KR100674801B1 - Method of post-Pay e-commerce using wireless handset - Google Patents

Abstract

According to the present invention, a user downloads a cyber coin from a bank using a wireless terminal, and if the ordered product is delivered, checks whether the product is damaged or not, and then connects a short-range wireless communication network (bluetooth or iRDA) through the wireless terminal. The present invention relates to a post-payment e-commerce providing method using a wireless terminal that pays a coin. When the cyber banking system requests a cyber coin download from a consumer wireless terminal, the customer checks the account number input from the consumer, and inputs from the consumer. Performing a balance check and authentication on the account of the consumer based on the downloaded download amount and the password, and transmitting the requested cyber coin to the wireless terminal of the consumer; A second step of storing, by the consumer's wireless terminal, the cyber coin transmitted from the cyber banking system; A third method of connecting the consumer's wireless terminal to the seller's wireless terminal after connecting the seller's wireless terminal to the seller's wireless terminal through wireless short-range communication according to a purchase of a product, and then transmitting the cyber coin corresponding to the payment amount requested from the seller's wireless terminal; Steps.

E-Commerce, Postpay, Wireless Terminal, Bluetooth, Wireless Infrared Communication

Description

Post-paid e-commerce using wireless terminal {Method of post-Pay e-commerce using wireless handset}             

1 is an exemplary configuration diagram of an electronic commerce system to which the present invention is applied.

2 is a flowchart illustrating an embodiment of a cyber coin download process according to the present invention.

Figures 3a and 3b is an embodiment flow diagram for the order and payment process of postpaid e-commerce according to the present invention.

* Explanation of symbols for the main parts of the drawings

110: consumer wireless terminal 120: wireless communication network

130: bank 140: shopping mall

150: courier company 160: wireless terminal of the deliveryman

The present invention relates to a post-paid electronic commerce providing method using a wireless terminal and a computer-readable recording medium recording a program for realizing the method, and in particular, the user of the wireless terminal pays a postpaid fee when purchasing goods through electronic commerce. A method of providing an electronic commerce service and a computer readable recording medium having recorded thereon a program for realizing the method.

Conventionally used payment methods are as follows.

First, as a method of depositing a bank account, a purchase is made by a customer depositing a commodity price into a bank account number of a shopping mall.

Secondly, the credit card payment method, which is the most commonly used payment method in a shopping mall, is settled by a customer entering a credit card number, an expiration date or a password in a web bill.

Third, in the form of account transfer, this means that the money is electronically deposited from the customer's account to the shopping mall account. These include telebanking, PC banking, and internet banking.

Fourth, an electronic wallet payment method is a method of making a payment to an internet business using an electronic wallet installed on a customer's computer. Customers who have an electronic wallet installed and certified can place their orders as quickly and securely as long as the Internet wallet is available.

As such, the conventional payment method is a method of paying in advance before receiving the goods. However, the prepayment method has a problem that many Internet users are reluctant to check the product. In addition, the most commonly used payment method, the credit card method has a problem that there is a concern of the cardholder's credit information, that is, the card number, expiration date, their personal information exposure and illegal theft.

The present invention has been made in order to solve the above problems, the user downloads a cyber coin from the bank using a wireless terminal, if the ordered goods are delivered, check whether there is damage or authenticity of the wireless terminal after the wireless terminal The purpose of the present invention is to provide a post-paid electronic commerce providing method using a wireless terminal that pays cyber coins by connecting a local wireless communication network (bluetooth or iRDA) and a computer-readable recording medium recording a program for realizing the method. .

In order to achieve the above object, the present invention provides a post-payment e-commerce using a wireless terminal, when the cyber banking system is requested to download the cyber coin from the consumer wireless terminal, and confirms the customer with respect to the account number input from the consumer A first step of performing balance check and authentication on the account of the consumer based on the download request amount and password input from the consumer, and then transmitting the requested cyber coin to the wireless terminal of the consumer; A second step of storing, by the consumer's wireless terminal, the cyber coin transmitted from the cyber banking system; A third method of connecting the consumer's wireless terminal to the seller's wireless terminal after connecting the seller's wireless terminal to the seller's wireless terminal through wireless short-range communication according to a purchase of a product, and then transmitting the cyber coin corresponding to the payment amount requested from the seller's wireless terminal; Steps.

In addition, the present invention, when the cyber banking system is requested to download the cyber coin from the consumer wireless terminal, the processor checks the customer against the account number entered from the consumer, and based on the download request amount and password input from the consumer Performing a balance check and authentication on the account of the consumer, and then transmitting the requested cyber coin to the consumer's wireless terminal; A second step of storing, by the consumer's wireless terminal, the cyber coin transmitted from the cyber banking system; A third method of connecting the consumer's wireless terminal to the seller's wireless terminal after connecting the seller's wireless terminal to the seller's wireless terminal through wireless short-range communication according to a purchase of a product, and then transmitting the cyber coin corresponding to the payment amount requested from the seller's wireless terminal; A computer readable recording medium having recorded thereon a program for realizing the steps is provided.

According to the present invention, when a user of a wireless terminal wants to purchase a desired product while shopping on an e-commerce site using the wireless terminal, the product is delivered after storing the cyber coin downloaded from the bank in the wireless terminal and ordering the corresponding product. If the product is damaged, check the authenticity of the product after the wireless terminal using the local wireless communication network to pay the cyber coins directly to the terminal of the delivery method for the post-payment method of electronic commerce.

In the present invention, the subject providing the cyber coin to the user of the wireless terminal is a cyber banking system, and wirelessly connected to the wireless terminal used by the customer according to the customer's request to download the cyber coin requested by the customer to the wireless terminal, the user The downloaded cyber coin is delivered to the deliverer's wireless terminal using the local area network.

BACKGROUND OF THE INVENTION 1. Field of the Invention [0001] The present invention relates to a method of post-paying a commodity price in an electronic commerce using a wireless terminal such as cellular communication, next generation wireless communication (IMT-2000), and personal communication system (PCS), particularly wireless using cyber coins. It relates to a direct payment method between terminals.

The above objects, features and advantages will become more apparent from the following detailed description taken in conjunction with the accompanying drawings. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is an exemplary configuration diagram of an electronic commerce system to which the present invention is applied.

In order to solve the above problems in the prior art, the present invention provides a wireless communication network 120 and a bank that pays cyber coins, that is, a cyber banking system 130, a Bluetooth chip or a wireless infrared communication which can form a wireless LAN. (iRDA: Infrared Data Association) is made in a postpaid e-commerce system composed of a wireless terminal 110 equipped with a chip. Here, the electronic commerce shopping mall 140, the courier company 150 and the delivery terminal wireless terminal 160 is further provided. Figure 1 shows the configuration of this system.

The terminal 110 of the consumer is a wireless terminal, which is a terminal in which a Bluetooth chip or an iRDA chip is capable of short-range wireless LAN communication.

The cyber banking system 130 is a system for processing cyber coins of a bank in which a consumer's account is opened, and is linked with a wireless network.

The e-commerce shopping mall 140 is a shopping mall website for ordering goods by a consumer, and has a processing module for searching for and ordering goods and delivers customer order information to the logistics system of the courier company 150.

The terminal 160 of the courier company delivery person is a terminal in which a Bluetooth chip or an iRDA chip is embedded, which enables short-range wireless LAN communication as well as a terminal of a consumer.                     

2 to 3b is a flowchart illustrating an embodiment of a method for providing postpaid e-commerce using a wireless terminal according to the present invention.

2 is a flowchart illustrating an embodiment of a cyber coin download process according to the present invention.

2 is a diagram illustrating a cyber coin download procedure, in which a consumer accesses a cyber banking system of a bank having an account and downloads cyber coins.

First, the cyber banking system 130 receives a connection from the consumer terminal 110 (201).

The cyber banking system 130 receives an account number from the terminal 110 (202) and determines whether an account number exists in a database for customer confirmation (203).

As a result of determination, if there is no account number, the consumer terminal 110 notifies that the account is wrong and requests retransmission of the account number (204). Then, the process is repeated from step 202 of receiving an account number.

As a result of the determination, if the account number is in the database, an amount of money to be paid from the consumer's terminal 110 is received (205), and it is checked whether it is a possible amount (206).

As a result of confirmation, the cyber banking system 130 notifies the consumer if the amount is not payable and requests retransmission from the consumer terminal 110 to receive the payment amount (207). Then, the process repeats the process of receiving the payment amount (205).

As a result of the check, if the payment is possible, the terminal 110 transmits a password to the consumer terminal 110 and receives the password (208).

The cyber banking system 130 checks whether the received password is correct (209), and if the password is incorrect, transmits the password retransmission to the terminal 110 of the consumer (210), and repeats the process of receiving the password (208). .

As a result of checking whether the received password is correct, if the password is correct, the cyber coin corresponding to the payment is transmitted to the consumer terminal 110 (211).

In the above embodiment, both confirmation and transmission were made between the terminal 110 and the cyber banking system 130 of the consumer, but the consumer confirmation is not through the terminal 110, but using a computer or another terminal connected to the network. The cyber coin payment may be delivered to the terminal requested by the consumer.

3A and 3B are an embodiment flowchart of an order and payment process of postpaid e-commerce according to the present invention.

First, the consumer accesses his bank 130 and downloads a certain amount of cyber coins from the account to the terminal 110. This procedure may be performed after the goods have been ordered. However, if possible, it is a good idea to know in advance which cybercoins you can download before ordering products. This is presented through the description of FIG. 2.

Then, the consumer accesses the shopping mall 140 to order the desired product. At this time, the shopping mall system 140 stores the order of the consumer in a database (DB: DataBase) and informs the courier company 150 of the details.

The courier company 150 that has received the delivery instruction delivers the corresponding goods to the purchase customer in the warehouse.

After receiving the product, the customer checks whether the product matches his order and whether there is no defect in the product, and if there is no defect, enters the corresponding amount in his terminal 110, and then the wireless terminal 160 of the deliveryman. After connecting to the wireless LAN and transmits the goods price.

The deliveryman checks whether the corresponding amount is properly transmitted to his terminal 160. If the amount is not enough, the shortage is requested to be resent, and if it is sent correctly, the transaction is completed.

This will be described according to the flow shown in the drawings.

First, the consumer requests a bank coin download from the bank 130 (310).

The bank 130 checks the balance (320), if there is no balance notifies that there is no balance and ends.

As a result of checking whether the balance is in the bank 130, if there is a balance, the requested amount is transferred to the terminal 110 of the consumer, so that the requested amount is downloaded from the terminal 110 of the consumer (330).

After the consumer downloads the request amount through the terminal 110, the consumer selects and orders the product in the shopping mall 140 (340).                     

The shopping mall 140 transmits the order information to the courier company 150 (350), and the courier company 150 instructs the delivery person to deliver the goods (360).

The deliveryman of the courier company 150 checks the corresponding goods in the warehouse and delivers the goods to the consumer (370).

After receiving the product, the consumer checks the order history such as whether the item is the same as the ordered product or not (380).

If the check result is different from the order, the return is requested and returned (385).

As a result of the confirmation, if the order is the same as the wireless terminal 110 with the terminal 110 of the consumer and the delivery member 160 is formed 390, and transmits the corresponding amount to the terminal 160 of the delivery member (392).

The amount of money delivered to the deliveryman's terminal 160 is checked (394), and if the amount is not correct, the consumer requests a shortage (396). Then, the process repeatedly transmits the corresponding amount from the terminal 110 of the consumer to the terminal 160 of the delivery person (392).

As a result of confirming the amount of money delivered to the terminal 160 of the deliveryman, if the amount is correct, the e-commerce process was performed, so the process is terminated.

In the above embodiment, the payment was made by connecting the delivery terminal wireless terminal and the wireless LAN to deliver the cyber coin, but it is also possible to deliver the cyber coin by forming a wireless LAN with other posts in addition to the delivery terminal wireless terminal.

The present invention described above is not limited to the above-described embodiments and the accompanying drawings, and various substitutions, modifications, and changes can be made without departing from the technical spirit of the present invention. It will be apparent to those of ordinary skill in Esau.

The present invention as described above, the wireless terminal user can solve the purchase anxiety due to prepayment when ordering the product on the e-commerce site, and reduce the processing burden for the customer's return to the e-commerce site operators, furthermore Introducing this method as a payment method of electronic commerce has an effect that can greatly activate electronic commerce.

In addition, the present invention, a consumer using a wireless terminal equipped with a Bluetooth chip or an iRDA chip, and checks the price after confirming the damage to the goods ordered when purchasing the goods through electronic commerce, differences between the order details, etc. Paying has the effect of safer shopping.

Looking at this in more detail has the following effects.

First, it is possible to protect personal information that is easy to leak during transactions through credit cards.

Second, in the case of prepaid e-commerce, there is no need to worry about the goods not being delivered after payment.

Third, there is no need to worry about the damage of goods by paying the price after confirming whether the goods are damaged.

Fourth, in the case of a shopping mall, since the consumer pays the price after confirming the damage, the retailer can reduce the distribution and management costs by preventing the customer's return or complaint.

Therefore, when using the present invention, the consumer can order the product more safely due to the above points, the shopping mall operating company has the effect of enabling the activation of e-commerce as a whole by increasing the more efficient management and consumer confidence.

Claims (6)

In the postpay electronic commerce providing method using a wireless terminal, When the cyber banking system is requested to download the cyber coin from the consumer wireless terminal, the customer confirms the account number input from the consumer and checks the balance of the account of the consumer based on the download request amount and password input from the consumer. A first step of transmitting the requested cyber coin to the wireless terminal of the consumer after performing authentication with the mobile station; A second step of storing, by the consumer's wireless terminal, the cyber coin transmitted from the cyber banking system; A third method of connecting the consumer's wireless terminal to the seller's wireless terminal after connecting the seller's wireless terminal to the seller's wireless terminal through wireless short-range communication according to a purchase of a product, and then transmitting the cyber coin corresponding to the payment amount requested from the seller's wireless terminal; step Postpaid electronic commerce providing method using a wireless terminal comprising a. The method of claim 1, The first step is, Receiving, by the cyber banking system, an account number from the wireless terminal of the consumer to perform verification on the customer; Confirming whether or not the download amount of money requested by the consumer terminal exists in the account number of the customer, and performing authentication by receiving a password from the wireless terminal of the consumer; And If the authentication is successful, transmitting the cyber coin of the requested amount to the wireless terminal of the consumer. Postpaid electronic commerce providing method using a wireless terminal comprising a. delete delete delete On the processor, When the cyber banking system is requested to download the cyber coin from the consumer wireless terminal, the customer confirms the account number input from the consumer and checks the balance of the account of the consumer based on the download request amount and password input from the consumer. A first step of transmitting the requested cyber coin to the wireless terminal of the consumer after performing authentication with the mobile station; A second step of storing, by the consumer's wireless terminal, the cyber coin transmitted from the cyber banking system; A third method of connecting the consumer's wireless terminal to the seller's wireless terminal after connecting the seller's wireless terminal to the seller's wireless terminal through wireless short-range communication according to a purchase of a product, and then transmitting the cyber coin corresponding to the payment amount requested from the seller's wireless terminal; step A computer-readable recording medium having recorded thereon a program for realizing this.

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