KR20030077250A - The payment method for Internet shopping mall and Internet service company by using OPA(Online Payment-in-Advance) system and DBMS. - Google Patents

The payment method for Internet shopping mall and Internet service company by using OPA(Online Payment-in-Advance) system and DBMS. Download PDF

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Publication number
KR20030077250A
KR20030077250A KR1020020016239A KR20020016239A KR20030077250A KR 20030077250 A KR20030077250 A KR 20030077250A KR 1020020016239 A KR1020020016239 A KR 1020020016239A KR 20020016239 A KR20020016239 A KR 20020016239A KR 20030077250 A KR20030077250 A KR 20030077250A
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South Korea
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payment
internet
opa
company
information
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KR1020020016239A
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Korean (ko)
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이호열
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오스크엔터테인먼트(주)
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Priority to KR1020020016239A priority Critical patent/KR20030077250A/en
Publication of KR20030077250A publication Critical patent/KR20030077250A/en

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Abstract

PURPOSE: A system for payment after supplying a commodity using an OPA(Online Payment-in-Advance) system is provided to reduce a load of an operating fund and a managing expense by constructing new managing system and supplying a payment price in advance through a designated bank. CONSTITUTION: A consumer pays an amount of money for purchasing a commodity through the Internet or using charged information using an on-line paying method(credit card, mobile phone payment, wire telephone ARS, electronic money, and so on). An approval request and approval information are received from a payment unit supply company(card company, communication company, PG(Payment Gateway) company, an MPG(Mobile Payment Gateway) company, network type electronic money, and so on) through an OPA managing system. In addition, a designated bank pays money to an Internet company through the OPA managing system in the appointed day or the next day. The OPA managing system receives information of payment unit of users, checks the information, and transmits the information to a DBMS(Data Base Management System) for storing user information registered in the Internet through a DB converter. Thus, user information of two input channels is unified and integrated.

Description

인터넷 전자상거래업체에대한 OPA(Online Payment-in-Advance)시스템을 이용한 선지급 결제시스템 및 그 방법{The payment method for Internet shopping mall and Internet service company by using OPA(Online Payment-in-Advance) system and DBMS.}The payment method for Internet shopping mall and Internet service company by using OPA (Online Payment-in-Advance) system and DBMS .}

본 발명은 인터넷 상에서 이루어지는 전자상거래 및 유료정보서비스제공에 대한 결제시스템 관련으로써 종래시스템은 소비자의 지불방식에 따라 결제기일이 각각 다름에 따라 기존 영세인터넷업체들에게 운영자금부담과 관리비용을 증가시키는 시스템이다.The present invention relates to a payment system for providing electronic commerce and paid information services on the Internet, and the conventional system increases operating costs and management costs to existing small Internet companies as payment dates vary depending on the payment method of the consumer. System.

본 발명은 새로운 관리 시스템을 구축하고 결제은행을 통하여 결제대금을 선지급해줌으로써 운영자금부담과 관리비용을 증가시키는 문제점을 해소하기 위해 본 발명의 목적이 있는 것이다.The present invention has an object of the present invention to solve the problem of increasing the operating costs and management costs by establishing a new management system and prepayment of payment through the payment bank.

이와같은 목적을 달성하기 위한 본 발명은, 인터넷 업체들과 결제방식 제공업체들을 연결하고 관리할 수 있는 관리시스템(가칭: OPA 시스템)을 구축하여야 하며 결제방식 제공회사로부터 결제승인이 이루어지면 동시에 본 시스템을 통하여 결제은행에 결제대금을 당일 혹은 익일에 인터넷 업체들에게 선지급처리되도록 하는 금융서비스 비즈니스 모델인 것이다In order to achieve the above object, the present invention should establish a management system (tentatively referred to as OPA system) that can connect and manage Internet companies and payment method providers. It is a financial service business model that allows payments to be made to internet companies on the same day or the next day through the system.

도 1은 관리시스템을 이용하지 않은 기존 결제시스템 흐름도1 is a flow chart of an existing payment system that does not use a management system

도 2는 관리시스템을 이용한 개선 결제시스템 흐름도2 is an improved payment system flow chart using the management system

이하 첨부된 도면에 의해 상세히 설명하면 다음과 같다.Hereinafter, described in detail by the accompanying drawings as follows.

도 1은 기존에 실행되고 있는 온라인 결제 시스템 흐름도로서, 소비자가 지불방식을 선택하여 인터넷상에서 구매를 했을 경우 인터넷회사는 결제수단 제공회사로부터 결제승인절차를 거친후 소비자에게 물품이나 서비스를 제공하게 되는데 각각의 결제수단에 따라 결제기일(신용카드(5일～7일소요), 핸드폰 결제(2개월～6개월소요),700유료전화결제(2개월소요) )이 다름에 따라 기존 영세인터넷업체들에게 운영자금부담과 관리비용을 증가시키는 시스템이다.1 is a flow chart of an existing online payment system. When a consumer selects a payment method and makes a purchase on the Internet, the Internet company provides goods or services to the consumer after undergoing a payment approval procedure from a payment provider. Existing small internet companies are different due to different payment methods (credit card (5 ~ 7 days), mobile phone payment (2 ~ 6 months), 700 pay phone (2 months)) It is a system to increase the operating cost burden and management cost.

도 2는 관리시스템(가칭:OPA 시스템)을 사용한 온라인 선지급 결제시스템으로서, 소비자가 인터넷을 통해 물건을 구입하거나 유료로 제공되는 정보를 이용하기 위하여 지불해야할 금액을 Online결제방법(신용카드, 핸드폰결제, 유선전화ARS, 전자화폐, 기타) 으로 결제을 했을 경우 OPA관리시스템을 경유하여 승인요청과 승인정보를 결제수단제공회사(카드사, 통신사, VAN사, PG(Payment Gateway)사, MPG(Mobile Payment Gateway)사, 네트워크형 전자화폐, 기타)로부터 제공받아 사용자별로 접수된 금액을 OPA관리시스템에 따라 결제은행에서 인터넷업체에게 당일 혹은 익일 지불해 주도록 하는 금융서비스이다.2 is an online prepaid payment system using a management system (tentative name: OPA system), in which an online payment method (credit card, mobile phone payment) is required for a consumer to purchase an item through the Internet or use information provided for a fee. , Payment request via the OPA management system, payment method provider (card company, telecommunication company, VAN company, Payment Gateway (PG) company, MPG (Mobile Payment Gateway) It is a financial service that the payment bank pays the Internet company to the Internet company the same day or the next day according to the OPA management system.

이를 위하여 본 발명은, OPA시스템에서 각종 결제수단사용자 정보 입력을 받아 인증 확인하고 DB Converter를 통해 인터넷에서 등록한 사용자 정보를 저장하고 있는 DBMS로 전송하므로써 각각 다른 결제수단과 인터넷이라는 두개의 입력채널의 사용자 정보를 일원화하여 통합 관리 대행해줌으로써 인터넷업체의 관리비용을 절감할 수 있다.To this end, the present invention, the user of the two input channels, respectively different payment means and the Internet by transmitting to the DBMS storing the user information registered in the Internet through the DB Converter through the OPA system receives the various payment means user information input By unifying information and unifying management, the management cost of Internet companies can be reduced.

가. 인터넷 쇼핑몰 및 인터넷 서비스 제공 회사들의 운영에 있어 가장 큰 장애 요인중의 하나인 결제로부터 현금화까지의 고질적인 지체, 이로인한 운전자금의 부담가중을 해소 할 솔루션 제공. 즉 당일 혹은 익일 선지급 결제 서비스 제공.end. Providing solutions to solve the delay in payment and cash, which is one of the biggest obstacles to the operation of Internet shopping malls and Internet service providers. Day or next day advance payment service provided.

* 결제기일(현금화)의 차이 : 신용카드(5일～7일소요), 핸드폰 결제(2개월～6개월소요),700유료전화결제(2개월소요) 등의 결제 기일의 차이 발생.* Difference in payment date (cash): There are differences in payment dates such as credit card (5 ~ 7 days), mobile phone payment (2 ~ 6 months) and 700 pay phone (2 months).

나. 인터넷 결제수단의 복잡하고 다양한 지불시스템과 관리업무(데이터 관리기간 축소)등을 대행 및 문제점을 해소 시켜줌으로써 OPA system 이용 인터넷 업체들에게 관리비용 감소 및 투명한 자금계획 수립에 기여.I. It solves the problems and problems of complex and diverse payment systems and management tasks (reduction of data management period) of Internet payment methods, and contributes to reducing management costs and establishing transparent fund plans for Internet companies using OPA system.

다. 인터넷 업체들로 하여금 다양한 결제수단의 부담감을 줄여줌으로 인해 자연스럽게 신용결제 시스템 사용을 촉진시켜줌으로써 무자료거래 소멸 유도.All. Inducing Internet companies to reduce the burden of various payment methods, thereby facilitating the use of credit settlement systems, leading to the elimination of dataless transactions.

라. 온라인상의 상거래에서 결제후 일어나는 자금 회전 병목현상을 방지함으로써 일시적인 운전자금 부족으로 어려움을 겪을 수 있는 영세업체 보호에 기여.la. Helps protect small businesses that may suffer from temporary shortages of work by preventing fund rotation bottlenecks after settlement in online commerce.

마. 한국경제의 신용거래 사회 정착을 위한 기반 및 새로운 경쟁력 제공.hemp. Providing a foundation and new competitiveness for the settlement of credit trading society in the Korean economy.

Claims (1)

인터넷 전자상거래업체에대한 OPA(Online Payment-in-Advance)시스템을 이용한 선지급 결제시스템 및 그 방법에 있어서,In the prepaid payment system and method using an online payment-in-advance (OPA) system for an Internet e-commerce company, 인터넷업체(전자상거래 및 유료정보서비스제공)와 결제수단 제공회사(카드사, 통신사, VAN사, PG(Payment Gateway)사, MPG(Mobile Payment Gateway)사, 네트워크형 전자화폐, 기타)에서 결제승인요청 및 결제승인정보의 처리과정 중에서 모든 정보를 관리시스템(온라인 선지급 결제시스템)의 DB Converter를 통하여 DBMS(Data Base Memory Storage)에 저장하는 단계,Request for payment approval from Internet companies (e-commerce and paid information services) and payment method providers (card companies, telecommunications companies, VAN companies, Payment Gateway (PG) companies, Mobile Payment Gateway (MPG) companies, network type electronic money, etc.) And storing all information in the DBMS (Data Base Memory Storage) through the DB converter of the management system (online prepaid payment system) during the processing of payment approval information. 저장한 Data의 정보를 OPA 시스템을 통하여 각 결제은행에서 인터넷업체로 결제금액을 선지급하도록 처리하는 프로그램 및 그 방법을 수행하는 단계.Performing a program and method for processing the stored data information to prepay payment amount from each payment bank to the Internet company through OPA system.
KR1020020016239A 2002-03-25 2002-03-25 The payment method for Internet shopping mall and Internet service company by using OPA(Online Payment-in-Advance) system and DBMS. KR20030077250A (en)

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Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000017910A (en) * 1999-12-21 2000-04-06 임상진 Prompt decision system for credit card
KR20010060331A (en) * 1999-12-21 2001-07-06 노장우 BAROH credit card settlement system for the member store and method thereof
KR20010082133A (en) * 2000-02-15 2001-08-29 라응찬 System and method for managing a payment relation between the enterprises
KR20010100486A (en) * 2000-05-02 2001-11-14 임상진 Electronic commerce payment system using credit card
KR20010109384A (en) * 2000-05-30 2001-12-10 장천민 Method for immediate paying credit card in on-line trading system using internet
KR20020014155A (en) * 2000-08-16 2002-02-25 양광수 Method of early settlement for credic card billing

Patent Citations (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
KR20000017910A (en) * 1999-12-21 2000-04-06 임상진 Prompt decision system for credit card
KR20010060331A (en) * 1999-12-21 2001-07-06 노장우 BAROH credit card settlement system for the member store and method thereof
KR20010082133A (en) * 2000-02-15 2001-08-29 라응찬 System and method for managing a payment relation between the enterprises
KR20010100486A (en) * 2000-05-02 2001-11-14 임상진 Electronic commerce payment system using credit card
KR20010109384A (en) * 2000-05-30 2001-12-10 장천민 Method for immediate paying credit card in on-line trading system using internet
KR20020014155A (en) * 2000-08-16 2002-02-25 양광수 Method of early settlement for credic card billing

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
카탈로그[인터넷 머니투데이 - 게재일자 2001.08.16]2001.08.16 *

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