KR20030083122A - A system and method for providing real time electronic commerce account service - Google Patents

Abstract

PURPOSE: A system for providing an EC(Electronic Commerce) accounting service in real time and a method therefor are provided to offer a client-classified goods price accounting service in real time according to goods transaction on an on/off line. CONSTITUTION: A member management server(410) stores and manages association information of a plurality of clients who receive an accounting service about transacted goods in real time according to the connection of a user on a communication network and the goods transaction of the user on an on/off line. A real-time EC accounting service providing/managing server(420) performs a certain process, including a client-classified on-line account opening work according to the request of the EC accounting service from the client and a goods price accounting work using the opened on-line account, in real time, and provides the performed process result to the client in real time. A database management server(430) manages a plurality of databases which store various information changed and added according to the provision of the client-classified real-time EC accounting service.

Description

Real-time e-commerce settlement service providing system and method thereof {A SYSTEM AND METHOD FOR PROVIDING REAL TIME ELECTRONIC COMMERCE ACCOUNT SERVICE}

The present invention relates to a system and method for providing a real-time e-commerce settlement service, and more particularly, to a system and method for providing a real-time e-commerce settlement service that can provide real-time settlement-related tasks in accordance with on- and off-line goods transactions. It is about.

Recently, with the rapid increase of the Internet, electronic commerce targeting people around the world has been developed and used through the same media as the Internet. E-Commerce generally refers to commercial commerce involving the flow of money using electronic media and electronic technologies and means under an integrated automated information system environment between companies and companies, between companies and individuals, between individuals and individuals, or between governments and enterprises. It also includes a series of activities for customer marketing, advertising, procurement, service, production, transportation, and purchase.

In general e-commerce, when a buyer accesses a shopping mall site in a cyber space such as the Internet through a computer, purchases a product, and requests a payment, the shopping mall site requests authentication to a certification authority for the buyer's payment method, and accordingly, payment is made. The certification bodies of financial institutions such as banks, credit card companies, and prepaid card issuing companies that issue the Sudan approve their own authentication databases and perform the authentication process for the payment method that requested the authentication to approve the electronic transaction.

In such electronic commerce, a credit card or the like is mainly used as a payment means.

Hereinafter, an electronic commerce according to the related art and problems thereof will be described with reference to the accompanying drawings.

1 is a flowchart illustrating a conventional electronic commerce through the Internet.

Referring to FIG. 1, a conventional electronic commerce through the Internet is performed through a buyer 1, a store 2, a payment gateway 3, a value added network 4 and a financial institution 5. .

The store 2 is a virtual store on the Internet, and generally a web page of the store serves as a store. PAYMENT GATEWAY (3) is a payment relay system that relays TCP / IP networks and VANs, which are Internet protocols. There is. VAN (4) is a company or system that is connected to a number of financial institutions to connect the network of the financial institution to the store, the financial institution (5) is a financial transaction that deals with buyers (1), such as card companies, banks, etc. It is an organ.

The purchaser 1 accesses the server of the store 2 through the Internet using a web browser on his computer, reads the store's homepage in a web browser, and inputs his credit card information and the item to be purchased. To apply for the purchase of goods (S1).

The store 2 requests the transaction approval of the credit card inputted to the payment gateway 3 while the buyer 1 applies for a purchase (S2). At this time, the store 2, which is a virtual shop on the web, and the payment gateway 3 are connected to a TCP / IP network.

Then, the payment gateway 3 requests the VAN 4 to approve the transaction of the credit card (S3). The VAN 4 is connected to the computer network of a plurality of financial institutions, checks where the issuing financial institution of the card which has requested the approval, and applies the approval request to the financial institution 5 (S4).

The financial institution 5 returns the approval result of the approval request card to the VAN 4 (S5). The VAN 4 returns the approval result back to the payment gateway 3 (S6).

The payment gateway 3 returns the approval result to the store 2 after receiving the approval result (S7), and concludes a transaction with the buyer if the approval result is a transaction permit.

After the transaction is concluded, the store 2 delivers the receipt to the buyer by e-mail, general mail, etc. (S8).

Then, the payment gateway 3 requests the payment of the transaction price concluded with the buyer to the VAN (4) (S9), the VAN (4) requests the payment of the transaction to the financial institution (S10).

The financial institution 5 pays the transaction price to the store 2 or the payment gateway 3. Payment gateway (3) When the transaction price is received, the transaction fee is paid to the store and the fee is paid to the VAN (S11-1). When the store 2 receives the transaction price, the fee is paid to the payment gateway 3 and the VAN 4 (S11-2).

Then, the financial institution 5 charges the purchaser 1 with the transaction (S12), and the buyer 1 deposits the transaction with the financial institution 5 to terminate the e-commerce through the Internet (S13). .

However, the payment gateway 3 having such a function requires a predetermined time in providing settlement services to a large number of customers (individuals / shops, etc.). For this reason, various stores and online shopping malls on the Internet, offline shopping malls, and the like, which are to receive the corresponding service from the payment gateway 3 in real time, must suffer from inconvenience.

For example, if a customer who purchases a certain item on the Internet makes a payment through credit card or bankbook payment when purchasing the item, the specific shopping mall that sells the item may pay for the item for a predetermined amount of time. It is not until the next day that you receive payment from your financial institution or credit card company. That is, when providing the settlement service for the price of goods, the existing paygate is provided after a predetermined time, rather than providing a real-time service.

As a result, the shops and shopping malls may not only face difficulties in case of emergency funding or money rotation, but also face various difficulties such as fees, time, capital waste, etc. for borrowing the funds.

The present invention was created to solve the above problems, and an object of the present invention is a system for providing a real-time e-commerce settlement service that can provide a real-time billing service for each client according to on-line or off-line goods transaction and its It is to provide a method.

In addition, the creation of an online account (virtual account) on a client-by-Internet basis prevents the transfer of funds to other banks, increases the flexibility of the rotation of the funds, and wastes time and capital. The present invention provides a real-time electronic commerce settlement service providing system and method thereof.

1 is a flowchart illustrating a conventional electronic commerce through the Internet.

2 is a conceptual diagram of a system for providing a real-time e-commerce settlement service according to an embodiment of the present invention.

3 is a conceptual diagram of an integrated management function of a system for providing a real-time e-commerce settlement service according to an embodiment of the present invention.

4 is a detailed block diagram of a system for providing a real-time e-commerce settlement service according to an embodiment of the present invention.

5 is a flowchart sequentially illustrating an operation process of a system for providing a real-time e-commerce settlement service according to an embodiment of the present invention.

6 is a diagram illustrating an embodiment of a basic concept of providing a real-time e-commerce settlement service according to the present invention.

7A to 7E are diagrams illustrating a web page according to a real time account transfer transaction method in the payment settlement method according to the present invention.

8 is a diagram illustrating an example of a method for settlement of goods transaction price according to the first embodiment of the present invention.

9 is a view showing another example of the method for settlement of goods transaction price according to the first embodiment of the present invention.

10 is a diagram illustrating an example according to an inquiry of an online account history for each client according to the present invention.

11 is a diagram illustrating an example of transaction tracking using an online account for each client according to the present invention.

12 is a diagram illustrating a processing process when a transaction occurs using a client-specific online account according to the present invention.

13 is a diagram illustrating a transaction integration process of an online account for each client according to the present invention.

※ Explanation of code about main part of drawing ※

100, 100n: user terminal

200: wired or wireless communication network

300, 300n: client

310, 310n: Online Store

320, 320n: Offline shopping mall

330, 330n: Overseas Companies / Individuals

340, 340n: card company

350, 350n: individual

360, 360n: Shipper

400, 400n: Real-time e-commerce settlement service providing system

410 member management server

411 member management

420: Real-time e-commerce settlement service providing / management server

421: Electronic Commerce Management Department

422: Online Account Management Department

423: Real-time settlement service provider

430: Database Management Server

The present invention provides a real-time electronic commerce settlement service providing system according to the present invention for solving the technical problem, and relates to the goods traded in accordance with the user connection on the communication network and the goods transaction on the on / off line of the connected user A member management server that stores and manages a plurality of client related information to be provided with a settlement service in real time; In accordance with the request for the e-commerce settlement service from the client, a series of processes including realizing a client-specific online account establishment and payment for goods using the newly established online account are performed in real time, and the result of the performed process is provided to the client in real time. Providing real-time e-commerce settlement service providing / management server; And a database management server managing a plurality of databases in which various changes and additional information are stored according to the real-time electronic commerce settlement service for each client.

According to another aspect of the present invention, there is provided a method for providing a real-time e-commerce settlement service, comprising: providing a settlement service relating to the price of the traded goods to a client on / offline according to the transaction of a plurality of users. A first step of requesting transaction authentication to a corresponding institution according to the user's payment method of goods according to a transaction authentication request from the client according to a transaction; A second step of performing a payment according to the requested transaction authentication result; A third step of providing the goods payment service according to the payment in real time using an online account newly established for each client; And a fourth step of performing an item price management according to the real-time settlement service.

Hereinafter, a system and method for providing real-time e-commerce settlement service according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

Hereinafter, the present invention provides a service including real-time goods price settlement according to on-line and off-line item transactions per client, and a service including money management using an online account for each client according to the goods price settlement task, and a history inquiry according to money management. Named as a commerce settlement service, a system for providing a real-time e-commerce settlement service according to the present invention, that is, a system for providing a real-time e-commerce settlement service providing each of the corresponding services to different clients as a partner, the partners operate And a kind of virtual account to supply as a virtual account based on the real bank's mother account is called an online account.

2 is a schematic block diagram of a system for providing a real-time e-commerce settlement service according to an embodiment of the present invention.

2, the real-time e-commerce settlement service providing system (400 to 400n) is a number of online shopping malls (310 to 310n), offline shopping malls (320 to 320n), overseas that want to receive the real-time e-commerce settlement service according to the present invention Clients 300-300n and wired and wireless, including businesses / persons 330-330n, financial institutions 340-340n, card companies 350-350n, individuals 360-360n, and carriers 370-370n. The plurality of clients 300 to 300n are connected to the plurality of user terminals 100 to 100n through the wired / wireless communication network 200. The user terminals 100 to 100n include various Internet connection devices ranging from general customers to mobile phones.

That is, as shown in FIG. 3, the client is connected to various clients and various transaction paths (wired network, wireless network, ADSL, cable modem and TCP / IP line, etc.) from mobile phones to online shopping malls. Process and provide the e-commerce settlement service requested from the client in real time.

In the real-time e-commerce settlement service providing system 400-400n, a plurality of clients 300-300n connected on / offline are connected to the Internet through the wired / wireless communication network 200, so that the web page or user of the client When purchasing a specific item through a direct visit, and requesting a real-time e-commerce settlement service according to the present invention from the client (300 to 300n) who sold the item, and deals with the item order information received from the client (300 to 300n) We perform the tasks related to payment settlement and transaction authentication for goods sold using the request for approval.

At this time, the real-time e-commerce settlement service providing system (400 to 400n) according to the present invention in the settlement of the payment for the goods sold, the processing of the goods in real time processing.

At the time of processing, a service including the transaction details, the transfer related details, the payment and withdrawal details and the settlement of fees through the online account (virtual account) on the Internet newly established for each crite is provided to the corresponding client (300 ~). By providing in real time to the terminal of 300n), the client (300 ~ 300n) to be able to solve the questions about their money management in real time.

That is, when the payment for the goods sale is made through a credit card or bankbook payment, and the settlement of the goods cannot be made immediately, the settlement of the goods for the traded goods is performed immediately in real time and the corresponding client (300 to 300n). Providing real-time payment of goods sold to the customer, or all related services including payment settlement and account transfer using an online account.

Through this, the client can be provided with the amount of the goods as he / she wants in real time when he / she wants it, and also prevents time and capital waste (additional fees due to loans and transfers).

In addition, the real-time e-commerce settlement service providing system according to the present invention, not only generates a large amount of revenue through the establishment of a client-specific online account (virtual account) on the Internet, but also a huge amount from the deposit of a fee (double fee) using the client-specific online account. You can make money.

Here, with reference to the accompanying drawings for the online account established for each client according to the present invention will be described in detail as follows.

12 is a diagram illustrating a processing process when a transaction occurs using a client-specific online account according to the present invention, and FIG. 13 is a diagram illustrating a transaction integration process of a client-specific online account according to the present invention.

As shown, a number of partners in accordance with the present invention utilize a first fee (usually 0.1% to 1% of the transaction price) and online account for the occurrence of TRANSACTION between clients using a client-specific online account. Second fee and interest income from real-time withdrawals (usually around 5% per month on average monthly transactions), bank transfer fees (usually around 300 to 20,000 won), transfer fees between online accounts (usually around 300 won) , Revenues from commodities (usually around 1% per purchase), e-mail and mobile remittance fees (usually around 1%). In addition, the circulation effects of transactions between online accounts can generate huge profits through large-scale money management.

In addition, each client's online account has a secure structure based on the Public Key Infrastructure, which enables the cryptographic storage of the online account VALUE, secure transmission through the PKI channel, and a single integrated structure based on one CA certificate. Can be achieved.

As such, a number of partners use a client-specific online account, as shown in Figure 13, attached to the actual bank account, e-mail transfer, mobile transfer, purchase of goods, transfer between different online accounts, international transfer, banking to multiple clients The payment of goods for the goods is made through various forms of withdrawal methods, including cash cards, electronic money, and the accumulation of points.

These client-specific online accounts are a kind of virtual account operated and supplied by partners, and are virtually operated based on a predetermined account of a bank based on real cash. That is, the online account according to the present invention is operated on the basis of a predetermined account of a bank in which a virtual amount is always stored, and is treated like cash of an actual bank account.

For this reason, the partners according to the present invention provide real-time settlement and operation of goods payments according to a transaction occurrence, integration of various payment methods for each client, and increase of the business channel for securing a transaction channel between partners by using an online account. It is a surefire way to maximize profitability.

The real-time e-commerce settlement service providing system constituting the above structure will be described in detail with reference to the accompanying drawings.

4 is a detailed block diagram of a system for providing a real-time e-commerce settlement service according to an embodiment of the present invention.

Referring to FIG. 4, the real-time e-commerce settlement service providing system 400 includes a member management server 410, a real-time e-commerce settlement service providing / management server 420, and a database management server 430.

The member management server 410 includes a member manager 411 and a web page manager 412. The real-time e-commerce settlement service providing / management server 420 includes an e-commerce manager 421, an online account manager 422, and It includes a real-time settlement service provider 423.

The database management server 430 includes a member DB 431, an e-commerce DB 432, an online account DB 433, and a service provision DB 434.

The member management server 410 uses the user terminal 100 and information related to the client's goods and members (all clients ranging from individuals to partners) according to online and online goods transactions of users connected to the Internet. It stores and manages the related information, and provides and manages the main webpage and sub webpages according to the electronic commerce settlement service provided in real time to a plurality of clients 300 to 300n.

The member manager 411 is a member-related information (for example, on / off, ranging from a partner, an individual, a shopping mall, or an overseas company, which are a plurality of clients 300 to 300n who wish to receive a real-time e-commerce settlement service according to the present invention). Information including a line shopping mall name, an electronic commerce item, a history, and the like.

The web page management unit 412 is a main web page for providing a real-time e-commerce settlement service to a corresponding client (300 to 300n) according to the online e-commerce of a plurality of users connected to the Internet through the user terminal (100 to 100n) and the Provide sub web pages accordingly or manage accordingly.

The real-time e-commerce settlement service providing / management server 420 performs a settlement in accordance with the transaction of goods on / offline of a plurality of users in real time to provide to the client (300 ~ 300n), the client according to the service provided By performing a large-scale fund management and a series of processes according to each online account, the real-time e-commerce settlement service according to the present invention is provided not only to a client terminal or a user terminal in real time, but also through a large-scale fund management. It can make a profit.

The electronic commerce management unit 421 manages transactions for each of the clients 300 to 300n according to on / offline goods transactions of a plurality of customers 100 connected to the Internet through the wired / wireless communication network 200 and the information (transaction date, transaction) Store and manage information relating to commodity prices and trading methods. In other words, from the request for approval of the transaction to the relevant institution according to the type of payment for the goods (buy deposit, credit card payment, real time account transfer, etc.) of the customer who purchased the specific goods, and the provision of the result thereof, the goods on / offline In addition to the administrative tasks related to transactions, a series of processes are performed.

The online account management unit 422 newly establishes on the Internet for each client in performing settlement according to e-commerce and off-line goods transactions of a plurality of customers 100 connected to the Internet through the wired / wireless communication network 200. Account-related tasks (account transfers, charges / deposits and cash management for bank transfers) are performed in real time, and the funds are managed accordingly.

In other words, it performs a series of processes including performing the transfer of funds from the customer to another customer and charging the corresponding fee, managing the account through deposit of the charged fee, and transferring the account to another partner.

For example, request / manage fees (usually about 2% of the price of goods traded) for providing the e-commerce settlement service to the shopping mall and the information (the price of the goods settled, the name of the customer, the name of the shopping mall, the settlement date, Fees, etc.)

The real-time settlement service provider 423 performs and provides a settlement service (such as real-time inquiry of the transaction history, customer name, fee details, etc. and the provision of the goods price) through a client-specific online account related to the settlement of the transaction price of goods. And store and manage relevant information (such as customer names, transaction charges and fees).

The database management server 430 manages a plurality of databases in which various additional or changed information is stored according to a real-time e-commerce settlement service for each client.

The member DB 431 manages transactions for each of the clients 300 to 300n on / offline of the client 100 connected to the Internet through the wired / wireless communication network 200 and the corresponding information (transaction date, transaction price and transaction method) Related information) is stored.

Related information of a member including a plurality of clients (300, 300n), a partner, an individual, a shopping mall, and an overseas company, etc. who want to receive a real-time e-commerce settlement service according to the present invention (for example, an online / offline shopping mall name) Information, including items for electronic commerce and history, and the like.

The e-commerce DB 432 provides transaction-related information (transaction date, transaction price, and price) for each client 300 to 300 n according to on / offline goods transactions of a plurality of customers 100 connected to the Internet through the wired / wireless communication network 200. Information related to the transaction method) is stored.

The online account DB 433 is used to settle the payment of goods by the customer in performing an electronic commerce and settlement of goods on-line by a plurality of customers 100 connected to the Internet through the wired / wireless communication network 200. Online account-related information (transaction history, fee additions, withdrawals, etc.) according to the method (credit card, bank account deposit, real time account transfer, etc.) is stored.

The service provision DB 434 stores related information according to a settlement service (such as real-time inquiry of transaction details, customer names, fee details, and the like, and payment of goods) through a client-specific online account related to settlement of the price of the goods.

An operation process of the real-time e-commerce settlement service providing system constituting such a structure will be described in detail with reference to FIGS. 5 to 12 as follows.

5 is a flowchart sequentially illustrating an operation process of a system for providing a real-time e-commerce settlement service according to an embodiment of the present invention.

Referring to FIG. 5, a flowchart illustrating a process of interaction between a plurality of user terminals 100, a client 300, and a real-time e-commerce settlement service providing system 400 is provided. It is a diagram showing an example provided by.

First, when a plurality of customers to receive the on-line goods purchase service in real time to access the Internet through the web browser of the terminal (ADSL, LAN, telephone modem, Mobil, etc.) (S501), The offline clients 300 provide a main web page and sub web page for providing the related goods purchase service to the web browser of the corresponding terminal in real time (S502).

After that, a customer who has encountered life products by manufacturers and related information (specifications / functions / year of production / price, etc.) selects a specific product sold by a specific client using a web browser of the corresponding terminal, and then orders When a request is made (S503) and transmitted to the server in charge of the corresponding client, the client 300 that sells the corresponding item together with the order request received from the user terminal (item payment type and transaction price, etc.) By transmitting to the real-time e-commerce settlement service providing system 400 according to the present invention, a real-time settlement service request is made (S504).

Thereafter, the real-time settlement service providing system 400 receiving the service request from the client, based on the received order request and related information, from the approval of the transaction to the credit card company and the financial company to the account transfer using the online account To perform a series of processes associated with the real-time settlement service according to the present invention (S505).

At this time, the order request form made through the customer includes information on the payment method for the goods (credit card / bank account deposit / real time account transfer, etc.), the payment amount, the name of the item to be purchased, the specifications, etc. It includes information related to the withdrawal bank, withdrawal bank account number, account type (personal / corporate) and credit card type.

Thereafter, the real-time e-commerce settlement service providing system 400 provides the result of the process to the terminals of the client and the customer in real time (S506).

6 is a diagram illustrating an embodiment of a basic concept of providing a real-time e-commerce settlement service according to the present invention.

Referring to FIG. 6, a customer connected to the Internet through the user terminal 100 requests (1) to pay 10,000 won of sneakers using a VISA credit card to an online shopping mall called A or transfer 10,000 won to an online account of another store. When a request is received, the real-time settlement service providing system according to the present invention first receives a fee of 500 won from A shopping mall (②), and then performs a service related to real-time goods price settlement.

In other words, you charge 20 won for another partner (if you transfer money to a partner belonging to your partner, ③), or a certain card fee (300 won) for your VISA credit card company (④). At this time, the real-time settlement service providing system according to the present invention can further improve the existing response speed by processing the above process (① ~ ⑤) in a separate processing server (MASTER KEY DAMON) in real time.

For reference, a brief description of the real-time account transfer method of the payment method of the goods that the customer wants to purchase is as follows.

7A to 7E are diagrams illustrating a real-time account transfer transaction method among the item price settlement method according to the present invention, and the item price is deposited into a client-specific online account through such real time account transfer.

Referring to FIG. 7, an example of a case where a customer who purchases an item intends to use a real-time account transfer method in calculating a price for the item.

First, when a specific customer selects a payment method for an item to be purchased as a real time account transfer on a corresponding web page, the real-time e-commerce settlement service providing system according to the present invention, as shown in FIG. Provides a web page for entering a wire transfer password and a transfer password).

Then, as shown in Figure 7b, after providing a web page for entering the certificate password, as shown in Figure 7c, provides a web page for entering the security card number. Thereafter, as shown in FIGS. 7D and 7E, a web page for informing transfer execution payment information, such as a transfer amount and a deposited bank, is provided.

Through the payment method including the real-time account transfer method, the payment of goods to the online account for each client is completed.

Thereafter, the real-time e-commerce settlement service providing system, as shown in Figure 10 attached to provide an online account history and related information (account number, account holder, balance and transaction date, etc.) in real time, Similarly, it provides transaction tracking results (trade date, account number, transaction name, transaction type) using an online account.

As a result, many clients are provided with real-time electronic commerce settlement services such as transaction history and balance inquiries on the online account related to settlement of the traded goods in real time.

Thereafter, the real-time e-commerce settlement service providing system 400 checks whether there is an additional service request from the client 300 on / off line (S507), and if there is an additional service request as a result of the check, the operation process described above is performed. While repeating, if there is no additional service request as a result of the check, the real-time settlement service to the corresponding client 300 is terminated (S508).

Here, how to settle the transaction price after the transaction is concluded as follows.

8 is a diagram illustrating an example of a method for settlement of goods transaction price according to the first embodiment of the present invention, and FIG. 9 is a diagram illustrating another example of a method of settlement of goods transaction price according to the first embodiment of the present invention. to be.

First, referring to FIG. 8, the client 300 requests payment of the transaction to the financial institution 340 (S112). The financial institution 340 pays the transaction price to the client 300 (S113), and the client 300 pays a predetermined service fee to the real-time e-commerce settlement service providing system 400 from the payment amount received (S114). The real-time e-commerce settlement service providing system 400 also pays a predetermined fee to the financial institution 340 (S115). Thereafter, the financial institution 340 charges the transaction payment to the customer 100 (S116), and the customer 100 pays the transaction price to the financial institution 340 (S117).

As such, the system 400 for providing a real-time e-commerce settlement service according to the present invention receives a predetermined fee from a corresponding member (client, financial institution, etc.), and manages the transaction details and the management according to the above through an online account for each client. And the results are provided in real time.

Next, referring to FIG. 9, the real-time e-commerce settlement service providing system 400 requests the financial institution 340 for payment of the transaction (S119), and the real-time e-commerce transaction through the online account at the financial institution 340. Payment to the settlement service providing system 400 (S120). Thereafter, the real-time electronic commerce settlement service providing system 400 subtracts the fee from the payment price received and pays the corresponding transaction price to the client 300 and the financial institution 340 (S121 and S122).

As described above, the real-time e-commerce settlement service providing system 400 according to the present invention, in providing the real-time settlement service, in the settlement of the goods price to the shopping mall and the payment method for the goods accordingly, not only a predetermined fee is provided. However, large-scale money management can produce huge profits.

The drawings and detailed description of the invention are merely exemplary of the invention, which are used for the purpose of illustrating the invention only and are not intended to limit the scope of the invention as defined in the claims or in the claims. Therefore, those skilled in the art will understand that various modifications and equivalent other embodiments are possible from this. Therefore, the true technical protection scope of the present invention will be defined by the technical spirit of the appended claims.

According to the present invention described above, connected to the Internet through a wired or wireless communication network request transaction approval to the financial / certification authority according to the online and offline transactions of the number of users and the results provided, goods transaction price provision and details In performing the inquiry, the service related to the settlement of the price of the traded goods is performed in real time and provided to the corresponding client, thereby preventing an increase in the flexibility of the money and waste of time and money.

In addition, by storing and managing a large amount of funds through a number of client-specific online accounts, there is an effect that can generate huge revenue.

Claims (10)

A member management server that stores and manages a plurality of client related information to be provided with a settlement service related to the traded goods in real time according to a user connection on a communication network and a trade of goods on / offline of the connected user; In accordance with the request for e-commerce settlement service from the client, a series of processes including realizing a client-specific online account establishment and payment for goods using the newly established online account are performed in real time, and the result of the process is performed to the client in real time. Providing real-time e-commerce settlement service providing / management server; And Database management server that manages a plurality of databases in which various changes and additional information are stored according to the real-time e-commerce settlement service for each client Real-time e-commerce settlement service providing system comprising a. According to claim 1, The real-time e-commerce settlement service providing / management server, An online account management unit that performs the client-specific online account-related work, and manages the payment according to the goods transaction and the predetermined fee provided from the client Real-time e-commerce settlement service providing system comprising a. The method of claim 2, The real-time e-commerce settlement service providing / management server, An electronic commerce management unit performing a series of processes including transaction management for each client according to goods transactions on the user's online / offline, and storing and managing information related to the result of the performed process; And Real-time settlement service providing unit for storing and managing the relevant information according to the real-time provision of goods price settlement service using the online account for each client and the real time provision of the goods price settlement service Real-time e-commerce settlement service providing system, characterized in that it further comprises. According to claim 1, The member management server, A member manager configured to store and manage a plurality of client related information to be provided with the electronic commerce settlement service in real time; And Web page management unit for providing and managing the main web page and sub web pages for providing the e-commerce settlement service to the client in real time Real-time e-commerce settlement service providing system comprising a. The method according to any one of claims 1 to 4, The database management server, A member DB storing a plurality of client related information for receiving the electronic commerce settlement service in real time; An electronic commerce DB storing transaction related information for each client according to a product transaction on the user's online / offline; An online account DB for storing the online account related information according to the electronic commerce settlement service for each client; And Service provision DB that stores the relevant information according to the e-commerce settlement service provided by the client-specific online account Real-time e-commerce settlement service providing system comprising a. In the method for providing a settlement service for the price of the traded goods to the client on / off-line in accordance with the goods transaction of multiple users A first step of requesting a transaction authentication to a corresponding institution according to the user's payment method of goods according to a transaction authentication request from the client according to the goods transaction of the users; A second step of performing a payment according to the requested transaction authentication result; A third step of providing the goods payment service according to the payment in real time using an online account newly established for each client; And Fourth step of performing the goods price management according to the real-time settlement service provision Real-time e-commerce settlement service providing method comprising a. The method of claim 6, The fourth step, Managing a predetermined fee deposited from the client according to the real-time settlement service; And Managing the price of goods deposited from a client on / offline according to the goods transaction of the users Real-time e-commerce settlement service providing method comprising a. The method of claim 7, wherein The fee management step, Managing a predetermined fee according to a transaction occurring between clients using the online account; And Managing a predetermined fee due to the transfer of funds between clients using the online account; Real-time e-commerce settlement service providing method comprising a. The method of claim 6, The third step, Creating a client-specific online account on the on / offline; Performing fund management related to providing the real-time goods price settlement using the newly established online account; And Providing real time transaction details according to the result of the money management to the client Real-time e-commerce settlement service providing method comprising a. The method of claim 9, The third step, Real-time e-commerce settlement service, characterized in that to provide a real-time e-commerce settlement service for each client by using the client-specific online account, real bank account, e-mail, product purchase, overseas remittance, cash card, electronic money and points accumulation How to Provide.