KR20000049445A - The credit card settlement system through the mediator in the internet electronic business - Google Patents

Abstract

PURPOSE: A method for settling a credit card through a mediator in Internet electronic commerce is provided for a seller to utilize a credit card settlement service only with Internet transmission control protocol/Internet protocol(TCP/IP), by constituting a mediator for a service of X.25 leased line network between the seller and a VAN company. CONSTITUTION: A method for settling a credit card in Internet electronic commerce, comprises the steps as follows. A buyer(1) purchases products from a seller(2) by using Internet transmission control protocol/Internet protocol(TCP/IP), and demands settlement. And the seller(2) gets authorization of a credit card company(5) through a VAN company(4), and a financial agency(6) received a payment demand from the credit card company(5) pay settlement charges to the seller(2). A method for settling a credit card through a mediator in Internet electronic commerce, comprises the steps as follows. Between the seller(2) and the VAN company(4), a mediator(3) is connected for providing a settlement system in a settlement demand. The mediator(3) is connected to the seller through the TCP/IP. And the mediator(3) is connected to the VAN company(4) through a leased line network.

Description

The credit card settlement system through the mediator in the internet electronic business}

According to the present invention, as an intermediary for providing an X.25 leased network service between a seller and a VAN company in an internet e-commerce, a seller can conveniently provide an internet e-commerce service even if the seller does not directly establish an X.25 leased network. It relates to a credit card payment system that enables a user to complete a transaction, in particular to provide a variety of forms required for e-commerce, in addition to providing X.25 exclusive network services. Later, the present invention relates to a credit card payment system that notifies sellers and buyers of transaction details and stores the contents in a database of their own servers so that Internet e-commerce can be made more stable and convenient.

In the conventional credit card payment system, as shown in FIG. 1, the purchaser 1 purchases an item through the Internet TCP / IP at the seller 2's e-commerce store and requests the seller 2 to make a payment. Seller (2) will contact VAN via X.25 dedicated network, and VAN will accept (B) approval from credit card company (5) through X.25 dedicated network. The seller 2 receives the approval notification (d) from the VAN company 4 and shows the transaction confirmation (e) on the computer screen of the buyer 1 through the Internet TCP / IP.

On the other hand, after the payment is made, the credit card company 5 pays the seller 2 through the banking institution 6, and the transaction is sent from the credit card company 5 to the buyer 1 for the purchase price. To make a payment.

However, in the conventional credit card payment system, the Internet TCP / IP is used between the buyer and the seller, and the X.25 dedicated network is used between the seller and the VAN company and the credit card company. You must have both Internet TCP / IP. Therefore, there is a technical difficulty to double the cost when constructing a circuit, and to understand two transport protocols when developing an e-commerce store.

In addition, the payment form that the seller shows to the buyer is difficult to modify once produced, there was a problem that can not be quickly modified when the content is changed,

Since the VAN company does not organize the payment request data sent by the seller as a searchable database data through the Internet, it is difficult for the seller to grasp the sales performance and payment situation, and there is a problem of excessive expenses due to the construction of the database directly. .

In addition, when the approval was made and the transaction was established, the VAN company notified the seller of the transaction approval in the form of picket data, and there was a problem that it was difficult to keep the contents. .

In addition, since the seller confirms the approval to the buyer through the computer screen only, this also has a problem in that it is difficult to keep the data and it is difficult to compare the data in case of an accident.

The present invention is to solve this problem, the object of the present invention is to provide a credit card payment service even if the seller does not have X.25 dedicated network only Internet TCP / IP only to solve the double burden of the cost and two To solve the technical difficulties that had to understand all of the protocols, and secondly, it is possible to satisfy the needs of several people by changing the form of payment provided to the seller or buyer in various forms, Third, the payment request data sent by the seller and the transaction approval notification data sent by the VAN are databased so that the seller can easily understand the sales performance and payment situation. Fourth, the seller approves the seller or the buyer. And to inform you of the confirmation of the transaction in a form that is easy to keep. Below and with the confirmation of the information, to be made more secure commerce.

To this end, in the present invention, by connecting a repeater for the X.25 dedicated network service between the seller and the VAN company, the seller can use the credit card payment service only through the Internet TCP / IP, and the seller can pay various forms of payment from the relay. By providing the form, it can be changed accordingly according to the work content of the business, and the relayer should make a database of all the data entered in the settlement form and the notification form of approval, and notify the seller and the buyer about the approval and transaction confirmation by e-mail. By delivering the information in the form, it is possible to easily confirm the transaction fact and at the same time to ensure safe commerce.

This will be described in more detail by the accompanying drawings.

1 is a flowchart illustrating a conventional credit card payment system;

2 is a flowchart illustrating a credit card payment system according to the present invention;

3 is a view for explaining a user management menu screen provided by the relay;

4 is a view for explaining a lower menu screen of FIG. 3;

5 is a view for explaining an alternative form view screen,

6 is a view for explaining the approval notification and transaction confirmation notification form,

7 is a view for explaining a sample screen of the notification notification and transaction confirmation notification,

8 is a view for explaining the payment confirmation and purchase application screen.

Explanation of symbols for main parts of the drawings

1: buyer 2: seller

3: Relay 4: Van company

5: Credit card company 6: Banking institution

FIG. 2 is a flowchart illustrating a credit card payment system according to the present invention. When a purchaser 1 purchases an item from a seller 2 using the Internet TCP / IP and requests a payment at the same time, the seller (2) credit through Internet e-commerce, which is approved by the credit card company (5) through the VAN company (4), and with the payment from the banking institution (6), which has been requested by the credit card company (5). In the card payment system,

Between the seller (2) and the VAN company (4) is connected to the repeater (3) for providing a payment form at the buyer's request for payment, the intermediary (3) between the seller and the Internet (2) It is connected via TCP / IP, and is connected to the VAN (4) through an X.25 dedicated network.

3 is a view for explaining a user management menu screen provided by the relay, which is a user management menu provided to the seller 2 by the mediator 3.

Here, in addition to general use data such as registration data modification and online payment confirmation, a button for applying for payment confirmation / purchase (11), a button for payment form replacement (12), and an approval notification replacement (13) are displayed. And a button for the transaction confirmation notification replacement 14 is provided, the button for the payment form alternative 12, a button for the approval notification replacement 13, and the transaction confirmation notification replacement 14 If you click the button for it is configured to be connected to the lower menu (20) consisting of the button of the alternative form view 21, the alternative form modification 22, the initialization of the alternative form 23, as shown in Figure 4, The submenu allows the seller to change the contents of the alternative form into the desired form.

That is, as shown in FIG. 5 and FIG. 6, the seller 2 can find the necessary item among the items such as a brand name, a price, a name, and arrange the order in a desired order. You can use the variables provided by :(: GOODNAME :,: SUBTOTALPRICE :,: RECEIPTTONAME :).

In addition, since the intermediary 3 encodes the approval notification and the transaction confirmation notification in an unmodifiable form after the completion of the transaction, the relayer 3 sends the email to the buyer 1 and the seller 2 so that the buyer 1 and the seller ( Not only can the dispute be prevented in advance, but if the contents of the e-mail are altered, the intermediary can immediately check the facts, so that even if a dispute arises, the authenticity can be checked immediately.

The operation and effects of the system of the present invention thus constructed are as follows.

First, when the seller 2 applies for use to the relay 3, the user management menu as shown in FIG. 3 is given, so that the seller sends a payment form to the buyer 1 and an approval notification form to be received from the relay 3 And, the relay (3) can be set in advance in the desired form of the transaction confirmation notification form to send to the buyer (1).

That is, when the seller 2 clicks the payment form replacement 12 button or the notification notification replacement 13 button on the user management menu screen of FIG. 3, the seller 2 moves to the submenu of FIG. 4, where the alternative form view ( 21) Clicking the button brings up the basic form of the alternate form set in advance by the repeater (3).

If you want to use the standard form provided by the relay (3), you do not need to adjust otherwise, but if you want to change the alternative form, click the Substitute Alternate Form (22) window and click on the submenu (see Fig. 5). In this case, select the required variables and list them in the desired order so that the seller (2) can change the alternative form to the desired form. If you do not want to change it, click the Initialize Alternate Form (24) window. It can also be reduced to the initial screen provided by 3).

In addition, when the seller 2 clicks the transaction confirmation notification substitute 14 button on the user management menu screen of FIG. 3, the seller 2 moves to the screen of FIG. 6, where the seller 2 selects the desired item. By arranging arbitrarily, a unique transaction confirmation notification form can be constructed.

As such, when the seller's alternative form input operation is completed and the changed contents are transmitted to the server of the relay 3, the purchaser 1 can purchase the goods using the credit card payment service.

In FIG. 2, when the purchaser 1 purchases an item at the seller 2's e-commerce store and requests a payment, the buyer 1 is connected to the server of the relay 3 and the payment form preset by the seller 2 (FIG. 5). The buyer (1) enters in order according to the item, and when the seller (2) requests the approval (b), it goes through the security system on the server of the relay (3) and goes through the authentication process to make a database. The repeater (3) requests approval from the credit card company (5) via the VAN company (4) through the X.25 dedicated network data, and the authorization matter (C) is passed through the VAN (4) from the credit card company (5). .25 Notify the intermediary (3) of approval via dedicated network data.

The intermediary (3) compares the billing requirements and approvals with the data notified of the approval and constructs a database of results.

In addition, through the Internet TCP / IP, a notice of approval is given to the seller (2) and a transaction confirmation notice (e) to the buyer (1) so that it can be immediately confirmed on the screen, and a code is attached so that the recorded content cannot be tampered with. Notification is also made by e-mail, the contents of which are replaced by the process number " BM727346273 " as shown in (1) of FIG. 7 in the replacement character of the process number ": TRANSATIONID: "

6 is the same principle as (2) in FIG. 7 and this is the same principle. If the position of the substitution character is changed regardless of the form, the position of the result value is changed in the same way. There is an advantage.

When all the authorization process is made and a transaction occurs, the credit card company 5 in FIG. 2 requests payment through the bank institution 6 (bar) and pays the sales price to the seller 2.

After the transaction occurs, if the seller 2 wants the transaction data, he accesses the user management menu screen of Fig. 3 via the Internet and clicks the payment confirmation / purchase 11 button. The seller 2 can set the search conditions first and then press the confirmation button to search the data for the payment confirmation and the purchase application.

As described above, in the present invention, by establishing a connection between the seller and the VAN company to provide an X.25 dedicated network service, the seller can use the credit card payment service only through the Internet TCP / IP, thereby reducing the double burden of costs. To solve the technical difficulties of solving both protocols,

Sellers can modify the payment form by accessing the relay server to satisfy various sellers' needs.

By making a database of payment request data sent by sellers and transaction approval notices sent by VAN on the Internet, the seller can easily understand the sales performance and payment situation.

By notifying sellers and buyers of approvals and transaction confirmations in a form that is easy to keep, the transaction contents are confirmed and safer commerce can be achieved.

Claims (6)

When the purchaser 1 purchases an item from the seller 2 using the Internet TCP / IP and at the same time requires a payment, the seller 2 approves the credit card company 5 through the VAN company 4. In the credit card payment system through the Internet e-commerce that receives a payment from the bank institution (6) received a payment request from the credit card company (5) with this, Between the seller (2) and the VAN company (4) is connected to the repeater (3) for providing a payment form at the purchaser's payment request, the relay (3) is connected to the Internet between the seller (2) The credit card payment system through the relay in the Internet e-commerce, characterized in that connected via TCP / IP, and connected to the VAN (4) through a dedicated network. According to claim 1, when the seller (2) applies for the use of the relay (3) is provided with a payment form for the buyer (1), if it is input or modified to be sent to the relay server, the buyer (1) The credit card payment system through the relay in the Internet e-commerce, characterized in that the payment form is provided from the server of the relay (3) when the seller requests payment after the purchase of the seller (2). According to claim 1, when the seller (2) applies for the use of the relay (3) is provided with the approval notification form and the transaction confirmation notification form, if it is input or modified to be sent to the relay server, the purchase of goods In the case of the approval from the credit card company (5), the repeater in the Internet e-commerce, characterized in that the forms are provided to the seller (2) and the buyer (1), respectively, with the contents entered from the relay (3) server Credit card payment system through. The user management menu provided by the seller (2) from the intermediary (3), the payment confirmation / purchase (11), in addition to the general use data such as registration data modification, online payment confirmation. There is a button for applying, a button for payment form alternative 12, a button for approval notification replacement 13, and a button for transaction confirmation notification replacement 14, the payment form replacement (12) If you click the button for, the notification for notification replacement (13), and the button for the transaction confirmation notification (14), the alternative form view (21), the alternative form modification (22), the alternative form initialization (23) It is configured to be connected to the lower menu 20 made of a window, the repeater in the Internet e-commerce, characterized in that the seller through these sub-menu 20 is configured to change the contents of the alternative form to the desired form Credit card payment system Tem. 4. The transaction amount according to any one of claims 1 to 3, wherein the transiter sends an e-mail to the buyer 1 and the seller 2 with a code so that the approval notification and the transaction confirmation notification cannot be tampered with after the transaction is completed. In addition to preventing disputes between the buyer (1) and the seller (2) due to the fact that the e-mail contents have been altered, the relay can immediately check the facts so that even if a dispute arises, the authenticity can be checked immediately. Credit card payment system through the relay in the Internet e-commerce, characterized in that configured. According to claim 1, since the data of the payment form, the approval notification form, etc. are stored in the database of the server of the relay 3, the seller 2 can freely use this data for the sales performance and the payment situation. Credit card payment system through the relay in the Internet e-commerce, characterized in that configured to.