KR20040084557A - Operation method and system of settlement service for electronic commerce and membership fee payment by e-mail - Google Patents

Abstract

PURPOSE: A method and a system for operating an EC(Electronic Commerce)/membership fee settlement service using an e-mail are provided to freely and safely perform the e-mail EC independent of a portal site, and directly perform the membership fee settlement on the e-mail. CONSTITUTION: An operating system is connected receiving terminals(10-13) and sending terminals(20,21) on an Internet protocol network, and is connected to a bank/credit card/mobile settlement agency(102), an insurance company(103), and a delivery company(104) through the wire/wireless Internet network(1). A web server(110) distributes the information and the PR(Public Relation) for a service, and performs the e-mail EC/membership fee settlement service by linking with an e-mail/SMS(Short Message Service) server(120). The web server downloads a client program(200) to the sending terminal if a sender requests the service by registering as a member. If a mail receiver receives the mail directly performing the EC and the fee settlement, the web server downloads an OCX(OLE(Object Linking and Embedding) Custom Control) file(100) to the receiving terminal.

Description

How to Operate Email E-Commerce and Dues Payment Service and Its Operation System {OPERATION METHOD AND SYSTEM OF SETTLEMENT SERVICE FOR ELECTRONIC COMMERCE AND MEMBERSHIP FEE PAYMENT BY E-MAIL}

The present invention allows an email sender, a client program user, to directly perform real-name e-commerce, dues billing, and fundraising activities, and obtains customer acquisition, relay fee revenue, and financial interest income by email research from an email mediator of an operating system. The present invention relates to a method for operating an email e-commerce and membership payment service and its operating system that allows a recipient to directly process an application, payment, inquiry, and cancellation on an email.

The Internet enables the rapid exchange of up-to-date information with each other based on data communication performed by a communication line connecting a terminal (client) in a remote or distributed area with a computer (server) installed in the center. Beyond voice, it is rapidly evolving to the stage of breathing with humans by quickly exchanging compressed video.

In particular, e-mail refers to e-mail using ordinary wired and wireless Internet networks, and is a data communication means capable of sending and receiving messages between users identified by e-mail addresses.

These e-mails include simple text mail, which is most commonly used, and SMS (Short Messaging Service), Multimedia Messaging Service (MMS), and Enhanced Messaging Service (EMS) messages that interoperate with wired and wireless Internet networks and the Automatic Response System (ARS). have.

The product purchase and payment method by electronic commerce using an e-mail or an instant message through the wired or wireless Internet according to the prior art has been disclosed in Korean Patent Laid-Open Publication No. 2001-0082475.

The conventional product purchase and payment method as shown in Figure 1, the operator of the portal site (1) broadcasts all information or advertising mail about the product in the form of a subscriber or subscriber to the site member, e-mail or instant Sending in a message (S10), the subscriber opening an email or an instant message (S11), opening a product advertisement mail that has arrived at them and inquiring the contents of the advertisement mail (S12); Separately, the subscriber requests information of a product to be purchased in a 1: 1 manner with the site operator through an e-mail or an instant message (S25); Step (S13) of retrieving the product information feeling the purchasing power among the advertisement mails sent by the site administrator, or the product information which he / she ordered and sent in an e-mail or an instant message with a graphic, a photo, a video, etc. (S13); Selecting (S14), pre-purchasing (S15), or purchasing now (S16) a product selected in the step; Payment for goods purchased via email or instant message can be paid instantly via online bank transfer, credit card, debit card, etc. through the bank (S17, S18), but can be paid now or later (S19, S20), at this time, the list of payment institutions is presented (S21), the payment confirmation step (S23) and the product delivery condition notification step (S24) performed by the payment method selection of the subscriber (S22).

However, since the purchase and settlement of goods by e-commerce using e-mail or instant message through wired / wireless internet according to the prior art have to write and send mail directly from the portal site, offline or online companies are not allowed to work online on the portal site. Whenever there is an item to be sold or sold, the item is registered with the administrator of the portal site, and the administrator of the portal site sends an email to the recipient of the mail on behalf of the sender, so the mail sender independently sends or pays the email. It was virtually impossible to perform and very inconvenient to use.

Since the conventional product purchase and payment method is a centralized network environment for writing e-mail contents in a portal site, there is a disadvantage that small SOHO operators or e-mail marketers are bound to a subordinate network of the portal site.

In addition, the conventional method of purchasing and paying for a product may be linked to a product sales and payment site provided by a portal site by clicking on a promotional picture file enclosed in an e-mail like a conventional e-mail marketing, or a bank / credit card / mobile payment agency homepage. It does not solve the security problem because it takes the form of linking to.

In addition, the conventional product purchase and payment method according to the absence of an independent e-commerce and dues payment program, even those who wish to e-mail e-commerce and dues payment will be reluctant to pay directly on the e-mail, as a result e-commerce through e-mail B. The reliability and utility of dues payments have been adversely affected.

Accordingly, an object of the present invention is to provide an operating system for managing only mail security transmission and reception, a mail sending terminal provided with a sender-only client program, and a mail receiving terminal provided with a recipient-only OCX in a wired / wireless internet network. The purpose of the present invention is to provide a method of operating an e-commerce and membership payment service that can freely and securely perform e-commerce and payment of membership fees directly on an e-mail.

In addition, another object of the present invention is an email e-commerce and dues payment service operating system that can secure the real name authentication of the stability of the e-mail contents transmitted between the operating system and the sending terminal and the receiving terminal using the code factor value of the client program To provide.

1 is a flowchart illustrating a product purchase and payment method by electronic commerce using an e-mail or an instant message through a wired / wireless internet according to the prior art;

2 is a network diagram for schematically illustrating an operating system of an e-mail e-commerce and membership payment service according to an embodiment of the present invention;

3 is a block diagram for explaining a server-side system configuration shown in FIG.

4 is a block diagram for explaining a configuration of a mail sending terminal shown in FIG. 2;

FIG. 5 is a block diagram illustrating a structure of an object connection and inclusion custom control (OCX) installed in the mail receiving terminal illustrated in FIG. 2;

6 is a network flowchart for explaining an operation method of an e-mail e-commerce and membership payment service;

7A and 7B are a flow chart and explanatory diagram for explaining the client program process shown in FIG. 6;

8 is a flow chart for explaining the server-side application verification process shown in FIG.

9 is a flowchart for explaining a server-side process shown in FIG. 6;

10 is a flowchart for explaining a data processing process of the client program shown in FIG.

♣ Explanation of symbols for main part of drawing ♣

10: receiving terminal 20: calling terminal

100: OCX file 110: Web server

120: email / SMS server 130: DB server

140: payment server 150: network management server

200: client program 210: client DB

In the above-described object of the present invention, in the method of operating an email e-commerce and membership payment service for mediating email transmission between a receiving terminal and a sending terminal connected to a network, the calling terminal downloads and installs a client program from an operating system, A client program process for researching and paying expenses and selling goods comprising registering the client program with the operating system; An application authentication process performed by the operating system when requesting application authentication of the client program; A process in which the client program transmits query data and form data to an operating system, and the operating system broadcasts an email including OCX link information to a receiving terminal of a mail recipient; A server-side process in which the receiving terminal downloads and installs an OCX file by OCX link information, and when an application / payment / cancel / search OCX command is input to the operating system by the OCX file; It is achieved by the e-commerce e-commerce and dues payment service operating method characterized in that it comprises a data processing process of the client program for the originating terminal to download the data patch file of the client patch DB from the operating system.

Hereinafter, an e-mail e-commerce and membership payment service operating method and an operating system thereof according to a preferred embodiment of the present invention will be described in detail with reference to FIGS. 2 to 10.

2 is a network diagram of an operating system of an e-mail e-commerce and membership payment service, and FIG. 3 is a block diagram illustrating a server-side system configuration of FIG. 2. 4 is a block diagram for explaining the configuration of the mail sending terminal shown in FIG. 2, and FIG. 5 is a block diagram for explaining the structure of the OCX shown in FIG.

In addition, Figure 6 is a network flow chart for explaining the operation method of the e-mail e-commerce and dues payment service, Figures 7a and 7b is a flow chart and an explanatory diagram for explaining the client program process shown in Figure 6, 8 is a flowchart for explaining the server-side application authentication process shown in FIG. 6, FIG. 9 is a flowchart for explaining the server-side process shown in FIG. 6, and FIG. 10 is data processing of the client program shown in FIG. This is a flowchart for explaining the process.

As shown in FIG. 2, the operation method provided by the present invention includes a web server 110, an e-mail / SMS server 120, and a database server 130 managed by a Windows-based network management server 150. It is realized by the operating system consisting of) and the payment server 140.

In the Internet protocol network, which is a wired / wireless Internet network (1), an operating system is used for a computer terminal of a mail receiver (hereinafter referred to as a 'receiving terminal') and a computer terminal of a mail sender (hereinafter referred to as a 'calling terminal'). It is connected to the network system of the bank / credit card / mobile payment agency 102 and the insurance company 103 and the courier company 104 through the wired / wireless Internet network (1).

Web server 110 distributes a variety of information, publicity, etc. for the service of the present invention through the wired / wireless Internet network (1), and performs the e-mail e-commerce and dues payment service in conjunction with the e-mail / SMS server 120 It is an operation server.

When the mail sender requests a service and registers as a service member, the web server 110 opens a link for downloading the dedicated client program 200 to the calling terminal 20.

When the mail server receives the mail which the mail receiver can directly perform the e-commerce and dues payment provided by the present invention, the web server 110 to the receiving terminal 10 in response to the OCX call command attached to the content of the mail; It downloads and installs the OCX file 100.

OCX file 100 stands for OLE Custom Control, which is a special purpose program created for use in Microsoft Windows applications. The OCX file 100 provided by the present invention is a kind of ActiveX control that handles window resizing, scroll bar movement, direct service request, payment, cancellation, inquiry, and the like on an email. If the mail recipient 10 rejects the installation of the OCX in the process of trusting the OCX file 100, the OCX file 100 is not installed in the receiving terminal 10, but in the description of the present invention, the OCX file 100 is It is assumed that the receiving terminal 10 and the client program 200 are necessarily installed in the calling terminal 20, and in addition, it is assumed that the mail receiver carries the mobile communication terminal 11 in addition.

And, the technology used when installing the OCX file 100 under the web-based is' Microsoft's ActiveX 'that enables the execution of general applications over the Web, and' socket-based access technology by HTTP 1.0 or 1.1 protocol at w3c.org 'to be. Here, HTTP stands for Hypertext Transfer Protocol, a communication protocol used for exchanging hypertext documents on the Internet.

The mail sender is a user of the calling terminal 20, who uses an e-mail e-commerce service and a payment service for storing dues. For example, a small e-commerce company, a homepage operator who wants to sell and settle a product by phone / fax / e-mail after promoting its products through the homepage, a small business owner, a sales person in farming and livestock products in farming and fishing villages, or an online / offline fee It may be a secretary who is in charge of storing. The originating terminal 20 is a computer terminal with ordinary Internet access, and it is sufficient to have a computing environment (operating system Windows 98 or higher, 64M or higher memory, CPU 200Mhz or higher) in which the client program 200 provided by the present invention can operate. .

The mail receiver is a user of the reception terminal 10, and is an acquaintance (a friend, friend, alumni, member, customer, charity, money / fund manager) that an unspecified number of people having an email or a mail sender are familiar with. If the receiving terminal 10 is also a computer terminal capable of basic e-mail transmission and reception and Internet access, the present invention is sufficient for implementation. When the mail receiver inputs his mobile communication terminal number into the payment form in the e-mail e-commerce and payment of dues, the mail receiver may receive the processing result as a short text message through the mobile communication terminal 11 possessed by the mail receiver.

The e-mail / SMS server 120 includes a conventional e-mail module and a single letter module, which are a combination of hardware and software.

DB server 130 is a relational database management system (RDBMS) to record / store the data of the present invention to be described in detail below in a relational structure.

The payment server 140 serves to process the payment related process by interworking with the settlement server of the payment agency 102 when both the client program code, payment server connection code, and other codes (product code, service member code) match. .

As shown in FIG. 3, the web server 110 includes a web engine, an address book management module, an OCX download module, a client program management module, a client data patch module, an application / payment management module, a cancellation / query management module, and research statistics management. The module is provided in software.

The web engine is necessary for the overall operation of the website (information provision, membership management, public relations), and in particular, interacts with the Internet language (XML) or the user to provide an interface for service subscription of the present invention. It is programmed in server-side scripting languages (PHP: Hypertext Preprocessor), ASP (Active Server Pages), and Java Server Pages (JSP).

The address book management module records and stores the email senders and mail recipients' emails, and provides an interface for access through the Internet.

The OCX download module is involved in downloading and installing the OCX file to the receiving terminal of the mail recipient.

The client program management module is involved in downloading the client program to the originating terminal of the mail sender, and performs a security function by checking a client program code (program user number), which is a kind of program identification number, with a code registered in the server.

The client data patch module includes e-commerce and dues payment progress, that is, payment confirmation status information for each seller / distributor / product code, dues information, payment history inquiry information, bank account inquiry information, and cancellation request inquiry information. It is responsible for downloading the recorded client data patch file to the sending terminal of the mail sender.

The application / payment management module allows the mail recipient to apply for the service (the mail recipient can apply for the service and become a business operator such as the sender of the mail), pay for the costs (the mail recipient pays for the purchase of the product when the e-commerce transaction is made via e-mail, and the fee is paid) This module is linked with the OCX file to directly execute on the e-mail.

The cancellation / inquiry management module performs a request for canceling a service request or payment of a mail receiver, and plays a role of providing service / e-commerce / fee-related information to a mail receiver for inquiry.

The research statistics management module is involved in conducting research of the sender of the mail through e-mail.

The e-mail sending module of the e-mail / SMS server 120 is provided with an existing "simple mail transfer protocol (SMTP)" server and a "POP3 (post office protocol 3)" server to simply deliver mail of a mail sender to a mail recipient. Do this. The email module may be configured to enable wired and wireless interworking, and may be used as a hardware device for transmitting and receiving a short message to the mobile communication terminal 11.

The short message sending module is a network device capable of transmitting and receiving SMS (Short message Service) messages, and is composed of a combination of hardware and software that plays a role of transmitting and storing a short message between the mobile communication terminals.

DB server 130 is managed by the RDBMS, research DB, expense payment DB, product sales DB, address book DB, various template DB, application DB, download file DB, client patch DB, program user DB, applicant list DB, biller It consists of list DB, cancellation requester list DB, and delivery information DB.

As the name implies, these databases record and store the information necessary for the operation of the operating system, as well as the information necessary for the sale of goods, billing of dues, event billing, and fundraising.

Payment server 140 is a payment module (bank, credit card company, mobile payment service provider), the payment module and credit card payment means, direct debit payment means and mobile phone payment means to perform the settlement of payment costs with insurance companies and courier companies It is provided.

The settlement module of the payment server 140 calculates a relay fee such as credit card fee 3.5% + revenue 2.5% = 6% and mobile phone fee, and also handles the financial interest income deposited for a predetermined period as a system operation cost. In addition, damage compensation or insurance processing that may occur during e-commerce and payment of dues will be processed online.

In addition, the various payment means of the payment server 140 is input by the mail recipient directly on the e-mail input value [depositor, payment amount, payment method (credit card, mobile phone, automatic transfer), card number, expiration date, E-mail address (for notification of processing result)] to perform payment processing, and in particular, after receiving the client program code, payment server connection code, product code, and service member code sent by the OCX file according to the payment icon click, It compares this with the value recorded in advance in the operating system and plays the role of authenticating the real name transaction. In other words, the payment server is to combine the payment function and the security function.

As shown in FIG. 4, the client program 200 installed in the originating terminal 20 of the mail sender is a mail sender-only program that works with the client DB 20.

The client DB 20 records and stores various data, template templates, etc. necessary for the operation of the client program 200. In addition, as described above, the client DB 20 records and stores the client data patch file of the client patch DB downloaded from the DB server.

This client program 200 is a general address book (PIMS) function that can record and manage the e-mail of acquaintances, the mail sending service application function of the present invention, the application writing function to be used before sending mail, and service fee payment for It has a service payment function, a function of selecting various template forms when creating an e-mail and creating a form (for e-mail e-commerce or dues payment), various inquiry and statistics functions, and data transmission / reception function.

In particular, the service application function can be selectively used to respond to e-mail research inquiry requests, payment of expenses, and sales of goods, and inquiries and statistics functions include payment details, cancellation details, shipping information, statistics tables, and export of Excel files. .

Therefore, the sender of the mail can perform the e-commerce or dues storing work that he or she wants to perform through a client program that independently links to the e-mail without being bound by the existing portal site, simply by applying for the service of the present invention. Will be.

As shown in Fig. 5, the OCX file is installed in the receiving terminal of the mail receiver. Here, the OCX file is downloaded from the web server according to the calling instruction that calls the OCX file among the email contents delivered by the mail sender.

The internal structure 105 of such an OCX file has a 'content' tag for viewing the contents of the mail, a 'date' tag for indicating the mail arrival date, and a date for the application / payment / cancellation. It consists of a 'status' tag, a 'payment amount' tag related to a payment amount, and a 'command' tag that processes application, cancellation, payment, and inquiry information with a click.

Therefore, when a mail receiver clicks a specific icon (payment, cancellation, inquiry, request) on the email received from the mail sender, the call value corresponding to the click signal is sent to the application / payment management module and the cancellation / query management module of the web server. By sending the request to the web server, the response processing can be made from the web server.

Hereinafter, an e-mail e-commerce and membership payment service operating method of the present invention will be described in detail.

As shown in FIG. 6, the operating system functions as a mediator between the receiving terminal 10 of the mail receiver and the sending terminal 20 of the mail sender via the wired / wireless Internet network.

The originating terminal 20 requests a program download from the operating system, and the client program management module of the operating system downloads the client program file.

The mail sender installs the downloaded client program in the calling terminal.

The calling terminal 20 registers the program use through the client program process (S100) for research and payment of expenses and the sale of goods, and the operating system confirms the program use registration.

The sender of the mail makes an application request for authentication using a client program of the calling terminal, and after the operating system performs the application authentication process (S200), by transmitting an authentication related code to the calling terminal 20, Make the client program operational.

The mail sender uses a client program to send query data (research question content, mail recipient's email address) in the form of an email that does not require payment for research, and receives a confirmation from the operating system.

In addition, the mail sender can use the client program to send form data (e-commerce content (images, product information, payment entry forms, mail recipients) that require payment for expenses (fees) and payment of goods (e-commerce). E-mail address) is sent to the operating system, and then receiving confirmation from the operating system.

The query / form data transmission means that the mail sender requests the mail recipient to send the email.

Thereafter, the operating system broadcasts the research / expense payment / product sales e-mail including the OCX link information to the e-mail address of the e-mail recipient in response to the e-mail sender's e-mail request.

The receiving terminal 10 receiving the mail downloads the OCX file corresponding to the OCX link information, and installs the OCX file in the receiving terminal 10 when the mail receiver OCX installation confirmation signal is input in the OCX file trust process. Here, the OCX file is registered in the Windows system registry as the name of the operating system operator (for example, 'autodata' is registered as a key value and a string), and once registered, the OCX file is a result of scanning the Windows system registry. In accordance with it is not installed on the receiving terminal again. Here, the Windows system registry refers to the area that manages the system of window95 and above, and is a place for storing hardware, system specifications, options, memory settings, etc. required for system booting in one place.

Now, when the mail sender receives the mail of the mail sender transmitted through the operating system of the present invention, according to the linkage of the OCX file, the mail sender participates in the research on the e-mail or performs payment for various e-commerce and dues payment. The operating system to perform the server-side process (S300).

In addition, the originating terminal 20 can operate and query various functions, and correspondingly, the client data patch module of the operating system downloads the data patch file of the client patch DB to the originating terminal 20, and accordingly the client program. Performs a data processing process (S400).

Hereinafter, the client program process (S100), the application authentication process (S200), the server-side process (S300), and the data processing process (S400) of the client program will be described in detail.

As shown in FIGS. 7A and 7B, in the client program process (S100), the calling terminal registers the client program with the web server when the program is first used (S101), and operates the first argument value A1. Send it to the system. The first argument value A1 is a client program code, a name, an address and a contact. In the present invention, the address is offline actual address information, and the e-mail address means an e-mail address.

The first argument value A1 is input to the client program management module of the web server, and the first argument value A1 is recorded and stored in the program user DB of the DB server.

Thereafter, the mail sender performs a research investigation step (S110), an expense payment step (S120), and an article selling step (S130) through a client program.

The research investigation step (S110) is executed when the mail sender clicks the research investigation icon provided on the client program, and at this time, the address book DB 211 and the template file DB of the client DB 210 interworking with the address book (PIMS) function are executed. 212 is opened, and the mail sender calls the desired email address and template.

Subsequently, a query is created from a template file called by the mail sender, and a second argument value A2 consisting of a client program code, a name, an address, a message ID (for research), and the like is input to the created query data. When the transmission icon is clicked, the query data including the second argument value is input to the operating system (S111).

Expense payment step (S120) and goods sales step (S130) is a mail-related money sender, so it is necessary to complete the application and authentication as follows.

That is, when the mail sender clicks the fee collection or item sale icon on the client program, the expense payment step (S120) and the item sale step (S130) are performed, and an application corresponding to each case is displayed on the client program screen. do.

When the mail sender inputs predetermined application contents in the application displayed on the screen, a third factor value A3 is created (S140).

The third factor value (A3) is the product code (only for the sale of goods), the applicant, address, contact number, e-mail address, bank to be deposited, account number, and account holder.

When the sender of the mail clicks on the application transmission icon, the application authentication request signal is transmitted to the operating system, and after undergoing a real name verification process as described below, the client program receives an authentication related code (authentication permission code) (S141).

The client program allows the form to be created only in the case of the authentication permission code among the authentication-related codes (S150).

Upon request by the mail sender to fill out the form (clicking on the icon), the address book DB 211 and the template file DB 212 of the client DB 210 are opened, and the mail sender desires an e-mail address and an expense payment template or a product sales form. After calling the file or, the form is completed by simply filling in the contents of selling goods or entering only a specific matter in a pre-made form as if the home page is created in the input box of the form file (S160).

In this form data, the fourth argument value A4 is input by the client program such as a client program code, an authentication confirmation code, a message ID (for payment), and a web page address to be called when a command is clicked.

Then, when the mail sender clicks on the transmission icon of the program, the client program transmits the form data including the fourth argument value A4 to the operating system.

Meanwhile, as shown in FIG. 8, in the application authentication process (S200), the web server of the operating system receives an authentication request for creating an application of the client program (S210), and the applicant information and authentication previously recorded on the DB server. Comparing and checking the applicant-related information (applicant name, address) existing in the third argument value (A3) at the time of request for issuing an authentication cancellation code (S230) or issuing an authentication permission code (S240).

The issued codes are recorded as data in the DB server (S250), and then transmits an authentication related code (authentication cancellation code or authentication permission code) to the originator of the mail sender (S260).

As shown in FIG. 9, in the server-side process S300, a web server receives query data including a second argument value and form data including a fourth argument value from a client program and stores the data in a DB server. The / SMS server broadcasts an email made based on query data and form data stored in a DB server to a receiving terminal of a mail receiver, as described above.

Thereafter, by the function of the OCX file of the receiving terminal, the application / payment / cancellation / inquiry OCX command is input from the receiving terminal to the web server and at the same time the research or payment-related data is input (S301).

The web server checks the message ID to determine whether it is a research mail (S302), and when it is determined as a research mail, stores the research data in the DB server for each code (S303).

If it is not the legacy mail, the web server performs the application process (S310), payment process (S320), cancellation process (S330) and inquiry process (S340).

In the application process (S310), the applicant-related information for each code is recorded in the applicant list DB, and the application is canceled when the conditions are satisfied by determining whether the payment is not made immediately, when there is a deadline in the received mail, and when the specified deadline is passed. If not, maintain the application (S311 ~ S315). In other words, if the payment is not made within the specified date will be automatically canceled.

The payment process (S320) proceeds when the payment is immediately and when the payment-related OCX command is input from the receiving terminal, calling the payment web page to display on the receiving terminal screen of the mail receiver, and when the payment processing is successful For each code, the relevant information about the payer is recorded in the payer list DB, after the preparation of the goods, the delivery process is performed, and after checking whether there is a cancellation request from the user within a predetermined date (for example, 15 days), there is no cancellation request. In this case, the payment process is confirmed and a payment request is made to a payment agent by a payment module such as a credit card, direct debit, or mobile phone of the payment server (S321 to S328).

The cancellation process (S330) is performed when there is a cancellation request within a predetermined period and when a cancellation-related OCX command is input from the receiving terminal. In this case, the cancellation requester-related information for each code is recorded in the cancellation requester list DB (S331).

If there is a returned item, the item is returned to the user until the collection of the goods is completed (S332, S333, S334).

Subsequently, in the case where the return of the goods is collected, in the case of a service without returning goods or payment of the fee, the refund processing and the cancellation processing are completed (S335, S336).

In particular, when the refund processing and the cancellation processing are completed, the email / SMS server delivers the work completion result messages to the email sender and the email recipient, respectively, as an email and an SMS message. On the other hand, if the damage occurs during the product statement and return processing and refund processing, damages are processed according to the insurance company's regulations, such as whether the goods lost or damaged (S337).

In the inquiry process (S340) proceeds when the inquiry-related OCX command is input from the receiving terminal, it is determined whether the application inquiry and payment inquiry, and corresponding application and payment inquiry processing is performed (S341 to S344).

As shown in Fig. 10, in the data processing process (S400) of the client program, the originating terminal of the mail sender receives the client data patch file of the DB server, and the client data patch module of the web server is involved in this (S410). ).

The calling terminal decompresses the data patch file downloaded from the operating system, classifies and stores the released data in the client DB for each code and then processes inquiry and statistics as the inquiry and statistics command signal is input by the mail sender. To display on the display device of the calling terminal (S420 to S430).

As described in detail above, the method of operating the email e-commerce and membership payment service of the present invention provides a dedicated client program to the sender of the email, thereby allowing the user to independently use the email e-commerce and membership payment service without being bound by the portal site. There are advantages to it.

In addition, the e-mail e-commerce and dues payment service operating system of the present invention enables the e-mail sender (item seller, administrator of a certain meeting, other users) to perform independent real-time e-commerce, dues, fundraising activities directly , To obtain customer's secured by email research, relay fee profit and financial interest income to the operation server system, which is the email mediator (operator), and to request, pay, inquire and cancel the email recipient (consumer, member of certain meeting) through email. It has the effect of direct processing.

In addition, the e-mail e-commerce and dues payment service operating system of the present invention by receiving a payment after receiving the e-mail confirmed by the authentication confirmation code, message ID, client program code, payment server connection code, a separate security solution It is effective in providing an email payment solution with excellent security and reliability without requiring it.

In addition, the e-mail e-commerce and dues payment service operating system of the present invention has the advantage that it is possible to perform the e-commerce e-commerce or dues payment more conveniently by allowing the application / payment / cancellation / inquiry directly on the e-mail.

In the above description, the technical idea of the e-commerce and membership payment service operating method and operating system thereof according to the present invention has been described together with the accompanying drawings, but the exemplary embodiments of the present invention are described by way of example and not limitation of the present invention. . In addition, it is obvious that any person skilled in the art can make various modifications and imitations without departing from the scope of the technical idea of the present invention.

Claims (13)

In the method of operating e-mail e-commerce and membership payment service to mediate e-mail transmission between the receiving terminal and the originating terminal connected to the network, A client program process (S100) for researching and paying expenses and selling goods, wherein the calling terminal downloads and installs a client program from an operating system and registers the client program with the operating system; An application authentication process (S200) performed by the operating system when requesting application authentication of the client program; A process in which the client program transmits query data and form data to an operating system, and the operating system broadcasts an email including OCX link information to a receiving terminal of a mail recipient; A server-side process (S300) which is performed when the receiving terminal downloads and installs an OCX file corresponding to the OCX link information and inputs / pays / cancels / searches an OCX instruction to the operating system by the OCX file; E-commerce and dues payment service operating method comprising a data processing process (S400) of the client program for the calling terminal to download the data patch file of the client patch DB from the operating system to perform. The method of claim 1, In the client program process (S100), the originating terminal registers the client program in a web server, and then transmits a first parameter value to an operating system; When writing a query for research, inputting query data including a second argument value into the operating system; When completing the application for payment of expenses and sale of goods, performing application certification on the operating system at a third factor value; When the form is completed after the authentication is completed, the e-mail e-commerce and dues payment service operating method characterized in that the form data including the fourth factor value is sent to the operating system to send an email. The method of claim 2, The first argument value is a client program code, name, address, contact information, and the second argument value is a client program code, name, address, research message ID, and the third argument value is a product code, applicant, address, contact number, The e-mail address, the bank to be deposited, the account number, the account holder, and the fourth argument value are the client program code, the authentication confirmation code, the message ID for payment, and the web page address to be called when the command is clicked. How the Service Works. The method of claim 1, In the application authentication process (S200), the web server receives the authentication request for the application of the client program; Comparing the applicant information previously recorded on the DB server with the applicant information present in the third parameter value upon the authentication request and issuing an authentication cancellation code or issuing an authentication permission code; The issued codes are recorded as data in the DB server, and the e-commerce and dues payment service operating method, characterized in that for transmitting any one of the authentication cancellation code and the authentication permission code to the sending terminal of the mail sender. The method of claim 1, In the server-side process (S300), the application / payment / cancellation / inquiry OCX instruction is input from the receiving terminal to the web server and at the same time research or payment data is input; The web server checks the message ID to determine whether it is a research mail, and stores the research data in a DB server for each code, and the application process (S310) corresponding to the OCX instruction for application / payment / cancellation / inquiry. E-commerce and dues payment service operating method characterized in that performing the payment process (S320) and cancellation process (S330) inquiry process (S340). The method of claim 5, In the application process (S310), the applicant-related information is recorded in the applicant list DB according to the corresponding code, and the application is determined if the conditions are satisfied by sequentially determining the case when the payment is not made, the case when the received mail has a due date, and when the specified time period is passed. How to operate the e-commerce e-commerce and dues payment service, characterized in that the cancellation and if not maintain the application. The method of claim 5, The payment process (S320) is a case of payment immediately and when the payment OCX command is input from the receiving terminal, calling a payment web page to display on the receiving terminal screen, if the payment process is successful by the corresponding code Record the biller information in the biller list DB, perform the delivery process after preparing the goods, check whether there is a cancellation request from the user within a predetermined period of time, and if there is no cancellation request, confirm the payment processing, and E-commerce and membership payment service operating method characterized in that the payment request to the payment agency by the payment module, such as credit card / direct debit / mobile phone. The method of claim 5, The cancellation process (S330) records the cancellation requester-related information for each code in the cancellation requester list DB when there is a cancellation request within the predetermined time and when the cancellation OCX command is input from the receiving terminal, and the returned goods are Determine whether or not the goods are collected, and if there are returned goods, refund processing and cancellation processing are completed, and when refund processing and cancellation processing are completed, the email / SMS server is sent to the calling terminal, the receiving terminal, and the mobile communication terminal. The work completion result message is delivered by e-mail and SMS message, and if there is no returned goods, the owner of the goods to be returned is requested to return the goods, and the damages are processed according to the insurance company's rules according to whether the goods are lost or damaged. How to operate e-commerce and membership payment service. The method of claim 5, In the inquiry process (S340), when the inquiry OCX command is input from the receiving terminal, it is determined whether the application inquiry or payment inquiry and the corresponding application and payment inquiry processing, characterized in that each of the e-commerce and payment is performed; How to pay dues service. The method of claim 1, In the data processing process (S400) of the client program, the calling terminal downloads the client data patch file of the DB server, decompresses the downloaded data patch file, and classifies the released data into the client DB by code. And storing and performing inquiry and statistical processing according to the input signal of the inquiry and statistics command. In at least one source terminal, at least one receiving terminal, web server, DB server, email / SMS server, payment server and network coupled to the e-commerce and dues payment service operating system, Means for performing a client program process for researching and paying expenses and selling goods including downloading and installing a client program from the operating system and registering the client program with the operating system; Means for performing an application certification process upon requesting an application certification of said client program; Means for broadcasting the email including OCX link information to the receiving terminal when transmitting query data and form data to the operating system; Means for downloading and installing an OCX file corresponding to the OCX link information, and performing a server-side process when an application / payment / cancellation / retrieval OCX instruction is input to the operating system by the installed OCX file; And a means for downloading the data patch file of the client patch DB from the operating system and performing a data processing process of the client program. In at least one originating terminal, at least one receiving terminal, a web server, a DB server, an email / SMS server, a payment server, and a network combined e-commerce and membership payment service operating server, A memory in which a program is stored; A processor coupled to the memory to execute the program; The processor by the program, The application / payment / cancellation / inquiry OCX command is inputted from the receiving terminal, and at the same time, research or payment data is inputted, and the message ID is checked to determine whether it is a research mail. And, the e-commerce and dues payment service operation server, characterized in that for performing the application process, payment process and cancellation process inquiry process corresponding to the request / payment / cancellation / inquiry OCX instruction. The method of claim 12, The operating server includes a web engine, an address book management module, an OCX download module, a client program management module, a client data patch module, an application / payment management module, a cancellation / query management module, and a research statistics management module. Email e-commerce and membership payment service operation server.