KR20020014973A - E-commerce payment system composed of an intermediate server, sale servers and offline agencies - Google Patents

Abstract

PURPOSE: A system and method for paying the bill of the e-commerce are provided for an easy payment of a purchaser who has no account of a bank, and for a safe business between a seller and the purchaser. CONSTITUTION: The system comprises the relay server, a seller server, a purchaser terminal, and a terminal of the offline member store. The seller sends the service information to the purchaser terminal through the seller server(1). The purchaser orders a product through the service information(2). The seller server requests the creation of an order code from the relay server(3). The relay server receives the information about the order and purchaser from the purchaser server, creates the payment information containing the order code, and sends the payment information to the purchaser terminal(4). The purchaser pays for the bill of the ordered product through the offline member store(5). The terminal of the member store requests the payment check from the relay server(6). The relay server completes the payment check(7) and sends the payment check information to the seller server(8). Finally, the seller server receives the payment check information from the relay server and provides the purchaser with the product and service(9).

Description

E-commerce payment system composed of an intermediate server, sale servers and offline agencies}

The present invention provides a method and system for managing payment of an article in an online e-commerce environment. The payment system of the present invention enables the user to easily pay the price even without the user having a credit card, bank account or electronic money, enables the direct verification of the payer's identity and ensures the security of the transaction through an intermediary server.

As online commerce through the Internet has increased, many methods have been developed for safe and convenient payment. Until now, in the case of online commerce, in order to pay a transaction, a customer may need to (1) send a credit card number through a web browser connected to the Internet network, or (2) visit a bank in person or use telebanking or internet banking using an ARS system. They would have to deposit money by bankbook or (3) purchase and pay electronic money.

Looking at the above methods, (1) in the case of a credit card, there is a possibility that sensitive personal credit information is leaked due to the inherent flaw of the Internet, and (2) the bank account transfer requires that the customer has an account with the bank in advance. Even if you have an account, you will have to go to a bank if you are not subscribed to telebanking or Internet banking. (3) In the case of electronic money, in order to use the service, it is inconvenient to make a purchase using electronic money at the final purchase stage when the subscription procedure and payment is made in advance.

Existing electronic money services in the form of prepaid cards that can be purchased at convenience stores, etc. have a disadvantage in that it is difficult to process the balance after subtracting the purchase price from the prepaid amount.

In addition, in terms of overall transaction safety issues, the above methods do not fulfill the obligation of the seller to provide goods or services after the buyer has paid, or, conversely, the buyer may not be paid after the seller has provided the goods or services. There exists a problem that the activation of a transaction is delayed because of this.

In the case of goods or services that cannot be purchased by minors, a verification process is required for the purchaser. Currently, a method of entering a credit card number or social security number is used to check whether the buyer is a minor online. It is easy to steal and has many problems. Direct verification offline is more desirable for more reliable identification. Except in the case of adult-only electronic money, which is to be sold after confirming the identity of the buyer, the methods of (1) or (2) above are not available for purchase. There is a problem that cannot be identified directly. The disadvantages of prepaid electronic money have been described above.

The overall system of the present invention is composed of an intermediary server, a server of a seller, a terminal of a customer, and a terminal of an offline merchant. When the buyer presses the purchase order button, the server of the seller transmits the order information to the intermediary server, receives the intermediary server, generates an order code and payment information, and transmits the order code to the buyer's terminal. After the purchaser presents the payment information to the merchant and accesses the brokerage server with the merchant terminal to complete the authentication of the payment, the broker server notifies the seller's server, the buyer's terminal, and the merchant's terminal to confirm the payment.

Figure 1 shows the overall configuration of the present invention.

1. Seller's Server

The seller transmits the details and price information of the goods and services to be sold to the buyer's terminal through the sales server, and receives the buyer's order information and requests the transaction brokerage system server (hereinafter referred to as mediation server) to generate an order code. . When payment is made through an offline merchant, the broker is notified of the fact and provides goods or services to the buyer.

2. Buyer's terminal

The buyer receives the payment information from the intermediary server after placing an order based on the information on the goods and services provided through the terminal.

3. Mediation server

The intermediary server receives the details of the goods and services and the buyer information from the seller's server, generates payment information including the order code, and sends it to the buyer's terminal.When the deposit confirmation request is received from the merchant's terminal, the payment information and the deposit amount After completing validation and identity verification, this information is sent to the seller's server.

4. Merchant Terminal

The merchant's terminal requests payment confirmation from the intermediary server and transmits the information to the intermediary server after checking whether the payment information matches the price and the buyer's identity.

The present invention provides a method and system for managing payment of goods and services traded through online electronic commerce. The payment system of the present invention enables the user to easily pay the price even if the user does not have a credit card, bank account or electronic money, and guarantees the safety of the transaction through an intermediary server.

As shown in FIG. 3, the overall configuration of the payment system is composed of a seller's server 301, a customer's terminal 302, a merchant's terminal 303, and an intermediary server 304.

As shown in Figure 2a, information on the details of the goods in the server of the seller is transmitted to the terminal of the buyer. When the buyer clicks the order button 201-1, the buyer's information (this information may include shipping information such as the buyer's address and contact information and personal information such as age) is sent to the seller's server. The server 301 transmits the price of the goods and the buyer's condition (for example, 'available for age 19 or older') to the mediation server 304 to request the generation of the 'order code'. The 'order code' becomes a key field for accessing the payment information record stored in the mediation server database. The mediation server 304 receives the information, stores it in a database, generates an order code such as 201-1, and together with the purchaser's terminal, provides information such as an article price and a purchase condition by using an HTML document (eg, FIG. 2B). Display at 302.

The customer notes the order code and the order amount to find a nearby offline merchant. At this time, the customer may enter the name of the same in the input window such as 202-3, and press the search button 202-4 to find the nearest affiliated store where he is located through the screen shown in FIG. 2C. (You will understand that you can get the same result by entering a zip code, etc. instead of your name)

When the buyer who finds the merchant shows the payment information 202-1 to the merchant terminal operator 303-1, the operator connects to the intermediary server through the terminal 303. In this case, the terminal may be a general landline telephone, a mobile communication terminal such as a PCS, a mobile phone, or an IMT-2000, or a web browser connected to the Internet. Here, a case where the ARS system of the mediation server 304 is connected via a general wired telephone network will be described with reference to FIG. 4, for example.

The operator receiving the buyer's request connects to the ARS system of the mediation server 304 (402). Select the 'Payment' item from the menu that is voiced. (Details of the menu configuration will be described in detail later.) Entering the merchant number and password consisting of numbers (403) and entering the operator number and password (405) and enters the order code presented by the buyer (406). At this time, the intermediary server system checks the validity of the code by comparing the order code with the information of the record of the database (407) and confirms whether the order amount is identical (408). In addition, if the purchase condition is satisfied, for example, when the order number is generated from the seller, if the information provided that the item is available for purchase over 19 years old, the intermediary server checks with the merchant terminal operator whether the buyer is 19 years old or older through an identification card. To ask. If everything is confirmed that there is no problem, the operator of the merchant receives the payment from the buyer and confirms the amount and enters the payment approval 410 into the terminal. At this time, the mediation server 304 notifies the seller's server 301 and the merchant terminal operator 412 that the payment has been made and that all processes have been processed normally, and sends the same information to the buyer's terminal by e-mail or mobile communication terminal. Notify via text message service. Since the payment is notified, the seller provides the goods or provides the service.

When the merchant terminal operator accesses the mediation server through the terminal, the mediation server may present menus such as 'sales check', 'operator number and password management', in addition to 'payment'. 'Sales check' is a menu that allows you to check the total amount of transactions made through the merchant and the remaining payments to be paid to the broker server, and 'operator number and password management' is the merchant that is required when accessing the broker server. It is a menu for managing the password of each operator to check the identity of the operator when there is a plurality of operators in one affiliated store and also in one affiliate store.

As described above, the present invention has been described through one embodiment, but the present invention is not limited to this embodiment. If the merchant's terminal is a mobile communication device such as a mobile phone or PCS, processing is possible using a wireless data system using a menu input method. If the terminal is a web browser with internet access, processing through HTML documents is possible.

Firstly, buyers who are reluctant to leak sensitive personal information and those who do not have a credit card or bank account can easily make payments. Second, a system consisting of intermediary servers and offline merchants can be trusted to trade both sellers and buyers. By ensuring safety, you can spread e-commerce.

Claims (4)

In the step and system that the server of the seller receives the order information from the buyer's terminal and requests the mediation server to generate payment information, using the information received by the mediation server to generate the requested payment information and transmit to the buyer's terminal, Transmitting order information from a purchaser's terminal to a sales server; Transmitting, by the sales server, an order code generation request together with the order information to an intermediary server; The mediation server stores the information in a database, generates payment information, and transmits it to the terminal of the buyer. The customer's terminal is a desktop PC or laptop equipped with a web browser and an application program connected to the Internet, a pocket PC and a computer system having an equivalent function, an interactive TV or PDA with network access, and a PCS, a mobile phone, an IMT- E-commerce payment method, characterized in that it can be a mobile communication terminal such as 2000, an electronic wired telephone capable of using the ARS system. When the operator of the merchant receives payment information from the buyer and accesses the brokerage server using the merchant's terminal to confirm the completeness of the payment information, the buyer's identity and the completion of the payment, the broker's server notifies the seller's server and the buyer of this fact. In stage Accessing, by a terminal of a merchant, an intermediary server; Checking, by an intermediary server, the connected affiliated store and an operator; Confirming the completeness of the payment information by checking whether the payment information provided by the buyer matches the payment information database data stored in the mediation server; Confirming the identity of the buyer to confirm that the purchase conditions are satisfied; And notifying the server of the seller and the communication means of the buyer of the information and the fact that the payment has been completed. Paragraph 3 of the merchant terminal is a desktop PC or laptop equipped with a web browser and applications that can be connected to a regular landline phone or the Internet, a computer system with a pocket PC and an equivalent function, interactive or PDA and PCS capable of network access, E-commerce payment method, characterized in that it can be a mobile phone, a mobile communication terminal such as IMT-2000, an electronic wired telephone capable of using the ARS system.