KR20030006616A - Electronic commerce for telecenter and recognition of credit card - Google Patents

Abstract

PURPOSE: An electronic commerce method is provided to enable a tele-center to receive goods data, a part of a secret number of a credit card, a mobile phone number and a resident registration number, and to transmit the received data to a credit card company for enabling a user to pay for the goods with a credit card so that it can realize a reliable electronic commerce. CONSTITUTION: The method comprises several steps. A tele-center requests an accessing customer to input customer data like goods data, a part of a secret number of a credit card, a mobile phone number and a resident registration number(S22). The tele-center stores the customer data at a host server and transmits the customer data to a credit card company for requesting the credit card company to offer basic data for a credit card approval(S25). The tele-center receives the basic data from the credit card company, and requests the customer to input numbers of a specific part of a credit card number(S26). If the numbers, input by the customer, are the same as those included in the transmitted basic data, the tele-center requests the credit card company to process the payment(S27). If the transaction approval code and a delivery destination address are transmitted from the credit card company and the host server, the tele-center transmits the purchase result to the customer by an SMS(Short Message Service) communication(S29), and requests a delivery center to deliver the purchased goods to the destination place(S30).

Description

ELECTRONIC COMMERCE FOR TELECENTER AND RECOGNITION OF CREDIT CARD}

The present invention relates to an electronic commerce using a telecenter and credit card approval, and more specifically, payment can be made by receiving a customer's designated product, a part of the card password and a mobile phone number, and a social security number on a wired or wireless network. The telecenter and credit card approval to ensure that the e-commerce is activated and that the e-commerce can be activated by ensuring that the information in the delivery center, supplier and credit card company is linked in the telecenter at the time of delivery. It relates to electronic commerce using.

In general, in an electronic commerce using the Internet, when a product is searched for and placed on an order, the payment method for the purchased product is a non-payment deposit method that requires depositing cash to a bank designated by a website selling the product, and also a small settlement institution. There is a credit point method (e-money, cyber-money, etc.) and credit card that are provided according to the customer's certain actions or procedures in a designated way through a certain contract.

Here, the existing credit card method, through the input window displayed on the website, the personal information (card number full, home address, social security number, name, etc.) necessary for the credit card payment again, even if the existing member as a whole Since there is a risk of hacking at the time of inputting and transmitting the personally identifiable information after re-entry, there is a problem that personal information may be exposed and disadvantaged.

In addition, in the conventional electronic commerce using the Internet, when a product is purchased, a customer directly selects an image in the website of the communication seller's website and delivers the same product as the selected image within a certain time.

However, it was difficult for a teleseller to reach the customer properly when there was no balance on the same image on the website, and due to the communication error between the supplier and the teleseller, it was completely different from the imaged product requested by the customer. There was a problem that the goods are delivered.

In addition, there is a problem that the customer is not satisfied with the service due to the improper communication of the product delivery between the supplier and the delivery center due to the accurate delivery and time delay to the address where the customer resides.

The present invention has been made in order to solve the above problems, by receiving the customer's designated product, part of the card password and mobile phone number, social security number on wired and wireless transmission to the credit card company to make a payment, upon delivery In order to ensure reliable and stable e-commerce by connecting the information of the delivery center, suppliers, and credit card companies in the telecenter, and to activate e-commerce by linking the delivery center, suppliers, telecenters and credit card companies. The aim is to provide electronic commerce using telecenter and credit card authorization.

According to the present invention, in the electronic commerce using a telecenter and credit card authorization, the product information, social security number, card type, part of the card password, from the purchase customer connected to the client telecenter by wired or wireless, After the purchase information request step for requesting the customer information of the mobile phone number (S22) and the customer information and the product information input by the purchase information request step (S22), the client telecenter stores in the host server, the corresponding credit The card information request step of transmitting the customer information to the card company server requesting basic data for card approval (S25), and when the card basic data is received from the credit card company server by the card information request step (S25), it corresponds to the purchase customer. The card information request step of requesting the client telecenter server to input a predetermined number of card numbers (S26), and the card information request step (S26). If the card number input to the host server and the card number received from the credit card company server and the card approval request step to request the payment of the cost of the corresponding product to the credit card company server (S27), the card approval request step ( S27) when the authorization number and the mail receiving address is received from the credit card company server in the host server, the purchase result is notified by SMS text message to the purchaser's mobile phone, and when the rejection details are received in the host server, the purchaser's mobile phone is sent to the host server. The result notification step to notify the rejection of the approval by SMS text message (S29), and when the approval number is received in the card approval request step (S27) to send the product information and the delivery address information to the server of the shipping center to the delivery center When the approval number is received to the host server in the delivery request step (S30) and the card approval request step (S27) to deliver the goods from the The delivery notification step of sending the order history to the communication seller server and the supplier server to issue a waybill (S31), and the delivery center server receiving the delivery contents by the delivery request step (S30), purchases the goods from the corresponding supplier to the buyer. It is achieved by the delivery step (S32) to be shipped.

1 is a schematic block diagram of an electronic commerce using a telecenter and credit card approval according to the present invention,

2 is a flowchart of an electronic commerce using a telecenter and credit card approval according to the present invention,

3 is an embodiment of an electronic commerce using a telecenter and credit card approval according to the present invention,

4 is a business process of electronic commerce using a telecenter and credit card approval according to the present invention.

Description of the main part codes according to the drawings

10; Purchase customer telephone 20; Telecenter server

30; Host server 40; Customer Management DB

50; Product information 60; Mail order server

70; Delivery center server 80; Supplier Server

90; Credit card company server

Hereinafter, an electronic commerce using a telecenter and a credit card approval according to the present invention will be described in detail with reference to the accompanying drawings. 1 is a schematic block diagram of an electronic commerce using a telecenter and credit card approval according to the present invention, FIG. 2 is a flowchart of an electronic commerce using a telecenter and credit card approval according to the present invention, and FIG. An embodiment of an electronic commerce using a telecenter and credit card approval according to the present invention, Figure 4 is a business processing procedure of the electronic commerce using a telecenter and credit card approval according to the present invention.

As shown in FIG. 1, the electronic commerce using the telecenter and credit card approval is performed by the purchaser's telephone 10, the client telecenter server 20, the host server 30, and the delivery center server as a whole. 70, an article supply company server 80, a credit card company server 90, a communication sales company server 60, and the like.

First, the buyer designates a product to be purchased through the Internet or other catalog of the communication seller, and the customer's wired and wireless telephone 10 to the customer's wired and wireless telephone 10 to order the product to the telecenter server 20 Inform.

Then, the client telecenter server 20 is connected to the host server 30 to query the information of the goods, to enter the information of the buyer for payment to the host server 30, the credit card company server 90 and Request the credit card authorization request and the authorization number, send the goods data to the delivery center and supplier to instruct the delivery, the delivery process through the text message and e-mail on the buyer's mobile phone information to the purchase customer phone (10) It serves to inform.

In addition, the telecommunications sales company server 60 supplies the host server 30 with the catalog and information of the goods handled by the company, and check the deposit data in connection with the server 20 of the telecenter. Then, the delivery center server 70, the product supplier company 80 receives the delivery information according to the order history, and issues a waybill and receipt.

The host server 30 inputs the product information 50 specified by the communication seller server 60, builds a customer management DB 40 by accepting the buyer's information, accesses the credit card company and accepts credit card approval, Receive a phone / address and ask for credit card information. In addition, it is possible to check the balance of the goods based on the goods built on the host server itself, and access to the delivery center server 70 and the supplier's server 80 to send the delivery request data, specify the vendor / supplier, receive the waybill number, purchase It should play a role in creating data.

On the other hand, the delivery center server 70 and the supplier server 80 to register its information by a certain service contract with the communication vendor server 60, and connected to the host server 30 at the time of delivery and supply of goods Enter the status of commodity supply from time to time.

When the credit card company server 90 enters the card approval data of the purchaser in the telecenter server 20, the credit card company server receives the input data, provides the information of the credit card, and issues the acceptance and approval number of the credit card. When the delivery is completed, the purchaser receives the purchase data and notifies the telecenter server 20 of the processing result.

As shown in FIG. 2, the flow chart according to the electronic center using the telecenter and the credit card approval is sequentially performed, the purchase information request step S22, the card information request step S25, the card information request step S26, and the like. The card approval request step (S27), the result notification step (S29), the delivery request step (S30), the delivery notification step (S31), the delivery step (S32), the delivery completion step (S33).

First, the purchase information request step (S22) is a step of requesting customer information, such as product information, social security number, card type, part of the card password, mobile phone number from the customer who connected to the client telecenter, either wired or wireless to be.

The wired and wireless communication means is to use a mobile phone, the Internet, a landline phone, and the card password in the purchase customer's information to receive only two digits in consideration of the customer's information exposure.

At this time, in the host server, a balance inquiry step (S24) for checking whether a product designated by the buyer has a balance is set. When there is no balance of the goods, the buyer is notified through the telecenter, and other products are recommended or introduced.

In addition, the card information request step (S25) stores the customer information and product information input by the purchase information request step (S22) in the host server, and then transmits the customer information to the corresponding credit card company server card This step is to request basic data for approval.

The card information request step (S26) is a step for requesting a client to input a predetermined number of digits of the corresponding card number to the client telecenter server when the card basic data is received from the credit card company server by the card information request step (S25).

To the purchase customer, the client telecenter receives the 4 digits of the back number of the credit card by wired or wireless communication means.

In the card approval request step (S27), when the card number input to the host server by the card information request step (S26) matches the card number received from the credit card company server, the payment of the corresponding purchase product is transferred to the server of the credit card company. It is a step to request.

At this time, the card number input by the credit card company and the purchaser to determine whether the correct, and whether the incidentally stopped or credit card bad creditor after requesting the payment to the credit card company server.

In the result notification step (S29), when the authorization number and the mail receiving address are received from the credit card company server by the card approval request step (S27) to the host server, the purchase result is notified by SMS text message to the purchaser's mobile phone, and the approval is rejected. When the details are received by the host server, the mobile phone of the purchaser may notify SMS rejection of the approval rejection details.

In the step S29 of the result notification, the notification of the text message is carried out through the Internet of the purchaser, the mobile phone, and the PDA. Since the individual can receive the information promptly, the psychology of the buyer is stabilized after the order of the product, Relieve impatience.

The delivery request step (S30) is a step for transmitting the product information and the delivery destination information to the server of the delivery center when the authorization number is received in the card approval request step (S27) to deliver the goods from the supplier.

In addition, the delivery notification step (S30) is a step for issuing the waybill by transmitting the order details to the communication server and supplier server when the authorization number is received to the host server in the card approval request step (S27).

The delivery step (S32) is a step for the delivery center server receiving the delivery contents by the delivery request step (S30) to deliver the goods to the buyer from the supplier.

After the delivery step S32 is completed, the delivery completion step S33, which is a payment method between the companies, delivers the goods designated by the buyer by the delivery step S32, and then the delivery center server accesses the host server. Step to notify the courier information and delivery completion information, and to confirm the payment data to the carrier.

In addition, the delivery completion step (S33) is a card payment notice step (S34) and the final payment confirmation step (S35). The card payment notification step (S34) generates the purchase data and the transport processing results in the host server with the courier information and the delivery completion notification information received by the host server in the delivery completion step (S33), and the purchase data and transportation In this step, the credit card company's server is notified of the processing result to allow the final approval.

In the final payment confirmation step (S35), the credit card company transmits the payment processing result to the telecenter server by the delivery completion step (S33), and the telemarketer confirms the payment, and inquires the payment settlement details to the telecommunication sales company server. This step allows you to enter deposit data.

In the embodiment of the electronic commerce using the telecenter and credit card approval according to the present invention, as shown in Figures 3 and 4, when the buyer first applies for the purchase of goods over the wired or wireless telephone (S41), the telecenter In the product is received by telephone (S42).

The center asks the buyer to input the resident number and card type, the card password 2 digits, and the mobile phone number, and receives the customer's information from the telecenter (S43). The telecenter receives the received customer's information. Store in the customer information DB on the host server (S45), and transmits the information to the server of the customer's credit card transaction (S46).

Accordingly, the credit card company encrypts the information of the credit card, and transmits the information on the credit card of the other buyers (S47). When the above information is stored on the host server, the credit card authorization number is stored and the order is completed (S48).

In addition to the completion of the order, the telecenter notifies the buyer of the text message of the order completion (S50), and designates the delivery center and the supplier on the host server (S49). If a delivery center and a supplier are designated on the host server (S49), the order is sent to the communication seller, and the communication seller issues a waybill and a receipt (S51). At the same time, the mail-order seller who received the delivery information instructs the transportation (S52).

When the delivery information is transmitted to the delivery center and the product provider, respectively, the invoice and the receipt are issued (S53), and the buyer is notified with a text message together with the delivery / delivery commencement (S54).

After the delivery / delivery commencement to the buyer, the buyer is notified with a text message (S54), and the delivery of the correct goods to the gradient is completed.

After the completion of the delivery, the settlement process associated with each company first checks whether the product is correctly delivered to the buyer and the product is properly received (S60). If the product is not properly received and the order and other goods have arrived or damaged, the telecenter reconfirms the product information (S61).

When the product is properly received in the above process, the delivery center receives the delivery information and notifies the host server of the delivery completion (S62). The host server, which has collected the delivery completion, receives the waybill number and generates the purchase data (S63).

The host server notifies the credit card company server of the generated purchase data and the result of the delivery process (S64). Accordingly, the credit card company pays the payment based on the received purchase data and the processing result, and the telecenter goes through a check / payment process of the payment settlement details to confirm whether the correct payment has been received (S65).

If the information on the payment settlement is correct in the telecenter, the payment data is sent to the communication seller, and the communication seller checks the payment data (S66).

According to the present invention, an electronic commerce price such as payment, information exchange, and delivery can be conveniently connected directly with a credit card company, a delivery center, and a goods supplier of a customer by a telecenter server for a designated product that a customer wants to purchase. It can be done quickly and accurately, and also solves the customer's anxiety about information exposure by requesting the card company to inquire the card company by collecting only a small part of the customer's card password, mobile phone number and social security number from the telecenter. By receiving a small number of information and encrypted information sent to the credit card company associated with the company can minimize the risk of hacking and exposure of information. In addition, the telecenter allows customers to quickly deliver accurate information to each credit card company, delivery center, and supplier through text messages and e-mails, and to ensure stable e-commerce by sharing the role of each company. There is.

Claims (5)

In e-commerce using telecenter and credit card authorization, Purchase information request step of requesting the customer information of the product information, social security number, card type, part of the card password, mobile phone number from the customer who has connected to the client telecenter by wire or wireless (S22), The client information and the product information input by the purchase information request step (S22), the client telecenter stores the host server, and then transmits the customer information to the credit card company server to request the basic data for card approval Request step (S25), When the card basic data is received from the credit card company server by the card information request step (S25), the card information request step of requesting the purchaser to input the predetermined digits of the corresponding card number to the client telecenter server (S26); If the card number input to the host server by the card information request step (S26) and the card number received from the credit card company server and the card approval request step of requesting the server of the credit card company for payment of the purchase price; (S27), When the authorization number and the mail receiving address are received from the credit card company server by the card approval request step (S27) by the host server, the purchase result is notified by SMS text message to the purchaser's mobile phone, and when the rejection details are received by the host server. And the result notification step to notify the SMS customer message of the rejection of the approval to the customer's mobile phone (S29), When the approval number is received in the card approval request step (S27) and the delivery request step for transmitting the product information and delivery address information to the server of the delivery center to deliver the goods from the supplier (S30), When the approval number is received by the host server in the card approval request step (S27) and the delivery notification step to send the order details to the communication seller server and the supplier server to issue a waybill (S31), The delivery center server receiving the delivery contents by the delivery request step (S30) comprises a delivery step (S32) to deliver the goods from the supplier to the buyer e-commerce using a credit card authorization . The method of claim 1, In the purchase information request step (S22), the client telecenter connects the DB of the customer inputted to the host server to the server of the product supplier to determine whether the product designated by the customer is the allowed product listed in the list, E-commerce using a telecenter and credit card authorization further comprises a balance inquiry step (S24) for inquiring the product balance of a limited quantity. The method of claim 1, After delivering the goods specified by the buyer in the delivery step (S32), the delivery center server connects to the host server to notify the courier information and delivery completion information, and the delivery completion step to check the deposit data to the communication seller (S33) E-commerce using a telecenter and credit card authorization, characterized in that it further comprises a). The method of claim 3, wherein The purchase server and the delivery processing result are generated from the host server using the parcel delivery information and the delivery completion notification information received by the host server in the delivery completion step (S33), and the server of the credit card company is notified of the purchase data and the delivery processing result. Telecom and e-commerce using a credit card approval, characterized in that it further comprises a card payment notice step (S34) for the final payment approval. The method of claim 3, wherein In the delivery completion step (S33), the credit card company transmits the payment processing result to the telecenter server, the telemarketer confirms the payment, and checks the payment settlement details to input the payment data to the communication seller server E-commerce using a telecenter and credit card authorization, further comprising a step (S35).