KR20110057784A - Online safety paying system possible to select a seller or purchaser and a payment ratio of a price - Google Patents

Abstract

PURPOSE: An online safety transaction system capable of selecting article price payment ratio according to credit scores is provided to prevent damage according to the overall approval of unnecessary sale by controlling a transaction process. CONSTITUTION: A selling member terminal(10) transmits a purchasing intention to a main server(100). If a sales contract is concluded, the selling member terminal transmits article price deposit information to the main server. The selling member terminal receives article deposit information from the main server. The main server includes a website(110). The main server receives selling satisfaction information.

Description

Online Safety Paying System possible to select a Seller or Purchaser and a Payment Ratio of a Price}

The present invention relates to a secure online trading system that allows the selection of the counterparty and the payment rate of goods, and can select and trade the counterparty according to the credit score of the seller and the buyer, and after confirming the purchased goods The present invention relates to an online safe trading system that can determine the payment rate of the.

Conventional e-commerce is a method in which a seller posts a product on an open market or an internet shopping mall, and a buyer selects it or purchases the product through an auction.

However, in the open market or internet shopping mall, the seller cannot select a buyer actively and enter into a sales contract, and when the buyer pays the price, the sales contract is automatically concluded. You can't prevent damage such as a refund request. In addition, buyers cannot prevent damages caused by unfavorable conditions of return of goods when there is a defect in the product, and there is an agreement procedure to actually deliver the buyer's damages in addition to the passive dissatisfaction through the review. There is a drawback to none.

On the other hand, in recent years, the type of trading is being increased in the form of paying the price through an escrow site after making a 1: 1 sales contract in an internet community, not a shopping mall.

However, when you make a transaction using community or group, you have to go through payment agency (escrow company) for safe payment. In case of payment agency, you need to pay a certain fee to provide service. As such, there is a problem in that the buying and selling creditability of the trading party cannot be grasped, and thus the reliability of the trading process is low. In other words, the evaluation of each member in the transaction process, such as delayed delivery for sellers, unreasonable responses to inquiries, notice of one-sided rejection, frequent cancellation of purchase decisions for purchasers, and requests for refunds or exchanges without cause. There is a problem that the confidence of the trading party's trading is low because no is provided.

The present invention was developed in order to overcome the limitations and problems of the prior art as described above, the transaction behavior such as the previous transaction results of the counterparty, that is, cancellation of purchase decision or exchange refund and some payment information, delivery of defective goods, etc. Its purpose is to provide its own assessment, that is, credit score information, to provide a reference for the choice of trading partners.

In addition, a sales member and a purchase member do not use a separate payment agency, the purpose of using a secure transaction service in the community, such as used transaction site.

In addition, an object of the present invention is to prevent unnecessary waste of shipping charges by allowing a party to adjust the rate of payment of the deposited goods.

In order to solve the above problems, in the present invention, as a safe transaction system including a sales member terminal, a purchase member terminal, and a main server, a sales room is opened and a purchase member is selected or a purchase member is selected as a sales member from a purchase room opened by the purchase member. Send the sales intention to the main server, and when the sales contract is established and receive the payment information of the purchase member's goods, the goods delivery information is sent to the main server, and the request to cancel the sales contract or return the goods to the main server, or A sales member terminal that receives a purchase contract cancellation or return request of a purchase member from a server, and transmits a transaction satisfaction level and a reason for credit score deduction to a main server after a payment is completed; Opening a purchase room and selecting a sales member or selecting a sales member from a sales room opened by a sales member to send a purchase intention to the main server.When a sales contract is concluded, the goods payment deposit information is sent to the main server and the goods delivery information Receive from the main server, send a sale contract cancellation or return request to the main server, or receive a sale contract cancellation or goods return request from the sales member from the main server, and after the payment is completed, A sales member terminal which transmits a reason for credit credit to the main server; And a web site, receiving member information transmitted from the sales member terminal and the purchasing member terminal, storing the member information in a member information database, and requesting sales room opening request information and purchasing room opening request information from the sales member terminal and the purchasing member terminal, respectively. Receive and open a sales room or purchase room, receive the purchase member's payment information and the sales member's goods delivery information and display it on the website, receive payment approval information from the purchasing member or between the trading parties A main server that pays or refunds goods to a sales member or a purchasing member according to an agreed ratio, respectively, and updates the credit score by receiving information on the counterparty's credit score increase and decrease and transaction satisfaction; Provide a safe trading system that includes

The main server may further include a member information database configured to store member information inputted by a sales member and a purchase member at the time of membership registration from the sales member terminal and the purchase member terminal and information about members generated during a transaction; A contract information database that stores sales contract closing information, counterpart selection information, and delivery address information; A payment and delivery information database for storing goods price information, buyer's deposit information, payment method information, and seller's shipping information; A payment information database that stores information on receipt of the goods by the buyer, information on whether the payment is made, information on whether or not to make an agreement, and information on a payment rate according to the agreement; It provides a secure transaction system comprising a; credit score information database that stores the credit score according to the transaction performance or transaction attitude of the sales member and the purchase member.

In addition, when the sales member or the purchase member selects a trading partner, the main server retrieves the trading partner's contact information from the member information database and transmits the contact information to the member terminal for display by the trading partner or displays it on a website. And a contract window for the purchaser to exchange information about the goods or the price for sale, and if a contract is made, the fact that the contract is established, the information of the selected counterparties, and the shipping address information are displayed. A contract module to store in; Display the price information of goods stored in the payment and delivery information database in the sales window and the purchase window respectively, receive the payment information of the goods payment from the purchasing member terminal, and receive the goods delivery information from the sales member terminal and display it in the sales window and the purchase window. And shipping module; A payment module for paying the sales member when payment confirmation information of the goods is received from the purchase member terminal, and storing information on whether the payment is received and the purchase receipt information of the buyer in a payment information database; The credit scores are calculated and stored in the credit score information database based on the transaction behavior and attitude of the sales member and the purchasing member.If the sales member or the purchasing member requests, the credit score information of the member is retrieved from the credit score information database. It provides a secure transaction system, characterized in that it comprises a; credit score module for transmitting to the terminal or display on the Web site.

In addition, when the payment module receives the return request from the purchase member terminal, when the sales member approves the return request, the payment module requests return delivery of the goods to the purchase member through the return window and receives the item receipt information from the sales member terminal. If the sales member does not approve the return request, and the sales member does not approve the return request, the sales member receives the payment and refund rate of the goods through the agreement window, and pays or refunds the goods to the sales member and the purchasing member respectively. Provide a safe trading system.

According to the present invention, the purchaser can be selected by confirming the previous trading behavior of the counterparty, thereby increasing the satisfaction of the transaction.

In addition, since there is no issue of the burden of fees imposed double because it does not use a separate payment agency, it is possible to check the trading activity of the trading partner as well as the community participation in the community to increase the reliability of the sale.

In addition, the payment rate can be adjusted so that some payments can be made for problems that may occur during the trading process, thereby solving problems such as damage due to unnecessary approval of the entire sale and double burden of shipping charges due to the total cancellation. .

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. Prior to this, terms or words used in the present specification and claims should not be construed as being limited to the common or dictionary meanings, and the inventors should properly explain the concept of terms in order to best explain their own invention. Based on the principle that it can be defined, it should be interpreted as meaning and concept corresponding to the technical idea of the present invention.

Therefore, the embodiments described in the specification and the drawings shown in the drawings are only the most preferred embodiment of the present invention and do not represent all of the technical idea of the present invention, various modifications that can be replaced at the time of the present application It should be understood that there may be equivalents and variations.

The present invention relates to a secure online trading system that allows the selection of the counterparty and the payment rate of goods, and can select and trade the counterparty according to the credit score of the seller and the buyer, and after confirming the purchased goods The present invention relates to an online safe trading system that can determine the payment rate of the.

FIG. 1 is a diagram illustrating a configuration of a client (terminal) -server system and a component of a server operating a website for providing an online secure transaction service according to an embodiment of the present invention. In the present invention, the sales member terminal 10 and the purchase member terminal 20 is connected to the web site 110 provided in the main server 100, respectively, to establish a sales room or a purchase room on the web site 110, It also publishes information on items sold or desired to buy, and exchanges information and prices about the goods between the sales and purchasing members. In addition, the web site 110 displays a settlement window for performing a secure transaction between selected transaction parties, a sales management window, a purchase management window, and an agreement window for adjusting a payment rate of goods.

The sales member terminal 10 is a terminal of a person who sells goods by accessing the web site 110 provided and operated in the main server 100, and is a computer, a PDA, a mobile phone, and the like.

The purchase member terminal 20 is also a terminal of a person who purchases goods by accessing the web site 110 provided and operated in the main server 100, and is a computer, a PDA, a mobile phone, and the like.

In addition to the web site 110, the main server 100 is a member information database 210, contract information database 220, payment and delivery information database 230, payment information database 240, credit score information database 250.

The member information database 210 stores member information input by members of the web site 110 including a sales member and a purchase member at the time of membership registration, and information about members generated during a transaction.

The contract information database 220 stores sales contract closing information, trading partner selection information, and shipping address information.

The payment and delivery information database 230 stores the price information of the goods, the payment information of the buyer, payment method information, the seller shipping information.

The payment information database 240 stores information on receipt of goods by the purchaser, information on whether the payment is made, information on whether or not to reach an agreement, and information on a payment rate according to the agreement.

The credit score information database 250 stores a credit score according to the transaction performance of each member.

The main server 100 includes a contract module 120, a payment and delivery module 130, a payment module 140, and a credit score module 150 in addition to the web site 110 and a database.

The contract module 120, when a sales member or a purchase member selects a counterpart, retrieves a counterpart's contact information from the member information database 210 and transmits the contact information to a member terminal for viewing by the trading party or the web site 110. Display on. In addition, it displays a contract window where sales members and purchasing members can exchange information about the goods or items for sale and opinions on prices.If a sales contract is established, the fact that the contract is established, information of the selected counterparties, shipping address information To the transaction information database. The shipping address information is a shipping address, a recipient's name, a recipient's contact information, a desired delivery company, and the like.

The payment and delivery module 130 displays the goods price information stored in the payment and delivery information database 230 in the sales window and the purchase window, respectively, and when the purchase member deposits the goods price, the sales window and the purchase window are respectively displayed. To be identified by both sales and purchasing members. In addition, when receiving the delivery address and delivery company information on the delivery of goods from the sales member terminal 10, and displays them in the sales window and the purchase window, respectively, in conjunction with the delivery company's website 110 to determine the delivery location of the goods in real time It is desirable to be able to track it. The payment and delivery module 130 stores the purchaser's deposit information, payment method information, and seller's shipping information in the payment and delivery information database 230.

The payment module 140 pays the sales member when the receipt confirmation information of the goods is received from the purchase member terminal 20. At this time, if the goods received by the purchase member is consistent with the contract contents agreed with the seller, the purchase member requests payment, and the purchase price is paid to the sale member, thereby ending the sale. However, at the request of a purchasing member or sales member, a refund request, a cancellation of a sale, a cancellation of a purchase, or a partial payment request can be made. The payment module pays or refunds the purchase price to the sales member or the purchase member according to the payment rate of the settlement information, and stores information on whether the payment is made and confirmation of receipt of the goods by the buyer in the payment information database 240.

The payment rate is determined by the agreement between the sales member and the purchasing member. When the purchasing member requests the full payment of the price of the product after receiving the goods, the total payment of the goods is paid to the sales member and the sale is terminated. However, if there is a case in which there is an error in the goods or a case of canceling a sale or requesting a refund due to unavoidable reasons, the payment module 140 receives the above request from each member's terminal, and the agreement window Is displayed. When the payment or refund rate of the goods paid between the sales member and the purchase member is determined through the agreement window, the payment module 140 pays or refunds each of the agreed rates of the goods to each member and agrees. If the information on whether or not, the payment ratio according to the agreement, the total price of the goods is not paid to the sales member, the reason and all the information generated in the settlement process is stored in the payment information database 240.

The credit score module 150 calculates a credit score according to the transaction behavior and attitude of the sales member and the purchase member, and stores the credit score in the credit score information database 250. The credit score may be calculated by scoring the number of reasons for establishing a sales contract, the number of completed sales contracts, and the reason for each member's contract, and calculating the total credit score.

In addition, when a sales member or a purchasing member requests credit score information of a purchase application member or a sales application member to select a counterparty, the credit member information of the member is retrieved from the credit score information database 250 to the terminal of the requested member. Send or display on web site 110.

2 is a flow chart illustrating a goods sale process according to an embodiment of the present invention. The sales member opens a sales room to be posted on the web site 110. (S210) The opened sales room is given a unique number, and the web site 110 operator pays the sales room opening service for a fee. The web site 110 may be operated to allow opening of the room, or to open a sales room by deducting points available on the web site 110.

When the sales member inputs and posts information on the goods in the opened sales room (S215), the information of the goods (price, delivery cost, quantity of goods, goods status, etc.), the sales member's ID, and the sales member's credit score Etc. are posted.

Other members who have viewed the sales room may express their intention to purchase or comment on the goods freely through comments. (S220) Members who want to purchase through the comments posted in this way may obtain more detailed information about the goods. In addition, the sales member can also leave a comment, so that it is possible to bargain between the sales member and the purchase member and to answer questions about the sales item through the comment.

A sales member is one purchase member as a counterparty to a trading transaction based on his / her communication with the members who left the comment indicating their intention to purchase and their purchase credit scores and the opinions of the member and other members who have previously traded. Select to display the sales intention and enter into a sales contract. (S225) When the sales contract is concluded, the contract module 120 calls the trading partner's contact and address information from the member information database 210 to sell the transaction party. The information is transmitted to each member terminal or displayed on the web site 110 so that the member and the selected purchase member can check the information (S230), and store the information in the contract information database 220.

As described above, when a sale contract is established between the sales member and the purchase member, the payment and delivery module 130 displays a purchase window to the purchase member and displays a payment page through the purchase window. The payment page includes information about the price of the goods and the deposit account, etc. The deposit account is an account operated by the website 110 and the price of the goods until the payment of the goods to each member at the completion of the sale or payment of the goods It serves to deposit money.

When the purchase member who is one of the goods sale contract deposits the goods price into the deposit account (S235), the payment and delivery module 130 checks the deposited money and stores the payment contents in the payment and delivery information database 230. In addition, the sales member notifies that the deposit is completed on the web site 110 or transmits the sales member terminal 10 to request the delivery of the goods and stores the contents in the payment and delivery information database 230.

After the sales member confirms the delivery request of the payment and delivery module 130 and delivers the goods, the sales member inputs the delivery company and the waybill number into the sales window so that the purchase member can check the delivery information (S240).

After the purchase member receives the goods, if the goods match the contents of the sales contract, the receipt is confirmed through the purchase window, otherwise, the product is requested to be returned (S245).

When the purchasing member confirms receipt of the goods, the contract module 120 notifies the purchasing member, the sales member, and the website 110 operator that the contract has been fulfilled, respectively, and the payment module 140 registers the account registered by the sales member. Pay for the goods and save the details in the payment information database 240. At this time, according to the selection of the sales member, part or all of the price of the goods can be paid to the points available on the website 110, and can be used for the purpose of opening a sales room later.

When the purchase member requests the return of the goods, if the sales member approves the return request (S270), the payment module 140 displays the return window, requests the purchase member to return the goods (S275), and sells the product. When the member receives the goods (S280), the purchaser refunds the goods paid for (S285).

If the purchase member does not approve the return request for the purchase member's return of goods, the payment module 140 displays an agreement window (S400). Purchasing and sales members determine the rate of payment and refund of goods.

In the above description, a case in which a sales member opens a sales room and selects a purchase member to proceed with a sale is described above, but as illustrated in FIG. 3, a purchase member opens a purchase room and selects a sales member to proceed with a sale. Of course it can.

When the goods are paid or refunded through the payment module 140 and the transaction is completed, the credit score module 150 provides the purchasing member and the selling member who are the trading parties with respect to the trading attitude or the credit of the counterpart member, respectively. Displays an evaluation window for evaluation. The purchase member and the sales member input the transaction satisfaction level for the counterpart member through the evaluation window. (S255) In addition, the credit score module 150 uses the web site 110 based on the transaction satisfaction level generated by the members and events occurring in the transaction. Credit points are assigned according to the criteria set by the operator (S260) and stored in the credit score information database 250 (S265).

FIG. 4 is a schematic flowchart showing a process of creating an agreement by drawing up an agreement when a purchasing member requests a return and the sales member does not approve it. As shown in the flowchart, when a purchase member who requests a return or a sales member who approves the return forms an agreement through the agreement window, the payment module 140 transmits it to the terminal of the other member or displays it on the website 110 to display the other member. (S410) If the other member who reads the agreement agrees (S415), it checks whether or not delivery is necessary for return (S418), and delivers the product to the sales member (S425). ) If the other member who viewed the agreement does not agree with the contents of the written agreement (S415), the agreement is modified or rewritten and the payment module 140 transmits it to the other member's terminal or the web site 110. Display it on the other side so that the other member can view it. (S420) After the agreement is written, the other side confirms the consent of the other side. To modify or re-create the agreement and the final agreement can be derived by repeating the process of confirming the agreement of the other members again.

For example, when one party of the transaction prepares an agreement as shown in FIG. 5A, the payment module 140 transmits it to the other member as shown in FIG. 5B or displays it on the web site 110 for viewing by the other member. The other member may express consent or disagreement with the written agreement. In this case, as shown in FIGS. 5C and 5D, an agreement for split payment may be prepared and the other member's intentions may be confirmed. If the other member disagrees, the other member may also write (rewrite) or agree to the agreement. You can modify the content.

As described above, when the agreement is derived and, if necessary, the delivery of the goods is completed, the payment module 140 pays or refunds the purchase member or the sales member, respectively, according to the payment ratio and the refund ratio, which are the contents of the agreement. S430)

The web site 110 of the present invention gives a basic transaction credit score, for example, 100 points at the time of membership registration, and updates the credit score according to the evaluation of the counterparty member every transaction.

The evaluation is performed for the purchase member in the case of the sales member, and for the sales member in the case of the purchase member. When the reason for evaluation is written through the evaluation window of the credit score module 150, the credit score is added or decreased according to the reason. do. In other words, if the sales window writes down the reason why some payment or refund occurred due to improper trading, or when the purchase member's receipt confirmation is delayed during the transaction, the credit score will be added or deducted collectively. Alternatively, the weight may be reflected according to the member's previous credit score and transaction attitude and the frequency of the occurrence. For example, if a sales member selects a purchasing member and the purchasing member cancels the contract before the goods payment is made after the contract is concluded, the sales member checks or writes the reason through the evaluation window, and the purchasing member's credit score -7 is added to the total score to deduct 7 points. In addition, in the case of canceling the contract for the purchase member's reasons after the payment of the goods by the purchasing member, the three points will be deducted if the sales member's consent is not obtained, and 10 points will be deducted without the sales member's consent. In addition, if the purchasing member wishes to return without confirming receipt of the goods, the purchasing member applies for return with the reason for the returning party and if the sales member agrees, three points are deducted from the purchasing member's credit score.

Conversely, if the purchasing member evaluates the credit score of the sales member, if the sales member cancels the contract prior to the payment of goods, seven points are subtracted, and the sales member contracts before delivery of the goods after the payment of the goods of the purchasing member. In case of cancellation, 3 points will be deducted from the purchaser's consent and 10 points will be deducted without the purchaser's consent. In addition, if the purchasing member wishes to return without confirming the receipt of the goods, the purchasing member applies for return with the reason for the returning party and if the sales member agrees, the credit is deducted from the selling member's credit score by 3 points. .

In the above, an example of calculating the credit score of each member based on the counterpart member's evaluation of the trading attitude of the counterpart member through the evaluation window has been described. Depending on whether or not to give a weight can be variously selected.

6 illustrates an example of a transaction satisfaction evaluation window in which a purchase member evaluates a sales member who is a counterpart of a transaction, and the number and score of the selected terms may be changed according to the policy of the web site 110 operator.

The illustrated transaction satisfaction evaluation window is created by a purchase member in online merchandise trading, and the credit score of the sales member who is a trading partner is added or subtracted according to the contents of the purchase. The sales member can also evaluate the transaction satisfaction for the purchasing member in the above manner.

The transaction satisfaction rating affects the credit score of the counterparty member as well as the credit score deduction, and the credit score module 150 is a credit score deduction which is an evaluation of the transaction satisfaction evaluation made by members and events occurring in the transaction. Based on the criteria determined by the operator of the website 110, the credit score is set and stored in the credit score information database 250 to complete the sale of goods.

FIG. 1 is a diagram illustrating a configuration of a client (terminal) -server system and a server constituent element that operate a website for providing an online secure transaction service according to an embodiment of the present invention.

Figure 2 is a flow chart showing the goods sale process when the sales room is opened in accordance with an embodiment of the present invention.

Figure 3 is a flow chart illustrating the goods sale process when the purchase room is opened in accordance with an embodiment of the present invention.

4 is a schematic flowchart illustrating a process of creating an agreement by drawing up an agreement when a purchasing member requests a return and the sales member does not approve it.

5A and 5B show an example of a page and an agreement page in which an agreement is written in an agreement window, and FIGS. 5C and 5D correspond to FIGS. 5A and 5B, respectively, and show a case of divided payment.

6 is a diagram illustrating an example of a transaction satisfaction evaluation window in which a purchase member evaluates a sales member who is a trading partner.

Claims (4)

As a safe transaction system including a sales member terminal 10, a purchase member terminal 20, the main server 100, When a sales room is opened and a purchase member is selected or a purchase member is selected as a sales member, the sales intention is transmitted to the main server 100, and a sales contract is established and the purchase price of the purchase member is received. Send the goods delivery information to the main server 100, send a request to cancel the sale contract or return the goods to the main server 100 or receives a purchase contract cancellation or return request of the purchase member from the main server 100, A sales member terminal 10 which transmits, to the main server 100, transaction satisfaction and credit score deceleration reasons of the purchase member who is a counterparty member after the payment is completed; Opening a purchase room and selecting a sales member or selecting a sales member from a sales room opened by the sales member to send a purchase intention to the main server 100, and when a sales contract is established, the information on the payment of goods, the main server 100 And to receive the goods delivery information from the main server 100, to send or cancel the sale contract or return request to the main server 100 or to receive the sale contract cancellation or goods return request of the sales member from the main server 100, After the payment is completed, the sales member terminal 10 for transmitting the transaction satisfaction and credit score deduction reason of the sales member who is a counterparty member to the main server 100; Web site 110, and receives the member information transmitted from the sales member terminal 10 and the purchase member terminal 20 and stored in the member information database 210, and the sales member terminal 10 and Receives sales room establishment request information and purchase room establishment request information from the purchase member terminal 20 to open a sales room or a purchase room, and receives the purchase price of the purchase member's goods and the shipping information of the sales member's website. Display on 110, receive payment authorization information from the purchasing member or pay or refund the merchandise to the sales member or purchasing member, respectively, at a rate agreed between the trading parties, and credit the counterparty's credit score to the trading party. Safety information including; main server (100) for receiving information on the deduction and information on the transaction satisfaction to update the credit score Future systems. The method of claim 1, The main server 100 is A member information database 210 for storing the member information input by the sales member and the purchase member at the time of joining the member and the members generated during the transaction from the sales member terminal 10 and the purchase member terminal 20; A contract information database 220 in which sales contract closing information, trading partner selection information, and shipping address information are stored; A payment and delivery information database 230 in which goods price information, buyer's deposit information, payment method information, and seller's shipping information are stored; A payment information database 240 for storing information on receipt of the goods by the buyer, information on whether the payment is made, information on whether or not the settlement is completed, and information on a payment rate according to the agreement; And a credit score information database (250) for storing a credit score according to the transaction performance or the trading attitude of the sales member and the purchase member. The method of claim 2, The main server 100 is When a sales member or a purchasing member selects a trading partner, the contact information of the trading partner is retrieved from the member information database 210 and transmitted to a member terminal or displayed on the website 110 for viewing by the trading partner. And a contract window for the purchaser to exchange information about the goods or the price for sale, and if a contract is made, the fact that the contract is established, the information of the selected counterparties, and the shipping address information are displayed. Contract module 120 to store in; Display the goods price information stored in the payment and delivery information database 230 in the sales window and the purchase window, respectively, receives the goods payment information from the purchase member terminal 20 and receives the goods delivery information from the sales member terminal 10. A payment and delivery module 130 for displaying in the sales window and the purchase window; When the receipt confirmation information of the goods is received from the purchase member terminal 20, the payment is paid to the sales member, the payment information storing the payment information, the purchase receipt confirmation information of the buyer in the payment information database 240 Module 140; The credit scores are calculated and stored in the credit score information database 250 according to the transaction behavior and attitude of the sales member and the purchase member. And a credit score module (150) for retrieving the information and sending it to the terminal of the requesting member or displaying it on the web site (110). The method of claim 3, The payment module 140 is When receiving the return request from the purchase member terminal 20, if the sales member approves the return request, requesting the return shipping of the goods to the purchase member through the return window, and receives the goods receipt information from the sales member terminal 10 Refund the purchase to the buyer If the sales member does not approve the return request, the secure transaction system receives payment and refund rates of the goods price through the agreement window, and pays or refunds the goods price to the sales member and the purchasing member, respectively.

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