KR100623429B1 - Transaction intermediate system and method of transacting using thereof - Google Patents

Abstract

The present invention relates to an electronic commerce system having a means for authenticating a buyer who wants to purchase a product / service and a seller who sells the same in an electronic commerce through a credit card, and an electronic commerce method through the system. will be.

The electronic commerce system or intermediary system configured according to the present invention can satisfy both the buyer who wants to purchase the goods / service through the card payment and the seller who sells it.

Description

Transaction Intermediate System and Method of Transacting Using Thereof}

1 is a configuration diagram schematically showing an electronic commerce system through a conventional card payment.

2 is a block diagram schematically illustrating an electronic commerce system through a conventional escrow service.

Figure 3 is a schematic diagram showing the overall configuration of an electronic commerce system according to an embodiment of the present invention.

4 is a configuration diagram schematically showing the configuration of a transaction brokerage system according to an embodiment of the present invention.

Figure 5 is a schematic diagram showing the overall configuration of an electronic commerce system according to another preferred aspect of the present invention.

6 is a schematic diagram showing the configuration of a transaction brokerage system according to another preferred embodiment of the present invention.

7 is a diagram schematically illustrating a path through which e-commerce is performed according to a trading system according to the present invention.

FIG. 8 is a flow chart schematically illustrating a procedure for delivering a product / service selected by a buyer through a 'small approval amount method' in an electronic commerce system according to an embodiment of the present invention.

9 is a flowchart schematically showing a procedure from the delivery of goods / services to the payment of money to the seller in the electronic commerce system according to the present invention.

FIG. 10 is a flowchart schematically illustrating a procedure for delivering a product / service selected by a buyer using the system for the first time through a 'divided approval amount method' in an electronic commerce system according to another embodiment of the present invention.

11 is a flowchart schematically illustrating a pre-purchaser authentication code issuing procedure according to a preferred embodiment of the present invention.

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

100, 300: e-commerce system 110, 310: buyer terminal

120, 320: seller server 130, 330: affiliated agency server

140, 340: Delivery company 200, 400: Trading brokerage system

202, 402: web server 210, 410: trading brokerage server

220, 420: brokerage database 230, 430: payment module

240, 440: buyer authentication module 250: transaction information transmitter

260, 460: seller authentication module 270, 470: delivery management module

The present invention relates to a transaction authentication system and a transaction method using the same. More particularly, the present invention relates to a transaction authentication system and a transaction method using the same, which are configured so that sellers and buyers can perform electronic commerce more safely.

Recently, due to the widespread use of the Internet, electronic commerce for purchasing / selling products through the Internet has been actively performed. In such an electronic commerce, a buyer who wants to purchase an item or a service pays for the price of the item through various payment means, for example, direct cash transfer or payment means such as a card. The following is a brief introduction of the e-commerce system that is generally performed.

1 is a block diagram schematically illustrating a conventional general electronic commerce system, such as a shopping mall in which buyers 10 connected to each other through a network or a communication network (not shown), such as the Internet, and goods information are posted. It consists of a seller 20 operating a web site and a card company 30 that stores and manages card information to be paid by the buyer.

As described above, in the electronic commerce system in which payment is made through a credit card, the purchaser 10 selects a desired article through the article information posted through the website of the seller 20 through a terminal (not shown) (1). ), The seller 20 requests the card company 30 to approve the purchase based on the purchase information such as the credit card number and the shipping address inputted by the buyer 10 (②), and the card company 30 provides the seller 20 Inquiry to the purchase approval requested by)) by querying the credit limit of the buyer 10, etc. and assigns a purchase approval number (③). The seller 20 delivers the goods requested by the buyer 10 to the address requested by the buyer 10 after the purchase approval from the card company 30 (④), and if the delivery is completed and there is no refund request from the buyer, the card company Ask 30 to settle the sale price (⑤). The card company 20 pays the sales price in response to the payment request of the seller 20 (⑥), and withdraws the money from the account of the buyer 10 on the date determined by the contract with the buyer 10 (⑦).

However, in the conventional e-commerce system through card payment, the buyer pays the purchase price to the seller first before receiving the ordered goods or services directly, so that the ordered goods / services are not received or delivered by a so-called 'delivery accident'. Even if there is a defect, the return was difficult to get a refund. Although the seller also provided goods / services to the buyer in a legitimate manner, the card used in the transaction was later proved to be a stolen card, resulting in the occurrence of the so-called 'chargeback', in which the transaction price was forcibly refunded by the card company. There was a problem of loss.

In order to solve this problem, a system for performing electronic commerce using an escrow service has been used recently. Escrow is a service that promotes transaction security by managing a deposit and withdrawal of a transaction price by a third company (escrow service provider) in order to prevent a seller and a buyer from dealing in an e-commerce transaction. It is a schematic diagram showing an electronic commerce system using an escrow service.

In such escrow service, the buyer 10 selects the selected goods / services based on the goods information posted on the website of the seller 20, and then the goods / service information and the buyers 20 to the escrow service provider 40. (A), and the escrow service provider 40 approves the purchase to the card company 30 to which the buyer 10 subscribes based on the payment information entered by the buyer 20. After the request (b), if the purchase approval number is given from the card company 30, the buyer 10 is temporarily in charge of the purchase price (c). When the escrow service provider 40 is given a purchase approval number from the card company 30, the escrow service provider 40 requests the seller 20 to deliver the goods / service (d). When the seller 20 delivers the goods / services to the address requested by the buyer 10 (e) and informs the escrow service provider 40 of the completion of the delivery (f), the escrow service provider 40 temporarily stores the goods. Transfer the purchase price of the goods / services to the seller (g). Subsequently, the escrow service provider 40 notifies the card company 30 that the transaction is completed (h), and the card company 30 pays the price through the account of the buyer 10 (i).

By using this escrow service, the buyer can not receive the goods / services from the seller or if the delivered goods / services are different from the transaction details, the buyer can cancel the transaction and get the refund from the escrow service provider. Guaranteed.

However, in order to proceed with the escrow service business, the buyer agrees on whether to use the escrow service before the actual transaction is made between the seller, the agreement on which escrow service to use, especially who will pay for the use of the escrow service, If it is a co-pay, then an agreement must be reached as to what proportion. As a result, both buyers and sellers require a lot of inconvenience incurred in the settlement process and additional costs for using escrow services. In particular, unlike sellers who guarantee the safety of transactions, sellers and escrow service providers still have a possibility of chargeback when using the card as a payment method.

As described above, in the case of using the card as a payment method in the electronic commerce system using the escrow service as well as the conventional general electronic commerce system, the seller can not be guaranteed the security of the transaction relative to the buyer. Therefore, in order to secure the transaction to the seller, that is, in order to minimize the chargeback resulting from an order using the stolen or stolen credit card information, a process of confirming whether the purchaser who requests the purchase of the goods / services is a legitimate holder is required.

Currently, the most common method used to verify that a buyer is a legitimate holder of a card is to check the fact of a billing address in the purchaser's order history. Unlike domestic e-commerce systems that require only a shipping address when ordering goods by credit card, most overseas sites strictly separate the billing address and delivery address from the order details when ordering e-commerce orders by credit card. To be described. Using this point, Internet sellers confirm in real time whether or not the buyer is a legitimate cardholder through the so-called Address Verification Service (AVS).

However, AVS can only be applied to cards issued in North America and some European countries and cannot be used for global authentication. Often, some sellers who need to receive a card issued in a country where AVS does not work require the buyer to contact the card issuer's contact information on the back of the card, or use the bank identification number (BIN) of the card number to indicate the issuer of the card. Information may be used to directly check with the card issuer whether the billing address is true. However, in some countries, card issuers are required by law to not provide any information about buyers to sellers, which still makes it difficult to apply AVS in a global way. Moreover, AVS checks the digits of postal codes and card billing addresses. If you know the stolen card number and the holder's name correctly, it is possible to find out the phone number, billing address and postal code of the holder over the Internet. Therefore, AVS does not serve as an authentication system when selling digital goods by download or receiving orders with different card billing and delivery addresses.

Another form of authentication is used by merchants or escrow service providers who sell expensive goods / services overseas to verify that the buyer is a legitimate holder of the card. And a method of requesting a photocopy of an identification document with a billing address.

For example, with a strong chargeback policy, Worldpay.com uses its fraud alert system to detect the possibility of fraudulent orders, such as the country where the buyer's card was issued and the country where the order would be delivered. In this case, have the seller ask the buyer for written authorization. The payment authorization on the document shall include the buyer's signature, photocopy on the front and back of the card, and photocopy of ID card such as passport.

However, such a photocopy authentication method is not only a lot of trouble for a legitimate card holder, but also can not be a fundamental authentication method can not completely exclude the possibility of theft card or counterfeit card.

In fact, in most countries where e-commerce has developed, there is a self-certification system in place. For example, in the United States and Canada, the above-described AVS method is used, and in Korea, a method of inputting a social security number and card password or an Internet Security Payment (ISP) method is used as an authentication means of a buyer.

However, these methods are mainly valid only within the country, and there is a problem in that they cannot be applied uniformly internationally. At present, the transaction status of buyers and sellers with different nationalities is still regarded as one of the most dangerous blind spots in the e-commerce market using cards as a payment method.

The present invention has been proposed to solve the above problems, one object of the present invention is a transaction that can be securely authenticated transactions at a more economical cost, especially when ordering goods / services overseas through the payment of credit cards It is intended to provide a mediation system and an electronic commerce mediation method through such a mediation system.

Another object of the present invention is to provide a safe and simple electronic commerce system and an electronic commerce method using the transaction brokerage system.

Another object of the present invention is to provide an electronic commerce system and an electronic commerce method that can be applied uniformly regardless of the type of card the buyer has, the nationality of the buyer and the seller.

Other advantages and objects of the present invention will become more apparent from the following drawings and the configuration of the present invention.

According to an aspect of the present invention, the present invention provides a transaction brokerage system including at least one of a buyer authentication means or a seller authentication means.

That is, the present invention is a transaction brokerage system is a transaction brokerage system connected to a buyer terminal, a seller server connected to the network with the buyer terminal and the affiliated agency server that approves the purchase requested by the buyer terminal, the communication information, the seller information A transaction brokerage database for storing and managing transaction information requested by the buyer terminal; Request the approval of the security amount to the affiliated agency server, and store it, compare and verify the amount input from the buyer terminal and the stored security amount, and transmits and stores the buyer authentication code to the buyer terminal according to the verification result. The present invention provides a transaction brokerage system including a transaction brokerage server including a buyer authentication means for comparing and verifying a password input from a buyer terminal and the stored buyer authentication code.

According to another aspect, the present invention provides a transaction brokerage system connected to a buyer terminal, a seller server connected to the buyer terminal through a network, and an affiliated agency server that approves the purchase requested by the buyer terminal. A transaction brokerage database for storing and managing transaction information requested by the buyer terminal; Provides a transaction brokerage system including a transaction brokerage server including a seller authentication means for transmitting and storing transaction information and a seller verification code to the buyer terminal and comparing and verifying the data input from a seller server and the stored seller verification code. do.

According to a preferred aspect of the present invention, the transaction intermediation server includes both the buyer authentication means and the seller authentication means.

Particularly, in the preferred embodiment of the present invention, the transaction information transmitter, which is a means for transmitting transaction information and seller authentication code to the buyer terminal according to the verification result of the buyer authentication means, is located within the buyer authentication means or seller authentication means or is independent. It can be configured in the transaction brokerage server.

On the other hand, in one aspect according to another aspect of the present invention the buyer terminal; A seller server connected to the purchaser terminal through a network; An affiliated agency server approving the purchase requested by the purchaser terminal; And a transaction brokerage system connected to the buyer terminal, the seller server, and the affiliated agency server through a communication network, the transaction brokerage database storing and managing seller information and transaction information requested by the buyer terminal, and the affiliated agency. Request the approval of the security amount to the server, and store it, compare and verify the amount entered from the buyer terminal and the stored security amount, and transmits and stores the buyer authentication code to the buyer terminal according to the verification result, A transaction system including a transaction brokerage system including a transaction brokerage server including a buyer authentication means for comparing and verifying a password input from a terminal and the stored buyer authentication code is provided.

According to another aspect, the transaction brokerage system constituting the transaction system transmits and stores transaction information and seller verification code to the buyer terminal instead of buyer verification means, and compares the data input from the seller server with the stored seller verification code. It may include a seller authentication means for verifying.

According to a preferred embodiment the buyer brokering system includes both the buyer authentication means and the seller authentication means.

In addition, according to another aspect of the invention, the present invention is a buyer terminal; A seller server connected to the purchaser terminal through a network; An affiliated agency server approving the purchase requested by the purchaser terminal; And a transaction brokerage system connected to the purchaser terminal, a seller server, and an affiliated agency server through a communication network, the transaction brokerage system including a transaction brokerage server, comprising: (a) a product posted on the seller server; Or receiving purchase information from the buyer terminal selecting a service to the transaction brokerage system; (b) determining, by the transaction intermediation server, whether to issue a buyer verification code matching the credit card number included in the received purchase information; (c) if it is determined in step (b) that there is no buyer authentication code, generating and storing a safe amount by the transaction intermediation server; (d) requesting approval for the generated safe amount from the transaction intermediation server to the affiliated agency server; (e) approving the secured amount by the affiliated agency server and notifying the approved secured amount to a purchaser's address; (f) inputting an amount into the transaction brokerage system from the purchaser terminal; (g) comparing and verifying the security amount stored by the transaction intermediation server and the amount input from the purchaser terminal; (h) issuing and storing a buyer authentication code to the buyer terminal by the transaction intermediation server according to the verification result of step (g); (i) inputting a password from the buyer terminal to the transaction brokerage system; And (j) provides a transaction brokering method comprising the step of comparing and verifying the buyer authentication code stored by the transaction brokerage server and the password input from the buyer terminal.

In this case, step (e) is characterized in that it is carried out by notification of the SMS or e-mail to the buyer, the security amount generated in the step (c) is divided arbitrarily the purchase amount received from the buyer terminal It is characterized in that the amount is a small amount of money or less than the purchase amount received from the purchaser terminal.

In addition, according to another aspect of the invention, the present invention is a buyer terminal; An affiliated agency server approving the purchase requested by the purchaser terminal; And a transaction brokerage system connected to the purchaser terminal and the affiliated agency server through a communication network, the transaction brokerage system including a transaction brokerage server, comprising: (a) crediting from the buyer terminal to the transaction brokerage system; Inputting card information; (b) generating and storing a safe amount by the transaction intermediation server; (c) requesting approval for the generated safe amount from the transaction intermediation server to the affiliated agency server; (d) approving the security amount by the affiliated agency server and notifying the authorized security amount to a purchaser's address; (e) inputting an amount into the transaction brokerage system from the purchaser terminal; (f) comparing and verifying the security amount stored by the transaction intermediation server and the amount input from the purchaser terminal; (g) providing a transaction intermediation method comprising the step of issuing and storing a buyer authentication code matching the credit card to the purchaser terminal by the transaction intermediation server according to the verification result of step (f).

In the present specification, "transaction information" includes purchase information such as the type, quantity, unit price, and total purchase price of the product / service selected by the buyer from the seller server, and seller information (seller e-mail, etc.), for example, purchaser authentication is completed. Refers to information that is then sent to buyers and / or sellers.

As used herein, the term "secure amount" or "secure authorization amount" is selected within an arbitrary range by the system according to the present invention when a buyer requests a transaction through a credit card, to an affiliated institution (such as a card company). For the small amount requested or the transaction requested by the buyer, the system of the present invention arbitrarily n divides it to mean each divided transaction amount or divided transaction amount for the divided transaction.

As used herein, the term "small amount" or "small amount of authorization" is a small amount of money that is requested by an institution to an affiliate within a certain range by the system of the present invention if there is a transaction requested by the buyer through a credit card. Means the amount not billed to the affiliated institution by the mediation system of the present invention.

As used herein, the term "divided amount" or "divided authorization amount" refers to each divided transaction when the broker's intermediary system arbitrarily n divides it (e.g., two divisions) for the transaction requested by the buyer through a credit card. It means the amount to be approved by the affiliated organization. The sum of the 'divided (approval) amount' is equal to the transaction amount requested by the buyer. Unlike the 'small (approval) amount' described above, the 'divided (approval) amount' is billed to the affiliated institution as a separate transaction.

In the present specification, the term "variable buyer verification code" refers to a credit card number requested by a buyer, and a different buyer verification code is assigned to each of a plurality of numbers, and when a buyer requests a transaction of goods / services for an authenticated credit card. This means inputting a purchaser authentication code of a randomly selected number among the plurality of numbers.

In this specification, "transaction intermediary system" is a company or agency that connects an affiliated agency server that issues and manages a credit card requested by a buyer to a seller server, and performs e-commerce, and is a conventional escrow service provider or a so-called 'PG'. Include the business. Hereinafter, the present invention will be described in more detail with reference to the accompanying drawings.

Figure 3 is a schematic diagram showing the overall configuration of an electronic commerce system according to an embodiment of the present invention. As shown in FIG. 3, the electronic commerce system 100 according to the present invention includes a purchaser terminal 110 operated by a purchaser who wants to purchase a product / service, and a network such as the purchaser terminal 110 and the Internet. The server connected to the seller server 120 and the credit card issuing company that approves the transaction for the credit card payment request selected by the buyer who wants to purchase the goods / service through the purchaser terminal 110 as a payment method. A communication network with an affiliated agency server 130, a shipping company server 140 connected to the seller server 120 via a network, the purchaser terminal 110, a seller server 120, and an affiliated agency server 130, respectively. It includes a transaction brokerage system 200 connected through.

The purchaser terminal 110 includes input means (not shown) for inputting purchase information such as credit card information or a safe amount to be described later, and a purchaser authentication code by the purchaser, and goods / posted through the seller server 120. Computer terminal, PDA terminal having a display unit (not shown), memory means, and control means for visually accessing the web page by the service information and transaction brokerage system 200 through a network such as the Internet. Or a mobile phone terminal.

The seller server 120 includes a commodity information database 122 for storing and managing commodity information such as goods / services, and constructs a web site such as a shopping mall where such commodity information is posted. Accordingly, the purchaser may view the product / service information posted on the web site established by the seller server 120 through the purchaser terminal 110 and select a product / service to be purchased.

In addition, the buyer selected the goods / services posted on the seller server 120 by the purchaser terminal 110 in the transaction brokerage system 200 according to the present invention, the authentication result, the credit card issued by the affiliated agency 130 If it is proved to be a legitimate holder of, the shipping company server 140 is connected to the seller server 120 through a network to deliver the goods / services ordered by the buyer to the address requested by the buyer. The delivery company server 140 is also connected via a network with a terminal 142 of each deliverer that substantially delivers goods / services and the like. According to the present embodiment, the delivery company server 140 is connected to the seller server 120 in a network, and is not directly connected to the transaction brokerage server 210 of the transaction brokerage system 200. Accordingly, the delivery information processed by the delivery company server 140 is transmitted to the transaction brokerage system 200 via the seller server 120.

Meanwhile, the affiliated agency server 130 manages payment processing of a purchase price of a product / service requested by a purchaser who wants to purchase a product / service posted on the seller server 120 through the purchaser terminal 110. To this end, in connection with the present invention is a financial institution server, such as a card company server for issuing and managing the credit card presented by the buyer as a payment means. To this end, the affiliated agency server 130 includes personal information of the buyer, for example, the card number issued to the buyer and the personal information of the card holder who issued the card, for example, the card billing address, and in some cases, the delivery address of the issuer. It includes a payment information database 132 that stores and manages card issuing information, such as, and payment date.

In particular, the transaction system 100 according to the present embodiment includes a transaction brokerage system 200 interconnected with a network such as the buyer terminal 110, the seller server 120 and the affiliated agency server 130 and the Internet. It is. In the transaction intermediary system 200, the buyer enters the credit card number to be paid by the buyer, the secured amount and the buyer authentication code to be described later through the buyer terminal 110, or the seller transmitted from the seller server 120 A web server 202 displaying a specific web page to the purchaser terminal 110 or the seller server 120 so that authentication code and shipping information can be inputted, and authentication of the buyer and seller through the web server 202 is performed. It includes a transaction brokerage server 210 to perform.

At this time, the web server 202 selects an item to be purchased based on the product / service information posted on a web site such as a shopping mall of the seller server 120, and if the buyer clicks the selection complete button, the buyer The purchaser's terminal 110 enters a credit card number and shipping address, or a small amount password and a buyer to be described later, so that the buyer can check whether the buyer selected the goods / service before the order is processed. A specific page (authentication page) for inputting an authentication code or the like is shown through a display unit (not shown) of the purchaser terminal 110.

In other words, when the buyer selects the goods / services through a web site such as a shopping mall of the seller server 120 and clicks the selection complete button, the buyer through the display unit of the buyer terminal 110 provides the above-described web server of the present invention ( The authentication page can be viewed through 202. That is, the web server 202 is configured to be able to communicate by Internet standard protocol such as HTTP to connect to a network such as the Internet and input a buyer authentication page or a buyer authentication code input page to the display unit of the buyer terminal 110. We open page to be able to. Therefore, when the purchaser selects a credit card as a payment method, the purchaser inputs credit card information, a shipping address, and / or a billing address on the authentication page displayed by the web server 202.

In addition, the web server 202 may enter a seller authentication code transmitted from the purchaser terminal 110 when the seller server 120 is connected, or a page for notifying that the seller authentication code has not been transmitted from the buyer within a predetermined date. It is to outline a web page.

In connection with the present embodiment, the transaction brokerage server 210 stores and manages goods / service information selected by the buyer terminal 110 and seller information selected by the buyer, and a transaction brokerage database 220. Means for verifying / authenticating at least the buyer in connection with 220, preferably means for verifying / certifying the seller after the means for confirming / authenticating the buyer, and the address at which the buyer applied for the goods / services ordered by the buyer And a variety of means for performing a task such as performing a payment for the payment method selected by the buyer.

In connection with the present embodiment, the transaction brokerage server 210 may include buyer information (eg, a shipping address desired by the buyer) input by the buyer through the buyer terminal 110, and purchase information selected by the buyer through the seller server 120 (purchase). In the case of a transaction brokerage database 220 in which the quantity, unit price, total purchase price, etc. of a desired product / service and seller information are stored, and the purchaser who requests the purchase of the product / service selects a credit card as a payment method, It includes a buyer authentication module 240 as a buyer verification / authentication means connected to the affiliated agency server 130 to verify and manage whether the buyer is a true card issuer. In particular, according to the present embodiment, as a means for authenticating / verifying the seller according to the verification result of the purchaser verification module 240 which is the purchaser verification / authentication means, the purchaser terminal 110 according to the verification result of the purchaser authentication module 240. ) The transaction information transmission unit 250 for transmitting transaction information such as the order history and the seller verification code, and the data input from the seller server 120 notified of the seller verification code through the buyer terminal 110 and the stored seller verification code It includes a seller authentication module 260 as a seller verification means for verifying, verifying. That is, in the present embodiment, the means for transmitting the seller authentication code to the purchaser terminal 110 among the seller authentication means, and the means for comparing and verifying the data input from the seller server 130 and the stored seller authentication code, each independently It consists of.

In addition, preferably in the transaction brokerage server 210 according to the present embodiment, if it is determined that the buyer is a true card issuer according to the verification result of the buyer authentication module 240, the affiliated agency server 130 that issued the card. It includes a payment module 230 for requesting the approval of the transaction requested by the buyer, and a delivery management module 270 for indicating and managing the delivery of the goods / services requested by the buyer. In this case, the payment module 230 may be connected to the affiliated agency server 130 through a network, and the delivery management module 270 may be connected to the seller server 120 through a network such as the Internet.

The configuration of the transaction brokerage server 210 of the transaction brokerage system 200 that performs various functions according to the present embodiment will be described in more detail with reference to FIG. 4. Figure 4 is a schematic diagram showing the configuration of a transaction brokerage server 210 according to an embodiment of the present invention. In this embodiment, in particular, as a purchaser authentication method using a 'small approval amount' method, as an example, a means for transmitting the seller authentication code to the purchaser terminal 110 is independently configured.

As described above, when the buyer selects the goods / services posted on the seller server 120 through the purchaser terminal 110 and clicks the selection complete button, the purchaser 110 displays the display unit (not shown) of the purchaser terminal 110. Through this, the purchaser can view the authentication page established by the web server 202. At this time, the buyer completes the selection of the goods / services to be purchased, and at the same time, the seller information selected by the buyer and the purchase information such as the type, quantity, unit price, and total purchase price of the goods / services are brokered according to the present embodiment. Stored in database 220.

Subsequently, when the purchaser selects a credit card as the payment method for the selected product / service, the purchaser displays the credit card number and the shipping address of the product / service on the authentication page displayed by the web server 202 to the purchaser terminal 110. Enter the same buyer information. In this way, the buyer information input by the buyer is also stored and managed in the transaction brokerage database 220 to manage the purchase approval and the delivery of goods / services to be described later.

In this case, the transaction brokerage database 220 preferably includes a purchase information database 222 for storing and managing purchase information such as sellers and product / service information selected by the buyer, and a purchaser input means of the buyer terminal 110. The purchaser management database 224 may store and manage buyer information such as a card number and a shipping address.

On the other hand, the buyer who requested the purchase of goods / services through the buyer authentication module 240 linked to the transaction brokerage database 220 based on the credit card number entered by the buyer through the input means of the buyer terminal 110 It is determined whether or not a legitimate holder of a card issued by the affiliated organization 130 is present. To this end, the purchaser authentication module 240 includes a purchaser authentication verification unit 241 for checking whether the credit card requested by the buyer who requested the goods / service order is authenticated, and a buyer issued to the buyer in response to the credit card requested by the buyer. Compare and verify the buyer verification code database 242 for storing and managing verification codes, a buyer verification unit 243 for comparing and verifying whether the buyer is a true credit card holder, and a buyer verification code issued to the buyer The purchaser authentication unit 247 is included.

The purchaser authentication confirmation unit 241 is linked with the buyer authentication code database 242, the credit card presented by the buyer based on the credit card number entered by the buyer in the authentication page transaction brokerage server 210 according to the present invention ) To check whether the product has been certified in advance, or if the expiration date has passed even if it has been certified, and whether there has been a renewal request from the buyer.

That is, if a valid buyer verification code matching the credit card number presented by the buyer as a payment method is searched in the buyer verification code database 242 and the credit card is verified to be valid, a separate buyer verification process is performed. Without going through, the buyer is configured to view a page (buyer authentication code input page) to enter the buyer authentication code through the input means of the buyer terminal (110). At this time, if the buyer enters the buyer verification code notified corresponding to the credit card and matches the stored buyer verification code, the transaction approval is requested to the affiliated agency server 130 based on the credit card number of the buyer.

Therefore, based on the credit card number entered by the buyer who requested the goods / services transaction through the buyer terminal 110, the credit card is already authenticated by the transaction brokerage server 210 before the transaction, and a valid buyer authentication code is issued. If so, the buyer verification confirmation unit 241 checks this, and goes to a web page where you can enter the authenticated buyer verification code through the web server 202, the buyer enters the authenticated buyer verification code You can continue the transaction process.

On the contrary, if the buyer verification code matching the credit card number presented by the buyer is not stored in the buyer verification code database 242 or the expiration date of the buyer verification code has not passed, the transaction approval is not immediately performed. In this case, a separate buyer certification process is performed. In particular, when the validity period of the buyer authentication code matching the credit card presented by the buyer has elapsed, the buyer authentication confirmation unit 241 checks this and sends it to the buyer's terminal 110 by the web server 202. It may be configured to show a web page (updating or not updating page) asking whether to renew the buyer verification code. In response to this, the purchaser may answer whether the purchaser authentication code is updated through the purchaser terminal 110.

As such, if a valid buyer authentication code matching the credit card presented by the buyer is not found, the purchaser verification unit 243 verifies whether the buyer who requested the order of the goods / services is a valid holder of the credit card presented. .

To this end, if the buyer verification unit 243 does not have a valid buyer verification code matching the credit card number presented by the buyer, or the buyer verification code renewal request from the buyer for the reason that the validity period of the buyer verification code has elapsed, Safe amount authorization to generate an arbitrary range of safe amounts to obtain approval for a randomly generated safe amount (and the credit card number requested by the buyer) to affiliate server 130 networked with transaction brokerage system 200 Department 244, a safe amount database 246 that temporarily stores and manages the approved small amount of approval amount, and a buyer notified from the affiliated agency server 130 of the approved safe amount to the purchaser terminal 110. Safe amount verification unit for comparing and verifying the entered amount and the safe amount approved and stored by the affiliated agency server 130 ( 245). Although not shown separately, the safe amount approving unit 244 has a means for generating a random safe amount for each transaction.

At this time, the safe amount is requested by the safe amount approval unit 244 is a small amount in any range, for example, may be any amount in the range of 0.00 ~ 50.00, preferably requested by the buyer This is a small amount of money that is much smaller than the total purchase price, and such a small amount of money will be described later.

As such, when an authorization request is made to the affiliated agency server 130 for the small amount as an example of the secured amount, the affiliated agency server 130 performs the approval process for the requested secured amount. Meanwhile, the safe amount requested for approval is stored in the safe amount database 246, and the web server 202 displays a page (safe amount input page) for inputting the safe amount requested for approval (not shown) of the purchaser terminal 110. Make it manifest).

The affiliated agency server 130 stores the credit card issuer stored and managed in the payment information database 132 based on the notified credit card information (this is, in principle, a malicious product / service by a buyer, theft, loss or hacking, etc.). When placing an order, the buyer is not a valid credit card issuer and may not be the buyer.)

In this case, there may be various methods for notifying the small amount of authorization amount from the affiliated agency server 130 to the address of the buyer. For example, when a transaction is approved by a credit card, a credit card company uses a so-called short message service (SMS) that transmits an amount corresponding to a transaction amount to a card issuer's terminal.

In the present invention, the small amount of money approved by the affiliated agency server 130 as a safe amount is stored in the affiliated agency server 130 in the card issuer's portable terminal (mobile phone terminal, A small amount of money may be notified to the PDA terminal, etc.) by using an SMS, or by an e-mail of the card issuer stored in the affiliated agency server 130.

If it is difficult to use such a service, the purchaser who inputs the credit card information, the billing address and / or the shipping address, accesses the affiliated agency server 130 which manages the information on the issued card through the network. After going through the authentication process or by contacting an affiliated organization (credit card company) by phone, the authentication process may be performed, and then a small amount of authorization requested to be approved by the affiliated agency server 130 may be checked.

Subsequently, the purchaser inputs the amount notified on the secured amount input page displayed by the web server 202 through the input means of the purchaser terminal 110 based on the received small amount of authorization. Of course, a small amount of approval amount receiving unit (not shown) for receiving the input amount may be configured in the purchaser verification unit 243. When the amount is input from the buyer, the safe amount verification unit 245 of the purchaser verification unit 243 determines the small amount of authorization amount as the requested safe amount of authorization stored in the safe amount database 246 and the amount input from the purchaser terminal 110. Judge whether or not. If the small amount of money approved according to the verification in the safe amount verification unit 245 and the amount of money input by the purchaser match, the temporarily stored amount of small amount of money may be deleted. That is, the small amount of authorization is to check whether the credit card transaction presented by the buyer is currently requested by the true card issuer, and is not charged by the transaction intermediation server 210 of the present invention.

If the purchaser verification unit 243, more specifically, the safe amount verification unit 245, as a result of the verification, indicates that the buyer who requested the purchase of the product / service is a true credit card holder, the purchaser verification unit 247 Generate a verification code, and the buyer verification code that matches the credit card number to the buyer terminal 110 (if the buyer requests a renewal after the validity period of the issued buyer verification code has elapsed, a new buyer verification code or renewed Send and manage the buyer verification code).

To this end, the purchaser authentication unit 247 includes a purchaser authentication code transmission unit 248 for generating (or updating) a purchaser authentication code matching the requested card number and transmitting the purchaser authentication code to the purchaser terminal 110. The buyer verification code transmitted from the buyer verification code transmission unit 248 is stored and managed in the buyer verification code database 242 so as to match the credit card number requested by the buyer. In addition, the purchaser authentication unit 247 includes a purchaser authentication code verification unit 249 for receiving a code input from the purchaser terminal 110 and verifying the code. The buyer verification code verification unit 249 compares and examines the buyer verification code stored and managed in the buyer verification code database 242 and the code input by the buyer.

Accordingly, when the purchaser authentication code is issued to the purchaser terminal 110, the web server 202 of the transaction brokerage system 200 may display a page (buyer authentication code input page) for entering the purchaser authentication code issued by the buyer. When the purchaser enters the purchaser verification code through the purchaser terminal 110, the purchaser pre-authentication procedure is performed by comparing and verifying the purchaser certification code verification unit 249. It ends.

In this case, a method of transmitting a single buyer verification code corresponding to the credit card requested by the buyer to the buyer terminal 110 in a 1: 1 manner, and transmitting a plurality of buyer verification codes corresponding to 1: N to the credit card. There is a method ("variable buyer verification code"). For example, in a financial transaction such as telebanking or internet banking, a code table in which different codes are entered according to each number up to approximately 1 to 50 times is given, and each transaction is 1 to 50 times. The method of inputting a code of a randomly selected number is used.

In the case of transmitting the buyer verification code according to the present invention, a code table displaying different buyer verification codes on a plurality of numbers (for example, 1 to 50) is transmitted in the form of an image file or a text file. According to a transaction, a method of inputting a buyer verification code of a randomly selected number may be taken.

After all, according to the present embodiment, when the purchaser who requests the purchase of goods / services through the credit card is a legitimate holder of the credit card, a small amount of authorization (safe amount) notified by his portable terminal or e-mail is correctly input. However, a buyer ordering a transaction through a lost, stolen or hacked credit card will not be able to enter the correct micro-authorization amount because they will not know the micro-authorization amount notified. As described above, if the approved and stored small amount of approval amount and the amount of money input from the purchaser terminal 110 do not match within a predetermined number of times, for example, within three times, the transaction can be canceled. That is, in the present embodiment, a small amount of a certain amount is approved as a safe amount for the purchase request of the purchaser, a credit card presented by the buyer as a payment method by comparing and verifying the amount entered from the buyer and the stored small amount of authorization amount. Prior to approving the transaction, the purchaser can verify in advance whether the buyer is a true credit card holder.

On the other hand, the payment module 230, if the correct buyer authentication code corresponding to the credit card requested by the buyer by the buyer authentication / verification in the buyer authentication module 240 as described above, the purchaser requested transaction amount The affiliated agency server 130 has a function of requesting approval of a corresponding transaction and performing a settlement of a price after the transaction is completed. To this end, if the payment module 230 is found to be a valid card holder as a result of the authentication in the buyer authentication module 240, the purchaser's approval of the transaction requested by the buyer to the affiliated agency server 130, such as the card company presented by the buyer Request, the transaction approval unit 232 receiving the approval for the transaction from the affiliated agency server 130, the delivery of the goods / services requested by the buyer is completed, the seller server 120 from the buyer terminal 110 After the seller verification code is notified, the code matching the previously stored seller verification code is input from the seller server 120 and the first payment settlement unit 234 for settlement of the transaction price with the seller server 120 and After the transaction is completed, a second payment settlement unit 236 for settlement of the transaction price with the affiliated agency server 130.

When the safe amount according to the 'small amount of authorization' described in this embodiment is approved, the amount of small amount of authorization is for the purchaser's authentication, not the actual amount of the transaction, so the charge through the payment module 230 for the small amount of authorization is Not done. To this end, if the small amount of approval amount stored in the safe amount database 246 and the amount of money input from the purchaser terminal 110 match, the small amount of approved amount of money stored may be immediately deleted.

In addition, if the transaction brokering server 210 has a verification of the buyer authentication module 240 and a transaction approval from the affiliated agency server 130, the buyer information (shipping address) and purchase information stored in the transaction brokerage database 220 are provided. It includes a delivery management module 270 for instructing the seller server 120 to deliver the goods / services requested by the buyer to the address requested by the buyer based on the (product / service information) and to manage the delivery information.

The delivery management module 270 according to the present embodiment includes a delivery instruction unit 272 for instructing delivery of goods / services to the seller server 120, a proof of delivery from the seller server 120, and a cargo. Shipping information receiving unit 274 for receiving the delivery information, such as a tracking number and a shipping information tracking unit 276 for confirming the delivery status of the goods / services requested by the buyer.

In particular, after the transaction brokering server 210 according to the present embodiment is found to be the true credit card holder according to the verification result in the buyer authentication module 240, the transaction brokerage database ( Along with an invoice that contains the transaction information stored at 220), i.e. the transaction information such as the quantity of goods / services requested by the buyer, the price, the total purchase price and seller information such as the seller's e-mail address and other contact numbers Transaction information transmitting unit 250 for transmitting a seller authentication code added arbitrarily according to each transaction is configured independently from the buyer authentication module 240 and the seller authentication module 260 to be described later.

In addition, the transaction brokerage server 210 according to the present embodiment includes a separate independent seller authentication module 260 for identifying a seller in correspondence with the buyer authentication module 240. The seller authentication module 260 stores a seller authentication code database 262 which stores and manages a seller authentication code transmitted from the transaction information transmitter 250 to the purchaser terminal 110, a stored seller authentication code and a seller server ( And a seller authentication unit 261 for verifying a seller by comparing and verifying the data inputted from 120.

That is, when the goods / services are delivered to the address requested by the buyer through the above-described delivery management module 270, the buyers may own the goods / services delivered based on the invoice including the purchase information transmitted to the buyer terminal 110. Check to see if it matches the ordered goods / services. If there is no abnormality as a result of the confirmation, the buyer transmits / notifies the seller authentication code transmitted from the transaction information transmitting unit 250 to the purchaser terminal 110 through the seller's e-mail or other wired / wireless communication means.

In this case, after the buyer has completed the delivery of the goods / services requested by the buyer, the seller may also inquire and confirm the seller verification code for the corresponding transaction sent directly to the buyer to the buyer address (e-mail or phone number) based on the buyer information. It is possible.

After the seller server 120 receives the seller authentication code from the purchaser terminal 110, the seller server 120 accesses the transaction intermediation system 200 according to the present invention and purchases the seller through the seller authentication code input page established by the web server 202. Enter the seller verification code received from the terminal (110). To this end, it is obvious that a separate seller authentication code receiver (not shown) may be configured in the seller authentication module.

When a password recognized as a seller verification code is input from the seller server 120 as described above, the seller verification code verification unit 266 of the seller verification unit 261 and the seller verification code stored in the seller verification code database 262 are used. It is checked whether or not the passwords input from the seller server 120 match. If the stored seller authentication code and the password input from the seller server 120 match, the transaction price is transferred to the account of the seller who operates the seller server 120 through the payment settlement unit 234 of the payment module 230. The deposit is processed.

In addition, preferably, after the seller authentication unit 261 receives a notification that the delivery is completed from the seller server 120 to the delivery management module 270, the seller authentication code for the corresponding transaction is displayed in the seller server 120. It further includes a seller authentication code verification unit 268 for confirming whether or not the notification.

For example, even if the goods / services are delivered to the address requested by the buyer, the buyer may not notify the seller or the seller server 120 of the seller verification code by intentional or unavoidable circumstances. In this case, the seller server 120 notifies the seller verification code confirmation unit 268 that the seller verification code has not been transmitted from the buyer even within a predetermined date. Alternatively, the seller verification code verification unit 268 may confirm that the seller verification code is not input even after a predetermined date has elapsed after the delivery completion notice, and request the seller server 120 to input the seller verification code.

As such, when it is confirmed that the seller verification code is not transmitted to the seller server 120 through the seller verification code verification unit 268, the delivery information tracking unit 276 of the delivery management module 270 If the goods requested by the buyer are found to have been delivered correctly to the buyer's address through direct contact with the buyer and delivery information such as a delivery certificate received by the delivery information receiver 274, the seller of the transaction may be treated as authenticated. have.

In the above-described transaction brokerage system 200, after the buyer selects the goods / services through the seller server 120, the buyer initiates a procedure of authenticating the credit card selected by the buyer as a payment method. However, it is also possible for the buyer to carry out an authorization procedure in advance for future purchases prior to the point of purchase. In this case, when the buyer connects to the transaction brokerage system 200 of the present invention through the Internet or the like, the web server 202 is displayed on the display unit of the purchaser terminal 110 as a credit card to be presented as a payment means in a future transaction. Allows users to see the Buyer Authentication Code Issuance / Reissue Page. When the buyer enters the credit card information and the shipping address and / or billing address, the brokerage system 200 according to the present invention follows a procedure similar to the above-described small amount authorization procedure before the buyer presents the actual goods / services. One or more buyer verification codes may be assigned corresponding to one credit card number. In this case, although there is no substantial transaction, the intermediary system 200 of the present invention generates a small amount of authorization, for example, 50.00 or less, and enters the same amount as the buyer notified following the procedure described above. One or more buyer verification codes for a card may be issued prior to purchase. The small amount of approval should be configured to be deleted from the database as soon as the buyer verification code is issued, so as not to be charged separately.

After a valid buyer verification code corresponding to the credit card information is issued according to this procedure, the buyer selects the posted goods / services from the seller server 120 and inputs the credit card information issued with the valid buyer verification code. In this case, the buyer verification process can be simply terminated by inputting the buyer verification code that is notified without a small approval process.

In the above-described embodiment, the transaction brokerage system 200 and the shipping company server 140 are indirectly connected through the seller server 120, and the buyer authentication module 240 uses the 'small amount of money' method in the buyer authentication module. The transaction information transmitter 250 is configured independently of the purchaser authentication module 240 and the seller authentication module 260, but a transaction brokerage system having another configuration is possible.

5 is a schematic diagram showing the overall configuration of an electronic commerce system according to another preferred aspect of the present invention, Figure 6 is a schematic diagram showing the configuration of a transaction brokerage system according to another preferred aspect of the present invention . According to the transaction intermediation system according to the present embodiment, the buyer authentication is made by the 'split approval amount' method, the configuration for transmitting the invoice and the seller authentication code to the buyer terminal is located in the seller authentication module, the shipping company server It is also directly connected to the trading brokerage system. Detailed description of the same parts as those described in the above embodiment of the configuration according to the present embodiment will be omitted.

The transaction system 300 according to the present embodiment stores and manages a purchaser terminal 310 having an input means, a display unit, and the like, and product / service information displayed on the display unit of the purchaser terminal 310. A seller server 320 including an information database 322 and a web site such as a shopping mall, and a payment information database 332 storing and managing credit card information requested by the purchaser terminal 310. It includes, is connected to the affiliated agency server 330 for approving the transaction requested by the buyer, the seller server 320 and the transaction brokerage system 400 according to this embodiment through a network (communication network) such as the Internet and Shipping company server 340 is included. The delivery company server 340 is connected to each shipper's terminal 342 through a network, wherein each shipper's terminal 342 may also be directly connected to the transaction brokerage system 400 according to the present embodiment. have.

The transaction brokerage system 400 according to the present embodiment is connected to the purchaser terminal 310, the seller server 320, the affiliated agency server 330, and the delivery company server 340, respectively, via a network such as the Internet. The transaction brokerage system 400 according to the present embodiment includes a web server 402 configured to display a specific web page on the buyer terminal 310 and the seller server 320, and a transaction requested from the buyer terminal 110. Means for authenticating the buyer with respect to the transaction and preferably a means for authenticating the seller after the buyer authentication means, and a transaction intermediation server 410 including means for performing various functions such as paying for the purchase price. ) Is included.

The transaction brokerage server 410 includes a transaction brokerage database 420 that stores and manages product / service information, seller information, and buyer information requested by the buyer, and whether the buyer who presented the credit card as a payment method is a true cardholder. Buyer authentication module 440 as a buyer authentication / confirmation means for verifying whether or not, a payment module 430 for requesting a credit card payment by the buyer and settlement of the transaction price, and a buyer authentication module as a buyer authentication means According to the verification result at 440, the seller authentication module 460 as a means for verifying / certifying the seller and the delivery of goods / services requested by the buyer are instructed directly or indirectly to the delivery company server 340. Shipping management module 470 for managing the delivery information is included.

The transaction brokerage database 420 is preferably purchased information such as the seller information and the quantity of goods / services selected by the buyer based on the goods / service information posted on the seller server 320, as shown in FIG. And a purchaser information database 422 for storing and managing seller information, and a purchaser management database 424 for storing and managing buyer information such as a card number and a shipping address entered by the buyer.

On the other hand, the buyer authentication module 440 is a buyer for comparing and verifying whether the credit card presented by the buyer as a payment method has been issued a valid buyer authentication code by the transaction intermediation server 410 according to the present embodiment An authentication confirmation unit 441 and a buyer authentication code database 442 that stores and manages a buyer authentication code matching the credit card number presented by the buyer. In addition, the purchaser authentication module 440 randomly divides the transaction requested by the buyer when the credit card presented by the purchaser has not been issued a valid purchaser authentication code as a result of the verification of the purchaser authentication verification unit 441. Match the credit card requested by the buyer according to the buyer verification unit 443 and the verification result of the buyer verification unit 443 which performs the approval to the affiliated agency server 330 using the divided amount for the divided transaction as a safe amount. Buyer authentication code that is issued, transmitted, and manages that includes a buyer authentication unit (447).

The buyer verification unit 443 arbitrarily divides (for example, divides) n into the transactions of the goods / services selected by the buyer, divides the amount corresponding to each divided transaction into a safe amount, A secured amount approval unit 444 requesting approval to the affiliated institution server 330 for the divided amount (secure amount) of the secured amount, a secured amount database 446 for storing and managing each divided amount requested for approval, and a buyer And a safe amount verification unit 445 for comparing and verifying whether the respective amounts of money inputted from the terminal 310 match each of the stored divided approval amounts. Although not shown in the drawing, the buyer verification unit 443 includes a means for arbitrarily dividing a transaction requested by the buyer to generate each divided amount as a safe amount, and a safety for receiving the amount input from the buyer terminal 310. The amount receiving unit may be included.

In addition, the buyer authentication unit 447 generates a buyer authentication code matching the credit card requested by the buyer according to the verification result of the buyer verification unit 443, and transmits the buyer verification code to issue it to the buyer terminal 310. The purchaser authentication code verification unit 449 receives a code inputted from the unit 448 and the purchaser terminal 310 and compares the code with the stored authentication code.

According to the present embodiment, when the buyer wants to pay the transaction price through the credit card, the buyer authentication verification unit 441 corresponds to the credit card selected by the buyer based on the data stored in the buyer verification code database 442. It is determined whether a valid buyer verification code has been issued. As a result of the determination, if no valid buyer authentication code is issued, the transaction requested by the buyer is arbitrarily divided into n (preferably two), and a divided amount is generated by each divided transaction. (For example, if the purchase price requested by the purchaser is $ 100 in total and there is no valid purchaser verification code, the split amount generating means in the purchaser authentication module 440 arbitrarily divides the amount into two pieces to generate the divided amounts of 37.85 and 62.15, respectively. That is, the sum of the divided amounts generated in this embodiment is equal to the purchase amount requested by the buyer.) Each generated divided amount is treated as a safe amount, and n times of approvals are applied to the divided amount by the affiliated agency server 330. Happens.

In this way, the authorization request is performed to the affiliated agency server 330 for the divided amount (along with the requested credit card information) allocated to each of the divided transactions for the transaction requested by the buyer. The affiliated agency server 330 notifies the transaction approval unit 432 of the payment module 430 to be described later, if the requested divided amount is approved. Meanwhile, the divided amount arbitrarily generated and requested for approval in the purchaser authentication module 440 is stored in the safe amount database 446 as a safe amount, and the web server 402 enters a page for inputting the safe amount requested for approval (safe amount input). Page) to the display unit (not shown) of the purchaser terminal 110.

The affiliated agency server 330 approves the divided payment amount for the divided transaction, and stores and manages the credit card issuer (which is in principle a buyer or theft) in the payment information database 332 based on the notified credit card number. In case of malicious or ordering goods / services due to loss or hacking, the purchaser may not be a valid credit card issuer.). The divided amount notification method may be performed according to the same method as the small amount amount notification method described above.

Subsequently, the purchaser inputs the amount notified on the secured amount input page displayed by the web server 402 through the input means of the purchaser terminal 310 based on the notified division approval amount. Of course, the divided approval amount receiving unit (not shown) for receiving the input amount may be configured in the purchaser verification unit 443. When the amount is input from the purchaser, the safe amount verification unit 445 of the purchaser verification unit 443 determines the divided approval amount as the requested requested safe amount stored in the safe amount database 446 and the amount input from the purchaser terminal 310. Judge whether or not.

When the security amount verification unit 445 verifies that the buyer who requested the purchase of the goods / services is a true holder of the credit card adopted as the payment method, the buyer authentication unit 447 generates a buyer authentication code to generate a buyer terminal code. And transmits and manages a buyer verification code matching the credit card number (if the buyer requests a renewal after the expiration date of the issued buyer verification code). .

To this end, the purchaser authentication unit 447 includes a purchaser authentication code transmission unit 448 for generating (or updating) a purchaser authentication code matching the requested card number and transmitting the purchaser authentication code to the purchaser terminal 310. The buyer verification code transmitted from the buyer verification code transmission unit 448 is stored and managed in the buyer verification code database 442 so that the buyer verification code can be matched with the credit card number requested by the buyer. In addition, the purchaser authentication unit 447 includes a purchaser authentication code verification unit 449 for receiving a code input from the purchaser terminal 310 and verifying the code.

Accordingly, when the purchaser authentication code is issued to the purchaser terminal 310, the web server 402 of the transaction intermediation system 400 displays a page (buyer authentication code input page) for entering the purchaser authentication code issued by the buyer. When the purchaser enters the purchaser verification code through the purchaser terminal 310, the purchaser pre-authentication procedure is performed by comparing and verifying the purchaser verification code verification unit 449. It ends. At this time, the purchaser authentication code issued to the buyer terminal 310 corresponds to 1: N in the case of the above-described credit card requested by the purchaser and the so-called 'variable buyer authentication code' method as described above. There may be cases as described above.

On the other hand, the sum of the divided amount arbitrarily generated through the buyer verification module 440 according to the present embodiment is equal to the actual purchase amount requested by the buyer. Therefore, when the purchaser is to be authenticated according to the divided approval amount method as in the present embodiment, the divided approval amount approved from the affiliated agency server 330 should be substantially settled.

To this end, the payment module 430 according to the present embodiment receives each divided amount stored in the safe amount database 446 when the verification result of the buyer authentication code in the buyer authentication module 440 matches, and the The transaction approval unit 432, which receives an approval number for each divided transaction performed by the affiliate institution server 330, and the seller server 320 according to the seller verification code verification result input from the seller server 320; A first payment settlement unit 434 for settlement of the transaction price and a second payment settlement portion 436 for settlement of the transaction price with the affiliated agency server 130 after the transaction is completed. Accordingly, in the present embodiment, the divided amount allocated for the divided transaction may be settled only when the verification result of the buyer authentication code matches.

In addition, the transaction brokerage server 410 is based on the purchase information stored in the transaction brokerage database 420 and the shipping address requested by the buyer after verification at the buyer authentication module 440 and approval of the transaction at the affiliated agency server 330. A delivery instruction unit 472 for instructing the buyer to deliver the goods / services requested by the buyer to a delivery address, a delivery information receiver 474 for receiving and managing delivery information such as a delivery certificate and a cargo tracking number, Includes a delivery management module 470 including a shipping information tracking unit 476 can be confirmed.

At this time, the delivery management module 470 according to the present embodiment is connected to the network with the seller server 320, as well as each of the direct delivery of the product / service requested by the delivery company server 340 and / or buyers The delivery terminal 342 is also interconnected via a network, so that the input or tracking of the delivery information is not via the seller server 320, but the delivery management module 470 and the delivery company server 340 / deliver terminal of the present invention. Directly between 342.

On the other hand, according to the present embodiment, the configuration for transmitting the invoice and the seller authentication code to the buyer terminal 310 according to the verification result in the buyer authentication module 440 is not configured independently, the seller authentication module as the seller authentication means Included in 460.

That is, the seller authentication module 460 according to the present embodiment, when it is determined that the buyer is the true holder of the credit card according to the verification result of the buyer authentication module 440, the purchase information and the seller to the purchaser terminal 310. Seller verification code database for sending and verifying invoices and seller verification codes for relevant transactions, comparing and verifying data entered from sellers, and verification codes sent to sellers, and seller verification codes database for storing and managing seller verification codes. (462).

When the seller authentication unit 461 verifies that the credit card presented by the buyer has been issued a valid buyer authentication code according to the verification result in the buyer authentication module 440, the goods / services requested by the buyer to the buyer terminal 310 Transaction information transmission unit 464 for transmitting an invoice in which transaction information such as information (that is, purchase information) and seller information, and a seller authentication code arbitrarily formed for each transaction, and delivery of goods / services requested by the buyer Is completed and the buyer is satisfied with the delivered goods / services, the seller is notified to the seller server 320 from the buyer, the data entered from the seller server 320 and the seller authentication stored in the seller verification code database 462. It includes a seller verification code verification unit 466 for comparing and verifying whether the codes match. In the seller verification code verification unit 466, the transaction price is deposited into the account of the seller who operates the seller server 320 according to the verification result.

On the other hand, preferably, the seller authentication unit 461 checks whether the seller authentication code is input from the seller server 120 after the completion of delivery is notified through the delivery management module 470 or the purchaser terminal 110. The seller authentication code confirmation unit 468 is included for notifying the seller server 320 of the fact that the seller authentication code has not been notified / transmitted from the seller server 320 to the seller server 320.

That is, the transaction brokerage server 410 of the transaction brokerage system 400 according to the present embodiment has a transaction authentication module 460 in which the transaction information transmitter 464 for transmitting transaction information and a seller authentication code to the purchaser terminal 110. It is configured within, the delivery management module 470 is characterized in that it is configured to share information through the network directly with the carrier company 340 and the shipper terminal 342.

In particular, in this embodiment, the transaction information transmitting unit 464 is a seller authentication module 460 as a means for transmitting an invoice including the purchase information requested by the buyer and the seller information and the seller authentication code for the corresponding transaction to the buyer terminal 310. Although it is located in the), it is also possible to include the transaction information transmitter in the buyer authentication module 440, and to transmit the invoice and the seller authentication code to the buyer terminal according to the buyer authentication code verification result.

The transaction brokerage system 400 according to the present embodiment may also perform a pre-buyer authentication procedure for the future purchase before the buyer selects the goods / services through the seller server 320, that is, before the actual purchase point. Of course. When the buyer accesses the transaction brokerage system 400 without passing through the seller server 320, the 'buyer authentication code issuance / reissue page' is displayed on the display unit of the buyer terminal 310 by the web server 402. When the purchaser enters credit card information and the like, a purchaser authentication code corresponding to the credit card is issued in advance in accordance with a procedure similar to the above-described partial amount authorization procedure. In this case, since there is no substantial transaction, the partial authorization amount is simply used to authenticate the buyer, and of course, no claim is made. To this end, the divided approval amount stored in the safe amount database 446 may be configured to be immediately deleted without being transmitted to the transaction approval unit 332.

After a valid buyer verification code corresponding to the credit card information is issued according to this procedure, the buyer selects the posted goods / services from the seller server 320 and inputs the credit card information issued with the valid buyer verification code. In this case, the buyer verification process can be simply terminated by inputting the buyer verification code that is notified without a small approval process.

An electronic commerce method or an electronic commerce mediation method through the system of the present invention configured as described above will be described. 7 is a diagram schematically illustrating a path through which e-commerce is performed according to a trading system according to the present invention.

First, the buyer selects the type and quantity of goods / services to be purchased from a website such as a shopping mall of the seller server 520 where the goods / services information is posted through the display unit of the buyer terminal 510, and the seller server. In step 520, the selection completion button is clicked (A). When the buyer clicks the selection complete button, the transaction information including the purchase information and the seller information such as the quantity, unit price, and transaction price of the product / service selected by the buyer is stored in the transaction brokerage system 600, and the buyer terminal 510 An authentication page for displaying a card number adopted by the buyer as a payment means by the transaction intermediation system 600 is displayed on the display unit.

When the buyer enters the credit card information and the card billing address and / or shipping address (B), the transaction brokerage system 600 issues a valid buyer verification code for the card number entered by the buyer by the transaction brokerage system 600. It is determined whether the card has been received, that is, whether the card is authenticated by the mediation system 600, and if it is determined that there is no valid buyer verification code, the security amount such as the 'small amount' or the 'divided amount' as described above is applied. Request the authorization to the affiliated agency server (for example, a credit card company server that issues and manages the credit card presented by the buyer) (C). The affiliated institution server 530 approves the requested security amount and notifies the authorized security amount to the purchaser's address through an SMS service (D). When the buyer enters the safe amount notified through the buyer terminal 510 (E), the transaction brokerage system 600 compares, reviews and compares the stored safe amount with the amount entered by the buyer. The buyer authentication code corresponding to the credit card number is transmitted and stored (F), and the buyer enters the transmitted buyer authentication code (G), thereby completing the pre-authentication procedure for the buyer.

At this time, if the credit card presented by the buyer as a means of payment has already been found to have been issued a valid buyer verification code by the transaction intermediation system 600, the buyer immediately issued the buyer verification code without a notice of approval and input of the safe amount By entering the purchaser authentication procedure can be performed. That is, before the buyer delivers the goods / services from the seller server 320, the purchaser may access the intermediary system 600 for future purchase and perform the authentication procedure according to the above-described 'small approval amount' or 'split approval amount' procedure. If you have previously received one or more buyer verification codes corresponding to the credit card information, enter the credit card information issued with the valid buyer verification code after the selection of the product / service. By entering the code, you can simply terminate the buyer verification process.

When the buyer is authenticated through the 'small authorization amount' method, if the buyer authentication code input from the buyer terminal 510 is matched, the transaction brokerage system 600 issues and manages the affiliated agency server that issues and manages the credit card selected by the buyer. At 530, the buyer requests approval for the actual transaction requested by the buyer (H), and the affiliated agency server 530 reviews the buyer's creditworthiness, account balance, and the like in response to the transaction approval request, and converts the approval number of the corresponding transaction into the transaction brokerage system. Send to 600 to approve the transaction (I). This step is not required if the buyer has been authenticated using the 'split approval amount' method.

Subsequently, the transaction brokerage system 600 purchases an invoice in which transaction information including purchase information and seller information, such as the quantity, unit price, and total purchase price of the goods / services selected by the buyer, and the seller verification code according to the transaction. It transmits to the terminal 510 (J1). At the same time, the transaction brokerage system 600 notifies the seller server 520 of information on purchases of goods / services requested by the buyer and shipping addresses requested by the buyer (J2), and the seller server 520 according to the above information. Deliver goods / services (K).

If the delivery is completed and the buyer has no intention of refunding the delivered goods / services, the buyer notifies and transmits the seller authentication code transmitted from the transaction intermediation system 600 to the seller server 520 (L). The seller server 520 accesses the transaction brokerage system 600, inputs the seller verification code sent from the buyer (M), and if the data entered from the seller server 520 and the stored seller verification code match, the transaction brokerage system ( 600 processes the payment to the seller server 520 (N). Subsequently, the transaction intermediation system 600 notifies the affiliated agency server 530 that the transaction has been completed to settle the transaction price (O), and the affiliated agency server 530 withdraws the transaction price from the buyer's account at a predetermined date. (P).

If more detailed description of the transaction intermediary method or transaction method according to the present invention. FIG. 8 is a flowchart schematically illustrating a procedure from selection of goods / services to delivery in an electronic commerce system according to a 'small approval amount' method according to an embodiment of the present invention. Presenting a specific web page to the buyer terminal or the seller server of the steps described below in the transaction brokerage system is substantially done by the above-described web server, the security amount approval / verification, buyer authentication code issuance / verification, The functions such as the seller authentication code transmission / verification are all performed in the transaction intermediation server constituting the transaction intermediation system.

First, a buyer selects a product / service to be purchased in a shopping mall of a seller managed by a seller server through a buyer terminal (S810). When the buyer clicks the product / service selection completion button, the purchase information and seller information selected by the buyer are stored in the transaction brokerage system, and the display unit of the buyer terminal is moved to a page for inputting the buyer's payment information. Accordingly, the buyer enters the purchase information such as credit card information and the shipping address and / or billing address adopted as the payment method of the transaction (S812).

When the purchase information is input from the buyer, the credit card selected by the buyer is authenticated by the transaction intermediation system of the present invention to determine whether a buyer authentication code corresponding to the credit card number is issued (S814). If the credit card presented by the buyer is not authenticated, the transaction brokerage system generates a small amount within any range, for example, a range from 0.00 to 50.00, stores it in a database, and then sends it to the affiliate server. The request for approval, and the affiliated agency server performs the approval for the small amount (S816). At this time, the 'small approval amount' method described as an example of the method for authenticating the buyer according to the present invention will be described as follows. same.

When the buyer selects the goods / services and the credit card presented as a payment method does not obtain a valid certificate through the system, processing the total transaction amount requested by the buyer is a problem such as a 'charge back' that occurs later. This can be a big adventure. Therefore, in this method, before the purchaser can approve the requested transaction amount, a small amount of money within a relatively small range is generated, and with the request for approval of the generated amount, the buyer can verify whether the buyer is a true holder of the credit card. To make it possible. At this time, the generated small amount amount is an amount within an appropriate range, for example, any small amount amount falling between 0.00 and 50.00. For example, if the total amount of the purchase price requested by the buyer is $ 100, a randomly selected 3.27 within the above range is generated as a 'small amount', and the small amount generated is pre-approved through the affiliate institution server. However, since the small amount approved in this way is completely irrelevant to the transaction price requested by the buyer, no billing or settlement is performed separately. For this purpose, the stored small amount of approval may be configured to be deleted by the system of the present invention after the purchaser authentication procedure is completed.

Subsequently, the affiliated agency server transmits the approved small amount to the portable terminal of the credit card holder who requested the transaction by SMS method, and transmits it to the cardholder's e-mali, or the purchaser contacts the affiliated agency and authenticates after authentication. The small amount of money is notified to the purchaser's address through a method of finding out the small amount of money that has been made (S818).

In this way, when the buyer who is notified of the small amount of authorization amount from the affiliated agency server enters the small amount of amount notified through the purchaser terminal (S820), the transaction brokerage system determines whether the stored small amount of authorization amount matches the amount of the amount entered by the buyer. Compare and verify whether or not (S822). If the verification of the micro-approval amount confirms that the amount entered by the buyer does not match the stored micro-approval amount, the user can enter it again. If the amount entered by the buyer does not match the 3-stored micro-approval amount, for example, the transaction will be It may be canceled (S826).

The transaction brokerage system 400 according to the present embodiment may also perform a pre-buyer authentication procedure for the future purchase before the buyer selects the goods / services through the seller server 320, that is, before the actual purchase point. Of course. When the buyer accesses the transaction brokerage system 400 without passing through the seller server 320, the 'buyer authentication code issuance / reissue page' is displayed on the display unit of the buyer terminal 310 by the web server 402. When the purchaser enters credit card information and the like, a purchaser authentication code corresponding to the credit card is issued in advance in accordance with a procedure similar to the above-described partial amount authorization procedure. In this case, since there is no substantial transaction, the partial authorization amount is simply used to authenticate the buyer, and of course, no claim is made. To this end, the divided approval amount stored in the safe amount database 446 may be configured to be immediately deleted without being transmitted to the transaction approval unit 332.

After a valid buyer verification code corresponding to the credit card information is issued according to this procedure, the buyer selects the posted goods / services from the seller server 320 and inputs the credit card information issued with the valid buyer verification code. In this case, the buyer verification process can be simply terminated by inputting the buyer verification code that is notified without a small approval process.

As a result of the small authorization amount verification, if the stored small authorization amount matches the amount entered by the buyer, the transaction brokerage system sends the buyer verification code corresponding to the corresponding credit card number (e.g. "HSKN-8256-7389-2745"). ), And stores the corresponding credit card number and the buyer verification code corresponding thereto (S824). In this case, the buyer verification code issued to the buyer is not a single verification code but a file in which a separate verification code is specified according to a plurality of numbers, and each time a buyer enters the buyer verification code later, You may be asked to enter a verification code.

Subsequently, when the buyer inputs the issued buyer verification code (S830), the transaction brokerage system determines whether the buyer verification code corresponding to the credit card number matches (S832), and the buyer pre-authentication procedure is terminated.

On the other hand, if the verification result of the credit card presented by the buyer (S814), if it is determined that the purchaser verification code has already been issued, the validity period of the buyer verification code corresponding to the credit card has elapsed or the buyer requests renewal. It is determined whether or not (S828). The validity period of the Buyer Verification Code can be, for example, one year from the date of first issuance of the Buyer Verification Code. As in the case where the code is not issued, a random amount of money is generated, and the affiliated agency server approves the small amount (S816) and the notification to the buyer address (S818), the small amount input (S820), and the small amount verification (S822). The new buyer verification code is issued or the renewed buyer verification code is renewed.

On the other hand, if the buyer verification code validity period verification result (S828), a valid buyer verification code is found to be issued a credit card procedures such as small amount authorization (S816), notification (S818), input (S820), verification (S822), etc. If the buyer immediately enters the buyer verification code corresponding to the credit card number (S830), the buyer verification process is terminated by comparing and verifying the stored buyer verification code and the data entered by the buyer (S832).

As a result, according to the present invention, if a purchaser authentication code is issued for the first time or a renewal period of a purchaser verification code is expired, a step of comparing and verifying a small amount of money arbitrarily generated by the intermediary system of the present invention is required. A buyer who wishes to pay with a credit card issued with a buyer verification code within the validity period may complete the buyer verification process by simply inputting the issued buyer verification code.

When the buyer verification code entered by the buyer is found to be valid as described above, the transaction brokerage system requests the approval of the transaction to the affiliated agency server that issues and manages the credit card presented by the buyer (S834). The approval number of the corresponding transaction is notified to the transaction brokerage system based on the credit information of the buyer, such as the credit rating and the balance of the account (S836).

Upon notification of the approval of the transaction, the transaction brokerage system will post to the buyer's terminal the purchase information such as the quantity of the goods / services requested by the buyer, the unit price, the total purchase price and the seller information (such as the seller's e-mail or contact number). The seller authentication code (for example, "YVGP-6528") randomly selected according to the invoice and the corresponding transaction is transmitted (S838). At the same time, the transaction brokerage system notifies the seller server of delivery information such as the quantity of goods / services requested by the buyer and the delivery address requested by the buyer, and instructs delivery (S840).

The seller server receiving the delivery instruction requests the delivery company to deliver the corresponding goods / services, and the delivery company who requested the delivery delivers the goods / services requested by the buyer (S842). Subsequently, the delivery company server or each deliverer inputs delivery information (delivery certificate, freight forwarding number, etc.) through the seller server or directly to the transaction brokerage system (S844) so that the transaction brokerage system can know the delivery status.

9 is a flowchart schematically showing a procedure from the delivery of goods / services to the payment of money to the seller in the electronic commerce system according to the present invention. When the delivery of the goods / services is completed in response to the purchaser's request (S910), the buyer reviews the goods / services delivered and the goods / services are damaged in the delivery process or the goods / services and the goods delivered to the seller server. If the services do not match, the transaction brokerage system may request a refund (S912). In response to such a legal refund request, the transaction brokerage system cancels the transaction (S914) and instructs the seller server to process the returned goods / service.

If the buyer is satisfied with the delivered goods / services and there is no intention of refunding, the buyer sends and notifies the seller's server verification code of the transaction sent from the transaction intermediary system to the seller's server through the seller's e-mail or wired or wireless telephone. (S916). The seller server enters the seller verification code of the corresponding transaction sent from the buyer through the seller verification page of the transaction brokerage system (S918), and the transaction brokerage system compares the stored seller verification code for the transaction with data input from the seller server. , Verify (S920). When the seller verification code verification result stored seller authentication code and the data input from the seller server is matched, the transaction brokerage system, the seller server and the affiliated agency server settles the purchase price (S922).

In particular, the seller is notified of the completion of the delivery of the goods / services requested by the buyer, and the seller's authentication of the transaction from the seller's server, even if there is no refund request from the buyer, even after a predetermined period of time, for example, 15 days after the completion of delivery. Sometimes a code is not entered. This is the case when the buyer intentionally or inevitably did not send the seller verification code for the transaction to the seller server or the seller server did not enter it. If the seller does not enter this even though the buyer has sent the seller verification code to the seller server, the transaction price is not deposited to the seller server.

On the other hand, if the buyer did not send the seller verification code to the seller server, the seller server notifies that the seller verification code has not been sent to the transaction brokerage system, and the transaction brokerage system receives the shipping information received from the seller server or the shipper server. Based on this, you can check whether the goods / services ordered to the buyer were delivered correctly, or if necessary, contact the buyer to check the delivery. Accordingly, if it is found that the goods / services requested by the buyer are correctly delivered, the transaction brokerage system deposits the transaction price to the seller server regardless of the seller authentication code.

8 illustrates a method of authenticating a buyer through an approval procedure of a 'small amount', and a method of authenticating a buyer through an approval process of a 'split amount' is also possible. FIG. 10 is a flowchart briefly illustrating a transaction intermediation method or a transaction method that is performed by authenticating a buyer through an approval procedure of such a 'split amount' according to another embodiment of the present invention, and only when a valid buyer authentication code is not issued. It is limited.

When the buyer selects the goods / services from the seller server (S1010), a page for inputting the buyer's payment information is displayed as the buyer terminal by the brokerage system of the present invention, and the buyer enters the purchase information (S1012). ). When the purchase information is input, the transaction brokerage system of the present invention determines whether the credit card selected by the buyer is an authenticated card (S1014).

As a result of the verification whether the buyer verification code has not been issued, or if it is determined that the validity period of the buyer verification code has passed even if it is determined as an authenticated card (S1016), the verification of the buyer whose validity period has passed If it matches the code, the transaction brokerage system arbitrarily divides the transaction price requested by the buyer, stores each divided amount as a safe amount in the database, and requests the affiliate server for approval of each divided amount. The affiliated agency server processes the divided amount (S1018). In this way, each divided amount requested to be authorized to the affiliated agency server is notified to the purchaser's address from the affiliated agency server (S1020).

Briefly, the divided amount approval method according to the present embodiment will be described below. For example, if the total transaction value of the goods / services to be purchased by the buyer is $ 300, and no valid buyer authentication code is issued for the credit card selected by the buyer as a payment method, the transaction brokerage system of the present invention may request The transaction amount is arbitrarily divided by n, for example, by dividing into two to generate a divided amount such as 129.58 and 170.42. Subsequently, approval is made through the affiliated agency server for each of the generated divided amounts. In the 'partial authorization amount' method, since the sum of the partial amounts is equal to the purchase price requested by the buyer, the above-mentioned 'small authorization amount' method is not charged for the small amount, whereas for each partial amount Claims and settlements are made.

When the buyer who is notified of the divided amount from the affiliated agency server is input in the same manner as the 'small approval amount' method (S1022), the transaction brokerage system of the present invention compares the stored divided approval amount with the amount entered by the buyer. , Verify (S1024). If the buyer fails to input the amount corresponding to the stored divided amount within a certain number of times as a result of the comparison and verification, the transaction may be canceled (S1026).

As a result of the verification of the divided amount (S1024), if the amount entered by the buyer matches the stored divided amount, the transaction brokerage system of the present invention issues a single or variable multiple buyer verification codes corresponding to the credit card number to the buyer terminal. , And transmits (S1028), if the buyer enters the issued buyer authentication code (S1030), it is verified (S1032) and the buyer authentication process is terminated.

When the purchaser authentication process is completed as described above, unlike the 'small approval amount' method shown in FIG. 8, since the sum of each approved partial amount matches the total transaction price requested by the buyer, the procedure for approval of the transaction price is separately performed. Not required. That is, when the purchaser authentication process is terminated when using the 'divided approval amount' method, the transaction brokerage system of the present invention is purchased to the terminal of the purchaser without a separate transaction approval step (S834 and S836 of FIG. 8). The invoice including the seller information and the seller authentication code for the corresponding transaction are respectively transmitted (S1034), and the seller server instructs the delivery of the goods / services requested by the buyer (S1036). After the delivery of goods / services (S1038), the delivery information input (S1040) step is the same as that shown in Figure 8, the step after delivery is also the same as that shown in Figure 9 will not be described in detail.

If the buyer requests the payment of the transaction amount with a credit card issued with a valid verification code, the same steps as the purchaser verification code input (S830) as shown in FIG. Transactions are made through procedures.

Meanwhile, FIGS. 8 and 10 illustrate a case in which a buyer authentication code is issued after a buyer selects a product / service through a safe amount approval (transfer amount approval or partial amount approval) procedure. However, in contrast to this, a method of obtaining a valid buyer authentication code through a pre-authentication process may be considered before a buyer actually purchases a product / service from a seller server. That is, before substantially purchasing a product / service, such as the above-described product / service selection (S810, S1010) and purchase information input (S812, S1012), the buyer arbitrarily accesses this brokerage system and receives a pre-buyer authentication code. 11 is a flowchart schematically illustrating a pre-purchaser authentication code issuing procedure according to a preferred embodiment of the present invention.

First, the buyer accesses a transaction brokerage system according to the present invention without actually selecting and purchasing goods / services (S1110). The transaction brokerage system shows the buyer authentication code issuing page corresponding to the credit card adopted as the payment method through the brokerage system to the buyer's terminal through the above-described web server, and the buyer enters the credit card information through the terminal ( S1112). Once credit card information is entered, the transaction brokerage system does not have a substantial transaction, but generates and stores any secure authorization amount (small authorization amount or partial authorization amount), and requests the affiliate institution server for authorization of the secured amount. The server processes the safe amount (S1114). In this way, the safety approval amount approved in the affiliated agency server is notified to the purchaser's address from the affiliated agency server (S1116). When the buyer notified of the safety approval amount is input (S1118), the transaction brokerage system of the present invention compares and verifies the stored divided approval amount and the amount input by the buyer (S1120). If the buyer fails to enter an amount that matches the stored divided amount within a certain number of times, the pre-certification procedure may be terminated (S1122), the verification result of the divided amount (S1024), and the amount entered by the buyer is stored. In accordance with the divided amount, the transaction brokerage system of the present invention issues and transmits a single or variable multiple buyer authentication code corresponding to the credit card number to the buyer terminal (S1124).

After the valid buyer verification code is issued, if the buyer selects the goods / services posted on the seller's server and selects the credit card issued with the verification code as the payment method, the buyer verification code is entered immediately without a separate secured amount authorization process. After verifying this, the buyer authentication process can be terminated.

As a result, in the present invention, after the purchaser authentication through the approval of the 'small amount' or 'split amount' and the buyer's request for the credit card selected by the buyer as a payment method in e-commerce, and the delivery of the goods / services requested by the buyer, the buyer The seller authentication code for the transaction sent to the transaction method comprising the step of transmitting to the seller.

In the above, a preferred embodiment of the present invention has been described, but this is merely to illustrate the present invention, but the present invention is not limited thereto.

Rather, it will be apparent to those skilled in the art that various modifications and variations can be readily made from the teachings herein. For example, although not explicitly shown in the drawings, the transaction information transmitter for transmitting the transaction information and the seller authentication code to the buyer terminal may be configured in the buyer authentication module.

However, it will be apparent from the appended claims that such variations and modifications fall within the scope of the present invention without departing from the spirit of the invention.

In the present invention, in the electronic commerce system through the card payment method or the method, it is configured to pre-authenticate whether or not the buyer who applied for an order to purchase goods / services is a true card holder.

Therefore, the seller can minimize the damage caused by the fraudulent order using the card information stolen by fraudulent order or hacking by theft card or counterfeit card.

The buyer also confirms the delivered goods / services and informs the seller of the verification code, and since the transaction amount can be paid to the seller only after the seller enters the code, the ordered goods / services are not delivered or advertised. If other quality goods / services are delivered, the transaction can be canceled immediately, ensuring the safety of the transaction.

In addition, once the purchaser is authenticated as a true cardholder by the system of the present invention, a separate authentication process is not required in transactions with all sellers who use the system of the present invention. As a result, it is convenient to use safe electronic commerce.

In particular, the system and method according to the present invention has the advantage that it can be applied uniformly and globally regardless of the nationality of the buyer and seller, the type of credit card.

Claims (23)

A transaction brokerage system connected to a buyer terminal, a seller server connected to the buyer terminal network, and an affiliated agency server that approves the purchase requested by the buyer terminal through a communication network. A transaction brokerage database for storing and managing seller information and transaction information requested by the buyer terminal; Request the approval of the security amount to the affiliated agency server, and store it, compare and verify the amount input from the buyer terminal and the stored security amount, and transmits and stores the buyer authentication code to the buyer terminal according to the verification result. And a buyer authentication means for comparing and verifying the password inputted from the buyer terminal and the stored buyer authentication code. Trading brokerage system comprising a. The method of claim 1, The transaction brokerage server further comprises a payment module for requesting the affiliated agency server to approve the transaction requested by the buyer terminal according to the verification result of the buyer authentication means. The method of claim 1, The transaction broker server transmits and stores the transaction information and the seller verification code to the buyer terminal according to the comparison and verification result of the buyer verification code, and compares and verifies the data input from the seller server and the stored seller verification code. A transaction brokerage system further comprising an authentication means. The method of claim 1, The transaction mediation server is a transaction information transmission unit for transmitting the transaction information and the seller authentication code to the buyer terminal according to the verification result of the buyer authentication means; And a seller authentication means for comparing and verifying the transmitted seller authentication code and data input from the seller server. The method of claim 1, The buyer authentication means further comprises a function for transmitting the transaction information and the seller authentication code to the buyer terminal according to the verification result of the buyer authentication code. The method of claim 5, The transaction brokerage server further comprises a seller authentication means for comparing and verifying the seller authentication code transmitted from the buyer authentication means to the buyer terminal and the data input from the seller server. The method according to any one of claims 1 to 7, or 4 to 6, The buyer authentication means is a buyer verification unit for requesting and storing the approval of the safe amount to the affiliated agency server, comparing and verifying the amount of money input from the buyer terminal and the stored safe amount; And a buyer authentication unit for issuing and managing a buyer authentication code to the buyer terminal according to a verification result of the buyer verification unit. The method of claim 7, wherein The buyer authentication means further comprises a buyer authentication confirmation unit for checking whether the buyer authentication code issued for the payment method selected by the buyer. The method according to any one of claims 3 to 4 or 6, The seller authentication means comprises a seller authentication code database for storing the seller authentication code sent to the buyer terminal; And a seller authentication unit for comparing and verifying the stored seller authentication code and data input from the seller server. The method of claim 9, The seller authentication unit comprises a seller authentication code verification unit for comparing and verifying the stored seller authentication code and the data input from the seller server, and the transaction brokerage system including a seller authentication code confirmation unit for confirming whether or not the data input from the seller server. Buyer terminal; A seller server connected to the purchaser terminal through a network; An affiliated agency server approving the purchase requested by the purchaser terminal; And A transaction brokerage system connected to the purchaser terminal, the seller server, and the affiliated agency server through a communication network, respectively. A transaction brokerage database for storing and managing seller information and transaction information requested by the buyer terminal; Request the approval of the security amount to the affiliated agency server, and store it, compare and verify the amount input from the buyer terminal and the stored security amount, and transmits and stores the buyer authentication code to the buyer terminal according to the verification result. And a transaction brokerage server including a buyer authentication means for comparing and verifying a password input from a buyer terminal and the stored buyer authentication code. Trading system comprising a. The method of claim 11, The buyer authentication means is a buyer verification unit for requesting and storing the approval of the safe amount to the affiliated agency server, comparing and verifying the amount of money input from the buyer terminal and the stored safe amount; And a buyer authentication unit for issuing and managing a buyer authentication code to the buyer terminal according to a verification result of the buyer verification unit. The method of claim 11, The transaction broker server transmits and stores the transaction information and the seller verification code to the buyer terminal according to the comparison and verification result of the buyer verification code, and compares and verifies the data input from the seller server and the stored seller verification code. A trading system further comprising an authentication means. The method of claim 11, The transaction mediation server is a transaction information transmission unit for transmitting the transaction information and the seller authentication code to the buyer terminal according to the verification result of the buyer authentication means; And a seller authentication means for comparing and verifying the transmitted seller authentication code and data input from the seller server. The method of claim 11, The buyer authentication means further comprises a function for transmitting the transaction information and the seller authentication code to the buyer terminal according to the verification result of the buyer authentication code. The method of claim 15, The transaction brokering server further comprises a seller authentication means for comparing and verifying the transmitted seller authentication code and the data input from the seller server. Buyer terminal; A seller server connected to the purchaser terminal through a network; An affiliated agency server approving the purchase requested by the purchaser terminal; And a transaction brokerage system connected to the purchaser terminal, a seller server, and an affiliated agency server through a communication network, and having a transaction brokerage server. (a) receiving purchase information from the buyer terminal selecting the goods or services posted on the seller server to the transaction brokerage system; (b) determining, by the transaction intermediation server, whether to issue a buyer verification code matching the credit card number included in the received purchase information; (c) if it is determined in step (b) that there is no buyer authentication code, generating and storing a safe amount by the transaction intermediation server; (d) requesting approval for the generated safe amount from the transaction intermediation server to the affiliated agency server; (e) approving the secured amount by the affiliated agency server and notifying the approved secured amount to a purchaser's address; (f) inputting an amount into the transaction brokerage system from the purchaser terminal; (g) comparing and verifying the security amount stored by the transaction intermediation server and the amount input from the purchaser terminal; (h) issuing and storing a buyer authentication code to the buyer terminal by the transaction intermediation server according to the verification result of step (g); (i) inputting a password from the buyer terminal to the transaction brokerage system; And (j) comparing and verifying a buyer authentication code stored by the transaction intermediation server and a password input from a buyer terminal; Transaction brokerage method comprising a. The method of claim 17, And the notification of step (e) is performed by SMS or by buyer's e-mail. The method according to any one of claims 17 or 18, The security amount generated in the step (c) is a transaction arbitration method, characterized in that the amount arbitrarily divided by the purchase amount received from the buyer terminal. The method according to any one of claims 17 or 18, The secured amount generated in the step (c) is the amount of the amount less than the purchase amount received from the purchaser terminal. The method of claim 17, After the step (j) (k) further comprising the step of transmitting the purchase information and the seller authentication code by the transaction brokerage server to the buyer terminal according to the verification result of the step (j). The method of claim 21, After the step (k), if the item requested by the buyer is delivered according to the verification result of the step (j), the seller authentication code is transmitted from the buyer terminal to the seller server, and (m) the And inputting data from a seller server and comparing and verifying the input data and the transmitted seller authentication code. Buyer terminal; An affiliated agency server approving the purchase requested by the purchaser terminal; And a transaction intermediation system connected to the purchaser terminal and the affiliated agency server through a communication network, the transaction intermediation system including a transaction intermediation server. (a) inputting credit card information from the purchaser terminal to the transaction brokerage system; (b) generating and storing a safe amount by the transaction intermediation server; (c) requesting approval for the generated safe amount from the transaction intermediation server to the affiliated agency server; (d) approving the security amount by the affiliated agency server and notifying the authorized security amount to a purchaser's address; (e) inputting an amount into the transaction brokerage system from the purchaser terminal; (f) comparing and verifying the security amount stored by the transaction intermediation server and the amount input from the purchaser terminal; (g) issuing and storing a buyer authentication code matching the credit card to the buyer terminal by the transaction intermediation server according to the verification result of step (f). Transaction brokerage method comprising a.

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