KR20020071144A - Using bank account for delay paymemt, payment system and method - Google Patents

Abstract

PURPOSE: A payment system and method is provided to enable a buyer to place a purchase order and at the same time, make payment by using a transfer from a buyer's account to a seller's account, a payment postponement account from which the seller can not withdraw a money for a period so that it makes it easy for the buyer to request a repayment, a settlement or a payment suspension in a case that a delivered commodity or a service is abnormal. CONSTITUTION: The method comprises steps of a buyer searching for a desired commodity in an electronic commerce site, transmitting a purchase order for a searched commodity to the electronic commerce site, and making payment for the purchased commodity(401), the site displaying order specifications and offering a web window for enabling the buyer to input the buyer data, delivery destination data and a payment method(402), a buyer terminal transmitting the buyer data, the destination data and seller data to an account payment server if the buyer selects an account payment method(403), the account payment server extracting the name of the site and an account number, and transmitting a web page for inputting a buyer ID and an account secret number to the buyer terminal(404), the buyer inputting the buyer ID and the account secret number on the web page, and the account payment server checking a balance of the account(405), the account payment server transferring the purchase price from the buyer account to the electronic commerce site account which is a payment postponement account(406), the account payment server transmitting an account transfer process result to the buyer terminal(407), the account payment server transmitting ordered data to the site(408), the buyer requesting a repayment to the account payment server if a delivered commodity is abnormal(410), the account payment server requesting detailed data to the site(411), the site transmitting the requested detailed data to the account payment server(412), the account payment server taking a repayment, a settlement or a payment suspension based on the collected data(413), and the account payment server transmitting a taken action to the buyer via an e-mail(414).

Description

Using bank account for delay paymemt, payment system and method}

The present invention relates to a payment method and a system for payment of goods and services purchased in an electronic commerce, and in particular, the invention has invented a payment method that is convenient to use with a focus on protecting the rights of buyers.

Recently emerging as an important element of electronic commerce is the Electronic Payment System (Electronic Payment System). The essence of commerce is the exchange between any goods or services and their corresponding economic value. Therefore, providing exchangeable economic value on the Internet is an important factor in the activation of electronic commerce.

Electronic payment systems implemented on the conventional Internet can be divided into four categories. First, the electronic cash system, which is considered to be the ideal payment method in cyberspace, the Internet credit card payment system that implements the credit card transaction on the Internet, the electronic check system that implements the check which is one of the check payment methods on the Internet, Finally, there are electronic funds transfers using cyberbanks on the Internet, though not purely for electronic payments.

The current payment method for goods and services in electronic commerce is a method of purchasing goods by paying the seller to the payment system described above at the same time as the order. It confirms the deposit of the goods price and sends out the goods even in the cash order.

This approach raises an inherent problem with e-commerce.

Especially with regard to product selection, the consumer wants to check quality with the five senses.

However, due to the nature of electronic commerce, it is impossible to select products using the five senses.

Therefore, buyers have a very high level of concern about product quality, except for mass-produced products or products used by buyers. There is also a concern that orders may be delayed, missing, or changed during delivery.

And domestic Internet shopping mall operators are small except for some. I have more problems. In particular, after the consumer purchases the product, problems such as bankruptcy or fraudulent sales may occur.

Therefore, these problems hamper the activation of the entire e-commerce market as well as the small Internet shopping malls.

The present invention is a method and system for providing a convenient means of payment in connection with order information while protecting the buyer as much as possible in a way to avoid the above problems.

For reference, a patent application, which is currently pending in a similar application to the present application, is outlined by subjectively making a comparison table as follows.

1) Application Number: 12-2000-0001625

Name: Third Party Warranty in Electronic Commerce

2) Application number: 10-1999-0023318

Name: Bank Account Payment System and Method for Internet Access and E-Commerce Purchase Price through Bank

3) Application Number: 10-2000-0040846

Name: Reserved cash card system for online and offline transaction protection

4) Application number: 10-2000-0029106

Name: Reserved Payment Method

5) Application Number: 10-2000-0033049

Name: E-Commerce Protection System

In addition, it is a payment system for Sakura Bank to apply for patents and to reduce the risk of both buyers and sellers. It is a system where payment is made after the receipt of goods while confirming the receipt of goods while using a temporary payment currency while freezing a part of the buyer's account. (Japanese Patent Publication 11-003387)

Item 1) Third Party Warranty 2) Bank transfer via bank 3) Payment Card concept Synchronous payment through guarantee of third party relay company Synchronous account transfer payments via bank site Payment through a cash card service provider that can withhold payment Way Relay company guarantee Bank transfer Account transfer using two accounts (reservation account, real account) through cash card Approach Buyer-> Third Party Warranty Company-> Seller Buyer-> Service Bank-> Seller-> Payment Bank-> Seller Buyer-> Seller-> Card Operation Service Bank-> Payment Bank Sign Up need Unnecessary need Payment at the time of payment seller seller buyer effect ◇ Privacy ◇ Secure Purchase and Guarantee of Refund of Purchased Product ◇ Legal Problems in Case of Quality Problems ◇ Activation of Electronic Commerce ◇ Privacy ◇ Cart based payment ◇ Portal Service ◇ Privacy protection ◇ Prevent tax evasion ◇ Guarantee safe purchase and refund of purchased products ◇ Activate e-commerce

Item 4) Reserved payment method 5) E-Commerce Protection System Payment using our Reserved Bank account concept Payment company Payment by relay system Payment by direct bank from e-commerce site Payment transfer to reserve bank account Way Buyer and Seller Joint Account Buyer's Reserved Account Seller's Reserved Deposit Approach Buyer-> Billing Company-> Seller Buyer-> Seller-> Intermediary-> Payment Bank Buyer-> (Seller, Payment Bank)-> Seller Sign Up Unnecessary need Unnecessary Payment at the time of payment Joint ownership buyer seller effect ◇ Improved e-commerce reliability ◇ Low payment cost ◇ Stable purchase of goods ◇ Secure Purchase and Purchase Refund Guarantee ◇ E-Commerce Activation ◇ Easy Payment ◇ Privacy protection ◇ Prevent tax evasion ◇ Shopping cart-based payment ◇ Secure purchase and refund of purchased products ◇ E-commerce activation ◇ Easy payment

Compared with the various patents described above, the features of the present invention are as follows.

1) This is not a credit sale. In other words, the seller receives the commodity price in his payment account at the same time as the order is received.

2) The buyer makes an order and payment to the bank, and the bank sends the order to the seller. That is, a web page that allows the purchaser, shipping address, and payment method to be provided, including shopping cart information, seller information, and shopping cart identification order information generated from the e-commerce site, is provided from the e-commerce site to the buyer's terminal. Payment is made by sending the information and input information directly to the payment bank. The bank then notifies the seller of the purchase order (order history (shopping cart order number), shipping address, and orderer).

3) Bank-specific payment reserve This is a payment method using a product account.

4) Payment process is simple, easy and reliable payment method.

The concept of the present invention is that a buyer, who owns a payment account of a bank, such as a seller, pays the product price at the same time as the order of the product, and pays the price through the transfer between accounts. In this case, the amount transferred to the seller's reserve bank account cannot be withdrawn by the seller for a certain period of time, and if the buyer raises a problem with the purchased product within that period, the buyer will be refunded through the due process. It is a way to settle and stop payment.

The technical problem of the present invention is a method and system for operating a payment-holding financial product to perform such a function and paying the product price directly from the buyer's bank account to the seller's bank account through bank transfer.

(Hereinafter, payment-holding financial instruments are referred to as 'consumer-protected deposits for electronic commerce', and payment of direct payment from the buyer's bank account to the seller's bank account is called 'bank book payment'.

The buyer applies for the bank account payment service for e-commerce to the existing bank account, and the seller applies for the 'Consumer Protection Deposit for Electronic Commerce' account. And sign a pledge to comply with the terms for consumer protection.)

In the present invention, when ordering from the e-commerce site, the order information and seller information (order identification number, account number, etc.) of the e-commerce company is transmitted to the web server of the bank passbook payment site (Site) of the buyer's bank account in the 'electronic' The purchase price is transferred to the customer protection bank account for commerce, and the order information, the delivery address information and the order identification number are transmitted to the seller of the e-commerce site.

The time when the seller can withdraw from the consumer protection account book for e-commerce can be withdrawn after the period specified in the application. Within that period, the buyer can request a refund if he / she finds a problem with the purchased goods or ask the bank to stop the withdrawal of the purchase price of the goods deposited in the consumer protection account book for electronic commerce.

The bank, which has been requested for a refund, shall proceed to the buyer's deposit account the amount of the goods paid or settled in the consumer protection deposit account for electronic commerce, which has been deposited with the goods within the minimum period through proper procedures for identifying the problem. Make a wire transfer.

This ensures the quality of the goods and services purchased by the buyer, and provides an easy means of payment.

1 shows an operating environment and a representative work flow diagram of the present invention.

2 is an example of the configuration of a banking computer system for operating the 'customer protection deposit for electronic commerce'

3 is the function of the bank account payment web server

4 is an interaction and sequential diagram between components

5 is a development view of the web page provided by the e-commerce site

Figure 6 is a development view of the web page provided by the bank account payment web server

7 is the homepage of the bank account payment server

Figure 8a is a first workflow of the present invention

Figure 8b is a second workflow of the present invention

9 is a transaction history data structure related to 'consumer protection deposit for electronic commerce' of seller

10 is a data structure of the order DB managed by the bank account payment web server

Detailed configuration and operation of the present invention for achieving the above object will be described with reference to the accompanying drawings.

First, Figure 1 is a simplified view of the operating environment configuration diagram and work flow. The e-commerce site 101 is a site (shopping mall) that holds a 'consumer protection deposit account for e-commerce', and the purchaser terminal 102 is a terminal (web browser function) held by an individual capable of paying a bank account in a general bank account. Computer or digital TV), the bank consists of a bank account payment Web server 103 of the banks that the seller opened a 'consumer protection deposit account for electronic commerce'.

A buyer (buyer terminal) retrieves and orders the goods displayed by the seller (e-commerce site) (104); Seller provides the buyer with a web screen including the seller information (order identification number, account number, etc.) and the order information, shipping information, payment type while displaying the order history (105); Step 106 of inputting information on the screen and paying the bank account to the selected bank; sending, by the bank, an order identification number, order information, and delivery address information to the seller (107); The bank notifying the buyer of the order history and the payment amount (108); If the buyer has a problem with the product, a refund and suspension request step 109; the bank notifies the seller of the problem step 110; the seller reports the cause of the problem step 111; the bank refunds or stops the buyer. The task proceeds in the order of notifying the measures such as settlement (112).

Second, Figure 2 is a configuration of a banking system that operates a consumer protection deposit for electronic commerce to help understand the present invention by identifying the logical location of the bank account payment web server and consumer protection deposit account database for electronic commerce Let's do it.

The bank account payment web server is a system that supports direct services to customers and manages data such as authentication, customers, and orders. In particular, the order DB data structure is shown in the table of FIG. Transaction transaction data structures of 'consumer protection deposits for electronic commerce' managed by the internal computer system of the bank are shown in the table of FIG. The use of the present invention shows that in addition to electronic commerce via the Internet, it can be used to pay for the commodity price by telebanking (CTI) during on-line sales.

The process is different, of course, but the method of using payment reserve accounts (accounts for consumer protection deposits for electronic commerce) is the same.

Third, Figure 3 is a functional diagram of a bank account payment web server.

The web service function 301 collects, edits, and stores various data (order information, customer information, service information, etc.) stored in a database for providing a bank account payment service to customers, and provides various web page services. The service includes a page provided by the bank web server of FIG. 6 and a homepage payment service homepage of FIG. 7.

The communication function 302 transmits and receives an e-commerce site, order information, seller information, various data, and the like, and transmits the order result to the buyer by e-mail.

The data processing function 303 retrieves the account number of the bank account that can be verified and confirmed by the buyer ID and bank account payment password, and transfers the account from the buyer bank account to the seller's 'consumer protection account for e-commerce'. The refund or settlement amount is transferred from the 'Customer Protection Bank Account for Electronic Commerce' to the buyer's bank account.

The database management function 304 stores an order database for storing, retrieving, and modifying order information, and stores the ordered information and seller information in the order database if the corresponding financial internal computing system is not operated. Batch processing of order information stored during the idle period at the time (account transfer, notification of results to seller and buyer, etc.).

The internal computer network and interface function (305) includes an internal banking computer system for checking the buyer's identity with the buyer ID and passbook payment password, searching the buyer and seller account information, transferring the account, checking the deposit and withdrawal, checking the balance, and searching the customer information. Interface.

4 is an interaction and sequential diagram between the constituent objects, FIG. 5 is a development view of a web page provided by an e-commerce site, FIG. 6 is a development view of a web page provided by a bank account payment server of the bank, and FIG. An embodiment of the present invention will be described by showing the home page and using the drawings described above at the same time.

(a) The purchaser visits the e-commerce site, searches for various goods and services (hereinafter referred to as goods), selects the desired product, puts it in the shopping cart, and when the product selection is completed, 'pay' on the displayed shopping cart webpage 501 Pressing the button (401);

(b) A web page 502 including seller information (order identification number, account number, etc.), displaying the order history, and entering order information, shipping address information, and payment type, is developed in the input field of the developed screen. Inputting information and then pressing the OK button 402;

(c) transmitting the order information, the delivery address information, and the seller information inputted when the bank account payment is selected as a payment method to the bank account web server of the selected bank (403);

(d) Bank account payment web server analyzes the received information to extract the company name, account number, etc. of the seller from the seller information, and to create a web page (601) that can enter the buyer ID and bank account payment password with the order history display Sending to the user terminal (404);

(e) Enter the buyer ID and passbook payment password, which are input items on the passbook payment web page 601, and press the 'OK' button.The passbook payment web server will request the bank's internal computer system to verify the identity and provide the buyer's account information and Retrieving the balance (405);

(f) If the balance of the buyer's money account is determined whether or not the goods can be paid and if the payment is made normally, the money transfer of the goods from the buyer's bank account to the seller's 'consumer protection account for electronic commerce' Bank account payment and storing the various data processed in connection with the order in the above step (FIG. 10) in the order DB (406);

(g) creating a web page 602 and sending the processing result to the purchaser terminal 407;

(h) notifying the seller of the order information, the delivery address information, the order identification number, and the order details (408);

(i) the electronic commerce site checking the contents received from the corresponding bank account payment web server and notifying the buyer of the schedule of sending the purchased goods (409);

(j) When a buyer finds a defect or a problem with the delivered product, he / she visits the homepage 701 of the bank account payment web server of the bank and requests for a refund or prohibition of withdrawal of the product price. At this time, the detailed description of the problem of the purchased product and submitting (410);

(k) the bank's bank account-paying web server notifying the e-commerce site about the buyer's requirements and requesting submission of data on the details of the problem (411);

(l) the e-commerce site submitting (412) clear and convincing data on the buyer's issues to the passbook website;

(m) the book payment website may take steps such as refund, settlement, and suspension of payment based on the collected data (413);

(n) notifying the purchaser by E-mail of the content determined in step 413 (414);

Interaction between components in order.

In the stages that arise due to commodity problems in the above step, the bank allows the buyer to examine the problem.

In addition, it is possible to send and receive information in real time between the e-commerce site and the bank account payment web server of the bank in XML / EDI, and to send and receive information in the e-mail method.

All messages transmitted and received in the present invention are protected by commercial security algorithms, security software, security protocols, and the like.

8A and 8B illustrate the above-described content as a workflow.

FIG. 9 is a table for explaining a data structure indicating a transaction history of a consumer protection deposit for electronic commerce in a bank.

10 is an order related table of an order database managed by a bankbook payment web server.

As described above, the effects of the present invention are described for each application.

Consumers can securely purchase the purchased products and guarantee the quality of the purchased products through guarantee of refund, and the seller pays the cash flow rate by depositing them into the reserve bank account at the same time as the seller pays the lower payment cost and sales price compared to the credit card fee. The bank can improve the profits of bank transfer fees, the profits from the storage of goods and the quality of customer service for a certain period of time, and socially promote the activation of e-commerce due to the side effects of e-commerce (fraud, bankruptcy, etc.). It reduces the obstacles and prevents tax evasion through transparent sales confirmation.

In the e-commerce site, the payment procedure based on the shopping cart is completed with a single input of the buyer ID and the passbook payment password. Therefore, it is an easy payment method. In addition, the flow of funds is clear, reducing the possibility of fraud. In other words, even if the fraud of the buyer ID or bank account payment password occurs, it is possible to respond quickly and to pinpoint the cause.

We can prevent the leakage of personal information, the biggest problem of modern people living in the information age. When purchasing goods on the e-commerce site, it is required to enter various personal information to confirm the identity of the buyer. However, if the payment of the goods by the payment method of the present invention, by confirming the identity and personal information management in the bank trust, even buyers and sellers are guaranteed a certain transaction.

In addition, the present invention provides a foundation for establishing a reliable e-commerce society early by designing and inventing not only the constituents using the present invention but also socially certain and clear benefits.

Claims (5)

In the method for operating the consumer protection deposit for electronic commerce, a payment-holding financial product whose amount paid by bank transfer as a payment method for commodities cannot be withdrawn within a certain period of time; (a) the purchaser visits the e-commerce site 101, searches for various goods and services, selects a desired product, puts it in the shopping cart, and presses the 'pay' button (401); (b) A web page 502 showing order information, shipping address information, order details, payment types, etc. is developed, information is entered in input fields of the developed screen, bank account payment is selected as a payment method, and a bank that can be traded is found. Pressing the 'OK' button, the order information and seller information (order identification number, account number) is sent to the bank account payment web server of the selected bank (402); (c) The bank account payment web server analyzes the received information, extracts the seller's company name, account number, etc. from the seller information, and prepares a web page (601) displaying items for entering the order details and the buyer ID and password. Displaying on the buyer terminal (403); (d) inputting a buyer ID and a buyer password, which are input items of the bank account payment web page 601, and pressing a confirmation button 404; (e) checking, by the bank account paying web server, the account number and balance of the buyer stored in the financial computer system (405); (f) making a bank account payment from the bank account in which the buyer's bank account can be paid to the seller's reserve account; (g) creating a bank account payment state as a web page 602 and transmitting it to the purchaser terminal 407; (h) transmitting the order identification number, order information, and delivery address information to the seller's e-commerce site web server (408); (i) the electronic commerce site checking the contents sent from the corresponding bank account payment web server and notifying the buyer to the E-mail address of the purchase goods sending schedule (409); (j) the purchaser visits the homepage 701 of the bank account payment web server of the bank and applies for prohibition of refund, settlement or withdrawal of the product price when the buyer finds a defect or a problem with the delivered purchase product (410); (k) the bank account payment web server of the bank notifying the e-commerce site about the problem of the buyer's purchases and requesting the submission of data on the details of the problem (411); (l) the e-commerce site submitting (412) clear and convincing data on the buyer's issues to the passbook website; (m) the book payment website may take steps such as refund, settlement, and suspension of payment based on the collected data (413); And (n) the bank comprising the step 414 of notifying the buyer of the outcome of the processing of the raised product problem. The method of claim 1, wherein the step (b) includes a bank account payment and a transaction bank as a payment method on an input web page 502 displaying order information, delivery address, order history, payment type, etc. provided to a buyer terminal in an e-commerce site. Selecting and pressing the OK button, the e-commerce system characterized in that the information entered from the web page 502 and the seller information (order identification number, account information) is sent to the payment bank web server of the bank. In a bank account payment web server system for operating a consumer protection deposit account for electronic commerce, a payment-holding financial product whose amount of goods paid by bank transfer as a payment method for goods is not withdrawn within a certain period of time. (a) communication means for transceiving order information and seller information with an e-commerce site; (b) means for identifying the entity of the purchaser by the purchaser ID and the passbook payment password, and retrieving the account number and bankbook balance of the deposit bank account, in which the passbook can be paid with the information; (c) a means of transferring money from a buyer's bank account to the seller's 'bank account for electronic commerce' and storing the collected order-related information in the order database; (d) means for notifying sellers and buyers of the results of purchase-related processing; (e) means for dealing with defects and problems with the goods delivered by the buyer; (f) means for transferring the refund or settlement to the buyer's bank account from the seller's 'bank account for electronic commerce'; (g) means for storing the entered order information and seller information in the order DB if the financial internal computer system is not operating and batch processing at the time of operation; And and (h) a bank account-paying web server system comprising a web service means supporting said means. The data structure representing the transaction information (Fig. 9) of the 'consumer protection deposit for electronic commerce' in which the amount paid by the wire transfer as a payment method for the commodity cannot be withdrawn within a certain period of time is account number, deposit and withdrawal time, order identification number, It consists of deposit and withdrawal account number, deposit amount, withdrawal amount, purchase progress, withdrawable amount, total amount of deposit amount, etc., and the means of claim 3 (b), claim 3 (c), claim 3 (f), A record carrier readable or writable by means of (g) of claim 3. In a bank account payment web server system for operating a consumer protection deposit account for electronic commerce, a payment-holding financial product whose amount of goods paid by bank transfer as a payment method for goods is not withdrawn within a certain period of time. The order database table structure (FIG. 10) is composed of payment request time, order identification number, seller identification number, seller company name, seller account number, sales amount, buyer account number, buyer name, order history, and order book issue. And recordable or readable by means of (c) of claim 3, (d) of claim 3, and (g) of claim 3.