KR20020018773A - Real-time electronic commerce method using card-checker and apparatus thereof - Google Patents

Abstract

PURPOSE: A real-time electronic commerce method and system using a checking unit is provided to add necessary functions for PC communication, goods ordering and PC banking into a card checking unit so that the card checking unit can carry out real-time electronic commerce. CONSTITUTION: In an electronic commerce processing part(804), a checking unit owner(806) drives the goods order program(812) of a checking unit(600) using a keyboard(602), accesses the B2B server(402) of an electronic commerce company(814), searches for displayed goods, selects desired goods, and places a goods purchase order. Then the checking unit owner(806) calls a banking transfer program for contract fulfillment with the electronic commerce company(814), accesses a bank's computer server(226) through a communication network(400), executes the code input of a security card(310), and transfers the order amount from his account to the electronic commerce company's account. At this moment, in case that the checking unit owner(806) is not sure for the balance of his account, he can call a banking inquiry program(808) in order to previously confirm the balance through the bank computer server(226).

Description

REAL-TIME ELECTRONIC COMMERCE METHOD USING CARD-CHECKER AND APPARATUS THEREOF}

The present invention relates to a method and apparatus for real-time e-commerce using a checker, and in particular, the owner of the checker on the sales line orders the necessary goods without leaving the business place, and uses the electronic banking service of the bank to pay the price. The present invention relates to a method and apparatus for real-time e-commerce that can settle payments and grasp the progress of an order product in real time.

The hardware configuration of the conventional card checker is ROM, RAM, CPU, I / O driver, clock, display device, print output device, key input device, communication port and RS232C (computer and external device). It consists of a communication device equipped with a standard for serial data communication, a card input device, and a card reader, so it basically has all the necessary elements to perform functions as a general PC. Excellent enough to surpass

However, the software configuration of the conventional card checker is equipped with only the minimum application software required for card lookup, such as credit cards, debit cards. In addition, even the driving routine of the software is limited to be possible only by card input (contact input by card insertion), so that even the hardware which is superior in the conventional checker cannot perform the function as a PC. Therefore, the conventional card checker was not able to expect any other capability beyond the inquiry terminal.

The wrong system configuration of a conventional card checker forced the checker owner to bear much more inconvenience than necessary by burying the hardware value of the checker, resulting in huge social losses and costs. Let's take a look at the problem in turn.

First of all, the conventional card checker has a credit check function of the card user (buyer) in its function, but other functions, such as payment confirmation and / or checkout of the payment required for the checker owner (seller), or the use of the deposit payment, etc. There is no processing function. As a result, checker owners had to always face the problem of liquidity (cash) shortage due to the accumulation of credit transactions. The reason for this is that the gap between the point of sale and the point of payment is so severe, that even if you collect the bond yourself, you can receive the price, and even if the price is not confirmed, you cannot neglect the purchase of goods necessary for the production of goods. Because.

In addition, there was a structural contradiction that checkers owners had to leave their place of business no matter how busy they were to buy or pay for the goods, as sellers of the goods worked in the same opening hours. Moreover, because business activities must be terminated within a limited time, there is no time to go around to get what you want. Conventional card checkers do not answer any of the concerns of checker owners, but rather commit to take this opportunity.

The owner of the branch that owns the checker is economically the subject of the production, and the checker is at the point of contact of the production. Therefore, the checker should play a role in allowing the producers of these productions to devote time to production. In other words, by reducing the time spent outside production, their production activities are active, so that employment is increased and income is increased. In this respect, the conventional checker is not doing its job properly. On the contrary, it is the only situation where the consumption of goods is caught, as it only encourages consumption through the use of cards and acts as an obstacle to production activities.

Another problem of the conventional card checker is the fact that the communication function of the checker is systematically restricted so that it cannot be used for purposes other than card inquiry. Today's communication network is highly developed, and there is an open way to communicate with each other without boundaries between home and abroad. In particular, communication is the best means to easily obtain the most important information materials in terms of material circulation. Especially for the checker owner who is responsible for the axis of the material cycle, it is the most urgent. Nevertheless, the conventional checker makes a ridiculous error of granting a communication function only to the consumption subject (card user), not the value creation subject (check owner).

Unlike Apple's time in the past, the company now has a highly sophisticated network system. So if a checker with hardware that outperforms Apple can perform PC functions, it can do a lot more than Apple could. Unfortunately, conventional checkers have no such function. With a PC function, the checker owner has many ways to double the size and speed of the material circulation using the checker. In particular, when connected to the server using the communication function of the checker, the magnitude of the social added value generating power of the checker's PC terminal function is much larger than that of the general personal PC.

For example, consider the case of electronic financial services provided by most banks today. This is a good news for checker owners who are unable to move away from their place of business, providing a means of freely moving cash within a bank using a PC without having to move from place to place. But it is only a picture of the picture to the owner of a conventional card checker without a PC function because it can be used only with a PC. But owners aren't free to learn and use PCs at a cost.

I've also heard that there is a way to use PCs to move around and buy the necessary materials at low prices without leaving the business place, but that's also a picture of the picture for owners of checkers without a PC. As long as the conventional checker cannot perform the PC function, the checker owner has no choice but to pay the social searching cost related to the purchase, which he or she liked. It is estimated that the magnitude of the cost is roughly behind the cost of bartering. Therefore, the conventional checker is guilty of unintentionally increasing the size of social costs by burying its own hardware capabilities.

In this situation, the level of the card checker was inherently impossible to conduct e-commerce using the checker. Moreover, the real-time processing of product purchases and payments on a check machine was considered unimaginable, and the method of real-time e-commerce, in which the checker owner can close a purchase loan on a check machine with one-stop without leaving the place of business. It has been recognized that there may be a device even more impossible. However, after all, this perception is nothing more than a stereotype of the card checker, a misconception that the card checker is only a means of inquiry for the card user and cannot be a PC device. As a result, despite the worldwide spread and widespread use of card checkers, little effort has been made to make real-time e-commerce using them.

The problem with the conventional card checker is that the hardware capability of the checker is buried due to a misconfiguration of the software system. In particular, the software system configuration that limits the hardware operation routine of the card checker to card input only plays a role of blocking all the paths to the PC utilization of the checker. As a result, e-commerce using checkers was not even considered at all. As a result, the system configuration error of the conventional checker is not only a waste of resources due to artificially limiting the hardware capability of the checker, but deprives the opportunity of real-time e-commerce as the inherent PC communication function of the checker is blocked. There was a serious problem leading up to. As a result, the conventional card checker is not a facilitator of material circulation for value creation, but is suspected of being a cancerous entity that hinders the promotion of material circulation.

The present invention is to solve this problem of the conventional card checker, without damaging the function of the conventional card checker, the function required for PC communication and the function necessary for ordering and merchandise so that the card checker can perform real-time electronic commerce Its purpose is to have the necessary functions for finance (PC banking).

It is another object of the present invention to provide a method and apparatus for building a real-time server-client networking e-commerce system that enables a card checker to implement real-time e-commerce using the above functions.

The present invention also provides a method and apparatus for converting a communication medium of a client such as a PC, a TV, a video, a mobile phone, and a screen phone into a tool for real-time electronic commerce using the input / output method and apparatus of the server-client networking e-commerce system. Another purpose is to provide.

In addition, another object of the present invention is to provide a method and apparatus for building a real-time logistics base server-client networking product delivery system that can check and manage the progress of product delivery required for electronic commerce in real time for each logistics base. .

1 is a system block diagram of a conventional card checker.

2 is a system operation configuration diagram showing a process of a conventional card check size system.

3 is a system operation configuration diagram illustrating a process of a conventional electronic financial service system.

4 is a block diagram of a real-time e-commerce system according to an embodiment of the present invention.

5 is a system block diagram of an e-commerce company server according to an embodiment of the present invention.

6 is a system block diagram of a purchaser checker according to an embodiment of the present invention.

7 is a system block diagram of a logistics base PC according to an embodiment of the present invention.

8 is a system operation configuration diagram showing a check process of the Bansa affiliated real-time electronic commerce method according to an embodiment of the present invention.

9 is a block diagram illustrating a system operation of a check machine showing a processing procedure of a jointly invested real-time electronic commerce method according to an embodiment of the present invention.

10 is a configuration diagram illustrating a system operation on a check machine showing a processing procedure of an electronic financial card type real-time electronic commerce method according to an embodiment of the present invention.

FIG. 11 is a block diagram illustrating a system operation of a check mechanism showing a process of a bansa direct real-time electronic commerce method according to an embodiment of the present invention.

12 is a flowchart illustrating a check phase of a real-time electronic commerce method according to an embodiment of the present invention.

13 is a flowchart illustrating a check phase of a real-time electronic commerce method according to another embodiment of the present invention.

14 is a flowchart illustrating a check phase of a real-time electronic commerce method according to another embodiment of the present invention.

FIG. 15 is a flowchart showing a check phase of the product order processing routine shown in FIGS. 12, 13, and 14;

Fig. 16 is a flowchart showing a check phase of the PC banking processing routine shown in Figs. 12, 13, and 14;

FIG. 17 is a flow chart of a check machine showing processing routines for each service of the PC banking routine shown in FIG.

18 is a process flow diagram on a server of a real-time e-commerce method according to an embodiment of the present invention.

FIG. 19 is a flowchart of a purchase intention processing routine of the buyer shown in FIG.

FIG. 20 is a flowchart of a buyer's contract conclusion intention processing routine shown in FIG.

FIG. 21 is a processing flowchart of the contract execution processing routine of the buyer shown in FIG.

FIG. 22 is a flowchart of the purchaser's contract execution confirmation routine shown in FIG.

FIG. 23 is a processing flowchart of the large purchase customer debt performance processing routine of the electronic commerce company shown in FIG.

24 is a flowchart of processing of other related debt execution processing routines of the e-commerce company shown in FIG.

25 is a view for explaining the processing on the server of the real-time e-commerce method according to the present invention.

Fig. 26 is a configuration diagram of an input / output operation key on a card checker according to the present invention.

27 is a configuration diagram of a connection screen on a card checker according to the present invention.

Fig. 28 is a configuration diagram of a registration modification screen on a card checker according to the present invention.

29 is a block diagram of a product purchase main culture surface on the card checker according to the present invention.

30 is a configuration diagram of a PC banking input / output screen on a card checker according to the present invention.

In order to achieve the object described above, the present invention, in the electronic commerce card checker, a processor, a card reading unit for generating a card reading signal according to the card reading and transmitting to the processor, and key input according to the key input A key input device for generating a signal and transmitting the signal to the processor, and an input screen for displaying a matter requiring input through the key input device, or an output screen for displaying a processing result of the processor according to the processing of the processor. A display device, a communication device for connecting the card checker to an external communication network under the control of the processor, and a processor connected to the processor and storing a card inquiry processing program, a PC communication program, a PC purchase order program, and a PC banking program. And a memory, wherein the processor receives a card read signal through the card read unit. If a predetermined key input signal is input through the key input device, the PC communication program, the PC purchase order program, and / or a PC banking program are called. Characterized by performing the order and / or PC banking process. (Real-time e-commerce device)

In another aspect, the present invention provides a method for searching and ordering electronically using a card checker of the characteristics described above, the step of receiving the order details including the quantity, product name, price, company, code from the card size, and And outputting the order contents to the server of the electronic commerce company, receiving an order result from the server of the electronic commerce company, and outputting the order result to the card checker. Real-time ordering device)

In another aspect, the present invention provides a method for making an electronic payment using a card checker as described above, the withdrawal account number for specifying the withdrawal account from the card size, the transfer equipment number, the deposit account number for specifying the deposit account, the withdrawal Receiving a transfer contents including an amount to be transferred from an account to the deposit account, outputting the transfer contents to a computer server of a bank, receiving a transfer result from the computer server of the bank, and And outputting a result to the card checker.

In addition, the present invention, by using the electronic banking system of the bank that provides the electronic transfer service and electronic inquiry service to configure the server device for the buyer to perform real-time electronic commerce, in the device and the real-time interworking with the product order application content After the transfer management code generation device is set up, a transaction contract execution routine is set up on the condition that the buyer must use the code generated by the device in the electronic banking transfer for execution of the contract (real-time e-commerce transaction contract execution device). ), Only the buyer who has gone through the routine will be provided with the system's operation routine of the bank's electronic banking system, and the electronic banking transfer necessary for the contractor's contract execution shall be made by the buyer directly accessing the bank's electronic banking system. Information on the means of payment of the At the same time, the server system of the e-commerce company creates a deposit management DB necessary to confirm whether the buyer has fulfilled the contract and at the same time conducts real-time e-financial inquiry to the bank selected by the buyer. Through the process of storing the result in the server, a separate inquiry management DB is created, and then the buyer's misconduct is conducted by comparing the contents of the deposit management DB and the contents of the inquiry management DB based on the transfer management code. It is another feature that the real-time confirmation of the payment of the payment of the buyer without the exposure of information on the means of payment of the buyer by the real-time determination (payment of real-time payment device).

In addition, in the implementation of the above-described commerce contract, the present invention is to transfer the buyer's contract performance confirmed by the process to the banking online corner, so that the e-commerce company's debt buying process can proceed automatically. By designing the server device, according to the design, each step-by-step process related to the delivery can be registered in real time at the distribution online PC and / or the supplier PC, the PC of the delivery company, and the delivery online corner on the linked server. Another feature is that all parties involved in the commerce can grasp the delivery progress in real time (a real-time confirmation device of the delivery progress).

In addition, the real-time electronic commerce according to the present invention is a contract conclusion phase with the buyer, the buyer's contract implementation and the contract performance confirmation step of the electronic commerce company, the customer's debt performance stage of the electronic commerce company. It is divided into the debt supplier stage of the E-Commerce company and the courier company, and it is another feature that the contract loan can be moved to the next stage only after the fact is confirmed. Real-time check device of contract loan fulfillment).

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention; Although different drawings, like elements are denoted by like reference numerals. The embodiments of the present invention described herein are merely for explaining the present invention, and thus the scope of the present invention is not defined. The scope of the invention is defined by the appended claims.

1 is a system block diagram of a conventional card checker. As shown in FIG. 1, the system of the conventional card checker 100 includes a card reader 104, a CPU 106, an operating system 108, a RAM 110, a ROM 112, and a clock on a check base 101. FIG. (114), cryptographic processor 116, I / O driver 118, application software 124, communication port 126, data storage unit 130, and inputs the card 102 and key input device It includes a device 122, and includes a display device 120 and a print output device 132 as an output device, and is configured to interface with the VAN company using a communication device 128, such as a modem, LAN, etc. There is no difference from ordinary PC. The application software has only a card inquiry processing program, and a credit card inquiry processing program and a debit card inquiry processing program. The encryption processor is used as a security device for card reading and check and data transmission between VAN.

However, the conventional card checker 100 differs greatly from a general PC in terms of driving routines. In other words, unlike a general PC driven by keyboard input, the fact that the card 102 has passed through the card reader 104 of the checker base 101 of the checker must be transmitted to the CPU 106 so that the checker can be operated in the CPU. The display device 120 notifies that the elements are ready to receive key input for inquiry processing. The system itself is designed so that key entry is possible from this time onwards and not before. Therefore, the checker 100 under the condition that there is no card insertion is virtually useless.

In addition, the communication function of the conventional checker 100 can be used by key input after driving, but the key input device 122 includes a function key for driving a card inquiry processing program such as a credit card inquiry processing program and a debit card inquiry processing program. There is only a numeric key. Calling of the card inquiry processing program and real-time communication with VAN are all processed by key input. This proves that even on the checker, the program operation and communication by key input is possible, although it is limited to inquiry. Thus, changing the check routine also makes a good PC. However, this is also possible only when the checker is driven by card insertion.

The conventional checker has a system configuration that restricts the drive routine of the checker to the card insertion as described above, and limits the function to the card inquiry processing, making the concept of the card checker itself to be used as a PC altogether impossible. But looking at the actual memory capabilities of a conventional checker, it's hugely incomparable with Apple's past 64k. That is more than 128k of memory, more than 1200bps modem speed, and even though there are many server devices that can interface with the developed network unlike the past Apple, the system of the conventional checker is blocking the way. As a result, the cardless checker is now at risk of being mistaken for being just a scrap of scrap metal.

2 is a view for explaining a process of the conventional card check size system. FIG. 2A illustrates a credit card inquiry processing process. The credit card inquiry processing program of the card inquiry processing program 124 shown in FIG. 1 is inserted by the key input device 122 after the checker reader 104 of the credit card 204 is inserted. It works when called. In this process, when checker owner A 200 sells a product to buyer B 202 and wants to receive the money using credit card 204 held by buyer B, buyer B's credit card usage amount is It proceeds as a procedure for real time inquiry of the credit card company 212 whether the credit limit is exceeded.

The process of the credit card inquiry processing 206 includes: i) When the buyer B's credit card 204 contacts the reading unit 104 of the checker 101, ii) the inquiry program 124 of the checker 101 is checked. Receives the key input of (101) and requests the card usage authorization inquiry to the VAN's relay server 210 through the public network (208), V) VAN's relay server 210 receives the request to the card company 212 Inquires and informs the result of the check to the checker 101 through the public network 208, i) If the card approval is denied, the seller 200 prints and keeps the transaction details, and the checker 101 returns the transaction to the card company 212. Follow the procedure to transfer.

However, the card company 212 does not automatically deposit the purchaser B's account 218 opened in the bank 216 to the seller's transaction account 220 based on the transaction history data transmitted from the checker 101. Therefore, in order to receive the payout, the seller has to collect the printed transaction slip 214 each time and directly claim the credit card company 212. If the lost print slip is lost, the seller cannot claim it at all. In addition, even if the payment is requested, it takes about one week or more for the actual payment to be deposited into the seller's account 220 through the card company.

Such a system of the conventional checker is problematic in view of the balance closing of commerce. First of all, the selling method of the seller is a foreign transaction rather than a cash transaction, and the collection point is opaque, and a high rate (more than 4% of the selling price) must be paid. have. Although commerce is common practice of exchanging goods and money, there is a structural contradiction in which the seller has to unilaterally incur losses. In addition, the buyer and the payment of goods are dualized, so the responsibility of commerce is unclear.

2B illustrates a debit card inquiry processing process 224. The debit card inquiry processing program of the card inquiry processing program 124 of FIG. 1 inserts the checker reader 104 of the debit card 222 and then inputs the key input device ( It is operated when called by 122). This process also applies to the purchaser B's bank if the checker owner A 200 wishes to collect the goods sold to buyer B 202 using the debit card 222 held by buyer B. It proceeds as a procedure to check with the bank in real time whether it is within the account deposit balance limit.

The debit card inquiry processing (206) process includes: i) When the buyer B's debit card 222 contacts the reading unit 101 on the checker, ii) the checker's inquiry program 124 reads from the checker input device 122. Receives a key input including a password and requests the card usage approval inquiry to the VAN's relay server 210 through the public network 208, ⅲ) VAN's relay server 210 receives the request and the bank's computer server 226 Inquires and informs the result of the check to the checker 101 through the public network. I) If the card is denied, the seller prints the transaction and keeps it, and the checker 101 sends the transaction back to the computer server 226 of the bank. And (iii) the computer server 226 of the bank goes through the procedure of withdrawing the transaction amount from the buyer B's account 218 and automatically depositing the transaction amount into the trading account 220 of the seller A based on the transaction history.

Unlike the credit card inquiry processing system, the debit card inquiry processing system of the conventional checker is a cash transaction (cash movement within the bank), which is not a credit transaction, and can be accessed in real time to the computer server 226 of the bank. However, in this case, there is a problem that there are not many checker merchants that handle the debit card inquiry processing system. It's also cheaper than a credit card, but the system charges the checker owner to pay 2% of the transaction. In addition, although bank deposits are free, the inconvenience of checker owners following deposit checks, transaction details, withdrawals and use remains. In this case, however, the closing of the balance is relatively neat.

As described above, in any case, the checker only tells the checker owner whether the card usage limit of the buyer is exceeded, and does not play any role beyond that. Also, nothing can be done when the checker owner switches from seller to buyer. In other words, the credit card system of the checker machine is legally prohibited, and the debit card system raises the question of the necessity to use it. In particular, it is impossible to communicate with the outside using a checker without a card at all, and possible communication is limited to a very small part, which makes the checker's hardware capability and value too shabby and insignificant. Therefore, it is fundamentally impossible to implement real-time e-commerce with a conventional checker.

3 is a system operation configuration diagram illustrating a process of a conventional electronic financial service system. In Figure 3a, the PC banking member can operate the keyboard on the PC 300 according to his will, and through this, inquiries (302) of the balance or deposit and withdrawal history of his or her account, or through the transfer or other transfers within the trading bank ( 304 can be freely performed in real time. The inquiry process includes: i) accessing the computer server 304 of the bank 216 through the public network 208, ii) logging in to enter a user number and password 308, and iii) opening the bank. The procedure proceeds by inquiring the balance or transaction history of the magnetic account 314 through key input. The login procedure at the time of accessing the public network 208 is applicable only to commercial communication networks such as Hitel and Cheon Lian, and the login procedure is omitted in the case of a financial network to which a plurality of banks are subscribed, as is the case of direct access of the bank.

In addition, the transfer is performed by the PC banking member i) accessing the computer server 304 of the bank 216 through the public network 208 through their PC, ii) through the login 308 process to enter the user number and password iii) inputting the security code on the bank security card 310 provided separately (312), and then iv) transferring the key from the magnetic account 314 opened in the bank to the other deposit account 316 by key input. Proceed in order. In the case of a transfer, the security code is mandatory to prepare for the risk of electronic payment by bank transfer, and unlike the inquiry, the additional entry of the transfer password is required for the details of the transfer. A procedure is added.

3b, the Internet banking member can inquire (302) the deposit balance or deposit and withdrawal history of his account through a keyboard operation on the holding PC (316), or freely perform real-time transfer or other transfer 304 in the trading bank in real time. It is present. The process in this case is similar to the case of PC banking described above. That is, the inquiry is i) access to the computer server 304 of the bank 216 through the packet network 320, ii) receive the certificate 326 from the authentication server 324, and iii) the user number and password After the login 308 process of inputting, iv) the balance or transaction history of the magnetic account 314 opened in the bank is performed in the order of inquiring through the key input.

In addition, the transfer is through the Internet banking member i) PC through the packet network 320 to the computer server 304 of the bank 216, and ii) through the login (308) process to enter the user number and password , iii) entering the security code on the bank security card 310 provided separately (312), and iv) through the key input from the magnetic account 314 opened in the bank to the other deposit account (316) The transfer proceeds in order. The only difference from PC banking is that the access network is the packet network 320 and that the process of submitting the certificate 326 is added. At this time, in the prior art, a separate login procedure for the authentication server 324 is required, but recently, a separate login procedure is omitted by integrating and operating the certificate submission process.

The electronic financial service system of FIG. 3 can be used any time a PC holder who opens a bank account simply registers with a bank. PC holders can apply for internet banking only by applying for PC banking, but they must have a packet network access device (LAN card) on their PC and be able to use the Internet. Bank electronic banking services are expected to be strengthened in the future with the development of telecommunication networks. Currently, each bank is exempt from commissions for inquiries and transfers to attract customers, while other banks offer very low prices. . In addition, various additional services other than inquiry and transfer are provided for economic entities such as individuals, companies, and governments, and tools, such as telephones, screen phones, and mobile phones, are currently available.

A particularly important electronic financial service in relation to electronic commerce is bank transfer. This is so important that the transfer of cash within a bank is incomparable in terms of capacity and utilization with payment methods such as credit cards and electronic money. In other words, the cash in the bank, like cash (legal), has a legal compulsory distribution power, and can be moved electronically through the bank's computer server. Therefore, when connected to the communication network, payment via account transfer is possible without time and space constraints. Therefore, bank transfers provided by electronic financial services can be a very powerful electronic payment method. The category is not only domestic but also available internationally. In this case, however, foreign exchange requires only a separate procedure because it is a cross-border loan.

Unfortunately, however, this ability of banks' electronic financial services systems suffers from contradictions that move independently of e-commerce. In particular, the payment function is essential for the smooth flow of the real market, and even though electronic financial services can solve it, the subjects of e-commerce deal with it as a completely different thing. The case of the checker is a typical example. Conventional checkers cannot function as a PC. Therefore, it is fundamentally impossible to receive electronic financial services with a conventional checker. However, if the checker can perform enough PC functions as one of the important electronic tools connected with the real market flow, the checker can be transformed into an excellent tool of electronic commerce and transformed into an electronic commerce tool capable of real time processing. . Now let's see the reality.

4 is a block diagram of a real-time e-commerce system according to an embodiment of the present invention. Each element necessary for implementing the new technology of the present invention, namely e-commerce company server 402, buyer card checker 404, VAN company server 210, logistics base PC / server 408, product provider PC / server 410 ), The delivery company PC / server 412 and the bank computer server 226 are interconnected via the communication network 400, and can send and receive a series of data. As the communication network, a public network, a dedicated line, a cellular, a personal communication system (PCS), a microwave, or a satellite network may be used.

In addition, the e-commerce company server 402, buyer card checker 404, the bank computer server 226 is sufficient to implement the new technology of the present invention, but in order to become more powerful, VAN relay server 406, logistics base PC / server 408, product supplier PC / server 410, shipping company PC / server 412 need to be reinforced with a doubling device. Essential components refer to the tools of economic agents performing specific functions, and the number is a concept encompassing one or more. In particular, the purchaser checker forms a relationship between the server and the network of the e-commerce company through the communication network card checkers that perform the same function. The relationship between the reinforcement factor and the e-commerce server also needs to be interpreted in the same way. A network relationship has already been established between VAN's relay server and the card check period. It is also desirable to establish a network relationship between the bank's computer servers and other factors.

Logistics base PCs / servers that drive real-time delivery are not necessarily e-commerce companies, as long as they can only network with e-commerce servers. That is, the logistics base of the shipping company or the product supplier may be used as it is. However, it is desirable to manage the collection, packaging, and delivery of goods by the e-commerce company. If necessary, the e-commerce company may have a logistics server for efficient logistics management or a separate payment server for efficient loan settlement. That is, the server can be divided into many according to function, and the location does not need to be fixed at a specific place. The reinforcement element can be separated and integrated between elements depending on the situation, and in extreme cases, it can also go to the networking structure between the buyer group and the seller group.

5 is a system block diagram of an e-commerce company server according to an embodiment of the present invention. As shown in Fig. 5, the server 402 of the e-commerce company includes a CPU 502, a cryptographic processor 512, a RAM 506, a ROM 508, an operating system 504, a network interface 518 and data. Storage device 520. The server 402 may be used singularly or plurally, such as a personal computer, a computer workstation, a supercomputer, etc., having sufficient memory and processing capability to operate the system. The CPU 502 may be a Pentium microprocessor such as a 100 MHz P54C manufactured by Intel Inc., or a Motorola 120 MHz PowerPC 604 or Sun Microsystems 166 MHz UltraSPARC-I.

The encryption processor 512 may be an MC68HC16 microcontroller manufactured by Motorola Inc .. Cryptoprocessor 512 not only supports authenticating communications from buyers, banks, commodity suppliers and delivery companies, but also allows anonymous transactions. In addition, the cryptographic processor 512 may be controlled in software in combination with hardware, or may be configured as part of the CPU 502. Other cryptographic processors are commercially available, 33 MHz 6868 from VLSI Technology or 40 MHz Roadrunner 284 from Semaphore Communications.

In addition, in FIG. 5, the data storage device 520 may use not only a hard disk but also a CD-ROM drive or a flash memory. Data storage device 520 is a database used to process the transactions of the present invention, for example, product information DB 522, customer information DB 524, supplier information DB 526, order management DB 528, order Contract information DB (530), buyer deposit management DB (532), buyer inquiry management DB (534), logistics information DB (536), delivery information DB (538), delivery management DB (540), payment management DB (542) Is saving. Database software such as Oracle7, manufactured by Oracle Corporation, can be used to create and manage these databases.

The product information DB 522 is a database of general information on the products to be displayed on the server. The product code, company name, product name, market price, supply price, sale price, supply quantity, inventory quantity, sales quantity, product specification, product It consists of items such as photos, delivery conditions, delivery schedule, commodity supply address, supply post code, name of logistics base used, contact e-mail, and payment terms. The contents of some of these items are displayed on the server in the format for the buyer. The product information DB 522 is generally created and input by an electronic commerce company when a supply contract with a product supplier is concluded. However, if negotiated, some items may be entered online by the supplier's server connection.

On the other hand, the product delivery conditions in the product information DB 522 is usually different depending on the type of goods, inventory quantity and the situation of the use logistics base. Therefore, the concept of real-time delivery in the present invention is to replace the meaning of providing a device that can shorten the normal time to deliver from the product supplier to the buyer as much as possible, the delivery schedule and the delivery process in real time. In this way, in the present invention, an electronic commerce company operates a logistics base to use a method of real-time checking the entire process of inventory, goods receipt, delivery, delivery and completion of goods with a PC. In addition, when a product is ordered, a delivery schedule is determined, and the delivery status is checked every hour an hour before the next delivery schedule from the confirmed delivery schedule.

The customer information DB 524 is generally configured differently from the case of a general individual customer and a company customer. However, because it is intended for the owner of the checker, take advantage of its characteristics, such as customer ID, password, business number, trade name, address, zip code, business name, social security number, bank, check equipment type, terminal number, merchant number, business code, It consists of items such as company phone, company FAX, mobile phone, e-mail, and homepage. The information of each item is obtained by directly inputting the customer just before accessing the server device to register or place an order.

The supplier information DB 526 is a DB created at the time of the conclusion of a contract with a company in preparation for commerce, and the configuration items of the DB vary depending on the case where the company is a product supplier and a delivery company. If the company is a product supplier, the company ID, password, company e-mail, company code, business number, trade name, business address, business post code, business name, social security number, payment terms, bank, account number, business code, business DB consists of items such as phone, company FAX, company homepage, name of contact person, contact phone, contact mobile phone, and contact email. If the company is a shipping company, company ID, password, company e-mail, registration code, business number, trade name, business address, business post code, business name, social security number, payment condition, bank, account number, fee condition, business DB consists of items such as phone, company FAX, company homepage, shipping schedule, logistics base name, logistics base address, logistics base post code, contact person name, contact phone, contact mobile phone, and contact email. The DB 526 is conventionally created by input by an e-commerce company in consultation with a company, but some items may be directly input by the company's server connection.

The order management DB 528 is a DB which is automatically generated from the product information DB 522, the customer information DB 524, and the supplier information DB 526 by the server device according to the order signal of the buyer. It is a temporary DB device that responds quickly and organizes relevant data necessary for order processing. The configuration items of the order management DB (528) include the order time, order date, temporary order number, customer ID, order product code, order product name, sale price (order price), order quantity, order amount, consignee's name, billing address, Receipt Post code, Order Natural Lock E-mail, Delivery Schedule, Company Code, Supplier ID, Supply Price, Sales Quantity (Order Quantity), Inventory Quantity, Supplier Payment Terms, Supplier Transaction Bank, Supplier Account Number, Supplier Contact Person, Supplier Contact Phone, Supplier FAX, Shipping Company ID, Commodity Supply Address, Supply Postal Code, Logistics Base Name, Logistics Base Address, Logistics Base Post Code, Fee Terms, Shipping Company Payment Terms, Shipping Company Bank, Shipping Company Account Number , Shipping company contact person name, shipping company contact e-mail, shipping company contact phone, shipping company FAX. Among the items generated from the orderer, the customer ID, order quantity, consignee's name, address of mailing address, number of mailing address are about, and the remaining items are automatically generated by the server device from the information DB (522, 524, 526). Is generated. These items accumulate every time an order is generated, resulting in a huge amount of data being generated. However, in practice, since the order contents are managed by the product code and the company code, the cumulative data amount is not so large unless the change of these codes and the new input items of the orderer are added. That is, in most cases, the accumulation of temporary order number, customer ID, order product code, company code, order quantity, order amount and so on. Characteristic of the order management DB (528) is the temporary order number for each order is generated by the server device is converted to the order management code for each orderer, the order management code for each orderer of each order, the order total amount of each order, order management code, etc. If you create a transfer management code that is interlocked, including the order-specific, per-company order contract information DB 530 is generated and destroyed.

As described above, the order contract information DB 530 executes an order contract result contract execution with the orderer and other commerce related parties when the server device can no longer generate the order management transfer code from the order management DB 528. This is the order-related DB that is finally created for ordering, and it is possible to smoothly supply the order information DB for each orderer to facilitate the confirmation of the order history with the orderer, the conclusion of the contract with the orderer, and the smooth execution of the contract. There is a contract information DB for each product provider and a contract information database for each shipping company to pay and smoothly handle the goods delivery service required for the execution of the contract with the orderer. The feature of this DB 530 is that it is automatically generated and stored by the server device without any external input. Now, if you look at the configuration items of each DB in turn, the contract information DB by orderer is the order date, order time, customer ID, order product name, order quantity, order amount, shipping schedule, consignee's name, mailing address, mailing post code, contact It consists of e-mail, contact phone, contact mobile phone, transaction code (order management code) and transfer code (transfer management code). Contract information DB by supplier includes date, company ID, product code, supply quantity (order quantity), supply amount (supply price x order quantity), supply address, supply post code, logistics base name, logistics base address, logistics base It consists of postal code, delivery schedule, supply code (order management code), contact person name, contact e-mail, contact phone, contact mobile phone, company FAX, payment terms, bank and account number. Contract information DB by shipping company includes date, company ID, shipping code (order management code), unit of delivery, delivery quantity, shipping schedule, contact person name, contact e-mail, contact phone, contact mobile phone, company FAX, payment terms, It consists of bank, account number, fee condition, supply address, supply post code, logistics base name, logistics base address, logistics base post code, consignee's name, mailing address and mailing post code.

The purchaser payment management DB 532 is automatically generated by the server apparatus from the order contract information DB after the customer's transfer agreement, and the contract date, customer ID, deposit account number, transfer amount, transfer code (transfer management code), etc. It consists of the items.

The purchaser inquiry management DB (534) is automatically generated based on the result of the bank deposit inquiry by the server device to confirm whether the customer has fulfilled the contract. The date of deposit, the customer ID, the deposit account number, the deposit amount, and the transfer code (transfer management code) ), Etc.

Regarding the delivery of goods, the delivery unit and the quantity of delivery will be different according to the goods, and the fee will be changed accordingly. Therefore, in the present invention, the product is collected, packaged, and shipped at a logistics base operated by an e-commerce company, and the delivery service is requested to the delivery company according to a delivery schedule set by the e-commerce company. This allows real-time delivery to be realistic by being able to integrate the various delivery conditions of each product supplier and delivery company into one at the logistics base. In other words, real-time delivery can be made according to the delivery schedule by adjusting the buffer inventory, securing the delivery manpower, and urgent delivery.

In addition, the flexible operation of delivery through a logistics base can be handled by classifying the goods to be sent directly from the goods supplier to the customer, the goods to be repacked at the logistics base, or the goods to be requested by the delivery company according to the type of goods and the delivery schedule. have. It is also possible to rent a logistics base at low cost from a delivery company that meets the requirements of an e-commerce company without having to run all the logistics bases. Moreover, the optimization of inventory accompanied with real-time confirmation of commodity logistics and delivery status can give an e-commerce company much more than expected.

Since payment terms of goods suppliers and delivery companies are often based on separate contracts, there are few cases of real-time every order. Therefore, it is desirable to be treated differently from the payment terms of the purchaser. However, in the present invention, in order to show that real-time payment is possible through the banking transfer of the electronic commerce company, the balance of payment for the electronic commerce company, the product supplier, and the delivery company, the transaction bank and the trading account are used as one of the item configurations. Actually, an e-commerce company may open a trading account for a product provider and a shipping company separately in a trading bank, and transfer funds in real time at every order, and then pay in these accounts when they request a deposit.

Logistics information DB (536) is a database created by the e-commerce company by input separately for the efficiency of logistics management, logistics base name, logistics base address, warehouse information, transportation means, transportation time, packaging method, product code, receipt quantity It consists of items such as shipment quantity, inventory quantity, person in charge, contact e-mail, contact phone, contact mobile phone and contact fax.

The delivery information DB 538 is a DB automatically generated from the order contract information DB 530 and the logistics information DB 536 by the server device for efficient delivery processing after the customer's transfer agreement is agreed, date, time, customer ID, and supply. It consists of items such as company code, product code, quantity, product supply address, logistics base name, consignee's name, receiving address, contact person's name, contact e-mail, contact phone, contact mobile phone and contact fax. A feature of this DB 538 is that the delivery management DB 540 is created as a temporary DB device for efficient delivery processing, and disappears when it is confirmed that the delivery completion step among the DB items is completed.

The delivery management DB 540 checks whether the customer's contract is executed by comparing the contents of the purchaser's deposit management DB 532 and the purchaser's inquiry management DB 534, and then automatically generates a server device for performing the debt of the e-commerce company. Contract, date and time of delivery, date and time of delivery, customer ID, product code, quantity of goods, product supplier code, product supply address, shipping company code, name of logistics base, consignee's name, mailing address, contact person's name, contact e-mail, contact It consists of items such as telephone, contact mobile phone, contact FAX, delivery instruction stage, supplier stage, delivery stage, delivery completion stage, and payment fulfillment stage.

The payment management DB 542 compares the result of the comparison between the purchaser's deposit management DB 532 and the purchaser inquiry management DB 534 and the result of the delivery management DB 540 by the server device to confirm the closing process of the balance of the commerce. DB is automatically generated based on the transaction date, transaction history, management code, deposit amount, payment amount, special items, etc.

The network interface 526 is a gateway for communicating with a buyer, a product supplier, a delivery company, and a bank through the buyer card size 404, the product provider PC 410, the delivery company PC 412, and the bank's computer server 226. . A conventional modem, LAN card, or the like can act as the network interface 445. In a preferred embodiment, the network interface 526 may be combined with the Internet and / or international commercial online services such as AmericaOnline, CompuServe or Prodigy.

Although the above embodiment discloses that the server 402 consists of a single computer, those skilled in the art will appreciate that the functionality of the server 402 may be distributed among multiple computers. In one embodiment, server 402 is configured in a distributed fashion, in which the database and processor are housed in separate devices or locations. Each of these multiple computers is attached to a hub or switch or the like that acts as a communication link. This configuration provides a more dynamic and variable system that is less susceptible to catastrophic failures that affect the entire system.

6 is a system block diagram of a purchaser checker according to an embodiment of the present invention. As shown in FIG. 6, the e-commerce card checker 404 according to the present invention includes a CPU 604, an operating system 606, a RAM 608, a ROM 610, a clock 612, A cryptographic processor 614, a card reader 104, an I / O driver 616, an application software 620, a communication port 622, a data storage unit 626, and the input device as a key input device ( 602 and a conventional card 102, and includes a display device 618 and a print output device 628 as an output device, a server of an e-commerce company using a communication device 624, such as a modem, LAN, etc. 402, the VAN relay server 406 and the bank's computer server 226 supporting the financial support system is configured to interface.

The cryptographic processor 614 may not be referred to as an essential component of the present invention because it may be controlled by the CPU, the operating system, and the application software. However, in view of the fact that the checker is a registered terminal with hardware characteristics, it is desirable to reflect the characteristics in electronic commerce as much as possible, so it was used as a separate component. In addition, since the checker 600 is not driven by the card 102 in the present invention, the card reader 104 may not be an essential component of the present invention. However, this is also left as one of the essential components because the checker owner 200 must be present when the seller receives a price from the seller, not the buyer.

The e-commerce card checker 404 of the present invention is designed to directly drive the check base 600 through the key operation of the key input device 602 without passing through the card reader 104. Therefore, unlike the conventional card checker 100, the card checker 404 of the present invention can mount various application programs within the range allowed by the components of the check base, in particular, the RAM 608 and the ROM 610. In addition, when the communication program is mounted, the checker can share or exchange a large number of information materials using the communication device 624. In particular, the combination with an external server device via an interface as in the present invention makes it easy to overcome the physical limitations of the checker 404.

Meanwhile, in the present invention, the checker 404 is driven by keyboard operation separately from the card inquiry processing program 124 which is driven by inserting an existing card into the area of the application software 620 to use the device as a device for real-time electronic commerce. PC communication program, PC banking program, PC ordering program, and PC communication result printing program are additionally loaded. Here, the PC communication program converts the card checker 404 into a PC communication device through the key input 602, and the PC ordering program enables an order through the connection with the server 402 of the e-commerce company, and the PC The banking program provides access to the bank's PC banking system for inquiry and / or transfer.

Here, the programs are configured to be inherent on the checker 404, but there is a limit in accommodating the PC capability of the checker 404. Therefore, communication coupling with an external server using a communication device is required. For example, it is not easy to control all of the programs on the checker with the limited display device 618 of 16 characters long and 4 lines long. In this case, if the server device coupled with the checker adjusts the screen output to the checker in real time, the program in the checker is much simplified. The same logic holds true for data storage. Therefore, the system configuration of the checker 404 preferably extends the interface area with the external server device and reads it from the server only when necessary. This configuration is also applicable to the printing output for enhancing the supporting force.

The software characteristic of the card checker 404 according to the present invention serves to reconfigure the system so that the checker can be used as a PC communication device by reviving the PC personality and capability of the checker which has been buried so far. When the software is reconfigured by this method, the card checker can be converted into various forms according to the configuration of the software. In addition, depending on the nature and characteristics of the software installed, the checker can be transformed into a device that is more than just an e-commerce device including electronic payment.

7 is a system block diagram of a logistics base PC according to an embodiment of the present invention. Logistics base PC 408 shown in FIG. 7 includes CPU 704, RAM 708, ROM 710, input device 702, video driver 716, video monitor 718, clock 712, A cryptographic processor 714, a communication port 720, a communication device 722, and a data storage device 724 are provided, and are configured to interface with a server 402 of an e-commerce company. In B2B e-commerce using a checker network, the logistics base PC 408 PC is preferably operated as a server in order to meet the needs of various regional customers. In addition to the personal computer (PDA), cellular phone, PCS phone, pager (pager) and the like can be used together.

In addition, the data storage device 724 used herein may be a hard disk, a CD-ROM, or a flash memory. Examples of the database to be processed include product information DB 726, logistics information DB 728, delivery information DB 730, delivery management DB 732, message DB 734, the software used to create and manage And Oracle7 from Oracle Coporation. The contents of the DB stored in the logistics base PC are composed of those necessary for the efficient execution of the DB logistics management of FIG.

The product information DB 726 of FIG. 7 is a part of the configuration items of the product information DB 522 of FIG. 5, namely, a product code, a product supplier name, a supply quantity, a stock quantity, a sales quantity, a product delivery condition, a delivery schedule, and a product. The items such as the supply address and the contact e-mail are generated by a method of automatically extracting the server of the e-commerce company and transferring them to the corresponding logistics base PC after the product information DB of FIG. 5 is created. The change is supervised by the server in real time, and if there is a change, it is designed to check the contents in real time and update the product information DB shown in FIG. 5 only in the normal processing. Here, since all items that can change the contents of the product information DB of FIG. 7 are automatically instructed by the server, the input from the logistics base PC is only a procedure for checking whether the instructions are properly performed.

Logistics information DB (728) of Figure 7 is also a DB that is part of the configuration information of the logistics information DB (536) of Figure 5 is automatically extracted by the server and transmitted to the corresponding logistics base PC, transaction date, delivery schedule, transport means It consists of items such as transportation time, packing method, product code, goods receipt quantity, goods receipt quantity, stock quantity, name of person in charge, contact telephone, and contact mobile phone. This DB is also supervised by the server in real time, and the entry in the logistics base PC is limited after checking some items allowed in real time. The method of real-time verification is configured to select those related to the implementation of the instructions.

The delivery information DB 730 of FIG. 7 is also a DB which is partially extracted from the configuration information of the delivery information DB 538 of FIG. 5 by the server and transmitted to the corresponding logistics base PC. The customer ID, the supplier code, the goods It consists of items such as code, quantity, commodity supply address, consignee's name, receiving address, contact person's name, contact e-mail, contact phone, contact mobile phone and contact fax. The DB 730 is also created as a temporary DB device for the efficiency of the delivery process, the delivery management DB 732 is generated, and disappears the moment it is confirmed that the delivery completion step of the DB items. This DB is configured to be impossible to modify in the logistics base PC.

Also, the delivery management DB 734 of FIG. 7 is also a DB which is partially extracted from the delivery management DB 540 of FIG. 5 by the server and is automatically transmitted to the corresponding logistics base PC. Code, Quantity of Goods, Commodity Supplier Code, Commodity Supply Address, Shipping Company Code, Name of Logistics Base, Consignee Name, Registered Address, Contact Name, Contact E-mail, Contact Phone, Contact Mobile Phone, Contact FAX, Delivery Order Step, Supplier It consists of items such as step, delivery step, delivery completion step, payment execution step.

The message DB 734 of FIG. 7 consists of contents which are instructed / verified / processed in real time between the server of the electronic commerce company and the corresponding logistics base PC. The configuration items include items related to processing and verification of product information B (726), logistics information DB (728), delivery information DB (730), and delivery management DB (732), and changed contact e-mails, contact telephones, and transfer codes. And the like are additionally sent.

These data DB 734 are automatically generated by the server 402 of the e-commerce company and sent to each PC by e-mail or web mail, but are also shared through the construction of a web page. In particular, in a B2B transaction, sharing of the DB through the web page format between the server 402, the product provider PC 204, and the delivery company PC 206 is an essential factor.

The product supplier PC 204 and the delivery company PC 206 may also be configured in the same manner as the purchaser checker 114. However, since the product suppliers and delivery companies have different roles in electronic commerce, there are differences in the items of DB used. That is, the configuration items of the DB to be used in the product supplier PC 204 include the transaction date, product name, supply price, supply quantity, supply amount, product supply destination, name of the logistics base used, delivery conditions, supply code (order management code), contact person Name, contact e-mail, contact phone, contact mobile phone, company FAX, transaction bank, account number, etc. The configuration items of the DB to be used in the delivery company PC (206) are shipping code (order management code), name of the logistics base used, goods Supply address, delivery unit, delivery quantity, consignee's name, receiving address, contact person's name, contact e-mail, contact phone, company FAX, bank, account number.

8 is a view for explaining the processing of the bansa alliance real-time electronic commerce method according to an embodiment of the present invention. In the embodiment of Fig. 8, the conventional function of the card checker is maintained as it is. That is, in the card inquiry processing unit 802, the checker 404 is connected to the computer server 226 of the bank 216 via the relay server 210 of the VAN company 209 to check the card (credit card inquiry and / or debit). Card lookup). However, in the e-commerce processing unit 804, unlike the card inquiry processing unit 802, there is no checker 404 via the relay server 210 of the VAN company 209 to implement the e-commerce function. That is, in the e-commerce processing unit 804 of FIG. 8, the checker 404 directly connects to the B2B server 402 of the e-commerce company 814 through the communication network 400 to make a product order and pay for the ordered product. Also, the banking inquiry 808 and the banking transfer 810 are performed in real time by accessing the computer server 226 of the bank 216 directly through the communication network 400.

In the e-commerce processing unit 804 of FIG. 8, the checker owner A 806 i) drives the product ordering program 812 of the checker 600 with the keyboard 602 so as to operate the B2B server 402 of the e-commerce company 814. Search for the display products, select the products you like, and place a purchase order that accepts the payment terms of the e-commerce company, and then ii) the checker 600 with the keyboard 602 to fulfill the contract with the e-commerce company. Call the banking transfer 810 program on the network to access the computer server 226 of the bank through the network 400, enter the code 312 on the security card 310, and then e-commerce company transactions from their account 220 By performing the procedure of transferring the order amount to the account 824, including the contract transaction code (transfer management code), the balance of the checker owner 806 with the electronic commerce company is terminated in real time. In this case, if the owner of the checker is not confident in the balance of his account, the banking inquiry 808 program may be called before the banking transfer 810 to check the balance of his account through the bank's computer server 226 in advance.

Meanwhile, the server 402 of the e-commerce company 814 performs a preparation procedure for fulfilling the purchaser A's order processing and a procedure for confirming whether the checker owner (buyer A) has fulfilled the contract, and through the communication network 400. If the buyer's deposit is confirmed through the contract transaction code in real time by accessing the bank computer server 226 and checking his / her own trading account 824, the logistics base 816, the supplier (goods) Supplier 822 and the delivery company 820 via the PC 408, 410, 412 to make the necessary delivery instructions, whereby the delivery company delivers the order to buyer A 806 and then acquires buyer A. Upon receiving the confirmation and transmitting the fact through the logistics base, the e-commerce company server confirms the completion of the delivery and accesses the bank computer server 226 and passes through the code input 312 process of the security card 310 to the e-commerce company. Commodity supplier from trading account (824) By performing the process of transferring funds to the trading account (826) and the shipping company trading account (828) is terminated in real time all the commerce balance. The operation on the server of the electronic commerce company is described in detail in FIG.

The configuration of Fig. 8, which provides the PC banking function to the checker, enables the checker owner to acquire a lot of things that the debit card and the like cannot provide in connection with the electronic commerce. First, as in the case of FIG. 8, the fee does not enter the payment for the e-commerce. In addition, using the checker's PC banking function, you can check the bank's account balance and deposit and withdrawal in real time, and take necessary measures. More importantly, as the transfer function is used as a means of electronic payment in FIG. 8, the banking transfer function of the checker can be utilized as a means of real-time payment for all real and financial transactions. This means that the cash-free space has been greatly expanded through checkers. Therefore, the checker owner or PC banking member can make payments using the checker without being restricted by time and space.

Using PC banking as a payment method for electronic commerce plays an important role in the activation of electronic commerce. In the conventional electronic commerce system, there is a problem in that the information on the payment means held by the buyer must be left in the electronic commerce server device. In other words, if the customer's card number must remain on the e-commerce server, the transaction is proved. Also, since the card transaction is not real-time, the commerce company must have a number to collect the price. There was a structural contradiction that it could never be discarded to secure it.

However, this makes commerce active only under the condition that an e-commerce company is a reliable company and is unlikely to be insolvent. Since most e-commerce companies do not, it is recognized that leaving card numbers on commerce server servers is extremely dangerous. In addition, cards were perceived as easily decrypted, so there were too many security loopholes. As a result, the value-added power inherent in e-commerce has withered before it even blossomed, and the damage caused by it is also serious.

In the present invention, since the buyer pays the price directly using the bank's electronic financial service system, information about the buyer's payment means never remains on the server. In addition, the bank's computer system requires the bank to input the security code 418 on the security card 416 provided by the bank when registering for a banking transfer, and the transaction details must be checked before and after the transfer. The security of the electronic payment system used is so thorough that it is incomparable with the security of the payment methods that conventional electronic commerce systems take. It is unreasonable for an e-commerce company to make and use a payment security system that will surpass bank credit.

In addition, the economic value of real-time e-commerce using a checker implemented by the present invention can be said to be enormous. First, checker owners have opened the way to purchase and sell goods in real time without leaving the sales office. This means that price comparisons have been made easier, more opportunities for revenue generation, and more time available to focus on producing goods. In other words, the value-creating power of checker owners has increased. Assuming that check owners across the country are in this situation, it is easy to guess how big the value-creating power is. Ignoring the other ripple effects, the effects will probably be great.

The card checker is a registered terminal registered with a card company or a bank. Printouts through the checker have proof of transaction. In the case of a credit card, the credit card company or bank will collect a print slip. Thus, the proof of the transaction can be added to other printed matter obtained through the checker. If you use your personal PC to bank your PC, there's nothing you can do to support it. But in checker it is possible. The same applies to e-commerce. So-called registration terminals, however, can provide evidence in the institutions that maintain the records. In the activation of electronic commerce, securing such evidence is very important for enhancing the reliability of transactions.

9 is a block diagram illustrating the operation of the system on the check machine showing the process of the co-funded real-time electronic commerce method according to an embodiment of the present invention. The configuration of FIG. 9 is distinguished from the configuration of FIG. 8 in that the VAN company relays PC banking. It looks technically simple, but it is very important for business. That is, the configuration of FIG. 8 is a system configured on the premise that there is a relationship such as a strategic alliance between a VAN company and an e-commerce company. However, due to the nature of the business, strategic alliances often do not form lasting partnerships. Therefore, in order for the banking system on the checker to become a solid cornerstone of real-time electronic commerce pursued by the present invention, Bansa needs strong motivation to promote PC banking on the checker. 9 is a system configuration shown as one such solution.

9, the conventional function of the card checker is maintained as it is in the case of FIG. That is, in the card inquiry processing unit 802, the checker 404 connects to the computer server 226 of the bank 216 via the relay server 906 of the VAN company 904, as in the case of FIG. Credit card lookup and / or debit card lookup). However, in order to implement the e-commerce function in the e-commerce processing unit 902, the checker 404 is directly connected to the B2B server 402 of the e-commerce company 908 through the communication network 400 in order to implement the e-commerce function. When placing an order, the checker 404 connects to the computer server 226 of the bank 216 via the relay server 906 of the VAN company 904 and then the banking inquiry 808 and It is supposed to perform the banking transfer 810 in real time.

In the e-commerce processing unit 902 of FIG. 9, the checker owner A 806 i) drives the product ordering program 812 of the checker 600 with the keyboard 602, and thereby the B2B server 402 of the e-commerce company 908. Search for the display products, select the products you like, and place a purchase order that accepts the payment terms of the e-commerce company, and then ii) the checker 600 with the keyboard 602 to fulfill the contract with the e-commerce company. Call the banking transfer 810 program on the bank and access the computer server 226 of the bank via the relay server 906 of the VAN company 904 to enter the code 312 on the security card 310 The balance between the check owner 806 and the electronic commerce company is terminated by performing the procedure of transferring the order amount including the contract transaction code (transfer management code) from the 220 to the electronic commerce company trading account 916. do. In this case, if the owner of the checker is not confident in the balance of his account, the banking inquiry 808 program may be called before the banking transfer 810 to check the balance of his account through the bank's computer server 226 in advance.

Meanwhile, the server 402 of the e-commerce company 908 performs a preparation procedure for fulfilling the purchaser A's order processing and a procedure for confirming whether the owner (buyer A) has fulfilled the contract, and through the communication network 400 If the buyer's deposit is confirmed through the contract transaction code in real time by accessing the computer server 226 and checking his / her own trading account 916, the logistics base 910 and the supplier 912 for the performance of the debt to the buyer. In this case, the delivery company 914 sends the necessary delivery instructions to the delivery company 408 through the PC 408, 410, and 412. Accordingly, the delivery company delivers the ordered goods to the purchaser A 806, and then receives the confirmation of the purchaser A's acquisition. When the fact is transmitted through the e-commerce company server confirms the completion of the delivery and access to the bank computer server 226 through the code input 312 process of the security card 310 through the e-commerce company transaction account (916) Trading account (918) and By performing the process of transferring funds to send the company trading accounts (920) is terminated in real time all the commerce balance. The operation on the server of the electronic commerce company is described in detail in FIG.

The configuration of FIG. 9 doubles the power of the real-time e-commerce of the present invention in various aspects compared to the configuration of FIG. Bansa becomes a relay of PC banking, and the checker is settled as a means of perfect electronic payment, and as a result, the electronic commerce system of the present invention is reborn as a real-time electronic commerce system covering both card and PC banking at the same time. In addition, the configuration of FIG. 9 is designed under the idea that Bansa and other core e-commerce entities, such as banks, department stores, and distributors, will be invested together. As a result, e-commerce can be based on live market information on the demand side, which can be absorbed by Bansa, and department stores and distributors can induce the supply of producers. If added up, the checker can literally be a living example of the electronic market, and when it is combined into a network and transformed into an e-commerce market, the power of creating social added value can be powerful beyond imagination.

In addition, when the server 402 of the e-commerce company and the relay server 906 of the VAN cooperate with each other, the software configuration in the checker 600 can be easily optimized, and the key configuration for performing the function of the checker's PC by the cooperation of Bansa If this simplified, screen composition can be converted to an appropriate scale, the checker can be reborn as a powerful PC communication device interfaced with a server device than any personal PC. In addition, if the server device combined with the checker provides additional services such as I / O adjustment and storage for the checker's situation, it is possible to perform more powerful PC functions.

In addition, as a side effect of the operation of bansa relay server (906) can solve the weakness of the current PC banking system, that is, the problem that can not be encrypted during data transmission, e-commerce and PC banking output through the checker, etc. We can expect the effect of the firm's proof of transaction to be more firmly established.

10 is a block diagram illustrating a system operation of a check machine showing a processing procedure of an electronic financial card type real-time electronic commerce method according to an embodiment of the present invention. FIG. 10 illustrates an embodiment in which the driving routine of PC banking is configured to enable a keyboard and / or an electronic financial card 1004 in the configuration of FIG. 9. Such a configuration will emerge sooner or later due to the practical necessity of satisfying the needs of electronic financial card customers as the functions of electronic financial cards are diversified and electronic commerce is activated. Electronic financial cards (Choheung's Cash Plus Card, Nonghyup's Plus Card, etc.) are adding credit functions to existing debit cards. As such, it is very likely that the debit, credit and IC card markets will soon be replaced.

In Fig. 10, as in the case of Figs. 8 and 9, the conventional function of the card checker is maintained as it is. That is, in the card inquiry processing unit 802, the checker 404 is connected to the computer server 226 of the bank 216 via the relay server 906 of the VAN company 904 in the same manner as in FIG. Credit card lookup and / or debit card lookup). However, in the e-commerce processing unit 1002, unlike the case of FIG. 8, the checker 404 connects directly to the B2B server 402 of the e-commerce company 1010 through the communication network 400 in order to implement the e-commerce function. When placing an order, the checker 404 connects to the computer server 226 of the bank 216 via the relay server 906 of the VAN company 904 and then the banking inquiry 808 and The banking transfer 810 is to be performed in real time. In the case of FIG. 10, however, the electronic banking card is driven in the PC banking process unlike in FIGS. 8 and 9.

In the e-commerce processing unit 1002 of FIG. 10, the checker owner A 806: i) drives the product order program 812 of the checker 600 with the keyboard 602 to display the B2B server 402 of the e-commerce company 908. Access the product list, select the products you like, and place a purchase order that accepts the payment terms of the e-commerce company, and ii) read the electronic financial card 1004 to fulfill the contract with the e-commerce company. The banking transfer 810 program on the checker 600 is called by inserting and contacting the banking computer server 226 via the relay server 1008 of the VAN company 1006 and entering the code on the security card 310. 312) and then the e-commerce of the checker owner 806 by performing a procedure of transferring the order amount from the account 220 to the e-commerce company transaction account 1018 including the contract transaction code (transfer management code). The loan relationship with the company is closed in real time. At this time, if the checker owner is not confident in the balance of his account, the banking inquiry 808 program before the banking transfer 810 may check the balance of his account through the bank's computer server 226 in advance.

Meanwhile, the server 402 of the e-commerce company 1010 performs a preparation procedure for fulfilling the order processing of the buyer A and a procedure for confirming whether the owner (buyer A) has fulfilled the contract, and the bank through the communication network 400. When the purchaser's deposit is confirmed through the contract transaction code in real time by accessing the computer server 226 and checking his / her transaction account 1018, the logistics base 1012 and the supplier 1014 to perform the debt for the buyer. In this case, the delivery company 1016 sends the necessary delivery instructions to the delivery company 10 through the PC 408, 410, and 412. Accordingly, the delivery company delivers the ordered goods to the purchaser A 806, and then receives the confirmation of the purchaser A's acquisition. When the fact is transmitted through the e-commerce company server confirms the completion of the delivery and access to the bank computer server 226 through the code input 312 process of the security card 310 through the e-commerce company transaction account (1018) Trading account of the commodity supplier from 1020 ) And the transfer of funds to the shipping company transaction account 1022, thereby closing all the commercial loans in real time. The operation on the server of the electronic commerce company is described in detail in FIG.

The configuration of FIG. 10 further improves the configuration of FIG. The strength to compensate for the shortcomings of FIG. 8 is much stronger, and the spread of the checker becomes much wider because the use of the checker and the user base are extended to individuals and companies by the introduction of the electronic financial card. The conventional electronic financial card has been difficult to perform more than a debit card as a payment means for purchasing a product. However, by combining with the checker according to the present invention, the electronic financial card can perform not only a function as a debit card but also a function of payment and transfer. In particular, PC banking by operating a checker, which is one of communication media that is difficult to use even with a character key, has a very important meaning in expanding the base of the user base. In addition, if an e-commerce company, which is a jointly funded company, develops an electronic financial card in cooperation with VAN, it will have a profound effect on the existing card market.

FIG. 11 is a block diagram illustrating a system operation of a check machine showing a processing procedure of a bansa direct real-time electronic commerce method according to an embodiment of the present invention. FIG. 11 is a system configuration diagram when Bansa takes over an e-commerce company beyond the cases of FIGS. 9 and 10. Perhaps the majority of bansaries will realize this concept when they realize the power of FIGS. 9 and 10. However, this configuration is not as desirable in business terms. The reason is that Bansa is not an e-commerce group, and in the case of a stand-alone operation, many suppliers will be left off or lukewarm, and if they are not well-versed in the market flow of check, they may face an unexpected stock explosion. However, it is clear that the technical value obtained by integrating into one is becoming more advanced.

In Fig. 11, the conventional functions of the card checker are retained as in the case of Figs. 8, 9, and 10. That is, in the card inquiry processing unit 802, the central processing unit 600 of the checker 404 passes through the relay server 1105 of the VAN company 1104, as in the case of Figs. The card server (credit card inquiry and / or debit card inquiry) is implemented by accessing the computational server 226 of FIG. However, in the e-commerce processing unit 1102, unlike the case of FIG. 9, when the order is implemented to implement the e-commerce function, the central processing unit 600 of the checker 404 directly operates the VAN company 1104 through the communication network 400. Although the product is ordered by connecting to the B2B server 402 of the commerce company 1108, the central processing unit 600 of the checker 404 passes through the relay server 1105 of the VAN company 1104 at the time of payment of the ordered product. By accessing the computer server 226 of the bank 216, and then performs the banking query 808 and banking transfer 810 in real time. 11, the electronic banking card is driven differently from the case of FIGS. 8 and 9 in the PC banking process.

In the e-commerce processing unit 1102 of FIG. 11, the checker owner A 806 i) drives the product ordering program 812 of the checker 600 with the keyboard 602 to control the e-commerce company 1106 directly operated by VAN. Access the B2B server 402, search for the display products, select the products that you like, and place a purchase order that accepts the payment terms of the e-commerce company, and ii) the keyboard 602 to fulfill the contract with the e-commerce company. The banking transfer 810 program on the checker 600 is called and connected to the computer server 226 of the bank via the relay server 1105 of the VAN company 1104 to access the code input 312 on the security card 310. After the checker owner 806 transfers the amount of the order, including the contract transaction code (transfer management code), from his account 220 to the e-commerce company trading account 1114 directly operated by VAN. The loan relationship with the e-commerce company is closed in real time. All. In this case, if the owner of the checker is not confident in the balance of his account, the banking inquiry 808 program may be called before the banking transfer 810 to check the balance of his account through the bank's computer server 226 in advance.

On the other hand, the server 402 of the e-commerce company 1106 directly operated by VAN performs a preparation procedure for fulfilling the purchaser A's order processing and a procedure for confirming whether the owner (buyer A) has fulfilled the contract. If the user's deposit is confirmed through the contract transaction code in real time by accessing the bank computer server 226 through the bank computer server 226 through the contract transaction code, the logistics base 1108 for the debtor's obligation to the buyer , The supplier 1110 and the delivery company 1112 make necessary delivery instructions through the PCs 408, 410, and 412, whereby the delivery company delivers the order to buyer A 806, After receiving the confirmation and forwarding the fact through the logistics base, the e-commerce company server confirms the completion of the delivery and accesses the bank computer server 226 and the VAN company directly through the code input 312 process of the security card 310 Operated e-commerce company By performing the process of transferring funds to trading accounts (1116) and the shipping company trading account (1118) of the product from the supplier Account 1114 is real-time closure of all commerce balance. The operation on the server of the electronic commerce company is described in detail in FIG.

12 is a flowchart illustrating a check phase of a real-time e-commerce method according to an embodiment of the present invention. In order for the checker owner to perform real-time e-commerce using the holding card checker in the place of business, the owner must first set the check routine of the checker to the communication mode at the same time as the input mode by reading the card from the input mode by the keyboard. (1200). This is done by keyboard input.

After the communication mode setting 1200 is completed, a desired service is selected 1202 to determine which routine of the product purchase order 1203 or PC banking 1218 to be performed. If the user wants to purchase a product, he selects a product purchase order 1203 and selects one of the e-commerce company's B2B network 1206 and VAN network 1210 (1204), and then logs in (1208 or 1212). Step through the product order processing routine (1214) through the procedure to order the necessary goods, and then performs the PC banking processing routine (1216) to pay the price and then terminate the communication network connection (1228) and release the communication mode (1230) The checker owner's product purchase order is finished, and only the product delivery needs to be waited for. In this case, if there is no suitable product in the process of executing the product order processing routine 1214, the PC banking processing routine may be omitted and the communication network connection termination 1228 and the communication mode release 1230 may be entered.

The B2B network is collectively referred to as a server system of a group of e-commerce companies that the checker owner can access through the checker. The reason is that in the case of e-commerce using the check network, there is no choice but to diversify regionally and functionally. Originally, VAN is not an e-commerce company, but considering that the owner of the check network is VAN, VAN also set up a separate VAN network under the premise that it actively participates in the area of e-commerce as in the case of FIG.

On the other hand, if the checker owner fails to pay the price of the order at the same time as the order, or if there is a time lag on the payment due to insufficient account balance, the owner selects PC banking (1218) to separate the order and payment. You may. In this case, the payment method is selected after the setting of the communication mode (1200), select the PC banking 1218 in the service selection (1202), then the public network 208, VAN network 1210 or bank network (12) in the connection communication network selection (1220) 1222) select the desired communication network. In this case, if a public communication network is used, a separate login (306) procedure should be performed. In other cases, a connection bank for PC banking is immediately selected (1224), followed by a PC banking processing routine (1216), and then accessing the network. Upon termination 1228 and release of the communication mode 1230, the contractual obligation of the checker owner (buyer) for electronic commerce is terminated. Since VAN's PC banking business relay is very important and efficient in electronic commerce using checker, VAN network is inserted as one of the components.

Fig. 13 is a flowchart illustrating a check phase of a real-time electronic commerce method according to another embodiment of the present invention. Fig. 13 is a process flow diagram when Bansa relays only PC banking and participates in the B2B network operation of an e-commerce company in the form of partnership or investment in the area of the e-commerce. In this case, too, the owner of the checker must go through the procedure of setting the communication mode (1200) in order to use the checker as a PC terminal. However, in the case of good coordination or co-operation with bansa, the process of setting the communication mode can be simplified by assigning a separate key with bansa cooperation.

After the communication mode setting (1200) is completed, the desired service should be selected (1202). If the product purchase order (1203) is selected, the B2B network (1206) of the e-commerce company is directly connected (1206) to log in (1208). After passing through the product order processing routine 1214 to order the necessary goods, the PC banking processing routine 1216 is executed to pay the price, and then terminates the network connection (1228) and releases the communication mode (1230). The checker owner's product purchase order is finished, and only the product delivery needs to be waited for. In this case, if there is no suitable product in the process of executing the product order processing routine 1214, the PC banking processing routine may be omitted and the communication network connection termination 1228 and the communication mode release 1230 may be entered.

Also, as in the case of FIG. 12, when the checker owner fails to pay the price of the product order at the same time as the order, or if there is a time difference on the payment due to insufficient account balance, the owner selects the PC banking 1218 and orders the product. You can also separate payments. In this case, the payment method is selected after the setting of the communication mode (1200), select the PC banking (1218) in the service selection (1202), and then select the access bank 1212 immediately to the PC banking processing routine (1216) When the connection is terminated (1228) and the communication mode is released (1230), the contract execution obligation required for the electronic commerce of the checker owner (buyer) is terminated.

14 is a flowchart of a check phase of a real-time e-commerce method according to another embodiment of the present invention. FIG. 14 corresponds to a case where the power of PC banking is outstanding in the B2B market, as shown in FIGS. 10 and 11. In other words, with the implementation of PC banking, the checker becomes an electronic payment method. As a result, the proportion of electronic commerce in checkers will increase day by day, and the spread of electronic financial cards will also expand with the bank's strategy to expand electronic financial services. It will also replace the existing debit and credit card sectors. There is a situation where an electronic financial card cannot be accepted by a checker.

FIG. 14A is a flowchart illustrating a case in which the company switches to a system in which the checker occupies the electronic commerce company as the proportion of the checker in the e-commerce market is enhanced. FIG. 14B is a diagram of PC banking of the checker as the electronic financial card market grows. This is a flowchart when the routine is directly driven by an electronic financial card. Fig. 14A is not much different from Fig. 13 except that the connection of the B2B network becomes easier as the owner changes. However, FIG. 14B combines an electronic financial card with a checker, which has the effect of attracting customers in individual and corporate markets to electronic commerce.

14B, the holder of the electronic financial card can pay the price with a checker like a debit card, and the owner of the checker possessing the electronic financial card drives the PC banking with the card to pay for the purchase price as well as the financial transaction. You will have room to do it. When you run PC banking with an electronic financial card, it is much easier than using a keyboard input method. In addition, there is no inconvenience in limiting or recharging the IC card. Its use value is much greater. In this case, however, in order to be meaningful, the electronic financial card has to stop setting the communication mode 1200 for the progress of the PC banking process on the check.

After the communication mode setting (1200) is finished, the desired service should be selected (1202). If the product purchase order (1203) is selected, the B2B network (1206) of the e-commerce company is directly connected (1206) to log in (1212). After passing through the product order processing routine 1214 to order the necessary goods, the PC banking processing routine 1216 is executed to pay the price, and then terminates the network connection (1228) and releases the communication mode (1230). The checker owner's product purchase order is finished, and only the product delivery needs to be waited for. In this case, Ban may skip the login process before entering the product order processing routine. In addition, when there is no suitable product in the course of executing the product order processing routine 1214, the PC banking processing routine may be omitted and the communication network connection termination 1228 and the communication mode release 1230 may be entered.

Also, as in the case of FIG. 12, if the checker owner fails to pay the price of the order at the same time as the order, or if there is a time difference due to the balance due to insufficient account balance, the owner selects PC banking 1218 or electronically. You can also run PC banking with a financial card to separate product orders and payments. 14b may be convenient when the separation process. That is, when the checker is driven by the card (1400), the PC banking 1218 mode is immediately set, and the access bank is immediately selected (1224) to perform the PC banking processing routine (1216) and then terminates the communication connection. The communication mode is designed to be released 1230. But real-time e-commerce doesn't have to, because it's already in communication mode.

FIG. 15 is a flowchart showing a check phase of the product order processing routine shown in FIGS. 12, 13, and 14; The screen of the checker has a display limit of 16 horizontal lines and 4 vertical lines, so it cannot output a lot of information at the same time. Therefore, the order processing process on the check machine is mainly forced to rely on search. This flowchart was also made in view of this point. The purchaser's order is initiated by the selection 1500 of a retrieval method. In other words, one of the condition search 1502, the code search 1548, and the classification search 1538 should be selected. First, the condition search 1502 is selected.

When the condition search is selected, the conditions necessary for the search, that is, the product name, the price, and the company are input (1504), the products meeting the conditions are outputted one by one for each item (1506). The output consists of the product name, price, company and quantity. When searching for the printed product, use the scroll keys (back: "J" front: "K" first: "Q" end: "Z" or enter key (key marked "input" on the check-key). When ordering by selecting a search product (1508), enter a product order mode by entering a number other than "0" in the quantity input field (1510.) If you do not like the results during the search query, you can go to the end screen immediately. You can also press "Z" to make an output selection (1522) that selects Continue Search (1554) to return to the first Order Search screen, a routine (1218) to go to PC Banking, and End Order (1534). There is a routine to go to and select Exit if you want to exit.

On the other hand, in the product order mode, the quantity, amount, and code of the ordered product are output, and the quantity can be adjusted by pressing the correction key "I" if desired. At this time, if you want to continue the order (1512), press the "G" key to move to the next product output screen, and you can continue to search the output product using the scroll key, and select (1508) and order each time there is a desired product Through the quantity input 1510 for the transition to the order mode, in the order mode to allow as many items to be ordered through the repetition of the modification and order continued (1512).

If you want to finish the order, press "A" key in order mode to request the output of order history (1514), and the contents of each order, including order date, ID, and trade name, are in order of item name, amount, and quantity. If the output is in order, the output is checked (1516). In this case, you can quickly check the order result using the scroll keys (back: "J" front: "K" first: "Q" end: "Z"). If there is an error, enter the correction mode to make a correction, and then enter the payment method selection (1524). In the correction mode, press the correction key "I" to adjust the quantity (1518), and the adjustment is output in real time ( 1520) Confirmation 1522. However, it is preferable to limit the correction in the correction mode to one time only.If the result of the confirmation is satisfactory, the buyer enters the payment method selection 1524. You may enter End Order 1534.

The buyer can pay one of the banking transfer (810), passbook deposit (1526), electronic financial card (1004). All of them assume that the bank has an account and the balance is completed by wire transfer. Therefore, the treatment routines are not composed separately but are united as one. In addition, debit cards and IC cards can be considered as payment methods in that they have cash accounts in banks, but in the future, they can be unified with electronic financial cards. It is sufficient for the buyer to book only the information promised with the e-commerce company at the time of transfer. Therefore, all the payment methods lead to the buyer's selection of a bank 1515.

When the bank is selected, the server of the e-commerce company outputs the transfer conditions related to the order (1530), which includes the bank's e-commerce company's deposit account, transaction code (transfer code) and order total (transfer amount). In other words, the terms and conditions of bookkeeping and / or verification at the time of payment are made using unpaid deposits. If the buyer agrees to these conditions, the screen outputs the output 1536 to access the bank. If the buyer does not agree, the order is terminated (1534). The server of the e-commerce company sees the order contract only in the case of the conversion output and operates the order processing system. Operation on the server is described in detail in FIG.

On the other hand, if the selection of the order method is code search (1538), the buyer enters the code of the desired product in order (1540), and then presses the enter key, and the product of the corresponding code is output (1506), and the subsequent process is performed by the condition search. Same as the case. Product code collections are also available online, but too many to see on the checker screen. For this reason, the product code collection is treated as being provided off-line to the checker owner. Indeed, in the electronic commerce of the present invention, the publication of periodical prints for checker owners is also in mind.

In addition, when the classification search 1542 is selected, the classification selection 1 (1544) for selecting one of the major categories of products such as planning, living, patent, brand, and the like, the household appliances, miscellaneous goods, office work, leisure, etc. Classification selection 2 (1546) to select one of the middle classification to be output to, classification selection 3 (1548) to select one of the small classification output to air conditioning and heating, kitchen appliances, household appliances, etc., and Samsung Air Conditioner 1, Samsung Air Conditioner 2, Samsung The product is output 1506 through the step of classification selection 4 (1550) for selecting one of the subdivisions output to the air conditioner 3, etc., and the subsequent process is the same as that of the condition search.

Fig. 16 is a flowchart showing a check phase of the PC banking processing routine shown in Figs. 12, 13, and 14; On the check, PC banking first connects to the bank (1600), and then proceeds with the bank's login procedure for PC banking (1602). After logging in, the processing routine varies depending on what PC banking is desired. The processing routine 1605 determines whether the service selection 1606 is an inquiry 808, a transfer 810, or a password change 1616. Depends on. In the case of the inquiry, the contents of the screen input 1622 and the screen output 1624 differ depending on whether the balance balance inquiry 1608 or the deposit and withdrawal inquiry inquiry 1610 is performed. In the case of a transfer, the contents of the screen input 1622 and the screen output 1624 are different depending on whether the transfer is 1612 or the other transfer 1614. Even if the selected service is a password change 1616, the contents of the screen input 1622 and the screen output 1624 are different depending on whether the communication password change 1618 or the transfer password change 1620. According to the selection 1606 of each service, the screen input 1622 and the screen output 1624 are made, and if the contents are to be stored as proof data, the printout is performed. Otherwise, the bank connection is terminated as it is (1626).

FIG. 17 is a processing flow of a check machine showing processing routines for each service of the PC banking routine shown in FIG. 17A is a flowchart showing a deposit balance inquiry processing routine 1608 of the PC banking processing routine shown in FIG. When the desired PC banking service is selected as the deposit balance check (1700), the inquiry contents input 1702 and the inquiry result output 1704 are performed. The inquiry input content 1702 is an account number and a general equipment password. According to the output 1704, the account number, the current balance, the account holder, the last transaction date, and the inquiry date and time are output, but the output content can be adjusted in consideration of the screen conditions on the check machine.

17B is a flowchart showing a deposit and withdrawal inquiry processing routine 1610 of the PC banking processing routine shown in FIG. In the case where the desired PC banking service is selected as the deposit and withdrawal history inquiry 1706, the inquiry contents input 1708 and the inquiry result output 1710 are performed as in the case of the deposit balance inquiry processing routine shown in FIG. 17A. However, the input 1708 is different, and the search start date and the search end date are added. In addition, unlike the case of the deposit balance inquiry processing routine of FIG. 17A, the output contents 1710 are additionally output with the deposit and payment by date.

FIG. 17C is a flowchart showing an autonomous transfer processing routine 1612 of the PC banking processing routine shown in FIG. The PC banking processing routine in the case of selecting the desired PC banking service as a bank transfer (1712) additionally enters the code number on the security card 310 provided by the bank (1714). Complex. After the code input, the transfer process is performed after inputting the transfer contents (1716) and checking the input contents again through the output (1718), and the processing result is output on the screen (1720). In the case of a wire transfer, the contents to be entered (1716) are relatively difficult: five withdrawal account number, common equipment password, deposit account number, transfer amount, client's brief, and transfer password. In addition to the input contents, the withdrawal amount, remittance fee, and name to receive are automatically added to the contents output from the input verification process (1718). As a result 1720 of the result of the transfer process, in addition to the contents 1718 related to the input confirmation, a processing date and time, a withdrawal account holder name, a deposit account owner name, and a running number are added.

FIG. 17D is a flowchart showing the other variant processing routine 1614 of the PC banking processing routine shown in FIG. Even when the desired PC banking service is selected as an alternative transfer (1722), the transfer contents can be input (1726) only by entering the security code on the security card 310 (1724), and the input contents are confirmed through the screen output (1728). The transfer process is performed only after the process is performed, and the result of the processing is output 1730 on the screen as in the case of the auto transfer shown in FIG. 17C. However, in the case of other transfers, because the bank is different, the deposit bank code is added to the input (1726) and the deposit bank name is additionally output from the input confirmation output (1728), and the deposit bank name and the other bank statement are also output from the processing result (1730). Numbers and client contacts have been added to prepare for the situation.

17E is a flowchart showing a communication password change processing routine 1618 among the PC banking processing routines shown in FIG. When the communication password change 1732 is selected as the desired PC banking service, it is simply composed of the process of inputting the change (1734) and the output of the change (1736). The input contents 1734 are three types of the password before the change, the password after the change, and the input once again, and the output content 1406 is only a message indicating the presence or absence of the change.

17F is a flowchart showing a transfer password change processing routine 1620 among the PC banking processing routines shown in FIG. When the transfer password change is selected (1738) as the desired PC banking service, the change contents input 1740 and the change result output 1742 are processed similarly to the communication password change processing routine shown in FIG. Input content 1740 and output 1742 are also the same as the communication password change processing routine shown in Fig. 17E.

18 is a flowchart of a server side of a real-time e-commerce system according to an embodiment of the present invention. FIG. 18A is a flow chart showing that e-commerce can continue in real time as long as the device does not stop even if multiple accessors simultaneously access, provided that the e-commerce is operated by a real-time device. When the real-time device is activated (1800), the buyer initiates a commerce by accessing the server of the e-commerce company (1802), selects a favorite among the displayed products, and adds it to the shopping cart (1804). After making a promise to the e-commerce company to secure the ownership of the product (1806), the buyer includes the transfer control code and transfers it from his account to the e-commerce company's account, as promised by the e-commerce company. When the financial transfer is made (1808), the e-commerce company compares and confirms whether the purchaser pays the payment as promised by the purchaser payment management DB 532 and the purchaser inquiry management DB 534 generated as a result of the electronic financial inquiry ( 1810) As a result, if it is determined that the buyer has paid for the payment, the e-commerce company fulfills its debt, including delivery of the goods (1812, 1814), It terminates below 1816. This flow indicates that the loan relationship between the e-commerce company and the buyer, initiated by the buyer's connection, can be processed in real time throughout the process from occurrence to termination.

If multiple buyers connect simultaneously, each buyer will repeat the steps as described above. However, this repetition is possible only if the e-commerce company has a continuous purchase of goods to be provided to buyers and payment to the shipping company. 18A shows that, together with the completion of the fulfillment of the customer debt (1812), the related debt of the e-commerce company must also be terminated (1814) so that all of the loans of the e-commerce company can be terminated (1816), which does not stop the system (1818). It confirms that it can continue in real time.

FIG. 18B is a diagram showing each processing routine by module in the processing flow diagram shown in FIG. 18A. In FIG. 18A, the purchase intention processing routine 1804 of the buyer includes a search module 1852 and a purchase product selection module 1858. The search module 1852 has a product display device 1854 and a customer search device 1856. The purchase product selection module 1858 includes an order request device 1860, an order reception device 1862, an order processing device 1864, a code generation device 1866, a contract preparation device 1868, and a history confirmation device 1870. Equipped. The purchaser's intention to express the contract conclusion routine 1806 is composed of a contract application module 1806. The contract application module 1806 includes a contract application device 1874 and a contract confirmation device 1876. The contract execution processing routine 1808 of the buyer and the contract execution confirmation processing routine 1810 of the buyer are constituted by the contract execution module 1878. The contract execution module 1878 includes a contract execution apparatus 1880, a delivery preparation apparatus 1882, and a performance confirmation apparatus 1884. The large purchase customer debt fulfillment processing routine 1812 of the electronic commerce company consists of a delivery module 1886. The delivery module 1886 includes a delivery instruction apparatus 1888, a delivery processing apparatus 1890, and a delivery confirmation apparatus 1892. Other related debt performance processing routines 1814 of the e-commerce company consist of a balance sheet module 1894. The balance closing module 1894 includes a balance closing device 1896.

Fig. 19 is a flowchart showing a purchase intention processing routine of the buyer shown in Fig. 18A. The purchase intention processing routine 1804 of the purchaser searches one of condition search (1502), classification search (1538), and code search (1548) in order for the buyer to search for goods displayed on the e-commerce server using a checker. Begin by selecting 1506. When the purchaser selects the condition search 1502 and inputs a condition necessary for the search, that is, a product name, a price, a company, and the like (1504), the product that matches the condition is output to the checker (1506). In addition, when the buyer sees the product code collection distributed by the e-commerce company off-line to the checker, the buyer selects the code search (1538) as a search method and inputs the code of the desired product in turn (1540). 1506). In addition, the buyer selects the classification search (1542), and then selects the sub-categorization (1544,1546,1548,1550) of each category in turn and outputs the desired products to the checker after the selection process of the classification selection 4 (1506) do. 1-4 of the classification choices mean three categories: large, medium, small and small. The output order of search products consists of item name, price, company and quantity.

When the buyer selects (1508) the searched output product and submits an order (1510), the server 402 of the e-commerce company checks whether the buyer logs in (1900), and then receives an order only for the buyer who has logged in. The process goes to step 1902. The detailed process 1904 of the order processing routine creates an order management DB 528 based on the product information DB 522, the customer information DB 524, and the supplier information DB 526. For each order, the order management code 1906 and the transfer management code 1908 linked thereto are generated to generate the order contract information DB 530. At this time, if the order is continued (1512), the process returns to the product output (1506) to select a product and repeats the process of placing an order application. In this process, the output screen adjustment to the checker is configured differently from the screen output of the search mode, the screen output of the order mode, and the screen output of the correction mode so that the input / output from the checker is smooth.

When the purchaser's order is finished, the purchaser's order history 1910 is output to the checker screen 1514, and the output screen is adjusted so that the purchaser can easily check the details. The output history 1910 includes a date 1912, an ID 1914, an article name 1916, a quantity 1918, an amount of money 1920, and the like. The purchaser can check the output history (1516) if the user does not like the modification processing routine 1924, the modification history to the output (1520) to check (1522). Since this process cannot be infinitely repeated, the modification is limited to one time, and if the second time, the connection is terminated (1534). The contents of the correction routine are configured to include a quantity adjustment 1518 or the like. If the user is satisfied with the order confirmed through this process, the buyer will go through the contract intent to sign the contract.

In FIG. 19, the order management code 1906 of an orderer is named a transaction code for a customer, a supply code for a supplier, and a shipping code for a shipping company. This is because the order management code is an internal management code of an e-commerce company, and thus it is necessary to distinguish it from the name used in the transaction with other commercial entities. The code number is assigned to the actual code number in consideration of the consistency of the transaction and the discrimination of the subject. In addition, since the transfer management code 1908 of the electronic commerce company becomes a transfer code from the orderer's point of view, a different name may be used even for the same code for convenience of subject classification.

20 is a flowchart showing a purchaser's willingness to display a contract shown in FIG. 18A. The purchaser's decision-making and processing routine (1806) is to limit the payment method to the transfer of cash in the bank, that is, the bank transfer. The banking transfer (810), bank deposit (1526), electronic bank card (1004) transfer method The system was configured to necessarily select 1524. In this case, the bank account transfer, debit card, IC card can also apply for electronic banking if the bank has an account, and if the bank account number is known, banking can be made by electronic banking. However, in the present invention, since these means can be absorbed into the electronic financial card, they are not separately classified.

When the transfer method is selected, the bank (2002) selects a bank that the visitor wants to trade in (1528). This is to induce the visitor to perform the transfer as much as possible to reduce the burden on the orderer and prevent the change in the transfer amount. If a bank is selected, the transfer condition of the e-commerce company (1530) consisting of the deposit account number, the transfer amount (order total), and the client's summary (transfer management code) is outputted. Ask for consent (1532). If the agreement is agreed, the transfer output is outputted to the bank's electronic screen (1536). Otherwise, the transaction is terminated (1534).

FIG. 21 is a flowchart showing the contract execution processing routine of the buyer shown in FIG. 18A. The purchaser's contract execution processing routine 1808 performs a login 1602 procedure in the bank's electronic banking system where a visitor who has accepted the conditions as described above with reference to FIG. 20 is converted and output from the server 402 of the e-commerce company. This is a routine for performing banking transfer (2100) and then terminating the connection (1626). The banking transfer process 2102 inputs the code on the security card (2104) and inputs the transfer contents (2108) consisting of a withdrawal account number, a general account password, a deposit account number, a transfer amount, a client's summary, and a transfer password (2110). Then, the input contents are checked (2114) by the contents (2112) outputted from the computer server of the bank, and if there is no abnormality, the transfer is instructed and the result is again outputted on the screen (2116). In addition to the purchaser's input, the withdrawal amount, the remittance fee, and the name of the person to be received are added to the confirmation item 2118 outputted from the bank computer server 226 by the input. Account owner name, tracking number and processing date and time are added. In this case, the contents of the deposit account number, the transfer amount, and the client's summary should be the same as the transfer condition 2004 of FIG. 20.

As such, the electronic payment method of the buyer using the cash transfer in the bank is secure compared to the conventional card payment method, and the payment is performed by using the computer server of the bank directly without using the server of the e-commerce company. There is no room for exposing or leaving information about the means on the e-commerce company's servers, and because there is no cost like a credit card, products can be purchased at least 5% cheaper than card payments. In addition, debit card holders can use the electronic banking service only by applying for electronic banking, so they do not need to use the card system of the checker asking for a fee.

FIG. 22 is a flowchart showing a process of confirming whether or not a contract is fulfilled by a buyer shown in FIG. 18A. The purchaser's contract execution confirmation processing routine 1810 first extracts the contents necessary for the purchaser's deposit management from the order contract information DB 530 generated by the order processing routine of FIG. 19 to generate the purchaser's deposit management DB 532 (2200). On the other hand, through the routine 2204 for electronic financial inquiry processing (or banking deposit inquiry processing), a buyer inquiry management DB 534 is generated which can be compared with the contents 532 of the buyer deposit management DB 532. (2222), it is determined by the routine (2224) that compares the contents of the two DBs, and transfers the result to the banking online (2228) corner, while the deposit confirmation (2230) processing only Configure the step to run.

The contents of the e-financial inquiry processing routine consist of the e-commerce company accessing the bank, logging in, and ending the connection via the deposit inquiry processing routine 1610. The inquiry input contents of the deposit inquiry processing routine consist of account number, full equipment password, start date of inquiry, and end date of inquiry. Accordingly, the contents output from the computerized server of the bank are account number, current balance, name of the account holder (e-commerce company), and date. It consists of deposit amount (transfer amount), summary (transfer management code), and inquiry date and time. On the other hand, the server adds a separate procedure for storing the output to increase the efficiency of the real-time inquiry to use as the generated data of the buyer inquiry management DB (534). The contents of the buyer inquiry management DB 534 includes a deposit account number, a transfer code, a deposit amount, a deposit date, and a search date and time. The contents of the buyer inquiry management DB 532 and the buyer inquiry management DB 534 If they match, it is determined that the money is deposited.

FIG. 23 is a flowchart showing a large purchase customer debt performance processing routine of the electronic commerce company shown in FIG. 18A. The e-commerce company is obliged to deliver the contracted product from the time when the customer (buyer) deposit is confirmed. The processing routine 1812 starts with the delivery instruction 2300 to the logistics base PC 408, the product supplier PC 410, and the delivery company PC 412 of the electronic commerce company. In particular, the logistics base PC 408 receives data directly from the server 402 of the e-commerce company, as described in FIG. 7, and is always on, so that the on-line instruction is possible. The data transmitted to the logistics base PC 405 is the product information DB 726, the logistics information DB 728, the delivery information DB 730, the delivery management DB 732, the indication message DB 734 and the like.

The delivery instruction of the server is given based on the information on the ordered goods of the logistics base. Instructions vary depending on the availability and quantity of the logistics base and the delivery schedule. That is, if there is stock, the delivery company is instructed to deliver the ordered product directly from the logistics base 816 to the buyer (2304) .After delivery, the receipt is received from the buyer and submitted to the logistics base (2306). By notifying the e-commerce company, the process of confirming that the delivery is completed is made (2308). However, if there is no stock, the commodity supplier 822 is first instructed to transfer the ordered goods to the logistics base 816 so as not to be late to the delivery schedule, and the delivery company is configured to perform the following process.

Here, it is assumed that the logistics base PC 408 is directly managed and managed by the electronic commerce company. But that does not mean the ownership of the logistics base. The important thing for an e-commerce company is not the logistics base itself, but information about the goods in the logistics base. Therefore, the logistics base shown in Fig. 23 is not fixed at a specific place. The base includes the logistics base owned by the e-commerce company as well as the logistics base of other commerce associates, namely the suppliers or delivery companies. Logistics base required by the present invention is not limited to the location, location or possession as long as all and / or part of the goods in the logistics base can be registered and managed in the logistics base PC of the e-commerce company.

Therefore, the logistics base transported by the commodity supplier is not the logistics base owned by the e-commerce company, but refers to the registered logistics base that is located in the best position for delivery to the buyer because the server judges. Using such an operating system, the distance between the supply of goods and the water supply can be shortened to the shortest distance. In other words, if there is only product information about the logistics base controlled by the server, the transport, direct delivery, or delivery will be determined and directed by the server in search of the fastest route, regardless of where the logistics base is or who is the owner.

In addition, the present invention operates the "shipping online" corner between the e-commerce company server 402 and the logistics base PC 408 to determine the real-time delivery progress and the results of the server or logistics base PC (408), delivery company PC ( 412), so as to check in real time on the product provider PC (410). The operation method is one step of the delivery instruction to the logistics base PC 408, the second step of the goods receipt into the logistics base, the third step of the goods issue, the fourth step of the delivery process, and the confirmation of the completion of delivery by the receipt of the receipt in five steps. It is configured to configure the traffic light system of on / off method for each step, so that the traffic light of each step blinks as the order goods are delivered. This configuration can be configured according to the delivery schedule or ordered products. The buyer can check the progress through the server connection, or the server can messaging according to the delivery schedule. Real-time processing of messaging can be PC, telephone, mobile phone, fax, etc.

Fig. 24 is a flowchart showing other related debt performance processing routines of the e-commerce company shown in Fig. 18A. Other related debt performance routines of the e-commerce company (1814) used e-finance to solve this problem because the e-commerce company terminated its obligations with buyers but the debt problem for other commerce related parties in the process was not solved. It consists of a process. This routine consists of accessing the corresponding bank 1600, logging in 1602, and ending 1626 through the banking transfer processing routine 2400 to the shipping company and the product provider. The contents of the banking transfer processing routine (2402) input the security code on the security card provided by the bank (2404), the transfer contents consisting of the withdrawal account number, unit password, deposit account number, transfer amount, client's summary, transfer password ( 2410), and then check the input contents (2412) by the output (2414) outputted from the computer server of the bank, if there is no error, instructs the transfer and transfer the result again for confirmation (2416) After the process of outputting the content on the screen, the output is stored in the server (2420). The output from the bank computer server is added with the withdrawal amount, the remittance fee and the name of the person to receive in addition to the input when checking the input contents, and the withdrawal account owner name, the deposit account owner name, transaction processing number and processing date are added when checking the transfer result. By doing so, it minimizes the risk of electronic payments through cash transfers in banks. In this case, the transfer account should be made in two cases because the trading account of the shipping company is different from that of the product provider. Except for this point, the rest of the basic iserutine is the same as in the case of FIG. Only through this process will all of the e-commerce lending related to the e-commerce company be virtually terminated.

25 is a view for explaining the processing on the server of the real-time e-commerce method according to the present invention. According to an embodiment of the present invention will be described the overall operation when the electronic commerce through a checker. A buyer (checker owner) using the electronic financial service accesses the server 402 operated by the e-commerce company using the holding checker 404 to search for the products displayed on the server 402 (2504) (2506). After the login (1900) procedure for purchase, the desired product is selected (1508) and the order application (1510) is issued, the internal order processing system (2508) of the server 402 is a product information DB (522), customer information DB In operation 524, the order management DB 528 is generated based on the supplier information DB 526, while the code generation device 2510 in the system generates an order management code 1906 for each order to manage the order management DB 508. Simultaneously with the creation of the transfer management code (1908) based on the order management code (1906) and stored in the order contract information DB (530) by orderer (2514), by company (2516) and create an order (2518) do. At this time, if the purchaser's order application continues to enter, this process is repeated, and when the order application is finished (1534), the orderer's order history is output to the checker screen (1514), and if the orderer confirms the order (1516), banking transfer A screen for selecting a payment method including a screen and a screen for requesting a visitor's bank selection are successively outputted, and when an orderer selects one of the output banks, the transfer management code (1908), the total transfer amount, and the corresponding e-commerce company The bank deposit account number is outputted as a transfer condition on the checker screen (1530) and asked whether to agree to the condition. When a signal is received from the orderer to agree to the terms, the server 402 registers a contract with the banking online corner, operates the delivery management processing process 2524 and the deposit management processing process 2520 and simultaneously selects the electronics selected by the buyer. The conversation with the visitor (owner) is terminated by switching the screen of the bank (PC banking) bank to the checker screen. Then, the purchaser accesses through the communication network 400 of the corresponding bank, inputs the code number 312 on the security card 310, and performs a PC banking transfer including a transfer management code as promised by the e-commerce company. Transfer the funds from 218 to the designated account 2523 of the commerce company.

Meanwhile, the server of the e-commerce company generates a buyer deposit management DB 532 so that the buyer can perform the deposit management process 2520 during the PC banking transfer, and at the same time, perform a banking inquiry 2522 to the corresponding bank. Save and create a buyer inquiry management DB (534) based on this, and compares the contents with the buyer deposit management DB (532) (2224) to determine whether the buyer's contract performance. The key to the comparison is whether the transfer management code matches. The comparison result is registered in the banking online corner on the server in real time. When the purchaser confirms that the payment is made as promised (2230), the deposit is transferred to the payment management DB 542 and the server enters the operation of the delivery processing system 2526 for processing the debt performance of the electronic commerce company. Banking Online Corner is designed with ON / OFF traffic light system so that you can grasp the progress of the purchase contract in real time along with the Delivery Online corner which will be described later.

The delivery processing system 2526 of the present invention is automatically generated based on the order contract information DB 530 and the logistics information DB 536 by a delivery management process 2524 which is operated at the same time as the purchase agreement of the buyer 1532. Starting from the delivery instruction 2300 based on the information DB 538. That is, the server 402 sends a message instructing delivery to the logistics base PC 408, the PC 410 of the product provider, and the PC 412 of the delivery company, and simultaneously generates a delivery management DB 540 and delivers the server. The contents are registered in the online corner 2228. At this time, the contents sent to the logistics base PC and the contents sent to the product supplier and the delivery company are different. That is, some items of the product information DB 522, the logistics information DB 536, the delivery information DB 538, and the delivery management DB 540 are transmitted to the logistics base PC together with the delivery instruction message in real time. It is required to receive the ordered goods from the relevant logistics base and deliver them to the buyer (or designated consignee) and confirm the delivery result through the logistics base. To be transported to the base.

On the other hand, the logistics base PC registers the process of receipt, release, delivery progress, and completion confirmation of the ordered product from the delivery instruction in real time in the online delivery corner 2302 on the server so that all related parties can identify, confirm, and process the delivery progress in real time. To be able. All logistics base PCs are tied to servers and clients operated by e-commerce companies, and data is updated in real time. In addition, it is preferable to design the PC of the product supplier and the delivery company in a structure of a server-client system interoperating with the server of the e-commerce company, but it is not necessary. The registration contents of the Delivery Online Corner are operated by an automatic messaging and lining system that checks the server at regular intervals in accordance with the delivery schedule of the ordered product, and asks the reason for the failure and requires processing. PC, telephone, fax, mobile phone, etc. can all be used as a messaging means, but it is preferable to carry out in parallel.

Physical goods cannot travel through electronic media. Therefore, in the present invention, while the e-commerce company directly manages the logistics base through the logistics base PC in order to improve the efficiency of real-time delivery of goods, the contract with the supplier and the delivery company in advance regarding the delivery and delivery of goods, and the contents of the agreement We will implement real-time e-commerce by setting shipping schedules for each logistics base and including them in the contract terms with buyers. In other words, the buyer can check the conditions of the e-commerce company's real time at the time of member registration, product search, or contract conclusion. In addition, since the delivery of goods varies greatly depending on the delivery area, the amount of delivery and the delivery time, and the delivery schedule, the present invention checks the delivery progress every hour before the next delivery schedule proceeds from the delivery schedule determined at the time of the purchaser's contract. The principle of real-time delivery is to include it in the terms of the product contract.

When the completion of delivery is confirmed on the delivery online corner by the input of the logistics base PC (2308), the server 402 registers the fact in the delivery management DB 540 and banks for the performance of the debt for the goods supplier and the delivery company. The transfer system 2528 is operated. When the banking transfer system 2528 is activated, the e-commerce company connects to the computer server 226 of the bank and enters the product provider's information from the withdrawal management account 2530 of the e-commerce company through the code input 312 on the security card 310. Transfer of funds to the trading account 826 and the shipping company's trading account 828 completely terminates all loan relationships. In this case, it is preferable that the e-commerce company manages the transaction account separately from the deposit management account and the withdrawal management account for convenience of management, and transfer between the two accounts is performed only when necessary according to the signal of the payment management DB 542. Is more effective.

The method and apparatus of the real-time e-commerce using the checker according to the present invention provides the checker owner (buyer) with the opportunity to perform the entire process from purchase of goods to payment using the checker in real time without leaving the business place. . It also allows owners of checkers to use their checkers to purchase goods at low prices without continuing to disclose information about their means of payment and to continue selling with card checkers. As a result, checker owners are able to reduce costs by using cheap and quality materials by e-commerce, increase their productivity by being able to concentrate on the production of superior products, and improve the quality of their product consumers. Being able to provide services can create high added value. This effect means that division of labor and specialization will be promoted among checker owners. Therefore, the economic ripple effect of the present invention is considered to be enormous if all checker owners in the country and around the world are in mind.

It should be noted that the e-commerce server system shown in Fig. 25 makes it possible to utilize not only a checker but also all communication media having an input device and a display device as tools for e-commerce. For example, if a mobile phone is equipped with a communication program and a few application programs that can be connected to the server, the mobile phone can be converted into a tool for electronic commerce through connection with the server. In addition, the mobile phone can be converted into a tool capable of electronic commerce by controlling output on the server even if the mobile phone is equipped with a communication program. In the same case, a screen output device such as a TV or a video and an input device (remote control) containing numeric keys can be converted into a tool for electronic commerce. This applies to all cases, including PCs, laptops, screen phones, and so on.

Fig. 26 is a configuration diagram of an operation key of the card checker device according to the present invention. In the keyboard key 2600 on the conventional checker device, there is no single key for communication by converting the checker device into a PC. In addition, there are only numeric keys and function keys on the keyboard, and it was only possible to input Korean and English by manipulating the numeric keys. Therefore, in the embodiments of the present invention, the configuration of an existing keyboard key is changed or reconfigured through some combination. In this case, when the numeric keys are combined, there may be a problem in inputting the numbers required for the electronic commerce. Therefore, it is preferable to combine the function keys and the characters on the numeric keys.

In order to implement the embodiments of the present invention, it is necessary to set a number of keys that are not supported by the existing checker device. As shown in FIG. 26, the operation keys of the card checker device according to the present invention are, in addition to the conventional checker keyboard key 2600, a PC communication mode setting release key 2602, a PC banking data transmission key 2604, and a checker screen shift key. 2606, bank code key 2608, checker printout key 2610, and checker product purchase order key 2612. Here, the PC communication mode setting release key 2602 is for enabling PC communication by switching the checker device to the PC communication mode, and includes a key for setting the communication mode and a key for releasing the communication mode. PC banking data transmission key (2604) is to enable the exchange of data with the bank's PC banking system after the bank access, re-entry key (I), upper menu key (M), initial menu key (T), end The key X, the transfer approval key Y, and the transfer rejection key N are provided. The checker screen scroll key (2606) is to overcome the limitations of the display with 16 characters and 4 lines. The first screen key (Q), the last screen key (Z), the back screen key (J), and the front screen key ( K), one line up key (*), and one line down key (#). The bank code key 2608 is for moving to the bank code viewing screen required for another transfer, and includes a viewing key (D) and an in-situ key (E). Since the output of the e-commerce printout is different from the printout of the existing checker device, a separate result printout key 2610 should be provided. A print key P is provided as a print output key 2610 for PC banking and electronic commerce. The checker product purchase order key (2612) is for the purchaser to purchase and order the product with a checker so that it is easy to move and change (continue (G), end of purchase (A), banking (B), modification (I), end ( X) is provided.

This key configuration method applied to the checker has a significant meaning in utilizing communication media which do not have a keyboard other than the numeric keys as a tool for electronic commerce. For example, the above key configuration may be equally applied to a small memory communication medium such as a mobile phone, a TV remote control, a screen phone, etc. having a key configuration similar to a checker, as a tool for electronic commerce. Furthermore, under the server-client networking e-commerce system as shown in FIG. 25, since the server supports the majority of character combinations and input / output, the communication medium can implement real-time e-commerce through networking with only a few simple key operations.

Fig. 27 is a configuration diagram of a communication connection screen of an electronic commerce card check device according to the present invention. Since the screen display on the checker device is only 16 digits wide and 4 lines long, implementing the banking using the checker device requires a checker-specific screen configuration different from the existing PC banking screen configuration. In this PC banking connection screen, the selection of detailed items is possible only by pressing a predetermined number key, thereby limiting the screen input / output so as not to occur.

First, when the PC communication mode setting key as shown in FIG. 27 is pressed, the communication mode state is displayed and the service selection screen 2702 as shown in FIG. 27 is displayed on the screen display apparatus. At this time, the owner of the checker selects a service from a product purchase order and a banking inquiry transfer by pressing the number keys "1" and "2".

When the product purchase order is selected by pressing the numeric key " 1 " on the service selection screen 2702, the use network selection 2704 is displayed on the screen display 618. FIG. At this time, the checker owner selects one of the B2B network and the VAN network by pressing the number keys "1" and "2". When the owner selects a network and presses a number, login screens 2706 and 2708 for the network are displayed. When the user ID and password are entered in the network login screens 2706 and 2708, the order method selection screen 2710 is displayed and the owner of the checker presses one of the numeric keys "1", "2", and "3". Select Search, Code Search, or Classification Search.

When the banking inquiry transfer is selected by pressing the numeric key "2" on the service selection screen 2702, the communication network selection screen 2712 is displayed on the screen display device 618. At this time, the checker owner selects 1220 one of the public networks 208, the VAN network 1210, and the bank network 1220 by pressing the numeric keys " 1 ", " 2 ", and " 3 ".

When the public network is selected by pressing the numeric key " 1 " on the communication network selection screen 2712, the access network selection screen 2716 is displayed on the screen display device 618. FIG. At this time, when the owner of the checker selects one of the access networks again by pressing a numeric key, the access network login screen 2718 is displayed. When the user ID and password are input on the access network login screen 2718, the access bank selection screen 2720 is displayed. When the bank is selected through the numeric keys, the bank login screen 2724 is displayed. When selecting a bank, it is necessary to move the screen since the codes of many banks cannot be displayed on the display device 618 of a limited size. Therefore, the access bank selection screen 2720 preferably displays the checker screen moving key 2722 on a portion of the screen. When the checker owner enters the user number and the communication password on the bank login screen 2724 and logs in to the bank's computer server, the checker owner displays the PC banking by displaying the service selection screen 2726 on the screen display device 618 of the checker device. Do it. Here, the PC banking service selection screen 2726 also selects one of inquiry, transfer, and password change by pressing a numeric key so that each corresponding screen (2730, 2732, 2734) is displayed, and another screen movement is required. By selecting any one of the English characters " Q ", " Z ", " K ", " J "

When the VAN network is selected by pressing the numeric key " 2 " on the communication network selection screen 2712, a screen for immediately selecting an access bank is displayed on the screen display device 618. FIG.

When the bank network is selected by pressing the numeric key "3" on the communication network selection screen 1702, a screen 2720 for selecting an access bank is displayed. When selecting a bank to be accessed by pressing a numeric key on the access bank selection screen 2720, a login screen 2724 of the corresponding bank is displayed, and the subsequent screen configuration is the same as that of the public network.

This screen configuration method applied to the checker can be equally applied to use a large number of communication media having a small display device as a tool for electronic commerce. For example, a mobile phone, a screen phone, etc. having a screen structure similar to that of a checker is too small to use as a tool for electronic commerce in the usual way. However, under the server-client networking e-commerce system as shown in FIG. 25, since the server controls most character combinations and screen input / output, real-time e-commerce can be easily used even in such a small medium.

28 is a block diagram of a member's registration modification screen on the card size according to the present invention. FIG. 28A illustrates a case where the checker owner selects registration by pressing “1” in the registration modification selection on the corresponding network login screens 2706 and 2708 of FIG. 27. In the upper part of the screen in Fig. 28a, the screen shift key up one line, one line down, and below the user ID, password, business number, trade name, address, business name, resident number, bank 1, bank 2, check device type, terminal A registration screen 2802 composed of a number, an affiliated store number, a business type code, a telephone 1, a telephone 2, a mobile phone, and a fax number input unit is displayed on the screen display device 618.

FIG. 28B is a diagram illustrating a case where a checker owner selects a correction by pressing “2” in the registration modification selection on the corresponding network login screens 2706 and 2708 of FIG. 27. In FIG. 28B, a screen shift key 2803 is placed one line up and one line down at the top of the screen, and a user ID output unit, a password, an address, a phone 1, a phone 2, a mobile phone, a fax, and an input unit of a trading bank 2 are disposed below. The screen 2804 is displayed on the screen display 618.

29 is a screen configuration diagram of a product purchase order on a card checker according to the present invention. As shown in FIG. 29, when a purchaser connects to an e-commerce server through a B2B network or a VAN network, an order method selection screen 2710 is displayed on the checker screen display device 618 on the checker screen.

On the order method selection screen 2710, when the buyer selects the condition search by pressing the number key " 1 ", the condition input screen consisting of the item name and price to be searched, the input of the company and the scroll keys of one line up and one line down ( 2900 is displayed on the display device 618 so that the product output screen 2902 is composed of a product name, price, the output of the company and the input unit of the quantity to be ordered, and the screen movement keys to the back and end do.

When the code search is selected by pressing the number key "2" on the order method selection screen 2710, a code input screen 2948 consisting of a screen moving key up one line and one line down and a code input part is output to the display device. In response to the input, the product output screen 2902 is displayed on the screen display device.

When selecting a classification search by pressing the number key "3" in the order method selection screen (2710), the screen to select one of the categories such as planning, living, patent, brand, etc. A screen 2950 of classification selection 1 composed of moving keys is displayed on the display device. When a category is selected by using the numeric keys, the screen of category selection 2 (2952) consisting of a part for reselecting a subcategory of the selected category by using the numeric keys and a scroll key of one line up and one line down is displayed on the display device. do.

Select this category by selecting the detailed category and input the desired category from the selection screens (2956,2958) using the numeric keys, and press the screen shift key "J". The desired product output screen (2902) is displayed on the display device. Is displayed.

In addition to product name, price, company output and quantity input, the product output screen (2902) has a screen moving key (2904) to the back and the end of the bottom right of the screen to facilitate the product search. When the purchaser selects the end by pressing "Z", a screen 2744 showing the phrase end of screen, initial order method selection, and moving key 2946 to banking "B" and end "X" is displayed. ) Is displayed.

By inputting "0" to the quantity on the product output screen 2902 or moving to a later screen, the output screen 2934 of another product may be displayed on the display device 618, and the quantity other than "0". If you enter a number, an order modification screen (2908) consisting of the entered quantity, amount, and transaction code is displayed on the display device.

(2910) to allow the modification of the order quantity, and the order continued key "G" and the order end key "A" at the bottom of the screen to be selected by the buyer.

When the purchaser selects "Continue Purchasing" by pressing "G", the product output screen 2934, which includes a product name, a price, a company output, and a quantity input, is displayed on the display device 618, and the order and Product search can continue.

When the purchaser selects the purchase end by pressing "A" on the order modification screen 2908, the order confirmation screen 2916 indicating the date, ID, and trade name is displayed on the display device 618, and the checker screen is limited to four lines. Considering that there is a screen moving key (2918) consisting of the back "J", the front "K", the end "Z" to the upper portion of the screen to free the screen output.

When the user moves backward by pressing the screen shift key "J" on the first order confirmation screen 2916, an order confirmation screen 2920 showing the item name, amount, and quantity is displayed on the screen display device 618. At this time, the upper part of the screen is provided with a screen moving key to the back, front, and end, and the correction key “I” 2910 is placed next to the quantity output part to enable the modification of the order quantity once again.

When the order quantity is modified on the second order confirmation screen 2920, the order confirmation screen 2922, which displays the item name, amount, quantity, quantity modification key portion, and a screen shift key to the back, front, and end, is displayed on the display device 618. Is displayed.

Moving back from here, a screen 2924 is displayed on the display device to display the number of items and the total amount, and to select one of banking transfer and unpaid deposit as payment terms by pressing the number keys "1", "2" and "3". .

When a payment condition is selected by pressing a numeric key, a bank selection screen 2928 for displaying a bank and its number on the screen to select a bank as a number is displayed on the display device. Also, because it is not possible to show all bank codes due to the limitation of the checker screen, it is convenient to move the screen by placing one key before the screen (*) and one line after the screen (#) at the bottom of the screen.

In the bank selection screen (2908), when a bank is selected by pressing a number key, a screen input key (2932) composed of agreement "1" and end "0" is displayed at the top of the screen. A screen 2930 is displayed on the screen display device 618.

The screen configuration of FIG. 29 is another example showing how electronic commerce is possible in a communication medium having a small display device such as a checker. That is, although it is a small screen, it can go to the required place by manipulating keys such as screen unit movement, line unit movement, etc., and since the server manages input / output, electronic commerce can be performed without any difficulty.

30 is a block diagram of a PC banking input / output screen on a card checker according to the present invention. As shown in FIG. 30, the PC banking input / output screen according to the present invention includes data input keys, screen operation keys, and print output keys necessary for PC banking on a check system together with the input and output contents on each screen. In addition, the menu navigation keys are placed at the end of every screen, to eliminate the inconvenience of input and output on a small screen.

As shown in FIG. 30, when the deposit balance inquiry is selected by pressing the number key " 1 " in the inquiry code selection screen 2730 in FIG. 27, an input screen 3000 for requesting the input of the account number and the passcode is provided. And accordingly, an output screen 3004 indicating the account number, the current balance, the account holder, the last transaction date, and the inquiry date and time is displayed on the screen display device 618.

In addition, when the inquiry code selection screen is selected by pressing the number key "2" in the inquiry code selection screen 2730, an input screen 3004 for requesting the input of the account number, the equipment password, the inquiry start date, and the inquiry end date and the account number accordingly. On the screen display device 618, an output screen 3006 indicating the current balance, the account holder, payment and payment by date, and the inquiry date and time is displayed.

In addition, when the autonomous transfer is selected by pressing the numeric key " 1 " in the transfer code selection screen 2732 shown in FIG. 27, unlike the case of checking the balance balance or checking the deposit and withdrawal history, the code number on the security card is required. The code number input screen 3010, the withdrawal account number, the general equipment password, the deposit account number, the transfer screen requesting the input of the transfer amount, the client's summary, the transfer password, the withdrawal account number, the deposit account number, the withdrawal amount, An output screen 3014 indicating a transfer amount, a remittance fee, a client's summary, a name to be received, and whether the transfer is approved is displayed on the screen display device 618. In this case, as shown in FIG. 26, when the English letter “P” is printed, the processing date and time, withdrawal account number, withdrawal account deposit note, deposit account number, withdrawal account deposit note, client summary, withdrawal amount, remittance amount, remittance fee, Agricultural processing number is printed through the print output unit 628.

In addition, when another transfer is selected by pressing the numeric key "2" on the transfer code selection screen 2732, the code number input screen 3010 for requesting the input of the code number on the security card as in the case of the transfer transfer, and withdrawal; Input screen 3018 requesting the input of account number, passcode, deposit bank code, deposit account number, transfer amount, client summary, transfer password, withdrawal account number, deposit bank, deposit account number, transfer amount, remittance fee The output screen 3020 indicating the client's brief, the name of the person to be received, and whether the transfer is approved is sequentially displayed on the screen display device 618. At this time, as shown in FIG. 26, when the input letter 3018 is pressed the letter "D" of the bank code key, the bank code view screen 3024 is displayed on the screen display device 618. In the case of other transfers, as in the case of subsidies, pressing the letter “P”, which is a printout key, causes the processing date, withdrawal account number, withdrawal account deposit, bank name, deposit account number, withdrawal account deposit, withdrawal amount, remittance fee, and remittance fee. , Nonghyup processing number, other line professional number, the client contact is printed out through the print output unit (628).

In addition, when selecting the communication password change or the transfer password change by pressing the numeric key "1" or "2" on the password change code selection screen (2734), the input that requires input of the password before the change, the password after the change, and the input again. The screen 3026 and an output screen 3028 indicating that the password has been changed are displayed on the screen display device 628.

30 is another embodiment showing that PC banking can be performed through simple key manipulation on a small screen. This is very useful when using communication media such as mobile phones and screen phones as a means of electronic payment. The feature of the present invention is that the application capability and the scope of application are so wide that it is possible to easily perform real-time e-commerce through simple key manipulation even on such a small screen. Therefore, real-time electronic commerce using communication media such as PCs, laptops, TVs, and video having a large screen or various key configurations is easy to lie down and eat when applying the technology of the present invention.

According to the present invention, the card checker can perform the functions of a PC communication terminal, a PC banking terminal, and a PC ordering terminal so that the owners of the checker can purchase the goods in real time using the checker and pay the price without leaving the business place. At any time, the account balance and deposit and withdrawal details can be inquired or the electronic payment and financial transactions for a third party can be performed in real time through banking transfer. In addition, since the transaction details can be printed out through the card checker, which is a registered terminal, there is an effect of securing a proof print.

In addition, the server system according to the present invention specifies that the electronic financial service system is used as a payment method, and the payment between the parties in all transactions has the same effect as the payment of real-time cash (legal payment). There is an effect that the risk of personal information exposure to the means and the need for cashing is eliminated, and it is possible to escape the inconvenience, cost and time and space constraints related to the collection and payment of product information. In addition, since all the loan relationships between the e-commerce parties can be terminated in real time through the system of the present invention, the speed of the material circulation is dramatically increased through the improvement and activation of the reliability of the e-commerce.

In addition, since the server-client e-commerce system according to the present invention is a system for the checker owners, not the end consumers, it has the effect of promoting the circulation of goods in the wholesale stage, which has a high economic ripple effect, and the checker owners have a one-line operation. Instead of doing off-line sales, the present invention has the effect of providing a method and apparatus that can combine on-line sales and off-line sales, and the checker owner is the economic entity that controls the flow of the real market and the checker Since e is the point of contact, the e-commerce system using the checker has the effect of providing the opportunity to process the grafting between the real and finance in real time.

Claims (3)

In the e-commerce card checker, Processor, A card reading unit generating a card reading signal according to card reading and transmitting the card reading signal to the processor; A key input device which generates a key input signal according to a key input and transmits the key input signal to the processor; A screen display device for displaying an input screen for displaying an item requiring input through the key input device or an output screen for displaying a processing result of the processor according to the processing of the processor; A communication device for connecting the card checker to an external communication network under control of the processor; Is connected to the processor, and includes a memory for storing the card inquiry processing program, PC communication program, PC purchase order program, PC banking program, When the card reading signal is input through the card reader, the processor calls the card inquiry processing program to perform card inquiry processing. When a predetermined key input signal is input through the key input device, the PC communication program and the PC are executed. Card checker, characterized in that to call the purchase order program and / or PC banking program to perform the PC order and / or PC banking process. In the electronic commerce method using a card checker according to claim 1, Receiving the order contents including the quantity, product name, price, company, code from the card checker; Outputting the order to the server of the e-commerce company; Receiving an order result from the server of the electronic commerce company; And outputting the order result to the card checker. A method of making an electronic payment using a card checker according to claim 1, the method comprising: a withdrawal account number for designating a withdrawal account from the card check size, a general purpose PIN number, a deposit account number for designating a deposit account, and the deposit account from the withdrawal account; Receiving the transfer contents including the amount to be transferred to, Outputting the transfer contents to a computer server of a bank; Receiving a transfer result from the computer server of the bank; And outputting the result of the transfer to the card size checker.