KR20080020213A - Purchaser-oriented moneylending settlement method for direct accept - Google Patents

Abstract

A method for processing buyer-oriented payment by a direct approval is provided to prevent leakage of personal information such as a card number, a password, and an ID of a buyer by making the buyer perform all payment processes subjectively through a card terminal. A seller registers article information to information media(S1). A buyer selects an article registered to the information media(S2). The buyer pays for the selected article through a card terminal according to article selection details by following a mobile/Internet payment process(S3). Article/payment information approved by the mobile/Internet and the card terminal is transmitted to a credit card company(S5). The credit card company transmits the article information to the seller and transmits purchase approval information to an escrow account at the same time(S6). The seller delivers the article according to the received article information and receives delivery confirmation from the buyer(S7). The seller transmits the received delivery confirmation to the escrow account(S8). The escrow account pays the purchase price to the seller after receiving the delivery confirmation of the buyer(S9).

Description

Purchaser-oriented moneylending settlement method for direct accept}

1 is a view showing the flow of a conventional payment method.

Figure 2 is a view showing a reverse purchase price payment method by the direct approval of the present invention.

Figure 3 is a flow chart showing the flow of the reverse purchase price payment method by the direct approval of the present invention.

* Description of the symbols for the main parts of the drawings *

10: buyer 20: card terminal

30: Merchant 40: Card company

50: mobile phone / Internet 60: escrow

The present invention relates to a method for reverse purchase payment by a direct approval that increases the safety and reliability of the transaction by supplying the goods under the control of the seller during the commerce between the buyer and the seller.

The present invention also provides for the possibility of a payback that may occur after the seller has supplied the goods by making the transaction through an escrow protection account and a card company's intermediary system, and the concern that the buyer will not be able to receive the goods after payment. The present invention relates to a method for reverse purchase price payment by direct approval, which increases the effectiveness of the supply of goods and payment.

In the conventional commerce system, the purchaser 1 and the seller 2 install a terminal for card payment at a store in order to pay the price after the goods transaction between each other, and an unspecified number of purchase customers visit the store to purchase a card. When you make a payment and sign a receipt, the transaction is transferred through a card common network through a terminal through an additional telecommunications service company (for example, VAN, hereinafter called 'Vansa') (3) through a terminal. Will be delivered.

The card company (5), which has received such information, pays the purchaser with the purchase approval along with the purchase approval, and Bansa (3) is in charge of the terminal and receipt risk management installed in the store and the card company (5). ) Is a structure that goes through the process of paying the transaction price to the store and taking charge of the collection and recovery from the buyer (1).

Looking at the information flow of the conventional transaction system structure, the card is received from the customer and read by the terminal provided at the store, and the read customer's information is sent to the bansa 3 and sent to the card company 5 through the card common network. .

In the flow of information, the customer will be provided with the receipt of the card and a signed receipt as a method for customer confirmation, and will be identified by the unique number of the terminal as a method for verifying the store, and the management of the store by the terminal and risk management by the receipt It is in charge of (3) and forms a payment structure that receives a certain fee.

When the goods are delivered through the conventional payment structure as described above, the payment is made by the card to the portable terminal, and the card is used when the non-face-to-face transactions through online, jiro, communication and leaflet are not faced by the buyer and seller. Instead, a card number is required and a security number is required instead of a signature. In order to reinforce the responsibility for a problem that may occur during a non-face-to-face transaction rather than a card object and a signature, a sales agency PG ( Pament Gateway (4) is involved in the transaction.

Such a conventional payment method not only hassle that the buyer 1 has to visit the seller's place in person and pays the card, but also the customer information according to the information required for non-face-to-face payment (for example, the card number). , Password and ID) is leaked to the outside.

In addition, there is a problem in that it is financially burdened by the buyer 10 due to the increase in fees, as the fees should be added to these companies by intervening the bansa (3) or PG company (4) in the payment process.

Accordingly, the present invention is to solve the above problems, the object of the present invention is to allow the buyer to be the subject of all payment process through the card terminal personal information leakage (for example, card number, password and ID It is to provide a method for reverse purchase payment by direct approval to prevent such a) in advance.

In order to achieve the above object, the reverse purchase price payment method by the direct approval of the present invention provides a seller with information about a product (a detailed description of the product and an item identification number, etc.) on an information carrier (flyer, newspaper, TV, Internet, etc.). A first step of registering; A second step of the purchaser selecting a product (identification number and quantity) registered by the seller through the information carrier; A third step of making a payment through a card terminal in accordance with a payment process of a mobile phone / internet according to the purchaser's item selection; A fourth step of transmitting the approved goods and payment information to the card company through the mobile phone / internet and the card terminal; A fifth step of transmitting the purchased goods information (customer information, purchased goods and quantity) to the seller, the card company having received the purchased goods and payment information; The sixth step of transmitting the purchase goods information to the seller and at the same time transmitting the goods purchase approval information to the escrow protection account; The seller sends a purchase item selected by the buyer based on the information received from the card company, and receives a delivery confirmation from the buyer; The seller sends the delivery confirmation received from the buyer to the escrow protection account; And the escrow protection account is characterized by consisting of a ninth step of paying the purchase price to the seller after receiving the delivery confirmation from the seller.

The buyer of the present invention is characterized by determining the identification number and the purchase quantity of goods through flyers, newspapers, TV and the Internet.

The present invention is characterized in that bills, bills, bills, bills and the like.

The present invention is characterized in that the e-commerce content can be purchased.

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

2 is a view showing a reverse purchase price payment method by the direct approval of the present invention, Figure 3 is a flow chart showing the flow of the reverse purchase price payment method by the direct approval of the present invention.

As shown in FIG. 2, the reverse purchase price payment system according to the present invention of the present invention includes a purchaser 10 for selecting purchase items and quantities, and purchase item information (purchase items and purchase quantities) selected by the purchaser 10. And the like, and then the card terminal 20 to enable payment, the seller 30 to deliver the purchased goods and quantities selected by the buyer 10 to the buyer 10, and the buyer 30 to the buyer ( Card company 40 which transmits the information of 10) (purchaser name, address, purchase goods and quantity to be delivered) and the goods purchase payment to the card company 40 to enable the purchase of goods through the card terminal 20 A mobile phone and the Internet 50 serving as a medium for transmitting information, and an escrow 60 which is a trade protection service for brokering a normal transaction between the buyer 10 and the seller 30 are made.

The purchaser 10 determines the identification number and the purchase quantity of the article through the article information medium (leaflet, newspaper, TV and the Internet, etc.).

The identification number of the article registers an identification number which is a unique number for each article before the seller 30 registers the article on the information medium.

The card terminal 20 is supplied to the buyer 10, the mobile phone and the Internet 50, which serves as a medium between the card terminal 20 and the card company 40 of the buyer 10, the card terminal 20 and the cable The purchaser 10 reads the personal card through the card terminal 20 according to the payment process provided through the mobile phone and the Internet 50 and proceeds with the payment for the goods purchase.

The payment process provided through the mobile phone and the Internet 50 is performed through a card terminal 20 through a payment process that is currently commonly used, that is, a personal confirmation and payment process that is performed when using contents through a mobile phone or the Internet. It is preferable.

When the buyer 10 proceeds to pay for the purchase of goods through the card terminal 20, the goods purchase information is transmitted to the card company 40, the card company 40 information (name and address, etc.) of the buyer 10 By storing the information in the DB to the seller 30 through the purchase process of goods purchase payment to the seller 30 by the seller 30 through this to deliver the purchase goods to the buyer (10).

If the purchaser 10 does not like the purchase item received from the seller 30 or is different from the purchase item, the purchaser 10 refuses the delivery confirmation and cancels the transaction approval through the mobile phone and the Internet 60 in the same manner as the payment method. If selected, the card company 40 notifies the purchaser 10 of the transaction approval cancellation by a short message (SMS), and after the payment, the payment is canceled through the protection account to the escrow (60).

The escrow 60 is a service for ensuring a credit relationship between the buyer 10 and the seller 30, and receives the purchase approval information of the buyer 10 from the card company 40 and the buyer 10 from the seller 30. Buying the goods to the buyer and the delivery confirmation received from the seller (30) immediately after receiving the payment to the seller (30) the amount of the purchase goods.

The payment method of the present invention is not only possible to make all transactions that can be paid online, but also bills such as giro and utility bills can be settled, and payment details, that is, receipts can be printed and printed out through the Internet.

The present invention also purchases the content by the purchaser 10, such as electronic commerce, and select the unique number for each content, such as games, movies and music at the time of payment, the payment through the mobile phone and the Internet 50 and the card terminal 20 If the payment is made, the card company 40 directly deposits the amount paid from the buyer 10 to the content seller 30.

In the case of the payment for the content that requires adult authentication, the minor to protect the youth from adult content by going through the adult authentication program with the content unique number when the transaction request.

In the case of the bill or the content, the purchaser 10 uses or downloads the payment. In such a case, the purchaser 10 may be transferred from the card company 40 to the seller 30 or the financial institution without passing through the escrow 60 protection account. The payment is completed by directly depositing the payment authorization amount of).

As described above, in the reverse purchase price payment method by the direct approval, the seller 30 sends the item information (detailed description of the item and the item identification number, etc.) to the information carrier (eg, leaflet, newspaper, TV, Internet, etc.). Registering the first step (S1);

Buyer 10 is a second step (S2) to select the goods (identification number and quantity) registered by the seller 30 through the information carrier;

A third step (S3) of making a payment through the card terminal 20 in accordance with the payment process of the mobile phone / internet 50 in accordance with the item selection of the buyer 10;

A fourth step (S4) in which the approved purchase goods and payment information are transmitted to the card company 40 through the mobile phone / internet 50 and the card terminal 20;

The card company 40 which has received the purchase goods and the payment information has a fifth step (S5) of transmitting the purchase goods information (customer information, purchase goods and quantity) to the seller 30;

The card company 40 transmits the purchase goods information to the seller 30 and at the same time transmits the goods purchase approval information of the buyer 10 to the escrow (ESCROW) 60 protection account (S6);

Seller 30 is the seventh step (S7) to receive the delivery confirmation from the buyer 10 after the buyer 10 to deliver the purchase goods selected by the information received from the card company 40;

The seller 30 is an eighth step (S8) for transmitting the delivery confirmation received from the buyer 10 to the escrow (60) protection account; And

The escrow (60) protection account is made of a ninth step (S9) of paying the purchase goods price to the seller 30 after receiving the delivery confirmation from the seller (30).

As described above, the reverse purchase price settlement method according to the direct approval of the present invention will be described through an example utilized in real life.

1.Payment of bills for giro, utility bills, etc.

After making a purchase, such as newspaper bills, communication charges, and gas bills, the purchaser 10 uses the identification number and amount indicated on the bill according to the payment process provided through the mobile phone and the Internet 50. The real card is read by the card terminal 20 to complete the payment.

The payment approval thus completed is transmitted to the card company 40, and the card company 40 pays the payment according to the bill by depositing the approved information and amount from the buyer 10 to the financial institution corresponding to the identification number indicated on the bill. Is completed.

After the payment is completed, the buyer 10 performs the payment inquiry and output.

2. When ordering goods and paying by electronic commerce

The purchaser 10 determines the identification number and quantity of the item to be purchased through the information carrier, and reads the real card to the card terminal 20 according to the payment process provided through the mobile phone and the Internet 50 to make a payment. To complete.

The payment approval is completed is transmitted to the card company 40, the card company 40, the purchaser information (purchaser 10 name, address, purchase goods and quantity, etc.) approved by the buyer 10, the seller (30) ), As well as the purchase approval information is sent to the escrow (60) protection account.

After the seller 30 delivers the purchased item to the buyer 10 from the information of the buyer 10 received from the card company 30, the seller 30 transmits a delivery confirmation to the escrow 60 protection account.

As soon as the delivery confirmation is received from the seller 30 in the escrow 60 protection account, the transaction is completed by depositing the purchase item amount to the seller 30.

3. Purchase content and make payment through e-commerce

When the content seller 30 registers a unique number for each content and puts it on the content operation mall, the buyer 10 selects the desired content through the mobile phone and the Internet 50 and then places an order using a pay-per-use or closing price card terminal 20. Complete the payment through.

The completed payment approval is transmitted to the card company 40, and the payment is completed by directly depositing the approved payment amount transmitted to the content seller 30 at the card company 40.

Although the present invention has been described with reference to specific embodiments, the present invention is not limited thereto, and modifications and variations may be made within the scope of the technical idea of the present invention.

As described above, the reverse purchase price payment method by the direct approval of the present invention has various excellent effects as follows.

First, in addition to purchasing goods traded online, utility bills such as Jiro, bills and telecommunications can also be settled, thereby maximizing convenience as the targets for payment by card are expanded.

Second, in the conventional payment method, it is possible to directly approve without passing through a bansa or a PG company prepared for preventing a risk, thereby reducing a fee.

Third, by adopting a self-payment method through a card terminal, the real card can be used to prevent personal information leakage and raise financial supplements to face-to-face transactions to prevent theft and financial accidents.

Claims (4)

A first step (S1) in which the seller 30 registers the goods information (detailed description of the goods and the item identification number, etc.) on the information carrier (flyers, newspapers, TV and the Internet); A second step (S2) in which the purchaser 10 selects an item registered by the seller 30 through the information carrier (identification number and quantity, etc.); A third step (S3) of making a payment through the card terminal 20 in accordance with the payment process of the mobile phone / internet 50 in accordance with the item selection of the buyer 10; A fourth step (S4) in which the approved purchase goods and payment information are transmitted to the card company 40 through the mobile phone / internet 50 and the card terminal 20; The card company 40 which has received the purchase goods and the payment information has a fifth step (S5) of transmitting the purchase goods information (customer information, purchase goods and quantity, etc.) to the seller 30; The card company 40 transmits the purchase goods information to the seller 30 and at the same time transmits the goods purchase approval information of the buyer 10 to the escrow (ESCROW) 60 protection account (S6); Seller 30 is the seventh step (S7) to receive the delivery confirmation from the buyer 10 after the buyer 10 to deliver the purchase goods selected by the information received from the card company 40; The seller 30 is an eighth step (S8) for transmitting the delivery confirmation received from the buyer 10 to the escrow (60) protection account; And The escrow (60) protection account has received the delivery confirmation from the seller 30, the reverse purchase price by direct approval, characterized in that made in the ninth step (S9) to pay the purchase price to the seller (30) Payment Method. The method of claim 1, wherein the purchaser (10) determines the identification number of the article and the purchase quantity through a leaflet, a newspaper, a TV, and the Internet. The method of claim 1, wherein the purchaser (10) enables payment of bills such as giro and utility bills. The method of claim 1, wherein the purchaser (10) is able to purchase e-commerce content.

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