KR20010035902A - a system for electronic commerce and a method for electronic commerce - Google Patents

Abstract

PURPOSE: An electronic commerce system and a method thereof are provided to offer a convenient electronic commerce by rendering an internet store to use an interface related to an electronic commerce solution provided from various payment gateways. CONSTITUTION: A buyer(10) connects to the internet through a personal computer. A store(20) is a virtual store, and a homepage of the store(20) plays a role of the store(20). An integrating payment gateway(30) integrates a plurality of various serve payment gateways(31, 32, 33), and forms a network, and has a transaction solution having an API being provided from the serve payment gateways(31, 32, 33). The serve payment gateways(31, 32, 33) are a plurality of gateways having different service commissions, member financing institutions and commission paying dates. The serve payment gateways(31, 32, 33) are connected to the integrating payment gateway(30). VANs(41, 42, 43) are companies or systems connecting a network of financial institution to the payment gateway(30) by being connected a plurality of financial institutions(51, 52, 53).

Description

System for electronic commerce and a method for electronic commerce}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce system and an electronic commerce method, and more particularly, to an electronic commerce system and an electronic commerce method for improving a network environment between a store and a financial institution when commerce of goods is performed through the Internet.

Recently, the use of the Internet is increasing rapidly, and along with that, e-commerce on the Internet is increasing rapidly. Such e-commerce on the Internet provides a lot of convenience, such as the buyer can buy the goods without going to the store directly, and the store selling the goods can save the cost of installing the store, but the personal information of the buyer There are still challenges to be solved, such as security and the safety of commerce. In particular, in such an e-commerce, a buyer of a product purchases the product through a credit card payment, and at this time, a process for calculating the cost of purchasing the product according to the card payment between a store and a financial institution needs to be efficiently performed.

Hereinafter, a conventional electronic commerce through the Internet will be described with reference to the drawings.

1 is a flowchart illustrating a conventional electronic commerce through the Internet.

As shown in FIG. 1, the conventional electronic commerce through the Internet includes a buyer 1, a store 2, a payment gateway 3, a value added network 4, a financial institution 5. Is performed through.

The store 2 is a virtual store on the Internet, and generally the homepage of the store serves as a store. The payment gateway 3 is a payment relay system for relaying between a TCP / IP network and a VAN, which are protocols of the Internet network, and there are a plurality of payment gateways having different fees, fee payment dates, and affiliated financial institutions. VAN (4) is a company or system that is connected to a number of financial institutions to connect the network of the financial institution to the store, the financial institution (5) is a financial transaction that deals with buyers (1), such as card companies, banks, etc. It is an organ.

The process by which the purchaser 1 purchases an item through the store 2 on the Internet will be described below.

As shown in Fig. 1, the purchaser 1 accesses the server of the store 2 through the Internet using a web browser on his computer, reads the homepage of the store 2 on the web browser, and uses his credit card. Apply for the purchase of goods by inputting the information and the goods to be purchased (S1).

The store 2 requests the transaction approval of the credit card entered into the payment gateway 3 while the purchaser 1 applies for a purchase. (S2) At this time, the store 2 and the payment, which are virtual stores on the web, are requested. The gateway 3 is connected to a TCP / IP network.

Then, the payment gateway 3 requests the VAN 4 to approve the transaction of the credit card. (S3) The VAN 4 is connected to the computer networks of a number of financial institutions, and issuing financing of the card for which the request for approval is made. Check where the institution is and apply for approval to the financial institution (5). (S4)

The financial institution 5 returns the approval result of the authorization request card to the VAN 4. (S5) The VAN 4 returns the approval result to the payment gateway 3 again (S6).

The payment gateway 3 returns the approval result to the store 2 after receiving the approval result (S7), and concludes a transaction with the buyer if the approval result is a transaction permit.

After the transaction is concluded, the store 2 delivers the receipt to the buyer by e-mail, general mail, etc. (S8).

In addition, the payment gateway 3 requests the payment of the transaction price concluded with the buyer to the VAN (4) (S9), the VAN (4) requests the payment of the transaction to the financial institution (S10).

The financial institution 5 pays the transaction price to the store 2 or the payment gateway 3. The payment gateway (3) pays the fee, pays the transaction to the store and pays the fee to the VAN. (S11-1) If the store (2) receives the transaction, the fee is paid to the payment gateway (3). And VAN (4). (S11-2)

Then, the financial institution 5 charges the purchaser 1 with the transaction (S12), and the buyer 1 deposits the transaction with the financial institution 5, thereby terminating the electronic commerce through the Internet. (S13 )

Hereinafter, an operation between a store and a payment gateway in the process of performing such a conventional electronic commerce will be described, and a problem will be described.

As shown in Fig. 1, the payment gateway 3 includes a plurality of payment gateways having different service fees, fee payment dates, affiliated financial institutions, and the like. However, the buyer is a financial institution with which the buyer deals with the various payment gateways described above, so that the shop 2 must be affiliated with multiple payment gateways to trade with various buyers on the Internet. However, each payment gateway provides an API, which is a library that interfaces the store and the payment gateway, and the store creates a trading solution using each of these APIs. However, since the APIs provided by the plurality of payment gateways are different and many, there are many problems in managing and preparing a trading solution of a store and managing a homepage of a store.

Various problems occur because stores create trading solutions using various APIs provided by various payment gateways. Hereinafter, the operation of trading solutions and APIs will be described and the problems will be described.

2 illustrates the operation of a payment gateway providing an API to a store and using the API for the store.

The store 2 is connected to the payment gateway 3 through a TCP / IP network, and the payment gateway 3 connects the financial network and the TCP / IP network to relay a payment and transaction approval of an electronic commerce. The conventional payment gateway 3 provides an application protocol interface (API), which is a protocol for the store 2 to access the payment gateway 3, which is usually provided in the form of a program library so that the store 2 ) Allows you to call and use the Payment Gateway API when writing a program. As shown in Fig. 2, a store solution, which is a tool for performing a sale on a store's homepage, is executed in a store 2 in order to perform a sale. The API of the payment gateway is used as a library of the solution. Call to run the trading solution.

However, there are many problems in driving a trading solution in the store 2 and invoking and using an API in the payment gateway 3, which will be described below.

Creating a solution using the API provided by the payment gateway 3 in the store 2 by a general store manager requires a lot of time and personnel.

In addition, it is difficult to create a solution having an environment suitable for a store by using an API provided by the payment gateway 3.

In addition, due to this problem, the payment gateway 3 may provide a solution of the store 2, and there is a problem in that the store adopts this solution, and when a lot of payment gateways are serviced, There is a hassle to get the solution provided by Payment Gateway, and also to run a different solution for each transaction.

In addition, the Payment Gateway provides an API to the store, making it difficult to quickly expand and improve the functionality of the store's e-commerce solution.

In addition to these problems, there is a problem occurring between a payment gateway and a store when an international e-commerce is made. Hereinafter, the international e-commerce and its problems will be described.

3 is a flow chart of a conventional international e-commerce generation.

As shown in Fig. 3, in the conventional international e-commerce, a purchaser of a station A buyer 1 connects to a store B in the Internet on the Internet to purchase goods, and a payment gateway 3 and a station B in station B are provided. Credit card authorization and transaction payments occur between the VAN company 4, the B domestic financial institution 5, and the A financial institution 6.

Referring to the operation of the conventional international e-commerce as follows.

As shown in Fig. 3, the buyer of the station A 1 accesses the server of the station B store 2 via the Internet using a web browser on his computer to display the homepage of the store B store 2 on the web browser. Read and input your credit card information and the item you want to purchase to apply for the purchase of goods (S21).

The shop B of the shop B requests the transaction approval of the credit card entered in the shop B payment gateway 3 to the shop B of the shop B when the shop B purchases the shop 1 (S22). The shop B's store (2) and shop B's payment gateway (3) are connected via a TCP / IP network.

Then, the station B payment gateway 3 requests the credit card transaction approval to the station B VAN 4 (S23). The station B VAN 4 is connected to the computer networks of the station A financial institutions and the station B financial institutions. If the issuing financial institution of the card which requested the approval is confirmed among the financial institutions of State A, the financial institution 6 in the country A applies for the authorization request. (S24)

The financial institution 6 of State A decides whether or not the credit card of the purchaser of State A credit card is authorized, and transmits the result of authorization to the VAN 4 of State B. (S25)

The station B VAN 4 transmits the credit card authorization result to the station B payment gateway (S26), and the station B payment gateway 3 transmits the credit card authorization result to the station B store 2 (S27).

Store B (2) concludes the transaction signed by the buyer of A, if the credit card authorization result is accepted, and sends the transaction and receipt to buyer (1) by e-mail or regular mail. (S28)

The station B shop 2 requests payment of the transaction price to the station B payment gateway 3 (S29).

The station B payment gateway 3 requests payment of the transaction to the station B VAN 4 (S30), and the station B VAN 4 requests the payment of the transaction from the station B financial institution 5 (S31).

After receiving the request for payment of the transaction, the financial institution B (5) receives the transaction payment at the payment gateway (3) or the store in the B store (S32-1, S32-2).

When the B payment gateway 3 is paid for the transaction, the B payment gateway 3 deducts the fee, pays the transaction fee to the B shop (2), and pays the B payment to the BAN VAN. When the store B store 2 receives the transaction price, the store B stores the transaction fee to the station B payment gateway 3 and the station B VAN 4.

After depositing the transaction price, the B-state financial institution 5 requests the payment of the transaction price to the A-state financial institution 6 doing business with the buyer of the A-state.

The financial institution A of the state A 6 pays the settlement price to the financial institution B of the state B. (S34)

The state A financial institution 6 pays the transaction price to the buyer of the country A after paying the settlement. (S35) The buyer of the state A 1 pays the transaction price to the state A financial institution 6.

Through the above process, the conventional international e-commerce is made, but such international e-commerce has the following problems.

First, each country is building a financial computing environment suitable for its own financial environment. It is difficult for the payment gateway to provide a solution for the financial environment of many foreign countries.

Second, international e-commerce through the Internet is a form in which goods go abroad and payments come from abroad, but it is difficult to recognize this type of transaction as an export under the current global legal system. In other words, in Korea, for example, in order to be recognized as an export of goods overseas, an export letter of credit or a package receipt issued by the postmaster is required. This procedure is not only cumbersome, but also difficult to be recognized as export. As such, if the sale of goods by electronic commerce is not recognized as an export, there is a problem in that it does not receive the benefits of taxes such as tariffs.

The present invention has been made to solve such a problem, and an object of the present invention is to provide an e-commerce system and an e-commerce method having a more convenient e-commerce environment.

It is still another object of the present invention to provide an e-commerce system and an e-commerce method that enable a store on the internet performing e-commerce to use a consistent interface to e-commerce solutions provided by various payment gateways.

It is still another object of the present invention to provide an e-commerce system and an e-commerce method that can be easily adapted to various financial environments in many countries.

1 is a flowchart illustrating a conventional electronic commerce through the Internet.

2 illustrates the operation of a payment gateway providing an API to a store and using the API for the store.

3 is a flow chart of a conventional international e-commerce generation.

Fig. 4 shows an electronic commerce system of the first embodiment of the present invention.

5 is a flowchart of an electronic commerce method of the first embodiment of the present invention.

Figure 6 shows an example of the transaction price settlement method of the electronic commerce method of the first embodiment of the present invention.

Figure 7 shows another example of the transaction price settlement method of the electronic commerce method of the first embodiment of the present invention.

8 illustrates another example of a method for settlement of a transaction price by a subpayment gateway according to an embodiment of the present invention.

9 shows an electronic commerce system according to a second embodiment of the present invention.

The electronic commerce system of the present invention includes a store, a payment gateway, and a financial network on the Internet. A shopper accesses a store on the Internet by using a web browser to the store's homepage, and the buyer enters the item purchase information into an order form on the homepage, requests a purchase, and purchases the item if a transaction is approved. The payment gateway provides the order form of the store, receives the buyer's order information entered in the store, requests the buyer's transaction approval, and closes the transaction if the transaction is approved. The financial network receives the transaction approval request of the payment gateway and the order information of the buyer, checks the order information of the buyer to determine whether the buyer approves the transaction, and transmits the approval result to the payment gateway.

The financial network receives the transaction approval request of the payment gateway and the buyer's order information, and checks the buyer's order information and sends a transaction approval request signal and the buyer's order information to a financial institution that deals with the buyer entered in the buyer's order information. A VAN for transmitting the approval result to the payment gateway upon receiving the transaction approval result; It includes a financial institution that receives the transaction approval request signal and the buyer's order information from the VAN, reads and stores the buyer's financial transaction information, and determines whether the buyer approves the transaction and transmits the approval result to the payment gateway. It is desirable to.

In addition, the store and the payment gateway is preferably configured as a TCP / IP network,

The store's order form is preferably written in an HTML file,

The payment gateway preferably stores and manages the buyer's transaction information.

The store can retrieve the buyer's transaction information and the store's transaction information stored in the payment gateway.

The payment gateway has an API that is a module that interfaces with the store, and a commerce trading solution that executes a trading transaction is preferably performed at the payment gateway.

The electronic commerce method of the present invention relates to an electronic commerce system including a store on the Internet where goods can be purchased on the web, and a payment gateway for interfacing the store with the financial network. The electronic commerce method of the present invention includes the steps of a purchaser of an article accessing a store homepage on the Internet using a web browser; The buyer entering order information in the order form of the store homepage and requesting approval of the transaction; Transmitting the purchaser's order information and a transaction approval request signal to a server of the payment gateway through a TCP / IP network; A payment gateway receiving the buyer's order information and a transaction approval request and driving a trading solution suitable for the buyer's order information; A payment gateway transmitting the purchaser's order information and a transaction approval request to a financial network; The financial network determining a transaction approval of a buyer and transmitting a transaction approval result to the payment gateway; The payment gateway concludes the buyer's transaction if the financial network approves the transaction, or the payment gateway does not enter the buyer's transaction if the financial network does not approve the transaction.

An electronic commerce method according to another aspect of the present invention is based on a store on the Internet where a homepage providing server is located in a station A, a buyer of a country B purchasing a product at the store on the Internet through a web browser, and a currency of many countries. An electronic commerce system comprising a plurality of payment gateways serving, the buyer of station B accessing the station A store through a web browser; Requesting the purchase of the goods by the buyer of the country B entering the item order information on the shop A homepage displayed on the web browser; Selecting a payment gateway serving a currency that a buyer of station B wants to select as a payment currency among the plurality of payment gateways; Checking, by the selected payment gateway, whether or not the buyer approves the transaction, and closing the sale; And paying the station B store in the currency that the selected payment gateway uses as its payment currency.

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

Fig. 4 shows an electronic commerce system of the first embodiment of the present invention.

As shown in Fig. 4, the electronic commerce system of the present invention includes a buyer 10, a store 20, an integrated payment gateway 30, subpayment gateways 31, 32, 33, VANs 41, 42, 43 ), Financial institutions 51, 52, 53.

The purchaser 10 is a person who wants to purchase an item through the Internet, and the buyer 10 connects to the Internet through a personal computer or the like, as shown in FIG. 4, and connects the Internet explorer and the navigator. The same web browser is used to access the homepage of the store 20 which is a virtual shop on the Internet.

The store 20 is a virtual store on the Internet, and the homepage of the store that the buyer of the store 20 encounters on the web browser functions as a store. In the shop 20 of the present embodiment, only the purchaser 10 inputs the order information through the shop, and the sales solution for the purchase of the goods is not performed in the shop. The homepage of the store 20 has an order form provided by the payment gateway, and the order form is written in Hyper Text Mark-up Language (HTML). Order form is written in HTML can be easily changed to the desired form of the operator of the shop (20).

The integrated payment gateway 30 integrates a plurality of various subpayment gateways to form a network, and has a built-in trading solution having an API, which is a program library provided by the subpayment gateway, for each subpayment gateway. In this case, a trading solution having an API of each subpayment gateway may be individually or a trading solution having an API of each subpayment gateway may be provided. The sub-payment gateways with various service environments are combined into a network so that a store joins the integrated payment gateway to receive the services of many different sub-payment gateways. Thus, the integrated payment gateway 30 allows the store 20 to be provided with a consistent e-commerce environment. Integrated payment gateways, stores, and subpayment gateways communicate using the TCP / IP protocol.

The sub payment gateways 31, 32, and 33 are a plurality of payment gateways having different service fees, affiliated financial institutions, fee payment dates, and the like, and the plurality of sub payment gateways are connected to the integrated payment gateway 30.

The VAN 40 is a company or system that is connected to a plurality of financial institutions and connects the network of the financial institution with the payment gateway, and the financial institution 50 deals with buyers 10 who perform commerce such as card companies and banks. It is a financial institution.

Hereinafter, the electronic commerce method of the electronic commerce system of the present invention will be described.

5 is a flowchart of an e-commerce method of an embodiment of the present invention.

A buyer who wants to purchase an item through e-commerce, as shown in Fig. 4, runs a web browser on his PC (S101) and accesses the homepage of the shop 20 on the Internet. (S102) The homepage of the store If the URL is input to the web browser, the web browser connects to the server of the store, and downloads the text and image data of the store homepage stored in the server of the store and displays it on the web browser (S103).

The homepage of the store 20 of the present embodiment does not have a trading solution of the store itself, that is, an application for sale, on the conventional homepage of the store on the Internet, but only an order form for purchase of goods provided by the integrated payment gateway 30. have. Because the order form is written in HTML, even if the store's operator is not an expert, the order form can be easily modified and maintained easily. The buyer 10 enters the order information on the order form-the item to be purchased, the buyer's name, the buyer's address, the buyer's credit card information, etc.-and sends the order information to the integrated payment gateway 30 requesting the transaction to be approved. (S104)

After receiving the order information and the transaction approval request, the unified payment gateway 30 determines a sub payment gateway based on the order information of the buyer. (S105) The sub payment gateways respectively include a service fee, a fee payment date, a transaction financial institution, The payment of the transactional financial institution, etc. The integrated payment gateway 30 determines which subpayment gateway can maximize the profit in terms of service fees, fee payment dates, transaction financial institution fees, or the like. The subpayment gateway is selected by determining whether it is favorable to the buyer.

Once the subpayment gateway has been selected, the integrated payment gateway drives the trading solution with the API provided by the subpayment gateway. At this time, the trading solution may be prepared by an integrated payment gateway or provided by a subpayment gateway.

After running the trading solution, the order information and the transaction approval request are transmitted to the financial institutions 51, 52, and 53 through the subpayment gateway, VANs 41, 42, and 43. The subpayment gateway at this time is the subpayment gateway selected by the integrated payment gateway, and the VAN and the financial institution are the VAN and the financial institution affiliated with the selected subpayment gateway.

The financial institution determines whether to approve the transaction requested by the buyer based on the transmitted order information (S107).

The financial institution 50 approval result is transmitted to the payment gateway through the VAN 40. The integrated payment gateway 30 checks the transaction approval result that has been transmitted (S108), and if the financial institution approves the transaction, concludes the transaction (S109), and if not approves the transaction, does not conclude the transaction (S110). When the deal is concluded, the buyer's web browser is notified of the deal and at the same time, the buyer and the store are separately notified of the deal by e-mail. If the transaction is not concluded, the buyer is notified of the non-trading on the buyer's web browser, and at the same time, the buyer and the store are separately notified of the non-trading. The purchaser 10 checks whether a purchase of his item has been performed in a web browser or by e-mail.

After the transaction is concluded, settlement of settlements can take place in various forms: (i) how the financial institution pays the transaction to the store and the store settles the service fee; and (ii) the financial institution sends the transaction to the integrated payment gateway. Payment method, the integrated payment gateway subtracts the service fee and pays the transaction, (i) the financial institution pays the subpayment gateway, the subpayment gateway pays the integrated payment gateway, and the store pays the service fee. There is a method of paying a limited transaction price, which will be described below with reference to the drawings.

6 is a flowchart of a settlement method in which a store receives a transaction price and pays a service fee.

As shown in Fig. 6, the store 20 requests the payment of the transaction to the financial institutions 51, 52, and 53. (S112) The financial institution 51, 52, 53 requests the transaction of the transaction 20. Pay (S113), the store pays the service fee to the integrated payment gateway 30 in the payment amount received (S114), and the integrated payment gateway (S115) subpays the fee of the sub-payment gateway among the service fees received. The payment is made to the gateway (S116). The financial institution bills the buyer 10 for the payment of the transaction, and the buyer pays the transaction price to the financial institution.

7 is a flow chart of how the unified payment gateway is paid for the transaction and the unified payment gateway pays the service fee.

As shown in FIG. 7, the integrated payment gateway 30 requests the financial institution to pay the transaction (S119), and the financial institution pays the transaction payment to the integrated payment gateway 30 (S120). In operation 30, the fee of the integrated payment gateway 30 and the sub-payment gateway is subtracted from the received transaction price, and the transaction payment is paid to the store. (S121) The integrated payment gateway 30 pays the fees of the sub-payment gateway and the VAN. (S122)

8 is a flow chart of a method in which a subpayment gateway of an embodiment of the present invention is paid for a transaction to settle the transaction price and the service fee.

As shown in Fig. 8, the subpayment gateway requests payment of the transaction to the financial institution (S131). The financial institution pays the transaction payment to the subpayment gateway (S132). The service fee of the sub-payment gateway and the integrated payment gateway is paid to the store (S133). The sub-payment gateway pays the fee to the integrated payment gateway. (S134) The financial institution pays the service fee to the VAN. (S135)

The transaction price is settled by the above process.

According to the e-commerce system and the e-commerce method of the first embodiment of the present invention, the integrated payment gateway integrates a plurality of sub-payment gateways, so that a store may receive the services of the plurality of sub-payment gateways by subscribing only to the integrated payment gateways. Stores can build a convenient e-commerce environment because the integrated payment gateway handles the trading solution for multiple subpayment gateways.

Hereinafter, an electronic commerce system and an electronic commerce method according to a second embodiment of the present invention will be described with reference to the drawings.

This embodiment is directed to an electronic commerce system and method performed between shops in other countries and shoppers, such as overseas buyers buying goods in stores on the domestic Internet.

8 shows an electronic commerce system according to a second embodiment of the present invention.

As shown in Fig. 8, the electronic commerce system according to the second embodiment of the present invention is a shop A station 120, an integrated payment gateway 130, payment gateways 131 to 134 of multiple countries, and a financial network of multiple countries ( 141-144).

Station A store 120 is a virtual store on the Internet, and a web server provides a home page on the Internet, and a web server providing a home page of station A store is located in station A, and store A store 120 supplies goods through the Internet. Sell.

The payment gateway includes an integrated payment gateway 130 and payment gateways 131 to 134 of a plurality of countries. The payment gateways 131 to 134 of a plurality of countries use a currency of multiple countries as a payment currency, and an integrated payment gateway. 130 is connected to the payment gateway of a plurality of countries to connect to the store to provide a payment gateway service to the store to pay the currency of the multiple countries.

The financial networks 141 to 144 of many countries are connected to payment gateways 131 to 134 of each country to settle payment transactions according to payment gateways of each country and e-commerce.

Hereinafter, the electronic commerce method of the present embodiment will be described with reference to the drawings.

As shown in Fig. 8, the buyer 110 of station B runs a web browser on his / her PC and inputs the URL of the station A shop 120 on the Internet to the web browser, and the web browser is a server of the shop A shop. Access to the homepage of the store of station A and display it on a web browser.

The homepage of station A shop 120 has an order form provided by the payment gateway. Buyer B 110 determines the items they want to purchase from the homepage of the store A, and enters the order information in the order form of the homepage of the store A. The order information includes the goods, the buyer's address, the buyer's name, Credit card information, and the like.

After entering the order information, the buyer 110 transmits the order information to the integrated payment gateway 130.

The integrated payment gateway 130 determines which sub payment gateway to select. The subpayment gateway of the present embodiment is composed of subpayment gateways of multiple stations having different payment calls, and the subpayment gateway of the multiple stations may also have different service fees. The integrated payment gateway 130 selects a subpayment gateway by determining which subpayment gateway is advantageous in terms of taxes, fees, fee payment dates, exchange rates, and the like. The unified payment gateway 130 may select a subpayment gateway of station B or a subpayment gateway of station C, which is a third station. The integrated payment gateway 130 may benefit from the difference in the financial infrastructure (infra), such as taxes, service fees, due date of payment according to the selection of the sub-payment gateway. In particular, when the buyer of the B country selects the payment gateway 132 of the B country, the transaction fee is settled only through the B country financial institution, and thus, the fee is reduced. In addition, when the transaction price is settled through the B payment gateway 132, the A shop 120 facilitates the export verification, thereby generating financial benefits.

The integrated payment gateway 130 loads and operates the trading solution of the selected payment gateway after receiving the purchaser's order information. The integrated payment gateway 130 has a trading solution for each payment gateway, and each trading solution includes an API, which is an interfacing library provided by each payment gateway.

The integrated payment gateway 130 requests transaction approval while transmitting order information to the financial institutions 141 to 144 of the selected payment gateway through the selected payment gateway.

The financial institutions 141 to 144 determine whether to approve a transaction based on the buyer's financial information and order information stored in the financial institution, and transmit the result to the integrated payment gateway 130.

The integrated payment gateway 130 concludes the transaction if the financial institution approves the transaction, and does not enter into the transaction if the transaction is not approved. The conclusion of the transaction is displayed to the buyer on a web browser or notified by e-mail.

After the transaction is concluded, the store A shop 120 requests payment of the transaction to the selected payment gateway. The selected payment gateway pays the store A 120 in the currency used by the payment gateway, and the payment gateway setstles the transaction price with the financial institutions 141 to 144 that deal with the payment gateway. 141 ~ 144) bill the buyers of the transaction in State B, and the buyer in State B pays the transaction to the financial institution.

By the above process, the buyer can use the currency that the buyer wants as the payment currency, select the payment gateway that is advantageous to the buyer, and the store can download and install a simple order form on the homepage to provide the buyer with various payment gateway services. Can provide.

The present invention is not limited to the above-described embodiments, and various changes can be made without departing from the technical scope of the present invention.

According to the present invention, an electronic commerce system and an electronic commerce method having a more convenient electronic commerce environment can be provided.

In addition, the integrated payment gateway integrates multiple subpayment gateways, so that a store can receive the services of multiple subpayment gateways by subscribing only to the integrated payment gateway, and the integrated payment gateway can handle the trading solution of multiple subpayment gateways. Stores can therefore build a convenient e-commerce environment.

In addition, it is possible to provide an e-commerce system and an e-commerce method which can be easily adapted to various financial environments in a plurality of countries.

Claims (22)

A shop on the Internet where a buyer connects to the store's homepage through a web browser, the buyer requests purchase by inputting item purchase information in an order form on the homepage, and if there is a transaction approval, closes the store; Provides a consistent trading environment in the store by providing an order form of the store, selects a subpayment gateway suitable for the buyer's order information by receiving the buyer's order information entered in the store, and interfaces with multiple subpayment gateways An integrated payment gateway configured to execute a trading solution of a selected sub-payment gateway when the transaction is approved and to conclude a transaction; A plurality of sub-payment gateways receiving the transaction approval request and the order information of the integrated payment gateway and transmitting the transaction approval request and the order information to the corresponding financial network; A financial network that receives the transaction approval request of the subpayment gateway and the order information of the buyer, checks the order information of the buyer to determine whether the buyer approves the transaction, and transmits the approval result to the integrated payment gateway. E-commerce system comprising a. In claim 1, The integrated payment gateway, The sub payment gateway is selected in consideration of taxes, service fees, exchange rates, types of services, etc., and selects sub payment gateways in favor of the integrated payment gateway. The trading solution is provided by a selected subpayment gateway. In claim 1, The financial network Receives the transaction approval request of the subpayment gateway and the buyer's order information, and confirms the buyer's order information and transmits the transaction approval request signal and the buyer's order information to a financial institution that deals with the buyer entered in the buyer's order information. And a VAN for transmitting the approval result to the subpayment gateway when the transaction approval result is received; The financial institution that receives the transaction approval request signal and the buyer's order information from the VAN, reads and stores the buyer's financial transaction information, and determines whether the buyer approves the transaction and transmits the approval result to the subpayment gateway. E-commerce system comprising a. In claim 1, An electronic commerce system comprising a TCP / IP network between the store and an integrated payment gateway. In claim 1, The order form of the shop is e-commerce system, characterized in that written in the HTML file. In claim 1, The integrated payment gateway, E-commerce system, characterized in that for storing and managing the transaction information of the buyer. In claim 6, The store may retrieve the buyer's transaction information and the store's transaction information stored in the integrated payment gateway. In claim 1, The integrated payment gateway has a trading solution with an API that is a program library that interfaces with the subpayment gateway, the trading solution having a trading solution for each of the plurality of subpayment gateways, Wherein said trading solution is performed by said integrated payment gateway. In claim 1, The integrated payment gateway, After the transaction between the buyer and the store is concluded, the transaction price is requested from the financial network, and after receiving the transaction payment from the financial network, the electronic commerce system paying the transaction price and fee to the store and the subpayment gateway. In claim 1, The store, after the transaction between the buyer and the store is concluded, requests the transaction price from the financial network now, and receives the transaction price from the financial network, and then pays the fee to the integrated payment gateway and the sub-payment gateway. . In claim 1, Order information of the buyer, An electronic commerce system comprising credit card information used by a buyer. In an e-commerce system comprising a store on the Internet that can purchase goods on the web, and an integrated payment gateway that interfaces with the store and the financial network, A first step in which a purchaser of the item accesses a shop homepage on the Internet using a web browser; A second step in which the buyer inputs order information on the order form of the store homepage and requests approval of the transaction; A third step of transmitting purchase order information and a transaction approval request signal to a server of the integrated payment gateway through a TCP / IP network; A fourth step of the integrated payment gateway receiving the buyer's order information and the transaction approval request, selecting a subpayment gateway suitable for the buyer's order information, and driving a trading solution of the selected subpayment gateway; A fifth step of the integrated payment gateway transmitting the purchaser's order information and a transaction approval request to a financial network through the subpayment gateway; A sixth step of the financial network determining the transaction approval of the buyer and transmitting a transaction approval result to the integrated payment gateway; If the financial network approves the transaction, the integrated payment gateway closes the buyer's transaction; if the financial network does not approve the transaction, the integrated payment gateway does not enter the buyer's transaction. Including e-commerce methods. In claim 12, An eighth step of the integrated payment gateway displaying whether or not a purchaser concludes a transaction on a web browser connected to the homepage of the store; Step 9, wherein the integrated payment gateway notifies the buyer by e-mail of whether the buyer has concluded a transaction E-commerce methods that include more. In claim 13, A tenth step in which the integrated payment gateway stores transaction information of the buyer in a server of the integrated payment gateway; E-commerce methods that include more. The method of claim 14, The store further comprises an eleventh step of accessing the server of the integrated payment gateway to retrieve and confirm the buyer's transaction information. In claim 12, The order form of the shop homepage is written in HTML, characterized in that provided by the integrated payment gateway. In claim 13, The trading solution of the selected subpayment gateway of the fourth step is embedded in the integrated payment gateway, and the trading solution includes an API provided by the subpayment gateway. In claim 12, And a fourteenth step of applying for the service of the payment gateway by a store that wants to receive the service of the payment gateway before the first step. In claim 12, A fifteenth step in which a store requests payment to the financial network when a transaction is concluded in the seventh step; Step 16, wherein the financial network pays the transaction price to the shop; Step 17, the store pays the integrated payment gateway and the sub-payment gateway; E-commerce method comprising a. In claim 12, An eighteenth step in which the integrated payment gateway makes a request to the financial network when a transaction is concluded in the seventh step; A 19th step in which the financial network pays a transaction price to the integrated payment gateway; Step 20, the integrated payment gateway pays the transaction price to the store and pays a fee to the sub-payment gateway; E-commerce method comprising a. Stores on the Internet where a homepage providing server is located in station A, buyers in country B who purchase goods in the stores on the Internet through a web browser, a plurality of subpayment gateways serving on the basis of currencies of multiple countries, and the plurality of subpayments In an e-commerce system comprising an integrated payment gateway that interfaces with a gate, A twenty-first step of allowing a buyer of country B to access the shop of station A through a web browser; A twenty-second step of requesting a purchase of a product by the buyer of the country B while inputting the order information of the shop of the country A displayed on the web browser; The twenty-third step, wherein the integrated payment gateway receives the purchaser's order information and the purchase request and selects a sub-payment gateway using a suitable currency as the payment currency; Step 24 of driving a trading solution provided by the subpayment gateway selected by the integrated payment gateway; A step 25 in which the integrated payment gateway confirms whether the purchaser approves the transaction and concludes the sale; Step 26 of making a payment to a station B store in a payment currency of the selected subpayment gateway; Including e-commerce methods. The method of claim 21, In the twentieth step, An electronic commerce method comprising selecting a subpayment gateway serving a currency of a B station.