KR20020081631A - goods price settlement details gateway system using virtual accounts - Google Patents

Abstract

PURPOSE: A payment specification notifying gateway system is provided to definitely classify payment specifications processed via a plurality of virtual bank accounts, and to transmit a payment specification to a corresponding seller so that the seller can make a real time check of a payment from a buyer. CONSTITUTION: The system comprises steps of a seller transmitting a request of opening virtual accounts of specific banks to a gateway(S1), the gateway transmitting the request of opening the virtual accounts to corresponding banks, and receiving the virtual accounts from the banks(S2), the gateway transmitting the received virtual accounts to the seller(S4), a buyer searching for a desired commodity in commodity information offered by the seller(S5), the buyer selecting a commodity to be purchased(S6), the seller storing a payment amount and an ID of the buyer at a database, and displaying the virtual accounts(S7), the buyer making a payment for the commodity by using one virtual account(S8), a bank, corresponding to the virtual bank, processing the payment and depositing the payment money at the virtual account(S9, S10), the bank transmitting the payment specification, for example, an account number, a payment amount, a payment date or an ID, to the gateway(S11), the gateway determining which seller is related to the transmitted payment specification(S12), the gateway transmitting the payment specification to a corresponding seller via an SMS(S13), the seller checking the payment specification and transmitting a payment completion message to a corresponding buyer via an SMS(S14, S15), and the seller transmitting a delivery order to a delivery service provider(S16).

Description

Product price settlement details gateway system using virtual accounts}

The present invention relates to a product payment settlement gateway system using a bank virtual account.

In particular, when the purchase price of the buyer's purchases are settled through a predetermined bank and deposited into the seller's account, the buyer can check whether the purchaser's payment of the goods in real time by recognizing the payment details sent from the bank to the seller. To one gateway system.

Recently, with the development of Internet technology and the spread of personal computers, the population of e-commerce is increasing rapidly. Therefore, the amount of transmission of payment information for payment of goods is also increasing rapidly.

Although payment is now made from buyer to seller using a virtual account, it is possible to pay for goods through only one bank, and it is linked to multiple banks collectively, so that buyers pay through multiple banks. There is no known system that makes it possible to conveniently use multiple banks by processing information and sending payment information to a relevant seller for verification.

Therefore, the present invention was devised to solve the above-mentioned conventional problems, and an object of the present invention is to accurately classify payments for goods processed through a plurality of bank virtual accounts, so that they can be recognized and transmitted to the seller. It is to provide a gateway system for payment of goods payment using a bank virtual account.

In order to achieve the above object, the product payment settlement gateway system using the virtual bank account of the present invention includes a first step in which a seller receives and manages a plurality of virtual accounts from a gateway; When a buyer accesses the e-commerce system through various communication means and searches for various product information provided by the seller and decides to purchase a predetermined product, the seller stores and manages the purchase price and ID of the buyer in his database. A second step of displaying a predetermined virtual account among virtual accounts received from the gateway for the buyer to pay for the goods; A third step of the purchaser paying the product price through the virtual account indicated by the seller; A fourth step of processing the payment history of the buyer in the bank and depositing the payment to the seller; A fifth step of transmitting, by the bank, the payment details (virtual account number, payment amount, payment date, identification code, etc.) of the purchaser's payment for the payment to the seller to the gateway system; Based on the payment history sent from the bank, it recognizes which seller the virtual account for which the product price has been settled is the virtual account assigned to the seller, and transmits the payment history processed by the bank to the seller, and uses SMS to confirm the payment. A sixth step of transmitting; A seventh step in which the seller checks whether the price of the goods sold to the specific buyer is paid and informs the buyer by using the SMS that the payment is completed; And an eighth step of delivering the goods to the buyer through the deliverer.

In addition, the goods payment history gateway system using the bank virtual account of the present invention buyers to purchase goods and pay the goods price; A seller to provide product information, manage a plurality of virtual accounts, and display a virtual account for payment to enable the purchaser to pay for the product; A bank that opens the virtual account and handles a purchaser's payment for goods; Save and manage the virtual account received from the bank and at the same time grants the virtual account to the seller, and recognizes the seller based on the payment history of the buyer sent from a plurality of different banks and notifies the seller in real time Characterized in that the gateway system is configured to check.

In addition, the product payment history gateway system using the bank virtual account of the present invention is a system in which a buyer who purchases a product to pay for the goods through a virtual account presented by the seller, a plurality of different banks at the request of the seller Virtual accounts are given, the virtual accounts are re-granted to the requesting seller, and the payment history and payment confirmation message from the bank which the buyer pays are transmitted to the identified seller using the seller identification code.

1 is a flowchart illustrating an operation of an electronic commerce system to which a payment system for payment for goods using a virtual bank account according to an embodiment of the present invention is applied.

2 is a configuration diagram of an electronic commerce system to which a payment gateway system for payment of goods using a virtual bank account according to an embodiment of the present invention is applied.

3 is a program configuration diagram stored in the gateway system of the present invention.

4 is a flowchart illustrating an operation of a product payment settlement gateway system using a bank virtual account according to an exemplary embodiment of the present invention.

Explanation of symbols on the main parts of the drawings

1 ------ Buyer 2 ------ Seller

3 ------ Gateway System 4 ------ Bank

5 ------ Shipper

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a flowchart illustrating an operation of an electronic commerce system to which a gateway payment system is applied according to an embodiment of the present invention. FIG. 2 is a flowchart illustrating a payment of goods using a bank virtual account according to an embodiment of the present invention. 3 is a diagram illustrating a program stored in the gateway system of the present invention.

As shown in FIG. 1, the electronic commerce system to which the gateway system of the present invention is applied includes a plurality of buyers 1 assigned with a unique ID to search for product information provided by an e-commerce company and to select a product to purchase. And store and manage various product information, and are connected to the plurality of buyers 1 through wired / wireless internet and various communication means to display product information according to the request of the buyer 1 and to purchase the buyer 1 at the same time. A plurality of sellers 2 configured with unique IDs are configured to store and manage information (e.g., buyer ID, purchased goods, and price of purchased goods).

The electronic commerce system to which the gateway system of the present invention is applied may also search for product information provided by the seller 2 and pay the purchase price (purchase) of the purchaser 1 through a bank virtual account provided by the seller. A plurality of banks 4 which collectively open and manage virtual accounts and real accounts of the buyer 1 and the seller 2 are collectively configured as possible.

The seller 2 is connected with a plurality of deliverers 5 for delivering the purchased goods of the buyer 1 through its shopping mall.

The present invention also provides a gateway system (3), which is connected to the seller (2) via wired and wireless Internet, and is connected to a plurality of banks (4) through a dedicated line, respectively, to give the seller a virtual account secured for each bank without overlapping. This is made up.

As shown in FIG. 2, the gateway system 3 of the present invention is connected to a plurality of different banks, re-issues a virtual account received from these banks to the seller, and transfers the payment details transmitted from the bank to the corresponding seller. Perform the function of sending. That is, for example, if the seller 1 wants to receive a plurality of virtual accounts from the bank 1, the gateway system 3 applies for the virtual account grant to the bank 1, and transfers the virtual account of the bank 1 to the seller 1 for management. To do that. At this time, the virtual accounts of the bank 1, the bank 2 and the bank 3 granted to the seller 1, the seller 2 and the seller 3 do not overlap each other. That is, when the bank 1 virtual accounts are assigned to sellers 1, 2, and 3 respectively, they do not overlap, and in this manner, the bank 2 and bank 3 virtual accounts are not overlapped with sellers 1, 2, and 3, respectively. will be. The virtual accounts of each bank thus granted are stored and managed in the gateway system 3.

That is, as shown in Figure 3, the gateway system 3 of the present invention is a buyer / seller management program 31 for managing the unique ID and personal information of the buyer (1) and seller (2), the seller (2) Virtual account application / transmission program 32 for receiving and transmitting a virtual account of a given bank from the bank 4 according to the request of the bank, and a virtual account management program 33 for storing and managing the virtual account assigned to the seller 2. ) And payment details (for example, virtual account number, payment amount and payment) received from the predetermined bank when the purchase price of the purchaser of the purchaser 1 is settled through the predetermined bank virtual account and deposited to the seller 2. Date and identification code, etc.) and the seller recognition program 34 that recognizes the seller, and the product payment information received from the bank is classified and sent by the seller, and a short message to notify the seller 2 that the payment is completed. Support services to save the transfer program (35) to perform (SMS Short Message Service) and.

4 is a flowchart illustrating an operation of a product payment settlement gateway system using a virtual bank account according to an embodiment of the present invention.

First, when the seller 2 requests the gateway system 3 to be given a virtual bank (no more than one) virtual account (step S1), the gateway system 3 requests the specific bank according to the request. After a plurality of virtual accounts have been given (step S2), they are sent to the seller 2 who applied for them (step S3) to be managed (step S4).

In such a state, an Internet user (referred to as the purchaser 1 for convenience) accesses the electronic commerce system through various communication means such as wired and wireless terminals, searches for various product information provided by the seller (step S5), and selects a predetermined product. If the user decides to make a purchase (step S6), the seller 2 stores and manages the purchase price and ID of the purchaser 1 in his database, and at the same time, the virtual account received from the bank 1 for the purchaser 1 to pay for the product. The predetermined virtual account is displayed (step S7). At this time, the seller (2) is the virtual account received from the bank 2 or the bank 3 through the gateway system (3) while the virtual account has been granted from the bank 1, the bank 2 and the bank 3 through the gateway system (3). Although it may be displayed, it is assumed that the virtual account granted from the bank 1 is displayed through the gateway system 3 for convenience of description.

When the purchaser 1 pays the product price through the virtual account of the bank 1 indicated by the seller 2 (step S8), the payment history of the buyer 1 is processed by the bank 1 (step S9) and the seller 2 ) Is deposited (step S10). At the same time, the payment details of the purchaser's payment for the goods deposited to the seller 2, for example, a virtual account number, a payment amount, a payment date and an identification code are transmitted from the bank 1 to the gateway system 3 (step S11).

Accordingly, the gateway system 3 recognizes, through the seller recognition program 34, which seller 2 the virtual account to which the product price is processed based on the payment history transmitted from the bank 1 is the virtual account assigned to the seller 2. Subsequently (step S12), the payment details processed by the bank 1 are transmitted to the seller, and a payment confirmation message is transmitted using SMS (step S13).

Therefore, the seller 2 confirms the payment of the price of the goods sold to the specific buyer (step S14) and informs the buyer 1 that the payment has been completed by using the SMS (step S15). At the same time, the seller 2 notifies the shipper 5 and measures to deliver the goods to the buyer 1 (step S16).

Although the present invention has been described with reference to specific embodiments, the present invention is not limited thereto, and modifications and variations can be made without departing from the scope of the technical idea of the present invention.

That is, in the above-described embodiment, the seller identification based on the payment history sent from the bank is performed by using the virtual account. For example, the seller is identified using the identification code, and the payment history and The SMS may be configured to be sent to the seller. With this configuration, the virtual account manager 33 will be unnecessary in the gateway system 3.

As described above, according to the product payment settlement gateway system using the virtual bank account of the present invention, there are advantages as follows.

First, when depositing a bank account to a merchant account opened in a plurality of banks, it is possible to check the result of the deposit of goods.

Second, even if the buyer's name entered at the time of payment of the purchase price is the same or the buyer's name is entered incorrectly, the seller and the buyer can be confused by confirming the seller and the buyer based on the payment history of the goods paid through the virtual account displayed to the buyer. Can be prevented.

Third, it is possible to reduce the product delivery time in connection with the present invention delivery system.

Fourth, the present invention can obtain a real-time account opening effect when applied to game companies.

Claims (3)

A first step of the seller receiving and managing a plurality of virtual accounts from the gateway; When a buyer accesses the e-commerce system through various communication means and searches for various product information provided by the seller and decides to purchase a predetermined product, the seller stores and manages the purchase price and ID of the buyer in his database. A second step of displaying a predetermined virtual account among virtual accounts received from the gateway for the buyer to pay for the goods; A third step of the purchaser paying the product price through the virtual account indicated by the seller; A fourth step of processing the payment history of the buyer in the bank and depositing the payment to the seller; A fifth step of transmitting, by the bank, the payment details (virtual account number, payment amount, payment date, identification code, etc.) of the purchaser's payment for the payment to the seller to the gateway system; Based on the payment history sent from the bank, it recognizes which seller the virtual account for which the product price has been settled is a virtual account, and transmits the payment history processed by the bank to the seller, and uses SMS to confirm the payment. A sixth step of transmitting; A seventh step in which the seller checks the payment of the price of the goods sold to the specific buyer and informs the buyer by using the SMS that the payment is completed; And Product payment gateway system using a virtual bank account, characterized in that consisting of the eighth step of delivering the goods to the buyer via the forwarder. Buyers who purchase goods and pay for goods; A seller providing product information, receiving and managing a plurality of bank virtual accounts, and displaying a virtual account for payment so that the purchaser can pay for the goods; A bank that opens the virtual account and handles a purchaser's payment for goods; Grant and store the virtual account granted from the bank to the seller, re-grant it to the seller, and notify the seller based on the buyer's payment history transmitted from a plurality of different banks, thereby allowing the seller to process the product price in real time. Product gateway payment history gateway system using a virtual bank account, characterized in that the gateway system configured to check. In a system in which a buyer who purchases a product pays for the product through a virtual account presented by the seller, Receive a plurality of virtual accounts from different banks at the seller's request, re-grant these virtual accounts to the seller who requested them, and identify the payment history and payment confirmation message at the bank where the buyer paid Gateway system, characterized in that the transmission to the seller.