KR20020020769A - The purchasing system used by writable customer card and the purchasing method - Google Patents

Abstract

PURPOSE: A system and method for purchasing products is provided for a customer to make a booking for purchasing a product through an Internet shopping mall when connecting and executing a recordable customer card in a card terminal, and to download purchasing related information through an operation of a server by enabling the user to confirm the product and pay the price using the card. CONSTITUTION: A host server(110) receives items for booking for purchasing a product of a customer. The host server(110) transmits related contents to a card terminal. In addition, the host server(110) stores purchasing items and payment items of the customer. The card terminal capable of executing the customer card is connected to a customer computer(120). The customer connects to a shopping mall server(130) and a card company server(140) including the host server(110) through the customer computer(120). The shopping mall server(130) makes databases based on catalogs of products for Internet shopping and displays the catalogs on the Internet. The card company server(140) is connected to the customer computer(120), the shopping mall server(130). In addition, the card company server(140) authenticates a payment of the customer's bill.

Description

The purchasing system used by writable customer card and the purchasing method}

The present invention relates to electronic commerce, and in detail, a customer records a customer's recordable customer card on the card terminal, and reserves a purchase through internet shopping and sends information related to the customer card to the customer card through the operation of the server. By using the recordable customer card, you can check the quality of the goods in the process of receiving the goods from the courier at a later time and pay them by using the customer card. It provides an object purchasing system and a method thereof.

With the development of the Internet and electronic communication technology, the concept of commerce is changing. In particular, the development of the Internet is changing the development of life patterns and technologies.

Unlike traditional commerce, which obtains information through video media such as TVs and newspapers, and various advertisements, and buys and sells products in direct contact with people, EC (Electronic Commerce, E-Commerce.) Is a computer and network. It refers to the act of buying and selling goods through an electronic medium, which can be defined as the electronic processing of all transactions between a company and a person.

However, with the development of communication technology and the Internet, it is not easy to simply define the concept of e-commerce. For this reason, the concept of e-commerce varies slightly among scholars, but the basic contents include concepts such as online networks and the Internet. In addition, the definition of electronic commerce may be defined by various concepts depending on each institution and the type of business and products.

It also means delivering or paying for information and goods services using telephones, computer networks, the Internet, and other means of communication. Such e-commerce is the acquisition and provision of goods and information using the Internet and other on-line services, which enables companies and consumers to reduce service costs while improving product quality and providing fast and accurate services. There is an advantage.

There are many forms of e-commerce, so EC (B-to-B, B2B; Business-to-Business) between companies and enterprises, EC (B-to-C, B2C; Business-to-Customer), EC between business and government (B-to-G, B2G; Business-to-Government), EC between government and individual (G-to-C, G2C; Government-to-Customer), mixed EC between business and individual (B -to-B-to-C, B2B2C; Business-Business-Customer). Among these, representative electronic commerce can be referred to as B2B (Business to Business) and B2C (Business to Consumer).

B2C (E-Commerce between Business and Consumer) is an electronic commerce that is at the core of the development of the Internet, and deals with individual consumers through Internet shopping malls or electronic payments. The B2C developed rapidly as Internet usage began to spread to the general public, and has emerged under various names such as internet shopping malls, electronic retailing, virtual storefront, and on-line shop. .

B2C using the Internet enables companies to collect information about consumers in real time, and immediately finds consumers' tastes and improves consumer service and promotes sales by providing differentiated services for each consumer in Internet shopping malls. In addition, orders and goods delivery related documents can be processed electronically, and payments can be made on-line at the same time as the purchase has the advantage of reducing errors and significantly reduce the overall transaction processing time than conventional commerce.

However, as well as the advantages of such e-commerce, there are also problems and negative movements from consumers. That is, in the case of general e-commerce, since consumers pay for the goods while purchasing the goods online, more and more consumers receive abnormal goods in the future, and negative images are generated in the entire e-commerce. It is also common to cause distrust between e-commerce companies and consumers due to problems such as loss or partial damage in the delivery of purchased goods.

In addition, online purchases are related to the security issues of the network, which is why consumers are not greedy. These security and payment issues have many problems that need to be resolved for the development of technology and the activation of e-commerce. There is this.

Therefore, the purpose of this method for solving the above-mentioned problems is to reserve the purchase of goods through the Internet shopping in the state in which the record type customer card that the customer has access to the card terminal and the purchase related information through the operation of the server Recorded customer card, which can be downloaded to the card and can be purchased with confidence and responsibility between the customer and the sales company by confirming whether there is a defect in the process of receiving the goods from the courier at the same time and paying it directly using the customer card. To provide a description of a product purchasing system and methods using the same.

To do this, it is necessary to apply a recordable customer card appropriately for the internet shopping process, and to apply a payment process to solve security problems such as hacking and to build trust among customers.

1 is a view for explaining a product purchasing system using a record type customer card according to an embodiment of the present invention.

2 is a block diagram of a product purchase system using a recordable customer card according to FIG.

Figure 3 is a flow chart (flow chart) of a product purchase method using a recordable customer card according to the present invention.

4 is a view showing a record type customer card according to an embodiment of the present invention.

<Description of Symbols for Major Parts of Drawings>

110: host server 120: customer computer

130: shopping mall server 140: card company server

200: customer card

The object purchasing system using the recordable customer card of the present method for achieving the above object, in the purchase of goods through Internet shopping,

With the card terminal that executes the customer card connected and connected, the customer computer that performs customer authentication and purchase reservation for the purchase of goods through internet shopping, and the database of multiple items for internet shopping It is a shopping mall server that makes a reservation for customer's purchase of goods through the customer computer and displays the database, a card company server that approves the use of customer card and payment of goods price, and a network between the customer computer and the shopping mall server and card company server. It is configured to include a host server that proceeds to make a purchase reservation of the goods, to send the goods purchase reservation history to record on the customer card, and to database the customer purchase history.

In addition, the object of the purchase method of using the record-type customer card of the present method to achieve another object,

(1) the process of authenticating from the host server through a PKI (public key) based certificate installed on the customer card, (2) the process of making reservations for purchases by connecting to an Internet shopping mall, and (3) The process of transferring the purchase reservation contents to the host database and sending the database contents and the purchase reservation details of the goods to the customer card, recording the contents of the purchase reservation to the customer, and (5) It includes a process of databaseing payment and receipt of the goods delivered.

With reference to the drawings will be described in detail the goods purchase system and method using a recordable customer card according to the present invention.

1 is a view for explaining a product purchasing system using a recordable customer card according to an embodiment of the present invention, Figure 2 is a block diagram of a product purchasing system according to FIG.

As shown, the goods purchase system using a recordable customer card according to an embodiment of the present invention is a customer computer 120, shopping mall server 130 and the card company server 140 around the host server 110; It is configured to include.

First, the customer card used in this embodiment is a card capable of recording and erasing various kinds of data, and is a conventional MS (Magnetic Stripe Magnetic Stripe) type credit card, RF type transportation card, IC chip type IC money. And a COMBI card or hybrid smart card that combines both data recording and storage functions. Therefore, the customer card of this embodiment can use IC chip (Integrated Circuit (electronic money, medical insurance card, other application, database)), MS (Magnetic stripe: credit, debit card), RF (Radio Frequency: transportation card) Can be.

In addition, this customer card is equipped with a public key infrastructure (PKI) -based certificate, which is excellent in authentication and security, and can prevent information leakage risks such as hacking caused by internet transactions. Service history, etc.), so that customers can keep a record of all transactions made through the card.

The public key infrastructure (PKI) -based algorithm structure is a complex security system that provides encryption and digital signature based on a public key.It encrypts transmitted and received data using a public key consisting of encryption and decryption keys and digital certificates. By authenticating the user through, it is possible to secure the safety and reliability of goods purchase and information distribution.

The host server 110 configures a network between the customer computer 120, the shopping mall server 130, and the card company server 140 to proceed with the customer's purchase reservation. In addition, by receiving the customer purchase reservation details of the customer from the shopping mall server 130 by itself and transmits the related information to the card terminal 125, the product purchase history is written to the customer card (write).

In addition, the host server 110 stores the data of the purchase history and payment history of the customer. Therefore, if a customer who accesses the shopping mall refuses payment or intentionally refuses the payment even if there is no defect in the delivered product, he manages the data of the transaction and prepares the customer's reliability and provides it to the shopping mall. . Therefore, the shopping mall server 130 may increase the stability of the post-payment transaction by preventing the bad customer transaction in advance through the customer reliability data provided from the host server 110.

The host server 110 is operated by a service provider that provides a specific service. Examples of the host server 110 may include a value-added service provider (VAN company) and a payment gateway (PG) service provider.

The customer computer 120 is connected to the card terminal 125 for executing and connecting the customer card is connected to the Internet. The customer connects to the shopping mall server 130 and the card company server 140 including the host server 110 through the customer computer 120, and performs customer authentication and purchase reservation for the purchase of goods through internet shopping. Done.

The shopping mall server 130 displays a list of a plurality of items for internet shopping and displays them on the Internet. In addition, the customer proceeds to purchase the goods to be carried out through the customer computer 120 and the database of these contents.

Finally, the card company server 140 is connected to the customer computer 120, the shopping mall server 130 and the card company server 140 around the host server 120, the use and goods of the customer card in the process of purchasing the goods You will approve payment.

3 is a flow chart of a product purchase method using a recordable customer card according to the present invention.

The article purchasing method according to the present embodiment can be largely divided into five processes.

First, in the state of executing the customer card on the card terminal 125, the first process of authenticating from the host server through the PKI (public key) based certificate mounted on the customer card is carried out.

The card terminal 125 is connected to the customer computer 120 in this embodiment, and the customer operates the card terminal 125 after inserting the customer card into the card terminal 125 [S302]. Thereafter, the host computer 110 is connected to the Internet to which the customer computer 120, the shopping mall server 130, and the card company server 140 are connected [S304].

Next, as the second step of the present embodiment, after the use of the customer card is authenticated, the user accesses the Internet shopping mall and performs a reservation for purchasing the item to be purchased.

That is, when the customer accesses the shopping mall site after completing the connection to the Internet, the host server 110 also recognizes the connection state [S306].

After that, the host server 110 stores data of purchase history and payment history of the customer. Therefore, there is a case in which the customer accessing the shopping mall refuses to pay even if the defective product is delivered or if the credit card is a bad creditor such as the result of the check through the card company server 140, the shopping mall server 130 determines whether the customer can shop. Notify and back to the corresponding customer [S308 '], if there is no abnormality proceeds with the normal shopping procedure [308].

In addition, in this step [S308], when the customer first visits the shopping mall, the host server 110 reads the credit card information stored in the MS portion of the customer's hybrid smart card and transmits it to the card company, the card company is stored Receives information such as customer's real name, place of residence, overdue records, transmits them to the shopping mall, and records them on the customer card. Therefore, in a subsequent step, the shopping mall server 130 may increase the stability of the post-payment goods purchase system transaction according to the present embodiment by preventing the bad customer's transaction in advance through the customer reliability data.

After that, the customer makes a reservation to purchase necessary items [S310]. In this embodiment, since the recordable customer card is used, the purchase reservation of the goods is easily performed. That is, when the customer presses 'purchase purchase' displayed on the goods, the shopping mall server 130 stores information on the goods in the database and reserves the purchase of the goods.

After the second process (2) is completed, the third process of transmitting the purchase reservation contents of the article to the host server 110 and transferring the database contents and the purchase reservation details of the article to the customer card is recorded. .

That is, the purchase reservation information of the customer database stored in the shopping mall server 130 is transmitted to the host server 110 [S312]. Subsequently, the host server 110 writes the purchase reservation information into the customer card inserted in the card terminal 125 connected to the customer computer 120 [S314].

Thereafter, the fourth process of transferring the goods reserved for purchase to the customer is carried out. In this process, the goods reserved for purchase are transferred to the corresponding customer through courier service, etc. [S316].

After that, the process of (5) of database of payment and receipt of payment of the last delivered goods proceeds.

In other words, the customer checks whether the delivered goods are defective or not [S318]. If the delivered goods are defective, the customer can take the relevant measures such as rejecting the receipt of the goods and requesting redistribution [S318 '. ]. In addition, unlike the prior art, only the reservation is made, but the payment is not made, so no cumbersome procedures such as a refund action are required.

If the goods are not abnormal, the customer pays for the goods using the customer card, etc. [S320]. Since the courier basically has a mobile card terminal, payment can be carried out through such a mobile terminal, as well as through a card terminal 125 connected to the customer computer.

As described above, the customer card of the present embodiment can record information on a purchase reservation and the like, and the content of the customer's purchase reservation of the corresponding item is recorded in the customer card. Therefore, payment is possible without a direct connection to the Internet through a mobile terminal, as will be described later, but because the customer card is a record-type security is thoroughly maintained, it is very useful for payment as well as payment is possible. In addition, payment of goods can be made using the customer card according to the present embodiment, cash or another credit card.

And the content thus paid is moved to the host server 110 and the database [S322]. Of course, there is a defect in the delivered goods, the delivery of the goods is refused or the delivery problems such as redistribution, such as a situation that failed to deliver is also a database. In addition, the contents of the database of the payment history is also transmitted to the shopping mall server 130, the card company server 140, etc. of the sales company to grasp the relevant details, the goods purchase process according to the present embodiment is completed.

5 is a view showing a record type customer card according to an embodiment of the present invention.

As shown, the customer card according to the present embodiment has a built-in IC chip 201 capable of recording desired information in the center thereof, and the periphery 202 is a connection capable of applying a signal to the IC chip. It is a terminal.

As described above, the recordable customer card used in the present embodiment maintains the highest security, thereby contributing to the customer to restore the reliability of online shopping. In other words, an IC chip is embedded in a recordable card such as a smart card, and the IC chip can be encrypted by using a plurality of keys, thereby fundamentally blocking access or information leakage by hacking. . The lack of access to smart cards so far is evidence of how strong a recordable card, such as a smart card, is. Thus, this enhanced security benefits both the vendor and the customer.

In addition, the management of the customer through the record card has a number of advantages to the management of the sales company. In the present invention, since the sales company has disadvantages due to the advance delivery of the goods, when the customer does not purchase even if the defective goods are delivered, the shopping mall is damaged accordingly.

However, using the recordable customer card of the present embodiment, the host server 110 presides over the shopping, and the details of the purchase process of the goods are recorded in the customer card, and the customer refuses to receive the defective goods. If the host server 110, the related content is left in the database, so that when you purchase the goods later, you will receive disadvantages such as restriction of the item or purchase impossibility.

In addition, it supports immediate inquiry. In other words, since such a bad credit history can be confirmed anywhere with only a customer card, convenience may be increased in terms of management of the sales company. In addition, the credit rating of the customer has the advantage that can be used to provide a variety of services in the future. In other words, the sales company will use the high-credit consumer to provide corresponding services and giveaways.

In addition, when using a smart card, which is a recordable customer card, it operates stably on various cross-platforms. Therefore, its application is remarkable because it can use not only a general PC such as the customer computer 120, but also various PDA terminals and mobile phones. To increase.

One of the important concepts in the present invention is that consumers can achieve complete reliability in the process of purchasing necessary items. In other words, building trust with consumers is an important issue that cannot be replaced with anything in the sale of goods, and advertising about a product or company is also important for selling goods, but it is often done to achieve more than the trust and image of the company. . Therefore, companies that sell goods invest a lot of money to improve their corporate image beyond advertising on the goods, and it is also essential to instill confidence in consumers to buy their products through such investment. will be.

The present invention can be said to be a sales method based on the trust in the sales company and the sales process, which solved the problem of distrust between the customer and the seller, which was the most difficult in the process of purchasing the goods online. In other words, when a consumer purchases a necessary item online or offline, the reserved item is eventually delivered to the consumer through a number of processes. In the sale of a conventional article, the consumer had to pay for the purchase price first while purchasing the necessary article. However, in the present invention, since the purchase reservation is directly checked in the home or office, if there is no defect in the goods, the corresponding goods are paid for, so that the purchase process of the goods made at the meeting between the seller and the consumer in a large department store, shopping mall, and each dealership It can be said that the sales method moved to the place desired by the consumer. Therefore, there is no problem caused by the prepayment of the conventional goods price and consumers can buy goods with confidence. In addition, when purchasing goods according to the present invention there is no problem of defects, delivery problems, etc. that can occur in the process of transporting the goods, it is a way to change the concept of commerce by creating a climate in which the seller of goods is responsible. can do. The first thing a business can get through this responsible sales process is to build credibility for the company, which is an asset that cannot be replaced with anything else. And this is the basis for higher sales.

In addition, the present invention can reduce the place, space, and the like to sell the goods, it is possible to improve the competitiveness of management. In other words, in the past, a place such as an agency for selling goods was required, and a space of a certain area for displaying and displaying goods was required. However, in the present invention, since the display of goods is performed online, it is necessary to provide a dealer at a high cost. There is no need to do it. In addition, there is no need to set up a storage place, such as a warehouse where a lot of things should be stored.

In addition, the card used by the customer can use a credit card company that is in the market, so there is no additional card issuance cost, and it supports comprehensively the monetary means such as credit, debit, and electronic money, and uses the card. Since it is recorded in the memorandum between the shopping mall / card company / customer about the error payment has the advantage.

Therefore, it is possible to provide such a good quality of goods at a lower cost by saving such costs, and ultimately, by returning the profits resulting from the cost reduction to the consumers, the consumers can purchase the goods with greater confidence and satisfaction with the corresponding companies.

This method uses a recordable card that records customer's personal information and purchase information, so that customers can directly check and pay for the goods they have reserved for purchase on the Internet. There is a convenience to solve the anxiety, such as fraudulent transactions or delivery of defective goods at a time, and do not have to go through a refund procedure when canceling and returning the order. In addition, the shopping mall can check the real name information and residential information of the customer recorded on the card, and can improve the stability of the transaction because the customer can make a transaction after checking the reliability of the customer from the host server.

In addition, the customer card of the present invention is equipped with a PKI (public key) -based certificate is excellent in authentication and security, to prevent the risk of information leakage, such as hacking due to Internet transactions. In addition, all applications that can be installed on the card (Loyalty service) can be installed and executed, and the payment history after purchase is recorded on the customer card, so that the receipt of the details can be checked, so that the efficiency of the purchase can be improved.

Claims (6)

In the purchase of the thing through the internet shopping, A customer computer that connects and connects a card terminal that executes a customer card, and performs customer authentication and purchase reservation of goods to purchase goods through Internet shopping; A shopping mall server configured to display a database of a plurality of items for internet shopping and display them on the Internet, and to make a reservation for purchasing goods of the customer through the customer computer; A card company server approving the use of the customer card and payment of goods; And And a host server configured to construct a network between the customer computer, a shopping mall server, and a card company server, to proceed with the purchase purchase reservation of the customer, transmit the purchase purchase details for recording on the customer card, and database the purchase history of the customer. The purchase system using a recordable customer card, characterized in that. In the purchase of the thing through the internet shopping, (1) a process of authenticating from the host server through a PKI (public key) based certificate mounted on the customer card; (2) a process of making a reservation for purchasing a product to be purchased by accessing an internet shopping mall after the authentication; (3) transferring the purchase reservation contents of the goods to the host server and recording the database, and transmitting the database contents and the purchase reservation details of the goods to the customer card; (4) transferring the goods reserved for purchase to a customer; And, (5) a method of purchasing goods using a recordable customer card, comprising the step of databaseing payment and receipt details of the price of the delivered goods. The method of claim 1 or 2, wherein the customer card And a smart card capable of recording personal information and purchase information of a customer with an IC chip embedded therein. The method of claim 1 or 2, wherein the customer card It is possible to perform at least one or more of a magnetic stripe (MS) function that can be credited and debited, a radio frequency (RF) function of a traffic card type, and a general IC chip in which information about the customer is databased. Purchasing system and method using a credit card. According to claim 1, wherein the product purchase system Item for using the recordable customer card, characterized in that it further comprises a mobile card terminal for carrying the customer card, carried by the delivery person of the purchase-reserved goods for payment of the customer after the goods delivery to the customer Purchasing system. The method of claim 2, wherein the step (5) The purchase-reserved article delivery agent carrying a portable mobile card terminal further comprising the step of performing a payment after the goods delivery to the customer, the article purchase method using a recordable customer card.