KR20010069525A - Messenger escrow service system and method, medium recorded the same method - Google Patents

Abstract

PURPOSE: A service system and a method for protecting a buying and selling of an electronic commerce transaction using a messenger and recording medium in which the method is recorded are provided to improve the reliability of the electronic commerce transaction by interlocking a settlement device and a physical distribution device and providing the interlocked settlement device and physical distribution to a buyer and a seller for performing transactions with many and unspecified persons using the electronic commerce transaction. CONSTITUTION: Buyer information terminals(100) have a memory in which a buyer messenger escrow client program is stored for performing an electronic commerce transaction with a transaction object terminal selected by a user. Seller information terminals(200) have a memory in which a seller messenger escrow client program is stored for performing the electronic commerce transaction with the transaction object terminal selected by the user. A messenger escrow server(300) receives transaction information and transaction object information according to a contract completion of the electronic commerce transaction and information regarding a settlement type to selectively transmit received transaction information and transaction object information and information regarding the settlement type to a delivery company information terminal(400). The messenger escrow server(300) informs a selling money input approval to a financial agency settlement server(500) when receiving selling memory input information from a certain information terminal. The delivery company information terminal(400) informs a delivery completion of goods and a receipt of money to the selected seller information terminal(200). The financial agency settlement server(500) transfers the selling money to an account of the seller when receiving the selling money input approval from the messenger escrow server(300). A common buying intermediator information terminal(600) has a memory in which a common buying intermediator messenger escrow client program is stored for performing an intermediation between a common buying community and the seller.

Description

System and method of e-commerce transaction protection service using messenger and recording medium recording the method {MESSENGER ESCROW SERVICE SYSTEM AND METHOD, MEDIUM RECORDED THE SAME METHOD}

The present invention relates to an electronic commerce system using a messenger, and in particular, an electronic commerce transaction protection service system and method for ensuring that all processes from signing an electronic commerce contract to delivery and settlement can be safely performed, and a method and a method thereof are recorded. To a recorded recording medium.

In general, a messenger program refers to a functional program that can simply exchange information such as sending and receiving text messages, chatting, and file transmission on the Internet in a peer-to-peer manner.

P2P e-commerce is a network communication method in which individuals directly exchange information with each other so that a commercial transaction can be concluded on the Internet, and a user directly exchanges a certain product or service and pays for it.

However, unlike some of the trading protection functions used in electronic commerce in B2C (shopping mall) and B2B (e-marketplace), the trading protection is not provided in P2P e-commerce using messenger. In this situation, the risk of P2P e-commerce is high, which is an obstacle to the activation of P2P e-commerce.

Therefore, an object of the present invention is to protect the e-commerce transaction that can improve the reliability of the e-commerce by providing a reliable payment means and logistics means to buyers and sellers who conduct a trading action against an unspecified number using e-commerce. The present invention provides a service system, a method thereof, and a recording medium on which the method is recorded.

Another object of the present invention is to increase the number of users of e-commerce by improving the reliability of the e-commerce, as well as to provide the convenience of using e-commerce by connecting buyers or sellers who want to trade e-commerce Provided is a trade protection service system, a method, and a recording medium on which the method is recorded.

Still another object of the present invention is to provide an electronic commerce transaction protection service method, by which a financial institution and a courier company supporting electronic commerce can guarantee a contract of sale between a buyer and a seller.

1 is a block diagram of an e-commerce transaction protection service system according to an embodiment of the present invention.

2 is a flow chart of an e-commerce transaction protection service procedure according to an embodiment of the present invention.

3 is a view illustrating a buyer and seller connection and contract conclusion process of the e-commerce transaction protection service procedure flow chart according to an embodiment of the present invention.

4 is a view for explaining a contract execution process between one buyer and a plurality of sellers of the e-commerce transaction protection service procedure flow chart according to an embodiment of the present invention.

5 is a view for explaining a contract conclusion process according to the joint purchase request according to an embodiment of the present invention.

Figure 6 is a view for explaining the process of connecting the buyer and seller and the contract conclusion in accordance with another embodiment of the present invention.

7 is a flowchart illustrating an e-commerce transaction protection service procedure when a financial institution is in charge as another embodiment of the present invention.

8 is a flow chart of an e-commerce transaction protection service when a courier company is managed as another embodiment of the present invention.

E-commerce transaction protection service method of the messenger escrow server according to an aspect of the present invention for achieving the above object;

A first step of processing information exchange between corresponding terminals when there is a communication request with at least one desired counterpart terminal from one or more buyer or seller information terminals;

A second step of receiving transaction information, transaction party information, and payment method according to the completion of the sales contract from any one of the transaction party information terminals in the information exchange;

A third step of requesting input of account transfer information when the information about the payment method is a pre-payment method, and transmitting the account transfer information to the accessible financial institution payment server in response thereto;

A fourth step of transmitting the received transaction information and the transaction party information to any parcel delivery company information terminal to which the goods are delivered;

And a fifth step of requesting the transfer of the payment amount transferred to the financial institution payment server to the seller's account when the delivery completion information is input from the parcel delivery company information terminal.

Electronic commercial transaction protection service method in a financial institution according to another aspect of the present invention;

A first step of processing information exchange between corresponding terminals when there is a communication request with at least one desired counterpart terminal from one or more buyer or seller information terminals;

A second step of receiving transaction information, transaction party information, and payment method according to the completion of the sales contract from any one of the transaction party information terminals in the information exchange;

A third step of receiving an account transfer information from the purchaser information terminal when the information about the payment method is a pre-payment method and performing an account transfer on the selling price;

A fourth step of transmitting at least the received transaction information and the transaction party information to any courier company information terminal to which the goods are delivered;

And a fifth step of transferring the transfer amount to the account of the seller when the delivery completion information is received from the parcel delivery company information terminal.

According to another aspect of the present invention, an e-commerce transaction protection service method in a parcel delivery company;

A trading party information exchange processing step of processing information exchange between corresponding terminals when there is a communication request with at least one desired counterparty terminal from one or more buyer or seller information terminals;

A transaction contract information receiving step of receiving transaction information, transaction party information, and payment method information according to the completion of the sales contract from any one of the transaction party information terminals during the information exchange;

If the received payment method information is a pre-payment method, a request for input of information for bank transfer and an execution order for bank transfer is requested, and in response, the account transfer information is transmitted to an accessible financial institution payment server. Performing a bank transfer step of performing a transfer;

A transaction information display step of outputting the received transaction information and transaction party information to a display unit so that the goods are delivered;

According to the delivery completion information input by the user characterized in that the payment amount refund and payment request step of transmitting the information requesting the refund of the prepaid amount and transfer to the merchant account to the financial institution payment server .

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of an electronic commerce transaction protection service system according to an embodiment of the present invention.

As shown in Figure 1, the e-commerce protection service system according to an embodiment of the present invention;

Buyer information terminals 100 having a memory storing a buyer messenger escrow client program for conducting electronic commerce with a transaction party terminal selected by a user;

Seller information terminals 200 having a memory storing a seller messenger escrow client program for performing electronic commerce with a transaction party terminal selected by a user;

Then, the buyer or seller information terminals 100 and 200 are processed to exchange information in a one-to-one or many-to-one manner, and the transaction information and transaction party according to the completion of the e-commerce contract from any one of the transaction party information terminals in the information exchange. Receives information about the information and payment method and selectively transmits it to the courier company information terminal 400, financial institutions upon receipt of payment information whether payment information from any information terminal (for example courier company information terminal 400) A messenger escrow server 300 for notifying the payment server 500 of the payment for the payment of the payment;

A courier company information terminal 400 for notifying the selected seller information terminal 200 of the completion of the delivery of goods and the fact of payment;

A financial institution payment server 500 that transfers a selling price to an account of a seller who is a trading party when receiving a selling price deposit approval from the messenger escrow server 300;

The joint purchase intermediary information terminal having a memory in which the joint purchase intermediary messenger escrow client program is executed to perform an intermediary role between the joint purchase community and the seller when there is a joint purchase request from multiple buyers or a seller's joint purchase request. ) Can be configured. In addition, a consignment transportation system 700 may be further configured. The consignment transportation system 700 receives a consignment of a courier company and delivers the seller's goods to the buyer, and in the case of a post-payment method, receives the goods price from the buyer. It makes a deposit to a financial institution.

That is, as shown in FIG. 1, a sales contract is established between the buyer and the seller by the messenger escrow server 300, that is, the information exchange process, and the purchase inquiry, the purchase request, and the buyer are connected between the buyer and the messenger escrow server 300. A wire transfer is established. In addition, a sales inquiry is established between the messenger escrow server 300 and the seller, and a receipt deposit and delivery completion notification process is performed between the messenger escrow server 300 and the courier company and the consigned transportation system 700. The process of acquiring the goods, completing the delivery, and notifying the payment is made between the seller and the courier company 400 or the consigned transportation system 700. In the case of a post-payment method, the delivery of goods between the buyer and the consigned transportation system 700 is performed. Receipt of purchase price is made. In addition, between the messenger escrow server 300 and the financial institution settlement server 500, the selling price deposit notification notification and the receipt of the payment amount or the transfer of the payment to the messenger escrow server account are performed.

Procedures performed between these subjects will be described in more detail with reference to the drawings.

First, FIG. 2 is a flowchart illustrating an e-commerce transaction protection service procedure according to an exemplary embodiment of the present invention. More specifically, FIG. 2 is performed in a messenger escrow (ME) server 300 which is a subject of the e-commerce transaction protection service system. The operation is shown. The e-commerce transaction protection service according to an embodiment of the present invention may be implemented mainly by the messenger escrow server 300 as shown in FIG. 2, but is provided in a financial institution and a courier company to be described in detail with reference to FIGS. 7 and 8. It can also be implemented with.

First, referring to FIG. 2, the messenger escrow server 300 checks whether there is a server connection request from the buyer or seller information terminal 100 or 200 in step A. FIG. If there is a request for accessing the server as a result of the check, the terminal is connected with the corresponding terminal only if the user is authenticated through the user authentication process (step B). Thereafter, the messenger escrow server 300 requests the buyer or seller information and registers the received transaction party information (step C). The transaction party information is a generic term for buyer and seller information. It is assumed that each buyer information and seller information includes their own ID information and information on a purchase or sale item. As such, the purchaser or the seller may register information on the item to be purchased or sold by the messenger escrow server 300 by registering the transaction party information.

Meanwhile, after the registration of the trader information, any buyer requests a purchase or sale to the messenger escrow server 300 through his information terminal 100 (step D), and the messenger escrow server 300 deals with the connected terminal. Requires selection of type and payment method (step E). In the present invention, the transaction type is a concept that includes a singular transaction when a buyer and a seller are in a one-to-one relationship, a plural transaction when a 1: N or N: 1, and a joint purchase. And payment methods are largely divided into post-payment and prepayment. This is to protect both the buyer and the seller in the e-commerce using messenger.

When requesting the buyer or seller to select the transaction type and payment method, the messenger escrow server 300 receives and stores the transaction type and payment method selected in step F and branches to a singular transaction, a multiple transaction or a joint purchase which will be described later. The contract is concluded between the parties, and the trading protection function is performed according to the settlement method.

If you first describe singular transactions,

If there is a singular transaction request from the buyer or the seller, the messenger escrow server 300 proceeds to step G to provide the seller (or the buyer) registration information of the corresponding item and requests the selection of one seller (or the buyer). Accordingly, when the buyer selects one seller through his terminal 100, the messenger escrow server 300 connects information exchange with the information terminal 200 of the seller selected by the buyer in step H. As described above with reference to FIG. 3, the contract result determination between the buyer information terminal 100 and the seller information terminal 200 connected by the information exchange process of the messenger escrow server 300 will be described.

3 is a diagram illustrating a buyer and seller connection and contract conclusion process in the e-commerce transaction protection service procedure flow chart according to an embodiment of the present invention.

Referring to FIG. 3, first, a buyer or a seller makes a purchase request (step G-1) to a seller or a buyer, which is a counterparty through his information terminal. When the seller or the buyer responds to the purchase request, a transaction room is opened on the buyer and the seller's information terminal by the messenger escrow client program (step G-2). Such a trading room is preferably understood as a general chat room. The buyer and seller enter into a contract (G-3 stage) by sending and receiving a bargain message for a contract of sale through the opened trading room. When a desired contract is made between the buyer and the seller according to the transmission of a number of bargain messages, the transaction information and transaction party information from the buyer information terminal 100 and the payment method selected by the buyer are pushed by pressing the contract execution button opened in the trading room. The information is transmitted to the messenger escrow server 300 (step G-4). Such transaction information and transaction party information may be generated from the information terminal 100 or 200 of the buyer or seller, respectively, and transmitted to the messenger escrow server 300. The transaction information may include price information, quantity information, and the like about an item which is a sale contract object, and the transaction party information should include at least addresses of sellers and buyers.

As described above, when the transaction information and the transaction party information are transmitted from the buyer or seller information terminal 100 or 200 to the messenger escrow server 300, the messenger escrow server 300 transacts with the transaction information in step L of FIG. 2. Receive the information on the party information and payment method and stores it in the internal memory (step M). In addition, the messenger escrow server 300 proceeds to step N to transmit the transaction information, the transaction party information, and the payment method information to the parcel delivery company information terminal 400 so that the goods are delivered between the seller and the buyer. At this time, it would be desirable to select a courier company so that the delivery of goods between the seller and the buyer is made in the shortest path.

Hereinafter, a description will be made of a delivery and payment process according to a payment method selected by a buyer. The courier company that receives transaction information, transaction party information, and payment method information from the messenger escrow server 300 directly or consigns. The shipping system takes over the goods from the seller and delivers them to the buyer. If the payment method selected by the buyer was a post payment method, the buyer checks the delivered goods and delivers the purchase price directly to the carrier only if there is no problem, or through the terminal, the account transfer provided by the messenger escrow client program. By using the function, the purchase price of the goods may be transferred to the account of the messenger escrow server 300. In this case, the carrier will act as a mediator to protect the sale from the seller's point of view by receiving payment for the goods or confirming the transfer, and the buyer will be able to return the goods before the settlement. There is a profit to be made.

If the carrier directly received the goods sales price in the above-described payment method, the carrier simply deposits the received amount into the messenger escrow server 300 account. When explaining the account transfer function provided by the buyer messenger escrow client program, the account information of the messenger escrow server 300 is displayed when an account transfer selection command is input by the user. When the bank transfer execution command is input using the displayed account information, the bank transfer is performed through the server 300 and the financial institution payment server 500 based on the inputted information, and the completion of the bank transfer is completed by the messenger escrow server 300. ), The buyer completes the payment of the purchase.

On the other hand, in addition to the above-described payment method, the buyer may deposit the purchase price through the Internet banking method through the financial institutions linkable from the messenger escrow server 300, the purchase price to the account of the messenger escrow server 300 using the phone banking You can also deposit To this end, the financial institution assigns a code indicating a transfer of the goods price according to the e-commerce, and the financial institution recognizes the transfer of the goods price according to the e-commerce as the code input, and then the corresponding financial institution messenger escrow server 300. The sales protection function can be supported for the sale of goods by notifying the completion of the payment. In addition, the purchaser may pay the purchase price using a credit card, or may pay through the mail.

As described above, when payment is completed on-line or off-line, the carrier informs the courier company of the completion of the delivery and the completion of the payment. Accordingly, the courier company transmits the payment fact and the delivery completion information of the goods sale price to the messenger escrow server 300 through the information terminal 400, and notifies the seller information terminal 200 of the completion and payment of the goods. .

Therefore, the messenger escrow server 300 receives the payment information of the goods payment and the delivery completion information from the parcel delivery company information terminal 400 in step O of FIG. 2, and in response thereto, the payment payment approval information to the financial institution payment server 500. Send (P step). The financial institution payment server 500 transfers the payment to the seller's account, so that the seller can be paid for the goods sold by him.

However, if the buyer refuses the receipt due to the defect of the goods sold, the forwarder notifies the messenger escrow server 300 through the courier information terminal 400, and the messenger escrow server 300 posts the fact or the seller information. It transmits to the terminal 200 to support coordination between the parties.

As such, the messenger escrow server 300 and the courier company guarantee the electronic commerce between the buyer and the seller, so that the buyer and the seller can safely use the electronic commerce.

Hereinafter, a description will be made of the delivery and transfer of the payment to the seller's account according to the prepayment method. First, if the prepayment method is selected by the purchaser in step F of FIG. 2, the messenger escrow client installed in the purchaser information terminal 100. The program displays the account information of the messenger escrow server 300. When the bank transfer execution command is input using the displayed account information, the bank transfer is performed through the messenger escrow server 300 and / or the financial institution payment server 500 based on the input information, and the completion of the bank transfer is recalled. By reporting to the messenger escrow server 300, the buyer prepays for the purchase. In this case, prepayment may be made through Internet banking and phone banking as well as account transfer as in the following payment method.

After the prepayment is made by the buyer, the messenger escrow server 300 receives the transaction information and the transaction party information (step L) by completing the singular transaction as described above. Accordingly, the messenger escrow server 300 transmits the transaction information, the transaction party information, and the payment method information to the parcel delivery company information terminal 400 to deliver the goods. If the buyer approves the delivered goods, the transporter notifies the messenger escrow server 300 through the courier company's information terminal 400 that the delivery is completed. In this case, the messenger escrow server 300 receives delivery completion information and payment payment information (or purchase approval information) from the courier company information terminal 400 and the financial institution payment server 500 (or the buyer information terminal), respectively. Only exchange information with the financial institution payment server 500 so that the transfer of the payout to the seller's account. That is, the financial institution payment server 500 transfers the payout to the seller's account in response to the payout notification received from the messenger escrow server 300, whereby the seller receives payment for the goods sold by the seller. It will be possible.

However, if the buyer has a defect in the delivered goods and does not receive it, the messenger escrow server 300 does not receive the delivery completion notification from the courier company's information terminal 400 for a certain period or from the buyer information terminal for a certain period of time. The purchase approval information is not received. In this case, the messenger escrow server 300 requests a refund to the financial institution settlement server 500 so that a refund of the amount prepaid by the buyer is made, so that the buyer also sends a messenger escrow server 300 to the financial institution settlement server 500. Can be protected by.

On the other hand, if the transaction type received in step F of Figure 2 is a multiple transaction messenger escrow server 300 branches to step J to provide the seller (or buyer) registration information to the buyer information terminal 100 (or seller information terminal) and It also asks for multiple choices. In response to such a request, if there is a plurality of sellers' selection, the messenger escrow server 300 proceeds to step K and connects the purchaser information terminal 100 that has requested a purchase to the selected seller information terminals. As described above with reference to FIG. 4, a contract result determination between the purchaser information terminal 100 and the plurality of seller information terminals connected by the messenger escrow server 300 will be described.

First, FIG. 4 is a diagram illustrating a contract execution process between one buyer and a plurality of sellers in a flow chart of an e-commerce transaction protection service using a messenger according to an embodiment of the present invention. As shown in FIG. 4, first, the buyer (or seller) makes a purchase request (step K-1) to sellers (or buyers) who are counterparties through their information terminal 100. When the seller (or the buyer) responds to the purchase request, the trading room is opened by the messenger escrow client program on each information terminal of the buyer and the seller (step K-3). The buyer and the seller send and receive a bargain message for the contract of sale through the opened trading room (step K-4). The most important thing in the transmission and reception of bargain messages is the price signing method. Therefore, the buyer can purchase a corresponding product at the lowest price by inducing a plurality of sellers to participate in the bidding through the opened trading room. If a seller has a contract with a large number of buyers, he may be able to sell his goods at high prices by introducing an auction system.

As such, the buyer and the multiple sellers or the multiple buyers and sellers negotiate through the opened trading room and enter into a contract with the seller (or buyer) who presents the best conditions (step K-5). Upon completion of such a contract, the buyer (or seller) presses a contract establishment button opened in the trading room, and transaction information and transaction party information are transmitted from the buyer information terminal 100 to the messenger escrow server 300 (step K-6). )do. As described in the singular transaction, such transaction information and transaction party information may be generated from the information terminal 100 or 200 of the buyer or seller, respectively, and transmitted to the messenger escrow server 300.

As described above, when the transaction information and the transaction party information are transmitted from the buyer or seller information terminal 100 or 200 to the messenger escrow server 300, the messenger escrow server 300 transacts with the transaction information in step L of FIG. 2. Receive the information on the party information and payment method and stores it in the internal memory (step M). In addition, the messenger escrow server 300 proceeds to step N to transmit the transaction information, the transaction party information, and the payment method information to the parcel delivery company information terminal 400 so that the goods are delivered between the seller and the buyer. At this time, it would be desirable to select a courier company so that the delivery of goods between the seller and the buyer is made in the shortest path.

When the transaction information, the transaction party information, and the information about the payment method are transmitted to the parcel delivery company information terminal 400, the delivery and settlement process as described in the above-described singular transaction is performed. Therefore, the messenger escrow server 300 receives the payment information of the goods sales payment from the courier company information terminal 400 or the financial institution payment server 500 (step O), and in response, sells it to the financial institution payment server 500. Transfer payment approval information (P step). The financial institution payment server 500 transfers the payment to the seller's account, so that the seller can be paid for the goods sold by him.

Therefore, the buyer or seller can purchase or sell the goods at the best price through multiple transactions, and also has the advantage of performing secure electronic commerce through the guarantee of the financial institution payment server 500 or the courier company.

Hereinafter, the contract result determination through the joint purchase intermediary connection (step I of FIG. 2) when the transaction type selected in FIG. 2 is the joint purchase will be described.

First, FIG. 5 is a diagram for explaining a contract execution process according to a joint purchase request according to an embodiment of the present invention. In FIG. 2, if there is a joint purchase request or a sale request for a joint purchase item from a buyer or a seller, a messenger escrow In step I of FIG. 2, the server 300 connects the joint purchase intermediary information terminal 600 of the corresponding article and posts information on the joint purchase. Through such posting information, a plurality of buyers or sellers who want to sell the joint purchase goods can access the information terminal 600 of the joint purchase intermediary to participate in the joint purchase.

Referring to Figure 5, the joint purchase intermediary messenger escrow client program stored in the joint purchase intermediary information terminal 600, if there is a joint purchase request (steps I-1, I-2) from a plurality of buyers are collected and stored If the joint purchaser inquiry request (step I-3) is received from any seller, the joint purchase request information is provided to the seller. According to the search result of the joint purchase request information, the seller determines whether to sell and then proposes a sale to the joint purchase intermediary information terminal 600. When the joint purchase intermediary responds to such a sale offer, a trading room is opened in each of the joint purchase intermediary information terminal 600 and the seller information terminal 200 (step I-4). Therefore, co-purchase intermediary and seller can perform bargaining and contract (step I-6) through the trading room, and when the contract is concluded, transaction information from co-purchasing broker information terminal 600 or seller information terminal 200 And transaction party information is generated and transmitted to the messenger escrow server 300.

As described above, when the transaction information and the transaction party information are transmitted to the messenger escrow server 300, the messenger escrow server 300 receives the transaction information and the transaction party information in step L of FIG. 2 and stores them in the internal memory ( Step M). In addition, the messenger escrow server 300 proceeds to step N to transmit the transaction information, the transaction party information, and the payment method information to the parcel delivery company information terminal 400 so that the goods are delivered between the seller and the buyer. When the transaction information, the transaction party information, and the payment method information are transmitted to the parcel delivery company information terminal 400, the delivery and settlement process as described in the above-described singular transaction or plural transaction is performed. Therefore, the messenger escrow server 300 receives the payment information of the goods sales payment from the courier company information terminal 400 or the financial institution payment server 500 (step O), and in response, sells it to the financial institution payment server 500. Transfer payment approval information (P step). The financial institution payment server 500 transfers the payment to the seller's account, so that the seller can be paid for the goods sold by him.

Therefore, the buyer or seller can purchase or sell the goods through the joint purchase, and also can perform a safe electronic commerce through the guarantee of the financial institution payment server 500 or the courier company.

Although not mentioned above, since the buyer needs to know the current progress after requesting the purchase of the goods, the messenger escrow server 300 displays the current state of the goods requested by the buyer, that is, the delivery step and the pre-shipment step. It is desirable to give.

FIG. 6 is a view illustrating a connection between a buyer and a seller and a contract conclusion process according to another embodiment of the present invention. More specifically, when there is a purchase request from a buyer, the messenger escrow server 300 is suitable for a purchase request. A diagram for explaining a process of allowing a contract to be concluded by searching for a seller and transmitting buyer information to the seller.

Referring to FIG. 6, first, a buyer connects to the messenger escrow server 300 through his information terminal (step R-1), and then fills in purchase request information about an item to purchase (step R-2). do. Such purchase request information may preferably include at least product information and price information for automatic search of the seller. As such, if there is a purchase request, the messenger escrow server 300 retrieves a seller who is suitable for the purchase request from the database in step R-3, acquires seller information, and then sends the buyer information to the seller (steps R-4 and R-5). Give it. Accordingly, the seller makes a sale request to the buyer who makes a purchase request through his information terminal, and if there is a response from the buyer (R-6 and R-7), the seller opens a trading room (R-8) to start a bargain. If the buyer or seller gets satisfactory results during this bargaining process, the contract is concluded between the trading parties, so that the transaction information, trading party information, and payment method from the buyer or seller information terminal are transferred by the messenger escrow client program. Is generated and transmitted to the messenger escrow server 300.

Therefore, the messenger escrow server 300 transmits the received transaction information, the transaction party information, and the information about the payment method to the parcel delivery company information terminal 400 so that the delivery and payment of the goods are made. When the delivery and payment of the goods is completed, the financial institution payment server 500 or the courier company information terminal 400 is notified that the delivery and payment of the goods is completed. The server 500 notifies the sales price payment approval.

Therefore, the buyer can easily bargain by connecting with the sellers with the support of the messenger escrow server 300 on the web, and also has the advantage of ensuring a secure e-commerce. On the other hand, the above-described automatic search of the seller may be carried out modified to the automatic search of the buyer according to the sales request.

In the above-described embodiment of the present invention, the messenger escrow server 300 and the financial institution payment server 500 are separately described as servers residing in independent institutions, but may be integrated and operated as one server. That is, the present invention may be operated by a system of an independent service provider, but may be practiced by a financial institution or a courier company.

7 is a flowchart illustrating an e-commerce transaction protection service procedure when a financial institution is in charge as another embodiment of the present invention. Referring to FIG. 7, first, a server of a financial institution includes a messenger escrow program according to an embodiment of the present invention as one application, and establishes a system that can be connected to one or more buyer information terminals and seller information terminals. In such a system configuration, the financial institution server first accesses through a user authentication process at the request of the buyer or seller information terminal (100,200) (step S-1). When there is a communication request (step S-2) from one or more buyer or seller information terminals 100 and 200 connected as described above (step S-2), the financial institution server exchanges information between the buyer and seller information terminals 100 and 200 requesting communication. This is done to connect (step S-3). When a contract is established between the connected buyer and the seller, the financial institution server receives transaction information, transaction party information, and payment method information by a messenger escrow client program installed in each information terminal (step S-4). .

The financial institution server receiving the information in this way transmits the transaction information and transaction party information to the parcel delivery company information terminal 400 (step S-5). When the buyer selects the prepayment method in the sales contract step, the transfer is performed based on the entered account transfer information according to the provided account transfer information input (step S-6). This transfer step is skipped when the payment method is selected. Meanwhile, as transaction information and transaction party information are transmitted to the parcel delivery company information terminal 400, the delivery and takeover of the goods are made between the buyer and the seller. If the goods are successfully received, the transporter transmits the delivery completion information (including payment information in the case of a payment method) to the financial institution server through the parcel delivery company information terminal 400, so that the financial institution server completes the delivery information. Is received (step S-7). Accordingly, the financial institution server transfers the amount transferred to the seller's account (step S-8) only when both the transfer and the delivery completion information are received (or additionally, the purchase approval information). Can enjoy the effect of performing a stable e-commerce by the guarantee of the financial institution server.

8 is a flowchart illustrating an electronic commerce transaction protection service procedure when a courier company is in charge as another embodiment of the present invention. In this case, it may be assumed that the parcel delivery company information terminal 400 of FIG. 1 is replaced with the parcel delivery company server 400.

First, the parcel delivery company server 400 connects through a user authentication process at the request of the buyer or seller information terminal 100 or 200 (T-1 step). If there is a communication request (step T-2) from the one or more buyer or seller information terminals 100 and 200 connected as described above (step T-2), the courier company server 400 connects the information terminals 100 and 200 of the buyer and seller to which the connection is requested. Connect (step T-3). When a contract is established between the connected buyer and the seller, the parcel delivery company server 400 receives transaction information, transaction party information, and payment method information by a messenger escrow client program installed in each information terminal (step T-4). )

If the received payment method is a prepayment method (step T-5), the courier company server 400 requests input of information for account transfer and an input of an account execution execution command (step T-6). The inputted bank transfer information is transmitted to the financial institution payment server 500 (step T-7). The financial institution payment server 500 performs the account transfer based on the transmitted information and transmits the result to the parcel delivery company server 400. Thereafter, the courier company server 400 outputs the received transaction information and the transaction party information to the display unit (step T-8) to allow delivery by the carrier. When the buyer takes over the goods in this delivery process, the carrier enters the delivery completion information to the courier company server 400 (step T-9) so that the courier company server 400 requests to transfer the prepayment amount to the seller's account. To transmit to the financial institution payment server (500). The financial institution payment server 500 transfers the selling price to the seller's account.

On the other hand, if there is no purchase approval information by the buyer or no delivery completion information by the carrier, that is, if the purchaser does not approve the purchase for reasons of defect, the courier company server 400 does not enter the delivery completion information or the purchase approval information. . If this state exceeds the preset period or the rejection information is input by the carrier, the courier company server 400 transmits information for requesting a refund of the prepaid amount to the financial institution payment server 500 in step T-10. By doing so, the buyer can be refunded the amount he / she prepaid.

Therefore, both the seller and the buyer can perform stable e-commerce by the guarantee of the courier company server.

Finally, when the post-payment method is selected in step T-5, in the case of the post-payment method, the courier company server 400 displays the received transaction information, the transaction party information, and the information about the post-payment method on the display means. (Step T-12) to allow delivery by the carrier. When the buyer takes over the goods in this delivery process, the carrier receives the goods price and deposits the goods to the designated financial institution payment server 500. Then, if the payment details and delivery completion information is entered, the courier company server 400 transmits the payment receipt approval information or the request for the transfer of payment to the seller account to the financial institution payment server 500, the financial institution payment server 500 ) Transfers the payout to the seller's account. If the buyer refuses to take over the goods due to a defect, the seller is notified of the fact so that the parties can make adjustments.

As described above, both the seller and the buyer can perform a stable e-commerce as the courier company performs the e-commerce guarantee.

Meanwhile, although not described in the embodiments of the present invention, various modifications may be made without departing from the scope of the present invention.

For example, a buyer may enter a seller's ID, which he or she used regularly, using a buyer messenger client program to establish a 1: 1 connection with the seller directly.

When the messenger escrow server 300 receives a joint purchase request (or a sale request for a joint purchase item) from a plurality of buyers (or sellers), the number of buyers who have requested a joint purchase with the seller after posting the number of the joint buyers You can also induce the bulletin board to be used as a trading room so that a contract can be made between them. In the process of adjusting the transaction price to be preceded by the contract, the auction or bidding method may be selected by the co-purchasing broker or the buyer and seller, respectively.

Therefore, the scope of the invention should not be defined by the described embodiments, but should be determined by the equivalents of the claims and the claims.

As described above, the present invention provides an advantage of improving the stability and reliability of electronic commerce by providing a reliable payment method and a logistic means to buyers and sellers who conduct a transaction against an unspecified number using electronic commerce. There is an advantage that can be popularized by increasing the number of users in accordance with the improvement of the reliability of the e-commerce.

In addition, the buyer or seller can easily negotiate by connecting with the counterparties on the messenger, thus providing the convenience of using e-commerce, and the financial institution and the courier company also protect the e-commerce transaction according to an embodiment of the present invention. Because it can provide a profit from the expansion of the business area can be expected.

Claims (16)

A method for protecting e-commerce transactions of a messenger escrow server that is accessible to one or more buyer information terminals, seller information terminals, and co-purchase intermediary information terminals, the method comprising: A first step of processing information exchange between corresponding terminals when there is a communication request of one or more trading counterpart terminals desired from one or more buyer or seller information terminals; A second step of receiving transaction information, transaction party information, and payment method according to the completion of the sales contract from any one of the transaction party information terminals in the information exchange; A third step of requesting input of account transfer information when the information about the payment method is a pre-payment method, and transmitting the account transfer information to the accessible financial institution payment server in response thereto; A fourth step of transmitting the received transaction information and the transaction party information to any parcel delivery company information terminal to which the goods are delivered; And a fifth step of requesting the transfer of the payment amount transferred to the financial institution settlement server to the seller's account when the delivery completion information and the purchase approval information are respectively inputted from the parcel delivery company information terminal and the purchaser information terminal. E-commerce transaction protection service method using a messenger. The method of claim 1, wherein when the information about the payment method is a post-payment method, the received transaction information, transaction party information, and information about a payment method are transmitted to a courier company information terminal to which the goods are delivered. Steps; A seventh step of requesting transfer of the payment to the seller's account to the financial institution payment server upon receipt of the payment payment and delivery completion information from the courier company information terminal; e-commerce transaction protection using a messenger further comprising: Service method. The method of claim 1, wherein the first step; E-commerce transaction protection service using a messenger characterized in that it further comprises the step of posting a purchase request or a sale request from any buyer or seller information terminal. The method of claim 1, wherein the first step; If there is a purchase request or a sale request from any buyer or seller information terminal, the seller or buyer of the goods is automatically searched and the identification information of the information request or sale request terminal is sent to the buyer information terminal or seller information terminal. E-commerce transaction protection service method using a messenger characterized in that it further comprises. The method according to claim 1, wherein when there is a joint purchase request from any buyer information terminal or a sale request of the joint purchase goods from any seller information terminal, the information exchange between the terminal requesting the joint purchase or sale of the joint purchase goods and the joint purchase intermediary information terminal is performed. E-commerce transaction protection service method using a messenger, characterized in that it further comprises the step of processing to be made. A computer-readable recording medium having recorded thereon a program for implementing the method according to any one of claims 1 to 5. An electronic commerce transaction protection service method in a financial institution having a server accessible to at least one buyer information terminal and seller information terminals, the method comprising: A first step of processing information exchange between corresponding terminals when there is a communication request with at least one desired counterpart terminal from one or more buyer or seller information terminals; A second step of receiving transaction information, transaction party information, and payment method according to the completion of the sales contract from any one of the transaction party information terminals in the information exchange; A third step of receiving an account transfer information from the purchaser information terminal when the information about the payment method is a pre-payment method and performing an account transfer on the selling price; A fourth step of transmitting at least the received transaction information and the transaction party information to any courier company information terminal to which the goods are delivered; And a fifth step of transferring the amount transferred from the courier company information terminal to the seller's account when the delivery completion information is received from the courier company information terminal. The method of claim 7, further comprising the step of transferring the payment to the seller's account only when the information regarding the payment method is the post-payment method, when the delivery and payment receipt completion information is received from the delivery company information terminal. E-commerce transaction protection service method using a messenger in a financial institution. The terminal according to claim 7 or 8, wherein when there is a joint purchase request from any buyer information terminal or a sale request of a joint purchase product from any seller information terminal, E-commerce transaction protection service method using a messenger, characterized in that it further comprises the step of processing the information exchange. A computer-readable recording medium having recorded thereon a program for implementing the method of claim 7. Claims [1] An electronic commerce transaction protection service method of a courier company comprising at least one buyer information terminal, seller information terminals, and a server accessible to co-purchase intermediary information terminals. A trading party information exchange processing step of processing information exchange between corresponding terminals when there is a communication request with at least one desired counterparty terminal from one or more buyer or seller information terminals; A sales contract information receiving step of receiving transaction information, transaction party information, and payment method information according to the completion of the sales contract from any one of the connected transaction information terminal; If the received payment method information is a pre-payment method, a request for input of information for bank transfer and an execution order for bank transfer is requested, and in response, the account transfer information is transmitted to an accessible financial institution payment server. Performing a bank transfer step of performing a transfer; A transaction information display step of outputting the received transaction information and transaction party information to a display unit so that the goods are delivered; The payment amount refund and payment request step of transmitting the information for requesting a refund of the prepaid amount and transfer to the merchant account according to the delivery completion information input by the user to the financial institution payment server E-commerce transaction protection service method using a messenger in the courier company. The method according to claim 11, wherein when the information about the received payment method is a post-payment method, the transaction information for outputting the goods by outputting the received transaction information, transaction party information, and information about the payment method to the display means; A payment method displaying step; The payment approval information transmission step of transmitting the payment payment approval information to the designated financial institution payment server to transfer the payment to the seller's account when the user inputs the delivery and payment payment completion information by the user; E-commerce transaction protection service method using a messenger in the courier company. The method of claim 11, wherein the trading party information exchange processing step; When there is a joint purchase request from any buyer information terminal or a sale request of joint purchase goods from any seller information terminal, information exchange between the terminal requesting the joint purchase or the purchase of the joint purchase goods and the joint purchase intermediary information terminal is exchanged. E-commerce transaction protection service method using a messenger, characterized in that it further comprises the step of processing. A computer-readable recording medium having recorded thereon a program for implementing the method according to any one of claims 11 to 13. In the electronic commerce transaction protection service method of a client information terminal connectable to a messenger escrow server, Requesting access to the messenger escrow server after user authentication upon input of an execution command; Requesting connection of a trading party terminal selected by a user from a seller or buyer information list received from the connected server; Displaying a trading room upon receiving a response from a connected information terminal according to the request; Transmitting the input bargain message to the connected information terminal and displaying the received message in response thereto; And transmitting transaction party information, transaction information, and payment method information to the server when a contract execution completion command is input. The method of claim 15, further comprising: requesting input of account transfer information when the information about the payment method is a prepayment method; And transmitting the inputted bank transfer information to the financial institution settlement server through the server.