KR20010025322A - A method for selling securities paid the money in advance - Google Patents

Abstract

PURPOSE: A method for selling a repayment product is provided to enable a purchaser to promptly use a relevant product without a prepaid product by providing a utility number which indicates a utility authorization of relevant product prepaid if the purchaser pays for the prepaid product sold through an internet and a network. CONSTITUTION: An internet user connects to a product sale server of an operational company, and selects a product which the user want to buy(ST101). If the user inputs information on credit card and bank account, an electronic payment system transmits the information to a payment server of a credit card company or a bank, and makes a request for approving a payment(ST102-ST103). The electronic payment system transmits a notice of approval to the product sale server(ST104). The server accesses a product information database, and searches a utility number. In addition, the server stores sale information of a prepaid product in the product sale database(ST105-ST107).

Description

A method for selling securities paid the money in advance}

The present invention relates to a method of selling a prepaid product such as a gift certificate, a ticket, and the like, and in particular, when a payment is made on a prepaid product sold through the Internet or a network, the purchaser provides the use number of the prepaid product to the buyer without the prepaid product in kind. The present invention relates to a method of selling a prepaid product that enables a buyer to use the product immediately.

Due to the development of information technology, the spread of computers and the Internet is rapidly spreading, and the internet industry using the technology is exploding. In other words, many host computers are connected to the Internet every day, contributing to making the world a global village.

As such, e-commerce can be regarded as a representative of the commercial use of the Internet that binds the world as a global village, among which a shopping mall with a concept of a department store can be considered. E-commerce is increasingly used due to the advantages that it is convenient to use as a product in the cyber space, and that people who are older or uncomfortable can use it very conveniently.

However, securities such as gift certificates and tickets sold or traded on the Internet, or prepaid products that have the characteristics of securities, were sold in the form of delivery to consumers by courier within 1 to 3 days when payment was made. The delivery of the prepaid goods on the spot is delivered to the buyer through courier, which incurs a separate logistics cost and the inconvenience of not being able to use the prepaid goods purchased until the goods are delivered even if payment is made.

Accordingly, the present invention has been invented to solve the above problems, when the payment for the prepaid product sold through the Internet or a network is made, providing the buyer with a usage number indicating the right to use the prepaid product in kind prepaid product The object of the present invention is to provide a method of selling a prepaid product in which the product can be used immediately by the purchaser even if it is not available.

In order to achieve the above object, the present invention provides a prepaid product sales system for selling various prepaid products over the Internet or a network: when a particular prepaid product is selected by an Internet user connected to a product sales server for selling prepaid products A first step of requesting input of information for payment of the prepaid product; A second step of requesting approval of the payment by transmitting the credit card information or the bank account information for payment of the prepaid product selected in the first step to a payment server of a credit card company or a bank; A third step of accessing a product information database and retrieving a use number indicating a use right of a corresponding prepaid product when the payment is approved in the second step; And a fourth step of coding the usage number of the prepaid product retrieved in the third step into a two-dimensional bar code having different heights and transmitting the code to a buyer and storing the sales information of the prepaid product in a sales information database.

In addition, the prepaid product selling method is to classify the prepaid product according to the type, price, use, object of use, etc. of the product so that the purchased prepaid product can be sold, and the product with the use number indicating the right to use the prepaid product And storing in the product information database of the sales server.

On the other hand, the use number of the prepaid product retrieved from the product information database is characterized in that it is transmitted to the buyer via SSL (Secure Socket Layer) and SET (Secure Electronic Transaction) security protocol.

In addition, the prepaid goods are: international calling cards, public phone cards, membership cards, prepaid cards, seat tickets, transportation tickets, lodging tickets, reservation tickets, admission tickets, gift certificates, membership tickets, preferential tickets, It is characterized in that at least one of discount ticket, parking ticket, passage ticket, travel ticket, invitation card, sale ticket.

1 is a configuration diagram showing a prepaid product sales system to which the present invention is applied;

2 is a flowchart showing a method of selling a prepaid product according to the present invention;

3 is a view for explaining a usage number transmission method shown in FIG.

4 is a view showing an apparatus for reading a barcode shown in FIG. 3;

5 is a flowchart showing a method of reading a bar code shown in FIG.

Explanation of symbols for main parts of the drawings

11: user 20: operator

21: Web server 22: product sales server

23: Electronic payment system 31: Manufacturer

41: credit card company 42: financial EDI network

43: bank

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

1 is a schematic diagram illustrating a system for selling prepaid goods according to the present invention, wherein a computer of a user 11 is connected to a web server 21 of an operator 20 through the Internet or a network. The web server 21 The user computer connected to) transmits the purchase intention and the settlement intention of the user to the prepaid product being sold by the operator 20 to the product sales server 22 through the web server 21.

On the other hand, the product sales server (shopping mall server) 22 is responsible for the sale and payment of prepaid goods at the request of the user (11). That is, when the payment for the prepaid product is made, the product sales server 22 transmits the use number indicating the right of use of the prepaid product, for example, the card number of the international calling card, to the user's computer through real time or e-mail. The buyer of the prepaid product should be able to use the prepaid product immediately even if there is no spot.

In order to perform the sale and settlement of the prepaid goods in this way, the product sales server 22 is connected to the product information database and sales information database, the product information database stores the product information for the prepaid products for sale by the operator The sales information database stores sales information about prepaid products approved for payment.

Meanwhile, the web server 21 and the product sales server 22 transmit the payment information (credit card information / bank account information) and billing information transmitted from the user computer to the corresponding domestic and foreign credit card companies 41 or the bank 43. The electronic payment system 23 for requesting the approval of the payment and notifying the product sales server 22 of the result is connected, and the payment server of the credit card company 41 and the bank 43 is connected to the financial EDI network 42. Are connected to each other via

In addition, the electronic payment system 23 for requesting payment approval by transmitting billing information to the credit card company 41 or the bank 43 together with the payment information transmitted from the user computer is a gateway (PG) and a customer information. It is composed of CICS (Customer Information Control System).

The payment gateway (PG) receives the credit card information or bank account number from the user computer according to the payment method and inquires to the credit card company 41 or the bank 43, and CICS (Customer) composed of a database and a maintenance system Information Control System) is configured to process information input through each terminal and server at the same time.

In addition, the electronic payment system 23 has a built-in billing machine to perform a billing (billing) operation, and also secures a layer of SSL (Secure Electronic Transaction) and secure socket layer so that personal information such as card number and password are not hacked. Secure Socket Layer protocol) can ensure the safety of electronic commerce through the Internet or network.

Meanwhile, the prepaid goods sold by the present invention include "international calling cards, public calling cards, membership cards, prepaid cards, seat tickets, transportation tickets, tickets, coupons, preferential tickets, lodging tickets, transportation tickets (aircraft, trains, buses, passenger ships), Securities such as discount tickets, parking tickets, toll tickets, travel tickets, invitation tickets, sale tickets, etc.

Next, a method of selling a prepaid product according to the present invention applied to the prepaid product selling system configured as described above will be described in detail with reference to FIGS. 2 to 5.

First, the manager 20 registers the product information of the prepaid product in the product information database of the product sales server 22 to enable the sale of the prepaid product such as the purchased gift certificate and the ticket, etc., wherein the prepaid product is the type, price, use In this case, the service provider 20 is registered in the product information database together with the use number indicating the right of use of the prepaid product, for example, the international calling card, and the real number.

On the other hand, as shown in FIG. 2 in the state where the prepaid product to be sold is registered in the product information database as described above, the Internet user accesses the product sales server 22 of the operator 20 and selects the prepaid product to purchase (ST101). If you enter credit card information or bank account information to pay for the prepaid product, the electronic payment system 23 sends this to the payment server of the credit card company 41 or the bank 43 to request approval of the payment. (ST102-ST103).

Upon request of the electronic payment system 23, the credit card company 41 or the bank 43 determines the authenticity of the input credit card information or the bank account information to determine whether to approve the payment, and the electronic payment system 23 If the payment is approved in this way, the electronic payment system 23 transmits this to the product sales server 22 (ST104).

When the approval of the payment is notified as described above, the merchandise sales server 22 accesses the merchandise information database, searches for a usage number indicating the use right of the prepaid product, and transmits it to the buyer through real time or e-mail, and sells The sales information of the prepaid product is stored in the information database (ST105 to ST107).

On the other hand, the access number of the prepaid product transmitted to the buyer through the Internet or the network is transmitted to the buyer through the SSL (Secure Socket Layer) and SET (Secure Electronic Transaction) security protocol, the buyer of the prepaid product to the password of the prepaid product Make a note of it so you don't have to print it or forget it so you can use the prepaid product right away.

As shown in FIG. 3, in the present embodiment, the usage number and other information of the prepaid product are coded in the form of a two-dimensional bar code having a value of 0 to 9, which is easy to read and expresses a lot of information. It will be sent to the buyer via the network.

The barcode includes a Quiet Zone, Start Bar, a first control code field (CCFI), a second control code field (CCFII), an information field, an error correction code (ECC), and an end. It consists of a Bar and Quiet Zone. The front and back margins indicate the start and end of a two-dimensional bar code symbol consisting of a bar and a space, and the start bar and end bar indicate the start and end of the bar code.

In addition, the first and second control code fields display a barcode encoding method. That is, the information field, which is a pre-format field, displays the usage number of the prepaid product coded using an arbitrary encoding table and other information, and the first and second control code fields display the encoding method of such information.

That is, the usage number and other information of the prepaid product displayed in the information field are coded using a character encoding table (C Encoding Table) as shown in the following [Table 1], and the first and second control code fields (CCFⅠ). The information displayed in CCFII) is coded using a N encoding table as shown in Table 2 below.

[Table 1] C Encoding Table

[Table 2] N Encoding Table

Number Bar value 0 00 One 01 2 10 3 11 4 20 5 21 6 22 7 23 8 30 9 31

In addition, the error correction code includes two error detection and recovery codes, one of which is an erasure error or a rejection error, and the other is a substitution error. The deletion error indicates a state in which a symbol is missing, cannot be scanned or deciphered, and the replacement error indicates a state in which a symbol is known but its value cannot be read.

On the other hand, a two-dimensional bar code consisting of a plurality of bars having a different size having a value of 0 to 9 as described above can be used in one column, as shown in the figure, and also in two or more columns for the representation of more information Can be used. When two-dimensional barcodes are used in this manner, it is preferable to separate each column by using a separate bar and to place a column indicator bar in front of the stop bar of each column.

Printing a two-dimensional bar code encoding the usage number and other information of the prepaid product as described above can be used in place of the spot. That is, if a two-dimensional barcode is presented instead of the spot, the authenticity of the barcode can be determined by comparing the barcode with the sales information stored in the sales information database of the merchandise sales server 22.

In other words, when an arbitrary image including a barcode is obtained through the image acquisition unit 50 of the barcode reading system shown in FIG. 4, the image signal is converted into a digital signal by the A / D converter 60 to be converted into an image processing unit. 70 is applied. When the image signal is applied in this way, as shown in FIG. 5, the image processing unit 70 sets the region where the barcode is located in the acquired image as the ROI (ST201).

When the region of interest is set as described above, the image processing unit 70 binaries the image in the region of interest set through a binarization process, in which the brightness value of each pixel located within the set region is less than the threshold value, and becomes 1 when the value is greater than zero. In this case, the threshold is selected using a known histogram (ST202).

When the image in the region of interest is binarized, the image processing unit 70 removes blemishes existing in the region of interest through filtering using a low pass filer (LPF) or a median filter (ST203), and at the time of printing. Skew of the generated barcode is corrected (ST204). Such skew correction can be performed by selectively adopting various algorithms already known in the field of image recognition.

On the other hand, when the distortion of the barcode generated during printing as described above is corrected, the image processing unit 70 separates and extracts the bar (Black Bar) located in the set region of interest (ST205). That is, the portion of the binary image having a value of "1" is a portion where a black bar is located and the portion having a value of "0" is a portion where a white bar is located. The bar located in the region of interest is extracted by considering the distribution and the direction of the pixel values of.

When the bar located in the region of interest is extracted as described above, the image processing unit 70 extracts a sample bar as a reference to calculate the value of each bar (ST206). As the first bar of the Start Bar has a value of "9", the start bar may be extracted as a sample bar.

The image processing unit 70 calculates a relative value of each bar with respect to the sample bar by comparing the heights of the sample bar and the rest of the bar extracted as described above (ST207), and codes them (ST208). .

The two-dimensional barcode data encoded as described above includes an error correction code (ECC), and the image processing unit 70 uses the error correction code to generate an error due to noise generated when the barcode is transmitted through the Internet or a network. Is detected (ST209), and if no error is found, coded two-dimensional bar code data is output (ST210). Therefore, by comparing the sales information stored in the sales information database of the merchandise sales server 22 with the two-dimensional bar code data, it is possible to determine the authenticity of the bar codes.

As described above, in the present invention, when the payment for the prepaid product ordered through the Internet or the network is approved, the prepaid purchase using the use number even if there is no spot in accordance with the use number, which is the right to use the prepaid product, to the buyer through real-time or e-mail. You can use the product immediately. Therefore, it is possible to reduce the logistics cost caused by the delivery of the spot by courier in the past, and also to facilitate the use of electronic commerce.

Although the present invention has been described with reference to one embodiment shown in the drawings, this is merely exemplary, and those skilled in the art will understand that various modifications and equivalent other embodiments are possible therefrom. Therefore, the true technical protection scope of the present invention should be defined only by the appended claims.

Claims (4)

In a prepaid product sales system that sells various prepaid products through the Internet or a network: A first step of requesting information input for payment of a prepaid product when a particular prepaid product is selected by an Internet user connected to a product sales server for selling the prepaid product; A second step of requesting approval of the payment by transmitting the credit card information or the bank account information for payment of the prepaid product selected in the first step to a payment server of a credit card company or a bank; A third step of accessing a product information database and retrieving a use number indicating a use right of a corresponding prepaid product when the payment is approved in the second step; And a fourth step of coding the usage number of the prepaid product retrieved in the third step into a two-dimensional bar code having different heights and transmitting the code to a buyer and storing the sales information of the prepaid product in a sales information database. How to sell your product. The method of claim 1, wherein the prepaid product selling method is: The prepaid goods are classified according to the type, price, purpose, and use of the goods so that the purchased prepaid goods can be sold, and stored in the product information database of the merchandise sales server together with the usage number indicating the right of use of the prepaid goods. Method for selling a prepaid product, characterized in that it further comprises a step. The method according to claim 1, The usage number of the prepaid product retrieved from the product information database is transmitted to the buyer through SSL (Secure Socket Layer) and SET (Secure Electronic Transaction) security protocol. The method of claim 1, wherein the prepaid product is: International ticket card, public phone card, membership card, prepaid card, seat ticket, advance ticket, lodging ticket, reservation ticket, admission ticket, gift card, membership card, preferential ticket, discount ticket, parking ticket, pass ticket, travel ticket Method of selling a prepaid product, characterized in that at least one of, invitation, pre-sale.