CN1437144A - Method and system of electronic business - Google Patents
Method and system of electronic business Download PDFInfo
- Publication number
- CN1437144A CN1437144A CN00129707A CN00129707A CN1437144A CN 1437144 A CN1437144 A CN 1437144A CN 00129707 A CN00129707 A CN 00129707A CN 00129707 A CN00129707 A CN 00129707A CN 1437144 A CN1437144 A CN 1437144A
- Authority
- CN
- China
- Prior art keywords
- payment
- gateway
- businessman
- transaction
- unions
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Images
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
- G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/29—Payment schemes or models characterised by micropayments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Engineering & Computer Science (AREA)
- General Physics & Mathematics (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- Strategic Management (AREA)
- Theoretical Computer Science (AREA)
- Finance (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Computer Security & Cryptography (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
An e-commerce system includes a merchant computer system and has home page on the Internet, an order statement form is on the home page. A buyer is connected to the home page of the merchant, the buyer demands purchase or service by inputting article purchase information to an order statement form on the home page and when the transaction is approved, the article is purchased. The payment gateway provides the order statement form to the shop, receives the order information of the buyer inputted to the shop and demands the transaction approval of the buyer and when the transaction is approved, the transaction is closed. The financial network receives the transaction approval demand of the payment gateway and the order information of the buyer, confirms the order information of the buyer, determines whether or not the transaction of the buyer is to be approved and transmits the approved result to the payment gateway.
Description
The present invention relates to a kind of e-commerce system and move the method for this e-commerce system, especially, the present invention relates to a kind of e-commerce system, when in the Internet enterprising do business product or the service e-commerce transaction the time, it can improve the network environment between businessman and the financial institution.
Along with the worldwide expansion rapidly of the computer network of for example the Internet, obtained development widely based on the e-commerce system of this type of network.Ecommerce based on the Internet all has lot of advantages for businessman and client, client's free choice of goods at home or service, and the businessman need not tangible facility can vending articles or service.However, but the ecommerce that is based on the Internet also comprises some problems, may leak as buyer's personal information, and business transaction safety can not be guaranteed.Especially, when the buyer should use for example means of payment such as credit card or bank transfer, when paying, require the payment and settlement between businessman and credit card company or bank to carry out effectively for the commodity of its order or service.
Fig. 1 is the process flow diagram of the e-commerce transaction on the Internet in the prior art;
As shown in Figure 1, e-commerce transaction is set up by client 1, businessman 2, payment gateway 3, value-added network (VAN) 4 and financial institution 5.
Be in operation, as shown in Figure 1, client 1 operates web browser on the personal computer of oneself, be connected to businessman 2 server by the Internet, and on web browser, read businessman 2 homepage, send the request of buying commodity or service, show the information (S1) of the commodity of credit card information, payment and settlement information and order simultaneously.
At the means of payment is under the situation of credit card, and payment gateway 3 transmits based on the payment authorization request of credit card and gives VAN4 (S3).VAN4 distinguishes the financial institution that represents this client to bear obligation for payment, and sends the payment authorization request to relevant financial institution 5 (S4).
Financial institution 5 returns payment authorization and responds to VAN4 (S5), and VAN4 then returns this response and gives payment gateway 3 (S6).
Financial institution 5 pays to businessman 2 or payment gateway 3.Under latter event, payment gateway 3 deducts service fee from the number of payment, and remaining number is sent to businessman 2 (S11-1).Directly receive under the situation of payout from financial institution 5 businessman 2, businessman 2 is to payment gateway 3 payment services expenses (S11-2).
Thereafter, financial institution 5 is to client's 1 request current transaction of payment (S12), and client 1 is to financial institution's 5 payment respective number, and e-commerce transaction this moment finishes (S13).
Work relationship between businessman and the payment gateway and the problem that wherein runs into will be discussed now in above working procedure.
Payment gateway is according to dividing the date of payment of service fee, service fee or the financial institution of joining.Because financial institution and a plurality of payment gateway that client authorizes carry out business, businessman 2 also should join a plurality of payment gateways, to conclude the business with the client of some on the Internet.Further, each payment gateway provides protocol interface to use (API) independently, and it is interface between storage and payment gateway, and the businessman uses API to make the transaction solution.But, since API along with each payment gateway difference, like this for the businessman,, just have many problems in making with during the managing transaction solution.
Fig. 2 shows the execution step based on the e-commerce transaction of the Internet as shown in Figure 1, and wherein client receives API and uses from gateway.
But above working procedure comprises several problems.For example, when businessman 2 utilized API that payment gateway 3 provides to make solution, the time of required making solution was just long.Further, it is also very difficult to make the solution be well suited for the environment relevant with the businessman.
By contrast, provide under the situation of this solution at payment gateway 3 or a third direction businessman 2, for the businessman, the cost burden of introducing solution is just overweight.Further, because businessman 2 is served by a plurality of payment gateway, it will introduce suitable solution from each payment gateway, and use different solutions in each transaction.And because API offers businessman 2 by payment gateway, businessman 2 solution just is difficult to expand apace and improve function.
That is under the environment of international e-commerce transaction, some problems have appearred between payment gateway and businessman.
Fig. 3 is the process flow diagram according to the international e-commerce transaction of another prior art.
As shown in Figure 3, the client 1 of A state is connected to the businessman 2 of B state by the Internet, and buys the commodity of needs from businessman 2.Payment authorization and clearing are set up by the payment gateway 3 of B state, the VAN4 of B state, the financial institution 5 of B state and another financial institution 6 of A state.
The client 1 of A state uses web browser to be connected to the businessman 2 of B state by the Internet on its personal computer, reads the form of purchase order on businessman's homepage.Client 1 then fills in the purchase order form with the information of credit card information, settlement information and order goods, and the goods (S21) of wishing is bought in request.
Businessman's server 2 of B state is to the payment gateway 3 request payment authorizations (S22) of B state.At this moment, the payment gateway 3 of the businessman's 2 of B state computer system and B state is by TCP/IP network service.
The payment gateway 3 that at instrument of exchange is B state under the situation of credit card is to the payment authorization (S23) of the VAN4 of B state request based on credit card.The financial institution that represents client 1 to bear obligation for payment is distinguished in the network service of the financial institution of the VAN4 of B state and A state and B state, and the payment authorization request is sent to the financial institution 6 (S24) of relevant A state.
The client's 1 of A state payment authorization request is authorized or refused to financial institution 6 decision of A state whether, and return payment authorization and respond VAN4 (S25) to B state.
The VAN4 of B state then returns the payment authorization response payment gateway 3 (S26) of B state.The payment gateway 3 of B state sends to the payment authorization response that receives the businessman 2 (S27) of B state.
Authorize in this response under the situation of requested payment authorization, the businessman 2 of B state and the client 1 of A state conclude the business, and send receipt (S28) by Email or mailing to the client 1 of A state.
The businessman 2 of B state is to the payment gateway 3 requests transaction payments (S29) of B state.
The payment gateway of B state transmits the VAN4 (S30) that B state is given in the payment and settlement request, and the VAN4 of B state then sends this request to the financial institution 5 (S31) of B state.
After receiving the payment and settlement request, the financial institution 5 of B state to the payment gateway 3 of B state or directly to the businessman 2 of B state carry out transaction payment (S32-1, S32-2).
Receive that at the payment gateway 3 of B state payment gateway 3 is deducted service fee under the situation of number of payment from this number, and remaining number is sent to the businessman 2 of B state simultaneously to the VAN of B state payment services expense.On the contrary, directly receive under the situation of payout from the financial institution 5 of B state the businessman 2 of B state, businessman 2 is to the payment gateway 3 of B state and the VAN4 payment services expense of B state.
After transaction payment, on behalf of the client 1 of A state, the financial institution 5 of B state bear financial institution's 6 request clearing payout (S33) of obligation for payment to A state.
The pay clearing (S34) of number of the financial institution 6 of A state and the financial institution 5 of B state.
Thereafter, the financial institution 6 of A state is to client's 1 requests transaction payment (S35) of A state.The client 1 of A state carries out transaction payment to the financial institution 6 of A state.
Only provide under the situation of B state to the businessman 2 of B state the client 1 of A state as the bank transfer of means of payment circulation or small amount payment (micro-payment), the businessman 2 of B state is to the payment gateway request payment authorization of B state, and the payment gateway of B state sends this payment authorization request to B state relevant bank or company.
The bank of B state or company are by their database of retrieval, and authorization requests is authorized or refused to pay to decision whether, and return the payment authorization response to the payment gateway of B state.The payment gateway of B state transmits the businessman that B state is given in this response.Under the situation of this response to payment authorization, the businessman of B state sends receipt by WWW (worldwide web) or Email to the client of A state, and concludes the business with client.
The businessman of B state is to the payment gateway requests transaction payment of B state.
The payment gateway of B state transmits the settlement of transactions request to the bank or the company of B state.
Have oneself the bank of the means of payment or company to the payment gateway of B state or directly carry out transaction payment to the businessman of B state.
The bank of B state or company directly to the client of A state or the financial institution by A state, settle accounts with regard to the payout request.In this case, the bank of B state or company can receive the currency of the client of A state for various purpose storages in advance.
Be similar to above international e-commerce transaction and have following problem.
At first, all there is its different intrinsic bank network environment in each state, and for the payment gateway of a state, the solution that the many national different bank network environments of good adaptation are provided is very difficult.
The second, comprise such trade mode based on the international ecommerce of the Internet, promptly commodity are sent to foreign country, and the payment of respective number is carried out home.This trade mode is under existing worldwide commercial law, and being difficult to regard as is a kind of outlet form.For example,, showing under the situation of the letter of credit (L/C) or post parcel receipt, just can be considered to outlet to the merchandise sales of foreign country to the official that is responsible in Korea S.Under the situation of international ecommerce, because the item of trouble is difficult to obtain this kind identification.This just means that international ecommerce can not obtain to give the advantage of the tax reduction under the export situation.
One of purpose of the present invention is to provide has the e-commerce system of business environment easily.
Another object of the present invention is to provide a kind of e-commerce system, and wherein the businessman has consistent transaction solution with a plurality of payment gateways on the Internet.
Of the present inventionly more advance a purpose and be to provide a kind of e-commerce system, it can adapt to the different financial environment in various countries well.
These purposes and other purpose can realize that a kind of e-commerce system comprises businessman's computer system by following e-commerce system, and it is having homepage on the Internet.The order list is provided on the homepage of businessman's computer system.A client is connected on businessman's the homepage, when selecting ordered commodity or service on businessman's homepage, ordering information is filled on the order list.After in time finishing for client's payment authorization, the businessman begins to conclude the business with client.A payment gateway provides the order list to businessman's computer system, creating consistent trading environment, and receives ordering information and payment authorization request from businessman's computer system.Payment gateway transmits this ordering information and a banking network is given in the payment authorization request, and this payment authorization request is authorized or refused to this banking network decision whether, and the transmission payment authorization responds to payment gateway.
Banking network comprises: VAN receives payment authorization request and ordering information from payment gateway; And financial institution, receive payment authorization request and ordering information from VAN, and check the client's of storage credit information, whether authorize or refuse this payment authorization request with decision.Financial institution transmits the payment authorization response by VAN to payment gateway.
Businessman's computer system and unified payment gateway communicate by the TCP/IP network.
Ordering information is write with html file, or based on the software programming of businessman's computer system.
The Transaction Information of payment gateway storage and management of consumer.
The businessman can inquire about the client that is stored in the payment gateway and businessman's Transaction Information.Payment gateway has and has a transaction solution with the API module of businessman's computer system interface, and drives suitable transaction solution when the transaction beginning.
According to one aspect of the present invention, the method for an e-commerce system of a kind of operation comprises following steps.Wherein this e-commerce system comprises a businessman's computer system by the Internet vending articles or service on the net, and the payment gateway that interface is provided between businessman's computer system and banking network.
At first, a client utilizes web browser to be connected on the homepage of businessman's computer system, and the use ordering information is filled in the order list on businessman's homepage, the request payment authorization.Ordering information and payment authorization request are sent on the server of payment gateway via the TCP/IP network.Payment gateway receives ordering information and payment authorization request, and drives the transaction solution that is fit to ordering information well.Payment gateway transmits ordering information and a banking network is given in the payment authorization request.Banking network is checked this payment authorization request, and returns the payment authorization response to payment gateway.Under the situation of this payment authorization request of banking network mandate, payment gateway and client begin transaction, and perhaps under the situation of banking network refusal to pay authorization requests, payment gateway is not concluded the business with client.
According to another aspect of the present invention, the method for an e-commerce system of a kind of operation comprises following steps.Wherein this e-commerce system comprises: the businessman's computer system with home page server in the A of vending articles on the Internet or service state, a customer computer system of on businessman's homepage, buying the B state of commodity or service by web browser, a plurality of payment gateways, it is based upon intrinsic currency media or the currency of a plurality of countries as the means of payment, carries out the payment gateway business.
The client of B state is connected to the businessman system of A state by web browser.Commodity or service that client's selection of B state will be ordered are imported ordering information on the homepage of the A state that shows on the web browser.The client of B state selects to use suitable currency media or currency that the payment gateway of service is provided as the means of payment.After finishing for client's payment authorization, selecteed payment gateway begins to conclude the business with client.Payment gateway uses intrinsic currency media in this place or currency as the means of payment, carries out transaction payment to the businessman of B state.
With reference to following detailed description and with reference to accompanying drawing, will complete clearly understanding be arranged to the present invention and advantage thereof, wherein similar reference symbol is meant same or analogous assembly in the accompanying drawing, wherein:
Fig. 1 is at the e-commerce transaction process flow diagram on the Internet according to a prior art;
Fig. 2 shows the execution step based on the e-commerce transaction of the Internet as shown in Figure 1, and wherein client receives API and uses from gateway;
Fig. 3 is the international e-commerce transaction process flow diagram according to another prior art;
Fig. 4 is the block scheme according to the e-commerce system of first preferred embodiment of the present invention;
Fig. 5 is based on the process flow diagram of the e-commerce transaction of system as shown in Figure 4;
Fig. 6 shows the method based on a kind of clearing of paying of as shown in Figure 4 e-commerce system;
Fig. 7 shows based on the pay method of clearing of the another kind of as shown in Figure 4 e-commerce system;
Fig. 8 shows the method based on another clearing of paying of as shown in Figure 4 e-commerce system;
Fig. 9 is the block scheme according to the e-commerce system of second preferred embodiment of the present invention.
Followingly preferred embodiment of the present invention is described in detail with reference to accompanying drawing.
Fig. 4 is the block scheme according to the e-commerce system of first preferred embodiment of the present invention.
As shown in Figure 4, e-commerce system comprises customer computer system 10, businessman's computer system 20, payment unions gateway 30, attached payment gateway 31,32 and 33, VAN41,42 and 43 and financial institution 51,52 and 53.
Client be one in the individual or company that buys commodity or service on the Internet as client's desire row, the businessman has a homepage as the individual or company of server in vending articles on the Internet or service.As shown in Figure 4, network seeker (internetexplorer), navigator (navigator) and mobile seeker's (mobile explorer) web browser is connected to businessman's computer system 20 to customer computer system 10 for example using on the Internet.
The homepage of businessman's computer system provides one to order list by payment gateway.Order list and write, perhaps based on the software programming that provides by unified payment gateway with html language.Because ordering list is to write with HTML, it can change into businessman's computer system 20 acceptable lists at an easy rate.
Payment unions gateway 30 is united a plurality of different attached payment gateways and is formed a network, and each payment gateway comprises a transaction solution with an API.API is a routine library that is come by attached payment gateway.Payment unions gateway 30 can comprise different transaction solutions, and each transaction solution comprises the API of each attached payment gateway, and perhaps payment unions gateway 30 comprises a transaction solution, and it comprises the API of all attached payment gateways.If the businessman joins such payment unions gateway, this businessman just can provide service by a plurality of attached payment gateways.By this method, just can build consistent e-commerce environment for the businessman.Communicate by ICP/IP protocol between payment unions gateway 30, businessman's computing machine 20, the attached payment gateway 31,32 and 33.
Attached payment gateway 31,32 and 33 to be dividing the date of payment of the means of payment, service fee, the financial institution of joining or service fee, and is connected to payment unions gateway 30.
VAN41,42 and 43 is company or the systems that are connected to financial institution's network, and on behalf of client, financial institution 51,52 and 53 bear the bank or the credit card company of obligation for payment.
Fig. 5 is based on the process flow diagram of the e-commerce transaction of system as shown in Figure 4.
The client that intention is bought commodity or service by ecommerce is driving web browser (S101) on the personal computer or on mobile communication equipment, be connected to by the Internet on the homepage of businessman's computer system 20 (S102).When the URL of businessman's homepage was imported into web browser, web browser was connected with businessman's server, and literal and the image data of downloaded stored on businessman's server, and showed these data (S103).
The homepage of businessman's computer system 20 does not comprise any transaction solution that exists as the application program that is used for business transaction usually on businessman's homepage, but the order list that is provided by payment unions gateway 30 is provided.Because order list with the HTLM language compilation, when needed, the businessman can revise or repair list at an easy rate.Client uses the ordering information of commodity, name and the credit card information for example ordered to fill in the order list, and sends payment unions gateway 30 to, request payment authorization (S104).
After receiving ordering information and payment authorization request from customer computer system 10, payment unions gateway 30 is selected suitable attached payment gateway 31,32 or 33 (S105) based on ordering information.In this selection, payment unions gateway 30 is the date of payment of service fee, service fee or the charge number of the financial institution joined after consideration, judges the attached payment gateway the most useful to client.
Then payment unions gateway 30 drives the transaction solution (S106) that comprises the API that selecteed attached payment gateway 31,32 or 33 provides.Payment unions gateway 30 can oneself be made such transaction solution, and the solution of perhaps concluding the business also can offer payment unions gateway 30 by attached payment gateway 31,32 or 33.
Thereafter, payment unions gateway 30 sends ordering information and payment authorization request to financial institution 51,52 or 53 by VAN41,42 or 43.At this moment, attached payment gateway is to be selected by the payment unions gateway, and VAN and financial institution are those VAN and financial institutions of joining selecteed attached payment gateway.
Financial institution 51,52 or 53 judges whether to authorize or refuse this payment authorization request (S107) based on ordering information.
Financial institution 51,52 or 53 returns payment authorization by VAN41,42 or 43 and responds to payment unions gateway 30.Payment unions gateway 30 is checked this response (S108), authorizes under the situation of this payment authorization request 30 beginnings of payment unions gateway and client's transaction (S109) in financial institution 51,52 or 53.Certainly, if financial institution 51,52 or 53 these payment authorization requests of refusal, payment unions gateway 30 does not begin transaction (S110) with client.Under the situation of Successful Transaction, payment unions gateway 30 transmits the web browser that Transaction Success information is given client, and simultaneously Transaction Success information is issued client and businessman with Email.Under can not the situation of Successful Transaction, payment unions gateway 30 transmits the web browser that failure informations are given client, and simultaneously Fail Transaction information is issued client and businessman with Email.Client 10 is confirming whether whether the purchase request of wishing commodity or service is authorized to (S111) on the web browser or on Email.
After beginning transaction, can be in different ways for the payment and settlement of transaction.In a kind of mode of clearing of paying, financial institution carries out transaction payment to the businessman, and the businessman is to financial institution's payment services expense.In the another kind of mode of clearing of paying, financial institution carries out transaction payment to the payment unions gateway, and the payment unions gateway sends to the businessman with payout after the deduction service fee.In another mode of clearing of paying, financial institution carries out transaction payment to attached payment gateway.Attached payment gateway sends to the payment unions gateway with payout after the deduction service fee, then the payment unions gateway sends to the businessman with payout after the deduction service fee.
Fig. 6 shows a kind of mode of paying and settling accounts based on e-commerce system as shown in Figure 4.
As shown in Figure 6, the businessman is to financial institution 51,52 or 53 requests transaction payments (S112).Financial institution 51,52 or 53 carries out transaction payment (S113) to the businessman.The businessman is to payment unions gateway 30 payment services expenses (S114), payment unions gateway 30 is then to attached payment gateway 31,32 or 33 payment services expenses (S115), financial institution is to VAN payment services expense (S116), financial institution 51,52 or 53 asks to settle accounts the number (S117) of payment to client, and client 10 is to the number (S118) of financial institution's clearing payment.
Fig. 7 shows the another kind of mode of paying and settling accounts based on e-commerce system as shown in Figure 4.
As shown in Figure 7, payment unions gateway 30 is to financial institution's requests transaction payment (S119), and financial institution carries out transaction payment (S120) to payment unions gateway 30.Payment unions gateway 30 sends to businessman (S121) with payout after the deduction service fee.Payment unions gateway 30 is to attached payment gateway payment services expense (S122).
Fig. 8 shows another mode of carrying out transaction payment based on e-commerce system as shown in Figure 4.
Attached as shown in Figure 8 payment gateway 31,32 or 33 is to financial institution's requests transaction payment (S131), and financial institution carries out transaction payment (S132) to attached payment gateway.Attached payment gateway 31,32 or 33 sends to businessman (S133) with payout after the deduction service fee.Attached payment gateway 31,32 or 33 is to payment unions gateway payment services expenses (S134).Financial institution is to VAN payment services expense (S135).
In the e-commerce system according to first preferred embodiment of the present invention, the payment unions gateway is joined together a plurality of attached payment gateways.Therefore, join the businessman under the situation of payment unions gateway, it just can obtain the service of a plurality of attached payment gateways.Further, because the payment unions gateway affords the transaction solution of these a plurality of attached payment gateways, the businessman just can obtain e-commerce environment easily.
Fig. 9 shows the e-commerce system according to second preferred embodiment of the present invention.
E-commerce system comprises as shown in Figure 9: the customer computer system 110 of B state, businessman's computer system 120 of A state, payment unions gateway 1 30, be positioned at multinational attached payment gateway 131 to 134 and be positioned at multinational banking network 141 to 144.
The businessman of A state is setting up homepage with a webserver that is positioned at A state on the Internet.The businessman of A state is in vending articles on the Internet or service.
Multinational payment gateway 131 to 134 uses their intrinsic currency media or currency as the means of payment, and payment unions gateway 130 is connected on the multinational payment gateway 131 to 134.Payment unions gateway 130 is connected payment gateway 131 to 134 with businessman's computer system 120, when using intrinsic currency media of concerned countries or currency as the means of payment, for it provides the payment gateway business.
The banking network 141 to 144 of various countries is connected to the payment gateway 131 to 134 of respective country, according to the e-commerce transaction clearing of paying.
Be in operation, the client of B state drives web browser on personal computer, the URL of businessman's computer system 120 of input A state in web browser.Web browser connects businessman's server of A state, and the data on businessman's homepage of reception A state also show on web browser.
The homepage of businessman's computer system 120 of A state provides one to order list by payment gateway.The client of B state selects the commodity that will order on businessman's homepage, and fills in the order list with ordering information.Ordering information comprises the commodity that will buy, client's address and name and client's credit card information.Thereafter, the customer computer system 110 of B state transmits this ordering information and gives payment unions gateway 130.
Payment unions gateway 130 is selected suitable attached payment gateway.Attached payment gateway is divided according to the means of payment, the currency of payment and service fee.When selecting attached payment gateway, payment unions gateway 130 should consider which attached payment gateway paying taxes, having superiority on date of payment of service fee, service fee and the exchange rate.Payment unions gateway 130 can be selected the attached payment gateway of B state, perhaps selects the attached payment gateway of one the 3rd state C state.According to selected attached payment gateway since for example pay taxes, difference on the projects such as the date of payment of service fee and service fee, the payment unions gateway can obtain income.Especially, when the payment unions gateway was selected the attached payment gateway of B state at client place, payment and settlement was only undertaken by the financial institution of B state, so just can reduce service fee.Further, owing to be easy to outlet is confirmed in this case, the businessman of A state just can be in financial acquisition advantage.
After receiving ordering information, payment unions gateway 130 calls the transaction solution of the payment gateway of selection, and drives this solution.Payment unions gateway 130 has the transaction solution of corresponding each payment gateway, and the API that is provided by payment gateway as an interface database is provided each transaction solution.
Payment unions gateway 130 transmits the financial institution that ordering informations are given the payment gateway of selecting, and to the request payment authorization.
Financial institution is based on ordering information and Financial Information, and authorization requests is authorized or refused to pay to decision whether, and returns the payment authorization response to payment unions gateway 130.
When financial institution during to payment authorization, payment unions gateway 130 begins transaction with client, and when financial institution's refusal to pay was authorized, payment unions gateway 130 did not begin transaction with client.The message that begins to conclude the business is by showing on web browser or informing client by Email.
After beginning transaction, the businessman of A state pays to the payment gateway requests transaction of selecting by the payment unions gateway.Their currency of selecting of payment gateway use or other carry out transaction payment to them and all available currency of this businessman to the businessman of A state.Payment gateway is to the number of financial institution's request clearing payment of joining, and financial institution transmits the client that B state is given in the payment and settlement request.The client of B state carries out transaction payment to financial institution.
In above mode, client can select to wish money-system that uses as the means of payment and the payment gateway of wishing.By downloading from homepage, the businessman can be provided a simple list of ordering.
As described above, the e-commerce environment that can provide convenience of e-commerce system of the present invention.
Further, because the payment unions gateway has been united a plurality of attached payment gateways, the businessman can obtain the service of a plurality of attached payment gateways by joining the payment unions gateway.Because the payment unions gateway affords the transaction solution of a plurality of attached payment gateways, the businessman can set up e-commerce environment easily.
Further, this e-commerce system can adapt to the different financial environment in various countries at an easy rate.
Although with reference to preferred embodiment the present invention is had been described in detail, those of ordinary skill in the art should be understood that, can make amendment or is equal to replacement it, and not break away from the spirit and scope of the present invention that propose in the claims.
Claims (22)
1, a kind of e-commerce system comprises:
Businessman's computer system, comprise the homepage of communicating by letter with a customer computer system by the Internet, be provided one on the homepage of businessman's computer system and order list, client is connected on businessman's the homepage and when request order goods or service and fills in the order list with ordering information, after the payment authorization to client in time carried out, businessman and client began transaction;
A payment unions gateway, provide the order creation that list is thought consistent trading environment to businessman's computer system, and from businessman's computer system reception order list, the payment unions gateway comprises a plurality of transaction solutions, and after the payment authorization to client carries out, begin to conclude the business with client by driving the transaction solution;
Attached payment gateway, with the transaction solution interface of payment unions gateway, attached payment gateway adapts to ordering information well and is selected by the payment unions gateway, and selecteed attached payment gateway receives the payment authorization request and orders list from the payment unions gateway; With
A banking network receives payment authorization request and ordering information from attached payment gateway, and banking network determines whether to authorize or the refusal to pay authorization requests, and the transmission payment authorization responds to the payment unions gateway.
2, e-commerce system as claimed in claim 1, it is characterized in that, wherein to the selection of attached payment gateway, be based on consider pay taxes, service fee, the exchange rate or type service, by the transaction solution that selecteed attached payment gateway provides, reply payment unions gateway is favourable.
3, e-commerce system as claimed in claim 1 is characterized in that, wherein banking network comprises:
VAN receives payment authorization request and ordering information from attached payment gateway; With
Financial institution receives payment authorization request and ordering information from VAN, checks that the client's of storage credit information responds to attached payment gateway to determine whether to authorize or refuse to pay authorization requests and transmit payment authorization by VAN.
4, e-commerce system as claimed in claim 1 is characterized in that, wherein businessman's computer system is by TCP/IP network and payment unions gateway communication.
5, e-commerce system as claimed in claim 1 is characterized in that, wherein ordering information is write with html file, perhaps based on the software programming of businessman's computer system.
6, e-commerce system as claimed in claim 1 is characterized in that, wherein the Transaction Information of payment unions gateway stores and management of consumer.
7, e-commerce system as claimed in claim 6 is characterized in that, wherein the Transaction Information that the businessman can the client of retrieve stored in the payment unions gateway.
8, e-commerce system as claimed in claim 1, it is characterized in that, wherein each in payment unions gateway transaction solution all comprises an API, its be one with the corresponding one by one routine library that carries out interface of attached payment gateway, the payment unions gateway driving solution of concluding the business.
9, e-commerce system as claimed in claim 1, it is characterized in that, wherein after client and interdealer transaction begin, the payment unions gateway is paid to the banking network requests transaction, and after receiving payout, payout is sent to the businessman simultaneously to relevant attached payment gateway payment services expense from banking network.
10, e-commerce system as claimed in claim 1, it is characterized in that wherein after client and interdealer transaction began, the businessman paid to the banking network requests transaction, and after receiving payout, to payment unions gateway and attached payment gateway payment services expense from banking network.
11, e-commerce system as claimed in claim 1 is characterized in that, wherein ordering information comprises the payment information as credit number, bank transfer, small amount payment (micro-payment).
12, a kind of method of moving e-commerce system, this e-commerce system comprises a businessman's computer system by the Internet vending articles or service on the net, and the payment unions gateway of an interface between banking network and businessman's computer system, the method includes the steps of:
(a) customer computer system uses web browser to be connected to the homepage of businessman's computer system;
(b) customer computer system is filled in order list on businessman's homepage with ordering information, the request payment authorization;
(c) pass through the server that the payment unions gateway is given in TCP/IP network transmission ordering information and payment authorization request;
(d) the payment unions gateway receives ordering information and payment authorization request, and the payment unions gateway selects to be fit to well the attached payment gateway of ordering information, and drives the transaction solution of the attached payment gateway of selecting;
(e) transmit ordering information and payment authorization request from the payment unions gateway to banking network by the attached payment gateway of selecting;
(f) banking network is checked the payment authorization request, and the transmission payment authorization responds to the payment unions gateway; With
(g) when this payment authorization request of banking network mandate, the payment unions gateway begins to conclude the business with client, and perhaps when banking network was refused this payment authorization request, the payment unions gateway was not concluded the business with client.
13, method as claimed in claim 12 is characterized in that, further comprises following steps:
(h) the payment unions gateway shows transaction beginning message on the web browser that is connected to businessman's homepage; With
(i) the payment unions gateway is informed client's beginning message of concluding the business by Email.
14, as claim 13 described methods, it is characterized in that, further comprise following steps:
(j) storage client's Transaction Information on the server of payment unions gateway.
15, method as claimed in claim 14 is characterized in that, further comprises following steps:
When (k) businessman is connected on the server of payment unions gateway, retrieval and check client's Transaction Information.
16, method as claimed in claim 12 is characterized in that, wherein the order list on businessman's homepage is to write with html language, and is provided by the payment unions gateway, thereby the businessman can freely change the order list.
As claim 13 described methods, it is characterized in that 17, wherein the transaction solution of the attached payment gateway of selecting in (d) step is to provide at the payment unions gateway, and the API that is provided by each attached payment gateway is provided all each transaction solution.
18, method as claimed in claim 12 is characterized in that, further comprises following steps:
(1) before (a) step, the businessman asks payment gateway service.
19, method as claimed in claim 12 is characterized in that, further comprises following steps:
(m) when at (g) when step has begun transaction, the businessman pays to the banking network requests transaction;
(n) banking network carries out transaction payment to the businessman;
(o) businessman is to payment unions gateway and attached payment gateway payment services expense.
20, method as claimed in claim 12 is characterized in that, further comprises following steps:
(p) when at (g) when step has begun transaction, the payment unions gateway is paid to the banking network requests transaction;
(q) banking network carries out transaction payment to the payment unions gateway; With
(r) the payment unions gateway send payout to the businessman simultaneously to attached payment gateway payment services expense.
21, a kind of method of moving e-commerce system, this e-commerce system comprises: the businessman's computer system with home page server in the A of vending articles on the Internet or service state, a customer computer system of on businessman's homepage, buying the B state of commodity or service by web browser, a plurality of payment gateways, it is based upon intrinsic currency media or the currency of a plurality of countries as the means of payment, carries out the payment gateway business; The method includes the steps of:
(s) client of B state is connected to the businessman system of A state by web browser;
(t) client of B state selects commodity or the service that will order, imports ordering information on the homepage of the A state that shows on the web browser;
(u) the payment unions gateway receives ordering information, and the attached payment gateway of selecting suitable currency media of use or currency that service is provided as the means of payment;
(v) drive the transaction solution that provides by the attached payment gateway of selecting;
(w) after the payment authorization for client carries out, the payment unions gateway begins to conclude the business with client;
(x) currency of the attached payment gateway of use selecting is as the means of payment, carries out transaction payment to the businessman of B state.
22, as claim 21 described method, it is characterized in that, wherein use the pay attached payment gateway of gateway service of the currency of B state, in (u) step, select.
Applications Claiming Priority (2)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR10-1999-0042679A KR100373507B1 (en) | 1999-10-04 | 1999-10-04 | a system for electronic commerce and a method for electronic commerce |
| KR199942679 | 1999-10-04 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1437144A true CN1437144A (en) | 2003-08-20 |
Family
ID=19613913
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN00129707A Pending CN1437144A (en) | 1999-10-04 | 2000-10-08 | Method and system of electronic business |
Country Status (5)
| Country | Link |
|---|---|
| JP (1) | JP2001142982A (en) |
| KR (1) | KR100373507B1 (en) |
| CN (1) | CN1437144A (en) |
| DE (1) | DE10048841A1 (en) |
| GB (1) | GB2360380B (en) |
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009043245A1 (en) * | 2007-09-29 | 2009-04-09 | Tencent Technology (Shenzhen) Company Limited | Electronic commerce transacting method and system |
| CN102129650A (en) * | 2010-12-29 | 2011-07-20 | 刘文祥 | Network finance |
| CN103186853A (en) * | 2011-12-31 | 2013-07-03 | 北大方正集团有限公司 | Mobile payment method, device and system for server side and client side |
| CN104657843A (en) * | 2015-03-06 | 2015-05-27 | 上海玖纳信息科技有限公司 | Cross-border on-line automatic customs clearance and reconciliation method and system |
| CN105474244A (en) * | 2013-08-20 | 2016-04-06 | 惠普发展公司，有限责任合伙企业 | Payment unification service |
| CN112997208A (en) * | 2018-12-07 | 2021-06-18 | 易思B2B公司 | Purchase management system and method |
| CN112997208B (en) * | 2018-12-07 | 2024-05-31 | 易思B2B公司 | Purchase management system and method |
Families Citing this family (18)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| KR100387208B1 (en) * | 2000-03-17 | 2003-06-12 | 주식회사 제이더블류앤영상사 | Method for providing cyber fair in computer network system and record medium thereof |
| DE10131648A1 (en) * | 2001-06-29 | 2003-01-23 | Informatik-Zentrum Bayern, Softwaregesellschaft Der Bayerischen Sparkassen Gmbh & Co. Kg | Internet process for ordering and paying for goods using web server process |
| KR20030004476A (en) * | 2001-07-05 | 2003-01-15 | 김덕우 | Small-amount settlement system and method thereof |
| WO2003041024A1 (en) * | 2001-11-09 | 2003-05-15 | Parmon Century It (Asia Pacific) Pte Ltd. | Method and system for remitting money and payment of a bill |
| US8175938B2 (en) * | 2004-04-13 | 2012-05-08 | Ebay Inc. | Method and system for facilitating merchant-initiated online payments |
| US7774402B2 (en) | 2005-06-29 | 2010-08-10 | Visa U.S.A. | Adaptive gateway for switching transactions and data on unreliable networks using context-based rules |
| US20100332356A1 (en) * | 2006-12-05 | 2010-12-30 | Spolar Margaret M | System for purchasing commercial goods and services at a location remote therefrom |
| KR100852214B1 (en) * | 2007-08-13 | 2008-08-13 | 대동유리 (주) | Method for ordering glass using internet |
| US10157375B2 (en) | 2008-06-03 | 2018-12-18 | Cardinalcommerce Corporation | Alternative payment implementation for electronic retailers |
| US8762210B2 (en) | 2008-06-03 | 2014-06-24 | Cardinalcommerce Corporation | Alternative payment implementation for electronic retailers |
| GB2466676A (en) * | 2009-01-06 | 2010-07-07 | Visa Europe Ltd | A method of processing payment authorisation requests |
| GB2466810A (en) | 2009-01-08 | 2010-07-14 | Visa Europe Ltd | Processing payment authorisation requests |
| RU2597507C2 (en) | 2010-07-09 | 2016-09-10 | Виза Интернэшнл Сервис Ассосиэйшн | Sluice abstraction level |
| US10496964B2 (en) * | 2014-04-02 | 2019-12-03 | Facebook, Inc. | Routing payments to payment aggregators |
| KR101707739B1 (en) * | 2015-06-17 | 2017-02-27 | 강희영 | System for selecting deal between b2c and b2b |
| GB2567081A (en) | 2016-07-15 | 2019-04-03 | Cardinalcommerce Coorporation | Authentication to authorization bridge using enriched messages |
| JP6255070B1 (en) * | 2016-08-22 | 2017-12-27 | 株式会社 みずほ銀行 | Bank service system and bank service method |
| JP7479229B2 (en) | 2020-07-14 | 2024-05-08 | 東京エレクトロン株式会社 | Vacuum transport device and substrate processing system |
Family Cites Families (3)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| FI102860B (en) * | 1995-11-07 | 1999-02-26 | Nokia Telecommunications Oy | Procedure and apparatus for transmitting an electronic payment |
| JPH09212549A (en) * | 1996-01-31 | 1997-08-15 | Hitachi Ltd | Method and system for electronic commerce |
| SE9704078L (en) * | 1997-11-07 | 1999-05-08 | Telia Ab | Improvements in, and in connection with, electronic payment systems |
-
1999
- 1999-10-04 KR KR10-1999-0042679A patent/KR100373507B1/en active IP Right Grant
-
2000
- 2000-10-02 DE DE10048841A patent/DE10048841A1/en not_active Ceased
- 2000-10-04 GB GB0024286A patent/GB2360380B/en not_active Expired - Lifetime
- 2000-10-04 JP JP2000305561A patent/JP2001142982A/en active Pending
- 2000-10-08 CN CN00129707A patent/CN1437144A/en active Pending
Cited By (9)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| WO2009043245A1 (en) * | 2007-09-29 | 2009-04-09 | Tencent Technology (Shenzhen) Company Limited | Electronic commerce transacting method and system |
| CN102129650A (en) * | 2010-12-29 | 2011-07-20 | 刘文祥 | Network finance |
| CN103186853A (en) * | 2011-12-31 | 2013-07-03 | 北大方正集团有限公司 | Mobile payment method, device and system for server side and client side |
| WO2013097809A1 (en) * | 2011-12-31 | 2013-07-04 | 北大方正集团有限公司 | Mobile payment method, device and system for server end and client |
| CN103186853B (en) * | 2011-12-31 | 2016-07-13 | 北大方正集团有限公司 | A kind of server end and client method of mobile payment, Apparatus and system |
| CN105474244A (en) * | 2013-08-20 | 2016-04-06 | 惠普发展公司，有限责任合伙企业 | Payment unification service |
| CN104657843A (en) * | 2015-03-06 | 2015-05-27 | 上海玖纳信息科技有限公司 | Cross-border on-line automatic customs clearance and reconciliation method and system |
| CN112997208A (en) * | 2018-12-07 | 2021-06-18 | 易思B2B公司 | Purchase management system and method |
| CN112997208B (en) * | 2018-12-07 | 2024-05-31 | 易思B2B公司 | Purchase management system and method |
Also Published As
| Publication number | Publication date |
|---|---|
| GB2360380B (en) | 2004-06-02 |
| KR100373507B1 (en) | 2003-02-25 |
| GB0024286D0 (en) | 2000-11-15 |
| KR20010035902A (en) | 2001-05-07 |
| GB2360380A (en) | 2001-09-19 |
| JP2001142982A (en) | 2001-05-25 |
| DE10048841A1 (en) | 2001-04-26 |
Similar Documents
| Publication | Publication Date | Title |
|---|---|---|
| CN1437144A (en) | Method and system of electronic business | |
| US10115098B2 (en) | Invoiceless trading and settlement method and system | |
| US20020103752A1 (en) | E-commerce payment solution | |
| US9852469B1 (en) | System and method for effecting payment for an electronic commerce transaction | |
| US20160247159A1 (en) | System and method for managing recipient accounts | |
| US20070073629A1 (en) | Payment system and clearinghouse of internet transactions | |
| US20090138379A1 (en) | System and method for international internet shopping | |
| CN1698054A (en) | Money transfer systems and methods | |
| US20070106617A1 (en) | Legal compliance system for the sale of regulated products or services | |
| US20040225573A1 (en) | Methods and apparatus for anonymously transacting internet shopping and shipping | |
| US20020152162A1 (en) | Escrow trade agency system | |
| CN1274897A (en) | Electronic business system using prepayment card | |
| WO2008055215A2 (en) | System and/or method for dynamic determination of transaction processing fees | |
| WO2002029508A2 (en) | Broker-mediated online shopping system and method | |
| US20130290176A1 (en) | Transaction service purchase options via a payment provider | |
| WO2009058949A1 (en) | Accumulated transactions | |
| US20070100706A1 (en) | System and method for order verification | |
| US8060437B2 (en) | Automatic termination of electronic transactions | |
| CN1666238A (en) | Method for the electronic payment of a merchandise or service by using a mobile radio network, and arrangement for carrying out said method | |
| US7756765B2 (en) | System and method for order purchasing and fulfillment | |
| KR20010096341A (en) | Method and system for ordering and sailing of goods or service in internet | |
| JP2008040601A (en) | Movable property trust type fund raising system and its method | |
| CN1356660A (en) | E-commer trading system, server, user terminal and record medium for said system, and inventory management method | |
| JP2005044289A (en) | Payment system, transfer operation terminal, financial institution server, withdrawal operation terminal, computer program and payment method | |
| KR100650256B1 (en) | Method of joint settlement in on-line by short message sevice |
Legal Events
| Date | Code | Title | Description |
|---|---|---|---|
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| C06 | Publication | ||
| PB01 | Publication | ||
| C10 | Entry into substantive examination | ||
| SE01 | Entry into force of request for substantive examination | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: DE Ref document number: 1058831 Country of ref document: HK |
|
| C02 | Deemed withdrawal of patent application after publication (patent law 2001) | ||
| WD01 | Invention patent application deemed withdrawn after publication | ||
| REG | Reference to a national code |
Ref country code: HK Ref legal event code: WD Ref document number: 1058831 Country of ref document: HK |