KR20110001203A - System and method for protecting electroniccommercial by delivery verification - Google Patents

Abstract

PURPOSE: An e-commerce trading protection system through confirmation of delivery and a system thereof are provided to protect other all transaction parties even if problem occurs in one among transaction parties of a product. CONSTITUTION: At least one consumer terminals purchases a product through a shopping mall server system(1). A payment proxy system performs price payment(2). The payment proxy system transmits payment information to a shopping mall server system and a matching service system(7). The shopping mall server system provides purchasing information and the payment information to a delivery company system. After consumer receives the product, the payment proxy system pays product price to a shopping mall(9).

Description

E-Commerce Transaction Protection Method and System by Delivery Confirmation {SYSTEM AND METHOD FOR PROTECTING ELECTRONICCOMMERCIAL BY DELIVERY VERIFICATION}

The present invention relates to a method for protecting e-commerce transactions through delivery confirmation.

The present invention relates to a system and method for protecting an e-commerce transaction made online such as the Internet. More specifically, the product order and payment is made online and the payment is maintained by a third party, and then by courier service. When the goods are delivered to the buyer and confirmed by the buyer, the e-commerce system in which payment from the third party is delivered to the seller eliminates the time delay incurred by the buyer, which facilitates the payment process between the buyer and the seller. The present invention relates to a new e-commerce trading protection system and method for actively protecting the payment side while allowing payment.

In recent years, with the development of two-way communication systems such as the Internet and the World Wide Web, sellers display goods online, buyers order online, and through bank online payment or payment gateway (PG) When paying with a credit card, electronic commerce, in which goods are delivered to buyers by mail or courier service, has become popular. However, such electronic commerce has problems such as the fact that when a buyer selects a product, the e-commerce does not directly touch and see the product, and there are gaps between the payment point and the receipt point of the product for several days.

In other words, the buyer may receive a different item than the ordered online, and may not receive the item after payment. In this case, the damage will be incurred not only by the buyer but also by a bank, credit card company, or PG company, who may have already paid for the goods through the payment process. Therefore, there has been a need to supplement this to protect buyers.

Thus, in order to protect the buyer between the buyer's order of goods and the receipt of goods after payment, a system in which a third party intervenes in the payment process has been developed. For example, Korean Patent Application No. 10-1999-0066752 (Patent Holder: Auction Co., Ltd.) discloses a patent publication entitled "Method for Protecting Trading in a Communication Transaction Using a Computer Network System". If the payment is sent to the account specified by the computer, and the seller sends the goods and the buyer sends confirmation information on whether the goods are normal, the purchase price is paid when the goods are deemed to be normal delivery. Remittance to the account, and when the seller confirms that the seller has returned the goods, the money is remitted to the buyer's account.

This can be regarded as a kind of trade protection system by a third party, commonly referred to as escrow service. FIG. 1A is a schematic block diagram showing the flow of cash payments between the subjects of a typical e-commerce system via such an escrow service or electronic payment system. As shown, the consumer (purchaser) 1 accesses a web page that the server system of the shopping mall (seller) 3 establishes, for example, on a world wide web, and purchases a merchandise using his terminal. This is delivered offline to the consumer, for example, by mail or courier. It usually takes a few days from the purchase of a product to the receipt of the goods, followed by several days until the money is remitted to the seller. That is, the purchaser 1 transfers the price of the goods to the account of the escrow service, and the payment is made through the PG. The seller 3 charges the authorization amount to the escrow service system 2 and the PG company charges the bank or card company 4 for the card approval amount. The escrow service system 2 pays the price to the seller 3 when the purchaser 1 inputs confirmation information confirming receipt of the goods and intention of payment approval.

In general, in the online shopping mall where online commerce takes place, it is common for a large number of sellers to sell products under a contract with a shopping mall manager. In the case of sellers, it is necessary to bear the inconvenience that the receipt of the goods price is delayed by the above escrow service. In other words, if the buyer receives the goods but does not access the online shopping mall and input the information, the receipt of the goods price is delayed. In addition, in the case of PG which relays the credit card payment of most online transactions, if the buyer pays with the card, even if the seller does not send the goods to the buyer, the account is designated by the shopping mall within the next day of the payment date or within 6 days of the payment date. You have to pay. In other words, there is a problem that the PG company is likely to be damaged if the seller makes a default without sending the goods. Thus, if the shopping mall orders the seller to deliver the goods and fails the seller, the seller may be damaged, if the seller is damaged, the logistics company may be damaged, and if the mall fails to send the goods, There is a problem that consumers, product providers, and PG companies are suffering from the damage caused by consumers and the PG (card payment agency) taking the damage. Therefore, the need for a technology that enables smoother transactions and protects each participant such as buyers, sellers, and third-party (Escrow / PG) logistics companies by eliminating or reducing time delays incurred in the e-commerce process. There was.

For example, in the registered publication of "Incentive Escrow E-Commerce System" of Korean Patent Application No. 10-2000-0074472 (Patent: Lim, Sung-Sik), "Buyer takes over goods (information to shopping mall by delivery company). By providing an incentive according to the period of confirming the intention to approve the settlement of the payment). However, this is still a technology that respects only the intention of the buyer and its effectiveness is questioned. Therefore, there is still a need to ensure that the purchaser has objectively acquired the goods regardless of the intention of the buyer and that the purchase price can be remitted to the seller promptly unless there is a return intention.

In order to compensate for this, for example, Korean Patent Application No. 10-2001-0019968 (Applicant: Nexvitek Co., Ltd.) discloses a system for and method of protecting e-commerce transaction service using a messenger. At the time of purchase, after the buyer transfers the money to the financial institution account of the designated escrow service and the goods are delivered to the buyer by the courier with the courier company, the forwarder completes the delivery to the escrow service system through the courier information terminal. A technology is described in which information is entered and payment is transferred from the financial institution account of the escrow service to the seller's account. Here, if the buyer refuses to receive the item due to a defect in the sale, the forwarder notifies the escrow server through the courier's information terminal, and the messenger escrow server posts it or notifies the seller so that the coordination can be made between the parties. . In this technique, when there is no intention of rejection of the purchaser upon completion of delivery, the delivery completion information is inputted by the carrier and the courier's intention, regardless of the intention of the purchaser, and the sales price can be remitted to the seller based on this.

However, in Nexvitek's technology, there is a problem that it is difficult for the buyer to confirm whether or not the buyer's intention is accurately communicated, which may lead to the buyer's dissatisfaction. Since it may be necessary to enter the delivery confirmation information, there may be a time difference between the completion of the delivery and the input of the delivery completion information.There is also a problem. In some cases, the seller may reassure the buyer that the delivery is delayed for some reason and then intercept the price after entering it using an incorrect invoice number. Deposit the goods minus the mediator function As a system that respects only the intentions of female consumers, there is no shopping mall countermeasure for malicious consumers, so if a customer receives a product and not informs the customer that it has been delivered, the shopping mall cannot receive payment. For some reason, the seller does not press the purchase confirmation for a very long time, so the seller has a lot of troubles, and there are many cases where the payment is not received during the confirmation period. This alone can be a huge blow to sellers through "auctions." In the case of shopping malls that sell reservations, the reason for making reservations can be sold out as soon as they release items that consumers want but are hard to find. There are various cases, such as a reservation in advance, and there is also a case of receiving a kind of joint purchase that promises a price reduction after confirming that a certain quantity is sold. At this time, if you only get a reservation and can't get the money, I wonder if you can pay for the huge prize. Even if you have a lot of money in the shopping mall, if you make a reservation in advance and cancel the purchase using the escrow system one day before the product is released, the products will directly damage the shopping mall.

Therefore, regardless of the buyer's intention, the buyer's return intention can be delivered accurately and promptly, while promptly confirming that the buyer has received the goods objectively and reliably, so that the purchase price can be quickly transferred to the seller and the buyer's There is still a need for an e-commerce protection system in which intentions can be respected and shopping malls can be protected by malicious consumers.

Fig. 1B shows a schematic diagram of this current e-commerce. When a consumer purchases a product at a shopping mall and pays for the product, PG will send the product price to the shopping mall. Currently, PG will settle the shopping mall with only payment information. That is, whether a shopping mall delivers a product or not, a payment is automatically paid to the shopping mall after a certain period of time passes. If the shopping mall is a direct delivery product, it is delivered to the consumer through the logistics company immediately.If multiple suppliers enter the shopping mall instead of the direct delivery product and sell the goods, the supplier has a separate supplier for each product, so the supplier sends the goods through the logistics company. Done.

However, in this case, since the shopping mall pays the goods to the supplier after receiving the product price, if the shopping mall goes bankrupt immediately after the payment, the consumer may not be able to receive the purchased goods. If the shopping mall goes bankrupt, the supplier may only supply goods and not receive payment from the shopping mall. In addition, even if the shopping mall is not bankrupt, if the consumer does not press the purchase confirmation button, the payment is delayed, and if a relatively superior shopping mall postpones payment, the product provider, who is weaker than the shopping mall, is under severe financial pressure. You can get it. If a PG company cancels a card payment because a consumer does not receive a product while paying a shopping mall, the PG company or the card company should be responsible for the payment.

FIG. 1C illustrates a case where payment by a consumer is made through a PG company and a case where a cash is made through an escrow. In either case, the settlement is similar to that of FIG.

An object of the present invention is to provide a system that can protect all of the trading subjects in order to overcome the disadvantages described above.

In order to achieve the above object, the present invention provides an e-commerce sales protection system through the delivery confirmation, the e-commerce sales protection system is connected to each other by a communication network capable of two-way communication, e-commerce shopping mall server system, at least one And a payment agent system and a transportation company system for payment and temporary management of a product price through a consumer terminal (cell phone, PDA, etc.) or an e-mail, wherein the shopping mall server system includes the shopping mall server system. Provides a service for purchasing a product by accessing the product, and the payment for the purchase of the product is made through the payment agent system, and the payment agent system transmits the payment information to the shopping mall server system and the matching service system. , The shopping mall server The system provides the purchase information and the payment information to the carrier system after the consumer's payment, so that the goods are shipped, and after the consumer receives the goods through the carrier system, the payment agent system receives the delivery completion information. The payment agent system may be to pay the product price to the shopping mall based on the purchase information, payment information, and delivery information.

The carrier company system may transmit the goods receipt completion and payment approval information to the payment agency system and the shopping mall server system.

The carrier system is actually connected to a terminal possessed by a carrier carrying the goods to the consumer, and the consumer is configured to transmit the goods confirmation and payment approval or return intention to the payment agency system through the terminal of the carrier. Can be.

The payment agent system may receive delivery confirmation information directly from the consumer by requesting delivery confirmation to the consumer terminal or the like at the time of completion of delivery.

 The payment agent system may receive the delivery completion information received by the shopping mall server from the shipping company system from the shopping mall server system.

That is, the payment system is connected to the terminal possessed by the carrier carrying the goods to the buyer, the buyer includes the step of transmitting and receiving the goods confirmation and payment approval doctor or return doctor through the terminal of the carrier to the system; Can be.

The shopping mall may include one or more goods suppliers supplying goods, and may deliver a delivery request to a goods provider server when a delivery request comes to the shopping mall server.

The payment agency system transmits the actual payment price to the financial institution system, and the financial institution system pays a fee to the payment agency system and the shopping mall and pays the goods price excluding the fee of the financial institution system among the shopping malls and shopping mall suppliers. It may be to provide to either.

The amount paid by the consumer is paid to the settlement agent system excluding the commission of the financial institution system through the financial institution system, and the settlement agency system provides the amount excluding any fees to any one of the shopping mall and the goods supplier of the mall. It may be.

In addition, the e-commerce transaction protection through the delivery confirmation, including the e-commerce shopping mall server system, at least one buyer terminal, a payment agent system for managing payments and commodity price, a carrier company system connected to each other through a communication network capable of bidirectional communication A method comprising the steps of: at least one purchaser terminal connecting to the shopping mall server system to purchase a product; Payment for the product purchase is a payment step made through the payment agency system; Transmitting the information on the purchase and the information on the payment to the shopping mall server system; The shopping mall server system transmitting and receiving the goods dispatch request information regarding the purchase to the transport company system; Buyer receiving the goods through the carrier company system to complete the receipt of the goods and the payment approval or return of goods to the payment agent system; The payment agent system may include determining that delivery is completed by matching delivery information with purchase information.

The goods receipt completion information may be transmitted to the payment agency system through the carrier system.

The goods receipt completion information may be the payment agency system directly sends and receives from the buyer terminal by requesting the goods receipt completion information to the buyer terminal of the buyer.

After the payment agent system confirms that the delivery is completed, the payment agent system may further include remitting the price of the item excluding the general fee to any one of a shopping mall and a provider providing the goods to the shopping mall.

After the payment agent system confirms that the delivery is completed, the financial institution system may further include remitting the price of the item excluding the general fee to any one of a shopping mall and a provider providing the goods to the shopping mall.

The invention as described above has the effect of providing an electronic trading system and method in which any other trading subject can be protected even if a problem occurs in any one of the trading subjects of the article.

Hereinafter, with reference to the accompanying drawings will be described in detail the present invention. 2 shows a safety purchase method connected to a logistics company for a safe purchase. When a consumer purchases a product in a shopping mall, the product purchase information is transferred from the shopping mall to the PG company, the PG company requests a payment to the consumer, a payment window is displayed, and the consumer makes a payment using a payment method such as cash or a card. In the present invention, for the sake of explanation, collectively referred to as PG company, PG company refers to the agent for the settlement and can be replaced by any entity for the current escrow or other settlement.

When the shopping mall receives the information that the payment has been made by the consumer, the shopping mall passes the product to the logistics company and instructs delivery, and the logistics company delivers to the consumer. When the delivery is completed, the logistics company receives confirmation that the goods have arrived to the consumer. After this confirmation, the logistics company sends the delivery completion information to the shopping mall, and PG completes the delivery of the goods to the courier to pay the goods to the logistics company. You can also get information directly. Or, when the delivery is completed, the logistics company sends the delivery completion information directly to the PG company.

When PG confirms that the consumer has received the shipment, PG will pay the mall.

However, if there is a problem with the sales information and shipping information, PG will request a reply from the consumer. If there is no problem as a result of the consumer's reply, PG will pay the mall and if there is a problem, the payment will be made until the problem is resolved. Will be withheld and paid after the issue has been resolved. However, when the consumer does not respond, the period is determined from the delivery date, and if there is no response within the corresponding period, the PG company pays the shopping mall.

In other words, in the past, when a consumer makes a payment, PG transfers the money to a shopping mall where the consumer purchased the product, but the shopping mall becomes insolvent, causing a bankruptcy, and the consumer cancels the card payment and does not receive the goods. PG company has to request a return to the bank mall that has been defaulted, but this is not easy, so PG company or the card company bears all of these damages, but in the present invention, the card payment of the consumer is canceled because the payment is made after confirming that the goods have been delivered to the consumer. If you do not have a problem. To this end, when a consumer initially pays a price, a pre-contract can be made that the customer-PG company pays the shopping mall after confirming the delivery. 3 shows this in a flowchart.

Figure 4 shows another embodiment of the present invention. In FIG. 4, the method is the same as the method of FIG. 2 until the consumer purchases an item in a shopping mall, requests a payment from the PG company, and the customer makes a payment and then delivers it to the consumer. However, at the time when PG expects delivery to the consumer, PG will ask the consumer who purchased the item whether the shipment has been completed. In this case, when the customer asks the customer whether or not the delivery is completed by using an equivalent means of e-mail or telephone, the consumer may not check the e-mail, so the customer is inquired several times. For example, inquiries about whether the delivery is completed after 2 ~ 3 days after delivery of the goods by e-mail, mobile phone letter, or telephone. Afterwards, the 2nd inquiry will be 3-4 days later, and the 3rd inquiry will be the same as 1st after 3-5 days. Or it could be in a more advanced direction. That is, the carrier is connected to the terminal possessed by the carrier carrying the goods to the buyer, the buyer may include transmitting and receiving the goods confirmation and payment approval doctor or return doctor to the system through the terminal of the carrier.

The customer will receive a delivery confirmation and PG will pay the shopping mall. If there is a difference between the reply sent by the consumer and the original purchase information, the PG can hold the payment until the problem is resolved. If there is no reply after that, it may be regarded as confirmed by setting a certain period of time. The delivery confirmation will come directly to the consumer, which may be made under a contract between the consumer and the PG upon initial payment. FIG. 5 is a flow chart showing the progress of FIG.

Figure 6 shows another embodiment according to the present invention. In FIG. 4, the consumer purchases a product in a shopping mall, requests a payment from a consumer at a PG company, and delivers the product to the consumer after the consumer pays the same as in the method of FIG. 2. However, after the delivery is made, the logistics company transmits the delivery completion information to the shopping mall, and the shopping mall requests payment to the PG company including the delivery completion information received from the logistics company.

The PG company checks whether there is a problem in the transaction by combining the purchase information, the delivery completion information, and the payment information. However, if there is no problem, PG will pay the shopping mall immediately. If there is a problem, PG will suspend the payment until resolution. In case of abnormality, the customer is contacted to check whether the problem is completed. If the customer is unresponsive, a certain date is set, and if there is no response by that time, it is judged as confirmed.

7 shows a flowchart illustrating such a purchase method.

8 shows another embodiment. After the consumer purchases the goods, pays for the product, and receives the delivery, PG requests shipping information from the shopping mall. PG requests the shopping information from the shopping mall to pay for the goods. Will be sent.

At this time, the shopping mall side may provide the product delivery completion information to the PG company in order to receive the product price. In addition, the logistics company can have the delivery complete information directly to the PG company. In this way, the delivery information can be cross-checked by exchanging each other between consumers, shopping malls, and PG companies. Then, if there is an error between the delivery information and the purchase information, the confirmation is the same.

In addition, it is possible to minimize the possibility of a problem by finally setting before the final payment of the commodity price to the seller to enable the buyer to confirm.

9 shows a flowchart of this purchasing method.

10 shows another embodiment. FIG. 10 illustrates a case in which a shopping mall has a plurality of product providers in a shopping mall rather than directly buying and selling a product. When a consumer decides to purchase a product from a large number of product providers in a shopping mall and completes a payment through PG, PG sends information about the payment. Since the actual amount is deposited in a bank or card company, the card company / bank The company pays the fee for the payment to the PG company, remits the portion of the total price of the mall to the shopping mall, and also transfers the remaining payment to the supplier except for the card company / bank's own fee. At this time, if the shopping mall receives a fee or the supplier receives the goods price, the shopping mall requests the supplier for delivery and delivers it to the consumer through the logistics company.

In addition, the commission payment and payment to each subject for the safe transaction may be after the consumer receives the goods and confirmed the receipt of the goods to the PG shopping mall. With this configuration, even if any one of the PG company shopping mall providers goes bankrupt, it is possible to prevent the consumer from paying only the price and not receiving the goods.The shopping mall or the PG company can receive the commission immediately after the supply of the goods. Vendors who supply products to the company will be able to receive payment immediately after the receipt of goods is confirmed after breaking the practice of receiving payment from the PG company or the shopping mall. If the PG company's financial strength is weak, there is an advantage that the PG company can actively respond to the bankruptcy by adopting the configuration as shown in FIG.

11 illustrates another embodiment of FIG. 10. In FIG. 10, the card company / bank pays a fee to the PG company and the shopping mall and pays the supplier. However, in the embodiment of FIG. 11, when the payment is made, the card company / bank pays the PG company once and the PG company pays the shopping mall. Fee shall be paid to the supplier, excluding the fee of each subject. As in the case of Figure 10, the payment of the fee and the payment of goods may be after the consumer receives the goods, in the case of Figure 11 financial institutions will only function as a financial institution in the original and the goods and various fees by the PG company Payment and receipt of goods will be confirmed.

Figure 12 shows the system according to the present invention in summary.

In addition, it is necessary to confirm whether the information or goods actually sent is real or fake, because even if the goods are shipped, if the goods sent are fakes, there may be damages that cannot be reversed when the remittance is made. For this purpose, there may be a method of receiving an invoice number and a result of seeing the contents. The invoice is made on the merchandise that has been sold, and then the invoice is attached to the goods. The invoice form of the company is received from the server to check whether the invoice number is valid and whether the order history, delivery address, orderer, etc. match.

In addition, when collecting the goods after invoice and sorting by region for delivery, the courier company uses the means such as X-ray to see what the contents are, and then accesses the contents of the contents together with the invoice number. Post it on the courier company server or place this information on the courier company server so that it can be delivered and checked at any time. The system can also receive this information and make it searchable between interested parties.

1A, B, and C show a conventional e-commerce system

2 to 12 illustrate an electronic commerce system according to the present invention.

Claims (15)

As an e-commerce transaction protection system through delivery confirmation The e-commerce transaction protection system includes an e-commerce shopping mall server system, at least one consumer terminal, a payment agency system for payment and temporary management of goods, and a transportation company system connected to each other through a communication network capable of bidirectional communication. The shopping mall server system provides a service in which the at least one consumer terminal accesses the shopping mall server system to purchase a product. Payment for the purchase of the product is made through the payment agency system and the payment agent system transmits this payment information to the shopping mall server system and the matching service system, The shopping mall server system provides the purchase information and the payment information to the transportation company system after payment of the consumer so that the goods are sent out, After the consumer receives the goods through the carrier system, the payment agency system receives the delivery completion information. The payment agency system pays the product price to the shopping mall on the basis of the purchase information, payment information, delivery information, e-commerce transaction protection system through the delivery confirmation The system of claim 1, wherein the transporter system delivers the product receipt completion and payment approval information to the payment agency system and the shopping mall server system. According to claim 2, wherein the carrier system is actually connected to the terminal possessed by the transporter who carries the goods to the consumer, the consumer through the terminal of the goods confirmation and payment approval or return doctor to the payment agency system E-commerce protection system, characterized in that configured to transmit and receive. The system of claim 1, wherein the payment agency system receives delivery confirmation information directly from the consumer by sending and receiving a delivery confirmation through a terminal possessed by the carrier or the consumer terminal at the time of completion of delivery. . The system of claim 1, wherein the payment agency system receives the delivery completion information received by the shopping mall server from the shipping company system from the shopping mall server system. The method according to any one of claims 1 to 5, wherein the shopping mall includes one or more product providers for supplying the goods, and when the delivery request is received to the shopping mall server, the delivery request is delivered to the goods supplier server. E-commerce marketing protection system. According to any one of claims 1 to 5, the actual payment price of the payment agency system is transmitted to the financial institution system, the financial institution system pays a fee to the payment agency system, the shopping mall and the financial institution system E-commerce transaction protection system, characterized in that the price of the goods, except for the commission of the shopping mall and the one of the goods supplier of the shopping mall or the supplier directly. The method according to any one of claims 1 to 5, wherein the amount paid by the consumer is paid to the settlement agency system excluding the commission of the financial institution system through the financial institution system, and the settlement agency system excludes all fees. E-commerce transaction protection system, characterized in that providing the amount of money to any one of the shopping mall and the goods supplier of the shopping mall. The system of claim 8, wherein the invoice number that is shipped is checked to ascertain whether the delivered goods are genuine goods. The system of claim 8, wherein the courier company server posts the viewable information of the delivered goods so that the delivered goods can be viewed in order to confirm whether the delivered goods are genuine goods. A method for protecting e-commerce transactions through delivery confirmation including an e-commerce shopping mall server system, at least one buyer terminal, a payment agency system for managing payment and commodity price, and a transport company system, which are connected to each other through a communication network capable of two-way communication. , The at least one purchaser terminal accessing the shopping mall server system to purchase a product; Payment for the product purchase is a payment step made through the payment agency system; Transmitting the information on the purchase and the information on the payment to the shopping mall server system; Transmitting, by the shopping mall server system, item shipment request information about the purchase to the transport company system; Buyer receiving the goods through the carrier company system to complete the receipt of the goods and the payment approval or return of goods to the payment agent system; The payment agent system includes a step of determining that the delivery is completed by matching the delivery information and the purchase information, the e-commerce transaction protection method through the delivery confirmation. The method of claim 11, wherein the goods receipt completion information is transmitted to the payment agency system through the carrier system. 12. The method of claim 11, wherein the goods receipt completion information, the payment agency system requests the goods receipt completion information to the buyer terminal of the buyer directly received from the buyer terminal, e-commerce transaction protection through delivery confirmation Way. The supplier according to any one of claims 11 to 13, wherein after the step of confirming that the payment agency system has completed the delivery, the payment agency system provides goods to the shopping mall and the shopping mall excluding all fees. The method of claim 1, further comprising the step of sending money to any one of the e-commerce transaction protection by delivery confirmation. According to any one of claims 11 to 13, after the payment agent system confirms that the delivery is completed, the financial institution system among the providers for providing goods to the shopping mall and shopping malls excluding all fees. The method of claim 1, further comprising the step of sending money to the e-commerce transaction protection through delivery confirmation.

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