KR20140139397A

KR20140139397A - Serial number virtual currency issue system, payment system and method

Info

Publication number: KR20140139397A
Application number: KR1020130060010A
Authority: KR
Inventors: 이용석
Original assignee: 이용석
Priority date: 2013-05-27
Filing date: 2013-05-27
Publication date: 2014-12-05

Abstract

The present invention relates to an electronic money issuing and paying method which generates electronic money, which can be recharged and classified using a serial number, issues the electronic money to an online product purchaser, and enables the electronic money with the serial number to be used as a payment means at an online product selling store. Various payment means can be used for an online business. In order for the online product seller store to use the various payment means, the seller store must be linked with a payment system of a payment proxy company, and linking modules are to be installed on the respective payment means. Also, an environment required for the payment means must be built on a terminal of a product buyer, and personal information and financial information must be used. Issuing the electronic money with serial numbers is similar to buying a current online product. However, virtual money, rather than a normal product, is bought. The serial number can be made automatically or made by a user himself. When a product payment is performed by using the issued electronic money with serial numbers, the serial numbers are used for payment, such that no environment is required to be built on a terminal and no personal Information and financial information is required. Thus, there is no risk of information leakage, and products can be bought using various terminals.

Description

Technical Field [0001] The present invention relates to a serial number electronic money issuing system, a serial number electronic money issuing system, a serial number electronic money issuing system, a serial number electronic money issuing system, a serial number electronic money issuing system,

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic money system and an electronic money payment system and a payment method, and is capable of creating a chargeable electronic money (virtual currency, cybercash) using a serial number, Or you can create your own

An electronic money system, an electronic money payment system, and a payment method.

Purchasing products or contents online is increasing, and purchasers are diversifying not only in shopping malls but also in contents, games, and smartphone apps. In addition, various handsets such as PCs, Smart Phones, and Tablet PCs are coming out.

In order to purchase a product of an online commodity selling company in such a variety of terminal environments, the commodity purchaser must install the commodity in the terminal according to a payment method for purchasing the commodity. Thus, since the online buying transaction itself is difficult and complicated, .

In addition, a merchandiser who sells an online product must establish a settlement system environment based on the type of settlement (credit card, bank transfer, mobile phone, account transfer, etc.) It is difficult for a merchandise seller to establish a payment system for each payment agent.

In addition, there is a problem in that personal information and financial information of a purchaser of goods are used whenever an online product is purchased, thereby increasing the possibility of leakage of personal information. In the case of a company that performs corporate promotion or product marketing, The process is necessary and the process is complex.

In order to solve the above-described problems, the present invention enables electronic money, which can be used by all online merchandise retailers, to be substituted for personal information and financial information in a single settlement process. The present invention also provides a serial number electronic money that simplifies a payment system of a merchandise sales company and can be used without limitation in the terminal environment of a merchandise purchaser for online merchandise purchase.

In addition, the serial number electronic money does not require personal information and financial information when purchasing a product, so that the purchaser can make purchases without using personal information, simplifying the purchase process, and promoting or marketing the product And to promote e-commerce activities by providing efficient ways for businesses.

When the user issues or charges the serial number electronic money, the user's own personal information and financial information are required. However, when an online purchaser purchases a product using serial number electronic money, it may not use personal information and financial information. Accordingly, the risk of exposure of personal information and financial information that may occur when purchasing an online product can be prevented at the source.

There is no restriction on the use of serial number electronic money. Serial number When purchasing products using electronic money, personal information may not be needed at all depending on the type of serial number being issued. Therefore, there is no restriction in purchasing products from various merchandise sellers in all terminals. You can even purchase goods without disruption by region or country.

The sales system and the payment system of the seller of the goods can be simplified. Since the merchant sells only the information of the merchandise to the serial number electronic money payment server and receives the settlement result, it is necessary to use different payment interlocking method for each settlement agency or it is not influenced by the purchaser's terminal environment. The payment system can be simplified.

In the current on-line purchasing environment using various terminals, if a single terminal is issued with serial number electronic money using personal information and financial information, the other terminal does not use personal information and financial information, And the like. Therefore, it is not necessary to have an environment for using personal information and financial information in the terminal.

1 is a configuration diagram of a serial number electronic money issuing and charging system according to the present invention;
2 is a configuration diagram of a serial number electronic money using system according to the present invention;

Hereinafter, the configuration of the present invention will be described in detail with reference to the preferred embodiments of the present invention and the accompanying drawings.

1 is a configuration diagram of a serial number electronic money issuing and charging system according to the present invention.

And issuing and charging a serial number having a UI for issuing and storing a serial number and displaying the issuance result on the user terminal screen to the serial number electronic money user 110. [

Charge request UI 120 in which a user 110 can newly issue a serial number electronic money or enter a serial number and an amount to charge an existing serial number electronic money. The UI 120 has an input form that allows the issuing and charging module 130 to create a serial number or the serial number so that the user 110 can directly create the serial number, There is a publish and charge request UI 120 with a radio button that allows you to choose to create a serial number.

The issuing and charging module 130 requests payment to the financial server 150 for the issuance amount and the serial number for issuing the serial number received from the issuance and charging request UI 120 and then inquires the serial number DataBase 140 for the serial number, If there is not, it is newly issued and charged if it exists.

The financial server 150 is a legacy server that is established and operated for each bank, card company, settlement agent, and VAN company. That is, it means an existing server that performs various financial transaction services such as providing financial services at the request of financial customers.

The issuing and charging module 130 requests the financial server 150 to settle the payment amount requested by the user 110 to issue the serial number, and pays the amount for issuing the serial number. Then, the payment amount is stored in the serial number DataBase 140, and the payment result is displayed to the user 110 through the charging result UI 160.

2 is a configuration diagram of a serial number electronic money using system according to the present invention.

The system 200 storing the serial number is a system 200 in which the online merchandise purchaser 210 purchases the goods of the online merchandise seller 220 using the serial number electronic money and uses the serial number electronic money.

The system of the merchandise seller 220 that the merchandise purchaser 210 visits to purchase the merchandise may be arranged such that the merchandise buyer 210 transmits the merchandise information of the merchandise merchandiser 220 requested to purchase the merchandise to the merchandise 220 of the serial number electronic money system 200 To the purchase request UI (230).

The product purchaser 210 inputs the serial number of the serial number electronic money for payment of the goods purchase in the goods purchase request UI 230 and requests the goods payment processing module 240 to settle the payment, Processing module 240, as shown in FIG.

The payment processing module 240 inquires the serial number DataBase 250 to check whether the serial number has been issued and the balance if it is issued, and if the serial number is not issued or the balance is insufficient, And displays the issuance status and balance of the number electronic money to the buyer 210 of the commodity. If the serial number exists and there is a balance remaining for the purchase of the product, the settlement amount is subtracted from the serial number DataBase 250 and the system of the seller 220 confirms whether the settlement has been completed and the details And then displays a goods purchase result UI 260 showing that the purchase of the goods and the serial number electronic money settlement are completed to the buyer 210.

While the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, it is to be understood that the invention is not limited to the disclosed embodiments, and various changes and modifications may be made without departing from the scope of the present invention. Accordingly, the scope of the present invention should be defined by the following claims.

100: serial number issuing electronic money, charging system.
110: Serial number The user who wants to issue or charge electronic money.
120: A screen where you can fill in the amount to be issued and create a serial number.
130: A module that inquires the serial number database and decides whether to issue or charge the money, and requests the financial server to pay the issued money amount, and stores the paid money in the serial number database.
140: serial number to store the serial number and the issuance amount database.
150: Financial server, payment agent server, or van server.
160: serial number A screen showing the result to the user after completing issuance or charging of the electronic money.
200: Serial number electronic money use system.
210: A buyer who wants to purchase an online product using serial number e-money.
220: serial number A merchandise seller using electronic money as a payment method.
230: a product purchase request screen of a serial number electronic money system for receiving and displaying information of a sale item from a seller of goods;
240: module for purchasing goods purchased by a purchaser using serial number electronic money.
250: A database that stores the serial number and the issued amount.
260: Serial number A screen showing the result of purchasing goods using electronic money.

Claims

In the serial number electronic money system,
A system for generating a serial number,
A serial number issue request UI including an input form for inputting the generated serial number and the issued amount,
A system for charging the financial institution or the settlement agency with the serial number as the issuance amount,
A serial number or a wired network or a wireless network for receiving a payment request and payment result to a financial server or a payment agent of a financial institution,
A system for storing the serial number and the issued amount in the database,
A product purchase request UI including an input form capable of inputting product information of the goods seller to be purchased by the goods buyer received from the goods seller and the serial number that has been paid,
A system in which the merchandise purchaser of the merchandise purchase request of the merchandise seller requested to make payment using the serial number is processed by the serial number
And a serial number electronic money system and method.

A system for settlement of the above serial number with an issuance amount,
And issuing the serial number electronic money by inputting the serial number and the amount into the database storing the serial number electronic money in the serial number electronic money system without going through the financial institution or the settlement agency. Monetary system and method.

The method according to claim 1,
The serial number issuance request UI,
And a UI including an input form box in which the user can input a serial number for receiving the serial number electronic money at a desired serial number.

The method according to claim 1,
Wherein the issued serial number is made in the serial number generation system or in a computer file capable of extracting a serial number string from the terminal.

The method according to claim 1,
Wherein the issued serial number is made in the serial number generating system or in an optical symbol such as barcode or QR code capable of extracting the serial number from the terminal.

The method according to claim 1,
The serial number issue request UI may be provided by a user who wishes to issue the serial number to a system that stores the serial number in a database and provides his / her information to a system for storing the serial number in a database to join the member as a member A log-in UI for inputting the user's own information into a system for storing the serial number in a database, and a log-in UI for logging in from the log-in UI with information registered as a member, And a UI for receiving the serial number and the issued balance issued by the user from a system for storing the serial number in a database and displaying the serial number on a screen of the user terminal.

The method according to claim 1,
The above-mentioned serial number and the amount of money deposited in the database are stored in the database after the approval of the financial transaction to the financial institution or the settlement agency, and the amount of the settlement of the balance of the serial number electronic money And storing said serial number in a database stored in a database.