KR20020095927A - Banking service providing method on the electronic commerce through the Internet - Google Patents

Abstract

PURPOSE: A method for providing a financial service of an electronic commerce through the Internet is provided to perform various electronic commerce by inquiring the estimation of a financial money such as a mileage and a cyber money acquired by person to an institution which provides a financial system and sharing information about the financial money obtained from an other company server in several company servers. CONSTITUTION: If a personal client visits a server of a financial system(S1), an authentication and relay server confirms a user information database(S2). If the confirmation process is completed, the authentication and relay server accepts a loan application through an account confirmation(S3,S4). The authentication server executes an authentication work for loan possibility(S5). The authentication server updates user information in the user information database after performing the loan(S6), and lastly confirms an account(S7). If the client buys goods in a corresponding company site through the loaned financial money, a corresponding company which cooperates with the financial system confirms user information through the database in which user information is updated(S8), and delivers corresponding goods(S11). If the acceptance of goods is confirmed to an operating server of the financial system from the personal client(S9), data are recorded from the financial system to the database and user information is updated(S10).

Description

Banking service providing method on the electronic commerce through the Internet}

The present invention relates to a financial service providing method of electronic commerce through the Internet, and more particularly, in the electronic commerce made through the Internet, the general customer receives various mileage, points, cyber money, etc. Application of e-commerce through the Internet that allows the exchange of payment information between electronic banking servers through integrity and authentication. The present invention relates to a financial service providing method.

E-commerce using the Internet is widely used in various ways, is emerging as a new business strategy for general companies, and provides the convenience that individuals do not have to spend time shopping on purpose. E-commerce using the Internet in such a convenient way is easy for the user to further improve its convenience and advantages, and the most important thing is to ensure safety and product quality in the transaction.

However, in the conventional electronic commerce, in order to manage the customer relationship in a well-organized way, the company has implemented a system of customer relationship management for each company by conducting it from the corporate side through various events and analysis of customers. By creating different environments of the company, customers are using the financial money, such as cyber money acquired from the company online or offline, when they purchase the goods, they are hampered by a small amount of service or lack of compatibility with other companies.

In addition, it is difficult to expand marketability by analyzing only the resources of local members in the corporate database, and it is impossible to expand various analyzes, expand customers, and implement high-quality differentiated services.

The individual customer is connected to the corporate customer server through the Internet, and the corporate customer server is provided with a database for storing purchase information and payment confirmation information of the individual customer.

In the conventional electronic commerce, the points acquired by the individual and the financial money information of the cyber money are all stored only in the database of the corporate customer. Therefore, the database of the other corporate client does not have information about the customer of the database. It will have a closed structure.

In other words, the financial money of cyber money provided by a company called a corporate customer from the point of view of the individual, which is a real user, is not only incompatible on the network, but also difficult to purchase a small amount of merchandise.

Next, from the point of view of corporate customers, the securing of individual customers input on the Internet is dependent on their own site promotion effects or marketing, and therefore, there is a problem in that it takes a lot of money to attract more customers.

Therefore, in the related art, as described above, it is difficult to establish a more integrated e-commerce under desired conditions from the viewpoint of the individual and the corporate customer, and there are concerns about the side effects thereof, and the problem occurs in a considerable frequency.

It is an object of the present invention that an individual obtains a financial currency, such as mileage and cyber money, obtained by an individual from a database server of each provider and requests an evaluation from an institution that provides a financial system without separately managing the financial information. The purpose of the present invention is to provide a financial service providing method of electronic commerce through the Internet that enables various electronic commerce to be performed by sharing information about financial currency acquired from the corporate server.

Another object of the present invention is to provide financial services for lending or depositing a unified financial currency to individuals by integrating financial information of various corporate databases accumulated in the individual so that reliable electronic commerce can be achieved. The present invention provides a method of providing financial services for electronic commerce through the Internet.

Another object of the present invention is to enable a company to secure a huge potential member who can recognize the differentiation and perform customer relationship management through the valuation of each other's database, and to perform various businesses against the financial system. To provide a financial service providing method of electronic commerce over the Internet.

1 is a view showing an embodiment of a financial service providing method of electronic commerce via the Internet according to the present invention.

Figure 2 is a block diagram showing the flow of the loan of the financial system according to the present invention.

※ Explanation of code about main part of drawing ※

1: Financial system 2: Electronic Funds Transfer (EFT)

3: Enterprise customer server 4: Database (DB)

5: payment relay (PG) server 6: electronic financial authentication server

Financial service providing method of electronic commerce through the Internet according to the present invention for achieving the above object, if the financial money acquisition such as cyber money from the individual customer is connected to the server of the corporate customer through the Internet, the financial money acquisition Recording information on the database of the corporate server, providing the financial money acquisition information from the corporate server to the computer network of the payment relay server 5, and transmitting the financial money acquisition information to the payment relay server. (5) recording in the database (4) of the financial system (1) and authenticating the financial money information from the buyer from the electronic financial authentication server (6) through the customer's confirmed ID and password And requesting verification of the integrity of the payment relay server 5 having the real-time resources of the corporate customer after authentication. If it is confirmed, the step of connecting to the electronic funds transfer (2) server to enable financial services to support the financial services, updating the contents of the changed financial services in the financial system (1) database (4), the electronic finance Characterized in that the step of transmitting the update result to the individual customer and the corporate server through the authentication server (6).

The financial money is the financial information, such as cyber money, mileage, points, reserves obtained by the individual customer from each corresponding company.

The financial money may be partially merged through any one or combination of payment accounts, credit cards, Mondex cards, points generated on the web.

The personal customer and the corporate customer may be registered in advance in the electronic payment authentication server and the virtual payment relay server 5 to have a user qualification.

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

1 is a view showing an embodiment of a method of providing a financial service for electronic commerce through the Internet according to the present invention, and when access is made to a corporate site through the Internet, such as a purchase of a product from an individual customer or entry into various events, Information about membership registration and activities is recorded in the database of the corporate server to generate points, mileage or cyber money from the corporate server, and accumulate such virtual reserve financial information.

At this time, through the settlement relay server 5 of the financial system 1, the heterogeneity between each site having the virtual reserve financial information is made into a standard from a plurality of sites, and the amount of the standard money thus created is withdrawn. In order to enable the loan service, the virtual electronic fund transfer 2 (EFT) or the like is converted into a method of updating the database 4 of the financial system 1.

In addition, clients (customers) who have acquired the financial currency of each company that has been converted to the standard amount can access the financial currency acquired from each company (CP) to the electronic financial certificate server through their unique authentication number and ID. When the financial accumulation information of the transferred financial money is checked with the settlement relay server 5 of the application provider (financial system 1) and the result is satisfied, the electronic fund transfer 2 (EFT) and the like are satisfied. Perform business services and update the contents in the database (4), return the financial credit information to the buyer to check whether the actual financial credit information is satisfied, and request the financial information relevant company (CP) for the accumulated amount. Done.

Therefore, companies that operate each site will have a wider and richer audience, and will be able to effectively analyze and measure customer relationship management (CRM), as well as purchase various items and consolidate the accumulated amount. Through various services will be provided.

In the financial system 1 according to the embodiment configured as described above, a specific process relating to the purchase after the loan of financial money will be described with reference to FIG.

First, when the customer visits the financial system (1) server (S1), the user information database (4) is verified by the authentication and relay server (S2), and when the verification is completed, the loan application is received through the account verification (S3) ( S4) and performs the authentication operation (S5) for the loanability by the authentication server, and after updating the user information in the database (4) after the loan (S6) is subjected to the final account verification (S7).

In this way, when a purchase of goods is made at the corresponding company site through the loaned financial currency, the corresponding company affiliated with the financial system 1 checks the user information through the database 4 in which the user information is updated (S6). S8) and the corresponding goods are delivered (S11), and when the receipt of the goods is confirmed from the individual customer to the operation server of the financial system (S9), the data from the corporate server is transferred to the financial system (1) and the database (4). User information is updated in the

At this time, the information about the corresponding product is input to the database 4, and the individual customer checks the order for the product that he / she wants to purchase. Individual customers can take the method of downloading and installing the client application from the application provider by joining as a member of the electronic financial certification server 6 in advance and verifying the authentication and integrity of their financial information and identity verification during the registration process. Through this process, the Spy program is transferred from the server to the physical space where the client application is located, and accordingly, the personal ID and password are confirmed by the customer registered in the electronic financial authentication server 6. May be used instead of identity verification.

The payment method of the financial currency provided at this time may enable the purchase of goods using a smart card, a Mondeshi card or a separate electronic authentication card, without being limited to access to the financial system 1 on the web.

In addition, the personal financial money and financial service payment information provided must be extremely secure and should be protected by various security solutions.

In other words, the most commonly provided SSL (Secure Socket Layer) 128 bit data encryption method is basically provided, and the digital signature method, public key infrastructure, services authorized by the certification authority, Database 4 backup and recovery methods are required.

In the implementation of the digital signature method, a message is first prepared, and a message generator generates a digital signature by hashing or checksum. When the message and the digital signature are combined and encrypted with a secret key and then transmitted, the message is decrypted with the public key and the digital signature is extracted through the message. The real name is then verified after performing the digital signature and verification procedure.

In the settlement relay server 5, the financial information of the individual provided by the individual customer is searched in the database 4 of the financial system 1, and if approved, the data is input and updated to update the approval information. To provide.

The electronic financial certification server (6) updates the approval information in the database (4) in association with the information on the product and the history of using the financial money, and then informs the corporate customer server (3) and the individual customer that the payment has been made. Provide confirmation information.

At this time, the information updated in the database (4) is the ID, customer ID, user ID, port number, order ID, transaction ID, company code, product number, social security number, payment method, amount, time of the electronic financial authentication server (6) Information on the approval result code (approval number) may be included.

As such, by unifying various financial currencies obtained from corporate servers through the financial system (1), individual customers unify disparate electronic money services to provide wider service to individual customers and maximized potential members to related companies. By doing so, it is possible to optimize the development of e-commerce for individuals and companies.

Therefore, according to the present invention, all financial currencies, such as cyber money, points, reserves, and mileages, generated by electronic commerce on the Internet, are unified to provide financial services of different companies when an individual purchases goods through financial currencies. Even when used, the same purchase can be made, and it is possible to support postpay through services such as loans by measuring individual creditworthiness.

By integrating personal financial information through the financial system without managing it separately by the heterogeneous program of the corporate server, the individual directly accumulates interest, provides loans, transfers and storages, and expands the potential member of the individual customer integrated into the company. It is effective to provide individual customer-oriented services.

In addition, in conducting e-commerce, corporate customers can increase corporate publicity through valuation of financial money, and provide integrated services and various financial methods to individuals.

Although the present invention has been described in detail only with respect to the described embodiments, it will be apparent to those skilled in the art that various modifications and variations are possible within the technical scope of the present invention, and such modifications and modifications are within the scope of the appended claims.

Claims (3)

Valuation through the payment relay server to make the virtual reserve financial information of the corporate servers as a standard; Updating the value evaluated by the payment relay server and the financial data of the corresponding corporate server in a database of the financial system; Clients are authenticated by the electronic financial server of the financial system to convert various financial currencies obtained from the company into a unified financial currency; Checking the integrity with the payment relay server and the updated database server after performing authentication at the electronic financial authentication server; When the integrity check is completed, through the electronic funds transfer server, providing a loan and interest calculation service, as well as deposit, withdrawal of the standard amount made through a payment relay server from a plurality of sites; Updating the data converted by the virtual electronic funds transfer (EFT) or the like into a database of the financial system; Confirming to the customer when the update is completed; And sending the payment to the payment relay server and notifying the enterprise server when the confirmation procedure of the customer is completed. The method of claim 1; The financial information is assured authentication and integrity through the application between the electronic financial authentication server and the client, and when the payment information is sent to the payment relay server, the authentication server checks the corresponding ID and password. Method of providing a financial service of electronic commerce over the Internet, characterized in that stored in a database server. The financial money is financial information obtained by individuals such as mileage, reserves, points, virtual money provided by the corporate customer, which is characterized in that it is possible to use the financial money generated offline via credit cards, Mondex cards, etc. How to provide financial services for electronic commerce via the Internet.