KR100424143B1 - An Electronic Commerce Direct Method Solution with Guarantee Method of Confidence and Instant Messaging - Google Patents

Abstract

In the present invention, in the commerce / auction / reverse auction of goods and / or services over the Internet, a separate connection for managing the traders using an instant messenger (direct dealing instant messenger, hereinafter referred to as DIM) to which direct transactions, payment functions, etc. have been added Even without an intermediate server, both sides of the transaction are physically connected 1: 1 so that transactions / payments are possible, and the payment method uses an intermediate guarantee payment system.

Transactions through the DIM "trade room" according to the present invention are made through a 1: 1 physical connection between trading parties, and online transactions / auctions / reverse auctions, etc. without the intermediary broker concept, as in transactions using existing Internet websites, etc. Direct trading is possible, and the damage of hacking is minimized by distributing financial information of trades and traders, and the stability of transactions is secured by applying an interim guarantee system in settlement of transactions.

Description

An Electronic Commerce Direct Method Solution with Guarantee Method of Confidence and Instant Messaging}

The present invention relates to electronic commerce using the Internet, and more particularly, based on instant messaging technology, using a DIM program that does not require an intermediate management server to guarantee true 1: 1 direct transactions between trading parties, The present invention relates to an electronic commerce method using an intermediate guarantee payment and instant messaging that provides a transaction service that can be provided in an existing transaction site, and provides an efficient and safe e-commerce service by securing transaction stability with an intermediate guarantee payment processing function. .

For example, if the maximum value of the difference in phase difference is less than 1/2 wavelength according to the difference in the propagation angle of the light traveling through the inside of the transparent substrate, the p-polarized component may be at most in accordance with the change of the polarization state by the angle of the light passing through the inside of the transparent substrate. Since 100% of the light is converted to 100% of the s polarization component, the change in luminance is hardly recognized.

To exchange a message through an existing IM, first connect to a company that creates and distributes the IM, then sign up, and download and install the IM on a PC.

After installation is complete, you need to log in to the aforementioned company through IM before you can use it.

The company manages the personal information and connection management (with or without access) of the members, and manages all users in the middle position between users.

What can be done through the existing IM is mainly used as a simple entertainment function of the individual, such as chat, message transmission.

If users using existing IMs want to do business, the method only exchanges goods / services through chat, and the use of existing IMs is extremely insignificant. Is being done through.

Currently, in order to trade between individuals on the Internet, the traditional method is to access and subscribe to one of many auction / reverse auction sites.

These sites allow you to trade in the middle broker position between trading partners, but in practice, providing a trading place is only the main service, and the main source of income is to take a certain amount of the transaction in the form of a transaction linkage fee. Naturally, this fee must be included in the price of the goods / services.

The key problem with these sites is that they can't guarantee transaction stability. As a result, problems arise in the justification of the transaction fee.

For example, first of all, these sites are not able to turn to problems between trading parties and offer no clear solution if there is a problem with the transaction.

This problem cannot be solved without fundamental improvement of the trading method, such as substitution with a payment method that can improve the trust between the two parties, such as intermediary guarantee settlement.

Unlike offline, in the context of non-face-to-face transactions, e-commerce, this will be true for business-to-person, business-to-business transactions, as well as for interpersonal transactions, where it is particularly impossible or uncertain between parties to verify trust.

Second, these sites collectively manage all transaction information, trader information, etc., and because of the value of the concentrated information, there is a high risk that such information will be hacked by hackers, and if hacked, the damage will be high.

In fact, in the United States, hacking damage cases of large-scale e-commerce (auction sites, etc.) have been reported in the media, and the damages known to the media reports are only a small part of the actual damages and the scale, according to the testimony of the workers in the industry. Can be.

Not only in the United States, but also in Korea and globally, there is no exception from this risk of damage, unstable trade and untrusted situations.

Therefore, the present invention was devised to solve the above-mentioned problems, and guarantees a true 1: 1 direct transaction between trading parties using a DIM program that does not require an intermediate management server based on instant messaging technology. By providing transaction services available on existing trading sites on DIM, distributing valuable information such as transaction and financial information by the composition and method of transactions in addition to the existing security technology, and securing transaction stability by interim guarantee payment processing function. The purpose is to provide an efficient and secure e-commerce service.

1 is a block diagram showing the hardware to which the electronic commerce method using the instant warranty payment and instant messaging of the present invention is applied,

Figure 2 is a process for establishing a "trade room" for the purchase and / or sale of a DIM user who wants to buy / sell goods and / or services in the e-commerce method of the present invention and another access to the "trade room" opened An operation flowchart showing a transaction process with a DIM user,

3 is an operation flowchart illustrating a process in which a DIM user who wants to purchase / sell goods and / or services by using the electronic commerce method of the present invention connects to another “trade room” of another DIM user for purchase and / or sale;

4 is an operation flowchart showing a process of receiving an intermediate guarantee payment processing request and receiving a processing result for payment for a transaction in an electronic commerce method of the present invention;

5 is a process for requesting a refund / suspension of the intermediate guarantee payment PG by a DIM user who purchases goods and / or services when a problem occurs in goods, and / or services or delivery, which are traded by the electronic commerce method of the present invention. The operation flow chart shown.

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

10: Internet 20: Multiple Computers

30: a plurality of wireless terminals 40: authorized server

50: Intermediate guarantee payment PG (server) for credit / transaction guarantee

60: financial company server

E-commerce method using the interim guarantee payment and instant messaging of the present invention for achieving the above object,

After downloading the DIM and installing it on a personal computer (personal computer, hereinafter referred to as a PC) and / or an internet connection / useable wireless terminal of the person who wants to trade using the DIM, run the DIM to download and install the DIM. The first step is to directly input the basic information of the user (user name, connection information, etc.) through the PC keyboard or the pen input device of the wireless terminal or read the basic information through a file and set (apply) the DIM. ;

A second step of setting or setting the DIM to a standby mode to allow another DIM user to access using the basic information of the DIM user set (applied) in the first step;

A third step of opening a trading room on the DIM for the sale and / or purchase of goods and / or services by a user of the DIM set to the standby mode in the second step;

A fourth step of accessing a trading room opened in the third step for the sale and / or purchase of goods and / or services by a user of the DIM set to the standby mode in the second step;

The DIM user who establishes a trading room for sale and / or purchase of goods and / or services in the third process (hereinafter referred to as the establisher) and the sale and / or purchase of goods and / or services in the fourth process For this purpose, a plurality of DIM users (hereinafter referred to as accessors) who access the establisher's trading room transact through the establisher's trading room and, when the transaction is concluded, settle the payment for the transaction using the transaction processing function of the trading room. A fifth step of requesting a payment processing request from a guarantee settlement payment relay server (hereinafter referred to as PG);

The intermediary guarantee payment PG that received the payment processing request in the fifth step transmits the response to the request and the response to the establisher's trading room with the transaction number, and the PC and / or the wireless terminal on which the DIMs of the trading parties are installed. A sixth step of completing the first transaction by storing the encrypted file;

In the first transaction completed in the sixth step, if there is a problem with the status and / or delivery of goods and / or services, the purchased DIM user may use the "refund / payment request function" of the DIM. And a seventh process of performing / processing operations such as accessing the intermediate guarantee payment PG and requesting a refund / payment suspension.

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

Hardware to which the electronic commerce method using the interim guarantee payment and instant messaging according to the present invention is applied is a predetermined transmission control protocol / Internet protocol (hereinafter referred to as TCP / IP) as shown in FIG. 1. The Internet 10, which is a data communication network based on the Internet; After downloading the DIM installation program through the Internet (10) from the website where the DIM installation program exists or by downloading or installing a file exchange means such as mail, FTP, etc., obtain predetermined information and use the desired targets, respectively. A plurality of computers 20 to make; After downloading and installing the DIM through the Internet 10, a plurality of wireless terminals 30 to obtain predetermined information and each of the desired targets; The connection information of the DIM installed in the plurality of computers 20 and / or the plurality of wireless terminals 30 and the transaction information established in the DIM are converted into a database (hereinafter referred to as a DB). An authorized server 40 that can directly upload or download connection information, transaction information, and the like; Intermediate warranty payment PG for processing payment processing, refund / payment stop request processing, etc. of transactions made through the DIM trading room installed in the plurality of computers 20 and / or the plurality of wireless terminals 30 ( 50); And a financial company server 60 connected to the intermediate guarantee payment PG 50 through a dedicated network to manage actual financial affairs for the payment processing request and notify the intermediate guarantee payment PG 50 of the response to the payment processing request. It is composed.

The plurality of computers 20 and / or the plurality of wireless terminals 30, the authorized server 40, and the intermediate guarantee payment PG 50 are connected to each other to allow predetermined data communication through the Internet 10. The intermediary guarantee settlement PG 50 and the financial institution server 60 are connected to each other through a dedicated dedicated network such as a value-added network (VAN).

In order to perform the electronic commerce method using the intermediate guarantee payment and instant messaging of the present invention applied to the hardware of such a configuration, first, the DIM is downloaded to the computer 20 and / or the wireless terminal 30 of FIG. You must install it.

2 is a process for establishing a trading room by a DIM user (founder) who wants to sell or purchase goods and / or services by opening a trading room with the direct trading solution of the present invention, and accessing the trading room to the goods and / or services. Is a flowchart showing a transaction process with a DIM user (accessor) who wants to sell or buy a product.

As shown in this figure, the DIM is executed in step 100 to read the personalization file information in step 101, and then, in step 102, it is determined whether information to be read in the personalization file exists. If information exists in the personalization file, the state of the DIM is set to the information present in step 103.

On the other hand, if the information does not exist in step 102, after receiving the user's information (access information, his name, etc.) through the keyboard, pen input device, etc. in step 104, and save and input in the form of a personal setting file Set the status of the DIM with the received information.

As in step 103 or step 104, the state of the DIM is set to basic information, and in step 105, the socket listening state and the standby mode are set so that other DIM users can connect. In step 106, predetermined transaction information (article and / or service name, price, etc.) is inputted to establish a transaction.

In step 107, if the user selects upload by determining whether to upload the transaction information to the authorized server 40, in step 108 generates a connection socket for connection with the authorized server 40, the authorized server ( 40) and upload the information in step 109, then disconnect from the authorized server 40 in step 110, in step 111 of the visitors who want to create a trading room and access the trading room Set transaction to standby for connection request processing.

On the other hand, if the information is not uploaded to the authorized server 40 in step 107, the transaction is created in step 111, the transaction room in the standby state for the connection request processing of the visitors who want to access the transaction room Set it.

After the transaction is set to the standby mode in step 111, if there is no connection request from the accessors in step 112, return to step 111 to maintain the standby mode, if there is a connection request, step 113 After connecting and creating a connection socket and the requester requested in step 114, the connection request and the connected connection and the current transaction status, goods and / or service information to the connected user.

In step 115, the establisher and the visitor exchange information, terms and conditions on goods and / or services, and negotiate a price through a series of communication activities such as chat and file exchange.

In step 116, a price offer for the visitor's goods and / or services is determined, and if a sale price or a purchase price is not provided, the process returns to step 115 to continue the exchange of information on the goods and / or services.

On the other hand, if the visitor presents the purchase price or the sale price in step 116, the price displayed by the visitor is displayed on the establisher's trading room in step 117, and then the price suggested by the establisher in step 118. As a result, if there is no intention to conclude the decision on the transaction, it returns to step 116 to determine the offer price of the other visitor. In this case, the visitor can know that the transaction has been concluded, and then disconnects the DIM users from other DIM users except the relevant visitor (hereinafter referred to as a trader).

Here, in the case of a trading room visitor, only the price presented by the trading room and the highest and lowest price of the current transaction are displayed on the screen, and in the case of the trading room establisher, all prices presented by the connecting people are displayed. In step 119), the other parties except for the closing of the trading connection are disconnected from the trading room. Then, in step 120, the trading connection accessor or the establisher inputs the financial information, and in step 121, the intermediary guarantee payment is made through the opening of the establishing customer's trading room. The DIM payment request processing daemon process of the PG 50 requests a payment processing for a transaction, receives a response to the request from the daemon process together with a transaction number, etc. Each PC 20 or wireless terminal 30 in which the DIM is installed is stored in an encrypted file format, etc., and in step 123, the establisher closes the trading room and makes a transaction conclusion. Which unlink the chair and is then shut down the DIM.

3 is a flowchart illustrating a process of accessing the establisher's trading room by the electronic commerce method of the present invention. After executing the DIM in step 200, the personal setting file information is read, and the personal setting file is read. It determines whether the information to be read exists and sets the state of the DIM to the existing information when the information exists in the personal setting file.

If the information does not exist, the user's information (access information, his name, etc.) is input through the keyboard, pen input device, etc., and then stored in the form of a personal setting file and the state of the DIM is set using the input information.

As described above, in order to set the state of the DIM as the basic information and to allow other DIM users to access, the socket listening state, the standby mode, and the direct connection are determined in step 201. If the DIM user's connection information (IP address, port number, etc.) is known, the connection information is input to the keyboard, pen input device, etc. in step 207 to create / connect a connection socket in step 208. .

On the other hand, if the connection information of the object to be connected and / or the object to be connected in step 201 is unknown, in step 202 creates a connection socket for connection to the authorized server 40 and connect.

After searching for the target to be connected from the authorized server 40 in step 203, the connection information and / or a plurality of connection information lists of the connection targets are downloaded and the computer 20 or the wireless terminal 30 in step 204. Display on the DIM through the display device of), select the target to be connected from the connection list in step 205 to connect in step 208, and at the same time in connection with the authorized server 40 in step 206 Release it.

As described above, the connection is made with another user's DIM, and in step 209, the connection is determined to be successful. If the connection is not successful, the method returns to the step 201. If the connection is successful, the connection target is received in step 210. Information on the current state of the DIM (transaction room, number of users, chat room information, etc.) is requested, and information of the connection target DIM is displayed on the connected DIM in step 211 according to the contents of the response.

In step 212, the visitor accesses the desired trading room with the information displayed in step 211, etc., and makes a transaction, and after the transaction is completed, the computer 20 in which the accessor's DIM is installed in step 213, or Stored in the wireless terminal 30, the standby mode is released in step 214 and the DIM ends.

Figure 4 is a flow chart showing the response to the processing and processing of the case in the intermediary guarantee payment PG for the payment processing request and / or refund / stop payment request to the interim guarantee payment PG in the electronic commerce method of the present invention As described above, the intermediate guarantee settlement PG manager or the like executes the "DIM settlement request processing program" in the intermediate guarantee settlement PG 50 in step 300, and the DIM payment request processing daemon process in step 301. After generating the, in step 302 it is set to a listening state for the connection request processing of the DIM.

After being set to the listening state, in step 303, it is determined whether there is a connection request from the DIM, and if there is a connection request of the DIM, in step 304, a connection socket is created and connected to the connection requesting DIM, and in step 305 After decrypting the payment processing request text and / or refund / payment request text from the connected DIM, the processing request information decoded in step 306 and the transaction number for the request are assigned and / or searched to obtain an intermediate guarantee payment PG ( Save / change to 50) database.

After storing and / or changing the transaction information as described above, a card authorization and / or a bank transfer request message and the like are generated in step 307, and a card approval and / or bank transfer request message and the like generated in step 308. To the process in the intermediary guarantee settlement PG 50, that is, the process of exclusively processing the card approval and / or account transfer request to the financial institution server 60, and the dedicated process is an intermediate guarantee settlement PG 50 and the financial institution server ( The resultant value is received in step 309 through a predetermined data communication operation such as a card approval and / or an account transfer processing procedure call, etc. using a dedicated network such as a VAN connected to 60).

As described above, by checking the processing result received from the financial institution server 60, and determines whether or not the normal processing in step 310, in the case of normal processing to generate the normal processing full text in step 311, if not normal processing step At 312, generate the full text of the processing error.

In step 313, the full text generated in step 311 or step 312 is transmitted to the connection request and the connected DIM together with the transaction number, and in step 314 to the database of the intermediate guarantee settlement PG 50. After logging / changing, the connection with the DIM is released and the process returns to the listening state.

FIG. 5 is a PG (intermediate guarantee payment PG (DG) on a DIM that a founder or a transaction accessor who purchases an goods and / or services and pays an intermediate guarantee when an accident occurs in a defect or delivery of the goods and / or services traded by the electronic commerce method of the present invention. 50 is a flowchart showing a processing operation for requesting payment stop and / or refund.

As shown in FIG. 4, after the DIM is executed in step 400 to read the personalization file information, it is determined whether the information to be read in the personalization file exists and if the information exists in the personalization file. Set the state of the DIM with the information.

If the information does not exist, the user's information (access information, his name, etc.) is input through the keyboard, pen input device, etc., and then stored in the form of a personal setting file and the state of the DIM is set using the input information.

After setting to the standby mode as described above, the establisher or the transaction accessor in step 401 to retrieve the transaction stored in the form of a file in the computer 20 or the wireless terminal 30 in step 122 of FIG. In step 402, it is displayed on the DIM, and the specific transaction details (transaction number, etc.) in which an accident is selected from the details displayed in step 403 are selected.

In the next step (404) to raise the issue and select whether or not to request the settlement of the incident, such as payment suspension / refund, and in step 405 to enter / save the accident occurrence history and stop / refund request.

In the next step (406), the DIM of the establisher or the trade accessor generates a full text of the incident processing request, such as a refund / suspension, including a transaction number, and in step 407, the DIM payment request processing of the intermediate guarantee payment PG (50). It sends and receives a connection request to the daemon process and the message generated by connecting.

The response received as described above is stored in the form of an encrypted file, etc. in the computer 20 or the wireless terminal 30 of the establisher or the trading accessor in step 408, and in step 409 the intermediate guarantee settlement PG ( 50), then terminate the DIM.

As described in detail above, the electronic commerce method using the interim guarantee payment and instant messaging according to the present invention is a transaction through a DIM trading room, and a 1: 1 physical exchange between trading parties without the need of an intermediate broker such as an Internet website. It is possible through direct linkage, enables direct transactions between trading parties in online transactions, auctions, reverse auctions, reduces the risk of information hacking by distributing information, and secures the safety of transactions through an interim guarantee system. It works.

In other words, it is convenient to conduct e-commerce / entertainment / communication at the same time, it is possible to proceed with real-time transaction and result immediately, it has the effect of transaction independence and clarity of responsibility without intervening broker, and distribution of information. server) and / or trading parties can freely extinguish the transaction (financial) information by owning the transaction information and closing the transaction, thereby minimizing the relative value of the information, thereby creating a structural security effect against the risk of hacking.

Although described as a person-to-person transaction, it can be extended to a business-to-person, business-to-business deal.

Although the present invention has been described in detail only with respect to specific examples, it will be apparent to those skilled in the art that various changes and modifications can be made within the spirit of the present invention, and such changes and modifications will be within the scope of the appended claims.

Claims (4)

After downloading the DIM and installing it on the PC of the person who wants to trade using the DIM and / or the wireless terminal that can connect / use the Internet, run the DIM to download and install the basic information of the user who installed the DIM. A first step of directly inputting through a pen input device or the like of a wireless terminal or reading basic information through a file and setting (applying) the DIM; A second step of setting or setting the DIM to a standby mode to allow another DIM user to access using the basic information of the DIM user set (applied) in the first step; A third step of opening a trading room on the DIM for the sale and / or purchase of goods and / or services by a user of the DIM set to the standby mode in the second step; A fourth step of accessing a trading room opened in the third step for the sale and / or purchase of goods and / or services by a user of the DIM set to the standby mode in the second step; Transaction of the DIM user (establisher) who opened a trading room for sale and / or purchase of goods and / or services in the third process and the establisher for sale and / or purchase of goods and / or services in the fourth process. When a plurality of DIM users (accessors) accessing the room make a transaction through the establisher's transaction room, and when the transaction is concluded, requesting payment processing to the intermediate guarantee payment PG using the transaction processing function of the transaction room. The fifth process; The intermediate guarantee settlement PG, which received the request for payment processing in step 5, transmits the response to the request and the response to the establisher's trading room together with the transaction number and encrypts the PC and / or the wireless terminal on which the trading parties' DIM is installed. A sixth process of completing the first transaction by storing the file as a file; In the sixth transaction, if a problem / accident occurs in the status and / or delivery of the goods and / or services, the purchased DIM user may request the "refund / payment request function" of the DIM. Intermediate guarantee payment and electronic commerce method using the interim guarantee payment and instant messaging, characterized in that the seventh process for performing / processing operations such as access to the interim guarantee payment PG, request for refund / stop payment. The method of claim 1, The sixth process, DIM makes the financial information and transaction amount of the trading parties into a special format in a certain format and forwards it to the processing process of the intermediate guarantee settlement PG for processing. The processed results are stored in encrypted files on the trading partners' PCs or Internet-enabled wireless terminals, E-commerce method using the interim guarantee payment and instant messaging, which can be searched by the function such as "view transaction details" of DIM. The method of claim 1, The third process and the fourth process, This is a process of accessing and opening a DIM trading room and processing, retrieving and / or uploading / downloading information by making a database of network information for connection between DIM users and trading room information for transactions on DIM from an authorized server. E-commerce method using an interim guarantee payment and instant messaging. delete