KR20030077210A - Method for settling up accounts by proxy on-line - Google Patents

Abstract

PURPOSE: A method for a payment by proxy on the Internet is provided to execute a commodity purchase when a proxy payer executes a payment on the Internet by transmitting corresponding information to the designated proxy payer when an incompetent(for example, schoolchild, junior high school student, etc.) requests a commodity purchase in a shopping mall on the Internet and designating the proxy payer. CONSTITUTION: If a purchaser connects to a site(S101), it is checked whether the purchaser is a member(S102). If the purchaser is not a member, the purchaser is induced to join to the membership and registered as a member by inputting information for a registration(S103,S104). If the registered member selects a shopping mall, the selected shopping mall is connected to the member(S105,S107). If the member requests a purchase of a specific commodity, payment methods are searched(S108-S109). If a payment method is a card payment, a payment is executed using a general credit card payment method(S110-S111). If the payment method is a payment by proxy, an E-mail address of a proxy payer is requested. If the address of the proxy payer is received, purchase request details of the purchaser are transmitted to the proxy payer(S112-S114). If a response with respect to the purchase request details is received from the proxy payer, the response is analyzed, and a commodity purchase service is processed corresponded to the response.

Description

Proxy payment method on the internet {METHOD FOR SETTLING UP ACCOUNTS BY PROXY ON-LINE}

The present invention relates to surrogate payment on the Internet, in particular, a non-income person (for example, elementary school students, junior high school students, high school students, etc.), lovers, friends and the like to request the purchase of goods in the shopping mall on the Internet and designate a surrogate payer The present invention relates to a proxy payment method on the Internet that provides a new electronic commerce method so that the information is transmitted to the designated bill payer and the purchaser of the bill pays the purchase on the Internet.

The rapid development of today's science and especially communication technology has made people's lives very convenient and enjoyable. Among them, the development of the Internet has made it easier for people to communicate with others around the world and easily obtain necessary information.

Recently, various services such as e-commerce, e-news, cyber stock trading, and e-mail are provided based on the internet using the web, and users can easily receive the services that were previously physically done through the internet. Therefore, Internet service is emerging as the most important business.

The electronic commerce using the Internet refers to all transactions in which an electronic medium using internet technology is used for commerce, which involves the exchange of goods, services, information, and money between consumers and buyers regarding the commercial transfer of goods between economic entities. .

For example, a consumer (buyer) accesses a cybermall using his or her computer, selects a product or service item that he / she wants to purchase, and delivers his purchase intention to the virtual store while simultaneously trusting Provide payment methods such as card number and password. Then, when the virtual store requests a payment by inquiring the credit card number and password presented by the customer to the virtual bank or credit card company, the virtual bank or credit card company pays the price to the virtual store, and the virtual store is a product In general, e-commerce is a process in which a service is provided to a customer to complete a purchase process.

However, the payment method in the general electronic commerce on the Internet has a disadvantage in that a consumer (buyer) must have a payment ability. That is, since payment is made using only the financial information of the buyer, non-income persons without financial ability (for example, elementary school students, middle school students, high school students, economically difficult seniors, etc.), etc., are not allowed to e-commerce on the Internet.

In addition, there was a disadvantage that can not be a proxy payment between friends and lovers.

For example, it is impossible for a girlfriend to purchase goods and the beloved lover to pay for them.

Accordingly, the present invention is proposed to solve the difficulty of proxy payment in general e-commerce as described above,

An object of the present invention is to designate a surrogate payer if a non-income person (for example, an elementary school student, a junior high school student, a high school student, etc.), a lover, a friend, or the like request a purchase of goods at a shopping mall on the Internet and designate a substitute payer. It is to provide a proxy payment method on the Internet to transmit a corresponding information, and to provide a new electronic commerce method so that the purchase of goods when the proxy payment is made on the Internet.

"A surrogate payment method on the Internet" according to the present invention for achieving the above object,

In the e-commerce payment method on the Internet,

Connecting a selected shopping mall when a shopping mall registered as a member accesses and selects a shopping mall;

Searching for a payment method when a purchase of a specific item is requested on the shopping mall;

If the payment method is a surrogate payment, requesting an e-mail (e-mail) address of the surrogate payer, and when the surrogate payer's address is received, transmitting a purchase request history of the buyer to the surrogate payer;

When a response to the purchase request details is received from the substitute biller, analyzing the response and processing the goods purchase service corresponding to the response is characterized in that the made.

Performing on-line payment with the substitute payer if the response received from the substitute payer is payment;

When the payment is made, characterized in that for performing the step of sending the product purchase results to the buyer.

Requesting to send the correction if the response received from the substitute biller is a correction;

Notifying the purchaser by using the Internet when the requested modification is received;

When the buyer who is notified of the modification requests a purchase, performing an on-line payment with the substitute payer;

When the payment is made, characterized in that for performing the step of sending the product purchase results to the buyer.

If the response received from the surrogate biller is rejected, it characterized in that the step of transmitting the result to the buyer.

1 is a block diagram schematically showing the configuration of a proxy payment system on the Internet to which the present invention is applied,

2 is a flowchart illustrating a proxy payment method on the Internet according to the present invention.

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

100 ..... Buyer System

200 ..... Internet

300 ..... Server

410 ..... Member Database (D / B)

420 ..... Merchant Database (D / B)

500 ..... Merchant System

600 ..... Deputy Payer System

Hereinafter, described in detail with reference to the accompanying drawings, preferred embodiments of the present invention according to the technical spirit as described above.

1 is a configuration diagram schematically showing a system for proxy payment on the Internet to which the present invention is applied.

Here, reference numeral 100 denotes a buyer system for the buyer to perform e-commerce through the Internet network 200, and reference numeral 300 denotes the e-commerce on the Internet, and the member database (D / B) 410 and the merchant database ( D / B) 420 indicates a server that performs member and merchant management, and performs affiliate and affiliated store management through the affiliate system 500, and reference numeral 600 denotes a non-income person or friend, If a lover or the like is a buyer, this indicates a surrogate payment system.

In the system for proxy payment on the Internet to which the present invention configured as described above is applied, first, the buyer is connected to the server 300 by accessing the corresponding site through the Internet network 200 using the purchaser system 100.

Then look at the screen provided by the server 300 to select the corresponding service. Assuming that the selected service is a specific shopping item, the server 300 withdraws the information of the affiliated store operating the shopping mall from the affiliated store database 420 and communicates with the affiliated store system 500 through the affiliated store system 500 and the buyer system. 100 connects through the Internet network (200).

Then, the buyer uses the purchaser system 100 to shop at the shopping mall, and if there is an item to purchase, a purchase request is made. When a purchase request occurs, the server 300 selects a payment method. When the selected payment method is a credit card, the server 300 performs a payment through a normal internet payment process. Notify me.

However, if the buyer is no-income or requests payment from a designated substitute biller, the alternative payment method is selected. When the surrogate payment method is selected, the server 300 requests an e-mail address of the surrogate payer to the buyer system 100, and the requested buyer system 100 receives the surrogate payer (for example, a parent, a friend, or a lover). , Etc.) and the e-mail address and the message sent to the surrogate payer is transmitted to the server 300.

The e-mail address of the substitute biller may be settled through the member number or ID of the substitute biller.

After receiving the data, the server 300 formats the details of the items requested by the purchaser, for example, the product name, quantity, price, etc. Send an email using the email address. The surrogate biller system 600 receiving the e-mail identifies the buyer through the personal information of the buyer, examines the purchase history and message of the buyer's purchase of goods, and makes a decision on purchasing the goods to the server 300. Send a response to it.

At this time, the surrogate payer may transmit a message to the buyer with a response, thereby communicating between the buyer and the surrogate payer. The proxy payer also chooses one of three responses. The payment is permitted to purchase the first item, the modification to change the item, quantity, etc. of the second purchase request item, and the third refusal to purchase the item.

The server 300 receiving the response message of the proxy biller analyzes the response and transmits the result message and the message sent by the proxy biller together to the buyer system 100.

Then, the buyer confirms the response result and message of the substitute biller displayed on the screen of the buyer system 100. In this case, if the response of the substitute biller is payment or rejection, there is no need to take any action, but if the response is modification, the revised purchase details should be checked and the purchase decision should be made again.

If the user decides to purchase the modified item as a result of re-determining the purchase, the corresponding data is transmitted to the server 300, and the server 300 receives the data on the Internet through communication with the surrogate biller system 600. The payment is performed, and when the payment is completed, the buyer system 100 notifies the result. Of course, it also transmits information such as when and when the purchased goods are delivered.

2 is a flowchart illustrating a proxy payment method on the Internet according to the present invention.

As shown here, when the buyer accesses the site (S101), searching for a member status (S102), and if the search result is a non-member, guiding a member registration procedure (S103), and the member registration procedure. In step S104, when the buyer who is guided to input information for registration registers as a member, and when the registered member (buyer) selects a shopping mall, connecting the selected shopping mall (S105 and S107), and the shopping mall Requesting a purchase of a specific item on the device, searching for a payment method (S108 ˜ S109), and performing payment using a normal credit card payment method when the payment method is a card payment (S110 ˜ S111); If the payment method is a surrogate payment, request the surrogate biller's email (e-mail) address, and when the surrogate biller's address is received, the purchaser's purchase request details are sent to the surrogate biller. When the method for transmitting (S112 ~ S115), the proxy from the payer receives a response to a purchase request history, and the analysis is made in response to the step that corresponds to handle the goods purchased to the service response (S116 ~ S125).

In the proxy payment method on the Internet according to the present invention thus made, first, in step S101, when the buyer accesses the site through the Internet network, in step S102, membership is checked.

If the result of the confirmation is a non-member, go to step S103 to guide the procedure for membership registration, and if the buyer enters the predetermined data in step S104 to register as a member. Of course, if the buyer does not want to register as a member can not log in, so close the site.

Next, when the purchaser is a member or registered as a member, the service item selected by the purchaser is checked in step S105. When the purchaser selects general information service as a result of the check, the process moves to step S106 to perform the service.

On the other hand, when the buyer selects a shopping mall for goods shopping and purchase without selecting the general information service, the process moves to step S107 to connect the shopping mall site with the buyer system.

Thereafter, when the buyer requests the purchase of goods while shopping at the shopping mall in step S108, the server allows the buyer to select a payment method in step S109. If the buyer selects the card payment as the payment method in step S110, the process moves to step S111 to perform the payment through the normal card payment method.

Next, when the user selects the proxy payment instead of selecting the card payment as in step S112, in step S113, an e-mail (e-mail) address of the proxy biller is requested. Thereafter, when the purchaser writes an e-mail address of the substitute payer and a message to be sent to the substitute payer and sends the message to the server, the server receives this in step S114, and in step S115, the information of the buyer and the purchase history are formatted and The e-mail will be sent to the surrogate payer determined by the buyer.

Then, the surrogate biller checks the buyer, checks the purchase history of the goods, and sends a message to the server making a message about whether to pay for it and what the buyer wants to say.

Subsequently, in step S116, if the server receives the result of the proxy payment, if the received result of the payment in step S117 is a payment to allow the purchase of the goods, the server moves to step S118 and the representative biller through a normal electronic payment method. On-line payment is performed, and in step S119, the payment of the goods purchase result is sent to the buyer when the payment is made.

Next, when the response is checked as shown in step S120 and the response is a correction, in step S121, the server requests the substitute biller to send the correction, and in step S122, the buyer receives the modification sent by the substitute biller. Send to. At this time, the letter sent by the proxy payment is also sent to the buyer. Thereafter, when the purchaser requests a purchase after reviewing the details modified by the buyer in step S123, the process goes to step S118 described above and performs the following steps.

In addition, when checking the response as shown in step S124 and the response is rejected, the process moves to step S125 to transmit the result to the buyer, and the corresponding site is terminated.

As described above, according to the present invention, since the non-income person can make payment through a surrogate payer (for example, a parent), purchase of desired items is possible on the Internet, and also the parent and the non-income person (child) through a surrogate payment process. Since communication is possible, it has the advantage of helping to feel more family affection.

In addition, mutual payment is possible between friends and lovers, and due to this advantage there is an advantage that can further activate e-commerce.

Claims (4)

In the e-commerce payment method on the Internet, Connecting a selected shopping mall when a shopping mall registered as a member accesses and selects a shopping mall; Searching for a payment method when a purchase of a specific item is requested on the shopping mall; If the payment method is a surrogate payment, requesting an e-mail (e-mail) address of the surrogate payer, and when the surrogate payer's address is received, transmitting a purchase request history of the buyer to the surrogate payer; And if a response to the purchase request details is received from the substitute biller, analyzing the response to process the goods purchase service in response to the response. The method of claim 1, wherein when the response received from the substitute biller is payment, Performing on-line payment with the substitute payer; When the payment is made, the surrogate payment method on the Internet, characterized in that for performing the step of sending the product purchase results to the buyer. The method of claim 1, wherein when the response received from the substitute biller is a modification, Requesting to send corrections; Notifying the purchaser by using the Internet when the requested modification is received; When the buyer who is notified of the modification requests a purchase, performing an on-line payment with the substitute payer; When the payment is made, the surrogate payment method on the Internet, characterized in that for performing the step of sending the product purchase results to the buyer. The method of claim 1, wherein if the response received from the substitute biller is a rejection, transmitting the result to a buyer.