KR20050038322A - The method of paying by u.s dollar on e-commerce - Google Patents

Abstract

The present invention can perform all procedures of payment incurred in the e-commerce between economic entities between countries (individual-individual, individual-corporate, corporate-corporate) on the Internet using the US dollar as the basic currency. E-Commerce online payment system, which specializes in standardizing the transaction data of the goods and services purchased by the consumer in US dollars. An authentication module for granting a unique transaction authentication key to a transaction specialized data, a notification module for notifying predetermined matters, and a supplier server receiving the authentication notification requests payment of a price presented in the transaction specialized data to the financial institution server. Requesting payment request module, which generates relevant historical data after the Payment history generation module, client server monitoring module to monitor abnormal operation of supplier server and financial institution server, monitoring module to monitor whether payment process is successful, outstanding payment history management module to manage outstanding payment details, security module It includes.

Description

The method of paying by U.S dollar on E-commerce}

The intermediary of Korean companies' dollar settlement through foreign settlement agents is used to reduce the huge amount of payment fees leaked to foreign countries to Korea to create additional export profits and the high imposition of foreign settlement agents to Korean companies. Increases corporate profit by eliminating additional service fees such as fee fees and overseas remittance fees

The present invention relates to an electronic commerce online payment system, and more specifically, the process of payment for payments generated from commerce as well as commerce between international economic entities (individual-individual, individual-corporate, corporate-corporate) on the Internet. It relates to an e-commerce online payment system that can be performed on behalf of all.

In the current payment method of payments generated by commerce, the main method is to pay cash or purchase the goods or services in reality.In the era of electronic payment, the payment method using the credit card possessed by the buyer It's getting bigger. However, the payment method by credit card has a very high risk of card loss, and in the case of small transactions, the use of the card for small payments is not properly performed due to the fee burden caused by the use of the card. In addition, if lost, it also contains a problem that is very easy to steal others.

In order to solve these problems, the spread of computers has spread rapidly throughout society, including at home and at work, and more and more people purchase goods and services through e-commerce between individuals and individuals, individuals and companies, and companies and companies. As a result, electronic billing, which is directly processed through the Internet, has been recognized as a very popular field. Such e-billing is actively used not only in the e-commerce field but also in other areas requiring payment, and the explosive growth of the e-billing-related market is anticipated due to the current environment where the proliferation of e-commerce is increasing. do.

Currently, these e-billing services are generally operated by having a billing module in the site by opening a unique e-Market place for each specific company, which is usually linked to a financial institution where a consumer's payment account is opened. As a matter of fact, they simply transfer money for goods and services, and due to security incompleteness of data related to payment processing transmitted on the Internet, they have amplified distrust about e-commerce to the trading parties. It is working badly. In addition, even if the payment is made by electronic payment method, the transaction authentication process must be carried out separately, and there are inherent inconveniences, and for the electronic payment work, e-commerce is required because a large DB and a large server must be established. As the trend is increasing, each company is increasing its cost burden for payment.

A typical conventional transaction in which individuals or small and medium businesses in the Republic of Korea remit to a person in the United States is shown. The individual (customer) must exchange his Korean money for US dollars from a bank or dealer and remit the money converted into US dollars to the US.

There are many inconveniences in this procedure. This currency exchange procedure is time consuming. Relevant agencies must maintain a stock of various currencies in relation to the currency being traded, thus exposing them to foreign exchange risk. To be competitive, all major currencies must be traded by all bank dealers, other banks and currency exchanges. All institutions that trade foreign currencies benefit from the service by obtaining the price difference, that is, the difference between the purchase price and the sell price, and the commission charged to the customers. The price difference is usually fixed (currently about 2.5% in many banks, but higher in other banks). In addition to the above price difference, in order to exchange the first currency with a second foreign currency and send the second currency to the person in the foreign country in which it is used in the same way as the telegraph, the price difference and the individual and the small and medium-sized enterprises have a fixed amount, for example, about $ 40.00 (B) the transaction fee, which is a percentage of the transaction amount, is unfair. Similarly, in order to receive foreign currency, foreign individuals and small and medium-sized enterprises receiving the foreign currency bear a fixed fee, for example, a transaction fee, which is about $ 10.00 or a percentage of the transaction. The individuals and SMEs are not given the opportunity to participate in bidding on exchange rates or to benefit from favorable exchange rates. Moreover, remittances through local banks usually take a relatively long time, often 3 to 6 days, to complete.

Therefore, the present invention was devised to solve the above problems and meet the trend of activation of electronic payment. The object of the present invention is to occur in electronic commerce between economic entities (individual-individual, individual-corporate, corporate-corporate). It is to provide an electronic commerce online payment system that can realize all the procedures of the payment payment on the Internet.

In order to achieve the above object, the electronic commerce online payment system proposed by the present invention, which authenticates and setstles the transaction price generated in the electronic commerce between a consumer, a supplier, a supplier server, and a financial institution server, is a product purchased by a consumer, Standardized transaction generation module that generates standardized transaction data including purchase time, purchase price, supplier name, payment financial institution, and payment date of service, encryption module that encrypts transaction data, and transaction data An authentication module that grants a transaction authentication key from the authorized authentication server to give a transaction authentication key unique to the transaction data, a notification module that notifies predetermined matters, and the supplier server that received the authentication notification can settle the payment presented in the transaction data. Payment request for payment to the financial institution server Module, a payment history generation module that generates relevant details data about the payment after the payment between the trading partners is completed, a client server monitoring module that monitors the abnormal operation of the supplier server and the financial institution server, and various procedures of payment Monitoring module to monitor whether the transaction is successful, unprocessed payment history management module for managing unsettled payment details between trading entities, and security module for preventing transaction access from outside to secure transaction data, transaction history data, and transaction principal information And a storage database (DB) for storing data calculated from each module or necessary for driving each module, and a controller for transferring information between the modules and proper processing of the information.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings. 1 is a conceptual diagram showing how the electronic payment is made using the present invention.

A: The consumer 2 connects via the Internet to the supplier server 3 providing the desired goods or services to purchase them. At this time, the consumer 2 is simultaneously connected to the electronic commerce online payment system (1, the following system). When the consumer 2 completes the purchase, data related to purchase (transaction related data) is transmitted to the system 1.

B: The system 1 transmits the password of the consumer 2 to the authentication server 5 in order to determine whether to authenticate the transaction related data transmitted by the consumer 2.

C: The authentication server 5 gives a unique authentication key for the transaction and sends it to the system 1.

D: The system 1 notifies the consumer 2 and the supplier server 3 whether or not to authenticate the transaction.

E: The supplier server 3, which has received the notification of authentication, requests the transfer of the price.

F: The system 1 that has received the payment request requests the transfer of money from the financial institution server 4.

G: The financial institution server 4 transfers the price to the supplier server 3 after confirming the authentication of the transaction.

2 is a block diagram of the present invention.

The transaction professional standardization generation module 11 standardizes transaction specialized data reflecting purchase information including the goods purchased by the consumer 2, the purchase time of the service, the purchase price, the supplier name, the payment financial institution, and the payment date. As the generated part, the consumer 2 accesses an e-market place provided by the supplier server 3 and selects the desired goods and services to purchase. At this time, when the consumer 2 logs on to the supplier server 3 to make a purchase, the payment system link module provided in the supplier server 3 executes a transaction authentication agency and payment settlement contract with the supplier server 3. The password that is simultaneously logged on to the system 1 that is entered and entered upon logon is transmitted to the system 1 for use in the authentication procedure described later. The controller 10 applies the recording signal to the consumer password DB 32 to record the consumer password. When the consumer 2 completes the purchase, data related to the purchase (transaction related data) is transmitted to the system 1, and the control unit 10 recognizes this and standardizes the transaction specialized data in the transaction professional standardization generation module 11. The reason for standardization is that the consumer's payment method can take a variety of methods such as PC banking, ARS, Internet banking, EDI, CMS, etc. To create a. When the transaction specialization standardization module 11 generates the transaction specialization data, the purchase time may be enabled by a real-time clock embedded in the system 1 itself, and the purchase price, payment settlement institution, payment date, etc. By extracting from transaction-related data that has been sent to the system 1. The generated transaction specialized data becomes reference data for monitoring to be described later. The transaction specialization standardization generation module 11 transmits the transaction specialization data thus obtained to the encryption module 12.

The encryption module 12 encrypts transaction specialized data. As the encryption method, a widely used standard algorithm such as SEED, RSA, SSL is applied. Encryption is the procedure to take in order to stabilize the transaction and secure the transaction information between the trading entities. The more complex the encryption algorithm, the more effective the security of the information will be. The encrypted transaction text data is recorded by the controller 10 applying a recording signal to the transaction text DB 31.

The authentication module 13 is a part for granting a unique transaction authentication key to the transaction data by receiving the authentication status from the authorized authentication server 5 with respect to the transaction data, and the control unit 10 from the consumer password DB 32. The consumer password, the supplier server password from the supplier server DB 34, and the financial institution server password are read from the financial institution server DB 36, and the authentication server 13 is read through the authentication module 13 and the external interface module 21. These passwords are stored in a DB (not shown) of the authentication server 5 for use as authentication passwords for subsequent transactions.

Authentication is applied to maintain security in a computer system shared by multiple users or in a communication network shared by multiple computer systems. Authentication is used to identify the identity of a person who wants to perform work using a shared computer system or shared network. It is a method of maintaining the security of the system by inspecting and checking the legality of the work performed by such a user so that illegal work cannot be performed by an illegal user. Authentication in the present invention is to determine the validity (validity) of the authentication cryptography of the above-mentioned trading subjects, and if any one of the cryptography is not legal, the non-authenticated data is transmitted to the system (1) and the system (1) is a notification module. (16) through the authentication failure of the transaction subject is notified by the payment failure due to the authentication failure, because the transaction process was not performed normally, the unprocessed payment history management module 18 displays the transaction history data of the transaction as unprocessed history DB ( 30) and notify the relevant transaction subject of abnormal progress in the transaction through the notification module 16.

If the authentication password is legitimate, the authentication server 5 generates a transaction authentication key and sends it to the system 1. When the authentication module 13 receives the authentication key, it grants a unique authentication key to the transaction specialized data, and at the same time, the controller 10 applies a recording signal to the authentication key DB 33 to store the authentication key. 16) informs the consumer 2 and the supplier server 3 that the transaction has been authenticated.

The payment request module 14 requests the financial institution server 4 to request payment of the payment based on the transaction data provided by the supplier server 3 that received the authentication notification. From the DB 31, the transaction target data is read from the authentication key DB 33, and the authentication key given to the transaction data is read and transmitted to the financial institution server 4, and the financial institution server 4 authenticates. The payment procedure of the payment is completed by making payment to the supplier server 3 for the transaction details and notifying the system 1 of the payment.

The payment history generation module 15 generates the relevant details data on the payment of the transaction after the payment between the transaction entities is completed. The payment history generation module 15 performs payment on the purchase date, authentication status, and the financial institution server 4 of the consumer. Generate payment history data including the time of notification, the time when the payment was made to the supplier server 3, and the payment, if the payment is in installment, whether the remaining payment or the payment is normally paid and stored in the payment history DB 35. do. In the case where the supplier server 3 and the financial institution server 4 request the payment to be confirmed correctly, the control unit 10 applies a readout signal to the payment history DB 35 to settle the price through the notification module 16. The situation is provided to the supplier server 3 and the financial institution server 4.

The monitoring module 17 checks whether each step operates according to the prescribed procedure in a task defined as a series of steps in the information terminal system, which is monitoring as a part of monitoring whether the above procedures of the transaction are normally performed. In this case, a task defined as a series of steps is called a transaction, and a transaction is usually embedded in a ROM in a system as an operation program. Transactions in the present invention can be defined as follows as a step in general payment.

1. Create Transaction Specialized Data

2. Grant certification to generated transaction data

3. Request payment to financial institution

4. The financial institution transfers the payment to the supplier

5. Settlement

The monitoring module 17 reads the payment related detail data from the payment history DB 35 after the transaction is completed, and the processing result for each step of the transaction is determined by the transaction specialized data standardization generation module 11. The integrity of the various data described above is ensured by checking whether it is done as original. If any step is abnormally performed, the transaction is regarded as abnormally terminated and the unprocessed transaction history management module 18 stores the history data in the unprocessed history DB 30 and related through the notification module 16. Inform the trading entity of abnormal progress (for example, inability to pay due to insufficient funds).

The client server monitoring module 19 monitors the normal operation of the supplier server 3 and the financial institution server 4, and the monitoring is performed in real time, and the monitoring target is whether the server is abnormally operated. It is possible by periodically transmitting the normal operation discrimination reference data which the server 3 and the financial institution server 4 mutually contracted to the system 1 beforehand. The controller 10 determines that the two servers are not in a normal operation state if the agreed normal operation determination reference data previously recorded in the supplier server DB 34 and the financial institution server DB 36 do not match. The abnormal date and time of occurrence of the abnormality are recorded in the supplier server DB 34 and the financial institution server DB 36, and the abnormality is notified to the supplier server 3 and the financial institution server 4 through the notification module 16.

The security module 20 prevents malicious access from the outside and secures transaction specialized data and information on the transaction subject. The security module 20 is installed to protect the data from those who do not have permission to use the system 1. do. The security module 20 may be implemented by a program commonly called a firewall, and the specific method of security is applied because the standard information security method (for example, the method proposed by the National Institute of Standards and Technology) applied to the Internet security is applied. The detailed description is weak.

Although the preferred embodiments of the present invention have been described in detail above, those skilled in the art will appreciate that the present invention may be modified without departing from the spirit and scope of the invention as defined in the appended claims. It will be appreciated that modifications or variations may be made. Therefore, modifications to the previous embodiment of the present invention will not be able to deviate from the technology of the present invention.

Use of the present invention has the following advantages.

1. As a result of the intermediary of Korean companies' settlement of dollars through foreign settlement agents, the company will convert the huge amount of payment settlement fees leaked to foreign countries into Korea to create additional export profits.

2. It eliminates the risks of Korean companies that may be caused by failure to respond properly due to language problems, geographical distance problems, etc., in case of disputes such as payment failure by overseas payment agents.

3. It provides an opportunity to expand the market abroad by providing a secure payment brokerage system to domestic shopping mall companies and paid content companies that settle in a narrow domestic market even with a global Internet infrastructure.

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Claims (5)

Act on the Internet to authenticate and settle payments incurred in electronic commerce between the consumer, supplier server and financial institution server, which are parties to the e-commerce, A transaction specialization standardization generation module which receives transaction specialization data on goods and services purchased by the demander from the consumer and standardizes the transaction specialized data; An encryption module for encrypting the standardized transaction text data; An authentication module configured to receive a certification of a transaction from an authorized authentication server with respect to the standardized transaction specialized data and to assign a unique transaction authentication key to the transaction specialized data; A notification module for notifying the consumer and the supplier server whether the transaction specialized data is authenticated; A payment settlement request module for requesting the payment to the financial institution server when the supplier server, which has received an authentication notification from the notification module, requests payment of the payment presented in the transaction specialized data; A payment history generation module for generating related details data on the payment after the payment between the commerce parties is completed; A client server monitoring module configured to monitor an abnormal operation of the provider server and the financial institution server; A monitoring module for monitoring whether the transaction procedure is normally performed by comparing the payment related detail data with the transaction specialized data; An unprocessed payment history management module for managing an unprocessed payment history of a corresponding commerce generated due to an abnormal process of the commerce; A security module for preventing malicious access from the outside to secure the transaction history data and the information of the commerce subject; A storage database (DB) for storing data calculated from each module or necessary for driving each module; E-commerce online payment system, characterized in that it comprises a control unit responsible for the transfer of information between each module and the proper processing of information. The method of claim 1, wherein the storage DB A transaction specialty DB for storing the transaction specialty data; A consumer password DB for storing the consumer password required for authentication of the transaction; An authentication key DB for storing the unique transaction authentication key; A payment history DB for storing related detail data about the payment; A supplier server DB for storing information related to the supplier server and a password of the supplier server required for authentication of the transaction; A financial institution server DB for storing information related to the financial institution server and a password of the financial institution server necessary for authentication of the transaction; E-commerce online payment system, characterized in that it comprises an unprocessed history DB for storing the outstanding payment history. The electronic commerce online payment system of claim 1, wherein when the consumer logs on the supplier server to purchase goods and services, the user is logged on to the financial institution server at the same time by a payment system link module provided in the supplier server. . The method of claim 1, wherein the monitoring of the abnormal operation of the supplier server and the financial institution server by the client server monitoring module mutually contracts normal operation discrimination reference data between the system, the supplier server and the financial institution server; The supplier server and the merchant financial institution server periodically transmit the normal operation discrimination reference data to the system; And the controller is configured to determine whether the mutually agreed data is identical to the transmitted data. The method of claim 1, wherein the notification module When the supplier server and the financial institution server request confirmation of the payment settlement status, when the payment settlement situation and the transaction specialized data processing are abnormally terminated, payment is impossible for the transaction to the transaction subject, and the supplier server and the financial institution server E-commerce online payment system, characterized in that further notification to the transaction entity of the operation status of the two servers.