KR100450561B1 - Electronic transaction method and system using card for settlement - Google Patents

Abstract

The present invention relates to an e-commerce method and system, and more particularly, to a method and system for smoothly performing a payment between a purchaser and a seller generated during an e-commerce process, and an e-commerce method for making a transaction between a purchaser and a seller. In (a) receiving the order information from the purchaser; (b) transmitting order information to the seller in response to the order information; (c) after the seller prepares the delivery corresponding to the order information, generating the sales payment information by the payment card in relation to the payment of the seller; (d) generating purchase payment information by means of a payment card in relation to the payment received by the purchaser after being delivered to the purchaser; And (e) making the transaction price settled according to the sales settlement information and the purchase settlement information, and the seller pays the card for the sales details upon delivery and pays the card for the purchase details when the purchaser receives delivery. In addition, payments can be made by credit method, depending on sales and purchase history.

Description

Electronic transaction method and system using payment card {Electronic transaction method and system using card for settlement}

The present invention relates to an electronic commerce method and a system thereof, and more particularly to a method and a system capable of smoothly performing a payment between a buyer and a seller generated in the electronic commerce process.

In a conventional e-commerce server, a broker intermediates a transaction between a purchaser and a seller, and when a transaction is concluded between the purchaser and the seller, or when the product is delivered, the purchaser remits the price of the product to the seller. In the payment process, the purchaser usually uses an online bank transfer or a credit card payment method, and at the time when the seller delivers the product, it is determined whether the purchaser will pay the price after receiving the product. Difficult to credit In addition, from the buyer's point of view, there was a hassle of having to pay for each purchase transaction.

The technical problem to be achieved by the present invention is to use the payment card for sale to pay sales details with the seller and the payment card for purchases in the relationship with the purchaser using the payment card to check the payment by the payment card The present invention provides an electronic commerce method and a system capable of processing a payment of a product price from a buyer to a seller.

Another object of the present invention is to provide a terminal device capable of processing electronic commerce by a payment card in the electronic commerce method as described above.

1 shows an overall configuration diagram of an electronic commerce processing system according to the present invention.

2 is a flowchart illustrating a process of payment of a commodity price.

3 is a view for explaining an example relating to ordering and ordering.

4 is a diagram illustrating details related to a wholesaler (seller) during an e-commerce process according to the present invention.

5 is a diagram illustrating details related to a retailer (buyer) during the e-commerce process according to the present invention.

6A and 6B show examples of data stored in a retailer information database and a wholesaler information database.

7 shows an example of information recorded on a card used for payment.

8A and 8B show examples of retailer order information and wholesaler order information.

9A and 9B show examples of retail payment information and wholesale payment information.

10 is a diagram illustrating an example of a configuration of an electronic commerce processing system according to another embodiment of the present invention.

In order to achieve the above object, according to the present invention, an electronic commerce method for making a transaction between the buyer and the seller, (a) receiving the order information from the buyer; (b) transmitting order information to a seller in response to the order information; (c) generating, by the seller, payment information by a payment card in relation to the payment of the seller after the preparation for delivery in response to the order information is completed; (d) generating purchase payment information by means of a payment card in relation to the payment received by the purchaser after being delivered to the purchaser; And (e) performing the settlement so that the transaction price is settled according to the sales settlement information and the purchase settlement information.

In order to achieve the above object, according to the present invention, the e-commerce method for the transaction between the buyer and the seller is made, (a) when the seller delivers the goods by the payment card for sale in connection with the payment of the goods price Receiving approval from the approval agency; (b) generating sales payment information related to the transaction history delivered by the seller; (c) when the purchaser receives the goods from the seller, receiving approval from the approval authority by the payment card for purchase in connection with the payment of the goods price; (d) generating purchase payment information related to the transaction history of the purchaser's delivery; (e) performing the payment for the product price according to the sales payment information by the sales payment card and the purchase payment information by the purchase payment card.

In order to achieve the above object, according to the present invention, a system for enabling electronic commerce between the purchaser and the seller, the payment card for sale used in connection with the seller's payment; A purchase payment card used in connection with the purchaser's payment; An approval authority for approving payment by the payment cards and generating sales payment information related to transaction details delivered by the seller and purchase payment information related to transaction details received by the purchaser; A card terminal for communicating with the approval agency by the payment card for sale or the payment card for purchase to obtain an approval related to payment and perform a payment process; And receiving order information regarding the purchase of goods from the purchaser and transmitting order information to the seller based on the order information, checking transaction details and product price related to the delivery of goods according to the sales payment information and the purchase payment information. , Characterized in that it comprises an operation server for processing the product price can be settled according to the transaction details between the buyer and seller,

In order to achieve the above object, an electronic commerce processing system according to the present invention includes an order and order processing unit for receiving order information from a purchaser and transmitting order information to a seller in response to the order information; A first card payment unit for receiving approval in connection with payment of the price of the product by a payment card for sale when the seller delivers the product according to the order information; A second card payment unit for receiving approval in connection with payment of the price of the goods by a purchase payment card when the purchaser receives the goods from the seller; A payment information generation unit for generating sales payment information related to the transaction history delivered by the seller and purchase payment information related to the transaction history delivered by the buyer; And a payment processing unit that performs payment of the product price according to the sales payment information and the purchase payment information.

In accordance with another aspect of the present invention, there is provided an electronic commerce processing terminal device comprising: an input unit for inputting a payment card for sale or purchase used in connection with payment of a product price of a seller or a purchaser; A first payment unit which transmits the card information and the goods delivery history of the payment card for sale to an approval institution and obtains an approval related to the card payment from the approval institution; A second payment unit which transmits the card information and the product purchase history of the purchase payment card to an approval authority and obtains an approval related to the card payment from the approval authority; And an output unit for outputting data related to the approval upon obtaining the approval related to the card payment.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention.

1 shows an overall configuration diagram of an electronic commerce processing system according to the present invention. The electronic commerce system may perform a physical transaction between the purchaser 11 and the seller 15 through the server 14. For example, if you have wholesalers and retailers who deal with certain goods, such as electronics, precious metals, and clothing, retailers order different types of merchandise for each wholesaler, and each wholesaler orders products from multiple retailers. Products will be delivered to each retailer. At this time, each retailer must pay for each of the wholesalers, respectively, and each wholesaler must also pay for each of the goods. When the relationship between the buyer and the seller is not one-to-one but one-to-many or many-to-many in such a commerce process, the settlement process between each other is complicated. The present invention provides a method for collectively processing such a settlement process. In the following description, a representative example of a purchaser who purchases a product is illustrated as a retailer, and a representative example of a seller who delivers a product is illustrated as a wholesaler, and a purchaser is represented as a retailer and a seller as a wholesaler as needed. The invention can be applied to both the buyer and the seller in the sense.

The e-commerce system shown in FIG. 1 is used in connection with a wholesale card (payment card for sale) 17 used by a seller in connection with payment of a product sold by the seller and a purchaser in charge of the product purchased by the seller. The payment process is performed by the retail card (purchase payment card) 13. Herein, the retail card 13 and the wholesale card 17 may be issued by an authorized financial institution such as a bank to obtain approval for its use from the financial institution at the time of payment related to sales and purchases. It is desirable that payments are held by financial institutions as well as servers.

An approval institution that approves payment by payment cards is linked with VAN company (19) and bank card company (18), and when payment card for sale or purchase payment card is inserted, it communicates with the approval agency to approve the payment. The card terminals 16 and 12 are used for generating sales payment information related to the transaction details acquired and delivered by the seller and purchase payment information related to the transaction details the buyer has delivered. The server 14 receives the order information regarding the purchase of the product from the purchaser, transmits the ordering information to the seller based on the order information, checks the transaction details and the product price related to the product delivery according to the sales payment information and the purchase payment information. In addition, financial institutions such as banks and credit card companies (18) receive sales payment information and purchase payment information, and the seller's financial account in the buyer's financial account according to the payment information by the payment cards. You pay for the goods.

Referring to Figure 1 will be described the process of the electronic commerce. The server 14 stores information about retailers 11 and wholesalers 15 that perform commerce through the server in a database. To this end, the retailers 11 and wholesalers 15 access the server 14 via a communication network such as the Internet and undergo a user registration procedure in accordance with the procedure and format required by the server 14.

When the retailers 11 input information for identifying themselves, such as a trade name (or ID), a representative, an address, and the like, the server 14 assigns a retailer registration number as information for identifying the retailers. 6A shows an example of data stored in retailer information database 141, includes retailer registration numbers, trade names, representatives, addresses, etc., and also includes bank accounts to be used for payment of electronic commerce, credit card numbers or other Information that can be used as a payment method is stored. The wholesalers 15 also input information for identifying themselves such as their trade names (or IDs), representatives, addresses, and the like, and the server 14 assigns wholesaler registration numbers as information for identifying each wholesaler. 6B shows an example of data stored in wholesaler information database 144, includes wholesaler registration numbers, trade names, representatives, addresses, etc., and also includes bank accounts to be used for payment of electronic commerce, credit card numbers or other Information that can be used as a payment method is stored.

Next, a description will be given of a process in which a retailer orders and delivers a product to a wholesaler who is a seller as a buyer. The purchaser (retailer) 11 accesses the server 14, undergoes a user confirmation process, and then inputs order information about a product he / she wants to purchase. The retailer enters product specification data such as the wholesaler's trade name or registration number to which the goods are to be delivered, the product name or product number to be purchased, and the material, weight, size and quantity of the product. The server 14 then assigns an order number corresponding to the order information and is used in future transactions. 8A illustrates the contents of order information for each retailer. The server 14 stores the order information in association with the retailer information. The retailer 11 may access the server 14 once and then input one order information, input a plurality of order information to the same seller, or input a plurality of order information to the plurality of sellers. The purchaser 11 may directly designate a seller to deliver a product to be purchased, or specify only a product and a standard, and then select a seller (reverse auction method) according to information such as a scheduled delivery price of the seller 15.

When the server 14 receives the order information from the retailer 11, the server 14 stores the order information in the database for order information and transmits the order information to the seller (wholesaler) indicated in the order information in response to the order information. If the purchaser designates the seller, the product is ordered to the designated seller, and if the seller is selected as the reverse auction method, the purchaser's order information is started on the server, and bidders such as the estimated delivery price are input from the seller. The seller can be selected according to the bidding information. 8B shows an example of ordering information for each wholesaler, and the ordering information includes information on products and specifications desired by the purchaser.

3 is a view for explaining an example relating to ordering and ordering. The server 33 has a database 36 for storing information on a retailer that has registered a user, and a database 39 for storing information about a wholesaler. For example, when the Z retailer 31 orders the products of the A and B wholesalers, and the Y retailer orders the products of the A wholesaler, the server 33 sends these order information to the retailer order information database 37. Save it. The server 33 transmits the ordering information for the wholesaler required by the order information of each retailer. In this example, the order contents of the Z and Y retailers are sent to the A wholesaler as ordering information, and the Z retailer orders to the B wholesaler. The content is sent as ordering information. Such ordering information is stored in the wholesaler-specific ordering information database 38. On the other hand, wholesalers can search or confirm the order information registered in the server (33). If the seller is selected by the reverse auction method, the server transmits the order information to the seller or the seller checks the order information with the server to perform the bidding and auction process.

After the product ordering and ordering process is completed, the seller (wholesaler) 15 prepares for delivery in response to the ordering information, and after the preparation is completed (or after the product is delivered to the server or directly to the purchaser), the server A wholesale card in connection with sales details, such as the price of goods delivered between (14) and the seller (15) (this card is used for payment between the seller and the server and, if necessary, may also be used as the term payment card for sale) 17) The payment process is performed according to 17), and the purchaser who received the product is a retail card (this is a card used for payment between the purchaser and the server.) (13) to perform the credit settlement process. The process of payment of the commodity price will be described with reference to the flowchart shown in FIG. 2.

First, the settlement process between the server 14 and the seller 15 using the wholesale card 17 will be described. The wholesale card 17 is inserted into the card terminal 16 to receive confirmation of the validity of the card itself, and the card terminal 16 reads card information such as a card number recorded on a card whose validity is recognized, and the sales details. Get information about. The card terminal 16 connects this information to the VAN company 19 to request approval for card payment. Here, VAN refers to an organization that performs VAN (Value Added Network) business, and connects the bank and credit card company's computer and the financial settlement agency's relay system to handle a large amount of money collection and payment, and transmits and receives financial information. It performs card transaction approval, and includes card VAN service, money management service (CMS) and Giro EDI service. The VAN company 19 requests the bank or card company 18 for approval and transmits the approval information including the authorization number to the card terminal 16 when the approval is received. When the card terminal 16 receives the authorization information, the card terminal 16 issues a receipt related to the sale details and is provided to the seller 15. The receipt records information such as transaction date, wholesaler registration number, card number, authorization number, and transaction amount.

Meanwhile, the VAN company 19 generates wholesale payment information (also referred to as sales payment information) according to the card information and the sales history information received from the card terminal 16, and the server 14 and the bank / card company 18 To be sent). This information will later be used for payment between the buyer and seller. The server 14 stores this in the wholesale payment information database 143.

Next, the settlement process between the server 14 and the purchaser 11 using the retail card 13 will be described. The goods delivered from the seller are delivered to the purchaser 11 having ordered information through the delivery company. After the product is delivered to the purchaser, a payment process related to the purchase history is performed by the retail card 13 in relation to the price of the product. The retail card 13 is inserted into the card terminal 12 to confirm the validity of the card itself, and the card terminal 12 reads card information such as a card number recorded on a card whose validity is recognized, and purchase details thereof. Get information about. The card terminal 13 connects this information to the VAN company 19 and requests approval of the card payment. The VAN company 19 sends a request for approval to the bank or card company 18, the approval is sent to the card terminal 12, the approval information including the authorization number. When the card terminal 12 receives the approval information, the card terminal 12 issues a receipt related to the purchase history and is provided to the purchaser 11. The receipt records information such as transaction date, retailer registration number, card number, authorization number, and transaction amount.

Meanwhile, the VAN company 19 generates retail payment information (also referred to as purchase payment information) according to the card information and the purchase history information received from the card terminal 12, and the server 14 and the bank / card company 18 To be sent). This information will later be used for payment between the buyer and seller. The server 14 stores this in the retail payment information database 142.

7 illustrates an example of information recorded on a card used for payment, and includes card number, expiration date, and data for security, and may include information indicating this when used for sale or purchase only. have. The payment card can be a magnetic card, a memory card, or an IC card. Basically, the payment card can be used to verify transactions for authentication during payment of this e-commerce. In addition, the data on payments by the payment card (wholesale payment) Information, retail payment information) can be stored. In addition, a wholesale card 17 and a retail card 13 may be issued and operated by each wholesaler and retailer, or held by a server operating the e-commerce so that the card can be used whenever a seller or purchaser needs to make a payment. have. In addition, the wholesale card 17 may be held by the server and used for payment with the seller for each transaction, and the retail card 13 may be held for each purchaser and used to pay for the goods purchased by the retailer. .

The card terminals 12 and 16 read card information and perform an approval process. The card terminals 12 and 16 may be implemented as separate dedicated devices for payment by a payment card for sale and payment by a payment card for purchase, or may be integrated with these functions. have. The card terminal transmits an input unit for inputting a sales or purchase payment card used for payment of a product price of a seller or a purchaser, card information of a payment card for sale and product delivery history to an approval authority, A first payment unit for obtaining approval, a second payment unit for transmitting the card information and purchase details of the purchase payment card to the approval institution and obtaining approval related to the card payment from the approval institution, wherein the first and second payment units are optional One or both may be provided together. The card terminal may communicate with a server or a VAN company using a wired or wireless communication network such as a public telephone network, an internet network, a mobile communication network, and the like. In addition, the card terminal may be implemented to transmit information generated by the payment card, such as card information, purchase payment information, sales payment information, authorization number, etc. directly to the server via a wired or wireless communication network. After receiving approval from the approval institution, the card terminal may generate and transmit sales payment information related to the transaction history delivered by the seller and purchase payment information related to the transaction history delivered by the purchaser to the server or the approval authority, or the sales payment information and Purchase payment information may be generated by the approval authority and transmitted to the card terminal and / or server.

As described above, the wholesale settlement information and the retail settlement information are generated by the settlement process by the wholesale card (sales payment card) 17 and the retail card (purchase payment card) 13, and based on these information, Payment from the purchaser 11 to the seller 15 is performed. 9A and 9B show examples of retail payment information and wholesale payment information. Wholesale payment information includes transaction date, wholesaler registration number, card number, authorization number, order number (or order number), sales amount, etc. For retail payment information, transaction date, retailer registration number, card number, authorization number, Order number (or order number), purchase price, and the like. The wholesale payment information and retail payment information may be generated by the VAN company based on the information transmitted while requesting the approval from the card terminal, or may be generated and transmitted to the VAN company after obtaining the approval from the VAN company on the card terminal. .

Since retail payment information contains information related to each purchaser's purchase of goods, it can be interpreted to determine which buyer should pay which seller what amount, and wholesale payment information includes information related to each seller's sale of goods. Since this is interpreted, it can be interpreted to determine which seller should be paid how much from which buyer. If it is normal, of course, their data must match each other exactly, and the payment is made as defined above. In other words, the purchase amount is withdrawn from the buyer's bank account to be paid, and the direct debit to the bank account of the seller. In addition to direct debit, the buyer can pay by credit card. If paid to multiple sellers, the total purchase amount will be withdrawn and distributed to each seller. On the other hand, such a payment process may be performed every time one transaction is made or may be made regularly (for example, once a month) by setting a predetermined payment date.

4 is a diagram illustrating details related to a wholesaler (seller) during an e-commerce process according to the present invention, and the operation thereof will be described in the order of numbers shown in the drawings.

When the wholesaler 41 who received the ordering information delivers the product, the wholesaler inserts the wholesale card into the card terminal 43 and checks the validity of the card itself. The card terminal 43 inputs a matter to be settled in the transaction, such as a wholesaler's registration number, transaction amount, and information on order contents (or order number). The card terminal 43 transmits these information to the VAN company 44 to request card payment approval, and the VAN company 44 obtains the approval through the card company 45 / bank 46 and then receives the approval matters. Transfer to the card terminal 43. The card terminal 43 generates wholesale payment information related to the transaction in response to the approval, and then transmits it to the VAN company 44. Wholesale payment information can also be generated directly from VAN. The VAN company 44 transmits wholesale payment information to the server 42. The wholesale payment information may be transmitted to the bank 46 by the VAN company 44 directly or from the server 42 to the bank 46. When the payment is made at the retailer as a commodity purchaser as described below in FIG. 5, the bank 46 withdraws the corresponding amount from the retail bank account 47 and transfers the commodity price to the wholesale bank account, and the server 42. ) Remits fees related to the use of this e-commerce.

If there is an error or lack of quantity in ordering information and delivery, reorder or return. If the quantity of goods to be delivered by the wholesaler differs from the ordering information, for example, if you ordered 10 S-products to be delivered to the A-Wholesaler as a Z-retailer and the number of delivered products is 5, While processing, separate order information is generated for the remaining quantity.

FIG. 5 is a diagram illustrating details related to a retailer (buyer) during an e-commerce process according to the present invention, and the operation thereof will be described according to the number order shown in the drawing.

When the retailer 51 receives the ordered product from the server 52 or from the delivery company or the seller, the retailer 51 inserts the retail card into the card terminal 53 and checks the validity of the card itself. The card terminal 53 inputs an order number, a delivery number, information on a transaction amount, and a matter to be settled in the transaction, such as a registration number of a retailer. The card terminal 53 transmits this information to the VAN company 54 to request the card payment approval, and the VAN company 54 obtains the approval through the card company 55 / bank 56 and then receives the approval matters. The card is sent to the terminal 53. The card terminal 53 generates the retail payment information related to the transaction in response to the approval, and then transmits it to the VAN company 54. Retail payment information may be generated directly by VAN. The VAN company 54 transmits retail payment information to the server 52. Sending retail payment information to the bank 56 may be directly by the VAN company 54 or from the server 52 to the bank 56. The bank 46 withdraws the corresponding amount (including the commodity price and usage fee if necessary) from the retail bank account 57 and transfers the commodity price to the wholesale bank account 58, and the bank of the server 52 Remittance of fees related to the use of this e-commerce account.

On the other hand, the delivery of goods to the retailer may be made by a logistics delivery company, in this case, the card terminal may be paid to the delivery company to perform the settlement process with the retailer. Retailers have their own retail cards, which can be paid via a wireless terminal using a retail card when a product is ordered from a carrier. Of course, you can have a card terminal at each retailer.

In the process of paying for goods from a retailer to a wholesaler, a method of transferring from a retailer's account to a wholesaler's account according to wholesale payment information and retail payment information directly by a financial institution such as a bank has been described. Can be processed. In other words, according to the retailer's purchase and payment information, the bank deposits the product price to be paid by the retailer from the retailer's account to the server's account. The server analyzes the sales payment information, checks the wholesaler to which the product price paid from each retailer is to be paid, and the amount thereof, and then transfers the product price (or cash payment) from the server's account to the seller's account. Therefore, the server confirms the payment details to be paid to each seller according to the sales payment information, and performs an intermediary process of providing the sellers the payments received according to the purchase payment information to the sellers according to the payment details.

A summary of the payment process shown in FIGS. 4 and 5 is as follows. When the seller delivers the product, the seller obtains approval from the approval institution by using the payment card for sale in connection with the payment of the product price, and generates sales payment information related to the transaction history delivered by the seller. When the purchaser receives the goods from the seller, the purchaser receives approval from the approval institution by the payment card for purchase in connection with the payment of the price of the goods, and generates purchase payment information related to the transaction details of the purchaser. Then, the product price is settled according to the sales payment information by the payment card for sale and the purchase payment information by the payment card for purchase, so that the product transaction and the payment can be performed between the purchaser and the seller.

The server receives and stores both the payment information by the payment card for sale and the payment information by the payment card for purchase. When a plurality of buyers and a plurality of sellers make a complex transaction with each other, the server must receive payment for each buyer based on the sales payment information and the purchase payment information (the seller to be paid and the amount thereof) and the seller. It checks what to do (the buyer and the amount to be paid), creates and stores relevant information so that the payment can be made accurately and sends it to the bank.

On the other hand, in the e-commerce processing system according to the present invention, the payment process by the payment card has been described as processing through a separate card terminal. Servers may be provided with a separate payment device capable of integrating and operating functions (for example, a function of receiving payment approval from an approval institution by a payment card) by a card terminal or processing these functions.

10 is a diagram illustrating an example of a configuration of an electronic commerce processing system according to another embodiment of the present invention. The order and order processing unit 102 receives order information from the purchaser 101 and transmits order information to the seller 103 in response to the order information. Here, the data exchange between the purchaser 101 and the orderer 103 is operated in such a manner that data is input and output to the user's computer through the Internet and a communication network. When the seller 103 delivers the product according to the ordering information, the sales settlement unit 107 receives the approval related to the payment of the product price by the sales payment card 106 and sells the transaction related to the transaction. Generate payment information. At this time, information is exchanged with the VAN company 109 for card payment approval. When the purchaser receives the goods from the seller, the purchase payment unit 105 receives the approval related to the payment of the price of the goods by the purchase payment card 104 and generates the purchase payment information related to the transaction details of the purchaser. . At this time, information is exchanged with the VAN company 109 for card payment approval. The payment processing unit 108 performs the payment for the product price through the bank / card company 110 according to the sales payment information by the payment card for sale and the purchase payment information by the payment card for purchase.

If the ordered information and the ordering information and the goods are delivered to the buyer but the payment by the buyer is not made, the related payments are canceled and the goods are restocked. This cancellation process is also performed through the card terminal and the server.

10 is an example in which the electronic commerce system according to the present invention is divided and configured according to functional operations. Although the functions of the respective components are not mentioned in detail, referring to the above description, the components are performed by the components. The functional operations will be specifically understood.

The invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet). Include. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

As described above, according to the electronic commerce method and system according to the present invention, the seller pays the card for the sales history at the time of delivery, and pays the card for the purchase history when the buyer receives the delivery, and then according to the sales history and the purchase history. It can be settled by credit. Thus, both the seller and the buyer can safely pay and be paid.

Claims (17)

In the e-commerce method for the transaction between the buyer and the seller, (a) receiving order information from the purchaser; (b) transmitting order information to a seller in response to the order information; (c) generating, by the seller, payment information by a payment card in relation to the payment of the seller after the preparation for delivery in response to the order information is completed; (d) generating purchase payment information by means of a payment card in relation to the payment received by the purchaser after being delivered to the purchaser; And (e) performing the payment for the transaction price according to the sales payment information and the purchase payment information. The method of claim 1, wherein in the step (a), the purchaser designates a seller to deliver the product, and the step (b) orders the product to the designated seller. The electronic commerce according to claim 1, wherein the information received from the purchaser includes a product number or product name and a specification of the product to be purchased, and generates an order number corresponding to the order information input by the purchaser. Way. According to claim 3, When ordering the goods to the seller, the buyer includes a purchaser registration number or ID, the product number or product name and the specification of the product and the purchase order applied with the order number generated at the time of ordering How to do e-commerce. The method of claim 1, wherein step (c) Inserting the payment card into a card terminal to authenticate the card; Receiving an approval from an approval institution regarding payment by the payment card according to the product transaction history delivered by the seller; And Generating sales payment information related to the sales transaction details and transmitting the same to the approval authority. The method of claim 1, wherein step (d) Inserting the payment card into a card terminal to authenticate the card; Receiving approval from an approval institution regarding payment by the payment card according to the product transaction history purchased by the purchaser; And And generating purchase payment information related to the product transaction details and transmitting the purchased payment information to the approval authority. In the e-commerce method for the transaction between the buyer and the seller, (a) when the seller delivers the product, receiving approval from the approval institution by the payment card for sale in connection with the payment of the product price; (b) generating sales payment information related to the transaction history delivered by the seller; (c) when the purchaser receives the goods from the seller, receiving approval from the approval authority by the payment card for purchase in connection with the payment of the goods price; (d) generating purchase payment information related to the transaction history of the purchaser's delivery; (e) performing the payment for the product price according to the payment information for sale by the payment card for sale and the purchase payment information for the payment card for purchase. The method of claim 1 or 7, wherein the sales payment information is E-commerce method comprising the transaction date, the seller registration number or ID, the number of the payment card for sale, the authorization number associated with the card payment, the order number associated with the transaction and the sale amount. The method of claim 1 or 7, wherein the purchase payment information is E-commerce method comprising the transaction date, the purchaser registration number or ID, the number of the payment card for purchase, the authorization number associated with the card payment, the order number associated with the transaction and the purchase amount. The method of claim 1 or 7, wherein the sales payment information and the purchase payment information are received and stored, and items to be paid for each purchaser and items to be paid for each seller based on the sales payment information and the purchase payment information. E-commerce method further comprising the step of confirming. In a system for enabling e-commerce between a buyer and a seller, A payment card for sale used in connection with the seller's payment; A purchase payment card used in connection with the purchaser's payment; An approval authority for approving payment by the payment cards and generating sales payment information related to transaction details delivered by the seller and purchase payment information related to transaction details received by the purchaser; A card terminal for communicating with the approval agency by the payment card for sale or the payment card for purchase to obtain an approval related to payment and perform a payment process; And Receiving order information regarding the purchase of goods from the purchaser and transmitting order information to the seller based on the order information, checking transaction details and product price related to product delivery according to the sales payment information and the purchase payment information, E-commerce system, characterized in that it comprises an operation server for processing the product price can be settled according to the transaction details between the buyer and the seller. The electronic commerce system of claim 11, wherein the operation server receives a payment for a product paid by a purchaser through a financial institution, checks the price to be paid to each seller, and then pays each seller through a financial institution. . An order and order processing unit for receiving order information from a purchaser and transmitting order information to a seller in response to the order information; A first card payment unit for receiving approval in connection with payment of the price of the product by a payment card for sale when the seller delivers the product according to the order information; A second card payment unit for receiving approval in connection with payment of the price of the goods by a purchase payment card when the purchaser receives the goods from the seller; A payment information generation unit configured to generate sales payment information related to transaction details delivered by the seller and purchase payment information related to transaction details received by the purchaser; And And a payment processing unit which performs payment of the product price according to the sales payment information and the purchase payment information. An input unit for inputting a payment card for sale or purchase used in connection with payment of a product price of a seller or a purchaser; A first payment unit which transmits the card information and the goods delivery history of the payment card for sale to an approval institution and obtains an approval related to the card payment from the approval institution; A second payment unit which transmits the card information and the product purchase history of the purchase payment card to an approval authority and obtains an approval related to the card payment from the approval authority; And And an output unit for outputting data related to the approval upon obtaining the approval related to the card payment. 15. The card terminal of claim 14, further comprising a payment information generator for generating sales payment information related to the transaction details delivered by the seller and purchase payment information related to the transaction details received by the purchaser. A method of delivering a product in response to a purchaser ordering a product and a product order of the purchaser, and receiving a payment for the product, Generating payment information for a product provided by a seller to a purchaser using a payment card for sale; Generating purchase payment information for the purchase price of the product provided by the purchaser using the purchase payment card; Confirming a payment price to be paid to the seller by the purchaser according to the sales payment information and the purchase payment information; And And paying the confirmed payment price from the purchaser to the seller. A computer-readable recording medium having recorded thereon a program for realizing the method according to any one of claims 1, 7 and 16.