KR20000030718A - Settlement System for Mail Order Business - Google Patents

Abstract

PURPOSE: A settlement system using cyber cash for mail order sale is provided to use authenticated cyber cash issued at banks for safe and convenient price settlement between vendors and purchasers. CONSTITUTION: A purchaser purchases cyber cash at a bank(1). The bank issues cyber cash, and reserves a recognition number and an approval number recorded on the cyber cash in a data base(2). The purchaser orders goods to a mail order sales company and pays the price with the cyber cash(3). The bank receives the data of the recognition number and approval number through a transaction approval system configured between the bank and the mail order sales company(4). The bank compares the numbers with the data of the data base(5). A signal for the approval result is transmitted to the mail order sales company(6). In case that the transaction is approved, the mail order sales company delivers the ordered goods to the purchaser(7).

Description

Settlement System for Mail Order Business}

The present invention relates to a mail order, such as the Internet, the current payment is made by the transfer of cash using a bank account or by using a credit card, the buyer is different from direct sales in a general store, etc. Regarding remittances, there is a tendency to worry about suspicion of the seller's credit, concerns about errors in the payment process, and worry about fraudulent use of credit card information and leakage of unnecessary personal information about payments using credit cards. It was large in view of the fact that this is hindering the growth of the telecom sales market.

Conventional technologies that may be referred to in this field include 'prepaid card' services, which are currently used in part by domestic PC carriers, and 'prepaid cards' used by telephone service companies, but each company has its own PC communication service. It is intended only for telephone service users.

Currently, some companies apply the 'prepaid card' system, which is limited to the service provided by the company, and use 'payment system for mail order' using 'electronic money' issued and approved by the bank. It is to improve 'trade stability'.

1 is an overall service flow chart

① The buyer pays the bank with cash or credit card and purchases 'electronic money'.

② When the buyer pays in cash or credit card, the bank sells 'electronic money' and stores the 'recognition number' and 'approval number' recorded in the sold electronic money as a database.

③ The Buyer shall order the goods from the telecommunications sales company by means of telesales, such as the Internet, and settle the transaction price in 'electronic money' according to the normal prepaid practice of telesales.

④ Through the transaction approval system established under the pre-contract regarding the use of 'electronic money' between the bank and the telesales company, the bank receives 'recognition number' and 'approval number' data of the electronic money entered by the buyer.

⑤ Compare this with the data of the database built in the company, and send the approval of this transaction.

⑥ The approval signal sent from the bank is transmitted to the telecom sales company through the transaction approval system established under the pre-contract on the use of 'electronic money' between the bank and the telesales company.

⑦ If the transaction is approved in ⑥ above, the telesales company considers the payment to be completed and sends the goods ordered by the buyer through the courier company.

⑧ The telesales company shall request the payment of the amount after the date specified by the contract with the bank after the purchaser has sent out the order.

⑨ The bank pays the amount equivalent to the relevant 'electronic money' after the buyer has passed the due date required for the receipt and confirmation of the goods in accordance with the terms of the contract with the telesales company. Prior to paying this amount, the purchaser may request that the payment for the electronic money be stopped, in which case the bank or its agent (or agency) shall investigate the transaction and take appropriate action.

In order to achieve the above object,

The first stage, the bank issues 'e-money' in the amount of ten thousand won, one hundred thousand won, one million won, and other necessary units, which are individually assigned 'recognition number' and 'approval number'. The 'recognition number' and 'approval number' are registered in the issuing bank's computer network together with the 'issued amount and balance'. The initial balance is the same amount as the issued amount.

<Phase 2> The Phase 1 bank or its agent (or its representative company) enters into a contract with a telecom merchant who wishes to promote the first phase 'electronic money' and use it as a payment method. Design and install the necessary devices.

<Phase 3> The 'user' who purchased the first stage 'electronic money' from the bank orders the goods through an internet shopping mall or other mail order and receives the 'recognition number' and 'authorization number' recorded in the 'electronic money'. Enter and pay as the payment for the order.

<Step 4> The mail order seller who sold the goods in step 3 determines whether the goods are sold by checking the bank's 'recognition number' and 'approval number' of the 'electronic money' entered by the customer. Sell it.

<Step 5> The bank calculates the difference between the displayed amount of 'electronic money' and the amount used to purchase goods, and corrects and keeps it as 'balance' corresponding to the 'recognition number' and 'approval number'.

Step 6: The telesales seller requests the exchange of cash or other general currency from the bank that issued the electronic money, attaching the identification number and approval number received from the user.

Step 7: The bank shall, upon the request of step 6, pay the transaction within the period agreed upon in the step 2 transaction. However, this contracted date shall be sufficient period in consideration of the periods such as normal delivery of goods and receipt and confirmation of users in mail order.

For reference, before paying this amount, the purchaser may request that the payment for the electronic money be discontinued, in which case the bank or its agent (or agency) shall investigate the transaction and take appropriate action.

In the current mail order method, payment is made by remittance of cash using a bank account or by credit card.In contrast to direct sales in a general store, the buyer is responsible for remittance of cash using a bank account. Doubts, concerns about errors in the payment process, and payments using credit cards are highly concerned about fraudulent use of credit card information and leakage of unnecessary personal information. It is a reality that growth is undermined.

The new concept of 'electronic money' and 'payment system using electronic money for telesales' will be used to resolve the mutual distrust between sellers and buyers in the telesales system. Can be.

Claims (2)

The present invention is a new "payment system for communication sales" using electronic money issued and certified by the bank for the convenient and secure payment of money between the seller and the buyer when selling goods using the Internet and other communication means. Here, 'electronic money' does not exist at present and refers to a new concept of money required by this new system, which is issued by each individual bank and sold through a bank branch network like a check in the market. Recognition number and approval number are separately assigned to money so that it can be used as a general currency in transactions through the Internet or other communication networks. That way, <Phase 1> Banks issue 'electronic money' in the amount of 10,000 won, 100,000 won, one million won and other necessary units, which are individually assigned 'recognition number' and 'approval number'. The 'recognition number' and 'approval number' are registered in the issuing bank's computer network together with the 'issued amount and balance'. The initial balance is the same amount as the issued amount. <Phase 2> The Phase 1 bank or its agent (or its representative company) enters into a contract with a telecom merchant who wishes to promote the first phase 'electronic money' and use it as a payment method. Design and install the necessary devices. <Phase 3> The 'user' who purchased the first stage 'electronic money' from the bank orders the goods through an internet shopping mall or other mail order and receives the 'recognition number' and 'authorization number' recorded in the 'electronic money'. Enter and pay as the payment for the order. <Step 4> The mail order seller who sold the goods in step 3 determines whether the goods are sold by checking the bank's 'recognition number' and 'approval number' of the 'electronic money' entered by the customer. Sell it. <Step 5> The bank calculates the difference between the displayed amount of 'electronic money' and the amount used to purchase goods, and corrects and keeps it as 'balance' corresponding to the 'recognition number' and 'approval number'. Step 6: The telesales seller requests the exchange of cash or other general currency from the bank that issued the electronic money, attaching the identification number and approval number received from the user. Step 7: The bank shall, upon the request of step 6, pay the transaction within the period agreed upon in the step 2 transaction. However, this contracted date shall be sufficient period in consideration of the periods such as normal delivery of goods and receipt and confirmation of users in mail order. For reference, before paying this amount, the purchaser may request that the payment for the electronic money be discontinued, in which case the bank or its agent (or agency) shall investigate the transaction and take appropriate action. Payment of the 'electronic money' described in <third step> of claim 1 is not limited to an internet shopping mall, and the payment method may use a payment method using a telephone and a dedicated terminal as well as payment through the Internet.