KR20020003923A - Internet virtual checks for the promotion of international e-commerce and commercial e-banking payment agency systems. - Google Patents

Abstract

PURPOSE: An Internet virtual check for activating an international electronic commerce and a commercial Internet payment agent system are provided to activate electronic commerce by issuing an Internet virtual check based on a deposited money, and by preventing the purchaser from being heavily damaged even though the purchaser meets with a unjust accident. CONSTITUTION: A compact disk is manufactured for encoding and inputting a determined secret authentication password. A computer of an electronic payment agent is connected to a plurality of purchaser computer and a plurality of seller computer connected to the Internet. A customer authentication unit of the electronic payment agent is automatically connected by an Internet virtual check using the compact disk. In addition, the customer authentication unit of the agent receives a password of the check. A server interlocking unit for an Internet seller authenticates the customer authentication unit interlocks information on products. A database interlocking unit inputs and outputs passwords of checks and so on. An Internet virtual check electronic payment agent system server inputs/outputs data to/from the database interlocking unit. An Internet virtual check electronic payment agent system server interlocking unit transfers prices. A database interlocking unit inputs and outputs data on payment of prices. A plurality of seller server is composed of a data processing unit capable of inputting and outputting data to/from the database interlocking unit. A computer for a seller inserts the compact disk in case that the seller and purchaser perform direct transaction.

Description

Internet virtual checks to facilitate international e-commerce and commercial electronic banking payment and settlement system using them. {.}

The present invention issues an Internet virtual check for safer and more convenient transactions of e-commerce, which is spreading with the development of the Internet, expansion of information and knowledge exchange, and activation of the contents industry, and a commercial internet virtual check payment and settlement agent system using the same. (Commercial Internet Payment Clearing Agent System). The Internet virtual check payment and settlement agent system of the present invention is an electronic financial settlement agent system that can be used both on and off line using a compact disk.

According to the present invention, in the case of ONLINE, a plurality of individual CD buyers are automatically driven when the CD is inserted into the CD-rom drive of the buyer's computer, and the check password stored in the CD is automatically connected to the billing agent's customer authentication computer. After the automatic transfer, after entering the check transaction number specified on the CD surface on the buyer's computer, sending it to the payment agent's customer authentication computer, the buyer sends the check transaction number on the CD surface to the seller's computer, The seller sends the transaction details and charges of the buyer's CD transaction, transfers them to the payment agent's customer authentication computer, and then the payment agent's customer authentication computer automatically sends the check password and check transaction from the buyer's CD. After checking whether the numbers match the CD information stored in the payment agent's database, Check and match the check transaction number received from the computer, check the transaction history and payment history, check the balance of the buyer's customer database, and check the transaction intention and the payment history on the buyer's computer running the buyer's CD. After the buyer sends the transaction confirmation from the buyer's computer to the payment agent's client authentication computer, the payment agent deposits the transaction amount in the seller's account and then clears the transaction. After transferring to the running computer, the balance of the CD and the transaction end are transmitted to the buyer's computer. In the case of OFFLINE, after inserting the CD into the seller's computer, the seller's computer automatically sends the CD's check password to the payment agent's computer, and then the seller's computer sends the check transaction number, transaction history, and payment history on the CD. Then, the payment agent's computer checks the received check password and check transaction number, checks the transaction details and the payment details received, checks the balance of the corresponding CD account in the payment agent's database, and pays the account to the seller's account. After the transfer, the balance of the CD and the transaction end are sent to the seller's computer. It is composed of the above system and provides a payment method and a payment method for payment or settlement on the offline payment and the payment generated in electronic commerce on the Internet.

Purpose of the invention 1. The present invention to solve the above problems or to make use of the existing power of the existing banking system to make the most of the amount deposited in advance to the payment agent to issue an Internet virtual check using a Compact Disk and using it as a means of payment domestic and foreign The aim of the present invention is to provide an electronic payment method using an internet virtual check and an electronic payment system using an internet virtual check to facilitate electronic commerce and electronic payment.

Purpose of the invention 2. The present invention provides an electronic payment method and system that eliminates the risk of theft and all illegal hacking of personal information of the buyer and all kinds of personal information related to existing payment methods such as bank accounts or credit cards.

Purpose 3. The present invention enables payment without informing the seller of personal information of the buyer and all kinds of personal information related to the existing payment means such as a bank account or credit card, and the payment process that the seller has to pay when using the existing payment system. It is to provide an electronic payment method and system that eliminates or minimizes the seller's costs incurred by the time and space consumption of the process.

Purpose 4. The present invention can prevent the buyer from denying his or her own purchase or refusing the payment from the seller's point of view through the payment settlement agent, and the seller delays or rejects the sale of goods or services from the buyer's point of view. It is to provide an electronic payment method and system that can be prevented in advance.

Purpose 5. The present invention is to issue a virtual virtual check using a Compact Disk based on the purchaser's deposit amount to minimize the loss of the buyer even if an unfair accident occurs during e-commerce and electronic payment, and the payment settlement agent caused by The goal is to ensure safer and smoother e-commerce for both buyers and sellers by having specific compensation methods for damages.

Purpose 6. It is aimed at encouraging both buyers and sellers to have trust by establishing a system to prevent all illegal acts of Compact Disk when issuing virtual checks using Compact Disk. have.

The present invention is to issue a virtual virtual check using a compact disk for payment and more secure and convenient transactions of electronic commerce that is spreading with the development of the Internet, expansion of information and knowledge exchange, and activation of the contents industry, and payment of commercial internet virtual checks using the same. And a commercial internet payment clearing agent system.

In general, Electronic Fund Transfer covers cases where a transaction of goods or services occurs electronically without using cash as a means of payment. In other words, payment is made using credit card, Giro, bank transfer or E-money.

The present invention is the leakage of personal financial information and personal information that occurs when using the existing means of payment of electronic commerce (e.g. online remittance, credit card payment, electronic money payment, etc.), the burden of payment costs, electronic There are disadvantages such as the hassle of purchasing a card. In case of online money transfer, the buyer's real name and account number are leaked, and in case of credit card, the credit card number and password can be stolen. There is no choice. In the case of the recent electronic money payment system, the electronic money card has to be purchased at a general store in reality, and thus, there is a limitation that other Internet users other than a specific local residents who can purchase the electronic money card at the shop cannot use it.

In addition, since the Internet is a computer network that covers the entire world, in theory, smooth exchange of information and commercial purposes between Internet users across borders should be activated. However, language barriers, high costs incurred in the real international financial system, at least three days of time, and complex import and export customs clearance problems inevitably arise in real cities. As a result, the current Internet payment system (the existing payment method above) is ridiculously high such a barrier to activate international e-commerce. For example, if you are selling Contents products that can be purchased and verified without any space constraints at the time of payment, the only way to pay for Contents products in other countries is by using a credit card. However, when using a credit card as described above, there is always a risk of theft because credit card numbers and passwords are exposed.

In addition, the existing e-commerce payment agent system requires the user's personal information and manages this information on the e-commerce payment agent system, which has the problem that there is always a risk of personal credit information leakage. have.

The use of the Internet is exploding due to the widespread use of personal personal computers, but until now, only Credit Card is the only payment settlement system that can be used in both ONLINE and OFFLINE. There is a problem as.

The present invention is to solve the problems as described above, by making full use of the public power of the existing banking system to issue a virtual virtual check using a Compact Disk to the amount previously deposited in the payment agent and using it as a means of payment, domestic and foreign The aim of the present invention is to provide an electronic payment method using an internet virtual check and an electronic payment system using an internet virtual check to facilitate electronic commerce and electronic payment.

The present invention provides an electronic payment method and system that eliminates the risk of theft and all illegal hacking of personal information of buyers and all kinds of personal information associated with existing payment methods such as bank accounts or credit cards.

The present invention enables payment without informing the seller of personal information of the buyer and all kinds of personal information related to the existing payment means such as a bank account or credit card, and the payment process that the seller has to pay when using the existing payment system. It is to provide an electronic payment method and system that eliminates or minimizes the seller's costs incurred by the time and space consumption of the process.

The present invention can prevent the buyer from denying his or her own purchase or refusing the payment from the seller's point of view through the payment settlement agent, and the seller delays or rejects the sale of goods or services from the buyer's point of view. It is to provide an electronic payment method and system that can be prevented in advance.

The present invention is to issue a virtual virtual check using a Compact Disk based on the purchaser's deposit amount to minimize the loss of the buyer even if an unfair accident occurs during e-commerce and electronic payment, and the payment settlement agent caused by The goal is to ensure safer and smoother e-commerce for both buyers and sellers by having specific compensation methods for damages.

It is aimed at encouraging both buyers and sellers to have trust by establishing a system to prevent all illegal acts of Compact Disk when issuing virtual checks using Compact Disk. have.

Figure 1 is a flow chart illustrating an on-line and off-line electronic payment settlement situation of the present invention.

In order to achieve the above object, the present invention provides a computer of an electronic payment agent for issuing an Internet virtual check using a Compact Disk, a check password automatically transmitted from the Compact Disk of a buyer, and a check transaction number transmitted by the buyer. Customer's authentication computer of electronic payment agent with registration, authentication and all information transfer with buyer, computer generating internet virtual check and check password and check transaction number using Compact Disk of electronic payment agent The computer of the electronic payment agent who manages the base and the check password of the virtual check. The computer of the electronic payment agent that manages the database, the personal computer of the buyer, which allows multiple buyers to access the computer of the Internet seller and generate commerce. Access to transactions The real-time check of the Internet virtual check using the Compact Disk, the authentication section of the electronic payment agent who withdraws and authenticates the transaction history and balance data, and requests the bank transfer and the result of the account transfer to the bank for the agency to pay the electronic commerce. It consists of the payment agency and the account transfer management section of the checking electronic settlement agent, and the payment clearing section that clears the balance of the Internet virtual check using the Compact Disk and pays the buyer for the payment of the e-commerce transaction. do.

First, the electronic payment settlement agent manufactures an internet virtual check using a compact disk equipped with a predetermined security device and sells it on the offline. Internet virtual checks using Compact Disks do not have personal information, so other people can transfer, give or give away other distributions like general checks. Take responsibility

In the case of e-commerce on ONLINE, the purchaser accesses the Internet virtual check using the Compact Disk owned by the electronic payment agent through the Internet to the buyer's computer running the Internet, and uses the built-in program of the Compact Disk to make the electronic payment. Automatically send secure check passwords to the agent's authentication computer. At the same time, the buyer transmits the check transaction number written on the surface of the Internet virtual check using his compact disk to the computer of the trading partner (seller) connected to the Intenet and the computer of the electronic payment settlement agent.

Seller's computer transmits transaction related information such as check transaction number, transaction history and transaction price of virtual virtual check using Compact Disk received from buyer's computer to electronic settlement agent's computer.

The electronic payment agent's computer checks whether the check password and check transaction number matched by the buyer's computer's Compact Disk and the authenticity of the Internet virtual check using the pre-issued Compact Disk stored in their database computer. Figure out.

The electronic payment agent's computer checks whether a current transaction has occurred by comparing the check transaction number of the virtual virtual check received from the seller's computer with the check transaction number received from the buyer.

The electronic payment agent's computer aggregates transaction-related information, such as transaction details and payments, received from the seller's computer, and the check transaction number and check password sent from the buyer's computer are stored on the electronic payment agent's database computer. After checking the balance of the account that matches with, compare the transaction details and transaction information received from the seller's computer, and if the account balance is smaller than the transaction price, the transaction details and the transaction price and the final intention of the transaction Is sent to the buyer's computer running the buyer's compact disk to confirm the transaction intention.

The buyer sends the final transaction confirmation through the buyer's computer running the Internet virtual check using the Compact Disk, and the electronic settlement agent transfers the buyer's payment through the computer to the account of the seller (seller). The balance is deducted from the internet virtual check account using the buyer's compact disk, and the bank is required to transfer the money to the seller's account. The bank immediately transfers the electronic payment agent's request to the seller's account and notifies the electronic payment agent's transaction details and balance checking computer to the result of the transfer. The electronic payment agent completes the payment by sending the payment completed, clearing the transaction, and the balance to the seller and the buyer's computer. The seller then confirms the delivery of the goods or services they provide and sends the transaction termination to the buyer's computer.

The transaction details and balance confirmation computer of the electronic payment agent store the transaction details and balance status in a database computer.

The results of the transfer of the computer and the bank's database computer and the bank account of the seller can be used as proof of transaction of fraudulent accidents and all disputes in electronic commerce. It will remain as specific data that can be grasped to explain the situation.

In the case of OFFLINE, the purchaser automatically transmits the check password of the Internet virtual check using the Compact Disk to the electronic payment agent by running the Internet virtual check using the Compact Disk owned by the buyer on the seller's computer connected to the seller's online. In addition, the purchaser enters and transmits a check transaction number through the seller's computer that operates the virtual check using his Compact Disk. The seller sends transaction details and payment details through his computer.

The electronic settlement agent confirms the check password and check transaction number of the Internet virtual check using the Compact Disk received from the seller's computer from his database, transfers the transaction amount to the seller's account, and transfers the transaction amount to the buyer's account. After the balance is subtracted from the balance of the Internet virtual check account using the Compact Disk, the payment is confirmed by sending the transaction confirmation and payment completion to the seller's computer.

The results of the bank transfer of the customer's computer and the electronic payment agent's customer database computer and the bank can be used as evidence of fraudulent accidents and all bonsai transactions in electronic commerce. It will remain as specific data for understanding the situation.

The check password delivery system for Internet virtual checks using the Compact Disk first undergoes the encryption process of a unique number using a predetermined encryption method, and then inputs the encrypted check password into a type of compact disk that is impossible to duplicate or very difficult to reproduce. At the same time, the compact disk is manufactured by inputting a program that automatically transmits the encrypted check password when the compact disk is inserted into the PC using the CD-Rom Drive automatic driving technology. In addition, the Compact Disk must have a program for entering and sending a check transaction number.

Eventually, the encrypted check password decryption key will be held only by the electronic payment agent, making it possible to secure the check account regardless of general distribution and distribution of the Compact Disk.

In order to prevent the illegal distribution of illegal copies of Internet virtual checks using the Compact Disk, printing, printing, lending or balances of third parties by physically imitating and printing designs on the surface of CDs (like those of general currency) It is easy to judge the authenticity of the withdrawal.

As described above, the Internet virtual check cash payment system using the Compact Disk of the present invention facilitates electronic commerce through the Internet network by using a special Compact Disk having a check password with a predetermined amount, and can be used in transactions on the offline. It can solve the security problems such as the existing credit card, cash card, inconvenience, or troublesome, and can prevent the input of personal credit information and the illegal and unfair theft risk, which are defects of other e-commerce payment system. Eliminating it increases the convenience of e-commerce and maintains more accurate and secure security and security that enables international e-commerce.

Claims (7)

Compact Disk that is designed to input and automatically operate by encrypting predetermined password A plurality of buyer computers connected to the Internet network, a plurality of seller computers connected to the Internet network, and computers of an electronic payment agent connected to the Internet network, The customer authentication department of the electronic payment agent, which is automatically connected by the Internet virtual check using the Compact Disk, receives the check password and checks the authentication and balance of the check password and the check transaction number. The server interlocking unit for internet sellers that processes the authentication, transaction approval, payment transfer, customer and product information of the customer authentication unit The server linkage unit for the customer authentication unit and the internet merchant, and the database linkage unit for inputting and outputting balance checks, check passwords, and check transaction numbers; Internet virtual check electronic payment agent system server using a compact disk consisting of a database interlocking unit and a data processing unit for inputting and processing data Server interworking unit for internet virtual check electronic payment agency system using a compact disk for transaction approval request and payment transfer Internet virtual check electronic payment agency system server compact unit using Compact Disk and database interlock unit to input and output data about payment A plurality of Internet merchant servers comprising a database interworking unit and a data processing unit for inputting and processing data Seller's computer that inserts a Compact Disk when the seller and buyer deal directly The client's authentication department for the payment agent, With the database interlocking part to work with the customer authentication part Electronic payment agent system for transmitting and receiving data to and from the Internet virtual check electronic payment agent system server and seller computer using the buyer computer and the Compact Disk. The system of claim 1, wherein the virtual virtual check using the Compact Disk includes a check password, a check transaction number, and an automatic operation program. The electronic payment system of claim 1, wherein the virtual virtual check is issued and distributed using the compact disk. The electronic payment system according to any one of claims 1 to 2, wherein the virtual virtual check using the Compact Disk does not include any personal information of the purchaser and any personal information. The operation of the electronic payment system using the virtual virtual check using the Compact Disk via the Internet network comprises the steps of accessing the home page of the corresponding merchant computer and server by accessing the Internet network from the buyer computer; Search and select the types of items on your homepage, Check the amount of money the product can purchase Using a virtual virtual check using a Compact Disk to pay for the purchase amount; The check password is automatically transmitted by the built-in program using the Internet virtual check using the Compact Disk. Where the check number is entered and sent The check password and check transaction number received are determined and retrieved by the payment agent's customer verification unit and are valid checks. Determining if the check password and check transaction number entered are canceled if they are invalid; Sending the check transaction number, transaction history, and transaction amount from the merchant's computer to the electronic payment agent's customer certificate; Confirming the transaction and asking the bank to make a payment Electronic money settlement system using virtual virtual checks using a Compact Disk that goes through the process of closing and confirming a transaction. The electronic financial settlement system according to claim 4, which enables electronic payment settlement using a check concept without being provided with user's personal credit information and general information. The electronic financial settlement system of claim 6, wherein the settlement and settlement of settlement and transaction is performed in a database of a payment agent as a payment method of electronic commerce and general commerce.