KR20010113378A - Method for payment and settlement using merchandise coupon of mobile phone on electronic commerce - Google Patents

Abstract

The present invention provides a means of payment and settlement of e-commerce using a mobile phone gift certificate

It's about how it can be used. Specifically, the user's mobile phone gift certificate

Registering the number with the payment broker; Displaying, on the e-commerce company, a user who has registered a random number to access the e-commerce company and purchase a product; Receiving, by the e-commerce company, the user's intention, receiving a random number of the user's mobile phone gift certificate; Notifying the payment broker of the random number received by the e-commerce company; Approving the transaction of the user by the payment broker notified of the random number; The approved user purchases an article from an e-commerce company; Payment for the purchased goods from the payment broker to the e-commerce company; Characterized in that consists of.

Description

Method for payment and settlement using merchandise coupon of mobile phone on electronic commerce}

The present invention relates to a method that can be used as a payment and settlement means of electronic commerce using a mobile phone gift certificate. Conventionally, in the electronic commerce on the Internet, a payment method is mainly a credit card payment or a method in which a buyer directly deposits a money into a seller's account. However, the former credit card payments may cause the misuse of personal credit information by directly exposing the buyer's credit card number on the Internet, which is relatively insecure. There is a problem that the buyer is reluctant to pay for this by making troublesome trouble such as confirmation and payment. The problem of the above payment method has been pointed out as a stumbling block for the rapid growth and activation of electronic commerce, and a safe and reliable payment and payment method is required to solve this problem.

The purpose of the present invention for solving the above problems is the current mobile phone charges

A mobile voucher, one of the payment methods, is used as a payment method in e-commerce.

By providing a method that can be used, it is safe, reliable and convenient for the user.

To provide a payment method that can be used.

1 is a block diagram of a service according to the present invention.

2 is a flowchart of a method of implementing a service according to the present invention.

3 is a flowchart of a method of registering a random number of a user according to the present invention;

4 is a flowchart of another method in which a random number of a user according to the present invention is registered.

5A to 5B are structural diagrams of an example of a data format according to the present invention.

The configuration of the present invention for achieving the above object,

Registering a random number of a user's mobile phone gift certificate with a payment broker; Displaying, by the user who registered the random number, an intention to purchase an item by accessing the e-commerce provider; Receiving, by the electronic commerce operator, the user's intention, receiving a random number of the user's mobile phone gift certificate; Notifying the payment broker of the random number received by the e-commerce provider; Approving the transaction of the user by the payment broker notified of the random number; The approved user purchases an article from an e-commerce business operator; Payment for the purchased goods is made from the payment broker to the e-commerce provider; Characterized in that consists of.

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

1 is a block diagram of a service according to the present invention, the present invention using the service

Users, telecommunications operators, e-commerce operators, and service methods according to the present invention.

Consists of payment brokers. In addition, the member is TCP / IP over the Internet.

By protocol protocol, each other's information can be connected and transmitted.

Freezing is preferred. Next, the roles and functions of the members will be described with reference to the drawings.

It is decided.

The carrier according to the present invention is required to issue electronic money and gift certificates.

A number (e.g., a mobile phone gift certificate serial number) is supplied to the payment broker so that the random number can be assigned to the electronic money or gift certificate sold by the payment broker. In addition, when selling the mobile phone voucher to the user through the communication network of the communication provider itself, it also plays a role of checking the random number of the voucher sold.

Here, the mobile phone gift certificate is a security that is typically issued in the form of a card with a unique number (random number) thin-filmed, and the user inputs a random number assigned to the gift certificate to the mobile phone business computing system through ARS. It can be used to pay mobile phone charges (mobile phone call charges, subscription fees, deposits, etc.) or purchase terminals and other goods at mobile phone stores.

The payment broker according to the present invention has a random number given from the carrier.

Issuing electronic money and gift certificates based on random numbers stored in the database

do. The user may purchase goods from an e-commerce provider using electronic money or gift certificates purchased from a payment broker, and may pay the user's mobile phone fee. In addition, payment brokers are users who trade electronic money or gift certificates.

Electronic money and merchants when they want to use them at businesses (Internet shopping malls, product purchase sites, etc.)

E-Commerce companies can approve gift vouchers and pay sales to authorized buyers.

You can pay the supplier.

On the other hand, the user and the e-commerce service provider according to the service method according to the present invention

It becomes the subject who buys and sells the goods. E-Commerce operators can

Transaction by requesting payment broker for approval of user's electronic money or gift certificate every hour

Once you confirm that you've been approved for, you can sell the product to users.

Purchase electronic money or gift vouchers from a payment broker or buy from a telecommunications provider.

You can use the gift voucher you purchased and pay your mobile phone bills and e-commerce providers.

Can be used to buy things.

Further, in addition to the configuration shown in FIG. 1, gift certificates between payment brokers and users

Alternatively, there may be a business related to the distribution of gift certificates dealing with the distribution of electronic money.

Distribution operators receive the user's request to purchase a gift certificate and deposit it

The payment voucher is sent to the payment broker, and the broker gives the voucher random number and account of the user.

Random number registration of users by sending it to related service providers

I can do it. In other words, distribution operators can make transactions between payment brokers and users.

Can act as an intermediate vehicle.

So far, the functions and roles of the configuration of the present invention have been described. Hereinafter, a method of implementing a service according to the present invention will be described in detail with reference to the accompanying drawings.

2 is a flowchart of a method of implementing a service according to the present invention.

Method for implementing a service according to the present invention,

(1) step 201, wherein the random number of the user's mobile phone gift certificate is registered with the payment broker;

Here, the random number refers to a random number of a gift certificate or an electronic money sold to a user from a payment broker and a random number of a mobile phone gift certificate sold by a telecommunications operator through a sales network, and these random numbers are stored in a database of a payment broker.

(2) A user who has registered a random number connects to an e-commerce provider to purchase a product.

Indicating (202) the willingness to wish to the e-commerce provider;

(3) The e-commerce provider who received the user's intention to charge the user's mobile phone

Receiving a random number of the gift certificate (203);

(4) the e-commerce provider notifying the payment broker of the random number received (204);

(5) the payment broker notified of the random number approving the user's transaction (205);

In this case, the payment broker's approval compares the random number input from the user with the mobile phone gift certificate random number registered in the payment broker's database to approve the transaction of the user when there is no difference.

(6) An authorized user may purchase goods from an e-commerce business.

Step 206;

(7) The purchase price is paid from the payment broker to the e-commerce provider.

Step 207; Characterized in that consists of.

Up to now, although the implementation method of the present invention according to the above step has been described, there may be various embodiments of the method for forming step 201 in which the random number of the gift certificate of the user is registered with the payment broker. Among them, a method of registering a mobile phone gift certificate for a case in which a user purchases a gift certificate or an electronic money from a payment broker and a user purchases a mobile phone gift certificate issued and distributed by a telecommunications operator will be described.

3 relates to a method for registering a random number with a payment broker when a user purchases a gift certificate or electronic money from a payment broker. Referring to FIG. 3, except for a process in which a random number of a user is registered with a payment broker, a method of utilizing a mobile phone gift certificate after registration is the same as described with reference to FIG. 2.

Referring to FIG. 3,

A random number is supported when the user purchases a gift certificate and electronic money from a payment broker.

To be registered as a fire broker,

(1) allocating a random number of mobile telephone vouchers issued by the telecommunication service provider to the payment broker (301);

(2) The payment broker assigned the random number shall pay the random number to the payment broker's database.

Storing (302);

(3) step 303, where the payment broker receives a request for the purchase of the mobile phone gift certificate from the user;

(4) the requested payment broker creating a account for the value of the purchase amount of the user, storing it in a database and issuing a random number to the user (304); Is made of.

According to the method described with reference to FIG. 3, a user applies for a certain amount of gift voucher to a payment broker, and the payment broker issues a random number of mobile phone fare vouchers stored in a database to the consumer at the same time. Is to create an account and save it. In other words, the mobile phone gift certificate can be changed to electronic money or gift certificate that can be used in the electronic commerce as well as mobile phone charges through this step. Therefore, the user may make an electronic commerce transaction using the issued gift certificate or electronic money.

4 relates to a method in which a random number is registered with a payment broker when a user purchases a mobile phone gift certificate issued and distributed by a telecommunications operator. Similarly to the above embodiment, the method of utilizing the mobile phone gift certificate after registration is as described with reference to FIG. 2.

Referring to FIG. 4,

When a user purchases a mobile phone gift certificate issued and distributed by a carrier, a random number is registered with the payment broker.

(1) a user purchasing a mobile phone voucher issued by a telecommunications operator, applying for registration of its random number to a payment broker (401);

(2) The payment broker who received the application transmits the random number to the telecommunications provider to inquire.

Applying (402);

(3) step 403, by the telecommunication service provider receiving the inquiry request, querying the random number and amount of the mobile phone gift certificate and transmitting the result to the payment broker;

(4) if there is no abnormality according to the inquiry result, the payment broker creates an account for the random number and the amount of the user's mobile phone gift certificate and stores the value (404);

According to the above description, it is necessary to check the random number of

As described with reference to FIG. 3, a user registered with a fire broker may use a gift certificate as a transaction price in various e-commerce as well as payment for a mobile phone fee.

Here, the mobile phone bill payment will be described in more detail as follows.

same. A user who purchases a gift certificate or electronic money from a payment broker can

You can pay your own mobile phone bill.

After retrieving and verifying the random number, store the charge. Transaction details on payment of fees

Is sent to the payment broker so that it is reflected in the user's account. A user who purchased a mobile phone voucher directly from a telecommunications operator registered a random number of vouchers at a payment broker.

Similarly, when paying fees, the service provider can make payments after authentication by the telecommunications company.

The payment transaction details are sent to the payment broker and reflected in the user's account.

We also want to add money to electronic money or gift certificates purchased from payment brokers.

In case of payment, the user accesses the payment broker and pays by credit card or direct debit.

If you do, your account will be charged and reflected. Even if a user who purchases a mobile phone gift certificate directly from a telecommunications operator registers a random number of the gift certificate with a payment broker, the charging method of the amount is the same.

5A to 5B illustrate an example of a format of data transmitted between a carrier, a payment broker, an e-commerce operator, and a user, and according to the data structure shown in FIG.

The effect of the present invention configured as described above is an advanced invention that has the effect of establishing the safety and reliability of the e-commerce and the user's payment is convenient by providing a method that can be used as a payment means on the e-commerce mobile phone bill vouchers.

Claims (5)

In the usual payment method on e-commerce, Registering a random number of a user's mobile phone gift certificate with a payment broker; Displaying, by the user who registered the random number, an intention to purchase an item by accessing the e-commerce provider; Receiving, by the electronic commerce operator, the user's intention, receiving a random number of the user's mobile phone gift certificate; Notifying the payment broker of the random number received by the e-commerce provider; Approving the transaction of the user by the payment broker notified of the random number; The approved user purchases an article from an e-commerce business operator; Payment for the purchased goods is made from the payment broker to the e-commerce provider; Payment and settlement method on the e-commerce using a mobile phone gift certificate, characterized in that consisting of. The method of claim 1, When the random number of the user's mobile voucher is registered with the payment broker, Allocating a random number of mobile phone gift certificates issued by a telecommunications service provider to a payment broker; The payment broker assigned the random number pays the random number to the payment broker's database. Storing; A payment broker receiving a mobile phone gift certificate purchase request from a user; The payment broker receiving the request creates an account for the purchase price of the user, stores it in a database, and issues a random number to the user; Payment and settlement method on the e-commerce using a mobile phone gift certificate, characterized in that it further comprises a step. The method of claim 1, When the random number of the user's mobile voucher is registered with the payment broker, A user who purchases a mobile phone voucher issued by a telecommunications operator to register its random number with a payment broker; The payment broker who received the application sends the random number to the service provider to request an inquiry. Doing; A telecommunications operator receiving an inquiry requesting the random number and the amount of the mobile phone gift certificate and transmitting the result to the payment broker; If there is no abnormality according to the search result, the payment broker creates an account for the random number and the amount of the user's mobile phone gift certificate and stores the value; Payment and settlement method on the e-commerce using a mobile phone gift certificate, characterized in that it further comprises a step. The method according to any one of claims 1 to 3, A user who purchases a gift certificate or electronic money from a payment broker can Pay your own mobile phone bill, and your service provider will look up the random number of your gift certificate. After authentication, the charges are stored, and the transaction history for payment is transmitted to the payment broker and reflected in the user's account. The method of claim 4, wherein I want to add money to an electronic money or gift certificate purchased from a payment broker In this case, the user accesses the payment broker and pays by credit card or direct debit. Payment and payment method in the e-commerce using a mobile phone gift certificate, characterized in that the amount paid in his account is reflected.