KR20000030531A - Settlement method of internet commercial transaction and the system - Google Patents

Abstract

PURPOSE: A settling method and apparatus in internet commercial transaction is provided to increase a reliability of a settlement by buying goods in an internet store and settling a goods buying money using an ARS of a settling payment company on an internet. CONSTITUTION: A user terminal(10) connects an internet store(30) through an internet network (20) using a communication web browser. A main server(31) manages users connected through the internet network(20) and transmits a goods information data to an approved user. An ARS connecting server(32) is connected to a corresponding settling payment company ARS(41) when the user settles a money, and converts a settling data into an ARS data to provide the converted ARS data to an ARS(41) of a settling payment company. The ARS connecting server(32) converts an audio data provided from the ARS(41) into a character data to provide the converted character data to the user. A user data unit(33) stores and manages data of users for managing users connected to the main server(31). A goods information data unit(34) stores and manages a goods information data for providing the goods information data to the main server(31).

Description

Settlement method of internet commercial transaction and the system

The present invention relates to a payment method and apparatus of the Internet commerce, and more particularly, to perform payment through the ARS of the payment provider such as a bank or card company and alternative payment company in performing the Internet commerce. It aims to increase the reliability and convenience of payment.

In general, in the Internet commerce, a user accesses an internet store in an internet network using a terminal, searches for a product, selects a required product, and enters a card number using the terminal to pay for the purchased product.

However, the conventional payment method as described above has a problem that the type of payment card is limited and may be used by a minor or a user who has not been issued a card.

In addition, regardless of the owner of the card, anyone possessing only the card can use it for malicious purposes, which causes a problem of physical damage as well as mental damage to the card owner.

Accordingly, the present invention was created in order to solve the above-described problems, so that payment for the purchase of goods in the Internet commerce can be processed through the ARS of the payment payer such as a bank or card company and an alternative payment company on the Internet. It is.

1 is a block diagram showing an embodiment according to the present invention.

2 is a flow chart showing an embodiment according to the present invention.

3 is a flow chart showing another embodiment according to the present invention.

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

10: terminal 20: Internet network

30: Internet shop

31: main server 31a: user management unit 31b: commodity transaction management unit

32: ARS server 33: user data section 34: product information data section

41: ARS payer

101: user access process 102: access approval process 103: membership registration process

104: product information data providing process 105: product selection process

106: payment request process 107: payment data input process

108: payment process 109: approval process 110: product delivery process

Hereinafter, described in detail by the accompanying drawings as follows.

The present invention is to improve the reliability and convenience of payment by allowing the payment process directly on the Internet using the ARS of the payment bank, such as a bank or card company and alternative payment company after purchasing the goods through the Internet store,

A user terminal 10 that allows a user to access an internet shop 30 through an internet network 20 using a communication web browser, and a user who manages a user connected through the internet network 20 and accesses to an authorized user. The main server 31 which transmits the product information data to purchase the product, and the main server 31 is controlled by the main server 31 to access the payment provider ARS 41 when the user makes a payment and to input the payment data input by the user. ARS access server 32 and the main server 31 for converting and supplying ARS data to the payment payer ARS 41 and converting the voice data provided from the payment payer ARS 41 into text data to deliver to the user. It consists of a user data unit 33 for storing and managing the user data to manage the connected user, and a product information data unit 34 for storing and managing the product information data to the main server 31 Will.

In this case, the main server 31 receives user data from the user data unit 33, and if the connected user is an authenticated user, approves the connection. The user management unit 31a for authenticating and providing the product information data from the product information data unit 34 to the user who is authorized to access from the user management unit 31a, and the user to the ARS access server 32 when the user pays for the purchased product. It is made of a commodity transaction management unit 31b to be connected.

In addition, in the practice of the present invention, the ARS access server 32 may be equipped with an ARS processing program corresponding to each payment provider so that the ARS access server 32 may proceed sequentially according to the ARS processing procedure of the payment provider inputted from the user. will be.

Hereinafter, the purchase and settlement of goods according to the present invention configured as described above are as follows.

A user connection process 101 of allowing a user to access the internet shop 30 through the internet network 20 with the terminal 10;

An access approval process 102 for allowing the main server 31 to determine whether the connected user is a member through the data stored in the user data unit 33 and permit access if the member is a member;

In the access approval process 102, if the user is a non-member, the main server 31 receives the personal information from the user, approves the ID, and stores the personal data in the user data unit 33. and;

Providing the product information data provided to the user by reading the product information data of the product information data section 34 by the main server 31 to the user who is legally connected through the access approval process 102 and the membership registration process 103 Process 104;

A product selection process 105 for the user to select a desired product from the product information data provided from the main server 31;

A payment request process 106 for requesting data according to a payment method and a payment for the product selected by the user through the product selection process 105;

A payment data input process 107 for selecting a payment method for the payment request process 106 and inputting payment data according to the selected payment method;

If the payment data input in the payment data input process 107 is ARS data, the ARS access server 32 connects to the payment payer ARS 41 and converts and transmits the data input from the user into ARS data. A payment process 108 for converting a voice signal transmitted from the payment payer ARS 41 into a text and transmitting the text to the user;

An approval process 109 for approving the purchase of a product by the user when the payment through the payment process 108 from the payment payer ARS 41 is input as a normal payment;

In the approval process 109 is made of a product sending process 110 for sending the goods approved by the user.

On the other hand, in the payment data input process 107 of the present invention, the input of the payment data is to proceed sequentially in accordance with the input of the payment data of the user in parallel with the payment process 108 to enhance the reliability to the user In addition, the payment provider ARS (41) can be used to make a payment using a card as in a normal method.

In addition, in the process according to the present invention, so that many users using the Internet can easily access the Internet store 30, the access approval process 102 and the registration process according to this 103 product selection process 105 After that can be done.

Hereinafter, the working process according to the present invention will be described.

As described above, the user terminal 10 connected through the Internet network 20, the main server 31 for managing the connected user to approve the connection and provide product information data so that the user can purchase the product; ARS access server 32 that allows the Internet shop 30 to receive payments directly from the payment provider by connecting to a payment provider ARS 41 such as a bank or a card company and a payment agent when purchasing a product. According to the present invention, a user accesses an internet shop 30 on the Internet using the terminal 10.

When the user accesses the internet shop 30 as described above, the main server 31 of the internet shop 30 determines whether the user connected through the user manager 31a is a member, and if the user is a member according to the determination. Approve the access, and in the case of a non-member, the user receives the user's personal data through the member registration process 103, approves the ID, and then approves the access.

When the user completes the connection through the formal procedure as described above, the product transaction management unit 31b inputs the data on the product to the user, and the user selects the desired item after searching the data on the input product. do.

As described above, when the user selects an item to be purchased, the merchandise transaction management unit 31b asks the user whether to use the card or through a payment provider such as a bank, and the user wants to pay using the card. If you want to pay by entering the card number and the corresponding password, and if you want to pay through the payment provider ARS (41) requires the input of payment data, such as payer code and bank account, and the user Enters payment data, the commodity transaction management unit 31b controls the ARS access server 32 to access the payment payer ARS 41.

As described above, in the state in which the ARS access server 32 is connected to the payment provider ARS 41, the payment data is input according to the input request of the ARS 41 of the payer, and the payment is made from the payment provider to the Internet store 30. To be done. At this time, the ARS access server 32 converts the voice signal transmitted by the payment provider ARS 41 according to the progress of the payment process to a text signal to the user's terminal so that the user can check the payment progress.

If payment approval is dropped from the payment payer ARS 41 through the process as described above, the product transaction management unit 31b is to approve the purchase of the goods and to send the goods to the place required by the user.

Therefore, the present invention by using the payment provider ARS directly on the Internet in addition to the card after accessing the Internet store to purchase the product purchase price, the reliability of the payment is improved, and the payment is made conveniently.

In addition, minors who cannot use the card or the general public who do not make a card can easily purchase the goods through the Internet.

Claims (4)

A user terminal 10 for allowing a user to access an internet shop 30 through an internet network 20 using a communication web browser; A main server 31 which manages a user accessing through the Internet network 20 and transmits product information data to an authorized user to purchase a product; Controlled by the main server 31 is connected to the payment provider ARS (41) when the user makes a payment to convert the payment data entered by the user to the payment provider ARS (41) ARS data and supply the payment provider ARS ( An ARS access server 32 for delivering to the user by converting the voice data provided by 41 into text data; A user data unit 33 for storing and managing user data so as to manage a user connected to the main server 31; Billing device of the Internet commerce, characterized in that consisting of a commodity information data section 34 for storing and providing the commodity information data to the main server (31). The method of claim 1, The main server 31 receives the user data from the user data unit 33 and authenticates the access when the connected user is an authenticated user, and authenticates the ID by receiving personal information from the user when the user is an authenticated user. A user manager 31a; The commodity transaction management unit 31b provides the commodity information data from the commodity information data unit 34 to the user who is authorized to access from the user management unit 31a and allows the user to be connected to the ARS access server 32 when the user pays for the purchased product. Payment apparatus of the Internet commerce, characterized in that consisting of. The terminal 10 is connected to the Internet store 30 of the Internet network 20 to receive product information from the main server 31 of the Internet store 30, and select the purchased product. Through the ARS access server 32 of the Internet shop 30 is connected to the payment provider ARS 41, Payment of the purchase price for the optional goods through the payment payer ARS (41) characterized in that the payment method of the Internet commerce. The method of claim 3, wherein A user connection process 101 of allowing a user to access the internet shop 30 through the internet network 20 with the terminal 10; An access approval process 102 for allowing the main server 31 to determine whether the connected user is a member through the data stored in the user data unit 33 and permit access if the member is a member; In the access approval process 102, if the user is a non-member, the main server 31 receives the personal information from the user, approves the ID, and stores the personal data in the user data unit 33. and; A commodity information data providing process 104 of which the main server 31 reads commodity information data of the commodity information data section 34 and provides it to the user connected to the Internet shop 30; A product selection process 105 for the user to select a desired product from the product information data provided from the main server 31; A payment request process 106 for requesting data according to a payment method and a payment for the product selected by the user through the product selection process 105; A payment data input process 107 for selecting a payment method for the payment request process 106 and inputting payment data according to the selected payment method; If the payment data input in the payment data input process 107 is ARS data, the ARS access server 32 connects to the payment payer ARS 41 and converts and transmits the data input from the user into ARS data. A payment process 108 for converting a voice signal transmitted from the payment payer ARS 41 into a text and transmitting the text to the user; An approval process 109 for approving the purchase of a product by the user when the payment through the payment process 108 from the payment payer ARS 41 is input as a normal payment; The payment method of the Internet commerce, characterized in that consisting of a product shipment process for sending the goods approved in the approval process (109) to the user.