KR20000063805A - System and method for sanction through electronic shopping mall on network - Google Patents

Abstract

PURPOSE: A direct settlement system and method via an electronic shopping mall on a network are provided to increase a funds revolvement, and to reduce a fee burden according to an on-line settlement, by paying the bill for an ordered product to a seller in real time in response to the payment request of a buyer on the electronic shopping mall. CONSTITUTION: A direct settlement system(40) connected to the network provides an electronic commerce via the electronic shopping mall. Each of seller terminals(85-87) is connected to the direct settlement system(40) in order to lay out the product for sale, and operates its shop. Each of buyer terminals(80-82) is connected to the direct settlement system(40) for shopping, and selects the product that the buyer wants to purchase. Each of settling company terminals(90-92) receives the data of confirmation of input money and settlement approval, and outputs the result of the confirmation thereof and the settlement approval. The direct settlement system(40) includes a web server(50), a direct settlement engine(60) and a database server(70). The web server(50) includes a controller(52), a communication part(54) and a shopping mall(56).

Description

System and method for sanction through electronic shopping mall on network}

The present invention relates to a system for direct payment through an electronic shopping mall on a network and a method thereof, and more particularly, when a buyer connects to the electronic shopping mall and pays for an order through a buyer terminal, The present invention relates to a direct payment system through an electronic shopping mall on a network, and a method of making a payment for a payment.

Due to the rapid proliferation / development of computer systems and networks, electronic shopping malls using networks have emerged as an important means of commerce.

For example, an electronic shopping mall on a network can provide desired product information and purchase information on a network to solve local, temporal and spatial constraints on shopping for various products, support online payment, and build its own logistics system.

Accordingly, the use of electronic shopping malls is on the rise due to the effect of reducing the purchase time and distribution process.

The electronic shopping mall on the network includes a mall-in- Mall electronic mall and a hub site electronic shopping mall.

1 is a relationship diagram of a mall-in-mall electronic shopping mall on a network according to the prior art.

In detail, the electronic shopping mall 12 on the network operates, manages, and sells the electronic shopping mall operating company 10 to receive the products of the plurality of store sellers 15, and the electronic shopping mall operating company ( 10) is a relationship diagram of a mall electronic mall that pays for the shop seller 15, and corresponds to a large online distribution company or most electronic shopping malls.

Referring to the drawings, the electronic shopping mall operating company 10 operating the electronic shopping mall 12 on the network is provided by the contract to enter the goods of the plurality of shop sellers 15 (ST100).

The electronic shopping mall operating company 10 enables electronic commerce on the network through the operation of the electronic shopping mall 12 and the management of entry products (product registration, update, deletion, etc.) and sales. (ST110)

The purchaser 17 accesses the electronic shopping mall 12 using the purchaser terminal to shop, selects a product to be purchased and pays the order. (ST120)

The electronic shopping mall operating company 10 receives the product price sold through the electronic shopping mall 12 from the settlement company collectively. (ST125)

The store seller 15 delivers the goods ordered from the electronic shopping mall 12 to the buyer 17 by the product delivery notification (telephone or mail) of the electronic shopping mall operating company 10. (ST130)

Thereafter, the electronic shopping mall operating company 10 sells the merchandise to the store seller 15 in the electronic shopping mall 12 and pays for the delivered goods. (ST140)

2 is a relational diagram of a hub site electronic shopping mall composed of a plurality of shops and shops according to the prior art.

In detail, the electronic shopping mall 22 on the network allows the store seller 25 to directly manage and operate a product (a product registration, deletion, update, price change, etc.) by providing a product to its shopping shop (a shopping corner or a single shopping mall site). In addition, the electronic shopping mall operating company 20 manages and sells the electronic shopping mall 22, and a conventional hub site electronic shopping mall 22 composed of a plurality of shopping shops in which payment is made to the store seller 25 for the delivered and sold products. )to be.

Referring to the drawings, the store seller 25 enters and manages the product in his or her shopping shop through the store seller terminal in the electronic store 22 managed by the electronic shopping mall operating company 20 on the network. (ST200)

In the following electronic shopping mall 22, the order / payment relationship of the buyer 27 (ST220) and the relationship between the electronic shopping mall operating company 20 and payment of the goods payment to the shop seller 25 (ST225) (ST240) and shop seller 25, the order to the buyer 27, the delivery relationship (ST230) is the same as Figure 1 will be omitted.

The electronic shopping mall 22 of the hub site on the network guarantees autonomy of the entry products and contents through the management of the shop by the store seller 25, and the electronic shopping mall operating company 20 has the minimum number of people. ) Can be managed, operated, and sold, partially cost-effective.

However, in such a conventional electronic shopping mall (12) (22), the purchaser's online payment is the payment to the electronic shopping mall operating company, and again the product payment to the store seller in the electronic shopping mall operating company, the payment period required There was a problem that there was a delay due to (approximately 10 days to a month) and duplicate fees (billing company fee and electronic shopping mall operator fee) were charged.

In addition, the delay in the payment of goods to the seller of the purchaser's settlement causes instability in the rotation of funds of the store's sellers who have a burden on logistics and inventory. Since it means commerce, it is burdened with money.

The burden of funds of the store sellers had a problem of raising the selling price of the product.

In addition, the existing electronic shopping mall causes a large number of professionals and high costs according to the management, operation and payment of the shopping mall, and as a result, there is a problem of transferring the burden to the store seller and the buyer.

Accordingly, an object of the present invention is to solve the above-described general problems, and when a buyer accesses an electronic shopping mall using a purchaser terminal through a network and shops, the buyer selects a product to purchase and pays the order in real time. By requesting payment confirmation or payment approval to the payment company terminal to make payment for the ordered product to the seller, the order payment data including the payment confirmation or payment approval of the purchaser is generated to the payment seller terminal. It is to provide a direct connection system through an electronic shopping mall that can be transmitted.

Another object of the present invention is to process a request for payment confirmation or approval of payment to the payment company terminal so that payment can be made to the ordering seller in real time at the time of payment of the buyer through the electronic shopping mall on the network, It is to implement a direct payment method through the electronic shopping mall on the network that can output and send the order payment data including the payment confirmation or payment approval details to the seller terminal.

1 is a relationship diagram of a mall-in-mall electronic shopping mall on a network according to the prior art;

2 is a relational diagram in a hub site electronic shopping mall composed of a plurality of shops shop shop according to the prior art,

3 is a relationship diagram in a direct connection system through an electronic shopping mall on a network to which the present invention is applied;

Figure 4 is a block diagram of a direct connection system through an electronic shopping mall according to an embodiment of the present invention,

5 is a flowchart illustrating a direct connection method through an electronic shopping mall according to an embodiment of the present invention;

FIG. 6 is a flowchart for confirming payment of a plurality of different shop seller products in FIG. 5;

7 is a block diagram of an electronic order form displayed on the buyer terminal in FIG.

* Explanation of symbols for the main parts of the drawings

40: direct connection system 50: web server

52: control unit 54: communication unit

56: shopping mall 60: direct delivery engine

62: order unit 64: settlement unit

70: database server 72: user database

74: store seller database 76: management database

80, 81, 82: buyer terminal 85, 86, 87: shop seller terminal

90, 91, 92: payment company terminal

According to one aspect of the present invention for achieving the above object,

It is connected to a buyer terminal, a store seller terminal and a settlement company terminal through a network, operates a shopping mall, and orders a product that a buyer wants to purchase by accessing the shopping mall through the buyer terminal at the store seller terminal in real time. A web server for controlling payment for the goods; Under the control of the web server, when the purchaser terminal selects a product to be purchased, the payment information of the entry seller corresponding to the selected product is extracted and output to the electronic order, and the order including payment settlement details in the entry seller terminal in real time. A direct payment engine for outputting payment data; The direct payment engine stores the specific payment information of the store seller so that the direct payment is made to the store seller in real time with respect to the purchaser's order settlement, and the information required for the direct settlement of the electronic shopping mall under the control of the web server and the operation of the electronic shopping mall It consists of a database server that stores information.

In a preferred embodiment of this aspect, the web server,

A control unit for controlling a direct connection function of the direct connection system through the electronic shopping mall; A communication unit for performing communication between the purchaser terminal, the shop seller terminal, and the payment company terminal, and performs a mail / message / calling function; It allows the buyer to electronically shop through the purchaser terminal, enable the shop seller to check product update or order payment data through the shop seller terminal, and include a shopping mall consisting of goods of a plurality of shop sellers.

In a preferred embodiment of this feature, the direct connection engine,

When the buyer receives the order intention for the product selected in the shopping mall through the purchaser terminal, the database server retrieves and extracts payment information from the database server to make payment to the shop seller, and the extracted payment information and the selected product order information. An order unit for outputting an electronic order form including; When the payment confirmation or payment approval is received from the payment company terminal, it comprises a settlement unit for outputting the order payment data including the payment confirmation or payment approval details.

In a preferred embodiment of this feature, the database server,

A user database that stores member usage information including basic member information stored by receiving a member's basic information and members' points or grades updated according to the use of the shopping mall when the buyer registers as a member using the buyer terminal. Wow; When the seller registers as a seller seller member using the store seller terminal, the basic seller information including the business number, the deliverable region, the store product information, the store shop information, the transaction performance information, the bank transfer account information / credit An entry seller database for receiving and storing payment information for the affiliate store number according to the card affiliate store number / other affiliate settlement means; The web server stores payment management information including affiliated payment company information, credit card company information, bank information, and order payment data by e-commerce for accessing the payment company terminal to request and process payment confirmation or approval. It is configured to include a management database.

According to another feature of the present invention for achieving the above object,

An access step of allowing a purchaser terminal to access a shopping mall through a network; After the connection step, the buyer selects a product to purchase and transmits an order intention, and the direct payment engine extracts the payment information from the database server to allow the seller to pay the bill, and includes the extracted payment information and product information. An order step of displaying the electronic order on the purchaser terminal; After the ordering step, the purchaser terminal selects a payment method and checks whether the payment is confirmed or approved by the payment method according to the payment method and the extracted payment information. Steps; If the payment is confirmed or approved by the payment company terminal after the payment processing step, the direct payment engine to generate the order payment data including the billing payment history, and transmits the generated order payment data to the entry seller terminal Perform the steps.

In a preferred embodiment of this feature, the connecting step is

A member registration step for assigning points or grades according to the use of the buyer, and performing point- or grade-specific service management including a differential price presentation service or a discount service or an alternative payment service according to points or grades; Confirming member authentication by receiving input information for confirming member authentication from the registered purchaser through the buyer terminal; If the member authentication is confirmed, the web server performs a step of extracting the member points or ratings from the database server, and allowing the login to the shopping mall that performs a differentiated service according to the extracted points or ratings.

In a preferred embodiment of this feature, the connecting step is

An entry seller registration step for placing the product in a shop (corner) of the entry seller and performing management operations such as product update, product deletion and price change, and order confirmation; Confirming member authentication by receiving input information for confirming member authentication from the registered shop seller through the shop seller terminal; When the member authentication is confirmed, the web server extracts the member information from the database server, and allows the login to the electronic shopping mall authorized for the management operation according to the extracted member information.

In a preferred embodiment of this feature, the payment information in the ordering step,

This is the payment information to make payment to the seller according to the selected product.It consists of the account information of each seller's bank according to the transfer and the attribute information used to settle the credit card / other affiliate payment method. If selected, it consists of account information according to the shopping mall integrated transfer and the attribute information of the entry seller for each selected product.

In a preferred embodiment of this feature, in the payment processing step,

In the approval of payment for a plurality of different store seller products, the settlement company terminal checks whether the payment of the product price for each store seller is approved according to the extracted payment information and performs the settlement process.

In a preferred embodiment of this feature, in the payment processing step,

In the payment confirmation for a plurality of different sellers of goods, if the payment of the goods price from the payment company terminal, the transfer step of requesting and processing the automatic transfer of goods price to the account of each seller in the payment company terminal in real time Including to perform.

In a preferred embodiment of this feature, in the transmitting step,

And storing the order settlement data in a user database of a database server, a store seller database, or a management database.

(Example)

An embodiment of the present invention will be described in detail with reference to the accompanying drawings.

3 is a relationship diagram in a direct connection system through an electronic shopping mall on a network to which the present invention is applied.

More specifically, a plurality of store sellers 35 directly manages and operates a product in their shopping shops at the electronic shopping mall 32 operated by the electronic shopping mall operating company 30 on the network (ST325), and the buyer (37). ) Is a relationship diagram in the direct payment system through the electronic shopping mall on the network where the payment is made to the shop seller 35 in real time (ST320).

Referring to the drawings, the store seller 35 enters the product through the store seller terminal in the shop of the electronic store 32 operated by the electronic store management company 30 on the network, and registers, updates, and deletes the product. And price changes. (ST300)

The shopping mall management company 30 performs shopping mall management (DB management, system management, etc.) to become an efficient electronic shopping mall 32. (ST310)

The purchaser 37 accesses the electronic shopping mall 32 through the purchaser terminal to shop, selects a product to purchase, and pays for the order. (ST320)

The shopping mall 32 processes payment for the purchaser 37's payment in real time to the shop seller 35 and pays the shop seller 35 for payment details (credit card information input or payer's name). The data will be transmitted. (ST325)

The entry seller 35 will deliver the ordered product to the purchaser 37. (ST330)

The rapid settlement of the payment of the purchaser 35 according to the purchaser 37's order payment is performed by the electronic shopping mall 30 due to the maximization of the rotation of funds and the minimization of the fee burden due to the online payment. The sense of ownership can be strengthened, and competitiveness can be secured by improving service, quality and price.

In addition, the electronic shopping mall operating company 30 has the effect of reducing the minimum number of people and management costs, it will be able to contribute to the activation of the electronic shopping mall to create a substantial benefit to the buyer.

Figure 4 is a block diagram of a direct connection system through an electronic shopping mall according to an embodiment of the present invention.

Referring to the drawings, a plurality of users connected to a network through an electronic shopping mall for providing electronic commerce and the product connected to the direct connection system 40 to enter a product and operate their own shopping shop Payments are confirmed or paid by the purchaser terminals 80 to 82 and the direct connection system 40 for shopping by connecting to the store entrance terminals 85 to 87 and the direct connection system 40, and selecting a desired product. It is composed of payment terminal terminals 90 to 92 that receive the approval and output the result according to the payment confirmation or payment approval, all of which are connected by wired or wireless network.

The direct connection system 40 through the electronic shopping mall includes a web server 50, a direct connection engine 60, and a database server 70.

The web server 50 includes a controller 52, a communication unit 54, and a shopping mall 56.

The control unit 52 controls the direct connection function and system in the direct connection system 40 through the electronic shopping mall.

The communication unit 54 performs communication between the purchaser terminals 80 to 82, the shop seller terminals 85 to 87, and the settlement company terminals 90 to 92, and performs mail / message / calling functions.

In addition, the shopping mall 56 allows a shopper to electronically shop through the purchaser terminals 80 to 82, and a shop seller can manage the operation of the shop or order payment data through the shop seller terminals 85 to 87. It consists of a plurality of store sellers' products that are provided for electronic commerce.

Here, the order settlement data is data generated by the purchaser according to the order settlement in the shopping mall, and consists of contents of the electronic commerce including order product information and payment details.

Specifically, the web server 50 is one or more of the plurality of buyer terminal (80 ~ 82) is connected to the shopping mall 56 through the network to shop, to purchase from the buyer terminal (80 ~ 82) Select a product to order.

After the order, the web server 50 to extract the payment information to the entry sellers to pay for the goods selected by the buyer through the direct payment engine 60, the electronic including the extracted payment information and product order information The order is received and displayed on the purchaser terminal 80 to 82.

Here, the payment information is composed of account information for each bank according to the transfer of the shop seller according to the selected product and attribute information used for payment of a credit card / other affiliate payment method.

In addition, when a plurality of different store seller products are selected, account information according to the shopping mall integrated transfer and attribute information of the store seller for each product are included.

In addition, the attribute information means a data processing attribute value (session function) that the purchaser requests to the payment company terminal 90 to 92 for approval from the merchant seller's affiliate store number when the purchaser pays with a credit card or other affiliate payment means.

After the electronic order is sent, the web server 50 that receives the order information (general information according to the delivery) and payment details (payment method selection and payment means description) from the purchaser terminal 80 to 82 receives the payment details. Access to the payment company terminal (90 ~ 92) through the communication unit 54 requests a payment confirmation or payment approval.

After the payment confirmation or payment approval request, the web server 50 that has received the payment confirmation or payment approval from the payment company terminal (90 ~ 92), the order payment data including the payment confirmation or payment approval details, the direct payment Generated through the engine 60, and stores the generated order payment data in the database server 70 and at the same time to the store seller terminal (85 ~ 87).

The direct connection engine 60 includes an ordering unit 62 and a closing unit 64.

Here, when the purchaser 62 receives a purchase intention for the product to be purchased in the shopping mall 56 from the web server 50, the purchaser pays the payment to the store seller in real time for the product selected by the buyer. The information is retrieved from the database server, extracted, and the electronic server including the extracted payment information and the selected product information is provided to the web server 50.

Here, the settlement unit 66 includes the payment confirmation or payment approval details of the payment when the web server 50 receives the result of the payment confirmation or payment approval from the payment company terminal (90, 91, 92). Generated order payment data is provided to the web server (50).

The database server 70 includes a user database 72, a store seller database 74, and a management database 76.

Here, the user database 72 is a member by using the purchaser terminal (80 ~ 82) when the purchaser joins as a member, the basic information of the member is stored and the member points or grades updated according to the use of the shopping mall Stores the usage information for each member including a.

Here, the shop seller database 74 is a shop shop member using the shop seller terminals 85 to 87, the basic shop seller information including the business number, the delivery area, shop goods information, and information about the electronic shopping mall shopping shop. Enter and store card merchant number, bank account number, and other payment information.

Herein, the management database 76 may include the cyber money information, the credit card company information, the bank information, which the web server 50 accesses to the payment company terminals 90 to 92, and processes the payment according to the payment confirmation or payment approval. Payment management information including other payment company information and order payment data generated by electronic commerce and data according to shopping mall operation are stored.

Although the plurality of purchaser terminals 80 to 82 are connected to the direct payment system 40 through a network, they are not shown as a user terminal provided with an electronic commerce by shopping for an order to purchase a product to be purchased, but through a network. Network means and a browser for connecting to the shopping mall direct connection system 40 is provided.

In addition, the purchaser terminal 80 to 82 is a terminal that can use electronic commerce based on the network, and includes a portable personal digital assistant (PDA), a computer system, a mobile phone, and an Internet TV.

The plurality of shop seller terminals 85 to 87 are not shown as a shop seller's terminal that stores a product in the electronic shopping mall 56 or manages its own shop and transmits and receives e-commerce contents. A network means and a browser for connecting to the shopping mall direct connection system 40 are provided.

In addition, the store seller terminal (85 ~ 87) includes a computer system capable of transmitting and receiving with the direct connection system 40, a portable personal digital assistant (PDA), a mobile phone, an Internet TV, a hand PC and the like based on the network.

5 is a flowchart illustrating a direct connection method through an electronic shopping mall according to an embodiment of the present invention.

This procedure is performed by the web server 52, the communication unit 54, the direct connection engine 60 and the database server 70 in response to the operation of the purchaser terminals 80 to 82 and the payment company terminals 90 to 92. As a program for processing, this program is provided in the database server 70 (or the web server 50).

Referring to the drawing, the plurality of purchaser terminals 80 to 82 are connected to the shopping mall 56 through a network in step ST400.

In step ST410, the connected purchaser terminal 80 to 82 selects a product to be purchased, and one or more products can be selected, and the selected product can be ordered by the database server 70 of the direct connection system 40. Is stored temporarily).

Step ST420 is a step of confirming the order intention of the selected product from the buyer terminal (80 to 82), the order doctor confirms by using the toolbar ('ordering' icon selection, etc.) of the shopping mall.

In step ST430, the payment information from the direct payment engine 60 is extracted from the database server so that the payment is made to the store seller in real time for payment of the buyer's order, and the extracted payment information and the product order information are included. The order is displayed on the purchaser terminal 80 to 82, and the purchaser receives a description of the goods delivery (information according to the delivery) and the payment details (payment means such as payment means, card type, and card number).

The extracted payment information includes bank account information according to a product-specific transfer and attribute information used when paying a credit card or other affiliate payment means.

When the buyer selects a single product or a plurality of identical store seller products and pays for the order, the direct payment engine 60 includes the bank-specific account information and the attribute information according to the transfer of the store seller corresponding to the selected product. Extract the information.

When the buyer selects a plurality of products of different store sellers, the direct payment engine 60 extracts payment information from the database server, including account information for each shopping mall integrated transfer bank and attribute information for each store seller corresponding to the product.

Here, when the buyer selects a plurality of products and pays in bulk, the purchaser may order as well as use a single payment means (cyber money and card payment, a plurality of card payments).

Step ST435 is a step of confirming the payment method of the electronic order from the purchaser terminal 80 to 82. The payment method includes bank payment, credit card payment, and other affiliate payment methods. Use the radio button to select the drop menu.

In the verification step of step ST435, in the case of a bank transfer method, the procedure proceeds to step ST440, and the payment company terminal (90 to 92) through the network based on the name of the bank and the account and the depositor selected by the buyer to deposit the electronic document. Request a deposit confirmation.

In step ST450, the result of the payment confirmation is output from the payment company terminal 90 to 92. When the payment confirmation for the payment details is confirmed, the procedure is shifted to step ST500. A week, etc.) is moved to step ST440 at regular intervals (1 minute, 10 minutes, 30 minutes, 1 hour, etc.).

In the verification step of step ST435, if the payment method is a credit card or other cyber money or affiliate payment means, etc., this procedure moves to step ST470 and is connected to the payment company terminals 90 to 92 via the network and described in the electronic document. The purchase approval information (or selected payment method and means) is requested as approval information (or attribute information) of the seller of each shop by order goods.

The purchaser pays for the payment of different shopkeepers by requesting and approving the approval of the shopkeeper for the shopper for each ordered product according to one-time card payment or payment of other payment means in the purchase of a plurality of different shoppers' goods. And direct connection.

In step ST480, the payment approval is output from the payment company terminals 90 to 92. When the approval is approved, the procedure goes to step ST490 to receive the payment information including payment approval details from the direct payment engine 60. If the payment is not approved in step ST480, the processing is terminated with a notice of unapproval message in the purchaser terminal 80 to 82 (or the process moves to step ST430).

In step ST500, the buyer's order payment data including the payment confirmation or payment approval history generated from the direct payment engine 60 is transmitted to the store seller terminals 85 to 87, and stored in the database server 70.

The direct connection system 40 may allow the buyer to select a delivery area before step ST410 in order to facilitate the characteristics of the goods entering the electronic shopping mall 56 and the convenience of the buyer's product selection.

In addition, in the case of entry products (such as food for ordering, delivery of flower shops, small sellers' products, designated items for delivery limit, etc.) of store sellers that have characteristics that can be delivered in a certain region, they can be stored in store seller database 74. After extracting the region, when the buyer selects the region, it can be configured by displaying it on the purchaser terminal as a shopping shop (product of the store seller) that can be shipped (sold) to the region.

FIG. 6 is a flowchart illustrating deposit confirmation for a plurality of different shop seller products in FIG. 5.

Referring to the drawing, step ST440 is a step for requesting payment confirmation to the payment company terminals 90 to 92 through the network for the shopping mall integrated transfer account selected by the buyer.

In step ST450, the result of the payment confirmation is output from the payment company terminal 90 to 92. When the payment confirmation is made on the payment history of the buyer, the procedure moves to step ST460 to transfer the goods price for the ordered product to the account of the shop seller. Request and process the payment company's terminal (90 ~ 92), and if the payment is confirmed for the payment details go to step ST440 for a certain period (10 minutes, 30 minutes, 1 hour, etc.) for a certain period (1 day, 1 week, etc.) do.

The purchaser enables payment in real time to different sellers through a single account transfer (bank transfer) in ordering payment for a plurality of different sellers' goods.

Step ST490 is to generate the order payment data for each shop seller including the payment confirmation details from the direct payment engine 60, the procedure is to go to step ST500, including the payment confirmation details generated from the direct payment engine (60) The order settlement data for each shop seller are transmitted to the shop seller terminals 85 to 87 and stored in the database server 70.

7 is a block diagram of an electronic order form displayed on the buyer terminal in FIG.

The electronic order includes product order information 100 and payment information 200.

Here, the product order information 100 and the payment information 200 may constitute a column as many as the number of selected products. If one column of information (name, delivery date, contact, memo, payment details, etc.) is entered, the contents of the other column are automatically entered, but if the buyer directly inputs different information in the other column, it is immediately reflected as different information.

This allows the purchaser to conveniently place an order by selecting a plurality of products and selecting a different delivery area and distributing the purchaser's payment details (such as using a plurality of payment methods).

The payment information 200 may be variously selected in a payment method 210 by selecting a payment method (such as clicking a radio button) in partnership with payment companies 90, 91, and 92.

If you select a combo box of the settlement bank selection of the bank settlement column 220 with a mouse, the transfer account of the deposit seller of the selected product or the account of the integrated transfer bank of the shopping mall is outputted for selection.

In the card settlement column 230 and cyber money 240 to enter the payment history (card number, expiration date, etc.) of the buyer. The payment means (bank payment, card payment, other alliance payment means) and payment details (payer's name, card number, etc.) listed are connected to the corresponding payment company's terminal (90, 91, 92) through the network Payment approval is requested using the seller's attribute information.

In addition, it is possible to prepare and operate the electronic order by step in the preparation and operation of the electronic order. Here, step-by-step electronic order creation and operation receives and receives the product order information and payment information of the buyer through the screen movement step by step. The received inputs are processed in real time and displayed on the buyer's terminal for confirmation. As such, in the purchaser's electronic order creation step (step ST430), various modifications can be made to provide convenience for the user environment.

Although the preferred embodiment of the present invention has been described above, the present invention may use various changes, modifications, and equivalents. It is clear that the present invention can be applied in the same manner by appropriately modifying the above embodiments. Accordingly, the above description does not limit the scope of the invention as defined by the limitations of the following claims.

As described above, the direct payment system and the method through the electronic shopping mall on the network of the present invention by providing the payment to the entry seller for the ordered goods in real time for the purchaser's order payment in the electronic shopping mall on the network, the funds in the e-commerce Maximizing the turnover and minimizing the fee burden due to online payment can provide substantial benefits to the shoppers and buyers.

In the present invention, when the buyer collectively purchases a plurality of different store sellers' products in the electronic commerce on the network, the purchaser of the store sellers and sellers can be directly connected on the web by real-time payment of the store sellers by product through one-time payment. It is effective to implement without any hassle.

In addition, the present invention has the effect of contributing to the activation of electronic commerce by securing a competitive power by improving the service, quality, price to the owner of the shop owner.

In addition, the present invention is easy to manage and operate the electronic shopping mall with a minimum number of people will also be effective in reducing the management cost.

Claims (9)

It is connected to a buyer terminal, a store seller terminal and a settlement company terminal through a network, operates a shopping mall, and orders a product that a buyer wants to purchase by accessing the shopping mall through the buyer terminal at the store seller terminal in real time. A web server for controlling payment for the goods; Under the control of the web server, when the purchaser terminal selects a product to be purchased, the payment information of the entry seller corresponding to the selected product is extracted and output to the electronic order, and the order including payment settlement details in the entry seller terminal in real time. A direct payment engine for outputting payment data; The direct payment engine stores the specific payment information of the store seller so that the direct payment is made to the store seller in real time with respect to the purchaser's order settlement, and the information required for the direct settlement of the electronic shopping mall under the control of the web server and the operation of the electronic shopping mall Direct connection system through an electronic shopping mall, characterized in that consisting of a database server for storing information The method of claim 1, wherein the web server, A control unit controlling a direct connection function of the direct connection system through the shopping mall; A communication unit for performing communication between the purchaser terminal, the shop seller terminal, and the payment company terminal, and performs a mail / message / calling function; It allows the buyer to electronically shop through the purchaser terminal, the store seller to check the product update or order payment data through the store seller terminal, and comprises a shopping mall consisting of a plurality of store sellers of goods Direct connection system through an electronic shopping mall. The method of claim 1, wherein the direct connection engine, When the purchaser receives an order intention for the product selected in the shopping mall through the purchaser terminal, the database server retrieves and extracts payment information from the database server for payment to the store seller, and extracts the payment information and the selected product. An order unit which outputs an electronic order form including information; If the payment settlement confirmation or approval from the payment company terminal, the payment system through the electronic shopping mall, characterized in that it comprises a settlement unit for outputting payment data including the payment confirmation or payment approval details. The method of claim 1, wherein the database server, A user database that stores member usage information including basic member information stored by receiving a member's basic information and members' points or grades updated according to the use of the shopping mall when the buyer registers as a member using the buyer terminal. Wow; When the seller registers as a seller seller member using the store seller terminal, the basic seller information including the business number, the deliverable region, the store product information, the shopping shop information, the transaction performance information, the bank transfer account information, and the credit card Direct payment system through an electronic shopping mall, characterized in that it comprises a store merchant database for receiving and storing payment information for the merchant number according to the merchant number and other affiliate payment means. An access step of allowing a purchaser terminal to access a shopping mall through a network; After the connection step, the buyer selects a product to purchase and transmits an order intention, and the direct payment engine extracts payment information from the database server for the payment to the store seller, and extracts the extracted payment information and the selected product information. An ordering step of displaying an electronic order including the order on the purchaser terminal; After the ordering step, the purchaser terminal selects a payment method and checks whether the payment is confirmed or approved by the payment method according to the payment method and the extracted payment information. Wow; If the payment is confirmed or approved by the payment company terminal after the payment processing step, the direct payment engine to generate the order payment data including the billing payment history, and transmits the generated order payment data to the entry seller terminal Direct connection method through an electronic shopping mall, characterized in that for performing the step. The method of claim 5, wherein the connecting step, A membership step for assigning points or grades according to the use of the buyer and performing point or grade-specific service management including a differential price presentation service or a discount service or an alternative payment service according to points or grades; Confirming member authentication by receiving input information for confirming member authentication from the registered purchaser through the buyer terminal; If the member authentication is confirmed, the web server extracts the member points or grades from the database server, and allowing login to the shopping mall that performs a differentiated service according to the extracted points or grades. Direct connection method through an electronic shopping mall characterized in that. The method of claim 5, wherein the payment information in the ordering step, It is the settlement information of the store seller according to the selected product, and consists of account information by bank and attribute information used when paying by credit card or other affiliate payment method.If a plurality of different store seller products are selected, the account information and product by integrated transfer of shopping mall are selected. Direct connection method through an electronic shopping mall, characterized in that the attribute information of the seller of the store. According to claim 5, In the payment processing step, In the approval of a plurality of different store seller products, Direct payment system through the electronic shopping mall, characterized in that the payment process by confirming to the payment company terminal whether the approval of the payment of goods per shop seller according to the extracted payment information. According to claim 5, In the payment processing step, In the confirmation of payment for a plurality of different store seller products, When the payment of the goods price is confirmed from the payment company terminal, the payment company terminal further comprises a transfer step of requesting and processing the automatic transfer of the goods price to the account of each shop seller in real time through the electronic shopping mall Direct Connect System.