KR100330518B1 - Credit card payment system and method for electronic business - Google Patents

Abstract

The present invention relates to a credit card payment system and payment method for e-commerce. More specifically, when a buyer pays with a credit card, the card company assigns an e-commerce temporary approval number and stores the temporary approval number in a computer that manages the temporary approval number. E-Commerce by granting approval decision authority and approval cancellation authority to convert provisional approval number to normal approval number jointly with buyer and seller, and then decide temporary approval number as normal or minimum transaction when both buyer and seller agree. Sellers and buyers can trade securely on the market.

The present invention provides a personal computer connected to a communication network; A shopping mall server connected to the personal computer through a communication network to provide product information and seller information; When the buyer information, the seller information and the transaction information are normally input to the personal computer and the buyer credit card can be paid, the temporary approval number is given and the temporary approval number and the receipt information are notified to the buyer and the seller by e-mail. Receiving unit, receiving information consisting of buyer / seller information and transaction information with provisional approval number registered and inquiry part to be searched by temporary approval number, and temporary approval number for the transaction completion registration information of buyer as normal transaction And a card company server having an approval decision management unit that determines a temporary approval number as a cancel transaction through a computer network for the returned registration information of the seller.

Description

CREDIT CARD PAYMENT SYSTEM AND METHOD FOR ELECTRONIC BUSINESS}

The present invention relates to a credit card payment system and payment method for e-commerce. More specifically, when a buyer pays with a credit card, the card company assigns an e-commerce temporary approval number and stores the temporary approval number in a computer that manages the temporary approval number. E-Commerce by granting approval decision authority and approval cancellation authority to convert provisional approval number to normal approval number jointly with buyer and seller, and then decide temporary approval number as normal or minimum transaction when both buyer and seller agree. Sellers and buyers can trade securely on the market.

Generally, in electronic commerce, payment is made by credit card or by bank wire transfer.

In a credit card transaction, the buyer first provides the card number to the seller, and then the seller receives a transaction approval number from the card company and sends the goods to the buyer. This credit card payment method is a seller-centered transaction method, and the buyer pays the price, but it is difficult to return the item when the item to be purchased is not delivered or there is a defect in the purchased item. As a result of the transaction, the handling of card fees has become a problem.

Conventionally, electronic cash cards and encryption technologies have been developed to prevent financial accidents in electronic commerce, but personal credit cannot be identified directly. Increasing cases of exposure of information, difficulty in returning goods, and escaping the price of goods have resulted in distrust of e-commerce.

The technical problem to be achieved by the present invention is to improve the seller-oriented payment method of receiving the goods after the pre-payment, such as the existing credit card payment, give a temporary approval number and then store the temporary approval number in a computer that manages the temporary approval number Buyer and seller jointly have the authority to decide the approval and the right to cancel the authorization to convert the product to the normal approval number, so that the seller is guaranteed payment and the buyer holds the transaction approval until the buyer takes over the goods normally. To provide a payment method.

Such an object of the present invention is a personal computer connected to a communication network; A shopping mall server connected to the personal computer through a communication network to provide product information and seller information; When the buyer information, the seller information and the transaction information are normally input to the personal computer and the buyer credit card can be paid, the temporary approval number for the e-commerce is given and the temporary approval number and the receipt information are emailed to the buyer and the seller. The receiving unit which notifies the receptionist, the receiving unit which consists of the buyer / seller information and transaction information to which the temporary approval number is assigned and the inquiry unit which allows the inquiry to be made by the temporary approval number, and the temporary approval number for the transaction completion registration information of the buyer It is achieved by the electronic commerce payment system and payment method using the card company server which has an approval decision management unit for determining the normal transaction and determining the temporary approval number as the cancel transaction through the computer network for the return completed registration information of the seller. Lose.

If there is no transaction completion information or return information of the buyer within the contract period, the approval decision management unit of the server determines the temporary approval as a normal transaction, and if there is no return completion information or rejection information of the seller within the contract period after the buyer's return information registration, the temporary approval is granted. A processing step for determining a cancel transaction may be added.

1 is a block diagram showing a credit card payment system for e-commerce of the present invention

2 is a flowchart illustrating a process of processing transaction information in a card company server according to an embodiment of the present invention.

<Description of the symbols for the main parts of the drawings>

10: personal computer 20: the mall server

30: card company server

Preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a simplified block diagram showing an electronic commerce system of the present invention, which includes a personal computer 10 for a buyer connected to a communication network; A shopping mall server 20 connected to the purchaser's personal computer 10 through a communication network to provide product information and seller information; When the buyer information, the seller information and the transaction information are normally input to the personal computer 10 and the buyer credit card is payable, the temporary approval number is given and the buyer and the seller receive the temporary approval number and the receipt information by e-mail. Receiving unit that notifies the user, Buyer / Seller information assigned to the temporary approval number and the receiving government which consists of transaction information is registered and the inquiry part to be searched by the temporary approval number, and the transaction completion registration information of the buyer through the computer network According to the present invention, a card company server 30 having an approval decision management unit for determining an approval number as a normal transaction and determining a temporary approval number as a cancel transaction through a computer network for a seller's return completed registration information is provided. ) To the network to select the items you want to buy in the mall Weaver (20), the seller must provide information such as the selected item number, item price, including transaction information with the seller of the representative numbers, e-mail address.

The buyer connects the personal computer 10 to the card company server 30, and purchases information such as his / her card number, password, e-mail, address, and seller information such as an agency number, e-mail, address, etc. obtained from the shopping mall server 20; Registration information consisting of transaction information such as item number and price of goods is registered.

As shown in FIG. 2, the card company server 30 assigns a temporary approval number to the buyer and the seller through an email of the buyer information and the seller information when the registered buyer's reception information is normally entered and payable. Notify each of them.

In addition, the card company server 30 registers the temporary approval number with the reception information in the database.

That is, the approval decision authority and the approval cancellation authority for converting the temporary approval number to the normal approval number are granted to the buyer and seller jointly so that the approval status is achieved.

Such transaction information is registered in the database and the buyer or seller can check the progress using the temporary approval number after accessing the card company server 30 through the communication network.

In this case, the reception information provided to the buyer and the seller is, of course, the minimum information necessary for the goods transaction.

In the approved state, the seller is notified of the receipt information by e-mail and the goods are sent to the buyer.

The buyer decides to complete or return the transaction after receiving the goods.

The purchaser connects the personal computer 10 to the card company server 30 through a communication network and registers transaction completion information or return information as a result of the transaction using a temporary approval number, his or her card number, a password, and the like.

The card company server 30 notifies the seller by e-mail when the buyer registers the transaction completion information and determines the temporary approval number as a normal transaction, and when the buyer registers as the return information, the temporary approval number remains in the approved state.

When the buyer returns the goods, the seller confirms this and connects with the card company server 30 through the communication network, and then returns or rejects the returned information to the card company server 30 by using a temporary approval number, his agency number, and a password. Register the information.

The card company server 30 notifies the buyer of the registration result of the seller by e-mail, and when the seller registers the return completion information, determines the temporary approval number as the minimum transaction.

If the seller registers the rejection information, the card company server 30 registers this in the database as transaction suspension information and notifies the card company side, and the temporary approval number is processed according to the contract of the buyer, the seller and the card company.

On the other hand, when the temporary approval number is given as shown in FIG. 3 and transaction completion information or return information is not registered from the buyer within the contracted date, the card company server 30 determines this as registration of the transaction completion information and sets the temporary approval number. The addition of the decision to be a normal transaction can eliminate the problem caused by delaying payment even though the buyer has received the item normally.

Also, if the buyer does not register the return completion information or rejection information from the seller within the contracted period after the return information registration, the card company server 30 determines this as the return completion information and determines the temporary approval number as a cancel transaction by adding a step Even if the seller received the goods without any problem, the problem caused by delaying the transaction cancellation can be solved.

That is, in the electronic commerce of the present invention, the buyer selects a desired item in a shopping mall through an internet network;

Accessing and entering the purchaser information together with the transaction information and the seller information provided by the shopping mall server 20 to the card company server 30;

After receiving the goods, the electronic commerce can be completed by entering transaction completion information or return information.

Seller is notified by email of the transaction number and transaction information from the card company server 30 may send the goods.

Card company server 30,

Notifying the buyer and the seller by e-mail of the temporary approval number and the reception information when the purchaser's reception information is normally input;

If the provisional approval number is given, providing transaction details by receipt information;

If there is no registration information of the buyer within the contract period after the provisional approval number is assigned, determining the temporary approval number as a normal transaction;

Determining a normal transaction with respect to the transaction completion registration information of the buyer;

If there is no registration information of the seller within the contract period after the return information registration of the buyer, determining the temporary approval number as a cancel transaction;

The e-commerce transaction is completed through the step of determining the temporary approval number as the canceling transaction for the seller's return completed registration information.

As described above, the present invention allows the purchaser to be guaranteed a safe purchase and refund of the goods by allowing the purchaser to hold the transaction approval until the transaction is completed normally and to allow the transaction to be decided by the agreement between the buyer and the seller. In addition to being able to guarantee the payment of money, it is possible to securely return the goods sold when refunding, thereby preventing any financial damages in the case of payment by credit card or online remittance by the existing e-commerce.

In the above described the present invention limited to the preferred embodiment, it should be understood that various modifications and variations are possible within the scope of the appended claims by those skilled in the art.

Claims (10)

A personal computer 10 connected with a communication network; A shopping mall server 20 connected to the purchaser's personal computer 10 through a communication network to provide product information and seller information; When the buyer information, the seller information and the transaction information are normally input to the personal computer 10 and the buyer credit card is payable, the temporary approval number is given and the buyer and the seller receive the temporary approval number and the receipt information by e-mail. Receiving unit for notifying the user, Buyer / Seller information assigned to the temporary approval number and receiving information consisting of transaction information is registered and the inquiry unit for inquiry by the temporary approval number, and the transaction completion registration information of the buyer through the computer network Credit card payment system for e-commerce consisting of a card company server (30) having an approval decision management unit for determining the authorization number as a normal transaction and determining the temporary approval number as a cancel transaction through the computer network for the returned goods registration information of the seller. According to claim 1, the buyer personal computer 10 is connected to the card company server 30 via a communication network, instead of being given a temporary approval number, the buyer to the shopping mall server 20, such as card number, e-mail, address, etc. When the information is registered, the shopping mall server 20 is connected to the card company server 30 through a communication network to provide buyer information, seller information, and transaction information. Credit card payment system. According to claim 1 or 2, wherein the approval decision management unit of the card company server 30 determines that the temporary approval number as a normal transaction if there is no registration information of the buyer within the contract period after the provision of the temporary approval number Credit card payment system for commerce. The method of claim 1 or 2, wherein the approval decision management unit of the card company server 30 determines the temporary approval number as a cancel transaction if there is no registration information of the seller within the contract period after the return information registration of the buyer. Credit card payment system for e-commerce. According to claim 1 or 2, wherein the approval decision management unit of the card company server 30 automatically changes the temporary approval number, such as transaction completion information, return information, return completion information, rejection information by email to the buyer or seller to the buyer Credit card payment system for e-commerce, characterized in that the notification. In e-commerce over the Internet, A purchaser connecting the shopping mall server 20 with the personal computer 10 to select an article; Providing the purchaser with the registered information of the goods and the seller registered in the database of the shopping mall server 20 through a communication network; A reception information input step of the purchaser accessing the card company server 30 through the personal computer 10 and inputting registration information and purchaser information of the goods and the seller; If the reception information of the purchaser is normally input, after the card company server 30 assigns a temporary approval number, notifying the buyer and seller of the temporary approval number and the reception information by e-mail; Determining the temporary approval number as a normal transaction through the computer network for the transaction completion registration information of the buyer; E-commerce credit card payment method comprising the step of determining the temporary authorization number as a canceled transaction through the computer network for the return completed registration information of the seller. 7. The shopping mall server according to claim 6, wherein the purchaser inputs the purchaser information by modifying a reception information input step in which the purchaser accesses the card company server 30 through the personal computer 10 and inputs the registration information and the purchaser information of the goods and the seller. The credit card payment method for electronic commerce is transformed into a reception information input step (20) is connected to the card company server 30 through a communication network to enter the registration information and buyer information of the goods and seller. [8] The method of claim 6 or 7, wherein the provision of the transaction proceedings is provided by the reception information when the provisional approval number is assigned. 8. The method of claim 6 or 7, wherein if there is no registration information of the buyer within the contract period after the provisional approval number is assigned, the step of determining the temporary approval number as a normal transaction is added. . 8. The method of claim 6 or 7, wherein if there is no registration information of the seller within the contract period after the return information registration of the buyer, the step of determining a temporary approval number as a cancel transaction is added.