CN1399755A

CN1399755A - Electronic commerce system and method of the same

Info

Publication number: CN1399755A
Application number: CN00816161A
Authority: CN
Inventors: 李西源
Original assignee: Individual
Current assignee: Individual
Priority date: 1999-11-24
Filing date: 2000-11-24
Publication date: 2003-02-26
Also published as: KR20010051103A; KR20010051457A; KR100867132B1; EP1259913A1; AU1898601A; KR20020059784A; EP1259913A4; KR20010051710A; JP2003515820A; WO2001039057A1

Abstract

The present invention relates to an electronic commerce system using bank account and accounting limit of credit card exclusively for electronic commerce, and personal telecommunication instrument and a method of electronic commerce using the above system. For electronic commerce (EC) according to the present invention, bank introduces EC exclusive bank account and credit card company introduces credit card limit for EC. The present invention can guarantee safe transaction of electronic commerce on the internet using mobile telephone and electronic commerce card and the number of electronic commerce card is matched with mobile phone number and bank account number or credit card number.

Description

E-commerce system and E-commerce method

Background of the present invention

What the present invention relates to is ecommerce specified account and the ecommerce specific limit of credit card society and the e-commerce system and the E-commerce method of personal communication tool (mobile phone) that utilizes financial institution.Especially, the ecommerce specified account of bank and other financial mechanism and the ecommerce specific limit of credit card society will be quoted, according to the ecommerce specified account of bank and other financial mechanism and the telephone number of mobile phone, embody the network electronic commerce system and the network electronic commerce method of the ecommerce member card of providing the ecommerce special use.

The background technology brief introduction

Ecommerce (hereinafter to be referred as EC) is meant in all processes of commodity or service transacting behavior, will utilize the business transaction of a kind of new ideas meaning of electronically and technology formation.Ecommerce is to produce along with the coming on stage of virtual market of network electronic shopping, and the past business environment of enterprise has been brought a lot of variations.That is, the buyer is not subjected to the constraint of when and where, can buy the commodity of being willing to, enterprise is also no matter when and where can carry out commercial affairs.

This ecommerce is in the intermediate links that can reduce aspect enterprise and the industry between the buyer and the producer, by these means competitive power of can improving price, reduce cost of managements such as circulation costs and lease buildings, and bring that product price is cheap, the variation of the matter of the dirigibility of promoting enterprise and trading object, for intangible goods and service, enlarge transaction.Buyer's a side, the buyer is not subjected to when and where, buys whenever and wherever possible; And to social aspect, transport solution stops up and the difficulty of parking difficulty, the each several part of society is had the effect of diffuse information purpose.

Though above-mentioned ecommerce has above-mentioned multiple good effect, also saved outside the process such as commodity distribution, exist on the problem of the settlement amounts of ecommerce terminal stage, also establish safety means of exchange easily.That is, the online settlement method by network be utilize credit card and eCheck past settlement system method and utilize the method for the new means of settlement of electronic money, but use such system, on fail-safe and convenience, also exist problem.For the generalization of ecommerce should realize electronic banking, electronic banking has the function of the electronic accounting that solves ecommerce fully.

Brief introduction of the present invention

The purpose of this invention is to provide a kind of ecommerce specified account and the ecommerce specific limit of credit card society and network electronic commerce system of personal communication tool (mobile phone) that utilizes bank and other financial mechanism.

Another object of the present invention is to, network electronic commerce methods such as the ecommerce specific limit of the ecommerce specified account that utilizes bank and other financial mechanism and credit card society and personal communication tool are provided.

In order to achieve the above object, e-commerce system according to the present invention comprises: the online buyer who concludes the business; Above-mentioned buyer's mobile phone; Client's entrusting system of the buyer that above-mentioned buyer uses for online shopping; Manage operator's service system of above-mentioned e-commerce system; The bank service system that dealing money in the above-mentioned ecommerce is settled accounts; And the communication services (PCS) system of formation mobile communication between above-mentioned operator's service system and the above-mentioned mobile phone; And above-mentioned bank service system comprises ecommerce specified account service system and the special-purpose frozen account service system of ecommerce.

Another embodiment of the present invention is that this network electronic commerce system comprises: the online buyer who concludes the business; Above-mentioned buyer's mobile phone, client's entrusting system of the buyer that above-mentioned buyer uses for online shopping; Manage the operating service system of above-mentioned e-commerce system; The credit service system that dealing money in the above-mentioned ecommerce is settled accounts; And the communication services (PCS) system of formation mobile communication between above-mentioned operating service system and the above-mentioned mobile phone; And above-mentioned credit service is to comprise stored electrons commerce credits restricting data.

Optimum implementation of the present invention is: it comprises: be the loan that the payment ecommerce takes place, and store electrons commercial affairs specified account clearing value, processing is because of the ecommerce specified account service system of the access of the loan of ecommerce generation; And finish when ordering goods when above-mentioned ecommerce, the loan data of the amount of money of the loan that is equivalent to order goods till the final confirmation signal of above-mentioned loan payment is received, freezes the special-purpose frozen account service system of ecommerce of above-mentioned loan.

The network electronic commerce method of providing in order to reach another object of the present invention may further comprise the steps: the network electronic commerce method comprised with the next stage: above-mentioned buyer is by the stage of client's entrusting system visit operator service system; The stage of the card number of the ecommerce personality card of giving by bank that input matches with above-mentioned buyer's Mobile Directory Number; The stage of request shopping; Confirm stage of avail limit of the network electronic commerce specified account of above-mentioned bank; Above-mentioned buyer receives the Order Checking signal by its mobile phone, confirms the stage of purchase order content; After above-mentioned buyer permitted above-mentioned purchase order, the amount of money that belongs to the order article in the commercial service-specific of above-mentioned bank electronic system was settled accounts on the ecommerce specified account, the temporary transient stage of confirming transaction; With the settlement data of above-mentioned ecommerce specified account with confirm that Transaction Information is sent to the stage of above-mentioned supply service system; Delivery Co., Ltd is submitted to above-mentioned buyer's stage behind above-mentioned supplier's acquisition order goods; Above-mentioned supplier asks to settle accounts the stage of shopping payment for goods again; For above-mentioned supplier's settlement amounts request, the buyer confirms the stage of transaction approval again; And send after above-mentioned buyer's the heavy confirmation signal stage of settling accounts.

Another network electronic commerce method that the present invention provides may further comprise the steps: the network electronic commerce method comprised with the next stage: above-mentioned buyer is by the stage of client's entrusting system visit operator's service system of the present invention; The stage of the card number of the ecommerce personality card of giving by credit card society that input matches with above-mentioned buyer's Mobile Directory Number; The stage of request shopping; Affirmation is in the stage of the avail limit of above-mentioned credit service system; Above-mentioned buyer receives the Order Checking signal by its mobile phone, confirms the stage of purchase order content; After above-mentioned buyer permitted above-mentioned purchase order, the amount of money that belongs to the order article in above-mentioned credit service system was settled accounts on the ecommerce specified account, the temporary transient stage of confirming transaction; With the settlement data of above-mentioned credit service system with confirm that Transaction Information is sent to the stage of above-mentioned supply service system and delivery service system; Delivery Co., Ltd is submitted to above-mentioned buyer's stage behind above-mentioned supplier's acquisition order goods; Above-mentioned supplier asks to settle accounts the stage of shopping payment for goods again; For above-mentioned supplier's settlement amounts request, the buyer confirms the stage of transaction approval again; And send after above-mentioned buyer's the heavy confirmation signal stage of settling accounts.

Following with reference to accompanying drawing in conjunction with the embodiments, and compare with the technology in past that the present invention will be described.

The brief description of figure

Fig. 1 a is the one-piece construction figure of the network electronic commerce of the ecommerce specified account that utilizes bank provided according to the present invention and communication tool;

Fig. 1 b is the one-piece construction figure of the network electronic commerce of the ecommerce specific limit of utilizing credit card society provided according to the present invention and communication tool;

Fig. 2 a is the overall flow figure of the network electronic commerce of the ecommerce specified account that utilizes bank provided according to the present invention and communication tool;

Fig. 2 b is the overall flow figure of the network electronic commerce of the ecommerce specific limit of utilizing credit card society provided according to the present invention and communication tool;

Fig. 3 is illustrated to be, according to the structure of web page figure of network operater of the present invention;

Shown in Figure 4 is, according to the present invention, and the structural drawing of each service system that is provided with in bank;

Fig. 5 is according to the present invention, increases the structural drawing that general account service system is set in bank;

Fig. 6 is the structural drawing of the total Frozen Account service system of several banks;

Fig. 7 is the structural drawing according to electric commerce card of the present invention;

Fig. 8 is an embodiment according to the present invention, according to the one-piece construction figure of field of medicaments traditional Chinese medicine portions of electronics business system;

Fig. 9 is an embodiment according to the present invention, according to the one-piece construction figure of another medical portions of electronics business system in the field of medicaments;

Figure 10 is an embodiment according to the present invention, the structural drawing of the e-commerce system by internet insurance.

The detailed description of the embodiment of the invention

Fig. 1 a is the one-piece construction figure of the network electronic commerce of the ecommerce specified account that utilizes bank provided according to the present invention and communication tool.

As shown in Figure 1a, structure according to e-commerce system of the present invention is, client's entrusting system (10) of buyer, mobile phone (15), operator's service system (20), bank service system (30) and ecommerce specified account service system (40), the special-purpose Frozen Account service system (50) of ecommerce, the service system of communication company (60), the service system (80) of materials supply person's service system (70) and Delivery Co., Ltd.

Buyer according to the present invention buys client's entrusting system (10), buys article by the online ecommerce of network, utilizes the computer system that is connected with network for ecommerce.For example, when the buyer buys under not connecting network condition, not to carry out direct commodity purchasing in face of the computer in the family, but when buying in the shop, the computer system that is equivalent to client that above-mentioned shop has.The buyer must possess mobile phone (15).

Client's entrusting system (10) of operator's of the present invention service system (20) and buyer, the service system (30) of bank, communication services (PCS) system (60), supplier's service system (70), the service system (80) of Delivery Co., Ltd are connected, and the above-mentioned all service systems of unified management by the central government.Operator of the present invention is in order to realize ecommerce, utilization in the service system (30) that bank is provided with the special-purpose Frozen Account of ecommerce specified account, ecommerce and the special-purpose supplier account's of ecommerce e-commerce system, manage and manage the main body of this system.

According to bank service system of the present invention (30) in order to realize the online ecommerce of network according to the present invention, have ecommerce specified account service system (40), and the information that is stored in the telephone number of the card number of ecommerce personality card of above-mentioned ecommerce specified account service system (40) and mobile phone (15) is complementary.The network that the card number of ecommerce personality card is the buyer by network operater prevents losing of personal information when carrying out ecommerce, has the great function of security personnel and authentication.

The ecommerce specified account of above-mentioned bank is the account who is provided with for ecommerce in the bank of financial institution, be the commodity of buying for all ecommerce that form in the network according to network operater of the present invention, settle accounts and bank specified account is set, client obtains credit limit for the ecommerce specified account from bank.

Settlement method with ecommerce specified account of credit limit, according to the ecommerce generation is not supplier's balance account, but the ecommerce specified account of bank is and when letter that buyer's clearing are settled accounts in supplier's clearing designated account after confirming.At this moment, supplier's clearing designated account is also only used the credit of the ecommerce specified account of bank.

All settlement amounts that the ecommerce that the ecommerce special use freezes to form in the service system (20) of service system (50) by the operator takes place (account exsomatizes, online remittance, according to ecommerce specified account of the present invention) are freezed, the buyer is in operator's service system (20), only for the signal that is subjected to during, the amount of money is remitted supplier's special use that the supplier offers go out golden account's ecommerce specified account for the article confirmed.

According to ecommerce of the present invention, the buyer should obtain the ecommerce specified account of the new commodity of offering in bank, and the supplier is also offered the supplier with going out golden account for remitting money in ecommerce specified account service system (40).This supplier also can offer general account.

The special-purpose Frozen Account of ecommerce specified account service system of the present invention (40) and ecommerce system is except bank, applicable to authorizing all mechanisms that credit maybe can be carried out financial transaction.

Communication company's service system (60) is to be provided with by the SMS (Short Message Service) SMS of mobile phone or the service system of automatic answering system ARS for realizing, in mobile communication company, can be provided with, manage, or operator of the present invention setting in addition, operate.

Communication company's service system (60) comprises the database of personal information such as the telephone number of the mobile phone that has the client who utilizes mobile phone (15) and client's name, ID (identity number) card No..

By operator's service system of the present invention (20), for carrying out network electronic commerce, the above-mentioned buyer's of storage the ecommerce specific limit account number and the general account number database of bank in connection buyer's mobile phone (15) number and the service system (30) of bank, give the middle order content that sends of network address service system (20) of network operater during ecommerce by network, when showing transaction approval in the mobile phone (15), utilize mobile phone (15) to order goods, provide for the certifiable system that orders goods.

Supplier's service system (70) is the service system according to the materials supply person operation of order supply items.The article that the service system of Delivery Co., Ltd (80) is communicated to from the supplier pass to buyer's service system again.

And, below the database of the sub-services system separately that constitutes for the center according to service system of the present invention (20) describe.

Comprise Customer Information database, information of goods information data storehouse, provider information database, goods orders numbering database, supply of commodities numbering database, type of transaction database, the number database of mobile phone, the credit card numbering database (also being suitable among Fig. 1 b) of getting in touch in the operator's of the present invention service system (20) with ecommerce personality card number.

The credit card numbering (Fig. 1 b also is suitable for) of storage client's other input, the symbolization of accounts of ecommerce specified account, general account's symbolization of accounts in the Customer Information database of getting in touch with ecommerce personality card numbering, remove the basic Customer Information (age, sex, address, hobby, occupation etc.) of telephone number.Storing commodity title, manufacturer's information, price, build date, goods number, commodity feature, the information of ratio etc. of charging in the information of goods information data storehouse.O/No. database storing supplier ID/ password, commodity price, charge clearance, order client, ecommerce card number.

Bank service system (30) comprises the database of store electrons commercial affairs specified account and the database that the store electrons commercial affairs use golden account information.Frozen Account service system (50) storage that is provided with in addition goes out the information of golden symbolization of accounts for the supplier.

The service system of communication company (60) comprises telephone number database, the ecommerce personality card number database of client's mobile phone.And the telephone number of the telephone number database memory communicating client's of company of the client's of communication company mobile phone mobile phone, i.e. memory mobile phone number.Storage is for the information of the special-purpose card number of ecommerce in the special-purpose card number database of ecommerce.The telephone number of client's mobile phone (15) is corresponding with the account number of the ecommerce specified account of special-purpose card number of ecommerce and bank.

Relation according to supplier and Delivery Co., Ltd in the ecommerce of the present invention is as follows.

Do not constitute by network when not moving other service system, when other establishes service system (70), constitute service system (70) voluntarily according to provider services system of the present invention (70).Be connected with operator's of the present invention service system (20) this moment.Network-specific ICON is arranged in supplier's the website.Be provided with in the website of network-specific ICON and release the supply of commodities database at any time, this moment the supplier computer in send and utilize ARS or SMS service in the communication of signal or supplier's appointment, the supplier does not connect the networking telephone or in conjunction with wait yet at any time the receiving to signal of individual PDA of network by the mobile communication machine by computer, and Communications service realizes general the time facility more.

Supplier's network opening can move in the time of will inputing ID and password by the supplier.Supplier's network confirms that by input window, supplier's settlement amounts window, supply items database identification window, supplier login the information-change window, login commodity change window, O/No. confirms that window and settlement requests window etc. constitute.

The ID/ password input window when being connected with supplier's network, is pressed input ID/ password behind the ICON in supplier's application-specific integrated circuit ON, open vendor site; Supplier's settlement amounts confirms that window is that the supplier is a window of confirming settlement amounts, and links together with supplier's program; Supply items database identification window is the window that the supplier confirms to offer buyer's supply items number, and links together with supplier's program; It is to need other password input to open that the supplier logins the change window; Login commodity changes window price, merchandise news etc. is received that the processing of the network operater company of information logins, communication numbering and supplier when initial supplier logins login numbering; O/No. affirmation and settlement requests window are that affirmation and transmission Delivery Co., Ltd accept and import, the buyer's of transmission goods orders is numbered, and ask clearing automatically.At this moment, through behind the certain hour, when forming clearing automatically, be sent to network, form settlement requests again in the mobile phone (15) with the buyer automatically, the buyer finishes clearing after confirming.

The database storing date of supply of provider services system (70), supply numbering, trade name, quantity, price, Delivery Co., Ltd's date of shipping, buyer ask the supply status information such as (supply in time, the supply of ordering goods, supply reservations etc.) of commodity such as date, supply affirmation.The above-mentioned collection of letters database of interlock during supplier's operation service system, final Delivery Co., Ltd sends after the commodity, and content is confirmed in the O/No. and the transmission of sending acceptance on the net for client.

The supply items that the supplier sends send to Delivery Co., Ltd and buyer the time, the supplier is according to Delivery Co., Ltd's input, the client's O/No. that sends and send the affirmation data, when confirming back request clearing on the net,, confirm behind the input supplier ID/PASSWORD by request clearing button.At this moment, the E-MAIL that inquiry client's communication is numbered in service system (70) etc. send information automatically.When client's mobile phone (15) sends the Signals Data Base that comprises inverse signal, ID and password according to this signal and supplier, when the affirmation signal that the client's of request clearing O/No. and the final statement that client sends are removed combined, the amount of money that freezes in the special-purpose Frozen Account service system of ecommerce (50) imported the golden account in going out of supplier.

According to the service system (80) of Delivery Co., Ltd of the present invention, when not moving the other Internet business, constitute by online as if Delivery Co., Ltd; And constitute in addition network during the operating service system voluntarily.At this moment, be connected with operator's of the present invention service system (20).The network of Delivery Co., Ltd is provided with online application-specific integrated circuit ON in ecommerce in computer, releases online commodity distribution database in the network of online ICON position at any time.At this moment, the dispensing database root according to each Delivery Co., Ltd, the institute database of releasing also the difference.This is that the database of releasing because of the stage of the producer's the best dispensing distance and dispensing is different.At this moment, have on the computer and implement ARS or SMS service in materials supply or dispensing signal or the supplier's designated communication, this signal can not received by the mobile phone individual PDA or the networking telephone at any time by Delivery Co., Ltd on another computer.

Delivery Co., Ltd online open-minded behind the class input ID/ of Delivery Co., Ltd password, just can carry out.The online picture of Delivery Co., Ltd is an ID/ password window; When entering network in ICON, press input ID/ password behind the ICON, this moment, supplier's window was opened, and the settlement amounts of Delivery Co., Ltd confirms that window, sending objects database identification window, Delivery Co., Ltd login the change window; Here licensed according to the input of other password, login commodity change window, O/No. is accepted confirmation and the settlement requests window; Delivery Co., Ltd accepts input, transmits the goods orders numbering that the buyer is confirmed, transmitted in the back, and request is clearing automatically.At this moment, through behind the certain hour, when fulfiling clearing automatically and be sent to network, form the second edition settlement requests automatically in client's communication, client finishes complete clearing after confirming.The signal of will providing and delivering in final dispensing starting point and the middle dispensing starting point is passed on client Yu.This is that the attribute of putting down in writing on the network data base of the dispensing commodity ordered of ID/ password and client according to Delivery Co., Ltd embodies.And when orders for goods was passed to the buyer, the client's of acceptance O/No. and affirmation content sent to client by network.

Following flow process according to supply of the present invention and dispensing describes.

After the buyer confirms to order goods on the net, in operator's service system (20) database inquiry and confirm the special-purpose card number of ecommerce of giver-out-order and telephone number, account number and the credit number of mobile phone after, confirm then at the ecommerce specific limit account of bank service system (30) and the avail of credit card society, send the clearing signal by mobile phone in the time of can using.

The buyer sends the clearing signal toward mobile phone after confirming settlement amounts and clearing O/No..

By the service system (60) of communication company, the information of the orders for goods of logining in the database on operator's service system (20), and be sent to supplier's the service system (70) and the service system (80) of Delivery Co., Ltd.According to the classification of above-mentioned dispensing signal and dispensing project, the item class of classifying dispensing.At this moment, the supplier confirms according to finishing the supply back in the supply items database of online expression.And when confirming in the connection source of dispensing to be sent to the article of Delivery Co., Ltd's net end, online database and by mobile communication society is informed the dispensing situation in the communication tool of giver-out-order.

Dispensing is at last named a person for a particular job and is phoned the arrival of buyer's article, and at this moment, the interim interruption provided and delivered when the buyer proposed to understand, and passes on according to getting in touch the back in the time that the buyer was willing to again.Final Delivery Co., Ltd finishes back order downloaded numbering, according to the ID/PASS of online branch office, and the input numbering.The numbering of input is pushed in online supplier's the terminal, after the supplier confirms that dispensing finishes, will implement clearing on the net and entrust.The order of supplier and Delivery Co., Ltd, the database that sends when clearing finish are supplier's name of product, supply price, quantity, the amount of money, the telephone number of giver-out-order, name, ship-to, guiding date of acceptance; And dispensing kind, dispensing prefecture and the kind and the date of delivery etc. of introductory object industry will be put and send in Delivery Co., Ltd in order; Comprise area (destination), name of product, quantity, dispensing product kind points for attention, giver-out-order telephone number, giver-out-order name, accept request the date etc.

According to e-commerce system of the present invention, after operator's service system (20) enters by network, the phenomenon that leaks of personal information when ordering goods, the buyer does not take place, after must confirming in person, when receiving the goods signal of no substandard products record according to the buyer, operator's service system (20) will be to ecommerce specified account service system (40) the application for credit clearing of bank service system (30), so safing transaction.

Fig. 1 b is the one-piece construction figure that utilizes the network electronic commerce of the ecommerce specific limit of credit card society and communication tool according to the present invention.

With reference to Fig. 1 b, e-commerce system according to the present invention is made of service system (35), credit card society and the materials supply person's of buyer's entrusting system (10), mobile phone (15), operator's network service system (20), credit card society transaction bank (45), the service system (60) of communication company, supplier's service system (70) and the service system (80) of Delivery Co., Ltd.

To be bank service system replaced by the service system of credit card society the discrepancy of Fig. 1 b structural drawing and Fig. 1 a.Be provided with the information database of the special-purpose clearing restriction of the relevant ecommerce of storage in the service system of credit card society (35).Different with general credit card restriction is that the special-purpose clearing restriction of this ecommerce is obtained separately in addition by the buyer.

The service system of credit card society (35) is storage related credit card client's an ecommerce specific limit database of information, comprise the database of the credit card number information that stores the pass client and client's communication numbering, the ecommerce that storage is relevant with the credit card numbering database of the card number information that blocks.

And the special-purpose buyer's restriction of the ecommerce of credit card society is meant that an amount of money restriction by making in credit card society according to the credit limit that is decided to be credit card society approximately between buyer and the credit card society, utilizes in ecommerce of the present invention.The settlement method of above-mentioned buyer restriction is, the settlement amounts of permitting that takes place according to ecommerce in the balance account of the appointment balance account of operator's service system (20) and supplier's appointment, after being confirmed by buyer's clearing, just can be finished clearing.

The bank electronic commercial affairs specified account of Fig. 1 a is connected with the License Status of credit card society, can the unified operation of experience.And credit card society may instead be department store, and this moment, credit card was equivalent to the department store card.

Fig. 2 a is according to the present invention, utilizes the overall flow figure of the network electronic commerce of the ecommerce specified account of bank and mobile phone.Fig. 2 b is according to the present invention, utilizes the overall flow figure of the network electronic commerce of the ecommerce specific limit of bank and mobile phone.

Is as follows with reference to Fig. 2 a and Fig. 2 b explanation according to flow process of the present invention.

Phase one (110): the buyer is in the request of carrying out merchandise query and commodity purchasing on the net of operator's service system (20).

The ecommerce specified account of bank or in credit card society, have the buyer of ecommerce restriction, connect according to the present invention that network service system (20) the back input of network operater receives, with the telephone number of mobile phone (15) interrelate according to the special-purpose card number of ecommerce of the present invention.

When the network buyer orders goods on the net, in order, confirm to obtain O/No. after the general clearing, can be according to the mode of the ordinary loan clearing of remitting money in the ecommerce specified account.

Subordinate phase (120): confirm after buyer's the special-purpose card number of ecommerce, the special-purpose card number of the ecommerce of confirming sends in the service system (30) of bank service system (30) or credit card society, sends the service system (20) with network operater behind the affirmation restriction amount of money.

Phase III (130): the service system of network operater (20) is by communication company, information such as confirming good O/No., order contents is sent to buyer's mobile phone (15).When data were correct, the buyer sent the service system (20) of confirmation to the operator by mobile phone.

Quadravalence section (140): after buyer (1) confirmed to order goods, operator's service system (20) was sent to bank service system (30) or credit card society service system after receiving the acknowledgement of orders signal that is sent by buyer (1) again.At this moment, settle accounts in the ecommerce specified account service system (40) that bank will be provided with in bank service system (30).This moment, buyer's avail reduced.

Could keep the affirmation of clearing when utilizing credit card society, account's credit limit is only with the clearing of electronics commercial loan, and above-mentioned credit card society can replace keeping and confirms that the buyer pays logining among the account of supplier after confirming.

Five-stage (150): when carrying out above-mentioned quadravalence section, the information of carrying out in above-mentioned quadravalence section is sent in the service system (80) of supplier's service system (70) and Delivery Co., Ltd.

The 6th stage (160): Delivery Co., Ltd is delivered to the buyer after the supplier receives article, after Delivery Co., Ltd is transmitted to the buyer with article, accepts buyer's O/No., and this is sent to the supplier.

The 7th stage (170): the supplier is sent to operator's service system (20) with the O/No. of receiving, converts supplier's ID/ password input to, request network electronic commerce loan settlement.

When network operater service system (20) is received the request of supplier's loan settlement,, send the request of confirming clearing again to the buyer by buyer's mobile phone (15).At this moment, when the loan settlement confirmation signal takes place the buyer, will carry out next stage.But, when not receiving any information, through fulfiling the next stage behind the certain hour.

If when the buyer lodges claims, freeze loan for the settlement of accounts to difference and reconcile till the end.At this moment, the restriction amount of money in buyer's bank or the credit card society reduces, and when being caused by buyer's fault, will pay a fine.

The 8th stage (180): the service system of network operater (20) is received when clearing are confirmed, sends the separately service system (30,35) of above-mentioned information to bank or credit card society, automatic afterwards loan for the settlement of accounts.Above-mentioned loan settlement be the network operater expense of paying and, deduct the expense of this amount of money, pay in the supplier.

As above-mentioned, when the present invention asks that above-mentioned buyer buy, to be connected with above-mentioned buyer's Mobile Directory Number, special-purpose card number of the ecommerce of obtaining in above-mentioned bank or the credit card society and the suitable O/No. of commodity that will buy are input into the online of network operater, above-mentioned buyer is by above-mentioned mobile phone (15), request is confirmed in the purchase of receiving in the service system (20) for the automatic network operator, with special-purpose card number of the ecommerce of confirming above-mentioned buyer and O/No., when consistent with above-mentioned intrinsic numbering and O/No., above-mentioned financing corporation permits for the clearing and the transaction of ecommerce.The special-purpose card number of above-mentioned ecommerce can carry out the branch time-like and number for buyer's age and article purchase pattern.

Bank service system (30) is included as the ecommerce specific limit accounts database of the credit limit of certain amount of money that ecommerce gives, and sets teenager's restriction, enterprise among the above-mentioned ecommerce specific limit account and buys restriction and generally buy restriction etc.Above-mentioned ecommerce specific limit account only carries out income and clearing in the special-purpose frozen account of the ecommerce of bank.The loan for the settlement of accounts that freezes in the special-purpose frozen account of the ecommerce of above-mentioned bank only is used for the special-purpose disbursement account of ecommerce (47) that above-mentioned supplier offers and pays.

, be connected by the telephone number of buyer's mobile phone (15) and above-mentioned operator's service system (20) according to communication company of the present invention (60) with above-mentioned bank service system (30).When carrying out ecommerce, the order content in above-mentioned operator's service system (20) is sent in above-mentioned buyer's the mobile phone (15), when above-mentioned buyer confirms by mobile phone (15) requests transaction, finishes order.

When supplier according to the present invention settles accounts in bank service system (30) or credit card society service system (35), after receiving the above order numbering of above-mentioned buyer's input, ID/ password according to the supplier, connect operator's service system (20), input the above order numbering, confirm the settlement requests of supply service system (70) in above-mentioned buyer's the mobile phone again, after clearing are confirmed, in bank or credit card society, settle accounts, when not having the replying of above-mentioned buyer, be considered to confirm to order goods, carry out above-mentioned clearing.

And the dispensing signal that takes place in the dispensing starting point of buyer according to the supply of ordering goods sends by above-mentioned mobile phone, and above-mentioned operator's service system (20) is sent in the dispensing signal that takes place in the supply dispensing starting point according to order.In order to connect above-mentioned buyer's personal information database, need above-mentioned buyer's affirmation.

Fig. 3 is the structure of web page figure according to network operater of the present invention.

As shown in Figure 3, webpage according to the present invention comprises the input window of input ecommerce with the card card number.When the card number of card is used in the input ecommerce in above-mentioned input window, open webpage according to the attribute of card number.For example, during the attribute of " 1 " prefix (as more than 10 years old), show the commodity purchasing window of " 1 " prefix commodity, and when being interpreted as people's attribute, will show and the relevant commodity window of being grown up.The buyer clicks the commodity that will buy and selects, and loads the commodity of buying on shopping cart automatically, and the buyer needn't import the destination information of delivery, bank account numbering, personal information etc.

Ecommerce is the numbering that the ecommerce specified account numbering of credit number, bank or general symbolization of accounts, individual's Mobile Directory Number interrelates with the card number of card.

Be according to of the present invention below, the online flow process of buyer's contact net platform.

Enter the website, open homepage.The card number of input ecommerce personality card in the card number input window of homepage.To open different website structure pictures according to the attribute of card number.The attribute of card number is (1) Mobile Directory Number, and (2) E-MAIL address forms other purchase Table I CON, (3) holder's age, sex, object etc.Buy after the commodity, in the shopping bag of packing into.Pack into and confirm behind the shopping bag to order goods.

Fig. 4 is according to the present invention, the structural drawing of each service system that is provided with in bank.Fig. 5 is according to the present invention, sets up the structural drawing of general account service system in bank.Fig. 6 is the structural drawing that several banks share the frozen account service system simultaneously.

With reference to Fig. 4, Fig. 5, Fig. 6, the service system of bank (30) comprises ecommerce specified account service system (40) and the special-purpose frozen account service system (50) of ecommerce.

Ecommerce specified account service system (40) is for depositing the specified account database in, comprise for ecommerce, give the credit limit of certain amount of money blocked account database (42), be the advance account database (45) of ecommerce, be the expenditure specified account database (47) of ecommerce.

Give the middle data of storing of blocked account database (42) of the credit limit of certain amount of money for ecommerce specific limit account.And the Back ground Information of credit agreement comprises the whole number of name, identity of storing client, the database of enterprises registration number.In addition, also comprise, specify the account number of the blocked account of ecommerce specific limit for ecommerce deposits the amount of money in, for the card number of ecommerce personality card, the database of storage data.

The ecommerce specific limit account of bank is that the delegation of financial institution is for the ad hoc account of ecommerce, according to the present invention, when the purchase of all ecommerce of carrying out on the net of network operater, special use is settled accounts, the house account that client obtains from bank.

And for the advance account database (45) of ecommerce, bank does not give the credit of certain amount of money to client, client deposits certain money in bank earlier in order to carry out ecommerce, when ordering goods with ecommerce, this is than the money of credit, but direct payment.

And, be the payment of the loan that takes place according to ecommerce, be set to the payment specified account database (47) of ecommerce, the loan payment that takes place according to ecommerce has only by ecommerce specified account service system (20), could pay.

In the ecommerce specified account, especially for ecommerce, relevant " credit limit " that gives credit limit is illustrated as, this account is an account who opens an account in the bank, it is according to a preconcerted arrangement credit limit between buyer and the bank, the settlement method of ecommerce special use " credit limit account " is, take place according to ecommerce, it or not supplier's balance account, but when in the ecommerce of bank, producing credit relationship among the account, after buyer's clearing are confirmed, in buyer's payment specified account, settle accounts.

And, comprise supply numbering, buyer account, ecommerce specific limit account in the service system (50) of the special-purpose frozen account of ecommerce by record in orders for goods, the goods orders numbering, several banks freeze and during the share service system jointly, the database of each bank's recognition code.

The above-mentioned supply numbering that is recorded in the goods orders numbering is, the buyer is when the online purchase commodity of network operater, each goods number that has appointment in all commodity of in network, showing, when determine ordering goods, the buyer can obtain the goods orders numbering, with the supply of commodities numbering of above-mentioned goods orders numbering record simultaneously be formation in the service system (20) at network operater, and be sent to the service system (30 of bank or credit card society, supplier, Delivery Co., Ltd, 35,70,80) in.If in the service system of network operater (20), when not converting the goods orders numbering to the supply of commodities numbering,, settle accounts just can import as long as the supplier knows the O/No. of commodity.

And the ecommerce specific limit account that the buyer offers bank for ecommerce carries out the credit agreement and opens an account.And the supplier also offers the special-purpose disbursement account of ecommerce.According to ecommerce earmarked loans account of the present invention, an account who in the special-purpose frozen account of ecommerce, provides a loan.When wanting to utilize the people of ecommerce to offer the ecommerce specified account, offer ecommerce specific limit account and ecommerce earmarked loans account simultaneously.This is because the buyer can become the supplier simultaneously.For example, during auction, by inch of candle also buy commodity, and commodity can be provided,, and also can become the supplier simultaneously so the user of online auction wants that the people who buys commodity can become the buyer.In addition, if enterprise also can become the buyer, and become the supplier of commodity simultaneously.Because of above-mentioned reason, the ecommerce personality card is approved simultaneously for buyer's attribute and supplier's attribute.That is,, can confirm simultaneously for the data of ecommerce blocked account with for the data of special-purpose disbursement account.

The buyer is according to the present invention, the order that accesses network operator's service system (20) is provided commodity purchasing, when ordering goods, the order signal is sent in the service system (60) of communication company, send buyer's purchase to the service system (60) of communication company and confirm request signal, the buyer, is sent in the service system (20) according to network operater of the present invention by the service system (60) of communication company for the affirmation signal of above-mentioned purchase affirmation request signal.

In automatic network operator's the service system (20), above-mentioned confirmation signal with client's transmission, comprise the special-purpose card number of ecommerce, the data such as name, O/No. (supply) and order price of ordering goods simultaneously, relevant signal of ordering goods is sent in the ecommerce specified account service system (40) and frozen account service system (50) of each bank.Find out the card number of ecommerce personality card and the account number of record in ecommerce specified account service system (40), the loan of order is transformed in frozen account, becomes the state that freezes.And find out the buyer's of the special-purpose card number of supplier's account number, ecommerce of O/No. in the frozen account service system (50) and record and record communication number.

And, with reference to Fig. 5, bank is only for the amount of money of the special-purpose payment in advance of the ecommerce specific limit account who comprises in the ecommerce specified account service system (40) or ecommerce, in frozen account service system (50), freeze for the clearing of ecommerce, and, general account service system (49), be that the money that prestores among the general account of all banks of client also is for ecommerce, the buyer is conveyed to Delivery Co., Ltd with O/No., send till the final confirmation signal of loan settlement, freeze the special-purpose frozen account service system (50) of ecommerce.

With reference to Fig. 6 as can be seen, several banks independently are provided with ecommerce specified account service system, and the ecommerce special use is freezed service system and can be provided with jointly, moves.

Fig. 7 is the structural drawing according to ecommerce personality card shown in the present.As shown in Figure 7, ecommerce personality card according to the present invention can be categorized into 6 kinds.

First kind of ecommerce personality card has the card number that is associated of putting down in writing simultaneously, giving with the ecommerce specific limit account number and the Mobile Directory Number of bank.

Second kind of ecommerce personality card has the card number that is associated of putting down in writing simultaneously, giving with the general account's in past of bank account number and Mobile Directory Number.

The third ecommerce personality card has the card number that is associated of putting down in writing simultaneously, giving with the past credit number and the Mobile Directory Number that limit credit card society in the past.

The 4th kind of ecommerce personality card has and the past credit number that limits credit card society in the past, comprises the card number that is associated that the credit number and the Mobile Directory Number of the ecommerce specific limit of credit card society are put down in writing simultaneously, given.

The 5th kind of ecommerce personality card is credit card society New Development, has the card number that is associated of putting down in writing simultaneously, giving with the credit number and the Mobile Directory Number of ecommerce specific limit.

The 6th kind of ecommerce personality card is according to the present invention, and network operater gives, and sells the information of buying coverage and the password of record on credit, and the Mobile Directory Number card number that is associated putting down in writing simultaneously, give.

Among the present invention ecommerce personality card storage comprise the information relevant with attributes such as the kind of buyer's age, purchase intention, differentiation enterprise or individual's purchase theme, sexes and the record password that can put down in writing to each service system.

Above-mentioned card number is a network that the buyer passes through network operater when using ecommerce, only can't know the number of buyer's the general symbolization of accounts of bank, ecommerce specific limit symbolization of accounts and mobile phone with card number.

And in the side such as security personnel and authentication, in order to confirm symbolization of accounts, after the special-purpose card number fan-in network of ecommerce window is confirmed to order goods, when the order data of the communication tool confirmation signal by the buyer and the service system (20) of network operater are integrated, the card number of ecommerce personality card and for the data of ordering goods, the service system of access bank.

Therefore, can prevent leaking of personal information, the security personnel that final solution exists and the problem of authentication in ecommerce.

The above-mentioned security personnel and the guarantee of authentication are suitable for when utilizing the system of credit card society too.

According to the formation of online ecommerce personality card of the present invention, the shape of the card among the present invention is numbered in simple part except magnetic part or the general card and also can in the shape of general credit card.

The attribute of ecommerce personality card, the card number of financial institution such as bank or credit card society and the commercial personality card of network operater electricity can authenticate the electronic payment specified account number (this might be account in the past) of the ecommerce specific limit symbolization of accounts and the customer payment of financial institution, buyer's Mobile Directory Number, E-MAIL address, the person's of offering database etc.

When this buys commodity on the net, import the card number of ecommerce personality card merely, authentication buyer's attribute is at first opened the project that shopping is liked, and does not import other means of settlement, personal information, destination information etc. after the shopping.But variable input during the change of destination.

And, according to the present invention, utilizing the ecommerce specified account of bank and other financial mechanism and the ecommerce specific limit system of credit card society, and the e-commerce system of personal communication tool, under the field of medicaments system of enforcement in 2000, also can be suitable for.

Fig. 8 is the structural drawing according to the e-commerce system that is suitable in the field of medicaments.E-commerce instances under the e-commerce system in the field of medicaments shown in Figure 8 is as follows.

First example is that injection drug is received by hospital, and the patient receives and adjusts medicine when (classifying automatically during the input chart), and the adjustment medicine is transmitted to the example of family.The process description of first example is as follows.

Phase one: buy people (200) the visit hospital (210) of pharmaceuticals, prompting buyer's medical card.The card number of medical card has also been put down in writing the number and the credit number of mobile phone.

Subordinate phase: the doctor that hospital is responsible for treating is input into the medical card affiliate web site with prescription.

Phase III: pass on prescription to join pharmacy (230), pharmacy (230) the input prescription amount of money to network service system of the present invention (220).

The quadravalence section: whether the permission of the Ka She that makes a credit inquiry (240).

Five-stage: after confirming whether to permit, by sending the terminal that button is sent to pharmacy (230).

The 6th stage: communication company's service system (250) promptly sends the settlement amounts that comprises pharmaceuticals O/No., clearing residue content to the person-to-person communication terminal in the mobile phone (205).

The 7th stage: after the pharmaceuticals buyer (200) of medicines such as hospital confirms, order pharmaceuticals.Import job number this moment and once pay, clearing forms such as monthly payment plan or moneying-out.

The 8th stage:, send the order content to credit card society (240) by the service system (250) of communication company.

The 9th stage: during with the card clearing, the order content is sent to credit card society (240).

The tenth stage: pharmacy will finish the pharmaceuticals of order and deliver to hospital (210), and buyer (200) is conveyed to pharmacy (230) with job number by mobile phone (205) after confirming pharmaceuticals.

The 11 stage: join pharmacy (230) according to job number, to the clearing of operator's network service system of the present invention (220) request input amount of money.

The tenth two-stage: according to the loan settlement request, network service system (220) is to the request clearing permission of credit card society, and credit card society (240) permission clearing.

The following describes the flow process of second example.Second example is after prescription is received by hospital, takes in pharmaceuticals buyer's family and visits that pharmacy application buys.

Phase one: pharmaceuticals buyer, patient (200) visit hospital (210), prompting buyer's medical card.

Subordinate phase: the doctor who is responsible for treatment in hospital (210), in the webpage with prescription input card member.

Phase III: pharmacy (230) is joined in patient (200) visit, prompting buyer's medical card or client's medical card number.

Quadravalence section: join the above-mentioned medical card number of pharmacy (230) input.

Five-stage: the service system of network operater (220) is in order to open prescription, the server of storing in the telephone number by mobile phone (205), and the number of record mobile phone to client's mobile phone (205), sends and opens asking for permission of prescription.

The 6th stage: patient (200) is by mobile phone (205), and prescription is opened in permission.

The 7th stage: send the prescription of joining pharmacy (230) by network operater service system (220), can watch in pharmacy (230).

The 8th stage: after pharmacy (230) adjusted, the input adjustment amount of money was confirmed clearing form (cash, customer card).

The 9th stage: during the card clearing, be sent to the account settlement server of credit card society (240), confirm the clearing permission.

The tenth stage: after the clearing permission, be sent to communication company's service system (250).

The 11 stage: communication company's service system (250) sends the order amount of money (comprising clearing residue content) to mobile phone.

The tenth two-stage: patient (200) confirms back clearing (monthly payment plan, payment successively).

The 13 stage: payment amount is sent to network service system (220) by communication company's service system (250).

The tenth quadravalence section: network service system (220) sends the clearing signal to credit card society (240).

The tenth five-stage: the clearing permission of credit card society (240) is identical with first example.

The 16 stage: to joining pharmacy (230) notice clearing permission.

The 17 stage: join pharmacy (230) medicine is delivered to patient (200).

Fig. 9 is the one-piece construction figure of another e-commerce system in the field of medicaments of providing according to the present invention.

With reference to Fig. 9, be as follows with the process description of the purchase form in the networks such as general medicine product, health-care food, Medical and health-care apparatus in the 3rd example.

Phase one: pharmaceuticals buyer (200) is by computer system (270) the requester network service system (220) of oneself, and behind the purchase pharmaceuticals, input buyer's medical card numbering sends the order content in network service system (220).

Subordinate phase: whether the clearing of network service system (220) affirmation order content, will be stored in and can confirm impact damper, and sending book confirnation to network service system (220) whether may to be.

Phase III: network service system (220) for buyer's (200) book confirnation whether, order amount of money, O/No. etc., be sent to communication company's service system (250).

The quadravalence section: communication company (250) is to the mobile phone (205) of buyer (200), whether transmits the clearing of ordering goods, O/No., the order amount of money etc., and buyer (200) confirms.

Five-stage: communication company's service system (220) is sent to network service system (200) with the content of confirming.

The 6th stage: network service system (220) is sent to provider services system (280) and Delivery Co., Ltd's service system (290) with definite buyer's (200) order content with purchasing order information.

The 7th stage: supplier and Delivery Co., Ltd deliver to the article of ordering in the place of buyer (200) appointment.

The 8th stage: after Delivery Co., Ltd transmits article, accept confirmation book and job number.

The 9th stage: after the supplier imports the job number of reception and registration, the application for credit clearing.

The tenth stage: network service system (220) is sent to credit card society (240) with the data of the relevant loan settlement of supplier's request, and request is confirmed.

The 11 stage: after credit card society (240) confirms the loan settlement request of supplier system (280), the service charge of deduction credit card society (240), network service system (220) deduction is communicated to the supplier with the remaining amount of money behind the funds of network service system (220).

In the ecommerce of field of medicaments, credit card society can replace bank to move according to the present invention.

Another example of the present invention, utilization is confirmed system according to the clearing of communication tool of the present invention, is that the buyer is not by network, directly after the shop is bought commodity or served, when using its loan of Credit Card Payments, be applicable to and confirm whether its credit card has just rights.

Credit card for the past, user with just rights is after commodity are bought in the shop, when using credit card in order to pay its expense, the director in shop or salesman utilize the credit card terminal in shop could the using of card of making a credit inquiry, when confirming the clearing possibility, by the people of Credit Card Payments loan, sign in the clearing of credit card with paper, settle accounts with this.

In the above-mentioned past system, credit card this loses card or by not when usufructuary people uses just when all, the problem that exists the amount of money to be misapplied.

Confirm system according to clearing of the present invention, if when using right person to use the Credit Card Payments loan, when whether the owner in shop uses credit card by the inquiry of credit card terminal, this request signal is sent in the service computer of communication company, serve therewith in the database of computer connection, whether investigation puts down in writing the communication numbering and the credit card numbering of storage.In database that the service computer of communication company is connected, the relevant data of communication numbering of the communication tool of storage credit card numbering and record credit card numbering.Communication company will send the affirmation signal of credit card payment to the communication tool of numbering with credit card and the record communication tool is numbered.The owner of credit card confirms request signal with this, oneself phone or communication tool such as pcs telephone in send the affirmation request signal.Confirm that this credit card owner who confirms request signal passes through credit card, for the affirmation signal of loan settlement, by the communication tool transmission of oneself, this signal is sent in the server of communication company, and be sent in the service computer of credit card society, credit card society confirms owner's use intention.

According to the present invention, utilize ecommerce specified account and the ecommerce specific limit system of credit card society and the e-commerce system of personal communication tool of bank and other financial mechanism, also applicable in utilizing the network of network insurance.

Purpose and the effect of recording and narrating the internet insurance system are as follows.

The purpose of internet insurance is, obtained development widely though recruit by the insurance of insurance company's network, but on the characteristic of insurance, online entrant is confirmed to be necessary in person, and insurance adds expense pays when carrying out on the net too, could doing the trick.The network of insurance company when client selects the online insurance commodity on the net, has the place of inconvenience because of moving respectively by company now, is difficult to expectation entrant's increase.And the present uniform Verification System of insurance company requires the client direct access registrar mechanism or the insurance company that add, receives after the certificates of recognition, downloads authentication key on the net, add fashionable authentication application after, the access authentication numbering is through the order of input.

In fact, entrant's unnecessary in the action behavior is the access authentication book and visits before the insurance company, add after receiving the introduction of insured goods, and be very natural addition sequence.And, for the access registrar mechanism that takes a policy is very factitious behavior.

So during selection online insurance commodity, disposable formation is wanted in affirmation and clearing in person, according to what once visit on the net, existence is a purpose of the present invention for full coverage selection of goods information.

The effect that can expect by the online insurance system is, according to authentication and the clearing in the order formation system of disposable insured goods, disposable online visit can be selected the full coverage commodity, by insurance company manage respectively online, realize the clearing of shopping and solid the integrating with automatically of P/G of authentication.

Figure 10 is according to another example of the present invention, the structural drawing of the e-commerce system by internet insurance.With reference to Figure 10, illustrate that the flow process by the insured ecommerce of network is as follows.

Phase one: client utilizes the computer (300) of oneself to connect according to behind the webserver of the present invention, client's computer is clicked network address in network service system (310), client's referral web site merchant's insured goods is clicked own insured goods of being willing to or insurance company's link part.

Subordinate phase: when client clicked the link portions of above-mentioned insured goods or insurance company, homepage was opened in registration in this insurance company in the service system of this insurance company (320) or the network address of insured goods ground client's the computer (300).The ICON of the insured goods that client selects oneself orders goods.

Phase III: meanwhile, signal for above-mentioned order, by communication company's service system (330), by ARS or SMS, be sent in above-mentioned client's the mobile phone (305), when client confirms that the purchasing order information in oneself the mobile phone (305) is consistent, the signal of confirming is sent to network service system of the present invention (310) by communication company's service system (330) again.Receive the network service system (310) of above-mentioned signal there from client, the information of the order signal unanimity that client confirms, send the service system (320) of this insurance company and the service system (340) of credit card society, the service system of this insurance company (320) is reaffirmed client's situation of truly ordering goods, send the O/No. data of above-mentioned insured goods to client's computer (300), client accepts this numbering.

The service system of credit card society (340) adds the volume information stores in confirming in the database with the insurance of relevant insurance commodity.In this state, the client of credit card society restriction is equivalent to insure the adding volume, is the state that reduces.

Client will be with the loan settlement means of insured goods, when utilizing automatic the exsomatizing of bank account, above-mentioned book confirnation data are sent in the ecommerce specific limit server of bank, freeze the suitable expense of this premium of insurance in the special-purpose frozen account server of ecommerce.

Quadravalence section: receive the order according to network service system of the present invention (310) and to confirm after the data, send client's purchasing order information data to service company's service system (350), service company will obtain binder in this insurance company according to the purchasing order information data, pass to client.After client received above-mentioned binder, the purchasing order information that insurance is added associated documents and insured goods was passed to service company, service company again with purchasing order information and file transfers to insurance company's service system (320).

Five-stage: insurance company's visit of the information of receiving the order is according to network service system of the present invention (310), intrinsic ID and the password of input insurance company, open the clearing window and import the signal of above-mentioned purchasing order information, this signal and clearing signal are by communication company's service system (330), by ARS or SMS, be sent in client's the mobile phone (305), the client that this signal is received by the mobile phone (305) of oneself confirms to order goods behind the signal, during for the clearing confirmation signal, the clearing signal is sent in the service system (340) of credit card society by communication company's service system (330) and network service system (310).Receive the service system (340) of the credit card society of this clearing signal, certifiable sum of insurance changes to affirmation in the phase III, settles accounts.

Except the flow process of above-mentioned explanation, client will be in the above-mentioned phase III, the corresponding to signal of purchasing order information is sent in the server of the server of this insurance company and credit card society, the server of this insurance company reaffirms whether client really orders goods, to send the purchasing order information data of above-mentioned insured goods to client's computer, client will receive this signal.

As above-mentioned, according to the present invention, the buyer settles accounts after can receiving article, prevent loss because of the supplier of vacation order generation, realize money transaction, prevent the leakage of personal information, bring the effect of huge use fund for bank and credit card society by transaction flow.This kind effect analysis is as follows.

1. the cargo interests formula realizes simplicity, fail-safe, correctness

, when member card numbering and order, can select to import orders for goods and destination information on the net, after the short message of the communication tool of actual order acceptance registration, affirmation could be settled accounts the back and be ordered goods, and prevents that the personal information outflow from reaching the order of my unacknowledged vacation.

2. accept and order for goods stability, the correctness of commodity

Buyer's loan for the settlement of accounts (bank: the ecommerce specified account with letter, credit card society: the ecommerce specific limit with the letter), the supplier be sure of to provide after the signal of article is transfused to the buyer, and buyer's affirmation signal re-enters, and loan is clearing automatically.So the payment in advance of buyer elder generation payment on account of credit, though the supplier realizes money transaction, correctly send out, receive and process subscriptions trader's product between this supplier and the buyer after, the transaction form that could form has solved each theme class problem of ecommerce.

At this moment, credit card society is not made as the network system in past joins society, actually provides the supplier of commodity for joining society's registration, cash, the transparency of establishing loan settlement.Under the mode in the past, supplier's credit problems is crucial, but in the native system, when actual provision person did not in time provide, buyer's clearing can not form, so false business transaction can not take place.

3. prevent false the order and processing deal

Order goods according to supplier's vacation, the problem that takes place in supplier and clearing society correctly prevents according to the data of network operater, communication company, clearing houses, supply company, Delivery Co., Ltd.For example, the supplier is for use of funds, pretends to be for the processing buyer orders goods and fund when preparing, and confirms according to the signal input that network is is respectively provided and delivered in the starting point, do not have the transaction of this signal to settle accounts to keep the back to check company's redress damage of finding.

4. the realization of money transaction

During according to the order loan settlement of buyer's communication tool, the supplier is because buyer's clearing, the information of just receiving the order, and Normal Goods provides according to buyer's order content, ensures the stability of cash settlement.

Embodiment according to the present invention, use buzz word to record and narrate, the item of in patent claim, putting down in writing, under the situation about not surmounting in inventive concept that is occurred and the field, can carry out various transformation or variation, this people who is the sector is grasped general knowledge understands.

Claims

1. a network electronic commerce system is characterized in that: comprising: the online buyer who concludes the business; Above-mentioned buyer's mobile phone; Client's entrusting system of the buyer that above-mentioned buyer uses for online shopping; Manage operator's service system of above-mentioned e-commerce system; The bank service system that dealing money in the above-mentioned ecommerce is settled accounts; And the communication services (PCS) system of formation mobile communication between above-mentioned operator's service system and the above-mentioned mobile phone; And above-mentioned bank service system comprises ecommerce specified account service system and the special-purpose frozen account service system of ecommerce.

2. e-commerce system according to claim 1, it is characterized in that: above-mentioned buyer has with above-mentioned Mobile Directory Number and puts down in writing the ecommerce personality card of the card number that the account number of the ecommerce specified account of above-mentioned bank matches, utilize the special-purpose card number visit of above-mentioned ecommerce operator service system, carry out ecommerce.

3. e-commerce system according to claim 2 is characterized in that: the special-purpose card number of above-mentioned ecommerce, and according to age of buyer or article purchase pattern and classifying and numbering.

4. e-commerce system according to claim 1, it is characterized in that: above-mentioned buyer is in above-mentioned operator's service system during order goods, the order signal is sent to above-mentioned mobile phone, the order signal correct the time, above-mentioned buyer is sent to above-mentioned ecommerce operator service system by above-mentioned mobile phone with confirmation signal

5. e-commerce system 4 according to claim 4, it is characterized in that: when above-mentioned ecommerce operator's service system is received above-mentioned confirmation signal, above-mentioned bank service system is found out above-mentioned buyer's account in above-mentioned ecommerce specified account, the settlement money of ecommerce is freezed in the special-purpose frozen account of above-mentioned ecommerce.

6. e-commerce system according to claim 1 is characterized in that: above-mentioned network electronic commerce system comprises that being responsible for supply buys the provider services system of article and Delivery Co., Ltd's service system that the article transmission of supply is handled.

7. e-commerce system according to claim 1, it is characterized in that: above-mentioned ecommerce specified account service system comprises and gives the certain amount of money of ecommerce and database credit limit, and above-mentioned database comprises that the teenager limits, commercially buys restriction and generally buy restriction.

8. e-commerce system according to claim 1, it is characterized in that: the amount of money of the ecommerce specified account of above-mentioned ecommerce specified account service system, only in the frozen account of the special-purpose frozen account service system of above-mentioned ecommerce, carry out access, freeze in the amount of money of the special-purpose frozen account service system of above-mentioned ecommerce, only in the special-purpose disbursement account of the ecommerce that the materials supply person that above-mentioned buyer buys offers, pay.

9. e-commerce system according to claim 1 is characterized in that: above-mentioned buyer receives by above-mentioned mobile phone each payment of ordering article payment signal that produces is provided.

10. e-commerce system according to claim 6, it is characterized in that: when above-mentioned supply service system proposes settlement requests to above-mentioned bank service system, receive above-mentioned buyer's O/No. from above-mentioned buyer or Delivery Co., Ltd, ID/ password according to the supplier connects above-mentioned operator's service system, input the above order numbering, send the confirmation signal again of the settlement requests of supply service system to above-mentioned buyer's mobile phone, when above-mentioned buyer sent the clearing confirmation signal by above-mentioned mobile phone, the settlement amounts of freezing in the special-purpose frozen account of the above-mentioned ecommerce of above-mentioned bank service system was settled accounts in above-mentioned supplier's account.

11. a network electronic commerce system is characterized in that: comprising: the online buyer who concludes the business; Above-mentioned buyer's mobile phone, client's entrusting system of the buyer that above-mentioned buyer uses for online shopping; Manage the operating service system of above-mentioned e-commerce system; The credit service system that dealing money in the above-mentioned ecommerce is settled accounts; And the communication services (PCS) system of formation mobile communication between above-mentioned operating service system and the above-mentioned mobile phone; And above-mentioned credit service is to comprise stored electrons commerce credits restricting data.

12. e-commerce system according to claim 11 is characterized in that: above-mentioned credit card society comprises department store.

13. e-commerce system according to claim 11, it is characterized in that: above-mentioned buyer has the ecommerce personality card of the account number of the ecommerce specified account that comprises Mobile Directory Number and put down in writing above-mentioned bank, utilize the special-purpose card number visit of above-mentioned ecommerce operator's service system, carry out ecommerce.

14. e-commerce system according to claim 11 is characterized in that: the special-purpose card number of above-mentioned ecommerce, according to age of buyer or article purchase pattern and classifying and numbering.

15. e-commerce system according to claim 11 and E-commerce method, it is characterized in that: when above-mentioned ecommerce operator's service system is received above-mentioned confirmation signal, above-mentioned bank service system is found out above-mentioned buyer's account in above-mentioned ecommerce specified account, the settlement money of ecommerce is freezed in the special-purpose frozen account of above-mentioned ecommerce.

16. e-commerce system according to claim 15 is characterized in that: when above-mentioned operating service system received above-mentioned confirmation signal, the service system of above-mentioned credit card society kept loan for the settlement of accounts, and the special-purpose credit limit of ecommerce is along with reducing.

17. e-commerce system according to claim 11 and E-commerce method is characterized in that: above-mentioned network electronic commerce system comprises that being responsible for supply buys the provider services system of article and Delivery Co., Ltd's service system that the article transmission of supply is handled.

18. e-commerce system according to claim 11 and E-commerce method, it is characterized in that: above-mentioned ecommerce specified account service system comprises and gives the certain amount of money of ecommerce and database credit limit, and above-mentioned database comprises that the teenager limits, commercially buys restriction and generally buy restriction.

19. e-commerce system according to claim 11 is characterized in that: above-mentioned buyer receives by above-mentioned mobile phone each payment of ordering article payment signal that produces is provided.

20. e-commerce system according to claim 17, it is characterized in that: when above-mentioned supply service system proposes settlement requests to above-mentioned bank service system, receive above-mentioned buyer's O/No. from above-mentioned buyer or Delivery Co., Ltd, ID/ password according to the supplier connects above-mentioned operator's service system, input the above order numbering, send the confirmation signal again of the settlement requests of supply service system to above-mentioned buyer's mobile phone, when above-mentioned buyer sends clearing during confirmation signal by above-mentioned mobile phone, above-mentioned credit card society service system remaines in the settlement amounts of above-mentioned ecommerce and settles accounts in above-mentioned supplier's account.

21. a network electronic commerce system is characterized in that: comprising: be the loan that the payment ecommerce takes place, store electrons commercial affairs specified account clearing value, processing is because of the ecommerce specified account service system of the access of the loan of ecommerce generation; And finish when ordering goods when above-mentioned ecommerce, the loan data of the amount of money of the loan that is equivalent to order goods till the final confirmation signal of above-mentioned loan payment is received, freezes the special-purpose frozen account service system of ecommerce of above-mentioned loan.

22. e-commerce system according to claim 21, it is characterized in that: above-mentioned ecommerce specified account service system comprises, for carry out that ecommerce can give certain amount of money with credit limit, the credit limit accounts database of storage credit limit data.

23. e-commerce system according to claim 21, it is characterized in that: above-mentioned ecommerce specified account service system comprises: for carrying out ecommerce, to deposit the money of certain amount of money in advance in, store the special-purpose payment in advance database of ecommerce of these advance account data.

24. e-commerce system according to claim 21 is characterized in that: above-mentioned ecommerce specified account service system comprises: be the loan that payment takes place because of ecommerce, the ecommerce that stores payment account data is with paying the specified account database.

25. a network electronic commerce method of utilizing bank electronic commercial affairs specified account and mobile phone, it is characterized in that: the network electronic commerce method comprised with the next stage: above-mentioned buyer is by the stage of client's entrusting system visit operator service system; The stage of the card number of the ecommerce personality card of giving by bank that input matches with above-mentioned buyer's Mobile Directory Number; The stage of request shopping; Confirm stage of avail limit of the network electronic commerce specified account of above-mentioned bank; Above-mentioned buyer receives the Order Checking signal by its mobile phone, confirms the stage of purchase order content; After above-mentioned buyer permitted above-mentioned purchase order, the amount of money that belongs to the order article in the commercial service-specific of above-mentioned bank electronic system was settled accounts on the ecommerce specified account, the temporary transient stage of confirming transaction; With the settlement data of above-mentioned ecommerce specified account with confirm that Transaction Information is sent to the stage of above-mentioned supply service system; Delivery Co., Ltd is submitted to above-mentioned buyer's stage behind above-mentioned supplier's acquisition order goods; Above-mentioned supplier asks to settle accounts the stage of shopping payment for goods again; For above-mentioned supplier's settlement amounts request, the buyer confirms the stage of transaction approval again; And send after above-mentioned buyer's the heavy confirmation signal stage of settling accounts.

26. e-commerce system and E-commerce method, it is characterized in that: the network electronic commerce method comprised with the next stage: above-mentioned buyer is by the stage of client's entrusting system visit operator's service system of the present invention; The stage of the card number of the ecommerce personality card of giving by credit card society that input matches with above-mentioned buyer's Mobile Directory Number; The stage of request shopping; Affirmation is in the stage of the avail limit of above-mentioned credit service system; Above-mentioned buyer receives the Order Checking signal by its mobile phone, confirms the stage of purchase order content; After above-mentioned buyer permitted above-mentioned purchase order, the amount of money that belongs to the order article in above-mentioned credit service system was settled accounts on the ecommerce specified account, the temporary transient stage of confirming transaction; With the settlement data of above-mentioned credit service system with confirm that Transaction Information is sent to the stage of above-mentioned supply service system and delivery service system; Delivery Co., Ltd is submitted to above-mentioned buyer's stage behind above-mentioned supplier's acquisition order goods; Above-mentioned supplier asks to settle accounts the stage of shopping payment for goods again; For above-mentioned supplier's settlement amounts request, the buyer confirms the stage of transaction approval again; And send after above-mentioned buyer's the heavy confirmation signal stage of settling accounts.