KR20020092099A - System and method for paying money electric commerce - Google Patents

Abstract

PURPOSE: A system and method for a price payment in an electronic commerce is provided to supply a security for a price payment and secure information of a buyer. CONSTITUTION: A network connection unit(112) is connected to a user terminal, a financial institution server, and a commodity supplying server on an on-line, and performs an interface. A tag file memory(114) constitutes a sale information display area with respect to a commodity to be supplied, performs a creation of payment data when a payment is requested, and stores data for creating and coding data structure information with respect to the commodity. A sale information memory(115) stores payment information requested in requesting a payment and payment result information. When data for paying a price are requested, a control unit(111) controls a supply of data of the tag file memory(114). The control unit(111) controls a storage of the payment information, the payment result information, and sale information, performs a control for a payment with the financial institution server, and performs a control for transmitting the payment result to the commodity supplying server. An operator performs an update, a deletion, and a storage of data, and a transmission/receipt of confirmation information of data in an operator interface(116).

Description

Payment system and method in electronic commerce system {SYSTEM AND METHOD FOR PAYING MONEY ELECTRIC COMMERCE}

The present invention relates to payment systems and methods of payment, and more particularly to payment systems and methods of payment in an electronic commerce system.

Commerce is usually accomplished by delivering goods and paying the delivery price for the purpose of trading the goods. Such commerce has been developed to be made online through the development of communication network and the development of Internet communication, and the concept of electronic commerce has been derived. Looking at the development of such electronic commerce as follows.

Electronic commerce has been developed in the form of buying and selling goods between companies, thanks to the development of Electronic Data Interchange (EDI). These e-commerce initially developed from one-to-one or one-to-one (N) to one-to-one (N: N) trading relationships. In recent years, e-commerce has developed into a complex trading relationship of N: N. Electronic commerce is actively being conducted for a large number of unspecified buyers or between individuals. As the electronic commerce is vigorous, various kinds of products are being sold in the form of selling only specific items.

That is, as well as the basic goods, there are so many kinds of products are distributed such that there is no sale of information, education via the Internet, telemedicine, and products that cannot be distributed online. Then, the basic sales method of the goods or goods among these products will be described below with two representative examples.

First, a buyer visits a site that sells a product such as a shopping mall or a specific purchase site online, checks the price of the product and information about the product, and then orders the product online. This can be accepted by an internet shopping mall or a specific purchase site. In this way, when the purchase intention is confirmed, the payment is automatically performed at the site receiving the purchase intention or by the administrator. At this time, the payment is made by sending a credit card or Giro paper or using e-money. When the payment is made in this way, the goods are supplied and the receiver purchases the desired goods.

Another method of providing a product is to distribute it to an unspecified number of buyers by using various devices including a list of goods, such as a CD or a diskette, and the buyer having the product confirms it offline and then purchases the product online. There is a case. In this case, the procedure after the purchase of the product is the same.

Therefore, when a product is purchased as described above, the user informs the site that provides the product of various information such as a destination for receiving the product, details of the product to be purchased, and credit card information of the buyer. This is also a feature of electronic commerce.

However, there is a possibility that the information may be forged or altered by a person having an impure purpose. This is because the information in the above description is almost defenseless online. In addition, there is almost no way to protect the user's information when hacking the site for impure purposes. Therefore, the leakage of personal information in electronic commerce is intensifying and becoming a social problem. In addition, when the payment is made online, the payment is made on the Internet, and there is a risk that the buyer and the supplier of the product can be seriously damaged if the information is forged or altered by a person with impure intention.

Accordingly, an object of the present invention is to provide a system and method that can provide security when payment is made in an electronic commerce system.

Another object of the present invention is to provide a system and method capable of maintaining security of information of a buyer in an electronic commerce system.

It is still another object of the present invention to provide a system and method capable of maintaining security of a buyer's information and a database stored in a site in an electronic commerce system.

The system according to an embodiment of the present invention for achieving the above objects is a system for providing data and payment processing for payment in electronic commerce, the data is connected to the user terminal, the financial institution server and the product providing server online A tag file for generating payment data upon payment request by configuring a network connection unit for performing an interface of the product and a sales information display area for a product to be provided, and storing data for generation and encryption of data structure information on the product. A memory, a sales information memory for storing payment information and payment result information required for a payment request, and controlling the provision of data in the tag file memory when a data request is made for payment, and the payment request information and payment result for a payment request. Control the storage of the sales information, and the information with the financial institution server. And a control unit for performing control for payment and controlling to transmit the payment result to the product providing server.

In addition, the method according to an embodiment of the present invention for achieving the above object, the data for payment in electronic commerce in a system that can be connected to the product providing server, the financial institution server and a plurality of user terminals using a communication device A method of providing and payment processing, comprising: configuring a display area of sales information for a product to be provided when requesting payment information from the product providing server, generating payment data when requesting payment, generating data structure information about the product, and A first process of providing tag data for encryption, and a second process of requesting a payment processing to a financial institution server when receiving a payment by the tag data, receiving and storing the result data of the payment, and informing the product providing server It is characterized by consisting of a process.

1 is a configuration diagram of a schematic connection for explaining a payment processing procedure in an electronic commerce system according to the present invention;

2 is a block diagram of a security providing server according to an embodiment of the present invention;

3 is a view showing an example of contents posted for sale in an electronic mail or distribution CD or server in the product providing server 20 according to an embodiment of the present invention,

4 is a diagram illustrating an example of information included in a tag file provided corresponding to a sales information display area according to the present invention;

5 is a control flowchart when viewing and paying a sales file having security tag information according to an exemplary embodiment of the present invention;

FIG. 6 is a diagram illustrating an example of a screen displayed to input details required for payment to a user when a purchase of goods is required according to an embodiment of the present disclosure;

7 is a view showing the configuration of a tag file consisting of payment information according to a preferred embodiment of the present invention;

8A to 8B are flowcharts illustrating a process of providing encryption information and a tag file and receiving payment information and processing according to a security providing server according to an exemplary embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First of all, in adding reference numerals to the components of each drawing, it should be noted that the same reference numerals have the same reference numerals as much as possible even if displayed on different drawings.

In addition, in the following description, there are many specific matters such as the configuration of a specific circuit, which are provided to help a more general understanding of the present invention, and the present invention may be practiced without these specific matters. It will be self-evident to those of ordinary knowledge. In the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a schematic diagram of a connection for explaining a payment processing procedure in an electronic commerce system according to the present invention. Hereinafter, a process of performing payment in an electronic commerce system and an operation of each system will be described in detail with reference to FIG. 1.

First, the security providing server 100 performs the payment of the product according to the present invention, and provides the result. In addition, the security providing server 100 provides information necessary for payment of goods, for example, encryption information and information for composing various data necessary for payment to the product providing server 20 which is a product supplier. In addition, according to the present invention, the security providing server 100 provides viewer information to each purchaser or product providers to show buyers of the product at the time of purchase. When the payment request is made, the security providing server 100 provides the financial institution server 30 with information necessary for financial settlement, receives the payment result, and delivers the result to the buyer terminal and the product providing server 20 to supply the product. Informs the result of the sale. Trading of the product is an embodiment of the present invention. Therefore, the payment is made even in a case other than the sale of the goods described below, and informs the corresponding server or terminal.

The connection 35 between the security providing server 100 and the financial institution server 30 may be connected through a dedicated line or a dedicated network or an internet network capable of performing data communication. In addition, the connection 25 between the security providing server 100 and the product providing server 20 may also be connected through a dedicated line or a dedicated network or an internet network capable of performing data communication. The product providing server 20 may be a server that provides a product to various sites such as a general shopping mall site or an auction or stock information trading site. Therefore, the product providing server 20 is connected to a plurality of unspecified buyers through the Internet or wired communication network through a dedicated line or a wireless communication network. In addition, the purchaser terminal 10 generally becomes a personal computer connected by wire or various terminals such as a personal digital assistant (PDA) and a mobile phone connected through a wireless network. Through this, the purchaser terminal 10 becomes a terminal capable of performing data communication. As described above, the method of connecting to the security providing server 100 also depends on the type of the purchaser terminal 10. The construction method of such a network will not be discussed in the present invention. In addition, the purchaser terminal 10 should be able to store viewer data provided according to the present invention.

When performing payment in the security providing server 100 according to the present invention can be classified as follows according to the flow of goods.

First of all, this is a case where an actual product or information, such as a shopping mall site, an auction or a securities sale, information sale, etc., is performed. As described above, when the actual goods or securities and bonds or auction or the sale of information is performed, the product providing server 20 is operated.

Second, such as alumni associations, fellowships or small groups, or electronic bill presentation & payment (EBPP). This is a case where it is difficult to see that the actual goods are sold or the goods and information are distributed on / offline.

In the first case, the payment of the payment is described. In the first case, two methods can be used for payment. First, when the seller is registered in the security providing server 100 and requests payment means every time the user logs in. Alternatively, there is a method of selling a program, a viewer, and the like for generating encrypted data and payment data in advance, such as a method of selling software. In other words, it is sold under a license agreement. At this time, the company information for purchasing the program and the viewer for generating the encrypted data and the payment data should be registered in the security providing server 100.

In this case, the payment of the actual goods and the distribution of the goods will be described. The administrator of the product providing server 20 requests the payment means to the security providing server 100 when a new product to be sold is configured. Then, the security providing server 100 provides a payment means only when authentication is performed through the product providing server 20 and the authentication process. After acquiring the payment means as described above, the product providing server 20 generates data for sale of the product by using the payment means and posts it to the product providing server 20 or posts an advertisement such as an electronic catalog or e-mail. Distributed to buyers. In the case of the electronic catalog, it may be distributed through a CD or the like. That is, it can be distributed offline. Detailed description of this process will be described in more detail with reference to the accompanying drawings.

As described above, the secured catalog or posted product information is confirmed at the purchaser terminal 10 through the purchaser's access or confirmation of mail and CD. At this time, if the purchaser intends to purchase through his terminal 10, the purchaser writes data requesting a purchase. Then, the created purchase data is transferred to the security providing server 100 according to the present invention. The security providing server 100 receives this and performs a task related to payment with the financial institution server 30. Then, when receiving payment information from the financial institution server 30 stores it, and notifies the payment result to the buyer terminal. The order information is then notified to the product providing server 20 via email or other means.

In the first method, the license agreement is made. In the case where the license agreement is made, the company providing the product performs a packing operation without online information about the product. The packed product information is then posted or distributed in the manner described above. The processing procedure is then performed as described above.

Next, we explain the process by which alumni, fellowships, small groups, or EBPPs are approved. In this case, the product providing server 20 illustrated in FIG. 1 may be a personal terminal instead of a server providing a product, or alternatively, a financial institution. That is, in the case of EBPP, it may be a financial institution, and in other cases, it may be a personal terminal or a server of the group.

In this case, the product providing server 20 logs in to the security providing server 100 and inputs a billing detail in a predetermined form. Then, the security providing server 30 packs it, generates it as a billing mail, and sends it to an e-mail address of a predetermined terminal. When the personal terminal 10 receives this request for payment of the claim, the security providing server 100 performs the payment processing through the financial institution server 30 according to the information input by the user. After receiving the data on the payment result from the financial institution server 30 stores it, and informs the result to the terminal. E-mail or the like can also be used at this time. After reporting the result as described above, the payment data is transmitted to the product providing server 20. At this time, if there is a predetermined server, such as the product providing server 20, and delivers to the server, otherwise the result is notified to the e-mail address of the requesting terminal.

2 is a block diagram of a security providing server according to a preferred embodiment of the present invention. Hereinafter, with reference to Figure 2 will be described in detail the configuration of the security providing server 100 according to the present invention and the operation of each configuration.

The controller 111 controls the overall operation of the security providing server 100 according to the present invention. Each operation performed by the control unit 111 according to the present invention will be described in detail with reference to a control flowchart to be described later. The network connection unit 112 interfaces with the product providing server 20, the financial institution server 30, and the user terminals of FIG. 1 through a predetermined network to transmit and receive data. Such a network may be various networks such as an internet network or a dedicated line network or a mobile communication network network.

The memory 113 stores various data necessary for controlling the control unit 111 and data according to an operating system. In addition, in the present invention, the memory 113, the tag file DB (Database) 114, and the sales information DB (Database) 115 are separately shown for convenience of understanding. The tag file DB 114 is used to configure the data for performing the encryption of the information of the goods sold according to the present invention and the payment information at the time of payment, the structure information of the generated data, and the like. Save the data. That is, when the product providing server 114 generates a file for sale, it generates data of a part necessary for payment of the price.

Next, an embodiment of a file generated and provided by the product providing server 20 according to the present invention will be described with reference to FIG. 3. 3 is a diagram illustrating an example of contents posted for sale in an e-mail or a distribution CD or a server in a product providing server 20 according to an embodiment of the present invention.

The file configured for the sale of a certain product may be shown to buyers as shown in FIG. 3. Reference numeral 200 is a display area on which various details can be displayed on one screen configured for the sale of goods. In the display area, an image information display area 210 for displaying information on the merchandise on sale is formed at a predetermined position. In addition, the display area 200 includes a text information display area 220 for displaying information of goods in text. This may be configured to display voice information in addition to text information. In addition, according to the present invention is provided with a sales information display area 230 for generating information provided at the time of sale. In addition, the sales information display area 230 displays a simple payment information in the case of the membership fee, such as alumni associations, clubs or small groups and EBPP. That is, it becomes a payment information display area.

The tag file DB 114 stores data for configuring the sales information display area 230 or data for configuring all data included in the display area 200. Through this, the product providing server 20 provides it when requested.

Then, if the data constituting the sales information display area 230 is composed of a drawing can be shown as shown in FIG. 4 is an example of information included in a tag file provided corresponding to a sales information display area according to the present invention.

The tag file includes an area for storing structure management information 310, an area for storing product information 320, an area for storing payment information 330, an area for storing product purchase information 340, and a seller. And an area for storing the information 350, an area for storing the delivery information 360, and an area for storing the data verification information 370. If necessary, the storage areas may be further provided or configured to be provided less than the details shown.

Then, when the goods sale information is composed of a single file such as an e-mail, it may be shown in Table 1 below.

Kinds Contents Header Sender information, recipient information,… Contents Encrypted Product History tag Encrypted Tag Information

Table 1 shows an example of a file composed of an e-mail according to the present invention. In the header, sender information, receiver information, and the like are input. In addition, as shown in FIG. 3, the data of the image information display area 210 of the display area 200, the data of the text information display area 220, and the respective areas 200, 210, 220, and 230 are shown. The constituent data is encrypted. The data of the sales information display area 230 shown in FIG. 3 is encrypted and stored in the tag as shown in FIG. 4. In this way, the product providing server 20 constructs a file and provides it by e-mail or posts it on the product providing server 20 or distributes it using a distribution CD.

This will be described again with reference to FIG. 2.

The sales information DB 115 is an area for storing data according to sales details of a product. That is, when the purchase request data is received from the purchaser terminal 10, the payment request is made to the financial institution server 30, and when the payment is normally completed, the memory area stores the payment request data.

The operator interface 116 connects with an operator of the security providing server 100 according to the present invention to perform interfacing. Therefore, an operator terminal may be connected or an input device such as a keyboard or a mouse may be directly connected. The graphic processor 117 converts the details processed by the security providing server 100 into graphic data and outputs the graphic data to the monitor. Through this, the operator checks the process processed by the security providing server 100 or grasps the state of the security providing server 100.

FIG. 5 is a control flowchart of reading and paying a sales file having security tag information according to an exemplary embodiment of the present invention. Hereinafter, referring to FIGS. 1 to 5, a process of reading a sales file having a security tag file information and a payment process according to the present invention will be described in detail. In addition, in the following description, a file is received by a user terminal through an e-mail or a distribution CD, and a method of checking and performing the same will be described.

The sales information file requests confirmation of user authority in step 400 when a read request is received from the user terminal. That is, a process for checking whether a user is allowed to view a file through a general login screen or the like. If the user inputs data, the process proceeds to step 402 to check whether the user is allowed to read. Such data may be configured using the data verification information 370 shown in FIG. 4 among the tags of Table 1 or through a separate data area. As a result of checking the data input by the user, if the user is allowed to read, the process proceeds to step 406; otherwise, the process proceeds to step 404 to display an error.

Steps 400, 402 and 404 may be configured to perform this only when security is required for the document or file. In other words, when security is not required, it may be configured to proceed directly to step 406 without configuring the above-described steps.

When the merchandise sales file can be read, the encrypted information is displayed on the display area 200 by decrypting it as shown in FIG. 3. This is performed in a processor of the user terminal. In this case, the key is received according to the user's key input and the display is changed. The change of the display and the reception of the key are generally control processes performed in the user terminal and thus will not be described in detail. In this way, the process proceeds to step 410 in which the display and the key reception are performed. That is, it is checked whether the sales information display area 230 of FIG. 3 is selected. If payment is required as a result of the test, the process proceeds to step 414; If the end of the inspection file is required, the opening of the file is terminated. However, if the end of the file is not required, continue with step 408.

If the check result of the check in step 410 is requested, and proceeds to step 414, the payment file is displayed as shown in FIG. 6 by using the payment information using data as shown in FIG. FIG. 6 is a diagram illustrating an example of a screen displayed to input details required for payment to a user when a purchase of goods is required according to an embodiment of the present disclosure. The information input for the purchase is a user name, a social security number, and information such as the issuer, purchase price, product name, expiration date, etc. are entered, and payment information is entered at the same time. Payment information is entered into the credit card information when using the card, if the passbook is a variety of information according to the receipt of the passbook.

When the file is a security-required file, that is, configured to be accessible only to a specific user, the user information among the details shown in FIG. 6 may be configured to automatically display the details stored in the file. In other words, if the file is only viewable by the user, the file may be automatically displayed because the user's information is encrypted and stored in the file. Alternatively, even when encryption is set, the user information may be configured to be described. When the user information is not stored, the user information may be inputted through a key input in the user information area of FIG. 6.

In addition, the product information may be configured using the product information stored in the tag file. Therefore, in the case of product information, the user may be configured and illustrated in advance without directly inputting it. In addition to these matters, it is also possible to configure various additional details such as usage purposes, and in this case, a configuration change of the tag file shown in FIG. 4 may be required. If all of the payment information is described, the file proceeds to step 414 and the user terminal requests that the payment information is encrypted through a predetermined encryption method. An example of data in which purchase information is encrypted as shown in FIG. 7 is shown. 7 is a diagram illustrating a configuration of a tag file composed of payment information according to a preferred embodiment of the present invention. First, the tag file of the payment information will be described with reference to FIG. 7.

The payment information tag file 500 includes a structure management information 510 area, a billing history 520 area, a payment information 530 area, a claimant information 540, and data verification information 550. If the file of the payment information configured in this way is shown in a table, it may be shown as in <Table 2>.

Kinds Contents Header Sender (buyer) information, receiver (security provision server) information, product provision server information… Contents Encrypted Product History tag Encrypted Tag Information

As shown in Table 2, the header displays the information of the buyer, the information of the receiver, and the information of the product providing server. However, the information of the product providing server may be configured to be included in the contents. In addition, when there is no special content in the above configuration, it may be configured so as not to leave the area of the content. When the file is generated, the configuration information of the payment information can be selectively selected by placing information on the configuration in advance.

As described above, if the payment information is encrypted, the merchandise sales file requests online access in step 416. At this time, the online connection is to request a connection with the security providing server 100. Thereafter, the process proceeds to step 418 to check whether the connection with the security providing server 100 was successful. If the connection is successful, the process proceeds to step 422, and if not, proceeds to step 420. If the connection fails, in step 420, an error message according to the failure is displayed. In addition, if the connection is successful, the flow proceeds to step 422 to transmit the payment information and ends the routine. At this time, after transmitting the payment information, it may be configured to wait until receiving the result data, and then receive and terminate the result data. This is optional for configuration.

8A to 8B are control flow charts at the time of providing encryption information and a tag file and receiving payment information and processing according to a security providing server according to an exemplary embodiment of the present invention. Hereinafter, a process performed by the security providing server 100 according to the present invention will be described in detail with reference to FIGS. 1 to 8A and 8B.

The control unit 111 of the security providing server 100 maintains the standby state in step 600. This waiting state is a general term for waiting for a connection of another computer, waiting for payment information or request for an encrypted file, or waiting for an operator's connection. If a predetermined signal is received while maintaining the standby state, the controller 111 proceeds to step 602 and checks whether the payment information is received. If the payment result is received, the process proceeds to step 630, otherwise proceeds to step 604. In step 604, the control unit 111 checks whether the received signal is a signal required by the encryption generation data. If the encryption result data is requested, the process proceeds to step 608; otherwise, the process proceeds to step 706 to perform the corresponding function. This control flowchart is only for explaining the case where encryption generation data is required and the case where payment information is received. Therefore, description of other operations is omitted.

In step 608, the control unit 111 generates data of login and new subscription information and transfers the generated data to the terminal or server that has requested the encryption generation data through the network connection unit 112. Thereafter, the process proceeds to step 610 to check whether login data is received. If the log-in data is received as a result of the test, the process proceeds to step 616; otherwise, the process proceeds to step 612. If the login data is not received, the process proceeds to step 612 to check whether the data according to the new subscription is received. If a signal according to the new subscription is received as a result of the test, the process proceeds to step 614 to process the new subscription.

When the login data is received, the process proceeds to step 618 and the login data is checked. In step 618, the subscriber checks whether the subscriber is a normal subscriber. Here, "normal subscriber" refers to a subscriber whose ID exists and whose password exactly matches. In case of such a normal subscriber, the process proceeds to step 622; otherwise, the process proceeds to step 620 and an error message is output. In step 622, the control unit 111 reads out the requested data from the data stored in the tag file DB 114 and delivers the requested data to the requesting terminal or server through the network connection unit 112.

In contrast, when the payment information is received in step 602, the control unit 111 proceeds to step 630 to check the payment information. In this case, the payment information is inspected by the financial institution server that has requested the user's confirmation and payment. After checking the details, the data required for payment is generated and the process proceeds to step 622 to request payment to the financial institution server using the data necessary for the payment through the network connection unit 112. Thereafter, the control unit 111 proceeds to step 624 to check whether payment approval information is received from the corresponding financial institution server through the network connection unit 112. When the approval result of the inspection is received, that is, when the processing is normally performed, the process proceeds to step 636; otherwise, the process proceeds to step 640.

First, if it is not normally received, the control unit 111 proceeds to step 640 to check whether the payment failure information has been received. In step 642, if the payment failure information is received, the process proceeds to step 634. That is, the routine is continued until a predetermined signal is received from the financial institution server. In this case, a timer may be configured to perform error processing when there is no response for a predetermined time. If the payment fails in step 640 and proceeds to step 642, the control unit 111 stores the result data in the sales information DB 115 and transmits the result of the payment to the corresponding terminal through the network connection unit 112. To pass.

If the terminal does not check the payment request file in the connected state when it is transmitted to the terminal, that is, when the terminal transmits the payment request signal, the terminal is online or when the terminal is offline. Create and deliver it to the terminal. However, it can be configured to deliver the results directly when online. It can also be configured to deliver result data via e-mail even when online.

In addition, when the payment result approval information of step 634 is received, the process proceeds to step 636 and stores the payment result data in the sales information DB 115, and generates the e-mail again to generate the payment result in the network connection unit 112. Transfer to the terminal through. The report of the result of the payment can be made by using e-mail as described above or can be configured to be immediately checked online. This is a problem with the implementation of the program, so there is no special limitation. If the payment is successful, the controller 111 transmits the product information and the payment result data on the file on which the payment was made to the corresponding product providing server. In this way, when the payment information is delivered to the product providing server, an e-mail can be used. Alternative arrangements may be used. In this case, the transmitted data is encrypted data.

In FIG. 8A to FIG. 8B, the description has been focused on the case where the product is provided by the server selling the product. That is, the case where the data is required for the encryption generation in the product providing server 20 and the case where the payment of the product is made through this have been described. Except for the case where the encrypted data is sold through a program sale or the like at the time of encryption generation, the process of making the payment is the same, and thus a special description thereof will be omitted.

However, the payment process in general alumni, fellowships, small groups, and EBPP is not the sale of goods. At this time, the product providing server 20 may not exist. In this case, therefore, it can be configured to notify the user through an e-mail service. In addition to the electronic mail, it may be configured to access and check the security providing server 100 through a user authentication process. In this case, the security provision server 100 may be configured to perform an e-mail for sending a bill. In addition, the security providing server 100 may be configured to confirm the e-mail address of the representative who performs the payment, without informing the product providing server of the result of the payment.

As described above, only those who can view the information traded in the e-commerce system can be viewed, and security is established and distributed at the time of payment. There is an advantage to this.

Claims (11)

In the data providing and payment processing system for payment in electronic commerce, A network connection unit which accesses a user terminal, a financial institution server, and a product providing server online to perform data interface; A tag file memory configured to generate sales data upon payment request by configuring a sales information display area for a product to be provided, and to store data for generation and encryption of data structure information about the product; Sales information memory for storing the payment information and payment result information required when the payment request; Controls the provision of data in the tag file memory when requesting data for payment, controls the storage of payment request information and payment result information upon payment request, and controls the payment with the financial institution server. And at least a control unit for controlling to transmit the payment result to the product providing server. The system of claim 1, wherein the system is The payment system in the electronic commerce system, characterized in that it further comprises an operator interface for accessing the operator to update, delete, store and transmit and receive data confirmation information. In the method of providing data and payment processing for payment at the time of electronic commerce in a system that can be connected to a product providing server, a financial institution server and a plurality of user terminals using a communication device, Comprising a display area of the sales information for the product to be provided when the payment information request from the product providing server, and generates the payment data when the payment request, and provides tag data for the generation and encryption of data structure information about the product First course, When the payment is requested by the tag data, the payment process is performed in a second process of requesting the payment processing to the financial institution server, receiving and storing the result data about the payment, and informing the product providing server. Way. The method of claim 3, wherein the first process comprises: A first step of confirming whether a normal subscriber is required when payment information is requested from the product providing server; If the check result is a normal subscriber, the payment method in the electronic commerce system, characterized in that the second step of providing the tag data. According to claim 3 or 4, wherein the second process, A third step of requesting a payment to a financial institution server requiring the payment when the payment is requested by the tag data; A fourth step of storing the payment result when the payment approval information is received from the financial institution server and transferring the payment result to the terminal requesting the payment; The payment method in the electronic commerce system, characterized in that the fifth step of delivering the information reporting the payment result to the product providing server. The method of claim 5, The payment method of the electronic commerce system, characterized in that it further comprises a sixth step of storing the information about the payment failure when receiving information about the payment failure from the financial institution server and transmitting it to the user terminal. In the data providing and payment processing system for payment in electronic commerce, A network connection unit which connects to a user terminal, a predetermined server, and a financial institution server online to perform data interface; A tag file memory configured to configure a payment information display area to generate payment data upon request for payment, and to store data for generation and encryption of structure information of the data requiring payment; Payment information memory for storing the payment information and payment result information required when the payment request; Controls the provision of data in the tag file memory when requesting data for payment, controls the storage of payment information and payment request information and payment result information upon payment request, and performs control for payment with the financial institution server. And at least a control unit for controlling to transfer the payment result to the address of the server stored in the file for which the payment is requested. The system of claim 7, wherein the system is The payment system in the electronic commerce system, characterized in that it further comprises an operator interface for accessing the operator to update, delete, store and transmit and receive data confirmation information. In the payment processing method for displaying the electronic transaction information, the payment information display area is configured, has a structure of the data of the display information, the data is encrypted, Verifying readability by checking the user's authority when a read request is made; Decoding and displaying the electronic transaction information and payment information display area of the encrypted data when the reading is possible; When the payment is required, the payment information is generated, the payment method in the e-commerce system, characterized in that the process of encrypting and transmitting the generated payment information by connecting to the security information server. The method of claim 9, wherein the data structure of the display information, An area for structure management, an area for storing product information, an area for payment, an area for purchasing a product, an area for storing information of a seller, an area for storing delivery information, and an area for storing delivery information And, the payment method in the electronic commerce system, characterized in that consists of the area for verifying the data. The method according to claim 9 or 10, wherein the generated payment information, A payment method in an electronic commerce system, comprising a structure management information area, a claim information area, a payment information area, a claimant information area, and a data verification information area.