KR20110025727A - Transaction providing system and method with an price input panel - Google Patents

Abstract

The present invention relates to a system and method for providing a payment means using a transaction amount input window, and in the present invention, between a seller system and a buyer system in performing a product transaction between a seller system and a buyer system using a web environment connected through an internet network. A transaction payment providing system for providing a payment method, comprising: generating a deposit window in which a seller's member identifier is included as meta information to a seller who has completed a subscription, and providing the deposit window to the seller system; When the buyer presses the exposed deposit window in the state of storing in the environment and additionally inputting specific transaction information data including a transaction amount in the deposit window to the web environment, the specific transaction information data from the web environment And after receiving the seller's member identifier, Provided is a transaction settlement providing system, characterized in that to provide a price confirmation window for displaying the specific transaction information data to the child system.

Description

Transaction payment provision system and method using transaction amount input window {TRANSACTION PROVIDING SYSTEM AND METHOD WITH AN PRICE INPUT PANEL}

The present invention relates to a system and method for providing a payment means using a transaction amount input window, and more specifically, provides a payment means to a product sales bulletin board operated by a website or a community operated by a community or the like. With regard to the system and method for providing a payment method, the purchaser completes a payment window by inputting a purchase amount in consideration of the variability of the final amount of the transaction product generated in the transaction environment between the individual and the individual, and then deposits the corresponding payment amount. will be.

With the development of the Internet, commodity trading through the Internet is actively being performed. Merchandise trading over the Internet saves shopping time by allowing users to select, order, pay, and even deliver goods over the Internet, either from the company's computer or at home without having to visit the store. There are many advantages, such as being able to compare different products. One of the most important considerations for consumers in the trade of goods over the Internet is payment.

One safe way to trade and pay for goods over the Internet is through the escrow system. A typical example is an auction site, which is expensive and administratively difficult for small e-commerce sites to build and operate on their own.

In order to overcome these difficulties, companies are specializing in providing escrow payment methods to small sites operated by the community. A typical example is www.unicro.co.kr, a company that provides an escrow payment method after partnering with a site to receive service. For example, a site called www.unicro.co.kr is affiliated with a camera club site called www.pentaxclub.co.kr, and a group member on www.pentaxclub.co.kr wants to sell the camera or its accessories. When it comes to escrow payment.

However, there are inconveniences in that the escrow payment method or system provided by the website www.unicro.co.kr cannot be used in the fellowship site where the agreement is not concluded. For example, www.unicro.co.kr and www.pentaxclub.co.kr require preliminary arrangements for pre-agreement, integration of a system that provides commodity information, and a payment system. There is a constraint available. In other words, if the operator who operates the camera café site in Naver wants to use the payment system provided by www.unicro.co.kr, there is a problem that the agreement between Naver and www.unicro.co.kr must be established first. will be.

On the other hand, when looking at used goods traded between individuals, it is common for used goods to have price trade-offs due to their characteristics. For example, suppose that seller A puts a product on a bulletin board to sell a health bike for 50,000 won. The buyer found out that the image of the goods or by calling Seller A revealed that they had to replace the bicycle saddle with a new one in order to use the bicycle. I wanted to buy. Seller A wanted to dispose of it as soon as possible, so he promised to sell it to the buyer who asked for a 5,000 won discount rather than seeking a new buyer.

However, the conventional escrow payment settlement system and method provides an escrow payment window by determining a transaction amount when a seller registers an item.

In the same manner as above, the price adjustment occurs and the buyer has to go through the cumbersome payment amount modification process that requires the buyer to re-register the initially registered selling price with the changed price in order for the buyer to proceed with the final transaction or settle according to the changed price. There was a problem.

In addition, after the price negotiation through the mobile phone, etc. between the seller and the buyer is made, even if the final transaction amount is confirmed, if the seller is not in the situation that can access the Internet immediately, the corrective work cannot be executed immediately. Therefore, the buyer has to wait for such corrections to be made, and eventually there is a problem that the product transaction process can be delayed.

Another problem is that although the conventionally used escrow payment system is only responsible for payment, there is a problem of separately uploading item information to be sold to a system that provides escrow payment. From the seller's point of view, he is doing a double task of uploading the goods information not only to the site where he or she is bargaining for the goods, but also to the payment system that handles the escrow payment. In this situation, the conventional method provided by the escrow payment system is known from the seller's point of view that the payment can be secured, but the situation is not widely used because it is inconvenient to use.

The present invention is to solve the above problems, it is an object of the present invention to provide a payment method and system that can be easily settled without a prior agreement between the site and the site.

Still another object of the present invention is to provide a payment method and system that allows a seller to easily modify a direct payment window by using a determined sale amount after a price bargain is made between the seller and the buyer, and make a payment through which the payment is made. It aims to do it.

Another object of the present invention is to provide a payment method and system that can easily provide the item name that the seller sells in the payment window.

It is still another object of the present invention to provide a payment method and a system operated by a seller as a distinguishing key of a seller without having to separately upload item information to be sold to a payment system.

An object of the present invention is a transaction settlement providing system for providing a payment means between the seller system and the buyer system in the transaction of goods between the seller system and the buyer system using a web environment connected to the Internet network, which completes the membership registration Specific transaction information data that generates a deposit window containing the seller's member identifier as meta information to the seller system to the seller system, and the seller system stores the deposit window in a web environment and includes a transaction amount in the deposit window. When the buyer presses the exposed deposit window while additionally inputting to the web environment, after receiving the detailed transaction information data and the member identifier of the seller from the web environment, the specific transaction information is transmitted to the buyer system. Which provides the amount confirmation window in which the data is displayed. It is possible to achieve by the transaction settlement providing system characterized in that.

Another object of the present invention is a transaction payment providing method for providing a payment method between the seller system and the buyer system in the transaction of goods between the seller system and the buyer system using a web environment connected through the Internet network, the seller as a member The first step of signing up, the second step of creating a deposit window containing the member identifier of the seller as meta information and providing it to the clipboard of the buyer system, and the member who is a seller copies the unique deposit window to the web environment After inputting the specific transaction information data including the transaction amount after storing in the web environment, and the buyer presses the exposed deposit window, the amount confirmation window including the specific transaction information data to the buyer system A transaction decision comprising the third step of providing a It can be achieved by providing method.

According to the system and method for providing a transaction settlement using the transaction amount input window according to the present invention, the seller can easily modify and input the transaction so that a bargain frequently occurs between the seller and the buyer so that the price can be easily applied. It became.

In addition, the present invention refrains from providing transaction details for each product, and integrates a product DB or a transaction DB between a site providing a payment method and a site receiving such a service by using a deposit window uniquely generated for each member who sells the product. This eliminates the need for prior coordination, so the payment method can be applied to any web environment.

In addition, according to the transaction payment providing system and method according to the present invention, the seller can easily register the name of the item to be sold in the payment window, etc., and can easily trade multiple items even when using one payment window given to the seller. have.

Hereinafter, the advantages, features and preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram of a peripheral system including a transaction settlement providing system according to the present invention. The payment providing system is connected to a payment gateway company, a web environment, a seller system, and a buyer system through an internet network, and is connected to a financial institution system through a dedicated line.

Transaction payment providing system is a transaction payment providing system that provides a payment method between the seller and the buyer in the transaction of goods between the seller and the buyer using a web environment connected through the Internet network, by creating a unique deposit window for each member Provide a copy of the deposit window to the web environment, and a member who is a seller copies the unique deposit window and exposes it to the web environment, and then uses an HTML (Hyper Text Markup Language) editor provided by the web environment. Enter specific transaction information data including sales price and product name in the unique deposit window by using it.When the buyer presses the exposed deposit window, the specific transaction information data is received and interpreted, and then the sales price and article are sent to the buyer. A price confirmation window with name information is provided. The system configuration is composed of a device usually called a server computer to which an input / output device is attached.

The transaction settlement providing system includes a member DB that stores information about registered members, a memory that stores a transaction approval code designated by the seller in advance, and a product information DB that stores url information of a web environment in which items for each member are sold. If the buyer is a member, the member purchase DB that stores the purchase information for each member, and if the buyer is a non-member non-member purchase DB for storing the non-member purchase information is provided.

The financial institution system provides a virtual account to the transaction settlement providing system, and at the request of the transaction settlement providing system, informs the transaction details of the members of the transaction settlement providing system through a leased line or whenever a periodic or deposit occurs, You will be provided with the member's deposit details.

PG is a system that provides various payment methods such as credit card payment, bank account payment, cyber money payment, and mobile phone payment, instead of transaction payment system when the buyer deposits the purchase price in the web environment. There are Korea Cyber Money and INICIS.

A web environment is a site operation apparatus that provides an activity space on the Internet to a seller system and a buyer system, and provides an activity space on the internet such as a fellowship site, a personal homepage, a forum, a mini homepage, a blog, and a bulletin board to the seller system and a buyer system. Means a device. Any system that provides a space on the Internet where a seller can promote a product is irrelevant.

The seller system is a computer device operated by an individual who sells goods and registers the created payment window and registers it in a web environment. The seller system generally means a personal computer device. When the item to be purchased is found, it means the personal computer device of the buyer who makes a payment through the exposed deposit window.

2 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention.

The merchant system registers as a transaction settlement providing system (ST1). When registering as a member, a member ID, password, address, account number to be deposited, and a transaction approval code for approving a transaction are input. The contents are stored in the member DB. In this case, the account number and the transaction approval code may be requested in a separate step without request when registering as a member, and may be stored in a separate DB instead of a member DB.

The transaction settlement providing system generates a unique deposit window for each member (ST2). The deposit window is shown as a simple button in appearance when exposed to the web environment, and the button stores a member identifier (for example, a member ID) that identifies a member who is a seller as meta information. Here, a unique deposit window for each member is a term used to contrast a unique deposit window with the product being sold by a normal e-commerce system as a key. If the same member is used, it is unique regardless of the type and quantity of products sold. It is given as one.

In more detail, the seller who sells the goods in the auction (www.auction.co.kr) site can select the goods for sale in order to know the sales quantity and deposit details of the goods, so that the details can be known. In other words, if the seller of user 1 is selling five bicycles and three golf clubs, a web page for selling bicycles and a web page for selling golf clubs are separately generated, and a payment button is present on each product's sales web page. Done. Each payment button is created and managed by subordinate to the corresponding product. In order to determine the deposit details for the sale of the bicycle, the user 1 can select the bicycle from among the products being sold, and the user can select the golf club from the products being sold to check the deposit history of the golf club. That is, the auction site system should be understood that a unique deposit window is provided for each member rather than a unique deposit window. In other words, a deposit situation or the like is provided using a key being sold.

In contrast, the present invention generates a web page for selling bicycles and a web page for selling golf clubs when a seller named user 1 is selling five bicycles and three golf clubs in the same situation. At this time, all items may be sold using a single web page, or each web page may be generated and sold for each item. When only one web page is used, of course, only one deposit window will be generated, so a case of generating each web page for each item will be described. Copy the deposit window created according to the present invention to the sales web page of each article and expose it to the web page. At this time, the deposit window exposed on the web page is apparently there exist two copies of the same button. It is nothing more than a thing. This is because the deposit window provided in the present invention is a unique deposit window for each member.

The seller registers the product to be sold in the web environment, copies the deposit window, and exposes it to the web environment (ST3). Copying of the deposit window is made by copying from the transaction payment providing system to the seller's clipboard and pasting it into the web environment. At this time, if there is a user's pasting operation, the button of the deposit window copies the url of the web environment and transmits it to the transaction payment providing system, and the transaction payment providing system which receives it is stored in the sales DB for each member.

The seller additionally inputs specific transaction information data including a selling price and a product name in a unique deposit window using an HTML (Hyper Text Markup Language) editor provided in the web environment (ST4).

When the buyer system surfs the web environment and finds a product to purchase (ST5), the purchaser system requests the seller to purchase through a text, chat or phone number of the seller described in the web environment (ST6). ). If the seller system wants to sell the product, the transaction approval code is transmitted via text, chat, or telephone (ST7), and the buyer system inputs the transaction approval code (ST8). Entering a transaction authorization code usually provides a window for entering the transaction authorization code when the seller clicks on a deposit window that has been exposed to the web environment, and the buyer system uses the window to expose the transaction authorization code sent from the seller. To enter.

The input transaction approval code is transmitted to the transaction payment providing system, and the transaction payment providing system compares the transaction approval code transmitted from the buyer system with the transaction approval code registered in advance by the seller to check whether there is a match. As described above, the transaction approval code registered in advance by the seller is stored in the member DB or a separate DB, and this DB is ultimately stored in the memory of the transaction payment providing system.

If the transaction approval codes match, the transaction settlement providing system interprets the specific transaction information data (ST10), and provides the amount confirmation window including the specific transaction information to the buyer system using the analyzed specific transaction information (ST11). . Figure 3 shows an example of the amount confirmation window. The buyer system checks whether a member of the transaction settlement providing system. In the case of a member, a shipping address and a member identifier (for example, a member ID) stored in the payment providing system are taken and displayed in the amount confirmation window. If you are a non-member, you will have to manually enter all the information presented in the amount confirmation window.

The buyer inputs the remaining information including the transaction quantity, the delivery address information, the shipping charge settlement agent, the purchase name, and the transaction memo required for the transaction (ST12). At this time, since the present invention is not constructed as a system for determining whether to deposit each product, a purchase brand name indicating which product to purchase is inputted, and information about a transaction memo is additionally input. In the invention presented in Korean Patent Application No. 10-2008-116867 filed by the inventor of the present application, only one unique payment window is provided for each seller in the case of a unique payment window for each member. However, the applicant is not able to easily change the amount if the seller sells a large number of items, and the buyer cannot provide the name of the item to be purchased in the amount confirmation window presented to the buyer. There was an inconvenience to describe. In the present invention, the above two problems arising from Korean Patent Application No. 10-2008-116867 filed by the inventor of the present application can be solved using specific transaction information data.

Therefore, in the present invention, when the buyer makes a deposit, the seller can easily determine which product is settled using the 'item name' included in the specific transaction information data. Another easy way to determine whether a product has been sold is to store the product's url when the seller registers the product, and to retrieve the product's url when the buyer wants to buy the product. Compared to the stored urls at the time of registration, both can be displayed as related, but this method is also difficult to tell the data exactly how much the quantity was sold for each product and how much sales.

In the amount confirmation window, the purchaser's telephone number is also inputted. If the buyer is a member of the transaction settlement providing system, the purchaser can bring it from the corresponding system, but if the buyer is a non-member, enter it directly. In addition to the purchaser's phone number, an e-mail address or the like may be entered, and buyer-specific information such as a phone number or e-mail address may be used as a key value for providing non-member purchase information in the future.

In the amount confirmation window illustrated in FIG. 3, a transaction approval code is inputted, but the transaction approval code is inputted before the amount confirmation window as illustrated in FIG. 2 or together with the amount confirmation window as shown in FIG. 3. can do. Even when entering into the amount confirmation window, as shown in Figure 3, the comparison of the transaction approval code pre-registered by the seller must be performed before the transaction approval. The amount confirmation window should also have the member identifier of the transaction payment provision system that registered the product as meta information.

When the purchaser system completes the input of the amount confirmation window (ST12), the transaction settlement providing system stores the content of the amount confirmation window input (ST13). Such storage is performed in the form of a DB or a table. For example, it is assumed that the input contents of the amount confirmation window are stored in the product information DB. In a typical electronic commerce system, a product information DB or a sales DB is generated at the time when a seller registers an item to be sold. In this case, the product information DB or the sales DB means a DB that stores information about a product that the seller wants to sell. However, the transaction payment providing system according to the present invention does not need to store a product to be sold until this step because the seller does not have a special transaction just by exposing the deposit window to the web environment. The product information DB or the sales DB may be generated when the buyer clicks the deposit window or when the buyer completes the deposit. The product information DB stores information about payment amount, quantity, web environment url, purchased product, shipping address, buyer phone number, and transaction memo. On the other hand, the transaction payment provision system should provide the buyer with information on the product that has been purchased. For this purpose, the member provides the contents using the member purchase DB, and the non-member provides the purchase contents using the non-member purchase DB. (ST14). Member purchase DB stores "Member ID, payment amount, quantity, transaction web environment url, shipping address, buyer phone number, purchase name, transaction memo", and non-member purchase DB "payment amount, quantity, transaction web environment url, shipping address" , Buyer phone number, purchase name, and transaction memo "are stored. If the buyer needs to log in to the transaction payment provisioning system and understand the progress of the purchase, the member should log in using the member ID. If the member is a non-member, the buyer's telephone number or email address can identify the non-member. Etc. to use.

The transaction payment providing system provides a payment module and induces payment according to the payment method selected by the buyer (ST15, ST16, ST17). The method of providing the payment module according to the deposit method is widely used in the auction site, so a detailed description thereof will be omitted. Briefly, in the case of unpaid deposit, the transaction settlement providing system can process the seller's virtual account number by notifying the buyer, and in the case of credit card and mobile phone payment, notify the payment amount to PG company and make payment through PG company. Act on behalf of.

After that, the buyers and sellers are notified of the payment details, and the steps of requesting the seller to deliver the goods and the steps of approving the transaction are similar to those of the auction site and the G market site. .

In the present invention, as described above, the center for the sale or purchase of goods is not provided for each product, but for each seller. Therefore, when the same seller sells multiple items, the product DB is not provided in the transaction settlement providing system, so detailed information about how much is sold and how much is left is not known. This is because the transaction targeted by the present invention mainly focuses on selling a small number of items between individuals, so that the details of the transaction between the seller and the buyer can be confirmed as a purchase name and a transaction memo.

It will be described with reference to Figs. 4, 5 and 6 assuming a transaction that can occur substantially. Assume that the seller has registered to sell three products in the web environment "www.naver.com/blog/Dr. Gbakko" as shown in FIG. In the conventional merchandise trading site, a separate product registration page should be generated for each product to be sold. In the end, transactions are made by products, and database operations and payment processing are performed by products. However, in the present invention, by using a unique deposit window for each member it is possible to trade three items with the same deposit window. In FIG. 4, it can be seen that deposit windows 4-1, 4-2, and 4-3 for trading each item are presented next to each item separately. In this case, the three payment windows 4-1, 4-2, and 4-3 presented store the member identifier of the seller as meta information. In addition, when the procedure of FIG. 2 is performed up to the step ST3, that is, only the step of copying the deposit window to the corresponding web environment, all are stored in the web environment as the same deposit window. The three deposit windows 4-1, 4-2, and 4-3 shown in FIG. 4 are stored with different meta information because different specific transaction information data is input as the ST4 step of FIG.

For example, if the deposit window (4-1, 4-2, 4-3), which has been performed up to step ST3, is displayed in the html language, all of them are "http://www.eummoney.com/mc/index.jsp?mc_id=Member Identification ID ". Here, www.eummoney.com is the domain address of the transaction settlement providing system, and the member identification ID corresponds to the seller identifier. Subsequently, when the specific transaction information data is input to each deposit window in step ST4, the html language corresponding to each deposit window is changed and stored into a deposit window in which a price and a product name are specifically specified. For example, the deposit window 4-1 will be stored in the html language of "http://www.eummoney.com/mc/index.jsp?mc_id=Member ID / 300,000 / fitness bike" (4-2) will be saved in the html language of "http://www.eummoney.com/mc/index.jsp?mc_id=Member ID / 20,000 / Kickboard", and the deposit window (4-3) will be " http://www.eummoney.com/mc/index.jsp?mc_id=Member ID / 100,000 / Seiko 007 Clock "will be saved in the html language.

5 is an example in which the purchaser "Healthman" inputs the amount confirmation window to purchase a health bike, Figure 6 is an example in which the buyer "diameter Xinhua" input the amount confirmation window to have a Seiko watch. Of course, it is the result of the purchasers "Health Man" and "Diamond Advent" clicked on the deposit windows 4-1 and 4-3 shown in FIG. 4, and the deposit windows presented in the present invention can be repeatedly used among a plurality of buyers. It can be.

As shown in FIG. 5, when the purchaser "healthman" clicks the deposit window 4-1, the transaction payment providing system executes the jsp statement stored in the deposit window, and additionally enters the specific transaction information after the separator (/). After interpreting the data, it is displayed in the amount confirmation window. The transaction payment providing system obtains the address (shipping address) and the buyer's phone number stored in the system if the "HealthMan" is a member of the transaction payment providing system, and displays it on the amount confirmation window. Of course, "HealthMan" can be modified. The transaction page is not inputted by the buyer "Healthman", but when the amount confirmation window is generated, it obtains and displays information about the URL of the web page provided with the deposit window. Next, the buyer "Healthman" enters the quantity, the shipping agent, the payment method, and the transaction memo. If a trade name to be purchased is entered in the transaction memo field, the purchased product field may be omitted since it is overlapping information.

As shown in FIG. 6, the buyer “Diamond Advent” is not a member of the transaction settlement providing system, so the remaining information except for the transaction page is directly input. As shown in FIGS. 5 and 6, the information input by the buyer is stored in the transaction payment providing system in a DB or table form.

7 is an example of a screen displayed when the seller "Dr. Ji Bakko" logs into the transaction payment providing system and inquires about the sales progress. As shown in the screen of FIG. 7, the present invention is not a method of automatically determining whether the corresponding product is sold, but specific transaction information data input by the seller in the deposit window or transaction memo input by the buyer. It can be seen that by visually confirming that a product has been traded by allowing it to be displayed to the seller.

Hereinafter, specific embodiments will be described.

8 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention. The merchant system registers as a transaction payment providing system (s1). 9 shows an example of a member registration screen. When a member is registered, a real name confirmation, a member ID, a password, and an e-mail are input. The contents are stored in a member DB. The payment account is entered as soon as the real money is withdrawn from the payment system.

The transaction settlement providing system generates a unique deposit window for each member to the member who has completed the membership registration (s2). The deposit window is shown as a simple button in appearance when exposed to the web environment, and the button stores a member identifier (for example, a member ID) that identifies a member who is a seller as meta information. Here, a unique deposit window for each member is a term used to contrast a unique deposit window with the product being sold by a normal e-commerce system as a key. If the same member is used, it is unique regardless of the type and quantity of products sold. It is given as one.

10 is an example of a deposit window provided to a member. In the present invention, the deposit window is provided in three forms. The first is the image form 101 that can be used in the image bulletin board, the second is the HTML form 103, and finally the URL form 105.

An example of source code for copying to a clipboard to provide a deposit window in an image bulletin board 101 to a web environment is an example of implementing JavaScript "function copy_all ()".

function copy_all ()

{

     var text = document.item.document.body.createTextRange ();

     text.select ();

     text.execCommand ("Copy");

}

The first var text statement specifies the area of the image to copy, the second text.select () statement selects the area, and the last statement copies it to the vendor's clipboard.

The source code provided in HTML form 103 is

function copy_html () {

     var ele = document.item.document.body;

     var maintext = ele.innerHTML;

     window.clipboardData.setData ("Text", maintext);

}

For example, you can store an object in document.item.document.body, store it in a variable in maintext, and copy its contents to the vendor's clipboard.

The source code provided in URL form 105 is

function copy_link () {

    var maintext = "http://www.eummoney.com/mc/index.jsp?mc_id=Member Identification ID";

     indow.clipboardData.setData ("Text", maintext);

 }

Can be implemented.

In the three types of deposit windows, "http; // www.eummoney.com/mc/index.jsp?mc_id=member identification ID " is recorded as meta information. Among these, "http; // www.eummoney.com/mc/index.jsp" is a jsp language executed when the buyer clicks the deposit window copied to the web environment, and the member identification code or member ID of the seller is used as a variable. It is stored. That is, the deposit window provided according to the present invention includes meta information for generating a window including a member identifier of a seller and a field for inputting a payment amount to a buyer.

The seller registers the product to be sold in the web environment, copies the deposit window and exposes it to the web environment (s3). Copying of the deposit window is made by copying from the transaction payment providing system to the seller's clipboard and pasting it into the web environment. 11 is an exemplary view of copying the deposit window 111 in the body of the email and sending it to the buyer when sending the email through blue. In FIG. 11, an e-mail body is set as a web environment. In addition, the web environment includes an activity space on the Internet such as an internet bulletin board, a blog, a community site, a personal homepage, a forum, a mini homepage, and the like.

Since the deposit window does not reflect any information on the product price and product name to be sold, the specific transaction information data is input to the deposit window using a text editor such as html provided in a web environment. FIG. 12 shows a command executed in a html editor when a consumer clicks on a deposit window exposed to a web environment, and (a) is the html language of the deposit window before the seller enters specific transaction information data. b) shows an example of the input format of the specific transaction information data added by the seller as indicated in the square area, and (c) shows the deposit window after the specific transaction information data to which the specific data has been added by the seller. html language.

"www.eummoney.com/mc/index.jsp?" represents a jsp statement that is executed when the buyer's system clicks on the deposit window exposed in the web environment, "/" is a field separator, and is entered between the field separators. "Data1", "Data2" and "Datan" are information about the merchandise to be displayed in the amount confirmation window generated and provided by the transaction settlement providing system when the buyer presses the deposit window exposed to the web environment. . The input form of such specific transaction information data should be entered in a form previously agreed with the transaction settlement providing system and the seller. More specifically, the transaction settlement providing system sets a rule for inputting specific transaction information data and makes the seller familiar with it. The transaction settlement providing system receives the specific transaction information data, interprets it, and provides the interpreted information to the amount confirmation window. If no specific transaction information data is input, the purchaser is provided with an amount confirmation window having an input field for inputting the corresponding data. For example, in the embodiment of FIG. 12, the html language for the execution statement executed when the deposit window is clicked is "http://www.eummoney.com/mc/index.jsp?mc_id=Member identification ID / kickboard". In this case, the amount confirmation window provided to the buyer system provides a field for inputting a product amount. In the embodiment of FIG. 12, "/" is used as a field separator. The first data field, Data1, displays a price, and the second data field, Data2, displays an article name. The number and attributes of the data fields are determined by the transaction settlement providing system, and thus are not particularly limited. In addition to the price and the item name, a plurality of data may be expressed.

When the buyer system surfs the web environment (s5) and finds a product to purchase, the purchaser system requests the seller to purchase through a text, chat or phone number of the seller described in the web environment (s6). ). When the negotiation is smoothly conducted between the seller and the buyer, and the buyer clicks on the deposit window exposed to the web environment, the transaction settlement providing system interprets the specific transaction information data and uses it to provide the amount confirmation window to the buyer system (s7). , s8, s9).

Here is an example of the source code that provides the amount confirmation window.

<A

onfocus = blur ()

href = "http://www.eummoney.com/mc/index.jsp?mc_id=ifMember ID / 20000 / Kickboard" target = _blank>

</A>

Providing the Amount Confirmation Window In the source code, the first line is the command to remove the focus of the cursor considering the graphic. The second href statement is "index.jsp" stored under the http://www.eummoney.com/mc directory. Jsp language, and use the member identification ID, 'data1 (20000)' and 'data2 (kickboard)' as variables (parameters). More precisely, the address http://www.eummoney.com/mc/index.jsp ", where the executable statement will be linked and linked through the href statement, and the variable used to execute the statement, may contain the seller's identification number, The price is specified and sent.

The transaction settlement providing system executes an index.jsp statement, identifies a seller using a seller identification number, interprets a product price and a product name input as specific transaction information data, and based on the interpreted information, FIG. 13 or 14. It provides the amount confirmation window 120, such as to the buyer system.

Figure 13 shows a specific embodiment of the amount confirmation window when the buyer is a member of the payment providing system, Figure 14 shows a specific embodiment of the amount confirmation window when the buyer is a non-member. It can be seen that the difference between FIG. 13 and FIG. 14 differs only in the provision of the non-member service terms and conditions and the purchaser information input field 125.

The amount confirmation window 120 is provided as a pop-up window on the display of the purchaser system as a means for providing or displaying the upper menu 121 and fields for inputting product information and buyer information. The upper menu 121 includes a 'joint tag' menu for creating a deposit window, an 'in progress transaction' menu for displaying an active transaction for displaying a product being sold or a product being purchased by the member, and the amount deposited by the buyer. It includes a 'withdrawal management' menu for withdrawing money, and a 'ended transaction' menu for displaying a goods transaction in which the transaction is completed. In the product information field, the 'product amount' corresponding to the data field (data 1) of the deposit window and the 'product name' corresponding to the data field (data 2) are displayed, and the requirements for the buyer to convey to the seller are described. The transaction memo column 123 is provided. Next to the commodity amount is provided with a change amount button 124 is further to change the transaction amount by pressing the corresponding amount change button 124. For example, in the embodiment of FIG. 13, if a transaction amount (commodity amount) of one kickboard is 50,000 won, and a buyer wants to purchase two, the buyer selects 100,000 won by pressing the amount change button 124. That is, the amount change button 124 is a button for increasing the product price provided in the amount confirmation window to the amount of multiples. In the case of the embodiment of Figure 13, if the amount change button 124 is pressed, the price is changed by multiples of 50,000 won, such as 100,000 won, 150,000 won, .... Referring to the flowchart of FIG. 2, when the purchaser enters the amount confirmation window at step ST12, the subsequent step is performed based on the determined amount. The buyer name is displayed in the buyer information field and the contact information is entered.

14 is an example of the amount confirmation window 120 provided when the buyer is a non-member of the transaction settlement providing system. When the buyer is a member of the transaction settlement providing system, the buyer may be identified using a member identifier (ID). However, when the buyer is a non-member of the transaction settlement providing system, the non-member may be identified by a telephone number or an email. Non-members can log in using a phone number or e-mail when accessing the transaction payment system to check transaction details. In addition, non-members provided a password field and a password check box to prevent others from exposing the information. 13 and 14 are only one example screen, and various changes are possible, of course.

In the amount confirmation window 120, "seller identification ID" is stored as meta information not shown in the buyer system. When the buyer enters all the necessary information (s10), it is stored in the "product information DB" using the "seller identification ID" stored as meta information stored in the amount confirmation window (s11). Subsequently, the payment providing system recognizes data such as “transaction amount” and “transaction memo” as one identifier and issues a new “sale product code”, and uses the corresponding “sale product code” to pay for and deliver the goods. You will track a series of steps. The "buyer information" entered by the buyer in the amount confirmation window 120 is stored in the "product purchase information DB" using the corresponding "sale product code." Processes for subsequent payment (s12, s13, s14) proceed in a manner similar to a conventional internet commerce payment system.

Meanwhile, when the purchaser who has already deposited the payment amount clicks the deposit window 111 button shown in FIG. 11 again, the amount of FIG. 13 and FIG. 14 is confirmed to check the progress after payment (for example, the delivery status). The window 120 is further provided with a progress button 127. If you click the progress button 127, if you are a member, you will be asked to enter a member identifier (member ID, etc.), and if you are a non-member, you will be prompted to enter the identifier (e-mail address or social security number) you entered at checkout Afterwards it was possible to know the progress.

The present invention is capable of various modifications. For example, one image containing various items is displayed in a web environment, and an area in which each item is displayed is defined. When the user clicks on the defined area with a mouse, it can be modified to execute a command that is executed when the consumer clicks the deposit window exposed to the web environment as shown in FIG. 12. 15 is an example in which the amount confirmation windows 20-1, 20-2, ..., 20-6 are displayed when a plurality of items to be sold are represented on one image and the items on the image are clicked on. It is shown. In FIG. 15, the amount confirmation window provided in FIGS. 13 and 14 is simplified and re-shown as the amount confirmation windows of 20-1, 20-2, ..., 20-6. In this case, the flow shown in FIG. 16 needs to be implemented in the html of the web environment where the image is displayed. That is, when the user clicks on area 1 defined as the glasses area, the amount confirmation window 20-1 for purchasing the corresponding glasses pops up to be displayed, and when the user clicks on area 2 defined as the upper area, The amount confirmation window 20-2 for purchasing the top is displayed in a pop-up window, and when the user clicks on the area 3 defined as the car area, the amount confirmation window 20-3 for purchasing the car is popped up and displayed. If the user clicks on the area 4 defined as the bottom jeans area, the amount confirmation window 20-4 for purchasing the jeans is popped up and the user clicks on the area 5 defined as the bag area. In this case, the amount confirmation window (20-5) for purchasing the bag is popped up to be displayed. If the user clicks the area 6 defined as the shoe area, the amount to purchase the shoe The determination window 20-6 is provided as a popup. When applied to the modified embodiment shown in Figure 15 and 16, the deposit window provided from the payment means providing system is copied in text form, and should be stored as a statement executed without being displayed to the visitor to the web environment. . Therefore, the modification shown in FIG. 15 may be used only by a user who has some knowledge of the html language.

The modified embodiment shown in FIG. 15 is a transaction payment providing method for providing a payment method between the seller system and the buyer system in performing a product transaction between the seller system and the buyer system using a web environment connected through an internet network.

A first step of registering a seller as a member, a second step of generating a deposit window in a text form including meta information of the seller's member identifier, and providing it to a clipboard of the buyer system; At least one image containing a plurality of items in the image, wherein the seller divides the image into several regions to define a plurality of article regions, and the merchant executes when the seller clicks on the divided regions. Storing the transaction data and additionally inputting specific transaction information data including a transaction amount, and when the buyer clicks the divided region, providing a purchase price confirmation window including the specific transaction information data to the buyer system; It may be described as a transaction payment providing method characterized in that provided.

The present invention is applicable to various fields. For example, it can be applied to the preview of an e-book. Amazon.com and others provide previews for some books to visitors. The preview service is to provide prospective buyers with free access to some pages of the book before purchasing it. However, this preview service is provided only to users who visited the Amazon dot com site. There are many reasons to limit this preview service to only those who have visited the site, but the most important issue is that payment processing is not desired.

17 illustrates an example in which the deposit window of the present invention is applied to a preview function of a book. As shown in FIG. 17 (a), the user presents a reading comment that the user read an Alice story deeply in a web environment such as his blog, and pastes the preview icon 130 of the book. The preview icon 130 is an icon which shows some pages of the book in advance when the user clicks the icon, and provides a payment method when the user requests a view beyond the prescribed number of pages.

When a third user who visits the web environment clicks the preview icon 130, a preview service is provided so that a predetermined number of pages can be previewed as shown in FIGS. 17 (b) and 17 (c). . If the third user wants to see all the prescribed pages (page 10 in FIG. 17) and the next page, the deposit window 110 according to the present invention is presented as shown in FIG. 17 (d). Of course, the deposit window provided in FIG. 17 (d) is pasted by the owner of the web environment, and then the html language of the deposit window is "http://www.eummoney.com/mc/index.jsp?mc_id=Member ID". / 1,800 / Alice's Story ".

Although specific embodiments of the present invention have been described and illustrated above, it will be apparent that various modifications may be made by those skilled in the art without departing from the technical spirit of the present invention. Such modified embodiments should not be understood individually from the spirit and scope of the present invention, but should fall within the claims appended to the present invention. For example, although the name "database" is used in the present invention, it may be applied in a table form, etc., depending on the system.

1 is a block diagram of a peripheral system including a transaction settlement providing system according to the present invention.

2 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention;

3 is an example of the amount confirmation window.

Web environment of an example in which the seller registered three products in the web environment "www.naver.com/blog/Dr. Gbakko" as shown in FIG.

5 is an example in which a purchaser "healthman" who purchases the product of FIG. 4 enters an amount confirmation window.

6 is an example in which the purchaser "diameter Xinhua" purchasing the goods of FIG. 4 inputs the amount confirmation window.

7 is an example of a screen displayed when the seller "Dr. Ji Bakko" logs into the transaction payment providing system and inquires about the sales progress.

8 is a flowchart illustrating a work flow between a transaction settlement providing system and a peripheral system according to the present invention;

9 is an example showing a member registration screen.

10 is an example of a deposit window provided to a member.

11 is an example of copying the deposit window in the email body and sending it to the buyer when sending an email via blue.

12 is a html language format displayed on the html editor of the deposit window exposed to the web environment, (a) is the html language of the deposit window before the specific transaction information data is input, (b) is a seller as shown in the square area (C) is an example of the html language of the deposit window after the specific transaction information data added by the seller is input.

Figure 13 is a specific embodiment of the amount confirmation window when the buyer is a member of the payment providing system.

14 is a detailed embodiment of the amount confirmation window when the buyer is a non-member.

Claims (16)

A transaction payment providing system that provides a payment method between a seller system and a buyer system in performing a product transaction between a seller system and a buyer system using a web environment connected through an internet network. Generate a deposit window containing the seller's member identifier as meta information to the seller who has completed the membership and provide it to the seller system, and the seller system stores the deposit window in a web environment and includes the transaction amount in the deposit window. When the buyer presses the exposed deposit window while additionally inputting specific transaction information data to the web environment, the buyer system receives the specific transaction information data and the member identifier of the seller from the web environment. The transaction settlement providing system, characterized in that to provide a price confirmation window in which the specific transaction information data is displayed. The method of claim 1, Transaction payment providing system, characterized in that it further provides an amount change button for changing the product amount to the amount of money in the amount confirmation window provided to the buyer system. The method of claim 1, The transaction payment providing system is a transaction payment providing system, characterized in that for providing a copy of the deposit window to the clipboard of the seller system. The method of claim 1, The specific transaction information data is a transaction settlement providing system, characterized in that consisting of data input between the field separator and the separator. 3. The method of claim 2, The payment window is provided in the form of an image, the transaction settlement providing system, characterized in that for setting the area in which the image is located, the selection of the area and copying it to the clipboard of the seller system. The method of claim 1, The payment window is a transaction payment providing system, characterized in that only one is issued per seller, regardless of the type of goods sold by the seller to the membership. The method of claim 1, The amount confirmation window including a field for inputting the payment amount directly to the purchaser system, the href command is included as meta information. The method of claim 1, In the amount confirmation window including a field for inputting the payment amount directly to the buyer system, the address where the execution statement to be linked and executed is placed and a variable used when executing the execution statement are stored as meta information. Transaction payment provision system. A transaction payment providing method for providing a payment method between a seller system and a buyer system in trading goods between a seller system and a buyer system using a web environment connected through an internet network, A first step of registering a seller as a member; A second step of generating a deposit window including meta information of a member identifier of the seller and providing the deposit window to a clipboard of the purchaser system; And When the member who is the seller copies the unique deposit window and stores it in the web environment, additionally inputs specific transaction information data including a transaction amount and exposes the web environment and the buyer presses the exposed deposit window. And a third step of providing the purchaser system with an amount confirmation window including the specific transaction information data. The method of claim 9, The payment window provided to the seller system in the first step is provided with at least an image form, HTML form and URL form transaction payment providing method. The method of claim 10, When the deposit window is provided in the form of an image, the first step A first step of setting an image area; Steps 1-2 for selecting the area set in the step 1-1; And And a first step of copying the area set in the first step to the clipboard of the seller system. The method of claim 9, The payment window provided in the second step is a transaction payment providing method characterized in that only one is issued per seller, regardless of the type of goods sold by the seller. The method of claim 9, The amount confirmation window provided in the third step includes a href statement as meta information. The method of claim 9, The amount confirmation window provided in the third step is a transaction payment providing method characterized in that it contains the address where the execution statement to be linked to be executed and the variable used to execute the execution statement as a meta information. The method of claim 9, A fourth step of receiving an amount confirmation window from the buyer system; And And a fifth step of storing product information that the seller intends to sell or sell after the fourth step. A transaction payment providing method for providing a payment method between a seller system and a buyer system in trading goods between a seller system and a buyer system using a web environment connected through an internet network, A first step of registering a seller as a member; A second step of generating a deposit window in a text form including meta information of a member identifier of the seller and providing the deposit window to a clipboard of the purchaser system; And The seller member provides at least one image including a plurality of items in the web environment, the seller divides the image into several areas to define a plurality of goods areas, and the seller identifies the divided areas. After saving the deposit window that is executed when clicked, additionally input the specific transaction information data including the transaction amount, and when the buyer clicks the divided area, confirm the amount of the specific transaction information data to the buyer system. And a sixth step of providing a window.

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