KR20020003261A - Payment system and method using digital accounts on internet - Google Patents

Abstract

The present invention relates to a payment system and a payment method using an electronic account on the Internet. When a bank receives an Internet banking application from a user and transmits the same to an operator, the operator interworks with the user's bank account and pays within the balance of the bank account. Register and provide an electronic account on the Internet, and after the user downloads the electronic account, the user purchases a product from an information provider using the electronic account and pays the purchase price. It is sent to and settled. The present invention has the effect of providing the convenience and stability of the payment when the user e-commerce on the Internet.

Description

PAYMENT SYSTEM AND METHOD USING DIGITAL ACCOUNTS ON INTERNET}

The present invention relates to a payment system and a payment method using an electronic account on the Internet. More specifically, the user downloads an electronic account linked to his or her bank account and saves the money in his or her bank account in the form of Internet banking. The present invention relates to a system and a method for enabling payment by an online information provider.

The micropayment method conventionally used can be divided into four types.

First, when the buyer enters cash into the seller's account, the seller confirms the deposit and sends the goods.

Second, payment is by credit card. This method is not suitable for those who do not have a credit card and is not suitable for all costs and fees when the payment amount is small (eg less than 10,000 won).

Third, online debit is a method of transferring money on a fixed date, which is difficult to use in addition to regular payment methods.

Fourth, there is a method using electronic money. Electronic money can be divided into two types.

First, the card number and password are given to the one-time card, and the card can be purchased and paid (e.g., e-coin). It is a recharging method that makes online payments by charging money into one's cyber account.

1 is a flowchart of a payment method using electronic money on a conventional Internet.

The conventional payment method using electronic money on the Internet starts when a user connects to an electronic money company on the Internet, applies for electronic money, remits money, or pays a card, and the electronic money company issues money or software currency.

In the case of using a money real estate, when a user takes over electronic money, an authorization number is assigned to the electronic money. A user can access an information provider on the Internet and use the electronic money to conduct a commerce transaction. In order to perform commerce, the user inputs the contents of electronic money to check the amount of electronic money and make a payment.

In the case of using software currency, if an electronic money authorization number is given, the user can access an information provider to check the amount of electronic money, make an electronic commerce transaction, and make a payment.

When payment is made using electronic money, the amount of electronic money used is notified to the electronic money company and the amount of electronic money is corrected.

The present invention is to solve the problems of the conventional payment method as described above, and to provide an information provider on the Internet to conveniently purchase and pay the goods using an electronic account linked to the user's bank account. do.

In addition, the present invention after the user registers and registers the Internet banking that includes the direct debit to the bank holding the account, download the electronic account linked to the user's bank account electronic money to the amount held in their bank account It is intended to be made available in form.

Therefore, there is an advantage that can be directly paid using the balance of their bank account without a separate charging method or card purchase.

In addition, the present invention can be applied to various payments for the purchase of all goods and services sold online.

In particular, it can be effectively used in small payment fields such as MP3 files, Internet movies, Internet education contents, games, cartoons and small pay channels, and can be used in all sites where financial transactions such as Internet shopping malls are made.

It is particularly useful for the digital content transactions that are mainly focused on micro and commerce because they are the main customers of electronic commerce on the Internet, and can provide convenience and security of payment between users and information providers.

The present invention provides the convenience of the user to immediately pay without additional means such as the purchase of a disposable card or charging through a credit card through the interface with the Internet banking of each bank and the convenience of service fee recovery to the information provider can do. In addition, if the present invention is operated independently, the affiliated shopping malls can be paid through the present invention instead of being paid within the payment system of the shopping mall, thereby bringing more effect to the user's information leakage prevention and security maintenance.

In addition, the present invention can be seen as an application of the current debit card system. However, it is convenient because it is not traded by a real card but is operated by a software electronic account and linked with a conventional bank account.

In addition, when the present invention is applied to a mobile communication terminal, the service is performed at a gas station, and when the payment is made using an affiliated gas station card at a terminal in which the system according to the present invention is embedded, the trouble of credit card settlement and the trouble of carrying a cash is made. All can be solved.

1 is a flow chart of the Internet payment method using a conventional electronic money.

2 is a block diagram of a payment system using an electronic account on the Internet according to the present invention.

3 is a flowchart of a payment method using an electronic account on the Internet according to the present invention.

4 is an initial screen of an electronic account according to an embodiment of the present invention.

5 is an electronic account screen according to an embodiment of the present invention.

In order to achieve the above object, the present invention is a payment system using an electronic account on the Internet consisting of a user, a bank, an operator and an information provider, and holds a user's bank account and receives an application for internet banking from the user and transmits it to the operator. And the bank receives the payment history from the operator and settles; An information provider providing and selling information on the Internet and receiving payment from the operator; In connection with the bank and the information provider, an electronic account that is linked with the user's bank account in accordance with the application for internet banking and can be settled within the balance of the bank account is provided and provided on the Internet. An operator who sends the details to the bank and receives payment from the bank and sends it to the information provider; It is characterized in that it comprises a user who downloads an electronic account from the operator or information provider through the Internet and pays the purchase price using the electronic account.

In addition, the present invention comprises the steps of the user applying for Internet banking to the bank; Registering an electronic account that is linked to the user's bank account and can be used within the balance of the bank account; Downloading the electronic account through the Internet and purchasing a product; Paying a purchase price using the electronic account; Sending the usage history of the electronic account to a bank; Moving the use amount of the electronic account to a bank internal account; It characterized in that performed including the step of settingtle the payment.

Hereinafter, with reference to the accompanying drawings will be described in detail the present invention.

2 is a block diagram of a payment system using an electronic account on the Internet according to the present invention.

The payment system comprises a user 10, a bank 30, an operator 20 and an information provider 40.

The bank 30 holds a bank account of the user 10 and is connected to the operator 20 by a dedicated line. When the bank 30 receives an internet banking application from the customer, the bank 30 transmits it to the operator 20. The bank 30 is required to enter into a contract of use with the operator 20 including the period of settlement of the funds and the fee rate.

The information provider 40 is a person who provides and sells information on the Internet such as a shopping mall. The information provider 40 must have a contract with the operator 20 regarding the electronic account including the fund settlement period and fee, and an electronic account payment line must be installed on the payment system. Each information provider 40 is given a unique code number, the serial number for the product is preferably to borrow the existing product unique number as it is. The information provider 40 may query the payment history of the electronic account from the operator 20.

The operator 20 is connected to the bank 30 and the information provider 40 by a dedicated line. The operator 20 should have a contract with the bank 30 regarding a date and fee ratio related to a contract and a fund settlement for data transmission using a leased line.

The user 10 is a person who downloads an electronic account from the operator 20 or the information provider 40 through the Internet and pays the purchase price using the electronic account. It must be installed.

The electronic account 50 is a kind of electronic wallet that can be used when the user 10 purchases a product from the information provider 40 through the Internet. The electronic account 50 is linked to the bank account of the user 10 and is within the balance of the bank account. You can pay at, and the balance is deducted according to the user's payment amount. A user may purchase and pay a product at each information provider 40 while having the electronic account 50.

The payment method using the electronic account 50 on the Internet according to the present invention will be described with reference to FIG.

First, in step S10, the user 10 applies for internet banking to the bank 30. The bank 30 should have a bank account of the user 10, and the Internet banking should include a contract that is settled once or twice daily for payment of the purchase price of the product from the information provider 40. do. It is preferable that the information provider 40 includes contents which are withdrawn or less than the balance of the account on the day of payment. In addition, the validity of the electronic account is authenticated, including a procedure of inputting an ID, a password, a transfer password, and the like of the user 10 who has agreed to use the electronic account when applying for Internet banking. The operator 20 may use a method of recognizing and securing a unique number of the computer system of the current user 10 or other authentication methods for security. To this end, it is desirable to give the user 10 an option that the user 10 can use only in one or two computer systems when applying for Internet banking.

When the bank 30 receives an application for internet banking from the user 10, the bank 30 transmits the same to the operator 20 through a dedicated line.

In step S20, the operator 20 registers the electronic account 50 that can be used within the balance of the bank account in association with the bank account of the user 10 according to the user's application for Internet banking.

In step S30, the user 10 downloads the electronic account 50 through the Internet and purchases a product. Downloading is done in such a way that an electronic account is programmed and set up on the user's computer. There are two ways to download an electronic account and make a purchase.

First, a first method of accessing the operator 20 and directly downloading the electronic account 50 and then accessing the information provider 40 while purchasing the product while having the electronic account.

The first method includes the step of the user 10 accessing the operator 20 (S31); Outputting an electronic account initial screen (S32); Receiving user authentication by inputting an ID and a password (S33); Selecting the bank 30 to download the electronic account 50 linked with the corresponding bank account (S34); Outputting the electronic account screen (S35); It includes the step (S36) of purchasing the goods by accessing the information provider 40 while having an electronic account (50).

Secondly, the second method is to download and select an electronic account as a payment method after accessing the information provider 40 to purchase a product.

The second method includes accessing the information provider 40 to purchase a product (S31 ′); Selecting an electronic account as a payment means (S32 '); Outputting an electronic account initial screen (S33 '); Receiving user authentication by inputting an ID and a password (S34 ′); Selecting the bank 30 to download the electronic account 50 linked with the bank account (S35 ') and the step of outputting the electronic account screen (S36') is performed.

An embodiment of the initial screen of the outputted electronic account is shown in FIG. 4. As shown in FIG. 4, the initial screen includes a user 10 having an ID and password input unit, a bank selection unit, and a download selection unit, and logos of banks and information providers are displayed to link to banks and information providers. It is preferable to include the other advertising unit that can do the other and other advertising. When the initial screen of the electronic account is output, the user inputs an ID and password to authenticate the user, selects the bank 30 from the bank 30 selection button, and clicks the download button to download the electronic account. If you download the electronic account, the electronic account screen is displayed.

An embodiment of the output electronic account screen is shown in FIG. 5.

As shown in Figure 5, the electronic account screen is based on the shape of the existing bank account, it is preferable to use a manner in which the transaction history is displayed vertically.

The electronic account screen may include an affiliate code input unit, a payment amount input unit, a payment selection unit, a balance check unit, an affiliate information provider search unit, a payment contents search unit, and a transaction history unit, and may include another advertisement unit. In the transaction history, it is preferable to show only the details used by the affiliate information provider and not show the bank transaction history. This is because security problems may occur when showing bank transactions. The transaction history portion preferably includes a transaction date, transaction details, amount used, current balance, and a trading partner. The current balance shows the amount of money that can be used at affiliated shopping malls.

When the user 10 initially downloads the electronic account and then executes it, the user 10 confirms that the password is the same as the password for the internet banking application and maintains security.

The user 10 may purchase a product while having the electronic account 50 when accessing each information provider 40 after downloading the electronic account 50. User 10 is connected to each information provider 40 can minimize the possession of the electronic account screen when purchasing a product can be conveniently used.

Thus, the user can realize the same effect online as carrying the cash in the wallet while offline. In addition, since the user 10 can download the electronic account from any one of the information providers 40 and check the contents of the bank account he / she currently holds, teenagers who do not have a credit card need only have an account at the bank. It is available.

Since the user 10 may visit a variety of information providers 40 and purchase a product while having his or her own electronic account, the financial transaction information of the user 10 may be independently maintained without leaving the information provider 40 or the web. Can be operated as Therefore, it is possible to use an electronic account that can be held without using conventional Internet banking in cyber transactions.

The security of the electronic account is the most important for the current user interface (USER INTERFACE), and can be used by borrowing a system unique number management system or an existing security program.

In step S40, the purchase price is paid using the electronic account. The purchase price payment is entered by entering the affiliate code and payment amount of the information provider 40 on the electronic account screen and selects the payment button to pay.

If you click the payment button, a new line is formed in the transaction history and the payment details are displayed. When the user 10 confirms the payment details and the balance, the payment ends.

In step S50, the usage history of the electronic account is sent to the bank 30. When the user 10 makes a payment at the information provider 40 and the balance of the electronic account changes, the operator 20 notifies the bank 30 of the usage history in real time.

In step S60, the use amount of the electronic account is moved to an internal bank account.

That is, the user withdraws the deposit from the user's bank account and transfers it to an interest-free account inside the bank, such as a separate deposit or a deposit. The withdrawal date is preferably twice a day.

In step S70, the funds in the bank internal account are transferred to the operator 20 after the settlement period. The period and fee rate related to the settlement of funds may be determined by the contract of the operator 20 and the bank 30. The bank 30 remits the rest of the funds in the internal account to the operator 20 except for the bank profit. The amount remitted from the bank to the operator is remitted to the information provider 40 who has sold the product except for the operator's own fee.

In addition, the present invention can be applied to a mobile communication terminal to refuel at a gas station, and this can be paid using an associated gas station card in a terminal having a system according to the present invention.

As described above, the present invention has the effect that the user can conveniently and securely pay online with the amount held in his or her bank account at the time of Internet e-commerce after downloading the electronic account.

In addition, since users can download electronic accounts and visit their various information providers while purchasing their products, they can operate their products independently without leaving their information providers or the web. Security can be strengthened, and there is an effect that payments can be made directly using the balance of their bank account without the need for a separate charging method or card purchase.

The user can eliminate the inconvenience of remittance or card payment to the electronic money company and the hassle that needs to be charged before use, and it is connected to an existing account and there is no additional burden. Since the bank is operating in a bank, the stability of funds is increased.

Banks can promote Internet banking for their existing customers, expect to reduce capital management costs by creating uninterrupted funds that do not incur interest costs, and also benefit from profit sharing with operators. Can be.

The operator has a significant effect on increasing price competitiveness by reducing the burden of funds that do not have to be managed directly, and minimizing the cost incurred in existing small transactions.

As described above, the present invention relates to a system and a method for allowing a user to download an electronic account and make a payment at an Internet information provider at an amount held in a bank account. It may be possible, but is not limited to the above.

Claims (11)

In the payment system using an electronic account on the Internet consisting of users, banks, operators and information providers, A bank that holds a user's bank account, receives an internet banking application from the user, transmits the same to the operator, and receives and pays the payment details from the operator; An information provider providing and selling information on the Internet and receiving payment from the operator; In connection with the bank and the information provider, an electronic account that is linked with the user's bank account in accordance with the application for internet banking and can be settled within the balance of the bank account is provided and provided on the Internet. An operator who sends the details to the bank and receives payment from the bank and sends it to the information provider; And a user who downloads an electronic account from the operator or an information provider through the Internet and pays the purchase price using the electronic account. A user applying for internet banking to the bank; Registering an electronic account that is linked to the user's bank account and can be used within the balance of the bank account; Downloading the electronic account through the Internet and purchasing a product; Paying a purchase price using the electronic account; Sending the usage history of the electronic account to a bank; Moving the use amount of the electronic account to a bank internal account; Payment method using an electronic account on the Internet, characterized in that performed including the step of calculating the payment amount. The method of claim 2, wherein downloading the electronic account and purchasing a product After downloading the electronic account directly by accessing the operator, the first method of accessing the information provider while purchasing the product while possessing the electronic account, or purchasing the product by accessing the affiliated information provider and purchasing the electronic account as a payment method A payment method using an electronic account on the Internet, characterized in that selectively using any one of the second method to select and download. The method of claim 3, wherein the first method Connecting a user to an operator; Outputting an electronic account initial screen; Receiving user authentication by inputting an ID and password; Selecting a bank and downloading an electronic account linked with the bank account; Outputting an electronic account screen; The payment method using the electronic account on the Internet, characterized in that carried out including the step of purchasing a product by accessing an information provider while having the electronic account. The method of claim 3, wherein the second method Accessing an information provider and purchasing a product; Selecting an electronic account as a payment means; Outputting an electronic account initial screen; Receiving user authentication by inputting an ID and a password; Selecting a bank and downloading an electronic account linked with the bank account; Payment method using an electronic account on the Internet, characterized in that performed including the step of outputting the electronic account screen. The method of claim 4 or 5, wherein the initial screen of the electronic account includes an ID and password input unit, a bank selection unit, and a download selection unit. The method of claim 6, wherein the initial screen of the electronic account further comprises a link unit or another advertisement unit of a bank and an information provider. The method of claim 4 or 5, wherein the electronic account screen includes an affiliate code input unit, a payment amount input unit, a payment selection unit, a transaction history unit, and a balance check unit. The payment method of claim 8, wherein the transaction history unit comprises a transaction date, a transaction content, an amount used, a current balance, and a transaction information provider. The method of claim 8, wherein the electronic account screen further comprises an information provider search unit, a payment contents search unit, or another advertisement unit. The payment method according to claim 2, wherein the purchase price payment comprises inputting an affiliate code and a payment amount of an affiliate information provider and selecting a payment selection unit for payment.