KR20000054284A - A commercial transaction control method using a transaction certifier - Google Patents

Abstract

PURPOSE: A method for controlling commercial dealings with deal authenticators is provided that buyers set their own ways for paying, which the authenticators manage, to an use-capable state just in buying goods, and to use-not capable state in the rest time, and use the use-capable/use-not capable states, which notify to authenticators in order or set directly via wire/wireless communications, as an authentication of buying orders, so that prevents dealings damage from leak or robbery of information on paying ways. CONSTITUTION: In a method for controlling commercial dealings with deal authenticators, an electronic commercial dealings comprises commercial dealings sides, authenticators for paying, and authenticators for dealing. The authenticators for dealing have registered information on paying ways of buyers and information on use-capable or use-not capable state of the information, which can control directly or via communication ways. The authenticators receive buying orders of buyers through sellers, and execute an authentication of buying orders using the information. The buyers control the authentication of buying orders such as use-capable/not capable of paying ways with the information, and control commercial dealings such as the paying ways by classifying by seller. The authenticators for paying can also control commercial dealings including roles and functions of the authenticators for dealing.

Description

Commercial transaction control method using a transaction certifier

As a technology in the field of commerce using electronic and information communication technology, an electronic commerce activity using a financial settlement means by a buyer arbitrarily controlling commerce with a seller including a payment authenticator using wired or wireless communication means such as the Internet. As a technology for improving the safety of the prior art, a method of reducing the damage caused by the leakage of payment information by limiting the usage limit of the electronic payment means such as a credit card used by the purchaser as a payment method is used.

In the Internet environment using wired / wireless communication means, the purchaser's payment means such as credit cards or financial settlement means such as buyer's account information are used to perform commercial transactions. Loss or leakage of the instrument may, in some cases, cause serious commerce damage to the payment instrument or the lost account information.

1 illustrates a process of commerce activity between a buyer and an item seller in a conventional manner.

2 illustrates a method related to a commerce activity consisting of a buyer, a seller, and a payment authenticator as another example of the conventional method.

Figure 3 shows a commerce scheme consisting of a buyer, a product seller, a payment authenticator and a transaction authenticator having a function of controlling the authentication right of the purchase order according to the present invention.

Figure 4 shows an embodiment of a data table of the payment means registration information of the goods buyers (A) managed by the transaction authenticator (B).

FIG. 5 shows an embodiment of a method in which the article buyer A directly controls the transaction control means E held by the transaction authenticator B. As shown in FIG.

6 is an embodiment illustrating a process of transmitting goods order information from a goods seller and checking an account usable state.

7 illustrates another embodiment showing a process of transmitting goods order information from a goods seller and checking an account usable state.

8 shows an embodiment of a table setting whether or not to use the payment means of goods buyers for each goods seller managed by the transaction authenticator (B).

9 illustrates a payment authenticator (D) in FIG. 3 according to another embodiment of the present invention in a commerce relationship consisting of an article purchaser (A), an article seller (B), and a payment authenticator (D). The method includes the function and role of the transaction authenticator (B).

Conventional methods of commerce in the Internet environment using wired and wireless communication means purchase price between buyers who purchase wired and intangible goods and sellers who sell these or intangible goods, or buyers and sellers, and credit cards. In the commerce activities consisting of payment means certifiers that perform the authentication function of payment means, the registration information of payment means such as the buyer's credit card or the buyer's account information used as payment means for the purchase of goods by the buyer is easily available on the Internet. Therefore, there is a high possibility that the registration information or account information is stolen or leaked, and therefore, there is a problem that the merchandise commerce acts in the name or the account of the buyer even without the direct involvement of the buyer. To solve this commerce problem It provides a stage.

The configuration of the present invention is as follows.

1 illustrates a commerce process between a buyer and a seller in a conventional manner. In the process of the seller providing the goods to the purchaser by means of mail or communication (2) with respect to the purchaser's payment through online payment or wire transfer and request for purchase of goods using wired / wireless communication means (2) Is done.

FIG. 2 illustrates a commerce method including a buyer and a seller who want to purchase an item using a payment method such as a credit card, and an authenticator who authenticates the validity of the payment method as another example of the conventional method. Here, the buyer requests the seller to purchase the goods (1) and the payment is made using a payment method such as a credit card. The seller requests the validity of the account information of the payment method such as the credit card provided by the buyer using wired / wireless communication means to the payment authenticator using wired or wireless communication means (2). The validity of the payment method such as credit card is checked and the seller is notified of the result (3) and the seller provides the buyer with the requested goods (4). In this conventional commerce process, there is no problem when purchasing goods using cash as in the example of FIG. 1, but as in the example of FIG. 2, the purchaser uses only intangible credit card account information or account information of a payment means such as an internet account. In this case, the third party, not the holder of the payment means, can use the account information of the holder of the payment means to perform a commercial transaction. Therefore, if the registered information of the payment means such as credit card or Internet account is leaked or stolen, the holder of the payment means is very likely to suffer great economic damage in the conventional commerce process.

Figure 3 is an embodiment of the present invention consists of the article buyer (A) and the seller of the article (C), the payment authenticator (F) and the transaction authenticator (B) that can control the commerce behavior according to the present invention Represents a commerce model. The transaction authenticator includes a transaction control means (E) for controlling commerce behavior, and the commodity sellers (C) each have an order document authentication means connected directly or indirectly with the transaction control means (E) managed by the transaction authenticator on the Internet. (D).

The roles and actions of each member are as follows.

The goods purchaser (A) fills out a prescribed form and submits it to the transaction authenticator (B) for the safe use of their commerce, so that the buyer of the payment of the goods (A) between the goods purchaser (A) and the transaction authenticator (B) The relationship that can manage the account information is established, and the buyer of the goods (A) adds the account information of the payment means of the goods buyer (A) managed by the transaction authenticator (B) using wired or wireless communication means. The purchaser (A) can directly or indirectly determine whether or not the item is deleted, or can be used. In this case, the form prepared by the purchaser A and submitted to the transaction authenticator B may be a subscription on the Internet or a contract with the transaction authenticator B.

The transaction authenticator (B) may be authorized information regarding one or more buyers (A) of the contract and also the buyers of each article (A) submitted by wire or wireless communication means or mail ( A) holds information including the account information of the payment means and the availability status information of each account information, which are owned by A). And transaction control means (E) which indirectly allow each article buyer (A) to submit and control the availability of the payment means from the data held by the transaction authenticator (B). Figure 4 shows an embodiment of a data table of the payment means registration information of the goods buyers (A) managed by the transaction authenticator (B). In this example, item buyers a, b, c, and d represent each item buyer managed by the transaction authenticator and the payment instrument information represents an example such as credit card or bank account information. The "used" refers to a state in which a trade order cannot be made between a buyer and a seller, and "used" means a state in which a trade order between a buyer and a seller is possible.

FIG. 5 shows an embodiment of a method in which the article buyer A directly controls the transaction control means E held by the transaction authenticator B. As shown in FIG. Buyer a shows an example of how to set up a payment method, 111-111-1111-111, and another payment method, 112-212-32323223, to a disabled state. This can be done using wired or wireless communication means.

Commodity sellers (C) have an environment in which they can sell goods online or offline. Goods buyers (A) can select and order goods on the Internet using wired or wireless communication means. An order form is provided, and the buyer of the goods (A) enters the order for purchasing the goods by inputting relevant information of the payment means such as a credit card or a bank account.

When the buyer (A) submits the goods order form to the goods seller (C), the goods seller (C) transmits the order information to the transaction authenticator (B) connected to the Internet by wire or wireless communication means. From the account information data of each item buyer (A) managed by the transaction authenticator (B) to check the account information of the item buyer (A) and the availability of the account. If it is enabled, the commerce activity continues and if it is disabled, the commerce activity is immediately stopped.

6 shows an embodiment in the case of using a suspended payment means as a process of transmitting goods order information from a goods seller and checking an account usable state.

7 is an embodiment in which the account of the goods purchaser A is in an available state, and the order form submitted by the goods seller C to the transaction authenticator B is normally ordered, and thus the order information is sent to the payment authenticator. Once sent, the payment authenticator processes the order information in the conventional manner to complete the order process and commodity commerce.

The goods purchase procedure according to the present invention is as follows.

The purchaser of the goods (A) sets the use of the payment method or the account of his credit card managed by the transaction authenticator (B) to the disabled state if there is no purchase of the goods through the transaction control means (E). Control the transaction of goods from the seller (C) is also prohibited. When the buyer (A) starts to buy the goods, first, through the transaction control means (E), the user can use his / her payment method or the right to use the account. (1).

As a next step, the buyer (A) selects the items he / she wishes to purchase from the seller (C) using wired / wireless communication means, and the account information of the payment means held by the buyer (A) on the purchase order form. Complete the application for purchase of goods by entering (2).

Then, the seller of goods (C) is used by the seller of goods (C) by using the order control means (D) connected through the transaction control means (E) managed by the transaction authenticator (B) and wired and wireless communication means. The transaction control means (E) is inquired as to whether the payment means submitted by the goods seller (C) can be used (3). Here, the order document authentication means D managed by the merchandise seller C side is simply realized by a device equipped with software or hardware operating on the Internet.

If the account of the payment means entered by the buyer of the goods (A) and the goods seller (C) has contacted the transaction control means (E) is in a suspended state, the purchase order is no longer processed and is canceled (4-1). If the account of the payment means entered by the goods buyer A and the goods seller C contacts the transaction control means E is available, the purchase order entered by the goods buyer A becomes valid. The seller C proceeds with the normal sales process (4-2).

Here, the goods purchaser (A) can separately control the account information of one or more payment means held by the goods purchaser (A), which is managed by the transaction authenticator (B), and also the goods seller a, goods seller b, goods It is possible to improve the safety of the commerce by separately setting whether to use the payment means for each of the goods sellers (C) that the goods buyers (A), such as the seller c transactions.

FIG. 8 illustrates an embodiment of a table for setting whether to use a payment means of an item buyer A for each item seller C managed by a transaction authenticator B. As shown in FIG.

9 illustrates a payment authenticator (F) in FIG. 3 in a commerce relationship composed of an article buyer (A), an article seller (C), and a payment authenticator (F). The method includes the function and role of the transaction authenticator (B).

According to the application of the present invention, the purchaser of the goods can use the wired / wireless communication means only with the intangible payment means information by setting up and purchasing the payment means managed by the transaction authenticator only when he / she wants to purchase the goods. This can prevent damage caused by the leakage or theft of payment means information in an environment where commerce takes place.

According to the application of the present invention, the purchaser of the goods can set the payment method of the user, which is managed by the transaction authenticator only at the time of purchasing the goods, and set the payment method to the disabled state at other times. Intangible payment method information by notifying the transaction certifier at the time of purchase order or by using the payment method that can be set directly by wire or wireless communication means By using wired and wireless communication means alone, it is possible to prevent damage to commerce due to the leakage or theft of payment means information in an environment where commerce takes place.

Claims (1)

The transaction authenticator is owned by the buyer in an electronic commerce scheme consisting of a payment authenticator and a transaction authenticator who provide both the buyer and seller of the commerce party and also the authentication and payment service of the payment instrument, such as a credit card company. Registration information about a payment method and status information, such as availability or discontinuance of registration information, which can be controlled by the purchaser directly or by means of communication; An electronic commerce method that authenticates a purchase order using payment method registration information and status information of a purchaser who is owned or managed. The purchaser owns using his payment method information and status information managed by a transaction authenticator. Enabling or disabling the current payment method Controlled goods orders and certificates can also control the commerce practices, including the role and function parties also control the commerce enabled or disabled by means of the payment divided by the seller and also self-certified payment transaction authentication.