KR100354237B1 - Electronic commerce approval system and method thereof - Google Patents

Abstract

The present invention discloses an electronic commerce payment system and method thereof. When a buyer enters an affiliate code and a payment amount of a seller who purchased a product using a communication device while allocating a plurality of sellers and a payment agent, and assigning an affiliate code to each seller, the processing unit is assigned to the affiliate code. Follow the search of the seller's contact and notify the buyer of the deposit information. And if the delivery confirmation information that received the goods from the buyer is entered, the payment amount is deposited into the account of the seller. As such, the final transaction between the buyer and the seller is made based on the delivery of the goods and the payment of the goods, thereby reducing the possibility of embezzlement of goods by the seller. Electronic commerce takes place. On the other hand, even if the payment is made by card in e-commerce, the buyer pays the goods directly with the payment company without telling the seller his credit information. Commerce takes place

Description

E-commerce payment system and its method {ELECTRONIC COMMERCE APPROVAL SYSTEM AND METHOD THEREOF}

The present invention relates to an electronic commerce payment system and a method thereof, and more particularly, to an electronic commerce payment system and a method for making payment between a seller and a buyer securely and reliably in an electronic commerce.

The general method of selling a product is a method in which a seller displays a product in a sales shop and sells the product directly to a buyer who visits the shop. However, when a buyer orders a product advertised on a catalog or a TV, the seller delivers the product to the buyer. There is also a sales method, and in recent years, as the spread of the Internet rapidly increases, an e-commerce sales method for people around the world has been developed and used through the same medium as the Internet.

In e-commerce, a buyer who purchases a product generally connects to a site operated by a seller who is an Internet e-commerce company, purchases the product, and pays for the purchased product through online payment or card payment.

When paying with a card, the buyer enters credit information such as his or her credit card number on the seller's site, and the seller's server that receives the credit information encrypts the personal information such as the card number and sends it to the card company server. do. The card company server obtains the card approval through the card approval system connected with its database, and then transfers the approval details to the seller's server, whereby the seller's server enters into a purchase agreement with the buyer. And then deliver the goods to the buyer.

When paying via online deposit, the seller's server provides the customer with deposit information, such as an online bankbook number, on the site, and the buyer delivers the product to the buyer when the buyer deposits the goods in the seller's bankbook number. .

However, in such an e-commerce, the stability of the e-commerce is particularly high due to the anonymity of the trader and the possibility of leakage of transaction information.

In other words, when paying with a card at a general card merchant other than e-commerce or e-commerce, personal credit information such as the buyer's card number is exposed to the seller. For example, the seller uses the buyer's card number. There is a possibility that damage can be caused to the buyer, such as an illegal amount being paid for the card.

In addition, in an online prepayment settlement method through a bank or the like, even though a product price has been deposited, a product price of a buyer deposited due to the management circumstances of the sales company and immoral acts may be embezzled.

Therefore, it is an object of the present invention to ensure stable and reliable payment settlement between the buyer and the sales week.

In addition, another object of the present invention is to prevent the leakage of information in the e-commerce buyers and to secure anonymity so that more active e-commerce is achieved.

1 is a structural diagram of an e-commerce payment system according to an embodiment of the present invention.

2A to 2C are flowcharts of an electronic commerce payment method according to a first embodiment of the present invention.

3 is a flowchart of an electronic commerce payment method according to a second embodiment of the present invention.

In order to achieve this technical problem, the electronic commerce payment system according to the characteristics of the present invention, in the e-commerce where the buyer is connected to the seller's sales system through the purchase system to purchase goods, the affiliate code and contact information for the sales system A seller information database in which seller information including information is stored; And when the buyer inputs the affiliate code, the seller account number, and the payment amount of the seller who purchased the product using the purchase system, the buyer's deposit information is notified to the sales system corresponding to the affiliate code, and from the purchase system. And a payment processing device for depositing a payment amount into the seller's account when the delivery confirmation information indicating that the product has been received is input.

The sales system includes a product database storing data on a plurality of products to be sold, a buyer database in which shipping information including a contact number of a buyer who purchased the product and a delivery date of the product is stored, and an affiliation from the processing apparatus. It may include a sales processing device for receiving a code and sells the goods stored in the product database via the Internet or a telephone network. And when the payment information of the buyer is notified from the payment processing device, the sales processing device notifies the payment processing device of the shipping information of the buyer, and the payment processing device delivers a delivery confirmation document to the purchaser's purchase system on the date of delivery of the product. Confirm the buyer's delivery of goods by notifying.

The payment processing device requests the proof of delivery from the sales system when the information indicating that the product has not been received from the purchase system of the buyer is input, and the account of the buyer if the information proving the delivery fact is not input from the sales system. In the case of depositing a payment amount in the bank, and information proving the fact of delivery from the sales system is input, the payment amount is deposited into the account of the seller so that a secure electronic commerce can be made.

According to another aspect of the present invention, an electronic commerce payment system includes a database storing data on a plurality of products to be sold, and providing and selling product information stored in the database to a buyer connecting through a purchasing system. A sales server including a sales processing device to perform an operation; A seller information database that stores seller information including an affiliate code and contact information for the sales server, and an affiliate code of a sales server in which the buyer purchased the product using the purchase system, the credit card number of the buyer, and payment. And a payment server including a payment processing device that determines whether the purchaser's credit card number is approved, and notifies the sales server of the authorization information when the purchaser's credit card number is approved.

The sales server displays the product information when the buyer connects through the Internet using a purchase system, and when one product is selected, the sales server connects to the payment server to make a payment for the product between the purchase system of the buyer and the payment server. There is no inconvenience for the buyer to access the payment server separately.

According to another aspect of the present invention, in an electronic commerce payment method, a purchaser purchases a product using a purchase system in an electronic commerce payment system in which a buyer accesses a sales system of a seller and purchases a product. Notifying the buyer's deposit information to a sales system corresponding to the affiliate code when the affiliate code and the payment amount of the note are entered; And depositing a payment amount into the seller's account when the delivery confirmation information indicating that the product has been received from the purchaser's purchase system is input.

Requesting proof of delivery to the sales system when information indicating that the product has not been received from the purchase system of the buyer is input; Depositing a payment amount in the purchaser's account when information proving the fact of delivery is not input from the sales system; And depositing a payment amount into the account of the seller, when information proving the delivery fact is input from the sales system.

According to another aspect of the present invention, an electronic commerce payment method includes a sales server for selling a product over the Internet, and a purchase price communication system in an electronic commerce payment system including a payment server for performing a payment for a product in cooperation with the sales server. Displaying at least one product information by the sales server when connected through an internet network using a device; When the buyer selects one product, connecting the sales server to the payment server; Determining whether the payment server approves the card number when the purchaser inputs the card number and the payment amount of the buyer using the purchase system; And if the purchaser's card number is approved for the payment, the payment server notifying the sales server of the authorization information.

According to another aspect of the present invention, an electronic commerce payment method includes a buyer information database in which a seller information including stored affiliation code and contact information for a seller affiliated with a payment broker is stored and the seller information according to the seller information. In a payment system including a processing device for performing a payment of goods for a sales week, when the purchase owner accesses using a purchase system and inputs a credit card number, a payment amount and an affiliate code of the seller, the use of the credit card number is used. Determining approval; And notifying the seller of the authorization information when the credit card number is approved for use as the payment amount.

DETAILED DESCRIPTION Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

The present invention was developed on the basis of the fact that as information technology including communication is rapidly developed, the general public can directly access the computing device of a bank or a card company through a terminal such as a computer. In the following description, the payment for goods is described as an example, but the present invention is not necessarily limited thereto.

1 illustrates a structure of an electronic commerce payment system according to an embodiment of the present invention.

As shown in FIG. 1, an electronic commerce payment system and a method thereof according to an embodiment of the present invention include a purchase request device 10 and an Internet connected to a purchase request device 10 that enable a buyer to apply for a product purchase. 20, a sales server 30 connected to the Internet 20 to sell the goods ordered by the purchase application device 10, and a payment server 40 connected to the Internet 20.

As the purchase application device 10, a computer that can be connected to the sales server 30 or the payment server 40 through the Internet 20 is used. In addition, other communication devices such as a mobile phone that can be connected to the Internet 20 may be used. May be used.

The sales server 30 is operated by a sales owner who sells a product and includes a sales processing apparatus 31 and a database 32. The database 32 includes a product database 321 in which data of various products to be sold are stored, and a sales database 322 in which sales results of the sold products and addresses of buyers to which the sold products are delivered are stored. And a site administration database 323 in which a plurality of data necessary for operating the site are stored. The sales processing device 31 provides the information of the goods stored in the goods database 321 when the purchase application device 10 is connected through the Internet 20, and the sales data for the goods when the goods are sold by the buyer. To the sales database 322.

On the other hand, the sales server 20 is also connected to the public telephone network (PSTN) 40, so that the buyer can access the sales server 20 through the telephone network 40 in addition to the Internet to purchase goods.

The payment server 40 is operated by a bank or credit card company that performs payment for goods sold between a buyer and a sales week, and is composed of a payment processing device 41 and a database 42.

The payment processing device 41 performs payment for goods between the seller and the buyer according to the sales information input from the purchase application device 10, and also performs an e-mail transmission and reception function.

The database 42 includes a seller information database 421 in which information about the seller is recorded, a payment client information database 422 for recording information about the payment client, that is, the buyer, and approval of the requested payment. It includes a payment approval database 423 is recorded whether or not, in addition to the electronic document database 424 is recorded that documents transmitted and received via electronic mail.

In an embodiment of this invention, a seller represents an Internet site and an operator selling goods on the Internet, a buyer represents all Internet accessors who purchase goods from the seller, and an intermediary pays for goods purchased by the buyer. Internet sites and banks and credit card companies.

First, in the commerce settlement system according to an embodiment of the present invention having such a structure, a commerce settlement method according to the first embodiment of the present invention which arbitrates payment through online payment will be described.

2A to 2C show a flow of a commerce payment method according to a first embodiment of the present invention.

For example, a payment server 40 of a bank or credit card company that accepts payment through online payment receives a subscription request from a number of sellers who wish to interrogate payments, and checks each seller's credit information. Register sellers who meet certain conditions as members. In order to distinguish each seller, different affiliate codes are assigned to each seller, and then a plurality of sellers are classified by affiliate code and stored in the seller information database 421.

At this time, each affiliate code stores the contact information of the seller, for example, a general mail address and an e-mail address.

As described above, in the state in which a plurality of sellers are registered as members of the brokerage state, as shown in FIG. 2A, when the buyer connects to the seller owner site through the purchase application device 10, the sales processing device of the sales server 30 is provided. (31) provides information on the various products to be sold based on the data stored in the product database (321) (S110 to S120), and when the buyer selects the product, the price for the goods purchased by the sales server 30 Provide a payment menu to pay (S130 ~ S140). Next, when the buyer selects the online deposit payment through the purchase request device 10, the sales processing device 31 of the sales server 30 provides the online deposit account number for e-commerce and at the same time the payment server 40 of the intermediary. Additional information necessary for depositing the affiliated codes, etc., provided from the service provider are provided (S150).

In addition, the sales processing device 31 of the sales server 30 records information on the sold products in the sales database 322 for each buyer. That is, the delivery information such as the place where the goods are to be delivered, the delivery completion date, the delivery method, and the like are stored together with the purchase details such as the goods purchased for each buyer and the price of the corresponding goods. In addition, the contact information of the buyer is stored together.

The purchaser receives the online deposit account number and the seller's affiliate code required for the payment from the sales server 30, and then applies for the online deposit to the seller's account by telebanking, Internet home banking, or a direct bank. . At this time, the buyer fills in and submits the seller's affiliate code and the price of the product together with the seller's online deposit account number (S160).

If the payment processing device 41 of the payment server 40 is input via the Internet 20 or through its own input device (not shown), deposit information such as an online deposit amount, a deposit account number, and a sales partner partnership code is inputted. Payment information for each buyer is recorded in the payment requester information database 422 (S170).

Next, the payment processing device 41 of the payment server 40 searches the seller database 421 based on the seller's affiliate code among the payment information, and contacts the seller, for example, an e-mail address having the affiliate code. Find it. Then, the payment processing device 41 transmits the purchaser's deposit details to the searched contact person's contact information (S180 to S190).

The sales processing unit 31 of the sales server 30 sends the purchase details of the buyer to its e-mail address, searches the sales database 322 to determine whether the payment details match according to the purchase information of the corresponding buyer. After confirming, the buyer's contact information and delivery information is transmitted to the payment server 40. At this time, the sales server 30 is connected to the payment server 40 through the Internet 20 or transmits the information using an e-mail (S200).

The payment server 40 stores the buyer's contact and shipping information transmitted from the sales manager's sales server 30 in the payment approval database 423, and then, for example, the buyer's contact information on the scheduled completion date according to the shipping information. The goods arrival confirmation document is sent to the e-mail address (S210). Alternatively, the goods arrival confirmation document may be sent through the post office.

When the purchaser receives the goods arrival confirmation document from the payment server 40, the buyer transmits the goods arrival information to the payment server 40 again according to whether the goods arrive (S220). At this time, the buyer may access the web site of the payment server 40 through the Internet 20 to input the goods arrival information, or may transmit the goods arrival information to the mail address of the payment server 40 through the e-mail. .

On the other hand, if there is an error in the goods arrived, the buyer transmits along with the goods arrival information objection information to object to the goods.

The payment server 40 stores the goods arrival information transmitted from the buyer in the payment approval database 423, and then deposits the goods price into the account of the seller according to whether the goods have arrived at the buyer (S230 to S240). ). That is, when the goods arrive to the buyer, the money of the buyer, which was preparing for transfer, is remitted to the seller's account, and the payment is notified to the seller's contact information (S250). After the elapsed time, the product arrival confirmation document is transmitted to the contact point of the purchaser, and then the product contact point is notified to the contact point of the seller (S260 to S270).

In this way, until the arrival of the information that the goods arrived from the buyer until the arrival of the goods arrival confirmation document to the buyer's contact continuously. However, if the information that the goods have arrived from the buyer by the maximum set time is not transmitted, the payment server 40 sells to determine the possibility that the seller may not deliver the goods but the buyer did not receive the goods. Request to submit a proof of delivery that can prove the fact that the goods, such as the certificate of completion of delivery of goods to the contact details (S280).

In response to the request of the payment server 40, the seller may submit a product delivery certificate through e-mail or mail. The payment server 40 transfers the price of the goods deposited by the buyer to the seller's account when the product delivery certificate is submitted from the seller in the state that the goods have not arrived to the buyer, and sends the deposit to the seller's account. Notify both the buyer and the buyer (S290 to S310). However, if a product certificate is not submitted from the seller, the goods are deposited into the buyer's account, and both the seller and the buyer are notified of the deposit to the buyer's account (S320 to S330).

On the other hand, if the objection information is sent from the buyer along with the information that the goods have arrived, the payment server 40 is the buyer who received the payment until the disputed problem is resolved in accordance with the safe e-commerce regulations set by the bank Have the bank keep the goods for you, and then send their information from the buyer to the seller's contact for correction. At this time, the payment server 40 requests the return of the goods to the buyer's contact information, and thus, when the completion of the return according to the return of goods from the seller is notified, the payment of the goods of the buyer to the buyer's account.

As such, the final transaction between the buyer and the seller is made according to whether the bank delivers the goods and deposits the price of the goods between the buyer and the seller.

Next, a description will be given of a commerce settlement method according to a second embodiment of the present invention for mediating payment of goods using a card payment in the commerce settlement system shown in FIG. 1.

3 shows a flow of a commerce payment method according to a second embodiment of the present invention in sequence.

As shown in FIG. 3, when a purchaser connects to a site operated by the seller using the purchase application device 10, the sales server 30 uses the information of various goods in the same manner as the first embodiment described above. If the buyer selects the product according to the product information provided by the card payment menu provides (S400 ~ S430).

When the purchaser selects the card payment through the purchase request device 10, the sales processing device 31 of the sales server 30 immediately connects to a site of an intermediary, for example, a card company (S440). Accordingly, the payment processing device 41 of the payment server 40 of the card company requests the card number input and the buyer inputs his or her card number through the purchase request device 10 (S450 to S460). The card number is queried to a separate authorization center to determine whether the card is approved, and then the authorization details are stored in the payment authorization database 423.

Next, the payment processing device 41 of the payment server 40 transmits approval details such as a payment approval number to the sales server's sales server 30 through the Internet 10 or an e-mail (S470). 30 determines that the payment has been made and delivers the product to the buyer (S490).

More specifically, when the purchaser's card is approved and the price of the product is settled, the sales manager's sales server 30 receives the shipping information such as the destination of delivery, the desired delivery date, etc. from the buyer, and stores it in the sales performance database 312. And then deliver the goods to the buyer on the desired delivery date.

Accordingly, the purchaser may purchase the merchandise sold by the seller without informing the seller of his or her card information, and the card company's site is automatically connected without having to access the card company's site again after accessing the sales site. Buyers can conveniently pay for their products by accessing.

Meanwhile, in the second embodiment described above, the electronic commerce is performed between the seller and the buyer through the Internet. However, the present invention is not limited thereto, and even when the seller is a general card merchant, payment can be made as follows. In this case, the seller may be an e-commerce company, which includes all commercial transactions such as restaurants and merchandise shops.

When the buyer purchases the seller's merchandise (including when he / she has eaten at a restaurant) while the seller is affiliated with the card company and given an affiliate code as in the first embodiment described above, the buyer applies for his purchase. The device 10, for example, connects to a card company through a mobile communication device, an Internet phone, a PDA terminal, a laptop, and the like, and requests a payment, and accordingly, the payment server 40 of the card company sells the card number to the buyer. Attention Ask for an affiliate code.

When the buyer enters his or her card number and the seller's affiliate code, the payment server 40 searches the seller database 421 to find the seller's information (contact information, etc.) having the entered affiliate code, and then the buyer's information. Authorize the card number to pay for the merchandise and notify the seller's contact details.

Therefore, as the purchaser is directly connected with an intermediary such as a card company and not through the seller, and the card is approved for use, leakage of the buyer's credit information can be prevented.

This invention is capable of various modifications and implementations without departing from the scope of the following claims.

As described above, according to an embodiment of the present invention, as the intermediary between the buyer and the seller in the electronic payment system, the final transaction between the buyer and the seller is made according to whether the goods are delivered or the price of the goods is deposited. This reduces the possibility of embezzlement of commodities and results in secure e-commerce.

In addition, as the buyer pays the price of the goods directly with the card company without informing the seller of his or her card information, the buyer's credit information is prevented from leaking and secure commerce is achieved.

In addition, since the seller can make a purchaser's card approval and payment without using a separate card applicator, commerce using the card payment can be actively performed.

Claims (9)

(Correction) In a payment system of an e-commerce in which a buyer accesses a sales system of a seller and purchases a product through a purchase system including an access device to an internet communication network, the seller includes an affiliate code and a contact number for the sales system. A seller information database in which information is stored; And If the seller's affiliate code from which the buyer purchased the product from the bank, along with payment completion information (including the seller's account number and payment amount) indicating that the buyer has completed payment for the product, the sale corresponding to the affiliate code A payment processing device that notifies the purchaser of the payment completion by the system so that the product is delivered to the buyer, and subsequently deposits the payment amount to the seller's account when delivery confirmation information indicating that the product has been received from the purchaser's purchase system is provided. E-commerce payment system comprising a. (Correction) The method according to claim 1, The sales system includes a product database storing data on a plurality of products to be sold, a buyer database in which shipping information including a contact number of a buyer who purchased the product and a delivery date of the product is stored, and an affiliation from the processing apparatus. A sales processing device which receives a code and sells the goods stored in the goods database through the Internet or a telephone network; The sales processing device notifies the payment processing device of the shipping information of the buyer when the payment completion information of the buyer is notified from the payment processing device, and the payment processing device delivers a delivery confirmation document to the purchaser's purchasing system on the delivery date of the product. An e-commerce payment system that notifies the buyer of the shipment of goods. (delete) (Correction) A system for settlement of commerce between a buyer and a seller, the system comprising: a seller information database storing seller information including an affiliate code and contact information for the seller; And When the purchase information including the credit information including the credit card number of the buyer and the payment amount is provided together with the affiliate code for the seller from the purchase system of the buyer, the payment is performed using the purchaser's credit information and the purchase information. And the payment processing device notifying the contact point of the seller of the result of the payment completion. E-commerce payment system comprising a. (Correction) The method according to claim 4, The seller is an electronic commerce payment system, characterized in that the merchant. (Correction) Seller information in which the buyer accesses the seller's sales system through the purchase system to make an e-commerce payment to purchase goods, and stores the seller information including the affiliate code and contact information for the sales system. database; In the payment method of the system comprising a processing device for performing a payment based on the information, If the seller's affiliate code from which the buyer purchased the product from the bank is provided along with payment completion information (including the seller's account number and payment amount) indicating that the purchaser has completed the payment for the product, the processing unit sends the affiliate code. Searching the database on the basis of finding the contact information of the sales system; The processing device notifying the sales system that the purchaser has completed the payment so that the corresponding product is delivered to the purchaser; Providing the shipping information including the contact information of the buyer from the sales system, the processing device inquiring whether the delivery is completed by the contact information of the buyer; And When the information indicating that the delivery is completed from the purchaser's purchase system is provided, depositing the payment amount to the account of the sales system E-commerce payment method comprising a. (Correction) According to claim 6, Requesting proof of delivery to the sales system when information indicating that the product has not been received from the purchase system of the buyer is input; Depositing a payment amount in the purchaser's account when information proving the fact of delivery is not input from the sales system; And The electronic commerce payment method further comprises the step of depositing the payment amount to the account of the seller, if the information that proves that the delivery from the sales system is input. (delete) (Correction) A process of performing a payment for goods between a buyer and a seller in accordance with a seller information database storing seller information including an affiliate code and contact information for a seller who has affiliated with a payment broker and the seller information. In the payment method of a payment system including a device, Determining the approval of the use of the credit card number when the purchaser accesses the purchase system by inputting a credit card number, a payment amount and an affiliate code of the seller; And Notifying the seller of the authorization information if the credit card number is approved for the payment amount; Commerce payment method comprising a.