KR20020018444A - Settling method using virtual account management system - Google Patents

Abstract

PURPOSE: A method for processing an electronic commerce payment using a virtual account managing system is provided to create foundation of a safety and reliable electronic commerce by making a financial institution having a public confidence freeze a loan, thereby deciding a direction of a loan in accordance with a transaction accomplishment or not. CONSTITUTION: In case that a commodity is bought in a virtual account managing system and a paying method by the virtual account managing system is selected, an affiliated shopping mall 'A' notifies commodity selling information to the virtual account managing system, and a depositing confirmation waiting state is maintained(1). A commodity price is deposited in one's virtual account(2). If the commodity price is completely deposited, the ID and password of the corresponding member are notified. The deposited amount is deposited an actual account of an affiliated bank and a transaction detail(depositing information) is transmitted to the virtual account managing system, and the transaction detail is managed in a virtual account DB of the virtual account managing system(3). The virtual account managing system refers to a member information DB and notifies the transaction detail is notified to the corresponding shopping mall(4). A commodity is delivered in accordance with the member information DB and an automatic confirmation of the transaction detail(5,6). The member confirms the delivered commodity offhandedly and decides a receipt or a cancel(return) and the delivery person registers the delivery result(7). The amount price of the commodity is transferred from the virtual account of the virtual account managing system to a shopping mall account(8).

Description

How to process e-commerce payment using virtual account management system {SETTLING METHOD USING VIRTUAL ACCOUNT MANAGEMENT SYSTEM}

The present invention relates to an electronic commerce payment authentication method using a virtual account management system, and more particularly, to a method of providing and operating a virtual account dedicated management between an affiliated bank and an affiliated shopping mall.

As the number of users of e-commerce increases, there are many problems related to payment security and transaction guarantee. Such a problem is that when a payment is made and the goods do not arrive, the goods are delivered, but different from the desired goods, and the goods are sent, but the payment is not received.

A system that can guarantee electronic commerce with only its own credit rating is being developed by companies with high reputation and high reliability, such as auctions. You can check the payment immediately because you receive the payment. However, if the payment is made by bank transfer, it can only be confirmed by the statement. This causes inconvenience to members such as excessive labor costs and delays in delivery of goods.

Because the verification method and procedure must enter the name as the identification code of the depositor when depositing the passbook, the only identification code that can be compared with the member ledger is the name.

Accordingly, in order to solve the above problems, a reliable financial institution freezes the price and decides the direction of the price according to whether or not to close the transaction, thereby providing a system and method for establishing a secure and reliable basis for electronic commerce.

To improve this, each member is given a unique number (the account number of the promised system used by banks) (virtual account). If this member's ID (account number) is managed in a database by 1: 1 correspondence with the member ID, and the member is allowed to make a deposit on the unique bank account number given to the individual, and the information is received from the bank, the payment confirmation is It will be possible immediately.

1 is a network configuration diagram of a virtual account management system.

2 is a system configuration diagram for explaining a method for granting a virtual account.

Figure 3 is a system configuration for explaining the purchase, payment and return of goods using the virtual account management system of the present invention.

The above object of the present invention is a payment processing method using a virtual account management system that is connected to an affiliated bank and an affiliated shopping mall provider providing a virtual account by a dedicated line to perform payment authentication and guarantee of the affiliated shopping mall company, the customer of the affiliated shopping mall company Depositing the price of the goods in the virtual account, receiving the deposit amount and the account number from the operating system of the affiliated bank, and using the account number, the customer ID and the deposit amount of the operating system of the affiliated shopping mall company; It can be achieved by the payment processing method using a virtual account management system, characterized in that it is provided in the step of transmitting to.

Hereinafter, the present invention will be described in more detail with reference to the drawings. 1 is a network configuration diagram of a virtual account management system. The virtual account management system functions as an intermediary between the affiliated bank system and the affiliated shopping mall system, and is connected to the virtual account management system by a dedicated line using the X.25 protocol. The customer system is configured to be easily connected to the affiliated shopping mall system and the virtual account management system using a public communication network.

The virtual account management system is composed of a communication device consisting of a hub, a router, and a CSU / DSU, a firewall server, a web server, a DB server, an authentication server, a virtual account AP server, and a communication server. The communication server handles the communication between the affiliated bank system and the affiliated shopping mall system, and the firewall server is responsible for the security of the main data in the virtual account management system. The DB server is a system for efficiently processing the DB such as the member information DB and the virtual account DB used by the virtual account management system, the authentication server is a server for user authentication, and the virtual account AP server is used in various systems. Server for executing applications. The web server is used as a web hosting server that provides various contents according to the customer's response.

2 is a system configuration diagram for explaining a method of granting a virtual account. The affiliated bank system generates a plurality of virtual accounts at the request of the virtual account management system. A virtual account refers to a real account DB opened in an affiliate bank by a request from an affiliated institution, and a plurality of virtually generated accounts assigned by 1: N with a representative account as a parent account. As an example of the virtual account generated in Figure 2 is shown 06: 001-01-0000-012. The virtual account DB created in the affiliated bank system is stored in the DB server of the virtual account management system. The DB server in the virtual account management system is provided with a member information DB that stores information on the members of the affiliated shopping mall, and stores information on the virtual account number matching each member.

Referring to FIG. 2 as an example, a customer has a customer ID green as a customer of an affiliate shopping mall A, and a payment account number has 06: 001-01-0000-012. In addition, assume that the user is registered as a member in the virtual account management system and the member ID is designated as blue. In this case, the member information DB of the virtual account management system has information about a shopping mall to which a member named blue is registered, member ID and virtual payment account used in the shopping mall.

As a method of granting a virtual account to a customer, it can be divided into a case of registering a member directly in a virtual account management system, a method of granting a new member of a shopping mall, and a member registration method for an existing member of a shopping mall.

In the case of registering a member directly in the virtual account management system, a new account number is sent to the partner bank to receive the commerce-only account number of the desired bank at the time of registration, and the new account number is received to notify the customer. Card issuance).

The method to be given when registering a new member of the shopping mall explains the virtual account management system before completing the new member registration, and transfers the new account to the relevant partner bank to collect the virtual account number of the desired partner bank. The new account number is received and the account is notified (* card issuance).

In the case of member registration (existing members) method for existing members of the shopping mall, the virtual account is explained to the existing members and the member who is willing to use the virtual account is registered in the same way as when registering the member directly in the virtual account management system. You will be given an account number.

3 is a system configuration diagram for explaining the purchase, payment and return of goods using the virtual account management system of the present invention. Each detailed step will be described.

In the goods purchase step, when the goods are purchased in the virtual account management system and the payment method is selected by the virtual account management system, the affiliated shopping mall A notifies the virtual account management system of the merchandise sales information so as to maintain the payment confirmation wait state. (① step)

In the payment step, the goods are deposited in the virtual account of the new member. At this time, the deposit method, such as window deposit, foreign currency, CD transfer, ARS, Internet banking can be used. (Step ②)

When the payment is made to the virtual account, the virtual account dedicated system is connected 1: 1 with the virtual account member ID. Upon receiving notification of the deposit details and account number, the depositor can be immediately identified. You will be notified of the deposit amount. The deposit amount is deposited in the real account of the partner bank and the transaction details (deposit information) are transmitted to the virtual account management system to manage the transaction details (deposit information) in the virtual account DB of the virtual account management system. At this time, the communication means used for transmission and reception is specialized in leased line using X.25 communication protocol to secure transaction between partner banks. (Step ③)

The virtual account management system reports the deposit information to the shopping mall with reference to the member information DB. (Step ④)

Next, the deposit confirmation goods delivery will proceed with the goods delivery operation according to the automatic confirmation of the member information DB and the deposit information. (Step ⑤, ⑥) Receive registration authority will be granted differently according to the destination of goods. In other words, when using the Pick Up Center, the center management staff is in charge, and when using the home or office, the member himself is responsible.

At the pickup stage, if you use a pick up center such as a convenience store or a gas station The member will immediately identify the item and decide to accept or cancel (return) the item and the Center management staff will register the result. (Step ⑦) Upon cancellation (return), if you register at the Pick Up Center, receive the returned goods and register the fact of return, the price will be refunded to the customer (member). In the case of choosing a home or office as the destination of the goods, the member shall confirm the goods and register the receipt or cancellation (return). In case of cancellation (return) If the registered goods are approved for cancellation (return) upon arrival at the shopping mall, they will be refunded to the customer (member).

In the case of a refund to the customer (member), the funds can be refunded by releasing the funds to withdraw money from the member's virtual account.

Fund settlement is made up of members and The shopping center company completes payment by transferring funds from the virtual account of the virtual account management system to the shopping mall account by registering the receipt of goods by the center management staff. (Step ⑧)

Product quality is good, but e-commerce companies that are struggling to enter the market due to low customer trust due to payment guarantees or customer credit information leaks can be built on a third party transaction guarantee from a reputable institution. It became.

The system of the present invention is expected to activate electronic commerce by eliminating the risk of member purchase and anxiety caused by the leakage of personal information, and the self-establishment company builds an infrastructure that can automate the entire process from confirmation of purchase price to delivery. The cost is reduced.

In accordance with the present invention, the e-commerce company's payment confirmation procedure for goods can be drastically reduced.

Claims (2)

In the payment processing method using a virtual account management system that is connected to a partner bank and an affiliate shopping mall provider that provides a virtual account by a dedicated line to authenticate and guarantee the payment of the affiliate shopping mall company, A first step in which a customer of the affiliated shopping mall company deposits an item price into the virtual account; A second step of receiving the deposit amount and the account number from the operating system of the affiliated bank; And a third step of transmitting the customer ID of the operating system of the affiliated shopping mall company and the deposit amount to the affiliated shopping mall company by using the account number. The method of claim 1, The fourth step of being notified of the delivery confirmation by the customer who received the goods after the third step; and And a fifth step of withdrawing the deposit amount from the virtual account and transmitting the deposit amount to the affiliated shopping mall company.