KR20010094574A - Electronic Commerce System Using Credit Card Having Electronic Money Function and the Method Thereof - Google Patents

Abstract

PURPOSE: An electronic commerce system and method using a credit card as electronic money are provided to perform an electronic commerce with a credit card by adding an electronic money function to the credit card. CONSTITUTION: A personal computer(10) accesses to the internet. A bender(12) provides a selling commodity or information to a user of the personal computer(10). An electronic money host(14) receives and stores a credit card number, a password, and credit card information from a credit card company in a database. The electronic money host(14) settles the money based on credit card information, sends the settlement result to the bender(12) and stores the settlement result in the database. The database includes an electronic money DB and a credit card DB for electronic money. A web server provides an HTML document such as input window for inputting the number of the electronic money with respect to the bender(12).

Description

Electronic Commerce System Using Credit Card Having Electronic Money Function and the Method Thereof}

The present invention relates to an electronic commerce system and a method thereof, and more particularly, it is possible to predefine an amount of money that can be used as electronic money in a credit card and to use a credit card as an electronic money in a shopping mall or a paid site on the Internet. The present invention relates to an electronic commerce system using a credit card and a method for providing an electronic money function.

In recent years, with the explosive spread of computers and the rapid increase of Internet users, electronic commerce systems have been actively constructed to enable the sale and sale of goods and information using the Internet. In the electronic commerce system, users who purchase goods or information usually use credit cards or electronic money as payment methods.

In the case of the payment method using a credit card, the user enters the card number into the input screen provided by the vendor that sells the product or information to pay for the product. It's a way of claiming.

In the electronic money method, when a user purchases a predetermined amount of a prepaid card through the Internet, a street stand or a bank, and pays for a product provided by a vendor on the Internet, the user inputs the unique number of the prepaid card. In this case, the payment is made within the limit amount of the prepaid card, and the vendor can collect and collect the sales payment immediately or after a predetermined period from the prepaid card issuer.

However, in the case of using a credit card as described above, the vendor may pay a predetermined fee to the credit card company and recover the sales price, which may cause damage to the vendor. Usually, the credit card is used for payment of more than 10,000 won. Therefore, there is a disadvantage that it is not suitable for the purchase of small products or information.

On the other hand, the method using the electronic money as described above does not cause damages to the vendor side, but there is an inconvenience that the user must purchase the electronic money in advance in order to purchase goods or information.

The present invention has been made in order to solve the above-mentioned problems, the card company and the user promises the balance for electronic money that can be used as electronic money in the credit card using an existing credit card, and in a shopping mall or a paid site on the Internet An object of the present invention is to provide an electronic commerce system and method for using the credit card as electronic money.

1 is a schematic diagram showing the overall configuration of an electronic commerce system using a credit card granted an electronic money function according to the present invention;

2 is a block diagram showing the configuration of the electronic money host of FIG.

3 is a flowchart illustrating an electronic commerce method using a credit card granted an electronic money function according to the present invention.

<Description of the symbols for the main parts of the drawings>

10: personal computer 12: vendor

14: electronic money host 16: card company host

20: Web Server 22: Application

24: Database 26: Database Management System

In order to achieve the above object, an electronic commerce system using a credit card granted an electronic money function according to the present invention is a personal computer, a product or information to be sold to the personal computer user is connected to the personal computer through the Internet network And a vendor providing an electronic money host, the electronic money host receiving credit card information including a credit card number, a password, and a balance for electronic money that can be used as electronic money in the credit card from a credit card company. Storing in the database, linked to the vendor for payment of the sales price of the product or information, and performing a payment based on the information of the credit card, and transferring the payment result to the vendor and storing in the database. It is done.

According to the electronic commerce method using a credit card granted an electronic money function according to the present invention, by receiving the credit card information including the credit card number and the balance for electronic money that can be used as electronic money in the credit card from the credit card company Storing in a database of the electronic money host; Connecting a user of a personal computer to a vendor selling goods or information through an Internet network; When the payment of the sale price of the product or information is linked to the electronic money host to a vendor to perform a payment based on the information of the credit card; And storing the payment result data in the database by the electronic money host.

Hereinafter, with reference to the accompanying drawings will be described in detail a preferred embodiment of the present invention.

The term "credit card" used in the present invention refers to a credit card, regardless of the name of a credit card, as well as a general credit card, so that the card company secures the user's credit, so that the user can pay for a certain amount of money. Means issued card.

In addition, the term "electronic money" used in the present invention is a kind of prepaid card that a user pays for a certain amount on the Internet, a street stand or a bank, and then purchases a product or information in a shopping mall or a paid site. It is cyber money that allows payment by entering a unique number of electronic money.

1 is a view showing the overall configuration of an electronic commerce system using a credit card granted an electronic money function according to the present invention.

1, at least one personal computer 10 is connected to a vendor 12 via an internet network. The vendor 12 is connected to the electronic money host 14 through a network including an internet network, and the electronic money host 14 is also connected to a card company host 16 through a network including an internet network. The personal computer 10 includes an operating system, a network interface, and a web browser for internet access. The operating system may be a commercial program such as Windows 98 or Windows 2000. The network interface may be a hardware or communication connection program or a networking program such as a modem or a LAN card that allows the personal computer 10 to access the Internet. The user interface for starting and operating the Internet is through a web browser, such as Microsoft's commonly used Internet Explorer or Netscape's Navigator.

The vendor 12 is an operator who operates a shopping mall or other paid site that provides the user of the personal computer 10 with goods or information to sell. The vendor 12 stores the list numbers and prices of all products sold in its own database, and the electronic money host 14 when the user wants to pay using a credit card having an electronic money or an electronic money function. The payment process is made by the electronic money host (14).

FIG. 2 is a block diagram showing the configuration of the electronic money host 14 of FIG.

The electronic money host 14 is operated by the electronic money issuer. The electronic money host 14 includes a web server 20, an application program 22, and a database 24. The web server 20 operates as an HTML server that provides an HTML document, such as an input window for inputting a unique number of electronic money, to the vendor 12 at the time of payment, and provides an application program (API) through an application program interface (API). 22).

The application 22 manages electronic money related information such as the unique number of the electronic money issued by the operator of the electronic money host 14, the balance of the electronic money, the expiration date of the electronic money, and the data related to the electronic money is leaked to the outside. It is a program that performs a firewall function to prevent the case of a computer or a host being hacked.

The database management system (DBMS) 26 stores data in the database 24 or transfers data from the database 24 to the application 22 according to the request of the application 22.

The database 24 includes an electronic money DB and a credit card DB for electronic money. The electronic money DB stores information about the electronic money in its original meaning issued by the prepaid card. That is, the electronic money DB stores information such as the unique number of the electronic money, the balance of the electronic money, the expiration date of the purchased product list, and the price of the purchased product. The credit card DB for electronic money stores credit card information including the credit card number received from the credit card company, the credit card password, the balance of the credit card electronic money, the expiration date of the credit card, the list of products purchased and the price of the product. do.

In the preferred embodiment of the present invention, the card company host 16 and the electronic money host 14 are connected through a network such as the Internet or an additional communication network (VAN) to receive credit card related information from the card company host 16 online. It is possible to store in the credit card DB for electronic money, on the contrary, the data of the credit card DB information for electronic money in which the processing information of the credit card processed by the electronic money host 14 is stored in the card company host in the electronic money host 14. 16) to be transmitted.

The credit card company can issue a credit card bill to the user using the credit card DB information for electronic money received from the electronic money host 14.

The user may request that the credit card be given a telephone currency function by agreement with the credit card company. This request can be made by visit to the card company, by phone or by the Internet.

When the credit card company receives the request from the user, the electronic money balance of the user credit card and the electronic money host 14 operator information are further stored in its own database which stores the credit card information. Payment between the credit card company and the operator of the electronic money host 14 requires the card company to prepay before storing the credit card related information such as the credit card number and balance for the electronic money in the database 24 of the electronic money host 14. There may be a method by which the card company pays or by the user's claim of the electronic money host 14 operator by the amount used by the user for the electronic money balance.

3 is a flowchart illustrating an electronic commerce method using a credit card granted an electronic money function according to the present invention.

If a user with a credit card wants to purchase goods or information at a shopping mall or other paid site using electronic money, he / she asks the credit card company to grant the electronic money function to the credit card and set the amount to be used as electronic money. (S100). At this time, in order to prevent the leakage of the credit card password, the electronic money password for use when the credit card is used as electronic money can be set and registered separately from the password of the credit card. The credit card company stores the electronic money balance and the electronic money host 14 operator information in addition to the user information stored in its database (S101).

The credit card company transmits the credit card information including the number, password, credit card expiration date and balance for the electronic money to which the electronic money function is granted to the electronic money host 14, and the electronic money host 14 receives the received credit card information. The credit card information is stored in the database 24 (S102).

After the above process, the user can use his credit card as electronic money at the time of electronic commerce.

A user who wants to purchase goods or information on the Internet using a credit card as electronic money executes a web browser of the personal computer 10 and accesses a website such as a shopping mall operated by the vendor 12 through the Internet network ( S103). The vendor 12 is any site operator who sells various goods or digital content in addition to a site named a shopping mall.

The user searches for a product or information provided by the vendor 12, selects a purchased product, and clicks a specific icon or a hyperlinked letter on the screen provided by the vendor 12 to indicate a willingness to make a payment. It performs (S104).

When the vendor 12 receives the payment intention indication, the electronic money host 14 is linked to the vendor 12 by a communication protocol between the vendor 12 and the electronic money host 14, and the Make a payment based on the information. In order to perform the payment, the electronic money host 14 provides a personal number input window of the electronic money to the user of the personal computer 10 and requests a card number and a password to be input (S105). When the card number and the password of the credit card provided with the function are input, the electronic money host 14 determines whether to approve the sale of goods or information based on the balance for electronic money of the credit card (S106). That is, if the balance for electronic money stored in the credit card DB for electronic money in the database is greater than the selling price, the sales approval is made and the sales approval signal and the post-sales balance are transmitted to the vendor 12 to notify the user (S107). If there is a reason for the suspension of the card transaction such as the balance for the electronic money is less than the selling price or the deadline for the use of the card has elapsed, the sales signal and the balance for the electronic money are transmitted to the vendor 12 to notify the user. (S108).

If the sale is approved, the electronic money host 14 reduces and updates the electronic money balance stored in the database by the selling price, and stores the updated electronic money balance, the list of purchased goods, and the price in the database 24 (S109).

When the sale is approved and the payment process is completed, when the purchase item is a product, the vendor 12 delivers the paid product to the user, and when the purchase item is information, transmits the corresponding information to the user (S110).

The subsequent process is related to the payment settlement (S111) between the vendor 12 and the operator of the electronic money host 14 and the card company, and the vendor 12 sells the goods or information for sale immediately or after a certain period of time. (14) The operator will be billed to receive the payout.

On the other hand, the payment between the credit card company and the operator of the electronic money host 14 is prepaid by the card company before storing the credit card information such as the credit card number and the balance for the electronic money in the database of the electronic money host 14. In this case, the settlement process is not necessary between the two parties, but the products, sale date and price information, balance for electronic money, etc. are issued from the operator of the credit card company so that the credit card company can issue the card bill to the user. Must be delivered to Such information is preferably delivered online.

If the balance for the electronic money is not paid in advance to the operator of the electronic money host 14 from the card company, there may be a method in which the card company pays the bill by the operator of the electronic money host 14 according to the amount used by the user. . In this case, the merchandise for sale, the date of sale and the price information, and the balance for electronic money must be transmitted from the operator of the electronic money host 14 to the credit card company so that the credit card company can issue the card bill to the user.

Although the preferred embodiment of the present invention has been described above, it is disclosed for the purpose of illustration, and various modifications, changes, additions, and the like will be possible to those skilled in the art as illustrative and within the spirit and scope of the present invention. It should be seen that they belong to the following claims.

As described above, according to the present invention, by providing an electronic money function to a credit card, a user can make an electronic commerce transaction even with a single credit card without having to purchase an electronic money for electronic commerce. Not only do you have to pay a commission, you can recover the sales price stably, and the effect is to increase the use of credit cards.

Claims (6)

In the electronic commerce system to buy and sell goods and information on the Internet, Personal computer; A vendor to which the personal computer is connected through an internet network and provides goods or information for sale to the personal computer user; And, Receive credit card information from a credit card company, including credit card numbers, passwords, and balances for electronic money that can be used as electronic money in the credit card, and store them in a database, upon payment of the sale price of the product or information. Using a credit card provided with an electronic money function characterized in that it has an electronic money host for performing a payment based on the information of the credit card and transferring the payment result to the vendor and storing it in the database. E-commerce system. 2. The method of claim 1, further comprising: transmitting credit card information to the electronic money host, the credit card number comprising a credit card number, a password, and a balance for electronic money that can be used as electronic money on the credit card, connected via a network with the electronic money host. And a credit card company host for receiving and storing the credit card information processed by the electronic money host. In the electronic commerce method to buy and sell goods or information on the Internet, (a) receiving credit card information including a credit card number, a password, and a balance for electronic money that can be used as electronic money in the credit card, and storing it in a database of an electronic money host; (b) a user of a personal computer accessing a vendor selling goods or information via an Internet network; (c) upon payment of the sale price of the product or information, the electronic money host linked to a vendor to perform payment based on credit card information including the balance for electronic money of the credit card; And, (d) storing the payment result data in the database by the electronic money host. According to claim 3, The step of performing the payment of the step (c), (e) the electronic money host requesting a personal computer user to enter a credit card number and password; (f) If the user enters a credit card number, the electronic money host sends a sales approval signal and post-sales balance to the vendor if the balance is greater than the sale price of the product or information based on the balance for the electronic money of the credit card. And transmitting a non-sold signal and the balance to a vendor when the balance is less than the selling price of the product or information. 4. The electronic billing result of claim 3, wherein the payment result data stored in the database in the step (d) includes a balance for electronic money, a list of purchased goods, a purchase price information, and a purchase date of a credit card. Electronic Commerce Method Using Credit Card with Monetary Function The method according to any one of claims 3 to 5, further comprising after step (d): The credit card company receives the payment result data including the balance for the electronic money of the credit card, the list of the purchased goods and the purchase price information, and the purchase date so that the credit card company can issue the card bill to the user. E-commerce method using a credit card granted an electronic money function, characterized in that it comprises the step of transmitting to the host.