KR20000058513A - Electrical Settlement Method for Electrical Commercial Transaction - Google Patents

Abstract

PURPOSE: An electronic settlement method on the internet is provided to safely carry out payment dependent on the transaction between enterprises on the internet. CONSTITUTION: An electronic commerce server(11) provides environments so that a transaction between a vendor and a purchaser can be formed between a vendor and a purchaser. As the vendor and the purchaser access the electronic commerce server(11) using their terminals(14,15) through an internet network(12), they perform goods purchase and sale activity. A settlement server(13), as the electronic commerce settlement server of a bank, opens an electronic transaction account. The vendor terminal(14) or the purchaser terminal(15) is a personal computer connected so as to be accessed to the internet network or a personal communication device possible to be connected to the wireless internet network.

Description

Electronic payment method on the Internet {Electrical Settlement Method for Electrical Commercial Transaction}

The present invention relates to an electronic payment method on the Internet, and more particularly, to an electronic payment method that can securely make payments according to business transactions on the Internet.

The Internet began with the ARPANET for sharing information about military research in the US Department of Defense, and is now a huge, efficient information storage and information delivery medium with numerous computer networks around the world. The Internet is used for various purposes such as e-mail, newsgroups, file transfers, information transmission and retrieval, etc., and as the number of networks connected to the Internet and the number of Internet users increase, the commercial use of the Internet, or electronic commerce, It is spreading rapidly.

Electronic commerce is a transaction in which all or part of a transaction of goods or services is processed by electronic means such as electronic document exchange. These e-commerce is active worldwide because of the economic and time advantage that the seller does not need a physical space to display the product, the buyer does not have to visit the store to buy the product directly.

However, since e-commerce on the Internet is also a commerce, payment of goods is required. To this end, conventionally, a buyer visits a website that provides e-commerce on the Internet, decides what to buy, and then transfers the price of the product first through a bank, and then delivers the product after the e-commerce company confirms the fact. The deal was made.

In this case, when the buyer remits the payment before receiving the goods, the buyer has to visit the bank, as well as post payment if the goods are not delivered because the goods have already been paid (termination of the purchase contract, refund of the money). The back is very troublesome. In addition, there are malicious e-commerce companies that close and disappear the e-commerce site after intercepting the price of the product.

Therefore, in many cases, a credit or debit card is used as a payment method in electronic commerce. When using a card as a payment method, the purchaser generally enters the card information (card number or card number and password) directly through key input, and the information about the card entered by the buyer is provided by a company providing credit information ( After the information is sent to the credit information company, the credit card company or the bank, the final purchase approval is determined.

Such a card payment method has the advantage that the buyer can use e-commerce without the inconvenience of having to go to the bank to send money. However, until now, security on the Internet is not perfect, there is a problem that the card information of the buyer provided through key input is easy to leak. For this reason, buyers are avoiding e-commerce because they are concerned about the damage caused by the leakage of card information. This acts as a deterrent to the activation of e-commerce.

As such, the conventional payment methods on the Internet have problems, which is particularly problematic in large business-to-business (B2B) transactions.

In other words, in the case of electronic commerce between companies, the commerce takes place for an existing trading company or a cooperative company. As a result, trust between companies has accumulated, so payment for the price of goods can be made in advance or after payment. However, in the online world, the trust between the two companies that do business is not built up and most of the time, the detailed information about the other company is not known. Therefore, the buyer is reluctant to pay in advance before receiving the goods, and the seller is reluctant to pay after delivery. Since the interests of buyers and sellers conflict with each other, there is a need for a payment method in electronic commerce between new companies.

The present invention has been made to solve the problems of the prior art as described above, the object of which is that when a transaction between the buyer and the seller is established in the electronic commerce using the Internet, the buyer pays the payment to the e-commerce account opened on the payment server The payment server pays the goods back to the seller after the seller delivers the goods to the buyer and receives confirmation of the goods from the buyer, and the payment paid by the buyer is not paid to the buyer or seller without separate authorization. It is intended to provide a method for more securely paying for goods in electronic commerce on the Internet.

1 is a schematic diagram showing a system for implementing an electronic payment method according to the present invention;

2 is a flowchart illustrating an electronic payment method according to the present invention.

※ Explanation of code about main part of drawing ※

11: e-commerce server 12: Internet network

13: payment server 14: seller terminal

15: buyer terminal

The electronic payment method on the Internet according to the present invention for achieving the above object, an electronic commerce server that provides an environment for a transaction between the seller and the buyer, and establishes the account of the buyer's electronic transaction account, The payment of the goods paid is a payment server that controls the payment without a separate payment authentication, terminals connecting the seller and the buyer to the Internet network and conveying the intention of the seller and buyer to the e-commerce server or payment server, and the electronic An electronic payment method in a system including an internet network to which a commerce server, a payment server, and terminals are connected,

A first step of, when the transaction contract is concluded between the seller and the buyer, the payment server to open the electronic transaction account account of the buyer for payment of goods;

A second step of notifying the electronic commerce server and the seller of the fact that the product price is received in the account; and

When the payment authentication from the buyer and the e-commerce server or the transaction cancellation authentication from the seller and the e-commerce server is confirmed, it comprises a third step of paying the authenticated payment amount to the seller or the buyer.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment according to the present invention.

1 is a diagram illustrating a system for implementing an electronic payment method according to the present invention. This includes an e-commerce server 11, an internet network 12, a payment server 13, a seller terminal 14, and a purchaser terminal 15.

The e-commerce server 11 provides an environment in which a transaction can be established between the seller and the buyer. The seller and the buyer use the seller terminal 14 and the buyer terminal 15, respectively, to electronically communicate through the internet network 12. By connecting to the commerce server 11, a product purchase or sale is performed. In this case, the goods may include not only general goods but also logistics services and information services. For these services, the seller will be the service provider and the buyer will be the service consumer.

Here, the payment server 13 is an e-commerce payment server of a financial institution, in particular, a bank, and establishes an e-commerce account, which is a financial product, and the amount deposited in the e-commerce account is anyone without authentication of the seller, the buyer, and the e-commerce server. Don't pay to The terminals 13 and 14 include both a personal computer (PC) connected to access the Internet network, a personal mobile communication device (cellular phone, PCS phone, PDA), etc., accessible to the wireless Internet network.

There are many ways to select sellers and buyers. Generally, auctions or reverse auctions can be used.

2 is a flowchart illustrating an electronic payment method according to the present invention.

Referring to FIG. 2, when a transaction is established between the seller and the buyer in the e-commerce server (S211), the e-commerce server 11 accesses the payment server 13 to open the buyer's e-commerce account account (S221). Allows buyers to deposit goods to their accounts. When the buyer deposits the product price in the corresponding account (S222), the payment server 13 notifies the e-commerce server 11 and the seller of the payment (S223). After confirming the payment, the seller delivers the product to the buyer and notifies the e-commerce server of the delivery result (S212). If the product is a service product, the service provider provides the service to the service consumer.

When the goods arrive from the seller, the buyer checks the delivered goods and checks the e-commerce server (S213) to confirm whether the goods are in good condition and there is no defect (S214). If there is no defect in the product, the e-commerce server authenticates the full payment of the product price to the payment server (S215), and authenticates the full payment of the product price to the purchaser or the payment server. The payment server checks the authentication range of payment from the e-commerce server 11 and the buyer (S224), and in full payment, and if full payment authentication is confirmed from the buyer and the e-commerce server (S225), the seller pays the full amount of the product price. (S226).

On the other hand, if the buyer checks the goods delivered (S213, S214) if there is a defect (specifications), such as the specification or quantity of the goods, the buyer notifies the e-commerce server 11 and connected to the payment server 13 Apply to stop payment. The manager of the e-commerce server 11 checks the goods delivered with the buyer and checks the defects of the goods, and confirms whether the defects of the delivered goods are fatal (S216). If not fatal, mediate between the buyer and seller, and if there is a fatal fault, proceed with the transaction cancellation procedure.

That is, if the defect of the product is not fatal, such as when the quantity of the goods delivered in step S216 is less than the contracted quantity, the product price is adjusted to the amount excluding the insufficient quantity in consideration of the transaction price of the product, and the buyer And notify the seller. If both the buyer and the seller are satisfied with the adjusted commodity price, the transaction is established with that price. When the transaction is established, the e-commerce server 11 connects to the payment server 13 and informs the adjusted product price and authenticates payment so that the adjusted price can be paid to the seller (S217). The buyer also connects to the payment server 13 and authenticates payment so that the adjusted price is paid to the seller. The payment server checks the range of payment authorizations from the e-commerce server and the buyer (S224). If the payment is partially paid and the partial payment verification is confirmed from the buyer and the e-commerce server (S227), the adjusted payment is input to the seller, and the rest is the buyer. Return to (S228).

However, if there is a fatal defect in the product delivered in step S216, that is, if the specification of the product is different from the one ordered or the product is broken (S218). That is, the manager of the e-commerce server 11 checks the goods delivered with the buyer and notifies the seller if there is a fatal defect in the goods, and notifies the payment server 13 so that the transaction can be canceled.

When the transaction is canceled, the buyer returns the delivered product to the seller, and when the product returns, the seller connects to the payment server 13 to authenticate the transaction cancellation. If the transaction cancellation authentication is confirmed from the e-commerce server 11 and the seller (S229), the payment server 13 returns the money deposited in the payment account to the buyer (S230).

In the above process, if the buyer does not authenticate the payment for a certain period of time, the payment server 13 determines that there is no abnormality in the goods and pays the goods price to the seller. In addition, when canceling a transaction, if the seller does not authenticate the transaction cancellation for a certain period of time, the product is determined to be returned to the seller and the price is returned to the buyer.

While the invention has been described above based on the preferred embodiments thereof, these embodiments are intended to illustrate rather than limit the invention. It will be apparent to those skilled in the art that various changes, modifications, or adjustments to the above embodiments can be made without departing from the spirit of the invention. Therefore, the protection scope of the present invention will be limited only by the appended claims, and should be construed as including all such changes, modifications or adjustments.

According to the present invention as described above, the seller delivers the goods to the buyer after the payment of the goods price is confirmed in the buyer's account account account, and the goods price is paid to the seller only after confirming the abnormality of the goods ordered by the buyer Therefore, even if the seller and the buyer do not know each other and do not have mutual trust, there is an advantage that the e-commerce can be more secured through the trusted e-commerce company and the payment company.

Claims (5)

An e-commerce server that provides an environment for a transaction to be concluded between a seller and a buyer; Electronic devices in a system including terminals for connecting the seller and the buyer to an internet network and transmitting the intentions of the seller and the buyer to an e-commerce server or a payment server, and an internet network to which the e-commerce server and the payment server and the terminals are connected. In the payment method, A first step of, when the transaction contract is concluded between the seller and the buyer, the payment server to open the electronic transaction account account of the buyer for payment of goods; A second step of notifying the electronic commerce server and the seller of the fact that the product price is received in the account; and And a third step of paying the authenticated payment amount to the seller or the buyer when the payment verification from the buyer and the e-commerce server or the transaction cancellation authentication from the seller and the e-commerce server is confirmed. . The method of claim 1, The third step, When the purchaser and the e-commerce server authenticates the full payment, the electronic payment method on the Internet, characterized in that to pay the full price of the product to the seller. The method of claim 1, The third step, If the buyer and the e-commerce server authenticates a partial payment, the seller pays a part of the commodity price, and pays the rest to the buyer. The method of claim 1, The third step, If the seller and the e-commerce server authenticates the cancellation of the transaction, the electronic payment method on the Internet, characterized in that for returning the entire price of the product to the buyer. The method according to any one of claims 1 to 4, The third step, If the purchaser does not authenticate payment for a predetermined period or if the seller does not authenticate transaction cancellation for a predetermined period, the electronic payment method on the Internet, characterized in that the payment is paid to the seller or the buyer as a certified one. .