CN1274897A - Electronic business system using prepayment card - Google Patents
Electronic business system using prepayment card Download PDFInfo
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- CN1274897A CN1274897A CN00107574A CN00107574A CN1274897A CN 1274897 A CN1274897 A CN 1274897A CN 00107574 A CN00107574 A CN 00107574A CN 00107574 A CN00107574 A CN 00107574A CN 1274897 A CN1274897 A CN 1274897A
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- prepaid card
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/22—Payment schemes or models
- G06Q20/28—Pre-payment schemes, e.g. "pay before"
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/30—Payment architectures, schemes or protocols characterised by the use of specific devices or networks
- G06Q20/34—Payment architectures, schemes or protocols characterised by the use of specific devices or networks using cards, e.g. integrated circuit [IC] cards or magnetic cards
- G06Q20/342—Cards defining paid or billed services or quantities
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- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
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Abstract
To provide an electronic commercial transaction system using a prepaid card. A user selects a purchase item out of articles and information held in an information provider server 400, from a user computer 300 through a network communication net 200. When the settlement by the prepaid card is selected, the information provider server 400 connects the user computer 300 and a server computer 500. Information such as the present remainder of the prepaid card, the possibility of selling and the remainder after selling is extracted from a data base according to the prepaid card number inputted from the user computer 300 by the server computer 500, and outputted to the relevant user computer 300, selling approval data are transmitted to the information provider server 400 and when the payment of the article is demanded from the information provider server 400, the relevant amount is paid. The information provider server 400 provides the information or article to the user.
Description
The present invention relates to use the e-commerce system of prepaid card, and be specifically related to a kind of e-commerce system of using prepaid card, make it possible to use the prepaid card of buying in advance that has certain amount of money to pay to buy article and to obtain information service, as by buying various article as Information Providers such as shopping mall and payment information websites, as books, CD etc., or use different payment information services, as by communication network, as the digital content (digital contents) of internet issue etc.
Be accompanied by development of electronic technology, various information communication products as computing machine, have been developed and have been widely used in advanced person's the needed information of informationized society.
Recently, be accompanied by this volatile computing machine and popularize upsurge, it is that one has become a kind of trend that Global Access is crossed Internet connection.The user of internet shares time and space, and the website of issue on the internet oneself, so that propagate oneself to other netizens of internet world, or themselves information is provided and seeks their needed information.
That is to say, the user passes through web browser, for example " Internet Explorer " or " Netscape Navigator ", insert the internet, and import specific URL(uniform resource locator) (URL) and contain the server of its required webpage, thereby make the user can utilize various texts or graphical information in the webpage with access.
And the website that has a virtual shopping district constantly increases in recent years on the internet, and the user can directly select their needed commodity on the website, as books, CD etc., and need not actual shopping and pass through credit card, IC-card or digital cash are paid.Selected commodity consign to the user by the mode of mailing.
Fig. 1 is the e-commerce system of having showed according to the use credit card of prior art.As shown in Figure 1, user's commodity and information of inserting internets and select to provide by computing machine 11 from information provider server 12.For information that provides or the commodity of being selected by the user are provided, information provider server 12 provides credit card information input display frame to computing machine 11.
In addition, imported his credit card information if the user imports display frame by credit card information, then information provider server 12 will provide selecteed commodity or information service, and ask for certain amount of money to credit card company 13.
Thereby the commission of certain number is deducted by credit card company 13 from the amount of money of asking for, and paying server 12.Ask for this amount of money in the name day to the user.
Fig. 2 has showed the use smart card, as the e-commerce system of IC-card or analog.As shown in Figure 2, the user pays certain amount of money to buy IC-card to IC-card company 24.If user Internet access and commodity or the information of having selected information provider server 23 to provide, then information provider server 23 is received an amount of money that is stored in the IC-card by card reader 22, with the expense of payment by the user product of selecting and the information that provided, wherein card reader 22 is connecting user's computer 21.
Thereby the expense of the selected product of deduction and the information that provides provides user-selected product and information, and asks for this amount of money to IC-card company 24 amount of money of the IC-card that information provider server 23 is read from card reader 22.
Therefore, IC-card company 24 pays these amount of money according to the number of asking for to information provider server 23.
Fig. 3 has showed the e-commerce system of using digital cash.As shown in Figure 3, the user Enters Your Credit Card Information in electronic cash company 33, buy his needed many credits card arbitrarily, insert the internet, extensive stock and the information of selecting information provider server 32 to provide, and settle accounts its expense with digital cash, wherein have the enough amount of money of payment for merchandise or information in the digital cash.
In these cases, the user has to carry out according to the program of appointment in order to use digital cash.
Therefore, information provider server 32 clearing have the user-selected commodity of electronic cash or the expense of service, treat product or the information that the user confirms to computing machine 31 outputs, and ask for expense to digital cash company 33.
According to said process, the commission of the certain number of digital cash company 33 deductions, and pay according to the amount of money that information provider server 32 is asked for, this expense will be according to being asked for and by credit card company's 34 payments to credit card company 34 by the credit card information of user's input.
Yet, if use the e-commerce system credit card of above-mentioned routine, in the process that the user Enters Your Credit Card Information, the problem that exists credit number to be revealed by the computer hacker.This information may illegally be used by other people and information provider server.In fact, because credit card is normally used for paying the fund that surpasses certain number, therefore be not suitable for the payment of little the amount of money, moreover the user of the card that has no credit can't use this system, in addition, to have to pay certain expense in order concluding the business, therefore will to cause service providing server that some losses are arranged.
In addition, if use smart card, as IC-card or analog, its advantage is that monetary value is stored in the IC-card, but shortcoming is to need higher manufacturing cost when making IC-card, and the possibility that IC-card is forged is very big, and the user side of IC-card must buy special-purpose card reader.
And, if use digital cash, shortcoming be when the user when digital cash company Enters Your Credit Card Information, or when information provider server when digital cash company charges, personal information may be revealed by the hacker and illegally be used by other people, need payment high-value transactions expense according to the dual gold of gathering around, and when the computing machine cisco unity malfunction, electronic cash may be lost.
One of purpose of the present invention provides a kind of e-commerce system of using prepaid card, make it possible to use the prepaid card of buying in advance that has certain amount of money to pay to buy commodity and information service, as passing through as Information Providers such as shopping mall and payment information websites, buy various article, as books, CD etc., or use various payment information services, as by communication network, as the digital content of internet issue etc.
Another object of the present invention provides a kind of e-commerce system of using prepaid card; when payment during from commodity that information provider server is bought; this system can openly protect personal credit information by avoiding user identity; can settle accounts little the amount of money; when activating internet commerce, ensure user's safety, and interests that can maintenance information provider server.
In order to realize the above object, comprise according to the e-commerce system of use prepaid card of the present invention: communication network is used to connect many communication lines that do not limit and carries out mutual data communication; A plurality of subscriber computers with communication environment, be used for and be connected to outside E-business service provider from the user that a plurality of prepaid card dealers buy prepaid card by communication network, and the prepaid card number of user's input is offered outside provider to settle accounts in various that outside provider provides the perhaps expense of commodity; A plurality of information provider servers, when subscriber computer communicates connection by communication network, described information provider server will be stored in the wherein each kind perhaps, and commodity data outputs to subscriber computer, if in buying perhaps the user of commodity select to settle accounts with prepaid card, then described information provider server links subscriber computer so that import the prepaid card number with outside provider, and the information of interior perhaps commodity outputed to outside provider, if outside provider has finished selling license to the interior perhaps commodity that the user selects, then described information provider server commodity and store selling license information perhaps in the user provides; And server computer, if subscriber computer is linked by information-providing server, be used for to the predetermined list data of subscriber computer output, this data demand is used for the prepaid card number of disbursement and sattlement, described server computer also is used for extracting from database the amount of money of prepaid card current residual, the feasibility of selling, and information such as the amount of money post sales, and the cost information that extracts outputed to subscriber computer, also be used for sending selling license information to information provider server, if information provider server requires reimbursemen to offer the consumption sum of user's interior perhaps commodity, then pay this amount of money.
A kind of electronic trade method that uses prepaid card comprises step: (1) sets up cooperative relationship between server computer and a plurality of information provider server, produce and market has the prepaid card of multiple user gradation and multiple face amount; (2) select specific interior perhaps commodity by a plurality of users that are connected to information provider server, and, subscriber computer is linked to server computer by Information Provider's computing machine according to the selection of using prepaid card to settle accounts; (3) carry out the situation of disbursement and sattlement according to the user with prepaid card, by the sale of server computer permission certain content or commodity; (4) will permit certain content or the commodity sold to be sold to the user from information provider server, request server Computerized settlement expense then, wherein information provider server is received the selling license information of being sent by server computer.
With reference to accompanying drawing, by describing a preferred embodiment of the present invention in detail, above-mentioned purpose of the present invention and other advantage will be more obvious, wherein:
Fig. 1 to Fig. 3 has showed conventional e-commerce system respectively;
Fig. 4 is for using the structural representation of the e-commerce system of prepaid card according to an embodiment of the invention;
Fig. 5 is the process flow diagram of the concrete steps of the electronic trade method that uses prepaid card according to an embodiment of the invention; With
Fig. 6 to Fig. 9 is the flow chart of steps of each subroutine of Fig. 5.
Next, describe the e-commerce system of using prepaid card according to an embodiment of the invention with reference to the accompanying drawings in detail.
Fig. 4 is for using the structural representation of the e-commerce system of prepaid card according to an embodiment of the invention.As shown in Figure 4, communication network 200 is wire/wireless internet and analog.By this communication network 200, a plurality of subscriber computers 300, a plurality of information provider servers 400 and server computer 500 link together, and carry out and the relevant data communication of mutual ecommerce of using prepaid card.
A plurality of subscriber computers 300 possess the communication environment that is connected with a plurality of information provider servers 400, the latter provides E-business service by communication network 200 to the user, the user buys the prepaid card of predetermined number there from a plurality of prepaid card dealers, receive and plurality of kinds of contents or the commodity data that provides by particular communication link information provider server 400 is provided, and bought the prepaid card number that is used for disbursement and sattlement of users' input of certain content or commodity by those to server computer 500 outputs.
At this moment, the prepaid card of being sold by a plurality of prepaid card dealers 100 is divided into several grades according to the age, is respectively applied for children, teenager, adult etc., and is made and provided by server computer 500.Each prepaid card dealer 100 sells prepaid card according to buyer's age to them.
Buyer's identification of prepaid card is imprinted on the unique card number on the prepaid card, and this card number is used for passing through in the future the E-business service of communication network 200.
A plurality of information provider servers 400 are signed the contract relevant with ecommerce with the server computer 500 that the back will be talked about.If subscriber computer 300 communicates connection by communication network 200, then a plurality of information provider servers 400 to subscriber computer 300 output be stored in wherein plurality of kinds of contents or the data of commodity.
In if those are bought perhaps the user of commodity select to carry out disbursement and sattlement with prepaid card, then a plurality of information provider servers 400 are linked to server computer 500 with subscriber computer 300, so that the user imports the prepaid card number, to server computer 500 output contents or merchandise news.If the interior perhaps commodity that the 500 couples of users of server computer select send selling license, then a plurality of information provider servers 400 commodity perhaps in the user provides, and store selling license information.
In addition, information provider server 400 adopts the socket communication program to communicate by letter with server computer 500, ask in real time and confirm information about remaining sum in the prepaid card, and the settlement information of store request server computer 500 reimbursemen commodity that each user buys.
Server computer 500 is storing the prepaid card number of buying according to different user and user gradation and the face amount database information that generates, and the data relevant with a plurality of information provider servers 400 that use prepaid card.If subscriber computer 300 uses prepaid card by connecting information specific provider server 400, then the data of form are scheduled in server computer 500 outputs, and this request of data is provided for the prepaid card number of disbursement and sattlement by subscriber computer 300.
Server computer 500 is searched the information of registering in the database according to the user by the prepaid card number of predetermined list data input, and extraction cost information, the amount of money of current residual for example, the feasibility of selling, and the remaining amount of money in the prepaid card post sales, store the cost information of recent renewal, cost information to subscriber computer 300 output extractions, send the selling license data of certain content or commodity to information provider server 400, when information provider server 400 request reimbursemens offer user's interior perhaps commodity, repay this amount of money.
At this moment, server computer 500 sends selling license information to information provider server 400, and when the user-selected commodity that are connected with information provider server 400 can be by regular way settlement, described information was the message that for example ' allows to sell ' and so on; Remaining insufficient in amount in prepaid card, or hold children/teenager's prepaid card, rather than the user of adult's prepaid card has been when having selected the commodity of adult's usefulness, described information is for for example ' settling accounts ' or the message of ' banning the sale of this commodity '.
That is to say that information provider server 400 can be confirmed the permission of prepaid card that different user is held/disapprove clearing, allow/do not allow to sell the situation of commodity.
In addition, server computer 500 is connected with subscriber computer 300 by communication network 200, the remaining amount of money in the request inquiring user prepaid card, and subscriber computer 300 is informed the remaining amount of money in the prepaid card.If server computer 500 requests change fund over to or replenish certain amount of money in prepaid card from other prepaid card, then subscriber computer 300 is carried out account transfer or is deposited money.
Next, specifically describe the E-commerce method that uses prepaid card according to an embodiment of the invention with reference to Fig. 5 to Fig. 9.
Fig. 5 to Fig. 9 is for using the flow chart of steps of the E-commerce method of prepaid card according to an embodiment of the invention.
At first, server computer 500 provides a plurality of information provider servers 400 of clearing service to set up cooperation with using prepaid card, make prepaid card according to multiple user gradation/face amount, and they are sold to common computer user (S100) by a plurality of prepaid card dealers 100.
That is to say, server computer 500 is set up cooperative relationship to use prepaid card as clearing media (S110) with a plurality of information provider servers 400, and server computer 500 will with the socket communication address (IP address) of the information-providing server 400 of having set up cooperative relationship, Information Provider's sign (ID), transaction funds etc. are established as database.
Server computer 500 is made prepaid card according to multiple grade (children, teenager, adult etc.) and face amount (10 US dollars, 50 US dollars etc.), and with the prepaid card number, face amount and class information build up database (S130).The prepaid card that produces is provided for a plurality of prepaid card dealers and sells (S140).
At this moment, the user who buys the prepaid card of any grade/face amount can discern the interior card number of presumptive area that is hidden in the prepaid card of buying.
By subscriber computer 300 and a plurality of information provider servers 400 of selling various contents and commodity obtain communicate to connect after, the user who buys prepaid card can select the interior perhaps commodity of his or she desired purchase, and selects any one (S200) from multiple clearing media.
That is to say, obtain with information specific provider server 400 and communicate to connect that then information provider server 400 is exported (S220) being sold in subscriber computer 300 a plurality of perhaps the information of commodity if buy the user of prepaid card.
Then, information provider server 400 has judged whether to import the user and has wished certain content or the selection of goods signal (S230) bought.If the user has selected specific interior perhaps commodity, then information provider server 400 is to the disbursement and sattlement media (S240) of subscriber computer 300 output contents or commodity.
Then, information provider server 400 judges whether the user selects prepaid card as disbursement and sattlement media (S250).
According to judged result, if the user selects prepaid card as the disbursement and sattlement media, then information provider server 400 is linked to server computer 500 with subscriber computer 300, and the user is wished that the certain content bought or the information of commodity output to server computer 500 (S270).
Yet, judged result according to step S250, if the user has selected credit card or account transfer automatically, and does not select prepaid card, then information provider server 400 carries out disbursement and sattlement (S280) according to the disbursement and sattlement media that the user selects to certain content or commodity.
At this moment, for the information provider server 400 of having set up cooperative relationship with all and server computer 500 intercoms mutually, a program of observing with the communication protocol of server computer 500 is installed.And as mentioned above, can ask and confirm amount information in the prepaid card in real time by server computer 500.
By above step S200, the user selects the disbursement and sattlement media of prepaid card as certain content or commodity, information provider server 400 is linked to server computer 500 with subscriber computer 300, and server computer 500 is carried out the selling license (S300) of certain content or commodity according to the cost information of prepaid card that the user holds then.
That is, the certain content that 500 pairs of information provider servers 400 of server computer provide or the pricing information of commodity are confirmed (S310), and to subscriber computer 300 output tentation datas, so that the prepaid card number (S320) that the input user holds.
Then, server computer 500 judges whether the user has imported prepaid card number (S330), prepaid card number according to user's input extracts the current residual amount of money, sell and permit/disapprove, sell the cost information (S340) relevant such as back remaining sum etc., and judge whether the remaining amount of money in the prepaid card exceeds the price (S350) of user-selected certain content or commodity with the prepaid card in the database.
According to judged result, if the remaining amount of money has surpassed the price (can settle accounts) of certain content or commodity in the prepaid card, and user gradation meets the condition of selling, then server computer 500 is deducted the expense of buying certain content or commodity from prepaid card, upgrade the remaining sum in the prepaid card, the prepaid card amount of money (S360) after subscriber computer 300 outputs are upgraded, and to information provider server 400 output sale license counts certificates (S370).
Yet, judged result according to step S350, if the remaining amount of money is less than the price (can't settle accounts) of certain content or commodity or user's grade is not suitable for buying specific interior perhaps commodity in the prepaid card, then server computer 500 is exported the information of ' not allowing to sell ', the perhaps purchase of commodity (S380) in the termination to subscriber computer 300 and information provider server 400.
At last, selling license information is input to information provider server 400 by server computer 500, the latter stores certain content that permission sells or commodity and it is sold to the user in database, ask for and sell relevant expense to server computer 500, and receive this expense (S400).
That is to say information provider server 400 judges whether server computer 500 imports selling license data (S410).If server computer 500 has been imported the selling license data, then the information storage of information provider server 400 certain content that the user is selected or commodity is in database, then with in these perhaps commodity selling carry out the user (S420) of disbursement and sattlement to this use prepaid card.
At this moment, if the commodity of selling are digital content, then information provider server 400 sends this content to subscriber computer 300 by communication network 200, if the commodity of selling are a kind of product, then information provider server 400 is delivered to this product the address of user's appointment.
Then, 500 clearing of information provider server 400 request server computing machines are by the expense (S430) of the interior perhaps commodity of prepaid card purchase, the expense of the interior perhaps commodity that server computer 500 identifying information provider servers 400 require, and settle accounts this expense, thereby finish the E-business service (S440) of using prepaid card.
As mentioned above, no matter owing to everyone its age or sex, can carry out e-commerce transaction like a cork by the e-commerce system of use prepaid card of the present invention, so extensive stock and can be used for e-commerce transaction in the ascendant such as the means of settlement of the payment information business of database application etc.Owing to can not expose user identity and reveal credit information in the e-commerce transaction process, therefore anonymous power is protected, and even without carrying credit card, also can buy extensive stock like a cork by the internet.
In addition, owing to the password that need in existing affiliate web site, generally not adopt, therefore can give and use the user of E-business service bring convenience, and the harm that remaining sum in the prepaid card can be stolen is reduced to minimum.And it is also advantageous in that and can therefore can prevents that children from contacting unsound information with the teenager making and selling limited subscriber grade in the process of prepaid card to children and teenager.
Although described the preferred embodiments of the present invention, those skilled in the art is to be understood that the present invention is not limited to described preferred embodiment, in the spirit and scope of the present invention that are defined by the following claims, can carry out various conversion and improvement.
Claims (9)
1. e-commerce system of using prepaid card comprises:
Communication network is used to connect many communication lines that do not limit and communicates by letter with the execution interaction data;
A plurality of subscriber computers with communication environment, be used for to be connected to the outside provider of E-business service by the user that a plurality of prepaid card dealers buy prepaid card, and be used for to the output of outside provider by the prepaid card number of user's input so that the plurality of kinds of contents that clearing are provided by outside provider or the expense of commodity by communication network;
A plurality of information provider servers, communicate connection if be used for subscriber computer by communication network, export plurality of kinds of contents or the commodity data that is stored in the message provider server to subscriber computer, if in buying perhaps the user of commodity selected to carry out disbursement and sattlement with prepaid card, subscriber computer is linked to outside provider with input prepaid card number, with export in this perhaps information of commodity to outside provider, if outside provider has finished the selling license to user-selected interior perhaps commodity, commodity and store selling license information perhaps in the user provides this; With
Server computer, linked subscriber computer if be used for by information provider server, export predetermined list data to require to be used for the prepaid card number of disbursement and sattlement to subscriber computer, extract the prepaid card current residual amount of money, sales possibilities, the cost information of the amount of money post sales from database, and the cost information that is extracted to subscriber computer output, the selling license data are sent to information provider server, if and from the information provider server request offer the user should in the consumption sum of commodity perhaps, then pay this amount of money.
2. according to the e-commerce system of claim 1, wherein be classified as multiple user gradation according to age of user from server computer manufacturing and the prepaid card that provides, be used for child, teenager, adult or the like.
3. according to the e-commerce system of claim 1, if wherein the user is directly connected to server computer and asks the amount of money of the entrained prepaid card of inquiring user, server computer is notified the remaining sum in this prepaid card, if and user request transfers to another prepaid card with a certain amount of amount of money or charge into this a certain amount of amount of money again, then shift or charge into again this a certain amount of amount of money.
4. according to the e-commerce system of claim 1, wherein a plurality of information provider servers have the program of communicating by letter with server computer of being used for that is installed in wherein, thereby utilize server computer to ask in real time and confirm remaining sum in the prepaid card.
5. electronic business transaction method that uses prepaid card may further comprise the steps:
(1) between a server computer and a plurality of information provider server, sets up cooperative relationship, the prepaid card of multiple user gradation of produce and market and multiple face amount;
(2) select certain content or commodity by a plurality of users that are connected to information provider server, and, one subscriber computer is linked to server computer by information provider server according to using prepaid card to carry out the selection of disbursement and sattlement;
(3), permit the sale of this certain content or commodity according to the prepaid card disbursement and sattlement of the execution of user in server computer; With
(4) user is given in certain content that information provider server is permitted or merchandise sales, and request server Computerized settlement expense wherein is to provide selling license information from server computer to information provider server.
6. according to the electronic business transaction method of claim 5, wherein step (1) comprises substep:
(1-1) between server computer and a plurality of information provider server, set up cooperative relationship, provide prepaid card as the clearing media;
(1-3) set up the database that has about the data of a plurality of information provider servers, these a plurality of information provider servers have been set up cooperative relationship; With
(1-4) provide the prepaid card of manufacturing to a plurality of prepaid card dealers, prepaid card is sold this user.
7. according to the electronic business transaction method of claim 5, wherein step (2) comprises substep:
(2-1) carry out communicating to connect of information provider server by the user;
(2-2) to the information of subscriber computer output plurality of kinds of contents or commodity, wherein subscriber computer is carried out communicating to connect of information provider server;
(2-3) judge whether the user has imported internally perhaps selection of goods signal;
(2-4) be used in this perhaps disbursement and sattlement media of commodity to subscriber computer output from information provider server;
(2-5) judge whether the user has selected with prepaid card as the disbursement and sattlement media;
If (2-6) user has selected prepaid card, subscriber computer is linked to server computer by information provider server;
(2-7) send the interior perhaps commodity that the user will buy to server computer from information provider server; With
If (2-8) non-selected prepaid card in substep (2-5) judged result then utilizes the disbursement and sattlement media of being selected by the user to carry out in this perhaps disbursement and sattlement of commodity.
8. according to the electronic business transaction method of claim 5, wherein step (3) comprises substep:
(3-1) certain content that provides from information provider server by server computer identification or the cost information of commodity;
(3-2) list data of being scheduled to subscriber computer output from server computer is with the number of the entrained prepaid card of input user;
(3-3) judge whether the user has imported the number of prepaid card;
(3-4) the prepaid card number of importing according to the user extracts the information of the remaining sum in the prepaid card from the database of setting up;
(3-5) judge whether the remaining sum in the prepaid card surpasses the purchasing price of the interior perhaps commodity of user's selection;
If the remaining sum (3-6) in the prepaid card surpasses purchasing price, then deduct in this perhaps purchasing price of commodity, upgrade the information of the remaining sum in the prepaid card, and the amount information of upgrading by subscriber computer output;
(3-7) the selling license data are outputed to information provider server from server computer; With
If the remaining sum (3-8) in the prepaid card less than purchasing price, outputs to subscriber computer and information provider server with the information that does not allow to sell.
9. according to the electronic business transaction method of claim 5, wherein step (4) comprises substep:
(4-1) judge whether to have imported the selling license data from server computer;
(4-2) information of the certain content selected of storage user or commodity and sell should in commodity perhaps, wherein the user uses the clearing of prepaid card execution cost;
(4-3) the interior perhaps commodity of buying in the request server computing machine payment information provider server; With
(4-4) expense from the interior perhaps commodity of information provider server request is settled accounts by server computer.
Applications Claiming Priority (4)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| KR18608/1999 | 1999-05-21 | ||
| KR19990018608 | 1999-05-21 | ||
| KR1020000022531A KR20000077102A (en) | 1999-05-21 | 2000-04-27 | Electronic commerce system using a prepaid card |
| KR22531/2000 | 2000-04-27 |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| CN1274897A true CN1274897A (en) | 2000-11-29 |
Family
ID=26635223
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| CN00107574A Pending CN1274897A (en) | 1999-05-21 | 2000-05-19 | Electronic business system using prepayment card |
Country Status (3)
| Country | Link |
|---|---|
| JP (1) | JP2001005882A (en) |
| KR (1) | KR20000077102A (en) |
| CN (1) | CN1274897A (en) |
Cited By (6)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1327361C (en) * | 2001-11-02 | 2007-07-18 | 索尼公司 | Electronic transaction system |
| CN106447307A (en) * | 2008-08-12 | 2017-02-22 | 万事达卡国际股份有限公司 | Methods, systems and computer readable media for electronically delivering a prepaid card to a mobile device |
| CN109155033A (en) * | 2016-04-28 | 2019-01-04 | 卡诺爱股份有限公司 | Mobile phone prepaid card service system and its clone's card storage device and method of servicing |
| US10546290B2 (en) | 2011-11-03 | 2020-01-28 | Mastercard International Incorporated | Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device |
| US10992817B2 (en) | 2009-03-18 | 2021-04-27 | Mastercard International Incorporated | Methods, systems and computer readable media for selecting and delivering electronic value certificates using a mobile device |
| US11195163B2 (en) | 2006-09-01 | 2021-12-07 | Mastercard International Incorporated | Methods, systems and computer readable media for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities |
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| Publication number | Priority date | Publication date | Assignee | Title |
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| KR20010091177A (en) * | 2000-03-13 | 2001-10-23 | 윤성식 | The Payment system of small sum money for the person who paid in advance |
| KR20010109674A (en) * | 2000-06-01 | 2001-12-12 | 윤기태 | Method for using the charge site make use of combination a online and offline |
| KR20020000906A (en) * | 2000-06-20 | 2002-01-09 | 김동균 | Issue system and method of prepaid and anonymous on-line credit card |
| KR20020005184A (en) * | 2000-06-21 | 2002-01-17 | 류창완 | Call service payment system using mutifunctional prepaid cards and on/off line call service payment method |
| KR20020020051A (en) * | 2000-09-07 | 2002-03-14 | 전준호 | An electronic method of purchasing at volume discount from participating sites and mobile information services using an identity secure in-house credit account |
| KR20030009733A (en) * | 2001-07-23 | 2003-02-05 | 성낙영 | A business technique that allows a minor child to receive a student card and use the credit of a guardian who has a credit card |
| KR20030047160A (en) * | 2001-12-08 | 2003-06-18 | 박상돈 | System for servicing charged contents using prepaid-card on internet |
| JPWO2003050737A1 (en) * | 2001-12-11 | 2005-04-21 | 株式会社エス・エー・エス ジャパン | Gift card shopping system, gift card shopping server, and computer program used therefor |
| KR20030049304A (en) * | 2001-12-14 | 2003-06-25 | 신용균 | Business method and system for settling an account by cash credit cyber gifts card and computer readable medium stored thereon computer program for performing the method |
| JP2003196562A (en) * | 2001-12-28 | 2003-07-11 | Kddi Corp | Prepaid settlement system, and settlement method therefor |
| KR20030087243A (en) * | 2002-05-08 | 2003-11-14 | 황필상 | Electronic Commercial Method using Compact Disc |
| KR20030004161A (en) * | 2002-10-14 | 2003-01-14 | 주식회사 삼보컴퓨터 | System and method for paying service charges for using charged information services |
| KR20040035518A (en) * | 2002-10-22 | 2004-04-29 | 한빛전자금융 (주) | Blocking technology and the method using the method using transferable card with blocking technology |
| KR100671542B1 (en) | 2003-07-25 | 2007-01-18 | 주식회사 케이디 넷 | System and Method for prepaid card service management function |
| KR100636130B1 (en) * | 2003-12-03 | 2006-10-19 | 삼성전자주식회사 | Prepaid card type data recording medium, recording apparatus thereof, content providing apparatus and authentication method for the data recording medium |
| KR20060092493A (en) * | 2005-02-18 | 2006-08-23 | 임창순 | Method for prepaying pc-bang charge |
-
2000
- 2000-04-27 KR KR1020000022531A patent/KR20000077102A/en not_active Application Discontinuation
- 2000-05-19 CN CN00107574A patent/CN1274897A/en active Pending
- 2000-05-22 JP JP2000150238A patent/JP2001005882A/en active Pending
Cited By (7)
| Publication number | Priority date | Publication date | Assignee | Title |
|---|---|---|---|---|
| CN1327361C (en) * | 2001-11-02 | 2007-07-18 | 索尼公司 | Electronic transaction system |
| US11195163B2 (en) | 2006-09-01 | 2021-12-07 | Mastercard International Incorporated | Methods, systems and computer readable media for over the air (OTA) provisioning of soft cards on devices with wireless communications capabilities |
| CN106447307A (en) * | 2008-08-12 | 2017-02-22 | 万事达卡国际股份有限公司 | Methods, systems and computer readable media for electronically delivering a prepaid card to a mobile device |
| US10992817B2 (en) | 2009-03-18 | 2021-04-27 | Mastercard International Incorporated | Methods, systems and computer readable media for selecting and delivering electronic value certificates using a mobile device |
| US10546290B2 (en) | 2011-11-03 | 2020-01-28 | Mastercard International Incorporated | Methods, systems, and computer readable media for provisioning and utilizing an aggregated soft card on a mobile device |
| CN109155033A (en) * | 2016-04-28 | 2019-01-04 | 卡诺爱股份有限公司 | Mobile phone prepaid card service system and its clone's card storage device and method of servicing |
| CN109155033B (en) * | 2016-04-28 | 2022-08-12 | 卡诺爱股份有限公司 | Mobile phone prepaid card service system, clone card storage device and service method thereof |
Also Published As
| Publication number | Publication date |
|---|---|
| KR20000077102A (en) | 2000-12-26 |
| JP2001005882A (en) | 2001-01-12 |
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