KR20020094386A - An Electronic Commerce Direct Dealing Solution with Guarantee Method of Confidence and Instant Messaging - Google Patents

Abstract

PURPOSE: A direct EC(Electric Commerce) solution using the intermediate security payment and the instant messaging is provided to secure the one-to-one direct transaction by using a DIM(Direct Instant Messenger) program, to offer a transaction service available on the general transaction site, to disperse the valuable information, and to offer an effective and safe electronic commerce service by using the intermediate security payment function. CONSTITUTION: A DIM is installed in a PC and/or a wireless terminal of a user. The DIM is run, and the basic information about the user is applied to the DIM(100,101). The DIM is set up in a standby mode to make possible the connection of another DIM user by using the basic information. The user of the DIM in the standby mode opens a transaction room on the DIM for the purchase and/or sale of an article and/or a service(111). The other user is connected to the transaction room for the purchase and/or sale of the article and/or the service(113). If a transaction is accomplished, the money for the transaction is put on an intermediate security payment gateway for the payment(118,121). If a trouble or an accident occurs, the payment is deferred.

Description

An Electronic Commerce Direct Dealing Solution with Guarantee Method of Confidence and Instant Messaging}

The present invention relates to electronic commerce using the Internet, and more particularly, based on instant messaging technology, using a DIM program that does not require an intermediate management server to guarantee true 1: 1 direct transactions between trading parties, E-Commerce Direct Transaction using Intermediate Guarantee Payment and Instant Messaging to provide efficient and safe e-commerce services by providing transaction services available on existing trading sites and securing transaction stability with an intermediate guarantee payment processing function. It's about the solution.

In general, instant messaging is an instant messenger (IM) program that sends and receives messages on the Internet in real time.

To exchange a message through an existing IM, first connect to a company that creates and distributes the IM, then sign up, and download and install the IM on a PC.

After installation is complete, you need to log in to the aforementioned company through IM before you can use it.

The company manages the personal information and connection management (with or without access) of the members, and manages all users in the middle position between users.

What can be done through the existing IM is mainly used as a simple entertainment function of the individual, such as chat, message transmission.

If users using existing IMs want to do business, the method only exchanges goods / services through chat, and the use of existing IMs is extremely insignificant. Is being done through.

Currently, in order to trade between individuals on the Internet, the traditional method is to access and subscribe to one of many auction / reverse auction sites.

These sites allow you to trade in the middle broker position between trading partners, but in practice, providing a trading place is only the main service, and the main source of income is to take a certain amount of the transaction in the form of a transaction linkage fee. Naturally, this fee must be included in the price of the goods / services.

The key problem with these sites is that they can't guarantee transaction stability. As a result, problems arise in the justification of the transaction fee.

For example, first of all, these sites are not able to turn to problems between trading parties and offer no clear solution if there is a problem with the transaction.

This problem cannot be solved without fundamental improvement of the trading method, such as substitution with a payment method that can improve the trust between the two parties, such as intermediary guarantee settlement.

Unlike offline, in the context of non-face-to-face transactions, e-commerce, this will be true for business-to-person, business-to-business transactions, as well as for interpersonal transactions, where it is particularly impossible or uncertain between parties to verify trust.

Second, these sites collectively manage all transaction information, trader information, etc., and because of the value of the concentrated information, there is a high risk that such information will be hacked by hackers, and if hacked, the damage will be high.

In fact, in the United States, hacking damage cases of large-scale e-commerce (auction sites, etc.) have been reported in the media, and the damages known to the media reports are only a small part of the actual damages and the scale, according to the testimony of the workers in the industry. Can be.

Not only in the United States, but also in Korea and globally, there is no exception from this risk of damage, unstable trade and untrusted situations.

Therefore, the present invention was devised to solve the above-mentioned problems, and guarantees a true 1: 1 direct transaction between trading parties using a DIM program that does not require an intermediate management server based on instant messaging technology. By providing transaction services available on existing trading sites on DIM, distributing valuable information such as transaction and financial information by the composition and method of transactions in addition to the existing security technology, and securing transaction stability by interim guarantee payment processing function. The purpose is to provide an efficient and secure e-commerce service.

1 is a block diagram showing the hardware applied to the e-commerce direct transaction solution using the interim guarantee payment and instant messaging of the present invention,

Figure 2 is a direct trading solution of the present invention DIM users who want to buy / sell goods and / or services in the process of opening a "trade room" for purchase and / or sale and another DIM connected to the "trade room" opened An operation flowchart showing a transaction process with a user,

3 is an operation flowchart illustrating a process in which a DIM user who wants to purchase / sell goods and / or services by using a direct trading solution of the present invention connects to a “trade room” of another DIM user for purchase and / or sale;

4 is an operation flowchart showing a process of receiving an intermediary warranty payment processing request and receiving a processing result for payment for a transaction with a direct transaction solution of the present invention;

FIG. 5 illustrates a process of requesting a refund / suspension from the intermediate guarantee payment PG by a DIM user who purchases goods and / or services when a problem occurs in goods, and / or services or delivery, etc. The operation flow chart shown.

<Explanation of symbols for the main parts of the drawings>

10: Internet 20: Multiple Computers

30: a plurality of wireless terminals 40: authorized server

50: Intermediate guarantee payment PG (server) for credit / transaction guarantee

60: financial company server

E-commerce direct transaction method using / applying interim guarantee payment and instant messaging of the present invention for achieving the above object,

A user who downloads and installs a DIM, installs it on a personal computer (personal computer hereinafter referred to as a PC) and / or an Internet connection / useable wireless terminal of a person who wants to trade using the DIM. A first step of directly inputting basic information (user name, connection information, etc.) of the PC through a keyboard or the like of a PC or a pen input device of a wireless terminal, or reading the basic information through a file and setting (applying) the DIM;

A second step of setting or setting the DIM to a standby mode to allow another DIM user to access using the basic information of the DIM user set (applied) in the first step;

A third step of opening a trading room on the DIM for the sale and / or purchase of goods and / or services by a user of the DIM set to the standby mode in the second step;

A fourth step of accessing a trading room opened in the third step for the sale and / or purchase of goods and / or services by a user of the DIM set to the standby mode in the second step;

The DIM user who establishes a trading room for sale and / or purchase of goods and / or services in the third process (hereinafter referred to as the establisher) and the sale and / or purchase of goods and / or services in the fourth process For this purpose, a plurality of DIM users (hereinafter referred to as accessors) who access the establisher's trading room transact through the establisher's trading room and, when the transaction is concluded, settle the payment for the transaction using the transaction processing function of the trading room. A fifth step of requesting a payment processing request from a guarantee settlement payment relay server (hereinafter referred to as PG);

The intermediary guarantee payment PG that received the payment processing request in the fifth step transmits the response to the request and the response to the establisher's trading room with the transaction number, and the PC and / or the wireless terminal on which the DIMs of the trading parties are installed. A sixth step of completing the first transaction by storing the encrypted file;

In the first transaction completed in the sixth step, if there is a problem with the status and / or delivery of goods and / or services, the purchased DIM user may use the "refund / payment request function" of the DIM. And a seventh process of performing / processing operations such as accessing the intermediate guarantee payment PG and requesting a refund / payment suspension.

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

Hardware to which the electronic commerce direct transaction solution using the interim guarantee payment and instant messaging according to the present invention is applied is referred to as a predetermined transmission control protocol / Internet protocol (TCP / IP) as shown in FIG. Internet 10, which is a data communication network based on; After downloading the DIM installation program through the Internet (10) from the website where the DIM installation program exists or by downloading or installing a file exchange means such as mail, FTP, etc., obtain predetermined information and use the desired targets, respectively. A plurality of computers 20 to make; After downloading and installing the DIM through the Internet 10, a plurality of wireless terminals 30 to obtain predetermined information and each of the desired targets; The targets are connected by converting the connection information of the DIM installed in the plurality of computers 20 and / or the plurality of wireless terminals 30 and the transaction information established in the DIM into a database (hereinafter referred to as a DB). Authorized server 40 that can be used to directly upload (Upload) or download (Download) information, trading room information and the like; Intermediate warranty payment PG for processing payment processing, refund / payment stop request processing, etc. of transactions made through the DIM trading room installed in the plurality of computers 20 and / or the plurality of wireless terminals 30 ( 50); And a financial company server 60 connected to the intermediate guarantee payment PG 50 through a dedicated network to manage actual financial affairs for the payment processing request and notify the intermediate guarantee payment PG 50 of the response to the payment processing request. It is composed.

The plurality of computers 20 and / or the plurality of wireless terminals 30, the authorized server 40, and the intermediate guarantee payment PG 50 are connected to each other to allow predetermined data communication through the Internet 10. The intermediary guarantee settlement PG 50 and the financial institution server 60 are connected to each other through a dedicated dedicated network such as a value-added network (VAN).

In order to use the e-commerce direct transaction solution using the intermediate guarantee payment and instant messaging of the present invention applied to the hardware of such a configuration, first, the DIM is downloaded to the computer 20 and / or the wireless terminal 30 of FIG. 1 as described above. You need to install it.

2 is a process for establishing a trading room by a DIM user (founder) who wants to sell or purchase goods and / or services by opening a trading room with the direct trading solution of the present invention, and accessing the trading room to the goods and / or services. Is a flowchart showing a transaction process with a DIM user (accessor) who wants to sell or buy a product.

As shown in this figure, the DIM is executed in step 100 to read the personalization file information in step 101, and then, in step 102, it is determined whether information to be read in the personalization file exists. If information exists in the personalization file, the state of the DIM is set to the information present in step 103.

On the other hand, if the information does not exist in step 102, after receiving the user's information (access information, his name, etc.) through the keyboard, pen input device, etc. in step 104, and save and input in the form of a personal setting file Set the status of the DIM with the received information.

As in step 103 or step 104, the state of the DIM is set to basic information, and in step 105, the socket listening state and the standby mode are set so that other DIM users can connect. In step 106, predetermined transaction information (article and / or service name, price, etc.) is inputted to establish a transaction.

In step 107, if it is determined whether to upload the transaction information to the authorized server 40 to select the upload, in step 108 generates a connection socket for connection with the authorized server, the authorized server 40 And the uploading the information in step 109, and then disconnected from the authorized server 40 in step 110, in step 111 to create a trading room and request the connection of the visitors who want to access the trading room Set the trading room to standby for processing.

On the other hand, if the information is not uploaded to the authorized server 40 in step 107, the transaction is created in step 111, the transaction room in the standby state for the connection request processing of the visitors who want to access the transaction room Set it.

After the transaction is set to the standby mode in step 111, if there is no connection request from the accessors in step 112, return to step 111 to maintain the standby mode, if there is a connection request, step 113 After connecting and creating a connection socket and the requester requested in step 114, the connection request and the connected connection and the current transaction status, goods and / or service information to the connected user.

In step 115, the establisher and the visitor exchange information and trade terms and the like on the goods and / services through a series of communication activities such as chat and file exchange, and negotiate a price.

In step 116, the price of the goods and / or services of the visitor is determined, and if the sale price or the purchase price is not presented, the process returns to step 115 to continue the information exchange on the goods and / or services.

On the other hand, when the visitor presents the purchase price or the sale price in step 116 and the presented price is the highest price or the lowest price, in step 117, the establisher's trading room indicates that the suggested price is the highest price or the lowest price. In step 118, the founder determines whether there is a willingness to enter into the transaction at the above-mentioned price, and if there is no intention to enter into the transaction, returning to step 116 to determine other price offers of the visitor; In 119), the establisher indicates to the trading room that the transaction has been concluded so that the visitor can know that the transaction has been concluded, and then disconnects the trading room of other DIM users except for the relevant trader (hereinafter referred to as the trader). Let's do it.

In step 119, after disconnecting the trading room of other visitors except for the trading accessor, in step 120, the trading accessor or the establisher inputs the financial information, and in step 121, through the establishment's trading room. Request the payment processing for the transaction to the DIM payment request processing daemon process of the intermediary guarantee payment PG 50, and receives a response to the request from the daemon process with a transaction number, etc., in step 122 And stored in the form of an encrypted file in each PC 20 or wireless terminal 30 in which the establisher's DIM is installed, and in step 123, the establisher closes the transaction room and releases the connection with the trade connection accessor. Next, the DIM ends.

3 is a flowchart illustrating a process of accessing the establisher's trading room by the direct trading solution according to the present invention. After executing the DIM in step 200, the personal setting file information is read and then read into the personal setting file. It determines whether there is information to come and sets the state of the DIM to the existing information when the information exists in the personal configuration file.

If the information does not exist, the user's information (access information, his name, etc.) is input through the keyboard, pen input device, etc., and then stored in the form of a personal setting file and the state of the DIM is set using the input information.

As described above, in order to set the state of the DIM as the basic information and to allow other DIM users to access, the socket listening state, the standby mode, and the direct connection are determined in step 201. If the DIM user's connection information (IP address, port number, etc.) is known, the connection information is input to the keyboard, pen input device, etc. in step 207 to create / connect a connection socket in step 208. .

On the other hand, if the connection information of the object to be connected and / or the object to be connected in step 201 is unknown, in step 202 creates a connection socket for connection to the authorized server 40 and connect.

After searching for the object to be connected in step 203, the connection information and / or a plurality of connection information lists of the connection object are downloaded, and in step 204, the display device of the computer 20 or the wireless terminal 30 is opened. Display on the DIM, and in step 205 select the target to be connected from the list of connections to connect in step 208, and at the same time release the connection to the authorized server 40 in step 206.

As described above, the connection is made with another user's DIM, and in step 209, the connection is determined to be successful. If the connection is not successful, the method returns to the step 201. If the connection is successful, the connection target is received in step 210. Information on the current state of the DIM (transaction room, number of users, chat room information, etc.) is requested, and information of the connection target DIM is displayed on the connected DIM in step 211 according to the contents of the response.

In step 212, the visitor accesses the desired trading room with the information displayed in step 211, etc., and makes a transaction, and after the transaction is completed, the computer 20 in which the accessor's DIM is installed in step 213, or Stored in the wireless terminal 30, the standby mode is released in step 214 and the DIM ends.

4 is a flowchart showing a response to the processing and processing of the case in the intermediary guarantee payment PG for the payment processing request and / or refund / stop payment request to the intermediary guarantee payment PG with the transaction solution of the present invention As shown in step 300, the intermediary guarantee settlement PG manager or the like executes the "DIM payment request processing program" in the intermediary guarantee settlement PG 50 at step 300 to execute the DIM settlement request processing daemon process at step 301. After creation, in step 302 it is set to a listening state for the connection request processing of the DIM.

After being set to the listening state, in step 303, it is determined whether there is a connection request from the DIM, and if there is a connection request of the DIM, in step 304, a connection socket is created and connected to the connection requesting DIM, and in step 305 After decrypting the payment processing request text and / or refund / payment request text from the connected DIM, the processing request information decoded in step 306 and the transaction number for the request are assigned and / or searched to obtain an intermediate guarantee payment PG ( Save / change to 50) database.

After storing and / or changing the transaction information as described above, a card authorization and / or a bank transfer request message and the like are generated in step 307, and a card approval and / or bank transfer request message and the like generated in step 308. To the process in the intermediary guarantee settlement PG 50, that is, the process of exclusively processing the card approval and / or account transfer request to the financial institution server 60, and the dedicated process is an intermediate guarantee settlement PG 50 and the financial institution server ( The resultant value is received in step 309 through a predetermined data communication operation such as a card approval and / or an account transfer processing procedure call, etc. using a dedicated network such as a VAN connected to 60).

As described above, by checking the processing result received from the financial institution server 60, and determines whether or not the normal processing in step 310, in the case of normal processing to generate the normal processing full text in step 311, if not normal processing step At 312, generate the full text of the processing error.

In step 313, the full text generated in step 311 or step 312 is transmitted to the connection request and the connected DIM together with the transaction number, and in step 314 to the database of the intermediate guarantee settlement PG 50. After logging / changing, the connection with the DIM is released and the process returns to the listening state.

5 is an intermediate guarantee payment PG (50) on the DIM by the founder or the transaction accessor who purchased the goods and / or services and made an interim payment in case of a defect or delivery of the goods and / or services traded with the direct transaction solution of the present invention. ) Is a flowchart showing the operation of requesting payment stop and / or refund.

As shown in FIG. 4, after the DIM is executed in step 400 to read the personalization file information, it is determined whether the information to be read in the personalization file exists and if the information exists in the personalization file. Set the status of the DIM with the

If the information does not exist, the user's information (access information, his name, etc.) is input through the keyboard, pen input device, etc., and then stored in the form of a personal setting file and the state of the DIM is set using the input information.

After setting to the standby mode as described above, the establisher or the transaction accessor in step 401 to retrieve the transaction stored in the form of a file in the computer 20 or the wireless terminal 30 in step 122 of FIG. In step 402, it is displayed on the DIM, and the specific transaction details (transaction number, etc.) in which an accident is selected from the details displayed in step 403 are selected.

In the next step (404) to raise the issue and select whether or not to request the settlement of the incident, such as payment suspension / refund, and in step 405 to enter / save the accident occurrence history and stop / refund request.

In the next step (406), the DIM of the establisher or the trade accessor generates a full text of the incident processing request, such as a refund / suspension, including a transaction number, and in step 407, the DIM payment request processing of the intermediate guarantee payment PG (50). It sends and receives a connection request to the daemon process and the message generated by connecting.

The response received as described above is stored in the form of an encrypted file, etc. in the computer 20 or the wireless terminal 30 of the establisher or the transaction access user in step 408, and the intermediate payment PG (50) in step 409 ), Then exit DIM.

As described in detail above, the e-commerce direct transaction solution using the interim guarantee payment and instant messaging according to the present invention is a transaction through a DIM trading room, and there is no need for an intermediary broker, such as an Internet website, to have a 1: 1 physical relationship between trading parties. It is possible to make direct transactions between trading partners in online transactions, auctions, reverse auctions, reduce the risk of information hacking by distributing information, and secure transaction safety through an interim guarantee system. It works.

In other words, it is convenient to conduct e-commerce / entertainment / communication at the same time, it is possible to proceed with real-time transaction and result immediately, it has the effect of transaction independence and clarity of responsibility without intervening broker, and distribution of information. server) and / or trading parties can freely extinguish the transaction (financial) information by owning the transaction information and closing the transaction, thereby minimizing the relative value of the information, thereby creating a structural security effect against the risk of hacking.

Although described as a person-to-person transaction, it can be extended to a business-to-person, business-to-business deal.

Although the present invention has been described in detail only with respect to specific examples, it will be apparent to those skilled in the art that various changes and modifications can be made within the spirit of the present invention, and such changes and modifications will be within the scope of the appended claims.

Claims (4)

After downloading the DIM and installing it on a personal computer (personal computer, hereinafter referred to as a PC) and / or an internet connection / useable wireless terminal of the person who wishes to trade using the DIM, run the DIM to download and install the DIM. The first step of receiving basic information of the user (user name, connection information, etc.) directly from a PC keyboard or a pen input device of a wireless terminal or reading the basic information through a file and setting (applying) the DIM. ; A second step of setting or setting the DIM to a standby mode to allow another DIM user to access using the basic information of the DIM user set (applied) in the first step; A third step of opening a trading room on the DIM for the sale and / or purchase of goods and / or services by a user of the DIM set to the standby mode in the second step; A fourth step of accessing a trading room opened in the third step for the sale and / or purchase of goods and / or services by a user of the DIM set to the standby mode in the second step; The DIM user who establishes a trading room for sale and / or purchase of goods and / or services in the third process (hereinafter referred to as the establisher) and the sale and / or purchase of goods and / or services in the fourth process In order for a plurality of DIM users (hereinafter referred to as accessors) to access the establisher's trading room to make a transaction through the establisher's trading room, and when the transaction is concluded, the payment for the transaction is performed using the transaction processing function of the trading room. A fifth step of requesting payment processing from the guarantee settlement PG; The intermediate guarantee settlement PG, which received the request for payment processing in step 5, transmits the response to the request and the response to the establisher's trading room together with the transaction number and encrypts the PC and / or the wireless terminal on which the trading parties' DIM is installed. A sixth process of completing the first transaction by storing the file as a file; In the sixth transaction, if a problem / accident occurs in the status and / or delivery of the goods and / or services, the purchased DIM user may request the "refund / payment request function" of the DIM. An e-commerce direct transaction solution using / applying interim payments and instant messaging, comprising a seventh process of performing / processing operations such as accessing an interim warranty payment PG and requesting a refund / pause. The method of claim 1, The fifth process, When a certain users are connected to the trading room, they use the chat (video, voice, general) function, product picture, video display, and mail transmission function of the trading room to perform transaction communication such as inquiries and answers about goods and / or services. , If the visitor is willing to buy or sell, enter that price. For trading room visitors, only their own price and the highest and lowest price of the current transaction are displayed on the screen. The e-commerce direct trading solution using / applying interim guarantee payment and instant messaging, characterized in that the price of all the connected people are displayed on the screen of the transaction establishment. The method of claim 1, The sixth process, DIM makes the financial information (credit card number, account number, etc.) and transaction amount of the trading parties into a certain format (message) and delivers it to the processing process of the intermediate guarantee payment relay server (called PG under Payment Gateway). Request processing, The processed results are stored in encrypted files on the trading partners' PCs or Internet-enabled wireless terminals, E-commerce direct transaction solution using the interim-guaranteed payment and instant messaging, which can be searched by the function such as "view transaction details" of DIM. The method of claim 1, The third process and the fourth process, This is a process of accessing and opening a DIM trading room, and a database of network information (IP address, port message, etc.) for connecting between DIM users and transaction room information (item / service price, etc.) for DIM transactions on an authorized server. (DB) an e-commerce direct transaction solution using / applying interim guarantee payment and instant messaging, which can be processed, searched, and / or uploaded / downloaded.