KR20010102776A - Settlement Method of Goods Purchase use Communications Network - Google Patents

Abstract

The present invention relates to a product purchase payment method using a communication network to order goods through the Internet communication network and provide information of any one of the payment means desired by the user to make a payment while receiving the ordered goods. The purchase method of the purchase of the goods is a step in which an internet user performs a consumer registration (name, resident registration number, address, expected telephone number, ID, PASS, etc.) on a shopping mall server and purchases a product as a consumer, and a consumer provided by the internet user. The management company server that stores the information requested by the shopping mall server based on the registered information. The Internet user provides the order number and the information of the payment method desired through a separate communication network, and the order received from the Internet user. The management company server receives the number and password to the shopping mall server, and purchases a charge from the financial company or the telecommunication company, and charges the Internet user for the expenses paid by the financial company or the telecommunication company. This prevents the leakage of information and can be easily used by people without a credit card, and it is possible to exclude the risk of financial accidents due to theft because the payment is not made unless it is a registered number. Without this information, approval is impossible and thus provides the effect of achieving safe use.

Description

Settlement Method of Goods Purchase use Communications Network

The present invention relates to a product purchase payment method for enabling secure communication purchase without leaking information on the payment means provided when purchasing the goods through a communication network, and more specifically, to order the goods through the Internet communication network and all the various payments The present invention relates to a payment method for purchasing goods using a communication network, which provides secure payment of goods while receiving the ordered goods by providing any payment information desired by the user.

With the development of the Internet, e-commerce through the Internet is rapidly increasing, and e-commerce is inevitably accompanied by payment.

In the past, various payment systems have been proposed, among which payment systems using credit cards are widely used. Credit card use is made by telling the credit card number, but this is only for the buyer who owns the credit card, so it is possible to purchase the goods, and also the security information that the information about the credit card is leaked according to the information transmitted through the network. there is a problem.

In addition, in the payment system using a credit card, when making small payments, it is often reluctant to use a credit card, and thus it is not possible to purchase a wide range of goods. Therefore, it is not free to use electronic commerce. There is a problem in that the expansion of the consumer base can not be achieved because the use is restricted because it can not be.

The present invention has been made to solve such a conventional problem, the purchase of goods on the Internet to ensure that any one of the information about the desired payment means secure payment is made so as to avoid information leakage related to payment caused by information leakage A communication network that can further spread the culture of e-commerce through reliable payments, such as eliminating anxiety, enabling secure and prompt payments, and providing a safe and convenient e-commerce by providing a variety of purchase opportunities for people without credit cards. To provide a method of payment for purchasing goods used.

1 is a schematic diagram of a state in which the components of the present invention are connected through an Internet network and a dedicated network,

2 is a flowchart showing the flow of the shopping and payment method according to the present invention,

3 is a flowchart showing the flow of a method of making a payment with various cards according to the present invention;

Figure 4 is a flow chart showing the flow of the method of automatic payment in the account in accordance with the present invention,

5 is a flowchart showing the flow of the telephone non-direct debit method according to the present invention,

6 is a flowchart showing the flow of a payment method through installment financing according to the present invention.

-Explanation of symbols for the main parts of the drawings-

10; Internet users 20; Internet network

30; Shopping mall server 40; Management company server

50; Telecommunications company or financial company server

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

1 is a schematic diagram of a state in which the components of the present invention are connected through an Internet network and a dedicated network.

In the purchase method of goods purchase using the communication network of the present invention, the Internet user 10 accesses the shopping mall server 30 through the Internet network 20. The shopping mall server 30 is connected to the management company server 40 that manages information related to the e-commerce, the Internet user 10 by using any payment means desired over the phone to the details ordered in the e-commerce Relevant purchase approval can be obtained. In addition, the management company server 40 is connected to the communication company or the financial company 60 server to receive charges from the communication company or the financial company 60, the communication company to the financial company 60 is the amount for this Billing and prepayment to the Internet user 10 is made possible.

Referring to Figure 2 will be described the shopping and payment method of the present invention. 2 is a flowchart illustrating the flow of a shopping and payment method according to the present invention.

First, the Internet user 10 accesses the shopping mall server 30 to register a name, resident registration number, current address, expected phone number (provided only if necessary), ID, PASS, etc. (S01), and necessary products Select and place a purchase request order (S02), the shopping mall server 30 stores the order contents as the order number and then informs the order number to show the user on the Internet to be received (S10), the shopping mall server (30) ) Is a user authentication request is delivered to the management company server 40 through a dedicated line or a public network at the same time (S11), and the order number provided by the Internet user 10 to the management company server 40 and The payment approval is completed by providing any one of all desired payment information (for example, credit card, debit card, prepaid card, cash card, etc.) in the mobile phone password or financial settlement means (S12).

In this case, the shopping mall server 30 sends an order number in which price information is stored to the management company server 40 to manage it, and the Internet user 10 calls the order number and a desired payment method over the phone to the management company server 40. Enter information about. The management company server 40 approves the order to the shopping mall server 30 after determining the credit based on the information provided by the user (S13). In addition, the management company server 40 is connected to the various payment systems and confirm the approval, if the means of instant payment is possible to make a payment immediately, and if the payment details by other means based on the price entered in the order number separately As a billing institution to the telecommunications company or the financial company 60 to claim (S14).

The telecommunication company or the financial company 60 bills the Internet user 10 a bill based on the amount paid to the management company server 40 (S15), and the Internet user 10 provides information provided through an electronic commerce transaction. The payment is made to the telecommunication company or the financial company 60 based on the settlement.

When the purchase approval is completed through the management company server 40, the shopping mall server 30 is delivered to the Internet user 10 (S17).

The management company server 40 receives the order number containing the price information from the shopping mall server 30, the Internet user 10 calls the management company server 40, the order number and all payment means he wants It can be used, the payment is made by various cards (credit card, debit card, prepaid card, cash card, etc.) to pass the card information of the target to be paid to achieve payment approval. In this case, the Internet user 10 informs the management company server 40 of the payment information, and indicates that the user may charge the order amount by phone or charge or withdraw through the financial settlement system.

In addition, the management company server 40 receives the cost by claiming the order amount to the communication company or the financial company 60, etc., as the Internet user 10 approves the information according to the order (S18).

Subsequently, the telecommunication company or the financial company 60 receives the payment of the order price from the user's 10 phone bills or giro or the direct debit line, and the procedure from the purchase of the product to the payment of the customer is completed.

Next, the method of paying the price according to the preferred embodiment of the present invention of FIG. 3 with various cards will be described in detail.

The Internet user 10 accesses the shopping mall server 30 and registers necessary information such as name, resident registration number, address, ID, PASS, and the like (S01). And order the product you want to buy (S02), and receives the order number issued from the shopping mall server (30) (S10).

The Internet user 10 calls the management company server 40 and enters the order number, card number and card password to execute the payment (S12).

The management company server 40 is determined based on the order number and information about the payment means received from the Internet user 10, and then the purchase approval to the shopping mall show server 30 to deliver the product.

Subsequently, the management company server 40 charges the bill and receives the cost from the financial company 60, and the financial company 60 charges the purchase cost of the goods to the telephone fee of the Internet user 40, or provides a line related to Jiro or direct debit. Billing through, the Internet user 40 pays the billed amount.

Next, a method for automatically paying in the account book according to the preferred embodiment of the present invention of FIG. 4 will be described.

The Internet user 10 accesses the shopping mall server 30 and registers necessary information such as name, resident registration number, address, ID, PASS, and the like (S01). And order the product you want to purchase (S02), and receives the order number issued from the shopping mall server (30) (S10).

The Internet user 10 calls the management company server 40 and inputs the order number and the equipment passcode (S12) when the balance is confirmed by the bank and is automatically approved by the payment account.

The management company server 40 is determined based on the order number and information about the payment means received from the Internet user 10, and then the purchase approval to the shopping mall show server 30 to deliver the product.

Next, a description will be given of a method for payment by telephone non-automatic transfer according to a preferred embodiment of the present invention of FIG.

The Internet user 10 accesses the shopping mall server 30 and registers necessary information such as name, resident registration number, address, expected telephone number (general phone number), ID, PASS, and the like (S01). And order the product you want to buy (S02), and receives the order number issued from the shopping mall server (30) (S10).

The Internet user 10 calls the management company server 40 and enters the order number and passbook number and passcode number to execute the payment (S12).

The management company server 40 is determined based on the order number and information about the payment means received from the Internet user 10, and then the purchase approval to the shopping mall show server 30 to deliver the product.

Subsequently, the management company server 40 charges and receives a fee from the financial company 60, and the financial company 60 bills the purchase price of the goods to the telephone cost of the Internet user 40 as a telephone fee, and the Internet user 40 ) Pays the billed amount.

Next, a description will be given of a method of payment by telephone non-automatic transfer according to a preferred embodiment of the present invention of FIG. 6.

The Internet user 10 accesses the shopping mall server 30 and registers necessary information such as name, resident registration number, address, expected phone number (cell phone number), ID, and PASS (S01). And order the product you want to buy (S02), and receives the order number issued from the shopping mall server (30) (S10).

The Internet user 10 calls the management company server 40 and enters the information related to the order number and the mobile phone password to execute the payment (S12).

The management company server 40 is determined based on the order number and information about the payment means received from the Internet user 10, and then the purchase approval to the shopping mall show server 30 to deliver the product.

In the case of the installment, the management company server 40 pays the purchase price to the shopping mall server 30 with the money paid from the financial company 60, the installment payments and interest paid by the Internet user 10 each month to the financial company ( 60). Here, the consumer executes an installment payment and interest payment to the communication company 60, and the communication company 60 now pays the installment payment and interest to the management company 60 so that the management company 60 pays the bank.

Therefore, the Internet user 10, the telecommunications company 60, the shopping mall server 30, the management company 40 takes the same trading method as before and the financial company 60 to pay the goods to the management company 40 After paying the priority, the mobile subscriber should receive the amount of the receivables and interests to the telecommunications company 60.

On the other hand, among the Internet users 10, the minor economic ability is limited to the order area, such as stationery, books, fancy goods, mas code, learning equipment materials, so that autonomous electronic commerce is made through sound commerce.

As described above, the purchase method of purchasing goods using a communication network of the present invention simply moves the order number having an order information network on the Internet, so that there is no risk of information leakage, thereby making a safe transaction. E-Commerce can be achieved according to the mobile telecommunication subscription to accommodate users of various classes, thereby benefiting the use of e-commerce. Without a password, it is impossible to approve, thus increasing the convenience of electronic commerce, such as making a secure use, and has the effect of achieving a more accurate and reliable security information and secure transactions.

Claims (3)

To pay for the cost of goods purchased through the Internet; An internet user performs consumer registration (name, resident registration number, address, expected phone number, ID, PASS, etc.) in advance on a shopping mall server connected through an internet network, and purchases a product with a registered consumer. Based on the consumer registration information provided by the Internet user, this is a management company server that stores the information requested from the shopping mall server, and provides the user with the order number and any payment method he / she wants through a separate communication network. To do that, If the management company checks the order number and password received from the Internet users, and authenticates the purchase to the shopping mall server to notify the delivery of goods and to execute the purchase charge request from the financial company or telecommunications company, Billing method of purchasing goods using a communication network comprising the step of claiming to the Internet user the costs paid to the management company in advance of the financial company or telecommunications company. The method of claim 1; The management company checks against the authentication request received from the shopping mall server on the basis of various card information and order numbers such as mobile communication password, credit card, debit card, prepaid card, and cash card that the consumer notifies over the telephone. Item purchase settlement method using a communication network characterized in that made by notifying the shopping mall server of the approval of the purchase of the Internet user. The method of claim 1; The financial company or telecommunications company pays the amount charged by the management company based on the amount that the internet user has approved to pay the management company to the management company, and charges the Internet user for the phone user's telephone fee. Item purchase settlement method using a communication network characterized in that.