KR20030028344A - Electronic Stock Used Electronic Stock Commerce System And That Method - Google Patents

Abstract

PURPOSE: A system for an electronic bill transaction using an electronic bill in an Internet electronic transaction and a method thereof are provided to issue the electronic bill combined with a payment unit and an investment value integrally based on a credit and a debit using a computer and the Internet. CONSTITUTION: If a seller connects to an Internet shopping mall homepage, a central control unit executes an electronic bill transaction system(10). The seller inputs a kind of a commodity to be transmitted to a server computer of the Internet shopping mall and a selling condition thereof(11). If the seller requests a commodity delivery, the central control unit transmits a commodity delivery confirmation code to a seller computer(12). If the seller inputs the commodity delivery confirmation code and commodity information and calculates a price, the seller receives a coded electronic bill approval number from the server computer and an electronic bill for replacing a selling price(13). If the central control unit displays a kind of a commodity, a purchaser selects a commodity(15). The purchaser inputs a purchase condition such as a purchase price, a purchase condition, purchaser information, etc.(16). If the purchaser pays a purchase price and receives the commodity, the central control unit transmits commodity trading information and calculates a price thereof(17). If a user connects to the electronic bill transaction system for trading an electronic bill, the central control unit authenticates the user and transmits electronic bill information to a user computer(18). If the user inputs an electronic bill transaction condition(19), the central control unit transfers an electronic bill to a corresponding electronic bill transaction account and calculates/pays a transaction price(20).

Description

Electronic Stock Trading System and Method Using Electronic Securities in Internet Electronic Transactions

The present invention relates to an electronic securities trading system using electronic securities in the Internet electronic transactions, and in particular, in the method of providing payment for electronic transactions or electronic securities transactions using the computer and the Internet and the debt obligations accompanying the transactions. Unlike money and electronic money, the present invention relates to an electronic securities transaction system and method using electronic securities having investment value and circulation value as a payment method.

In the conventional Internet e-commerce where credit purchase such as credit is virtually impossible, in order for an Internet shopping mall operator or a general buyer to purchase a product on the Internet, payment methods such as cash payment or bank transfer, credit card payment, and electronic money payment are required. There is a problem in that the fund management is easy to be rigid, because a large amount of funds are funded in the short term and then a product must be processed in the long term.

In addition, even if the product can be purchased on credit under the credit of an Internet shopping mall operator or an ordinary buyer, the buyer must return the profit to the product provider as much as he or she receives the benefit of the due date for future payment. There is a problem of having to purchase a higher priced product.

In particular, despite the ever-increasing size of the Internet e-commerce market, Internet e-commerce remains a mere spot transaction. In the general home loan market, mortgage-backed securities or asset-backed securities are issued based on real estate mortgages. As a mortgage refinancing system, which flows back into the market as an investment product, a product traded on the Internet can be used as a means of creating new credit, or can be used for Internet electronic shares and electronic bonds based on Internet trading products or assets. There are no conventional Internet electronic securities investment products, such as those issued and distributed in the electronic trading market.

Accordingly, the present invention is to solve such a conventional problem, based on the bond debt generated in electronic transactions using a computer and the Internet, issuing an electronic securities combined with a payment method and investment value into one, The purpose is to provide an electronic securities trading system that can be accepted.

In order to achieve the above object, the electronic securities transaction system using electronic securities according to an aspect of the present invention, an Internet shopping mall operator and a general buyer who intends to use the electronic securities as a payment method, stores the assets and executes them from the guarantee insurance company. Open an electronic securities transaction account with an electronic securities company, or secure a certain amount or deposit a certain amount of money, and open an electronic securities transaction account with a limited amount of money, and receive a certain amount of electronic securities transactions from the electronic securities company; On behalf of users of e-securities payments, such as Internet shopping mall operators and general buyers, who have purchased goods from the sellers of goods, the electronic securities company pays the sellers of electronic securities, which guarantee a certain amount of profits for a certain period, If the buyer who purchases the product pays the money in general currency to the electronic securities company, In response to the cost of purchasing and discounting electronic securities held by the seller, the subsidiary settles the cost of the electronic securities company from the sales price of the Internet shopping mall operator and the buyer, thereby allowing the electronic securities to be used as a new payment method on the Internet. The purpose of the present invention is to provide an electronic securities transaction system using electronic securities in internet electronic transactions.

In addition, the general investor purchases and holds electronic securities with a certain profit guarantee for a certain period of time, so that the electronic securities can be discounted or sold to an electronic securities company after a certain period of time, thereby obtaining a certain amount of return on investment. Its purpose is to provide a trading system.

1 is a diagram showing a schematic configuration of an electronic stock trading system using electronic stock in the Internet electronic transaction of the present embodiment.

2 is a schematic overall block diagram of an electronic stock trading system and method using electronic stock in the Internet electronic transaction of the present embodiment.

3 is a flowchart showing a processing procedure of an electronic stock trading system using electronic stock in the Internet electronic transaction of this embodiment.

<Description of the code | symbol about the principal part of drawing>

B10: Seller B20: Buyer

B30: Internet Shopping Mall Operator B40: Electronic Securities Company

B100: Central Control Unit B14: Electronic Securities Payment

B21: Electronic Securities Discount and Sale B21: Electronic Securities Payment Guarantee and Settlement

B42: Payment B21: Electronic Payment and Transaction Information Update

Hereinafter, preferred embodiments of the present invention for achieving the above object will be described in detail with reference to the accompanying drawings.

1 is a diagram showing a schematic configuration of an electronic stock trading system using electronic stock in the Internet electronic transaction of the present embodiment.

As shown in FIG. 1, the electronic securities transaction system using electronic securities in the Internet electronic transaction of the present embodiment includes a central controller B100, a seller computer B10, a buyer computer B20, and an Internet shopping mall operator server computer B30. ), An electronic brokerage company server computer (B40), and each computer comprises a display device for displaying electronic transactions and a modem capable of internet communication.

Seller computer (B10) is a product seller, the sales information (B11) and product sales approval request (B12) of the product to be sold on the Internet through the central control unit (B100) the buyer computer (B20), Internet shopping mall operator server Transfer the computer B30 and the electronic security company server computer B40 to recognize them, and approve the sales of the server computer B30 and the buyer computer B20, the electronic security payment certification (B13), and the electronic securities. After confirming the sales approval of the company server computer B40 and the electronic securities payment certification, the seller computer B10 receives the electronic securities transfer B14 to the previously established electronic securities transaction account.

At this time, the electronic wallet program, which can perform commodity transactions, electronic securities transactions, cost calculation and settlement, simultaneously operates a seller computer (B10), a buyer computer (B20), and an Internet shopping mall when installing an electronic stock trading system using electronic securities. The company server computer B30 and the electronic brokerage company server computer B40 may be set.

The Internet shopping mall operator server computer B30 reads the sales information of the product to be purchased on the Internet through the central controller B100 and determines the purchased product by the Internet shopping mall operator, and encrypts the price with respect to the purchased product. After verifying the payment of the electronic securities (B13), confirming the approval of the sales of the server computer (B40) of the electronic securities company, and confirming the payment of the electronic securities payment, the electronic securities are transferred to the seller's electronic securities transaction account. Pay (B14).

The electronic securities company server computer B40 generates an encrypted electronic securities by substituting the payment method of the purchase goods of the Internet shopping mall operator or general electronic securities paying user who opened the electronic securities transaction account (B31) by the electronic securities company operator. And to check the payment authorization (B12) information and the electronic certificate payment certification (B13) information received from the central control unit (B100) for payment of the electronic securities payment user, acts as an electronic securities account transfer and settle costs ( B32).

The purchaser computer B20 browses the sales information of the product to be purchased on the Internet through the central control unit B100 by the product buyer, determines the purchased product (B41), and then pays the price for the purchased product. The payment is made into the transaction account (B42), and the product delivery certification (B43) of the electronic security company server computer (B40) is confirmed, and the product is delivered (B44) according to the instructions of the server computer (B30) of the Internet shopping mall operator.

The seller computer B10 and the buyer computer B20 open an electronic securities transaction account by the user or a general investor, and control the electronic securities owned or intended to be owned by the user through computer and computer communication. In accordance with the instructions of the server computer (B40) of the electronic securities company to sell or discount the electronic securities (B21) and update the electronic payment transaction information, such as charging, payment, inquiry, transfer of electronic securities (B22).

At this time, the electronic securities may be issued as bond-secured electronic bonds secured by bonds or asset-secured electronic securities secured by assets.These electronic securities may be delivered to sellers, Internet shopping mall operators and buyers purchasing goods, In accordance with the instructions and authentication of the courier company responsible for the delivery of goods, general investors investing in electronic securities, full or mutual partial users of the electronic securities company can be encrypted and generated through the central control unit (B100).

The electronic securities may be issued in various financial instruments, and may be issued in an anonymous or registered manner, at the request of an electronic securities company and an electronic securities payment user.

In addition, the electronic securities may be issued as interest-free electronic securities for payment of small balances.

For example, in order to pay 123,456 won for the purchase of an internet shopping mall, an online shopping mall operator issues an electronic bond with a 10,000-year 12-year coupon and a 20% annual interest rate. When issued and paid in interest-free electronic securities, the seller can sell or discount the 120,000 won electronic securities through the central control unit B100, and the balance 3,456 won can be held for small payment or refunded in cash.

In this case, the Internet shopping mall operator sells the product for 200,000 won in one month, and then immediately settles the cost with the electronic securities company and purchases the electronic securities with the above maturity and yield as the remaining amount after deducting the cost. For example, the company may earn interest income for about 10 months, re-secure it with credit, and purchase more products to generate more sales revenue.

In addition, electronic securities companies and users of electronic securities payments may issue named e-bonds that restrict the circulation of electronic securities for the convenience of transactions between specific transactions or credit parties.

At this time, if the user who pays the electronic securities replaces the debt of the specific counterparty and issues and pays the registered electronic bond, the user who pays the electronic securities at the maturity or before the expiration of the electronic securities payer expires. The electronic bond may be abolished by authentication of the controller B100.

2 is a schematic overall block diagram of an electronic stock trading system and method using electronic stock in the Internet electronic transaction of the present embodiment.

Step 10 When the seller who wants to sell the product in the seller mode accesses the Internet shopping mall homepage operated by the Internet shopping mall operator using a computer and the Internet, the central controller B100 executes an electronic security trading system using electronic securities.

In step 11, the seller inputs the type of merchandise to be sent to the Internet shopping mall operator server computer B30 and the terms of sale using the electronic stock trading system.

In step 12, when the seller requests the delivery of goods, the central control unit B100 transmits the goods receipt confirmation code to the seller computer B10 according to the approval instruction of the user of the electronic securities payment user such as an Internet shopping mall operator and a general buyer.

In step 13, when the seller inputs the item receipt confirmation code and the product information to calculate the cost, the seller computer B10 transmits the encrypted electronic security certificate number from the server computer B40 through the central control unit B100. Receive the electronic money transfer in exchange for the purchase price from the user's electronic security transaction account to the seller's electronic security transaction account.

Step 14 When a buyer who wants to purchase a product in the buyer mode accesses an Internet shopping mall homepage operated by an Internet shopping mall operator using a computer and the Internet, the central controller B100 executes an electronic security trading system using electronic securities.

In step 15, when the central controller B100 displays the type of the preset product on the purchaser computer B20, the buyer selects the purchased product.

In step 16, the buyer inputs purchase conditions such as purchase price and condition, buyer information, etc. to be transmitted to the Internet shopping mall operator server computer B30 or the seller computer B10.

In step 17, when the purchaser calculates the purchase price of the product to the general account of the electronic securities company and receives the goods by the approval of the sale of the product by the Internet shopping mall operator, the central control unit B100 determines whether the online shopping mall operator server computer B30 or the seller computer ( B10) send the product sales information and settle costs.

Step 18 When the user accesses an electronic security trading system using electronic securities through a computer and the Internet in order to buy and sell electronic securities, the central control unit B100 authenticates the user and according to the electronic securities selling and buying order. Electronic securities information such as types, amounts, and quantities of electronic securities that can be traded are transmitted to the user's computer.

In step 19, when the user reads the electronic securities information transmitted to the computer and inputs electronic securities transaction conditions such as the type, quantity, amount, and payment method of the electronic securities, the central controller B100 receives the electronic securities in step 20. Transfer to the securities trading account and pay the transaction price.

Fig. 3 is a flowchart showing the processing procedure of the electronic securities transaction system using electronic securities in the Internet electronic transaction of the present embodiment.

As shown in FIG. 3, the electronic securities transaction method using electronic securities in the Internet electronic transaction of the present embodiment includes a seller mode (A10 to A14), a buyer mode (A20 to A24), and an electronic securities transaction mode (A30 to A33). 1, the central control unit B100, the seller computer B10, the purchaser computer B10, the Internet shopping mall operator server computer B30, and the electronic securities company server computer B40. do.

In step A10, when the seller who wants to sell the product accesses the Internet shopping mall homepage using the electronic securities trading system using a computer and the Internet, the central controller B100 updates and registers the user's transaction access authentication and the user's information. The information database is loaded to recognize that the seller is connected and to execute seller mode A10 to A14.

In the product information database for classifying, storing and updating the goods in step A11, the seller who receives and reads the data about the preset product types in the Internet shopping mall selects the product types to be sold from the product types displayed on the seller computer B10. Select and enter the sales conditions.

The selling condition includes an identification number such as a seller's name and address, a social security number or a business registration number, an electronic stock transaction account number for payment of a selling product, and the like, and the selling information is transmitted to the central control unit B100 for a temporary period. Stored as.

When the input of the sale condition for the sale product is completed, the authentication processing unit which checks the security code and the user's authentication according to the transaction content and identifies the illegal use, determines whether the entered sale information is appropriate, and in step A12 A purchaser wishing to purchase a product decides to purchase a specific product from the product sales information set in the Internet shopping mall, and then agrees to the sales condition and transmits a purchase intention to the seller computer B10.

In step A13, the seller who receives the approval of the sale delivers the corresponding product through the courier company or reserves the delivery and receives the delivery confirmation code from the central control unit B100.

In accordance with the instructions of the seller who has received the delivery confirmation code in step A14, the transaction processing unit that processes transactions and payments according to the user's transaction classification loads an electronic wallet that conducts electronic securities transactions, calculates the cost, and purchases the electronic securities transaction of the buyer. Seller mode is complete when you transfer electronics to your account.

In step A20, when the purchaser who wants to purchase a product accesses the Internet shopping mall homepage using the electronic securities transaction system using a computer and the Internet, the central controller B100 recognizes that the purchaser is connected and performs the buyer mode A20 to A24. Let's do it.

In step A21, the purchaser who has received data on the product type set in advance from the central control unit B100 on the Internet shopping mall homepage selects a product type to purchase from the product types displayed on the buyer computer B20, and in step A22 purchase conditions. Enter.

The purchase condition includes a buyer's name and address, an identification number such as a social security number or a business registration number, an electronic stock transaction account number for payment of a purchased product, and the like, and the purchase information is transmitted to the central control unit B100 for a temporary period. Stored as.

When the purchase condition input for the purchased product is completed, the central controller B100 determines whether the inputted purchase information is appropriate, and in step A23, the seller who wants to sell the product selects a specific product from the product purchase information set in the Internet shopping mall. After the sale is decided, the seller agrees to the purchase conditions and sends the sales intention to the buyer computer B20.

The buyer mode is completed when the buyer who has received the approval of the transaction in step A24 finally calculates the cost in the electronic wallet that performs the cost calculation and the electronic securities transaction and transfers the purchase price to the trading account of the electronic securities company.

In step A30, when the user who wants to sell or discount the electronic securities uses the computer and the Internet to access the Internet shopping mall homepage using the electronic securities trading system, the central control unit B100 recognizes that the electronic securities trading user is connected and the electronic securities. The transaction modes A30 to A33 are executed.

In step A31, the user loads an electronic security information database for classifying, storing and updating electronic securities, and receives and views electronic securities data such as identification information about a predetermined type of electronic securities, trading quantity, amount per share, and maturity, etc. From among the types of electronic securities displayed on the user's computer, the electronic securities to be traded are selected and the terms and conditions of the electronic securities are entered.

The electronic securities transaction conditions include a user's teeth and an identification number such as an address, a social security number or a business registration number, an electronic securities transaction account number and a general account number for payment, and the electronic securities transaction information includes a central control unit (B100). ) Is temporarily stored.

When the input of the transaction conditions for the electronic securities is completed, the central control unit B100 determines whether the input transaction information is appropriate, and if the transaction party agrees to the transaction conditions in step A32, transmits a transaction doctor to the user's computer. .

In step A33, when the user finally loads an electronic wallet that performs cost calculation and electronic securities transaction and calculates the cost, the central control unit B100 is connected to an external financial institution and stores the information that is settled by the payment means and renews the registration. The electronic information exchange mode is completed by loading the payment information database, transferring the electronic securities to the electronic securities company trading account of the electronic securities purchase order user, and transferring the transaction price to the general account of the selling order user.

At this time, the central control unit B100, which performs the seller mode A10 to A14, the buyer mode A20 to A24, and the electronic securities transaction mode A30 to A33, classifies, stores and updates the transaction information of the user. In the above database, transaction information necessary for the seller computer B10, the buyer computer B10, the Internet shopping mall operator server computer B30, and the electronic securities company server computer B40 may be input and output from time to time. The central control unit B100 may update transaction information from time to time according to the instructions of the computer user.

As described above, according to the electronic securities transaction system using electronic securities in the Internet electronic transaction of the present embodiment, it is possible to guarantee a certain profit in place of the performance of debt on short-term bonds generated in electronic transactions between the seller and the buyer. By issuing electronic securities and using them as a means of payment and investment, the electronic securities can be used as a means of new credit creation by being distributed again as an investment financial product in the Internet market.

The distribution of electronic securities created in lieu of debt obligations for short-term bonds may require other general investors to invest in the electronic securities, in addition to users of electronic securities payers, such as Internet shopping mall operators or general buyers, who originally purchased goods. General market funds flow into the Internet market sector.

Therefore, when these investments continue, the e-Securities company's ability to pay increases, replacing short-term funds with long-term funds, and has the effect of facilitating the distribution of funds to the Internet market sector.

Claims (4)

The merchant computer and the buyer computer are connected to the Internet shopping mall operator server computer and the electronic brokerage company server computer through the Internet, and the Internet shopping mall operator server computer and the electronic brokerage company server computer receive electronic transaction information from the merchant computer. When the electronic transaction information is transmitted to the purchaser computer and the Internet shopping mall operator server computer and the electronic securities company server computer determine the authenticity of the electronic transaction information, the electronic securities company server computer generates the electronic securities and generates the seller computer. An electronic securities transaction system using electronic securities for transmitting an encrypted electronic securities to the electronic securities; The electronic security company server computer; A user information database for updating and registering the user's transaction access authentication and the user's information; A product information database for classifying, storing, and updating products; An electronic stock information database for classifying, storing, and updating electronic stocks; A transaction information database for classifying, storing, and updating transaction information of a user; A payment information database connected with an external financial institution and storing and updating information registered by a payment means; A transaction processing unit for processing transactions and payments for each user's transaction classification; An authentication processing unit which checks the security code and the user's authentication according to the transaction contents to identify an illegal use; A control unit for managing and controlling the database; Electronic securities transaction system using electronic securities in the Internet electronic transactions comprising a. The electronic securities transaction system using electronic securities according to claim 1, wherein the electronic securities are made of named or bearer electronic money. The system of claim 1, wherein the electronic securities are issued in registered or anonymous electronic money, and have a fixed maturity and a certain rate of return. In the electronic securities transaction method, a seller computer and a buyer computer are connected to an Internet shopping mall operator's server computer and an electronic securities company's server computer through the Internet, and use electronic securities as a payment method for electronic transactions. A seller accessing an internet shopping mall operator's server computer supporting an electronic stock trading system and inputting sales information about a selling product; A purchaser accessing an internet shopping mall operator's server computer supporting an electronic stock trading system and inputting purchase information about a purchased product; Confirming whether the input and sale information of the user is appropriate, and then approving the sale and delivering the product; Generating an electronic securities by the electronic computer company server computer and transferring the electronic securities to the electronic securities transaction account of the seller as a payment means according to the merchandise sales; A user who owns the electronic securities, accesses an electronic securities transaction system, inputs transaction information regarding the sale and discount of the electronic securities, and trades the electronic securities; Calculating the merchandise sales cost and the electronic securities purchase and discount cost and finishing the transaction; Electronic securities transaction method using electronic securities in the Internet electronic transaction comprising a.