KR100467522B1 - Payment Restoration system in Internet - Google Patents

Abstract

(1) The technical field to which the invention belongs

A service that instantly refunds cash to a percentage of the amount consumers spend online

(2) Purpose of the invention

Through the payment refund site, we form a partnership with e-commerce companies (cyber shopping malls and paid content providers) operating on the Internet to form a partnership, and the refund site effectively brokers affiliates and consumers. A service that contributes to the increase in sales, the refund site receives the contract fee for the part that contributed to the increase of the affiliate's sales, and immediately refunds the contract ratio of the amount spent to the customer who contributed to the commission. To provide.

(3) Composition of invention

Registering an e-commerce company as an affiliate on the payment refund site, mediating the use of affiliates registered with the payment refund site to consumers, and distributing profits contributed by the payment refund site to sales growth of affiliates Receiving step, the payment refund site includes the step of cash refund to consumers as a percentage of the amount spent on the partner site.

(4) effects of the invention

All e-commerce companies that provide product sales and paid services through the Internet can effectively promote to a large number of consumers through profit sharing alliances with payment refund sites, increasing opportunities for revenue generation and sales growth. Consumers can enjoy one-stop shopping on the refund site without the hassle of searching the malls individually, and can receive cash refunds of a certain percentage of the amount they spent online. It can create a positive economic effect for everyone.

Description

Online payment refund service via the Internet {Payment Restoration system in Internet}

The present invention relates to a service that immediately refunds a certain percentage of the amount of money consumers spend over the Internet in cash. In more detail, the Payment Refund Site forms an alliance with the e-commerce companies (cyber shopping malls and paid content providers) through the Internet to form a partnership, and the Refund Site effectively brokers affiliates and consumers. To increase the sales of the company, and refund the cash to the contracted amount of the amount spent on the consumer who used the distribution site to receive the commission after the refund site has contributed to the increase of the affiliate's sales. It is about services, whether online or offline, the basic purpose of business activities is profit creation, and the basis of such profit creation is consumer consumption. In other words, a smooth flow of consumers-> consumption activity-> profit generation flows, and the company can continue to exist. To this end, companies have provided a variety of incentives and incentives to motivate consumers to continue to be repeat buyers during profit generation, but e-commerce companies are more urgent than incentives or incentives for consumers. The question is how to inform consumers of the goods and services they sell. No matter how good a product or service is, if consumers don't recognize it and use it, it's nothing more than a useless thing, and a company can no longer exist. So the challenge for online companies is how to promote their products and services to consumers. Above all, in the case of an e-commerce company with a poor capital structure, it is not effective to carry out large-scale public relations in order to attract an unspecified number of consumers as members, and even if a firm with a good capital power, The public relations method is not a desirable corporate public relations method due to the low publicity effect compared to the huge publicity cost. In addition, a method of securing consumers through strategic alliances between companies in the same industry or between companies in the same industry is difficult to expect continuous profit growth because only the same consumers in the industry are members.

One of the attempts to solve the problems of such e-commerce companies is a partnership program, that is, profit sharing alliance. Unlike the conventional affiliate system, the core of profit sharing alliance is that online companies that have affiliated with e-commerce companies promote their products or services to their members, and e-commerce companies are generated by the promotion activities of online companies. It only distributes a type of sales contribution fee for sales. In other words, it is unclear whether e-commerce companies will be directly involved in the sales of a large number of unspecified consumers, and thus, in partnership with online companies that already have a large number of members, If you purchase a product or service of an e-commerce company through the affiliate banner or link button posted on the company's homepage, you will be paid a commission at the contracted rate. In this way, the e-commerce company only needs to pay the promotional costs to the online company for the generated sales, and the online company is in the form of additional revenue generated by the existing members.

However, the problem with such an alliance system is that for both e-commerce companies and online companies, even though consumer consumption is the basis of profit generation, there is no benefit to consumers. Of course, each company now uses a mileage or point earning system to provide some benefits to consumers. However, the miles or points earned by consumers can only be used to purchase goods or services within the site where the miles or points were given and can only be used to purchase a minimum amount of goods or services after a long period of consumption. Because of this, most consumers will not be able to use their accumulated mileage and points without giving up.In addition, they will use a reward method that returns cash when a certain amount is exceeded. Since only consumers can finally get it back in cash, this is not an attractive way for consumers who prefer immediate benefits.

The present invention secures a large number of consumers as members by providing a benefit of immediately refunding a certain portion of the amount of money spent by consumers to consumers who want to consume the settlement payment refund site through the Internet to solve the above problems In addition, we will provide them with the opportunity to generate more revenue by mediating the use of e-commerce companies that have a revenue sharing alliance with refund sites.

To this end, the Refund Site increases revenue by partnering with a number of companies that provide cyber shopping malls or paid content on the Internet, and mediating the use of products or services by promoting affiliates to a large number of consumers who are willing to consume. In addition, it receives the distribution of revenue as it contributed to the increase in sales, and then refunds the cash immediately to the corresponding refund rate to the consumers who used the payment payment refund site to distribute the profits from the affiliates.

Figure 1 is a general flow diagram of e-commerce use

2 is an e-commerce flow chart according to the present invention FIG. 3 is a conceptual diagram of partnership between an e-commerce company and a refund site FIG. 4 is a flow chart from online consumption through payment of the Internet to payment refund 5 is a refund site system and affiliate sales for refund processing Figure 6 shows the operation status of server devices between systems.

In order to achieve the above object, the present invention comprises the steps of registering an e-commerce company (cyber shopping mall and paid content provider) in the payment price refund site (hereinafter referred to as "refund site") affiliated e-commerce; Brokering the use of companies (hereinafter referred to as 'affiliates') to consumers; and receiving profits by a ratio that the refund site contributes to the increase in sales of affiliates; Reimbursing cash for a percentage of the amount spent on the site. Detailed description of each step is as follows.

E-commerce companies can freely access the web site of the refund site and fill out an affiliate application form via the Internet. In the process of creating an affiliate application, an e-commerce company enters essential information such as service category, sales commission rate, and link path as well as basic information about business address, business registration number, homepage URL, etc. It is stored in the affiliate information database of the server and is automatically registered in the service category of the refund site to qualify as an affiliate. At this time, the link path inputted by affiliates is provided with a sales path code to identify consumers connected through the refund site, so that data such as access path and access time as well as consumption amount can be extracted and sorted. Affiliates registered on the refund site are categorized into categories such as comprehensive shopping, joint purchase, books / records, flowers / gifts, beauty / fashion, life, specialty malls, entertainment, etc., so that users of the refund sites can easily access them. Give it a distinction.

The refund site will promote and market online and offline targets to a large number of consumers who are willing to spend a lot of money. Refund sites can benefit from the fact that consumers can immediately receive a certain percentage of the amount spent in cash while purchasing the same product at the same price as when they directly used the affiliate site through the refund site during the promotion process. Promote the use of products and paid content sold by affiliate sites.

When consumers exposed to promotion and marketing of the refund site sign up to the refund site through the Internet, you can check the list of affiliates registered in various categories on the refund site website as well as the refund rate that can be refunded when using the affiliate site. The refund rate at this time means the ratio of the refund amount based on the payment amount. Therefore, members can select an affiliate that can be used on a more favorable condition among various affiliates in the service category they want to use, and access a desired affiliate site to purchase a product or paid content through a payment process.

When payment is made by members accessing the affiliate site through the refund site, the sales system of the affiliate site analyzes the log of the connected member to identify the sales path code value, and the sales path code value is extracted to the refund site. Member key value information, purchased product information, payment amount information, order number information, etc. of the sales data is transmitted to the web server of the refund site in real time. The member key value means an arbitrary number given to individual members, not real names, in order to prevent leakage of personal information of members when data is transmitted between the refund site system and the affiliate site system.

Revenue-related data transmitted in real time from the affiliate sales system is stored in the refund processing system web server of the refund site, and is automatically processed in real time according to the refund rate of the affiliates to consumers who match the member key value. In this case, the refunded amount is first accumulated in the member account received from the refund site when the consumer joins as a member of the refund site, and when the member who confirms the refund amount accumulated in the member account applies for transfer to his / her bank account, the refund is refunded. The site will deposit the bank account registered by the member.

Since the revenue generated by affiliates through this series of processes is due to the consumption behavior of members of the refund site, the affiliates distribute revenue based on the sales to the refund site according to the contracted sales fee rate. Similarly, because the refund site was able to receive revenue from the affiliates because members consumed it at the affiliate site through the refund site, the refund site immediately refunds cash in accordance with the refund rate committed to the corresponding member.

Hereinafter, an implementation process of the present invention will be described in detail with reference to the accompanying drawings.

1 is a diagram illustrating a general electronic commerce flow chart. This is a transaction between a consumer and an e-commerce company. When a customer accesses the homepage of an e-commerce company that he or she is aware of, confirms the product or service he / she wants to purchase and proceeds to the payment process, sales increase to the e-commerce company. . If the consumer's payment process is successful, the e-commerce company terminates the transaction by delivering the product or service to the consumer.

2 is a diagram illustrating an electronic commerce flow chart according to the present invention. This is a transaction between a consumer, an e-commerce company, and a refund site. The e-commerce company enters into a profit sharing alliance with the refund site, and the refund site promotes the products or services of the e-commerce company to consumers. When a consumer who recognizes a refund site joins as a member of a refund site and purchases a product or service of an e-commerce company affiliated with the refund site, the affiliate's sales are generated, and the affiliated e-commerce company delivers the product to the consumer. The rebate site will distribute contract fees for the amount of revenue incurred. At this time, the reason for the sales of the e-commerce company is because the refund site promoted to consumers, so the e-commerce company distributes the contracted sales fee when the partnership with the refund site is made. Similarly, because the refund site was able to receive commissions from affiliates due to the consumption behavior of the members of the refund site, the refund site terminates the transaction by refunding in cash the rate that members have agreed to refund when using the affiliate.

3 is a diagram illustrating a conceptual diagram of affiliation of a refund site. There are various types of companies online, such as shopping malls, co-purchases, books, movies, and comics. When these companies enter into a partnership with a refund site, they can purchase general shopping malls, co-purchases, books / records, flowers / gifts, beauty / fashion, It belongs to the categories of life, specialty malls, and entertainment. Therefore, each category of the refund site is composed of dozens of affiliates of the same industry, and the consumer's logo is displayed as well as the refund rate to be refunded when the consumer purchases goods or services from the affiliate site through the refund site. Compared to product prices and refund rates sold by each partner company, it is possible to select a partner company to be finally used.

4 is a diagram showing the general flow from the current payment service refund service use to the refund processing. Referring to FIG. 4, the consumer starts the Internet (401) and accesses the refund site and registers (402). If you are already a member, you only need to log in.After successfully signing in, you will be able to surf the web for the categories configured on the refund site and compare the refund rates of the affiliates listed in the category you want to use with the product sales price. Determine which affiliate you want to use and go to the affiliate site. At this time, when the member clicks on the link banner of the affiliate site provided by the refund site, the affiliate's web server moves by calling the member's information converted into the authentication key value as well as the sales path code value assigned to the refund site by the partner. The access path of the member who accesses the affiliate homepage is recognized as the refund site.

After accessing the affiliate site, the member decides a product or paid content that he / she wants to purchase (403) and pays (404) a price necessary for using the corresponding product or service. When the payment is completed, the web server of the affiliate site confirms that there is no problem in the payment process through the payment method, real name authentication, etc., and then, the payment approval 405, and the affiliate sales system server analyzes the sales data and the sales path. The sales data extracted to the refund site is composed of a separate DB, and the member information, purchase product information, payment amount information, order number information, etc. of the DB are transmitted in real time to the refund system web server of the refund site.

The web site of the refund site receives the sales history in real time from the affiliate sales system web server (406), searches for the member corresponding to the member key value, and the amount of money the member found on the affiliate site and the affiliate contract with the refund site. After calculating the sales commission rate, the refund site, and the refund rate committed by the consumer, the refund amount is automatically calculated (407). At the same time, the refund processing system web server notifies the completion of the refund processing through the mail and SMS to the e-mail and mobile phone registered by the member (408).

Members who have confirmed that the refund amount has been paid through e-mail and SMS can access the refund site and transfer the refund credited to the member's account to their bank account.If the transfer request is received, the refund processing system operator will request the refund amount. Refund processing is terminated by transferring 409 to the bank account designated by the member. If the consumer's consumption activity is directly connected to the partner's site instead of the refund site, the sales path is not extracted from the partner's sales system and is not eligible for the sales contribution fee. They are not eligible for a refund because they do not meet the requirements.

5 is an explanatory diagram showing a process of transmitting sales data in real time between the refund site central processing unit and the partner site central processing unit. Since the partner site central processing unit and the refund site central processing unit are connected via the Internet, real-time data can be transmitted. Therefore, the refund site provides information on the consumption of members consumed at the partner site and the refund amount that consumers can receive. Referring to FIG. 5, the refund site central processing unit is a member information DB 501 which stores information such as a member's name, ID, password, e-mail address, contact information, and the name of the affiliate company used by the member. Refund processing DB (502), which stores information such as usage time, payment amount, purchase product, and refund amount, stores information such as company name and service URL of affiliates, corresponding category, commission rate according to sales, and sales route code value. Affiliate code DB (503).

Meanwhile, the affiliate site central processing unit includes a total sales data DB 505 and a refund site sales DB 504 in which a sales path code value is divided into a refund site. In particular, since the refund site sales DB 504 included in the partner site central processing unit transmits the sales data in real time to the refund processing DB 502 of the refund site central processing unit, both DBs are made of the same data.

When the member connected to the refund site moves to the affiliate site, the refund site central processing unit converts the member information stored in the member information DB 501 into an authentication key value and is stored in the affiliate code DB 503. Call the sales route code value of the affiliate site and transmit it to the affiliate site central processing unit. Therefore, the affiliate site central processing unit recognizes that the access path and consumption history of the member are the sales generated through the refund site. In addition, if a member who has moved to an affiliate site purchases a product or paid content sold at the affiliate site, the affiliate site central processing unit analyzes the purchase route of the member who has paid and the revenue path code value is recognized as a refund site, thereby providing a refund site sales DB ( 504). Meanwhile, the sales data stored in the refund site sales DB in the affiliate site central processing unit is transmitted to the refund processing DB 502 of the refund site central processing unit in real time, and the transferred sales data is operated by the member of the refund site central processing unit. Will be refunded in real time.

To make this process more concrete, let's take an example and explain: A consumer, Gap, wants to buy a product that sells for 1 million won through the cyber shopping mall, Uul. When 'A' accesses a shopping mall site of 'A' through the Internet, selects the product and pays a product price of 1 million won, and 'A' delivers to the designated destination of 'A' and all transactions are terminated. However, the fact that the consumer 'A' is registered as an affiliate of the cyber shopping mall 'A' is a refund site 'Bottle', and that if you buy 'E' through 'Bottle', you can get a certain amount of cash refund. If you know the fact and access the cyber shopping mall 'a' through the website of 'bottle' and purchase the same product, the transaction (payment and delivery) between the consumer 'ap' and the cyber shopping mall 'go' proceeds as above. . However, according to the present invention, since 1 million won of sales generated to the cyber shopping mall 'Ul' are caused by consumption behavior of members of the refund site 'Bottle', 'U' is assumed to be a commission (2% of the sales amount) contracted to the 'Bottle'. If you give 20,000 won will be distributed. Likewise, 'bottle' was able to receive a sales fee of 20,000 won from 'B' because it originated from the consumption behavior of consumer 'A', a member of 'Bottle'. 50% of the profits will be refunded in cash.

Therefore, when consumed online through the present invention, a new consumption path is created in which added value is created not only to the e-commerce company but also to the refund site and the consumer.

For example, as a result of operating the refund service from February 2002 to December 2002 after the patent application of the present invention in January 2002, the user of the refund service consumed 2,500 employees, 8,800 cases, and the amount of money spent on partner sites. Although only KRW 2.9 billion, the users of the refund service in 2003 showed a high response rate of 15,000 loved ones, 47,000 use cases, KRW 11.5 billion spent on partner sites, and KRW 160 million paid by consumers. have. This fact can be a testimony that the task of the present invention is not an abstract or theoretical invention but a realistic invention that can be easily used and benefited by consumers.

As described above, the present invention recognizes all consumers, e-commerce companies, and refund sites participating in the consumption process through the Internet as an inseparable organic relationship in the course of economic activity. As part of the amount can be refunded immediately in cash, it is possible to create economic consumption and added value in the process of consumption, and if the refund site is used more extensively by all users, the ripple effect of cash refund on the home economy will be considerably greater. Can be.

In addition, all e-commerce companies that offer paid content, including cyber shopping malls, have partnered with refund sites to promote their websites to a large number of consumers who are willing to consume online, without spending too much marketing or promotional costs. This will increase the likelihood of revenue generation and, more broadly, when all e-commerce companies form partnerships with refund sites, will create a new economic model by creating added value of 'refund' in all areas of commerce over the Internet. Will be.

The effects of the present invention are not only benefited when the consumer purchases a specific product or service, but because the benefits are provided for all products and services sold by the e-commerce company, the scope of benefits is much more diverse and wider. In addition, the reimbursement service, which has an indirect discount effect in the current consumption culture, which has been recognized as a general thing and has been recognized as a general rule beyond the payment of the refund of payments, has become a new consumption culture. Will be.

Claims (2)

In systems where refund sites, e-commerce companies and consumers are connected via the Internet, 1) A refund site is a way to enter into a profit sharing alliance through a partnership agreement with an e-commerce company. 1.1) storing information such as company name, homepage, refund rate of the e-commerce company in the affiliate code DB (503), 1.2) In step 1.1), the e-commerce company assigns a unique sales path code to the refund site to distinguish the sales contributed by the refund site. 1.3) If the e-commerce company generates sales with the sales route code of step 1.2), the company shall provide a refund rate to the refund site as a fee. 2) as a way to promote the e-commerce company with which the refund site has entered into an affiliate agreement. 2.1) linking the sales path code of step 1.2) to the product image or text of the e-commerce company promoted on the refund site homepage, 2.2) If a consumer who is a member of a refund site visits the website of an e-commerce company linked from the refund site homepage and purchases the product, the refund site promises to refund the member a cash at a certain rate. , 3) A refund site is a method of receiving sales contribution fees from an e-commerce company. 3.1) the e-commerce company extracts the refund site sales DB 504 containing the sales path code of step 1.2) from the sales DB 505 and transmits it to the refund processing DB 502 in real time, 3.2) Checking the sales stored in the refund processing DB (502) of the refund site and the refund site sales DB (504) of the e-commerce company, and depositing the sales contribution fee promised in step 1.3) into the bank account designated by the refund site. , 4) As a method of refunding the sales contribution fee received from the e-commerce company to the consumer. 4.1) detecting a refund site access ID or an authentication key value of the consumer included in each sales data in the refund processing DB 502 by driving the refund processing system; 4.2) In step 4.1), the refund site receives the refund amount in the virtual account of the consumer provided by the refund site after the refund amount is paid to the consumer, and then informs the consumer through a short message (SMS) or e-mail, 4.3) After the consumer accesses the refund site, checks the amount of refund accumulated in his / her virtual account and applies for the refund to his / her bank account. 4.4) The refund site checks the transfer application history applied by the consumer and sends the refund amount to the consumer's bank account, A website for cash reimbursement to consumers in the manner of claim 4.4