KR20110035550A - Electronic commerce system and method for providing a purchase loan service and server apparatus thereof - Google Patents

Abstract

PURPOSE: An electronic commercial transaction system and server for the same are provided to offer a purchase loan service which selects the amount of loans by using a credit payment method. CONSTITUTION: A customer terminal uses electronic commerce by communicating with a member store server(200) through the internet. A payment agency server(300) relays the transmission of messages in order to supply a purchase loan service which uses online credit loan. The payment agency server processes in order that product price is paid to a member store account. Servers in financial network transmit the messages with the payment agency server.

Description

ELECTRONIC COMMERCE SYSTEM AND METHOD FOR PROVIDING A PURCHASE LOAN SERVICE AND SERVER APPARATUS THEREOF

The present invention relates to an electronic commerce system and a method thereof, and more particularly to an electronic commerce system and a method using a credit settlement method.

As e-commerce through the Internet is active, the use of credit or electronic payment methods using credit cards and check cards is increasing rapidly.

As a representative example of the e-commerce, the payment method performed in the online shopping mall is described. The customer accesses the online shopping mall using a communication terminal such as a personal computer, a laptop, a mobile phone, and the like which can be connected to the Internet. A customer who wants to purchase a desired item or service (hereinafter, referred to as "article") in the online shopping mall requests his or her purchase of goods, for example, by inputting his or her credit card information on a payment screen provided through the online shopping mall. When the online shopping mall that receives a purchase request of a customer receives a transaction approval result from a server of a ban company that provides a payment service or a server of a financial institution that issued a customer's credit card, the online store concludes a transaction with the customer, and Financial institutions remit payments for goods and the like to an account of an online shopping mall.

In the case of the general e-commerce method as described above, if the customer's credit card limit is exhausted at the time of purchase of the goods or the customer has to purchase the goods urgently, but the credit card is difficult to use, the e-commerce cannot be used. There was discomfort.

The present invention provides an electronic commerce method and system for providing a purchase theory service that can select the loan amount in the electronic commerce system.

In another aspect, the present invention provides a server device for providing a purchase theory service that can select a loan amount in an electronic commerce system.

In addition, an electronic commerce system using a credit payment method according to an embodiment of the present invention is a merchant server for Internet-based electronic commerce; A customer terminal for using the electronic commerce by communicating with the affiliated store server through the Internet; At least one of customer identification, account authentication, and credit check between the customer terminal, the merchant server, and the financial network to provide a purchase loan service using an online credit loan as a payment method of goods in the electronic commerce and the purchase loan service. A payment agent server which relays transmission and reception of messages for use request and processes the goods price to be paid to an account of a corresponding merchant; And transmitting and receiving the messages with the payment agency server, processing the payment for the goods from the loan amount according to the purchase loan service to the account of the corresponding affiliate through the payment agency server, and subtracting the payment for the goods from the loan amount. At least one server of the financial network for processing a remaining loan to be paid to the customer's authenticated account.

In addition, according to an embodiment of the present invention, an electronic commerce method of performing a credit settlement between a customer terminal accessible to a communication network and an affiliated server through a financial network is an online credit as a payment method for purchasing an item in an electronic commerce operated through the affiliated server. Providing at least one selectable payment method including a purchase theory service using a loan to the customer terminal; Processing, by the payment agency server, at least one of customer identification, account authentication, and credit inquiry through the financial network to determine a loan limit of the customer when the purchase loan service is selected as the payment method; And forwarding the purchase loan usage request message transmitted from the customer terminal to the financial network, processing the payment for the goods from the loan amount according to the determined loan limit to the account of the affiliate store through the payment agent server, and the loan amount. In the process comprising the process of payment of the remaining loans deducted from the price of the goods to the authenticated account of the customer through the financial network.

In addition, according to an embodiment of the present invention, a method for providing a purchase theory service in a payment agency server that handles credit settlement in an e-commerce system including a customer terminal and an affiliated server using internet-based e-commerce through a financial network is described above. When the procurement theory service using online credit loan is selected as a payment method for purchasing goods in an e-commerce operated through a merchant server, at least one of customer identification, account authentication, and credit inquiry is processed between the customer terminal and the financial network. Sending and receiving messages for transmitting; When the loan limit of the customer is determined through the financial network according to the processing result of at least one of the identity verification, account authentication, and credit inquiry, and a request message for the purchase loan service is received from the customer terminal, the use of the purchase loan service is used. Delivering a request message to the financial network; And paying the payment for the goods paid from the financial network that receives the use request message of the purchase theory service to the account of the affiliated store.

In addition, according to an embodiment of the present invention, a method for providing a purchase theory service in a payment agency server that handles credit settlement in an e-commerce system including a customer terminal and an affiliated server using internet-based e-commerce through a financial network is described above. When the procurement theory service using online credit loan is selected as a payment method for purchasing goods in an e-commerce operated through a merchant server, at least one of customer identification, account authentication, and credit inquiry is processed between the customer terminal and the financial network. Sending and receiving messages for transmitting; When the loan limit of the customer is determined through the financial network according to the processing result of at least one of the identity verification, account authentication, and credit inquiry, and a request message for the purchase loan service is received from the customer terminal, the use of the purchase loan service is used. Delivering a request message to the financial network; And paying the payment for the goods paid from the financial network that receives the use request message of the purchase theory service to the account of the affiliated store.

In the following description of the present invention, detailed descriptions of well-known functions or configurations will be omitted if it is determined that the detailed description of the present invention may unnecessarily obscure the subject matter of the present invention. Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

First, the basic concept of the present invention together with the definition of terms used in the present specification will be described, and then embodiments of the present invention will be described.

In an embodiment of the present invention, a customer purchases goods by accessing an affiliated store server that provides an online shopping mall service through a terminal having an internet access function. When purchasing goods, the electronic commerce system of the present invention may provide an online credit loan service for payment of goods price by connecting a financial network and an online shopping mall. The online credit loan service provided herein will be referred to as "loan" below.

In an embodiment of the present invention, the purchase theory does not require a separate membership to a payment agency or a credit institution that provides a credit loan service, and provides an immediate credit loan service through real-time identity verification, account authentication, and credit check online. Can be. In addition, the purchase theory provides a service that allows the customer to select a loan amount within a credit limit based on the product value and the customer's credit information, instead of simply providing the customer's price as a credit loan.

1 is a block diagram showing the configuration of an electronic commerce system that provides an instant purchase theory service according to an embodiment of the present invention.

Referring to FIG. 1, an electronic commerce system of the present invention includes a customer terminal 100 for accessing an online shopping mall, an affiliated store server 200 for operating an online shopping mall, the customer terminal 100, and an affiliated store server 200. And it is connected to the financial network (S1) includes a payment agency server 300 for the purchasing theory service of the present invention during electronic commerce. The customer terminal 100, the merchant server 200, the payment agent server 300, and the financial network S1 are connected to each other through a known communication network such as the Internet or a dedicated line to perform communication. In addition, in FIG. 1, the financial network S1 may include a credit institution server 400, a credit bureau server 500, a financial settlement agency server (hereinafter referred to as a “KIFK server”) 600 and a bank of a bank account of a customer. A bank server 700.

In FIG. 1, only one customer terminal 100 and a merchant server 200 are illustrated for convenience of description, but in reality, a plurality of customer terminals and merchant servers are connected to a payment agent server 300 through a communication network such as the Internet. .

In FIG. 1, the customer terminal 100 may use various communication terminals having an Internet access function such as a computer device, a notebook computer, a PDA, a mobile phone, etc. of a customer who accesses an online shopping mall or the like and uses electronic commerce. In addition, the customer terminal 100 is used by a customer including a mobile phone capable of receiving a short message and a computer device for accessing the Internet when transmitting at least one of various authentication information related to a purchase loan service in a short message (SMS). It can be understood as a plurality of communication terminals.

In FIG. 1, the affiliated store server 200 is a server such as an online shopping mall that provides a web-based electronic commerce service through the Internet. The merchant server 200 provides a selection menu for a customer to select the purchase loan service on a screen for selecting a payment method of an item price. The merchant server 200 provides various screen interfaces including a selection menu screen for the purchase loan service, as well as use request / response messages related to the customer terminal 100 and the payment agent server 200 and the purchase loan service, and use cancellation / And a program module 210 for transmitting and receiving a response message, goods payment information, and the like.

In FIG. 1, the payment agent server 300 relays transmission and reception of a request / response message for identity verification, account authentication, and credit inquiry of a customer who wants to use a purchasing theory between the customer terminal 100 and the financial network S1. . In addition, the payment agent server 300 provides a screen interface for selecting a loan amount by the customer using the purchase loan to the customer terminal 100 as well as using the purchase theory between the customer terminal 100 and the credit institution server 400. Relays the transmission and reception of request / response messages. In addition, the payment agent server 300 relays the payment processing of the goods price according to the use of the purchase theory between the merchant server 200 and the credit institution server 400. In addition, the payment agency server 300 performs an early repayment process or a refund process for the credit institution server 400 and the corresponding price of the goods when a request for canceling the purchase of the goods by the customer from the merchant server 200 using the purchasing theory. In the present embodiment, it is assumed that when the purchase theory is used, all of the customer's identity verification, account authentication, and credit inquiry are performed, but if the customer's credit can be authenticated through at least one of the identity verification, account verification, and credit inquiry, One or two procedures of verification, account verification and credit check may be omitted.

In the financial network S1 of FIG. 1, the credit institution server 400 is a server of a credit institution that provides a purchasing theory service in connection with a plurality of merchants and settlement agencies. The credit institution server 400 relays transmission / reception of a request / response message for identity verification and credit inquiry of a customer who wants to use a purchasing theory between the payment agency server 300 and the credit information company server 500. In addition, the credit institution server 400 relays the transmission / reception of a request / response message for account authentication of a customer who wants to use a purchasing theory between the payment agency server 300 and the KFTC 600.

In the exemplary embodiment of the present invention, the customer's account authentication is assumed to be performed through the KFTC 600. However, when the bank or credit information company where the customer's bank account is opened performs the account authentication, the corresponding bank server 700 Alternatively, it is possible to perform the account authentication of the customer through the credit information server server (500).

In addition, the credit institution server 400 transmits the goods payment information according to the use of the purchasing loan to the payment agency server 300, the payment agency server 300 transmits the goods payment information to the merchant server 200. . Here the goods are remitted to the designated bank account of the merchant and payment agency. In addition, in the embodiment of the present invention, if it is determined that the customer is available for purchase theory as a result of the credit inquiry, the customer may select a limit of the loan amount on the predetermined payment screen provided through the payment agent server 300, and the price of the goods in the selected loan amount The remaining loan, deducted, will be paid to the customer's authorized bank account. To this end, the credit institution server 400 performs payment processing for payment of the remaining loan with the corresponding bank server 700.

In the financial network S1 of FIG. 1, the credit bureau server 500 is a server of a credit bureau that provides identity verification, a credit inquiry service, and the like in an e-commerce, and the KFTC 600 is connected to a plurality of bank servers. It is a server of the KFTC that provides various authentication services such as account authentication and public authentication, and the bank server 700 is a server of a bank in which a customer's bank account is opened. Although not shown, a server of a relay agency may be selectively provided between the credit institution server 400 and the bank server 700 to transfer the remaining loan to a customer's bank account.

The specific method of identity verification, credit inquiry, account authentication, authorized authentication can be used a known method will be omitted the detailed description.

FIG. 2 is a block diagram illustrating a configuration of the payment agency server 300 in FIG. 1.

2, the payment agent server 300 is a communication interface 310 for communicating with the customer terminal 100, the merchant server 200, the financial network (S1) through a predetermined communication network, such as the Internet, dedicated lines, Database 330 and customer information that stores customer information, merchant information, credit institution information, and transaction information based on the customer's purchase theory for relaying transmission / reception of request / response messages for customer identification, account authentication, and credit inquiry. And a controller 350 that communicates with the terminal 100, the affiliate server 200, and the financial network S1 to perform overall control for providing a purchase theory service.

In FIG. 2, the communication interface 310 includes a first communication interface 311 for communicating with a customer terminal 100, a second communication interface 313 for communicating with a merchant server 313, and a credit institution server. A third communication interface 315 for communicating with 400 and a fourth communication interface 317 for communicating with bank server 600. However, the configuration of the communication interface 310 as an example, the communication method used when communicating with the customer terminal 100, merchant server 313, credit institution server 400, and bank server 600. According to a kind, it may be configured by transforming it into a single or a plurality of communication interface units. For example, when the customer terminal 100 and the affiliate server 313 both use the Internet, the first and second communication interface units 313 may be implemented as one communication interface.

In Figure 2, the database 330 is the customer's e-mail address, mobile phone number, such as personal information, e-mail information sent to the customer using the purchase theory, customer identification, account authentication, credit check customer terminal 100 Customer database 331 that stores image information of various screen interfaces provided by the user), subscription information of a merchant providing a purchase loan service as a payment method when paying for goods, a merchant server after the goods are delivered to a customer using a purchase loan Merchant database (333) that stores the delivery registration information received from the (200), credit institution database (335) that stores the subscription information of the credit institutions providing purchasing loan service, and customers and merchants and credit according to the use of the purchase theory And a transaction information database 337 in which transaction history information between institutions is stored.

3 is a block diagram functionally illustrating a configuration of the controller 350 in FIG. 2.

Referring to FIG. 3, the control unit 350 includes an identity verification processing unit 351, an account authentication processing unit 353, a credit inquiry processing unit 355, and a purchasing theory processing unit 357. The identity verification processing unit 351 transmits a request for identity verification using the personal information when the personal information such as name, resident registration number, mobile number, etc. is received from the customer terminal 100 to verify the identity for use of the purchase theory. Control the transmission and reception of authentication numbers. In addition, the personal information of the customer may be provided from the merchant server 200 when the personal information of the customer is registered in advance in the merchant server 200 according to the embodiment. The account authentication processing unit 355 controls transmission and reception of a request / response message for authentication of the bank account when the bank account information of the customer is received from the verified customer terminal 100. The credit inquiry processing unit 355 controls transmission and reception of a request / response message for credit inquiry of a corresponding customer when a credit inquiry request is received from the account-authenticated customer terminal 100 requesting a loan limit available for a purchase loan.

The purchase theory processing unit 357 credits the loan amount limit information including a screen interface for selecting a loan amount based on the corresponding article value and the possible loan limit of the customer identified through the credit inquiry. Control to be sent to. The loan amount limit information may be transmitted to the customer terminal 100 together with the credit inquiry response message generated through the credit inquiry processing unit 353 or may be transmitted as separate information.

In addition, the purchase theory processing unit 357 controls the transmission and reception of the purchase loan usage request message including the loan amount selection information selected based on the loan amount limit information and the response message. In addition, if the purchase loan processing unit 351 has a shipping registration to confirm that the delivery of goods according to the use of the purchase loan from the merchant server 200 or if the payment is received from the customer terminal 100 of the customer who received the goods, The payment of goods is processed by the merchant's bank account, and the goods payment information is transmitted to the merchant server 200. Here, the payment method for the goods at the merchant in accordance with the payment approval of the customer is used when applying a known escrow (escrow) payment method.

In addition, after the purchase loan processing unit 357 cancels the use of the purchase loan or the application for the use of the purchase loan, the product purchase cancellation (that is, the transaction cancellation) processing is controlled. Refund to. As another example, after a purchase loan is generated, when there is a cancellation of a purchase of a product by the customer, the purchase loan processing unit 357 may early repay the loan amount of the generated purchase loan.

4A and 4B are flowcharts illustrating an operation of a payment agency server 300 that provides an immediate purchase theory service according to an embodiment of the present invention.

4A and 4B, in step 401, when the payment agent server 300 receives an identity verification request message including personal information of a customer from a customer terminal 100 that has selected a purchasing theory as a payment method when purchasing an item, 403. In step 2, the client terminal 100 and the credit institution server 400 process transmission and reception of a request / response message using an authentication number for identity verification. Thereafter, when the payment agent server 300 receives the account authentication request message including the account information of the customer from the customer terminal 100 that has verified the identity in step 405, the customer terminal 100 and the credit institution server 400 in step 407. Handles the sending and receiving of a request / response message for authentication of the customer's account. Since the payment agent server 300 receives a credit inquiry request message from the customer terminal 100, which has undergone account verification in step 409, in step 411, the payment agent server 300 determines the loan limit of the customer between the customer terminal 100 and the KFTC 600. Handles the sending and receiving of a credit inquiry request / response message. Here, the credit inquiry response message includes limit information of the loan amount that the customer can select.

Thereafter, in step 413, if the message for canceling the use of the purchase loan is received from the customer terminal 100 receiving the credit inquiry response message, the payment agent server 300 proceeds to step 415 to terminate the purchase loan service for the corresponding customer. . When the purchase loan usage request message including the selection information of the loan amount is received from the customer terminal 100 in step 413, the payment agent server 300 proceeds to steps 417 and 419 in which the customer terminal 100 and the credit institution server ( 400) the transmission and reception of the purchase loan usage request / response message. Here, the payment agent server 300 stores the purchase loan transaction history information of the customer and the merchant in the database 330. Although not shown, the settlement agent server 300 processes the purchase loan service fee for the affiliated store and the credit institution server based on the purchase loan transaction history information.

Subsequently, in step 421, the payment agent server 300 proceeds to step 423 when there is a delivery registration according to the delivery of the goods from the merchant server 200 or the payment of the goods price from the customer terminal 100 using the escrow payment method. The payment of the goods paid from the credit institution is processed into the account of the merchant. In step 421, if there is no delivery registration or payment approval, it is checked whether a customer cancels a transaction. To this end, the payment agent server 300 transmits the order information message of the goods ordered by the purchase loan to the customer terminal 100, and if there is a delivery registration from the merchant server 200, transmits a delivery confirmation message to the customer terminal 100. do. In addition, when there is a transaction cancellation request from the customer terminal 100 receiving the order information message or the delivery confirmation message in step 425, the payment agent server 300 performs an early repayment or refund processing for the corresponding item price in step 427. . Detailed description of the early repayment or refund processing will be described later.

5A and 5B are flowcharts illustrating a procedure of an electronic commerce method for providing an instant purchase theory service according to an exemplary embodiment of the present invention. The method of the present invention will be described in detail with reference to the screen interface of FIGS. 11 to 14. do.

Referring to FIG. 5A, if there is an order connection for purchase of goods and selection of goods from a customer terminal 100 connected to an online shopping mall of an affiliated store in step 501, the affiliated store server 200 is a customer terminal 100 as shown in FIG. 11. It provides a screen interface for selecting a payment method. In FIG. 11, reference numeral 1101 denotes a plurality of payment methods available at an affiliated store, and 1103 illustrates a purchase theory payment method of the present invention among a plurality of payment methods. When the purchasing loan is selected as the payment method in step 503, the customer terminal 100 displays the personal information of the customer such as a phone number through the input screen as shown in FIG. 12 so as to inquire whether the corresponding customer is a customer who can use the purchasing loan. Receives the input and delivers to the payment agent server 300, the payment agent server 300 generates and transmits an identity verification request message containing the personal information. In the input screen of FIG. 12, reference numeral 1201 denotes a name and price of a product to be purchased, and 1203 denotes an input window for inputting personal information such as a mobile phone number and a social security number of a customer. The identity verification procedure A of steps 505 to 521 of FIG. 5 may use a known technique, and the credit institution server 400 may input from the customer terminal 100 through the authentication number input window 1301 of FIG. In step 511 and 513, the identification number is transmitted to the customer terminal 100, and the identity is transmitted.

After the identity verification procedure (A) is normally performed, the customer account verification procedure (B) is performed in steps 523 to 533. The account verification procedure (B) is performed through the KFTC 600 according to a known method, and the payment agency server 300 receives the account information of the customer input and transmitted through the account number input window 1303 of FIG. 13. Send and receive an account authentication request / result message with the KFTC 600.

After the account verification procedure B is normally performed, the credit inquiry procedure C of the customer is performed in steps 535 to 545. The credit inquiry process (C) is performed through the credit bureau server 500 in a known manner, and the payment agency server 300 is obtained through the identity verification process (A) and the account verification process (B). The credit information company server 500 transmits and receives a credit inquiry request / response message based on the customer information.

In step 545 of FIG. 5, the credit inquiry response message transmitted from the payment agent server 300 to the customer terminal 100 includes limit information of a loan amount selectable by the corresponding customer according to an embodiment of the present invention. In operation 547, the limit information of the loan amount is displayed on the customer terminal 100 on the loan amount selection screen shown in FIG. 14. Referring to FIG. 14, the loan amount selection screen includes a loan limit display field 1401, a loan amount selection field 1403, and an escrow column 1405 for receiving an e-mail address of a customer when an escrow payment is desired. The limit of the loan amount may be set within the maximum limit of the customer, or a lower limit and / or an upper limit may be set according to the item value and the item value within the maximum limit. In FIG. 14, a plurality of loan amounts that can be selected are exemplified as a predetermined amount, but the loan amount selection method may be modified in various forms such as directly inputting a loan amount according to an item value within a maximum limit.

After the loan amount procedure is performed in step 547 as described above, in step 549 to step 559, the customer's purchase loan usage procedure is performed. In step 547, the purchase loan usage request message transmitted from the customer terminal 100 to the credit institution server 400 via the merchant server 200 and the payment agent server 300 is displayed in step 547. Loan amount selection information selected / entered through is included. Here, the credit institution server 400 checks whether the loan amount selected by the customer is within the limit based on the loan amount selection information, and if it is within the limit, generates and transmits a purchase theory use response message indicating that the loan is approved.

Thereafter, the merchant server 200 processes the purchase goods according to a general electronic commerce method, and registers the delivery information with the payment agent server 300 in step 561. And in step 555, the credit institution server 400 that transmits the purchase loan usage response to approve the purchase loan generation to the payment agency server 300, after the purchase loan generation according to steps 549 to 559 is generated, is settled according to step 563 at a predetermined time point. The payment server 300 performs the goods payment processing, and in step 565, the payment agency server 300 performs the goods payment processing with the affiliate server 200. In FIG. 5B, after the delivery registration in step 561, payment of the goods is performed according to the steps 563 to 567, but payment processing of the goods may be performed before the delivery registration according to the delivery delay. In addition, in step 567, the credit institution server 400 performs payment processing of the remaining loans with the bank server 700 so that the remaining loans deducted from the selected loan amount are paid to the authenticated bank account of the customer.

The fee settlement procedure may be performed between the merchant, the settlement agency and the credit institution within the loan amount when the payment for the goods and the remaining loan, but this is irrelevant to the gist of the present invention will be omitted.

The procedures of FIGS. 5A and 5B describe the procedures assuming the use of purchasing theory and a commodity transaction. Hereinafter, a procedure of the present invention will be described in case of cancellation of purchase theory and cancellation of goods transaction. The procedural cancellation procedure is divided into three cases depending on when the cancellation procedure was performed. The actual purchase theory is generated in steps 549 to 559 of FIG. 5B, and the cancellation procedure of the purchase theory also varies according to before and after occurrence of the purchase loan and before and after delivery of the goods. In the following embodiment of the cancellation procedure Figure 6 shows a cancellation procedure performed before the occurrence of the purchase theory, Figures 7 and 8 show a cancellation procedure performed before the delivery of goods after the occurrence of the purchase theory, Figures 9 and 10 It shows the cancellation procedure performed after both the purchase theory and the delivery of goods.

First, FIG. 6 is a flowchart illustrating an example of a cancellation procedure before generation of a purchase theory in the electronic commerce method according to an embodiment of the present invention. The cancellation procedure of FIG. 6 is a request for a purchase theory inquiry from step 503 of FIG. 5A, and FIG. 5B. In step 549, it can be applied until a request for purchasing loan is used.

Referring to FIG. 6, in step 601 to step 605, a purchase loan cancellation request is transmitted from the customer terminal 100 to the credit institution server 400 via the affiliate server 200 and the payment agent server 300. In step 611, the purchase loan cancellation response is transmitted from the credit institution server 400 via the payment agency server 300 and the affiliate server 200.

FIG. 7 is a flowchart illustrating an example of a transaction canceling procedure before delivery after using the purchase loan in the electronic commerce method according to an embodiment of the present invention. The cancellation procedure of FIG. 7 is performed after the request to use the purchase loan in step 549 of FIG. 5B. Applicable, and the process of refunding goods to the customer's bank account upon transaction cancellation.

Referring to FIG. 7, in operation 701, the payment agent server 300 transmits an order confirmation message including the order of goods according to the use of a purchase loan to the customer terminal 100. When the customer who checks the item order history after the cancellation of the goods transaction in step 703, 705 transaction cancellation message transmitted from the customer terminal 100 is transmitted to the payment agent server 300 via the affiliated store server (200). Subsequently, in step 707, the payment agency server 300 inquires the customer's account (hereinafter, referred to as a "refund account") that the goods price is refunded according to the transaction cancellation to the credit institution server 400, and in step 709 the credit institution server 400 ) Responds to the customer's bank account with a refund account. In this case, it is assumed that the payment agency server 300 receives the goods price according to the goods payment processing of step 563 in FIG. 5B. Thereafter, in step 711, the payment agent server 400 refunds the goods price to the bank server 700 in which the customer's bank account is opened.

FIG. 8 is a flowchart illustrating another example of a transaction cancellation procedure before delivery after use of a purchase theory in an electronic commerce method according to an embodiment of the present invention. The cancellation procedure of FIG. 8 may be applied at the same time as that of FIG. As a result, the procedure for early repayment of the price of the goods to the credit institution is shown. Referring to FIG. 8, operations of steps 801 to 805 for receiving a transaction cancellation after transmitting the item order information to the customer terminal 801 are the same as the operations of steps 701 to 705 of FIG. 7. In this case, it is assumed that the payment agency server 300 receives the goods price according to the goods payment processing of step 563 in FIG. 5B. Thereafter, the payment agency server 300 processes the goods to be repaid early to the credit institution server 400 in step 807.

FIG. 9 is a flowchart illustrating an example of a transaction cancellation procedure after using the purchase theory and delivery in an electronic commerce method according to an embodiment of the present invention. The cancellation procedure of FIG. 9 may be applied after the shipping registration is performed in step 561 of FIG. 5B. In addition, the transaction is refunded to the customer's bank account when the transaction is cancelled.

Referring to FIG. 9, the affiliated store server 200 processes a purchase item according to a general electronic commerce method, and registers the delivery information in the payment agent server 300 in step 901. Operation 901 corresponds to operation 561 of FIG. 5B. Then, in step 903, the payment agent server 300 transmits a delivery confirmation message indicating that the delivery of the purchased item is made to the customer terminal 100. When the customer who checks the goods delivery history cancels the goods transaction in step 905, the payment agent server 300 receives a transaction cancellation message from the customer terminal 100, and in step 907, cancels the goods transaction to the merchant server 200. Inform them that payment for the goods has been withheld. In step 909, the merchant server 909 transmits a transaction cancellation request message to the payment agent server 300 together with the return confirmation information when the customer returns the goods, and the payment agent server 300 performs the merchant server 200 in step 911. Send a log cancel response message.

Subsequently, in steps 913 to 917, the payment agency server 300 searches for a refund account of the customer whose goods price is refunded according to the cancellation of the transaction, and refunds the goods price to the refund account in steps 707 to 711 of FIG. 7. Since the operation of the step is the same, a detailed description thereof will be omitted.

FIG. 10 is a flowchart illustrating another example of a transaction cancellation procedure after using the purchase theory and delivery in an electronic commerce method according to an embodiment of the present invention. The cancellation procedure of FIG. 10 may be applied at the same time as that of FIG. It shows the process of early repayment of the goods to the credit institution.

Referring to FIG. 10, after the delivery registration in steps 1001 to 1011, the return confirmation according to the payment of the goods and the cancellation of the transaction are performed, the same as the operations of steps 901 to 911 of FIG. 9, where the payment agency server In operation 563 of FIG. 5B, it is assumed that the item price is paid according to the item price payment process. Thereafter, the payment agent server 300 processes the goods to be repaid early to the credit institution server 400 in step 1013.

1 is a block diagram showing the configuration of an e-commerce system for providing an instant purchase theory service according to an embodiment of the present invention;

2 is a block diagram showing the configuration of a payment agency server 300 in FIG.

3 is a block diagram functionally showing the configuration of the control unit 350 in FIG.

4A and 4B are flowcharts illustrating an operation of a payment agency server 300 that provides an instant purchase loan service according to an embodiment of the present invention.

5A and 5B are flowcharts illustrating a procedure of an electronic commerce method for providing an immediate purchase theory service according to an embodiment of the present invention;

6 is a flowchart illustrating an example of a cancellation procedure before generation of a purchase theory in an electronic commerce method according to an embodiment of the present invention;

7 is a flowchart illustrating an example of a transaction cancellation procedure before delivery after using a purchase theory in an electronic commerce method according to an embodiment of the present invention;

8 is a flow chart showing another example of a transaction cancellation procedure before delivery after using the purchase theory in an electronic commerce method according to an embodiment of the present invention;

9 is a flowchart illustrating an example of a transaction cancellation procedure after using a purchase loan and delivery in an electronic commerce method according to an embodiment of the present invention;

10 is a flowchart illustrating another example of a transaction cancellation procedure after using a purchase loan and delivery in an electronic commerce method according to an embodiment of the present invention;

11 to 14 are views illustrating an example of a screen interface provided to a customer terminal in connection with the use of purchasing theory in an electronic commerce method according to an embodiment of the present invention.

Claims (25)

In an electronic commerce system using a credit settlement method, A merchant server for internet-based electronic commerce; A customer terminal for using the electronic commerce by communicating with the affiliated store server through the Internet; At least one of customer identification, account authentication, and credit check between the customer terminal, the merchant server, and the financial network to provide a purchase loan service using an online credit loan as a payment method of goods in the electronic commerce and the purchase loan service. A payment agent server which relays transmission and reception of messages for use request and processes the goods price to be paid to an account of a corresponding merchant; And Transmitting and receiving the messages with the payment agent server, the payment of the goods in the loan amount according to the purchase theory service is processed to be paid to the account of the merchant through the payment agency server, and subtracted the goods price from the loan amount At least one server in the financial network for processing the remaining loan to be paid to the customer's authenticated account. The method of claim 1, The payment agency server is further configured to send a message containing the loan amount limit information for selecting the loan amount in response to the credit inquiry to the customer terminal. The method of claim 2, The customer terminal transmits a message including the loan amount selection information selected on the basis of the loan amount limit information to the payment agency server when the purchase loan service is used. The method according to claim 1 or 2, The limit of the loan amount is determined within the maximum limit according to the credit inquiry, the loan amount is determined by a plurality of amounts selectable between the maximum limit and the price of the article. The method of claim 1, The affiliated store server provides a screen interface for selecting the purchase loan service as a payment method for the goods, and relays transmission and reception of messages for requesting the use of the purchase loan service between the customer terminal and the payment agent server. Electronic commerce system comprising a module. The method of claim 1, The payment agent server is further configured to control the transmission and reception of the request / response message for at least one of the identity verification, the account authentication and the credit inquiry between the customer terminal and the financial network. The method of claim 1, When the payment agent server receives a transaction cancellation request of the electronic commerce from at least one of the client terminal and the affiliated server after the loan amount according to the purchase loan service is generated, transfer the price of the goods to the authenticated account of the customer. An e-commerce system further configured to process a refund. The method of claim 1, The settlement agent server is further configured to prepay the goods price when the transaction cancellation request of the electronic commerce from at least one of the customer terminal and the merchant server after the loan amount according to the purchase theory service is generated. Party commerce system. The method of claim 1, At least one server of the financial network comprises a credit institution server for providing the purchase theory service by transmitting and receiving messages for the use of the purchase agent service and the payment agent server. In the electronic commerce method for performing a credit payment between the customer terminal and the merchant server that can be connected to the communication network through the financial network, Providing to the customer terminal at least one selectable payment method including a purchase loan service using an online credit loan as a payment method for purchasing an item in an electronic commerce operated through the affiliate server; Processing, by the payment agency server, at least one of customer identification, account authentication, and credit inquiry through the financial network to determine a loan limit of the customer when the purchase loan service is selected as the payment method; And The purchase loan usage request message transmitted from the customer terminal is transmitted to the financial network, and the payment of the goods from the loan amount according to the determined loan limit is processed through the payment agency server to the account of the corresponding merchant, and the loan amount And disbursing the remaining loan, which has been deducted from the goods, through the financial network to the authenticated account of the customer. 11. The method of claim 10, The processing may further include transmitting, by the payment agent server, a message including loan amount limit information for selecting the loan amount in response to the credit inquiry to the customer terminal. The method of claim 11, The payment processing may include receiving, by the payment agent server, the purchase loan usage request message including the loan amount selection information selected based on the loan amount limit information from the customer terminal and transmitting the received loan request message to the financial network. Commerce method. The method of claim 10 or 11, The limit of the loan amount is determined within the maximum limit according to the credit inquiry, the loan amount is determined by a plurality of amounts selectable between the maximum limit and the price of the article. The method of claim 11, After the loan amount according to the purchase theory service is generated, when there is a request for canceling the transaction of the e-commerce from at least one of the client terminal and the affiliated server, the payment agent server pays the goods price through the financial network. E-commerce method further comprising the process of refunding to the verified account of the. The method of claim 11, After a loan amount according to the purchase theory service is generated, when there is a request for canceling a transaction of the e-commerce from at least one of the client terminal and the affiliated server, the payment agent server repays the goods price early through the financial network. E-commerce method further comprising the process of processing. Claims [1] A payment agent server device for performing credit settlement in an e-commerce system including a customer terminal and a merchant server using internet-based e-commerce through a financial network. A communication interface for communicating with the financial network, the customer terminal, and the affiliated store server; A database storing transaction details of a purchase loan service using an online credit loan as a payment method of goods in the electronic commerce; And Relays transmission and reception of messages for requesting the use of the purchase loan service and at least one of a customer identification, an account authentication, and a credit inquiry between the customer terminal, the merchant server, and the financial network to provide the purchase loan service; When the loan limit of the customer is determined through the financial network according to the processing result of at least one of account authentication and credit inquiry, the use request message of the purchase theory service is received from the customer terminal and transmitted to the financial network, and the loan limit The payment agent server device in the electronic commerce system including a control unit for processing the payment of the goods price in the loan amount according to the merchant account. The method of claim 16, The control unit transmits a message including loan amount limit information for selecting the loan amount in response to the credit inquiry to the customer terminal, and the purchase theory service including loan amount selection information selected based on the loan amount limit information. The payment agent server device in the electronic commerce system further configured to receive a use request message from the customer terminal. The method of claim 16, And the loan amount is determined by a plurality of amounts selectable between the loan limit and the item price. The method of claim 16, The controller, after generating a loan amount according to the purchase theory service, receives a transaction cancellation request of the electronic commerce from at least one of the client terminal and the affiliate server, and authenticates the price of the customer through the financial network. Agency server device in an e-commerce system that is further configured to process a refund to a prepaid account. The method of claim 16, After the loan amount generated by the purchase loan service is generated, the controller may perform early repayment processing of the price of the item through the financial network when a request for canceling the transaction of the electronic commerce is received from at least one of the customer terminal and the affiliated server. Payment agency server device in a more configured e-commerce system. In a method for providing a purchasing theory service in a payment agency server that handles credit settlement in an electronic commerce system including a customer terminal and a merchant server using an internet-based electronic commerce through a financial network, When the procurement theory service using online credit loan is selected as the payment method for the purchase of goods in the e-commerce operated through the merchant server, at least one of customer identification, account authentication, and credit inquiry between the customer terminal and the financial network is selected. Sending and receiving messages for processing; When the loan limit of the customer is determined through the financial network according to the processing result of at least one of the identity verification, account authentication, and credit inquiry, and a request message for the purchase loan service is received from the customer terminal, the use of the purchase loan service is used. Delivering a request message to the financial network; And And a payment processing server for paying the goods paid from the financial network receiving the use request message of the purchase loan service to the account of the affiliated store. The method of claim 21, The delivery process, A message including loan amount limit information for selecting a loan amount is transmitted to the customer terminal, and a request for use of the purchase theory service including the loan amount selection information selected based on the loan amount limit information is received from the customer terminal. The method of providing a purchasing theory service in the payment agent server further comprising the step of receiving and transmitting to the financial network. The method of claim 21, And the loan amount in the purchase loan service is set by a plurality of amounts selectable between the loan limit and the item price. The method of claim 21, After the loan amount according to the purchase theory service is generated, when there is a request for canceling the transaction of the electronic commerce from at least one of the client terminal and the affiliated server, the goods price is transferred to the authenticated account of the customer through the financial network. A method of providing a purchase loan service in a payment agency server further comprising a refund processing. The method of claim 21, After the loan amount according to the purchase theory service is generated, when there is a request for canceling the transaction of the electronic commerce from at least one of the client terminal and the affiliated server, further processing the early repayment of the goods price through the financial network; How to provide procurement loan service in the billing agency server.

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