information is stored in the database of the web server 201, and the third customer who wants to purchase the bond can find the desired bond through the condition input search (not shown), and the searched result, that is, the company name of the bond, The number of purchases may be determined by looking at a screen (FIG. 7B) that displays an expiration date, holding quantity, selling price, and recent trading price.

When the third customer 100 who wants to purchase the bond enters the purchase quantity in the purchase frame (Fig. 7B), the price is automatically calculated and displayed. Finally, when the trading button is clicked, the trading is completed. In this case, in the cyber money stored in the database 202 of the third-party customer who wants to buy, the cyber bond except for the above-mentioned cyber bond sale is stored in the database (step 94). It is stored in the database (step 93).

Trading is made only when the prices of buy and sell are the same.If the prices do not match, the contents stored in the customer's database are immutable. If the trade is not made for a long time, the customer who wants to trade, that is, the customer who wants to sell Can be canceled.

Basically, trading is done through cyber money, and in case of lack of cyber money, the cyber bond is converted into the face value of cyber money with the member's consent.

8 and 7 are schematic system structures and data flow diagrams among the components in the present invention, respectively. In the present invention, the agency is a core component and all data is updated and stored through the agency and the payment is made. In other words, an agency is an open credit guarantee company on the Internet that is responsible for the smooth transfer of data between bond issuers and customers and is responsible for the credit of customers and bond issuers.

The bond settlement processor configured as described above allows a customer to sell and buy a bond through an agency, purchase goods or receive services using the bond, and convert it into cyber money including interest at the maturity of the bond. This is possible.

Despite the development of various security barriers, the current cyber space is open to customers, shopping malls, and other users in defense of information security. There are many voices that are concerned about the threat of cyberspace, such as the emergence of various viruses, monopoly of competitors, and misuse of information. In addition, it is not easy to distinguish whether a trade partner is a credit partner or a bad trader in cyber trading.

To cope with this, if the agency, a certified agency, conducts transactions between customers and bond issuers consistently, it will be able to increase the creditworthiness of cyberspace, which will have the effect of further enhancing the utilization of cyberspace.

Claims (6)

In the electronic bond sales of electronic commerce through the Internet and the electronic payment processing method using the bond, a) the step that the bond issuer of the company that built the shopping mall requests the agent to issue bonds, b) an agency selling said cyber bond to a customer; In the payment of the amount of money when the customer purchases or uses the information of the shopping object, c) paying the shopping mall with the customer's bond or cyber money managed by an agency; d) converting the remaining amount into cyber money if the bond is used in the settlement step; e) The sale of bonds using cyber space and the transaction payment settlement method using the bonds. The method of claim 1, wherein the selling of the bond comprises: determining a payment method for purchasing the bond by accessing a homepage operated by an agency, inputting information corresponding to the bond to be purchased, The information is stored in the agency's database 202, informing the customer of the result and the payment method according to the stored information, and displaying the cyber money according to the bonds and payments held by the customer so far stored in the database 202. The sale of bonds using the cyber space consisting of transactions and settlement payment method through the bonds. According to claim 1, wherein the payment step is when the customer 100 is connected to the homepage of the shopping mall operated by the credit issuing company 300, if the fee is generated by using the purchase or information of the goods, the credit issuing company is an agency. And the agency pays the fee, and compares the fee of the customer with the cyber money held by the customer (step 30). If the cyber money is more than the fee, the cyber money is used to pay the fee. Allocating the subtracted balance back to cyber money (step 40), if cyber money is less than royalties, pays royalties from cyber bonds, and after repayment, adds the balance to the original cyber money and allocates it back to cyber money ( Method of trading bonds using cyber space consisting of 50 steps) and payment of transactions through the bonds. The method of claim 1, The step of returning the maturity bond to the customer may include collecting the cyber bond that has reached maturity and returning the corresponding principal and interest to the customer (step 72), and when the customer purchases a new bond with the bond, The sale of the bonds using cyber space and the settlement of transaction payments through the bonds, which consists of replacing the new bonds with new bonds (step 73) and storing the results in the database (step 74). Way. The method of claim 1, A method of operating and selling of bonds using cyber space and payment settlement through the bonds, the method further comprising: buying and selling the bonds held by the customer. The method of claim 5 Displaying information about the bond to be sold on a homepage, entering a purchase intention when a price is identical between a customer who wants to buy and a customer who wants to sell, and storing the result in a database (93. 94 step) consisting of selling and selling the bonds using the cyber space and the transaction payment settlement method through the bonds.