KR100837368B1 - Escrow service system and method of the same - Google Patents

Abstract

The present invention relates to an escrow service system and a method thereof, and more particularly, to an escrow service system and method for brokering a transaction between a buyer and a seller by guaranteeing payment of goods and services.

According to the escrow service system and the method of the present invention, the transaction concluded on the affiliated site or the existing commerce to the bank through a secure communication with the bank, the bank is based on the established Internet banking, firm banking, etc. The data is securely stored, and the payment can be securely paid or refunded to the trading participants through the verification function of the trading party.

Description

Escrow service system and its method {ESCROW SERVICE SYSTEM AND METHOD OF THE SAME}

1 is a network diagram of an escrow service system according to the present invention;

2 is a network diagram of another escrow service system according to the present invention;

3 is a network diagram of another escrow service system according to the present invention;

Figure 4 is an escrow service method according to the present invention, an explanatory diagram for explaining how a customer is directly connected to the escrow service system of the present invention to receive an escrow service

5 is another escrow service method according to the present invention, an explanatory diagram for explaining a method of receiving an escrow service by directly connecting to an escrow service system of the present invention;

Figure 6 is another escrow service method according to the present invention, an explanatory diagram for explaining how a customer receives an escrow service by connecting to the escrow service system of the present invention through a relay agency

7 is a flowchart illustrating an escrow service method according to the present invention.

8A is a flowchart illustrating a process of registering a customer by an internet banking subscriber in an escrow service system according to the present invention.

8B is a flowchart illustrating a process of registering a customer by a non-subscriber of an internet banking bank to an escrow service system according to the present invention.

8c is a flowchart illustrating a process in which another bank customer registers a customer in an escrow service system according to the present invention.

8d is a flowchart illustrating a process of registering a customer with a certificate micro-customer customer in an escrow service system according to the present invention.

9 is a flowchart illustrating a process of registering transaction information in an escrow service system according to the present invention.

10 is a flowchart illustrating a process for requesting a payment from an escrow service system according to the present invention.

11 is a flowchart illustrating a process of processing a deposit exception in an escrow service system according to the present invention.

12 is a flowchart illustrating a process of payment and refund in an escrow service system according to the present invention.

13 is a flowchart illustrating a process of depositing a purchase price into a virtual account for escrow using a virtual account in an escrow service system according to the present invention.

14 is a flowchart illustrating a process of depositing a purchase price into a virtual account for escrow using electronic money in an escrow service system according to the present invention.

15 is a flowchart illustrating a process of depositing a purchase price into a virtual account for escrow using a credit card in an escrow service system according to the present invention.

<Explanation of symbols for the main parts of the drawings>

100A, 100B, 100C, 100: Escrow Service System

105: intrusion prevention server 110: intrusion detection server

115: web server 120: mail server

125A, 125B, 125C, 125: Escrow server 130: Electronic money server

135: support server 140: database server

145: authentication server 150: communication server

155: Intrusion Prevention Server 160: Bank Host

165: linked server 200: Internet

300: customer or buyer

400: Computer of seller (relay agency) or seller (relay agency)

410: web server 420: communication server

430: intrusion prevention server

500: relay agency or relay agency computer

510: web server 520: communication server

530: intrusion prevention server

600: Seller 700: Credit Information Agency

The present invention relates to an escrow service system and a method thereof, and more particularly, to an escrow service system and method for brokering a transaction between a buyer and a seller by guaranteeing payment of goods and services.

In general, the sender must know the account number of the payee in order to send money to the payee. Therefore, the collector must ask for the account number and the member bank, and the collector must endure the leakage of the account number. In order to solve this problem, a conventional Internet site provides a system that allows a wire transfer without using an account number of a collector by using an email of a collector. This system allows the collector to check the remittance e-mail and access the Internet site and transfer the remitted money to his account. However, in this system, the Internet site had a problem of merely storing the money and delivering it to the money collector.

Another conventional technology is that when a customer enters a credit card or bank account number or account number and password of a customer to pay for the purchase price of a product and transmits it to an Internet company, the Internet company provides a dedicated line with the financial system. A system that processes payments directly through a payment system through a brokerage system that relays payments with a financial system or transfers payment results to an internet company is widely used.

However, the payment system as described above is decoded by the Internet company or the relay company system even though the data of the customer or the Internet company is inputted and encrypted or transmitted on the Internet as input of important information of the customer or the Internet company. There is a big problem in safety because it is very dangerous to be hacked or stealed important information by malicious because it is transmitted from. If the error occurs due to the failure of the public network during the transmission of the payment information, the information that was entered is returned. There is a problem that the user consumes unnecessary time and manpower because it must be repeatedly entered and transmitted, and there is insufficient evidence to clearly prove the transaction details when a dispute occurs between a customer and a shopping mall operator or a payment system operator. Possessed.

Another conventional technique is a method of using a virtual account that facilitates payment between a second financial institution and a partner bank by using a virtual account, in which case the virtual account management server is financed regardless of whether the virtual account management server exists in a bank or other institution. When a request for a transaction occurs, the account must be validated by both the second bank and its partner bank, and the transaction results must be shared between the second bank and the bank. Therefore, there is a problem that cannot be widely used because there must be a prior agreement between the second financial sector / virtual account management institution (for example, financial transaction relay Internet site) and the bank.

In addition, as described above, since the bank merely functions to approve the issuance of the virtual account and manage the account, there is a problem in that it cannot quickly cope with the increasing e-commerce.

An object of the present invention is to solve the above problems, and transfers the transaction information concluded in the inter-person commerce cooperation site or the existing commerce to the bank through the secure communication of the bank, the bank is established Internet banking, firm banking, etc. It provides the escrow service system and method that securely stores the relevant data based on the data and securely pays or refunds the transaction participants through the verification function of the trading party.

In addition, another object of the present invention is to open a virtual account having the same characteristics as a real account in the bank, and to use the virtual account to transfer money and the deposit amount of the virtual account in a variety of ways and an escrow service system To provide.

In addition, another object of the present invention is to establish a virtual account in the bank to transfer the amount of money to the e-mail of the collector without an account number, the escrow service system that can use the virtual account in the form of payment or electronic money of electronic commerce And to provide a method.

In order to achieve the above object, the present invention

In an escrow service system,

A web server configured to transmit and receive data through a communication network;

A mail server configured to send and receive email through the communication network;

Is connected to the web server and the mail server, issuing a virtual account for escrow by the application of any one of the buyer, seller, relay agency, and concluded between the buyer and the seller or the relay agency through the communication network The transaction information is stored, and when the price of the product purchased by the virtual account for escrow is received, the product is delivered to the purchaser to confirm the payment and the payment is made to the seller or the refund is refunded to the purchaser. An escrow operation server for storing user registration information, payment means information, virtual account related information, and transaction history information using the virtual account;

An intrusion prevention server that monitors a packet flowing in a network in real time to prevent unauthorized users from accessing important files or directories stored in the escrow service system;

An intrusion detection server connected between the intrusion blocking server and the web server and the mail server to monitor packets flowing through the network and to immediately alert an administrator when an unauthorized packet is found;

An electronic money operating server controlled by the escrow operation server and managing and operating a transaction using electronic money when the payment is made to the virtual account for escrow;

A database server controlled by the escrow operation server and storing various data related to banking;

A bank host that manages the base accounts of the respective banks and other banks having the escrow service system;

A linked server connected to the bank host to transmit and receive data between the bank and another bank;

A communication server for interfacing data between the escrow operation server and the bank host; And

Is connected to the escrow operation server, the authentication server for confirming the user at the time of membership registration of the buyer owns the certificate, and confirms the change of personal information of the member; includes,

The virtual accounts issued by the escrow operation server are issued in plural in advance instead of being issued for each customer, and are stored in the pool form in the escrow operation server, and the buyer and the seller or the relay agency through the communication network. If the transaction information entered in between is provided for each transaction is provided by escrow service system characterized in that it is given.

The transaction information may include the user's own ID, whether the user is a buyer or seller in the transaction, product group, product / model name, unit price of the transaction product, quantity of the transaction product, payment method of the product price, transaction unit of the product, Including the transportation method, the counterpart's ID, the payment account number, the trading site, the URL, the counterpart's e-mail address, and the mobile phone number,

The price of the purchased goods deposited into the virtual account for the escrow is characterized in that the payment is made by means of payment including electronic money, credit card, CD, ATM, Internet banking, telebanking, bank window.

The escrow operation server,

After checking the deposit history of the virtual account in the bank host and transmits it to the escrow service system,

Check whether there is a RBI in the escrow service system that has received the deposit,

If no RBI is found according to the inspection result, the buyer is requested to deliver the goods to the seller, and the buyer is notified.

If there is a spot right according to the test result, the seller is notified to suspend the delivery of goods until the funding time,

If the bankruptcy or funding extension occurs in the state in which the RBI is generated, the seller is notified of the reservation of delivery, and the buyer is requested to make an additional deposit.

The present invention also provides a bank escrow service method implemented in any one of the above escrow service system,

Receiving, by the escrow operation server, membership from the buyer through the bank's web server;

Registering transaction information and user information after membership of the buyer;

For each transaction agreed between the buyer and the seller who agreed to use the escrow service of the bank, a plurality of virtual accounts for depositing the purchase price are issued in advance and stored in the escrow operation server as a pool. Thereafter, if the transaction information entered between the buyer and the seller or the relay agency is input through a communication network, the transaction is provided for each transaction;

Requesting the buyer to make a transaction deposit for the transaction if a transaction occurs;

Allowing the purchaser to deposit the purchase price into the virtual account until the deposit date after the purchaser inputs the payment schedule information by the transaction price request;

Notifying the seller of the payment of the goods from the buyer and requesting the seller to deliver the goods;

Allowing a buyer who receives a product from the seller to select whether to approve purchase; And

It provides a method of escrow service comprising the step of notifying the seller to pay the purchase price or to refund the purchase price in accordance with the purchase approval of the buyer.

Registering the transaction information,

Registering the transaction information necessary for the transaction after the buyer accesses the web server of the bank;

Verifying the registered account information of the buyer;

If the account information of the buyer is an account of the bank, checking whether a real account exists through a host of a bank; if another bank account, checking whether a real account exists through a linked server;

If the purchaser's account information is confirmed as a real account, it comprises the step of requesting a transaction agreement after registering with the use account.

The transaction information may include the user's own ID, whether the user is a buyer or seller in the transaction, product group, product / model name, unit price of the transaction product, quantity of the transaction product, payment method of the product price, transaction unit of the product, It includes the transportation method, the counterpart's ID, the payment account number, the trading site, the URL, the counterpart's e-mail address, and the mobile phone number.

The method for verifying the account information is characterized by verifying the account information through the account confirmation using the account holder, bank code, account number.

The method for requesting a transaction price to the buyer is characterized in that it includes an e-mail (E-Mail), SMS, Internet communication.

Receiving an application for membership by the buyer subscribed to the Internet banking of the bank,

Accessing the web server of the bank and providing the registered user information during internet banking to the bank host requested by the buyer who has agreed to the terms and conditions provided by the web server;

And receiving additional information from the user information provided from the bank host and registering the member.

When the buyer accesses and logs in to the bank's web server, the purchaser includes an Internet banking ID and a password.

Receiving an application for membership by the buyer who has not subscribed to internet banking of the bank,

Accessing the bank's web server and applying for membership by the buyer who has agreed to the terms and conditions provided by the web server;

Providing the requested user information to a bank host by inputting the bank number and social security number of the bank; And

Additional information is input to the user information provided from the bank host, characterized in that the member registration is completed.

The step of applying for membership by the buyer of one of the banks and the other banks who own the accredited certificate,

The purchaser accesses the web server of the bank, enters an official certificate password, checks his / her identity, and checks whether the real account is used by using another bank network for the user account.

The step of applying for the membership by the buyer of one of the banks and other banks with a small certificate,

The buyer accessing a web server of the bank;

Agreeing to the terms and conditions provided by the web server and inputting a social security number and a use account;

Checking whether the name is the same as a member's name using a credit information agency by inputting the social security number, and verifying account information using a bank host by inputting the user account; And

And after completing the account information verification, inputting user information to complete the membership.

 The step of depositing the purchase price to the virtual account

After the seller and the buyer make a transaction agreement, the virtual account is exchanged for each transaction agreed upon, and the buyer is requested to deposit the transaction price.

The buyer receiving the transaction payment request is characterized in that the deposit input information to store the input.

The deposit scheduled information includes a virtual account number, an order execution number, a depositor ID, and a scheduled deposit date.

To pay or refund the purchase price,

Allow the buyer to select one of purchase approval and rejection of purchase for the purchased product,

If the buyer approves the purchase, the purchase price is paid to the seller,

If the buyer rejects the purchase, refund the purchase price to the buyer through a refund procedure.

Generate transfer data for the transaction that paid or refunded the purchase, and then sent it to the bank host for transfer;

The transfer result is notified to the buyer and the seller, characterized in that to complete the transaction.

When the escrow operation server deposits the price of the purchased product into the virtual account for the escrow granted by the buyer, the seller informs the seller of the deposit and requests the seller to deliver the product to the buyer, and receives the product from the seller. If the buyer approves the purchase, the seller pays the price, and if the purchase is rejected, the buyer refunds the price or notifies the seller of the return.

The method of depositing the money into the virtual account for escrow is characterized in that the deposit by electronic means, credit card, CD, ATM, Internet banking, telebanking, banking means, including a bank window.

The escrow operation server, when the seller opens a virtual account for escrow, and the buyer deposits the price of the purchased goods into the virtual account for the escrow, it is notified to the seller and requests to deliver the goods to the buyer, When the buyer receives the goods from the seller, the purchaser approves the purchase, and when the seller requests payment to the bank, the seller pays the seller and then notifies the seller, and when the buyer rejects the purchase, the buyer Refund the price or notify the seller of the return.

The method of depositing the money into the virtual account for escrow is characterized in that the deposit by electronic means, credit card, CD, ATM, Internet banking, telebanking, banking means, including a bank window.

The escrow operation server, the relay agency establishes a virtual account for escrow, and the purchaser for the purchase price of the goods purchased by the buyer while the seller and the buyer agreed to trade the goods through the relay agency When the deposit is made to the virtual account for escrow, it is notified to the relay agency to request that the seller delivers the goods to the buyer, and when the buyer who receives the goods from the seller approves the purchase, the relay to the bank. After requesting payment and paying the seller and notifying the relay agency, if the buyer rejects the purchase, the relay agency will exchange the buyer's goods with the seller or refund the transaction through the bank. Characterized in that the notification.

The method of depositing the money into the virtual account for escrow is characterized in that the deposit by electronic means, credit card, CD, ATM, Internet banking, telebanking, banking means, including a bank window.

The escrow operation server receives an application for membership in the buyer rotor through the web server of the bank, registers transaction information and user information after membership in the buyer, and the seller decides to use the escrow service of the bank. In the agreed state, for each transaction agreed between the buyer and the seller, the buyer issues a virtual account through which the buyer can deposit a purchase price, requests the buyer to deposit the transaction price by changing the virtual account, After the purchaser inputs the scheduled payment information by the transaction payment request, the buyer deposits the purchase price into the virtual account until the deposit scheduled date, and notifies the seller that the price of the goods has been deposited from the buyer. Request that the goods be shipped and have received the goods from the seller The seller may select whether to approve the purchase, and notify the seller to pay the purchase price or refund the purchase price to the seller according to whether the purchase is approved.

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

1 is a diagram illustrating a network configuration of an escrow service system 100A according to the present invention, and illustrates a case in which a customer 300 is directly connected to the escrow service system 100A to receive a service.

First, escrow service means 'conditional day certificate', and it is a service that acts as an intermediary protection device so that the seller and the buyer can be protected during normal and e-commerce. That is, the escrow service requests delivery to the seller when payment is made by the buyer, and pays the seller only when the buyer is notified that the goods have been properly received. At this time, the purchaser may refuse the purchase and receive a refund if there is a problem or a product different from the contract.

As shown in FIG. 1, the escrow service system 100A includes an intrusion prevention server 105, an intrusion detection server 110, a web server 115, a mail server 120, an escrow operation server 125A, and an electronic device. Currency operation server 130, support server 135, database (DB) server 140, authentication server 145, communication server 150, intrusion prevention server 155, bank host 160, linked server ( 165).

The intrusion blocking server 105 blocks access to unauthorized resources through the Internet communication network 200. That is, it prevents unauthorized users from accessing important files or directories. The intrusion blocking server 105 monitors packets flowing through the network in real time to block unauthorized users' access.

The intrusion detection server 110 is connected between the intrusion blocking server 110, the web server 120, and the mail server 115, and monitors packets flowing through the network through real-time monitoring of the network. At this time, when an unauthorized packet is found, the administrator of the packet is immediately alerted by e-mail or pager.

The web server 115 enables data transmission and reception with a computer of the customer 300.

The mail server 115 may exchange e-mail with a computer of the customer 300.

The escrow operation server 125A operates and manages an escrow service serving as a transaction intermediary between the buyer 300 and the seller by guaranteeing the payment of goods.

The escrow operation server 125A includes the purchaser 300 who purchases the product through the Internet communication network (Internet auction, shopping mall, etc.) 200 and the seller who sells the product (not shown) provided in the escrow service system. In the state of agreeing to use the escrow service to the bank (hereinafter referred to as "the party bank"), a virtual account for escrow is opened upon application of the buyer 300. When the buyer 300 deposits the purchase price of the product into the virtual account for escrow, the buyer is notified of this and the product is delivered to the buyer 300. Then, the controller 300 controls and manages the payment to the seller by the purchase approval of the buyer 300 who has received the goods.

The electronic money operation server 130 manages and operates a telephone currency transaction when depositing a price of a product into the virtual account for escrow using electronic money. At this time, the electronic money is created with the virtual account when the customer completes the customer registration (member registration) in the escrow service system. The electronic money can be charged using the virtual account and credit card. The charge through the virtual account is automatically recharged by the customer deposits through the bank. In addition, the electronic money can be transferred, in this case it is necessary to confirm the payee of the withdrawal account in order to transfer (withdrawal) to our bank / other banks.

The support server 135 includes a member database, a virtual account management database, and a transaction history database. At this time, the member database stores the user registration information (name, ID, password, email address, mobile phone number, address, etc.) and payment means selected by the user. The virtual account management database stores virtual account related information such as issued virtual account number, virtual account password, virtual account balance, and transfer information at the time of deposit / withdrawal of the virtual account. In addition, the transaction history database stores a transaction history using a virtual account.

For reference, a virtual account refers to a virtually created account of a singer given with a 1: N number using a real account database and a representative account opened in an affiliated bank by a request from an affiliated institution as a parent account. This virtual account is stored in the virtual account management database.

The database server 140 stores various data related to the escrow operation server 125A and the electronic money operation server 130.

The authentication server 145 confirms a user by using user information and a user account when registering a certificate holder.

The communication server 150 interfaces to enable data transmission and reception between the escrow operation server 125A and the bank host 160.

The intrusion server 155, like the intrusion server 105, blocks access to unauthorized resources through the bank host 160. That is, it prevents unauthorized users from accessing important files or directories. The intrusion blocking server 155 monitors a packet flowing in a network in real time to block an unauthorized user's access.

The bank host 160 manages the base account (parent account) of the parent bank.

The linked server 165 is connected to a bank common network (CD common network, other bank common network, CMS common network) to manage the bank / other bank transactions,

The bank host 160 and the linked server 165 function to pay a corresponding amount when the virtual account balance is charged, remitted, or withdrawn.

Next, a method of directly receiving a escrow service by directly connecting to a bank (our bank) equipped with the escrow service system 100A will be described in more detail with reference to FIG. 4.

First, the buyer 300 who purchased the product through the Internet communication network 200 and the seller 600 who sold the product agree to use the escrow service of the bank 1000 (step S1). By this agreement, the buyer 300 applies an escrow service to the bank 1000 and issues a virtual account for escrow (step S1).

Next, the purchaser 300 deposits the price of the purchased product into the virtual account for the escrow (step S2).

Then, the bank 1000 confirms the price of the goods deposited from the buyer 300 and then notifies the seller 600 of this request to deliver the goods to the buyer 300 (step S3).

Thereafter, the seller 600 delivers the goods to the buyer 300 after being informed that the payment of the purchaser 300 is securely stored from the bank 1000 (step S4).

Then, after receiving the goods from the seller 600, the buyer 300 selects one of the purchase approval and the purchase refusal to the goods purchased by the buyer 300 and notifies the bank 1000 of the party (step S5). ). In this case, the rejected goods are returned by the bank 1000 through an agreement with the seller 600.

Finally, the bank 1000 pays the seller 600 for the purchase approval of the purchaser 300 normally (step S6).

2 is a diagram illustrating a network configuration of another escrow service system 100B according to the present invention, in which a seller 400 directly becomes a relay agency 400 and receives an escrow service through the escrow service system 100B. will be.

The escrow service system 100B shown in FIG. 2 and the escrow service system 100A shown in FIG. 1 differ only from the escrow operation servers 125A and 125B, and the rest is identical in configuration and operation. Therefore, since the same configuration has been described with reference to FIG. 1, a detailed description thereof will be omitted below.

The escrow operation server 125B opens a virtual account for escrow by the seller 400 who applied for escrow service to the bank. And, when a buyer (not shown) who has purchased a product to the seller 400 deposits the purchase price into the virtual account for the escrow of the seller 400, it stores and manages it. In addition, the seller 400 notifies that the purchase price has been deposited from the buyer, and requests the seller 400 to deliver the goods to the buyer. In addition, when the seller 400 requests payment by the purchaser of the purchaser who has received the goods, the seller 400 pays the price and controls and manages to notify the seller 400 of the fact. .

The merchant's computer 400 includes a web server 410, a communication server 420, and an intrusion prevention server 430. Here, the web server 410 transmits and receives data with the web server 115 of the escrow service system 100B through the Internet communication network. The communication server 420 interfaces with the escrow service system 100B to enable data transmission and reception. In addition, the intrusion blocking server 430 blocks access to unauthorized resources through the Internet communication network 200.

Then, a method of receiving the escrow service by connecting the seller 400 serving as a relay to the bank (the bank) equipped with the escrow service system 100B will be described in detail with reference to FIG. 5. do.

First, a seller 400 who sells a product through the Internet communication network 200 requests an escrow service to a bank 1000 provided with the escrow service system 100B to open a virtual account for escrow.

Next, the buyer 300 purchases the product from the seller 400 through the internet communication network 200 (step S11).

Next, the purchaser 300 who purchased the product deposits the price of the product into the virtual account for the escrow of the seller 400 opened in the bank 1000 (step S12).

Then, the bank 1000 notifies the seller 400 that the purchase price has been deposited from the buyer 300 and requests the seller 300 to deliver the product (step S13).

Then, the seller 400 delivers the goods to the buyer 300 after being notified of the payment received from the bank 1000 (step S14).

Next, after receiving the goods, the buyer 300 selects one of the purchase approval and the rejection of the purchase for the goods purchased by the buyer 300 and notifies the seller 400 (step S15).

Next, the seller 400 requests payment to the bank 1000 by the purchase approval of the buyer 300 (step S16).

Finally, the bank 1000 notifies the seller 400 after making a payment to the seller 400 (steps S17-18).

3 is a network configuration diagram of a financial settlement system using another escrow service system according to the present invention, in which a customer 300 is connected to the escrow service system 100C through a relay agency 500 to receive an escrow service. The case is shown.

The escrow service system 100C shown in FIG. 3 and the escrow service system 100A shown in FIG. 1 differ only from the escrow operation servers 125A and 125C, and the rest is identical in configuration and operation. Therefore, since the same configuration has been described with reference to FIG. 1, a detailed description thereof will be omitted below.

The escrow operation server 125C opens a virtual account for escrow according to the request of the relay agency 500, and the buyer 300 and the seller (not shown) through the relay agency 500 for the goods. In the state in which the transaction is agreed, the buyer 300 who purchased the product deposits the purchase price of the product into the virtual account for the escrow of the relay agency 500, and stores and manages it. In addition, the relay agency 500 notifies the fact that the purchase price has been deposited from the buyer 300, and the relay agency 500 notifies the seller of the deposit and delivers the goods to the buyer 300. Ask. In addition, when the relay agency 500 requests payment by the purchase approval of the purchaser 300 that has received the goods from the seller, the relay agency 500 pays the seller and informs the relay agency 500 of the payment. Control and manage.

The relay agency computer 500 includes a web server 510, a communication server 520, and an intrusion prevention server 530. Here, the web server 510 transmits and receives data to and from the web server 115 of the escrow service system 100C through the internet communication network 200. The communication server 520 interfaces with the escrow service system 100C to enable data transmission and reception. In addition, the intrusion blocking server 530 blocks access to unauthorized resources through the Internet communication network 200.

Next, a method of receiving the escrow service by connecting the escrow service system 100C to the escrow service system 100 through the relay agency 500 will be described in more detail with reference to FIG. 6.

First, the relay agency 500 applies for an escrow service to a bank equipped with the escrow service system 100C and issues an escrow virtual account.

Next, the buyer 300 and the seller 600 agree on a transaction for a product through the relay agency 500 (step S21).

Next, the buyer 300 deposits the purchase price of the goods into the virtual account for the escrow of the relay agency 500 (step S22).

Then, the bank 1000 notifies the relay agency 500 that the purchase price has been deposited from the buyer 300 (step S23).

Then, the relay agency 500 requests the seller 600 to deliver the goods after receiving notification from the bank 1000 that the buyer 300 deposits the price of the goods (step S24).

Then, the seller 600 confirms the fact that the buyer 300 has deposited the purchase price through the relay agency 500 and delivers the goods to the buyer 300 (step S25).

Next, after receiving the goods, the buyer 300 selects any one of the purchase approval and the refusal of the purchase for the product purchased by the buyer 300 and notifies the relay authority 500 (step S26).

Then, the relay agency 500 requests payment to the bank 1000 to pay the seller 600 for the goods approved by the buyer 300 (step S27).

Then, the bank 1000 pays the seller 600 and then notifies the relaying agency 500 (steps S28-29).

7 is a flowchart illustrating an escrow service method according to the present invention.

Referring to FIG. 7, the customer 300 first accesses a web server of a bank (our bank) equipped with an escrow service system 100 of the present invention using a web browser of a personal computer (PC), and then registers a customer ( Registration) (step S101). At this time, an electronic money number is generated.

Next, the customer (purchaser) 300, who has completed customer registration, logs in to the escrow service system 100 to register transaction information and user information (steps S103-S107).

Then, when a transaction is agreed between the buyer 300 and the seller, a virtual account number for the purchaser to deposit a purchase price is generated for each agreed transaction (step S109). At this time, the virtual account number is used when charging or paying electronic money.

Thereafter, the virtual account is exchanged for each transaction in which a transaction is agreed between the buyer 300 and the seller, and the buyer 300 is requested to deposit a transaction (step S111). At this time, the method for requesting the transaction payment to the buyer 300 uses E-mail or SMS (short message service).

Next, the buyer 300 receives the deposit request, enters the deposit scheduled information into the escrow service system 100 and deposits the purchase price into the virtual account until the deposit scheduled date (step 113).

At this time, the customer using the bank's Internet banking can be transferred to the virtual account using the simple payment through the bank's Internet banking. In addition, it is possible to deposit the transaction amount directly through the Internet banking, or may be deposited using a CD (cash dispenser), ATM (automatic teller machine), Internet banking (IB), bank teller. It is also possible to transfer to a virtual account using electronic money.

On the other hand, other bank customers can deposit via other banks Internet banking, CD, ATM, teller deposit, electronic money.

Next, when it is confirmed that the purchase price is deposited in the virtual account of the buyer 300 (step S115), the seller is requested to deliver the goods ordered by the buyer (step S117).

Then, after receiving the goods, the buyer 300 selects any one of the purchase approval and the purchase refusal for the goods purchased by the buyer (steps S119-S121).

Then, the bank terminates the transaction by paying the seller or refunding the amount deposited into the virtual account to the buyer 300 by the purchase approval or rejection of the purchaser 300 (steps S123-S125). ).

8A through 8D are diagrams illustrating a process of registering a customer (subscription) in an escrow service system according to the present invention. FIG. 8A is a flowchart illustrating a process of registering a customer by the Bank Internet Banking subscriber, and FIG. 8C is a flowchart illustrating a process of registering a customer by a non-subscriber of bank internet banking, and FIG. 8C is a flowchart illustrating a process of registering a customer by another bank customer who owns a certificate. This is a flow chart showing the process.

Customer registration of the escrow service system includes personal customer registration and corporate customer registration. In the personal customer registration, only the customer who uses the Internet banking of the bank (the bank) equipped with the escrow service system, the customer who has the bank account only, the customer who uses the KFTC's certificate as another bank customer, and the bank account of the other bank There is a customer and the like, and the corporate customer registration includes a customer who has subscribed to our bank internet banking. On the other hand, customers who do not have financial transactions through the bank cannot use the escrow service system.

Next, the process of registering the customer (member registration) by the subscriber of the bank internet banking service will be described with reference to FIG. 8A.

First, the customer 300 accesses a web server of the bank using a web browser of a personal computer (step S131-S133).

Next, if the user agrees to the terms and conditions provided by the web server, the bank host 160 requests user information (step S137).

Then, after receiving the user information from the bank host 160, input the necessary additional information to complete the user registration (steps S139-S141). As a result, the customer 300 obtains the right to use the escrow service of the bank (step S143). At this time, the authority to use electronic money is obtained.

The customer who is not logged in to the bank enters the Internet banking user ID and password in step S135.

Next, referring to FIG. 8B, a process of registering a customer who is not subscribed to the Internet banking of the bank will be described.

First, the customer 300 accesses the web server of the bank using a web browser of a personal computer (step S151-S153).

Next, agree to the terms and conditions provided by the web server and apply for membership (steps S155-S157).

Next, the user information is requested to the bank host 160 by inputting the bank account number and the social security number (step S159).

Then, after receiving the user information from the bank host 160, input the necessary additional information to complete the user registration (steps S161-S163). As a result, the customer 300 obtains the right to use the escrow service system (step S165).

Next, a process of registering a customer by another bank customer who owns an accredited certificate will be described with reference to FIG. 8C.

First, the customer 300 accesses the web server of the bank using the web browser of a personal computer (step S171-S173).

Then, when requesting the submission of the public certificate enter the public certificate password (steps S175-S177).

Then, after confirming the user in the authentication server 145 by inputting the authorized certificate password (step S179), the user information and user account required for membership registration are input (step S181).

Next, the bank host 160 checks the real account through the other bank network with respect to the inputted user account (step S183), and if the real account is confirmed, completes the user registration and grants the use right (step S185-). S187).

Finally, with reference to Figure 8d will be described the process of the customer registration of customers of other banks with a small certificate.

First, the customer 300 accesses the web server of the bank by using a web browser of a personal computer (step S171-S173).

Next, the user agrees to the terms and conditions, and inputs the resident registration number and account information (steps S205-S207).

Next, check whether the resident registration number entered through the credit information agency 700 and the member's name match (steps S209-S211), and verify the account information using the bank host 160 (steps S213-S215). .

Then, user information is input to obtain a use right (steps S217-S219).

9 is a flowchart illustrating a process of registering transaction information in an escrow service system according to the present invention.

9, the customer 300 accesses the web server of the bank using the web browser of the personal computer (step S221).

Then, the transaction information is registered (step S223). At this time, the transaction information is the ID of the user, the customer is the buyer or seller in the transaction, the product group (choose the primary classification for the type of transaction), product / model name, unit price of the transaction product , The quantity of the commodity, the means of depositing the commodity price (cash, electronic money), the unit of transaction of the commodity, the method of transportation, the counterpart's ID, the payout account number, the trading site, the URL, the counterpart's email Enter your address, mobile phone number, etc.

Then, the account information is verified by checking the received account using the account holder, the bank code, the account number, and the like (step S225). At this time, if the received customer's account is our bank account, the bank host checks whether there is a real account (steps S227, S233), and if it is another bank account, it is inquired by the host of the other bank through the linked server. The presence or absence is checked (steps S227-S231).

Then, when the account information of the customer 300 is confirmed as the real account, the user registers as a user account and requests a transaction agreement (steps S235-S237). At this time, the transaction agreement is made by confirming the counterparty, the transaction site, the product name, the unit price, the quantity, the shipping cost burden, and the like.

10 is a flowchart illustrating a process of requesting to deposit a purchase price using a virtual account in an escrow service system according to the present invention.

Referring to FIG. 10, when the seller and the buyer 300 agree on a transaction (step S241), the virtual account is numbered for each transaction by using a virtual account pool (step S251) and an email (E-Mail). Alternatively, the payment request is made to the purchaser 300 by SMS (steps S243 and S253).

Next, the purchaser 300 receiving the deposit request inputs a deposit due date to the escrow service system 100 (steps S253-S255).

At this time, the scheduled deposit date is stored in the escrow service system 100 as a virtual account number, order execution number, the depositor ID, the expected deposit date (step S257).

Meanwhile, the virtual account is issued using the escrow account as the parent account and the issued virtual account is managed in a pool form in the escrow operation server (step S251). The application allocates and assigns a virtual account to the case and the electronic money user (member) (step S249). Managed virtual accounts and pools are not duplicated. Virtual account pool (Pool) supports the operation of the sub-pool (Sub_Pool) form that can set up a virtual account area for each partner affiliates can use the virtual account as a pool (Pool). The bank host 160 separately operates the virtual account used for escrow transaction and the virtual account for charging electronic money, and branches and stores the application at the time of deposit (step S245). Then, the virtual account information such as the virtual account number and the usage is stored (step S245).

11 is a flowchart illustrating a process of processing deposit exceptions such as RBI, default, refinancing, mismatch of money in the escrow service system according to the present invention.

Referring to FIG. 11, the bank host 160 checks the deposit details of the virtual account and transmits the deposit details to the escrow service system 100 (step S261).

The escrow service system 100 that has received the deposit details from the bank host 160 checks whether there is a spot right (steps S263-S265).

If there is no RBI in step S265, the seller requests a seller to deliver the product (step S267), and notifies the customer through e-mail and SMS (step S269).

If there is a RBI in step S265, the seller is notified to hold the goods delivery until the funding time (steps S271-S269).

If a bankruptcy or funding extension occurs while the RBI is generated, the seller is notified of the reservation of delivery and the buyer is requested to make an additional deposit (steps S273-S277).

12 is a flowchart illustrating a process of paying a price and a refund process in an escrow service system according to the present invention.

Referring to FIG. 12, the buyer 300 receiving the goods delivered by the seller selects either the purchase approval or the rejection of the goods purchased from the escrow service system 100 (steps S281-S283).

If the purchaser 300 approves the purchase in step S283, the bank pays the purchase price to the seller (step S285). If the purchaser 300 rejects the purchase in step S283, the refund procedure is performed. Through the refund to the buyer 300.

The escrow service system then generates transfer data for the transaction for which the purchase or refund is determined (step S289), and transfers it to the bank host 160, where the bank host 160 executes the transfer (step S291).

Next, the bank host 160 transmits the transfer result to the escrow service system 100. The escrow service system 100 notifies the buyer 300 and the seller of the received transfer result to complete the transaction (step S295).

13 is a flowchart illustrating a process of depositing a purchase price into a virtual account for escrow using a virtual account in an escrow service system according to the present invention.

Referring to FIG. 13, a customer (buyer or seller) first accesses a web server of a bank equipped with an escrow service system of the present invention using a web browser of a personal computer (PC) and registers as a member (step S310). At this time, the customer (buyer or seller) transmits his account information to the bank and the bank registers the account information after verifying it (step S315).

Next, the customer (buyer or seller) who has completed the membership agrees on the transaction of goods (step S320). At this time, the customer (buyer or seller) transmits the basic information about the goods transaction to the bank, and the bank stores it (step S325).

Next, a virtual account in which the customer (buyer or seller) can deposit a purchase price for the agreed product transaction is allocated (step S330). At this time, the customer (buyer or seller) transmits the virtual account deposit scheduled information to the bank and stores it (step S335).

Next, the customer (buyer or seller) deposits a purchase price in his or her virtual account (step S340). At this time, the purchase price deposited into the virtual account is deposited into the virtual account for the escrow of the bank (step S345), the bank notifies the customer (buyer or seller) of the virtual account deposit details (bankruptcy, refinancing, etc.).

Then, the customer (buyer or seller) receives the goods and selects the purchase approval or rejection of the purchases for the goods purchased by the customer (step S350).

Then, the bank terminates the transaction by paying the seller or refunding the purchaser by the purchase approval or rejection of the purchase of the customer (buyer or seller) (steps S360-S370).

14 is a flowchart illustrating a process of depositing a purchase price into a virtual account for escrow using electronic money in an escrow service system according to the present invention.

Referring to FIG. 14, a customer (buyer or seller) first accesses the web server of the bank using a web browser of a personal computer (PC) and registers as a member (step S410). At this time, the customer (buyer or seller) transmits their account information to the bank and the bank registers the account information after verifying it (step S415).

Next, the customer (buyer or seller) who has completed the membership agrees on the product transaction (step S420). At this time, the customer (buyer or seller) transmits the basic information about the goods transaction to the bank, and the bank stores it (step S425).

Next, the customer (buyer or seller) pays for the purchase price using electronic money for the agreed product transaction (step S430). Payment using electronic money is made by depositing the purchase price into the virtual account for escrow through the bank's electronic money system. At this time, the bank notifies the customer (buyer or seller) of the deposit details of the virtual account for escrow.

Then, the customer (buyer or seller) receives the goods and then selects the purchase approval or rejection of the purchase of the goods (step S440).

Then, when a request for remittance is received from the seller by the purchase approval of the customer (buyer or seller), the bank pays the seller and rejects the purchase of the customer (buyer or seller) to the customer (buyer or seller). The transaction is terminated by refunding the purchase price (steps S450-S460).

15 is a flowchart illustrating a process of depositing a purchase price into a virtual account for escrow using a credit card in the escrow service system of the present invention.

Referring to FIG. 15, a customer (buyer or seller) first accesses the web server of the bank using a web browser of a personal computer (PC) and registers as a member (step S510). At this time, the customer (buyer or seller) transmits their account information to the bank and the bank registers the account information after verifying it (step S515).

Next, the customer (buyer or seller) who has completed the membership agrees on a product transaction (step S520). At this time, the customer (buyer or seller) transmits the basic information on the commodity transaction to the bank, and the bank stores it (step S525).

Next, the customer (buyer or seller) pays for the purchase price using the credit card for the agreed product transaction (step S530). Payment by credit card is made by depositing the purchase price to the virtual account for escrow through the credit card company. At this time, the bank notifies the customer (buyer or seller) of the deposit details of the virtual account for escrow.

Then, the customer (buyer or seller) receives the goods and then selects the purchase approval or rejection of the goods purchased by the customer (step S540).

Then, when a request for remittance is received from the seller by the purchase approval of the customer (buyer or seller), the bank pays the seller and rejects the purchase of the customer (buyer or seller) to the customer (buyer or seller). The transaction is terminated by refunding the purchase price (steps S550-S560).

Preferred embodiments of the present invention described above are disclosed for the purpose of illustration, and those skilled in the art will be able to make various modifications, changes, additions, etc. within the spirit and scope of the present invention, such modifications and changes belong to the following claims Should be seen.

As described above, the escrow service system and method thereof according to the present invention transmit a transaction concluded on an affiliated site or an existing commerce to a bank through secure communication with a bank, and the bank pre-built internet banking, firm Based on banking, etc., the relevant data is safely stored, and through the verification function of the trading party, it is effective to safely pay or refund the trading partner.

In addition, a virtual account having the same characteristics as a real account may be opened in a bank, and the money transfer and the deposit amount of the virtual account may be utilized in various ways using the virtual account.

In addition, it is possible to transfer the amount of money to an e-mailer without an account number through the virtual account, the virtual account can be used as a payment means or electronic money of the e-commerce.

Claims (15)

In an escrow service system, A web server configured to transmit and receive data through a communication network; A mail server configured to send and receive email through the communication network; Is connected to the web server and the mail server, issuing a virtual account for escrow by the application of any one of the buyer, seller, relay agency, and concluded between the buyer and the seller or the relay agency through the communication network Store the transaction information, and when the price of the product purchased with the escrow virtual account is received, the product is delivered to the buyer for confirmation and then paid for the seller or managed to refund the purchase price. An escrow operation server for storing user registration information, payment means information, virtual account related information, and transaction history information using the virtual account; An intrusion prevention server that monitors a packet flowing in a network in real time to prevent unauthorized users from accessing important files or directories stored in the escrow service system; An intrusion detection server connected between the intrusion blocking server and the web server and the mail server to monitor packets flowing through the network and to immediately alert an administrator when an unauthorized packet is found; An electronic money operating server controlled by the escrow operation server and managing and operating a transaction using electronic money when the payment is made to the virtual account for escrow; A database server controlled by the escrow operation server and storing various data related to banking; A bank host that separately manages a virtual account used for escrow transactions and a virtual account for charging electronic money to manage the base accounts of the respective banks and other banks having the escrow service system; A linked server connected to the bank host to transmit and receive data between the bank and another bank; A communication server for interfacing data between the escrow operation server and the bank host; And Is connected to the escrow operation server, the authentication server for confirming the user at the time of membership registration of the buyer owns the certificate, and confirms the change of personal information of the member; includes, The virtual accounts issued by the escrow operation server are issued in plural in advance instead of being issued for each customer, and are stored in the pool form in the escrow operation server, and the buyer and the seller or the relay agency through the communication network. If the transaction information entered in between is entered, it will be assigned for each transaction. The electronic money can be charged using the virtual account and credit card escrow service system. The method of claim 1, wherein the transaction information includes a user's own ID, whether the user is a buyer or a seller in a transaction, a product group, a product / model name, a unit price of a transaction product, a quantity of a transaction product, and a payment method of a product price. , The transaction unit of the commodity, the transportation method, the counterpart's ID, the payment account number, the transaction site, the URL, the counterpart's e-mail address, the mobile phone number, The price of the purchased goods deposited into the virtual account for escrow is electronic money, credit card, CD, ATM, Internet banking, telebanking, escrow service system, characterized in that the payment is made by a deposit means including a bank window. The method of claim 1, When the bank host confirming the deposit history of the virtual account transmits it to the escrow service system, The escrow service system that receives the deposit details checks whether there is a spot right, If no RBI is found according to the inspection result, the buyer is requested to deliver the goods to the seller, and the buyer is notified. If there is a spot right according to the test result, the seller is notified to suspend the delivery of goods until the funding time, Escrow service system, characterized in that if the bankruptcy or financing extension occurs in the state of the RBI is notified of the delivery reservation to the seller and the buyer additional deposit. In the escrow service method of the bank implemented in any one of claims 1 to 3 escrow service system, Receiving, by the escrow operation server, membership from the buyer through the bank's web server; Registering transaction information and user information after membership of the buyer; For each transaction agreed between the buyer and the seller who agreed to use the escrow service of the bank, a plurality of virtual accounts for depositing the purchase price are issued in advance and stored in the escrow operation server as a pool. Thereafter, if the transaction information entered between the buyer and the seller or the relay agency is input through a communication network, the transaction is provided for each transaction; Requesting the buyer to make a transaction deposit for the transaction if a transaction occurs; Allowing the purchaser to deposit the purchase price into the virtual account by the purchase date after the buyer inputs the deposit schedule information by the transaction price deposit request; Notifying the seller of the payment of the goods from the buyer and requesting the seller to deliver the goods; Allowing a buyer who receives a product from the seller to select whether to approve purchase; And And informing the seller to pay the purchase price or refund the purchase price according to whether the purchaser approves the purchase. Registering the transaction information, Registering the transaction information necessary for the transaction after the buyer accesses the web server of the bank; Verifying the registered account information of the buyer; If the account information of the buyer is an account of the bank, checking whether a real account exists through a host of a bank; if another bank account, checking whether a real account exists through a linked server; If the buyer's account information is confirmed as a real account, the escrow service method comprising the step of registering a use account and requesting a transaction agreement. delete The method of claim 4, wherein The transaction information may include the user's own ID, whether the user is a buyer or seller in the transaction, product group, product / model name, unit price of the transaction product, quantity of the transaction product, payment method of the product price, transaction unit of the product, It includes the transportation method, the counterpart's ID, the payment account number, the trading site, the URL, the counterpart's e-mail address, and the mobile phone number. The method of verifying the account information escrow service method characterized in that verifying the account information through the account confirmation using the account holder, bank code, account number. The method of claim 4, wherein The method of requesting the purchaser for the transaction comprises an e-mail, an SMS, and an internet communication. The method of claim 4, wherein Receiving an application for membership by the buyer subscribed to the Internet banking of the bank, Accessing the web server of the bank and providing the registered user information during internet banking to the bank host requested by the buyer who has agreed to the terms and conditions provided by the web server; Escrow service method comprising the step of receiving the additional information in the user information provided from the bank host is completed member registration; The method of claim 8, Escrow service method characterized in that the input is included when the buyer accesses the web server of the bank to log in including the Internet banking ID and password. The method of claim 4, wherein Receiving an application for membership by the buyer who has not subscribed to internet banking of the bank, Accessing the bank's web server and applying for membership by the buyer who has agreed to the terms and conditions provided by the web server; Providing the requested user information to the bank host by inputting the bank number and the social security number of the bank; And Escrow service method characterized in that the additional registration information is input to the user information provided from the bank host is completed. The method of claim 4, wherein The step of applying for membership by the buyer of one of the banks and the other banks who own the accredited certificate, After the purchaser accesses the bank's web server, enters an official certificate password, confirms his / her identity, and confirms his / her account using another bank network for the user account to complete the membership. Service way The method of claim 4, wherein The step of applying for the membership by the buyer of one of the banks and other banks with a small certificate, The buyer accessing a web server of the bank; Agreeing to the terms and conditions provided by the web server and inputting a social security number and a use account; Checking whether the name is the same as a member's name using a credit information agency by inputting the social security number, and verifying account information using a bank host by inputting the user account; And Escrow service method comprising the step of completing the membership by inputting the user information after the account information verification. The method of claim 4, wherein  The step of depositing the purchase price to the virtual account After the seller and the buyer make a transaction agreement, the virtual account is exchanged for each transaction agreed upon, and the buyer is requested to deposit the transaction price. Escrow service method characterized in that the buyer receiving the request for the transaction payment input and store the deposit scheduled information. The method of claim 13, The deposit schedule information is escrow service method characterized in that it includes a virtual account number, order execution number, the depositor ID, the scheduled date of deposit. The method of claim 4, wherein To pay or refund the purchase price, Allow the buyer to select one of purchase approval and rejection of purchase for the purchased product, If the buyer approves the purchase, the purchase price is paid to the seller, If the buyer rejects the purchase, refund the purchase price to the buyer through a refund procedure. Generate transfer data for the transaction that paid or refunded the purchase, and then sent it to the bank host for transfer; Escrow service method characterized in that to complete the transaction by notifying the buyer and the seller of the result of the transfer.

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