KR20090009364A - System and method for integrated payment of trade transaction service and program recording medium - Google Patents

Abstract

A trade service offering and trade service integrating payment method, a system and a recording medium therefor are provided to enable a trade transactional customer to confirm a trade transactional service easily according to trade transactional details, while payment for trade transactional services to be provided can be integratedly conducted. In case of banking usage of a trade transactional company customer, an information confirmer(505) confirms trade transactional details of the customer. An information extractor(510) extracts at least one piece of trade transactional service information necessary for the customer. An information output unit(520) outputs the extracted service information to the customer's terminal. An information receiver(530) receives more than one piece of trade transactional service information selected by the customer from the terminal. A payment money confirmer(535) integrates payment money for the selected service. A payment processor processes the integrated payment money.

Description

System and Method for Integrated Payment of Trade Transaction Service and Program Recording Medium}

1 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an exemplary embodiment of the present invention.

2 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

3 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an exemplary embodiment of the present invention.

4 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

5 is a diagram illustrating a payment processing system for integrated payment transaction service according to an embodiment of the present invention.

6A and 6B are diagrams illustrating a trade transaction service integrated payment process according to an embodiment of the present invention.

FIG. 7 is a diagram illustrating a trade transaction service item integrated payment selection (input) interface of a trade transaction enterprise customer according to an exemplary embodiment of the present invention.

<Description of main parts of drawing>

500: payment processing server 505: information verification unit

510: information extraction unit 515: interface unit

520: information output unit 525: interface providing unit

530: information receiving unit 535: payment check unit

540: payment processing unit 545: information storage unit

550: distribution processing unit 555: storage medium

The present invention provides information checking means for confirming a trade transaction history of the banking trading company customer from the storage medium storing the trade transaction history when the banking of the trade transaction enterprise customer, and the corresponding trade transaction details Information extracting means for extracting at least one trade transaction service-shipping service, shipping service, insurance service, etc. necessary for a trade transaction enterprise customer, and the extracted at least one trade transaction service information to the trade transaction enterprise customer terminal. Information output means for outputting, information receiving means for receiving at least one trade transaction service information selected (or input) by the trade transaction enterprise customer from the trade transaction enterprise customer terminal, and the trade transaction enterprise customer selected ( Or consolidate payments for at least one trade transaction service. Depending on the payment amount and payment confirmation means that more than confirm the request of the trade transaction company customer service related to trade settlement system integration, including payment processing means for processing the payment amount with the confirmation.

Trade transactions may require a variety of services, such as insurance services, shipping services, transportation services, etc. Customers who are new to trade trading should look for acquaintances or the Internet to find out which service provider to choose. It's not easy.

In addition, the payment channel is different for each service, the customer has had to perform the payment for each service separately.

An object of the present invention for solving the above problems, the step of confirming the trade transaction details of the banking trading company customers from the storage medium that stores the trade transaction details when using the banking of the trading business customers in the information confirmation means; Extracting at least one trade transaction service information necessary for the trade transaction corporate customer in response to the identified trade transaction details, and at least one extracted from the information output means to the trade transaction enterprise customer terminal. Outputting the above trade transaction service information; and receiving at least one trade transaction service information selected (or input) by the trade transaction enterprise customer from the trade transaction enterprise customer terminal, the trade transaction company in a payment price checking means. At least one trade transaction selected (or entered) by the customer Integrating and verifying the payment price for the service and the payment processing means to provide a trade transaction service integrated payment method comprising the step of processing the confirmed payment price in accordance with the payment request of the trade transaction enterprise customer.

According to the invention

Hereinafter, with reference to the accompanying drawings and description will be described in detail the operating principle of the preferred embodiment of the present invention. However, the drawings and the following description shown below are for the preferred method among various methods for effectively explaining the features of the present invention, the present invention is not limited only to the drawings and description below. In addition, in the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted. Terms to be described later are terms defined in consideration of functions in the present invention, which may vary according to intentions or customs of users or operators. Therefore, the definition should be made based on the contents throughout the present invention.

In addition, preferred embodiments of the present invention to be carried out below are provided in each system functional configuration to efficiently describe the technical components constituting the present invention, or system functions that are commonly provided in the technical field to which the present invention belongs. The configuration will be omitted, and described mainly on the functional configuration to be additionally provided for the present invention. If those skilled in the art to which the present invention pertains, it will be able to easily understand the function of the components that are conventionally used among the omitted functional configuration not shown below, and also the configuration omitted as described above The relationship between the elements and the components added for the present invention will also be clearly understood.

In addition, the following examples will be used to appropriately modify the terms so that those skilled in the art to clearly understand the technical features of the present invention to effectively understand, but the present invention It is by no means limited.

As a result, the technical spirit of the present invention is determined by the claims, and the following examples are one means for efficiently explaining the technical spirit of the present invention to those skilled in the art to which the present invention pertains. It is only.

1 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an embodiment of the present invention.

In more detail, Figure 1 shows a trade transaction status information corresponding to the trade transaction contract by the information registration system through a predetermined information registration interface for a trade transaction enterprise customer who has entered into a predetermined trade transaction contract with a given trading partner company. In order to provide trade transaction status information including at least one trade transaction corporate customer information and trade transaction contract information, the trade transaction corporate customer information and trade transaction contract included in the provided trade transaction status information in the information registration system. As a system configuration for linking and storing information in a predetermined storage medium 130, a person having ordinary knowledge in the art to which the present invention pertains refers to or modifyes a trade transaction contract by referring to FIG. Various implementation methods can be inferred for the construction of the information registration system for registering trade transaction status information. Would, in the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 1.

Hereinafter, at least one means or function configuration for storing the trade transaction status information provided from the trade transaction enterprise customer on the storage medium 130 through a predetermined information registration interface on the information registration system shown in FIG. The corresponding component is called " information registration server 100 " for convenience.

Referring to FIG. 1 according to an embodiment of the present invention, an information registration system for registering trade transaction status information corresponding to a trade transaction contract includes at least one wired terminal or a wireless terminal used by a trade transaction enterprise customer. And an information registration terminal including at least one client terminal or the like, wherein the information registration terminal has a communication channel with the information registration server 100 provided on the information registration system through a predetermined network means. Connected.

According to an embodiment of the present invention, the trade transaction enterprise customer is connected to the information registration server 100 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network and When the trade transaction status information for registering the trade transaction status information corresponding to the trade transaction contract is input (or selected) through at least one user interface provided by the information registration server 100, the client terminal may select a predetermined number. It is preferable to transmit to the information registration server 100 provided on the information registration system through a network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). Or at least one home appliance terminal (eg, Set-Top-Box) connected to the TCP / IP-based communication network, or a kiosk connected to the TCP / IP-based communication network. desirable.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

The information registration server 100 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 100 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 100, inputs or selects at least one or more information through the user interface, and transmits the information to the information registration server 100. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 100, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the trade transaction enterprise customer, and at least one wired communication network connecting the client terminal and the information registration server 100. Alternatively, the wireless communication network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction enterprise customer.

According to another exemplary embodiment of the present invention, the information registration terminal uses a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or a terminal provided in at least one or more institutions affiliated with the financial institution ( Or a server) (not shown), by which the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the information registration server ( A wired telephone network or a wireless telephone network connecting 100) performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the trade enterprise company, or the financial institution that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in an institution affiliated with the company, the terminal (or server) (not shown) and the terminal (or server) (not shown) are connected to the information registration server 100. The network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction enterprise customer.

The storage medium 130 provided on the information registration system according to the present invention performs a predetermined process by integrating the trade transaction company customer information and trade transaction contract information included in the trade transaction status information provided from the information registration terminal. Characterized in the storage medium 130, the trade transaction status information including at least one or more of the trade transaction enterprise customer information, trade transaction contract information stored in the storage medium 130 to register the trade transaction contract information To be used.

The trade transaction corporate customer information is unique information (eg, company name, business registration number (or business registration number) of a trade transaction enterprise customer who has entered into a predetermined trade transaction agreement with a predetermined trading transaction partner company. Unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc.), and the member information of the customer (e.g., the customer Member ID information provided in a predetermined storage medium 130 associated with the information registration system in response to the trade transaction corporate customer by joining as a member of the trade transaction status information registration authority), the trade transaction corporate customer It is preferable to include at least one or more account information (for example, account opening institution, account number, etc.) corresponding to the financial account opened in the name.

The trade transaction contract information includes the trade name of the trading partner country, the address of the trading partner country, the contact number of the trading partner country, the trading partner country of the trading company, the trading account of the trading partner country, the trade account of the trading partner, the specification of the trade target. Preferably, the transaction transaction amount, trade transaction currency, and trade transaction schedule are included.

According to an embodiment of the present invention, the storage medium 130 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited thereto. .

The information registration server 100 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 100 is characterized in that it comprises an interface unit 105 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 105 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 105 connects a communication channel with the client terminal based on the TCP / IP protocol, Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the information registration server 100, the interface unit 105 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 105 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a client terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 105 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, IC chip-based banking program) provided by the information registration server 100, the interface unit 105 is based on the CDMA protocol with the client terminal. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, if the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 105 is a voice call defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 105 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 1, the information registration server 100 connects a communication channel with the information registration server 100 through the interface unit 105 after a predetermined information registration terminal is connected to the interface unit 105. An interface providing unit 110 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined trade transaction status information from the information registration terminal to the information registration terminal; An information receiving unit 115 for receiving predetermined trade transaction status information transmitted from the information registration terminal through the user interface in connection with the interface unit 105 and the received trade transaction status information. It comprises the information storage unit 125 for storing the information stored in a predetermined storage medium 130 by linking and processing the trade transaction corporate customer information, trade transaction contract information included It is characterized by.

The interface provider 110 connects a communication channel with the information registration server 100 through the interface unit 105 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) trade transaction status information to the information registration server 100 through the network means, or extracting from a predetermined database (not shown), and extracting the interface unit. And the user interface generated (or extracted) in connection with 105 to the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, the interface providing unit 110 may generate (or extract) and provide a user interface that may further input (or select) the detailed items for each trade transaction service item.

For example, when the trade transaction service item is an insurance service, the interface may further include an insurance company selection interface and an insurance estimating interface.

Thereafter, the information registration terminal inputs (or selects) trade transaction status information including at least one of the trade transaction company customer information and trade transaction contract information based on the user interface, and the input (or selected) trade. The transaction status information is transmitted to the information registration server 100 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 110 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another embodiment of the present invention, if the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 110 is a browser program or communication provided in the client terminal It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 105.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 110 may be provided to the call terminal (not shown). Creating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 105. desirable.

According to another embodiment of the present invention, a predetermined device having at least one user interface for inputting (or selecting) the trade transaction status information to the information registration terminal and transmitting the trade transaction status information to the information registration server 100 through the network means. When the information registration program is provided, the interface providing unit 110 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 115 inputs (or selects) trade transaction status information including at least one of trade transaction corporate customer information and trade transaction contract information through the user interface at the information registration terminal and transmits the information through the network means. Then, the trade transaction status information is received in conjunction with the interface unit 105, and provides the received trade transaction status information to the validity check unit 120.

The validity confirming unit 120 checks whether the trade transaction status information received from the information registration terminal satisfies the validity for registering the trade transaction status information corresponding to the trade transaction contract.

According to the method of the present invention, at least one or more member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking whether there is.

For example, the validity check of the trade transaction status information registration confirms whether the trade transaction corporate customer information included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable that it consists of including.

When the validity of the trade transaction status information registration is confirmed, the information storage unit 125 processes the trade transaction corporate customer information and trade transaction contract information included in the trade transaction status information to the storage medium 130. When the storage medium 130 is provided in the information registration server 100 or on the network associated with the information registration server 100, the information storage unit 125 Preferably, the storage medium 130 is stored in the storage medium 130 by linking and processing the trade transaction company customer information and the trade transaction agreement information included in the received trade transaction status information. When provided in the DBMS, the information storage unit 125 stores the trade transaction corporate customer information and trade transaction contract information included in the received trade transaction status information through an external system on the financial system. Provided is preferably stored in a DBMS provided on the financial system.

2 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

In more detail, FIG. 2 illustrates a case in which the information registration server 100 on the information registration system shown in FIG. 1 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 100 and connecting a communication channel for registering the trade transaction status information corresponding to the trade transaction contract according to the present invention, the trade transaction company to the information registration server 100 through the communication channel When the trade transaction status information including customer information and trade transaction contract information is transmitted, the transaction processing company customer information and trade transaction contract information included in the received trade transaction status information are processed in the information registration server 100. To a predetermined storage medium 130, and those skilled in the art to which the present invention pertains, Although various implementation methods for registering the trade transaction status information from the client terminal to the information registration server 100 may be inferred by referring to FIG. 2 or modified, the present invention includes all the implementation methods inferred. It is not limited to the implementation method shown in FIG.

Hereinafter, in FIG. 2, the client terminal illustrated in FIG. 1 is referred to as a “terminal” for convenience, and the information registration server 100 illustrated in FIG. 1 is referred to as a “server” for convenience and the information is registered in the client terminal. The trade transaction corporate customer information and trade transaction contract information transmitted to the server 100 is referred to as "trade transaction status information" for convenience.

Referring to Figure 2, the client terminal shown in Figure 1 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the trade transaction status information registration by accessing the server through a communication network or an IEEE 802.16x-based mobile Internet), and registering the trade transaction status information corresponding to the trade transaction contract. When requesting the trade transaction status information registration (200), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the trade transaction status information (205), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (210).

According to an embodiment of the present invention, the information registration interface comprises a user interface for inputting (or selecting) trade transaction status information including at least one of the trade transaction corporate customer information and trade transaction contract information at the terminal. It is preferable.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the trade transaction status information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) trade transaction status information including at least one trade transaction corporate customer information and trade transaction contract information through the information registration interface (215).

If the trade transaction status information including the trade transaction enterprise customer information and trade transaction contract information is input (or selected) through the information registration interface (220), the terminal receives the input through the communication channel ( Or the selected) trade transaction company customer information, trade transaction contract information is transmitted to the server (225).

According to an exemplary embodiment of the present invention, transmitting the input (or selected) trade transaction corporate customer information and trade transaction contract information to the server through the communication channel is input (or selected) through the information registration interface. The trade transaction status information may be made by transmitting the electronic signature or encryption through the security module provided in the terminal to the server.

Thereafter, the server receives and reads the trade transaction corporate customer information and trade transaction contract information through the communication channel to check the validity of the trade transaction status information (230).

According to the method of the present invention, confirming the validity of the trade transaction status information registration, if the trade transaction status information is electronically signed or encrypted through the security module provided in the terminal, the trade transaction status information Or may further include decoding the trade transaction status information.

According to an embodiment of the present invention, the validity of the trade transaction status information is whether at least one member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking.

For example, the validation of the trade transaction status information may be performed to determine whether the trade transaction corporate customer information included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable to include what is included.

If the validity of the trade transaction status information is not authenticated (235), the server generates a web page including predetermined information registration error information and transmits it to the terminal (240) and corresponds to the trade transaction status information. Do not perform the information registration procedure.

On the contrary, if the validity of the trade transaction status information is authenticated (235), the server performs an information registration procedure corresponding to the registration of the trade transaction status information, thereby linking and processing the trade transaction enterprise customer information and trade transaction contract information. The data is stored in the predetermined storage medium 130 (245).

According to an embodiment of the present invention, the storage medium 130 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited thereto. .

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (250), thereby completing the procedure of registering the trade transaction status information transmitted from the terminal.

3 is a diagram illustrating an information registration system for registering trade transaction status information corresponding to a predetermined trade transaction contract according to an embodiment of the present invention.

In more detail, Figure 3 shows the trade transaction status information corresponding to the trade transaction agreement with the information registration system through the predetermined information registration interface of the business partner of the trading partner country who has entered into the predetermined trade transaction agreement with the given trade transaction company. In order to provide the trade transaction status information including at least one trading partner country company customer information, trade transaction contract information for the trade transaction partner country corporate customer information, trade included in the provided trade transaction information in the information registration system As a system configuration for linking and processing transaction contract information in a predetermined storage medium 330, those skilled in the art to which the present invention pertains, refer to or modify this figure 3 in the trade transaction contract Various implementation methods for constructing an information registration system for registering corresponding trade transaction status information Would be able to infer, the present invention includes all embodiments in which the inference method, shall not be limited to the exemplary method shown in the figure 3.

Hereinafter, at least one means or functional configuration for storing the trade transaction status information provided from the trading partner country company customer through the predetermined information registration interface on the information registration system shown in FIG. 3 in the storage medium 330. The component corresponding to the "information registration server 300" is called for convenience.

Referring to FIG. 3 according to an embodiment of the present invention, an information registration system for registering trade transaction status information corresponding to the trade transaction contract includes at least one wired terminal or a wireless terminal used by a business customer of a trading partner country. And an information registration terminal including at least one client terminal or the like, wherein the information registration terminal communicates with the information registration server 300 provided on the information registration system through a predetermined network means. The channel is connected.

According to an exemplary embodiment of the present invention, the trading partner company customer is connected to the information registration server 300 through at least one client terminal of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. And inputting (or selecting) trade transaction status information for registering trade transaction status information corresponding to the trade transaction contract through at least one user interface provided by the information registration server 300, the client terminal It is preferable to transmit to the information registration server 300 provided on the information registration system through the network means.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the information registration server 300 connected to the client terminal may be either an internet banking server, a wireless banking server, a tele banking server, a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

The network means for connecting the client terminal and the information registration server 300 may be a CDMA based mobile communication network or an IEEE 802.16x based mobile Internet or a DataTAC / Mobitex based wireless device, depending on the type of wireless communication network to which the client terminal is connected. It is preferable that any one of the data communication networks or the wireless communication network of all kinds proposed in the future including a predetermined wireless interval is included.

In addition, the client terminal outputs at least one or more user interfaces provided by the information registration server 300, and inputs or selects at least one or more information through the user interface and transmits the information to the information registration server 300. It is preferable that a function configuration (for example, a browser program and a communication function, or a predetermined communication program and communication function to communicate with the information registration server 300, etc.) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the information registration system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the enterprise customer of the trading partner country, and at least one wired connecting the client terminal and the information registration server 300. The communication network or the wireless communication network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the enterprise customer of the trading partner country.

According to another exemplary embodiment of the present invention, the information registration terminal uses a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or a terminal provided in at least one or more institutions affiliated with the financial institution ( Or a server) (not shown), by which the present invention is not limited.

In the information registration system as described above, when the information registration terminal is the call terminal (not shown), the call terminal (not shown), the call terminal (not shown) and the information registration server ( The wired telephone network or the wireless telephone network connecting 300 performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the enterprise customer of the trading partner country, or the financial information that is the information registration terminal. In the case of a terminal (or server) (not shown) provided in an institution affiliated with an organization, the terminal (or server) (not shown) and the terminal (or server) (not shown) and the information registration server 300 The connecting network performs a function of an information registration interface for registering the trade transaction status information corresponding to the trade transaction contract by the corporate customer of the trading partner country. .

The storage medium 330 provided on the information registration system according to the present invention is predetermined by integrating and processing the trading partner country company customer information and trade transaction contract information included in the trade transaction status information provided from the information registration terminal. Characterized in that the storage medium 330, the trade transaction status information containing at least one or more of the trade transaction company customer information, trade transaction contract information stored in the storage medium 330 is registered in the trade transaction contract information Is used for.

The trading partner company information is the unique information (for example, the company name, the business registration number (or the unique number corresponding to the business registration number) of the trading partner country customers that have entered into a predetermined trade transaction contract with a predetermined trading company Or a unique code)), a corporate registration number (or a unique number (or code) corresponding to a corporate registration number), a representative, an address, a telephone number, a mobile phone number, an e-mail address, etc., and the member information of the customer (for example, Member ID information provided in a predetermined storage medium 330 associated with the information registration system in response to a trade customer of the trading partner country by registering a customer as a member of the trade transaction status information registrar; And at least one account information (eg, account establishment institution, account number, etc.) corresponding to a financial account opened in the name of a corporate customer of the other country. Preferable.

The trade transaction contract information includes the trade transaction corporate customer name, trade transaction corporate customer address, trade transaction enterprise customer contact information, trade transaction enterprise customer transaction bank, trade transaction enterprise customer transaction account, trade transaction target product specification, trade transaction transaction amount, It is desirable to include at least one trade transaction transaction currency and a trade transaction schedule.

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited. .

The information registration server 300 provided on the information registration system according to the present invention is a generic term for the components of the information registration system side connected to the information registration terminal through a predetermined network means, and includes at least one server (or apparatus). ), Or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), and the present invention is not limited thereto.

According to an embodiment of the present invention, the information registration server 300 is characterized in that it comprises an interface unit 305 for connecting and managing a predetermined communication channel with the information registration terminal through the network means.

According to an exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 305 is based on a protocol stack defined in the wired communication network or a wireless communication network. By connecting the predetermined communication channel with the client terminal, it is preferable to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in the communication program provided in the client terminal.

For example, when the client terminal is provided with a browser program corresponding to the Hyper-Text Transfer Protocol (HTTP) protocol, the interface unit 305 connects a communication channel with the client terminal based on the TCP / IP protocol. Provides a communication interface for transmitting and receiving a web page (eg, a Hyper-Text Markup Language (HTML) compatible web page) or information using the HTTP protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program provided by the information registration server 300 (eg, an internet banking program), the interface unit 305 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 305 is based on a protocol stack defined in the wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 305 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the information registration server 300, the interface unit 305 is connected with the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 305 is a voice defined in the wired telephone network or a wireless telephone network. It is preferable to connect a communication terminal (not shown) with a predetermined communication path based on a communication protocol, and provide a communication interface for transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 305 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. .

Referring to FIG. 3, the information registration server 300 connects a communication channel with the information registration server 300 through the interface unit 305 and then connects with the interface unit 305. An interface providing unit 310 for generating (or extracting) a predetermined user interface for inputting (or selecting) and transmitting predetermined trade transaction status information from the information registration terminal to the information registration terminal; An information receiving unit 315 for receiving predetermined trade transaction information inputted (or selected) and transmitted from the information registration terminal through the user interface in conjunction with the interface unit 305, and the received trade transaction information. It is provided with an information storage unit 325 for storing the information stored in a predetermined storage medium 330 by linking and processing the trading partner country company customer information, trade transaction contract information included And that is characterized.

The interface provider 310 connects a communication channel with the information registration server 300 through the interface unit 305 through a predetermined information registration terminal, and corresponds to the functional configuration provided in the information registration terminal. Generate a predetermined user interface capable of inputting (or selecting) trade transaction status information to the information registration server 300 through the network means, or extracting from a predetermined database (not shown), and the interface unit. In operation 305, the user interface generated (or extracted) is provided to the information registration terminal through the network means.

Thereafter, the information registration terminal inputs (or selects) trade transaction status information including at least one of the trading partner country company customer information and trade transaction contract information based on the user interface, and the input (or selected) The trade transaction status information is transmitted to the information registration server 300 through the network means.

According to an embodiment of the present invention, when the information registration terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network, the interface providing unit 310 is provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a browser program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 310 is a browser program or communication provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided by a program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 305.

According to another exemplary embodiment of the present invention, when the information registration terminal is a call terminal (not shown) connected to a wired or wireless telephone network, the interface providing unit 310 may be provided to the call terminal (not shown). Generating (or extracting) a predetermined user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 305. desirable.

According to another embodiment of the present invention, the predetermined information having at least one user interface for inputting (or selecting) the trade transaction status information to the information registration terminal and transmitting the information to the information registration server 300 through the network means. When the information registration program is provided, the interface providing unit 310 for providing the user interface to the information registration terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 315 inputs (or selects) trade transaction status information including at least one of trading partner country company customer information and trade transaction contract information through the user interface through the user interface through the network means. When transmitting, the trade transaction status information is received in cooperation with the interface unit 305, and the received trade transaction status information is provided to the validity verification unit 320.

The validity confirming unit 320 checks whether the trade transaction status information received from the information registration terminal satisfies the validity for registering the trade transaction status information corresponding to the trade transaction contract.

According to the method of the present invention, at least one or more member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking whether there is.

For example, checking the validity of the trade transaction status information registration is whether the trade customer information of the trading partner country included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable to include confirmation.

When the validity of the registration of the trade transaction status information is confirmed, the information storage unit 325 performs a process of linking and processing the trade customer information of the trading partner country included in the trade transaction status information and the trade transaction contract information in the storage medium 330. And the storage medium 330 is provided in the information registration server 300 or on the network associated with the information registration server 300. Preferably, the data is stored in the storage medium 330 by linking and processing the trading partner company information and trade transaction contract information included in the received trade transaction status information, and the storage medium 330 is on the financial system. When provided in the provided DBMS, the information storage unit 325 is the trade transaction partner country customer information, trade transaction contract information included in the received trade transaction status information on the financial system Information provided to step through the outer space and is preferably stored in a DBMS provided on the financial system.

4 is a diagram illustrating a process of registering trade transaction status information corresponding to a trade transaction contract according to one embodiment of the present invention.

In more detail, FIG. 4 shows a case where the information registration server 300 on the information registration system shown in FIG. 3 has a web server function to which a client terminal can be connected through a predetermined network means. After connecting to the information registration server 300 and connecting the communication channel for registering the trade transaction status information corresponding to the trade transaction contract according to the present invention, the trade transaction to the information registration server 300 through the communication channel When the trade transaction status information including the counterpart company customer information and the trade transaction contract information is transmitted, the counterpart company customer information and the trade transaction contract information included in the received trade transaction status information from the information registration server 300. As an embodiment of the present invention relates to a method for storing the data in a predetermined storage medium 330 by linking the same. If you have, it will be able to infer various implementation methods for registering the trade transaction status information from the client terminal to the information registration server 300 by referring to or modifying this figure 4, the present invention is all inferred implementation It includes a method and is not limited to the embodiment shown in FIG.

Hereinafter, in FIG. 4, the client terminal illustrated in FIG. 3 is referred to as a “terminal” for convenience, and the information registration server 300 illustrated in FIG. 3 is referred to as a “server” for convenience and the information is registered in the client terminal. The trading partner country corporate customer information and trade transaction contract information transmitted to the server 300 is referred to as "trade transaction status information" for convenience.

Referring to Figure 4, the client terminal shown in Figure 3 is a predetermined network means (e.g., when the client terminal is a wired terminal, a TCP / IP based wired communication network, when the client terminal is a wireless terminal, CDMA based mobile A predetermined communication channel for registering the trade transaction status information registration by accessing the server through a communication network or an IEEE 802.16x-based mobile Internet), and registering the trade transaction status information corresponding to the trade transaction contract. When requesting to register the trade transaction status information (400), the server generates (or extracts) a web page corresponding to a predetermined information registration interface for registering the trade transaction status information (405), and through the communication channel The generated (or extracted) web page is transmitted to the terminal and output (410).

According to an embodiment of the present invention, the information registration interface includes a user interface for inputting (or selecting) trade transaction status information including at least one of trading partner country company customer information and trade transaction contract information at the terminal. It is preferable to make.

In addition, the web page transmission or output process is preferably performed at least one or more times according to the trade transaction status information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) trade transaction status information including at least one trading partner country company customer information and trade transaction contract information through the information registration interface (415).

If the terminal enters (or selects) trade transaction status information including the trading partner country company customer information and trade transaction contract information through the information registration interface (420), the terminal inputs the information through the communication channel. In operation 425, the client's customer information and trade transaction contract information of the selected trading partner country are transmitted to the server.

According to an embodiment of the present invention, the transmitting (or selecting) the trading partner company information and the trading contract information inputted through the communication channel to the server may be input (or selected) through the information registration interface. The electronic device may further include transmitting the trade transaction status information to an electronic signature or encryption through a security module provided in the terminal.

Thereafter, the server receives and reads the trading partner company information and the trade transaction contract information through the communication channel to check the validity of the trade transaction status information (430).

According to the method of the present invention, confirming the validity of the trade transaction status information registration, if the trade transaction status information is electronically signed or encrypted through the security module provided in the terminal, the trade transaction status information Or may further include decoding the trade transaction status information.

According to an embodiment of the present invention, the validity of the trade transaction status information is whether at least one member information matching the trade transaction status information is registered in the member information D / B on the DBMS associated with the information registration system. It is preferable to include checking.

For example, the validity check of the trade transaction status information confirms whether the trade partner country company customer information included in the trade transaction status information matches the member information stored in the member information D / B on the DBMS associated with the information registration system. It is preferable that it consists of including.

If the validity of the trade transaction status information is not authenticated (435), the server generates a web page including predetermined information registration error information and transmits it to the terminal (440), corresponding to the trade transaction status information. Do not perform the information registration procedure.

On the contrary, if the validity of the trade transaction status information is authenticated (435), the server performs an information registration procedure corresponding to the registration of the trade transaction status information, thereby linking and processing the trading partner enterprise customer information and trade transaction contract information. The storage medium 330 is stored in the predetermined storage medium 330 (445).

According to one embodiment of the invention, the storage medium 330 is preferably provided in a DBMS provided on the information registration system (or associated with the information registration system), whereby the present invention is not limited. .

Thereafter, the server generates a web page including predetermined information registration history information and transmits the generated web page to the terminal (450), thereby completing the procedure of registering the trade transaction status information transmitted from the terminal.

5 is a diagram illustrating a payment processing system for integrated payment transaction service in accordance with an embodiment of the present invention.

In more detail, FIG. 5 shows that after the trade transaction company customer and the trading partner enterprise customer store and register predetermined trade transaction information in a predetermined storage medium through the information registration system shown in FIGS. 1 and 3, Check the trade transaction status information of a trade transaction enterprise customer, provide a trade transaction service item corresponding to the identified trade transaction status information to the trade transaction enterprise customer terminal, output the selected transaction information, and select (or input) the trade transaction enterprise customer By confirming the integrated payment price for the selected (or input) trade transaction service item, and infers various implementation methods for the system configuration for processing the integrated payment price in accordance with the payment request of the trade transaction enterprise customer Although the present invention may include all implementation methods inferred from the above, only the implementation method illustrated in FIG. It shall not be limited.

Hereinafter, a trade transaction service item corresponding to the trade transaction status information of the trade enterprise customer is extracted and presented on the settlement processing system shown in FIG. 5, and the trade transaction enterprise customer is requested according to the payment request of the trade transaction enterprise customer. A component corresponding to at least one or more means or functional configuration for integrating payment amount for the selected (or input) trade transaction service items is referred to as "payment processing server 500" for convenience.

Referring to FIG. 5 according to an embodiment of the present invention, a payment processing system for integrated payment for trade transaction service items corresponding to trade transaction status information of the trade transaction enterprise customer may be used by the trade transaction enterprise customer. And a client terminal including at least one wired terminal or a wireless terminal, wherein the client terminal has a communication channel with a payment processing server 500 provided on the payment processing system through a predetermined network means. Connected.

According to an embodiment of the present invention, the trade transaction enterprise customer is connected to the payment processing server 500 through at least one or more client terminals of a wired terminal connected to a predetermined wired communication network or a wireless terminal connected to a predetermined wireless communication network. Inputting (or selecting) trade transaction condition information for using the trade transaction service package product through at least one user interface provided by the settlement processing server 500, It is preferable to transmit to the payment processing server 500 provided on the payment processing system.

Here, the wired terminal connected to the wired communication network is a generic term for all terminal devices connected to a transmission control protocol / Internet protocol (TCP / IP) based communication network, and a desktop computer or a notebook computer connected to the TCP / IP based communication network (Notebook). ), Or a home appliance terminal (eg, a set-top-box) connected to the TCP / IP based communication network, or a kiosk connected to the TCP / IP based communication network. Do.

In addition, the wireless terminal connected to the wireless communication network is any terminal device connected to a mobile communication network based on CDMA (Code Division Multiple Access), or all terminal devices connected to the portable Internet based on IEEE 802.16x, Motorola's DataTAC method or Erricson's Mobitex A generic term for all terminal devices connected to a wireless data communication network, which is a Personal Communication System (PCS) or Global System for Mobile communications (GSM) terminal or a Personal Digital Cellular terminal connected to the CDMA-based mobile communication network. A PDC or PHS (Personal Handyphone System) terminal or a Personal Digital Assistant (PDA) or a smart phone or telematics, or a portable Internet terminal connected to the IEEE 802.16x based mobile Internet, or Wireless connected to the DataTAC / Mobitex based wireless data communication network It comprises a data communication terminal, such as at least one is preferable.

In addition, the payment processing server 500 connected to the client terminal is either an internet banking server, a wireless banking server, a tele banking server or a TV banking server, or the information registration according to the characteristics of the client terminal and network means. It is preferable to include a separate web server for.

In addition, the network means for connecting the client terminal and the payment processing server 500 may be a CDMA based mobile communication network or a wireless Internet based on IEEE 802.16x or DataTAC / Mobitex based on the type of wireless communication network to which the client terminal is connected. Any one of the data communication networks, or preferably includes all kinds of wireless communication networks proposed in the future including a predetermined wireless interval.

In addition, the client terminal outputs at least one or more user interfaces provided by the payment processing server 500, inputs or selects at least one or more information through the user interface, and transmits them to the payment processing server 500. It is preferable that a function configuration (e.g., a browser program and a communication function, or a predetermined communication program and communication function to communicate with the payment processing server 500) is provided.

Those skilled in the art to which the present invention pertains can easily infer the characteristics of the client terminal corresponding to at least one or more wired terminals or wireless terminals, and thus a detailed description thereof is omitted for convenience.

In the payment processing system as described above, a client terminal including at least one wired terminal or a wireless terminal used by the trade transaction enterprise customer, and at least one wired communication network connecting the client terminal and the payment processing server 500. Alternatively, the wireless communication network may provide a function of an information input interface for providing a trade transaction service item corresponding to the trade transaction status information of the trade enterprise company customer and selecting (or entering) the target trade transaction service item of the trade enterprise company customer. Perform.

According to another exemplary embodiment of the present invention, the client terminal includes an automatic teller machine (ATM) and a cash dispenser (CD) connected to a predetermined financial network (eg, a financial common network). It may further include a financial automation device (not shown) or a predetermined call terminal (not shown) connected to a wired telephone network such as a public switched telephone network (PSTN) or a voice over IP (VoIP) network. It further comprises, or further comprises a predetermined call terminal (not shown) connected to a wireless telephone network such as a mobile communication network, wireless VoIP network, or a terminal provided in at least one or more institutions affiliated with the financial institution ( Or a server) (not shown), by which the present invention is not limited.

In the payment processing system as described above, when the client terminal is the automatic teller machine (not shown), the automatic teller machine (not shown), the automatic teller machine (not shown) and the payment processing server 500 The connecting financial network performs a function of an information registration interface for registering the trade transaction condition information for the trade transaction enterprise customer to use the trade transaction service package product, or the client terminal is the call terminal (not shown). In this case, a wired telephone network or a wireless telephone network connecting the call terminal (not shown) and the call terminal (not shown) and the payment processing server 500 may correspond to a trade transaction status information of the trade customer. Information for providing items and selecting (or entering) the trade target service items for payment of the trade transaction corporate customer. Or a terminal (or server) (not shown) provided in an institution affiliated with the financial institution that is the client terminal (not shown), the terminal (or server) (not shown) and the terminal (or Server) (not shown) and the network that connects the payment processing server 500 provide a trade transaction service item corresponding to the trade transaction status information of the trade transaction enterprise customer and the payment target trade transaction service of the trade transaction enterprise customer. Functions as an information input interface for selecting (or entering) an item.

DBMS provided on the payment processing system according to the present invention or linked to the payment processing system is a trade transaction status provided by a trade transaction enterprise customer provided through the information registration system shown in FIG. 1 or 3. Integrated payment processing for the trade transaction service items in accordance with the storage medium 130 for storing information and trade transaction service item information corresponding to the trade transaction status information of the trade enterprise company customer and the trade transaction enterprise customer request It characterized in that it comprises a storage medium 555 for storing the.

The trade transaction corporate customer information is unique information of the trade transaction corporate customer (eg, corporate name, business registration number, corporation registration number, representative name, address, telephone number, mobile phone number, e-mail address, etc.), and Member information (e.g., at least one or more member IDs created (or assigned) corresponding to the corporate customers by joining the corporate customers as financial transaction customers of the financial institution and financial account information opened under the corporate customer names). It is preferable to comprise.

The trade transaction status information may provide information on the process (or stage) (eg, contract conclusion stage, goods shipment stage, etc.) in which the trade transaction enterprise customer proceeds with a predetermined trade transaction contract with a trading partner company. The trade transaction status information may be further included. For example, if the trade transaction enterprise customer has concluded a trade transaction contract, the trade transaction status information may be replaced with the trade transaction contract information, the trade transaction enterprise customer Once the shipment for the relevant trade item has been completed, it may be replaced with shipping document information for the shipment of the trade item.

Preferably, the trade transaction service item information includes service information (or service provider information), such as shipping, shipping, insurance, etc., which can be used by the trade enterprise customer in performing the trade transaction.

According to one embodiment of the invention, the storage medium 555 is preferably provided in a DBMS on a financial system provided on the payment processing system (or associated with the payment processing system), wherein the storage medium May be a ledger D / B provided in the DBMS on the financial system, or a predetermined database associated with the ledger D / B, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, the storage medium 555 may include at least one of an internet banking system, a telebanking system, a wireless banking system, or a TV banking system provided on (or associated with) the payment processing system. It is possible to be provided in a DBMS on one or more banking systems, whereby the present invention is not limited.

The payment processing server 500 provided on the payment processing system according to the present invention is a generic term for the payment processing system side components connected to the client terminal through a predetermined network means, and includes at least one server (or device). It may be implemented to include, or may be implemented by at least one or more programs recorded on a recording medium provided in a predetermined server (or device), by which the present invention is not limited.

According to an embodiment of the present invention, when the client terminal is a client terminal including a wired terminal or a wireless terminal connectable to an internet banking server on a predetermined internet banking system, the payment processing server 500 is on the internet banking system. Is a predetermined Internet banking server provided in the, or a program provided in the Internet banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the Internet banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the Internet banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

According to another embodiment of the present invention, when the client terminal is a client terminal including a wireless terminal connectable with a wireless banking server on a predetermined wireless banking system, the payment processing server 500 is provided on the wireless banking system. A predetermined wireless banking server, a program included in the wireless banking server, or a predetermined server (or device) accessible to the outside world of the financial system through the wireless banking system, or the server (or device) A program included in, or a server (or device) provided in an external system on the financial system accessible through the wireless banking server (or the server (or device)), or provided in the external system on the financial system. It may be a program, whereby the present invention is not limited.

According to another exemplary embodiment of the present invention, when the client terminal is a call terminal (not shown) connectable to a telebanking server on a predetermined telebanking system, the payment processing server 500 is provided on the telebanking system. A predetermined telebanking server (eg, an Automatic Response Service (ARS) server), a program included in the telebanking server, or a predetermined server accessible to the external system of the financial system through the telebanking system ( Or device), a program included in the server (or device), or a server (or device) provided in the external system on the financial system accessible through the telebanking server (or the server (or device)). Or may be a program provided in the external system on the financial system, whereby the present invention is not limited.

According to another embodiment of the present invention, when the client terminal is a wired terminal (or two-way digital TV) connectable with a TV banking server on a predetermined TV banking system, the payment processing server 500 is located on the TV banking system. Is a predetermined TV banking server provided in the program, a program provided in the TV banking server, or a predetermined server (or device) accessible to the external system of the financial system through the TV banking system, or the server (or Device) or a server (or device) provided in an external system on the financial system accessible through the TV banking server (or the server (or device)) or in an external system on the financial system. It may be a program provided, by which the present invention is not limited.

Referring to FIG. 5, the payment processing server 500 includes an information verification unit 505 for confirming trade transaction status information corresponding to the trade transaction corporate customer information stored in the storage medium, and the identified trade transaction corporate customer. In response to the trade transaction status information, characterized in that it comprises an information extraction unit 510 for extracting from the storage medium the trade transaction service items available to the trading enterprise customer.

The information confirming unit 505 stores the trade transaction status information of the trade transaction corporate customer in a storage medium through the information registration system shown in FIG. 1, and then accesses (or periodically) the trade transaction corporate customer terminal. And confirming the trade transaction status information corresponding to the trade transaction corporate customer stored in the storage medium, and providing the checked transaction transaction status information of the trade transaction corporate customer to the information extraction unit 510.

The information extracting unit 510 may be provided to the trade trading enterprise customer in response to the checked trade transaction status information when the trade transaction status information of the trade trading enterprise customer is confirmed through the information checking unit 505. The trade transaction service items (eg, insurance service, transportation service, ship service, etc.) are extracted from the storage medium, and the extracted trade transaction service items are provided to the information output unit 520.

According to the embodiment of the present invention, the payment processing server 500 is characterized in that it comprises an interface unit 515 for connecting and managing a predetermined communication channel with the client terminal through the network means.

According to an embodiment of the present invention, when the client terminal is a client terminal including a wired terminal connected to a predetermined wired communication network, the interface unit 515 is based on a protocol stack defined in the wired communication network or a wireless communication network. It is preferable to connect a predetermined communication channel with the client terminal, and to provide a communication interface for transmitting and receiving at least one or more information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to a Hyper-Text Transfer Protocol (HTTP) protocol is provided in the client terminal, the interface unit 515 connects a communication channel with the client terminal based on the TCP / IP protocol. By using the HTTP protocol defined in the browser program, a web page (eg, Hyper-Text Markup Language (HTML) compatible web page) or a communication interface for transmitting and receiving information is provided.

Alternatively, when the client terminal is provided with a communication program (eg, an internet banking program) provided by the payment processing server 500, the interface unit 515 communicates with the client terminal based on the TCP / IP protocol. It connects a channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another embodiment of the present invention, when the client terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface unit 515 is based on the protocol stack defined in the wireless communication network. It is preferable to provide a communication interface for connecting at least one communication channel with a terminal and transmitting and receiving at least one information (or data) using a communication protocol defined in a communication program provided in the client terminal.

For example, when a browser program corresponding to WAP (Wireless Application Protocol) or ME (Mobile Explorer) protocol is provided in the client terminal, the interface unit 515 connects a communication channel with the client terminal based on the CDMA protocol. In addition, a communication interface for transmitting and receiving a web page (eg, a WML (Wireless Markup Language) compatible web page, or an HTML compatible web page) or information is provided using a WAP / ME protocol defined in the browser program.

Alternatively, when the client terminal is provided with a communication program (eg, an IC chip-based banking program) provided by the payment processing server 500, the interface unit 515 may be connected to the client terminal based on the CDMA protocol. It connects a communication channel and provides a communication interface for transmitting and receiving information (or data) using a communication protocol defined in the communication program.

According to another exemplary embodiment of the present invention, when the client terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface unit 515 is a voice call protocol defined in the wired telephone network or a wireless telephone network. It is desirable to provide a communication interface for connecting the call terminal (not shown) with a predetermined call path based on the voice call and transmitting and receiving the information (or data) based on the voice call.

For example, the interface unit 515 provides a communication interface for transmitting and receiving information based on Dual Tone MultiFrequency (DTMF) through the call terminal and the communication path, or provides a communication interface for transmitting and receiving information based on voice recognition. do.

Referring to FIG. 5, in the payment processing server 500, a predetermined client terminal connects a communication channel with the payment processing server 500 through the interface unit 515, and then interworks with the interface unit 515. An information output unit 520 and the interface unit 515 for providing and outputting the trade transaction service item information extracted in response to the trade transaction status information of the trade transaction corporate customer information to the client terminal; Interface providing unit 525 for generating (or extracting) a predetermined user interface for selecting (or inputting) and transmitting integrated payment target trade transaction service item information to provide to the client terminal, and the interface unit ( 515, the integrated terminal which inputs (or selects) and transmits the data from the client terminal through the user interface. An information receiving unit 530 for receiving the target trade transaction service item information, a settlement price confirmation unit 535 for combining and confirming the received settlement amount of each trade transaction service item; and the integrated trade transaction service Characterized in that it comprises a payment processing unit 540 for performing a payment processing for the item-specific payment amount.

The information output unit 520 connects the communication channel with the payment processing server 500 through the interface unit 515, and then the trade transaction in accordance with the functional configuration provided in the client terminal. And outputting the trade transaction service item information extracted in response to the trade transaction status information of the corporate customer on the client terminal.

According to an embodiment of the present invention, when the payment processing server 500 is an internet banking server, the trade transaction service item information extracted corresponding to the trade transaction status information of the trade enterprise information is provided to the client terminal. It is preferably included on the banking web page and output.

The interface providing unit 525 is connected to a communication channel with the payment processing server 500 via the interface unit 515, and then output (or provided) through the information output unit 520 A predetermined user interface capable of inputting (or selecting) the integrated transaction target trade transaction service item information corresponding to the trade transaction service item information and transmitting the trade transaction service item information to the payment processing server 500 through the network means; Extract from a database (not shown), and provide the generated (or extracted) user interface to the client terminal through the network means in association with the interface unit 515.

Thereafter, the client terminal inputs (or selects) the integrated payment target trade transaction service item information based on the user interface, and inputs the input (or selected) integrated payment target trade transaction service item information through the network means. The payment processing server 500 transmits.

When the client terminal is a client terminal including a wired terminal or a wireless terminal connected to a predetermined wired communication network or a wireless communication network according to an embodiment of the present invention, the interface providing unit 525 is a browser provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided as a program or a communication program, and provide the generated (or extracted) user interface to the client terminal through the interface unit 515.

According to another exemplary embodiment of the present invention, when the client terminal is a client terminal including a wireless terminal connected to a predetermined wireless communication network, the interface providing unit 525 is a browser program or a communication program provided in the client terminal. It is preferable to generate (or extract) a predetermined user interface that can be provided, and provide the generated (or extracted) user interface to the client terminal through the interface unit 515.

According to another exemplary embodiment of the present invention, when the client terminal is a call terminal (not shown) connected to a wired telephone network or a wireless telephone network, the interface providing unit 525 may be provided to the call terminal (not shown). Generating (or extracting) a user interface and providing the generated (or extracted) user interface (eg, ARS based user interface) to the call terminal (not shown) through the interface unit 515. desirable.

According to another embodiment of the present invention at least one user interface for inputting (or selecting) the package product information and trade transaction corporate customer information to the client terminal to transmit to the payment processing server 500 via the network means; When a predetermined information registration program is provided, the interface providing unit 525 for providing the user interface to the client terminal may be omitted, and the present invention is not limited thereto.

The information receiving unit 530 inputs (or selects) the integrated payment target trade transaction service item information through the user interface from the client terminal and transmits the information through the network means. And receiving the integrated payment target trade transaction service item information, and providing the received integrated payment target trade transaction service item information to the payment confirmation unit 535.

When the settlement price confirmation unit 535 receives the integrated payment target trade transaction service item information through the information receiving unit 530, the payment amount confirmation unit 535 confirms the payment amount for each integrated payment target trade transaction service item, and the confirmed By integrating the payment amount for each item of the trade transaction subject to the integrated payment, and provides the integrated payment amount to the payment processing unit 540.

The payment processing unit 540, when the payment amount for each trade transaction service item is integrated through the payment price confirmation unit 535, characterized in that for performing the payment processing for the integrated payment amount.

According to the implementation method of the present invention, the payment processing server 500 after the trade transaction service for the integrated payment target trade transaction service is successfully performed (or after completion notification of the trade transaction service), the payment amount It is characterized in that it further comprises a distribution processing unit 550 for automatically depositing and processing the payment to the service provider account for each trade transaction service item.

In addition, the payment processing server 500 is characterized in that it further comprises an information storage unit 545 for storing in the storage medium by processing the trade transaction corporate customer information and the transaction transaction service integrated payment details.

According to the method of the present invention, when the storage medium is provided in the payment processing server 500 or on the network associated with the payment processing server 500, the information storage unit 545 is the trade It is preferable to store and store the transaction company customer information and the trade transaction service integrated payment details in the storage medium, and when the storage medium is provided in the DBMS provided on the financial system, the information storage unit 545. Preferably, the trade transaction corporate customer information and the trade transaction service integrated payment details are provided to the information system through an external system on the financial system and stored in a DBMS provided on the financial system.

6A and 6B are diagrams illustrating an integrated payment transaction service process according to an embodiment of the present invention.

In more detail, FIGS. 6A and 6B show a trade transaction enterprise customer and a trade partner enterprise customer storing and registering predetermined trade transaction state information in a predetermined storage medium through the information registration system shown in FIGS. 1 and 3. Thereafter, the trade transaction status information of the trade transaction enterprise customer is checked, and a trade transaction service item corresponding to the identified trade transaction status information is provided to the trade transaction enterprise customer terminal and outputted, and the trade transaction enterprise customer is selected. Various implementations of a system configuration for checking the integrated payment price for the selected (or input) trade transaction service items according to (or input), and processing the integrated payment price according to the payment request of the trade transaction enterprise customer It will be appreciated that the method may be inferred, but the present invention encompasses all implementation methods inferred above, as shown in Figures 6a and 6b. It is not limited only to the implemented method.

In particular, in FIGS. 6A and 6B, when the payment processing system illustrated in FIG. 5 is realized through an Internet banking system among non-face-to-face channel-based banking systems, the client terminal may be a TCP / IP-based network (eg, And accessing the Internet banking server through the Internet, and performing a trade transaction corporate customer authentication procedure.

That is, in FIGS. 6A and 6B, when accessing the Internet banking server through a predetermined browser program (eg, Microsoft Internet Explorer, etc.) provided in the client terminal, the client terminal and the Internet banking are based on the browser program. Although an implementation method of providing an internet banking-based financial transaction channel for providing trade transaction service item information between servers and inputting (or selecting) integrated payment target item information for the trade transaction service items is illustrated, the present invention Those skilled in the art may refer to the Internet banking-based financial transaction channel connection method using the browser programs shown in FIGS. 6A and 6B or modify a predetermined Internet banking program mounted on the client terminal. Based on the client stage Infer a method of providing internet transaction-based financial transaction channels for providing trade transaction service item information between a horse and an internet banking server and for inputting (or selecting) integrated payment item information for the trade transaction service items. As will be appreciated, the present invention includes Internet banking-based financial transactions provided based on the internet banking program, whereby the present invention is not limited thereto.

In addition, those skilled in the art to which the present invention pertains, refer to or modify the Internet banking-based financial transaction channel connection method shown in Figures 6a and 6b, in addition to the Internet banking system, a telebanking system or wireless In another banking system such as a banking system or a TV banking system, an implementation method of linking a non-face-to-face channel-based financial transaction channel for registering trade transaction condition information may be inferred. However, the present invention provides the telebanking system or the wireless banking system. It includes all types of non-face-to-face channel-based financial transactions, including TV banking systems or future non-face-to-face banking systems, and the technical configuration of the present invention is limited to the case of the Internet banking shown in FIGS. 6A and 6B. Is never.

6A and 6B, the client terminal is referred to as " terminal " for convenience, and the Internet banking server corresponding to the payment processing server 500 is referred to as " server "

6A and 6B, when the terminal executes a predetermined browser program and accesses the server through the TCP / IP based network (600a), the server communicates between the terminal and the server through the browser. 605a, wherein the communication channel is generated (or extracted) by a request of a browser program provided to the terminal from the server and transmitted to the terminal, and the browser is provided to the terminal. This means that a predetermined communication session is allocated so that a program can receive at least one or more information (or data) input (or selected) based on a predetermined user interface included in the web page.

According to another embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server is based on a predetermined communication protocol defined in the internet banking program and at least one or more information (or Communication channel for transmitting / receiving data) can be allocated.

Thereafter, the server is equipped with a predetermined security module for internet banking on the terminal on a predetermined web page (eg, an internet banking main page) generated (or extracted) for providing to the terminal, or the security module. By adding a predetermined script for checking whether or not to update the terminal and providing it to the terminal, it is checked whether a predetermined security module for internet banking is installed in the terminal or whether the security module is to be updated ( 610a).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the server requests the version information or the last update date, etc., from the internet banking program, thereby providing the Internet banking program (or the Internet banking program). It can be checked whether or not to update the security module associated with the module.

If a predetermined security module is mounted or updated in the terminal (615a), the server transmits and mounts the latest version of the security module for internet banking to the terminal according to a remote program installation procedure defined in the browser program. Or update 620a.

If the terminal does not need to install or update the latest version of the Internet banking security module (625a), or if the terminal does not need to install or update the Internet banking security module (615a), the server is mounted on the terminal By activating the security module for the Internet banking, the Internet banking security channel is connected between the terminal and the server (or the communication channel between the terminal and the server to a secure channel) (630a), where the security channel for the Internet banking Attach a predetermined electronic signature to information (or data) required for security among information (or data) included in the web page to be provided to the terminal from the server or encrypt using at least one encryption method (or encryption algorithm). If provided, the terminal confirms the digital signature or corresponds to the encryption scheme (or encryption algorithm). Means a communication channel to decode the information (or data) by a predetermined decryption method (or decryption algorithm), and also to the information (or data) to be provided to the server to register the trade transaction conditions information in the terminal When the digital signature is attached or encrypted and transmitted using at least one encryption method (or encryption algorithm), the server verifies the digital signature or a predetermined decryption method (or decryption) corresponding to the encryption method (or encryption algorithm). Means a communication channel to decode the information (or data).

According to another exemplary embodiment of the present invention, when the terminal is provided with a predetermined internet banking program, the Internet banking-based secure channel may be provided by the server to the terminal according to a communication protocol defined in the internet banking program (or Data is attached to a predetermined digital signature, or encrypted and provided by at least one encryption method (or an encryption algorithm), the terminal confirms the electronic signature or a predetermined function corresponding to the encryption method (or an encryption algorithm). A communication channel for decrypting the information (or data) by a decryption method (or decryption algorithm), and a predetermined electronic signature on information (or data) to be provided to the server for registering trade transaction condition information in the terminal. Or at least one encryption method (and Encrypting the data using an encryption algorithm), and the server verifies the digital signature or decrypts the information (or data) with a predetermined decryption method (or decryption algorithm) corresponding to the encryption method (or encryption algorithm). It means communication channel.

According to the present invention, the security module is characterized by performing an electronic signature attachment, encryption, or decryption function for the information (or data) by using the official certificate of the trade transaction enterprise customer mounted on the terminal. do.

When the secure channel for internet banking is connected, the server requests the terminal to perform an internet banking trade transaction enterprise customer authentication procedure through the browser program (635a).

According to an exemplary embodiment of the present invention, the internet banking trade transaction corporate customer authentication procedure may be performed by the trade transaction enterprise customer through the terminal using predetermined Internet banking-based trade transaction enterprise customer authentication data (eg, a trade transaction enterprise customer through Internet banking). ID / PW registered in the application process or trade transaction corporate customer number, etc.) is input (or generated) and sent to the server, and the trade transaction accessed through the terminal based on the trade transaction corporate customer authentication data from the server. It comprises the authentication of a corporate customer as an Internet banking trade transaction enterprise customer, wherein the trade transaction enterprise customer authentication data is preferably transmitted electronically signed or encrypted through the secure channel.

According to another exemplary embodiment of the present invention, the internet banking trade transaction corporate customer authentication procedure may be performed by the trade transaction enterprise customer through the terminal using predetermined Internet banking-based trade transaction enterprise customer authentication data (eg, a trade transaction enterprise customer through the Internet). ID (PW) registered in the banking application process or trade transaction corporate customer number, etc.) is input (or generated) and sent to the authentication server, the authentication server through the terminal based on the trade transaction enterprise customer authentication data And authenticating the trade transaction enterprise customer connected to the Internet banking trade transaction enterprise customer, and providing the result to the server, wherein the trade transaction enterprise customer authentication data includes authorized certificate-based authentication data. Preferably, the authentication server is a server for authenticating the certificate-based authentication data .

Thereafter, the terminal inputs (or generates) predetermined trade transaction corporate customer authentication data according to the request, and electronically signs or encrypts the data through the security module and transmits the data to the server (or certificate server). Request for authentication (640a), the server (or the authentication server) is based on the trade transaction enterprise customer authentication data received from the terminal for the non-face-to-face channel-based financial transactions for trading business customers connected through the terminal Certified as an internet banking trading business customer (645a).

If the Internet banking trade transaction enterprise customer authentication fails (650a), the server blocks the Internet banking security channel for the terminal (655a), so that the Internet banking-based financial transactions are not made through the terminal.

On the other hand, if the internet banking trade transaction enterprise customer authentication is successful (650a), the server is connected to the security module provided in the terminal to convert the Internet banking security channel into an internet banking-based financial transaction channel (660a), In this case, the Internet banking-based financial transaction channel refers to a communication channel capable of transmitting and registering package product information for using a trade transaction package product from the terminal to the server.

Referring to FIG. 6B, the server stores the trade transaction status information of the trading company customer through the information registration system shown in FIG. 1 in a storage medium, and then accesses (or periodically) the trading company company terminal. The trade transaction status information corresponding to the trade transaction enterprise customer stored in the storage medium is checked (600b).

When the trade transaction status information of the trade transaction corporate customer is confirmed (605b), the server corresponds to the confirmed trade transaction status information, and provides trade transaction service items (eg, insurance) that can be provided to the trade transaction corporate customer. Service, transport service, ship service, etc.) is extracted from the storage medium (610b).

When the trade transaction service items (eg, insurance service, transportation service, ship service, etc.) available to the trade enterprise company are extracted from the storage medium (615b), the server includes the extracted trade transaction service item. A web page is generated (or extracted) (620b), and the generated (or extracted) web page is transmitted to the terminal and output through the internet banking-based financial transaction channel (625b).

Subsequently, if the trade transaction enterprise customer wants integrated payment for the trade transaction service item (630b), the terminal requests (or selects) an integrated payment target trade transaction service item from the server through the financial channel ( 635b), the server generates (or extracts) a web page corresponding to the information input interface for inputting (or selecting) the transaction item for the integrated payment object (640b).

The server transmits and outputs a web page corresponding to the information input interface for inputting (or selecting) the integrated transaction target trade transaction service item to the terminal (645b). According to an embodiment of the present invention, the information input interface Preferably, the terminal comprises an interface for inputting (or selecting) the integrated payment target trade transaction service item, or internet banking trade transaction requesting the input (or selection) of the integrated payment target trade transaction service item. In order to verify the validity of a corporate customer, a predetermined password (e.g., account password) or security code (e.g., a security code printed on a security card issued to a trading business customer during an internet banking application process) or OTP (One Time) Password) (eg internet banking application process (or after internet banking application) It is preferable to further include an interface for inputting a one-time password generated through an OTP authenticator (or an OTP authentication program) provided to the trade-trade enterprise customer.

In addition, the web page transmission or output process is preferably performed at least once according to the trade transaction condition information registration procedure, whereby the present invention is not limited.

Thereafter, the terminal inputs (or selects) the integrated payment target trade transaction service item through the information input interface (650b).

When the integrated payment target trade transaction service item is input (or selected) through the information input interface, the terminal receives the input (or selected) integrated payment target trade transaction service item through the financial transaction channel. Send to server (655b).

According to the exemplary embodiment of the present invention, the integrated payment target trade transaction service item input (or selected) through the financial transaction channel to the server may be integrated payment input (or selected) through the information input interface. The target trade transaction service item comprises a digital signature or an encryption through a security module provided in the terminal and transmits it to the server.

Thereafter, the server checks the total payment amount by integrating the payment amount for each integrated payment target trade transaction service item received through the financial transaction channel (660b), and performs payment processing for the confirmed total payment amount. (665b).

According to an embodiment of the present invention, the server may determine the payment amount after the trade transaction service for the integrated transaction target trade transaction service is successfully performed (or after completion of notification of the trade transaction service). It is characterized in that the automatic distribution to the itemized service provider account.

In addition, the server preferably stores and stores the trade transaction company customer information and the trade transaction service integrated payment details in the storage medium.

According to an embodiment of the present invention, when the storage medium is provided in the server or on a network connected to the server, the server processes the trade transaction company customer information and the trade transaction service integrated payment details in a cooperative process. Preferably, the storage medium is stored in the storage medium, and when the storage medium is provided in a DBMS provided on a financial system, the server replaces the trade transaction corporate customer information and the trade transaction service integrated payment history on the financial system. It is preferable to provide the information system through the external system and store it in the DBMS provided on the financial system.

7 is a diagram illustrating a trade transaction service item integrated payment selection (input) interface of a trade transaction enterprise customer according to an embodiment of the present invention.

In more detail, Figure 7 shows that after the trade transaction corporate customer and the trading partner enterprise customer through the information registration system shown in Figures 1 and 3 store and register the predetermined trade transaction status information in a predetermined storage medium, After confirming the trade transaction status information of the trade transaction enterprise customer, and outputs a trade transaction service item corresponding to the identified trade transaction status information to the trade transaction enterprise customer terminal, and outputs, the trade transaction enterprise customer is the trade transaction As an interface for applying for an integrated payment for a service item, it is possible to infer various methods of constructing an interface for selecting and / or entering an integrated payment target item for a trade transaction service item. However, the present invention includes all the implementation methods inferred from the above, and the implementation shown in FIG. It shall not be limited only to the law.

Through the integrated trade transaction service payment according to the present invention, there is an advantage that the trade transaction customer can easily identify the trade transaction service that can be provided corresponding to the trade transaction details (or status).

In addition, the customer has the advantage that you can make a collective payment by integrating the payment for the trade transaction services to be provided.

Claims (5)

Information checking means for confirming a trade transaction history of the banking trade customer using the banking from a storage medium storing a trade transaction history when using the banking of the trade customer; Information extracting means for extracting at least one trade transaction service-delivery service, shipment service, insurance service, etc. required by the trade enterprise customer in response to the identified trade transaction details; Information output means for outputting the extracted at least one trade transaction service information to the trade transaction enterprise customer terminal; Information receiving means for receiving at least one trade transaction service information selected (or input) by the trade transaction enterprise customer from the trade transaction enterprise customer terminal; Payment price confirmation means for integrating and confirming payment values for at least one trade transaction service selected (or input) by the trade transaction enterprise customer; And And a payment processing means for processing the confirmed payment amount according to the payment request of the trade transaction enterprise customer. The method of claim 1, And distribution processing means for automatically allocating the payment processing amount and depositing the service provider account for each trade transaction service selected (or input) by the trade transaction company customer. system. Confirming a trade transaction history of the banking trading company customer from a storage medium storing the trade transaction history when using the banking of the trade transaction company customer in the information checking means; Extracting at least one trade transaction service information required by the trade enterprise customer in response to the identified trade transaction details by information extracting means; Outputting the extracted at least one trade transaction service information from the information output means to the trade transaction enterprise customer terminal; When at least one trade transaction service information selected (or entered) by the trade transaction corporate customer is received from the trade transaction enterprise customer terminal, at least one or more selected (or input) by the trade transaction enterprise customer in a payment confirmation means Integrating and confirming payment for a trade transaction service; And And processing the confirmed payment amount in response to a payment request of the trade transaction enterprise customer in a payment processing means. The method of claim 3, wherein And automatically depositing the payment amount by the distribution processing means to a service provider account for each trade transaction service selected (or input) by the trade transaction enterprise customer. Consolidated payment method. A recording medium which records a program for executing the method of claim 3.

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