KR20010075794A - System for the price sanction using a mobile phone in electronic commerce service - Google Patents

Abstract

PURPOSE: A payment system using a portable phone of electronic commerce is provided to use a portable phone for the payment of the goods purchased in an electronic commerce web site. CONSTITUTION: A communication network(10) connects a plurality of client PCs(20), a plurality of electronic commerce web sites(30) and a main server(40) through communication lines so that data communication can be achieved between them. The PCs(20) access the electronic commerce web sites(30) through the communication network(10) according to the communication access of mobile subscribers. Each PC(20) accesses the main server(30) executing the payment of the electronic commerce settlement price by proxy according to each user's communication access, and outputs the information of relevant goods and portable phone data to the main server(40). The electronic commerce web sites(30) provide various goods information on the web so that client PC users can confirm. If the settlement of the goods selected by users is made by the main server(30), the electronic commerce web sites(30) delivers the relevant goods to appointed addresses.

Description

Payment system using a mobile phone when using e-commerce {System for the price sanction using a mobile phone in electronic commerce service}

The present invention relates to a payment system when using e-commerce.

More specifically, when a user wants to purchase a product by accessing an e-commerce website established on the Internet, the user can use the mobile phone as a payment method for the product. It is about a payment system.

In recent years, with the explosive spread of computers, the world is connected to a single network through the Internet, an area where users around the world can share time and space.

As a result, many companies have created websites on the Internet to promote or provide their information to netizens around the world, as well as find the information they want.

In other words, when a user runs a web browser installed on the computer to connect to the Internet and enters a specific URL (Universal Resource Locator), the web browser connects to the server where the website is located, and the user provides the website. It is possible to use a variety of information in the form of text or graphics.

As such, Internet users around the world can use the Internet anytime, anywhere, without any time and space constraints. As the number of websites increases, new websites are emerging that are different from the existing websites.

Among these websites, e-commerce websites that allow users of various levels to purchase various goods such as clothing, books, and records on the Internet are rapidly increasing according to the popularity of Internet users. Increasingly, websites offer lectures or provide paid information through space.

In addition, portal websites that provide search services, provide free e-mail, provide homepage space, and provide cyber folders are also gaining popularity among Internet users, and these portal websites also have limitations on the revenue from advertising. There is a trend to introduce the above-described electronic commerce to overcome.

In this case, when a plurality of users use the above-mentioned e-commerce website, each user accesses a website opened on the Internet and directly selects various items such as books and records, even if they do not visit the store directly, and then selects a credit card ( Payment will be made via credit card, IC card, digital cash, etc., and the item will be received by mail at the address you specify.

However, in the case of using the credit card for the payment of the conventional electronic commerce system as described above, the user may enter the credit card information and leak the credit card number by hacking, which may be illegally used by others. Of course, there is a problem that the user does not have a credit card can not use e-commerce.

In the case of using a smart card such as an IC card, there is an advantage of embedding a monetary value in the IC card. However, when manufacturing an IC card, a lot of manufacturing cost is required, and a forgery possibility is very high, and a user has a dedicated card reader. There was discomfort that should be.

In addition, even when using the digital cache, personal information is leaked by hacking, which can be used illegally by others, and in order to use the digital cache, it is inconvenient to use a complicated dedicated program of a password input method. There was a risk that the digital cache would be destroyed if something went wrong.

An object of the present invention is to allow a plurality of users to access the e-commerce website established on the Internet to use the mobile phone as a means of payment of the item when there is an item to be purchased To provide a payment system using a mobile phone when using e-commerce.

1 is a block diagram schematically showing the configuration of a payment system using a mobile phone when using e-commerce according to the present invention;

2 is a block diagram showing in detail the configuration of the main server of FIG.

3 is a flow chart showing in detail the flow of the payment method using a mobile phone when using the e-commerce according to the present invention;

4 to 9 are flowcharts showing in detail the operation of each subroutine of FIG.

Explanation of symbols on the main parts of the drawings

10: network communication network 20: client PC

30: E-Commerce Website 40: Main Server

41: program input unit 42: main control unit

43: database unit 44: communication control unit

50: mobile phone operator operating server

Payment system using a mobile phone when using the e-commerce in accordance with the present invention for achieving the above object, the network communication network to connect the unspecified number of communication lines and data communication between each other; In order to sell goods online, a plurality of goods information is provided on the web so that a plurality of users can check the goods information. When the payment of the goods selected by the plurality of users is made, the goods are sent to the address designated by the user. A plurality of e-commerce websites; According to the communication access of the mobile phone subscriber who wants to use the e-commerce, the e-commerce website connects to a plurality of e-commerce websites, and if there is an item to be purchased on the e-commerce website, the external server that pays the e-commerce payment A plurality of client PCs connected to each other and outputting information of the corresponding item input by the user and cellular phone data to the outside according to a predetermined form provided from the outside; Stores the information of a specific item for e-commerce and mobile phone data of the user inputted from a plurality of client PCs, and accesses an e-commerce website selling the product to perform e-commerce of the item selected by the user. Pay the settlement fee from the e-commerce website, and pay the settlement fee with a predetermined fee to the mobile phone service provider of the mobile phone subscriber who uses the client PC. A main server requesting reimbursement; When a request for repayment of the payment price according to an e-commerce of a specific mobile phone subscriber is made from the main server, the payment service is reimbursed to the main server, and a mobile phone operator operating for reimbursement for mobile phone subscribers using multiple client PCs is operated. Characterized in that it comprises a server.

In addition, the payment method using a mobile phone when using the e-commerce according to the present invention, (1) the client PC users who use the mobile phone connected to the main server for billing payment and the e-commerce data of the goods to be purchased and carry Inputting telephone data; (2) performing e-commerce by accessing the e-commerce website from the main server according to the e-commerce data input by the corresponding user; (3) paying the payment of the goods from the main server to each e-commerce website, and sending the goods from the e-commerce website to the address designated by the user; (4) requesting the payment of the payment price according to the e-commerce of the mobile phone subscriber from the main server paying the payment to the mobile phone operator operating server to receive the payment; (5) The mobile phone operator operating server, characterized in that it comprises the process of charging and receiving the reimbursement payment to the mobile phone subscriber.

Hereinafter, with reference to the accompanying drawings will be described in detail the billing system using a mobile phone when using the e-commerce of the present invention.

1 is a block diagram schematically showing the configuration of the payment system using a mobile phone when using the electronic commerce according to the present invention.

As shown, the network communication network 10 connects communication lines between a plurality of client PCs 20, a plurality of e-commerce websites 30, and a main server 40, which will be described later, to perform data communication with each other. To lose.

The plurality of client PCs 20 access the plurality of e-commerce websites 30 to be described later according to the communication connection of the mobile phone subscriber who wants to use the e-commerce through the network communication network 10, and each user receives the corresponding e-commerce. Among the various items, such as books and records sold on the website 30, it is possible to check the items to be purchased.

Then, the plurality of client PCs 20 connect to the main server 40 to be described later that pays for the e-commerce payment according to each user's communication connection, and the user according to a predetermined form provided by the main server 40. And outputs the information of the article and the mobile phone data input to the main server 40.

The plurality of e-commerce websites 30 provide a plurality of item information on the web to sell the goods online so that the client PC 20 users can check the item information, and the plurality of items by the main server 40 to be described later. When the payment is made for the item selected by the user, the item is sent to the address designated by the user.

The main server 40 may include e-commerce data of a specific item for e-commerce, such as a URL of an e-commerce website input from a plurality of client PCs 20, an article code (or article name), a purchase quantity, an article destination address, and the like. Stores the user's mobile phone data, accesses the e-commerce website 30 that sells the goods according to the URL of the e-commerce website entered by each user, and performs e-commerce of the goods selected by the user. do.

In addition, the main server 40 pays the settlement price when the payment request from the e-commerce website 30 is requested, and the cellular phone subscriber's mobile phone using the corresponding client PC 10 paid in accordance with the performance of the electronic commerce. Ask the operator to reimburse payment for payment including a predetermined fee, and receive the corresponding amount from the mobile phone operator operating server 50 to be described later.

When the mobile phone operator operating server 50 makes a request for reimbursement of the payment price according to the e-commerce of a specific mobile phone subscriber from the main server 40, the mobile phone operator operating server 50 repays the corresponding payment price to the main server 40. The mobile phone subscriber using the client PC 20 is charged and stored in a reimbursement fee.

At this time, as described above, the mobile phone operator operating server 50 that repays the amount of the electronic commerce to the main server 40 may include a predetermined fee in the reimbursement amount and bill each mobile phone subscriber. The service can also be provided free of charge.

2 is a block diagram showing the configuration of the main server 40 of FIG. 1 described above in detail.

As shown, the program input unit 41 receives an operation program related to the electronic commerce payment payment of the mobile phone subscriber by the server administrator and outputs it to the main control unit 42 to be described later.

The main control unit 42 controls the storage of the e-commerce data and the mobile phone data of the item to be purchased inputted by the plurality of client PC 20 users who use the mobile phone, and inputs by the users of the plurality of client PCs 20. The electronic commerce website 30 is connected to the electronic commerce website 30 to purchase the item and control the payment of the payment.

In addition, the main control unit 42 is the mobile phone operator operating server 50 side of the payment amount and the predetermined fee paid to the e-commerce website 30 side through the mobile phone data input by the client PC 20 user Claim to control the payment.

The database unit 43 stores the e-commerce data and the mobile phone data input by the users of each client PC 20 under the control of the main control unit 42, and stores the payment payment information together with the result of performing the e-commerce. do.

The communication control unit 44 outputs the e-commerce data and mobile phone data of each user input from the plurality of client PCs 20 connected through the network communication network 10 such as the Internet to the main control unit 42, and the main control unit 42. Under the control of 42, a user accesses a specific e-commerce website 30 to input and output various data generated during e-commerce with the e-commerce website 30, and e-commerce of each user subscribed to a mobile phone. Payment data according to the mobile phone operator operating server 50 is output.

At this time, in the above-described embodiment of the present invention has been described as an example that the payment of the payment for each user using the mobile phone in the main server 40 as an example, but is not limited to this, in addition to that according to the electronic commerce Of course, the payment service can be configured to be executed directly on the e-commerce website side, not the main server.

Next, the operation of the payment system using the mobile phone when using the electronic commerce according to the present invention configured as described above will be described in detail with reference to FIGS.

3 to 9 are flowcharts showing in detail the flow of the payment method using a mobile phone when using the e-commerce according to the present invention.

First, users who use a plurality of e-commerce websites 30 established in a network communication network 10 such as the Internet can use the mobile phone without paying the payment for goods purchase without using a general credit card or transfer method. When the user wants to pay the bill, each client PC 20 user who uses the mobile phone checks a predetermined item to be purchased among various items sold on the specific e-commerce website 30 and then pays the bill. The e-commerce data and the mobile phone data of the item to be purchased must be input by accessing the main server 40 (S10).

That is, a plurality of client PC 20 users proceed to the connection to a specific e-commerce website 30 for using the e-commerce (S11), a plurality of goods information sold in the connected e-commerce website (30) After checking whether there is an item to be purchased (S12), the mobile phone data is used to access the main server 40 that pays the bill (S13).

Then, the client PC 20 user connected to the main server 40, according to a predetermined form provided by the main server 40, the URL of the e-commerce website, article code (or article name), purchase quantity, article acquisition The electronic commerce data of the purchased goods such as the local address and the mobile phone data of the user are input (S14).

As such, when the users of the client PC 20 input the e-commerce data and the mobile phone data of the purchased item into the main server 40, the main server 40 may select a specific e-commerce website ( 30 and performs an electronic commerce (S20).

That is, the main server 40 stores the e-commerce data and the mobile phone data of the purchase item input by each client PC 20 user (S21), and performs the e-commerce generation and the e-commerce authentication to the corresponding mobile phone user. Outputs a message (S22), and determines whether a key signal for authenticating the electronic commerce is input from the mobile phone user (S23).

Then, according to the e-commerce data input by each user proceeds to access the e-commerce website 30 (S24), and selects the goods specified by the user to sell in the e-commerce website (30) (S25) In accordance with a predetermined form provided by the corresponding e-commerce website 30, each client PC 20 users who use the mobile phone according to the data entered in advance, the payment method, the purchase quantity, the address of the goods delivery address, etc. Input (S26).

In addition, unlike the description of the above-described process (S20) including the authentication process performed when the e-commerce of the mobile phone user occurs, as shown in FIG. 6, the main server 40 is input by each client PC 20 user. When the electronic commerce data and the mobile phone data of the purchased goods to be stored (S21-1), the main server 40 to the corresponding e-commerce website 30 according to the e-commerce data input by each user without a separate authentication procedure Connection can proceed (S22-1).

After accessing the e-commerce website 30, the user selects the goods designated by the user to sell on the e-commerce website 30 (S23-1), and provides the corresponding e-commerce website 30. In accordance with a predetermined form, the client PC 20 using the mobile phone inputs a payment method, a purchase quantity, a corresponding address of the goods receiving address, etc. according to the data previously input (S24-1).

Accordingly, the e-commerce website 30 checks whether the price of the goods is paid by the main server 40, and if the payment is made, the goods are sent to the address designated by the user (S30).

That is, the main server 40 pays the goods payment price according to the e-commerce of each user to the specific e-commerce website 30 side, and stores the payment result for each user (S31).

In addition, the specific e-commerce website 30 determines whether the payment of the corresponding item is made by the main server 40 (S32), and when the payment is made by the main server 40, the item is transferred to the address of the user. Ship (S33).

Now, as described in the above-described process (S30), when the payment for the goods and the shipment of the goods is made, the main server 40 that pays the bills, the mobile phone operator operating server 50 to the electronic subscriber of the mobile phone subscriber. The payment is made by requesting the payment of the payment price according to the commerce (S40).

That is, the main server 40 calculates a payment fee and a predetermined fee for each user based on payment data of the corresponding item performed according to the electronic commerce data inputted by the mobile phone subscriber to the main server 40 ( S41), a request is made to the cellular phone operator operating server 50 for reimbursement of the amount calculated in step S41 described above (S42).

Then, it is determined whether the payment of the corresponding amount is made from the mobile phone operator operating server 50 (S43), and when the payment of the amount from the mobile phone operator operating server 50 is completed, the e-commerce service of the corresponding mobile phone subscriber is terminated ( S44).

Finally, the mobile phone operator operating server 50 that has reimbursed the corresponding amount in response to the request for reimbursement of the main server 40 receives and accepts the reimbursement fee from the mobile phone subscriber (S50).

That is, the mobile phone operator operating server 50 stores the amounts reimbursed in the main server 40 that paid for the payment according to the e-commerce of each mobile phone subscriber for each user (S51), and stores the reimbursed amount in the stored reimbursement amount. Accordingly, each mobile phone subscriber is billed together with the mobile phone usage fee (S52), and the reimbursement charges charged to the mobile phone subscriber are stored (S53).

As described above, according to the payment system using a mobile phone when using the electronic commerce of the present invention, the payment can be performed through the mobile phone without using a credit card, digital cache, IC card, etc. as a payment method when using the electronic commerce. Therefore, the risk of information leakage or computer malfunction due to the hacking of another person is greatly reduced, thereby enabling the safe use of electronic commerce.

Claims (9)

A network communication network which connects unspecified communication lines to perform data communication with each other; In order to sell goods online, a plurality of goods information is provided on the web so that a plurality of users can check the goods information, and when the payment of the goods selected by the plurality of users is made, the goods are sent to the address designated by the user. A plurality of e-commerce websites; In accordance with the communication access of the mobile subscriber to use e-commerce, access is made to the plurality of e-commerce websites through the network communication network, and if there is an item to be purchased on the e-commerce website, payment for the e-commerce payment is made. A plurality of client PCs connected to an external specific server to externally output information of the corresponding item input by the user and mobile phone data according to an externally provided form; Stores information of a specific item for e-commerce and mobile phone data of the user inputted from the plurality of client PCs, accesses an e-commerce website that sells the item, and executes e-commerce of the item selected by the user. Pays the settlement fee when the payment request is made from the e-commerce website, and pays a predetermined fee to the cellular phone service provider of the cellular phone subscriber using the corresponding client PC. A main server for requesting reimbursement of the price; And When the request for repayment of the payment price according to the e-commerce of a specific mobile phone subscriber is made from the main server, the payment is repaid to the main server, and the mobile phone for reimbursing the mobile phone subscribers using the plurality of client PCs. Payment system using a mobile phone when using e-commerce, characterized in that configured to include a telephone operator operating server. The method of claim 1, wherein the main server, A program input unit for inputting, by a server administrator, an operation program related to the payment for the electronic commerce payment of the mobile phone subscriber; The electronic commerce web is controlled according to the electronic commerce data inputted by the plurality of client PC users. The purchaser of the product is connected to the site to control the payment of the payment, and the mobile phone service provider pays a predetermined fee and a predetermined fee paid to the e-commerce website through the mobile phone data input by the user. Main control unit for controlling the billing to the operation server side to be paid; A database unit for storing e-commerce data and mobile phone data input by each client PC user under the control of the main controller, and storing payment information together with the result of performing the e-commerce transaction; And Outputs e-commerce data and mobile phone data of each user input from the plurality of client PCs connected through the network communication network to the main controller, and performs connection with a specific e-commerce website under the control of the main controller. And a communication control unit for inputting and outputting data generated during an e-commerce transaction with the corresponding e-commerce website, and outputting payment data according to the e-commerce of each user subscribed to the mobile phone to the mobile phone operator operating server. Payment system using a mobile phone when using e-commerce, characterized in that. (1) a process of inputting e-commerce data and mobile phone data of an item to be purchased by a client PC user using a mobile phone connected to a main server for payment; (2) performing e-commerce by accessing the e-commerce website from the main server according to the e-commerce data input by the corresponding user; (3) paying the payment of the goods from the main server to each e-commerce website, and sending the goods from the e-commerce website to the address designated by the user; (4) requesting the payment of the payment price according to the e-commerce of the mobile phone subscriber from the main server paying the payment to the mobile phone operator operating server to receive the payment; And (5) Payment method using a mobile phone when using the e-commerce, characterized in that the mobile phone operator operating server comprising the process of charging and receiving the reimbursement payment to the mobile phone subscriber. The method of claim 3, wherein the process (1), (1-1) a plurality of client PC users proceeding to access a specific e-commerce website; (1-2) identifying an item to be purchased among a plurality of item information sold by the corresponding e-commerce website; (1-3) accessing the main server by the corresponding user who has confirmed the purchased goods; And (1-4) A payment method using a mobile phone when using e-commerce, characterized in that the step of inputting the e-commerce data and the mobile phone data of the purchased goods according to a predetermined form provided by the main server. The method of claim 3, wherein the process (2), (2-1) storing the e-commerce data and the mobile phone data of the purchase item input by each user; (2-2) outputting a message for generating an electronic commerce and authenticating the electronic commerce to the mobile phone user; (2-3) determining whether a key signal for authenticating electronic commerce is input from the mobile phone user; (2-4) accessing the e-commerce website according to the e-commerce data input by the user when authentication of the mobile phone user is confirmed; (2-5) selecting the item designated by the user in the e-commerce website; And (2-6) Payment by using a mobile phone when using e-commerce, comprising the step of inputting a payment method, a purchase quantity, and a destination address of the goods according to a predetermined form provided by the e-commerce website. Way. The method of claim 3, wherein the process (2), (2-1-1) storing electronic commerce data and mobile phone data of a purchase item input by each user; (2-2-1) accessing the e-commerce website according to the e-commerce data input by the user when authentication of the mobile phone user is confirmed; (2-3-1) selecting the item designated by the user in the e-commerce website; And (2-4-1) using a mobile phone when using e-commerce, comprising the step of inputting a payment method, a purchase quantity, and a destination address of the goods according to a predetermined form provided by the e-commerce website. Payment method. The method of claim 3, wherein the process (3), (3-1) at the main server, paying the payment for the goods according to the e-commerce of each user on a specific e-commerce website and storing the payment result for each user; (3-2) determining whether payment of the goods is made at the e-commerce website; And (3-3) The payment method using a mobile phone when using the e-commerce, characterized in that it comprises the step of sending the article from the e-commerce website to the user's address. The method of claim 3, wherein the process (4), (4-1) calculating a payment amount and a predetermined fee for each user based on payment data for the corresponding item performed according to the electronic commerce data inputted to the main server by each mobile phone subscriber; (4-2) requesting the cellular phone operator operating server to reimburse the amount calculated in step (4-1); (4-3) determining whether reimbursement of the corresponding amount is made from the mobile phone operator operating server; And (4-4) Payment method using a mobile phone when using the electronic commerce, characterized in that comprises the step of terminating the e-commerce service of the mobile phone subscriber when the payment of money from the mobile phone operator operating server is completed. The method of claim 3, wherein the process (5), (5-1) storing, by each user, the amount reimbursed in the main server that paid for the payment according to the e-commerce of each mobile phone subscriber in the mobile phone operator operating server; (5-2) billing each cellular phone subscriber a stored reimbursement amount; And (5-3) Payment method using a mobile phone when using the e-commerce, characterized in that it comprises the step of receiving the reimbursement charges charged to the mobile phone subscriber.