KR100383151B1 - Method for informing electronic settlement specifications on internet - Google Patents

Abstract

The present invention informs that the order has arrived through a telephone owned by the merchant, and the web server and the card check and the electronic payment service center are connected by a three-way call method, so that payment is made through the check check and there is no computer related knowledge. The present invention relates to a method of notifying electronic payment details on the Internet that enables merchants to easily conduct electronic commerce.

A first step in which a consumer selects a desired item and requests a purchase by accessing a web site through which e-commerce is carried out on the Internet; In the first step, when the consumer's information, the amount of payment and payment terms are entered, the merchant confirms the transaction approval by calling the merchant's electronic payment service center using a three-way currency function. A second process of performing an electronic payment by issuing a credit card slip using a card checker; And a third step of transmitting a text message to a pager or a mobile phone to inform the merchant of the transaction information ordered by the customer when the electronic payment is normally terminated in the second step.

Description

Method for informing electronic settlement specifications on internet}

The present invention relates to a method for notifying electronic payment details on the Internet, and more specifically, an Internet e-commerce mall (MALL) made by merchants of the COMA or SMEs by introducing a CTI system which is widely used as a telesales and unmanned information service equipment. When a transaction is made on the web, the order information is delivered in real time through a general communication means such as a telephone, a pager, or a mobile phone text message, and the delivery information is transmitted to the CTI server of the shopping mall management center. While walking through the ARS service, the customer enters the delivery time and informs the delivery time via e-mail or pager mobile phone message through the web server, and the goods payment is made through the CTI server to make the electronic payment through the card check in the store remotely. Traders who do not have computer knowledge can easily To give it to the e-commerce relates to an electronic payment method details notice on the Internet.

Recently, with the development of Internet-related technology, the population of shopping at home through internet shopping malls using personal computers is increasing.

Referring to the configuration diagram of Figure 1 and the flow chart of Figure 2 will be described the process of the current e-commerce generally performed.

First, consumers (1) access the Internet network through their own computer (S1) and then search for a website (S2), access the desired website (S3) to retrieve the goods in the shopping mall (2) on the Internet After confirming (S4) filling out the order form and requesting the purchase of the item (S5), the merchant (operator) who operates the shopping mall 2 on the Internet confirms the order form through e-mail or order management program. .

At this time, the information of the completed application form is provided to the payment system (3) of the company that encrypts the payment and passes to the card information authentication center (4) through security. The card information authentication center (4) confirms the identity and availability of the card and notifies whether the approval in real time (S6). If the approval is made in the above process, the shopping mall 2 creates a transaction slip (S7), notifies the product supplier 5 of the approved order information to order the corresponding product, and sends the transaction details to the consumer 1. Sent via email (S8).

Thereafter, the product supplier 5 delivers the product to the consumer 1 according to the order (S9). At this time, the product price is settled to the bank 6 from the card company of the card information authentication center 4 enters the bank account of the shopping mall (2) (S10).

However, the above-mentioned e-commerce process requires merchants to establish a merchant server for the management of shopping malls, so they must have a computer with internet access, so the initial investment is expensive, and the effect is opaque compared to the cost burden. Problem occurs.

In addition, because the computer is always connected to the Internet and checks the mail at regular intervals to confirm that the order form has arrived, the delivery time is delayed because the arrival of the order form cannot be confirmed quickly. There is a problem that occurs in the inconvenience of use.

The present invention has been made in order to solve the problems of the prior art as described above, when a transaction is made on the web, the order fact notification is delivered in real time as voice or text to the merchant's phone, pager, mobile phone through the CTI server, delivery information and The detailed order information is identified by the merchant through the ARS service attached to the CTI server, and the payment for the goods is made easily through the CTI server, through which the electronic payment is made through the merchant card size of the merchant. The present invention provides a method of notifying electronic payment details on the Internet through which commerce can be performed.

1 is a block diagram illustrating the progress of a conventional electronic commerce

2 is a flow chart showing the progress of a conventional e-commerce

3 is a block diagram of the Internet electronic payment system to which the present invention is applied

4 is a flowchart illustrating a process of notifying electronic payment details on the Internet according to the present invention.

Explanation of symbols on the main parts of the drawings

10: Computer 20: Shopping Mall Management Center

21: Web Server 22: CTI Server

30: Electronic Payment Service Center 40: Supplier

41: telephone 42: security card

43: Card Size

According to a feature of the present invention for achieving the above object, the first step of the customer to access the web server of the shopping mall management center for the electronic commerce through the Internet communication network via a computer to select the desired item and request the purchase approval; When the goods information and financial settlement information ordered by the customer is input to the CTI server of the shopping mall management center in the first step, the information files of the corresponding product suppliers are converted into data codes that can be requested to pay with the card size of the merchant. The CTI server calls the product supplier through a telephone communication network, calls the security card of the company, checks the security information between the company information and the CTI server and the security card, and sends out an operation command of the security card. A second step of calling the payment service center to send the customer's transaction information to confirm the transaction approval, and when the transaction is approved, issuing a slip with a credit card checker in the merchant's store to perform electronic payment; And if the electronic payment is normally terminated in the second process, the transaction information ordered using the CTI server is sent to the merchant by voice or text, and the merchant confirms the received customer order information to the CTI server of the shopping mall management center. A third step of registering the expected delivery time by listening to the ARS for the corresponding delivery information registered by the customer after making a security procedure by calling; A fourth step of notifying the ordering customer of the information registered in the third step of the order result and delivery time; Provides a method for notification of electronic commerce history on the Internet, including.

At this time, according to an additional feature of the present invention, in the third process, if the remote payment result is received from the security card of the store and confirms the normal termination and ends normally, the first step of registering the transaction information ordered by the customer in the database of the corresponding company; step; A second step of notifying the approval details such as an approval number, approval amount, installment information, approval date and time in the order customer; A third step of receiving the delivery-related information from the order customer as text and converting the voice information and storing the information in a database of the corresponding company together with the text information, and temporarily transmitting the information to the CTI server of the shopping mall management center; It may include.

Hereinafter, with reference to the accompanying drawings a preferred embodiment of the electronic payment history notification method on the Internet according to the present invention will be described in detail.

Figure 3 is a block diagram showing the configuration of the Internet electronic payment system to which the present invention is applied, Figure 4 is a flow chart showing the electronic payment history notification process on the Internet according to the present invention.

Referring to FIG. 3, reference numeral 10 denotes a computer capable of internet access owned by a consumer, 20 denotes a shopping mall management center that performs various operations according to an operation program required to perform electronic commerce, and 30 denotes an electronic payment. In order to carry out the transaction, the merchant represents an electronic payment service center, which is an authority that authenticates the existing card information, and 40 represents a product supplier for supplying the corresponding product. In this case, the shopping mall management center 20 is provided with a web server 21 and a CTI server 22 in which a CTI (computer and telephony integration) system is introduced, and the supplier 40 has a telephone 41. ), A security card 42 and a card size 43 is provided.

In this case, by dividing the dedicated circuit network and the high-speed network by the security series, the information access speed can be improved and the operational cost can be reduced. In the above, the consumer computer 10 and the shopping mall management center 20 are connected through an internet communication network, and the shopping mall management center 20, the electronic payment service center 30, and the product supplier 40 are connected to each other through a telephone communication network. It is preferable to connect.

Referring to Figure 4 describes the electronic payment history notification process of the present invention through the system having the above configuration as follows.

First, an ordering customer (consumer) accesses an internet communication network using a computer 10 (S11), then searches a website for electronic commerce (S12), and a web server 21 of a shopping mall management center having desired product information. (S13), introduces the CTI system, enjoys home shopping in a shopping mall on the Internet established by a confederate or small and medium merchants (S14), selects a desired item (S15), and fills out an order form to request purchase of the item. (S16).

At this time, the order customer enters his or her information (S17), after registering as a member or entering only credit card information, the payment amount and payment terms are entered to request approval.

When the goods information and financial settlement information ordered by the customer is transmitted to the CTI server 22 of the shopping mall management center in which the CTI system, which is widely known as an unmanned information service equipment, is transmitted (S18), the data of the card size is transferred by the operation program. Convert to code (S19). Subsequently, the CTI server 22 retrieves the information file of the corresponding product supplier 40 (S20), and the CTI server 22 calls the corresponding product supplier 40 through the telephone communication network to make the corresponding product. Call the security card 42 installed in the supplier (S21), and retrieve the customer information (ID, password, reception information, transmission and reception code number) (S22) and then check the security status (S23), security card operation command To send (S24), in order to use the three-party call method provided by the Korea Telecom to the CTI server by calling the electronic payment service center 30, the merchant of the supplier of the product is converted (S25) The data code, that is, the credit inquiry and transaction information of the customer for the transaction is sent to the security card 42 (S26) and then confirms the transaction approval (S27).

When the transaction is approved, the merchant controls the credit card check 43 of the merchant to issue a credit card slip (S28), and prints a logo confirming the security of the information on behalf of the order customer (S29). When the printing is terminated, the telephone call with the electronic payment service center 43 is stopped (S30), the normal termination of the remote payment is confirmed (S31), and if the normal termination of the transaction information ordered by the customer's database (DB) ) (S32), and notifies the ordering customer connected to the web server 21, the approval transaction details such as approval number, approval amount, installment information, approval date and time (S33), text related to delivery information from the customer After receiving the input (S34) is converted to voice information and confirmed by the customer and stored in the product supplier database (DB) with the text information, and delivers the information to the CTI server 22 to temporarily store (S35), The CTI server 22 sends a text message to a pager or a mobile phone using the CTI server 22 to notify the merchant of the product supplier (S36).

After that, the merchant checks the delivery information registration code message received by the mobile phone or pager, dials the CTI server 22 (S37), undergoes a security procedure (S38), and listens to the delivery information registered by the customer through ARS. Then, the delivery information is registered in detail with the button or voice of the expected delivery time (S39). At this time, when making a call using the phone connected to the security card, the customer ID and password are automatically transmitted, so that the CTI server 22 can be conveniently accessed.

Then, the delivery information registered by the merchant is also stored in the database (DB) of the product supplier, and informs the customer of the order and delivery time to the e-mail (E-mail), mobile phone message or pager (S40). Thereafter, the merchant delivers the goods to the ordering customer (S41), the payment is paid by the card company (S42), and the ordering customer pays the money to the bank.

After all, in the present invention, by connecting the CTI server system and the security card for remote communication control by a general telephone line, by connecting the security card and the card checker to the electronic payment service center subscribed to the merchant with the information sent from the CTI server approved card use Receiving the card slip in real time with the card check installed in the merchant's shop, and transaction history and delivery information can be heard in real time, so that small and medium merchants can do real-time e-commerce without a merchant server (Merchant Server).

As described above, the method of notifying the electronic payment history on the Internet of the present invention is the same as that of a merchant operating a server alone while a small business merchant constructs a website by renting a certain space without a merchant server. The payment system can be directly received from a credit card company or a bank, and since the e-commerce information can be obtained in real time without using a computer constantly connected to the Internet network, the convenience of use can be improved.

In addition, the merchant can call the CTI server of the shopping mall management center to listen to the delivery information through the ARS service and register the delivery schedule so that the order customer can be notified of the result with the registered information. In addition, according to the present invention, the merchant can use the existing credit information network, thereby eliminating the need to subscribe to the electronic payment system, thereby reducing the burden of securing and operating the Internet system and immediately confirming the payment. The customer can receive the transaction slip together with the goods and sign the transaction, which can reduce the anxiety of the transaction, speed up the delivery of the product, and obtain sufficient information on the goods.

Claims (3)

A first step in which a customer accesses a web server of a shopping mall management center through which an electronic commerce is carried out through a computer, and selects a desired item and requests approval of a purchase; When the goods information and financial settlement information ordered by the customer is input to the CTI server of the shopping mall management center in the first step, the information files of the corresponding product suppliers are converted into data codes that can be requested to pay with the card size of the merchant. The CTI server calls the product supplier through the telephone communication network, calls the security card of the company, checks the company information and the security status between the CTI server and the security card, and sends out the operation reputation of the security card. A second step of calling a payment service center to send a customer's transaction information and requesting a transaction approval, and when the transaction is approved, issuing a slip by a credit card checker in a merchant's store to perform electronic payment; And if the electronic payment is normally terminated in the second process, the transaction information ordered using the CTI server is sent to the merchant by voice or text, and the merchant confirms the received customer order information to the CTI server of the shopping mall management center. A third step of registering the expected delivery time by listening to the ARS for the corresponding delivery information registered by the customer after making a security procedure by calling; A fourth process of notifying the order customer of the order result and the delivery time of the information registered in the third process; Electronic payment history notification method on the Internet, characterized in that comprises a. The method of claim 1, wherein the third step comprises: a first step of receiving a remote payment result from a security card of a store and confirming a normal termination and then registering the transaction information ordered by a customer in a database of a corresponding company if it is normally terminated; A second step of notifying the order customer of approval details such as an approval number, an approval amount, installment information, and an approval date and time; A third step of receiving the delivery-related information from the order customer as text, converting the voice information, storing the text information in the database (DB) with the text information, and temporarily transmitting the information to the CTI server of the shopping mall management center; Electronic payment details notification method on the Internet, characterized in that comprises a. delete