KR20030075592A - Electronic Payment System With An Electronic Note For Exchange Ticket, And That Method - Google Patents

Abstract

PURPOSE: A system and a method for electronic payment using an electronic goods bill are provided to transfer and discount the bill to a customer by making a vendor to issue the first electronic goods bill for the goods bought from a merchant and the second electronic goods bill based on the first electronic goods bill. CONSTITUTION: A system operator server(S101) constructs and manages an electronic transaction database between users(S110-S200), a database for issuance, registration, and certification of the electronic goods bill, and a user database. An electronic goods bill exchange server(S102) forms an electronic goods bond intermediating network by connecting to the system operator server(S101). The user computers have a virtual electronic goods bill account to input and output the electronic goods bill from the system operator server(S101) and the electronic goods bill exchange server(S102). A delivery company computer(S200) delivers the goods transacting between the users(S110-S160).

Description

Electronic payment system with electronic commodity bill and method thereof {Electronic Payment System With An Electronic Note For Exchange Ticket, And That Method}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system using electronic commodity bills and a method thereof. In particular, in the electronic transaction using a communication network and a payment method accompanying the transaction, unlike conventional electronic money, the present invention can be exchanged with general commodities. Instead of paying the electronic voucher and the fixed interest, a new form of electronic money, that is, electronic bills, which is electronically combined with the functions of electronic bills, which have been postponed for a certain period of time, is issued. A system and method thereof are provided.

In the related art, an Internet shopping mall operator sells an electronic money (web money) or an electronic gift certificate that can be used only in the Internet homepage in advance, and uses it as a trading price, rather than using other prominent electronic money with high versatility. have.

This not only avoids the hassle of using other electronic money, but also protects the company's transaction and payment information and attracts more customers and deposits. Because I prefer.

For this reason, however, customers do not trust the electronic money inherent in non-universal Internet shopping malls, and furthermore, they avoid the use of general-purpose electronic money in certain Internet shopping malls or because of the hassle, which hinders the development of internet transactions. It is becoming.

Customers do not have to take the hassle of depositing cash in advance at Internet shopping malls and not at banks to buy interest-free electronic money and use it as a payment method again.

Nevertheless, the conventional Internet shopping malls usually use their own electronic money, which does not generate interest or is not available, as a means of payment, or even if interest occurs, the interest is actually a reflective interest in the form of discounted electronic money. In addition, the electronic money with a discount rate is hardly considered to be interest-bearing electronic money, as a specific Internet shopping mall cannot purchase a face value of 100,000 won electronic money for 90,000 won and immediately refund it back to cash for 100,000 won.

Moreover, the interest or interest-free electronic money is different from the gift vouchers or bills in nature, so if a customer requests a refund at a time, there is a problem that they cannot cope with.

Accordingly, the present invention is to solve such a conventional problem, the Internet shopping mall operator (purchaser) purchases a specific product from the merchant (Merchant), the sum of the principal and interest after the expiration of a certain amount as the payment price Issuing a registered first electronic commodity bill, which can be exchanged for a specific commodity or discounted in cash, transfers and discounts it to Merchant's virtual electronic commodity bill account, and integrates and separates the first electronic commodity bill as an asset. Electronic products that generate and transfer discounts to customers by creating an anonymous second electronic commodity bill that can be exchanged for cash or discounted in cash at a certain amount of combined principal and interest at a fixed maturity combined with one's investment value and means of payment. An object of the present invention is to provide an electronic payment system using bills.

In addition, the electronic payment system using electronic commodity bills, for a credit transaction of the user who holds the second electronic commodity bill by the Internet shopping mall operator, a certain amount of principal and interest at a certain maturity within the holding limit of the second electronic commodity bill. The purpose of this is to generate a third electronic commodity bill that can be exchanged for a certain product or discounted in cash at the sum of the amounts, so that a credit purchase such as a credit card can be made possible.

1 is a diagram showing a schematic configuration of an electronic payment system using the electronic bill of sale according to the present embodiment.

2 is an exemplary diagram showing a schematic configuration of a virtual electronic bill of goods according to the present embodiment.

Fig. 3 is a flowchart showing the processing procedure of the electronic payment system using the first electronic commodity bill in the area B 2 B of this embodiment.

Fig. 4 is a flowchart showing the processing procedure of the electronic payment system using the second electronic commodity bill in the area B 2 C of this embodiment.

Fig. 5 is a flowchart showing the processing procedure of the electronic payment system using the third electronic commodity bill in the C 2 C area of the present embodiment.

Fig. 6 is a flowchart showing the processing procedure of the electronic payment system using the second electronic commodity bill in the electronic commodity exchange section of the present embodiment.

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

S100: Electronic Goods Bill Network S101: System Operator

S102: Electronic Goods Exchange S110: Merchant

S120: Vendor S140: Customer

S170: Investor S200: Transport Company

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 payment system using electronic commodity bills according to the present embodiment.

As shown in Figure 1, the electronic payment system using the electronic bill of the present embodiment, the system operator (S101), electronic bill exchange (S102), Merchant (S110), Vendor (S120, S130), Customer (S140, S150) , S160), an investor (S170, S180), and a transport company (S200), each of which comprises a display device for displaying electronic transactions with a computer and a modem capable of internet communication.

The system operator (S101) and the electronic commodity bill exchange (S102) establish a mutual electronic commodity bill intermediary network, Merchant (S110), Vendor (S120, S130), Customer (S140, S150, S160), Investor (S170, S180). ), The transport company (S200) is connected to the electronic goods bill intermediary network, including other communication means such as the Internet, mobile, PDA.

At this time, the system operator (S101) may be an electronic commodity bill exchange (S102) at the same time, and may perform an electronic payment system using electronic commodity bills by partially integrating or linking with other components and financial institutions required for cash transfer. have.

Merchant, Vendor, Customer, and Investor will open a virtual electronic bill account at the same time as the system operator (S101) and the electronic commodity exchange (S102) to issue and settle an electronic commodity bill, and to make a sale and discount. Purchasing Vendor (S120) and other electronic commodity issuers who intend to purchase Merchant (S110) goods on credit should either enter into debt guarantees with financial institutions or, in some cases, financial institutions such as trading banks or guarantee insurance companies of the system operator (S101). A separate agreement may be made to request a credit grant at S220 to issue an electronic commodity bill within the credit limit.

At this time, the electronic wallet program that can perform the merchandise transaction and electronic commodity bill transaction and the cost calculation and settlement at the same time may be set in advance in each user computer when installing or accessing the electronic payment system using the electronic commodity bill.

Accordingly, in the B2B area, when the Merchant (S110) and the Vendor (S120) access the system using a communication network such as the Internet, the system operator (S101) approves the use of the electronic payment system using the electronic bill of lading and between the parties. Receive contract information (1).

When a merchandise sales contract between Merchant (S110) and Vendor (S120) is concluded in step 1, Vendor (S120) issues a first electronic draft and charges it to Merchant (S110) 's virtual electronic draft paper account or encrypts it through e-mail. The electronic goods bill is transmitted, and Merchant (S110) requests delivery of goods to the shipping company (S200) (2) and delivers the goods to the vendor (S120) (4).

The system operator (S101) or the electronic commodity exchange (S102) receiving the information about the transaction (0) immediately discounts the first electronic commodity bill and transfers the cash to the general account of Merchant (S110) and the vendor (S120). (5) The discount cost is settled.

For example, Vendor (S120) directly contacts Merchant (S110) to pay cash and purchase a specific A product. Transfer to a virtual electronic bill.

The one-year 1 million won e-A gift certificate is an electronic money that can be purchased as a one million won e-gift voucher after one year, that is, an e-gift voucher with a certain billing character. You can promise not to.

However, the general electronic commodity bill may be refunded for change in exchange for the commodity within the expiration period or the discount rate will be applied if it is used more than a certain amount, but the expiration period must be adjusted to receive the full refund in cash. Can be.

Merchant S110 requests the vendor S120 or the system operator S101 to discount the electronic A gift certificate.

At this time, Merchant (S110) may be manipulated so as not to transfer this electronic A gift certificate to another person. In this case, the Electronic A Gift Certificate is always inactive for third parties.

Vendor (S120) or the system operator (S101) pays 800,000 won in cash by discounting the electronic A voucher, deletes A from the electronic information of the electronic A voucher, activates it as an electronic voucher (second electronic draft), and activates the general user. The sale can be sold for 900,000 yuan.

Vendor (S120) or the system operator (S101) exchanges A commodity under conditions of receiving cash 100 won or 1 million won electronic gift certificate from a general user.

At this time, the first electronic commodity bill is the same as Merchant (S110) issuing a 100-won e-gift voucher to Vendor (S120) in advance to sell a certain A commodity to buy a discount at 800,000 won. And omissions may be possible only in virtual book form.

However, the face value of 1 million won electronic commodity bill, which is exemplified above, becomes 1 million won electronic commodity bill after one year maturity.In fact, at the time of issuance, the daily interest is inverted according to the interest rate set by the issuer. May be programmed to be automatically calculated to be 800,000 won or 900,000 won. On the contrary, the par value of an electronic commodity bill may be set at 800,000 won or 900,000 won, and may be set to be 1 million won electronic commodity bill after one year.

In the B2B area, the sales vendor (S130), including the purchase vendor (S120) of the Internet shopping mall operator, operates an electronic payment system using electronic goods bills to the general customer (S140) online such as an internet shopping mall. When the second electronic commodity bill (1) that can be exchanged for the owned commodity is sold (1), the customer (S140) establishes a sale (2) on the commodity and pays the third electronic commodity bill (3) to the vendor (S130). ) Purchase a product.

At this time, the second electronic commodity bill, which is the first electronic commodity bill, that is, the one-year maturity discount rate of 1 million won as described in the above example, destroys the digital information 'A' and 'name' information on the electronic A gift certificate, and the 'expiration and interest rate' It may be generated as a general electronic voucher by changing the information on ', or may be generated as a plurality of second electronic voucher by integrating and separating the first electronic voucher.

In some cases, the vendor (S130) may issue a second electronic commodity bill irrespective of the first electronic commodity bill and transfer it directly to a virtual electronic commodity account of Merchant (S140) or store the electronic commodity bill. You can also charge it in your wallet or email it with digital information about electronic bills.

However, when the second electronic commodity bill is exchanged for the commodity within the maturity period, the second electronic commodity bill may be programmed to be exchanged for the commodity equivalent to the face value without the discount rate and interest rate.

In the C2C area, the vendor (S130) who operates the Internet shopping mall while operating the electronic payment system operator (S101) using the electronic commodity bill, purchases the product directly from another customer (S150) in the Internet shopping mall managed by him. (1) If the customer (S160) intends to hold the second electronic commodity bill in the virtual electronic commodity bill, the system operator (S101) according to the credit transaction instruction (2) of the customer (S160), the second electronic commodity. Within the limits of the paper bill, a third-party electronic paper bill is issued and transferred to the virtual electronic paper bill account of Customer (S150).

Customer (S150) can be discounted through the system operator (S101) of the third electronic commodity bill, or can be exchanged for other goods within the time limit and limit, wherein the system operator (S101) is settled after a certain period of time ( 3) Subtract the second electronic commodity bill from the virtual electronic commodity bill account of Customer (S160) to the minimum.

In the electronic commodity exchange exchange area, the electronic commodity exchange (S102) forms an internal electronic commodity bill network closely by the method using its own communication protocol with the system operator (S101), and authenticates the system operator (S101). Accordingly, a second electronic commodity bill generated from a number of issuers is brokered or discounted (1), and accordingly, e-mail transmission, account transfer and settlement (2) are handled.

In particular, the electronic product bill is charged to the electronic product bill IC card issued in advance by at least one or more Internet shopping mall operator and system operator (S101, S102, S120, S130), the user holding the electronic product bill IC card ( S140, S150, S160, S170, S180) is a payment method of electronic commodity bills charged through Internet and mobile communication devices such as mobile phones, POS terminals, ATMs, PDAs, general voice phones, etc. It may also be used as a credit settlement instrument within the limits of electronic bills of lading.

2 is an exemplary view showing a schematic configuration of a virtual electronic bill of goods according to the present embodiment.

As shown in FIG. 2, an Internet shopping mall of a vendor (S130), in which an account holder (CustomerS140) is an electronic payment system operator (S101) using electronic commodity bills through a communication network such as the Internet, and directly operates an electronic commodity exchange and an internet shopping mall. When the client accesses the vendor shop and instructs the balance inquiry of the virtual electronic product bill account, the server of the vendor S130 displays the balance inquiry screen on the customer's computer.

The second electronic commodity bill purchased by CustomerS140 for payment and investment at the Internet shopping mall Vendor Shop (merchant code 217052) is one face value of 100,000 won of issue number 020101-1234, and is purchased at another Internet shopping mall (merchant code 328161). The electronic commodity bills received are two parcels of 100,000 won at the face number of 020301-2345 and 020301-2346.

At this time, two denominations of 100,000 won of par value of issue number 020301-2345 and 020301-2346 are the second electronic commodity bill with the same purchase price and par value and a fixed interest of 1,000 won per month. Interest is W1,000 per month, but the second electronic commodity bill with a discount of W88,000.

The second electronic commodity bill of issue number 020301-2345 and 020301-2346 is less than three months after purchase, so it is not possible to discount it as it is. However, the present price is 202,000 won. You can get a cash refund, just like a regular gift certificate, within the price range.

In this case, the second electronic commodity bill may be issued after being integrated and separated from the first electronic commodity bill, but the function and a certain discount rate of the gift certificate that are independently generated and exchanged with the commodity at any time regardless of the first electronic commodity bill. A paper bill can be used for a wide range of payments, with the ability to discount by cash or pay back the full amount of money after the expiration.

CustomerS140 may apply for credit purchase within the range of the second electronic commodity bill and one month contract period, issue a third electronic commodity bill with a par value of 100,000 won, and purchase the goods on credit. If Customer S140 does not settle within the contract period, the second electronic commodity bill may be settled.

The system operator S101 may comprehensively grasp the assets, credit status, and number of transactions of the Customer S140 to calculate a credit amount within or above the current price, thereby expanding the customer's credit purchase.

Fig. 3 is a flowchart showing the processing procedure of the electronic payment system using the first electronic commodity bill in the area B 2 B of this embodiment.

Step A10 When Merchant (S110) intending to sell a product in Merchant mode connects to the electronic payment system operator (S101) server through the computer and the Internet, the server authenticates the user's transaction access and the user's information. It loads a user information database that updates and registers a user, authenticates whether the user is a legitimate user, and executes an electronic payment system using an electronic bill of lading.

Merchant (S110), which receives and reads data on a predetermined product type from a product information database for classifying, storing and updating products in step A11, designates a contract vendor (S120) using an electronic payment system, and then contracts. Enter the necessary sales conditions in.

The selling condition includes a seller's name and address, an identification number such as a social security number or a business registration number, a virtual electronic draft paper account and a general account for payment, and the sales information is transmitted to the system operator (S101) server to temporarily Stored as.

In step A12, if Merchant (S110) makes an electronic signature with the encryption key of Merchant (S110) to establish the contract, the system operator (S101) who checks the security code and the user's authentication according to the transaction details for illegal use. The server authentication processing unit determines whether the input information is appropriate, authenticates the information of Merchant (S110) with the encryption key of the system operator (S101), and encrypts again the digital information of the contract to the computer of the vendor (S120). The computer of the vendor (S120) having received the information is decrypted with the encryption key of the vendor (S120) and at the same time again authenticates the generation of the electronic commodity note with the encryption key and transmits it to the system operator (S101) server. The server of the system operator (S101) receiving the terminal finally authenticates the establishment of the contract and issuance of the first electronic commodity bill.

In step A13, Merchant (S110) applies for delivery of goods through the transport company (S200), the system operator (S101) server transaction processing unit Merchant (S110), which handles transactions and payments for each user's transaction classification in step A14 Receiving information on product delivery from the company (S200) and Vendor (S120), the first electronic commodity bill issued by the vendor (S120) is placed in the virtual electronic commodity bill of Merchant (S110). Encrypt or transmit encrypted digital information about the electronic draft by e-mail.

At this time, if Merchant (S110) requests a discount immediately through the system operator (S101) server of the first electronic commodity bill, Vendor (S120) pays cash instead of refluxing the electronic commodity bill, but this process is caused by an electronic book injury. In reality, the contract can be established and the electronic product bill issuance and discount can be made simultaneously.

In addition, Merchant (S110) issues a first electronic commodity bill, which can purchase a specific commodity at a predetermined amount after a predetermined period, and sells it to the vendor (S120), and then the first electronic commodity bill as a payment method for the specific commodity. It may be programmed to pay.

At this time, the server of the system operator (S101) may build a pre-formed electronic product bill DB.

For example, in the issuance of the electronic commodity bill, the system operator (S101) server can be formulated to select one of the future expiration of the electronic commodity bill 1 month, 3 months, 6 months, 12 months.

Accordingly, the fixed rate of 1%, 4%, 7%, 15%, etc. can be set, respectively, so that the holder of the electronic commodity bill can exchange the specific commodity for a certain amount of the principal and interest after a certain period of time or discount it in cash according to the fixed discount rate. It can also be set in advance, so that it can be exchanged for goods or discounted in cash even before expiration.

In step A20 Vendor mode, when a vendor (S120), who wants to purchase a product using electronic commodity bills, accesses the electronic payment system operator (S101) server using electronic commodity bills through a computer and the Internet, the server computer authenticates whether the user is a legitimate user. And the electronic payment system using the electronic bill.

In step A21, the vendor (S120) designates a counterparty Merchant (S110) using the electronic payment system and inputs a purchase condition necessary for the contract.

The purchase condition includes a purchaser's name and address, an identification number such as a social security number or a business registration number, a virtual electronic draft paper account and a general account for payment, and the purchase information is transmitted to the system operator (S101) server to be temporarily transferred. Stored as.

In step A22, if the vendor (S120) makes an electronic signature with the encryption key of the vendor (S120) to establish a contract with the Merchant (S110), the system operator (S101) server performs the vendor based on the received information of the Merchant (S110). If the information of S120 is authenticated and the first electronic draft is issued in step A23 and transferred to the virtual electronic bill of merchandise of Merchant (S110) or charged in a preset electronic wallet, the vendor (S120) proceeds in step A24. Receive the goods.

At this time, unlike the second electronic commodity bill, which is transferred after the issuance or is returned to the issuer after a certain point of time, the system operator (S101), for convenience, the first electronic commodity bill and the third electronic commodity bill, which are returned immediately after issuance, are for convenience. It can only be generated by charging in the case, in which case it can be programmed to prohibit the transfer of the electronic draft to another customer's virtual electronic draft.

However, in generating the electronic contract and the first electronic commodity bill, the system operator (S101) server processes the specific electronic contract content as a blind signature, extracts only the elements necessary for the payment part, and issues the first electronic commodity bill to Merchant (S110). ) And the privacy of the vendor (S120).

Fig. 4 is a flowchart showing the processing procedure of the electronic payment system using the second electronic commodity bill in the area B 2 C of this embodiment.

In step B10 Vendor mode, a vendor (S130), who operates an internet shopping mall and wants to sell a product, selectively uses an electronic payment system using electronic bills as a method of payment for payment of goods and transactions of electronic goods bills. In the case where the customer S140 connects to the internet shopping mall of the vendor S130 through a computer and the Internet and selects the purchase of the second electronic product bill, the system operator S101 server updates and registers the information of the vendor affiliated vendor. It loads the merchant information database, recognizes that the vendor (S130) and the customer customer (S140) of the vendor (S130) are connected, and automatically extracts the transaction information to perform an electronic payment system using an electronic product bill.

In step B11, the vendor (S130) is a sum of a predetermined purchase amount and a certain rate of interest within the schedule expiration according to the customer's (S140) 's request to purchase the electronic commodity bill. 2I issue an electronic commodity bill and sell it to the customer (S140) through the system operator (S101) server.

In step B11, the vendor (S130) sells the product according to the product purchase request of the customer (S140), and receives the second electronic commodity bill (B13) from the customer (S140) by the system operator (S101) server, step B11 Vendor (S130) to deliver the goods to the Customer (S140).

At this time, Vendor (S130) can deposit change in cash to Customer's (S140) general account for the processing of the balance, and Vendor (S130) issues various balances by issuing electronic commodity bills ranging from 1 won to 5,000 books. It may be appropriate for payment.

Step B20 In the customer mode, a customer (S140) who wants to purchase a predetermined product by accessing the Internet shopping mall of the vendor (S130) through a computer and the Internet, as a payment method for the second electronic commodity bill issued by the vendor (S130) Select the electronic payment system that purchases (B21) and exchange it with the product (B2, B23) and instructs the second electronic commodity bill as a payment method, the system operator (S101) server updates and registers the information of the customer. It loads the information database, recognizes that the customer (S140) is connected, and automatically extracts the transaction information to perform the electronic payment system using the electronic draft of the step.

Instead of refluxing the second electronic commodity bill through the system operator S101 server, when the vendor S130 delivers the commodity, the customer S140 receives the commodity in step B24.

Fig. 5 is a flowchart showing the processing procedure of the electronic payment system using the third electronic commodity bill in the C 2 C area of the present embodiment.

Step C10 In the Custormer mode, a customer (S150) who wants to sell a product directly by posting a product list on an internet shopping mall where an electronic payment system using an electronic product bill is operated, sells the product through a computer and the Internet (C11). If the customer (S160) who wants to purchase the product instructs to issue and pay the third electronic commodity bill within the limit of the second electronic commodity bill deposited in his virtual electronic commodity bill as a payment method, The system operator (S101) server loads the customer information database that updates and registers the customer's information, recognizes that the customer (S150) is connected, and automatically extracts the transaction information to perform an electronic payment system using an electronic product bill. .

In step C12, the system operator (S101) server is settled after a certain period of time within the limit of the second electronic goods bill deposited in the customer (S160) virtual electronic goods bill account according to the customer (S160) credit purchase orders. When a third company bill is issued and transferred to the virtual electronic bill of customer (S150), in step C13, the customer (S150) delivers the goods and the user is sent to the Internet shopping mall operator through the system operator (S101) server in step C13. 3Discount electronic commodity bills in cash.

At this time, the third electronic commodity bill may be issued with a maturity of one month as the shortest term, and the customer (S160) who instructs to issue and pay the third electronic commodity bill in lieu of the credit purchase shall receive the electronic bill within one month. The sum of the principal, interest, and issuance fee for the commodity bill shall be settled. If the sum is not settled within that period, the relevant Internet shopping mall operator or system operator (S101) shall become the underlying asset for issuance of the third electronic commodity bill. The second electronic commodity bill may be forcibly extinguished to cover the settlement.

However, the customer (S150) receiving the third electronic commodity bill from the customer (S160) cannot transfer the electronic commodity bill to a third party and directly flows it back to the Internet shopping mall operator and system operator (S101) or the customer (S160). Can be pre-adjusted to exchange goods or cash.

In step C20, the customer (S160) who wants to purchase the product of the customer (S150) in the Internet shopping mall in which the electronic payment system using the electronic product bill is operated in the customer mode, purchases the product through the computer and the Internet (C21). Select the electronic payment system using electronic commodity bills as a payment method, generate a third electronic commodity bill as an underlying asset, and instruct it as a payment method (C22). The server loads a customer information database that updates and registers customer information through an internet shopping mall operator server, recognizes that the customer (S160) is connected, and performs an electronic payment system using electronic bills of money.

The customer (S160) receiving the goods in step C23 pays the sum of the principal, interest, and issuance fee for the third electronic commodity bill through the system operator (S101) server and settles (C24) the Internet shopping mall operator.

Fig. 6 is a flowchart showing the processing procedure of the electronic payment system using the second electronic commodity bill in the electronic commodity bill exchange area of the present embodiment.

Step D10 When the investor S170 wishing to sell or discount the second electronic bill in the discount investor mode uses a computer and the Internet to access the electronic payment system using the electronic bill, the electronic bill exchange server (S102) server controls the system. It recognizes that the investor S170 is connected through the authentication of the operator S101 server.

If the investor (S170) instructs the sale and sale of the second electronic commodity bill in step D11, the electronic commodity exchange (S102) server classifies and stores the second electronic commodity bill through authentication (D12) of the system operator (S101). And the second electronic commodity bill information database which is updated and updated, and the second electronic commodity bill data such as the identification information and the trading quantity, the amount per volume, and the expiration of the electronic commodity bill owned by the Investor (S170) are sent to the Investor (S180). Mediate discounts and sales.

In step D13, the electronic commodity exchange (S102) server performs a discount process by refluxing and extinguishing the second electronic commodity bill from the virtual electronic commodity bill account of the investor (S170) to the system operator (S101) server, or the second electronic product. A delivery process is performed in which encrypted digital information about a commodity bill is transmitted to a computer of the Investor (S180) or transferred to an Investor (S180) virtual electronic commodity bill account.

Step D20 When the Investor (S180) who wants to purchase the second electronic bill from the Investor (S170) or a plurality of two electronic bill holders in the Investor mode, accesses the electronic payment system using the electronic bill via the computer and the Internet. The electronic commodity exchange S102 server recognizes that the investor S180 is connected.

In step D21, if the electronic commodity exchange (S102) server receives user information such as initial user or general payment account information for clearing the purchase price, the investor (S180) in step D22 through the electronic commodity exchange (S102) server View the electronic commodity bill data, such as identification information on the types of pumpable electronic commodity bills, the quantity sold, the amount per volume, and the maturity, and apply for the purchase and charging of a specific second electronic commodity bill, and in step D23, the second electronic commodity. When paying cash or the like in exchange for the bill purchase and recharging, the electronic commodity exchange (S102) server transfers the second electronic securities to the virtual electronic commodity bill of the investor (S180) or charges the encrypted digital information.

In the area of electronic commodity exchanges, the second electronic commodity exchange brokerage method can be handled by mobile or general voice telephone like general stock trading, where the electronic commodity exchange (S102) is based on the second electronic commodity bill. If there is a issued second electronic commodity bill, the trading of the second electronic commodity bill may be restricted within the limits of the third electronic commodity bill.

As described above, according to the electronic payment system using the electronic bill of sale of the present embodiment, the function and schedule of the electronic bill guaranteeing that a certain amount is paid at a certain expiration date and a function of the electronic gift certificate that can be exchanged for a certain amount of goods. Electronic commodity bills, which are equipped with an electronic bond function, characterized in that a certain interest is generated at maturity, first, in connection with a credit transaction between a merchant and a vendor, a certain sum is a sum of a certain amount of profit at a certain maturity. Issuing a first electronic commodity bill, which can be exchanged or discounted with a commodity, is used as a means of credit transaction between companies, and in a transaction between an Internet shopping mall operator and a customer, a certain amount of profit is generated at a certain expiration date. The number of payments by issuing a second electronic commodity bill, which can be exchanged or discounted with a certain commodity at a combined amount. In the case of small-term short-term credit transactions between Customer and Customer, the second electronic commodity bill shall be used as an underlying asset and exchanged for a certain commodity at a certain sum plus a certain amount of profit within a certain limit. By issuing a third electronic commodity bill, which can be discounted, and using it as a payment method, the first electronic commodity bill increases the purchasing power of the company by expanding the credit transaction between the operators and at the time of termination of the contract. The transaction dispute can be easily solved as a basis for the restoration of the product and the settlement of interest, and the second electronic commodity bill is distributed as an investment financial product that actually generates interest, and the Internet shopping mall operator greatly expands the customer attraction. General customers who are reluctant to purchase goods with electronic money or electronic gift certificates on the Internet It is possible to greatly activate electronic transactions by making an investment, and the third electronic commodity bill only has a second company commodity bill, which enables short-term small-scale credit transactions with collateral, and electronic money becomes a means of credit. There is an effect as an electronic money to increase the money supply and speed up the currency in the market.

Claims (6)

System operator that integrates and builds and manages the electronic transaction database among the users (S110, S120, S130, S140, S150, S160, S170, S180, S200), a database on electronic product issuance registration and authentication, and the user database. S101) server, An electronic commodity exchange (S102) server interconnected by the system operator (S101) server with an internal dedicated line to form an electronic commodity bill intermediation network; Users (S110, S120, S130, S140, S150, S160, S170, who have established a virtual electronic goods bill account that can deposit and withdraw electronic goods bills from the system operator (S101) server and the electronic goods bill exchange server (S102) server at any time) S180) with computer, The carrier (S200) computer that delivers the goods between the users (S110, S120, S130, S140, S150, S160) is configured to interconnect with a communication network, such as the Internet, The system operator (S101) server; Build a virtual electronic bill account database that integrates, sorts, stores, and updates electronic bills, and receives specific commodity electronic transactions and electronic commodity bill transaction information from users (S110, S120) computer, and purchases them (S120). The first electronic commodity bill, which can be exchanged for a specific commodity or discounted in cash, in a sum of a certain principal and interest at a certain maturity, in the virtual electronic commodity account of the sales operator S110 by calculating Transfer and exchange for cash discounts or specific commodities; Electronic payment system using an electronic product bill, characterized in that. According to claim 1, The system operator (S101) server immediately discounts and returns the first electronic commodity bill in the name of the purchase provider (S120) to consolidate and separate it back to the underlying asset or to the first electronic commodity bill Irrespective of the calculation of the purchaser (S120) independently, the second electronic commodity bill, which can be exchanged or discounted with the general product of the purchaser (S120) at a sum of a certain principal and interest at a certain maturity, is generated. Then, according to the purchase order of the general users (S140, S150, S160, S170, S180) transfer it to the virtual electronic bill or send encrypted digital information about the second electronic bill; As the user (S140, S150, S160, S170, S180) holding the second electronic product bill purchases the general product of the operator (S120) and selects the second electronic product bill as a payment means or instructs a cash discount, the system The operator (S101) server to exchange goods or discount cash and within the limit of the sum of the principal and interest of the second electronic commodity bill; Electronic payment system using an electronic product bill, characterized in that it further comprises. The method of claim 2, wherein the second electronic product bill is generated by at least one Internet shopping mall operator (S130) and distributed to a plurality of users (S140, S150, S160, S170, S180) and the Internet shopping mall operator, The electronic commodity exchange (S102) server transmits and receives the user (S120, S140, S150, S160, S170, S180) information and the authentication information about the second electronic commodity bill trading and discount from the system operator (S101) server, A second electronic product that integrates, classifies, stores, updates, and updates digital information on the identification information and quantity of trade of electronic commodity bills, par value, par value, purchase amount, maturity, interest rate, discount rate, current price, serial number, and transaction price. A mediation database is constructed to display the mediation information on a computer for discount and charging users S170 and S180, and the second electronic commodity bill for which the discount and charging users S170 and S180 are preset. Instructing the sale and discount, the electronic commodity exchange (S102) server receiving the information in response to the transfer and settlement, and the information about the brokerage transaction system operator (S101) server and Internet shopping mall operation Transmitting to the operator (S130) server; Electronic payment system using an electronic product bill, characterized in that it further comprises. The method of claim 2, wherein the second electronic commodity bill is generated by an issuer that is a system operator (S101) and an internet shopping mall operator (S130), and a purchase user (S140) is connected to the system operator through a computer and the Internet. S101) Load the information on the second electronic commodity bill set in the server to select and purchase a specific second electronic commodity bill, and the purchase user S140 selects a product of another customer S150 posted on the Internet shopping mall. In the credit purchase of the second electronic commodity bill as collateral, the system operator (S101) server exchanges or cashes the commodity with a sum of a certain principal and interest at a certain maturity within a range of collateral of the second electronic commodity bill. Issue a third electronic commodity bill that can be discounted by the bank, transfer it to the virtual electronic commodity bill account of the customer (S150), and after a certain period of time, discount and refund the short term Haneungeot cover credit payments; Electronic payment system using an electronic product bill, characterized in that it further comprises. User (S110, S120, S130, S140, S150, S160, S170, S180, S200) computers; A system operator (S101) server that manages the registration and authentication of electronic commodity bills and electronic transactions between users, and an electronic commodity exchange that performs intermediation of electronic commodity bills by interconnecting the system operator (S101) server with an internal private line ( S102) The electronic payment using the electronic bill, characterized in that interconnected to the server via a communication network, each user opens and closes the electronic bill, which can be withdrawn and withdrawn electronic bills at any time In the method, The system operator (S101) server, which has received the electronic transaction information about a specific product between the purchaser (S120) and the seller (S110), calculates the purchaser (S120) to the virtual electronic product bill account of the seller (S110). Generating and transferring a first electronic commodity note, which can be exchanged for a specific commodity or discounted in cash by a sum of a certain principal and interest at a certain term, and then exchanged and settled the discount or cash with a specific commodity in cash; ; The system operator (S101) server immediately discounts and refluxs the first electronic commodity bill under the name of the purchaser (S120) and consolidates and separates it back into the underlying asset or independent electronic commodity regardless of the first electronic commodity bill. A second feature that can be exchanged or discounted with the general merchandise of the operator (S130) at the sum of a certain amount of principal and interest at a certain expiration date by the calculation of the operator (S130) to sell the general merchandise in the Internet shopping mall using a paper bill. Generate electronic commodity bill, transfer it to virtual electronic commodity bill account or transmit encrypted digital information about second electronic commodity bill according to purchase order of general user (S140, S150, S160, S170, S180), and The user (S140, S150, S160, S170, S180) having the second electronic commodity bill purchases the general merchandise of the operator (S120, S130) and selects the second electronic commodity bill as a payment method. When I directed a cash discount, the system operator (S101) servers exchanging and general merchandise or discounts for cash within the limits of the sum of the principal and interest of said second electronic goods notes: The electronic commodity exchange (S102) server, which has received the intermediary purchase and discount instruction of the users S140, S150, S160, S170, and S180, which has purchased and retained the second electronic commodity bill, is connected to the user (S101) from the server (S101). S130, S140, S150, S160, S170, S180) information and the authentication information for the sale and discount of the second electronic commodity bill to send and receive to build a brokerage database for the second electronic commodity bill, the user to discount and charge the mediation information When the discount and charging user S170, S180 selects a preset second electronic commodity note to instruct the sale and discount, the electronic commodity exchange exchange S102 receives the information (S170, S180). The server performing the account transfer and settlement; When the user (S140) holding the second electronic commodity note selects the product of another customer (S150) posted on the Internet shopping mall with the collateral of the second electronic commodity note, and purchases it with credit, the electronic transaction information is received. A system operator (S101) server issues a third electronic commodity bill within the scope of collateral of the second electronic commodity bill, transfers it to the virtual electronic commodity bill account of the customer (S150), and exchanges or discounts it with the commodity after a certain period of time. Reflux to use as a short-term credit settlement between customers; Electronic payment method using an electronic product bill, comprising a. 6. The user of claim 5, wherein the electronic commodity bill is charged in an electronic commodity bill IC card previously issued by at least one of the operators S101, S102, S120, and S130, and the user holds the electronic commodity bill IC card (S140). , S150, S160, S170, S180) is exchanged or discounted with the general merchandise as a payment method for the second electronic commodity bill charged through the Internet and communication means such as a mobile phone, POS terminal, ATM, PDA, general voice telephone, As a means of credit settlement within the limits of the second electronic commodity bill; Electronic payment method using an electronic product bill, characterized in that it further comprises.