WO2008130174A1

WO2008130174A1 - Method for international ecommerce

Info

Publication number: WO2008130174A1
Application number: PCT/KR2008/002250
Authority: WO
Inventors: Seowon Lee
Original assignee: Seowon Lee
Priority date: 2007-04-19
Filing date: 2008-04-21
Publication date: 2008-10-30
Also published as: KR20100015656A

Abstract

It is an object of the present invention to provide a method for international E-commerce for ensuring stability of international E-commerce. It is possible to obtain stability of settlement accounts among countries according to the present invention. That is to say, a bank e-Post international E-commerce only ID(card) payment method is adopted. Through approval of a mobile phone matched with a user's number when the user decides to purchase goods, credit loans are surely transferred to an exclusively designated settlement account or card or to a frozen account of the user's bank. At the same time, the same amount of a settlement bill can be generated and transferred to a frozen account of a provider's bank in the other country.

Description

Description METHOD FOR INTERNATIONAL ECOMMERCE

Technical Field

[I] The present invention relates to a method for international ecommerce. Background Art

[2] 1. Establishment of Payment-Targeting Electronic Trade System

[3] Electronic trade cannot exclude a payment-based trade form which is the center of an offline trade form. After solving a basis of advance payment, logistics clearance and unification of product code systems should be constructed for the user's convenience. However, until now, electronic trade system configurations in each country including Korea have been intended on the basis of electronic form systems such as product codes and logistics clearance, and payment systems have merely changed offline L/C into electronic L/C. Thus, advance payment network-oriented electronic trade systems must be immediately constructed.

[4]

[5] 2. Innovation of L/C-Based Trade Concept

[6] In spite of innovation and convenience of electronic trade, the basic concept has only made offline forms into electronic documents, thus even with efficient operation of electronic trade in accordance with the spread of the Internet, it is difficult to overcome the limits.

[7] As for the basic structure of trade, logistics and various forms are made up of settlement of accounts and NEGO. But, at present, it is repeatedly making errors owing to skeptical and passive attitudes of each trade subject as well as disordered problems of the subjects caused by the limits of electronic form trade that anyone in each country can be the subject of development, making it difficult for the trade subjects in all nations of the world to participate in trade.

[8] Accordingly, a daring break-away from the existing L/C-based trade concept is highly required, and innovation of a new concept of payment is essential to complete Internet electronic trade.

[9]

[10] 3. Coping with Exclusive National Electronic Trade

[I I] In order to build worldwide electronic trade, each nation including the US, Europe, and ASEAN has making great effort to spread their standardized systems for the purpose of their future electronic trade power. And, strenuous efforts are being made to find the solution of block trends all over the world.

[12] However, despite the fact that the Internet electronic trade basically focuses on openness, convenience, and efficiency, its perfect construction seems far distant due to exclusive actions in each country and each round.

[13] So, it is highly recommended to set the system which user-centered nations have to participate in and the system where natural cooperation is induced.

[14] [15] 4. Optimization of Existing Infrastructure Usage for Electronic Trade Among Nations

[16] In case of competition among main trade countries for standardization of electronic forms including logistics clearance for domestic electronic trade, it is too difficult to form a perfect international cooperation owing to competition between countries and rejection of system dependency.

[17] Therefore, after building a payment core by the necessity of each nation on the basis of the electronic trade hub, electronic trade infrastructure resources should be applied to each country in order to prevent cost loss caused by competition in each country and to efficiently apply the existing infrastructure resources.

[18] Completion of the Internet electronic trade is summarized as follows: [19] [20] Table 1 [Table 1] [Table ]

[21] [22] 5. Currently, international E-commerce is satisfying the purchase demands of buyers by purchasing as proxy for particular countries.

[23] It is because mutual reliability between the user and the supplier on the Internet for E-commerce among nations is impossible. That is, since suppliers cannot trust anonymous users in a particular country, they cannot help demanding advance payment, and the users also want to pay later since they cannot rely on the anonymous suppliers of a certain country.

[24] But, if one certain side of a particular country having a strong desire to buy or sell a product pays for or delivers the product in advance, it must be involved, if any, in a transactional accident with regards to payment and product delivery.

[25]

[26] 6. When E-commerce is conducted on the Internet, a lot of problems are being produced due to hacking or leakage of financial information. Thus, it is hard to activate international E-commerce owing to leakage problems of financial information in case of international payment.

[27]

[28] 7. Because of broken E-commerce between countries, users in each country have to pass through complex procedures to buy goods. Disclosure of Invention Technical Problem

[29] It is therefore an object of the present invention to provide a method for E-commerce for smooth international E-commerce. Technical Solution

[30] In order to accomplish a method for international E-commerce in accordance with the present invention, a system is provided below.

[31] Matching servers(60,62) in accordance with the present invention are servers for a bank to store information received from customers(30,32) when ID cards for bank e- Post international E-commerce payment only in accordance with the present invention are issued, storing the customers(30,32)' mobile phone numbers for approval, account numbers for E-commerce payment, credit card numbers for E-commerce payment, and information on credit loans for E-commerce payment.

[32] The servers temporarily store payment detail information in case of E-commerce in accordance with the present invention, and realize transferring to frozen accounts(80,82) of main account hosts(50,52) of a bank when payment approval is carried out, and at this time, transactional details are simultaneously transmitted to data servers(90,92).

[33] If international payment approval is conducted, transferring is realized to the frozen accounts(80,82) of the main account hosts(50,52) of the domestic bank , while settlement bills are generated and transferred to the frozen accounts(80,82) from the matching servers(60,62) where information on the user and the supplier(30,32) of a correspondent country is registered, through bank e-Post payment systems(20,22). [34] The user and the supplier(30,32) in accordance with the present invention have mobile phones for approval, and mobile phone numbers of the user and the supplier(30,32) are stored in the matching servers(60,62). Approval request data sent from the matching server(62) is transmitted to the mobile phones of the user and the supplier(30,32) in short message or ARS type, and the user and the supplier(30,32) can approve the received short message or ARS-type approval request data by pressing OK buttons or passwords or by pressing passwords demanded by ARS. Brief Description of the Drawings

[35] The advantages of the invention wil become readily apparent to those skilled in the art from the following detailed description of a preferred embodiment when considered in the light of the accompanying drawings, in which:

[36] Fig. 1 illustrates each component which constitutes an international E-commerce system in accordance with the present invention;

[37] Fig. 2 explains the stream of international payment on a supplier side(supplier registration);

[38] Fig. 3 is a diagram which explains user payment;

[39] Fig. 4 explains a request for transferring settlement bills to a supplier's frozen account;

[40] Fig. 5 explains the stream of an international electronic trade system;

[41] Fig. 6 explains the stream of a data bank system of an exporter and an importer of electronic trade in accordance with the present invention;

[42] Fig. 7 illustrates an exporter NEGO and exporter domestic trade financial system;

[43] Fig. 8 is a flow chart of credit loans of exporter production cost;

[44] Fig. 9 illustrates the stream of international E-commerce(B2C,C2C); and

[45] Fig. 10 illustrates the stream of an auction system of international real-time E- commerce.

[46]

[47] The present invention will now be described more fully hereinafter with reference to the accompanying drawings, in which preferred embodiments of the invention are shown.

[48]

Mode for the Invention

[49] The present invention has been applied for as an extension of contents released in "E-

Commerce System and E-Commerce Method Thereof" of Korea Patent Application No. 10-2002-7006652 (International Application No. PCT/KR2002/01352), on the assumption that terms used for explaining the present invention are equal to definition of terms released on the description of Korea Patent Application No. 10-2002-7006652. Also, it is assumed that when explaining the present invention described below, contents which are not stated in detail would be explained by referring to contents of the above patent application.

[50] An operator of the present invention will be defined as "Bank e-Post".

[51] Explanations on system assumptions for illustrating contents of the present invention are shown as follows.

[52] A user (purchaser) and a supplier of the present invention have mobile phones for authentication.

[53] The operator of the present invention is a subject for constructing an E-commerce system using exclusive E-commerce accounts, exclusive E-commerce frozen accounts, and an exclusive supplier drawing account installed in a bank for E-commerce, and for managing/operating the constructed system.

[54] The bank in accordance with the present invention has an account server system for

E-commerce only so as to realize international E-commerce over the Internet in accordance with the present invention, and information on an exclusive E-commerce account stored in the account server system for E-commerce only is matched with information on telephone numbers of mobile phones to assign a third card number to an exclusive E-commerce card. The card number can prevent leakage of personal in formation when a buyer does E-commerce through the web of a web operator and play an important role of security and authentication.

[55] The exclusive E-commerce accounts of the bank refer to accounts installed for E- commerce in a bank which is a financial institution, and are installed in the bank to exclusively conduct payment for all of E-commerce purchase carried out on the web of the web operator in accordance with the present invention, while the customer can be assigned with a credit line for the exclusive E-commerce accounts from the bank.

[56] As for a payment method of the exclusive E-commerce accounts witha credit line, temporary credit loans are generated on exclusive E-commerce accounts of a bank instead of on a supplier's settlement account generated by E-commerce, and payment is conducted on the supplier's payment-designated account after a buyer confirms payment. In this case, the supplier's payment-designated account can also receive money of the exclusive E-commerce accounts of the bank.

[57] A frozen account server system for E-commerce only refers to an exclusive E- commerce account for a buyer to remit money for a product only, which receives a signal that approves of safe and exact transactions in the international E-commerce system of the operator, to an exclusive supplier's drawing account opened by the supplier by freezing all of settlement bills(transferring, online remittance, exclusive E- commerce accounts in accordance with the present invention) created through E- commerce. [58] For the E-commerce in accordance with the present invention, the buyer should open an exclusive E-commerce account which is a new product assigned by a bank and the supplier also has to open an exclusive supplier drawing account in order to receive money on the account server system for E-commerce only. But, the supplier may use a general account.

[59] The account server system for E-commerce only and the frozen account system for

E-commerce only of the present invention can give credit loans except the bank or be applied to all institutions which do financial transactions.

[60] In case of E-commerce over the Internet, ordered information is sent on the international E-commerce site, and if there is a request for transactional approval to a mobile phone, a system is provided to order a product by using the mobile phone and to confirm the ordered contents.

[61] A telephone number of a customer's mobile phone, an exclusive E-commerce card number, and an account number of an exclusive E-commerce account of a bank are connected together.

[62] Only when a customer's transactional number for a payment request by a supplier's

ID and password is combined with a confirm signal on communication for the final payment release sent by the customer, money frozen in the frozen account server system for E-commerce only can be paid on the supplier's drawing account.

[63] A server system of a credit card company should be equipped with a database which stores information on the limits of payment for E-commerce only. It is a system for storing data on a payment limit assigned for E-commerce in accordance with the present invention except the limits of determined payment when the existing credit card is used.

[64] The server system of the credit card company consists of a database for storing information on allowable limits for E-commerce only for credit card customers, a database for storing information on credit card numbers of the customers, and a database for storing information on card numbers of E-commerce cards associated with the credit card numbers.

[65] And, a buyer limit for E-commerce only of the credit card company means a limited amount of money made by the credit card company, being used for E-commerce in accordance with the present invention with a credit line of a credit card according to an agreement between the buyer and the card company. As for a payment method of the buyer limit, an amount of temporarily approved money created by E-commerce is paid after the buyer confirms payment on a designated settlement account of an operator server system and a settlement account designated by the supplier.

[66] A bank system is composed of an account server system for E-commerce only and a frozen account server system for E-commerce only. [67] A limited account for E-commerce only of a bank means an account specially opened for E-commerce in the bank which is a financial institution, being a credit loan account which a customer is assigned from the bank in order to exclusively conduct payment for all of E-commerce purchase carried out on the web of a web operator in accordance with the present invention.

[68] Among exclusive E-commerce accounts, especially, in case of "Credit line account" which assigns a credit line for E-commerce, it is an account made by a bank, meaning a credit loan account in accordance with an agreement between a buyer and the bank. As for a payment method of the "Credit line account" for E-commerce only, a temporary credit loan is generated on an exclusive E-commerce account of the bank instead of on a supplier's payment account created by E-commerce, and is paid on the supplier's drawing-only account after the buyer confirms payment.

[69] Exclusive E-commerce cards in accordance with the present invention can be divided into 6 types.

[70] A first E-commerce only card has a card number assigned by matching an exclusive

E-commerce limit account number of a bank with a telephone number of a mobile phone, a second E-commerce only card has a card number assigned by matching an account number of the existing general account of a bank with a telephone number of a mobile phone, and a third E-commerce only card has a card number assigned by matching the existing credit card number of a credit card company having the existing limits with a telephone number of a mobile phone, then a fourth E-commerce only card has a card number assigned by matching a credit card number which includes E- commerce only limits of a credit card company with a telephone number of a mobile phone. A fifth E-commerce only card has a card number assigned by matching a credit card number, which is assigned only with an exclusive E-commerce limit newly issued by a credit card company, with a telephone number of a mobile phone, and a sixth E- commerce only card has a card number assigned by matching a telephone number of a mobile phone with a code which is matched with information on an allowable limit for credit purchase given by the web operator in accordance with the present invention.

[71] In case of the above card numbers, when a buyer conducts E-commerce on the web of the web operator, it is not possible to know the buyer's general bank account number, an exclusive E-commerce limit account number, and a telephone number of a mobile phone by using a card number only. And, on the aspects of security and authentication, in order to confirm the account number, only when a confirm signal through the buyer's communication apparatus is bonded with product order data of a server system of a web operator after a card number for E-commerce is inputted on the web window to order a product, data on product order and a card number of an exclusive E-commerce card can access a server system of a bank. Therefore, it is possible to prevent leakage of personal information, and eventually, security and authentication issues on E-commerce can be figured out.

[72] With regards to attributes of the E-commerce only cards, card numbers of the E- commerce only cards issued by the web operator and financial institutions such as card companies or banks can recognize limit account numbers for E-commerce only of the financial institutions, E-commerce drawing-only account numbers(can be the existing accounts) from which customers can withdraw money, telephone numbers of buyers' mobile phones, e-mail addresses, and databases of account-opening persons.

[73] That is, buyers can simply input card numbers only of the E-commerce only cards when purchasing products on the web, so that preferred items can be first opened by recognizing attributes of the buyers. Consequently, the buyers do not have to input information such as separate payment means, personal information, and destination information after shopping.

[74]

[75] From now on, the present invention will be described.

[76] Fig. 1 illustrates each component which constitutes an international E-commerce system in accordance with the present invention.

[77] On the assumptions for explaining the international E-commerce system in accordance with the present invention, a user (purchaser) and a supplier(30,32) in both countries receive bank e-Post(which indicates an operator of the present invention) international E-commerce payment-only IDs(cards) from all banks. The bank e-Post international E-commerce payment-only IDs(cards) in accordance with the present invention mean payment keys for inputting for payment in accordance with international E-commerce in case of E-commerce, being third generation numbers instead of financial information. The international E-commerce payment-only IDs(cards) can be given by banks, or numbers which are not overlapped may be used by customers' demands. These numbers also have a risk of hacking, but they are meaningless numbers which cannot be usable online and offline even in case of being hacked.

[78] The international E-commerce payment-only IDs(cards) are registered inside the banks together with mobile phone numbers of the user (purchaser) and the supplier(30,32), customers' E-commerce accounts, credit cards for E-commerce, and credit loan information for E-commerce through agreement procedures of customers(30,32) and user authentication procedures of the banks.

[79] And, the IDs(cards) are payment key values designated to necessarily transfer payment by E-commerce, which is conducted through the customers' E-commerce accounts, credit cards for E-commerce, and credit loans for E-commerce, to frozen accounts(80,82), only when payment approval requests are sent to mobile phones of the customers(30,32) and the requests should be approved on the mobile phones once the international E-commerce payment-only IDs in accordance with the present invention are inputted instead of financial information in case of payment requests.

[80] Matching servers(60,62) in accordance with the present invention are servers for a bank to store information received from the customers(30,32) when ID cards for bank e-Post international E-commerce payment only in accordance with the present invention are issued, storing the customers(30,32)' mobile phone numbers for approval, account numbers for E-commerce payment, credit card numbers for E-commerce payment, and information on credit loans for E-commerce payment.

[81] The servers temporarily store payment detail information in case of E-commerce in accordance with the present invention, and realize transferring to the frozen accounts(80,82) of main account hosts(50,52) of a bank when payment approval is carried out, and at this time, transactional details are simultaneously transmitted to data servers(90,92).

[82] If international payment approval is conducted, transferring is realized to the frozen accounts(80,82) of the main account hosts(50,52) of the domestic bank, while settlement bills are generated and transferred to the frozen accounts(80,82) from the matching servers(60,62) where information on the user and the supplier(30,32) of a correspondent country is registered, through bank e-Post payment systems(20,22).

[83] The user and the supplier(30,32) in accordance with the present invention have mobile phones for approval, and mobile phone numbers of the user and the supplier(30,32) are stored in the matching servers(60,62). Approval request data sent from the matching server(62) is transmitted to the mobile phones of the user and the supplier(30,32) in short message or ARS type, and the user and the supplier(30,32) can approve the received short message or ARS-type approval request data by pressing OK buttons or passwords or by inputting passwords demanded by an ARS.

[84]

[85] Fig. 2 explains the stream of international payment on a supplier side(supplier registration).

[86] 1. A supplier(32) in accordance with the present invention inputs data on products to be supplied for foreign buyers on an international E-commerce site(lθ) in accordance with the present invention, and demands approval of product registration.

[87] 2. A matching server(62) of the present invention demands approval to a mobile phone of the supplier(32), and the supplier(32) approves of the demand.

[88] 3. If approval of the registered customer(32) is confirmed in the matching server(62), product registration on the international E-commerce site(lθ) is completed.

[89] 4. As an option, it is possible to complete registration after transferring a registration fee or a performance marginto a frozen account(82). [90]

[91] Fig. 3 is a diagram which explains user payment.

[92] Referring to Fig. 3,

[93] 1) A user(30) of a country "A" demands payment on an international E-commerce site(lθ) with a bank e-Post international payment-only ID (card) number.

[94] The user selects one of an account number for international E-commerce payment, a credit card number for E-commerce payment, and a credit loan for E-commerce payment, and inputs the selected information. The credit loan can be automatically selected according to a transactional type.

[95] 2) A bank matching server(60) of the country "A" demands approval to a mobile phone of the customer(30), and the user(30) approves through the self mobile phone if payment information does not have any abnormality.

[96] 3) Payment transferring is realized to a bank frozen account(80) of the country "A" in the matching server(60), and at this moment, a transactional number is created. Transactional details are stored in a bank frozen account data server(90) of the country "A", while a bank matching server(62) of a correspondent country(country "B") gene rates settlement bills in accordance with the transactional number through bank e-Post payment systems(20,22) to transfer the bills to a bank frozen account(82) of the country "B", and the same transactional details are transmitted to a bank frozen account data server(92) of the country "B", so that the transmitted details are stored therein.

[97] If payment is executed by selecting a credit card as a payment means, there is a method for transferring to the frozen account(80) by sending settlement details to a credit card company from the matching server(60) of the country "A" bank and a method for transferring to the frozen account(80) by connecting with the credit card company in the bank e-Post payment system(20) of the country "A" after the matching server(60) of the country "A" bank receives approval.

[98]

[99] Fig. 4 explains a request for transferring settlement bills to a supplier's frozen account.

[100] Referring to Fig. 4,

[101] 1) Transferring the settlement bills is demanded by inputting a bank e-Post international payment-only ID(card) number of a supplier(32) of a country "B" and a transactional number to an international E-commerce site(lθ).

[102] 2) A matching server(62) of the country "B" conducts an approval request for whether there is a request for transferring of settlement bills to a mobile phone of the supplier(32), and the supplier(32) sends an approval signal through the mobile phone after confirming self settlement bill request details through the mobile phone. [103] 3) A user(30)'s bank(in a country "A") sends an approval request for transferring to an account of the supplier(32) to the user(30)'s mobile phone with regards to settlement bills frozen on a frozen account(80), and receives an approval signal of the transferring from the user(30).

[104] 4) The settlement bills of the frozen account (FA)(80) of the country "A" bank are plus transferred to a CORRES account(70) of the country "A" bank, and at the same time, the settlement bills of the frozen account (FA)(82) of the country "B" bank are minus transferred to a CORRES account(72) of the country "B" bank. At this point, apart from the CORRES accounts(70,72) of the banks in the countries "A" and "B", loan registration is performed for CORRES accounts by country and bank in a bank e- Post international E-commerce hub system.

[105]

[106] Fig. 5 explains the stream of an international electronic trade system.

[107] The above stream shows a transactional stream between an importer(30) of a country "A" and an exporter(32) of a country "B", but even in case of an importer(32) of the country "B" and the exporter(30) of the country "A", a transactional stream is the same except that the countries are changed only.

[108] The exporters and the importers(30,32) in each country should receive issued electronic trade IDs(cards) by registering accounts to be used for electronic trade, credit cards, and mobile phone numbers for approval after visiting banks in advance, and set a payment limit of trade finance, that is, a payment limit for electronic trade only according to the characteristics of electronic trade. If there is no payment limit, it is possible to do business by using the balance of accounts.

[109] Before using the electronic trade payment system in accordance with the present invention, the importers confirm the contents of previous offers with the exporters through fax, phones or mail in electronic form or offline type of the electronic trade payment system in accordance with the present invention. Then, if the contents are confirmed:

[110] 1) The importer(30) of the country "A" confirms conditions (including settlement of accounts and product delivery, etc.) of a firm offer by accessing an electronic trade hub system(including an E-commerce site)(l l). At this time, he or she demands approval by inputting a bank e-Post ID number(settlement of accounts and transactional conditions are automatically set to default on data).

[I l l] 2) A bank e-Post payment system(20) transmits data on settlement of accounts and transactional data to a matching server(60) inside a bank(lOO) of the country "A".

[112] 3) If the approval is demanded to an approval mobile phone of the importer(30) of the country "A" registered in the matching server(60), the importer(30) confirms details as voice, and inputs an approval number. [113] (At this moment, text transmission of transactional details is carried out side by side, and if there exist many people having the right of approval, approval is repeatedly demanded to the plural importers(30))

[114] 4) The matching server(60) confirms the approval number, and transfers a settlement bill to a frozen account(80) from an account or a limited account of the importer(30) of the country "A" registered in the matching server(60). Also, confirmed transactional details are transmitted to a frozen account DB server(90). At the same time, in the s ystem in accordance with the present invention, importer confirm display data which confirms the importer(30) of the country "A" and firm offer data indicating that transferring of the settlement bill to the frozen account(80) is completed are transmitted to the exporter(32) of the country "B".

[115] 5) After the exporter(32) of the country "B" confirms the contents of the firm offer through an electronic trade hub system(l 1), he or she inputs a bank e-Post ID(card) number to the electronic trade hub system(l 1) in accordance with the present invention, and demands approval.

[116] On this occasion, a bank e-Post payment system(22) of the country "B" transmits transactional data to a matching server(62) inside a bank(102) of the country "B".

[117] 6) If approval is demanded to an approval mobile phone of the exporter(32) of the country "B" registered in the matching server(62), the exporter(32) confirms details as voice, and inputs an approval number in real time.

[118] At this time, text transmission of transactional details is carried out side by side, and if there exist a lot of people for approval, approval is repeatedly demanded.

[119] 7) If the matching server(62) confirms the approval number of the exporter(32) of the country "B" and completes the confirmation, a settlement bill in accordance with transactional details registered in the matching server(62) is generated and transferred to a frozen account(82). In addition, the confirmed transactional details are transmitted to a frozen account DB server(92). At the same time, a firm offer for displaying confirmation of the exporter(32) of the country "B" in accordance with the present system and for displaying transactional initiation is sent to the importer(30) of the country "A".

[120]

[121] In the stream to the item number 7) from the item number 1), if the exporter(32) of the country "B" transmits a transactional offer through previous confirmation, as soon as a settlement bill is transferred to the frozen account(80) through confirmation and approval of the importer(30) of the country "A", the same settlement bill is generated and transferred to the frozen account(82) of the bank(102) of the country "B". Also, transmission of transactional details to the frozen account data server(92) is completed, and payment details are immediately notified to the exporter(32) of the country "B". [122] Moreover, if final approval is confirmed, trans actional numbers are generated and stored in the frozen account data servers(90,92) in both countries.

[123]

[124] 8) The exporter(32) of the country "B" delivers products according to conditions (apart from NEGO).

[125] 9) If a delivery confirm signal and an inspection complete signal are displayed after the exporter(32) of the country "B" delivers the products according to the conditions(it is possible to confirm offline after the importer(30) of the country "A" receives the products), a demand for transferring is transmitted. At this point, the exporter(32) of the country "B" demands transferring by inputting a bank e-Post ID(card) number and a transactional number through the electronic trade hub system(l 1).

[126] 10) The matching server(62) of the bank(102) of the country "B" confirms the transactional number and the bank e-Post ID number, and demands approval to the mobile phone of the exporter(32) of the country "B". If the approval is confirmed, the matching server(62) transmits the transactional number to the matching server(60) of the country "A" through the electronic trade hub system(l l).

[127] 11) The matching server(60) of the country "A" demands approval to the mobile phone of the importer(30) of the country "A" corresponding to the transactional number.

[128] 12) If the approval of the importer(30) of the country "A" is completed, the settlement bills in accordance with trade, which are transferred to the frozen accounts(80,82) of the banks(100,102) of the countries "A" and "B", are transferred to each of CORRES accounts (70,72).

[129] That is to say, the settlement bill is minus transferred to the CORRES account(70) of the bank of the importer(30) in the country "A", while the settlement bill is plus transferred to the CORRES account(72) of the bank of the exporter(32) in the country "B".

[130] Furthermore, as soon as the settelement bill of the importer generated in the frozen account(82) of the bank of the country "B" is transferred to the CORRES account(72), the settlement bill is automatically transferred to an account(98) matched with a bank e-Post ID(card) of the exporter(32) of the country "B".

[131] In case of an electronic trade system commission for the trade or a settlement approval request, settlement details on the commission are automatically shown, and when approval is completed, accounts are automatically settled.

[132]

[133] Fig. 6 explains the stream of a data bank system of an exporter and an importer of electronic trade in accordance with the present invention.

[134] Referring to Fig. 6, [135] 1) When a bank E-post ID(card) is issued to a corporate customer who wants electronic trade, corporate information is registered in corporate customer databases(110,112) of banks(100,102).

[136] And, the information is classified as basic data in accordance with classification of business registration.

[137] 2) The classified information is automatically classified and stored in exporter and importer databanks(14,15) of electronic trade DB systems(12,13) of countries "A" and "B" according to each industrial and business category corporate type through matching servers(60,62).

[138] 3) Registered companies can confirm registered information by accessing an electronic trade hub system(l 1), and conduct specific registration according to requests of databases. At this moment, if the registered companies have homepages, they can demand interfaces.

[139] 4) In international trade, all companies cannot help doing business through financial institutions(100,102). Moreover, most of export/import companies are registered in the financial institutions as enterprises for main and supplementary transactions. The banks(100,102) transmit data on the corresponding companies to the exporter and importer databases(14,15) of the electronic trade DB systems(12,13) of the countries "A" and "B", so that the data can be automatically classified and stored according to industrial and business category corporate type. If the stored corporate data does not have bank e-Post IDs(cards) or companies of the other country contact the corporate data, the financial institutions notify that the bank e-Post IDs(cards) should be issued.

[140] 5) The exporter and importer databanks(14,15) of the electronic trade DB systems(12,13) of the countries "A" and "B" provide reliable information for electronic trade transactions using the electronic trade hub system(l 1) as well as credit information of the registered companies.

[141] Such a databank construction system also plays a role of providing a path that the financial institutions can set up aggressive marketing strategies for activation of export and import of companies.

[142]

[143] Fig. 7 illustrates an exporter NEGO and exporter domestic trade financial system.

[144] If settlement bills are generated on a frozen account(82) of an exporting country's bank after approval of an importer and an exporter(30,32) is completed, the exporter(32) can issue local L/C for production in case of offline L/C type transactions, and if shipment is completed, the exporter can demand NEGO to a financial institution. Thus, though its type is different, a bank e-Post electronic trade system also has a system in accordance with the financial system.

[145] Referring to Fig. 7, [146] 1) NEGO request of the exporter(32) (during the request, essential data is transmitted to NEGO by using a bank e-Post ID number, a trade transactional number, and a domestic EDI(4)).

[147] 2) A matching server (62) of the financial institution demands approval to a mobile phone of the exporter(32) matched with the bank e-Post ID number, and the exporter approves through the mobile phone.

[148] 3) When the approval is completed, the financial institution(102) examines the transmitted data required for NEGO and transactional details in accordance with the registered transactional number, and approves if there is no flaws, then transfers a bill to a settlement account(98) of the exporter. On this occasion, data for examination is automatically transmitted to a person taking charge of NEGO of the financial institution^ 02) from a frozen account data server(92).

[149] Also, it is possible to transfer the NEGO bill to the exporter(32) as a bill for E- commerce only. It is an important factor capable of booming E-commerce between domestic companies. Namely, it is available to induce the exporter(32) to pay for domestic raw and subsidiary materials through bank e-Post domestic corporate transactions.

[150] When NEGO is approved, the financial institution^ 02) processes a settlement bill of an internal frozen account(82) as a new credit loan of a company though the settlement bill is one for irrevocable transactions in terms of transactional conditions, and the settlement bill of the frozen account(82) bears a character of security. If there exists a risk, the financial institution can demand another security. In this case, the process is progressed side by side with an offline type.

[151]

[152] Fig. 8 is a flow chart of credit loans of exporter production cost(compared with the current offline local L/C type).

[153] If an L/C is attached during offline transactions, the exporter demands the issue of a local L/C for production. Even in case of bank e-Post electronic trade in accordance with the present invention, there is a system proportionate to the issue of the local L/C for production of the exporter(30). Since a settlement bill of an importer(32) is generated on a frozen account(80) of an exporting country's bank(lOO), bills for a credit line for E-commerce only are created on the basis of the settlement bill. The stream of transactions is shown as follows:

[154] 1) The exporter transmits data on a production cost request through a bank e-Post electronic trade payment system(20).

[155] 2) A matching server(60) which receives the data sends an approval request for deciding whether there is the production cost request to a mobile phone of the exporter(30), and receives approval through the mobile phone of the exporter. [156] 3) A person in charge(in a bank(lOO)) confirms a frozen account transferring bill of the importer as well as trans actional details, and evaluates the exporter. If approval is made, a credit line for E-commerce only is generated.

[157] 4) The exporter demands bank e-Post system registration to domestic providers for production, and the domestic providers receive issued bank e-Post IDs(cards) from the bank(lOO) since stability for settlement of accounts is obtained. At this time, the domestic providers are classified and registered in domestic E-commerce data banks according to classifications such as business categories, industries, etc. Particularly, registration is performed through classification of corporate groups based on purchasing companies.

[158] 5) The exporter sends a purchasing offer to registered companies to export goods, and demands approval and settlement if the offer is confirmed.

[159] 6) If approval is confirmed in the matching server(60), a settlement bill is transferred to the frozen account(80) from an account where an exclusive E-commerce limit of the exporting companyφurchasing company) is generated.

[160] 7) The exporter delivers the products.

[161] 8) If the goods are delivered to the importer according to product conditions, the exporter demands transferring of the bill of the frozen account(80).

[162] 9) After the matching server(60) confirms approval of a provider and approval of a user company, the server transfers the bill transferred to the frozen account(80) to the provider's settlement account.

[163]

[164] Fig. 9 illustrates the stream of international E-commerce(B2C,C2C)(product registration of a provider in a country "B").

[165] I) A provider(32) of the country "B" inputs an exclusive bank e-Post international payment ID(card) number, profiles of a registered product, and price conditions on a window of a bank e-Post E-commerce payment system(22) of the country "B" on an E- commerce DB system(17) of the country "B", and sends a provider approval request through a mobile phone. If approval is made, registration is completed. The profiles of the completely registered product can be serviced by being translated in various languages of each country.

[166] At this time, for mutual reliability in case of international payment, it is possible to transfer money for prooving transactions to a frozen account(82) as a stipulated amount of money to secure transactions for the provider(32) during product registration. As for the money for prooving transactions, it automatically disappears in case of a credit loan if transferring of a settlement bill to the provider's account is completed at the time of termination of the transactions, and it is fed back in case of cash or a card. [167] 2) A user(30) of a country "A" demands purchasing of the product through an E- commerce hub system(18).

[168] 3) In order to buy the product of the provider(32) of the country "B", the user(30) of the country "A" selects the product, and demands payment approval by inputting a bank e-Post international payment-only ID(card) number on a window of a bank e-Post E-commerce payment system(20) of the country "A" on an E-commerce DB system(16) of the country "A". In this case, detailed purchasing information and payment approval request information are transmitted to a matching server(60) of a bank(lOO) of the country "A" to demand approval of the user(30) of the country "A". If approval is made, the process is completed.

[169] 4) A settlement bill is transferred to a frozen account(80) of the country "A", while the same amount of the settlement bill is generated and transferred to a frozen account(82) of the country "B "(Detailed transactional data are simultaneously transmitted and stored during transferring to the frozen accounts(80,82) of frozen account data servers(90,92) in both countries).

[170] When transferring to the frozen accounts(80,82) is realized, delivery is initiated by a delivery company designated through bank e-Post or designated during provider registration or user purchasing. If the delivery is completed, the delivery company inputs a delivery complete signal in the E-commerce hub system(18). Only when the delivery complete signal is inputted, the provider(32) can demand transferring of the bill transferred to the frozen accounts (80, 82) to the provider's own account. According to a type of a product, it is also possible for the provider to demand transferring of the bill transferred to the frozen accounts (80, 82) to the provider's own account even though there is no delivery complete signal.

[171] 5) The provider(32) of the country "B" demands transferring of the settlement bill of the frozen account(82) through the E-commerce hub system(18).

[172] 6) After the provider(32) of the country "B" demands approval of transferring of the settlement bill frozen on the frozen account(82) by inputting a bank e-Post international payment-only ID(card) number on a window of the bank e-Post E- commerce payment system(22) of the country "B" connected with the E-commerce DB system(17) of the country "B", the provider approves the fact that the transferring of the settlement bill is demanded through the provider's own mobile phone.

[173] 7) After approval for the fact of the transferring demand of the provider(32) in the country "B" is made, the matching server(60) of the country "A" demands transferring approval, which is made to the provider(32) of the country "B" of the bill transferred to the frozen account(80), to the user(30) of the country "A" by using a mobile phone through the bank e-Post international E-commerce payment systems(20,22), and the user(30) of the country "A" approves it. [174] 8) If approval of the user(30) of the country "A" is completed, the settlement bills of the frozen accounts (80, 82) of the countries "A" and "B" are transferred to CORRES accounts(70,72) of the countries "A" and "B"(Minus account in the country "A" and a plus account in the country "B"), and the settlement bill of the frozen account(82) of the country "B" is also transferred to the provider's settlement account(98) of the country "B".

[175] In the item number 7), the user can reject without approving it, and since then, re- approval is carried out after mutual disputes on a claim are settled.

[176]

[177] Fig. 10 illustrates the stream of an auction system of international real-time E- commerce.

[178] Referring to Fig. 10,

[179] Persons who want to register articles for sale at auction in each country register the articles in an international real-time auction service system(including an auction site)(200) via provider registration procedures. At this point, in case of high-priced articles at auction, persons who registered the articles transfer credit loans for money which prooves transactions to frozen accounts(80,82). That is, the credit loans for money are transferred to the frozen accounts(80,82) during registration in order to prevent reliability at auction from being damaged when a person who registered an article does not transfer a credit loan after a participant makes a successful bid.

[180] The transferring procedure to the frozen accounts(80,82) of the credit loans for money which prooves transactions and article registration at auction in each country is the same as the provider registration procedure of the stream of international E- commerce(B2C,C2C) of Fig. 9.

[181] Though it is a multinational real-time auction system, participants (210,212) in two countries are expressed in the drawing.

[182] For convenience of the auction participants(210,212), financial institutions(100,102) of the corresponding countries provide a method of transferring the total amount of money to the frozen accounts(80,82) by settlement bills of exclusive credit loans and exclusive accounts, but there is a method of providing convenience for continuous participation at auction of the auction participants by making real-time deposited credit products. At this time, a bidding price deposited to the frozen accounts (80, 82) in real time is fed back to an exclusive account in case of cash once selection for a successful bidder is completed, and the real-time deposited credit disappears.

[183] The limits of the real-time deposited credit can be different according to regulations of each financial institution.

[184] As for a service(200) of an international real-time auction system, the frozen accounts(80,82) have ranking selection functions for selecting a successful bidder except simple roles of keeping settlement bills.

[185] The international real-time auction service can be also offered to each of the corresponding countries.

[186] An international real-time auction procedure in accordance with the present invention will be described as follows:

[187] 1. The participants (210,212) in countries "A" and "B" select articles for sale at auction by accessing an international real-time auction service system(including an Internet site)(200), and demand approval of payment of deposit money, then approve the payment.

[188] 2. Matching servers(60,62) in each country select successful bidders in each country through exclusive E-commerce accounts, cards, credit loans, or transferring of realtime deposited credit generation bills to a frozen account server(80).

[189] 3. First ranking of each country is transmitted to the international real-time auction service system(200).

[190] 4. A final successful bidder in the first ranking of each country is selected.

[191]

[192] When an international electronic trade and E-commerce system is constructed, the electronic trade hub system in accordance with the present invention can provide integrated management of electronic trade DBs in each country, interfaces with EDI systems in each country, connection with bank e-Post electronic trade payment systems in each country, association with logistics and delivery systems, electronic trade forms, payment exchange rate-applied systems, and CORRES debtor and creditor accounts of settlement banks in each country.

[193]

Industrial Applicability

[194] An international E-commerce system in accordance with the present invention tries to realize the following models so as to overcome the above problems and activate E- commerce:

[195] 1. Stability acquisition for settlement of accounts among countries (Harmony of mutual reliability between users and providers).

[196] That is, by adopting a bank e-Post international E-commerce only ID(card) payment method, it is possible to surely transfer credit loans to exclusively designated settlement accounts or cards or to frozen accounts of users' banks through mobile phone approval matched with numbers of the users when the users decide to purchase products. At the same time, the same amount of settlement bills can be generated and transferred to frozen accounts of providers' banks in the other countries.

[197] At this time, the bills transferred to the frozen accounts can give confirmation to users that the providers in the other countries can never withdraw money unless the providers deliver purchased goods according to conditions though the users pay for the goods in advance, and the providers themselves can have confirmation that money can be withdrawn from the providers' settlement accounts once the providers deliver the goods to the users according to conditions since the providers receive a pre-payment service, thereby offering reliability of payment.

[198] 2. After delivery of the goods to the users in the other countries is completed, the providers demand transferring of the frozen accounts. On this occasion, transferring can be realized only when approval of the users in the other countries is obtained, in order to prevent the users from being damaged by defective goods during anonymous transactions.

[199] 3. Prevention of leakage of payment information.

[200] Since a financial institution can assign a third number matched with a credit card and account information as well as confirmation of a customer instead of the account information itself or a credit card number, it is possible to prevent accidents even though leakage occurs during payment on the Internet. It is because settlement bills are designated to be transferred to the frozen accounts only at any cost according to approval of a mobile phone matched with the number.

[201] In accordance with the provisions of the patent statutes, the present invention has been described in what is considered to represent its preferred embodiment. However, it should be noted that the invention can be practiced otherwise than as specifically illustrated and described without departing from its spirit or scope.

Claims

[1] A method for international E-commerce, comprising the steps of: an importer(30) of a country "A", confirming conditions (settlement account conditions, product delivery conditions, etc.) of a firm offer by accessing an electronic trade hub system(l 1), and at this time, demanding approval by inputting a bank e-Post ID number; a bank e-Post payment system(20), transmitting settlement account data and transactional data to a matching server(60) inside a bank(lOO) of the country "A"; if approval is requested to an approval mobile phone of the importer(30) of the country "A" registered in the matching server(60), the importer(30), confirming contents as voice, and inputting an approval number; the matching server(60), confirming the approval number, transferring a settlement bill to a frozen account(80) from an account or a limited account of the importer(30) of the country "A" registered in the matching server(60), and transmitting confirmed transactional details to a frozen account DB server(90), and wherein in the system in accordance with the present invention, importer confirm display data which confirms the importer(30) of the country "A" and firm offer data indicating that transferring of the settlement bill to the frozen account(80) is completed are transmitted to an exporter(32) of a country "B"; the exporter(32) of the country "B", confirming the contents of the firm offer through an electronic trade hub system(l 1), inputting a bank e-Post ID(card) number to the electronic trade hub system(l 1) in accordance with the present invention, and demanding approval, and wherein a bank e-Post payment system(22) of the country "B" transmits transactional data to a matching server(62) inside a bank(102) of the country "B"; if approval is demanded to an approval mobile phone of the exporter(32) of the country "B" registered in the matching server(62), the exporter(32), confirming details as voice, and inputting an approval number in real time; if the matching server(62) confirms the approval number of the exporter(32) of the country "B" and completes the confirmation, generating a settlement bill in accordance with transactional details registered in the matching server(62), transferring the bill to a frozen account(82), and transmitting the confirmed transactional details to a frozen account DB server(92), and wherein a firm offer for displaying confirmation of the exporter(32) of the country "B" in accordance with the present system and for displaying transactional initiation is sent to the importer(30) of the country "A"; the exporter(32) of the country "B", delivering products according to conditions; if a delivery confirm signal and an inspection complete signal are displayed after the exporter(32) of the country "B" delivers the products according to the conditions(it is possible to confirm offline after the importer(30) of the country "A" receives the products), demanding transferring of a bill, and wherein the exporter(32) of the country "B" demands transferring by inputting a bank e-Post ID(card) number and a transactional number through the electronic trade hub system(l l); the matching server(62) of the bank(102) of the country "B", confirming the transactional number and the bank e-Post ID number, and demanding approval to the mobile phone of the exporter(32) of the country "B", and wherein if the approval is confirmed, the matching server(62) transmits the transactional number to the matching server(60) of the country "A" through the electronic trade hub system(l 1); the matching server(60) of the country "A", demanding approval to the mobile phone of the importer(30) of the country "A" corresponding to the transactional number; and if the approval of the importer(30) of the country "A" is completed, transferring the settlement bills in accordance with trade, which are transferred to the frozen accounts(80,82) of the banks (100, 102) of the countries "A" and "B", to each of CORRES accounts(70,72), and wherein as soon as the settelement bill of the importer generated in the frozen account(82) of the bank of the country "B" is transferred to the CORRES account(72), the settlement bill is automatically transferred to an account(98) matched with a bank e-Post ID(card) of the exporter(32) of the country "B".