KR20040058159A - A Method for settling using the Proxy Card - Google Patents

Abstract

PURPOSE: A method for performing the EC(Electric Commerce) using a representative card is provided to naturally absorb all economic subjects to the EC without interfering a current economic activity structure, and make a customer receive various services and contents while dissolving the inconvenience for the registration and the uneasiness for the outflow of personal information. CONSTITUTION: Businessman certification is performed. A cash register screen is generated/transmitted to a BT(Businessman Terminal)(820). The information for a goods list and price is received through the BT(830). Customer certification information is received through the BT. A customer is certified by using the customer certification information(850). The representative card matched with the customer is extracted. The extracted representative card is certified(853). A card list registered to the representative card is extracted/transmitted to the BT(855). A card ID matched with the card selected from the card list is received from the BT(870). The card information matched with the card ID is extracted. The extracted card information is transmitted to a card company matched with the card ID(875).

Description

A method for settling using the proxy card}

The present invention relates to a method and system capable of performing e-commerce in an affiliated site through a network, and more particularly, to a process that may occur in a series of processes of performing e-commerce on a network, that is, subscriber authentication, The present invention relates to a method and system for brokering purchase procurement, advertisement, payment, and delivery.

That is, the present invention is directed to a method and system that can efficiently accept and combine electronic commerce with existing economic activity without maintaining or significantly altering current commerce.

Traditional electronic commerce provides various kinds of contents and services in countless sites which are largely classified as internet. The services and content they offer are diverse and there is a fierce competition for their membership. Thus, when signing up for membership, it promotes better service and contents as a banner.

In addition, visitors are reluctant to repeatedly enter personal information about themselves in numerous places. In addition, it is also unusual to have to select another ID that one does not want because his ID overlaps with another subscriber's ID.

Conventional marketing using advertisements has been mainly made by unilateral mass media using wired / wireless communication, that is, TV and radio. Advertisements not only promote products but also provide information. Mass media advertising focuses on the presence of goods rather than information on goods due to time and cost constraints, and it is difficult to accurately measure the delivery of advertisements and to establish a valid basis for advertising costs.

When purchasing a product and paying a bill, a credit card, which is a representative tool of a payment method, has various cards of various functions issued to each credit card company. When a user possesses a plurality of credit cards, it is inconvenient for management and use. In other words, a plurality of cards must always be carried, and among them, a common accident occurs when a necessary card is lost or not carried. Also, credit cards, prepaid cards, etc. are frequently used as payment methods in online stores on communication networks such as the Internet. However, since the payment method is settled before the buyer receives the goods and confirms the payment, the general procedure of purchasing the goods after confirmation of the existing goods is not performed, causing a feeling of rejection and distrust in the consumer.

Conventional electronic commerce relies on logistics companies for all deliveries regardless of the buyer's location. As a result, it was often the case that additional shipping costs were added to the product price, or a considerable period of time was required for receiving the product.

Accordingly, the present invention has been made to solve the above problems, and to provide a method and system in which all economic agents can be naturally absorbed into electronic commerce without interfering with the existing economic behavior structure.

In addition, the present invention is to provide a method and system that can be provided with a variety of services and content while relieving the inconvenience that the consumer goes through the sign-up procedure every visit to the site, anxiety about the disclosure of personal information.

In addition, the site administrator has an object of the present invention to remove the difficulty of membership retention, recruitment.

In addition, the present invention is to provide a method and system in which the actual benefits to the advertisers and viewers by analyzing the effective advertising method and the response according to the advertising.

In addition, the present invention is to provide a method and system that can eliminate the inconvenience of the user to manage, operate, and possess a plurality of cards in the payment.

In addition, the present invention is to provide a method and system that can reduce the shipping cost and the time required to deliver goods by using an offline shopping mall in the neighborhood.

1 is a view schematically showing the configuration of the present invention in accordance with a preferred embodiment of the present invention.

2 is a flowchart of a subscriber authentication processing procedure according to a preferred embodiment of the present invention.

Figure 3a is a flow chart showing the automatic subscription procedure by the electronic certificate when the subscriber accesses the affiliated site according to an embodiment of the present invention.

Figure 3b is a flow chart showing the automatic subscription procedure by the electronic certificate when the subscriber accesses the affiliated site according to an embodiment of the present invention.

Figure 4 is a flow chart showing an automatic authentication procedure by the electronic certificate according to an embodiment of the present invention.

5 is a flowchart illustrating a method for transmitting / receiving an advertisement of a subscriber and an intermediary site server connected to an affiliate site according to an exemplary embodiment of the present invention.

6 is a flowchart illustrating a process of transmitting and receiving an advertisement server at an advertisement receiver and an intermediate site according to an embodiment of the present invention.

7A is an exemplary screen illustrating a screen on which a navigation bar is displayed according to an exemplary embodiment of the present invention.

FIG. 7B is a diagram illustrating a screen for displaying an initial advertisement screen when an advertisement channel is clicked according to an exemplary embodiment of the present invention. FIG.

Figure 7c is an exemplary screen showing a state displaying a list of affiliated sites in the navigation bar according to an embodiment of the present invention.

FIG. 7D illustrates an example of a screen displayed on a screen when an advertisement is received in an advertisement channel according to an exemplary embodiment of the present invention. FIG.

8 is a table showing a table of cards that the representative card in accordance with one preferred embodiment of the present invention.

Figure 9a is a flow chart showing the use and approval process of the representative card at the intermediary site in accordance with a preferred embodiment of the present invention.

9B is a flowchart illustrating a procedure of using and accepting a representative card offline in accordance with a preferred embodiment of the present invention.

10A is a flowchart illustrating a payment processing procedure according to an embodiment of the present invention.

Figure 10b is a flow chart showing the payment procedure for online goods received according to an embodiment of the present invention.

10c is a diagram illustrating a table of transaction details received from an online store by an intermediary site according to an exemplary embodiment of the present invention.

10D is a table showing an authentication method in a process of authenticating a user for a transaction specification received at an intermediary site according to an exemplary embodiment of the present invention.

FIG. 11 is a flowchart illustrating a method for procurement by linking an online store and an offline store in an intermediary site according to an exemplary embodiment of the present invention. FIG.

12 is a flowchart illustrating a procedure for purchasing and procurement of goods in an online store and an offline store in a purchase procurement system according to an exemplary embodiment of the present invention.

Figure 13 is a flow chart illustrating a procedure in the case of a successful bid after the successful bid in the procurement system according to an embodiment of the present invention.

14 is a diagram illustrating a system configuration of an intermediary site according to an embodiment of the present invention.

FIG. 15A illustrates a table of data constructed in a subscriber database according to an embodiment of the present invention. FIG.

15B is a table structure constructed in a database of advertisement reception log files according to an embodiment of the present invention.

Fig. 15C is a diagram showing a table of data constructed in a database of an affiliate site according to an embodiment of the present invention.

FIG. 15D illustrates a table of data constructed in an advertisement database according to an embodiment of the present invention. FIG.

Fig. 15E is a diagram showing a table of data constructed in a merchandise database according to one preferred embodiment of the present invention.

FIG. 15F illustrates a table of data constructed in a commodity transaction main log database according to an embodiment of the present invention. FIG.

15G is a diagram showing a table of data constructed in a commodity transaction sublog database according to an embodiment of the present invention.

Fig. 15H is a diagram showing a table of data constructed in a card database according to an embodiment of the present invention.

FIG. 15I illustrates a table of data constructed in a card use authorization transaction specification database according to a preferred embodiment of the present invention. FIG.

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

100: subscriber

105: network

110: affiliate site

120: mediation site

130: payment institutions

According to an aspect of the present invention, in order to achieve the above objects, in a plurality of sites connected through a network, in the mutual sharing of the subscribers of the site, subscribers connected to the intermediate site from the intermediate site of the plurality of sites Authenticate, receive an authentication request from an affiliated site accessed by the subscriber authenticated at the intermediary site, generate a digital certificate in real time each time the authentication request is made, and generate the electronic certificate generated at the intermediary site at the affiliated site. And the affiliated site relates to a subscriber authentication method and system by the electronic certificate, characterized in that the subscriber is authenticated by the electronic certificate issued by the intermediary site.

According to an embodiment of the present invention, the electronic certificate may include general personal information.

According to another embodiment of the present invention, the subscriber can protect the personal information of the subscriber by selecting the disclosure range of the personal information included in the electronic certificate.

According to another embodiment of the present invention, the subscriber includes a group having a plurality of members, and in the case of joining the group, the plurality of members are also authenticated by an electronic certificate.

According to another embodiment of the present invention, in authentication of a member of the organization, it is determined whether to issue the electronic certificate for the member according to a criterion preset by the administrator of the organization.

According to another embodiment of the present invention, the electronic certificate may include a trust level (Trust Level), where the trust level (Trust Level) is a confirmation of personal information generated by the subscriber's activity in the site at the intermediary site Can be set based on the evaluation.

According to another embodiment of the present invention, it is possible to determine whether to generate the electronic certificate based on the trust level set in the intermediary site.

According to another embodiment of the present invention, if the subscriber is the first access after joining the affiliated site, the authentication procedure may be performed once more.

According to another aspect of the present invention, in a plurality of sites connected through a network, in sharing the subscribers of the site, the affiliated site transmits an authentication request to the intermediary site for the subscriber connected to the affiliated site, Receiving an electronic certificate from the intermediary site, wherein the electronic certificate is a one-time issue issued in real time every authentication request.

According to an embodiment of the present invention, the electronic certificate may include general personal information.

According to another embodiment of the present invention, the subscriber can protect the personal information of the subscriber by selecting the disclosure range of the personal information included in the electronic certificate.

According to another embodiment of the present invention, the subscriber can be authenticated by the electronic certificate received from the intermediary site.

According to another embodiment of the present invention, the subscriber includes a group having a plurality of members, and in the case of joining the group, the plurality of members are also subscriber authenticated.

According to another embodiment of the present invention, the electronic certificate may include a trust level.

According to another embodiment of the present invention, it is possible to determine whether to receive the electronic certificate transmitted from the intermediary site based on the trust level set at the affiliated site.

According to another embodiment of the present invention, when the subscriber is not subscribed to the affiliated site, the subscriber can be subscribed by the electronic certificate received from the intermediary site.

According to another embodiment of the present invention, the affiliated site may join an unsubscribed subscriber to the affiliated site by using personal information attached to the electronic one-time certificate.

According to another embodiment of the present invention, when a group is connected to the affiliated site, the group may be joined to the affiliated site only when a member having the administrator authority of the group is connected to the affiliated site. have.

According to another embodiment of the present invention, the electronic certificate may include a trust level.

According to another embodiment of the present invention, it is possible to determine whether to receive the electronic certificate transmitted from the intermediary site based on the trust level set at the affiliated site.

According to another embodiment of the present invention, the authentication process at the intermediary site may be at least one of a method of checking by ID and password, a method by fingerprint recognition, and a method by random number check.

According to another embodiment of the present invention, in the authentication process by the ID and password in the intermediary site, it is possible to increase the security by using a separate ID that can be changed from time to time in addition to the fixed ID.

According to still another aspect of the present invention, in providing a predetermined service to a subscriber connected to a plurality of sites at an intermediary site among a plurality of sites connected through a network, a subscriber identifier and a site identifier are received from an affiliate site, After extracting subscriber information and site information from the database using the subscriber identifier and the site identifier, a status bar corresponding to the subscriber is generated, and the status bar is transmitted to the subscriber's terminal. A status bar capable of displaying basic information of may be provided through a browser of the subscriber terminal.

According to an embodiment of the present invention, the advertisement is provided using the status bar, but the advertisement is provided to the subscriber by the selection of the subscriber.

According to another embodiment of the present invention, the status bar provides the subscriber with a predetermined advertisement according to subscriber characteristics such as gender, age, address, etc. of the subscriber.

According to another embodiment of the present invention, in providing a point when viewing an advertisement, the advertisement may be terminated by using a timer and the effectiveness of viewing the advertisement may be improved by receiving information for viewing confirmation for a predetermined time. .

According to another embodiment of the present invention, within the information provided by the site to which the subscriber is connected, by providing only a predetermined advertising channel to a predetermined subscriber, it is possible to limit the advertisement selection range of the subscriber. By inserting an executable statement to limit the subscriber's choice of advertising.

According to another embodiment of the present invention, the mediation site stores the advertisement viewing history of the subscriber as a log file, the mediation site analyzes the advertisement reception history in real time, and provides the analysis result to the advertiser in real time. However, the analysis result may be used for marketing information through an online interface or in an offline printed form.

According to another aspect of the present invention, in performing an electronic commerce through an association between an affiliated site and an offline store at an intermediary site among a plurality of sites connected through a network, the transaction specification for the consumer's purchased product is provided. A list of offline stores received from the site, posted in the intermediary site for the products requested by the affiliate site in the transaction details, and bid by the offline store connected to the intermediary site and bid on the affiliate site. The affiliated site selects a bidding offline store, and the brokerage site notifies the offline store of the selection result, and after confirming that all items purchased by the consumer by the offline store and the affiliated site have been delivered, the affiliated site Sites and the offline winning bids Distribute payment to the store by paying the purchaser, integrating marketing power, geographic non-limiting strengths of the affiliate site, and product procurement and service ability and expertise, which are strengths of the offline store, The burden of inventory management can be solved through the broker's payment guarantee and transaction brokerage.

In one embodiment of the present invention, in confirming that all purchased items have been delivered, receiving a goods receipt confirmation code at the time of product purchase from the buyer, and the brokerage site of the delivery of goods from the offline store and the affiliated site that received the winning bid Receiving the product receipt code as evidence, the product receiving code is a password that the buyer enters corresponding to the product at the time of purchase of the product, it can be delivered to the offline store or the affiliated site that received the winning bid as proof of receipt of the product. .

According to another embodiment of the present invention, when the brokerage site acts for payment of goods, the affiliated site provides a menu for selecting a payment method to the buyer for each product, and the payment specification is displayed on the transaction specification. The payment can be processed separately.

According to another embodiment of the present invention, when the affiliated site distributes and pays the purchaser's payment price to the affiliated site and the offline store receiving the successful bid, the mediation site preempts a fee proportional to the payment price, The procurement price for each item may be paid to the offline store that has received the auction, and the remaining amount may be divided and paid online.

According to another embodiment of the present invention, when a consumer selects a payment method to make a payment, the information of the payment means is registered in the intermediary site, and at the time of payment, the payment means is not all the information of the payment means necessary for payment. By entering only the name of the payment method, by inputting only the name of the payment method, the buyer provides convenience to the payment, payment is made only by the name, but there is no information exchange for the payment method with the affiliate site, preventing information exposure and security You can increase the sex.

According to another embodiment of the present invention, in mediating payment at an intermediary site, a representative card may be used to process a transaction specification including a transaction history together with a payment amount at an affiliate site.

According to another embodiment of the present invention, when the broker site performs the authentication procedure of the representative card at the time of payment, the basic authentication by ID and password, the authentication by password used for the card, the authentication by the user random check and the fingerprint At least one authentication method may be selected and authenticated.

According to another aspect of the present invention, in performing an electronic commerce through a link between an intermediary site and an offline store at an affiliate site among a plurality of sites connected through a network, a product from a terminal of a buyer connected to the affiliate site Receive a purchase request for the product and generate a transaction specification by applying for the purchase of the product, transmit the transaction specification to the intermediary site, access the intermediary site, and receive a list of the offline stores that have been bidding; Bid one or more offline stores, notify the selected stores and delivery results to the offline stores that have received the auction, and receive payment by distributing the payment amount of the buyer by the affiliate site; Product procurement and standing are the strengths of the offline store Integrating service capabilities and expertise, and the burden of inventory management of the online and offline stores can be solved through the broker's payment guarantee and transaction brokerage.

According to an embodiment of the present invention, in making a payment for a product, the affiliated site provides a menu for selecting a payment method to the buyer for each product, and classifies according to the transaction specification in which the payment method is displayed by the buyer. Can be processed.

According to another embodiment of the present invention, when the affiliated site is paid for the purchaser's payment, the mediation site preempts a fee proportional to the payment price, and the procurement price for each item is paid to the offline store receiving the successful bid. , The affiliate site is paid the remaining amount.

According to another embodiment of the present invention, when the buyer selects a payment method to make a payment, the purchaser registers the information of the payment means on the intermediary site, and at the time of payment, not all the information of the payment means necessary for payment. Only the name of the means is input, but since payment is made only by the name of the payment means, there is no information exchange for the payment means with the affiliated site, thereby preventing information disclosure and increasing security.

According to another embodiment of the present invention, in order to increase the credit of all e-commerce, credit information by a minus point system may be constructed in the case of all violations of the process including purchase, sale, and delivery.

According to another embodiment of the present invention, the mediation site stores a product transaction transaction history for the subscriber in a log file, and the broker site analyzes the product transaction history in real time, and analyzes the analysis result in real time. The analysis results may be provided to a product seller, and the analysis result may be used for marketing information and credit information inquiry through an online interface or in an offline printed form.

According to another embodiment of the present invention, the payment means used when the subscriber purchases the product in the affiliated site and makes a payment, the payment means through the credit grant between the subscribers without a separate subscription procedure to the payment means issuer Means that non-subscribers can use it within the permitted range. This makes it possible for the head of a household to allow, within a certain range, his credit card to his wife or child, or the employer of a corporation to allow a credit card in the name of a corporation to its members.

According to the present invention, the brokerage site serves as an advertisement provider, subscriber authentication, payment agent, commerce brokerage, online cash register and customer management.

Subscribers can use the contents of affiliate sites without entering additional subscription information for all affiliate sites with a single subscriber registration. In addition, through the monitoring of each subscriber's advertisement reception and purchase payment history, the management of individual subscriber's points and analysis of subscriber's activity provide basic data such as sales and marketing activities to each economic entity.

Advertisers are provided with accurate data on marketing and production planning for the future market by presenting the exact degree of advertisement delivery and the degree of connection of purchase of the corresponding product advertisement receiver.

Each financial institution that handles all the means used to make a payment collects and processes the transactions of affiliated product sales sites and uses the economies of scale generated to reduce the commission rate and return the profits to each sales site and consumers. give.

In addition, it provides subscribers with information on each affiliate site, such as the percentage of each site assigned to subscribers when viewing advertisements, or exchange rate information on points presented by commerce sites. It also brokers point transactions between subscribers.

When a subscriber purchases a product from a commerce company and requests payment, the system provides a system for processing payment regardless of location according to the purchase type and procurement according to the sale of the product in an online store. Therefore, the existing commerce companies can use this to act as delivery or delivery so that existing commerce workers can participate as members of the era of electronic commerce.

It also handles payments for these commerce companies and facilitates online e-commerce by providing a variety of related services along with basic credit and shipping issues required for transactions between commerce companies. At this time, each commerce company is treated as a single subscriber such as a consumer and converts a corporation number or a business registration number to a unique number to ensure uniqueness of the unique number. This ensures a consistent and integrated system for tracking payments to online stores, off-line stores responsible for actual deliveries, and consumers, minimizing incidental costs and streamlining the flow of money between commerce companies. General offline stores provide cash register functions through wired / wireless online access and various types of terminals such as web browsers and PDAs to support the same economic activities as online and offline for customers and revenue management and offline visited consumers. Link and integrate the commerce environment.

The government provides basic data of tax management and inflation policy based on transparent transaction history information and increases the profits of consumers by providing various product information based on the actual transaction price to consumers.

The present invention provides a new and effective delivery method of advertisement, which is a representative means of marketing, the structure of collecting and delivering accurate delivery history to consumers of advertisement, and IP / CP (IP / CP, Information Provider / Contents provider) It provides an effective revenue generation structure for the development of information society.

That is, the present invention derives a way to change the problem of the existing structure into a structure that can reasonably solve the existing practice without significantly changing the existing practice in the payment of the transaction, which is the basic of commerce, and is the most popular means of payment of commerce. We derive simple tools that are more convenient for use of various cards and supplemented with security functions. In addition, by deriving ways to develop the existing retailer-centered commerce structure in parallel with the new e-commerce structure, it achieves the professional stability, consumer satisfaction, and efficient logistics system of existing commerce workers. And it is a commerce method and system that enables the collection, processing, storage and analysis of information on the various economic activities of the members produced in this process.

Next, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

In the present invention, consumers, users, subscribers and buyers are used in the same sense, and terms that are easy to understand the invention according to the drawings.

In addition, in the present invention, the article is not only a tangible article, but also includes an intangible article such as music, lectures, movies, information provided.

1 is a view schematically showing the configuration of the present invention according to an embodiment of the present invention.

Although the present invention can share subscribers through a two-way authentication procedure, it will be described on the premise that the agent acts in one-way authentication at an intermediary site to help the understanding of the invention.

Through the network 105, the subscriber 100, a company (IP, hereinafter referred to as affiliated site) 110 for the purpose of providing information and selling goods, and a company that brokers advertisements, subscriber authentication, payment agency or commerce 120 is referred to as an intermediary site.

Subscriber 100 may access intermediary site 120 and affiliate site 100 via network 100.

When the subscriber 100 accesses the affiliated site 110, since the subscriber authentication is performed by the intermediary site 120, when moving from the affiliated site 110, it is troublesome to input an ID or password one by one. Disappear.

This subscriber sharing structure is not a structure in which a database is shared, but a one-time digital certificate that can include a privacy level and a trust-level level in real time whenever the subscriber 100 visits the affiliate site 110. It is executed by issuing.

In accordance with one preferred embodiment of the present invention, the service brokered by the intermediary site 120 is a subscriber authentication agent. These include brokering payments, providing advertisements, and brokering commerce that links product purchases online with regular offline stores.

The mediation site 120 is composed of a log generation and advertisement distribution system, a payment settlement and mediation system, a marketing data mining system and a database. Also, the database is composed of an advertisement database, an advertisement receiving database, a product database, a payment means database, a subscriber database, an affiliate site database, a payment means use approval transaction specification database, and a product transaction database. The system of the intermediary site will be described with reference to FIG. 14.

In addition, the intermediary site 120 provides a service for the settlement in connection with the payment institution 130, and according to a preferred embodiment of the present invention, all payment-related cards by the virtual representative card system As a representative card, all payments are possible.

Herein, the payment related institution 130 refers to a financial institution or a credit card company. Such payment is carried out using electronic banking using a substitute card. The Payment Gateway is the job of relaying all payments generated in the cyber market. Major tasks include payment and management of medium and large member companies, micropayment and prepaid account management, and money relay for electronic banking. Credit card, cash card, bank account, purchase card, etc. The surrogate card will be described in FIG. 8.

2 is a flowchart of a subscriber authentication processing procedure according to a preferred embodiment of the present invention.

Referring to FIG. 2, when a user moves within an affiliated site, authentication is performed without having to enter an ID or password by an electronic certificate issued from a site first accessed in the affiliated site (hereinafter referred to as an initial site). . That is, when the user is authenticated at the initial site, when the user moves to another site, authentication is performed through a certificate issued at the authenticated site. In order to facilitate understanding of the invention, a one-way authentication procedure for issuing a certificate at an intermediary site will be described.

According to the present invention, a plurality of affiliated sites cooperate with an intermediary site and mutually trust the subscriber's authentication. Thus, even if a user registers at only one of the affiliated sites and the brokerage site, the present invention provides a method and system for subscriber authentication (login) upon entering the affiliated site. However, in order to prevent personal information leakage, the database is not shared but the following procedure is used.

Subscribers who have subscribed to any one of the intermediary site and the affiliated site automatically process the new subscription and subscriber registration process by the electronic certificate at all the affiliated sites while the personal information is guaranteed. In other words, by eliminating the hassle of the subscriber registration process, the mediation site helps to secure the subscriber of the affiliate site.

Referring to FIG. 2, the subscriber authentication (login) process is subject to the following preliminary structure and basic settings. That is, in order to mutually trust subscriber authentication between sites, the following structure must be premised.

In step 200, the trust level is defined according to the identification of the subscriber's name, social security number, address, and e-mail. This trust level is the identity of the subscriber in the process of confirming the subscriber's e-mail reception, confirmation of his / her social security number by the use of a credit card, verification of his / her real name by applying for a bank account transfer of the pointer, and verification of the address according to the delivery address when purchasing goods. Confirmation, credit, etc. can be set. This trust-level can be set not only at the affiliate site but also at the brokerage site.

In step 205, the affiliate site establishes a trust level to selectively receive the electronic certificate from the intermediary site. In other words, the intermediary site only authenticates subscribers that have passed the trust-level criteria established for each affiliate site. Affiliate sites require authentication to broker sites only for subscribers who have passed the trust-level criteria.

In step 208, it is checked whether the subscriber's credibility meets the required level of the affiliate site.

In step 210, it is determined whether the subscriber accesses the affiliated site for the first time after joining the mediation site.

This is a process for excluding fake subscribers of affiliated or intermediary sites.

In step 215, when the subscriber authenticates the affiliated site for the first time by authentication using an electronic certificate, the subscriber enters an ID and password of the corresponding affiliated site to determine whether the same person is the same. That is, the first access after joining may go through the same verification process by ID and password prior to the authentication process by the electronic certificate. The result is then saved and processed later by the same person, and automatically authenticated by an electronic certificate.

In step 220, the subscriber's information identified according to the subscriber's permission level is selected and attached to the electronic certificate and transmitted.

That is, the subscriber can set the degree of disclosure of his personal information. Intermediary sites can send personal information to electronic certificates as long as they allow disclosure.

Such personal information may be useful when updating the affiliate database of affiliate sites or when providing a customized service to each affiliate site. That is, the affiliated site can use it for updating the subscriber information. That is, by attaching personal information to the electronic certificate, the latest personal information is shared between intermediary sites and affiliated sites.

In addition, according to an embodiment of the present invention, when the affiliated site receives the electronic certificate of the non-subscriber, it is possible to automatically sign up using personal information attached to the electronic certificate.

In step 230, once the same person is confirmed, when visiting the affiliated site, the authentication process is automatically performed by the one-time electronic certificate issued by the intermediary site without the inconvenience of inputting an ID and password.

In the above basic processing structure, the subscriber authenticates by the electronic certificate of the intermediary site at the affiliate site. Login authentication is performed by an intermediary site, and the result is sent to the affiliate site in the form of an electronic certificate issued by the intermediary site. Each affiliate site uses the digital certificate to verify the identity of the subscriber and authenticates it with its own ID. It is a structure to process.

Figure 3a is a flow chart showing the automatic subscription procedure by the electronic certificate when the subscriber accesses the mediation site according to an embodiment of the present invention.

In step 305, the subscriber visits the homepage of the mediation site.

The authentication procedure when visiting the homepage of the affiliated site will be described with reference to FIG. 3B.

In step 310 the subscriber enters the ID (ID) and password through the user login procedure.

In step 315, the intermediary site authenticates through a user verification process, and if the user is not verified, in step 310, the user requests a login procedure.

According to an exemplary embodiment of the present invention, after the subscriber authentication in step 320, a navigation bar is loaded and displayed to the subscriber to the subscriber to inform the subscriber about the affiliated site. In the navigation bar, a list of affiliated sites, a list of subscribed sites, an advertising channel, and other information can be clicked on (see FIGS. 7A, 7B, 7C, and 7D). When the navigation bar is loaded, the subscriber clicks on the affiliate site and attempts to move to the affiliate site. Consider a case of moving to an affiliate site not subscribed to in FIG. 3A.

In step 325, the intermediary site generates an electronic certificate and transmits the generated electronic certificate to the affiliate site while moving to the affiliate site. According to an embodiment of the present invention, personal information, trust level, etc. are also attached to the affiliated site and transmitted.

In step 330, the affiliate site determines whether the subscriber is a member of the affiliate site based on the information by the electronic certificate. In the case where it is determined that the member is a member, the automatic registration procedure is performed by the electronic certificate in step 340.

In step 335, if the visitor is not a subscriber of the affiliate site, the visitor is automatically subscribed to the affiliate site by the personal information attached to the electronic certificate.

Thus, the intermediary site integrates and manages the subscriber's information, thereby eliminating the burden of subscriber information management for each operator, and eliminating the subscriber's rejection of subscriber registration when a new visit to the site is made, thereby attracting subscribers.

In step 340, after automatically joining the affiliated site, a login process must be performed again, and authentication by login is performed by an electronic certificate issued by an intermediary site. Authentication by the electronic certificate is described in FIG.

Figure 3b is a flow chart showing the automatic subscription procedure by the electronic certificate when the subscriber accesses the affiliated site according to an embodiment of the present invention.

In step 355, the subscriber visits the homepage of the affiliate site.

In step 357, the affiliate site makes a request for authentication to the slave site.

In step 360 the subscriber enters the ID (ID) and password through the user login procedure.

In step 365, the intermediary site authenticates through a user verification process, and if the user is not verified, in step 360, the user requests a login procedure.

According to an exemplary embodiment of the present invention, after the subscriber authentication in step 360, the navigation bar is loaded and displayed to the subscriber to the subscriber to inform the subscriber about the affiliated site. In the navigation bar, a list of affiliated sites, a list of subscribed sites, an advertising channel, and other information can be clicked on (see FIGS. 7A, 7B, 7C, and 7D). When the navigation bar is loaded, the subscriber clicks on the affiliate site and attempts to move to the affiliate site. Consider a case of moving to an affiliate site not subscribed to in Figure 3b.

In step 370, the intermediary site generates an electronic certificate corresponding to the user.

In step 375, the intermediary site transmits the generated electronic certificate to the affiliated site. According to an embodiment of the present invention, personal information, trust level, and the like are also attached to the affiliated site.

In step 380, the affiliate site determines whether the subscriber is a member of the affiliate site based on the information by the electronic certificate. In the case where it is determined that the member is a member, the automatic registration procedure is performed by the electronic certificate in step 340.

In step 385, if the visitor is not a subscriber of the affiliate site, the visitor is automatically subscribed to the affiliate site by the personal information attached to the electronic certificate.

Thus, the intermediary site integrates and manages the subscriber's information, thereby eliminating the burden of subscriber information management for each operator, and eliminating the subscriber's rejection of subscriber registration when a new visit to the site is made, thereby attracting subscribers.

In step 390, after automatically joining the affiliated site, a login process must be performed again. Authentication by login is performed by an electronic certificate issued by an intermediary site. Authentication by the electronic certificate is described in FIG.

4 is a flowchart illustrating an automatic authentication procedure using an electronic certificate according to an embodiment of the present invention.

The procedure from step 405 to step 420 is the same as that from step 305 to step 320 of FIG. 3 and will be omitted. However, when moving to the affiliated site in step 420, the affiliated site will consider the case that the user is subscribed.

When the user moves to the affiliate site at step 430, the intermediary site checks whether the subscriber meets the trust-level of the affiliate site. Trust-level can be used to verify the identity of a subscriber in accordance with a process such as confirmation of receipt of an e-mail, verification of a social security number through the use of a credit card, verification of a real name by a request for bank transfer of a pointer, and verification of an address upon delivery of goods. It can be set according to the degree of credit.

If the subscriber has not passed the trust level, the intermediary site does not issue an electronic certificate in step 453.

If the trust level is passed, the process goes to step 447 to determine whether it is the first visit after joining.

In step 448, the subscriber check procedure is performed at the corresponding site. This is a process for excluding fake subscribers of affiliated or intermediary sites.

That is, when the subscriber goes through the authentication process through the authentication of the electronic certificate for the first time in the affiliate site, it may further comprise the step of determining whether the same by entering the ID (ID) and password of the affiliate site. The result is saved and later processed as the same person, and is automatically authenticated by an electronic certificate.

If the same person is confirmed by inputting the ID and password, the electronic certificate is issued in step 450.

However, if the ID and password are incorrect, the electronic certificate is not issued in step 453.

Issuance by digital certificate is not allowed.

In step 453, the intermediary site transmits an electronic certificate to the affiliated site, and the electronic certificate may attach personal information.

In another embodiment of the present invention, when transmitting an electronic certificate, not only the personal information but also the trust-level and the last information update date may be attached to refer to the updating of subscriber information of the affiliated site.

In step 455, a trust criterion may be set as an affiliate site.

If the reliability attached to the electronic certificate passes the accepted acceptance criteria set at the affiliate site, step 465 is reached.

In step 465, the subscriber information stored in the database of the intermediary site may be updated using the personal information and the last information update date attached to the electronic certificate. That is, the affiliate site may update subscriber information of the affiliate site based on the information included in the electronic certificate. Personal information is attached to the electronic certificate, and the affiliated site can update the updated personal information in real time when receiving the electronic certificate.

In step 470, automatic login is performed by the electronic certificate received at the intermediary site.

If the trust attached to the electronic certificate in step 455 does not pass the trust acceptance criteria set by the affiliated site, the flow goes to step 460 to not receive the electronic certificate.

In the present invention, the subscriber can be a group as well as an individual. In the case of a group subscriber, an automatic authentication process for members of the group may also be performed by the above-described procedure. However, in the automatic sign-up procedure, according to an embodiment of the present invention, a group manager may be designated in advance, and the group subscriber may be automatically subscribed when the group subscriber moves to an unsubscribed affiliated site. In addition , when a member of the group corresponding to the group manager moves to an unsubscribed affiliate site, the member can be automatically registered, and the other members can use the electronic certificate only in the affiliate site allowed by the manager of the group. It can be issued and automatically authenticated.

5 is a flowchart illustrating a method for transmitting / receiving an advertisement of a subscriber and an intermediate site server connected to an affiliated site according to an exemplary embodiment of the present invention.

In the present invention, the subscriber is provided with a navigation bar that provides a function of selecting and receiving only a desired advertising channel. The navigation bar is a program implemented in software.

According to an embodiment of the present invention, the navigation bar includes information on an advertising channel. When the subscriber wants in the advertising channel and selects and clicks on the advertisement, the advertisement window is loaded and the selected advertisement is displayed on the screen.

When the subscriber enters each site and performs activities according to the purpose of the visit, on the screen, the subscriber is exposed to the contents of the site and the advertising channel information included in the navigation bar provided by the intermediary site. The advertisement provided by the intermediary site is structured to click on the navigation bar to view and select the advertisement list, so that the advertisement is provided to the consumer only when the consumer desires.

The advertisement provided here is a kind of channel structure classified according to the type or target of the industry and is a targeted advertisement in which the main advertising channel is determined according to the propensity and preference of the subscriber.

According to another preferred embodiment of the present invention, two types of advertising channels are provided. One is the advertising cost per unit time, and the distribution of the advertising fee is a dynamic advertising cost distribution method that distributes the advertising fee according to the number of subscribers watched during the unit time. The other is a static advertising cost allocation method that gives an advertising fee set as a viewing fee each time an advertisement is viewed.

In another embodiment of the present invention, the advertisement viewing fee per unit time of the dynamic advertisement cost allocation method may be determined by the total price of the advertisement fee / (the number of unit hours of the total advertisement period x the number of advertisement recipients during the unit time).

And the viewing fee of each advertisement changes from time to time. The distribution rate of subscribers between sites and sites can be different according to marketing purposes, that is, subscriber incentives, and therefore, site-specific viewing fees for the same advertisements are also different. The subscriber selects and watches the most preferred advertisement according to the advertisement viewing fee information provided by the intermediary site among each advertisement according to his will.

In another embodiment of the present invention, the recognition of the advertisement viewing of the subscriber is not when the subscriber selects the advertisement but when the subscriber confirms after watching the advertisement. This displays the progress timer of the advertisement in the advertisement window, and then indicates a communication marker that can be confirmed only for a short time when the timer expires. At the end of one advertisement, the user selects another advertisement to watch. This information becomes subscriber log information. According to the subscriber log information, the corresponding advertisement viewing benefit is accumulated as a kind of point in the subscriber account of the database of the intermediary site and used in the future commerce site or paid in cash. The subscriber log information includes information such as a subscriber, a corresponding site, a viewing time, a related product code, an advertisement revenue share, and an advertisement identification code. Repeated viewing of the same advertisement within a certain time or simultaneous viewing of the same advertisement on multiple sites at the same time may increase the effectiveness of the advertisement, for example.

In step 503, the subscriber accesses the affiliate site.

In step 505, the affiliated site requests authentication from the intermediary site, and the intermediary site issues an electronic certificate to perform the authentication process.

In step 510, a subscriber bar is generated and a navigation bar corresponding to the subscriber is generated.

The navigation bar will be described with reference to FIGS. 7A, 7B, 7C and 7D.

In step 515, the navigation bar is transmitted to the subscriber browser at the same time as the issuance of the digital certificate.

Thus, authentication is automatically performed at the same time as the affiliated site is connected, and a navigation bar corresponding to each subscriber is displayed on the screen.

The navigation bar lists advertisement channels, advertisement groups classified by category, and the like, and may include a subscriber's name, accumulated points, or a list of affiliate sites. The navigation bar has a unique ID corresponding to the subscriber. According to a preferred embodiment of the present invention, the ID of the navigation bar may use a unique social security number for each subscriber.

In operation 520, the subscriber may view the point reserve according to the advertisement viewing on the navigation bar, and the points may be displayed to help the advertisement channel selection.

The subscriber selects an advertising channel to watch the advertisement, and receives the advertisement viewing from the intermediary site by clicking on a bar for monitoring the advertisement viewing within a predetermined time. In other words, in order to ensure the effectiveness of the advertisement viewing, a timer is placed in the advertisement receiving window, and the mediation site receives the constant input signal of the viewer within a predetermined time to acknowledge the advertisement viewing.

In step 525, the subscriber sends the advertising channel to the mediation site to watch.

In step 526, the intermediary site generates an advertisement window.

In step 527, the intermediary site sends out the advertisement window created to the subscriber.

In operation 528, the subscriber may watch the advertisement for a predetermined time and then go through the viewing confirmation procedure in the advertisement window.

According to one embodiment of the present invention, in order to increase the efficiency of the advertisement, the subscriber can check the advertisement viewing by confirming that the subscriber clicks the viewing confirmation button of the advertisement window for a predetermined time after viewing the advertisement.

In step 529, the mediation site receives the advertisement viewing confirmation details.

In operation 530, log data of the advertisement viewing history is generated and stored in the database. Through this process, the advertiser can perform a highly effective target advertisement based on the advertisement viewing history stored in the database. Here, the advertisement viewing history is the advertisement reception time, media type, advertisement number, and the like viewed.

In operation 535, the advertisement viewer is paid in real time to the advertisement viewer based on the advertisement reception history. For advertisements with dynamic distribution, we adjust the paid advertising costs in real time according to the number of viewers.

In step 540 the point for viewing the advertisement and the viewing fee for the adjusted dynamic advertisement are sent to the ad receiver of the intermediary site.

The information received in step 545 is displayed to the subscriber in the advertisement receiver, thereby assisting the subscriber in selecting an advertisement or purchasing a product.

6 is a flowchart illustrating a process of transmitting and receiving an advertisement server and an advertisement server at an intermediate site according to an embodiment of the present invention.

In step 600, the subscriber logs in and performs an authentication process.

This authentication process is authenticated by an electronic certificate issued at an intermediary site.

In step 605, the navigation bar corresponding to the subscriber is loaded and provided to the subscriber at the same time as the authentication process.

The advertisement receiver is assigned a serial number, such as a subscriber's social security number, and is unique to each individual.

In step 610, the advertisement receiver displays an earning point, an advertisement dial, and the like.

Information such as a subscriber's information and a list of affiliated sites can be displayed to the subscriber. However, when the subscriber clicks, the information is displayed through transmission and reception with an intermediary site.

When requesting a list of affiliate sites from the intermediary site in step 615, the intermediary site transmits a list of affiliate sites to the advertisement receiver in step 620.

When requesting the advertising channel information from the mediation site in step 625, the mediation site transmits the advertising channel information in step 630.

In step 635, the subscriber outputs a menu of the navigation bar, and in step 640, the subscriber clicks on a desired advertisement.

In step 645, the navigation bar is loaded with an advertisement window for viewing an advertisement, and the advertisement is displayed.

In step 650, the timer is operated to determine whether the subscriber clicks within a predetermined time to admit viewing the advertisement. If the user does not receive the click information within a predetermined time, the user terminates.

When the click information is received within a certain time in step 655, the navigation bar requests the broker to accumulate points.

In step 660, the intermediary site transmits the updated result to the navigation bar.

In step 665, the navigation bar receives the updated result information.

The updated result in step 670 is displayed on the screen through the navigation bar in real time.

7A is an exemplary screen illustrating a screen on which a navigation bar is displayed on a screen according to an exemplary embodiment of the present invention.

The advertising channel 701 is an item where the subscriber can view the advertising list.

Since the advertisement channels are classified and provided by category by the advertisement group 704, the advertiser may target the advertisement to a specific customer. The subscriber's advertising channel 701 is also tailored to the characteristics of each subscriber.

FIG. 7B is a diagram illustrating a screen displaying an initial advertisement screen when an advertisement channel is clicked according to an exemplary embodiment of the present invention.

The dynamic advertisement 713 has an advertisement cost per unit time, and the distribution of the advertisement viewing fee is a dynamic advertisement cost distribution method that distributes the advertisement viewing fee according to the number of subscribers watched during the unit time. In the dynamic advertisement 713, 60 represents one unit time (minute) of the dynamic advertisement, and 125 represents the sum of points distributed by the advertisement to the viewer of the advertisement and the affiliate site in the last unit time.

The static advertisement 715 is a static advertisement cost allocation method that gives an advertisement fee set as a viewing fee every time an advertisement is watched. The number displayed after the advertiser indicates the sum of points distributed to the viewer and the affiliate site when the advertisement is viewed.

7C is an exemplary view illustrating a display state of a list of affiliated sites in a navigation bar according to an exemplary embodiment of the present invention.

The list of affiliate sites displays the rate of distribution of the advertising costs and the exchange rate of the points of affiliates and viewers when viewing the advertisement on the affiliate site.

If the subscriber views the advertisement in the shopping mall, the subscriber receives 20% of the points received for the advertisement viewing fee, and if the subscriber purchases the product in points in the shopping mall, the points can be used for purchasing the product at a rate of 1.1 times.

Commerce-related sites accept the use of points accumulated by the subscribers for receiving advertisements in addition to currency or substitutes, which are common means of payment for purchasers. Each sales site applies a conversion ratio of 1: 1 or higher for this point, depending on its sales strategy. This can be a good subscriber attraction strategy for each site.

FIG. 7D illustrates an example of a screen displayed on a screen when an advertisement is received in an advertisement channel according to an exemplary embodiment of the present invention.

The advertising cost distribution is distributed only when the advertisement viewing confirmation bar 730 is clicked within a predetermined time, not when the advertisement is clicked on the advertisement channel.

The effectiveness of the advertisement can be improved by including a monitoring method for watching the advertisement of the subscriber.

Affiliate sites can focus on content as the intermediary site substitutes for advertisement attraction and advertisement management. Advertisement cost distribution when watching an advertisement provided by an intermediary site is a structure which is distributed by the ratio of the subscriber who watched the advertisement, and the affiliated site which the subscriber connected when watching an advertisement. Affiliates can therefore adjust this ratio to create marketing strategies.

In another embodiment of the present invention, the advertisement can expect a substantial advertising effect by targeting the advertisement to the taste of the subscriber.

In another embodiment of the invention, the advertisement record viewed by the customer is recorded in a log file in real time and provided to the advertiser and subscriber. The advertiser may use the log file to use the subscriber's response provided in real time in various marketing strategies.

FIG. 8 is a diagram illustrating a table of cards that are represented by a representative card according to an exemplary embodiment of the present invention.

Unlike the general card issuance process, all procedures are completed by receiving the subscriber's application and assigning a unique number. However, the difference is that when using the representative card, the process of registering a card such as a general credit card subscribed in advance is more necessary.

The card, which does not issue a separate physical card, but is given to the subscriber as needed, records physical characteristics such as an identification number, a fingerprint, and a gate that are uniquely assigned a photograph and a social security number, similar to a general ID card. The subscriber identification number may use an array of social security numbers to facilitate identification. According to one embodiment of the present invention, if the social security number is 631214-1559716, the subscriber number is 1559716-631214 or 6179551-412136 or 412136-6179551. Outside Korea, an identification number uniquely assigned to the citizens of that country may be used in this manner.

The database for managing subscriber information stores information such as general subscriber information, passwords required for subscriber authentication, subscriber numbers issued by various organizations and organizations to which the user has subscribed, and passwords for authentication of its use. Except for the essential matters that cannot be changed by the subscriber in the contents of the database, the subscriber can always add, delete, and change various card numbers and related passwords through a network such as the Internet.

Figure 9a is a flow chart illustrating the use and approval process of the representative card on the offline in accordance with a preferred embodiment of the present invention. Of course, in addition to using the representative card by visiting the affiliate site on the online, it is provided to the offline company on the offline Of course, it is possible to use the representative card using the terminal. The use and approval procedure of the representative card in the offline company will be described with reference to FIG. 9A.

Hereinafter, with reference to FIG. 9A, it demonstrates according to flowchart.

In step 905, the subscriber visits the shopping mall.

In step 910, the subscriber's authentication process is automatically authenticated by an electronic certificate issued at the intermediary site.

In step 925, the subscriber purchases the product in the shopping mall according to the purpose of the visit.

In step 930, the shopping mall makes a payment request to the mediation site. When making a payment request, you can send the transaction details along with the payment amount.

The transaction specification refers to a product amount and information related to a product purchase, which will be described in detail with reference to FIG. 10B.

In step 932, the intermediary site authenticates the use of the representative card, and may perform the subscriber authentication process once again for security.

In step 935, the server of the intermediary site calculates the information by the card to be paid to the user by using the card information, the interest rate, the fee, etc. of the user which has been previously input. That is, the server of the intermediary site compares the points accumulated in the subscriber with the payment means registered in the representative card, and advises the subscriber of the most advantageous payment method.

In step 940, based on the result, a payment means to pay in order of payment means is presented to the subscriber.

In step 945, the user selects a point and a card to pay based on the payment method presented by the card server. It is also possible to pay the amount of payment as a lump-card or partly with points, and of course, it is possible to pay with points only.

In addition, enter the goods receipt code at the time of payment. The product receipt code is a password designated by the subscriber at the time of payment, and is managed by the mediation site. Subsequently, when the affiliate site requests payment of the settlement price to the brokerage site, it serves as a token that the subscriber has received the purchased product. In other words, after receiving a product by the subscriber, the product receiving code designated at the time of purchase of the product is delivered to the affiliated site or the offline store, which is necessary when the affiliated site or the offline store receives payment for the product from the intermediary site.

In step 950, the subscriber sends a payment method and a product receipt code to the mediation site. Herein, the payment method means a selected payment method and a payment method such as lump sum or installment.

In step 952, the payment related company including the credit card company is requested according to the payment method.

In step 955, the intermediary site generates a transaction history and stores the transaction history in the database after acquiring the use permission.

In step 957, the intermediary site sends a message to the affiliated site in the form of a purchase order for the transaction details and payment method.

In step 960, the intermediary site sends the transaction details to the subscriber in a confirmation message.

In step 962, the affiliate site stores the order details.

In step 963, the affiliate site delivers the product of the order details to the subscriber.

In step 965, the subscriber of the affiliate site receives the purchased goods.

In step 967, the subscriber delivers the product receipt code to the affiliate site.

In step 970, the affiliate site transmits the product receiving code to the broker site and requests payment to the broker site.

In step 975, the intermediary site receives the payment after requesting payment to the relevant payment related institution including the credit card company.

In step 980, the intermediary site transfers the received payment to the affiliated site.

In step 985, payment of the affiliate site is confirmed and the corresponding product purchase transaction using the representative card is ended.

Of course, the above procedure is possible in the offline store through the wired and wireless network, not the affiliate site. The use and approval procedure of the representative card offline is described in FIG. 9B.

9B is a flowchart illustrating a procedure of using and representing a representative card in an offline company according to an exemplary embodiment of the present invention.

The representative card according to the present invention can be used anywhere where a credit inquiry terminal capable of recognizing this is provided. Since the card looks the same as the existing card and can be recognized by the existing terminal, the use of the card itself does not depart from the existing environment. However, there are differences in the use and approval process of the card.

First, the user terminal of the representative card issuing authority is requested to the representative card issuer by using the representative card in the inquiry terminal where the card is to be used. The authentication procedure reads the contents of the representative card or inputs the subscriber number of the representative card. The authentication process then takes place using a general number or letter of passwords or fingerprints, voiceprints and other physical features.

If authentication is denied according to the authentication result, the authentication system records the number of authentication denials to prevent fraudulent use. The number of rejections is recorded as data to prohibit the use of the representative card.

Authentication is handled in two cases. One is that if the card to be used is merely for user recognition, the usage information pre-input to the terminal which has processed the user recognition is sent together in the representative card authentication process and immediately notified to the authentication system of the corresponding card management station to perform authentication.

In other cases, when the user can select the card to be used, the user is required to select the card to be used. At this time, the priority of using the corresponding card suggested by the authentication system is provided with the most favorable card for the user according to a predetermined logic. The cards to be presented depend on the information of the card that the user has previously entered using the communication network. When the card is selected, the representative card authentication system requests approval for use of the card issuing management office, and sends the content to the terminal after receiving the approved content.

Hereinafter, a description will be given with reference to FIG. 9B.

In step 810, the offline store is connected to the mediation site through a terminal provided in the offline store.

In step 815, the intermediary site performs an authentication procedure to authenticate the offline store and generate a cash register screen.

The cash register screen generated in step 820 is transmitted to the offline store terminal.

In step 825, information about the product list and the price of the offline store is extracted from the storage medium.

Information about the list of goods and the price extracted in step 830 is transmitted to the mediation site.

In step 840, the consumer visits the offline store.

In step 845, the consumer purchases the product in the offline store and attempts to pay.

In step 848, the consumer enters the consumer ID and password into the offline store terminal.

The above input procedure is a procedure for authenticating the representative card. The entered consumer ID and password are transmitted to the intermediary site and used for authentication of the consumer and authentication of the representative card.

Of course, in the above authentication process, the purchaser can authenticate using the representative card similarly to the use mode of a normal credit card without inputting an ID or password.

In step 850, the consumer ID and password or the card number of the representative card is transmitted to the intermediary site to request consumer authentication.

When a payment request is made to an operator terminal device intermediary site, a transaction specification may be transmitted together with a payment amount.

The transaction specification refers to a product amount and information related to a product purchase, which will be described in detail with reference to FIG. 10B.

In step 853, the intermediary site performs a consumer authentication process and a representative card use authentication process.

In step 855, the server of the intermediary site calculates the information on the card to be paid to the user by using the card information, interest rate, fee, etc. of the pre-entered consumer. That is, the server of the intermediary site compares the points accumulated in the consumer and the payment methods registered in the representative card, and advises the consumer of the most favorable payment method.

In step 860, based on the result, a payment means to be settled in the order of payment means which is advantageous to the consumer is presented.

In step 865, the consumer selects a point and a card to pay based on the payment method presented by the card server. It is also possible to pay the amount of payment as a lump-card or partly with points, and of course, it is possible to pay with points only.

In step 870 the consumer sends the payment method to the mediation site. Herein, the payment method means a selected payment method and a payment method such as lump sum or installment.

In step 875, the payment related company including the credit card company is requested according to the payment method.

In step 880, the intermediary site completes the payment and transmits the payment completion details to the operator terminal.

In step 887 the consumer is delivered the product and receives a receipt for the payment.

In step 885, the intermediary site may generate a corresponding transaction history and store it in a database after acquiring the use permission.

In step 890, the product purchase history may be sent to the buyer for confirmation.

In step 892, the offline company requests payment to the mediation site through the operator terminal.

In step 893, the intermediary site receives the payment after requesting payment to the relevant payment related institution including the credit card company.

In step 895, the broker site transfers the received money to the offline company.

In step 897, the offline company receives the payment and the corresponding product purchase transaction using the card is terminated.

10A is a flowchart illustrating a payment processing procedure according to an embodiment of the present invention.

When the subscriber authenticates his / her identity by logging on, purchases a desired product, and requests payment of the purchase price, the commerce site requests payment to the intermediary site together with the transaction details.

The brokerage site uses a financial advice system based on the calculated subscriber's points, interest rates and other factors, depending on the contents of the various payment methods (credit card, debit card, bank transfer) that the subscriber has entered in the information field of the brokerage site database. Priority of available means is provided to the subscriber to assist in the selection and the subscriber selects the optimal payment method from among them. This form is achieved by three things:

According to an embodiment of the present invention, once the information on the various payment means is input only to the intermediary site, it is not necessary to input the information on each payment means at each site at each commerce, and the input information is also provided for each payment means. Only the aliases that represent them, not the details, are handled with them, thus avoiding exposure to the information.

According to another embodiment of the present invention, credit can be provided between subscribers of an intermediary site. One of the payment methods owned by one subscriber is allowed to be used by another subscriber so that other subscribers can use it as if they were registered as long as they were allowed.

According to another embodiment of the present invention, the electronic certificate for various commerce authentication is also encrypted in the form of an electronic wallet and stored in the subscriber's own information database of the intermediary site so that it can be used whenever necessary. This makes it possible to automatically process by using the payment method selected in the payment screen without having to store in the communication device for the transaction using the intermediary site that requires the electronic certificate.

Payment may be made in advance, debit (concurrent payments), or postpay, depending on the type of commerce and commerce. In the case of prepayment, if the subscriber requests payment after purchasing the product, the card issuer will be authorized to use it and the payment will be paid to the sales site according to the approval result.If payment is received after the receipt of the product, the subscriber will receive a one-time confirmation of the product transaction when purchasing the product. After entering the code, the product is received and the receipt confirmation is notified to the commerce company or the delivery person so that the goods receipt code is entered into the payment system so that the payment process can proceed. In the case of postpay, the subscriber enters the one-time receipt code to confirm the merchandise transaction at the time of purchase, and receives the merchandise and informs the commerce company or the forwarder of the receipt of the merchandise, which must be entered into the payment system. The payment process must be completed after the receipt of the goods within a certain period of time without any complaints about the goods or the satisfaction of the goods received. In this case, if the consumer has a complaint about the received product, the customer may complain about the transaction on the intermediary site within a certain period of time. Transaction details and payment details are stored in the database and used as basic data for marketing and inflation information.

Hereinafter, the payment procedure according to the flowchart will be described with reference to FIG. 10A.

In step 1010, the intermediary site receives the transaction details for the product that the user finally decided to purchase from the shopping mall.

Here, the transaction details received by the intermediary site may include only the payment amount, or may include a transaction specification including information about the product together with the payment amount.

In step 1015, the authentication process of the user for the transaction specification received at the intermediary site is continued.

After authenticating the user for the commerce, the payment system of the intermediary site mediates the payment for the purchased goods. Here, the authentication method may be basic authentication, authentication by a password used for the representative card, authentication by a user random number check, authentication by fingerprint recognition, and a combination thereof. Among the authentication methods described above according to a user's selection One or more combinations can be selected.

Also, in order to increase the security by the user's e-commerce in the authentication process, retry is allowed only until authentication fails up to three times. If this allowance is exceeded, payment for the corresponding transaction will not be allowed.

In step 1020, an information input procedure for the orderer and the recipient of the product is continued.

The orderer may be a subscriber of the affiliated site, and the recipient of the product may not be a subscriber of the affiliated site. In the information input process, the information of the orderer (subscriber) and the recipient information are checked, and whether or not the information is matched with the member information of the existing database, the user information is updated.

The payment advice system of the brokerage site provides the optimal payment method in consideration of the registered card, the card donated by others, the interest rate, the preferential card of the shopping mall, the accumulated points, the conversion rate of the shopping mall of the accumulated points, and the payment method. Recommend to consumers.

In step 1030, the consumer selects a payment method and a payment method based on the information of this payment advice system.

There are three types of payment methods: single payment, multiple payment, and micropayment.

A single payment is made with only one of the registered cards. Multi-payment is a payment by dividing two or more cards among registered cards. And micropayments are payments made with the balance of points or median sites earned by advertising or other means.

Finally, in step 1035, the final authentication process is performed.

Final certification refers to the certification of payment. Authentication is performed for the card to be paid by entering a secret number, a product receipt code, and the like. Alternatively, if the owner of the card selected in step 1030 is not confirmed, final authentication of the card to be paid may be performed by inputting an authentication password.

A secret number is a random number table given by a user from an intermediary site. According to a preferred embodiment of the present invention, a serial number is assigned to 35 pieces consisting of four digits.

According to the payment policy of the shopping mall, a payment method such as postpay or post-payment may be selected, rather than prepaid. The goods receipt code is a confirmation number that the goods recipient informs the delivery person or the shopping mall as a means for confirming that the delivery is well done to the recipient in the case of such postpaid or post-payment payment. The shopping mall or the procurement supplier presents the goods receipt code when requesting a payment, and assumes that the recipient has received it. Such a product receipt code is entered in advance by the purchaser when the purchaser proceeds to the brokerage site.

In step 1040, the intermediary site acts for payment and distributes the payment amount.

That is, the intermediary site makes a request for approval to the credit card company. According to the approval result and the consumer's receipt of the goods, the payment is received from the financial institution and the amount is distributed to the online store, the procurement company, and the brokerage site.

According to one embodiment of the invention, the payment method of the product purchased by the user may be a small payment method. The micro payment method refers to a method in which payment is made immediately without a separate payment confirmation procedure in a state in which a predetermined amount is deposited in advance.

In the case of making a small payment, the amount is immediately transferred from the subscriber account to the affiliate site account. Through this process, payment is made immediately without further processing with the subscriber.

10B is a flowchart illustrating a payment process for an online received product according to an exemplary embodiment of the present invention.

In step 1050, the intermediary site sets the basic revenue share ratio for the content in the affiliate site, i.e., the work of the copyright holder or the content provider, when the work is sold or used.

Step 1055, step 1057, and step 1060 are omitted because they are similar to the authentication procedure by the digital certificate described with reference to FIG.

In step 1070, the subscriber selects the purchase of goods that can be received online, such as watching a movie, and determines a payment method.

In step 1071, it is determined whether the copyright of the product requested for purchase exists in the affiliated site.

If the copyright of the product requested for purchase is on another affiliate site, information about the copyrighted work corresponding to the copyright of the corresponding product is transmitted to the intermediary site.

The information corresponding to copyright includes a product code, an affiliate site code, a price, a subscriber code, a copyright holder or a content provider code, a revenue share ratio, and the like.

In step 1072, information such as a product code, an affiliate site code, a price, a subscriber code, a copyright holder or a content provider code, a revenue share ratio, and the like are transmitted to the intermediary site, and a payment is requested.

In step 1073, the affiliate site transmits information about the corresponding product to the broker site and requests payment.

In step 1074, it is determined whether a separate contract revenue share ratio for copyright or contents, etc., has been received for the product for which payment is requested. If not, the value set in step 1050 is applied.

In step 1076, the value of the revenue share ratio is set.

In step 1075, the intermediary site has already been authenticated to the subscriber to the affiliate site, and according to the request for payment of the affiliate site, the sales, royalty or information on the affiliate site, the copyright holder or the content provider, or the intermediary site according to the ratio Settlement fee is divided into service fee and brokerage fee.

In step 1077, the intermediary site transmits the settlement result to the affiliated site.

In step 1080, the affiliate site allows the subscriber to use the online product according to the payment result.

10C is a diagram illustrating a table of transaction details received from an online store by an intermediary site according to an exemplary embodiment of the present invention.

The online store sends transaction details of the product that the user finally decided to buy to the broker site. The brokerage site acts for settlement with financial institutions, including credit card companies, on the transaction details.

Here, the transaction details received by the brokerage site may include only a payment amount, and may include a transaction specification including information on a product together with the payment amount.

If only the payment amount is sent, the payment amount includes the payment total, the business number and the order number, where the business number is the business number of the online store.

When transaction details are sent, they may include the total number of payments, carrier number, order number, commodity code, commodity price, number of orders for each commodity, payment method (prepaid, postpaid or post-payment), procurement status, procurement price, etc. have.

10D is a table illustrating an authentication method in a process of authenticating a user for a transaction specification received at an intermediary site according to an exemplary embodiment of the present invention.

The user's authentication of the product is required by inputting user information, and the payment system of the intermediary site mediates the payment for the purchased product. Here, the authentication method may be basic authentication, authentication by a password used for the representative card, authentication by a user random number check, authentication by fingerprint recognition, and a combination thereof. Among the authentication methods described above according to a user's selection You can choose one.

Basic authentication means authentication using only ID and password.

The card use password means a password that authenticates when using a card.

What is authentication by user random number check? As a combination of four digit numbers called a secret number, a serial number is provided, respectively.

It is also possible to authenticate by fingerprint recognition, and pupil recognition and voiceprint recognition, which can be authenticated by other people's physical characteristics, are also possible.

One or more authentication methods may be selected by the user, and after the user selects an authentication method, an authentication process is performed according to the selected authentication method.

11 is an overall flowchart illustrating a method for procurement by linking an online store and an offline store in an intermediary site according to an exemplary embodiment of the present invention.

In an e-commerce online store, a product is sold to a buyer and the transaction is sent to a broker site for payment. The online store must purchase and store the merchandise in advance and send it to the shipping company or procure the product at the same time as the sale takes place. Under such a procurement structure of goods of electronic commerce, the kind that can be achieved through electronic commerce is limited by the nature of the product. In other words, the type of goods is limited by factors such as delivery characteristics, time and regional limits. In addition, if the total amount of goods purchased at a time is a small amount, the proportion of the delivery cost is high, so that a transaction cannot be made, and a consumer may even purchase an additional product.

These problems can be solved by the purchase procurement structure according to an embodiment of the present invention.

Including the merchandise item, delivery address, procurement value, delivery deadline, and delivery terms in the transaction history sent from the online store to the intermediary site and posting to the procurement procurement brokerage system on the intermediary site, allowing the existing offline store to accept purchase and procurement conditions It is a business structure.

Logistics costs can be reduced by minimizing the range of movement of goods, and the restrictions on the products of e-commerce can be overcome. In addition, it is possible to provide various types of services according to the level desired by the consumer such as delivery within 1 hour.

By solving the problem of the procurement sector when entering the e-commerce market according to the present invention, it is possible to obtain an effect of improving the quality of service due to competition by removing barriers to entry of the new company. It is possible to maintain a relationship with the local consumers of existing offline stores and to improve service satisfaction by sales. A business structure is created that can make the most of the advantages of the existing commerce structure and the advantages that e-commerce can provide.

In an exemplary embodiment of the present invention, if an online bookstore receives an order of 10,000 won books, it is difficult to make a transaction because the proportion of the delivery fee for the book value is large. However, under the new e-commerce structure according to the present invention, the order is publicly procured to existing bookstores, and the bookstore nearest to the delivery station directly delivers the book owned by the buyer and receives the goods receipt code from the buyer. When the delivery agent accesses the intermediary site through the network and checks whether the product is delivered from the intermediary site, the intermediary site performs the final processing of the transaction. The procurement amount paid by the consumer is distributed to existing bookstores and online bookstores for final settlement.

In step 1100, the member logs in and authenticates, and then applies to purchase an item at an online store.

In addition to the authentication process here, automatic authentication is performed by the affiliated site itself authentication or the electronic certificate issued by the intermediary site.

In step 1105, the buyer purchases a product meeting the desired conditions.

In step 1110, the online store transmits a transaction specification of a product purchased by a buyer to a brokerage site, and items for requesting procurement may be separately displayed.

In step 1111, the buyer performs a payment process at the broker site.

In step 1112, the buyer enters a product receipt code when performing the payment procedure.

In step 1113, a product requested by the buyer is posted on the product bulletin board and announced.

In step 1115, the offline store accesses the brokerage site and checks the product list.

In step 1120, the offline store that satisfies the goods and other service requirements posted by the consumer applies for delivery to the intermediary site.

In step 1123, a list of offline stores that have applied for delivery is posted.

In step 1130, the online store accesses the brokerage site and determines a supplier from among the posted offline stores.

In step 1135, the online store transmits the result of the vendor decision to the mediation site.

In step 1137, the broker site transmits the decision result of the online store to the offline store.

The offline store selected in step 1140 delivers the goods under service conditions that meet the buyer's desires under favorable local conditions.

In step 1145, the goods receipt code is received as an indication that the delivery was made without error.

This is the password that the consumer inputs to the brokerage site when purchasing the product, through which it is determined whether there is a delivery abnormality and payment of each product through the password.

In step 1150, the offline store transmits the received goods receipt code to the mediation site.

In step 1155, the intermediary site compares the product receiving code received at the offline store with the product receiving code entered by the buyer at the time of purchasing the product to check whether the buyer has received the product.

In step 1160, if the goods receipt code matches, the card company requests payment.

In step 1165, the card company makes a payment and receives the payment.

The payment received in step 1170 is distributed to the online store and the offline store.

According to an embodiment of the present invention, the distribution method preempts a fee proportional to the payment price at the intermediary site, distributes the procurement price for each item to the offline store receiving the successful bid, and the affiliated site is the payment price. The fee and the procurement desired price may be distributed.

In step 1175 the broker site transfers the sales margin to the online store.

In step 1180, the mediation site remits the product procurement price to the offline store.

12 is a flowchart illustrating a procedure for purchasing and procuring goods of an online store and an offline store in a purchase procurement system according to an exemplary embodiment of the present invention.

In step 1205, the intermediary site receives the product purchase information and a product receipt code for each product.

Here, the goods receipt code is an indicator for determining whether the goods are delivered. This is the password that the consumer inputs to the brokerage site during the payment process after purchasing the product. Through this, it is determined whether there is a delivery failure and the payment of each product is made through the password.

The product receiving code is stored in the intermediary site and then used by the offline store in the payment processing procedure after the product is shipped.

In step 1210 the mediation site posts information about the procurement desired item in the commodity purchase transaction specification.

In step 1215, wait until the general offline store or another operator responds for a predetermined period of time. Thus, when one or more vendors respond, they proceed to the next step.

In step 1220, the intermediary site publishes a bidding company and publishes the bidding company so that it can be checked and selected in an online store.

The online store selects the bidding company because the user purchased the product from the online company, and the online store shall bear the authority and responsibility. This is because the brokerage site only acts as an agent for offline store selection support, delivery confirmation and payment.

An offline general store, which accepts the procurement conditions of the online store, applies for delivery to the intermediary site.

In step 1225, the online store determines the offline store, and in step 1230 notifies the fact that the offline store is a successful bid and product delivery.

In step 1235, the offline store receives the goods receipt code after sending the goods, sends them to the intermediary site, and requests payment.

In operation 1240, the payment method of the buyer who purchased the product is determined.

The payment method according to an embodiment of the present invention includes a direct debit (payment simultaneously with a payment) and a postpaid meal.

In the case of direct debit in step 1245, the product receiving code only determines whether the product is received by the subscriber.

If the goods receipt code presented at the offline store does not match the goods receipt code entered at the time of purchase of the goods with the buyer, the payment process is not performed until the correct goods receipt code is entered.

If the goods receipt code matches in step 1250, the payment process of goods is carried out. Payment is made based on the payment received from the original subscriber for the online, offline, and intermediary sites after receipt of all the products purchased by the original subscriber in bulk online, and therefore the final product may not be delivered. Payments will be put on hold until payment is received for all products, and payments will be made for online, offline and intermediary sites.

In the case of postpaid payment, the product receiving code is checked in step 1250.

In step 1260, the customer's satisfaction with the product is examined.

It is a function that can judge not only the delivery of goods but also the satisfaction of goods to customers.

If the customer is satisfied, the payment is made in step 1255. If the customer is not satisfied, the transaction history is deleted in step 1265, notified to the online shopping mall, and then terminated. All post-processing of this transaction is then handled by the online shopping mall.

13 is a flowchart illustrating a procedure in the case where a successful bid is canceled after a successful bid is made in the purchase procurement system according to an exemplary embodiment of the present invention.

The procedure of step 1330 in step 1305 is the same as that of step 1205 to step 1230 of FIG. 12, and will be omitted.

In step 1335, it is determined whether the successful bid is canceled or not.

In the case where the transaction proceeds without cancellation, the transaction is ended by delivering the offline shopping mall product in step 1340 and making a payment in step 1350.

If the cancellation is made, it is determined in step 1341 where the subject canceled the successful bid. In other words, it is determined whether the supplier cancels the auction of the online store or the offline store that has been successful.

If the successful bidder (offline store) cancels in step 1343, the canceled bidder enters the above fact into the intermediary site and the intermediary site notifies the online store of this fact.

In step 1345, the re-bidding method is determined.

If the online store cancels a successful bid, another bidder is selected from the bidders, or a list of products is posted again to recruit bidders.

If there is no reasonable company that satisfies the consumer among the bidding companies, it can be posted again on the product list for re-auctioning, and the successful bidder is not suitable for the consumer and can satisfy the satisfaction of the consumer among those who have failed If there is a business, it is selected.

Thus, when the successful bidder cancels the successful bid, the newly successful offline store delivers the goods. According to the present invention, it is possible to optimize logistics by creating a new structure of electronic commerce while incorporating existing commerce practices into electronic commerce.

14 is a diagram illustrating a system configuration of an intermediary site according to an embodiment of the present invention.

The system of the mediation site is composed of a log generation and advertisement distribution system 1410, a payment settlement and mediation system 1420, a marketing data mining system 1430, and a database 1440.

The log generation and advertisement distribution system 1410 generates a log file of the advertisement history viewed by the user, the purchased product history, and the history of the user's activity on an intermediary site or an affiliate site.

The generated log file is stored in a database, and then used as basic data for providing advertisements or customized services for individual customers.

Payment settlement and intermediary system 1420 is performed on behalf of a payment with a financial institution including an existing card company.

Data mining is the process of finding patterns and trends inherent in large volumes of data and extracting information for more advanced concepts. An interactive tool that allows users to access a database management system (DBMS) and retrieve data conveniently and accurately.

Since the marketing data mining system 1420 generally includes time concepts such as time series, sequentiality, and periodicity, the common characteristics of data in the E-business field include data including time concepts in performing the data mining process. Mining techniques are at the heart of customer service.

The log file generated by the log generation and advertisement distribution system 1410 and stored in the database may be utilized in the customer relationship management (CRM) and the supply chain management system (SCM) through the marketing data mining system 1430.

The database 1440 stores data required for authentication processing agency, representative card use, purchase procurement system, advertisement transmission, or generated through the service provided by the intermediary site.

Hereinafter, each database will be described with reference to the drawings.

15A is a diagram showing a table of data constructed in a subscriber database according to an embodiment of the present invention.

The subscriber database stores basic information input when a user registers as a member and newly generated information on the site according to the present invention.

15B is a table structure constructed in a database of an advertisement reception log file according to an exemplary embodiment of the present invention.

The advertisement reception log database records the advertisement reception history of the subscriber, and can be used for personalized customer service after grabbing points or identifying the taste and preference of the subscriber.

15C is a diagram showing a table of data constructed in a database of an affiliate site according to an embodiment of the present invention.

The database of affiliate sites stores information about affiliate sites affiliated with the mediation site.

15D is a diagram showing a table of data constructed in an advertisement database according to an embodiment of the present invention.

The advertisement database stores the information necessary for each advertisement, which is a database for the advertiser. By analyzing the advertising database, advertisers can create effective and efficient targeted advertising.

15E is a diagram showing a table of data constructed in a commodity database according to an exemplary embodiment of the present invention.

This is used when introducing a product to the consumer when the buyer searches for the product.

15F is a diagram showing a table of data constructed in a commodity transaction main log database according to an embodiment of the present invention.

15G is a diagram showing a table of data constructed in a commodity transaction sublog database according to an embodiment of the present invention.

The commodity transaction log database records the transaction details of the product purchased by the consumer at the shopping mall or the product procured by the shopping mall, and can be used for personalized customer service by grasping the payment agent or the taste and preference of the subscriber. have.

The commodity transaction log database is divided into a main database and a sub database, and information on a buyer who purchases a product is stored. On the other hand, the product transaction sublog database stores the purchase conditions of the product and information on the product.

15H is a diagram showing a table of data constructed in a card database according to an embodiment of the present invention.

The card that the user already has is represented by the representative card, and the card database is used when each card information is needed by the representative card.

FIG. 15I illustrates a table of data constructed in a card use authorization transaction specification database according to an exemplary embodiment of the present invention.

Even if the card is used as represented by the representative card, the ultimate payment is made by the actual card. Therefore, the payment details of the authorized transactions for each card are stored at the time of payment.

Although the above has been described with reference to a preferred embodiment of the present invention, those skilled in the art to which the present invention pertains without departing from the spirit and scope of the present invention as set forth in the claims below It will be appreciated that modifications and variations can be made.

As described above, according to the present invention, integrated management of subscriber information eliminates the burden of subscriber information management for each operator, and subscribers can be easily attracted to each operator by reducing the rejection of subscriber registration when new sites are visited. have.

It keeps the professionalism of various information providers relying on the advertising fee and relieves the burden of self-advertising, and returns the advertising cost transferred to the product to the consumer. It also helps subscribers try to visit unknown sites with higher profits for higher viewership revenues, and is effective for advertising to specific audiences with new or fewer subscribers.

Advertisers who receive information about the exact number of viewers can adjust the advertising effect paid to subscribers by adjusting the advertising period at a predetermined cost to adjust the advertising effect. In addition, it is possible to reduce costs by deploying an optimal marketing policy for the market by using information such as how the form of purchase after viewing an advertisement appears.

The sale site can attract subscribers naturally by granting the right to use the purchase for points accumulated, that is, a kind of profit, even if it is not a separate advertisement, and attract more active subscribers, such as applying fluctuating exchange rates for points. Can be used as a means to try. In addition, the application of variable exchange rates to points in the market enables the return of sellers' advertising costs to consumers more actively, as well as the repayment of secondary subscriber transactions and access to more expensive markets.

It is possible to save and use various card information registered by subscribers in the database connected to subscriber's unique number for various payments, and to secure all kinds of cards and security problems resulting from exposing information such as actual credit cards during commerce. Can solve the inconvenience to carry.

Credit grants between subscribers of intermediary sites eliminate the inconvenience of individual subscription or use management of multiple payment methods for family members or members of a business place, thereby increasing convenience and reducing various incidental expenses.

In addition, by storing the personal digital certificate in the form of electronic wallet in the information area for each subscriber, it is possible to remove the inconvenience of using the electronic certificate due to the user's location change and to use it safely and conveniently. With the ease of large-scale transactions, a large-scale transaction that collects the transaction history of each credit card company and each e-commerce site can reduce the merchant commission rate and return the profit to each e-commerce site and consumer.

It provides new credit card service providers with the convenience of attracting subscribers to help them easily enter the market, thereby reducing various expenses. And this part can be used for consumer service to induce natural competition among credit card operators. This reduction, which was difficult in the conventional structure, allows the credit card merchant fee cuts to be substantially reflected not only to the merchant commerce site but also to the consumer.

Product division and sales for consumers are handled by online stores, while actual sales and services are divided by existing commerce operators. The division of labor reduces logistics costs by minimizing goods movement. In addition, it is possible to overcome the limitations of e-commerce items due to micro transactions or product characteristics, and to provide a level of service desired by consumers. Moreover, as the barriers to entry of new firms are eliminated by solving the procurement sector when entering the e-commerce market, it is possible to improve service quality due to competition. Maintain continuous consumer relations centering on local regularity of existing commerce companies You can make the most of the advantages of the existing commerce structure and the advantages that e-commerce can give, such as improving the customer's service satisfaction by sales.

This business structure has a positive effect across all sectors of the information and telecommunications market, giving each operator the opportunity to easily enter the initial market and create another market.

It provides basic data on activities across various economic sectors by monitoring the advertisement receipt and purchase payment history of each subscriber, and helps advertisers with future marketing policies by presenting accurate advertisement delivery and purchase connection in the market. .

The government provides basic data on tax management and inflation policy based on transparent transaction history information, and provides consumers with various commodity information based on the actual transaction price.

Claims (2)

A method of performing an electronic transaction for providing authentication and payment service at an intermediary site connected to an operator terminal and a plurality of card issuers through a communication network, Performing the operator authentication; Generating a cash register screen; Transmitting the generated cash register screen to the operator terminal; Receiving information about a product list and a price through the operator terminal; Receiving consumer authentication information through the operator terminal; Authenticating a consumer using the consumer authentication information; Extracting a representative card corresponding to the consumer; Authenticating the extracted representative card; Extracting a card list registered in the representative card; Transmitting the extracted card list to the operator terminal; Receiving a card identifier corresponding to the card selected from the card list by the subscriber corresponding to the representative card from the operator terminal; Extracting card information corresponding to the card identifier; Transmitting the extracted card information to a card issuer corresponding to the card identifier among the plurality of card issuers; Receiving authorization information generated using the card information from the card issuer; Transmitting the approval information to the operator terminal Including, The method of performing an electronic transaction, characterized in that the plurality of cards are unified at the intermediary site to perform subscriber authentication and payment with one representative card. The method of claim 1, In extracting the list of the card registered in the representative card, And transmitting information including the priority of the use of the card to assist the subscriber in selecting a card to pay.