KR20150065621A - Serial number virtual currency issue system, payment system and method - Google Patents

Abstract

The present invention relates to a method for issuing electronic money and a payment method using the same, which make chargeable virtual money which is electronic money that can be used online and can be distinguished by a serial number, and issue the virtual money to an online product purchaser, who uses electronic money with a serial number as a payment means at an online store. A variety of payment means can be used for online transactions. The online store needs to be linked with a payment system of each payment agency and has to install a linking module for each payment mean to use various payment means. Moreover, a product purchaser needs to build an environment required for payment means on a terminal and use the personal and financial information for every payment. Receiving electronic money with a serial number is similar to purchasing an online product at present, but the purchased product is not a general product but virtual money with a serial number. This serial number can be generated automatically or by the user in person. When the user purchases a product by using electronic money with a serial number issued, the user pays with the serial number, and thus, the user does not need to build any environment on a terminal and does not need the personal or financial information. Accordingly, there is no risk of information disclosure and the user can purchase products without limitations even if the user uses various sorts of 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, the merchants selling online products must establish a payment system environment based on the type of payment (credit card, bank transfer, mobile phone, account transfer, etc.), and interworking with other interworking means for each payment gateway , It is difficult for a merchandise retailer 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 merchant purchaser 210 purchases the goods of the online merchandiser 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: Screen showing the result of payment of purchase using serial number electronic money

Claims (7)

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.
The method according to claim 1,
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.

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