KR20080067999A - Electronic payment method - Google Patents

Abstract

An electronic payment method is provided to enable an issuer to issue an electronic certificate easily, and enable a receiver to receive the surely guaranteed electronic certificate and discount the received electronic certificate at a low fee by suspending payment of a card payment amount, an electronic bill, the electronic certificate, cash, and credit of the issuer. Payment of electronic certificates deposited in an issuer account is suspended and the electronic certificate having a fixed discount rate is issued to a receiver account(130). A receiver issues the electronic certificate to other receivers in position of the issuer(140). A request for paying for the electronic certificate is received from the receiver. A server traces paths of all electronic certificates related to the requested electronic certificate when the receiver requests the payment of the electronic certificate before expiration of the electronic certificate(170). The server pays the electronic certificate to the receiver by deducting the discount rate from a first electronic certificate included in the traced paths(180).

Description

Electronic payment method {ELECTRONIC PAYMENT METHOD}

The present invention relates to an electronic payment method, and more particularly, the issuer issues an electronic certificate to the recipient, and the contract amount is transferred to the account of the recipient after the expiration date of the electronic certificate, and before the expiration date of the electronic certificate. Becomes the issuer and can issue electronic certificates to other recipients.If the final recipient requests payment of the electronic certificate before the expiration date of the electronic certificate, the path of the electronic certificate will be tracked and the cash will not be settled. By deducting and cashing the cashing fee by applying the cashing fee rate from the first electronic certificate, the issuer can easily issue an electronic certificate using the purchase card price, electronic bill, electronic certificate, cash, credit, etc. received. Recipients will be automatically suspended from the system to receive secured electronic certificates, Accordingly, the electronic certificate can be easily cashed at a low fee, and financial institutions and system providers can earn commissions from the system provision. The issuer pays SME promotion compensation when the recipient cashes the electronic certificate. The present invention relates to an electronic payment method that can receive additional revenue.

Korean Patent Publication No. 10-2007-0039015 (Application No.:10-2007-0028385, cited invention) discloses an electronic payment method.

In the above-mentioned cited invention, the issuer issues an electronic certificate to the recipient, the amount of the certificate is transferred to the recipient's account after the expiration date of the electronic certificate, and before the expiration date of the electronic certificate, the recipient requests the payment of the electronic certificate. The present invention relates to an electronic payment method for calculating and paying a fee including a fee to be provided to a financial institution and a system provider and a fee to be paid to the issuer.

However, in the above-mentioned conventional cited invention, when the recipient requests the payment of the electronic certificate, the electronic certificate of the issuer's account is not cashed, so a loan must be generated, and the electronic certificate of the upper account is in turn loaned. There was a problem that must occur.

In other words, in order for loans to be generated at each stage, each recipient must make a loan agreement with a financial institution.In order to make an agreement, the current financial system must include the credit ratings of the recipients. In addition, when a loan is generated, the loan of the actual financial institution is only the first stage amount, but the loan is treated as the staged loan has occurred, so that the loan of the financial institution has occurred a lot, the total loan limit is reduced, and all the provisions are accumulated. There have been many problems, including reduced revenue for the institution and the need for dual risk management.

The present invention is to solve the problems of the prior art as described above, the issuer issues an electronic certificate to the recipient, the contract amount is transferred to the account of the recipient after the expiration date of the electronic certificate, before the expiration date of the electronic certificate The recipient becomes the issuer and can issue the electronic certificate to other recipients.If the final recipient requests payment of the electronic certificate before the expiration date of the electronic certificate, the recipient will track the path of the electronic certificate and settle cash By deducting and cashing the cashing fee by applying the above cashing fee rate from the first electronic certificate that has not been issued, the issuer can easily use the received purchase card price, electronic bill, electronic certificate, electronic certificate, cash, credit, etc. Recipients will be automatically suspended from the system to receive secured electronic certificates. If necessary, the e-certificate can be easily cashed at a low fee.Financial institutions and system providers can earn commission income from the provision of the system. Its purpose is to provide an electronic payment method that is effective in receiving additional rewards for promotion.

Electronic payment method according to the present invention, in the electronic payment method using a server, a network, a terminal connected to the server through the network and a financial institution computer network connected to the network, the electronic certificate of the issuer's account is paid An electronic certificate issuing step of issuing and issuing an electronic certificate in which the cashing fee rate is set in the account of the receiving company; A repeating step in which the recipient becomes an issuer and performs the electronic certificate issuing step with an account of another recipient; A payment request step of requesting cash payment of the amount of any one electronic certificate; A tracking step of tracking, by the server, all electronic certificates related to the electronic certificate if the request date of the payment request step is before the expiration date of the electronic certificate; The cashing step of deducting and cashing the cashing fee by applying the cashing fee rate from the first electronic certificate that is not settled in cash among the path tracked in the tracking step.

In the cashing step, a portion of the cashing fee deducted by the cashing fee rate of any one electronic certificate is added to the issuer of the electronic certificate as a SME promotion reward, or the cashing fee rate of any one of the electronic certificates in the cashing step. SME promotion compensation payment step of paying by adding a portion of the cashing fee deducted by the electronic certificate as a SME promotion compensation to the issuer of the electronic certificate; preferably.

The issuance step of the electronic certificate is presented to the issuer, the amount of the non-paid electronic certificate in the issuer's account, the cashing fee rate, the expiration period, and selects the electronic certificate and the amount to be suspended. According to the present invention, a weighted average of the cash fees is calculated, and a predetermined value is added to the weighted averages to be presented as the cash fees of the electronic certificate to be issued.

In the issuance of the electronic certificate, it is preferable to present to the issuer a cash commission rate of the electronic certificate to be issued, which can be combined, from the amounts of the unpaid electronic certificate in the issuer's account.

The electronic certificate issuing step includes receiving an input of the expiration period of the electronic certificate to be suspended and subjecting the electronic certificate to which the expiration period of the non-paid electronic certificate in the issuer's account falls within the range. It is preferable to set it as.

Here, "issuing company", "recipient company" means the account, account, etc. of the name of the financial institution of these companies or the company name specified in the system according to the invention. "Electronic Certificate" is a document, electronic document, or electronic signal proving that there is a payment amount, a bond, etc., or a contract for payment of the amount stated by the expiration date. It is used as a generic term that is similar or includes it. Hereinafter, the same meaning is used herein.

As described above, according to the present invention, the issuer can suspend payment of purchase card payment, electronic bill, electronic certificate or cash, credit, etc. and easily issue the electronic certificate. You can receive a secure e-certificate, and if necessary, you can easily discount the e-certificate at a low fee. In addition, financial institutions and system providers can earn commission income from the provision of the system, and the issuer can receive additional income by receiving SME promotion compensation when the recipient cashes the electronic certificate.

Hereinafter, with reference to the drawings will be described in detail. However, these drawings are for illustrative purposes only and the present invention is not limited thereto.

1 is a system diagram according to an embodiment of the present invention.

Referring to FIG. 1, the present invention is composed of a server 10, a network 30, a terminal 40, a financial institution 50, a bank, and the like. The financial institution 50 refers to a server of a financial institution or an account of a financial institution connected to the network 30 through a bank computer network.

The server 10, the member DB 11, account DB 12, electronic certificate DB 13, cash commission rate setting module 16, electronic certificate issuance module 17, payment request module 18, path tracking It includes a module 19, a cashing module 20, small and medium business promotion compensation payment module 21.

The member DB 11 is a member of the issuer and the recipient, and the member is authorized to issue and receive electronic certificates. A company that can issue an electronic certificate may be issued a physical card in the form of a purchase card, and only a card number may be issued to make a payment using a public certificate on a network. An ID, password, public certificate, and OTP card may be issued. It can be authenticated by using all passwords, USB tokens, etc., or a combination of some of them.

The member DB 11 is preferably issued as a member even when only receiving the electronic certificate without issuing it.

The account DB 12 is a DB in which information on an electronic certificate issued or received by each member is recorded. The account DB 12 may be configured integrally with the member DB 11.

The electronic certificate DB 13 is a database in which information related to the issued electronic certificate is recorded, and is composed of fields such as a contract amount, a contract date, a cash request date, a cash file, and a cash commission rate. The electronic certificate of the electronic certificate DB 13 and the electronic certificate of the account DB 12 are preferably cross-checked with each other.

Recipient, contract amount and contract date of the electronic certificate shall be determined and issued by the issuer.

The date of payment is actually the date on which the commitment was cashed, the date on which the recipient requested the cashing of the commitment, and the cash date is the date on which the issuer deducts the commission according to the contract amount or the cash commission rate, The cash commission rate is the commission rate deducted by the issuer when cashing an electronic certificate, and is the commission rate that the recipient must bear when cashing the electronic certificate.

The member DB 11, the account DB 12, the electronic certificate DB 13 may be integrated into a single DB as necessary, or may be divided into a plurality of DBs.

The cashing fee rate setting module 16 is a module for setting the cashing fee rate of the electronic certificate issued by the issuer.

When the issuer is requested to issue an electronic certificate through the terminal, the cashing fee rate setting module 16 displays a list and information of the electronic certificate in the issuer's account on the issuer's terminal, and the issuer issues the issuer. After selecting the amount and contract date of the electronic certificate, selecting one or more of the displayed electronic certificates, and selecting the amount of the selected electronic certificate, obtains the weighted average of the cashing fee rate by the amount of the electronic certificate, Set the cashing fee rate of the electronic certificate to be issued by adding predetermined values (system fee, operation fee, server fee, SME promotion compensation fee, etc.) to the average cashing fee rate. At this time, it is possible to display all electronic certificates in the issuer's account, but it is preferable to display only electronic certificates whose contract dates remain above a predetermined period or when the contract dates are after a predetermined date. It is more advantageous for the issuer to suspend the electronic certificate that has more contracted date and to use it as cash immediately after cashing out the electronic certificate that has more contracted date than the suspension of the electronic certificate with the contracted date remaining. Because. If the issuer wishes, the electronic certificate may be suspended for a short time.

The cashing fee rate setting module 16 may display the electronic certificate in the issuer's account on the issuer's terminal as above and allow the issuer to select the electronic certificate to be stopped. You can also select an electronic certificate to automatically stop payments by simply setting a cash commission rate. That is, the amount of the electronic certificate to be issued on the issuer's terminal and the contract date and the cashing fee rate may be displayed (the issuer may input arbitrarily), and the amount and the contract date of the electronic certificate to be issued by the issuer, and If the cashing fee rate is selected, the cashing fee rate of the electronic certificates in the issuer's account becomes equal to the cashing fee rate minus a predetermined value (system fee, operation fee, server fee, SME promotion compensation fee, etc.). Find the combination of median means. In the case of a large number of combinations, the issuer may be forced to select the one that is most favorable to the issuer (the combination with the lowest contract date, the combination of electronic certificates with low issuer credit rating, etc.), or the issuer may make a choice.

If the issuance fee setting module 16 selects the issuance amount of the electronic certificate to be issued and the contract date (expiration date), the cashing fee rate setting module 16 displays the cashing fee rate combined from the electronic certificates in the issuer's account on the issuer's terminal. It is also possible to have the issuer choose any of the displayed cashing fees.

The electronic certificate issuing module 17 stops the payment of the corresponding amount of the electronic certificate selected at the time of setting the cashing fee rate when the cashing fee rate setting module 16 is set, and issues the electronic certificate of the recipient company. The electronic certificate will be delivered electronically to the addressee. Electronic certificates are processed similarly to ordinary electronic bills or purchase card payment slips. If necessary, the recipient may be notified separately that the electronic certificate has been issued or may be issued in real life. The issued electronic certificate should also appear in the issuer's account.

The payment stop may be performed by a separate payment stop module, or the cash commission rate setting module 16 may be performed. If payment is made from the issuer after the future contract date has elapsed, the suspension of the electronic certificate will be canceled and the payment will be suspended for the deposited cash. It is desirable to. In financial institutions, it is preferable to operate cash with high interest rates such as MMF and CMA for cash deposited into the issuer's account to receive high interest even though payment is suspended.

The payment request module 18 requests the recipient who received the electronic certificate to cash out the electronic certificate as necessary, and provides the payment request screen to the recipient and prepays the contract amount at the request of the recipient. request.

If either recipient receives a request for payment of the electronic certificate received through the payment request module 18, the path tracking module 19 tracks all paths related to the issuance of the electronic certificate requested by the recipient. do. That is, the electronic certificate paid for issuing the electronic certificate issued for payment is issued, and the electronic certificate paid for issuing the suspended payment electronic certificate is continuously tracked. If the electronic certificate has already been cashed (if the deposit has been received from the issuer after the contract date), it no longer needs to be tracked.

The cashing module 20, in turn, cashes from the first electronic certificate among the electronic certificates tracked by the path tracking module 19. That is, deduct the cashing fee rate of the first electronic certificate tracked and deposit it in cash. It is the same as that of making the loan to the recipient of the first electronic certificate as collateral for the first electronic certificate. It is advisable that issuers or recipients agree to accept loans as collateral for the suspended electronic certificates if the electronic certificates that were suspended at the time of membership registration or issuance of the electronic certificate become the first electronic certificates and must be borrowed. Do.

The cashing module 20 generates a loan and cashes the first electronic certificate, and subsequent electronic certificates continue to deduct a fee according to the cashing fee rate from the issuer's account and cash the electronic certificate of the recipient.

SME promotion compensation payment module 21 pays a part of the fees deducted by the cash commission rate to the issuer as a SME promotion compensation in return for payment by the electronic payment method according to the present invention so that the recipient does not meet the chain failure. The SME promotion rewards may be renamed as necessary.

The server 10 may be regarded as a financial institution 50 when a service is provided by the financial institution 50, and in this case, the server 10 and the financial institution 50 are regarded as the same component.

2 is a flowchart of one embodiment according to the present invention.

Referring to Figure 2, the issuer requests the electronic certificate issuance 110 to the electronic payment system according to the present invention.

When requesting the issuance of an electronic certificate (110), the information on the receiving company, the contract amount, the contract date, and the like are requested. If the recipient is not a member, it can be proceeded after the recipient is registered as a member, or if necessary, an electronic certificate can be issued to the recipient who is not a member, and the recipient can be a member.

The server sets the cashing fee rate by allowing the issuer to automatically inform the issuer of the selectable cashing fee rate so as to select the cashing fee rate or by selecting electronic certificates in the issuer's account so that the cashing fee rate is calculated.

Once the cash commission rate is determined, an electronic certificate is issued 130 to the account of the recipient. An electronic certificate may not be issued if it lacks collateral, such as the issuer's request (contract) exceeds the range of the electronic certificate held by the issuer. At this time, the secured electronic certificates will be suspended.

Recipients receiving the electronic certificate may be repeated (140: repetition step) of issuing the electronic certificate or cash and other cashable goods as an issuer and issuing the electronic certificate to other recipients.

Upon receipt of the electronic certificate, the recipient receives payment 150 after the contract date (expiration date). The payment of the commitment is carried out by the transfer of the amount from the issuer's account to the recipient's account.

Recipients receiving the electronic certificate may request 160 the cashing (payment of the contract amount) to the financial institution even if the contract date (expiration date) has not passed. The cashing request 160 is paid before the contract date and deducts the cost according to the cashing fee rate set by the issuer and is paid 180.

When the recipient makes a cashing request 160 to a financial institution, the server of the financial institution tracks all the paths in which the cashed electronic certificate is issued and searches for the first electronic certificate in each path.

From the first electronic certificate, cashing 180 is made in sequence. Cashing 180 for the first electronic certificate is performed in the form of lending to the recipient of the first electronic certificate in a financial institution. The other electronic certificates, except for the first electronic certificates, are cashed 180 in the form of depositing cashed money from the issuer.

As the cash 180 is made, some of the fees generated by the cash commission rate are paid to the issuer as SME promotion rewards (190).

SME promotion compensation is about 1/2 of the fee due to the difference between the cashing fee rate of the receiving company of any one electronic certificate and the cashing fee rate of the electronic certificate (meaning the stopped electronic certificate) received by the issuer. SME promotion compensation may not be paid if necessary, or the payment rate may be increased or increased.

The fee generated by the cash commission rate consists of system fees, management fees, and SME promotion compensation. The system fee is provided to the system provider according to the present invention, the management fee is provided to the financial institution, and the SME promotion compensation is issued to the issuer. System fees and management fees are set by system providers and financial institutions.

An embodiment of the present invention according to FIGS. 1 and 2 is as follows. Hereinafter, it is assumed that the cashing fee rate of the electronic certificate to be issued adds 0.2% a month to the cashing fee rate of the electronic certificate to be suspended in the issuer's account.

Case 1

When Company A receives the equivalent of 100 million won from Company B and pays it after 3 months, and the commission rate is 0.5% per month, issuing Electronic Certificate 1

Firm A (assuming that Firm A has high creditworthiness, so that financial institutions should issue trade receivables or electronic certificates by credit), the recipient: Firm B, issue date: 2008.3.1, contract date (payment date): 2008.6 .1, the cashing fee rate: Electronic certificate 1 was issued on the condition that 0.5% per month (fee is the discount rate set by the financial institution if the discounter B makes a discount, and is arbitrarily determined by the financial institution). At this time, financial institutions often have collateral such as real estate, cash, and credit for issuing Electronic Certificate I.

Firm B required the immediate cashing of the electronic certificate and requested immediate cashing of the electronic certificate received from Firm A.

In the electronic payment system according to the present invention, the company B tracks the issuance path of the electronic certificate 1 that has requested the cashing, and it is concluded that only the electronic certificate 1 needs to be cashed.

In the electronic payment system according to the present invention, the company B calculates 100 million * 3 months * 0.5% = 1,500,000 won as cash fee to be paid by the company B, and generates 100 million won loan with the electronic certificate 1 as collateral from the bank. The company transferred KRW 98,500,000, excluding KRW 1,500,000, to Company B's account. In the future, if 100 million won is received from the company A, it is used to pay back the 100 million won. In other words, Company B receives the electronic certificate 1 at a rate of 0.5% per month.

Case 2

When Company A receives the equivalent of 100 million won from Company B and pays it after 3 months, and the commission rate is 0.5% per month, issuing Electronic Certificate 1

Firm A (assuming that Firm A has high creditworthiness and that financial institutions issue bonds or electronic certificates by credit) is the recipient: Firm B, issue date: 2008.3.1, contract date (payment date): 2008.6 .1, the cashing fee rate: Electronic certificate 1 was issued on the condition that 0.5% per month (fee is the discount rate set by the financial institution if the discounter B makes a discount, and is arbitrarily determined by the financial institution).

Firm B did not need immediate cashing on Electronic Certificate 1 and had Electronic Certificate 1 received from Company A.

In 2008.5.1, Company B received goods worth KRW 70 million from Company C and settled in three months. The cashing fee rate is 0.7% per month (the cashing fee rate of Electronic Certificate 2 to be issued is the cashing fee rate of Electronic Certificate 1 to be suspended). 0.2% is added per month, which is determined by the electronic payment system or financial institution according to the present invention).

Company B has suspended payment for 70 million won of the amount of Electronic Certificate 1, and the recipient of Electronic Certificate 2 is Company: Company C. Issue Date: 2008.5.1, Agreement Date (Payment Date): 2008.8.1, Fee: 0.7% per month Issued on condition. At this time, 70 million won of the amount of the electronic certificate 1 can not be cashed in company B arbitrarily.

Firm C needed instant cashing of Electronic Certificate 2 and requested immediate cashing of Electronic Certificate 2 received from Firm B.

In the electronic payment system according to the present invention, the electronic C certificate 1 (cash amount: 70 million won) and electronic certificate 2 (cash amount: 70 million won) must be cashed by tracking the issuance path of the electronic certificate 2 that the company C requests for cashing. Also, we confirmed that electronic certificate 1 is the first electronic certificate.

Step 1: In the electronic payment system, the total cashing fee of 70 million won, which is equivalent to 70 million won of electronic certificate 1, was calculated to be 70 million won * 1 month * 0.5% = 350,000 won, and 69,650,000 won deducted from it were deposited into Company B's account. The cash fee of KRW 350,000 can be used for interest (bank share), system usage fee (for electronic payment system share), management fee (for bank share), etc., but it is assumed that it is used only for interest (bank share).

Step 2: In the electronic payment system, the total cashing fee of 70 million won, which is equivalent to 70 million won of Electronic Certificate 2, was calculated to be 70 million won * 3 months * 0.7% = 1,470,000 won, and 68,530,000 won deducted from the company B account to the company C account. In this step, the cash payment fee received from Company B's account in the electronic payment system is 420,000 won (0.2 million won * 3 months * cash fee difference 0.2%) (difference of cash fee rate 0.2% = cash fee fee of Electronic Certificate 2). 0.7%-the cash commission rate of Electronic Certificate 1 0.5%). The cash payment fee of 420,000 won is used for system usage fee (quote of electronic payment system, assumed at 105,000 won), management fee (share of banks, assumed at 105,000 won), and SME promotion compensation (company B, assumed at 210,000 won).

Here, the remaining period of the electronic certificate 1 and the electronic certificate 2 is 69,650,000 won deposited in the company B's account in the first step, and 700,000 won except the 68,530,000 won and the pure cash fee 420,000 won in the second company's account. Firm B's revenue (70 million won * 2 months * 0.5%) generated by the difference

Looking at each company's profit and loss, Company A does not have any profit or loss because it pays 100 million won in due time (2008.6.1), and Company B is caused by the difference between the remaining periods of Electronic Certificate 1 and Electronic Certificate 2. A profit of 700,000 won and SME promotion rewards of 210,000 won is generated, and Company C has the advantage of being able to cash it three months early, although it pays a cashing fee of 1,470,000 won. The company earns interest of KRW 350,000 and management fee of KRW 105,000, and the electronic payment system operator generates revenue of system usage fee of KRW 105,000.

Case 3

When Company A receives the equivalent of 100 million won from Company B and pays it after 3 months, and the commission rate is 0.5% per month, issuing Electronic Certificate 1

Firm A (assuming that Firm A has high creditworthiness, so that financial institutions should issue trade receivables or electronic certificates by credit), the recipient: Firm B, issue date: 2008.3.1, contract date (payment date): 2008.6 .1, the cashing fee rate: Electronic certificate 1 was issued on the condition that 0.5% per month (fee is the discount rate set by the financial institution if the discounter B makes a discount, and is arbitrarily determined by the financial institution).

Firm B did not need immediate cashing on Electronic Certificate 1 and had Electronic Certificate 1 received from Company A.

In 2008.4.1, Company B receives goods worth KRW 70 million from Company C and pays after 3 months. The cashing fee rate is 0.7% per month (the cashing fee rate of Electronic Certificate 2 to be issued is the cashing fee rate of Electronic Certificate 1). 0.2% is added per month, which is determined by the electronic payment system or financial institution according to the present invention).

Company B suspends payment of 70 million won out of the amount of E-Certificate 1, and the recipient of E-Certificate 2 is Company C, Issue Date: 2008.4.1, Commitment Date (Payment Date): 2008.7.1, Fee: 0.7% per month. Issued as a condition. At this time, 70 million won of the amount of the electronic certificate 1 can not be cashed in company B arbitrarily.

Firm C did not need immediate cashing on Electronic Certificate 2, and had Electronic Certificate 2 received from Company B.

In 2008.5.1, Company C received 50 million won worth of goods from Company D and settled three months later. The cashing fee rate is 0.9% per month (the cashing fee rate of Electronic Certificate 3 to be issued is the cashing fee rate of Electronic Certificate 2 to be suspended). 0.2% is added per month, which is determined by the electronic payment system or financial institution according to the present invention).

Company C has suspended payments for 50 million won out of the amount of E-Certificate 2, and the recipient of E-Certificate 3 is: Company D. Issue Date: 2008.5.1, Commitment Date (Payment Date): 2008.8.1, Fee: 0.9% per month Issued as a condition. At this time, 50 million won of the amount of the electronic certificate 1 can not be cashed in company C arbitrarily.

Firm D required the immediate cashing of Electronic Certificate 3 and requested immediate cashing of Electronic Certificate 3 from Company C.

In the electronic payment system according to the present invention, by tracking the issuance path for the electronic certificate 3 that the company D requested to be cashed, electronic certificate 1 (cash amount: 50 million won), electronic certificate 2 (cash amount: 50 million won), electronic certificate 3 (cash amount: 50 million won) should be cashed, and electronic certificate 1 was confirmed as the first electronic certificate.

Step 1: In the electronic payment system, the cashing fee of 50 million won, which is equivalent to 50 million won of electronic certificate 1, was calculated to be 50 million won * 1 month * 0.5% = 250,000 won. The fee of KRW 250,000 may be used for interest (bank share), system usage fee (for electronic payment system share), management fee (for bank share), etc., but it is assumed that it is used only as interest (bank share).

Step 2: In the electronic payment system, the total cashing fee of 50 million won, which is equivalent to 50 million won of electronic certificate 2, was calculated to be 50 million won * 2 months * 0.7% = 700,000 won, and 49,300,000 won deducted from company B's account to company C's account In this step, the cash payment fee received from Company B's account in the electronic payment system is 200,000 won (0.2 million won * 2 months * cash fee difference 0.2%) (difference of cash fee fee 0.2% = cash fee fee of Electronic Certificate 2). 0.7%-the cash commission rate of Electronic Certificate 1 0.5%). The cash payment fee of 200,000 won is used for system usage fee (quote of electronic payment system, assumed at 50,000 won), management fee (share of banks, assumed at 50,000 won) and SME promotion compensation (share of company B, assumed at 100,000).

Here, the remaining period of the electronic certificate 1 and the electronic certificate 2 is 49,750,000 won deposited in the company B's account in the first step, and 250,000 won except the 49,300,000 won transferred to the company B's account in the second step and 200,000 won in pure cash fees. Firm B's profit (50 million won * 1 month * 0.5%) generated by the difference

Step 3: In the electronic payment system, the total cashing fee of 50 million won, 3 months * 0.9% = 1,350,000 won, which is equivalent to the total of 50 million won of electronic certificates, was calculated, and 48,650,000 won was deducted from the company C account to the company D account. In this step, the cash payment fee received from the company C's account in the electronic payment system is 300,000 won (0.2 million won * 3 months * cash fee difference 0.2%) (difference of cash fee fee 0.2% = cash fee rate of electronic certificate 3). 0.9%-the cash commission rate of Electronic Certificate 2 0.7%). The cash payment fee of 300,000 won is used for system usage fee (quote of electronic payment system, assumed to be 75,000 won), management fee (share of banks, assumed to be 75,000 won) and SME promotion compensation (company B, assumed to be 150,000 won).

Here, the remaining period of the electronic certificate 2 and the electronic certificate 3 is 49,300,000 won deposited in the company B's account in the second step, and 350,000 won except the 48,650,000 won transferred to the company C's account in the third step and 300,000 won in net cash fee. This is the profit of Company B generated by the difference (50 million won * 1 month * 0.7%).

Looking at the profit and loss of each institution, Company A has to pay 100 million won to be paid at the appointed time (2008.6.1), so there is no profit or loss, and Company B earns 250,000 from the difference between the remaining periods of Electronic Certificate 1 and Electronic Certificate 2 Revenues of KRW 100 million and SME promotion rewards are generated, while Company C generates profits of KRW 350,000 and SME promotion compensation KRW 150,000, based on the difference between the remaining periods of Electronic Certificate 2 and Electronic Certificate 3, while Company D earns KRW 1,350,000. Although it pays the cash fee of KRW, it has the advantage of being able to cash it three months early, and financial institutions generate interest of KRW 250,000 and monthly management fee of KRW 125,000 (KRW 50,000 + KRW 75,000). The electronic payment system operator generates a profit of 125,000 won (50,000 won + 75,000 won).

As can be seen in the above examples, in the electronic payment method according to the present invention, the end company loses the cash fee, but can actually cash the electronic certificate at a lower cost than elsewhere. Unlike other companies, there is no claim, so it is not affected by the bankruptcy of the top issuer, which means that virtually all related companies and institutions generate profits.

1 is a system configuration in an embodiment according to the present invention.

2 is a flow diagram of one embodiment according to the present invention.

*** Explanation of main parts of drawing ***

10. Server 11. Member DB

12. Account DB 13. Electronic Certificate DB

16. Cash commission rate setting module 17. Electronic certificate issuance module

18. Payment request module 19. Path tracking module

20. Cash module 21. Small and medium business compensation payment module

30. Network 40. Terminal

50. Financial Institutions

110. Request for Issuance of Electronic Certificates 120. Establishment of Cash Fee Rates

130. Electronic Certificate Issuance Step 140. Repeat Step

150. Payment stage (deed amount) 160. Payment request stage

170. Path tracking step 180. Cashing step

190. SME Promotion Compensation Payment Stage

Claims (5)

In the electronic payment method using a server, a network, a terminal connected to the server through the network and a financial institution computer network connected to the network, An electronic certificate issuing step in which the electronic certificate of the issuer's account is stopped and the electronic certificate having a predetermined cashing fee is issued to the recipient's account; A repeating step in which the recipient becomes an issuer and performs the electronic certificate issuing step with an account of another recipient; A payment request step of requesting cash payment of the amount of any one electronic certificate; A tracking step of tracking, by the server, all electronic certificates related to the electronic certificate if the request date of the payment request step is before the expiration date of the electronic certificate; And a cashing step of deducting and cashing a cashing fee by applying the cashing fee rate from the first electronic certificate that is not settled in cash among the paths tracked in the tracking step. The method of claim 1, In the cashing step, a portion of the cashing fees deducted by the cashing fee rate of any one electronic certificate is added to the issuer of the electronic certificate as a SME promotion reward, or SME promotion compensation payment step of paying a portion of the cashing fee deducted by the cashing fee rate of any one electronic certificate in the cashing step added to the issuer of the electronic certificate as SME promotion compensation. The method according to claim 1 or 2, The electronic certificate issuance step, Provide the issuer with the amount of the unpaid electronic certificate in the issuer's account, the cashing fee rate, and the expiration period; When you select the electronic certificate and the amount to stop paying, Obtain a weighted average of the cash commission rate according to the amount; A predetermined value is added to the weighted average and is presented as a cashing fee rate of an electronic certificate to be issued. The method according to claim 1 or 2, The electronic certificate issuance step, And presenting to the issuer a cash commission rate of the electronic certificate to be issued, which can be combined, from the amounts of the unpaid electronic certificate in the issuer's account. The method of claim 4, wherein The electronic certificate issuance step, Input the expiration period of the electronic certificate to stop payment, And an electronic certificate whose expiration period of the non-paid electronic certificate in the issuer's account falls within the range.

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