KR20010073399A - Electronic commerce approval system and method thereof - Google Patents

Abstract

PURPOSE: A payment system and method is provided to enable an intermediate company to finally make transactions between a seller and a buyer according to the result of a commodity delivery and a purchase payment, and to enable the intermediate company to vouch for a credit of the buyer so that it can enhance a reliability in electronic commerce. CONSTITUTION: The system comprises a purchase application device(10), a sale server, and a payment server(40). The purchase application device(10) enables a purchaser to access the sale server(30) or the payment server(40) over the Internet. The sale server(30), operated by the seller, includes a database storing various commodity informations. The payment server(40), operated by the intermediate company, includes a payment processor(41) and a database(42). The payment processor(41) enables the purchaser to pay for the commodities. The database(42) stores data of the purchasers subscribing for members of the intermediate company, the payment data, and other documents to be issued to the purchaser and the seller.

Description

E-commerce payment system and its method {ELECTRONIC COMMERCE APPROVAL SYSTEM AND METHOD THEREOF}

The present invention relates to an electronic commerce payment system and a method thereof, and more particularly, to an electronic commerce payment system and a method for securely and reliably secure payment between a seller and a buyer in electronic commerce.

Recently, due to the rapid increase in the spread of the Internet, an e-commerce sales method for people around the world has been developed and used through the same medium called the Internet. An account settlement method and a card settlement method using a card company are used.

The account settlement method is a method in which a seller provides an account number to a purchaser who purchases an item, and a payment is made when the buyer deposits an item price in the corresponding account.

In the card payment method, when a buyer inputs credit information such as his or her credit card number to a seller, the seller pays the credit card number after the seller obtains an approval from the card approval system.

When the e-commerce is performed between the selling company and the individual by using this payment method, since the selling company is mostly a large company or a separate shopping mall operator, the buyer remits the payment directly without worrying about the delivery of the goods or the defect of the goods. Or paying with a card immediately does not cause any major damage.

However, if the e-commerce between a company and a company is very large, the amount of the transaction is quite large and the creditworthiness of the company is not known. Therefore, if there is a previous transaction or a large credit company, the transaction cannot be made or a significant damage may occur. There are many.

In particular, in e-commerce between companies, the purchasing company wants to pay when the purchased goods are delivered correctly and there is no defect on the goods, while the selling company wants to deliver after receiving the payment in advance. For example, in the case where the creditworthiness of the company is not guaranteed, such as in electronic commerce, smooth commerce does not occur.

In addition, in the conventional payment system, the payment is made only when the purchaser secures the payment, and thus, when a large amount of payment is required by the commerce between the companies, there is a disadvantage in that the efficient commerce is not made.

Therefore, the technical problem to be achieved by the present invention is to ensure a stable and reliable payment settlement between the buyer and the seller.

In addition, another technical problem to be achieved by the present invention is to make a more efficient and stable electronic commerce even in the electronic commerce between enterprises.

1 is a structural diagram of an e-commerce payment system according to an embodiment of the present invention.

2 is a conceptual diagram of an electronic commerce payment method according to an embodiment of the present invention.

3A to 3C are flowcharts of an electronic commerce payment method according to an embodiment of the present invention.

4 is a conceptual diagram of an electronic commerce payment method according to another embodiment of the present invention.

In order to achieve the above technical problem, the electronic commerce payment system according to an embodiment of the present invention, in the payment system of the e-commerce in which the buyer is connected to the seller's sales system through the purchase system to conclude the purchase of goods, A buyer information database storing buyer information including a usage limit available to the buyer for each identification code for the identification code; And when the purchaser inputs purchase information including an identification code, payment price according to the purchase contract, and a seller's account number using the purchase system, sets a payment method according to the use limit of the purchaser, and then returns to the sales system. And a payment processing device that notifies the payment guarantee and, when the payment instruction is input from the purchase system, deposits the payment into the account of the seller according to the payment method. The identification code may be an account number of the buyer.

The usage limit may be set according to the account balance of the buyer, and in this case, a method of withdrawing payment from the account of the buyer and depositing the money into the account of the seller may be set as a payment method. In addition, a payment method that withdraws the payment amount deposited into the buyer's account on the transfer date reserved with the buyer and deposits it into the account of the seller.

In addition, the usage limit may be a credit limit set according to the credit rating of the buyer, and thus, a payment method of depositing a payment amount into the account of the seller within the credit limit may be used.

Meanwhile, the identification code may be a credit card number of the buyer. In addition, the usage limit may be a card use limit according to the purchaser's credit rating. Accordingly, a payment method of card payment of the purchaser's payment within the card use limit may be used.

According to another aspect of the present invention, an electronic commerce payment method includes a payment method of an electronic commerce payment system in which a buyer connects to a seller's sales system through a purchase system and concludes an article purchase contract. Setting a payment method according to the use limit of the purchaser when applying for payment by inputting purchase information including its identification code, the payment price according to the purchase contract, and the account number of the seller; Notifying a payment guarantee to the sales system; If a payment instruction is input from the purchase system, the payment method may include depositing a payment amount into the account of the seller according to the payment method.

The purchaser may apply for payment for each purchase contract with the seller through the purchase system, and the purchaser pays for a plurality of purchase contracts concluded with the seller through the purchase system for a predetermined time. You can apply for all at once.

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

In the embodiment of the present invention, the broker shares the payment agent with the purchaser and performs payment for the goods purchased by the buyer, thereby guaranteeing the payment of the buyer. In addition, the seller may associate the settlement agent with the broker who the buyer is affiliated with, and may associate the settlement agent with other brokers other than the broker state with which the buyer is affiliated.

In an embodiment of this invention, a seller represents an internet site and an operator selling goods on the internet, a buyer represents all internet accessors who purchase goods from the seller, and a purchase broker pays for the goods purchased by the buyer. Internet sites and banks and credit card companies.

Here, the seller may be a company or an individual who sells the goods, and the buyer may also be a company or an individual who buys the goods. Accordingly, the electronic commerce according to the embodiment of the present invention includes not only the commerce between the individual and the enterprise, but also the commerce between the enterprise and the enterprise.

Hereinafter, a payment system of an electronic commerce according to an embodiment of the present invention will be described with an example in which a commerce between a company and a company is performed, that is, a seller and a buyer are both companies and different purchase brokers and sales brokers. However, this invention is not limited to this.

1 illustrates a structure of an electronic commerce payment system according to an embodiment of the present invention.

As shown in FIG. 1, an e-commerce payment system according to an exemplary embodiment of the present invention includes a purchase request device 10 that enables a buyer to apply for a purchase of goods, and an internet 20 connected to the purchase request device 10. And a sales server 30 connected to the Internet 20 to sell the goods ordered by the purchase application device 10 and a payment server 40 connected to the Internet 20.

In addition, it may further include a business alliance server 50, which is connected to the Internet 20, and cooperates with a payment server 40.

As the purchase application device 10, a computer that can be connected to the sales server 30 or the payment server 40 through the Internet 20 is used. In addition, other communication devices such as a mobile phone that can be connected to the Internet 20 may be used. May be used.

The sales server 30 is operated by a seller who sells an article and may include a sales database in which data of various articles to be sold are stored.

The payment server 40 is operated by an intermediary that performs payment according to a purchase contract between a buyer and a seller, and includes a payment processing device 41 and a database 42.

The payment processing device 41 performs a payment for goods between the seller and the buyer according to the purchase information input from the purchase application device 10 through the Internet 20.

The database 42 includes a buyer information database 421 in which information about buyers who have affiliated with a payment service is recorded, and a payment information database 422 in which payment information concluded with a buyer who has requested a payment is stored. In addition, the document database 423 stores various documents sent to other devices.

The operation of the payment system for electronic commerce according to the embodiment of the present invention having such a structure will be described.

First, a case in which payment for a purchase of goods between a buyer and a seller is performed using an account settlement method will be described.

2 is a conceptual diagram for the case of performing an account payment. As shown in FIG. 2, when the account is settled according to an embodiment of the present invention, the buyer contracts the purchase of goods with the seller and then requests the broker to pay for the purchase contract. The broker will send the seller a payment guarantee to guarantee the buyer's payment, and the seller will then ship the item to the buyer. When the buyer instructs payment according to the delivery of the goods, the broker deposits the goods into the bank account of the seller's bank.

On the other hand, if buyers and sellers are businesses, the amount of transactions is greater than that between individuals, so that the payment of accounts between companies in e-commerce is more efficient. In addition to providing a variety of payment methods, such as payment guarantee, overdraft, overdue grace period, and other functions are provided.

The payment method using the bank account balance allows payment to be made within the balance limit in the buyer's account, and the payment method using the credit limit can be used according to the buyer's credit, regardless of the buyer's account balance. It is a method of setting a limit, performing payments within the set credit limit, and repaying the used amount from the buyer on the designated repayment date. On the other hand, it is desirable that the credit limit of the buyer be used only in electronic commerce using the Internet.

The payment method using reservation transfer is provided for buyers who do not use the bank account balance and credit limit payment method.If the broker does not pay the seller in advance and the buyer deposits the payment on the agreed payment date, It is a method of payment.

For such various payment methods, the business partnership between the buyer and the purchase brokerage week must be concluded in advance, and accordingly, the payment server 40 of the payment system according to the embodiment of the present invention is a member from a plurality of buyers who wish to arbitrate payment. After receiving the subscription request, each buyer is given a different identification code (e.g., an account number) for each buyer, and then a plurality of buyers are classified by the identification code and stored in the buyer information database 421.

The credit limit is assigned according to the buyer's credit rating and stored in the buyer information database 421 along with the buyer's contact information (e-mail address, etc.) for each buyer. In addition, the buyer information database 421 also stores information such as the balance of the buyer's account.

As such, in the state of business alliance between the buyer and the brokerage state, the electronic commerce is performed between the buyer and the seller as follows.

3A to 3C illustrate the flow of an e-commerce payment method according to a first embodiment of the present invention.

As shown in FIG. 3A, the buyer determines the unit price, quantity, and the like of the purchased item to be purchased, and then obtains a quotation for the purchased item from the seller. That is, the seller's sales server 30 calculates and provides quotation information on purchase items input through the purchase application device 10 when the purchaser connects through the Internet 20 using the purchase application device 10. (S100 to S120).

At this time, the sales server 30 together with the quotation information and information such as account number for payment.

When the purchaser is provided with the quotation information on the purchased item from the sales server 30 to the purchase application device 10, the purchaser negotiates the purchase agreement by negotiating with the seller about the amount of the purchased item, payment terms, etc. while reviewing the quotation information ( S130). When you enter into a purchase contract, determine the payment conditions, such as whether to pay for the purchased item immediately or on credit or transfer it to the seller's account on the day of booking. Decide In addition, if payment is not made immediately, a payment date for payment for the purchased items is also determined.

When the purchase contract is concluded, the purchaser connects to the site of the intermediary using the purchase application device 10 and provides the purchase server corresponding to the purchase contract concluded between the sellers together with their identification code to the payment server 40 (S140). ). The purchase information includes the price of the item purchased by the buyer, the seller's account number, the seller's contact information (such as an e-mail address) or payment date, the date of delivery of the goods, and the like.

At this time, the buyer can apply for payment by providing the purchasing information to the broker whenever he purchases the goods, and then save the information about the purchase contract that occurred for a certain time and apply for payment for all the purchase contracts in a batch. It may be.

The intermediary payment server 40 provides a selection menu for selecting various payment methods such as the bank account balance payment method, credit limit payment method, and reservation transfer payment method described above when purchase information is input from the purchase application device 10. In operation S150, the buyer selects a payment method using the purchase application device 10 (S160). And the payment processing device 41 stores the information according to the payment method selected in the payment information database 422.

As shown in FIG. 3B, when the seller selects the bank account balance payment method, the payment processing device 41 of the payment server 40 searches the buyer information database 421 according to the identification code entered by the buyer. Display the balance remaining in the buyer's account. When payment is possible with the balance in the buyer's account, the payment processing device 41 notifies the seller's contact information of the payment approval (S170 to S200). In the case of payment approval notification, the payment server 40 guarantees the payment when there is nothing wrong with the goods and ensures that the brokerage stock is responsible for the return of the goods if the goods are returned due to a problem. A letter of guarantee will be sent. As the payment for the goods is assured by the broker, the seller can safely deliver the goods.

Meanwhile, the payment processing device 41 may withdraw the payment price from the buyer's account and store it separately or hold it so that it cannot be withdrawn, and stores all sent documents in the document database 423. . In addition, the purchaser can be charged a payment guarantee fee according to the payment guarantee.

However, when payment is not possible due to the balance in the buyer's account, a payment method selection menu is provided again to select another payment method (S210).

On the other hand, even if the buyer selects the credit limit payment method, if the payment is possible within the credit limit set according to the credit rating of the buyer, after determining the cash on delivery date (cash on delivery date using the credit limit), the payment processing device (41) ) Sends a payment guarantee with notification of payment approval to the seller's contact point (S220-S260), and if payment is not possible within the buyer's credit limit, the payment method selection menu is provided again to select another payment method (S270). ).

If the buyer selects the book transfer payment method in addition to the bank account payment method or the credit limit payment method, the payment processing unit 41 sends a transaction confirmation that payment will be made when the payment is made to the payment account on the payment date agreed to the seller's contact. (S280 to S290).

In this way, when the broker informs the seller of approval of the payment according to the purchase contract of the buyer, as shown in FIG. 3C, the seller delivers the purchased item to the buyer on the reserved delivery date (S300).

When the buyer reviews the delivered goods and there is no abnormality, the purchaser instructs the payment server 40 to pay using the purchase application device 10 (S310), and accordingly the payment processing device 41 of the payment server 40. ) Deposits the payment to the seller's account on the payment date (S320).

More specifically, when the bank account balance payment method is selected, the payment processing unit 41 withdraws the payment from the buyer's account and deposits it into the seller's account. In the case of the credit limit payment method, the payment is made using the credit limit. Deposit the money into the seller's account. In the case of the reservation transfer payment method, the payment amount deposited in the buyer's account is withdrawn to the seller's account on the reservation transfer date.

On the other hand, in the case of a credit purchase agreement between the buyer and the seller, the payment will be made to the seller's account after the trauma period has elapsed, and in this case, if the seller requests the broker to pay the payment early, After deducting the fee according to the fee rate, the payment can be made early to the seller's account. At this time, it is possible to receive the payment in part and withdraw the total amount.

Next, the payment processing device 41 of the payment server 40 sends a transaction history record of the payment details to the seller and the buyer, respectively (S330).

On the other hand, in the case where the credit limit payment method is used, when the buyer deposits the payment amount into the buyer's account on the date of the payment, the payment processing device 41 withdraws the corresponding payment amount from the buyer's account. However, if the purchaser does not deposit the payment on the date of the payment, the normal fee shall be added by calculating a certain period as the deferred grace period in accordance with the conditions agreed in advance, and the delinquency fee according to the delinquent fee after the deferred grace period has elapsed. Add.

As such, the broker guarantees delivery of goods and payment of goods between buyers and sellers so that final transactions between buyers and sellers are made, resulting in safer and more efficient e-commerce.

In addition, the payment server 40 may provide a variety of information, such as approval history, related fees, deposit details, payment history, account information, inspection progress, limit, etc., at the request of the seller and the buyer. In connection with the business alliance server 50, payment intermediation may be performed.

Unlike the embodiment described above, the payment may be mediated using a card payment as follows.

4 is a conceptual diagram of another electronic commerce payment method of the present invention.

As shown in FIG. 4, in another embodiment of the present invention, the broker assigns the card number to the buyer and the card limit according to the credit rating of the buyer. At this time, the seller also applies to the broker to join the merchant. You may be assigned a number. Accordingly, when a purchaser enters into a purchase contract with the seller, the purchaser accesses the payment server 40 using the purchase application device 10 to input the purchase information and his / her card number according to the purchase contract to check availability and the card limit. After inquiring, enter into a purchase contract with the seller.

Next, the purchaser accesses the payment server 40 connected to the Internet 20 by using the purchase request device 10 and inputs purchase information (including the merchant affiliate number), and according to the purchase information, The payment processing device 41 notifies the sales server 30 of the payment approval, and sends a payment guarantee document as in the first embodiment.

When the seller delivers the purchased goods to the buyer, the buyer instructs the card payment to the payment server 40 through the purchase application device 10, and accordingly, the payment processing device 41 of the payment server 40 pays for the card use. In other words, the price of the goods is deposited into the seller's account. The payment processing device 41 stores the card use information (card use price, card payment date) of the buyer in the payment information database 423.

Next, the payment server 40 sends a transaction statement to the buyer and the seller, and after the credit period expires, that is, when the buyer deposits the card on the card settlement date, the buyer pays the card for the card usage information. Record that it is added.

Accordingly, the buyer may purchase the goods sold by the seller without informing the seller of his card information.

According to the embodiment described above, even if a domestic company or a domestic person signs a purchase contract with a foreign company or a foreigner by cooperating with a foreign broker, ie a bank, or the like through the Internet, the broker pays the domestic company or a domestic person. You can also ensure that e-commerce is smooth and reliable.

This invention is capable of various modifications and implementations without departing from the scope of the following claims.

As described above, according to the embodiment of the present invention, as the broker makes a final transaction between the buyer and the seller according to whether the broker delivers the goods and deposits the goods between the buyer and the seller in the electronic payment system, the seller pays for the goods by the seller. The possibility of this embezzlement is reduced, resulting in secure electronic commerce.

In addition, as buyers can pay for their goods according to their credit limits, and as the arbitrators guarantee buyers' credit, e-commerce between businesses can also be made smoother and more reliable.

In addition, as the buyer is directly connected to an intermediary, such as a card company, and not through the seller, and the card is approved for use, leakage of the buyer's credit information can be prevented.

Claims (10)

In an electronic commerce payment system in which a buyer accesses a seller's sales system through a purchase system and enters into a purchase contract, A buyer information database storing buyer information including a usage limit available to the buyer for each identification code of the buyer; And When the purchaser enters purchase information including an identification code, a payment price according to the purchase contract, and a seller's account number using a purchase system, the purchaser sets a payment method according to the use limit of the purchaser and then pays the price to the sales system. A payment processing device for notifying a payment guarantee and depositing a payment amount into an account of the seller according to the payment method when a payment instruction is input from the purchase system; E-commerce payment system comprising a. The method of claim 1, The identification code is an account number of the buyer. The method according to claim 1 or 2, The usage limit is set according to the account balance of the buyer, and the payment method is a method of withdrawing the payment from the account of the buyer and deposits it into the account of the seller. The method according to claim 1 or 2, The payment method is an electronic commerce payment system is a method of withdrawing the payment amount deposited in the buyer's account on the transfer date reserved with the buyer to the account of the seller. The method of claim 1, The usage limit is a credit limit set according to the buyer's credit rating, and the payment method is a method of depositing a payment to the account of the seller within the credit limit. The method of claim 1, The identification code is the credit card number of the buyer. The method according to claim 1 and 6, The usage limit is a card usage limit according to the buyer's credit rating, and the payment method is a method of card payment of the payment amount of the buyer within the card usage limit. In the payment method of the payment system of the e-commerce in which the buyer accesses the seller's sales system through the purchase system and enters into a purchase contract. When the buyer applies for payment by inputting purchase information including his identification code, the payment price according to the purchase contract, and the seller's account number using the purchase system, the buyer sets the payment method according to the usage limit of the buyer. step; Notifying a payment guarantee to the sales system; When the payment instruction is input from the purchase system, depositing the payment amount into the account of the seller according to the payment method; E-commerce payment method comprising a. The method of claim 8, The purchaser applies for payment for each purchase contract with the seller through the purchase system. The method of claim 9, The purchaser applies for a plurality of purchase contracts concluded with the seller for a predetermined amount of time through the purchase system for the electronic commerce payment method.