KR20000063898A - Electronic settlement method through the computer network and apparatus therefor, and computer-readable medium recording the method - Google Patents

Abstract

PURPOSE: A method and system for electronic payment via a computer network, and a writing device to write the process which is readable by computer are provided to allow various payment means that correspond with various business conditions to be used, by integrating more than two electronic payment means which are used by a company in order to pay for a price. CONSTITUTION: The internet(32) is connected to a computer(20) of a payment debtor and to a computer(22) of a person who is paid. A financial agency computer(24) is connected to a credit card company via the internet(24) and an electronic commerce system(34). The system(34) includes a server(28) and a database(30). A user information database(300) in the database(30) stores the personal information of the payment obligator and the person. The server(28) includes a main program(280), an electronic money paying program(282), an account paying program(284), a credit card paying program(286). The program(284) interfaces with the computer(24). The program(286) transfers the payment request by a credit card from the obligator who accesses the system(34) to the computer(26).

Description

Electronic settlement method through the computer network and a suitable system, and a computer-readable recording medium recording the method {electronic settlement method through the computer network and apparatus therefor, and computer-readable medium recording the method}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to electronic payment, and more particularly, to an electronic payment method through a computer network, a system suitable therefor, and a computer readable recording medium recording the method.

Currently, there are many ways to make a payment after a transaction is made between a seller and a buyer on the Internet. First, there is a method of transferring from a buyer's bank account to a seller's bank account using internet banking (performed in conjunction with a banking computer network). Second, as a method of using a credit card payment, there is a method of paying a payment price to a seller by a credit card by performing a purchaser's credit card number and password (performed with a credit card company's computer network). Third, there is a method of making a payment using electronic money, including cyber currency, which is a currency that can be settled through electronic bills, electronic checks, electronic payment certificates or other computer networks between the purchaser and the seller. In general, when paying through a communication network such as the Internet, the above methods are to be settled only individually. For example, there are no systems or sites that allow some payments to be calculated in electronic money and others to be paid by credit card or bank account. This is inconvenient in many ways when considering the circumstances of the company's funds and the arrangements and characteristics of its customers.

Therefore, there has been a demand for a method and system for making a payment by mixing various payment means for one payment.

In addition, there has been a need for a method and system for selecting any one of a variety of payment means to make a payment.

An object of the present invention, in order to meet the needs of the above, in the payment of payment to the payment rights holder through the computer network, the payment can be used by using two or more payment means of electronic money, credit card and bank transfer. It is to provide electronic payment method through computer network.

Another object of the present invention is a computer network that allows a payment officer to make a payment using a payment method selected from electronic money, credit card, and bank transfer in payment to a payment right holder through a computer network. It is to provide an electronic payment method through.

Another object of the present invention is to provide a system suitable for the method.

It is a further object of the present invention to provide a computer readable recording medium having recorded the method.

1 is a conceptual diagram illustrating an electronic payment method according to the present invention.

2 is a block diagram of an embodiment of an electronic payment system through a computer network according to the present invention.

3 is an overall flowchart of the electronic payment method according to the present invention.

4 is a flowchart illustrating an individual payment method.

5 is a flowchart illustrating an integrated payment method.

6A is a diagram illustrating the integrated payment process.

6B is a diagram illustrating an example of an inquiry service screen.

In order to achieve the above object,

In a method of making a payment between a person who is obliged to pay through a computer network (payment obligation) and a person who is to be paid (payment rights holder),

(a) receiving ID information of a payment right holder from a payment obligation; (b) at least one of electronic bills, credit cards, and wire transfers, which includes at least one or more of the following: electronic bills, electronic bills, electronic checks, electronic checks, or cyber currency, the currencies of which can be settled through a computer network. Receiving payment request information for making a payment to a payment right holder using more than one payment means; And (c) causing the payment officer to make a payment to the payment rights holder based on the ID information and the payment request information of the payment rights holder inputted from the payment rights officer. .

In order to achieve the above other object,

In a method of making a payment between a person who is obliged to pay through a computer network (payment obligation) and a person who is to be paid (payment rights holder),

(a) receiving ID information of a payment right holder from a payment obligation; (b) at least one of electronic money, credit card, and bank transfer, which includes at least one or more of the following: electronic bills, electronic payments, electronic checks, or cyber currency, the currency of which can be settled through a computer network. Selecting payment means to receive payment request information for payment to a payment right holder; And (c) causing the payment officer to make a payment to the payment rights holder based on the ID information and the payment request information of the payment rights holder inputted from the payment rights officer. .

In order to achieve the above another object,

The computer of the person who is obliged to pay the bill (payment obligation) and the computer of the person who will be paid (payment right), the financial institution computer or the credit card company computer is connected to one or more of the In the system for making payment between payment rights holder,

An electronic money payment DB storing at least one of electronic bills, electronic bills, electronic checks, electronic checks or cyber currency which is a currency that can be settled on a computer network, and payment status of the electronic money; A database unit including at least two or more DBs of a credit card payment DB storing a payment status by a credit card and an account transfer payment DB storing a payment status by a bank transfer; And ID information of a payment right holder input from a payment obligation and payment request information by at least two payment means selected by the payment obligation, and payment by electronic money in connection with the electronic money payment DB of the database unit. An electronic payment system through a computer network, comprising: a server for performing at least two selected payments among payments made by bank transfer in connection with a computer of a financial institution and payments made by a credit card in connection with the credit card company computer. This is provided.

In order to achieve the above another object,

Claims [1] A computer-readable recording medium recording a method of making a payment between a person who is obliged to pay through a computer network (payment obligation) and a person who is to be paid (payment rights holder).

(a) receiving ID information of a payment right holder from a payment obligation; (b) at least one of electronic bills, credit cards, and wire transfers, which includes at least one or more of the following: electronic bills, electronic bills, electronic checks, electronic checks, or cyber currency, the currencies of which can be settled through a computer network. Receiving payment request information for making a payment to a payment right holder using more than one payment means; And (c) a computer-readable recording medium having recorded thereon a program for causing a payment officer to make a payment to the payment right holder based on the ID information and payment request information of the payment right holder inputted from the payment obligation. Is provided.

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

1 is a conceptual diagram illustrating an electronic payment method according to the present invention.

In FIG. 1, the payment obligation 10 is a person who is obliged to pay the billing authority 12, for example, a purchaser who has to pay a purchase price after purchasing a certain product. .

The payment right holder 12 corresponds to the payment obligation 10 above, and has a right to receive payment from the payment obligation 10, for example, after selling some goods, the payment is paid to the purchaser. For example, a seller. In addition, the person who is in the position to pay the payment price can be viewed as the payment obligation, the payment obligation 10 can be seen as the payment rights holder (12). The payment obligation 10 and the payment rights holder 12 is preferably a business (corporate business or individual business) having a business registration number, but can also be applied to the general public later using the social security number.

The financial institution 14 withdraws the payment amount from the deposit account of the payment agent 10 in accordance with a request for a transfer from the payment obligation 10 through the electronic payment system operating company 18 to deposit the account of the payment right holder 12. The name of an organization that provides services that transfer money.

The credit card company 16 provides a service to allow the payment right holder 12 to make a payment by credit card according to the credit card payment request from the payment obligation 10 through the electronic payment system operating company 18. Collectively referred to as

The electronic payment system operating company 18 uses a combination of payment methods, for example, electronic money, credit card, and bank transfer, to pay between the payment obligation 10 and the payment authority 12. Or a payment method (hereinafter, referred to as individual payment) of any one of the above means. In order to do this, the electronic payment system operating company 18 may not only make payments by electronic money but also perform wire transfer payment or credit card payment in connection with a computer network of a financial institution or credit card company. do.

The electronic payment system operating company 18 has an electronic payment system configured including a server and a database on a computer network such as the Internet, for example. The electronic payment system is implemented in the form of a homepage to the payment obligation 10 and payment rights holder (12).

2 is a block diagram of an embodiment of an electronic payment system through a computer network according to the present invention. In FIG. 2, it is assumed that the computer network is the Internet for convenience.

In FIG. 2, the payment obligation computer 20 is a computer of a person (payment obligation) who wants to make an integrated payment to a payment authority using this system. The settlement right holder computer 22 is a computer of a person (payment rights holder) who receives an integrated settlement from the settlement obligation operator using this system. The payment obligation and payment rights holder computers 20 and 22 have Internet browsers (Netscape, Internet Explorer, etc.) that can display web contents in the form of HTML, XML, and the like.

The financial institution computer 24 is provided in the financial institution, and is connected to the electronic payment system 34 and the Internet 32 to provide the account transfer service to the corresponding bank account of the settlement right holder according to the request for the transfer of payment from the billing authority. do.

The credit card company computer 26 is provided in the credit card company, and is connected to the electronic payment system 34 and the Internet 32 to provide the credit card payment service to the payment right holder in accordance with the credit card payment request from the payment officer. .

The electronic payment system 34 includes a server 28 and a database 30.

The database 30 includes a user information DB 300, an electronic money payment DB 302, a bank transfer payment DB 304, a credit card payment DB 306, an integrated payment DB 308 and other DBs 310. do.

The user information DB 300 stores various types of information (business name, business registration number, contact information, etc.) related to the personal information of payment mandates and payment rights users using the electronic payment system 34 and stores them by user.

The electronic money settlement DB 302 stores the holding status, payment status, and current status of electronic money for each user. Electronic money collectively refers to the currencies in which payment obligations and payment rights holders are promised to be traded through the electronic payment system 34 (e.g., through the homepage operated by the electronic payment system) in the same manner as the payment method in the real transaction. . Such electronic money is preferably stored and traded in association with the business registration number. The electronic money settlement DB 302 is a database necessary for interworking with the electronic money settlement program 282 of the server 28 to make payment by electronic money between the payment obligation and the payment right holder.

The bank transfer payment DB 304 stores status data, which is settled by field transfer between the payment obligation and the payment authority, for each user. The bank transfer payment DB 304 is interlocked with the bank transfer payment program 284 of the server 28, and stores the data on the payment made by the bank transfer between the payment obligation and the payment authority in the financial institution computer 24. .

Credit card settlement DB 306 stores the status data for each user by the credit card between the payment obligation and payment rights holder. The credit card payment DB 306 is interlocked with the credit card payment program 286 of the server 28, and stores the status data of payment made by the credit card between the payment obligation and the payment right holder through the credit card company computer 26. have.

The integrated payment DB 308 stores data regarding the integrated payment situation in which various payment methods are integrated for each user. The integrated payment DB 308 is linked with the main program 280 of the server 28, and stores the integrated payment status data for each user.

The server 28 includes a main program 280, an electronic money payment program 282, a bank transfer payment program 284, a credit card payment program 286, and other programs 288.

The electronic money settlement program 282 is a program for interworking with the electronic money settlement DB 302 to perform payment between electronic bills such as electronic bills, electronic payment certificates, electronic checks, cyber money, etc. The method of issuing an electronic money and allowing it to be traded is described in detail in the patent application (patent application No. 2000-7300) invented and filed by the inventor of the present application, and thus the description thereof is omitted here. In addition, electronic money, which is different from the prior patent application of the present invention but can be widely traded through a computer network, can be settled using the electronic payment according to the present invention.

The bank transfer payment program 284 is a program for interworking with the financial institution computer 24 so that a transfer is made between a payment obligation and a payment right holder to a desired payment account. Substantially, since the transfer is made at the financial institution computer 24, the bank transfer payment program 284 functions as an interface with the financial institution computer 24. Specifically, the bank transfer request from the billing officer connected to the electronic payment system 34 is transferred to the financial institution computer 24, and the bank transfer payment DB is received from the financial institution computer 24. A function of storing the current state for each user in 304 is performed.

The credit card settlement program 286 is a program for interfacing with a credit card company computer 26 to make a credit card payment between a payment obligation and a payment right holder. Here, too, since the credit card payment is made in the credit card company computer 26, the credit card payment program 286 functions as an interface with the credit card company computer 26. Specifically, a credit card payment request from a billing officer connected to the electronic payment system 34 is transmitted to the credit card company computer 26, and the credit card payment completion information from the credit card company computer 26 is received. The payment DB 306 performs a function of storing the current status for each user.

The other program 288 is a program necessary for carrying out the method of the present invention in addition to the programs 280-288.

The main program 280 is a program that performs overall functions for electronic payment according to the present invention by interworking with other programs 282-288 as shown in FIGS. 3 to 5.

Referring to Figures 3 to 6, the operation of the electronic payment system according to the present invention will be described in more detail.

When the user (payer or payment authority) accesses the homepage operated by this system, the user is logged in. (Steps 320 and 322) When the user logs in, the user's identity or identity is requested. It is desirable to go through the verification process.

If it is determined that the user requires the payment, the payment process is performed (steps 330 to 334), and if it is determined that the database is requested, the inquiry service is provided (steps 326 and 328). ) Means to look up information on the status of holding electronic money or payment status of various payment methods. 6B shows an example of the inquiry result. In FIG. 6B, monthly consolidated payment contents are displayed by payment method and by payment rights holder (credit holder).

On the other hand, if you look at the payment process, if the integrated payment is selected, the integrated payment is to be performed (step 334), otherwise the individual payment is to be performed (step 332).

Referring to Figure 4 will be described in more detail the process of performing individual payment in step 332. Currently, it is introduced to perform payment by credit card or bank transfer and electronic money alone, but there is no user to select one of several payment methods in one site or system to perform payment. The individual payment will be described with reference to FIG. 4.

The business registration number of the payment right holder is input from the payment obligation user (step 402).

If you choose to pay electronic money, select the type of electronic money you wish to pay and enter the amount you wish to pay with the electronic money (steps 404-406) .The choice of type is electronic bills, electronic checks, electronic payment certificates or other cyber It means to choose one of the currencies.

It is determined whether the electronic money balance stored in the electronic money settlement DB 302 is equal to or greater than the input payment amount, and if it is smaller than that, the insufficient balance is indicated to the payment obligation (steps 407 and 408).

If the balance is sufficient, it is determined whether the payment confirmation command of the payment obligation is input, and if so, the electronic payment is performed by the electronic money settlement program 282 (steps 409 and 410).

The payment status by the electronic money is stored in the corresponding user (payer and payment authority) DB (step 412).

In step 404, if it is determined that the electronic money payment is not selected, it is determined whether the bank transfer payment is selected (step 414).

If the bank transfer payment is selected, enter the bank account number of the billing authority and the billing authority and the password of the billing authority and enter the transfer amount (steps 416 and 418).

It is determined whether the payment confirmation command by the account holder of the payment obligation is input, and if so, the account transfer information is transmitted to the financial institution computer 24 connected to the system and the Internet network (steps 420 and 422).

Receive payment completion data by bank transfer from the financial institution computer 24 and store the payment status in the bank transfer payment DB (304, 424). Of course, although not shown here, If the bank account is not made due to the lack of bank balance may include the step of displaying it to the payment obligation.

If it is determined in step 414 that the bank transfer payment is not selected, it is determined whether the credit card payment is selected (step 426).

If you choose to pay by credit card, you enter the credit card number and password of the payer and enter the amount to pay with the card (steps 428 and 430).

It is determined whether the payment check command by the credit card of the payment officer is input, and if so, the credit card payment information is transmitted to the credit card company computer 26 connected to the system and the Internet network (steps 432 and 434).

Receive the payment completion data by the credit card from the credit card company computer 26 and stores the payment status in the credit card payment DB (306) (steps 435, 436). If the payment has not been made, it may include the step of displaying it to the payment obligation.

Now, the integrated payment method (referred to in step 334 of FIG. 3) of mixing various payment means will be described with reference to FIGS. 5 and 6.

The business registration number of the payment rights holder is input from the payment obligation (step 502). The business registration number and the payment rights holder are input as shown in item 1 of FIG.

A payment ratio for each payment method is input (step 504). As shown in the table of item “1” of FIG. Referring to Figure 6a it can be seen that the payment rate by account transfer, credit card, electronic money is 10%, 70%, 20%, respectively. However, if the electronic money is an electronic bill, the payment date should be entered in the "Payment date" column on the right. When inputting a payment ratio, a plurality of payment methods may be input. In other words, for bank transfers, you can make bank transfer payments for multiple banks, for credit cards for multiple cards, and for electronic money, electronic bills, checks, cyber money, and electronic payment certificates. You can pay in plural. In this case, you will have to enter the payment rate accordingly. In addition, in step 504, all three payment methods are used for payment, but payment may be made using any two or more payment methods.

If the payment officer wants to apply the payment conditions (payment rate) in step 504 monthly, it may be set to be applied monthly or input monthly (steps 506 and 508). However, it is possible to change only the ratio so that the settlement can be made. (Expressed as a modification in step 508) In the transactions between companies, the monthly payment is often settled. It is available.

Enter the total amount to be settled, and if it is entered, it displays the amount to be settled for each payment method based on the settlement ratio. (Step 509, 512) If the total amount is set to 100 million won as shown in FIG. Is displayed. In the case of bank transfer, the payment rate is 10%, so the payment amount is 10 million won, and the credit card or electronic money is 70% and 20%, respectively, so the payment amount is 70 million won and 20 million won, respectively. On the other hand, before displaying the payment amount for each payment method, as shown in item "4" of FIG. 6A may include the step of selecting the unit of the amount to be paid (KRW, 1,000, 10,000, 100,000, etc.). If the unit of payment amount is selected, the payment amount is displayed up to the amount unit (step 511). For example, when the amount to be paid in electronic money is 1,123,300 won, if 10,000 won is selected as the payment amount unit, Only 1.123 million won is displayed in the payment amount field. In addition, the excluded amount (KRW 5300) may be automatically included in another payment method or the payment method (credit card or bank transfer payment method) in which the amount is displayed last.

Here, when the amount to be settled is displayed, it may be simply displayed as shown in item "5" of FIG. 6A or may be displayed in detail as shown in item "6".

It is determined whether a payment confirmation command is input from the payment obligation, and if so, the payment status is stored in the database of the payment obligation and the payment authority (steps 514 and 516). The payment amount is increased and stored in the database of the payment right holder.

It is determined whether the payment obligation pays the other payment rights holder (step 518).

It is determined whether there is a request for inquiring about the integrated payment details from the payment obligation, and if there is, the relevant data is retrieved from the integrated payment DB 308 and displayed as shown in FIG. 6B (steps 520 and 522).

Through the above process, the electronic payment (integrated payment and individual payment) service is performed between the payment obligation and the payment rights holder on a computer network such as the Internet.

The invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, which are also implemented in the form of a carrier wave (for example, transmission over the Internet). It also includes. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

The present invention is not limited to the above-described embodiments, and of course, modifications can be made by those skilled in the art without departing from the spirit of the present invention. For example, in the present embodiment, the electronic payment is performed through a computer, but a mobile phone such as a PCS or a cellular phone, a PDA, a terminal according to the IMT 2000 standard (portable) information communication terminal, etc., as well as a set-top box (Set) Users can also perform integrated payment or individual payment through Internet TV with built-in or external Top Box). In this case, the network described above may be a wireless communication network or a cable network.

Therefore, the scope of the claims in the present invention will not be defined within the scope of the detailed description, but will be limited to the claims below.

According to the present invention, by incorporating two or more electronic payment means used by a company to make a payment, it is possible to use a variety of payment means that meet various transaction conditions and forms. Doing so promotes e-commerce between businesses and reduces the logistics costs associated with payment. In addition, transparency in the flow of funds ensures fair taxation.

On the other hand, it is convenient because payment can be performed by selecting any one of various payment methods within one site or system.

Claims (12)

In a method of making a payment between a person who is obliged to pay through a computer network (payment obligation) and a person who is to be paid (payment rights holder), (a) receiving ID information of a payment right holder from a payment obligation; (b) at least one of electronic bills, credit cards, and wire transfers, which includes at least one or more of the following: electronic bills, electronic bills, electronic checks, electronic checks, or cyber currency, the currencies of which can be settled through a computer network. Receiving payment request information for making a payment to a payment right holder using more than one payment means; And and (c) causing the payment officer to make a payment to the payment rights holder based on the ID information of the payment rights holder and the payment request information inputted by the payment rights holder. The method of claim 1, wherein step (a) Electronic payment method through a computer network comprising the step of receiving a business registration number of the payment rights holder. The method of claim 1, wherein step (b) (b1) inputting a payment ratio for each payment method; (b2) inputting a total payment amount; And (b3) The electronic payment method through a computer network, comprising the step of displaying the payment amount by the payment ratio for each payment method. The method of claim 3, (b4) selecting a unit of the amount to be paid; And (b5) further comprising displaying a payment amount up to a selected amount unit for any one or more payment means selected in step (b4), and displaying the amount subtracted from the displayed payment amount for the remaining payment means. Electronic payment method through a computer network, characterized in that. The method of claim 3, And setting a payment condition to continuously apply the payment rate every month or at regular intervals. The method of claim 1, And after the payment is completed, storing the payment status in a database for each payment obligation and payment rights holder. The method of claim 1, In response to an inquiry request of the billing authority or the billing authority, the electronic payment method further comprising the step of providing the billing officer or the billing authority by the payment method or the billing authority by the total billing history made for a specific period of time. . The method according to any one of claims 1 to 7, The electronic payment method through a computer network, characterized in that the payment obligation further comprises the step of payment by selecting one of payment by electronic money, payment by account transfer and payment by credit card. In a method of making a payment between a person who is obliged to pay through a computer network (payment obligation) and a person who is to be paid (payment rights holder), (a) receiving ID information of a payment right holder from a payment obligation; (b) at least one of electronic money, credit card, and bank transfer, which includes at least one or more of the following: electronic bills, electronic payments, electronic checks, or cyber currency, the currency of which can be settled through a computer network. Selecting payment means to receive payment request information for payment to a payment right holder; And and (c) causing the payment officer to make a payment to the payment rights holder based on the ID information of the payment rights holder and the payment request information inputted by the payment rights holder. The computer of the person who is obliged to pay the bill (payment obligation) and the computer of the person who will be paid (payment right), the financial institution computer or the credit card company computer is connected to one or more of the In the system for making payment between payment rights holder, An electronic money payment DB storing at least one of electronic bills, electronic bills, electronic checks, electronic checks or cyber currency which is a currency that can be settled on a computer network, and payment status of the electronic money; A database unit including at least two or more DBs of a credit card payment DB storing a payment status by a credit card and an account transfer payment DB storing a payment status by a bank transfer; And Receives the ID information of the payment right holder and the payment request information by any two or more payment means selected by the payment obligation, and the payment by the electronic money in connection with the electronic money payment DB of the database unit. And a server for performing the two or more selected payments among payments by wire transfer in association with an institution computer and payments by credit card payment in association with the credit card company computer. The method of claim 10, And the payment rights holder's ID is a business registration number of the payment rights holder. Claims [1] A computer-readable recording medium recording a method of making a payment between a person who is obliged to pay through a computer network (payment obligation) and a person who is to be paid (payment rights holder). (a) receiving ID information of a payment right holder from a payment obligation; (b) at least one of electronic bills, credit cards, and wire transfers, which includes at least one or more of the following: electronic bills, electronic bills, electronic checks, electronic checks, or cyber currency, the currencies of which can be settled through a computer network. Receiving payment request information for making a payment to a payment right holder using more than one payment means; And (c) A computer-readable recording medium having recorded thereon a program for causing a payment officer to make a payment to a payment holder based on ID information and payment request information of the payment right holder inputted from the payment obligation.