KR20060067376A - Cashcard on-line payment van service - Google Patents

Abstract

The present invention relates to an online payment agency, the customer having a cash card in the payment window of the VAN company entering the resident number, cash card number, cash card password; The payment agency receiving the input information and sending it to the financial institution; Determining whether the payment is approved after confirming the authenticity of the information received by the financial institution; After payment approval, deducting the fee from the financial institution and transferring it to VAN company; VAN deducts its fee among the transferred payment price and then settles the corresponding online shopping mall.

Cash card, payment agency

Description

       Online payment VAN service using cash card {Cashcard on-line payment VAN service}             

       1 is a block diagram showing the concept of a method of payment transfer account transfer

Figure 2 is a block diagram showing the concept of a payment proxy method using a cash card according to the present invention

The technical field to which the present invention belongs may be referred to as an online payment service field, and payment methods currently used in these fields may be divided into credit cards, bank transfers, mobile phones, and ARS. Each of these payment methods enters credit and personal information related to the payment method selected by a customer who wants to purchase a service or a product through an online store, and then pays for the goods and services. If it is correct, the financial company or the telecommunications company metabolizes the customer information on each company's database and generates a payment when the input information matches, and pays the payment price to the shopping mall by the financial company or the telecommunication company. After deducting the company's fee through the company's funds, the company transfers it to the online shopping mall through VAN company, and collects the corresponding money from the customer afterwards, whereas the bank transfer payment service is performed by the bank after deducting the fee The difference is that it is sent to an online shopping mall through VAN. have.

If any of the payment means used online is the most similar to the present invention, it would be a wire transfer payment service. The reason for this is that in the case of online payment using a cash card, the subsequent process is the same as the transfer payment service except that the cash card number is entered instead of the account number. Therefore, the technical problem to be achieved by the present invention is that when a customer enters a cash card number, the customer's account number associated with it must be found in the bank host to perform a payment process such as an existing account transfer payment service.

Hereinafter, described in detail by the accompanying drawings as follows.

2 is a structural diagram of an online payment process using a cash card, in which a customer accesses an online store through the Internet, selects goods and services, and pays the bills on the web without visiting the bank or the like. In the case of using a cash card as a device, customers select their services and products as shown in ①, and enter their cash card number, cash card password and social security number into the given payment window (②). In addition, VAN, which has been requested for this, asks the bank to check if the customer's input information matches the customer's information in the database held by the bank, and if it does, request a transfer of the corresponding source (③). The bank transfers the amount excluding the banking fee to VAN only when the bank agrees with each other through metabolism between the customer's input information sent from VAN and its database information (④). Therefore, VAN notifies the online store of the bank's processing results (⑤), and the online store notifies the customer of the notification from VAN, and then provides the goods and services to the customer (⑤). After deducting the agency fee, the company sends it to the online store and pays the tax invoice. This allows customers to pay online without having to visit a bank using a cash card or visit an ATM.

As described above, the present invention is to enable payment online using a cash card, and in the case of people who do not have an existing credit card, there was a mobile phone or ARS payment as a method of replacing a small payment, but a large amount (usually tens of thousands of won) In the case of the above), payment by wire transfer was the only alternative. However, in the case of payment by bank transfer, payment was sometimes difficult if no one remembered the account number or had a bank account. Through the invention, customers can conveniently make a large amount of online payment by using a cash card that can be carried at all times like a credit card.

Claims (1)

In online payment, After a customer purchases a service or product, ask the online store to pay for it, The online store receiving the payment request to make a payment request to the VAN company. The VAN company that has been requested to pay the transfer to the bank, After the customer's input information of the requested content and the ambassador of the customer information in the database match, transfer the VAN to the VAN company after deducting the bank fee. The VAN that transfers the funds to notify the online store of the fact, and the online store notified to the customer of the completion of payment; The new payment method of the online payment, characterized in that the VAN company deducts the corresponding fee from the payment price for the online store that shipped the goods after the above step and then settles it.

Images