KR100684609B1 - Method paying small money by using of internet electronic commerce system - Google Patents

Abstract

The present invention relates to a method for payment of a small amount of money related to e-commerce, and in particular, a mobile carrier sets a small monthly use amount for a customer of a mobile carrier, and a consumer can purchase a product at the limit. The present invention relates to a micropayment method using an internet e-commerce system that pays with a communication fee.

According to the present invention, the micropayment method includes: (a) A consumer is provided to the Internet through a personal terminal in a consumer system that is given a limit of the amount available for electronic commerce and is given a unique customer number that matches the consumer's mobile communication device number. Making an order for purchasing a product after connecting; (b) after receiving an order signal for a product purchase including a unique customer number from the consumer system in the web system, transmitting the signal to the communication system, using the customer number included in the order signal in the communication system. Searching for a matching mobile communication device number, and then communicating with the mobile communication device of the consumer system to transmit a confirmation request signal of a product order including a product order number; (c) a consumer transmitting a confirmation signal corresponding to the product order confirmation request signal to the web system using a mobile communication device of the consumer system; (d) transmitting the confirmation signal received by the web system to a supply system, the supply system receiving the confirmation signal to confirm an ordered product and then supplying the ordered product to the consumer system; (e) after supplying the goods, the supply system transmits a payment request signal to the web system, the received web system transmits to the communication system, and the communication system transmits the payment to the mobile communication device of the consumer system. Transmitting a payment request signal; (f) checking the payment request signal received by the consumer system and transmitting a signal for approving the payment through the mobile communication device to the communication system; (g) collecting, by the communication system, a small amount of electronic commerce payment by piggybacking on payment of a communication service fee after receiving the payment approval signal; And (h) paying the goods price for the web system and the supply system with the collected price by the communication system; Characterized in that it comprises a.

Small payment

Description

Method paying small money by using of internet electronic commerce system}

1 is a view showing the flow of a first embodiment of a small payment method according to the present invention.

2 is a view showing the flow of a second embodiment of a micropayment method according to the present invention.

3 is a diagram illustrating a flow of transactions when a product to be purchased by a consumer is a digital product in the micropayment method according to the present invention.

Explanation of symbols on the main parts of the drawings

10: web system 20: consumer system

30: communication system 40: supply system

50: logistics system 60: financial system

The present invention relates to a telecommunication company's micropayment method for electronic commerce, in particular, the telecommunication company sets a small monthly usage for the customer of the telecommunication company and the consumer can purchase goods at the limit, the price for this The present invention relates to a micropayment method using an internet e-commerce system that pays along with the payment.

Electronic commerce is a new concept of commerce that means that all processes of goods and services are carried out using electronic means and techniques. The concept of e-commerce began to spread with the emergence of the virtual market called the electronic shopping mall of the Internet, which brought a lot of changes to the business environment of existing companies. In other words, consumers can buy the products they want regardless of time and place, and companies can do business regardless of time and place.

Such e-commerce can reduce the distribution stage between consumers and producers in the enterprise and industry side, thereby improving price competitiveness, lowering the price of products by reducing distribution costs and operating costs such as building rents, and increasing corporate flexibility. It brings about the qualitative change of the trading target of the transaction, which can increase the transaction on intangible goods and services, and on the consumer side, the consumer has the effect of being able to purchase regardless of time and place. On the side, it helps to solve traffic jams and parking shortages, and to spread the mind of information in various parts of society.

Despite the various effects of electronic commerce mentioned above, there is a problem that a safe and convenient transaction means is not established in the final payment of electronic commerce, except for the physical process of delivery of goods. In other words, as an online payment method through the Internet, a method of using an existing payment system such as a credit card and an electronic check and a new payment method such as electronic money have been proposed. However, in using these systems, security and convenience The problem remains. Consumers are seriously inconvenient about this because many institutions have to settle the payment for the purchase price of goods through electronic commerce.

 In order to activate electronic commerce, electronic banking must be realized, and electronic banking has a function of completing electronic settlement of electronic commerce.

It is an object of the present invention to provide a micropayment method using an internet e-commerce system for the purpose of conveniently purchasing small commodities on the Internet.

In order to realize the above object, the present invention,
Internet electronic commerce including consumer systems including personal terminals and mobile communication devices connected to the Internet, web systems for total control of Internet e-commerce, communication systems for controlling mobile communication networks, and supply systems for selling goods to consumers. In the small payment method using the system,
(a) An order for a purchase of a product is made after a consumer connects to the Internet through a personal terminal in a consumer system that is given a limit on the amount of money available for electronic commerce and has a unique customer number that matches the consumer's mobile device number. Doing;
(b) after receiving an order signal for a product purchase including a unique customer number from the consumer system in the web system, transmitting the signal to the communication system, using the customer number included in the order signal in the communication system. Searching for a matching mobile communication device number, and then communicating with the mobile communication device of the consumer system to transmit a confirmation request signal of a product order including a product order number;
(c) a consumer transmitting a confirmation signal corresponding to the product order confirmation request signal to the web system using a mobile communication device of the consumer system;
(d) transmitting the confirmation signal received by the web system to a supply system, the supply system receiving the confirmation signal to confirm an ordered product and then supplying the ordered product to the consumer system;
(e) after supplying the goods, the supply system transmits a payment request signal to the web system, the received web system transmits to the communication system, and the communication system transmits the payment to the mobile communication device of the consumer system. Transmitting a payment request signal;
(f) checking the payment request signal received by the consumer system and transmitting a signal for approving the payment through the mobile communication device to the communication system;
(g) collecting, by the communication system, a small amount of electronic commerce payment by piggybacking on payment of a communication service fee after receiving the payment approval signal; And
(h) paying the goods price for the web system and the supply system with the collected price by the communication system; Provides a small payment method using the Internet e-commerce system comprising a.

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In addition, the present invention to realize the above object,
Consumer systems including personal terminals and mobile communication devices connected to the Internet, Web systems for controlling Internet e-commerce, Communication systems for controlling mobile communication networks, Supply systems for supplying goods to consumers, Linkage with the web systems In the micropayment method using the Internet e-commerce system including the financial system,
(a) An order for a purchase of a product is made after a consumer connects to the Internet through a personal terminal in a consumer system that is given a limit on the amount of money available for electronic commerce and has a unique customer number that matches the consumer's mobile device number. Doing;
(b) after receiving an order signal for a product purchase including a unique customer number from the consumer system in the web system, transmitting the signal to the communication system, using the customer number included in the order signal in the communication system. Searching for a matching mobile communication device number, and then communicating with the mobile communication device of the consumer system to transmit a confirmation request signal of a product order including a product order number;
(c) a consumer transmitting a confirmation signal corresponding to the product order confirmation request signal to the web system using a mobile communication device of the consumer system;
(d) transmitting the confirmation signal received by the web system to a supply system, the supply system receiving the confirmation signal to confirm an ordered product and then supplying the ordered product to the consumer system;
(e) A consumer transmits a purchase decision signal for an ordered product to a web system, and the web system transmits a payment signal for an item price to the financial system according to the signal, and the financial system receiving the payment system sends the signal to the supply system. Prepayment of the amount;
(f) the financial system transmits a prepaid payment request signal to the web system, the web system transmits the payment request signal to a communication system, and the communication system piggybacks on payment of a communication fee Collecting the e-commerce price of the; And
(g) the communication system paying the goods price to the web system and the financial system at a collected price; Provides a small payment method using the Internet e-commerce system comprising a.

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1 is a view showing the flow of a first embodiment of a small payment method according to the present invention. As shown in FIG. 1, the small payment method according to the present invention is a useful payment method when a consumer mainly wants to purchase a small amount of goods through the Internet. For example, if a consumer wants to purchase a product of 100,000 won or less, and purchases a product using a card issued by a telecommunications operator, which is a communication system (30), the bill is not only charged for the communication fee but also a small amount in the bill for communication use. It is also a method of billing for the purchase of goods.

 A consumer system 20, a personal communication device 25, a web system 10, a carrier system 30, and a provider system 40. The consumer system 20 refers to a consumer who purchases a desired product through an Internet e-commerce, the personal communication device 25 refers to a mobile phone of a consumer, and the web system 10 uses a micropayment method according to the present invention. It is a system for overall control, and the carrier system 30 refers to a carrier that performs a communication business, and the supplier system 40 refers to a supplier who supplies goods to the consumer.

According to the micropayment method according to the present invention, a telecommunications operator, which is a communication system 30, sets a monthly use amount (small amount) for a customer who uses the communication service, and the customer's communication number (for example, The customer number is registered and matched with the telephone number), and the customer card recorded therein is issued to the customer 20, which is the customer. The customer card records the customer's attributes such as the customer's credit status, the customer's age, etc., and the limit of the credit transaction.

The carrier 30 also charges the amount of money spent by the consumer 20 when the customer charges the monthly communication fee, and the provider 40 has an ID and a password of the supplier and uses it to confirm the monthly payment amount. Can be. At this time, the consumer 20 also pays the amount generated through the electronic commerce by the payment method of the existing communication fee. For example, if the consumer 20 is paying the telecom bills, he / she can pay the amount incurred by the e-commerce along with the telecom bills. You can also pay the amount. The service provider 30 may increase the monthly usage limit only for customers with good credit. For example, if the maximum amount that the consumer 30 can trade through e-commerce is 100,000 won per month, the limit may be increased to 200,000 won or 300,000 won for the superior customer. In addition, the micropayment method according to the present invention can confirm the amount used and the amount used on the screen or the web of the mobile communication device 25 of the consumer.

Referring to the transaction flow of the micropayment method according to the present invention.

1. After the consumer accesses the web system 10 according to the present invention via the Internet, the customer number is entered in the customer number input window. Then, a consumer who wants to purchase a product, after shopping on the web, orders the product, confirms the order, and receives an order number from the web system 10 for the product that matches the product. In the small payment method according to the present invention, payment for the price of the product cannot be directly processed on the web system 10.

2. The web system 10 transmits to the communication system 30 an order number and order details matching the goods ordered by the consumer.

3. The telecommunication company, the communication system 30, transmits a request signal for payment for the order of the product to the mobile communication device 25 of the consumer. The request signal for payment includes the amount of the ordered product and the order number. The consumer 20 makes a payment using the mobile communication device 25.

4. The communication system 30 transmits the payment signal received from the consumer 20 to the web system 10.

5. The web system 10 delivers order data from the consumer to the supply system 40. If the supply system does not directly deliver the goods to be ordered to the consumer but the logistics company, which is the logistics system 50, is separate, the order data is also delivered to the logistics company, which is the logistics system 50.

6. The supplier, supply system 40, supplies the consumer with the goods to be ordered, either directly or through a logistics company, logistics system 50.

7. The consumer 20 confirms that the product to be purchased is properly delivered, and delivers the order number corresponding to the product to be ordered to the supplier who is the supply system 40.

8. The supplier, the supply system 40, accesses the web system 10, enters the ID and the password of the supplier, and inputs the order number in the input window to request payment.

9. The web system 10 transmits the payment data received from the provider to the telecommunication company which is the communication system 30.

10. The communication system 30 may request the customer's mobile communication device 25 to reconfirm the payment.

11. The consumer confirms the payment for the order.

12. The communication system 30 transmits a payment confirmation signal sent from the consumer to the web system 10. In this case, the supplier can make a history inquiry.

13. Collect the e-commerce price by piggybacking on the billing system for the communication usage fee of the communication system (30).

14. The purchase price is paid to the supplier who is the web system 10 and the supply system 40 at the collected price.

2 is a view showing the flow of a second embodiment of a micropayment method according to the present invention. As shown in Fig. 2, the micropayment method of the second embodiment according to the present invention further includes a financial system 60, which is a financial institution such as a bank, in the micropayment method of the first embodiment. According to Embodiment 2, when a consumer requests to purchase a small amount of goods through the Internet, the financial system 60 makes a prepayment to a supplier who is a supply system 40. That is, when a consumer requests a purchase of a small amount of goods through the web system 10, a communication service provider, which is a communication system 30, receives a confirmation signal of the purchase from the consumer, and the consumer receives a confirmation signal from a supplier who is a supply system 40. After the product has been satisfactorily supplied, the consumer sends a signal to the web system 10 for satisfactory delivery of the product, and the web system 10 signals the supplier to pay the supplier the amount. ), And the financial system 60 having received this signal prepays the amount to the supply system 40. In this case, the supplier, the supply system 40, is responsible for the financial expenses incurred such as interest.

3 is a diagram illustrating a flow of transactions when a product to be purchased by a consumer is a digital product in the micropayment method according to the present invention.

As shown in FIG. 3, when a product that a consumer intends to purchase is a text file, a music file, an image file, etc. (hereinafter referred to as a "digital product") downloaded through the Internet, the following transaction flow There is a characteristic.

1. The consumer 20 shops for a digital product to purchase on the web system 10 and then orders and confirms it.

2. The consumer 20 pays for the digital goods purchase through the mobile communication device 25 as in the first and second embodiments.

3. The content provider on the web system 10 supplies the digital goods directly to the consumer via the web system 10. That is, unlike the case of the first and second embodiments, the supplier of the digital goods, the supply system 40, does not deliver the goods to the place where the consumer wants to supply the goods, and the consumer 20 does not have a web system. The digital goods may be directly downloaded through the 10 or the digital goods may be downloaded through the mobile communication device 25.

4. After the supply is completed, the mobile communication device 25 of the consumer sends a confirmation signal of the payment.

5. The consumer 20 confirms the payment to the mobile communication device 25 after confirming the supplied goods. However, if there is no confirmation call of the consumer 20 even after a certain time has elapsed, the payment is regarded as settlement.

As described above, according to the present invention, when a consumer using a communication device wants to purchase a small amount of goods through the Internet, the consumer can conveniently pay the amount generated due to the electronic commerce along with the communication fee. It is possible to make payments, and also to accurately receive and pay for the goods, and to prevent the leakage of security and personal information by the transaction flow. The telecommunications company also provides excellent customers with a service that allows them to purchase goods under a certain limit, thereby allowing more consumers to join the telecommunications company, and the provider has the effect of increasing the delivery of goods and bringing more profits. The effects are divided as follows.                     

end. Simple, secure and accurate ordering

You can enter your membership card number and order products on the web, and order the actual order after receiving the message from the registered communication device, and then order it, and prevent personal information leaks and false orders without your identity. ,

I. Realize stable e-commerce on the Internet

Due to the receipt of the order number for the product ordered by the consumer, there is a procedure of checking only the shopping article on the web, and the payment method for the confirmed shopping article is a message of requesting the order product number and the payment request to the registered mobile communication device. Send a message of payment, send a supply signal to the supplier, data about the transaction to the mobile carrier, and then if the supplier has supplied a stable product, the supplier receives from the consumer at the supplier's terminal. Under the micropayment system according to the present invention, by entering an order number and requesting a payment agency from a mobile carrier, a consumer can reliably make e-commerce on the Internet.

All. Realize the stability and accuracy of order receipt

The price paid by the consumer is automatically entered after the confirmation signal of the consumer is input again after the signal that the supplier has supplied the goods correctly to the consumer, and the price is automatically settled, so that the consumer can realize the stability and accuracy of the receipt of the ordered product.

la. Prevention of false orders and prevention of processing transactions

Since the buyer of the product is a user of the mobile communication device, the false order can be prevented, thereby preventing the processing transaction.                     

While preferred embodiments of the present invention have been described using specific terms, such descriptions are for illustrative purposes only and are understood that various changes and changes may be made without departing from the spirit and scope of the following claims. Should be done.

Claims (13)

Internet electronic commerce system including a consumer system including a personal terminal and a mobile communication device connected to the Internet, a web system for controlling Internet e-commerce, a communication system for controlling a mobile communication network, and a supply system for supplying goods to consumers. In the small payment method using (a) An order for a purchase of a product is made after a consumer connects to the Internet through a personal terminal in a consumer system that is given a limit on the amount of money available for electronic commerce and has a unique customer number that matches the consumer's mobile device number. Doing; (b) after receiving an order signal for a product purchase including a unique customer number from the consumer system in the web system, transmitting the signal to the communication system, using the customer number included in the order signal in the communication system. Searching for a matching mobile communication device number, and then communicating with the mobile communication device of the consumer system to transmit a confirmation request signal of a product order including a product order number; (c) a consumer transmitting a confirmation signal corresponding to the product order confirmation request signal to the web system using a mobile communication device of the consumer system; (d) transmitting the confirmation signal received by the web system to a supply system, the supply system receiving the confirmation signal to confirm an ordered product and then supplying the ordered product to the consumer system; (e) after supplying the goods, the supply system transmits a payment request signal to the web system, the received web system transmits to the communication system, and the communication system transmits the payment to the mobile communication device of the consumer system. Transmitting a payment request signal; (f) checking the payment request signal received by the consumer system and transmitting a signal for approving the payment through the mobile communication device to the communication system; (g) collecting, by the communication system, a small amount of electronic commerce payment by piggybacking on payment of a communication service fee after receiving the payment approval signal; And (h) paying the goods price for the web system and the supply system with the collected price by the communication system; Small payment method using the Internet e-commerce system comprising a. delete delete delete delete delete delete delete delete delete delete delete Consumer systems including personal terminals and mobile communication devices connected to the Internet, Web systems for controlling Internet e-commerce, Communication systems for controlling mobile communication networks, Supply systems for supplying goods to consumers, Linkage with the web systems In the micropayment method using the Internet e-commerce system including the financial system, (a) An order for a purchase of a product is made after a consumer connects to the Internet through a personal terminal in a consumer system that is given a limit on the amount of money available for electronic commerce and has a unique customer number that matches the consumer's mobile device number. Doing; (b) after receiving an order signal for a product purchase including a unique customer number from the consumer system in the web system, transmitting the signal to the communication system, using the customer number included in the order signal in the communication system. Searching for a matching mobile communication device number, and then communicating with the mobile communication device of the consumer system to transmit a confirmation request signal of a product order including a product order number; (c) a consumer transmitting a confirmation signal corresponding to the product order confirmation request signal to the web system using a mobile communication device of the consumer system; (d) transmitting the confirmation signal received by the web system to a supply system, the supply system receiving the confirmation signal to confirm an ordered product and then supplying the ordered product to the consumer system; (e) A consumer transmits a purchase decision signal for an ordered product to a web system, and the web system transmits a payment signal for an item price to the financial system according to the signal, and the financial system receiving the payment system sends the signal to the supply system. Prepayment of the amount; (f) the financial system transmits a prepaid payment request signal to the web system, the web system transmits the payment request signal to a communication system, and the communication system piggybacks on payment of a communication fee Collecting the e-commerce price of the; And (g) the communication system paying the goods price to the web system and the financial system at a collected price; Small payment method using the Internet e-commerce system comprising a.

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