US 2003/0144955 A1Published application

Electronic payment system on internet and method the same

OwnerKwang-Chul Kiminventor

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Abstract

Disclosed are an electronic payment system on Internet and a method the same, which eliminate the need that a consumer's card information should be provided to shopping malls when purchase is carried out on web sites connected on line by setting an electronic payment engine, on which a form analyzing robot is mounted, in a client server and setting an electronic certification engine in a financial company server, extract fields corresponding to the amount of money requested during the certification and the payment by analyzing forms required to be inputted for the payment, perform the filling up by using the analyzed information about the fields required to be data-inputted and pre-stored data, and conduct the payment for the purchase by using varying in information, such as certification information.

Claims11

Dependent claims

An electronic payment system on Internet, comprising:

a client server having an electronic payment engine with an electronic program being set up, for requesting an authentication based on a code pre-assigned by a financial company at a point of settlement for a purchase through the Internet with a received authentication information being permitted as a settlement information, and transferring the settlement information and a delivery information with respect to a purchased product;
a financial company server having an electronic authentication engine for performing an authentication together with the electronic payment engine on line through the Internet, wherein the electronic authentication engine checks whether or not the authentication is permissible upon receiving the authentication request from the client server and transfers an authentication information to the pertinent client server;
and
a web site operating server for realizing an electronic commerce through the Internet, requesting to the financial company server whether the settlement is verified based an the settlement information transferred from the client server, forwarding an order confirmation document in relation to the settlement verified product to the client server, and outputting a delivery information.

1 more element

An electronic payment method on Internet for the purpose of realizing an electronic commerce between a client server, a web site operating server and a financial company server, which are connected through Internet, the electronic payment method comprising the steps of:

searching, in the client server, products selling in the web site operating server and selecting a settlement by a client, and outputting a settlement screen of a predetermined form for the settlement;
requesting, in the client server, an authentication for a settled amount of money to the financial company server by using a tray driven by an electronic payment engine in which such an information as a consumer personal information, a delivery information, and a settlement code information pre-assigned by a financial company are registered;
transferring, in the financial company server, an authentication information with respect to the authentication request to the client server;
transferring, in the client server, an order information to the web site operating server by means of the tray with the authentication information as a settlement information;
requesting, in the web site operating server, a settlement verification based on the authentication information transferred from the client server to the financial company server;
transferring, in the financial company server, an information, which has been settlement-verified after being inquired about, upon receiving the settlement request;
and
forwarding, in the web site operating server, an order confirmation document and a delivery information to the client server and the delivery company server after receiving the settlement verified information.

5 more elements

Dependencies are inferred from the claim text.