KR20010111446A - A Check/card for Internet based commerce and a method for dealing the check/card - Google Patents

Abstract

An embodiment of the Internet check of the present invention includes a check symbol indicating the type of the check, a bank symbol indicating the bank that issues the check, an issue date symbol indicating the issue date of the check, an issue number symbol indicating the issue number of the check, And an issuance amount symbol representing an issuance amount of the check and an encryption symbol representing an encryption code of the check, wherein the symbols are formed of letters, numbers, figures, symbols, or a combination thereof, and have no shape, and the Internet. It is characterized by being used in e-commerce.

Another embodiment of the Internet check of the present invention includes a check symbol indicating the type of the check, a bank symbol indicating the bank that issues the check, an issue date symbol indicating the issue date of the check, an issue number symbol indicating the issue number of the check, A first free space portion for describing the amount of money issued for the check, an issue limit amount symbol for indicating the amount of money issued for the check, a second free space portion for describing the payee ID of the check, and an encryption code for the password of the check. It is made to include.

The Internet card of the present invention includes a card symbol indicating a type of card, an engine symbol indicating an engine issuing the card, an issue date symbol indicating a issuing date of the card, an issue number symbol indicating a issuing number of the card, and issuing the card. An issuance amount symbol representing an amount of money and an encryption symbol representing an encryption of the card.

One embodiment of a commerce method using the Internet-based electronic checks and electronic cards according to the present invention, in the Internet-based electronic commerce using the electronic checks and electronic cards between customers, operators and a single bank, the customer corresponds to the bank Paying an amount and confirming his / her real name, requesting issuance of an electronic check or an electronic card, a bank issued an electronic check or an electronic card to a customer according to the request, and the customer checks the electronic check or the electronic card Paying the operator at the expense of purchasing or using the operator's ware, requesting the bank for the cash payment of the paid electronic check or the electronic card, and requesting the electronic check or electronic card for the payment. Check whether the bank matches the data stored in the check & card issuance database. Steps to notify the payment audit results, the operator notified the payment audit results to issue a receipt to the customer and paid in accordance with the examination results of the bank account to deposit the carrier comprises the step of paying the amount.

Another embodiment of a commerce method using an internet-based electronic check and electronic card according to the present invention, in the Internet-based electronic commerce using a customer, a business operator and a plurality of banks electronic checks and electronic cards, the customer to the first bank Paying the amount and verifying his / her real name, requesting issuance of an electronic check or an electronic card, a first bank issuing an electronic check or an electronic card to a customer according to the request, and the customer checks the electronic check Or paying the electronic card to the operator for the cost of purchasing or using the operator's ware, requesting the operator to the second bank for cash payment of the paid electronic check or the electronic card, receiving the payment request A second bank presenting an exchange of the electronic check or the electronic card to the first bank, the exchanged electronic check or Confirming whether the first bank matches the data stored in the check & card issuance database for the electronic card and notifying the second bank of the exchange confirmation, and the second bank receiving the notification of the exchange is paid to the business operator. Notifying a result, receiving a receipt from a business operator notified of the result of the payment examination, paying the amount of the electronic check and the electronic card exchanged to the second bank by the first bank and the payment examination result According to the second bank comprises the step of paying the amount to the operator's deposit account.

Description

A check / card for internet based commerce and a method for dealing the check / card}

The present invention relates to electronic checks and electronic cards for use in Internet-based electronic commerce. The present invention also discloses a method for translating the electronic check and the electronic card between the customer, the business operator, the bank.

In the related art, the technology for the electronic check and electronic card for electronic commerce has not been provided.

Moreover, there is no disclosure on how to use e-commerce checks and e-cards to trade between customers, businesses and banks.

In particular, international transactions based on the Internet are being activated, but international transactions were not performed smoothly because there was no way to trade e-checks and e-cards between banks, customers and operators of each country.

In the related art, it is difficult to achieve accurate taxation because it is difficult to verify the real name of the electronic commerce, and it is not easy to verify the identity of the person.

In addition, international e-commerce was inconvenient because there was no internationally unified standard.

An object of the present invention is to provide an electronic check and electronic card for use in Internet-based electronic commerce.

Another object of the present invention is to provide a method for transactions between customers, businesses, banks of the electronic check and the electronic card.

Other objects and advantages of the present invention will become more apparent from the following detailed description of the invention and the accompanying drawings.

1 is a flow chart showing a method of trading Internet checks / cards in accordance with the present invention.

2 is a flow chart showing another method of trading Internet checks / cards in accordance with the present invention.

3A illustrates an embodiment of an internet check in accordance with the present invention.

3b illustrates one embodiment of a receivable Internet check made in accordance with the present invention;

3C illustrates one embodiment of a payee unspecified Internet check in accordance with the present invention.

3d illustrates one embodiment of an internet card in accordance with the present invention;

<Brief description of the main parts of the drawings>

100,400,500: Bank server 120,420: Customer registration database

140,440: Check & Card Issuance Database 160,520: Business Registration Database

200: customer 300: operator server

1. Internet Check

<First Embodiment>

Internet check according to the present invention, a check symbol indicating the type of the check, a bank symbol indicating the bank issuing the check, the issue date symbol indicating the issue date of the check, the issue number symbol indicating the issue number of the check, the And a cryptographic symbol representing a cryptographic amount of the check and a cryptographic symbol representing the cryptographic amount of the check, wherein the symbols are each composed of letters, numbers, figures, symbols, or a combination thereof. It is used in e-commerce.

In this embodiment, it is preferable to further have an expiration date symbol indicating the expiration date of the check.

In this embodiment, it is preferable to further include a payee ID for designating the payee of the check.

In this embodiment, it is preferable to further include an expiration date symbol indicating the expiration date of the check and a payee ID for designating the recipient of the check.

And the bank symbol is made by the combination of the country code, the bank unique code and the branch code, the payee ID is preferably the same as the business ID of the payee.

In addition, the operator ID is preferably made by combining the country code of the operator, the industry type code indicating the industry of the operator and the operator-specific code.

This embodiment is shown in Figure 3a.

Where ICⓐ represents the check symbol.

krICBac represents the issuing bank (kr country code + ICB bank unique code + ac branch code).

20000102 represents the date of issue.

0a0b0c represents an issue number.

$ 5,000 $ represents the issue amount.

20000103: 2340 represents the effective date and time.

G2f5ed4▦alЮSjYUe3mVjd represents a password.

Another embodiment showing the payee is shown in FIG. 3B.

Where ICⓑ represents a check symbol.

krICBcd represents the issuing bank symbol.

20000102 represents the date of issue.

0a0b0c represents an issue number.

$ 5,000 $ represents the issue amount.

20000103: 2340 represents the effective date and time.

krHab1cd2f represents a payee ID (= business ID = kr country code + H industry code + ab1cd2f business operator unique code).

F5d4▦jЮjY represents a password.

Second Embodiment

Another embodiment of the Internet check according to the present invention includes a check symbol indicating the type of the check, a bank symbol indicating the bank that issues the check, an issue date symbol indicating the issue date of the check, and an issue number symbol indicating the issue number of the check. A first free space portion for describing the amount of money issued for the check, an issued limit amount symbol for indicating the amount of money issued for the check, a second free space portion for describing the payee ID of the check, and an encryption symbol for the code of the check It is made, including, each of the symbols are made of letters, numbers, figures, symbols or a combination thereof, there is no shape, characterized in that used in the electronic commerce based on the Internet.

In this embodiment, it is preferable to further have an expiration date symbol indicating the expiration date of the check.

In the second blank space for entering the payee ID, the country code of the operator or the industry code indicating the industry of the operator is designated, and the check area is restricted or the use of the check is limited to the corresponding industry within the corresponding country. desirable.

And the bank symbol is made by the combination of the country code, the bank unique code and the branch code, the payee ID is preferably the same as the business ID of the payee.

In addition, the operator ID is preferably made by combining the country code of the operator, the industry type code indicating the industry of the operator and the operator-specific code.

This embodiment is shown in Figure 3c.

IC © represents a check symbol.

krICBef represents the issuing bank symbol.

20000102 represents the date of issue.

0a0b0c represents an issue number.

*, *** \ represents the first empty space part for describing the issued amount.

/ 5,000 $ represents the issuance limit amount.

20001103 represents the valid date and time.

krH ****** indicates the second blank space for entering the payee ID. (kr limits the usage area and H uses the type of business)

▦aЮjYn ♤ kiUe4m represents a password.

2. Internet card

The Internet card according to the present invention has a card symbol indicating the type of card, an engine symbol indicating an organization that issues the card, an issue date symbol indicating the issue date of the card, an issue number symbol indicating the issue number of the card, and issuance of the card. And an issuance amount symbol representing an amount of money and an encryption symbol representing an encryption of the card, wherein the symbols are formed of letters, numbers, figures, symbols, or a combination thereof, and have no shape and are based on the Internet. It is used in commerce.

In this embodiment, it is preferable to further have an expiration date symbol indicating the expiration date of the card.

And it is preferable to further provide a usage limitation area sign indicating a restricted use area of the card and a usage limitation industry sign indicating a restricted use industry of the card.

And the agency code is made by a combination of the country code and the agency-specific code, the agency includes a bank, securities company, department store, airline, refinery company, Internet portal site operators.

This embodiment is shown in FIG. 3D.

ICⓟ represents a card symbol.

krICBxw represents an issuer symbol.

20000102 represents the date of issue.

00a00b00c represents an issue number.

$ 10,000 represents the issue amount.

20001205 represents an effective date.

★ alЮSjYdUe3mVjd ♧ represents a password.

kr indicates a restricted area of use.

A represents a restricted industry.

3. Electronic commerce method using internet-based electronic checks and electronic cards

<First Embodiment>

In Fig. 1 a commerce relationship between a customer, a business operator and a single bank is shown.

The present invention, in the Internet-based electronic commerce using a customer, a business operator and a single bank electronic check and an electronic card, the customer pays the amount to the bank and confirmed his real name, issuing an electronic check or electronic card Requesting, issuing an electronic check or an electronic card to a customer in accordance with the request, wherein the customer pays the electronic check or the electronic card to an operator at the cost of purchasing or using the operator's ware. Step, requesting a bank to the bank for cash payment of the paid electronic check or electronic card, whether the bank matches the data stored in the check & card issuance database for the requested electronic check or electronic card. Confirming and notifying the payment examination result to the operator; A receipt issued (if issued cards with a balance confirmation receipt) stage and according to the payment of examination results achieved by comprising the Bank paid the amount to the bank account of the company.

In the present embodiment, if the method of paying the issued amount of the electronic check or the electronic card to the bank is not processed in real time on the Internet, or if the bank does not complete the method of confirming the real name of the customer, the bank Receipt and password of the payment amount are sent to the registered e-mail address of the customer who paid the amount, and the customer can request the issuance of an electronic check or an electronic card by confirming the real name using the password. desirable.

In order to obtain a customer ID, the customer may register personal information including a customer name, a social security number or a business registration number, an e-mail address, a payment account and a customer authentication password in the customer registration database of the bank.

The customer ID is preferably made by combining a country code, a type code indicating the type of customer, and a customer unique code.

The customer pays the issued amount of the electronic check or electronic card to the bank, it is preferable to use one of the deposit, wire transfer, bank transfer, giro, CMS account transfer, credit card, prepaid card and debit card.

In order to obtain a business ID, the business operator may report business information including a business name, a resident registration number or a business registration number, a business type, a payment deposit account, and a business authentication password in the business registration database of the bank and register a business affiliate.

In the issuing of the electronic check or the electronic card, the bank checks whether the information of the customer who requested the issuance matches the data stored in the bank's customer registration database, and then issues the electronic check or the electronic card. desirable.

The bank checks whether the information of the business operator who requested payment matches the data stored in the bank's business registration database in the step of examining the cash payment of the electronic check or the electronic card, and then examines the electronic check or the electronic card. It is desirable to.

Second Embodiment

2 illustrates a commerce relationship between a customer, a business operator and multiple banks.

In another embodiment of the present invention, in the Internet-based electronic commerce using the electronic checks and electronic cards between customers, operators and multiple banks, the customer pays the amount to the first bank and confirms his real name, Or requesting an issuance of an electronic card, issuing an electronic check or an electronic card to a customer according to the request, and the customer purchases the operator's ware from the operator with the electronic check or the electronic card. Or paying at a cost to use, requesting cash payment from the paid electronic check or electronic card to a second bank, and the second bank receiving the payment request from the first bank to the first bank. Presenting an exchange of money, the first bank storing the exchanged electronic check or electronic card in a check & card issuance database. Confirming whether or not the data match with the second bank, and confirming the exchange confirmation to the second bank; the second bank receiving the exchange confirmation notification notifying the operator of the payment review result; Issuing a receipt to the customer (if the card, the balance confirmation with the receipt), the first bank pays the amount of the electronic check or electronic card exchanged to the second bank and the payment review results The bank includes the step of paying the amount to the operator's deposit account.

In this embodiment, the method in which the customer pays the issued amount of the electronic check or the electronic card to the first bank is not processed in real time on the Internet, or the method in which the first bank confirms the real name of the customer is not complete. Otherwise, the first bank sends a receipt and password for the payment amount to the registered e-mail address of the customer who paid the amount, and the customer confirms his / her real name using the password to issue an electronic check or electronic card. It is desirable to be able to request.

In order to obtain a customer ID, the customer may register personal information including a customer name, a social security number or a business registration number, an e-mail address, a payment account and a customer authentication password in the customer registration database of the first bank.

The customer ID is preferably composed of a country code, a type code indicating the type of customer and a customer unique code.

It is preferable that the customer pays the issued amount of the electronic check or electronic card to the first bank using one of a deposit, a wire transfer, an account transfer, a giro, a CMS account transfer, a credit card, a prepaid card and a debit card. .

In order to obtain a business ID, the business operator declares business information including a business name, a social security number or a business registration number, a business type, a payment deposit account, and a business certification password in the business registration database of the second bank, and registers a business affiliate. desirable.

The first bank issues the electronic check or the electronic card after checking whether the information of the customer who requested the issuance corresponds to the data stored in the bank's customer registration database in the step of issuing the electronic check or the electronic card. It is desirable to.

The second bank checks whether the information of the business operator who requested payment in the step of receiving the cash check of the electronic check or the electronic card is identical to the data stored in the business registration database of the bank, and then, It is desirable to present an exchange of checks or electronic cards.

In the present invention, ware is defined as all products including goods, programs, software, content, data, gift certificates, membership rights, meal tickets, admission tickets, and usage rights.

1 illustrates a commerce relationship between a bank, a customer, and a business operator. The transaction process between them is as follows.

The customer deposits and sends money to the bank. The bank sends a receipt and password to the registered e-mail address of the customer making the deposit and remittance. The customer requests the bank to issue an electronic check or electronic card with the password. The bank issues an electronic check or electronic card upon request. The customer pays the issued electronic check or electronic card for the purchase or use of ware. The business operator who receives the electronic check or the electronic card requests a bank to pay the electronic check or the electronic card. The bank receiving the payment request checks whether the requested electronic check or electronic card matches the data stored in the check & card issuance database and sends a payment examination notice to the operator. The operator who receives the payment examination notice issues a receipt to the customer (in the case of a card, a balance confirmation with the receipt). The bank which sent the payment review notification sums the amount received by the period and pays it to the designated deposit account of the operator. However, if real-time payment is possible on the Internet and real name verification (confirmation of identity) is possible, it is possible to request issuance of an electronic check or an electronic card without going through personal identification by a password.

The process from the issuance of the Internet check and the Internet card to the settlement will now be described.

A ware provider (hereinafter referred to as a "business operator") via the Internet may use a business name, a social security number or a business registration number, a business type, a payment account, or a business certificate to an internet check and an Internet card issuing bank (hereinafter referred to as a "bank"). Report a password or the like and register a business affiliate in the business registration database to obtain a unique business name (hereinafter referred to as "business ID").

The documents required include a merchant application form, a business registration certificate, a copy of a bank account book, a seal (corporate seal), a resident registration copy (corporate registration copy), and a resident registration card. Business ID consists of country code + industry code (sales, sales agency, advertising, information service, adult goods-related business, etc.) + business-specific code.

After the customer comes to the bank and confirms his / her real name with his / her resident registration card, etc., the customer name (corporate name), resident registration number (business registration number), e-mail address, payment deposit account, customer authentication password, etc. are reported to the customer registration database, and then uniquely identified. Acquire a name (hereinafter referred to as "customer ID"). If registration details change, re-registration is required. In this case, it shall take effect after a prescribed period of time determined by the Bank.

The customer ID consists of the country code + the customer's type code (individuals, sole proprietors, corporations, public interest organizations, government offices, etc.) + customer unique code. It is advisable to promote the report or change report so that it can be accepted at the cooperating bank or the public office.

In order to request issuance of Internet checks or Internet cards (hereinafter referred to as "checks or cards") to be used on the Internet, the customer shall deposit the amount of the payment to the bank server together with information such as customer ID, wire transfer, account transfer, Giro, CMS Pay by bank transfer, credit card, prepaid card or debit card. After that, all transactions on the Internet are preferably carried out under the security system.

After verifying the customer ID of the paid amount, the bank server sends a receipt (account transfer certificate, deposit receipt, etc.) and a check or card issuing password to the e-mail address of the customer already registered in the customer registration database. The expiration date for a check or card issuance password is determined separately by the bank.

The customer fills in the password, customer ID, customer authentication password, social security number, e-mail address, etc. on the bank server on the Internet, and then checks or cards issued or limit amount, expiration date, payee ID, password (for Internet card use), Request a check or a card by specifying the region of use and the type of business.

However, if you are able to make a real-time payment on the Internet, such as if you have a mother account or have a bank credit card, and if you are able to verify your real name (verification of your identity), you will not need to verify your password. You can request a check or card.

Check or card issuance costs should be borne by operators that increase their profits by activating e-commerce through their distribution.

However, when requesting issuance of check or card by payment of other issued electronic money or debit card, the customer shall bear the fee, collection fee and double issue fee.

Since a payment method in which a customer pays a check or a card issuance amount to a bank varies, the customer may select a method of making a profit for the bank and operate a bonus score system that returns a percentage of the profit.

The bank server checks whether the information reported by the customer, such as the customer authentication password, matches the data stored in the customer registration database, and then indicates that it is a check or a card, the issuing bank symbol, the date and time of the issuance, the issuance number, the issued amount, Checks or cards consisting of letters, sentences, numbers, figures, symbols, passwords, etc., including valid date / time, minute, second, payee ID, restricted use area, restricted use industry, etc. shall be issued by banks on the Internet. The operation of the check or card issuer is delegated to the bank.

An Internet check is a check that specifies the amount of money issued. It consists of a check symbol, an issuing bank symbol, an issuance date and time, an issuance number, an issuance amount, an effective date and time, and an encryption code.

Receipt-recognized Internet checks are checks that specify the amount of payment and the beneficiary. It is composed.

Unspecified recipients of Internet checks specify the amount of money issued.The check can be used by the customer with the amount of money issued and the recipient ID.The check number, the issued bank symbol, the issued date and time, the issued number, and And a first free space portion to be described, a "issue limit", a second free space portion to describe the payee ID, "effective date and time", and a "password".

Internet card is a card that can be deducted a certain amount by confirming the password specified to the issuing organization when the card is issued to the business owner.The card symbol, the issuing agency symbol, the issuing date, and issuing It consists of a number, an issued amount, an effective date, a restricted area symbol, a restricted industry symbol, and a password.

The issuing bank symbol consists of the country code + bank specific code + branch code. The issuer symbol consists of the country code plus the agency specific code. Card issuers can be issued by banks, securities firms, department stores, airlines, oil companies, and Internet portal site operators.

Recipient ID can be written by the corresponding site operator ID on the Internet. In the case of unspecified payee checks, the second blank space for entering the payee ID is designated with the operator's country code or the industry code indicating the business type of the payee. It is also desirable to limit the use.

The limit of issuance amount, issuance limit amount, region of use, type of business and expiration date for each payment method is determined separately by the bank.

Issuance date, minute and second are effective based on bank time.

For loss, damage or any other reason, the customer may apply for the revocation of the check or card issued to the bank, and the refund may be made even after the expiration date or during the expiration date. However, whether or not to charge a fee is determined separately by the bank.

Refunds can be made for unpaid checks or for cards with a certain amount. However, whether or not to charge a fee is determined separately by the bank.

On the other hand, a customer who has issued a check or card from a bank server on the Internet sends this check or card to the operator's server at the operator's site on the Internet. (Ware is a commodity, program, software, content, data, gift certificate, membership card, meal ticket, admission ticket Is defined as any product, including, and paid for as a purchase or use.

The operator server requests the cash payment by presenting the check or the card to the bank server on the Internet. In the case of a card, a password is also sent.

The bank server receiving the payment request checks whether the information of the requested business operator matches the data stored in the business registration database and whether the check or card requested for payment matches the data stored in the check & card issuance database. In the case of a check, a payment check result notice is sent to the operator server. In the case of a card, a payment check result notice and a balance confirmation to be shown to the customer are sent. The operator server receiving the payment evaluation result notice issues a receipt to the customer in the case of a check, and a balance confirmation along with the receipt in the case of a card. Thereafter, the bank sums up the amount received in the fixed period and pays it to the designated deposit account of the operator. If there is an injustice of the operator between the time when the bank sends the payment examination result notice to the operator and the actual payment time, the customer may request the bank to hold the check or the cash payment.

Examine the transactions between Internet banks and transactions between multiple banks when customers and operators are registered in databases of different banks. 2 illustrates a commerce relationship between a plurality of banks, customers, and operators.

The customer first deposits and remits to the registered bank. Bank A sends a receipt and password to the e-mail address registered in the customer registration database. The customer requests the issuance of a check or a card from Bank A with the password. According to the request, Bank A issues a check or card to the customer. The customer pays the issued check or card to the operator at the site on the Internet for the purchase or use of the wear.

The operator requests the cash payment of the check or card received from the Registered Bank. In response to the payment request, Bank B presents Bank A with an exchange of the check or card. Bank A then confirms whether the check or card presented by Bank B matches the data stored in the Check & Card Issuance Database and notifies the exchange confirmation. Bank B, notified of the confirmation of the exchange, will send a notice of payment review results to the operator. The business operator who receives the payment evaluation result notice issues a receipt to the customer, but in the case of a card, a certificate of balance is issued together with the receipt. Then, when Bank A pays the exchange amount to Bank B, Bank B sums the amount received by the period and pays the amount to the business operator in the designated deposit account. However, if real-time payment is possible on the Internet and real name verification (confirmation of identity) is possible, a check or card can be immediately issued without going through personal identification by password.

Now let's take a look at the process of issuing and paying Internet checks and Internet cards at multiple banks.

Ware providers via the Internet (hereinafter referred to as "business") may be registered on the Internet check or Internet card paying bank (hereinafter referred to as "business registration bank") with a business name, social security number or business registration number, type of business, payment account, Report the business certification password, etc., and register the business affiliate to the business registration database to obtain a unique business name (hereinafter referred to as "business ID").

The documents required include a merchant application form, a business registration certificate, a copy of a bank account book, a seal (corporate seal), a resident registration copy (corporate registration copy), and a resident registration card. Business ID consists of country code + industry code (sales, sales agency, advertising, information service, adult goods-related business, etc.) + business-specific code.

The customer will appear at an Internet check or bank card issuing bank (hereinafter referred to as a "customer registration bank") to confirm his / her real name with a resident registration card, etc. And the customer authentication password, etc. are registered, and the customer unique identification name (hereinafter referred to as "customer ID") is obtained after registering in the customer registration database. If registration details change, re-registration is required. In this case, it shall take effect after a prescribed period of time determined by the Bank.

The customer ID consists of the country code + the customer's type code (individuals, sole proprietors, corporations, public interest organizations, government offices, etc.) + customer unique code. It is advisable to promote the report or change report so that it can be accepted at the cooperating bank or the public office.

In order to request issuance of Internet checks or Internet cards (hereinafter referred to as "checks or cards") to be used on the Internet, the customer shall deposit, remit, wire transfer, and deposit the amount of the payment to the customer registration bank server together with information such as the customer ID. , Payment by CMS account, credit card, prepaid card and debit card. After that, all transactions on the Internet are preferably carried out under the security system.

After confirming the customer ID of the paid amount, the customer registration bank server sends a receipt (account transfer confirmation, deposit receipt, etc.) and a check or password for issuing the card to the e-mail address of the customer who has already been registered in the customer registration database. The expiration date for a check or card issuance password is determined separately by the bank.

The customer enters the password, customer ID, customer authentication password, social security number, e-mail address, etc. in the customer registration bank server on the Internet, and then checks or cards issued or limit amount, expiration date, payee ID, password (for Internet card use) ), Ask for a check or a card.

However, if you are able to make a real-time payment on the Internet, such as if you have a mother account or have a bank credit card, and if you are able to verify your real name (verification of your identity), you will not need to verify your password. You can request a check or card.

Check or card issuance costs should be borne by operators that increase their profits by activating e-commerce through their distribution.

However, when requesting issuance of check or card by payment of other issued electronic money or debit card, the customer shall bear the fee, collection fee and double issue fee.

Since a payment method in which a customer pays a check or a card issuance amount to a bank varies, the customer may select a method of making a profit for the bank and operate a bonus score system that returns a percentage of the profit.

The customer registration bank server checks whether the information reported by the customer, such as the customer authentication password, is consistent with the data stored in the customer registration database, and then indicates that it is a check or a card; Checks or cards consisting of letters, sentences, numbers, figures, symbols, passwords, etc., including amounts, effective date and time, payee ID, restricted use area, restricted use industry, etc. shall be issued by banks on the Internet. The operation of the check or card issuer is delegated to the bank.

An Internet check is a check that specifies the amount of money issued. It consists of a check symbol, an issuing bank symbol, an issuance date and time, an issuance number, an issuance amount, an effective date and time, and an encryption password.

Receipt-recognized Internet checks are checks that specify the amount of payment and the beneficiary. It is composed.

Unspecified payees have a limit on the amount of money issued.The check can be used by the customer to list the amount issued and the payee ID.The check symbol, the issued bank symbol, the issued date and time, the issued number, and And a first free space portion to be described, a "issue limit", a second free space portion to describe the payee ID, "effective date and time", and a "password".

Internet card is a card that can be deducted a certain amount by confirming the password specified to the issuing organization when the card is issued to the business owner.The card symbol, the issuing agency symbol, the issuing date, and issuing It consists of a number, an issued amount, an effective date, a restricted area symbol, a restricted industry symbol, and a password.

The issuing bank symbol consists of the country code + bank specific code + branch code. The issuer symbol consists of the country code plus the agency specific code. Card issuers can be issued by banks, securities firms, department stores, airlines, oil companies, and Internet portal site operators.

Recipient ID can be written by the corresponding site operator ID on the Internet. In the case of unspecified payee checks, the second blank space for entering the payee ID is designated with the operator's country code or the industry code indicating the business type of the payee. It is also desirable to limit the use.

The limit of issuance amount, issuance limit amount, region of use, type of business and expiration date for each payment method is determined separately by the bank.

Issuance time, minute and second are effective based on the issuing bank time.

For loss, damage or any other reason, the customer may apply for the revocation of the check or card issued to the bank, and the refund may be made even after the expiration date or during the expiration date. However, whether or not to charge a fee is determined separately by the bank.

Refunds can be made for unpaid checks or for cards with a certain amount. However, whether or not to charge a fee is determined separately by the bank.

On the other hand, a customer who has issued a check or card from the customer registration bank server on the Internet, sends the check or card to the operator's server at the operator's site on the Internet (Ware is a commodity, program, software, content, data, gift certificate, membership, meal ticket, admission ticket). Pay as the cost of purchasing or using the product.

The business server presents the check or card to the business registration bank server on the Internet and requests cash payment. In the case of a card, a password is also sent.

The business registration bank server receiving the payment request checks whether the information of the business operator who requested the payment matches the data stored in the business registration database, and then presents the check or the card exchange to the customer registration bank server.

The customer registration bank server presented with the exchange checks whether the check or card presented matches the data stored in the check & card issuance database, and then confirms the exchange of the check or card with the business registration bank server. Notify.

Upon receiving the exchange confirmation notification from the customer registration bank server, the business registration bank server sends a payment check result notification for a check, a payment check result notification for a card, and a balance check to be shown to the customer. The operator server receiving the payment evaluation result notice issues a receipt to the customer in the case of a check, and a balance confirmation along with the receipt in the case of a card.

The client register bank then pays the business register bank the amount of the check or card exchanged for a fixed period. The business registration bank, which has received the above amount from the customer registration bank, sums the amount received in the fixed period and pays it to the designated deposit account of the business operator. If there is an injustice in the business between the time when the business registration bank sends the payment examination result notice to the business operator and the actual payment time, the customer may request the customer registration bank to withhold the cash payment of the check or card.

The present invention can be variously modified and can take various forms and only the specific embodiments thereof are described in the detailed description of the invention. It is to be understood, however, that the present invention is not limited to the specific forms referred to in the detailed description of the invention, but rather includes all modifications, equivalents and substitutions within the spirit and scope of the invention as defined by the appended claims. It should be understood to do.

The present invention described above has the following effects.

1. The development of computer technology allows the use of intangible intangible electronic checks and electronic cards in real life.

2. Since it is an intangible form, it does not have a fixed cost and therefore issuance cost is low.

3. Its low cost can contribute to the activation of e-commerce on the Internet.

4. A business operator can register a business ID, and a customer can cultivate commerce by registering a customer ID.

5. The cultivation of commerce can expose the source and movement of funds, which can block the emergence of voice funds.

6. Fostering commerce can contribute to fair taxation.

7. As a proof of payment, you can ask the bank for a transaction.

8. Country Code + Bank Unique Code + Branch Code, Country Code + Industry Code + Business Unique Code, Country Code + Type Code + Customer Unique Code can be used to construct a single worldwide model.

9. By enabling small transactions, operators can monetize the site, and by monetizing the site, the contents of the site can be induced and developed.

10. It is safe to send your password to your registered e-mail address and re-verify your identity by checking your password and customer authentication password when you check or issue your card.

11. You can designate the recipient and get a check.

12. If required by the customer, checks or cards may be issued specifying the restricted area or restricted industry.

13. Individuals may also receive checks and cards and request payment from the bank once the business operator has registered and acquired a business ID.

14. A business operator may also register and obtain a customer ID to receive a check and a card and pay it in cash.

15. Government agencies, public institutions, etc. can also use this system as customers or businesses.

16. Customers may frequently check the validity of checks and cards, transactions and balances.

17. If there is an injustice of the operator between the time when the Bank sent the operator the notification of the result of the payment review and the actual time of payment, the customer may dispute the payment.

Claims (27)

A check symbol indicating the type of the check; A bank symbol representing a bank issuing the check; An issue date symbol representing the issue date of the check; An issue number symbol representing an issue number of the check; An issue amount symbol representing an issue amount of the check; And It consists of a cryptographic symbol representing the cryptography of the check, the symbols are each made of letters, numbers, figures, symbols or a combination thereof, the shape is characterized in that used in the e-commerce based on the Internet , Internet check. The internet check according to claim 1, further comprising an expiration date symbol indicating an expiration date of the check. The Internet check according to claim 1 or 2, further comprising a payee ID for designating a payee of said check. The internet check according to any one of claims 1 to 3, wherein the bank symbol is formed by a combination of a country code, a bank specific code, and a branch code. The Internet check according to claim 3, wherein the payee ID is the same as the payee's carrier ID, and the service provider ID is formed by a combination of a country code of an operator, an industry code indicating an industry of the carrier, and an operator-specific code. A check symbol indicating the type of the check; A bank symbol representing a bank issuing the check; An issue date symbol representing the issue date of the check; An issue number symbol representing an issue number of the check; A first empty space for describing an amount of money issued for the check; An issue limit amount symbol representing the issue limit amount of the check; A second blank space for describing a payee ID of the check; And It consists of a cryptographic symbol representing the cryptography of the check, the symbols are each made of letters, numbers, figures, symbols or a combination thereof, the shape is characterized in that used in the e-commerce based on the Internet , Internet check. The Internet check according to claim 6, further comprising an expiration date sign indicating an expiration date of the check. The method according to claim 6 or 7, wherein the second blank space for specifying the payee ID is designated by the operator's country code or an industry code indicating the industry of the operator, thereby limiting the use area of the check in the corresponding country or Internet check which is characterized by limiting use of check by type of industry to say. The Internet check according to any one of claims 6 to 8, wherein the bank symbol is formed by a combination of a country code, a bank unique code, and a branch code. The method according to any one of claims 6 to 8, wherein the payee ID is the same as the payee's service ID, and the service provider ID is made by combining a country code of the service provider, an industry code indicating the industry of the service provider, and a company-specific code. It is characterized by Internet check. A card symbol indicating the type of card; An engine symbol representing an engine issuing the card; An issue date symbol representing an issue date of the card; An issue number symbol representing an issue number of the card; An issue amount symbol representing an issue amount of the card; And It consists of a cryptographic symbol representing the password of the card, the symbols are each made of letters, numbers, figures, symbols or a combination thereof, the shape is characterized in that used in the e-commerce based on the Internet , Internet card. The Internet card according to claim 11, further comprising an expiration date symbol representing an expiration date of the card. The Internet card according to claim 11 or 12, further comprising a usage limit zone symbol indicating a usage limit zone of the card. The Internet card according to any one of claims 11 to 13, further comprising a usage limitation industry symbol indicating a usage restriction industry of the card. 15. The institutional code according to any one of claims 11 to 14, wherein the institutional code is formed by a combination of a country code and an institution-specific code, and the institution includes a bank, a securities company, a department store, an airline, an oil refinery, and an internet portal site operator. Internet card which is characterized by. For Internet-based e-commerce using e-checks and e-cards between customers, operators and a single bank, The customer pays the amount to the bank, checks his real name, and requests the issuance of an electronic check or an electronic card; The bank issuing an electronic check or an electronic card to the customer according to the request; Paying, by the customer, the electronic check or the electronic card at a cost of purchasing or using a carrier's ware; Requesting a bank to pay a cash payment of the paid electronic check or electronic card to a bank; Confirming whether the payment matches the data stored in the check & card issuance database for the electronic check or the electronic card, and notifying the operator of the payment examination result; The business operator who has been notified of the payment review result and issues a receipt to a customer; And In accordance with the payment review results, the bank comprising the step of paying the amount to the operator's deposit account, Internet-based electronic checks and commerce method using an electronic card. 17. The method of claim 16, wherein if the method of paying the issue amount of the electronic check and the electronic card to the bank is not processed in real time on the Internet, or if the bank does not complete the method of verifying the real name of the customer, Receipt and password of the payment amount are sent to the registered e-mail address of the customer who paid the amount, and the customer can request the issuance of an electronic check or an electronic card by confirming the real name using the password. Characterized by the Internet-based electronic check and commerce method using an electronic card. 18. The personal information according to claim 16 or 17, wherein the customer includes personal information including customer name, social security number or business registration number, e-mail address, payment account and customer authentication password in the bank's customer registration database to obtain a customer ID. Registering, the customer ID is characterized in that made by the combination of the country code, the type code indicating the type of the customer and the customer unique code, the Internet-based electronic checks and commerce method using an electronic card. 18. The service provider according to claim 16 or 17, wherein the business operator reports business information, including business name, social security number or business registration number, type of business, payment account and business verification password, to the bank's business registration database to obtain a business ID. And characterized in that the registration of the business affiliate, commerce method using the Internet-based electronic checks and electronic cards. 18. The method of claim 16 or 17, wherein the bank checks whether the information requested by the customer in the step of issuing the electronic check or the electronic card matches the data stored in the customer registration database of the bank. Internet-based electronic check and commerce method using an electronic card, characterized in that issuing an electronic check or electronic card. 18. The method of claim 16 or 17, wherein after checking whether the bank checks the cash payment of the electronic check or the electronic card, whether the information of the business operator who requested payment matches the data stored in the business registration database of the bank. , Characterized in that the payment check for the electronic check or the electronic card, a commerce method using the electronic check and electronic card based on the Internet. In internet-based e-commerce using e-checks and e-cards between customers, operators and multiple banks, The customer pays the corresponding amount to the first bank, confirms his / her real name, and requests the issuance of an electronic check or an electronic card; The first bank issuing an electronic check or an electronic card to the customer according to the request; Paying, by the customer, the electronic check or the electronic card at a cost of purchasing or using a carrier's ware; Requesting, by a business operator, a second bank from the cash payment of the paid electronic check or electronic card; The second bank receiving the payment request presenting an exchange of the electronic check or the electronic card to the first bank; Confirming whether or not the first bank checks the electronic check or the electronic card with the data stored in the check & card issuance database to notify the second bank of the exchange confirmation; The second bank receiving the exchange confirmation notification notifying the operator of the payment review result; The business operator who has been notified of the payment review result and issues a receipt to a customer; The first bank paying the amount of the electronic check or electronic card exchanged to the second bank; And And a second bank providing the amount of money to an operator's deposit account in accordance with the payment review result. 23. The method of claim 22, wherein the method of paying the issued amount of the electronic check or the electronic card to the first bank is not processed in real time on the Internet, or the method of confirming the real name of the customer is not complete. Otherwise, the first bank sends a receipt and password for the payment amount to the registered e-mail address of the customer who paid the amount, and the customer confirms his / her real name using the password to issue an electronic check or electronic card. It is characterized by being able to request, Internet-based electronic checks and commerce method using an electronic card. 24. The method of claim 22 or 23, wherein the customer includes a customer name, social security number or business registration number, e-mail address, payment account and customer authentication password in the customer registration database of the first bank to obtain a customer ID. Registering personal information, the customer ID is characterized in that the combination of the country code, the type code indicating the type of the customer and the customer unique code, Internet-based electronic checks and commerce method using an electronic card. 24. The business information according to claim 22 or 23, wherein the business operator includes a business name, a resident registration number or a business registration number, a business type, a payment account and a business authentication password in the business registration database of the second bank to obtain a business ID. It is characterized in that the registration and registration of business operators, commerce method using the Internet-based electronic checks and electronic cards. 24. The method of claim 22 or 23, wherein the first bank checks whether the information requested by the customer in the step of issuing the electronic check or the electronic card matches the data stored in the customer registration database of the bank. Characterized in that issuing the electronic check or electronic card, a commerce method using the electronic check and electronic card based on the Internet. 24. The method according to claim 22 or 23, wherein whether the information of the business operator who requested payment in the step where the second bank is requested to pay the electronic check or the electronic card matches the data stored in the business registration database of the bank. And after the confirmation, present the exchange of the electronic check or electronic card to the first bank.