KR20010000819A - E-Commerce method by online B2B purchasing card for direct channel management - Google Patents

Abstract

PURPOSE: A B2B EC(electronic commercial) method on a direct network using a buying card is provided to electronically process all transactions among a bank, a seller and a buyer using the system for a business-to-business buy card on the internet, by processing the procedures of a buy request, an order and delivery between the companies via the internet. CONSTITUTION: A buyer company accesses the web server for a seller company(S301). It is checked if the buyer company is a member, and thereby the buyer company is authenticated(S302). The detailed information of the product for same is displayed on a web site(S304). The additional service such as a community and an auction is offered(S305). When the order for buying the product is received after an authentication procedure, the data of the order is stored in a database(S306). The database may stored the information of various additional services for the buyer company such as a mileage point. It is checked if the product corresponding to the product ordered by the buyer company is delivered(S307). The price of the ordered product is paid(S308).

Description

E-Commerce method by online B2B purchasing card for direct channel management}

The present invention relates to an electronic payment system and a method of operating the commerce between companies on the Internet. More specifically, the present invention relates to an inter-company company on the Internet that electronically processes transaction activity of a product having a different credit date and reduces processing costs of the company. A method of performing e-commerce.

In general, electronic commerce refers to a network-based cyber commerce that advertises or sells goods or services through the Internet. Recently, the number of use of the commerce has exploded around developed countries.

In the conventional payment system of retail commerce, a seller provides a product to a buyer and provides a credit for a certain period of time, so that the seller pays not only the financial cost but also the payment date for executing the payment. There is a problem that the processing cost such as management and payment process through offline to the buyer is kept excessive and complex.

As a result, it was virtually impossible for a seller to manage a number of retailers targeting end consumers, and the system was complicated because products were sold through multiple distribution channels.

Accordingly, the present invention is to solve the problems of the prior art as described above, the object of the present invention is that the conventional purchase request, order and delivery process that occurs in the inter-company transaction, unlike the Internet and the telephone network and visits were dependent on Processing time, which can reduce processing time and costs, and banks, while traditional inter-business transactions have increased the financial burden of the seller's credit offering, the buyer's credit period, and the possibility of causing corporate bankruptcy, This is to electronically process all transactions between seller, seller and buyer using internet B2B purchase card system.

1 is a block diagram of an electronic commerce system using a B2B purchase card in the Internet according to an embodiment of the present invention,

2 is a diagram illustrating a distribution network control for each subject of an e-commerce system using a B2B purchase card in the Internet according to an embodiment of the present invention.

FIG. 3 is a flowchart showing an actual transaction form of a purchasing company on the Internet web shown in FIG. 2.

※ Explanation of code about main part of drawing ※

110: selling company 120: buying company

130: Product Provider 140: Bank

According to the present invention for achieving the above object, a method for electronic commerce over the Internet, the method comprising the steps of: (A) a buyer connecting to the server for electronic commerce over the Internet; When it is confirmed that the user through the user authentication process, the buyer enters the desired product; order consisting of: (B) When the buyer is confirmed that the user through the user authentication process, the purchase card issued by the bank Inputting a card number assigned to the electronic commerce server; According to the credit limit of the purchase card corresponding to the card number, payment of the order (delivery) price on the Internet; comprising: (C) the operation of the server for the electronic commerce server purchases the purchase Transmitting the delivery details to the bank that issued the card in an electronic method (EDI: Electronic Data Interchange); The bank provides an online payment of a delivery fee excluding a certain fee according to the received delivery history; an actual e-commerce payment settlement procedure is performed, including: an electronic commerce method using the Internet is provided. .

CLAIMS What is claimed is: 1. A method of electronic commerce over the Internet, the method comprising: (A) a seller accessing a server for electronic commerce over the Internet; When it is confirmed that the user through the user authentication process, the step of inputting the goods to be delivered by the seller; Product order procedure comprising: (B) If the goods are delivered to the operating entity of the server for e-commerce, the electronic The operation subject of the server for commerce is a payment order for payment of an order (delivery) price on the Internet according to the credit limit of a purchase card issued by a bank: (C) The operator of the server for e-commerce may use the purchase card. Transmitting the delivery history to the bank that issued the certificate in an electronic method (EDI: Electronic Data Interchange); The bank according to the received delivery history, the payment of the delivery fee excluding a certain fee online to the seller; the actual delivery payment settlement made, including: e-commerce method using the Internet, characterized in that made This is provided.

Hereinafter, an electronic commerce method using a B2B purchase card in the Internet according to an embodiment of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of an electronic commerce system using a B2B purchase card on the Internet according to an embodiment of the present invention, which is a sales company 110 that connects a buyer and a seller by building a website, and intends to purchase a product. Purchasing company 120, a product supplier 130 to sell the product and the purchaser 120 and the bank 140 that performs the payment function using the B2B purchase card between the product supplier 130. .

This will be described in detail as follows.

First, the sales company 110 operates a web B2B purchase card system and installs a web server on the Internet to display a catalog of products to be sold on a web server.

The purchasing company 120 accesses an internet web server installed by the selling company 110 and performs a user authentication process. When the purchasing company 120 refers to a catalog of a product and makes a purchase order for a suitable product, the selling company 110 ) Will deliver the product to the purchasing company 120. (①) Here, it is assumed that the delivery date is D day for convenience.

Subsequently, when the product is delivered, the purchasing company 120 pays the delivery price with the purchase card issued from the bank 140. (②)

Then, after a suitable period passes from the settlement date (assuming D + 1 day for convenience), if the selling company 110 transmits the delivery history to the bank 140 that issued the purchase card settled by the purchasing company (③ ), The actual payment is made to the selling company 110. (④, the actual payment may be made after D + 2 days after one day.) In this case, the selling company and the bank make a payment in advance through an agreement. Credit limit for payment can be set.

Subsequently, after a certain credit period passes (assuming D + 35 days for convenience in this embodiment), the bank 140 requests the purchaser 120 to pay for the product (6) and receives such a message. The purchasing company 120 makes a payment for the product to the bank 140. On the other hand, the credit period may be set variously for each product.

That is, the bank 140 issues a purchase card to the plurality of purchasing companies 120 through a business alliance between the selling company 110 and the bank 140, and the purchasing company 120 is issued. A purchase card is used to purchase a product from the selling company 110. In this case, the conclusion of a transaction is made through real-time limit approval through the bank 140 for each sales case. When the selling company 110 transmits the delivery details to the bank 140 by an electronic method (EDI), the bank 140 pays the selling company 110 for a delivery fee excluding a certain fee. Thereafter, the purchasing company 120 pays the purchase price purchased from the selling company 110 to the bank 140 after a credit period set differently according to the purchased product. On the other hand, the bank 140 notifies the purchaser 120 of the designated payment day by e-mail or mobile phone means.

In addition, when the selling company 110 has a product purchase order from the purchasing company 120, a corresponding product must be delivered from the product supplier 130. This process will be described below.

First, when the product supplier 130 delivers the product to the selling company (D day), the selling company 110 pays the delivery price with the purchase card issued from the bank 140. (⑧)

Subsequently, when the selling company 110 transmits the delivery history to the bank 140 (⑨), the bank performs payment by referring to the delivery history.

And, after a certain credit period (in this embodiment, it is assumed for convenience D + 35 days), the bank 140 is paid for the fee at the same time as the payment from the product supplier 130. (⑪, ⑫)

That is, using the purchase card issued from the bank 140, the product is delivered from the product supplier 130 and the details of the payment with the purchase card are transmitted to the bank 140 in a pre-built electronic method (EDI). In this case, the bank 140 pays the delivery price excluding a predetermined fee to the product supplier 130. Thereafter, the selling company 110 is to pay the purchase price purchased from the product supplier 130 to the bank 140.

On the other hand, looking at this from the point of view of the purchase card, the sales company 110, which is the main agent of the e-commerce system using the B2B purchase card on the Internet, will use the purchase card in two roles. That is, it is used as a means for making a payment when purchasing a product for sale (original purchase, ⑧) and as a means for receiving a payment when selling the ordered product to the purchasing company 120 (reverse purchase, ②).

The purchase card contains information for making a payment on a server in charge of the connection between the selling company 110 and the bank 140, which is an operator of the electronic commerce system. This will be described later.

2 is a diagram illustrating a distribution network control for each subject of an e-commerce system using a B2B purchase card in the Internet according to an embodiment of the present invention.

First, the selling company 110 establishes a general e-commerce homepage by installing a web server on the Internet, and thereby connects with the purchasing company 120 and the product supplier 130. When the connection initialization with the product supplier 130 and the purchasing company 120 is made, the user authentication process is first performed.

In addition, the sales company 110 establishes a bank connection server for connection with the bank 140 separately from the web server, and performs connection with the bank 140 through this. On the other hand, the selling company 110 and the bank 140 enter into a separate agreement to issue a purchase card, wherein the purchase card is set in advance for each product, the credit period and the credit limit. It is pre-built with the approval / billing database.

After the connection with the bank 140 is initialized, if a transaction is made based on a pre-established approval / billing database, that is, a payment is made, the transaction 140 is used to establish a sales / payment information database.

On the other hand, the sales / payment information database may be used as a basic data for advertising the products for sale to the product supplier 130 and the purchasing company 120.

Looking at the payment process in more detail as follows.

The bank connection server contains information on a purchase card issued by the bank 140, for example, customer information such as a card number.

When the product supplier 130 or the purchasing company 120 accesses a web server for the e-commerce system of the selling company 110 through a web server and undergoes user authentication, the corresponding card number is connected to the bank. It is input from the server and is checked.

The product supplier 130 or the purchasing company 120 performs product payment on the Internet. More specifically, when the product supplier 130 or the purchasing company 120 authenticates the user on the web, a card number corresponding to the purchase card is automatically assigned through a pre-established database online. The payment process is made.

In addition, the purchase card is issued by setting the credit limit through the agreement with the sales company 110 and the bank 140 in advance. In this case, the purchase card does not physically store information necessary for card payment, that is, does not store card information by a chip or a memory means, and the like, and a card number preset for online payment is stored. Therefore, when the purchasing company 120 or the product supplier 130 undergoes a user authentication process through an ID or password through a web server, a card number corresponding to the ID or password is read through a pre-built database. .

FIG. 3 is a flowchart illustrating an actual transaction form of a purchasing company on the Internet web shown in FIG. 2.

First, in step S301, when the purchasing company 120 accesses the web server constructed by the selling company 110 through the Internet, the user authentication process of determining whether or not the member is performed in step S302 is performed.

As a result of the determination in step S302, if it is a non-member, the process proceeds to step S304 after the regular member or associate member joining procedure in step S303, and if it is not a non-member, that is, if it is a regular member or an associate member, it immediately proceeds to step S304.

Subsequently, in step S304, product detailed information such as an online catalog of the product to be sold is displayed on the web. At this time, additional services such as online catalog search or web mail service may be provided.

In step S305, additional services such as community or auction are provided on the web, and in step S306, if there is a purchase order after authentication by user ID / password / PW number or the like. It builds it as vendor DB (DataBase). On the other hand, such a vendor DB may include a variety of additional service information for the purchaser 120, such as confirmation of the price and inventory, designation of payment date for each product, mileage point (Mileage Point) accumulation.

In addition, for more efficient operation, a bank DB may be separately stored to store various financial information about the purchaser 120 such as real time limit approval, payment / prepayment / delinquent history, and may be linked with the seller DB.

Subsequently, in step S307, it is determined whether a product corresponding to the order of the purchasing company 120 has been delivered. If the delivery is successful, in step S308, the payment process is performed, and then the payment process is performed through the payment history inquiry. When finished, it ends.

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.

As described above, according to the present invention, while the seller sells the product to the buyer in the conventional e-commerce payment system, by providing the credit for a certain period for each product differently, the financial cost required by the seller to pay the payment date, By using the bank as a payment medium, the payback date is greatly reduced and the liquidity of the funds is smoothed.

In addition, while the processing cost was excessively and complicatedly maintained, such as discrimination management of payment dates for payment execution and offline payment from the buyer, all processing processes are processed electronically through the Internet network. This dramatically saves time and time, which makes it possible for sellers to more efficiently manage a large number of small businesses that target their end customers.

Claims (4)

In the electronic commerce method through the Internet, (A) a purchaser accessing an e-commerce server through the Internet; When it is confirmed that the user through the user authentication process, the buyer inputs the desired product; (B) if it is confirmed that the buyer is a member through a user authentication process, inputting a card number assigned to a purchase card issued by a bank to the server for electronic commerce; According to the credit limit of the purchase card corresponding to the card number, the order (delivery) payment on the Internet; Order payment settlement made, including: (C) transmitting, by an operating entity of the server for electronic commerce, a delivery history by an electronic method (EDI: Electronic Data Interchange) to a bank that issues the purchase card; The bank pays the delivery price excluding a certain fee based on the received delivery history; the actual delivery payment settlement made, including: E-commerce method using the Internet, characterized in that consisting of. In the electronic commerce method through the Internet, (A) the seller accessing the server for electronic commerce via the Internet; When it is confirmed that the user through the user authentication process, the step of inputting the goods to be delivered by the seller; Product order consisting of: (B) When the product is delivered to the operating entity of the server for e-commerce, the operating entity of the server for e-commerce pays the order (delivery) price on the Internet according to the credit limit of a purchase card issued by a bank. Order payment procedure: (C) transmitting, by an operating entity of the server for electronic commerce, a delivery history by an electronic method (EDI: Electronic Data Interchange) to a bank that issues the purchase card; The bank pays the seller online a delivery fee excluding a certain fee according to the received delivery history; E-commerce method using the Internet, characterized in that consisting of. The method according to claim 1 or 2, The purchase card is issued by the bank through a business alliance between the server operating entity that established the server for e-commerce and the bank, and a unique card number is assigned to each purchase card, and the database is used for electronic payment. E-commerce method using the Internet, characterized in that to build. The method according to claim 1 or 2, The actual delivery settlement procedure, The online transaction date is set differently for each product to be traded, and the database is set up, and the bank establishes an online payment for the delivery price within the payment date using the established database.