BACKGROUND ART Payment settlement system on electronic commerce is a system for safely and rapidly processing the payment settlement by using PC communication, ATM, and internet in conventional cash payment settlement system better. The system reduces possession of cash and avoids the restrictions of space and time, so that the system is rapidly spread by development of information communication technology and increase of use of the internet.

The conventional payment system is divided into 1) a credit card settlement system, 2) electronic cash payment settlement system, 3) electronic check payment settlement system, and 4) cyber bank. The above payment settlement system is described in detail as follow.

1) The credit card settlement system is easily established by using existing credit card settlement network. However, the credit card settlement system is inconvenient for inputting the credit card

possessor's personal information and/or information about the credit card itself whenever the transaction is accomplished. Moreover, the system has drawbacks for preventing credit card number from exposing to the seller and use of stealth for the credit card number due to hacking, and for bearing high cost when uses the credit card.

2) The electronic cash payment settlement system is divided into a network-type and IC card payment settlement system. The development of the network-type electronic cash payment settlement system become sluggish by difficulty for exchanging value with real current and inactive service for a small amount payment. Moreover, the network-type system has burden to develop whole system for paying the electronic cash.

The IC card-type electronic cash payment settlement system can be integrated with different payment card such as the credit card and the direct-payment card and can serve as a multi-purpose card since the IC card-type system has an excellent stability. However, the IC card-type system is complicated and has a problem for distribution of profit between participated cooperation, so that the IC card-type system is used only as a traffic card and an advance payment card.

3) Though the electronic check settlement system accomplished the check system in used in the real world, is restricted to user having a credit account of a bank. Moreover, the identity certification for publisher and receiver should be checked.

4) There are SFNB, Net Bank, TeleBank, CYBank, and egg in pure cyber banks. These cyber banks are serviced only to a wired payment, a

loan service, and a credit card service through the internet by performing the process by the existing commercial banks.

Therefore, it is required to accomplish infra for the pure cyber bank overcoming the disadvantages in the conventional electronic payment settlement system.

DISCLOSURE OF INVENTION It is an object of the present invention to provide a cyber bank internal integrated affair processor and a cyber bank payment settlement affair processor for voluntarily and effectively coping with respect to variety of demands and needs for the internet-based electronic commerce, so that supports a payment settlement, that is, to a seller who has profession in service on the internet, in carries on with low cost without any equipment or device.

According to the feature of the present invention, purchaser using a charge service can pay the charge for credit in safety by simple manipulation.

According to another feature of the present invention, the conventional commercial bank can save the cost to be required for managing an account and manage the deposit money in safety.

BRIEF DESCRIPTION OF THE DRAWINGS The above object and other features of the present invention will be clarified by the following description with the attached drawings, in

which : FIG. 1 is a knowledge map of process according to the present invention ; FIG. 2 is a flow chart of a cyber bank according to the present invention ; FIG. 3 is a schematic drawing of the present invention ; FIG. 4 is a structural drawing of 3-layer client/server of the present invention ; FIG. 5 is a detail drawing of a cyber banking and payment settlement system according to the present invention ; and FIG. 6 is an internal block diagram of a WEB-server, application server, and an RDBMS of the present invention.

BEST MODE FOR CARRYING OUT THE INVENTION A banlERP (Electronic Resource Planning ; called an entire resource management of an enterprise) system process applied to a cyber bank of the present invention has a process, which is representative feature of the present invention, to process information for account and management in accordance with to one occurred process by inputting the information, the process is called OPOI (One Process One Input). Here, the BankERP means an enterprise re-engineering management method for maximizing productivity of the enterprise by re-constructing a variety of management resource such as man power and funds covering productivity, materials, sales, personal management, and account of the

enterprise.

In other words, since the bank position is to deposit property of a customer in a case of receipt of a customer,"Dr) cash/Cr) deposit" processor and information of the customer is processed by one-time input.

Here, the Dr is abbreviation of Debit Resource, and identifies a debit resource or payment resource, the other, that is, the Cr is abbreviation of Credit Resource and means a credit resource or deposit resource.

Moreover, if cash is transferred from an account of customer A to an account of customer B,"Dr) deposit of customer A/Cr) deposit of customer B"processor and information of the customers are input and processed at one time. By introducing this concept, a process, which is directed to client (customer) and profit, is applied. In a view of management reform, the process is applied. On the basis of accounting process, each business affair process can be expanded and applied step by step in the business affair. Moreover, the number of times of the transaction is remarkably reduced by means of process integrating and simultaneously processing the account system and information system.

Thus, an open system of excellent expansion and connection is accomplished by designing and applying a process that is able to link to the conventional process, when new business affair is developed.

There are a variety of bank process such as deposit of the traditional receipt/payment type process, loan process, an import/export process, a

fund process, and head/branch office process. The bank process is rough divided into a receipt/payment type general deposit process having a deposit and a process having due date. The process with due date has a time fixed deposit, a time fixed installment deposit, a variety of loan, an import, an export, and funds. In the BankERP system to be applied to the cyber bank, input between the processes is performed by substituted process, the BankERP system is a process that the input is input together with the related information, that is, one process is input at one time.

FIG. 1 is a knowledge map of a process according to the present invention, which depicts the kinds of business affair accomplished by the process of the present invention. The detail description follows.

Most of the bank process is carried out simultaneously with contacting a customer at a counter by issuing a slip, that is, a process is advanced so the process is divided as follows.

A-type : deposit transaction with an account, a separated deposit, a head/branch offices, loss/profit, and expenses B-type : a time fixed deposit, loaning, fund C-type : import, export, remittance to abroad D-type : a time fixed installment deposit, a mutual savings account E-type : a trust business X-type : a settlement adjustment process not included in the above type processes Hereinafter, how to apply the BankERP system to be applied the cyber bank as detailed examples of the above type processes will be

described.

Example 1) the following process is occurred when a customer draws 100, 000 won as a cashier's check from his/her ordinary deposit.

Dr) ordinary deposit (A-type) 100, 000/Cr) separate deposit (A-type) 100, 000.

The above process processes the account together with the information by drawing the customer's deposit simultaneously with the cashier's check number by using one time input process.

Example 2) the following process is occurred when customer A transfers 100,000 won from his/her saving deposit to an ordinary deposit of customer B by cash.

Dr) 100, 000 of saving deposit (A-type) of customer A/Cr) 100, 000 of ordinary deposit (A-type) of customer B The above process processes drawing from the saving deposit of the customer's deposit, payment to the ordinary deposit of the customer B, and information at one time on an A-type screen by one time input process.

Example 3) the following process is occurred when customer A draws 100, 000 won from his/her ordinary deposit and pays the drawn money into a time fixed deposit.

Dr) 100, 000 of ordinary deposit (A-type) of customer A/Cr) 100, 000 of time fixed deposit (B-type) of customer B In the above process as described, drawing from the ordinary deposit of customer A, payment to the time fixed deposit of customer A,

and the customer's information are processed on an opening screen of the B-type time fixed deposit at one time by means of one time input process.

Example 4) the following process is occurred when customer A draws 100, 000 won his/her time fixed deposit with expired date and pays the drawn money into his/her ordinary deposit.

Dr) 100, 000 of time fixed deposit (B-type) of customer A/Cr) 100, 000 of ordinary deposit (A-type) of customer A In the above process as described, drawing from the time expired time fixed deposit of customer A, payment to the ordinary deposit of customer A, and the customer's information are processed on a cancellation screen of the B-type time fixed deposit at one time by means of one time input process.

Example 5) the following process is occurred when customer A is loaned with 100, 000 won from a bank and pays the loaned money into his/her ordinary deposit.

Dr) 100, 000 of time fixed deposit (B-type) of customer A/Cr) 100, 000 of ordinary deposit (A-type) of customer A In the above process as described, loaning of customer A, payment to the the ordinary deposit of customer A, and the customer's information are processed on a B-type loaning screen at one time by means of one time input process.

Example 6) the following process is occurred when customer A repays is the loaned money 100, 000 won together with its interest

through his/her ordinary deposit.

Dr) 110, 000 of ordinary deposit (A-type) of customer A/Cr) loaned money 100, 000 (B-type)/10, 000 of loss/profit income interest (A-type) In the above process as described, repayment for the loaned money of customer A and its interest which are automatically estimated, drawing of the estimated money from customer A's ordinary deposit, and his/her information are processed on a B-type repayment screen at one time by means of one time input process.

Consequently, in the A-type processor, all processes of the A-type process, B-type process, C-type process, D-type process, E-type process, and X-type process and substituted process are performed. Mutual substituted process between the B-type process, C-type process, D-type process, and E-type process does not performed while the A-type process and it substituted process are performed. In the X-type process, the A- type process, X-type process and its substituted process are performed.

FIG. 2 shows a flow chart of a cyber bank in internet electronic commercial trade according to the present invention, the flow chart will be described in detail as follows.

Firstly, a cyber banking process for electronic commercial trade on internet includes a seller such as a shopping mall cooperation which services a charged service business on internet, a purchaser who uses the charged service, a conventional commercial bank supporting money transferring, and an enterprise managing a cyber bank. The function of the elements of the cyber banking process follows.

1) A cyber bank enterprise 21 : constructing a server, a database (DB), and a network necessary in a cyber bank for management.

Opening an account according to request of seller and/or purchaser and substituting payment settlement of the transaction charge occurred on the internet for the seller and the purchaser. Moreover, the cyber bank enterprise 21 resolves security and authentication of the system by being insured, installing prevention, and incoding technology, so that provides convenience, safety, and confidence for the site. Opening an account in the name of a company so that supports payment/drawing of cash for the user rapidly and safely. Checking whether the remainder at the account of the conventional commercial bank corresponds with sum of remainder at each account of the cyber bank so as to prevent accident and rapidly solve the accident. For safety management of the deposit cash in the account, contracting with the commercial bank for fund management.

2) A seller 22 of charge service : Opening an account at a cyber bank for payment of charge of goods of a purchaser and requesting the cyber bank to pay the cash which cost in accordance with the contract is excluded after a predetermined time lapsed.

3) A purchaser 23 using the charge service : The purchaser opens an account at the cyber bank to pay the charge for good he/she bought and pays cashes. The payment carried out by transferring the cashed to the conventional commercial bank, payment without a bankbook, and a home banking. After payment, he/she informs the fact to the cyber bank.

Drawing chases, he/she requests the cyber bank to transfer cashes to the

account at the conventional commercial bank by means of transferring fund.

4) A conventional commercial bank A 24 and ordinary commercial bank B 25 supporting to transfer cashes : Supporting the payment/drawing cashes to/from the account at the cyber bank which is opened by the contract, managing the deposit fund so safe that gives safety and confidence of the cyber bank.

The above affair flow is described in detail as follows.

1) The purchaser and the seller contact with the cyber bank and open accounts at the cyber bank.

2) The purchaser pays or transfers cashes to the ordinary bank A, and informs the fact to the cyber bank. The ordinary bank A checks the payment and informs the fact to the cyber bank.

3) The purchaser requests the charge service company to buy or to allow use of the service through the internet.

4) The purchaser orders to buy goods or requests to pay the cost for the goods to the cyber bank.

5) The cyber bank transfers the cost for the goods or the service from the purchaser's account to the seller's account, then informs the fact that the cost has been paid.

6) The seller delivers the goods to the purchaser or allows the purchaser to use the service.

7) The seller requests for transferring cashes from the account at the cyber bank to the account at the ordinary bank A or the ordinary bank B.

8) The purchaser requests for transferring cashes from his/her account at the cyber bank to the seller's account at the ordinary bank A or the ordinary bank B.

9) The cyber bank requests the ordinary bank A for transferring cashes from the account at the cyber bank to the seller's or the purchaser's account at the ordinary bank A or the ordinary bank B in accordance with the request by the seller or the purchaser.

10) The ordinary bank A transfers cashes to the seller's or the purchaser's account at the ordinary bank A or the ordinary bank B in accordance with the request by the cyber bank.

11) The ordinary bank A reports the cyber bank the detail with respect to the transaction of the account at the cyber bank day by day.

The cyber bank compares the remainder of the detail with summation of whole accounts at the cyber bank and checks whether the remainder corresponds with the summation.

FIG. 3 schematically shows respective functions required to construct the cyber banking process and the payment settlement by blocks, the functional blocks are divided into client management system 31, an account management system 32, a receipt management system 33, a credit system 34, a foreign exchange system 35, a foreign remittance system 36, a fund system 37, and a management information system 38 for a various management information and an external report. The functions of the respective systems are described in detail as follows.

1) The client management system 31 : being divided into a profit

table by each client, a result table for trading foreign exchange, a bad business acquaintance management, and CMF system.

2) The account management system 32 : being divided into a balance sheet, a profit-and-loss statement, a settlement, and a cost management system.

3) The receipt management system 33 : being divided into deposits, a separated deposit, a time fixed deposit, and a foreign currency deposit system.

4) The credit system 34 : being divided into the won (currency), loaned money by foreign currency, a payment guarantee, a credit limit management, and a mortgage management system.

5) The foreign exchange system 35 : being divided into an import system and an export system.

6) The foreign remittance system 36 : being divided into an OUTWARD, an INWARD, and an exchange affair.

7) The fund system 37 : being divided into won currency funds, a foreign currency funds, securities, a FORWARD, a SPOT system.

8) The management information system 38 : being divided into a funds management, a profit management system, and various reports.

The functions of the principle systems among the above systems are described in detail as follows.

1) The account management system 32 is classified into an account management system and a cost system into large group. A module of the balance sheet of the account management system is comprised of a

management of balance, a mean balance management, and a writing of the balance sheet (balance and mean balance). A module of the profit- and-loss statement is comprised of a monthly profit-and-loss statement, a profit-and-loss comparison, and a module of writing a profit-and-loss statement. A module of cost of the cost management system is comprised of a module of an estimate of cost and a module of execution result.

2) The receipt management system 33 : The deposit system is comprised of modules of opening, canceling, querying, payment/drawing and remainder of each account, estimation for paying interest, management a bankbook, and settlement of account of an ordinary deposit, a savings deposit, a checking account, and a company free deposit. The separated deposit system is comprised of modules of the management of account, the management of interest to be paid, the management of due date, an automatic interest-bearing of interest, and settlement. Moreover, the foreign currency deposit system is comprised of modules of a resident, a resident alien, adjustment of a bankbook, and settlement.

3) The credit system 34 : The won/foreign currency loaning system of the credit system is comprised of modules of opening, withdrawal, query, REPAYMENT schedule of the loaned money, a management of overdue loan, and external report for the loaned money. The payment guarantee system is comprised of modules of opening, withdrawal, query, management of due date, and external report for the payment guarantee.

The credit limit management is comprised of modules of management for credit limit of each client, and external report. The mortgage management system is comprised of modules of state of mortgage for credit and management for due date.

4) The foreign remittance system 36 : The OUTWARD system is comprised of modules of delivering foreign currency and diary for payment with exception of foreign trade. The INWARD system is comprised of modules of unpaid foreign currency and diary for import with exception of foreign trade. The exchange affair system is comprised of modules of an OURBOOK, THERIRBOOK, reports of exchanging affair, and a detail of DIFFERENCE AMOUNT.

5) The foreign exchange system 35 : The foreign exchange system is comprised of an import system and an export system in large group. An L/C advice module of the export system is comprised of modules of writing a cover letter, writing a cover letter for ordering, management of CHARGE, and management of external report data. A negotiation module is comprised of writing a bill cover letter, management of payment, management of last date, management of state of credit, and management of external report data. An I/L module of the import system is comprised of modules of management of CHARGE for International Trade Association, due date, remainder for issuing L/C, and management of external report data. An L/C module is comprised of module of management for H/S codes, due date, local L/C, and management of external report data.

6) The fund system 37 : The fund management system is comprised of management systems of won currency funds, a foreign currency funds, and securities. A dealing system is comprised of a module of a FORWARD SPOT.

FIG. 4 is a view which schematically depicts the system for accomplish the cyber banking system according to the present invention on the internet.

As shown in FIG. 4, the present invention is 3-layer client/server structure, SEED 128-bit incoding algorithm, RSA 1024-bit key transferring algorithm are adopted as a security system, a database adopts a RDBMS (Related database Management System), UNIX, WINDOWS, WINDOWS NT, and WINDOWS 98 are adopted as an operating system, the explorer is adopted as a web-browser.

Programmable language utilized ASP, PHP, CGI, C, PRO C, JAVA, and COBOL. Moreover, 1-layer of the 3-lay client/server is easily contacted by a user using a web-browser, 2-layer thereof allows that the user safely uses the system of the present invention due to a web-server, a web-gate, a web-service broker, a prevention and securities, applications (software) are executed in a financial application server, and 3-layer thereof stores all data of users in the form of database by means of RDBMS.

FIG. 5 is a detailed view of the cyber banking and payment settlement system according to the present invention in FIG. 4, and shows the connection of a user having a connecting tool for contacting an internet with a server of the present invention in detail. As shown in

FIG. 5, the cyber banking and payment settlement system according to the present invention is comprised of a user internet connecting tool 51 having a web-browser for contacting the internet network 59 on wire/wireless by using a TCP/IP protocol and displaying a web-page sent from the server ; a web-server 52, connected with the user's internet connecting tool 51 through the internet network 59, for sending/receiving information data, sending web-pages for cyber banking payment settlement to the user's internet connecting tool 51, and having a web-gateway for processing authentication and security of the user and a distributed service ; an application server 53, connected with the web-server 52, for transferring account of the user and querying information the account of the user ; a RDBMS 54, connected with the application server 53, for storing data, user's registration information, and transaction information which the web-server manages ; intranet connecting tool 56 of internal users'being connected with the web- server 52 and the application server 53, sharing and processing information which is processed by the web-server 52 and the application server 53 ; an internet connecting tool 57 of a seller, connected with the web-server 52 through the internet network 59, for opening an account for paying cost for goods of the user through the web-server 52, receiving transaction detail information of the user from the web-server 52, and requesting the web-server 52 payment for the goods in accordance with the transaction detail information after a predetermined time lapsed ; and an internet connecting tool 58 of an affiliated bank

being connected with the web-server 52 through the internet network 59 and having a solution for executing payment/drawing of the purchaser/seller in accordance with request of the web-server 52.

FIG. 6 is an internal block diagram of the web-server 52, the application server 53, and the RDBMS 54. The function of the blocks is described in detail as follows.

1) A certification block 52b (soft Forum Certificated Authority) The certification block allows the user to powerfully prove himself/herself by issuing a digitalized certificate to the user, and to enable checking of dis-formation of data and preventing denial for transaction by realizing electronic signature based on the certification, so that provides firm reliability for the electronic trade based on the internet.

2) Information Database 54a Explanation, data, and Q/A data required in operation for the cyber bank payment settlement system are stored.

3) Database for membership information and transaction information 54b The user's registration information, seller's registration information, the transaction detail of the user, and the detail of purchase at the cyber bank payment settlement system are stored.

4) Transaction charge information database 54c Normal detail or abnormal detail of the detail for payment, transferring and refund of the user is stored, and daily transaction data such as detail of schedule for cash changing detail for selling of the

purchaser and information for cost.

5) Transferring deposit block 53a This is a block for transferring cashes from the account of the cyber bank to the user's account or transferring cashes from the account of the affiliation bank of the user to the account of the cyber bank. Transferring between the accounts of the cyber bank, for example, this block can be applied when cashes is transferred from an account of a user at the cyber bank to another account of another user at the cyber bank. Request for refund of the user, this block is used to adjust settlement by transferring cashes from the cyber bank to the ordinary bank, and transferring remainder at the cyber bank of the purchaser to his/her account at affiliation bank, and executes refund for the account of the user at the cyber bank.

6) Account information query block 53b This is a block for querying the detail of the transferring deposit block, and the detail and remainder of the transaction by period.

Description for A server program section 52a, a distributed service gateway 52d, a web-transit 52c, and web-pages, which are illustrated in drawings but not-described in the detailed description, are omitted since they are accomplished by conventional technology.

By utilizing the cyber bank internal integrated affair processor and a cyber bank payment settlement affair processor according to the present invention, a seller who manages a charged service on the internet, may provide the settlement for charge with low cost without any equipment

or device, while the purchaser using the charged service may also pay the charge for using the charged service by simple manipulation.

According to the present invention, the conventional commercial bank can save the cost to be required for managing an account and manage the deposit money in safety.

Although the preferred embodiment of the present invention has been described, it will be understood by those skilled in the art that the present invention should not be limited to the described preferred embodiment, but various changes and modifications can be made within the spirit and scope of the present invention as defined by the appended claims.