KR20000059253A - An Electronic Payment Method Using A Value-Added Network - Google Patents

Abstract

PURPOSE: An electronic payment method is provided to be capable of performing a finance liquidation easily at an electronic business using an internet. CONSTITUTION: In an electronic payment method, a buyer connects with a site of a web money manager prior to an electronic business(S10). After a connection, a member registration is applied, and then information of own details is inputted. Own identification and password is determined and inputted(S12). A certification key is set by inputting a maximum charge amount, a telephone number to be charged, a name and a resident registration number(S14). The buyer sends the inputted information to the web money manager. The web money manager sends the received information to a communication company in order to confirm whether the buyer is correct(S15). The web money manager registers the buyer as a registered member at own certification server(S16).

Description

An Electronic Payment Method Using A Value-Added Network

The present invention relates to a payment method for electronic commerce, and more particularly to a method for payment for electronic commerce using a value-added communication network of the main communication service provider.

In the case of e-commerce using the Internet or home shopping using a wire, a payment method that is widely used is a bank account or a credit card. Such payments, credit cards, prepaid cards, giro or automatic bank transfers are made by using electronic systems such as electronic payments or electronic funds in that they use computers such as computers without paying cash directly to the seller. Transfer). With the recent development of the IT-related industry, electronic money such as Mondex is one example.

However, such a conventional electronic payment system has a lot of limitations such as the inconvenience of using, the leakage of personal information in the authentication process, the need for a separate equipment in the authentication process, the use is controlled by adolescents or creditors.

In order to overcome this problem, a conventional electronic payment system on the Internet using ARS, an Internet payment key using E-mail, an electronic money card with a secret authentication number, etc. were used in some cases.

However, in the case of an electronic payment system using ARS, it is inconvenient to make a telephone call and access the Internet again in order to pay for a user who is placed in an environment where data communication and voice communication cannot be performed simultaneously on one telephone line. there was. In addition, the process of listening to the auto-answering voice and inputting numbers or numbers is more inefficient than inputting information on a computer.

In addition, in the case of an Internet payment key using E-mail, its use does not spread in that it is necessary to check e-mails every time and security issues regarding e-mails. In addition, even when using an electronic cash card with a secret authentication number as a means of payment, the selling place of the card is very limited, there is a problem in reuse, and it is difficult to recover when lost.

Therefore, in order to solve the above problems, and to solve the user's demand for financial settlement in electronic commerce, we intend to propose a combination of data communication and alternative currency technology by all electronic exchanges.

The present invention has been made to solve the above problems, the first object of the present invention is to provide an electronic payment method using a value-added communication network that can make more convenient financial settlement in electronic commerce using the Internet.

A second object of the present invention is to provide an electronic payment method using a value-added communication network, which guarantees reliable authentication and payment.

An object of the present invention as described above, the e-commerce company 20 receives a purchase request of the buyer 10, the billing step of charging the web money manager 30; A request step of the web money manager 30 requesting the main communication service provider 40 to verify identity and payment of the purchaser 10 through a value-added communication network; A notification step of notifying the web money manager 30 of the authentication and billing details after authentication and billing are performed through the telecommunication service provider 40 through the intelligent network telephone system 45; The web money manager 30 is a payment step of paying the e-commerce company 20; The e-commerce company 20 receiving the payment is a delivery step of delivering the goods to the buyer (10); And the billing step of charging the telephone bill of the purchaser 10 by the main communication service provider 40; It is achieved by an electronic payment method using a value-added communication network, characterized in that consisting of.

In addition, the notification step, the server 46 interworking with the intelligent network telephone system 45 accepting a request for identification and payment of the purchaser 10; Confirming whether or not authentication is made from a database (43) in which information on a customer is stored through the intelligent network telephone system (45); Charging the telephone charge by the amount corresponding to the price in the customer charge processing unit 41 which has received the authentication fact; Transmitting the billing details to the server (46); And the server 46 notifying the web money manager 30 of the authentication and billing details. It is possible to consist of.

In addition, the price is preferably within the maximum billing amount set by the purchaser 10 at the time of membership registration on the web money site.

Further, before the billing step, the purchaser 10 accesses the web money manager's 30 site and inputs an ID and a password (S10 and S12); Inputting a maximum charging limit due to an e-commerce transaction, a telephone number to be charged, the name and the social security number of the buyer (S14); The web money manager 30 confirming whether the user is the user by transmitting the input information to the main communication service provider 40; And registering the purchaser as a user in the authentication server operated by the web money manager 30 when receiving the identity confirmation from the main communication service provider 40 (S18). It is preferable to further include a registration step consisting of.

1 is a flowchart illustrating a member registration process for an electronic payment method using a value-added communication network according to an embodiment of the present invention;

2 is a schematic diagram showing an electronic payment method using a value-added communication network according to an embodiment of the present invention;

3 is a schematic window screen diagram for confirming a shopper on a web;

4 is a schematic window screen diagram for notifying the processing result of the payment in the present invention.

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

1 is a flowchart illustrating a member registration process for an electronic payment method using a value-added communication network according to an embodiment of the present invention. As shown in Figure 1, the buyer 10 is connected to the site of the web money manager 30 prior to the electronic commerce (S10). After logging in, apply for membership registration and enter your personal information. For example, first determine and input its ID and password (S12). Then, the authentication key is set by inputting the maximum billing amount generated during the transaction, the telephone number to be charged, the name of the telephone owner and the resident registration number (S14). Other information you enter may include your phone number, cell phone number, address, and date of birth.

The buyer 10 who inputs such information transmits the information to the web money manager 30. The web money manager 30 which has received such information transmits the corresponding information to the main communication service provider to check whether the user is correct (S16). At this time, the telecommunication service provider uses the customer database 42 to examine the buyer's name, address, date of birth, telephone number, and late payment. If the survey determines that the member's credit is established, the web money manager confirms it. The web money manager receiving the data registers the purchaser as a registered member or a regular user in his authentication server (not shown) (S18). This series of steps allows you to register as a full member on the web money management site.

2 is a schematic diagram showing an electronic payment method using a value-added communication network according to an embodiment of the present invention. As shown in FIG. 2, the configuration diagram schematically includes a buyer 10, an e-commerce company 20, a web money manager 30, and a backbone communication service provider 40.

The purchaser 10 is a consumer with internet access, who can purchase goods or apply for services online.

The e-commerce company 20 is a company in which a predetermined agreement has been concluded with respect to payment with the web money management company 30 in advance. In addition, by opening and operating an e-commerce site, it provides goods and services online and receives the price or service fee. To do this, a client program is installed that can accept web money.

The web money manager 30 refers to a person who collectively performs a series of tasks such as member management, authentication, and payment for the web money. Here, web money is used as a means of payment on the Internet, and is composed of a combination of letters and numbers in a certain form.

The main telecommunication service provider 40 is equipped with an intelligent network telephone system 45, a server 46 linked thereto, a computer 42, and a customer charge processor 41. The intelligent network telephone system (TDX-10 or TDX-100) 45 is interlocked with the server 46, and the server 46 is responsible for data transmission and reception with the web money manager 30. The computer 42 is composed of a database 43 into which information about a customer is input and an information processor 44 for determining whether to authenticate a real customer. The information processor 44 may be implemented by a computer in which a central processing unit (CPU, not shown) is installed. The customer charge processing unit 41 performs a function of charging the customer's telephone bill according to the authentication.

Hereinafter, an operation method of an electronic payment method using a value added communication network having the configuration as shown in FIG. 2 will be described.

First, the buyer 10 accesses the site of the e-commerce company 20 and inputs an ID and a password. The window screen schematically shown in FIG. 3 is then displayed. At this time, the window screen 50 of FIG. 3 is for checking the identity of the buyer on the web. As shown in Fig. 3, the member's ID is displayed and the telephone number 51, the maximum billing limit 53, and the amount of money 54 currently available for billing are displayed.

The purchaser 10 who has confirmed his or her identity and the billing limit as described above applies for the goods to be purchased or the service to be received (①). At this time, the information about the purchaser 10 and the price of the purchased goods, etc. are sent to the web money manager 30 from the e-commerce company 20 to request a payment (②). The web money manager 30 checks the ID and password using a certificate server (not shown) that is held, and then asks the main communication service provider 40 to verify the payment and identity of the purchaser (③).

The server 46, which is linked with the intelligent network telephone system of the main communication service provider 40, which has received a request for payment and authentication from the web money manager 30, makes a purchase request to the intelligent network telephone system 45 (④), and the intelligent network telephone system. 45 requests authentication from computer 42 (⑤). The information processing unit 44 of the computer device 42 that has received the authentication request determines whether to authenticate the purchase from the identity of the buyer and the maximum billed amount by using the database 43 in which information about the customer is stored. At this time, if the identity of the buyer is unclear, if the unpaid telephone bill is accumulated a lot, and if it is a bad trader and the purchase amount exceeds the maximum billing amount, the purchase is not authenticated.

If it is determined that the information processing unit 44 is a purchase with a requirement, the customer charge processing unit 41 confirms the authentication fact and transmits it (⑥). If the verification is confirmed, the charge is added by adding the purchase price of the product to the corresponding charge of the corresponding telephone number (⑦). This charge will then be forwarded to the buyer in the form of an invoice. When the charge ⑦ is completed, the customer charge processing unit 41 notifies the server 46 of the charge fact. Upon receiving such notification, the server 46 transmits the authentication and billing details of the purchase to the web money manager 30 (8).

Web money manager 30 receives the facts from the main communication provider 40 pays for the goods to the corresponding e-commerce company (20) (⑨). The e-commerce company 20 confirms the collection and displays the transaction result as shown in FIG. 4 to the corresponding buyer 10, and delivers the product (⑩). 4 is a schematic diagram of a window screen 60 for notifying the processing result of the payment in the present invention. As shown in FIG. 4, the URL screen 61 of the e-commerce site is displayed on the window screen 60, the billing details 64, the fees 66, and the like are displayed so that the buyer can understand that the commerce is authenticated.

Subsequently, the telecommunications carrier bills the purchase price of the goods together with the purchaser's telephone bill. Buyers who receive these notices will be able to make e-commerce transactions by remitting the amount charged through bank or direct debit.

In such a system, the web money manager may deduct a portion of the cost as a member management fee or a storage fee for a telecommunication service provider.

In addition, in such a system, access to the additional communication network is made in a web browser so that there is no inconvenience in using a separate modem.

The electronic commerce payment method described above is merely an embodiment of the present invention, and various modifications are possible in the gist of the present invention as follows.

That is, the web money manager 30 may not target only one e-commerce company 20 as shown in FIG. 2 but may target a plurality of e-commerce companies.

According to the electronic payment method using the value-added communication network according to the present invention, there is an advantage that can be more convenient financial settlement in electronic commerce using the Internet. In addition, since reliable authentication and payment is guaranteed, an e-commerce company can secure customers without anxiety.

Although the present invention has been described in connection with the above-mentioned preferred embodiments, it is possible to make various modifications or variations without departing from the spirit and scope of the invention. Accordingly, the appended claims will cover such modifications and variations as fall within the spirit of the invention.

Claims (4)

A billing step of charging the web money manager 30 by the e-commerce company 20 receiving the purchase application of the buyer 10; A request step of the web money manager 30 requesting the main communication service provider 40 to verify identity and payment of the purchaser 10 through a value-added communication network; A notification step of notifying the web money manager 30 of the authentication and billing details after authentication and billing are performed through the telecommunication service provider 40 through the intelligent network telephone system 45; The web money manager 30 is a payment step of paying the e-commerce company 20; The e-commerce company 20 receiving the payment is a delivery step of delivering the goods to the buyer (10); And A billing step of charging the main communication service provider 40 by charging the phone bill of the purchaser 10; Electronic payment method using a value-added communication network, characterized in that consisting of. The method of claim 1, wherein the notification step, Receiving, by the server 46 interworking with the intelligent network telephone system 45, a request for identification and payment of the purchaser 10; Confirming whether or not authentication is made from a database (43) in which information on a customer is stored through the intelligent network telephone system (45); Charging the telephone charge by the amount corresponding to the price in the customer charge processing unit 41 which has received the authentication fact; Transmitting the billing details to the server (46); And And the server (46) notifying the web money manager (30) of the authentication and billing details. The method of claim 1 or 2, wherein the price is within the maximum billing amount set by the purchaser (10) at the time of membership registration on the web money site. The method of claim 1 or 2, wherein before the claim step, The purchaser 10 accessing the web money manager 30 and inputting an ID and a password (S10 and S12); Inputting a maximum charging limit due to an e-commerce transaction, a telephone number to be charged, the name and the social security number of the buyer (S14); The web money manager 30 confirming whether the user is the user by transmitting the input information to the main communication service provider 40; And Registering the purchaser as a user in the authentication server operated by the web money manager 30 when receiving the identity verification from the main telecommunications provider 40 (S18); Electronic payment method using a value-added communication network characterized in that it further comprises a registration step consisting of.