KR20010100486A - Electronic commerce payment system using credit card - Google Patents

Abstract

According to the present invention, when an unspecified number of customers use a credit card as a means of payment for electronic commerce in a shopping mall using the Internet, PC communication, or telephone, the payment amount for the purchased goods and services is the corresponding card company (eg, Upon approval of BC Card, Kookmin Card, Foreign Exchange Card, Samsung Card, LG Card, AMX Card, etc., the data is transferred to the operator who operates this system. It is a system that deposits directly into the account of a shopping mall operator in the bank account).

1 is a schematic diagram of an electronic commerce payment system using a credit card as a schematic diagram of the present invention. A credit card company host 2 from a main host 1 to a dedicated line 3 or an Internet communication line 3a. Or to connect to the host (2a) of the existing supplementary telecommunication network operator and pay for the goods or services purchased at each shopping mall through the Internet communication network (5) and the PC communication network or TV home shopping (6) as the main host (1). If you apply for a payment with a credit card, request payment approval from the credit card company through the existing VAN network and, upon approval, the price of the goods based on the data of the manager or contractor who operates the present invention to the shopping mall operator. Payments are made directly from the payment account and the collection of the product is replaced with the payment from the card company. Direct payment is immediately transferred to the account of the shopping mall operator through P / C banking, phone banking, leased line, and internet banking (8) of each bank through a computer or telephone connected to the main host (1) (10). It is characterized in that for operating.

Description

Electronic Commerce Direct Payment System using Credit Card {.}

The present invention is approved by a card company to a shopping mall operator using the system of the present invention when an unspecified number of customers make e-commerce or purchase goods on TV home shopping and pay by credit card using the Internet and PC communication. It is a system that performs direct debit to a designated account as soon as this occurs. Credit cards that are used as a payment method instead of cash in e-commerce are BC, VISA, Kookmin, LG, and Samsung Card.

As of end-December 1999, there are 39 million card issuers and 1.2 million card merchants, and the number is expected to increase with the government's policy to encourage credit card use. Despite the use of such a universal card, the companies operating the shopping mall have a very uncomfortable reality of receiving payment after 4-15 days depending on the circumstances of the card company after the customer purchases the product or receives the service. The purpose is to improve and pay immediately by combining W and H / W.

Shopping mall operators are not able to receive payments on the day even though they pay card fees and agency commissions related to 5 ~ 5.5% of the sales amount.

The credit card company's payment system is implied in the form as shown in FIG. As described above, in the conventional electronic commerce method, a method of depositing a post payment to a shopping mall operator account after a predetermined period of time after approval of a credit card company is commonly used.

The present invention refers to a system that pays immediately after approval from the card company of the user to the shopping mall operator using the system of the present invention beyond the existing post-payment system. This will be described in detail according to the attached system drawing as follows.

1 is a system diagram of the present invention

2 is a flowchart of an existing credit card payment system

3 is an e-commerce direct payment system block diagram

4 is an e-commerce direct payment system workflow

※ Explanation of code about main part of drawing ※

1: main host

2: (2a) Credit card company or host of VAN company

3: (3a) Dedicated line or internet communication network

4: Mall Host

5: Internet communication network

6: PC Network / TV Home Shopping

7: e-commerce users

8: Bank PC Banking, Phone Banking, Internet Banking System

9: Direct settlement account of manager's mother account or contracted bank

10: Bank Transfer

1 is a schematic diagram of an electronic commerce instant payment system of the present invention, wherein a host (2a) or a credit card company of an existing VAN company from a main host 1 to a dedicated line 3 or an Internet communication 3a. Connected to the host (2) and connects the user who makes e-commerce through the Internet communication network (5) and the PC communication network or TV home shopping (6) and each shopping mall Host (4) to give approval of the credit card company Authorization from the credit card company host (2) through the host (1) and the existing VAN company Host (2a), and PC banking, phone banking, Internet banking (8) It is a system that is immediately deposited into the payment account of the shopping mall operator (4) from the operating company mother account (9) of the bank. Here, the shopping mall operator 4 using the main host 1 can operate the system for unspecified customers connected through the Internet, PC communication, or telephone network, and there are no restrictions when joining.

The company that operates the main host 1 constructs and manages the software and the network according to the configuration of the system to each shopping mall operator 4. This completes the configuration for using the system.

In the operation of the system of the present invention, when all the systems are operated in more detail, if the customer purchases 10,000 won worth of goods and pays with the credit card company, the host company host (1) and the VAN company host (2a) Authorization is granted from the credit card company host (2) through the authorization number, and the authorization number is delivered to the commerce user through the VAN company host (2a) and the manager's main host (1). Run W, deposit credit card usage fee and manager fee deduction from manager's mother account (9) to shopping mall operator's account (4) through bank's PC banking, phone banking and Internet banking system (8). You will receive a deposit after 4-15 days from the card company.

The present invention operated as described above can be used without a separate subscription fee or equipment purchase to the operator of the system of the manager and can be cashed out immediately after the occurrence of sales is a revolutionary invention system that can greatly contribute to the capital flow of the operator.

Claims (1)

In accordance with the approval of the electronic commerce payment received from the VAN company in the operator of the present invention immediate transfer to the shopping mall operator (4) account using PC banking, PHONE banking, Internet banking system (8) from the operating company parent account (9) Payment system.