KR20020039314A - system and method for the buyer oriented electronic commerce business - Google Patents

Abstract

PURPOSE: A customized electronic commerce method is provided to remove insecurity of a consumer, inconvenience of delivery and returning, and the probability of leakage of consumer's personal and financial information. CONSTITUTION: The method comprises steps of a buyer reading the article information furnished by a seller by connecting to a seller computer and transmitting more than one of article selecting signals to the seller computer(P130), the seller computer transmitting order information, seller authentication information and/or order number to a buyer terminal and/or a BB(Business to Business) company computer system and connecting the buyer terminal to the BB company computer system for payment(P140), the BB company computer system receiving the order number and/or the order information and the seller authentication information from the buyer terminal and/or the seller terminal or generating an order number(P150), the BB company computer system receiving payment information and/or delivery information from the authenticated buyer terminal and controlling payment and delivery affairs(P180), and the BB company computer system depositing money to a financial organization appointed by the seller(P200).

Description

Buyer-centered e-commerce system and method {system and method for the buyer oriented electronic commerce business}

The present invention relates to an electronic commerce technology. Specifically, the present invention proposes a solution for real protection of the interests of buyers remaining unsolved in the conventional electronic commerce and the establishment of a buyer's trust in electronic commerce. The present invention relates to a buyer-centered e-commerce system construction model and its business method that protect rights and interests beyond the level of offline commerce and secure e-commerce transactions more than offline. In the well-known technology, the payment of goods which the third party pays in advance to the seller in order to secure the interests of the buyer and the seller's interests through the involvement of the payment company, which is a third party, in the e-commerce between the buyer and the e-shop (seller). After storing the product, the buyer pays only for the actual seller's delivery behavior on behalf of the buyer, and for the seller, the buyer can receive the payment after the order is delivered to the buyer. Various technologies have been developed and filed with patents. In addition, technologies such as authentication of transaction parties and transaction data, encryption of payment information, and hacking prevention system have been developed and implemented in order to secure transaction security, buyer protection, and buyer trust in electronic commerce. Nevertheless, buyers 'trust in e-commerce and buyers' trust in transaction safety is not the same as offline commerce, which is the biggest obstacle to the activation of e-commerce. For this reason, not only the large companies dominate the market in the e-commerce industry, but the bigger problem is that the small and medium-sized companies are also seriously threatened. The main reasons for this are the failure of individual e-commerce buyers to protect the rights of buyers, anxiety about dealing with small- and medium-sized e-commerce companies, inconveniences in taking over and returning goods, buyers' leaks of personal information and financial information. It is analyzed that it is caused by concern. For this reason, a new method of e-commerce system and its business can promote the stability and convenience of transactions, and enable small and medium-sized e-commerce companies to gain the trust of buyers beyond the large companies. There is an urgent need for the development of methods.

The present invention is to the above problems raised in the prior art in e-commerce, that is, buyers lack protection, buyer anxiety about transactions with small and medium-sized companies, delivery and return inconvenience, buyer personal information and financial information leakage The goal is to propose more advanced technologies that can address concerns.

The technical problem of the present invention for the above object is to provide a technology that allows a buyer to make e-commerce even if the seller provides only the product selection information.

Another technical problem of the present invention for the above object is to provide a technology that allows buyers to conduct electronic commerce without registering membership in the seller electronic store.

Another technical problem of the present invention for the above object is to provide a technology that allows buyers to conduct electronic commerce without authentication in the seller electronic store.

Another technical problem of the present invention for the above object is to provide a technology that allows a buyer to register as a member even when providing a minimum information when registering as a member in the seller electronic store.

Another technical problem of the present invention for the above object is to provide a technology that allows a buyer to make a credit transaction without providing as much personal information as in the prior art in performing a credit transaction with a seller electronic store.

Another technical problem of the present invention for this purpose is to provide a technology that allows the buyer to be quickly compensated by a third party for damages incurred in the transaction with the merchant electronic store.

Another technical problem of the present invention for the above object is to provide a technology that can protect the buyer's interests more than in the prior art without expensive costs when the seller builds a system for electronic commerce.

Another technical problem of the present invention for the above object is to provide a technology that allows a small seller electronic store to obtain the buyer credit of the above-listed e-store.

To this end, in the present specification, the buyer's rights protection agency, credit guarantee for the e-commerce business operators (hereinafter referred to as "seller") in the e-commerce system according to the prior art formed between the buyer and the seller, the buyer's and seller's certification, dispute Establishment of a buyer-centered e-commerce system that enables efficient handling of arbitration, delivery and return processing, refund agency, payment agency, purchaser's personal information and financial information on behalf of e-shop operators in order to protect buyer's rights and Present the business method.

1 is a summary of the problems of the prior art and the solution in the present invention.

Figure 2 is a schematic diagram of the overall system configuration and operation of the first embodiment of the present invention;

3A and 3B are a process flowchart of the first embodiment of the present invention.

Figure 4 is a block diagram of the main system configuration of the present invention

5 is an example of a web page for order confirmation and payment

6 is an example of online order payment confirmation form

7 is an example of online order delivery form form

8 is an example of online order goods delivery form

9 is a schematic diagram of the configuration and operation of the whole system of a second embodiment of the present invention.

10 is a billing and delivery process according to the second embodiment of the present invention

SUMMARY OF THE INVENTION The gist of the present invention is to intervene a third party in the process of e-commerce of the prior art, which is formed between the buyer and the seller, to allow the third party to act as part of the delivery, the buyer's certification, the seller's credit guarantee, For the buyer's interest, the buyer's convenience and delivery of credit and the guarantee of the buyer's personal information and payment information, the return processing, the refund, the buyer's credit guarantee, etc. It provides the convenience of improvement and payment, and enables buyers to promptly handle returns and refunds, and to promptly deal with buyers without going through consumer protection groups in case of disputes with sellers. In addition, when a buyer registers personal information and payment information only once with a third party (hereinafter referred to as "BuyerBank", "BB" or "BB company") of the present invention, the personal information and payment information in the case of electronic commerce with an individual seller There is no need to provide, and because the buyer's personal information and payment information provided to the BB company is integrated and managed by a professional security system, the buyer can more safely e-commerce in the known technology. As a result, the seller can obtain the trust of buyers more than any other conventional companies by simply signing an agency agreement with BB and then displaying the BB certification mark on the e-shop and linking the payment to be processed by BB's payment system. Can be. For this reason, as in the practice of the prior art, the seller may not be disadvantaged from the competition with the waiting company by receiving the distrust of the buyer simply because of the small business. As a result of the practice of the present invention, the buyer's distrust and anxiety with respect to e-commerce can generally be less than offline, thereby enabling the e-commerce industry to become active and thereby providing more convenience and economic benefits to the buyer than in the prior art. Can have

One embodiment of the present invention, in the e-commerce method,

The buyer can provide an e-commerce transaction even if the seller provides only the product selection signal,

BB computer system including one or more delivery center terminals connected to a wired / wireless network, including means for signing a business agreement with BB, indicating that the authentication information is registered in the BB computer system and is a BB cooperative electronic store. One or more seller computers and authentication information connected to a wired / wireless communication network, which is executed through an electronic commerce system including one or more buyer terminals connected to the wired / wireless communication network registered in the BB company computer system,

(a) the purchaser accessing the seller computer through the terminal to read the product information provided by the seller, and then transmitting one or more product selection signals to the seller computer;

(b) the seller computer generates order information and seller authentication information or / and order number corresponding to the received product selection signal and transmits them to the buyer terminal or / and BB computer system and pays the buyer for payment; Connecting the terminal to the BB computer system;

(c) receiving, by the BB computer system, the order number and / or the order information and the seller authentication information from the buyer terminal or the seller computer, and generating an order number if the order number is not present;

(d) receiving, by the BB company computer system, payment information and / or delivery information corresponding to the order number from an authorized purchaser terminal and controlling payment and delivery services corresponding thereto; And

(e) calculating, by the BB computer system, the agency expenses from the deposited product price and depositing the amount excluding this amount into a financial institution designated by the seller; Buyer-centered e-commerce method comprising a.

Another embodiment of the present invention, in the e-commerce method,

The buyer can provide an e-commerce transaction even if the seller provides only the product selection signal,

BB computer system including one or more delivery center terminals connected to a wired / wireless network, including means for signing a business agreement with BB, indicating that the authentication information is registered in the BB computer system and is a BB cooperative electronic store. One or more seller computers and authentication information connected to a wired / wireless communication network, which is executed through an electronic commerce system including one or more buyer terminals connected to the wired / wireless communication network registered in the BB company computer system,

(a) the purchaser accessing the seller computer through the terminal to read the product information provided by the seller, and then transmitting one or more product selection signals to the seller computer;

(b) the seller computer generates the order information corresponding to the product selection signal received from the purchaser terminal and an order number for identifying the order information, and transmits the order information to the BB computer system together with the seller authentication information. Providing a number;

(c) the seller computer connecting the purchaser terminal to the BB computer system for payment;

(d) The BB computer system receives the order number from the purchaser terminal, authenticates the payment information and / or the delivery information corresponding to the order number, and then controls the corresponding payment and delivery service. step; And

(e) calculating, by the BB computer system, the agency expenses from the deposited product price and depositing the amount excluding this amount into a financial institution designated by the seller; Buyer-centered e-commerce method comprising a.

Yet another embodiment of the present invention provides an electronic commerce method.

The buyer can provide an e-commerce transaction even if the seller provides only the product selection signal,

BB computer system including one or more delivery center terminals connected to the wired / wireless communication network, including means for signing a business agreement with BB, indicating that the authentication information is registered in the BB computer system and is a BB cooperative electronic store. One or more seller computers and authentication information connected to a wired / wireless communication network are executed through an electronic commerce system including one or more buyer terminals connected to the wired / wireless communication network registered in the BB company computer system.

(a) the purchaser accessing the seller computer through the terminal to read the product information provided by the seller, and then transmitting one or more product selection signals to the seller computer;

(b) the seller computer generates order information and seller authentication information and / or order number corresponding to the product selection signal received from the buyer terminal, transmits the order information to the buyer terminal, and transfers the buyer terminal to the buyer terminal for payment; Connecting to a computer system;

(c) receiving, by the BB company computer system, the order information and the seller authentication information or / and the order number from the buyer terminal, and generating and storing the order number if there is no order number;

(d) receiving, by the BB company computer system, payment information and / or delivery information corresponding to the order number from an authorized purchaser terminal and controlling payment and delivery services corresponding thereto; And

(e) calculating, by the BB computer system, the agency expenses from the deposited product price and depositing the amount excluding this amount into a financial institution designated by the seller; Buyer-centered e-commerce method comprising a.

Each of the above methods, the BB computer system, the function of returning the delivered goods, return of the returned goods, compensation for the buyer's damages, settlement of disputes between the buyer and the seller or / and authentication of the transaction facts Transmitting / receiving information for performance; It is preferable to further include.

Each of the above methods, when the BB computer system is required, issues an electronic certificate to a registered purchaser terminal, a seller computer, and / or a delivery center terminal, evaluates and manages the credit of the buyer and the seller, and / or sends it to the seller computer. Preferably, the method further includes providing a program module related to the performance of the present invention.

Each method may include providing the requested information if the buyer is an authenticated member when the cooperative seller computer requests to provide the purchaser information as a member based on the information provided by the BB company computer system; It is preferable to further include.

Each method may include providing credit information to another operator's computer based on the constructed personal information and credit rating information; It is preferable to further include.

Each method comprises the steps of providing a purchaser terminal with a cooperative seller electronic store homepage link means and / or search means; It is preferable to further include.

Another embodiment of the present invention, in the e-commerce system,

The buyer can provide an e-commerce transaction even if the seller provides only the product selection signal,

A BB computer system including one or more delivery center terminals, a plurality of devices networked over a wired / wireless network including one or more vendor computers and one or more buyer terminals,

The seller computer, the BB company certification mark (s212) indicating that the BB company is in a business cooperation relationship, the database means for managing a database including the product information provided to the buyer, the product selection signal transmitted by the buyer Order information transmission means for generating corresponding order information and seller authentication information or / and order number to the buyer terminal or / and BB computer system (s214), the purchaser terminal for payment of the BB computer system A BB payment means connection means s215 for connecting to the payment means and an electronic store homepage s213 for performing an electronic store function; It is configured to include,

The BB computer system is a database means for managing buyer information, seller information, delivery center information and order information, registration means for registering the buyer information, seller information, delivery center information and control the corresponding tasks (s514), Authorization means (s512) for authenticating the identity of the registered member and / or authenticating the transaction facts using data constructed in the course of business processing, order number or / and order information and seller authentication from the buyer or seller. Order information receiving means for receiving information, but if there is no order number generating order number (s515), payment means for receiving payment information and shipping information corresponding to the order number from the authorized buyer and control the corresponding work ( s516), a delivery means for controlling the work required for the delivery of the ordered goods (s517), except for this by calculating the agency costs from the price of the goods received It is a buyer-centered e-commerce system, characterized in that it comprises a; payment settlement means for depositing the amount to the financial institution designated by the seller (s518).

Another embodiment of the present invention, in the e-commerce system,

The buyer can provide an e-commerce transaction even if the seller provides only the product selection signal,

A BB computer system including one or more delivery center terminals, a plurality of devices networked with wired / wireless communication networks including one or more seller computers and one or more purchaser terminals,

The seller computer, BB company certification mark (s212) indicating that the BB company is in a business cooperation relationship, database means for providing product information to the buyer terminal and receiving and managing product selection information from the buyer terminal, buyer terminal Order information transmission means for generating the order information and the order number identifying the order information corresponding to the product selection signal received from the BB company computer system with the seller authentication information, and also transmits the order number to the buyer terminal (s214). ), BB payment means connection means (s215) for connecting the purchaser terminal to the payment means of the computer system BB for payment, and an electronic store homepage (s213) that performs an electronic store function; It is configured to include,

The BB computer system, through the electronic commerce formed between the buyer terminal and the seller computer, the authentication of the seller, the buyer and the delivery center or / and the authentication of the transaction facts, payment of the ordered goods, delivery, settlement of the transaction price A computer system of a third party company composed of a plurality of computer devices that transmit / receive signals for performing a function,

Database means for managing buyer information, seller information, delivery center information and order information, registration means for registering the buyer information, seller information, delivery center information and controlling the corresponding work (s514), identity verification of registered members And / or authentication means (s512) for authenticating the transaction facts using the data established in the process of processing, order information receiving means (s515) for receiving the order information transmitted from the seller, and the order number from the purchaser terminal. Payment means for receiving and verifying payment information and delivery information corresponding to the order number through the authentication (s516), shipping means for controlling the work required for the delivery of the ordered goods (s517), deposit A payment settlement means (s518) that calculates an agency cost from the received product price and deposits the amount excluding this amount to a financial institution designated by the seller; Open a buyer centric e-commerce system being configured.

Another embodiment of the present invention, in the e-commerce system,

The buyer can provide an e-commerce transaction even if the seller provides only the product selection signal,

A BB computer system including one or more delivery center terminals, a plurality of devices networked with wired / wireless communication networks including one or more seller computers and one or more purchaser terminals,

The seller computer corresponds to a BB company certification mark (s212) indicating that the BB company is in a business cooperation relationship, database means for managing a database including product information provided to the buyer, and a product selection signal transmitted by the buyer. Order information and seller authentication information or / and order number to be generated and sent to the buyer terminal order information transmission means (s214), BB payment connecting the buyer terminal to the payment means of the computer system BB for payment An electronic store homepage s213 which performs a means connecting means s215 and an electronic store function; It is configured to include,

The BB computer system, through the electronic commerce formed between the buyer terminal and the seller computer, the authentication of the seller, the buyer and the delivery center or / and the authentication of the transaction facts, payment of the ordered goods, delivery, settlement of the transaction price A computer system of a third party company composed of a plurality of computer devices that transmit / receive signals for performing a function,

Database means for managing buyer information, seller information, delivery center information and order information, registration means for registering the buyer information, seller information, delivery center information and controlling the corresponding work (s514), identity verification of registered members And / or authentication means (s512) for authenticating the transaction facts using the data established in the course of business process, and receiving order information and seller authentication information or / and order number from the buyer, if there is no order number After creating and storing together and providing the order number to the payment means (s516) (s516) order information receiving means (s515), receiving payment information and shipping information corresponding to the order number from the authorized buyer terminal and the corresponding tasks The payment means for controlling (s516), the delivery means for controlling the work required for the delivery of the ordered goods (s517), the agency costs in the payment of the goods received Cash Settlement means to deposit the amount to the mountains than it is a financial institution specified by the seller (s518); buyers are the center of the e-commerce system being configured to include a.

Another embodiment of the present invention, in the e-commerce system,

The system is characterized in that the buyer can perform electronic commerce even if the seller provides only the product selection signal,

A plurality of devices networked in a wired / wireless communication network including a control server, one or more vendor computers and one or more purchaser terminals,

The merchant computer is an electronic store server that performs an electronic store function. The merchant computer provides product information to a means for displaying a business cooperation relationship with the BB company and a connected buyer terminal, and receives a product selection signal from the terminal. Means for generating order information, seller authentication information and / or order number corresponding to the received product selection signal and transmitting the order information to the purchaser terminal or / and the control server and connecting the purchaser terminal to the control server for payment; It includes;

The control server, through the electronic commerce formed between the buyer terminal and the seller computer, buyer information, seller information, delivery center information, order information including the order number, buyer and seller authentication information corresponding to the order number Receiving and creating and managing payment information and shipping information, authentication of sellers, buyers, delivery centers and / or transactions, provision of payment methods, delivery of ordered products, settlement of deposited goods, and delivery Processing of the returned product, function of returning the price of the returned product, compensation for damages of the buyer, resolution of disputes arising between the buyer and the seller, and registration or / and transaction information of the e-commerce members. Perform one or more of the security functions to protect information from outside intruders such as hackers and viruses A buyer center of the e-commerce system, characterized in that control means for controlling said plurality of networked devices to group.

The BB computer system in each of the systems, the security means for securely protecting the business process information including the registration information and transaction information of the e-commerce members from hackers and other external invaders and viruses (s513); It is preferable to further include.

In each of the above systems, BB's computer system is responsible for the return of the delivered goods, the return of the returned goods, the compensation for the buyer's damages, the settlement of disputes between the buyer and the seller, and / or the authentication of the transaction facts. It is preferable to further include a trader protection means (s519) for transmitting / receiving information for performing.

In each of the above systems, the registration means issues an electronic certificate to a registered buyer terminal, a seller computer, and / or a delivery center terminal, evaluates and manages the credit of the buyer and the seller, and / or the invention to the seller computer. It is preferable to include a function for providing a program module related to the execution.

In each of the above systems, the BB computer system requests information provided that the buyer is an authenticated member when the cooperative seller computer requests to provide the purchaser information as its own member based on the information provided by the BB computer system. Means for providing a; it is preferable to further include.

In each system, the system includes means for providing credit information to other operator computers based on the constructed personal information and credit rating information; It is preferable to further include.

Each system includes: means for providing a cooperative seller electronic store homepage link means and / or search means to a purchaser terminal; It is preferable to further include.

Another embodiment of the present invention,

A computer storage medium for recording a computer program product coded in a computer program language executable by a computer for a buyer-centric electronic commerce method of the present invention.

As shown in Figure 4, the BB company server (s500) and the seller server (s200) is performed as the center. For convenience of explanation, each server is illustrated and described as performing all of the functions as one server. However, when the present invention is actually practiced, a plurality of servers are provided with one or more system configuration means of each of the present invention so as to perform a shared process. desirable.

Each component (means) of the embodiments of the present invention described below are mainly described in the form of means when implemented as a system as described above in the appended claims, even if there is no separate description for the same contents, In the case of implementation, it is mainly described in the form of steps.

In addition, the method of the present invention is implemented mainly through a computer program as described above, the program is called by a central processing unit (CPU, not shown) stored in the storage device of each server including a control server The present invention is implemented by controlling each component of the present invention, including a buyer terminal connected to and loaded into the main memory (RAM, not shown).

The storage device is a computer-readable recording medium, and examples thereof include ROM, RAM, CD-ROM, magnetic tape, PROFI disk, optical data storage, flash memory, and the like. Transmission). In addition, the computer program may be stored and executed in the form of computer readable code in a distributed manner in a plurality of networked computer systems.

In this specification, the logic of the program is based on the premise that the logic of the program is mainly implemented as a web / div interworking module through a hyperlink language such as xml, html, and a programming language such as java, asp, php, or peal. It is natural that the program can be implemented in various programming languages depending on the operating environment of the server and the client device and the progress of the program technology. In addition, even when the purchaser terminal is a wireless terminal, information (content) provided from each server may be converted into a format supporting a wireless communication environment through a relay server (not shown) so that the present invention system can be used. desirable.

Hereinafter, a detailed description of the detailed configuration and operation of the present invention which can technically support the gist of the present invention described above will be described with reference to the drawings and various embodiments. However, since the implementation method proposed in each diagram and the embodiment is to enable those skilled in the art to carry out without great difficulty, the technical idea of the present invention is not limited thereto and may be variously modified and implemented by those skilled in the art. As such, they are also included in the appended claims, even if not specifically described herein. In addition, since the implementation method provided in each embodiment is provided to provide the best embodiment, the implementation method of the present invention may not include the essential components. Therefore, it will be apparent to those skilled in the art that these elements may or may not be included in the appended claims even if not specifically described herein.

1 is a summary diagram illustrating a solution of the present invention, that is, the gist of the present invention.

Hereinafter, the spirit of the present invention summarized in the above embodiment and in FIG. 1 will be described in more detail with reference to various embodiments of the drawings. In the description of the implementation of the spirit of the present invention, matters belonging to the known technology will be omitted or briefly described. In addition, the same reference numerals in each drawing shows the same component or a component performing the same function.

2 is for explaining the configuration and operation of the computer system of the first embodiment of the present invention and the process flow between each system.

According to FIG. 2, the computer system of the present invention intervenes the third party computer system s400 of the present invention in an electronic commerce formed between the purchaser terminal s100 and the seller server s200 connected to the communication network S300. It is configured to act on behalf of the seller and protect the buyer's interest for the benefit of the buyer.

The third-party computer system (s400) is a BB company server (s500), BB company's delivery center terminal, financial institution server system is connected to the wired / wireless computer network, optionally according to the implementation method server server system Is added. The delivery center terminal is based on the BB company regional delivery center terminal s561, and optionally, the BB company wide distribution center terminal s560 is added. The financial institution server system includes a buyer trading bank server s640, a BB trading bank server s650, and a seller trading bank server s660. The business cooperation institution server system includes a certification authority server s610, an insurance company server s620, and a payment company server s630. Billing company server (s630) is included in the case that BB company's payment business to act on behalf of the external company, the certification body server (s610) and insurance company server (s620) is a business cooperation agreement between the insurance company and the certification body and BB company Included according to.

Arrows in this figure show the process flow between each computer system.

The buyer (s100) connects to the seller's server through wired / wireless communication network, retrieves and orders (selects) the goods posted in the electronic store, and pays the order price through the BB company server. At least one purchaser (user) terminal provided with a computer as well as all devices that can be used for the same purpose in the present invention. The buyer searches for and selects the product information stored in the seller server s200 through the terminal, and pays the price through the server of the BB company. To this end, the BB company must first register as a member, and personal information must be registered in advance as specified in the buyer information DB (s531) of FIG. According to this figure, the buyer can know that the ordered goods can be acquired at home by the delivery of BB's regional delivery center (s561) or go to the BB's regional delivery center (s561). Or if you need to return due to the defect of the delivered goods can be requested to return at BB regional delivery center (s561). In addition, if necessary, the delivery result can be sent directly / input to the BB company server and a / s or dispute resolution can be requested through the trader protection means.

Seller (s200) posts the BB company's certification mark (s212) of the present invention on the homepage in the h / w and s / w system required in the prior art for electronic commerce, and the billing and delivery, such as the agency is handled by BB At least one seller server computer system having an order information transmitting means s214 and a BB payment means connecting means s215. To do this, the BB company must enter into a partnership agreement in advance and register the business information in the seller DB of the BB company server. Sellers include all possible forms of electronic store operators, such as Internet shopping mall operators, Internet auction brokerage firms, and traders who handle goods of department store operators and many electronic store operators from small electronic store operators such as Soho.

BB (s500) is a payment agent, authentication agent, shipping agent and seller protection agency and credit guarantee, buyers and sellers for the seller (s200) signed a cooperation (agent) agreement through the e-commerce formed between the buyer and seller One or more computer systems (s400) of a third party company that controls and transmits and receives related control signals with a networked device so that buyers can safely and conveniently conduct electronic commerce with sellers by managing and providing information. It consists of a server. In view of this, in order to successfully carry out the present invention, it is preferable that the BB company be a subsidiary company such as a financial company or a waiting company that can obtain the buyer's credit.

In addition, in connection with the implementation of the present invention, if the BB company directly operates the Internet bank, credit card company, electronic money company to attract the members (buyers) of the BB company as a customer, it can be conveniently used as a commerce payment means of the present invention.

The wired / wireless communication network (s300) includes a wired / wireless telephone network and a wired / wireless data communication network (internet, etc.), and gateway devices are installed between different networks and connected to each other.

BB's regional delivery center (s561) is a client computer of an operator who takes care of some of BB's duties such as delivering / receiving goods delivered from a seller to a buyer and / or handing over to the office, and receiving payment for goods at the buyer's option. As a terminal comprising a one or more. To this end, a delivery program transmission / reception client program module (s562) for transmitting / receiving delivery information in a client / server environment that is disclosed only to a designated delivery center operator through a delivery means (s517) of a BB company server is separately installed or It is preferable to establish a virtual private line (VPN) through the authentication process or encryption in the delivery means. The delivery center shall be installed in the form of a BB agency or branch office by examining the eligibility requirements for operators with parking facilities and delivery systems such as post offices, gas stations, convenience stores, subway parcel centers, existing logistics centers, department stores and large discount stores. It is advisable to install by buyer's residence.

The BB wide area distribution center (s560) handles the relay service of the BB company, and handles the delivery. The client computer of the operator responsible for delivering the goods received from the seller to the local delivery center of the BB company on the delivery site on behalf of the seller As a terminal comprising a one or more. This is due to the fact that small retailers are expensive and difficult to deliver small quantities of small items directly to individual BB regional delivery centers. Information required for delivery is provided by the BB company or the seller as in the regional delivery center.

As an example of the actual wide area delivery request, if the seller directly asks the regional delivery center or entrusts the item to be delivered to the regional delivery center, the regional delivery center will tour each regional delivery center, collecting the items to be delivered, and You may.

Certification body (s610), insurance company (s620), payment company (s630), buyer trading bank (s640), BB trading bank (s650), seller trading bank (s660) are generally included in the conventional e-commerce system of the prior art. This is the server computer system of the company. Among them, the BB transaction bank server, the buyer transaction bank server, and the seller transaction bank server are basically required payment server systems for implementing the present invention, and the certification authority server, the insurance company server, and the payment company server are the agency of the BB company and the company or It is added according to the business cooperation agreement.

The buyer transaction bank server s640 includes not only a bank but also a payment server system of a company related to a payment method selected when a buyer pays for a purchase price, such as a credit card company or an electronic money issuer.

In the present invention, the certification body (s610) is an authentication service based on the buyer's electronic signature data managed by the BB company in accordance with the request of the party, if a dispute arises between the buyer and the BB company regarding the buyer's product orders and electronic payment facts To provide. In addition, in the case of digital goods, disputes may arise between the buyer and the seller during the electronic delivery process, and at this time, the authentication service is provided based on the buyer's electronic signature data managed by the seller. The authentication is based on the stored certification data, but the authentication of the transaction facts, but is primarily authenticated by the BB company's own certification system, and the certification service of the external senior certification authority (s610) is used only when it is not resolved by its own certification. It is preferable.

The insurance company (s610), when BB company compensates the buyer for the seller's liability on behalf of the seller, in order to prepare for the case that the loss caused by BB company cannot be compensated by the seller due to the seller's closing of business. In addition, the insurance contract should be borne by the seller, but the insurance amount should be determined in consideration of BB's transaction guarantee amount.

FIG. 3 is for explaining in more detail the operation of the computer system of FIG. 2 of the first embodiment of the present invention described above. 2 denoted by numbers in the dashed box of FIG. 2 is for showing the contents of information transmitted / received between the respective systems and the operation sequence of each component system (hereinafter, the operation sequence of each component system in FIG. Are numbered inside)

P100 step of building a third-party computer system (s400) shown in Figures 2 and 4 to implement the present invention in BB company

This step includes the steps of recruiting the BB regional delivery center (s560) and the BB regional delivery center (s561) in the form of an agency to enter into a business agency contract, and then establish a delivery center information database (s533).

P110 step (1) in which the seller information DB (s532) is constructed while the seller registers as a cooperative seller of BB through the BB company server after the BB company and the seller enter into a business cooperation agreement;

The seller's information is registered after the BB company conducts a preliminary investigation of the seller's credit, etc., and concludes an agency contract with BB and the seller for payment and delivery.

The agency contract conditions may include the procedure of subscribing to the insurance company (s620) and guarantee insurance in proportion to the amount of the transaction deposit in a fixed period at the seller's expense in order to secure BB's damages caused by the seller's business.

After the seller registers the information required by the seller information DB of the BB company server through the above steps, the seller places the BB certification mark on the homepage of the electronic store so that the buyer knows that he is in a cooperative relationship with the BB company. When applying for payment after ordering, the electronic store homepage (s213) should be provided with a means for transmitting the order information of the buyer (s214) and a means for accessing the payment method of the BB (s215) so that the payment method can be settled at the BB company's payment method. .

P120 step (2) in which the buyer information DB (s531) is established while the buyer registers (subscribes) as a member through the BB server;

The buyer information, the seller information and the delivery center information are registered through the registration means (s514) provided in the BB company's web server and stored in the buyer information DB (s531), the seller information DB (s532) and the delivery center information DB (s533), respectively. do. When necessary for authentication and security, it is preferable to transmit the electronic certificate and the encryption processing module through the authentication means s511 of FIG.

P130 step (3) in which the purchaser (s100) accesses the electronic store website of the seller server (s200), searches for a product, selects a desired product, and clicks a payment button (that is, completes an order for the product);

After the seller server generates the order number corresponding to the product selection signal of the above step, configures the order information together with the order details (product selection details) and the expected delivery date, stores the order information in the order information DB (s222), and sends the order information. P140 steps (4, 5) of transmitting the user authentication information and the order information to the order information receiving means (s515) of the BB company server (s500) (s214) and providing the order number to a buyer terminal;

The order number is generated by combining a transaction serial number with a seller identification number (generally generated and assigned according to a certain standard when registering seller information on the BB company server) so that it is easy to search and classify the order data for each seller in the BB company server. It is desirable to.

BB company server (s500) stores the order information sent by the above with the seller authentication information (identification number) in the temporary table of the order information DB (s534) and then the buyer terminal if the buyer terminal confirms the order later After retrieving the corresponding order information data using the transmitted order number as a key, additional information stored in the buyer information DB and the seller information DB of the server is added to build the order information DB (s534).

The seller server provides the purchaser terminal with the order number in a designated file such as a cookie and stores the order number in a designated storage area promised to the BB company server, or connects the buyer terminal to the BB server in an addressing manner. You can also use the get method, which includes the order number in the URL provided.

P150 step (5) of the seller server connects the purchaser terminal to the payment information input homepage, which is the payment means (s516) of the BB company server, in a redirection method for payment, and disconnects the purchaser terminal;

When the purchaser terminal s100 connects to the payment means s516 of the BB company server, the BB server is included in a file of a predetermined type, such as a cookie, in a predetermined designated storage area of the purchaser terminal (or at a URL). P160 step (6) to allow the buyer terminal to log in after receiving the order number (included and delivered);

If the security of the login information needs to be improved at this stage, when the BB company server sends the login page to the buyer's terminal, the BB server's asymmetric certificate (public key-based certificate) is also sent. It is desirable to encrypt twice with a buyer certificate (private key) issued by the above and the asymmetric public key of the BB company server.

BB server retrieves the necessary information from the buyer information DB (s531) and seller information DB (s532) by searching the order information data received from the seller server and stored in the temporary table by using the order number received from the buyer terminal as a search key P170 step (7) to build the order information DB (s534) after the addition;

In the case where the purchaser terminal encrypts and transmits the login information at step P160, the step of decrypting the asymmetric secret key (private key) of the BB company server and the purchaser's public key should be preceded.

P180 step (7) of the BB server to dynamically generate a web page for order confirmation and payment as shown in Figure 5 on the basis of the buyer information, seller information, order information of step P170 using the CGI function to send to the buyer;

The product information selected by the buyer in the seller server is collectively checked through the web page as in the shopping cart method of the known technology, and the data processing from the product selection step of step P130 to the step P180 is performed quickly in one server. It is desirable to make it.

P190 step (8) of the purchaser enters the payment information and delivery information in the order confirmation and payment web page transmitted through the step P180 and transmits to the BB server;

Since the payment means is a means for the buyer to select among the ones provided on the homepage, in the case of the present invention, it is preferable to provide as many payment means as possible in consideration of acting on behalf of many sellers. In general, the payment means provided in the present invention in consideration of the publicly known technology in the field, such as credit card payment through the Internet, using electronic money, mobile phone payment, account transfer by Internet banking, etc. as shown in FIG. In addition to the payment methods used, buyers can provide as many means as possible, including bank accounts, bank payments at BB regional delivery centers, and offline payment methods using credit card devices or ATMs. It is desirable to be able to choose one.

In the case of offline payment such as credit card, bankbook payment, ATM, etc., it is preferable to input an order number and / or a member number in consideration of automation.

The payment at the regional delivery center includes a postpaid payment for the purchaser at the time of purchase by the buyer, and the payment result is transmitted from the delivery center to the BB server. In addition, the postpaid agent is preferably programmed to automatically determine whether or not allowed based on the product type and the buyer's credit information.

According to Figure 5, the delivery information is to enter only the minimum information necessary according to the buyer's choice. In other words, if the buyer wants to enter only the local name of the region, BB company designates the local regional shipping center, and at the convenient time specified by the buyer, the order can be directly acquired by the regional shipping center.

The delivery information stored by the BB company's server in the order information DB also includes the identification number (id) of the local shipping center so that the shipping information can be viewed only at the buyer and the local shipping center. desirable.

In this step, for security purposes, it is desirable to encrypt payment information, delivery information, and order confirmation information. In addition, the login of step P160 and the input of shipping information and order information of step P190 may be integrated into a single process such as a one-click method. To do so, when the buyer information of step P120 is registered, the shipping information and payment information are registered together, and in step P160 At the time of login (authentication), it is desirable to increase the security level by using an encrypted password together with special authentication means such as smart card certificate.

In the BB company server, after storing the information transmitted through the step P190, the online payment information is transmitted to the buyer transaction bank settlement server P200 requesting the buyer transaction bank settlement server to transfer payment to the BB company bank Steps 8 and 9;

Except for postpay, BB's computer transmits necessary information such as order number and / or membership number and amount to BB's bank for automated deposit verification. In BB company server, it is desirable to copy and store only one copy for later authentication as soon as it is received from the buyer in encrypted state without decryption, and then transmit it to the payment server of the payment financial institution (buyer bank or payment company).

When the BB company server confirms that the payment is normally completed (including offline payment) according to the payment method selected by the buyer in step P190, the BB server stores the payment date in the order information DB (s534) and then sends the information through a web page or an email. P210 (10, 11) for transmitting the "online order payment confirmation" of the form as shown in 6 to the buyer terminal to print the buyer;

Since the payment confirmation also serves as a receipt, it can be signed with the CA certificate of the BB company server. The format in which the electronic signature information is included in the payment confirmation screen file includes a watermarking, a barcode, a scanned signature, or a signature file.

In order to confirm the payment, the BB trading bank checks the payment status (including offline payment) using the information transmitted from the BB company and transmits it to the BB computer system from time to time, and the BB computer system transmits the information. It is preferable to perform the P210 step based on the.

Step P220, in which the BB computer transmits the delivery instruction as shown in FIG. 7 to the seller computer to instruct delivery;

This order of delivery also serves as a payment guarantee, so it is preferable to sign with BB's certificate. The format in which the electronic signature information is included in the payment confirmation screen file includes a watermarking, a barcode, a scanned signature, or a signature file. The delivery instruction information, if the product information to be delivered is the same as sent by the seller, even if only the order number and regional delivery center information and delivery date and time information to the regional delivery center, the seller can link to the pre-stored order product information with the order number .

The delivery instruction may transmit the delivery instruction information to the seller computer server in a push method so that the seller server may store the order information DB (s222) in an automated process.

The seller stores the delivery instruction information in the order information DB (s222) according to the delivery instruction of step P220, and then writes / outputs a delivery statement as shown in FIG. 8 at the designated BB regional delivery center (s561), which is the first stage delivery destination. P230 step 13 and then shipped together and receiving the confirmation of the recipient;

2 copies of the above delivery note shall be kept by the seller and 1 copy for the second (final) delivery at the BB Regional Delivery Center. This step may further include a step of consigning the first step delivery by requesting the relay delivery to the BB wide area delivery center s560 instead of the direct delivery to the BB area delivery center s561 for the convenience of delivery. In this case, BB's wide area delivery center (s560) copies the delivery note, and delivers the first step on behalf of the seller to the regional delivery center as the corresponding goods, and keeps the receipt of the consignee in the copy of the delivery note.

In step B240 of online delivery after confirming online the telephone number and final delivery address specified by the purchaser of the goods and the buyer's order specified in the order information DB of the BB server using the order number as the search key in the BB regional delivery center 14);

At this time, it is preferable that the BB company's regional delivery center further inputs the fact that the ordered product has been delivered to the regional delivery center in the order information data so that the buyer can check the delivery process through the terminal at any time.

A P250 step 15 of delivering the ordered goods to the acquirer according to the delivery information identified in the step P240 at the BB regional delivery center s561 or handing over to the acquirer by contacting the acquirer to acquire the goods at the BB regional delivery center s561;

The contact means includes all possible wired / wireless communication means such as SMS, mail, and wired / wireless telephones.

P251 step (15) for instructing the seller to directly deliver to the final destination without going through the P250 step P240 after the PB step if necessary for the bulk or bulky goods (15);

The direct delivery of this step, as in the prior art, if the BB company directly provides detailed delivery information in the step P220 may be the final delivery (step P260) without going through other steps, of course.

P260 step (16) to take the goods delivered by the designated consignee or return if there is a fault;

A step P270 for returning the goods requested by the designated buyer at the regional delivery center of BB to the seller in step P260 (17);

P280 step 18 of inputting the delivery result (delivery completion or return processing) in the order information DB of the BB server in the BB regional delivery center terminal;

In this step, it is also preferable that the buyer further has means for inputting / transmitting the delivery information by himself or at BB's request. If the seller directly delivers as in step P251, the regional delivery center checks the delivery result to the buyer and then performs step P280.

Step P290, wherein the BB computer calculates a commission for the seller's business for BB's income;

When the fee calculation time is notified of the delivery result in step P280, it is preferable to calculate the fee after a certain period of time in preparation for a return request due to the occurrence of a defect in the product delivered from the buyer later.

It is preferable to deduct the commission directly from the purchase price managed by BB company after calculating the order information (agent processing information) for each seller based on the order number and calculating it according to a certain standard (by agency / amount).

Step P300 (19) of the BB company server requesting the BB company bank (s650) payment server to transfer the rest of the purchase price deducted in step P290 to the seller bank (s660);

In this step, when the buyer returns the goods prepaid for the purchase price, the BB server must request the BB bank to return the purchase price to the buyer bank. In this case, however, the fee of step P290 is preferably to be deducted from the purchase price of the other goods of the seller in the BB company.

It is natural that the service fees of steps P290 and P300 can be separately received from the seller without being deducted from the purchase price.

P310 transfers the purchase price to the corresponding account number of the seller's transaction bank or the buyer's transaction bank according to the request of the BB company server in the step P300 at the payment server of the BB company bank (s650) (P310) (21) It is configured and functioning including. In addition, the seller transaction bank server or the BB company server may further include the step of notifying the seller payment history.

FIG. 4 is for explaining the configuration block of the main system of the entire computer system of the present invention shown in FIG.

Among the entire computer system of the present invention, the most basic system for the implementation of the present invention includes one or more seller servers (s200), one or more purchaser terminals (s100), and BBs connected by wired / wireless computer communication networks as shown in the figure. Four servers (s500) and one or more regional delivery center terminal (s561).

In addition to the above system, in Figure 2, the buyer's transaction bank settlement server (s640), BB's transaction bank settlement server (s650), the seller's transaction bank settlement server (s660), insurance company server (s620) is added, BB's business transactions In the case of acting for the authentication and payment function to the external professional company, the certification authority server (s610) and payment company server (s630) are further added, but these are briefly described in FIG. .

The purchaser s100 and the BB regional distribution center s561 are wired / wireless communication terminals including a general computer system used as a client on the Internet.

BB server (s500) is a computer system that performs the function of the control server for controlling the system of the present invention. The control server has one or more functions of payment, delivery, buyer credit and authentication, seller credit and authentication, trader protection, and new / payment / transaction information security functions inevitably generated in the e-commerce process between the seller and the buyer. It transmits / receives a control signal for performing the control and controls each component of the networked system of the present invention.

The BB server s500 of the present invention is a server h / w system having a system s / w (s511) for the server, and includes authentication means (s512) and security means (s513) for functioning as a control server of the system of the present invention. ), Registration means (s514), order information receiving means (s515), payment means (s516), delivery means (s517), payment settlement means (s518), sellers protection means (s519), buyer information DB (s531), It shows that the module including the seller information DB (s532), the delivery center information DB (s533), the order information DB (s534) as a component all in one server. Since this is for convenience of description, it is natural that the above components may be more appropriately distributed to a plurality of servers when the present invention is actually practiced.

The system s / w (s511) is a basic s / w of a known technology for operating an electronic commerce system such as a web server, a DBMS, a merchant server, and a communication protocol.

Authentication means (s512) is an authentication means for the identity and transaction facts of the buyer and seller, and the identification number or / and password registered when the buyer and the seller connected to the payment means (s516) and order information receiving means (s515) It includes the means of authenticating the transaction facts in the event of a dispute between the parties, as well as the verification of the parties involved in the transaction. Such authentication means include not only simple authentication means such as login, but also various CA certificate-based authentication means of known technology. For transaction authentication, it is desirable to preserve the electronically signed transaction data for a certain period of time as prescribed by the trader's protection means (s519).

Security means (s513) is a means for protecting the buyer and seller's personal information, the buyer's payment information and shipping information, the buyer's and seller's transaction information and the BB server system itself from external intruders and viruses, such as hackers, and passwords. It includes a variety of known techniques, such as means, firewalls, access restrictions.

The registration means s514 is an s / w system that can register, modify, and manage business information of a seller and a delivery center s561, personal information of a buyer, a transaction account number, and the like, and a registration web including a web / DB linked CGI. A page and a buyer information DB (s531), a seller information DB (s532), a delivery center information DB (s533), and a means for issuing certificates for the buyer and the seller. This is also produced using known techniques that are commonly practiced.

Order information receiving means (s515) is a means for receiving the order information transmitted through the seller authentication procedure through the order information transmission means (s214) of the seller server. Seller authentication is performed through an automated process and checks the login information such as the seller's identification number and / or password, and the URL address or IP address of the seller server (s200) that transmits the order information and the corresponding information registered in the seller information DB of the BB company. This can be done by checking for existence or using an electronic certificate. This seller certification is also a means for preventing the damage of the buyer that may occur in the transaction with the seller electronic store attached to the fake BB company certification mark (s212) not registered in the BB company. For this reason, even if a buyer (BB company member) orders a product in a seller's electronic store having a fake BB company certification mark, payment is not made through the BB company's payment means (s516), thereby preventing damages. Since the seller authentication information has a main purpose in linking the order information, a login procedure upon reception (that is, a procedure matching with the authentication information previously stored in the server) may be omitted.

The payment means (s516) is a web page for inputting payment information and shipping information as shown in FIG. 5, a related DB including a web / db linked cgi module and a transaction information DB, and a payment institution (bank, card company, It includes a payment server of an electronic money company, etc., which is also manufactured using a publicly known technique. In addition, in the present invention, as in the known art, it is preferable to transmit important information such as a password and payment information transmitted by the buyer to the BB server through a security means of ssl or higher so as not to leak to a third party during the transmission process.

The delivery means s517 is a means for instructing the seller server to deliver the buyer's ordered goods in a manner specified by the buyer in the form of a web page or an email as shown in FIG. 7 (step P220 in FIG. 3) and the regional delivery center (s561). Means of providing the final delivery information not provided to the seller, such as the name of the consignee, the consignee's telephone number, the final shipping address, etc. (Fig. 3 P240) and the means for inputting / transmitting the delivery result information (Fig. 3P280 step) is configured. Preferably, the delivery information includes a regional delivery center identification number in the order information DB so that only the purchaser and the corresponding delivery center can be read. The delivery means includes various delivery means such as the transmission of digital goods through the Internet as well as physical delivery through transportation. In addition, it is desirable to include in the delivery means the inquiry means for allowing the buyer to check the delivery process up to date of the goods ordered at any time.

The payment settlement means (s518) is a means for deducting the agency commission set by the BB company and the seller from the purchase price, and depositing the rest to the designated account of the bank designated by the seller. This is processed in steps P310 to P310 in FIG.

Seller's protection measures shall be made by BB Company if the Seller directly or the Seller does not respond to the buyer's damages due to defects occurring within a certain period of time after the completion of delivery, as well as the return request and the return of the price at P260. Is a means to immediately compensate buyers on behalf of the seller based on the buyer protection criteria established at the conclusion of the agency agreement with the seller. Therefore, if the BB company compensates the buyer on behalf of the seller at his own expense, the means for deducting the cost from other goods to be paid to the seller or from the insurance company contracted at the seller's expense (s620). It is preferable to include. In addition, it is desirable to have a means for receiving and resolving complaints of buyers such as bulletin boards on the homepage. In addition, the control signal (information) related to the resolution of disputes arising between the buyer and the seller through the authentication of the transaction facts and the seller's damage due to the buyer's negligence, such as the rejection of the buyer's order, through the transaction authentication, etc. Means for transmitting / receiving.

The buyer information DB (s531) is a database in which personal information and payment information of a buyer, which are inputted when registering a new member of an electronic store of known technology, is entered. It is required to enter billing information, and in particular, small companies may not have a security system that protects such buyer information from hackers. For this reason, it is very inconvenient for buyers and their personal information and payment information. It is anxious because of the disadvantages that may be caused by the need to provide a large number of e-store system, in the present invention, once registered in the buyer information DB (s531) of the BB company server provides no personal information to the cooperative seller electronic store You can buy goods without However, since registered buyer information can be managed by a professional protection system, it can be managed more safely in any individual electronic store, and the responsibility for the buyer's damages caused by the leak can be more easily identified than in the known technology. This can also be beneficial to receiving compensation. This buyer information DB is composed of unique identification number, password, personal information, shipping information, bank account number, e-mail address, BB company's own buyer's credit rating level, certificate issue information, etc. Can be. After the buyer orders the goods from the seller's server, payment is connected to the BB company's server and goes through three stages: ① authentication ② order confirmation ③ input / transmission of payment information. In case of using high level security means such as card certificate, it can be reduced to 2 stages of ① authentication ② order confirmation.

Seller information DB (s532) is a seller business information including a unique identification number and password included in the member (seller) information DB of the Internet shopping mall system of the known technology, in the present invention, in addition to BB's own seller credit rating, insurance The credit guarantee amount of the company, the bank account number, the e-mail address, the homepage address, and the certificate issuance information for the electronic store are preferable.

Delivery center information DB (s533) is composed of authentication information, including the unique identification number and password of the regional delivery center (s560) and regional delivery center (s561) operators, business information and certificate issuance information.

The order information DB (s534) is in the buyer information DB (s531) and seller information DB (s532) managed by the BB company server in each order information of the buyer transmitted from the order information transmission means (s214) of the seller server (s200) It consists of adding additional buyer and seller information as needed. This is mainly used for order confirmation, transaction authentication, delivery information management and payment settlement for the buyer.

The BB company server further provides a cooperative seller electronic store homepage link means (not shown) or / and a search means (search page) (not shown) to the purchaser terminal so that the buyer can access the desired cooperative store electronic store homepage through the means. It is desirable to be able to easily connect and select products to order. The search page includes a function for searching cooperative seller electronic store homepage information in a category form.

The seller server s200 is a seller server computer system that is directly related to the system control function of the present invention by the BB company server. This system can be configured by using the known technology. However, the system differs from the seller's e-shop system in the prior art. The payment and final delivery are inevitably generated during the e-commerce process between the seller and the buyer. , Buyer authentication, seller credit provision, buyer protection, management of new / payment / transaction information and security is that the system is configured in the BB computer system (s400) in order to ensure buyer rights and transaction stability. Of course, some e-commerce operators may have all e-commerce solutions, such as their own payment, delivery, and buyer protection systems.

The seller server computer system (s200) is an electronic store server that performs an electronic store function, and has one or more server h / w systems including the system system s / w (s211) with the BB company certification mark (s212). The electronic store homepage s213, order information transmission means s214, BB payment means connection means s215, product information DB s221, order information DB s222, and buyer information DB s223 are provided.

The system s / w (s211) is a basic s / w of a known technology for operating an electronic commerce system such as a web server, a DBMS, a merchant server, and a communication protocol.

The BB company certification mark (s212) is a mark for certifying that the BB company's cooperative electronic store and the BB company electronic credit guarantees credit is preferably linked to the certificate issued through the BB company's authentication means. In addition, the certification mark should be the same design for each seller (s200) e-shop, so it is downloaded from the BB server and posted (or installed) in a location easily recognized by the buyer (or method), and linked to when the buyer terminal clicks this. It is preferable that a program such as a Java applet is provided as a banner type so that the BB company's authentication details and payment, delivery, and protection of the service provided by the BB company are outputted from the BB company server.

The interlocking program is also preferably downloaded and installed from the BB company server. However, the BB company certification mark does not interfere with the execution of the present invention system even if it is not posted (installed) on the homepage according to the seller's circumstances.

Electronic store homepage (s213) is generally the same as the well-known technology of the electronic store homepage, but the payment and final delivery of the ordered goods is processed through the BB means means for transmitting the order information to the server (B500) of the BB company (s214) and means (s215) for connecting to BB's payment means and the BB's certification mark (s212) should be provided on the homepage. The order information transmitting means s214 and the BB payment means connecting means s215 are program modules such as a Java applet, which transmits / receives standardized order information data between the BB company server s500 and each of the seller servers s200. An automated e-commerce system unique to the present invention should be built. To this end, after the seller registers as a partner of the BB company, it is preferable to download the means from the server of the BB company and install it on the seller server so as to operate in conjunction with the electronic store homepage.

Order information transmission means (s214) is the main information (seller authentication information, order information, order number required for construction of the order information DB (s534) of the BB company server through the order information receiving means (s515) of the BB company server (s500) Etc.) is a program module that transmits the order number to the BB company server and also transmits the order number to the user terminal. Detailed information on the data structure to be transmitted should be provided.

BB payment means access means (s215) when the buyer terminal clicks the payment button after the product selection, the seller server (s200) transmits the order information to the BB company server through the order information transmission means (s214), the buyer terminal (s100) and then transmits the order number in a format that can be received by the BB company server, and connects the purchaser terminal to the payment information input homepage, which is a payment means (s516) of the BB company server, in a redirection method. It is a program module that completely terminates the connection between the seller server and the buyer terminal so that various information including login information sent from the buyer terminal to the BB company server cannot be received by the seller server.

The seller server transmits the order number to the buyer terminal provided when a cookie type file or the seller server connects the buyer terminal to the payment information input homepage of the BB company server in a redirection method. The order number may be included in the URL.

The product information DB (s221) and the order information DB (s222) and the buyer information DB (s223) also belong to the prior art that is generally carried out, but the order information DB (s222) is not only the buyer's order (product selection) details, but also the BB company It should be established including the scheduled delivery date in the regional delivery center, but it should be linked with the order information DB (s534) of the BB company server using the order number as a key. The order number may be assigned in such a manner that the transaction serial number is automatically added to the seller identification number registered in the BB company according to a certain standard (for example, the transaction serial number is added to the sales year). As described above, the buyer information DB s223 is built in the seller server s200 because the BB company member is linked to the order information DB s534 and the buyer information DB s531 through the order number in the present invention as described above. You don't have to, but if you do, it's a good idea for buyers to enter just an e-mail address.

5, 6, 7, and 8 are diagrams showing web pages and necessary formatting related to the step-by-step process of FIG.

FIG. 5 illustrates web pages related to steps P180 and P190 of FIG. 3.

The main purpose is to confirm the order information sent by the seller to the authenticated buyer and to receive payment and shipping information, and to process payment and delivery. As a result, it is possible to make e-commerce safer in the known technology.

For a detailed description of the generation and operation of the main web document, refer to the corresponding description of FIG. 3. In this figure, the payment means is a technique applied in the known technology as it is, and the delivery information is to be determined by the buyer's choice of the place of address to the address or regional delivery center. Therefore, if the buyer does not want to provide the delivery information at all, the purchaser can select the delivery center as the "delivery center". "Delivery Center Search" is a function to search for the corresponding shipping center in the buyer's desired area (east). If more than two are found, the shipping center selected by the buyer is responsible for the final delivery.

At the bottom of the main figure, there are four main task menu buttons. When the buyer clicks the "Confirm Order" button, the payment information and shipping information entered by the buyer on the web page are stored in the order information DB (s534). Clicking the "Reorder" button deletes the stored order information and reconnects to the homepage of the seller's e-shop. Clicking the "Cancel Order" button deletes the stored order information and terminates the connection with the BB server. "Help Clicking the button "BB" is intended to explain the usage and processing of the payment and delivery method provided by the homepage. The main figure also shows that you can choose "BB card", "BB-cash", "BuyerBank" as a payment method, which is the convenience, cost savings and profitability aspects of the payment agency for the BB company that implements the present invention It is intended to show that it is possible to directly run an Internet banking company, a credit card company, or an electronic money company. "Wanted receipt date and time" is basically entered into the webpage by adding an appropriate time to the first-scheduled delivery date and time included in the order information transmitted from the seller server through the order information receiving means. It is advisable to program the correct time to the desired date and time. In other words, if you input a date and time that is earlier than the delivery date and time basically input using the JavaScript, an error message is output and not input.

FIG. 6 illustrates an example of filling out an online order payment confirmation form in relation to step P210 of FIG. 3.

When the payment is normally completed according to the payment method selected by the buyer in step P190 of FIG. 3, the document of FIG. 3 is output after the payment page of FIG. 5 or sent separately in an email or the like form so that the buyer can print and store it as a receipt. will be. In order to prepare for the later authentication of the billing fact, the form of this figure shows that the certificate of the BB company server can be signed.

FIG. 7 illustrates an example of filling out an online order delivery instruction form transmitted to a seller server in relation to step P220 of FIG. 3.

The delivery instruction of this figure confirms the purchase price payment (or confirms the payment approval of the card company, etc.) on the BB company server, and then sends it to the seller server by mail or the like. Since this is the same as the payment guarantee certificate, the electronic signature of the BB company It is preferred to be provided. As shown in the main figure, the items necessary for the first stage delivery to the regional delivery center, such as the product to be delivered to the buyer, the delivery address, and the delivery date, are specified in addition to the head information such as the order number and the seller identification number. It is not. If "Shipping Address" is selected as Buyer's "Direct Delivery to Home or Buyer's Designated Location," the local shipping center will verify the shipping address after the first stage of delivery. The delivery instruction information transmission means is preferably one or more of all possible wired / wireless communication means, such as mail, bulletin board, SMS, messenger.

FIG. 8 is a view for explaining an example of online order goods delivery form preparation related to order goods delivery in steps P230 to P280 of FIG.

As stated in this form, Seller's "1st stage delivery" will only contain the shipping information required for the 1st stage delivery. According to this figure, the delivery statement prepared by the seller is used as it is until the final delivery. Therefore, the regional delivery center checks and fills in the necessary information such as the consignee, the consignee (final delivery address) and the consignee's telephone number from the BB company server for "two-step delivery" (final delivery). In addition, the result of the fastest delivery is described in the "product takeover.acquisition information" column. Based on this, the delivery result information is input / transmitted to the BB server in step P280 of FIG. If the seller consigns the first stage delivery to the BB company, the BB company server should additionally fill in the "Intermediate delivery" information from the BB company's server in the "Intermediate delivery" column of the delivery note, and deliver it with the ordered product to the relevant regional delivery center. .

To illustrate how to secure the information sent between systems,

1. Between buyer (s100) and seller (s200)

In the present invention, the security of the information transmitted between the buyer terminal and the seller server is not so important, it is not necessary to establish a virtual leased line (VPN) through a leased line or encryption.

2. Between buyer (s100) and BB company (s500)

The security problem between the purchaser terminal s100 and the BB company server s500 is more important than the security problem between the purchaser s100 and the seller s200. Accordingly, it is preferable to transmit / receive important information transmitted / received between the purchaser terminal and the server of the BB company through a channel of a virtual private line (VPN) using ssl and asymmetric encryption method.

2a. The purchaser is issued a certificate: When the purchaser (s100) registers as a member of the BB company's server, an asymmetric certificate is issued from the BB company, and a cryptographic module is also downloaded and installed in the computer.

2b. Transmission of login information: When the BB company server transmits a login page to the buyer, the BB server's asymmetric certificate is also transmitted, and the buyer sends the login information to the cryptographic processing module using the private key (certificate) and the asymmetric public key of the server. Medium and encrypted, and the BB company can increase the security level by decrypting the server with the asymmetric secret key of the server and the public key of the buyer.

2c. Sending the web page for order confirmation and payment: When the purchaser is authenticated in the above step, the web page shown in FIG. 5 generated through steps P170 and P180 of FIG. 3 is transmitted to the buyer in plain text.

2d. After confirming the order, the payment information and delivery information transmission step: After confirming the order contents of the web page sent in the above step, input the delivery information and payment information, and digitally sign them with the buyer's asymmetric certificate, and then the delivery information is BB As the asymmetric public key of the corporate server, the payment information is the asymmetric public key of the payment financial institution, and after the two encryption processes are respectively encrypted using the cryptographic processing module, the information is transmitted to the BB company server. In preparation for authentication, copy and copy each copy one by one and store it separately for a certain period of time without decryption.Order confirmation and delivery information are decrypted using the BB's server's secret key and the buyer's public key, and the payment information remains the same. Send to the payment server of the bank (or payment company). The asymmetric public key of the payment financial institution may transmit the CA asymmetric public key of the payment financial institution when the buyer selects a payment method in the order confirmation and payment web page of FIG. 5. The cryptographic processing module may be called and executed by a Java script module included in the corresponding page.

3. Between BB (s500) and buyer's bank (or settlement company)

Payment information sent / received between the BB company server and the payment server of the buyer's bank (or payment company) uses a separate leased line, and the buyer's bank (or payment company) encrypts the purchase using asymmetric encryption. It decrypts the payment server's secret key and the buyer's public key.

4. Between seller (s200) and BB company (s500)

In the present invention, the data transmitted / received between the BB company server and the seller server only need to secure the integrity. In the present invention, since the integrity can be secured through various procedures, the seller sends the order information to the BB company as authentication information. You may include only the seller's certification number (identification number) and send it in plain text.

The security technology described above is devised in accordance with the present invention by applying various security technologies selectable from the known technology for the purpose of implementing the present invention. It can be implemented or applied differently by applying the present invention. For details on the publicly available technologies, see "Man Lee Young, Kim Ji Hong, Ryu Jae Chul, Song Yu Jin, Heung Hee Chul, Co-author Lee Im Young", "E-Commerce Security Technology", (Seoul, 1999) e-business security, ”(Seoul, 2000, Powerbook).

To illustrate the way in which BB performs its own certification, first obtain a CA certificate from the senior certification authority that allows BB's certificate server to perform the certification, and based on this, the buyer (member) managed by BB Authorize the certification authority to issue subordinate CA certificates to the seller and BB delivery centers and certify transactions. Certificates are preferably issued when each member of the commerce registers the personal information on the BB server for the first time. In general, all certifications are handled by a self-certification system, but the external certification service is used as a follow-up method of receiving certification service of the above-mentioned certification body by using the stored certification data only when necessary, such as a dispute. It is preferable in terms of saving time and time. In addition, it is desirable for the BB company's certification system to be accredited so that the certificates issued by BB to buyers and sellers are legally valid for other purposes. On the contrary, when the buyer and the seller have a certificate issued by another authorized certification authority, it is desirable to use it as it is and to register the certificate information in the buyer and seller information DB of the BB server.

BB computer system can build a credit rating information DB based on the credit information established through the acting agency, such as payment agent as well as personal information of buyers and sellers. Therefore, based on the built-in personal information and credit rating information can perform a function to provide credit to other operators. For example, in the case of a credit-based business such as a high-end rental business or a financial business, a business operator wants to receive as much personal information as possible, but for the individual, the inconvenience of providing such detailed information to various businesses and the risk of accident More, it is not easy to identify which carrier has leaked personal information in the event of an accident. However, if the BB company guarantees the credit of its members and builds up various credit information, personal information, financial information and / or credit evaluation information as a DB in case of necessity, a certain business operator requests a credit guarantee. If the member agrees, the member can evaluate whether the credit card company has the required level of credit and replace it with a credit guarantee provided by BB instead of providing personal information. In this case, the service provider can handle the necessary work with only the credit guarantee number provided by BB and / or the member number of BB and the minimum additional information necessary for the business (e.g., e-mail address and / or phone number). It becomes possible. In this case, payment and various authentication processes may use an IC card issued by BB. In this case, the member may request the seller to delete the personal information previously registered to the particular seller and replace it with the credit guarantee of the BB company. The credit may be provided upon the request or consent of the BB company member even if the seller is not a cooperative seller of the BB company.

The authentication means s512 of FIG. 4 uses the credit (information) provided by the BB computer system without receiving all the necessary personal information as in the known technology when the cooperative seller electronic store intends to register the buyer as its own member. It can also be used to enable membership based. As the detailed use example,

1. The purchaser enters only the minimum information (e.g. e-mail address) necessary for the personal information input field, which is mandatory when the user registers at the member registration means of the seller's e-commerce website. Click "Replace with BB company authentication" button (example);

2. The seller server linking the buyer terminal to the authentication means of the BB company computer system in an addressing manner while requesting the authentication means of the BB company server to provide the buyer's credit information;

At this time, if necessary for the reply address, the url of the seller server member registration means must also be transmitted.

3. At the BB company server, allowing the purchaser to log in using an authentication means;

4. In the BB company, if the purchaser is authenticated as a member of the BB company by logging in, transmitting information (eg, member number and electronic certificate number) requested by the seller server to the seller server member registration means; Through the purchaser's choice, it is possible to register as a member of a cooperative seller's e-shop even with minimal personal information. On the other hand, since the BB company authenticates the buyer's credit even through the seller server, only the member identification means and the information transmission / reception means need only register the e-mail address.

If the purchaser confirms that the cooperative seller computer is connected to the cooperative seller computer by means of a link through the BB company's server or provided the BB company's membership number or the like in the personal information input step (1), the purchaser omits the inquiry to the BB company's server or The authentication information can be sent to the computer system to receive the necessary credit information through automatic authentication.

In addition, the present invention can be compensated for damages by the BB's traders protection means when the seller is damaged due to the intention or negligence of the buyer, the seller can rest assured to do business. In order to compensate for the seller's damages on behalf of the buyer, BB will take measures to compensate for the loss through not only the credit rating of the registered member (buyer) but also insurance. It is preferable.

(Second embodiment)

9 and 10 are schematic diagrams illustrating the system configuration and operation of the second embodiment of the present invention to explain an embodiment of the present invention when the present invention is applied to electronic commerce such as digital goods and service goods.

9 differs from the first embodiment of FIG. 2 in that the present invention is applied when a product handled in an electronic store is a product that does not require a separate delivery means through a vehicle, such as a physical product. For this reason, in FIG. 9, BB wide area delivery center s560 and BB area delivery center s561 are not shown. The present invention orders goods or services through the Internet, such as the purchase of digital goods such as image files, audio files, document files, various communication services, various ticket purchases (including electronic tickets), and various service orders / reservations, and pays the price. Anything that can be done is applicable. In addition, in the first embodiment of FIG. 2 and FIG. 9, the purchase price is mainly prepaid. However, if there is a means for guaranteeing the credit of the buyer in the BB company, it may be postpaid.

Hereinafter, the method of implementing the present invention will be described mainly by taking e-commerce of digital goods as an example. However, the application field of the present invention is not limited thereto. As all may apply, these will also be covered by the claims.

In general, the supply of digital goods is based on the membership system.

As in a typical electronic store, there is a "billing method for each item" that sets a price for each product displayed in the electronic store and receives and supplies the product according to the item and quantity selected by the buyer.

Accordingly, when the goods supply and settlement process for each supply method in the second embodiment of the present invention is illustrated (this second embodiment is also basically the same as the first embodiment of FIG. Descriptions on technology are omitted and only changes or additions are explained in detail.),

In the case of the "settlement-based billing method," because the product must be continuously supplied for a certain period of time, the product price is paid only once, but it is also known in the present invention in consideration of the fact that the product can be continuously supplied freely. As in the description, "the buyer registers as a member of the seller's e-shop" and "the step of authenticating when accessing the seller's e-shop;" is added to the product every time the product is offered for billing. This is because there is no need to connect to BB's payment server for payment. The reason for this is that each e-shop can check whether the payment is made at the same time as the purchaser authentication based on the purchaser identification number and password.

In addition, in the present invention, unlike the known technology, the buyer (member) information registered above needs only an e-mail address for receiving information and receiving goods. This is because e-mail addresses are unique in the world, such as social security numbers, so buyer IDs and passwords can be assigned for each e-shop based on this. The other reason is that the seller's credit is guaranteed by the BB company, so no further buyer information is required, and even as the buyer does not have any problem with the personal information of the e-mail address, there is no problem with the known technology. You can do commerce. In this case, a buyer information DB should be additionally established in the seller server, and buyer identification number information registered in the buyer information DB s223 should be added to the order information DB s222. In addition, the seller needs to have an authentication means for the buyer's receipt of the product or the seller's supply of the product. This is because, in the case of the first embodiment of FIG. 2, the certificate is prepared in such a way that the product is handed over from the regional delivery center of BB company and the signature or seal of the fact of receipt is stamped on the document from the recipient, but this is not the case of the second embodiment. This is because the authentication data is required in the dispute processing process in the trader protection means (s519) of the BB server in the future dispute. For this case, it is preferable that the BB server issues a certificate to the buyer and the seller so that the buyer and the seller can use it in an e-commerce transaction.

In the case of the "item billing method for each item", the pricing method is the same as the physical goods method of FIG. 2 except that the seller directly supplies the goods or services to the buyer through the Internet.

10 is for explaining the payment and delivery process of the "item billing method for each item".

The main figure is illustrated as an example of a transaction of a digital product, but may be applied to a business in which a bill is charged and settled and a service and a tangible / intangible product are supplied in the same manner. The main process is shown in three payment examples in one payment process, which takes into account the general supply method of digital goods. In other words, the payment of the ordered products is processed by the same process, but the method of supplying the products can be selected according to the convenience of the buyer and the system environment of the seller.

The payment process of this figure (1 to 8) is the same as the payment process of the 1st Embodiment of this invention shown in FIG. However, in consideration of the supply of digital goods, the url information (③, ④) that the seller server sends to the BB company server and the buyer's terminal includes not only the domain of the server but also the url of the order file that can directly download the order file. It is. Member registration (1) in the second embodiment of the present invention is intended to be commonly used in the known technology, but mainly used for means to check the payment status and delivery status of the order of the member. Therefore, we recommend that you only provide your e-mail address for personal information. The payment request (⑥) and the payment approval (⑦) step of this figure is a simplified illustration of the payment process shown in FIG. 2 and assumes a case where an external payment company (s630) acts as a payment agent.

Unlike the first embodiment of FIG. 2, the order number is used not only as a search key but also as information for determining whether to purchase a purchaser's authentication and payment. In other words, if the price is paid for the ordered product, it would be good for both the buyer and the seller to allow the seller's server to directly access and download the url address of the order file without going through the normal login process. It is used as a means of confirming payment.

Delivery example A is an example of a process in which the seller directly supplies the ordered product (file) to the buyer without any special response from the buyer. In the embodiment, the purchaser selects the ordered goods by the payment process and transmits the payment information, and when the payment processing is completed, using the file transfer means such as a9a and e-mail to transmit the goods as a download. This is a method of separately transmitting the file as an attachment (a9b).

Delivery Example A is the same as the delivery process of physical goods, except that the online delivery through the Internet can be used not only in the digital goods but also in the supply of various goods and services possible. In this case, however, it may be necessary to separately provide a means for authenticating the purchaser (acquisition) when the product is acquired or handed over (downloaded) in preparation for a dispute about the delivery fact. Such authentication means may use electronic authentication or / and digital signature technology of various known technologies such as set, fingerprint recognition, smart card. As an example of the authentication of the delivery fact using the electronic certificate,

1) The seller sends the receipt page and requests the buyer for the digital signature on the receipt through the script module included therein.

2) The buyer digitally signs the certificate and sends the confirmation information to the seller's server.

3) the process of sending the designated goods from the seller; Implement through

Delivery Example B and Delivery Example C are processes that are mainly used for the delivery of digital goods. Delivery example B includes the order number in the file url of the digital goods paid directly by the BB company's server (b9a) or by the seller's server (b9b). Inform the buyer by sending data such as e-mail or bulletin board (for example, by providing a means of hyperlinking to the file in the e-mail document) (b9a, b9b), the buyer clicks on the url at a convenient time. To acquire (ie download) the product (file) (b10).

Delivery example C is a technology that can be applied to the overall delivery in the second embodiment of the present invention mainly interrupted during the download of the digital goods paid by the buyer in the manner of delivery examples A and B or a problem occurs during the delivery process As, it is preferable to further provide in the two embodiments of the A and B. To this end, as described above, each electronic store requires its own authentication means. Specifically, when the buyer logs in to the homepage of the electronic store (c9), the seller server checks the order product and the payment through the order number stored in the order information DB (s222), and then re-ships or re-downloads the paid product ( c10) to receive.

Naturally, the product to which the item-based billing method is applied includes a product to which a flat rate-based billing method is applied (eg, online education service, media subscription, etc.).

Referring to the utilization method of the web page and the delivery-related forms of Figures 5 to 8 in the second embodiment of the present invention,

"Order confirmation and payment web page" of Figure 5 is available as it is except for the shipping information input portion.

"Online order payment confirmation form" of Figure 6 may be omitted in the case of instant receipt (download, etc.) of the ordered goods (FIG. 10, a9a), SMS, bulletin board, messenger, e-mail, etc. In the case of digital goods, in case of digital goods, an order product (file) may be attached and transmitted (FIG. 10, a9b) instead of the delivery address information, or a hyperlink means including an order number in a url to download the order product (file). If the buyer clicks the hyperlink means, the user is automatically connected to the corresponding url, and may download the file after the authentication process using the order number. If the ordered product is a rental or service, the example of the main island can be used without any modification.

The "online order delivery form" of FIG. 7 may also include or omit delivery address information depending on the form of the ordered product with reference to FIG. 6. However, in the case of digital goods, if the seller does not know the buyer's e-mail address, an e-mail address may be provided in the shipping information.

The "online order goods delivery form" in FIG. 8 may be referred to when the ordered goods are goods rental or service.

As an example of the method of carrying out the above-mentioned postpayment agent in the present invention,

1) How to use postpay payment system of credit card company of known technology

2) Guaranteed payment according to its own standards up to a certain amount through purchaser's credit rating and guarantee insurance

3) If the buyer's transaction financial institution (including credit card company) stops paying the amount corresponding to the purchase price according to the buyer's request or BB's request with the buyer's consent, then BB's bank How to transfer to

4) There may be a method of deciding whether to postpaid sales according to the product type and / or the buyer's credit rating set by the BB company, and receiving payment by cash or card at the regional delivery center. At this time, in the case of expensive goods, it is possible to prepay a certain amount of down payment by all the above methods.

(Third Embodiment)

The third embodiment of the present invention is another embodiment in which the purchaser terminal can perform electronic commerce even if only the product selection signal is provided to the seller computer. That is, as a buyer, only when there is a willingness to purchase (i-shopping) the product information posted in a number of BB cooperative seller electronic stores without providing personal information, it also sends only the product selection signal to the corresponding computer, and the actual order is BB. There is no concern about personal information leaks through the company. Therefore, it is not necessary to register as a member in the seller computer. (The third embodiment is also basically the same as the first embodiment of FIG. Or only the additions are explained in detail.)

The characteristic of this embodiment is that

(1) The order information transmission means (s214) of the seller computer generates the order information corresponding to the product selection signal and the seller authentication information or / and order number corresponding to the product selection signal when the buyer finishes the product selection and sends it to the buyer terminal. do. Although the order number may be generated in the BB computer system without being generated in the seller computer in this embodiment, it is more preferable to generate the order number in the seller computer in consideration of the load of the BB computer system.

(2) The example of transmission of the order information and the seller identification information and / or the order number is that the seller computer stores the information in a standardized file (for example, a cookie file) in a format defined by the BB company computer system and transmits the information to the purchaser terminal. In this case, since the file is a single-use file, when the file is created with the same file name, it is easy to standardize, and the latest file is automatically replaced by a file previously generated, which is advantageous for security.

Another example of the transmission of the order information, the seller authentication information and / or the order number, first transmits to the buyer terminal in a get method to include the information in the URL provided when connecting the buyer terminal to the computer system BB company through It is sent to BB computer system.

The order number may be generated in a manner different from that illustrated in the first embodiment when generated in the BB computer system.

(3) The order information receiving means (s515) of the BB computer system receives the order information and the seller authentication information and / or the order number contained in the file (or URL) stored in the purchaser terminal, but includes the order number. If not, the order number is generated and stored together in the order information DB (s534) and the order number is provided to the payment means (s516) using a technique such as a session.

(4) BB computer system first receives the order information and seller authentication information or / and order number through the order information receiving means (s515) when the buyer terminal is connected, but if there is no order number to generate the order number, After the purchaser is authenticated (logged in) through the payment method (s516), the necessary information such as payment is performed by linking the buyer information, order number, order information, and seller information.

If the product provided by the seller server is a digital product, the order information may include the URL of the file.

In the case of using a file such as a cookie for the transmission of order information in each embodiment, the file stored in the purchaser's terminal is automatically deleted after the payment process of the BB company server in order to prevent hacking damage. The payment web page includes a client execution javascript module that performs such a function and transmits it to the purchaser's terminal, and if it is necessary to confirm the same order number later, it is preferable to refer to the order information DB using the purchaser identification number. Do.

In one embodiment of the file such as the cookie, a seller of the same file name (eg, ordernumber@buyerbank.net.txt) by combining the same ID (eg, ordernumber) to the URL of BB (eg, buyerbank.net) Even if it is generated from a computer, the file name is the same, so it can be easily recognized and received by the BB computer system. The previously generated order number is automatically deleted while being replaced by the latest one.

Even if the present invention is used in an internet auction brokerage business, the present invention may be used according to the above embodiments, but if the seller is an individual and it is difficult to deliver the goods to the buyer's regional delivery center or the regional delivery center, the relevant area of residence of the individual seller Delivery can be requested in step 1 from the delivery center to the regional delivery center designated by the buyer. In this case, however, the cost may be further deducted from the purchase price paid to the seller. The first level delivery request items to the regional delivery center may be to collect the items to be delivered while traveling through each regional delivery center in the regional delivery center and perform the first phase delivery.

Compared with the prior art, the technology of the present invention contributes to the development of the corresponding industrial field as follows.

1. Problems raised by prior art in electronic commerce, such as lack of protection of buyers 'interests, concerns about buyers' anxiety about transactions with small and medium-sized companies, inconveniences in delivery and returns, concerns about leakage of buyer's personal information and financial information It will be possible to solve the breakthrough.

2. Since the buyer and seller's credit comes from the inventor of the present invention (BB company), when the present inventor obtains the highest level of buyer credit, the seller is only a certificate or / and certification mark that the seller is a partner of BB company. When displayed on the homepage, even if fewer advertisements than before, the buyer's credit can be obtained.

3. As in the prior art, for the security management of the buyer's personal information and payment information, each individual seller does not have to spend a lot of money to build a solution, and the buyer can make an e-commerce transaction without providing personal information and payment information to the individual seller. safe.

4. The present invention basically relates to a buyer-centered e-commerce system and method, and since the buyer protection system is a system that can be processed immediately without going through a consumer protection group, even if a BB cooperative seller is a small or medium-sized e-commerce company. It is possible to establish a buyer protection system beyond the large companies and acquire the buyer's credit. Therefore, after the implementation of the present invention, small and medium-sized electronic store companies can also compete with the large companies fairly, which can bring a dramatic growth of the electronic commerce industry.

Claims (49)

In the e-commerce method, The method is characterized in that the buyer can perform the electronic commerce even if the seller provides only the product selection signal to the seller, BB computer system including one or more delivery center terminals connected to wired / wireless networks, one or more merchant computers connected to wired / wireless networks that have a business agency agreement with BB and whose authentication information is registered on BB computer systems The information is executed through an electronic commerce system including one or more buyer terminals connected to a wired / wireless communication network registered in the BB computer system, (a) the purchaser accessing the seller computer through the terminal to read the product information provided by the seller, and then transmitting one or more product selection signals to the seller computer; (b) the seller computer generates order information and seller authentication information or / and order number corresponding to the received product selection signal and transmits them to the buyer terminal or / and BB computer system and pays the buyer for payment; Connecting the terminal to the BB computer system; (c) receiving, by the BB computer system, the order number and / or the order information and the seller authentication information from the buyer terminal or the seller computer, and generating an order number if the order number is not present; (d) receiving, by the BB company computer system, payment information and / or delivery information corresponding to the order number from an authorized purchaser terminal and controlling payment and delivery services corresponding thereto; And (e) calculating, by the BB computer system, the agency expenses from the deposited product price and depositing the amount excluding this amount into a financial institution designated by the seller; Comprising Buyer-centered e-commerce method characterized in that. In the e-commerce method, The method is characterized in that the buyer can perform the electronic commerce even if the seller provides only the product selection signal to the seller, BB computer system including one or more delivery center terminals connected to wired / wireless networks, one or more merchant computers connected to wired / wireless networks that have a business agency agreement with BB and whose authentication information is registered on BB computer systems The information is executed through an electronic commerce system including one or more buyer terminals connected to a wired / wireless communication network registered in the BB computer system, (a) the purchaser accessing the seller computer through the terminal to read the product information provided by the seller, and then transmitting one or more product selection signals to the seller computer; (b) the seller computer generates the order information corresponding to the product selection signal received from the purchaser terminal and an order number for identifying the order information, and transmits the order information to the BB computer system together with the seller authentication information. Providing a number; (c) the seller computer connecting the purchaser terminal to the BB computer system for payment; (d) The BB computer system receives the order number from the purchaser terminal, authenticates the payment information and / or the delivery information corresponding to the order number, and then controls the corresponding payment and delivery service. step; And (e) calculating, by the BB computer system, the agency expenses from the deposited product price and depositing the amount excluding this amount to the financial institution designated by the seller; Buyer-centered e-commerce method comprising a. In the e-commerce method, The method is characterized in that the buyer can perform the electronic commerce even if the seller provides only the product selection signal to the seller, BB computer system including one or more delivery center terminals connected to wired / wireless network, one or more seller computers connected to wired / wireless communication network with authentication information signed in BB computer system The information is executed through an electronic commerce system including one or more buyer terminals connected to a wired / wireless communication network registered in the BB computer system, (a) the purchaser accessing the seller computer through the terminal to read the product information provided by the seller, and then transmitting one or more product selection signals to the seller computer; (b) the seller computer generates order information and seller authentication information and / or order number corresponding to the product selection signal received from the buyer terminal, transmits the order information to the buyer terminal, and transfers the buyer terminal to the buyer terminal for payment; Connecting to a computer system; (c) receiving, by the BB company computer system, the order information and the seller authentication information or / and the order number from the buyer terminal, and generating and storing the order number if there is no order number; (d) receiving, by the BB company computer system, payment information and / or delivery information corresponding to the order number from an authorized purchaser terminal and controlling payment and delivery services corresponding thereto; And (e) calculating, by the BB computer system, the agency expenses from the deposited product price and depositing the amount excluding this amount into a financial institution designated by the seller; Comprising Buyer-centered e-commerce method characterized in that. The method of claim 1, 2 or 3, wherein the method comprises: BB's computer system may provide information for returning delivered goods, returning goods for return, compensation for damages of buyers, resolving disputes between buyers and sellers, and / or performing authentication functions. Transmitting / receiving; Buyer-centered e-commerce method characterized in that it further comprises. According to claim 1, 2 or 3, wherein the payment method, All types of wired / wireless network-based online payment methods such as credit card payment, mobile phone payment, electronic money payment, internet banking, internet banking, cashless payment through ATM device or financial institution, and cash payment at regional delivery center One or more of methods including payment or postpay billing; Buyer-centered e-commerce method characterized in that. The method of claim 1, 2 or 3, wherein the seller, A seller who is insured with a certain amount of insurance by BB as an insured to cover the damages incurred due to the agency's business. Buyer-centered e-commerce method characterized in that. The method of claim 1, 2 or 3, wherein the method comprises: If a BB computer system is required, an electronic certificate is issued to the registered purchaser terminal, the seller computer, and / or the delivery center terminal, and the creditor's credit is evaluated and managed, and / or the seller computer is involved in carrying out the present invention. Further comprising providing a program module; Buyer-centered e-commerce method characterized in that. The method of claim 7, wherein the program module, An order information transmission module for transmitting the order information and the seller authentication information and / or the order number to a BB company computer system and / or a purchaser terminal; BB company certification mark which means that it is a BB cooperative electronic shop; And It includes a BB payment means connection module for performing the function of connecting the buyer terminal to the BB computer system for payment of the ordered goods; Buyer-centered e-commerce method characterized in that. The method according to claim 1, 2 or 3, Encrypting authentication information, payment information, and / or delivery information transmitted / received between the purchaser terminal and the BB computer system; Buyer-centered e-commerce method characterized in that. The process of claim 1, 2 or 3, wherein the receiving of the payment information and the delivery information in step (d) comprises: Retrieving order information linked to a received order number from the received order information; Creating a web page for order confirmation, payment information, and delivery information based on the order information, buyer registration information, and seller registration information and transmitting the web page to the buyer terminal; And Receiving payment information and shipping information corresponding to the web page from the buyer; Buyer-centered e-commerce method comprising a. The method of claim 10, wherein the receiving of the payment information and the delivery information in step (d), When the payment is confirmed, the step of transmitting the payment receipt containing the BB company certificate to the buyer terminal; Buyer-centered e-commerce method characterized in that. According to claim 1, 2 or 3, wherein in the step (d) the delivery service, Order information transmitting the delivery instruction information to the seller computer; When the seller prepares a delivery note using the delivery instruction information and delivers it to the designated regional delivery center together with the ordered goods, the regional delivery center sends necessary information such as the recipient of the ordered goods and the final delivery address to the order number in the delivery note. Inquiry to the computer system and delivered to the final delivery destination or handed over to the recipient visited the regional delivery center; And And transmitting the delivery result information to the BB company computer system in the regional delivery center. Buyer-centered e-commerce method characterized in that. The method of claim 12, wherein the seller delivers the goods directed to the regional delivery center. When a BB company applies for relay delivery to a regional delivery center at a particular regional delivery center, the regional delivery center includes a method for delivering to the regional delivery center specified in the delivery note on behalf of the seller. Buyer-centered e-commerce method characterized in that. The method of claim 12, wherein in the step (d) the delivery service, If the seller, BB computer system or regional delivery center instructions further comprising the step of confirming the necessary delivery information in the BB computer system or regional delivery center to deliver directly to the final destination Buyer-centered e-commerce method characterized in that. The method of claim 12, wherein in the step (d) the delivery service, If there is a request from the buyer to provide information on the current delivery process; further comprising Buyer-centered e-commerce method characterized in that. The method of claim 1, 2 or 3, wherein the seller computer system provides the purchaser terminal with order information and seller authentication information and / or order number. A method of generating a file of a designated format that can receive an order number from a BB computer system and storing the file in a designated area of a purchaser terminal storage device; or A method of including the purchaser terminal in a URL address provided to the purchaser terminal in order to access the BB company computer system in a redirection manner; Buyer-centered e-commerce method characterized in that. The method of claim 1, 2 or 2, wherein the BB computer system receives the order information and the seller authentication information and / or the order number from the purchaser terminal. Receiving through a file or URL of a designated format stored in a designated area of a buyer terminal to access; Buyer-centered e-commerce method characterized in that. According to claim 1, 2 or 3, if the order goods are digital goods, the delivery service in the step (d), Order information transmitting the delivery instruction information to the seller computer; And Including, by the seller computer, causing the buyer terminal to download the delivered digital goods from the corresponding URL or transmit the same to the buyer terminal. Buyer-centered e-commerce method characterized in that. According to claim 1, 2 or 3, if the order goods are digital goods, the delivery service in the step (d), Order information transmitting the delivery instruction information to the seller computer; Transmitting, by the BB company computer system or the seller computer, the URL and / or the order number of the digital goods ordered to the purchaser terminal; And Downloading, by the buyer terminal, the digital goods after accessing the seller computer with the received URL or / and order number; Buyer-centered e-commerce method characterized in that. According to claim 1, 2 or 3, if the order goods are various service goods, the delivery service in the step (d), Order information transmitting the delivery instruction information to the seller computer; And Providing the seller, the ordered service to the buyer; Buyer-centered e-commerce method characterized in that. The method of claim 1, 2 or 3, wherein the method comprises: Providing the requested information if the buyer is an authenticated member when the cooperative seller computer requests the purchaser to register the purchaser as its own member based on the information provided by the BB company computer system; Buyer-centered e-commerce method characterized in that. The method of claim 1, 2 or 3, wherein the method comprises: Providing credit information to other operator computers based on the constructed personal information and credit rating information; Buyer-centered e-commerce method characterized in that it further comprises. The method of claim 1, 2 or 3, wherein the method comprises: Providing a cooperative seller electronic store homepage link means and / or search means to a purchaser terminal; Buyer-centered e-commerce method characterized in that it further comprises. In the e-commerce system, The system is characterized in that the buyer can perform electronic commerce even if the seller provides only the product selection signal, A BB computer system including one or more delivery center terminals, a plurality of devices networked with wired / wireless communication networks including one or more seller computers and one or more purchaser terminals, The seller computer generates database information for managing a database including product information provided to the buyer, order information corresponding to a product selection signal transmitted by the buyer, seller authentication information and / or an order number, and the buyer terminal. Or / and order information transmission means (s214) for transmitting to the BB company computer system, BB payment means connection means (s215) for connecting the purchaser terminal to the payment means of the BB company computer system for payment, and the electronic store function. An electronic store homepage s213 to perform; It is configured to include, The BB computer system is a database means for managing buyer information, seller information, delivery center information and order information, registration means for registering the buyer information, seller information, delivery center information and control the corresponding tasks (s514), Authorization means (s512) for authenticating the identity of the registered member and / or authenticating the transaction facts using data constructed in the course of business processing, order number or / and order information and seller authentication from the buyer or seller. Order information receiving means for receiving information, but if there is no order number generating order number (s515), payment means for receiving payment information and shipping information corresponding to the order number from the authorized buyer and control the corresponding work ( s516), a delivery means for controlling the work required for the delivery of the ordered goods (s517), except for this by calculating the agency costs from the price of the goods received A payment settlement means for depositing the amount into a financial institution designated by the seller (s518). Buyer-centered e-commerce system, characterized in that. In the e-commerce system, The system is characterized in that the buyer can perform electronic commerce even if the seller provides only the product selection signal, A BB computer system including one or more delivery center terminals, a plurality of devices networked with wired / wireless communication networks including one or more seller computers and one or more purchaser terminals, The seller computer provides database information for providing product information to a purchaser terminal and receiving and managing product selection information from the purchaser terminal, and an order number for identifying order information and order information corresponding to the product selection signal received from the purchaser terminal. After generating the order and transmits to the BB computer system with the seller authentication information and the order information transmission means for transmitting the order number to the buyer terminal (s214), the purchaser terminal for payment to the payment means of the BB computer system for payment A BB payment means connecting means s215 for connecting and an electronic store homepage s213 for performing an electronic store function; It is configured to include, The BB computer system, through the electronic commerce formed between the buyer terminal and the seller computer, the authentication of the seller, the buyer and the delivery center or / and the authentication of the transaction facts, payment of the ordered goods, delivery, settlement of the transaction price A computer system of a third party company composed of a plurality of computer devices that transmit / receive signals for performing a function, Database means for managing buyer information, seller information, delivery center information and order information, registration means for registering the buyer information, seller information, delivery center information and controlling the corresponding work (s514), identity verification of registered members And / or authentication means (s512) for authenticating the transaction facts using the data established in the process of processing, order information receiving means (s515) for receiving the order information transmitted from the seller, and the order number from the purchaser terminal. Payment means for receiving and verifying payment information and delivery information corresponding to the order number through the authentication (s516), shipping means for controlling the work required for the delivery of the ordered goods (s517), deposit A payment settlement means (s518) that calculates an agency cost from the received product price and deposits the amount excluding this amount to a financial institution designated by the seller; It will be constructed by Buyer-centered e-commerce system, characterized in that. In the e-commerce system, The system is characterized in that the buyer can perform electronic commerce even if the seller provides only the product selection signal, A BB computer system including one or more delivery center terminals, a plurality of devices networked with wired / wireless communication networks including one or more seller computers and one or more purchaser terminals, The seller computer generates database information for managing a database including product information provided to the buyer, order information corresponding to the product selection signal transmitted by the buyer, seller authentication information, and / or an order number to the buyer terminal. Order information transmission means for transmitting (s214), BB payment means access means (s215) for connecting the purchaser terminal to the payment means of the computer system BB for payment, and the electronic store homepage (s213) that performs an electronic store function. ; It is configured to include, The BB computer system, through the electronic commerce formed between the buyer terminal and the seller computer, the authentication of the seller, the buyer and the delivery center or / and the authentication of the transaction facts, payment of the ordered goods, delivery, settlement of the transaction price A computer system of a third party company composed of a plurality of computer devices that transmit / receive signals for performing a function, Database means for managing buyer information, seller information, delivery center information and order information, registration means for registering the buyer information, seller information, delivery center information and controlling the corresponding work (s514), identity verification of registered members And / or authentication means (s512) for authenticating the transaction facts using the data established in the course of business process, and receiving order information and seller authentication information or / and order number from the buyer, if there is no order number After creating and storing together and providing the order number to the payment means (s516) (s516) order information receiving means (s515), receiving payment information and shipping information corresponding to the order number from the authorized buyer terminal and the corresponding tasks Payment means for controlling (s516), the delivery means for controlling the work required for the delivery of the ordered goods (s517), the agency costs from the payment of the goods received Cash Settlement means to deposit the amount to the mountains than it is a financial institution specified by the seller (s518); is configured to include a Buyer-centered e-commerce system, characterized in that. 27. A computer system according to claim 24, 25 or 26, Security means (s513) for securely protecting business processing information including registration information and transaction information of the e-commerce members from external intruders such as hackers and viruses; Containing more Buyer-centered e-commerce system, characterized in that. 27. A computer system according to claim 24, 25 or 26, Trader who sends / receives information for return of delivered goods, return of goods returned, compensation for damages of buyer, resolution of disputes between buyer and seller, and / or authentication of transaction facts. Further comprising a protection means (s519) Buyer-centered e-commerce system, characterized in that. The method of claim 24, 25 or 26, wherein the payment method, All types of wired / wireless network-based online payment methods such as credit card payment, mobile phone payment, electronic money payment, internet banking, internet banking, cashless payment through ATM device or financial institution, and cash payment at regional delivery center One or more of methods including payment or postpay billing; Buyer-centered e-commerce system, characterized in that. The method of claim 24, 25 or 26, The seller is a seller who is insured with a certain amount of insurance by BB as an insured in order to secure the compensation for damages caused by the agency. Buyer-centered e-commerce system, characterized in that. The method of claim 24, 25 or 26, wherein the registration means, Function to issue electronic certificates to registered buyer terminal, seller computer or delivery center terminal if necessary, evaluate and manage the credit of buyer and seller, and / or provide program modules related to the implementation of the present invention to seller computer. To include; Buyer-centered e-commerce system, characterized in that. The method of claim 31, wherein the program module, An order information transmission module for transmitting the order information and the seller authentication information and / or the order number to a BB company computer system and / or a purchaser terminal; BB company certification mark which means that it is a BB cooperative electronic shop; And BB payment means connection module that performs the function of connecting the buyer terminal to the BB computer system for payment of the ordered goods; To include; Buyer-centered e-commerce system, characterized in that. The method of claim 24, 25 or 26, Encrypting authentication information, payment information, and / or delivery information transmitted / received between the purchaser terminal and the BB computer system; Buyer-centered e-commerce system, characterized in that. The process of claim 24, 25 or 26, wherein the payment information and the delivery information are received by the payment means. Retrieving order information linked to a received order number from the received order information; Creating a web page for order confirmation, payment information, and delivery information based on the order information, buyer registration information, and seller registration information and transmitting the web page to the buyer terminal; And Receiving payment information and shipping information corresponding to the web page from the buyer; Buyer-centered e-commerce system comprising a. 35. The method of claim 34, wherein the payment information and the delivery information are received by the payment means. When the payment is confirmed, the step of transmitting the payment receipt containing the BB company certificate to the buyer terminal; Buyer-centered e-commerce system, characterized in that. 27. The method of claim 24, 25 or 26, wherein the delivery service in the delivery means, Order information transmitting the delivery instruction information to the seller computer; When the seller prepares a delivery note using the delivery instruction information and delivers it to the designated regional delivery center together with the ordered goods, the regional delivery center sends necessary information such as the recipient and final destination of the ordered goods to the order number in the delivery note. Inquiry to the computer system and delivered to the final delivery destination or handed over to the recipient visited the regional delivery center; And Transmitting the delivery result information to the BB computer system in the regional delivery center; including Buyer-centered e-commerce system, characterized in that. 37. The method of claim 36, wherein the seller delivers the goods directed to the regional delivery center. When a BB company applies for relay delivery to a regional delivery center at a particular regional delivery center, the regional delivery center includes a method for delivering to the regional delivery center specified in the delivery note on behalf of the seller. Buyer-centered e-commerce system, characterized in that. 37. The method of claim 36, wherein the delivery service in the delivery means, If the seller, BB computer system or regional delivery center instructions further comprising the step of confirming the necessary delivery information in the BB computer system or regional delivery center to deliver directly to the final destination Buyer-centered e-commerce system, characterized in that. 37. The method of claim 36, wherein the delivery service in the delivery means, If there is a request from the buyer to provide information on the current delivery process; further comprising Buyer-centered e-commerce system, characterized in that. 27. The method of claim 24, 25 or 26, wherein the seller computer provides order information and seller authentication information and / or order number to a buyer terminal. A method of generating a file of a designated format that can receive an order number from a BB computer system and storing the file in a designated area of a purchaser terminal storage device; or A method of including the purchaser terminal in a URL address provided to the purchaser terminal in order to access the BB company computer system in a redirection manner; Buyer-centered e-commerce system, characterized in that. The method of claim 24, 25 or 26, wherein the BB computer system receives the order information and the seller authentication information and / or the order number from the purchaser terminal. Receiving through a file or URL of a designated format stored in a designated area of a buyer terminal to access; Buyer-centered e-commerce system, characterized in that. 27. The method of claim 24, 25 or 26, wherein if the ordered product is a digital product, the delivery service in the delivery means, Order information transmitting the delivery instruction information to the seller computer; And Including, by the seller computer, causing the buyer terminal to download the delivered digital goods from the corresponding URL or transmit the same to the buyer terminal. Buyer-centered e-commerce system, characterized in that. 27. The method of claim 24, 25 or 26, wherein if the ordered product is a digital product, the delivery service in the delivery means, Order information transmitting the delivery instruction information to the seller computer; Transmitting, by the BB company computer system or the seller computer, the URL and / or the order number of the digital goods ordered to the purchaser terminal; And Downloading, by the buyer terminal, the digital goods after accessing the seller computer with the received URL or / and order number; Buyer-centered e-commerce system, characterized in that. 27. The delivery service according to claim 24, 25 or 26, wherein if the order goods are various service goods, Order information transmitting the delivery instruction information to the seller computer; And Providing, by the seller, the ordered service to the buyer; Buyer-centered e-commerce system, characterized in that. 27. A computer system according to claim 24, 25 or 26, Means for providing the requested information if the buyer is an authenticated member when the cooperative seller computer requests the purchaser to register the purchaser as its own member based on the information provided by the BB company computer system; Buyer-centered e-commerce system, characterized in that. 27. The system of claim 24, 25 or 26, wherein the system is Means for providing credit information to other operator computers based on the constructed personal information and credit rating information; Buyer-centered e-commerce system characterized in that it further comprises. 27. The system of claim 24, 25 or 26, wherein the system is Means for providing a cooperative seller electronic store homepage link means and / or search means to a purchaser terminal; Buyer-centered e-commerce system characterized in that it further comprises. In the e-commerce system, The system is characterized in that the buyer can perform electronic commerce even if the seller provides only the product selection signal, A plurality of devices networked in a wired / wireless communication network including a control server, one or more vendor computers and one or more purchaser terminals, The seller computer is an electronic store server that performs an electronic store function. The seller computer provides product information to a connected buyer terminal, receives a product selection signal from the terminal, and orders information and seller corresponding to the received product selection signal. Means for generating authentication information and / or order numbers to be transmitted to said purchaser terminal or / and said control server and to connect said purchaser terminal to a control server for payment; The control server, through the electronic commerce formed between the buyer terminal and the seller computer, the buyer information, the seller information, the delivery center information, the order information including the order number, the buyer and seller authentication corresponding to the order number Receiving, generating and managing information and payment information and shipping information, authentication of sellers, buyers, delivery centers and / or transactions, provision of payment methods, delivery of ordered goods, settlement of deposited goods, Services including the return function of the delivered goods, the function of returning the price of the returned goods, the compensation for damages of the buyer, the resolution of disputes arising between the buyer and the seller, the registration information and / or transaction information of the e-commerce members. Perform one or more of the security functions to protect processed information from outside intruders such as hackers and viruses Controlling means for controlling said plurality of networked devices for Buyer-centered e-commerce system, characterized in that. A computer storage medium that records computer programs. The computer program product of claim 1, wherein the computer program product is coded in a computer program language which can be executed by a computer.