Method and apparatus for implementing real-time electronic commerce using electronic banking system

摘要

The present invention relates to a method and apparatus for implementing a real-time electronic commerce using an electronic banking system and is characterized by the fact that all the commercial deals are closed in real time by transferring money through the bank accounts without disclosing information on the payment means of the customers to the contracting parties concerned with the deal. The invention comprises a step of receiving an order input of a product from the purchaser, a step of generating an order administration code indicative of the order input, a step of receiving an money tranfer input information for payment through internet banking lines, and a step of confirming the bank credits of the purchaser by use of the electronic inquiry service of the banks. Exposures to risk inherent in the conventional electronic commerce are generally removed.