KR20040074714A - Smart card and sanction method to buy thing through internet and mail order - Google Patents

Abstract

PURPOSE: A smart card and a settlement method for shopping through the online and the mail-order sales are provided to prevent the leakage of personal information on Internet shopping by making a customer buy a desired product as inputting a serial number of a shopping card, and making the customer perform settlement at each banking institution, a convenience store, or an ATM(Automated Teller Machine). CONSTITUTION: The smart card comprises the serial number(11) and a barcode(12) or a magnetic stripe(13). The serial number is inputted for confirming a purchase state of an article when the customer buys the article through the Internet or the communication. When the customer the customer performs the settlement at each banking institution, the convenience store, or the ATM, the barcode or the magnetic stripe is scanned by a settlement system.

Description

Smart card and payment method for shopping through internet and mail order {SMART CARD AND SANCTION METHOD TO BUY THING THROUGH INTERNET AND MAIL ORDER}

The present invention relates to a payment method for purchasing goods through the Internet and a mail order and paying the amount thereof, and more particularly, to obtain a shopping card that is reflected in each financial institution, convenience store, shopping stand, and the like. When purchasing a product, enter the card's unique number (card number) to purchase the product by pre-purchasing the product, and then make payment by credit card or cash at a financial institution, convenience store, or cash machine according to the buyer's convenience. It relates to a smart card and payment method for shopping through the Internet and mail order.

In general, in order to shop, a person visits a department store and a market or a store to shop directly, and purchases a necessary item and pays an amount according to the item by a card or cash.

Such a conventional shopping method is a direct visit by a consumer, and a lot of manpower and time are consumed, and if there is a defect in a purchased product, the visitor needs to visit and receive a replacement and a refund. Time-consuming problems have arisen.

Therefore, in recent years, advertisements for household goods are being launched on TV, newspapers, magazines and the Internet even without visiting department stores and stores. Consumers can directly access these advertisements at home and order the items they need by phone or on the Internet. Orders are paid by the Internet, and the price of the goods can be deposited using Internet banking or by credit or prepaid cards.

However, since the credit card and prepaid card are recorded personally identifiable information (resident registration number, address, telephone number, etc.), if the card number of the credit card and prepaid card is leaked to others, it will cause great damage to consumers. There is a problem and the situation is avoiding payment on the Internet.

In addition, people who do not have a credit card or prepaid card cannot purchase goods over the Internet or telecommunications because they do not have a payment method (credit card, prepaid card) even if they want to purchase the goods through communication and the Internet. Shopping does not give much confidence to consumers.

Accordingly, the present invention has been made to solve the above-mentioned problems and has the following object.

An object of the present invention is to provide a shopping card for free shopping on the Internet and communication, so that consumers can purchase a desired product by inputting a unique number of the card, and at the convenience of each financial institution and By providing a payment at a convenience store or a cash machine, an online shopping card is provided to prevent personal information from being leaked during internet shopping.

Another object of the present invention is to enable consumers without credit and prepaid cards to freely communicate and shop on the Internet.

1 is a plan view showing a smart card for making purchases and payments on the Internet and communication according to the present invention,

2 is a structural diagram showing a method and a payment process for purchasing goods using a smart card on the Internet and a mail order according to the present invention;

3 is a block diagram showing a method of purchasing and paying goods according to the present invention.

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

10: smart card 11: card number

12: Barcode 13: Magnetic strip

Hereinafter, with reference to the accompanying drawings which are preferred embodiments for carrying out the present invention described above will be described in detail.

In the following description of the present invention, if it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

Terms to be described later are set in consideration of functions in the present invention, which may vary depending on the intention or custom of the producer producing the product, and the definitions should be made based on the contents throughout the present specification.

1 is a plan view showing a smart card for purchasing and paying goods on the Internet and communication according to the present invention, which is inputted to confirm the purchase state of the goods when shopping on the Internet and communication A unique number 11 of the card; A barcode 12 and a magnetic strip 13 are formed to scan the recording medium for the card in the payment system so that the value of the purchased item can be paid through each financial institution, convenience store or cash dispenser.

In order to purchase goods and pay for the goods through the communication sale and the Internet using the smart card 10 as described above, as shown in FIG. 2, information about the necessary items is collected using the Internet advertisement and the mail order. After comparing and judging, if there is an item that the purchaser wants to purchase, the card number 11 is input using the smart card 10 possessed by the purchaser and placed in the pre-purchase state.

At this time, in order to make a pre-purchased purchase of goods on the Internet and communication using the smart card 10, select a convenient payment (Convenience Smmartpit) on the Internet, select whether to pay by cash or card, and then And input registration of the card number 11 provided in the smart card 10.

In addition, the smart card 10 made of the present invention is reflected in each financial institution, convenience stores, stores, etc., anyone who wants to shop using the Internet and communication can be acquired.

As described above, if the product is applied for pre-purchase, it is sent to a shopping mall (Internet shop, a communication sales company) to recognize the unique number 11 of the smart card 10, and the pre-purchase pre-purchase status of the purchase item in the shopping mall. It is designated as a state, and also records the goods value for the smart card 10 that was used when purchasing goods.

In order to purchase goods and pay the amount through the Internet and communication as described above, carry the smart card 10, visit a financial institution and a convenience store, and present the smart card 10 to check the price of the goods for purchase. The payment method you choose is cash or card payment.

At this time, the smart card 10 of the present invention is made of a unique number 11, a barcode 12, a magnetic strip 13 is formed, the unique number 11 is input when purchasing the goods on the Internet as described above In order to make a payment, when the barcode 12 and the magnetic strip 13 are scanned, the payment amount of the smart card inputted to the payment system of the shopping mall is transmitted through the online, and only the input amount is paid.

When the payment is completed by the buyer, the payment amount is transmitted to the smart card center, and the smart card center notifies the payment to the shopping mall, and the shopping mall delivers the goods to the consumer.

In this case, the goods are delivered to the shipping address entered by the buyer at the initial purchase of the goods, but when the buyer requests the change of the delivery address, the smart card center notifies the shopping address to the shopping mall and is delivered to the changed shipping address.

In addition, if a buyer wants to receive goods through a convenience store, the smart card center only informs the unique number of the convenience store, and when the smart card center notifies the shopping mall, the shopping mall delivers the goods to the received convenience store.

More specifically, as shown in the accompanying drawings, Figure 3, in step S100 acquires the smart card jade in each financial institution, convenience store stores and the like.

In steps S110 and S120, a user can freely enjoy shopping through each shopping mall by accessing communication and the Internet, and selects a payment method by selecting a convenient payment (Convenience Smartpit) when an item to be purchased is selected, and a destination to receive the item. If you enter the smart card's unique number, the goods will be placed in the pre-purchase state.

In step S130, the purchaser visits a financial institution and a convenience store within 15 days of the designated date, presents a smart card, checks the amount, and pays.

At this time, if the payment is not made within the designated date, the goods requested for reservation purchase are automatically regarded as canceled in the shopping mall, and the reservation purchase status is returned to the canceled state.

In addition, when the purchaser requests a change of delivery address when paying for the goods, the receiving institution notifies the smart card center, and the smart card center notifies the customer by re-entering the changed delivery address to the shopping mall. Will be.

If the payment is confirmed in the financial institution, convenience store or cash dispenser at step S140, the payment is sent to the smart card center, and the card center notifies the shopping mall.

In step S150, the payment notice is confirmed in the shopping mall, and the goods are delivered to the desired delivery address according to the date.

Here, if the smart card is lost after purchasing the goods, after 15 days have elapsed, all the goods shopping using the card are automatically canceled, and if you want to shop again, you can get the jade card and shop.

In addition, smart cards do not record personal information, so even if lost, the consumer does not suffer disadvantages even if a separate loss report to the card company.

On the other hand, it can be variously modified by those skilled in the art and may take various forms. It is to be understood, however, that the present invention is not limited to the specific forms referred to in the above description, but rather includes all modifications, equivalents and substitutions within the spirit and scope of the invention as defined by the appended claims. It should be understood to do.

As described above, the present invention provides a smart card formed with a unique number, a bar code, and a magnetic strip to facilitate shopping on the Internet and communication, so that goods can be purchased through a simple procedure by internnet and communication. It is very useful to achieve various effects, such as making it possible to pay at each financial institution, convenience store or cash machine according to the convenience of consumers, and to prevent the leakage of personal information when shopping on the Internet. It is obvious that the invention.

Claims (2)

A unique number 11 of a card inputted to check the purchase state of the goods when shopping on the Internet and communication; The smart card includes a barcode 12 and a magnetic strip 13 that allow the payment system to scan the recording medium for the card so that the value of the purchased item can be paid through each financial institution, convenience store or cash dispenser. Smart card and payment method for shopping through the Internet and mail order comprising a. In the payment system for purchasing goods and paying for goods using a smart card, Smart card and payment for shopping through the Internet and mail order, characterized in that the purchase of goods using the Internet and mail-order sales, presenting a smart card at a financial institution, convenience store or cash machine, and confirming the amount Way.