KR20020008896A - Internet rental bank system - Google Patents

Abstract

PURPOSE: An Internet rental safe system is provided to ensure secure maintenance by installing a few rental PCs and database in the Internet server and linking the server with a computer center. CONSTITUTION: The provider(202) contracts to the Internet rental safe system and installs a software in a provider shopping mall. A consumer(201) connects to the provider shopping mall via Internet and finishes the order by clicking the order button(204). Then the program connects to the rental PC(206) connected to an Internet commerce rental safe server(205). After all the processes including electronic application(207), electronic signature(208), electronic authorization(209), and account transfer information(210) has been completed according to the software program of the rental PC(206), the consumer links with the dealing bank and transfers the amount for the items shopped from the consumer's account through the bank computer, using the image password(212). After the transfer, the rental PC, the consumer, and the provider jointly administers the safe(215). The consumer and the provider are informed of all the transaction and the transaction history is stored in a database(217). When the program is shut down, the program is put in standby and other transaction is undertaken.

Description

Internet safe deposit system {INTERNET RENTAL BANK SYSTEM}

INTERNET is developing remarkably, and INTERNET-related companies are doing business in various ways such as INTERNET e-commerce (EC) and INTERNET BANKING by building INTERNETSERVER and developing various WEBHOSTING SERVICE.

In the above INTERNET e-commerce, the standard model and legal and institutional establishment of electronic document creation, digital signature, and electronic certification that can protect consumers and satisfy the supplier are uncertain. The interruption of the development of e-commerce on the Internet is caused by the discontinuance of shopping due to the payment issue that may be prepaid by wire transfer, credit card, smart card (IC CARD), etc.

Financial, insurance, securities, department stores, etc. develop various CARD issues and services to customers who use the Internet such as INTERNET BANKING, attracting excellent customers, increasing their work abilities, and working hard, but not sure and convenient. A friendly method is required and customers do not have a system suitable for the age of INTERNET, such as setting up a direct transfer account with a third party on the Internet.

By installing DATA BASE and multiple RENTAL PCs in the INTERNET SERVER and connecting the INTERNET SERVER to the computer center, the subscriber (customer) can secure the security using the RENTAL PC and only the customer designated as the professional system can be used alone. It is a safe deposit box that can thrive in the business of bars. It is about business models for Internet e-commerce and Internet customers.

From the above safe deposit box for internet e-commerce

In order for INTERNET e-commerce to be activated, electronic document creation, digital signature, electronic certification, and tax office reporting are legally handled to protect and satisfy both consumers and suppliers. A system for checking and paying goods is required, and the collection of sales price is guaranteed from the supplier's point of view, and the Internet commerce is activated to increase profits. PROGRAM requires a business model that allows for easy and lawful commerce.

From the above safe deposit box for internet customers

The customer connects with a computer insurance center such as a bank insurance policy company, opens his own account with his PC installed in the bank server that is available only to his general banking business, and builds credibility through joint management through money transfer contracts.

Department store shopping malls rent RENTAL PCs on a SERVICE level to reduce fees and increase sales by securing credit card payments, so that consumers can secure security and shop on the Internet without providing special information.

In order to manage deposits, such as bidding, sale, and auction, a business model is required to increase the efficiency of work by opening a joint account with a customer and transferring the account online.

Figure 1 is a brief description of the entire hardware (H / W) system of the present invention as the Internet safe deposit system block DIAGRAM.

Fig. 2 is a flow chart when shopping in a system for safe deposit of Internet e-commerce (B2B, B2C, B2G, G2C, P2P).

FIG. 3 is a flow chart showing a payment settlement after a shopping item is delivered to the customer in connection with FIG.

Figure 4 shows the flow of business processing as a SYSTEM FLOW CHART for safe deposit for Internet customers.

5 is a conceptual diagram showing the security cooperation of the safe deposit box system in the Internet e-commerce.

6 is a conceptual diagram showing the security cooperation of the Internet safe deposit box SYSTEM.

Reference will be made to the drawings 1,2,3,4,5,6 to explain the construction and operation of the present invention.

In Figure 1 above

This is a simple diagram showing the hardware (H / W) configuration of Internet Safe Deposit Box. It is composed of INTERNET SERVER (106) and DATA BASE (107) RENTAL PC (108). It is a low-cost computer specialized by a Pentium-class CPU that does not require devices, (using a common power supply) floppy disk (FDD) CD-ROM, GRAPIC CARD, etc., and it is easy to mount a number of devices in RACK form.

The supplier SERVER 102, the certification body 109, and the tax office 110 are for Internet e-commerce only, and if they do not need a connection with the financial computer network 105, they are connected to the cable center 104.

In Figure 2 above

When the supplier contracts the SYSTEM and installs the software (S / W) on the supplier shopping mall server, the customer 201 clicks on the shopping completion order 204 while the consumer 201 is connected to the supplier shopping mall 202 via the Internet 203. Connect to the RENTAL PC 206 connected to the Internet e-commerce safe deposit box SERVER (205) under PROGRAM and create an electronic document under the RENTAL PC (206) software PROGRAM (207) Digital Signature (208) Electronic Authentication (209) Account Transfer Setup When the 210 is completed, the consumer 201 connects to the transaction bank 211 and transfers the shopping price from the magnetic account of the bank computer center 213 to the RENTAL PC using the image PASSWORD 212 based on the PROGRAM. 206, consumer 201, and supplier 202 are co-managed 215. At this time, consumption and suppliers are notified and stored in their own DATA BASE (217), then become effective, in a waiting state (218), and can perform other contracts.

In principle, the joint account of the shopping price is jointly managed by transferring the account from the consumer transaction bank. However, if the consumer transaction bank does not enter into an agreement with the Internet e-commerce lending safe deposit service provider of the present invention and interest distribution, etc. Remittance to bank and co-manage.

In Figure 3 above

The supplier will consign (301) the contracted item to the consumer, and if the consumer confirms (302) and satisfies (303) the consigned item, he or she will pay (305) and request payment (305) on the Internet. Payments, whether stored in the transfer account 306, are transferred to the supplier account 307 and once the wage is confirmed 308 in the supplier account 307, the supplier 309 and the consumer 310 are notified and the tax office 311 ( 312) is legally reported and stored in the DATA BASE 325 of its own server, and then terminated (326).

If the delivered item is not what the customer wants (313), the consumer and the supplier go through the steps of adjustment (314) according to PROGRAM, and when the exchange decision is made for other goods, the return (315) is resent and confirmed by the consumer. If the consumer agrees (317) upon request for contract termination (316), the return (318) is determined and the money stored in the co-transfer account (306) is transferred to the consumer account and terminated (326).

In case of disagreement (320), HOLDING (321) will be held until agreement, and if HOLDING is prolonged (322), a fee (323) will be charged to suppliers, consumers, and both parties. do.

In Figure 4 above

In order to attract excellent customers from the banks (same as securities, department stores, auction companies, etc.) and to automatically computerize customer service through the Internet, the Internet rental vault system of the present invention is installed and the RENTAL PC 405 is leased to the customer for the customer. With the software (S / W) installed on the wired / wireless Internet PC 401 and the mobile phone 402, the customer accesses the Internet network 403 with the mobile phone 402, and then accesses the SERVER 404 of the bank. Connect to your RENTAL PC 407 with the click of ID 405 and image PASSWORD 406 preset as PROGRAM, and set up a separate account and processing required 410 in your account 409 of the computer center 408 The transfer can be performed using a computer network 412 and the like is stored in its own DATA BASE 415 before the end of the work 414. If a joint contract 416 is required, such as a special contract, the RENTAL PC 407 is connected to the Internet network 417 to set up a joint account. 416) After the payment is required to set up the payment by passing the pass (420) and remittances (412), etc. is required based on the image PASSWORD agreed between the customer (401,402) and the joint account set-up customer (418,419).

In Figure 5 above

This is a conceptual diagram showing mutual cooperation for payment and security of the Internet e-commerce safe deposit box system. ID and PW (PASSWORD) required for electronic document creation, electronic authentication, electronic signature, etc. are pre-defined by PROGRAM. It's easy and safe with two image clicks.

When the consumer decides to shop at the supplier shopping mall 502 and is connected to the RENTAL PC 503, the image ID and the image PW are determined to be a consumer click based on PROGRAM, and then used as the ID and PW set until the end of payment.

The PW of the RENTAL PC 503 is automatically generated under the agreement of the consumer 501 and the supplier 502 and is used for all documents, payments (transfers, remittances, etc.) and tax office reports for Internet e-commerce. .

In the above, the newly developed security system such as image ID and fingerprint recognition can be applied.

In Figure 6 above

The bank, insurance, securities, department stores, auction companies, etc., which have set up a safe deposit box for internet customers, show the concept of payment and security cooperation. If there is no agreement change afterwards, the agreed ID and PW will be used.

In the above, the customer is connected to the server of the safe deposit box for the Internet customer on the Internet network, and is connected based on a predetermined image ID (name may be used) and the image PW and performs necessary tasks.

In the above, advanced new technologies such as fingerprint recognition can be applied.

In the Internet e-commerce, the system of the present invention is installed and put into practical use. Consumers can check the purchased goods (after consignment) at the Internet shopping mall and pay the deposits, so they can purchase it with confidence. When goods are delivered to consumers, they are deposited in the joint name so that they can receive the goods immediately, so they can be sold with confidence, so they can focus on production and develop better products, especially in large-scale commerce such as B2B that will be made on the Internet. It is also a way to change the draft trading practice. In the future, when the present inventors introduce the Internet safe deposit box to banks, insurance companies, etc., customers can freely process their own information of the computer center without directly contacting the company employees (such as telephone calls). In shopping malls such as malls and department stores, installing an Internet safe deposit box to excellent customers can reduce the burden of credit card fees and facilitate customer management. Another bid. Applying to deposits such as pre-sale auctions, it is easy to manage cash (check).

As described above, if the consumer (customer) directly handles the work through the Internet, the domestic economy will develop, as well as the labor and management costs can be reduced, open 24 hours a day, 365 days a year. If the system of the present invention is spread and activated all over the world, distribution finance will develop dramatically, rapid internet globalization will be achieved, and faster development can be expected in the Internet related hardware and software market, and Korea will play a leading role in the Internet economy. Will be done.

Claims (6)

As a system for secured Internet rental, RENTAL PC 108, which can only be used by subscribers, consumers, and customers who are contracted in advance, is installed on the Internet SERVER (106), DATA BASE (107), etc. As a business model (BM) that conducts business by SEVICE, it deposits SYSTEM for Internet e-commerce, SYSTEMR for financial (bank, insurance, securities, etc.) transaction, customer management system such as malls, department stores, shopping malls, and bid sale auctions. PASSWORD method for SYSTEM and image password for price management. The method of claim 1 When applying the system to Internet e-commerce, it is a business model (BM) that satisfies the concept of payment and security coordination of the Internet e-commerce rental safe system and drawing 5 of the Internet e-commerce safe deposit box. Consumers pay purchases, suppliers deposit their payouts in a separate joint account, where payments are made under joint settlements (215) (306), electronic document creation (EDI) certification body certification, and tax office reporting. The operations such as bank transfer 210, 214, 306, remittance 307, 319, etc. are performed on software (S / W) of the same program. The method of claim 1 Bank, Investment Trust Credit Box Saemaul Vault Business system that installs SYSTEM in banknotes including banks, insurance, securities, company, etc., loan system SYSTEM FLOW CHART and software (S / W) and service to customer It is possible to randomly process data (online remittance, transfer of funds, and utility bills) of the computer center's own account funds through the internet, mobile phone PC, etc. with the RENTAL PC of the loan safe deposit box and transfer the deposit amount to the RENTAL PC. SYSTEM to maintain security The method of claim 1 Install the software (S / W) that satisfies the concept of payment and security coordination of the safe deposit system of the drawing 4 and the safe deposit system of the drawing 6 as the system to be installed in the customer management of malls, department stores, shopping malls, etc. Business model (BM) that enables customers to shop comfortably without paying a credit card or other fees by automatically debiting or remitting a fixed amount of money during a shopping period. Claim 1 Rental system of drawing 4 and rental of drawing 6 when the system is installed in courts, housing companies, and public offices that manage deposits at all times in bidding, sale, auction, etc. In principle, it is necessary to install a software (S / W) that satisfies the concept of payment and security coordination of the safe system and transfer the account to the customer's bank as a way of legally managing the customer's deposit. Is a remittance) and only account transfer is solved at the time of return. The method of claim 1 Image PASSWORD method that checks ID, PW, which is necessary for maintaining all payment security on the internet, using image PASSWORD like Figure 5 and Figure 6, not the letter and number method used so far. In the above, the image is made by combining various patterns such as poca, clay, flowers, trees, animal instruments, etc. Among them, PASS is based on 2 to 5 contracted images and sequences in consideration of the importance of security.