KR20150120886A - E-commerce system and method for prepaying the price of goods before delivering goods to orderers - Google Patents

E-commerce system and method for prepaying the price of goods before delivering goods to orderers Download PDF

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KR20150120886A
KR20150120886A KR1020150055261A KR20150055261A KR20150120886A KR 20150120886 A KR20150120886 A KR 20150120886A KR 1020150055261 A KR1020150055261 A KR 1020150055261A KR 20150055261 A KR20150055261 A KR 20150055261A KR 20150120886 A KR20150120886 A KR 20150120886A
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server
payment
commodity
shopping mall
financial institution
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KR1020150055261A
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Korean (ko)
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최재규
현복수
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최재규
현복수
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/28—Pre-payment schemes, e.g. "pay before"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/24—Credit schemes, i.e. "pay after"
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/02—Banking, e.g. interest calculation or account maintenance
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
    • G06Q40/08—Insurance

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  • Engineering & Computer Science (AREA)
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  • General Business, Economics & Management (AREA)
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  • Technology Law (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

The present invention relates to an e-commerce system and a method with advanced payment for a product. When a purchaser terminal selects a product of an entry product supplier and/or a seller by accessing an Internet shopping mall server and apply for a purchase by inputting deferred payment information such as credit card numbers, the Internet shopping mall server or a credit card payment management server of a credit card payment gateway company contracted with a credit card company or another deferred payment management server approves the deferred payment for the product and then the Internet shopping mall server approves the application for the purchase. The Internet shopping mall server or deferred payment management server requests advanced payment for the product with or without issuing sale credit for a contracted financial institution server online, and the contracted financial institution server makes the advanced payment to a payment account, linked with the seller terminal and/or entry product supplier terminal, by proxy with or without the sale credit as a security. Therefore, the problem is that the entry product supplier and/or seller collects the paid money for the product through an open market provider or P.G, VAN business operator 15-20 days after the purchaser makes a notification about the completion of the delivery of the product but the problem is solved so products are smoothly supplied to the product supplier or seller and the burden of financial interest is reduced.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce system and method for prepaid goods,

The present invention relates to an electronic commerce system and method for paying a commodity price traded on-line (Internet or other information communication network, hereinafter referred to as the Internet), and more particularly, If the user selects one of the goods suppliers and / or sellers by accessing the Internet shopping mall server communicating with the seller terminal, and enters the purchase charge post-payment information to purchase, the Internet shopping mall server or the credit card The credit card payment management server of the credit card settlement company contracted with the company approves the postpayment of the purchase price, the internet shopping mall server approves the purchase offer, and the Internet shopping mall server or the credit card payment management server is approved Commodity price or sales to contract financial institution server based on subscription And the contract financial institution server transmits the merchandise receipt of the Internet shopping mall server or credit card payment management server as collateral or as collateral by the receivables, And an electronic commerce system and method for online payment of a commodity price prepayment to a vendor terminal connection settlement account.

The popularization of information and communication networks such as the Internet has led to fundamental changes and innovations in our everyday lives. Small businesses have opened Internet-based shopping malls for a small fee, and their products are accessible to a large number of potential customers in a short time and at low prices. It will. As a result, there is little time and space restriction for purchasing goods compared to conventional offline shopping, and it is possible to make decisions for purchasing high quality goods through various information, With convenience, innovative changes are taking place in our consumer lives.

Patent Document 1 discloses an electronic commerce method performed by using an electronic commerce system in which a plurality of merchant terminals and a plurality of purchaser terminals are connected to an operation server providing a cyber shopping mall capable of searching for and ordering goods, Registering information of each merchant including code in the operating server; (b) registering deliverable goods information of each merchant to the operation server; Connecting the purchaser terminal to the cyber shopping mall; (d) the operating server obtaining the buyer's region code; (e) a buyer selecting a desired commodity from a commodity list provided by the operation server; (f) extracting a registered product of an affiliate shop matching the buyer area code with reference to the area code matching table; And (g) displaying the registered merchandise extracted from the operation server in the purchaser terminal by linking information of the merchant to the operating server. In the electronic commerce of Patent Document 1, a purchaser requests an order for a registered product of an affiliate shop on the side of an operating server; Requesting settlement of an ordered product to the buyer terminal by the operation server; Payment by the buyer to the payment server directly provided to the operator side or the third payment server side; The payment server sending a payment authorization to the operational server; The operation server transmitting a delivery command to the merchant terminal; Delivering the ordered product to the purchaser; Receiving a delivery confirmation from the buyer terminal; Finally, the merchant terminal transmits the delivery confirmation to the operation server side. In addition to performing the settlement with the operation server as described above, the merchant terminal can directly pay the merchant through the local merchant But also various conventional payment methods can be selected.

In the case of Patent Document 1, after the payment server sends a settlement approval to the operation server by paying the payment to the payment server directly provided to the operator side or the third payment server side, the operation server transmits a delivery instruction to the merchant terminal Thus, the buyer can receive the goods only after the payment is made.

Patent Document 2 discloses an electronic commerce shopping mall server system connected to each other via a communication network capable of bidirectional communication, at least one buyer terminal, a settlement agent system for managing settlement and commodity money, The method according to claim 1, wherein the at least one purchaser terminal accesses the shopping mall server system to purchase a product. A payment step for purchasing the product through a payment agent system; Transmitting information on the purchase and information on settlement to the shopping mall server system; The shopping mall server system transmitting the article dispatch request information about the purchase to the carrier system; A buyer who has received the goods through the carrier system transmits completion of goods receipt and approval of payment or return of goods to the payment agent system; Wherein the settlement agency system determines that the delivery is completed by matching the delivery information with the purchase information; Wherein the settlement agency system further comprises the step of remitting the commodity except for the commission to one of the shopping mall and the supplier providing the commodity to the shopping mall after confirming that the payment has been completed by the settlement agency system. To protect e-commerce transactions.

In the case of Patent Document 2, after the step of confirming that the delivery is completed, the payment agency system sends the goods price except the fee to the shopping mall and the supplier who supplies the goods to the shopping mall. There is a problem that the receipt of the delivery price is not stable because the receipt date of the commodity price depends on the operation state.

Korea Patent Registration Bulletin (B1) No. (Publication Date: 2008. 06. 17.) Korean Unexamined Patent Publication (A) (Published on Jan. 06, 2011)

It is an object of the present invention to provide an e-commerce system capable of stably receiving advance payment of a commodity price or a payout price regardless of whether or not a buyer has paid for a purchase commodity, And a method thereof.

It is another object of the present invention to provide an electronic commerce system and a method capable of operating an Internet shopping mall at a minimum cost without an Internet shopping mall operator or an Internet shopping mall selling agent purchasing and securing goods directly.

It is an object of the present invention to provide a system and a method for providing an online shopping mall server, an online shopping mall server, and an online shopping mall server, each having at least one dwelling merchant terminal and / or dealer terminal, An electronic commerce system including a server of a card company and a credit card billing management server or a commodity price post-payment management server of a payment gateway company capable of communicating with the Internet shopping mall server, a purchaser terminal and a financial institution server, A commercial receivable corresponding to the commodity delivery price or commodity sales price (predetermined prepayment interest, internet shopping mall fee and / or credit card fee deductible, same hereinafter) using the commerce system, To a financial institution server online or offline (Hereinafter collectively referred to as "commodity price") without the issuance or issuance of the commodity, and the financial institution server transmits the receipt of the commodity to the commodity supplier or the seller terminal And the electronic commerce method for performing prepayment of the commodity price to the linked settlement account of the customer.

 The electronic commerce method for pre-paying the commodity price of the present invention includes concretely, each of at least one commodity supplier or dealer terminal, an internet shopping mall server communicating with a plurality of vendors and / or dealer terminals opened with an open market platform , A credit card company server and a credit card billing management server (or commodity price post-payment management server by another means) of a payment gateway company capable of communicating with the Internet shopping mall server, a buyer terminal, and a financial institution server 1. An electronic commerce method using an electronic commerce management system,

A sales product information output step of the buyer terminal accessing the Internet shopping mall server to reproduce product information of a docked goods supplier or a sales agent;

The purchaser terminal inputs the item purchase information of the item, the quantity, and the payment amount of the goods together with the purchase price post-payment information such as the buyer's credit card number including the delivery information and the personal information, An article purchase subscription step of subscribing to the Internet shopping mall server for purchase of goods by the Internet shopping mall server;

The Internet shopping mall server approves postpayment of the commodity price of the buyer or the credit card payment management server communicating with the Internet shopping mall server communicates with the credit card company server to approve postpayment of the credit card of the purchaser, A payment approval step; And

The Internet shopping mall server approves the purchase offer of the buyer in accordance with any one of the buyer's commodity postpayment approval described above and transmits the entered commodity purchase information of the buyer as the sales commodity information together with the delivery information to the above- And a sales approval step,

If the Internet shopping mall server or the credit card payment management server does not issue or issue the merchandise receipt for the advance payment of the commodity to the financial institution server and does not issue the merchandise receipt for the commodity advance payment for the merchandise payment account of the merchandise supplier or dealer terminal A commissioning step of a commodity advance payment agent requesting an agent; And

And a commodity payment advancing proxy step in which the financial institution server performs a commodity payment prepayment online on behalf of the commodity supplier or dealer terminal.

In the above, the proxy of the commodity price prepayment to the commodity supplier or the seller terminal of the financial institution server is not limited to the simple proxy for the reimbursement of the Internet shopping mall server or the commodity price postpayment payment management server, Includes a prepayment loan of a commodity price of a financial institution server to a linked settlement account of a merchandise supplier or dealer terminal responsible for repayment of the prepaid money.

According to an aspect of the present invention, an electronic commerce system that prepares the commodity price includes an insurance money in accordance with a loss compensation insurance contract concluded in preparation for a purchase cancellation of a purchaser terminal or a purchase price payday to the Internet shopping mall server, And a non-life insurer company server for paying a commodity price post-payment management server such as a payment management server or a financial institution server.

According to another aspect of the present invention, there is provided a sales product information input step of accessing an Internet shopping mall server and selling product information including an inventory amount and product payment information as needed, And provides an electronic commerce method of prepayment of the commodity price, which is further included before the commodity information output step.

According to another aspect of the present invention, the merchandise supplier or the seller terminal performs a shipping preparation completion notification step of transmitting a notification of completion of sales product delivery (condition of attaching a COD) to the Internet shopping mall server and / Further comprising a delivery completion notification step of transmitting a completion notification to the Internet shopping mall server after the sales approval step.

According to another aspect of the present invention, there is provided an electronic commerce system including the above-mentioned host vendor terminal or vendor terminal, an Internet shopping mall server, and an Internet shopping mall vendor cooperative server communicating with a financial institution server, Wherein the server requests the cooperative server of the Internet shopping mall vendor cooperative server to cancel the purchasing of the purchaser terminal or to pay the prepayment proxy payment amount for the unpaid repayment of the prepaid proxy payment amount due to the outstanding payment amount and / Wherein the cooperative server further provides a prepayment proxy payment reimbursement payment step of paying a reimbursement amount of the prepaid proxy payment to the financial institution server after the commodity price prepayment proxy step.

According to the present invention, since the Internet shopping mall or the shop selling company does not need to purchase and secure the product directly as in offline, the operation cost can be minimized, and the goods supplier can pay the retailer such as a conventional Internet shopping mall or department store And the commodity price can be received by the transaction financial institution in advance and prepaid, and the commodity price can be stably received by the purchaser before the commodity purchase price is deposited. Thus, It provides the effect of smooth supply of goods and reduction of financial interest burden to the goods supplier or dealer.

According to the present invention, there is an effect that a purchaser can purchase a commodity at an inexpensive price without a high distribution margin of a distributor such as a department store.

Further, according to the present invention, a merchant providing goods to an Internet shopping mall or a seller and an Internet shopping mall operator can generate more profit by activating electronic commerce.

Fig. 1 is a configuration diagram of a first embodiment of an electronic commerce system for prepaid commodity money according to the present invention.
Fig. 2 is a configuration diagram of a modification of the first embodiment of the electronic commerce system for preprocessing the commodity price according to the present invention.
3 is a configuration diagram of a second embodiment of an electronic commerce system for preprocessing commodity money according to the present invention.
4 is a configuration diagram of a third embodiment of an electronic commerce system for prepaid commodity money according to the present invention.
5 is a configuration diagram of a fourth embodiment of an electronic commerce system for preprocessing a commodity price according to the present invention.
FIG. 6 is a flowchart of an embodiment of an electronic commerce method for prepaid commodity price of the present invention.

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

In the following description, the purchaser terminal 10, the credit card payment management server 30, the merchandise supplier or seller terminal 40, the financial institution server 50 and the damage insurance company server 60 And may be interpreted accordingly in the meaning of each buyer, credit card billing agent, merchandise supplier or dealer, financial institution and insurance company.

Fig. 1 is a configuration diagram of a first embodiment of an electronic commerce system for prepaid commodity money according to the present invention.

Referring to FIG. 1-1, the electronic commerce system for preprocessing goods according to the first embodiment of the present invention includes at least one store goods supplier terminal 40, an Internet shopping mall capable of communicating with a plurality of store goods provider terminals A server 20, a server of a credit card company, a credit card billing management server 30 of a payment gateway company capable of communicating with the Internet shopping mall server, a buyer terminal 10, a financial institution server 50, And an insurance company server 60.

In the electronic commerce system as described above, the Internet shopping mall server 20 as a dealer displays mutual addresses, a business registration number, a communication sales business report number, a sales payment settlement method, and the like, And prices. A product description, a product photograph, and the like to prepare for online sale of a product, and a selection of a product by online or mobile access of the purchaser terminal, a credit card charge for inputting the purchase price post-payment information such as a credit card number, The purchase approval of the buyer terminal is approved according to the buyer's credit card payment approval of the payment management server or the self-approval of the purchase price postpayment by the Internet shopping mall server, and the purchase information of the buyer terminal, The present invention can be applied to an open market portal where an open market platform in which a plurality of merchandise suppliers are established is opened or opened as an Internet shopping mall or a plurality of merchandise providers : Cooperative) Internet shopping mall operated by It can be carried over.

The posting or modification of the name and price of the above product, the product description, the product photograph, and the like may be directly input and processed by the Internet shopping mall server administrator (company) to the Internet shopping mall server, You can also enter them together.

The buyer terminal 10 accesses the Internet shopping mall server 20, reproduces the posted product information, selects a desired commodity, inputs purchase price postpayment information such as a credit card number, Or by purchasing a commodity by paying the commodity purchase price in accordance with the credit card settlement approval of the credit card settlement management server communicating with the Internet shopping mall server 20. Since the above transaction method is known, A description of the configuration or procedure is omitted.

The Internet shopping mall server 20 sends the goods information of the seller to the goods supplier terminal 40 together with the delivery information after approval of the purchase price postpayment payment for the purchase purchase of the buyer terminal and approval of the purchase offer by the buyer terminal.

The credit card payment management server 30 manages the processing (to be described later) of the commodity price paid from the purchaser by the sales commodity information including the amount of the commodity to be paid after commodity price postpayment approval, (Eg, bank) server 50 to request payment of the advance payment of the commodity price, and the amount of the advance payment by the receivables to be paid within a period of one month or more from the payment date To the financial institution server (50). In addition to issuing the receivables online in the individual transaction unit, the receivables can be issued online only with the payment of the advance payment of the commodity advance payment while the period and the amount are determined and issued in a single contract offline.

The merchandise provider terminal 40 prepares the delivery according to the goods information and the delivery information received from the Internet shopping mall server 20, transmits the sale product delivery preparation completion or the delivery completion notice to the Internet shopping mall server 20, Are processed offline under contract terms .

The financial institution server 50 acts as an online agent for the payment of the commodity price to the payment account of the corresponding merchandise supplier with the receivables issued from the credit card payment management server 30 as collateral, (One month or more from the payment date) of the payment amount of the commodity advance advance payment from the payment management server 30 is managed.

In addition, as described above, the financial institution server 50 can not be issued with a trade receivable but can be requested to act as a proxy for the commodity price payment. In this case, the loss of the financial institution server 50 May be solved by a separate agreement between the Internet shopping mall server 20 and / or the credit card billing management server 30 and the financial institution server 50, and such a contract may be applied to other embodiments of the present invention .

 The credit card payment management server 30 (the Internet shopping mall server 20 according to the contract) is capable of processing settlement payment for the advance payment of the goods supplier delivery price of the financial institution server 50 to the commodity money deposited from the purchaser The reimbursement of the prepaid agency payment to the financial institution server 50 may be made by an alternative transaction with the credit card payment management server 30 (which may also be the Internet shopping mall server 20) having a transaction account with the financial institution .

The electronic commerce system according to the first embodiment of the present invention further includes a non-life insurance company server 60. The non-life insurance company server 60 stores the non-life insurance company server 60, ), The financial institution server (30) accepts the sales cancellation loss insurance insurance contract that the financial institution server (30) subscribes as the insured person, prepares the insurance premium by the insurance contract, In the case where the purchase cancellation or the credit card payment is unpaid and the non-refund of the commodity payment advance payment amount to the financial institution server 50 of the Internet shopping mall server 20 or the credit card payment management server 30 is incurred, 50) (see Fig. 1-1). In addition, the sales cancellation loss compensation insurance contract may be concluded with the non-life insurance company server 60, either the Internet shopping mall server 30 or the credit card billing management server 30, not the financial institution server. 2).

 Although not shown, if the buyer terminal 10 uses a means other than the credit card for the postpay settlement of purchase price, the internet shopping mall server 20 can approve postpayment of purchase price itself, and in that case, (20) can pay the sales proceeds receivable due to the unpaid loss insurance contract with the non-life insurance company server (60).

In addition, the Internet shopping mall of the present invention may be independently established and operated by a business operator for carrying out the present invention, in addition to an open market portal or an Internet shopping mall established by a plurality of independent merchandise providers.

FIG. 2 shows an electronic commerce system according to a modification of the first embodiment of the present invention. The electronic commerce system according to the modification of the first embodiment of the present invention is a system in which an advance payment The redemption procedure for the financial institution server 50 of the request and the advance payment for the advance payment is performed by the Internet shopping mall server 20 instead of the credit card payment management server 30 and is canceled by the loss insurance company server 60 The contractor of the loss compensation insurance contract becomes the Internet shopping mall server 20 as the dealer and the financial institution server 50 checks the receivables issued from the Internet shopping mall server 20 or the credit card payment management server 30 To the corresponding merchandise provider terminal connection settlement account, the advance payment of the commodity delivery fee is paid online, and the advance payment of the advance payment from the Internet shopping mall server 20 It manages the repayment of the agency payment within the time limit.

The sales cancellation loss compensation insurance contract may include the sales commission of the Internet shopping mall server 30 and the advance payment of the financial institution server 50. The insurance money by the insurance contract may be transmitted to the Internet shopping mall server 30 or the credit card The payment management server 30 receives payment.

Further, the Internet shopping mall server 20 itself approves the purchase price postpayment payment to the buyer terminal 10, and requests the financial institution server 50 to pay the advance payment advance payment and the advance payment advance payment to the financial institution server 50 The buyer terminal 10 makes a purchase reimbursement process to the online shopping mall server 20 directly online as the redemption procedure for the online shopping mall server 50 is performed by the Internet shopping mall server 20 instead of the credit card payment management server 30 The credit card payment management server 30 may be omitted in the electronic commerce system by having another system for postpay settlement.

Other configurations and functions of the electronic commerce system according to the modification of the first embodiment of the present invention are the same as those of the first embodiment, and a detailed description thereof will be omitted after the description of the first embodiment described above.

3 is a configuration diagram of a second embodiment of an electronic commerce system for preprocessing commodity money according to the present invention.

3, the electronic commerce system for preprocessing goods according to the second embodiment of the present invention includes at least one shop selling terminal 40, an Internet shopping mall server 20 capable of communicating with a plurality of shop selling terminals 20 A credit card payment management server 30 of a payment gateway company capable of communicating with a server of a credit card company and the Internet shopping mall server, a buyer terminal 10, a financial institution server 50 and a damage insurance company server (60).

The electronic commerce system that prepares the commodity price according to the second embodiment of the present invention is obtained by replacing the commodity supplier terminal 40 of the electronic commerce system according to the first embodiment of the present invention with the selling dealer terminal 40 , The second embodiment of the present invention can be used or opened as an open market portal such as a GMarket in which an open market platform in which a plurality of sales companies have opened an Internet shopping mall as a sales agent (or a shop establishment establisher).

Other configurations and functions of the electronic commerce system of the second embodiment of the present invention are the same as those of the first embodiment, and a detailed description thereof will be omitted after the description of the first embodiment described above.

4 is a configuration diagram of a third embodiment of an electronic commerce system for preprocessing commodity money according to the present invention.

4, an electronic commerce system for preprocessing commodity money according to the third embodiment of the present invention includes at least one shop selling terminal 40, an Internet shopping mall server 20 capable of communicating with a plurality of shop selling terminals A credit card payment management server 30 of a payment gateway company capable of communicating with a server of a credit card company and the Internet shopping mall server, a buyer terminal 10, a financial institution server 50 and a damage insurance company server (60).

The electronic commerce system for preprocessing the commodity price according to the third embodiment of the present invention is configured to include a plurality of the selling dealer terminals 40 and is provided with a plurality of vendors to store the Internet shopping mall as a sales agent The Internet shopping mall server 20 is similar to the electronic commerce system according to the second embodiment of the present invention in that it can be used or opened as an open market portal such as GMarket having an open market platform, It is not necessary to issue a merchandise payment to the seller terminal 40 as in the second embodiment of the present invention to request the agent 50 to pay the merchandise advance payment. (Or an equivalent amount thereof), and accordingly, the financial institution server 50 transmits a commodity advance payment to the seller terminal 40 (The commodity price prepayment loan may be replaced by the Internet shopping mall server 20 in the account of the credit card which has been deposited and paid to the financial institution server 50) Which is different from the electronic commerce system according to the second embodiment of the present invention.

The financial institution server 50 lends the advance payment of the commodity price to the affiliated settlement account of the commodity supplier terminal 40 on the request of the Internet shopping mall server 20 and transmits the commodity from the Internet shopping mall server 20 It manages the reimbursement such as the subrogation within the time limit of the loan of the advance payment of the money.

The electronic commerce system according to the third embodiment of the present invention is an electronic commerce system in which the Internet shopping mall server 20 that has requested the financial institution server 50 to make a delivery advance advance loan to the seller terminal 40 transmits a pre- The Internet shopping mall server 20 may deduct the advance money from the postpaid settlement amount paid to the financial institution server 50 as described above, and collect the money, and if the buyer The loss that occurs to the Internet shopping mall server 20 in which the advance payment of the advance money is paid to the financial institution server 50 when the purchase cancellation of the terminal 10 or the purchase price payday occurs, The buyer terminal 10 can compensate the insurance money of the sales cancellation loss compensation insurance contract to be concluded with the purchaser terminal 10 by paying the buyer terminal 10 to the Internet shopping mall server 20, (Interest rate or the like) between the purchaser terminal 10 and / or the Internet shopping mall server 20 and the financial institution server 50 in consideration of the fact that the probability of occurrence of the purchase cancellation or the purchase price outstanding is statistically extremely low It will be possible.

Other configurations and functions of the electronic commerce system of the third embodiment of the present invention are the same as those of the second embodiment, and a detailed description thereof will be omitted after the description of the first and second embodiments described above.

5 is a diagram showing an electronic commerce system according to a fourth embodiment of the present invention. The electronic commerce system according to the fourth embodiment of the present invention is a system in which an electronic commerce system according to the second embodiment of the present invention is installed in an Internet shopping mall And a cooperative server 70 of a vendor (merchandise provider and / or vendor). When an accident occurs, such as a purchase cancellation of the purchaser terminal 10, an Internet shopping mall server 20 or a credit card billing management server 30), the Internet shopping mall vendor cooperative server 70 pays a sales commission to the Internet shopping mall server 20 and / or prepayment of the commodity payment advance payment amount to the financial institution server 50 such as a bank Interest, and interest payments.

That is, in the electronic commerce system according to the fourth embodiment of the present invention, in response to a request from the Internet shopping mall server 20 (or the credit card payment management server 30), the financial institution server 50 transmits, The financial institution server 50 manages the prepayment of the commodity price online and manages the repayment of the payment amount of the commodity advance payment from the Internet shopping mall server 20 within the time limit, The server 70 may receive the receivable as collateral or not.

In the e-commerce system according to the fourth embodiment of the present invention, when an accident such as the cancellation of purchase by the purchaser occurs, the financial institution server 50 receives the commodity advance payment amount and the interest thereof from the Internet shopping mall shop vendor cooperative server 70 , A reimbursement amount of a sales receipt corresponding to the sales commission of the sales commission to the Internet shopping mall store sales company, or a reimbursement amount from the Internet shopping mall server 20 as a result of the sales cancellation loss compensation insurance contract as described for the second embodiment of the present invention The insurance company server 60 that has received the insurance contract from the insurance company server 60 may be provided with a predetermined insurance money.

Since the other configuration and functions of the electronic commerce system of the fourth embodiment of the present invention are the same as those of the second embodiment, detailed description thereof will be omitted after the description of the first and second embodiments described above.

FIG. 6 is a flowchart of an embodiment of an electronic commerce method for prepaid commodity price of the present invention.

6, the present invention provides an Internet shopping mall that communicates with one or more store vendors (and / or merchandiser) terminals 40, a plurality of store vendors (and / or merchandise providers) A credit card payment management server 30 (or another commodity postpayment management server) of a payment gateway company that communicates with the server 20, the Internet shopping mall server 20 and a credit card company, (10) and a financial institution server (50), the method comprising:

A sales item information output step (S01) for the buyer terminal (10) to access the Internet shopping mall server (20) and reproduce product information;

The buyer terminal 10 selects an item, a quantity, and the like of a desired commodity by a predetermined procedure and method based on the commodity information reproduced from the Internet shopping mall server 20, and transmits credit card billing information (or other A subscription step S02 for subscribing for a purchase of a product by postpaid payment by inputting the purchase price postpayment payment information);

A credit card billing management server 30 (or another commodity postpayment billing management server) that communicates with the Internet shopping mall server 20 receives a buyer's commodity postpayment approval step S03); And

 The Internet shopping mall server 20 receives the merchandise purchase information of the purchaser who is input by the credit card payment management server 30 (or other commodity price post-payment management server) (S04) for transferring the goods information to the shopper (and / or the goods supplier) terminal together with the delivery information to approve the buyer's purchase offer (S04)

The commodity price prepayment agent requesting that the Internet shopping mall server 20 or the commodity price postpayment management server 30 requests the commodity price payment for the commodity price to the commodity terminal 40 Step S05; And

(S06), in which the financial institution server (50) performs an advance payment of goods on-line to a payment account associated with the seller (and / or the goods supplier) terminal (40);

And an electronic commerce method in which a commodity price is pre-paid.

In the electronic commerce method according to an embodiment of the present invention, the purchaser terminal 10 accesses the Internet shopping mall server 20 to reproduce the product information such as item, quantity, price, (S01).

The buyer terminal 10 connected to the Internet shopping mall server 20 selects the items and the quantity of the desired goods by the determined procedure and method according to the product information reproduced as described above and transmits the merchandise such as the credit card number Payment settlement information, and subscribes for purchase of goods by postpayment of goods (S02).

(1) the Internet shopping mall server 20 approves postpayment of commodity price payment by a predetermined protocol, or (2) the commodity price postpayment is accepted by the purchaser terminal 10 according to the commodity price postpayment information entered through the Internet shopping mall server 20. [ The credit card billing management server 30 communicating with the Internet shopping mall server 20 approves the commodity price postpayment by the credit card of the purchaser terminal 10 based on the credit card information of the purchaser terminal as the commodity price postpay settlement information (S03).

(S04) according to the approval of the purchaser's postpayment payment (S04), and the goods purchase information of the buyer, which is input by the Internet shopping mall server 20, to the seller And / or the goods supplier) terminal 40 to complete the commodity-price post-payment electronic commerce product purchase.

An Internet shopping mall server 20 in which a buyer himself / herself approves commodity postpay settlement according to a predetermined procedure in accordance with the commodity postpayment settlement information input through the Internet shopping mall server 20, or the purchaser's credit card settlement information The commodity postpayment payment management server 30 receiving the commodity price postpayment payment from the Internet shopping mall server 20 together with the commodity commodity postpayment payment management server 30 receives the commodity money receipt for the commodity advance payment online (S05). ≪ tb > < / TABLE > At this stage, the issuance of trade receivables is not essential. In addition to issuance of trade receivables online, individual receivables are issued online or offline with a single contract, Only the advance payment agent can be referred to online at each transaction.

The financial institution server 50 that has been commissioned to act as a proxy for the commodity advance payment as described above is required to provide the merchandise (and / or the commodity supplier) terminal 40 with the account receivable as collateral or not, (S06), the procedure by the electronic commerce method for prepayment of the commodity price according to the embodiment of the present invention is terminated.

Thereafter, the Internet shopping mall server 20 or the merchandise postpayment payment management server 30 transmits the prepayment payment amount reimbursement money to the financial institution server 50 for a predetermined period (one month or more from the payment payment date) , Or you can pay offline.

If the buyer fails to pay the postpaid amount or fails to pay the commodity price after the commodity transaction is completed by the above procedure, the compensation may not be compensated for by the insurance contract such as the sales cancellation loss compensation insurance. In this case, The relevant credit card company of the credit card billing management server 30 which is to perform the prepayment of the commodity price through the agency server 50 is caused to perform the collection procedure of the credit card payment, Regardless of the electronic commerce method of the post-settlement method, and a method corresponding to the post-settlement method may be used.

In the electronic commerce method of the present invention as described above, information such as sales product information including an inventory amount and merchandise settlement account information is connected to an Internet shopping mall server 20 by an Internet shopping mall selling dealer or a merchandise supplier terminal 40 (S00).

In the electronic commerce method as described above, the vendor terminal 40, which is issued by the commodity price post-payment management server 30 to the financial institution server 50 online in the proxy payment request step (S05) of the pre- The object of the related trade receivable includes the commodity delivery price in addition to the commodity delivery price, so that the financial institution server 50 in the proxy stage (S06) of the prepayment transmits the advance payment of the commission in addition to the commodity price to the separate settlement account Of the total amount.

In addition, in the above-described electronic commerce method, the sales agent (and / or the goods supplier) terminal 40 notifies the Internet shopping mall server 20 of the completion of the shipping preparation (S11) To the server 20 (S21).

When the purchaser terminal cancels the purchase as prescribed by law, the commodity price postpayment payment management server 30 transmits advance payment of the commodity price and the sales commission of the financial institution server 50, payment management company commission, The settlement of the fee can be solved by contract or consultation with the entrepreneur of the Internet shopping mall server 20.

In order to solve the problem caused by the cancellation of the purchase to the Internet shopping mall server 20 and the merchandise postpayment billing management server 30 of the buyer terminal 10 by insurance, the electronic commerce system of the present invention is provided with a damage insurance company server 60, and the non-life insurance company server 60 stores the insurance contract in which the financial institution server 50 itself is the insured person or the insurance company in the Internet shopping mall server 20 or the credit card payment management server 30 (S31a). When an accident such as a purchase cancellation of the purchaser terminal 10 occurs, the financial institution server 50, the Internet shopping mall server 20 or the insurance company The damage insurance company server 60 may pay the insurance money (S31b) by the insurance contractor such as the commodity price post-payment management server 30.

Further, the electronic commerce system of the present invention may further include an Internet shopping mall shopper cooperative association server 70, which is a server of a cooperative association of an Internet shopping mall shopper with or without the damage insurance company server 60, ) Can be used alone or in combination with the insurance money of the insurance contract such as the sales cancellation loss insurance insurance of the non-life insurance company server 60 and the insurance premium of the insurance money of the insurance money of the Internet shopping mall server 20, The payment management server 30 or the financial institution server 50 may be provided.

While the present invention has been described in connection with the preferred embodiments thereof with reference to the accompanying drawings, it is to be understood that the present invention is not limited to the above-described embodiments. Those skilled in the art will appreciate that various modifications, Various modifications and variations are possible within the scope of the technical idea of the e-commerce method and system in which the commodity price prepayment is the main point. Therefore, the scope of protection of the present invention should be determined by the claims set forth below, and all of the equivalents or equivalent variations of the claims of the claims belong to the scope of protection of the present invention.

10: Buyer terminal 20: Internet shopping mall server
30: credit card payment management server 40: commodity provider terminal
50: financial institution server 60: damage insurance company server

Claims (20)

Each of at least one merchant vendor and / or vendor terminal 40; The virtual merchant platform is displayed, and the product name and price of the product, the description of the product, the photograph of the product, and the like are posted to display the merchandise supplier and / Or an Internet shopping mall server 20 prepared for online sale of goods of the seller terminal 40; A commodity price post-payment management server 30 including a server of a credit card company and a credit card billing management server of a payment gateway company capable of communicating with the Internet shopping mall server; An electronic commerce system comprising a buyer terminal (10) and a financial institution server (50)
The buyer terminal 10 accesses the Internet shopping mall server 20 to play the goods information of each seller and reproduce the purchase information by selecting the goods item and the quantity based on the reproduced goods information, Including the purchaser's credit card number including the commodity price post-payment information;
The Internet shopping mall server 20 or the commodity price postpayment management server 30 approves commodity price postpayment according to postpayment information such as a credit card number;
The Internet shopping mall server 20 approves the purchase subscription of the buyer terminal 10 for the commodity for which postpay settlement of sales proceeds has been completed and transmits the commodity sales information and the delivery information about the sale commodity to the supplier terminal 40 Lt; / RTI >
The goods supplier and / or the retailer terminal 40 receives the goods sale information and the delivery information received from the Internet shopping mall server 20, and transmits a sale product delivery completion notification to the Internet shopping mall server 20;
The Internet shopping mall server 20 or the commodity price postpayment management server 30 requests the financial institution server 50 to act as a proxy for the commodity price prepayment for the commodity supplier or the vendor's terminal 40 ;
Wherein the financial institution server (50) acts to provide advance payment of commodities online to the commodity provider and / or the affiliated settlement account (40). The method according to claim 1,
The proxy of the commodity advance payment of the financial institution server 50 generates the redemption obligation of the Internet shopping mall server 20 or the commodity price postpayment management server 30 to the financial institution server 50 , An electronic commerce system that prepaid commodity price. The method according to claim 1,
Wherein the proxy of the commodity price prepayment of the financial institution server (50) generates a repayment obligation to the financial institution server (50) of the commodity supplier and / or dealer terminal (40) The e-commerce system prepaid. 4. The method according to any one of claims 1 to 3,
The Internet shopping mall server 20 or the commodity price postpayment management server 30 transmits a commodity advance payment to the financial institution server 50 for the payment account associated with the corresponding merchandise supplier and / To the financial institution server (50) either online or offline at the time of or before the commissioning of the proxy payment of the commodity price prepayment is issued to the financial institution server (50) Prepaid e - commerce system. 4. The method according to any one of claims 1 to 3,
In order to cancel the purchasing of the purchaser's terminal 10 or to clear the purchase price of the purchaser terminal 10, an insurance contract in which the financial institution server 50 itself is insured, or an insurance contract in which the merchant terminal 40 and / Payment of the insurance contract for compensating the sales cancellation loss related to the commodity price prepayment of the commodity price postage management server 30 by the server 20 or the commodity price postpayment management server 30, Further comprising a non-life insurance company server (60) for paying the insurance money to the insurance contractor, the insured person or the insurance beneficiary. 5. The method of claim 4,
In order to cancel the purchasing of the purchaser's terminal 10 or to clear the purchase price of the purchaser terminal 10, an insurance contract in which the financial institution server 50 itself is insured, or an insurance contract in which the merchant terminal 40 and / The server 20 or the commodity price postpayment management server 30 receives the insurance premium of the insurance contract for compensating the sales cancellation loss related to the prepayment of the commodity price and receives the insurance premium of the insured of the buyer terminal 10 Further comprising a non-life insurance company server (60) for paying the insurance money to the insurance contractor, the insured person or the insurance beneficiary. 4. The method according to any one of claims 1 to 3,
Further comprising an Internet shopping mall vendor cooperatives server (70) for providing the financial institution server (50) with a payment for the merchandise advance payment related to the buyer terminal (10) , An electronic commerce system that prepaid commodity price. 5. The method of claim 4,
Further comprising an Internet shopping mall vendor cooperatives server (70) for providing the financial institution server (50) with a payment for the merchandise advance payment related to the buyer terminal (10) , An electronic commerce system that prepaid commodity price. 6. The method of claim 5,
Further comprising an Internet shopping mall shop vendor cooperative server (70) for providing the financial institution server (50) with a reimbursement related to the commodity price advance payment in accordance with the purchase cancellation of the purchaser terminal (10) or the purchase price payday, The company server 60 and the Internet shopping mall shop vendor cooperative server 70 jointly or alternatively provide the financial institution server 50 with the advance payment related insurance against the purchasing cancellation of the purchaser terminal 10, Of the total amount of the commodity. The method according to claim 6,
Further comprising an Internet shopping mall shop vendor cooperative server (70) for providing the financial institution server (50) with a reimbursement related to the commodity price advance payment in accordance with the purchase cancellation of the purchaser terminal (10) or the purchase price payday, The company server 60 and the Internet shopping mall shop vendor cooperative server 70 jointly or alternatively provide the financial institution server 50 with the advance payment related insurance against the purchasing cancellation of the purchaser terminal 10, Of the total amount of the commodity. A virtual Mall platform is opened to display at least one of the one or more delegated goods suppliers and / or dealer terminals, a mutual address, an address, a business registration number, a communication seller reporting number, Name and price of the goods of the terminal. A credit card company's server and a credit card billing management server of a payment gateway capable of communicating with the Internet shopping mall server, which are prepared for online sale of goods by posting product descriptions, product photographs, etc. An electronic commerce method using an electronic commerce system including a merchandise postpayment payment management server, a buyer terminal, and a financial institution server,
A sales product information output step of the buyer terminal accessing the Internet shopping mall server to reproduce product information of the dock merchant and / or dealer terminal;
The buyer terminal inputs the item purchase information of the item, the quantity, and the payment amount of the goods together with the goods payment post-payment information such as the buyer's credit card number including the delivery information and the personal information by the goods information reproduced by the buyer terminal, A subscription step of subscribing for a subscription for a subscription;
A buyer's commodity postpayment approval step in which the Internet shopping mall server or the commodity price postpayment management server approves postpayment of the commodity price paid by the purchaser; And
The Internet shopping mall server approves the purchase subscription of the buyer terminal according to the commodity price postpayment approval of the buyer terminal of the Internet shopping mall server or the commodity price postpayment management server, A sales approval step of transferring the purchase information to the goods supplier terminal and / or the seller terminal together with the delivery information to approve the purchase offer of the buyer; Lt; / RTI >
The Internet shopping mall server or the commodity price postpayment management server transmits to the financial institution server a commodity price for a financial institution server that requests the commodity payment advance payment to the settlement account associated with the commodity supplier terminal and / An advance payment agency step; And
A commodity payment advancement step of a financial institution that the financial institution server performs an online payment for a commodity price prepayment to a settlement account associated with the merchandise supplier and / or dealer terminal;
Further comprising the step of: receiving the commodity price. 12. The method of claim 11,
The advance payment of the commodity price generates the redemption obligation for the financial institution server (50) of the Internet shopping mall server (20) or the commodity price postpayment management server (30) Electronic commerce method. 12. The method of claim 11,
And the advance payment of the commodity price generates a reimbursement obligation to the financial institution server (50) of the merchandise supplier and / or dealer terminal (40).
The method according to any one of claims 11 to 13,
In the step of requesting payment of advance payment to the financial institution,
The Internet shopping mall server 20 or the commodity price postpayment management server 30 requests the financial institution server 50 to act as an agent for prepayment of the commodity price payment to the corresponding merchandise supplier and / The method as claimed in any one of claims 1 to 3, wherein the sales receipt as a collateral is issued to the financial institution server (50) either online or offline at or before the commission of the commodity advance payment. The method according to any one of claims 11 to 13,
The electronic commerce system further includes a non-life insurance company server (60)
The damage insurance company server 60 transmits an insurance contract in which the insurance company server 60 itself insures the insured of the financial institution server 50 or the insurance contract in which the insured goods supplier and / Or the premium of insurance contract for compensating for losses related to the advance payment of commodity prices of the seller terminal 40, the Internet shopping mall server 20 or the commodity price postpayment management server 30, And a payment step of paying the insurance premium and the insurance payment of the loss compensation insurance, wherein the insurance premium is paid to the insurance contractor, the insured person or the insurance beneficiary in accordance with the outstanding balance of the purchase price, after the commodity payment advance step of the financial institution. An electronic commerce method for prepaid goods. 15. The method of claim 14,
The electronic commerce system further includes a non-life insurance company server (60)
The damage insurance company server 60 transmits an insurance contract in which the insurance company server 60 itself insures the insured of the financial institution server 50 or the insurance contract in which the insured goods supplier and / Or payment of insurance premiums for compensation of losses related to the advance payment of commodity money of the seller terminal 40, the Internet shopping mall server 20 or the commodity price postpayment management server 30, and the purchase of the purchaser terminal 10 The payment of the insurance premium and the payment of the insurance premium of the loss compensation insurance, in which the insured of the insured pursuant to the pending cancellation or purchase purchase payment is paid to the policyholder, the insured or the beneficiary of the insurance; The method comprising the steps of: The method according to any one of claims 11 to 13,
The electronic commerce system further includes an Internet shopping mall vendor cooperative server (70)
The commodity price advance payment coin collecting server 70 for paying the commodity cash advance reimbursement related to the commodity price prepayment according to the purchase cancellation of the buyer terminal 10 or the purchase price payday to the financial institution server 50 ; Further comprising a commodity advance payment step of the financial institution after the payment step. 15. The method of claim 14,
The electronic commerce system further includes an Internet shopping mall vendor cooperative server (70)
The commodity price advance payment coin collecting server 70 for paying the commodity cash advance reimbursement related to the commodity price prepayment according to the purchase cancellation of the buyer terminal 10 or the purchase price payday to the financial institution server 50 ; Further comprising after the commodity advance payment step of the financial institution, the advance payment of the goods delivery charge. 16. The method of claim 15,
Further comprising an Internet shopping mall vendor cooperative combination server (70) for providing the financial institution server (50) with a reimbursement related to the product price advance payment according to the purchase cancellation of the buyer terminal (10) or the purchase price pending on the electronic commerce system,
The damage insurance company server 60 and the Internet shopping mall shop vendor cooperative server 70 may jointly or alternatively provide the insurance money of the product payment advance insurance related to the cancellation of purchasing of the purchaser terminal 10 or the purchase price payment, To the financial institution server (50), the commodity price prepayment reimbursement money to the financial institution server (50). 17. The method of claim 16,
The Internet shopping mall shop vendor cooperative server 70 for paying the financial institution server 50 to the electronic commerce system for the purchasing cancellation of the purchaser terminal 10 or payment of the purchase price of the commodity price prepayment Including,
The damage insurance company server 60 and the Internet shopping mall shop vendor cooperative server 70 may jointly or alternatively provide the insurance money of the product payment advance insurance related to the cancellation of purchasing of the purchaser terminal 10 or the purchase price payment, To the financial institution server (50), the commodity price prepayment reimbursement money to the financial institution server (50).
KR1020150055261A 2014-04-18 2015-04-20 E-commerce system and method for prepaying the price of goods before delivering goods to orderers KR20150120886A (en)

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Cited By (4)

* Cited by examiner, † Cited by third party
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KR102141848B1 (en) * 2020-05-21 2020-08-06 주식회사 헬로핀테크 Loan system for paying in advance electronic payment sales of small business owners in real time
WO2020218822A1 (en) * 2019-04-22 2020-10-29 주식회사 스마트삼육 Smart installment method and system for selling long-term installment service and bundled product
KR102367986B1 (en) * 2021-06-28 2022-02-25 주식회사 헬로핀테크 Electronic commerce method using fin-tech
KR102367999B1 (en) * 2021-06-28 2022-02-25 주식회사 헬로핀테크 Electronic commerce system using fin-tech

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
WO2020218822A1 (en) * 2019-04-22 2020-10-29 주식회사 스마트삼육 Smart installment method and system for selling long-term installment service and bundled product
KR102141848B1 (en) * 2020-05-21 2020-08-06 주식회사 헬로핀테크 Loan system for paying in advance electronic payment sales of small business owners in real time
KR102367986B1 (en) * 2021-06-28 2022-02-25 주식회사 헬로핀테크 Electronic commerce method using fin-tech
KR102367999B1 (en) * 2021-06-28 2022-02-25 주식회사 헬로핀테크 Electronic commerce system using fin-tech

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