KR20230008330A - Electronic commerce system of the cash receipt function - Google Patents

Electronic commerce system of the cash receipt function Download PDF

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Publication number
KR20230008330A
KR20230008330A KR1020210088843A KR20210088843A KR20230008330A KR 20230008330 A KR20230008330 A KR 20230008330A KR 1020210088843 A KR1020210088843 A KR 1020210088843A KR 20210088843 A KR20210088843 A KR 20210088843A KR 20230008330 A KR20230008330 A KR 20230008330A
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South Korea
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transaction
user
rule
account
authorized
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KR1020210088843A
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Korean (ko)
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김현호
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주식회사 조아라그룹
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Priority to KR1020210088843A priority Critical patent/KR20230008330A/en
Publication of KR20230008330A publication Critical patent/KR20230008330A/en

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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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0601—Electronic shopping [e-shopping]
    • G06Q30/0613—Third-party assisted
    • 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
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
    • G06Q20/401—Transaction verification
    • G06Q20/4014—Identity check for transactions
    • G06Q20/40145—Biometric identity checks
    • 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
    • G06Q20/38—Payment protocols; Details thereof
    • G06Q20/42—Confirmation, e.g. check or permission by the legal debtor of payment
    • 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]
    • G06Q30/0609—Buyer or seller confidence or verification

Abstract

The present invention provides a platform system for enabling customer order, reservation confirmation, personal credit card work, deposit and transfer work at home, and real-time logistic transfer confirmation when using an Internet shopping mall in Internet e-commerce. A provided convergent communication method includes the steps of: determining rules for clearing the transaction, including at least one clearing rule; applying at least one authorization rule to authorize the transaction; charging the account according to a debit rule in real time when the transaction is authorized; and clearing the charge debited to the account of one provider among a plurality of transaction providers.

Description

현금영수증 기능의 전자상거래 시스템{ELECTRONIC COMMERCE SYSTEM OF THE CASH RECEIPT FUNCTION}E-commerce system with cash receipt function {ELECTRONIC COMMERCE SYSTEM OF THE CASH RECEIPT FUNCTION}

상기의 과제를 이루기 위하여 본 발명에 의한, 구입자와 판매자 간에 전자상거래가 수행되도록 하기 위한 시스템에 있어서, 판매자의 대금 결제와 관련하여 사용되는 판매용 결제카드; 구입자의 대금 결제와 관련하여 사용되는 구입용 결제카드; 상기 결제카드들에 의한 결제 여부를 승인하고 상기 판매자가 납품한 거래내역과 관련한 판매결제정보 및 상기구입자가 납품받은 거래내역과 관련한 구입결제정보를 생성하는 승인기관; 상기 판매용 결제카드 또는 구입용 결제카드에 의하여 상기 승인기관과 통신하여 대금결제와 관련한 승인을 획득하여 결제과정을 수행하는 카드단말기; 및 상기구입자로부터 상품 구매에 관한 주문정보를 입력받고 상기 주문정보에 기초하여 판매자에게 발주정보를 전송하며, 상기판매결제정보 및 상기 구입결제정보에 따라 상품 납품과 관련된 거래내역 및 상품대금을 확인하고, 구입자와 판매자간에 거래 내역에 맞추어 상품대금이 결제될 수 있도록 처리하는 운영서버을 포함하는 것을 특징으로 한다In order to achieve the above object, in the system for enabling electronic commerce to be performed between a buyer and a seller according to the present invention, a payment card for sale used in connection with a seller's payment; Payment card for purchase used in connection with the purchaser's payment; an approval institution that approves payment by the payment cards and generates sales payment information related to transaction details delivered by the seller and purchase payment information related to transaction details delivered by the buyer; a card terminal that communicates with the approval institution through the payment card for sale or the payment card for purchase, obtains approval related to payment, and performs a payment process; And receiving order information related to product purchase from the buyer, transmitting order information to the seller based on the order information, and checking transaction details and product price related to product delivery according to the sales payment information and the purchase payment information , It is characterized in that it includes an operation server that processes the product price so that the product price can be settled according to the transaction details between the buyer and the seller.

종래 전자상거래를 운용하는 서버에서는 구입자와 판매자 사이에 중간에서 거래를 중개하며, 구입자와 판매자 간에 거래가 성사되면 또는 상품이 납품되면 구입자가 판매자로 상품대금을 송금하도록 하고 있다. 대금 결제과정에 있어서,In a conventional e-commerce server, a transaction is brokered in the middle between a buyer and a seller, and when a transaction is concluded between a buyer and a seller or when a product is delivered, the buyer remits the product price to the seller. In the payment process,

구입자는 은행의 온라인 계좌이체를 이용하거나 신용카드에 의한 신용결제의 방식을 이용하는 것이 보통인데, 판매자가 상품을 납품하는 시점에서 구입자가 상품을 받은 후 대금을 확실히 결제할 지를 신용하기 어렵다. 또한 구입자의 입장Buyers usually use online bank transfer or credit payment by credit card, but it is difficult to trust whether the buyer will pay the price after receiving the product at the time the seller delivers the product. Also, the buyer's point of view

에서도 구매 거래를 할 때마다 일일이 대금 결제를 수행하여야 하는 번거러움이 있었다.There was also the inconvenience of having to pay the price one by one every time a purchase transaction was made.

본 발명의 목적은, 인터넷 전자상거래에 있어 고객 이용시 주문, 또는 예약 확인, 개인 신용 카드 업무, 가정에서 입금 및 계좌 이체 등의 금융 업무, 각종 공과금 자동 입금 확인 업무, 인터넷 쇼핑몰 이용시 실시간 물류 이송, 인터넷을 이용한 가정 방범 시스템 및 가정 시설물 제어, 교통카드/전자화폐 등의 각종 카드 충전, 의료 분업에 따른 처방전 입출력 및 예약 업무, 개인용 컴퓨터/TV/모니터 등과 인터페이스, 인터넷 이용시 별도의 회원 등록없이 인터넷 카드로 각종 사이트 이용이 가능토록 한 통신라인을 이용한 전자상거래 및 개인금융업무 처리 시스템 및 그 방법을 제공하는 데 있다The purpose of the present invention is to confirm orders or reservations when using customers in Internet e-commerce, personal credit card work, financial work such as deposit and account transfer at home, automatic deposit confirmation of various utility bills, real-time logistics transfer when using Internet shopping malls, and Internet Home security system and home facility control using, charging various cards such as transportation cards/electronic money, input/output and reservation of prescriptions according to medical division of labor, interface with personal computer/TV/monitor, etc., Internet card without separate membership registration when using the Internet It is to provide an e-commerce and personal financial business processing system and method using a communication line that enables the use of various sites.

종래의 인터넷 쇼핑몰 시스템이나 홈 쇼핑 시스템 등과 같은 서비스 제공자(판매자)는 전적으로 규격상품만을 취급하였으므로 자신이 직접 운용 하는 물류센터를 갖추는 경우가 드물었다. 비규격상품인 농수축산물은 보관상의 문제 때문에 배송시간이 길어지면 신선도가 떨어지므로, 고객과 지역적으로 밀착 Since service providers (sellers) such as conventional Internet shopping mall systems or home shopping systems exclusively deal with standard products, it is rare to have a distribution center that they directly operate. Non-standard agricultural, fishery and livestock products lose their freshness when delivery time is prolonged due to storage problems, so they are closely related to customers.

된 분산물류센터를 기반으로 하여 신속하게 배송하는 장치를 갖추는 것이 요구된다. 그러므로 종래의 전자상거래 방식은 고객의 요구를 충분히 만족시킬 수 없는 문제점을 안고 있었다.It is required to have a device for rapid delivery based on the distributed distribution center. Therefore, the conventional e-commerce method has a problem in that it cannot sufficiently satisfy the customer's needs.

나아가, 배달 받은 상품에 대한 고객의 불만(claim)을 처리하는 기능, 배송일 지정 기능과 그와 관련된 재고관리 기능 등 고객에 대한 서비스 질을 높이기 위한 기능 또한 인터넷 쇼핑몰 시스템의 상업적 성공에 기여할 수 있을 것이다.Furthermore, functions to improve the quality of service to customers, such as the function of handling customer complaints about delivered goods, the function of specifying the delivery date and the related inventory management function, can also contribute to the commercial success of the Internet shopping mall system. .

이상에서 상술한 본 발명 " 통신라인을 이용한 전자상거래 및 개인금융업무 처리 시스템 및 그 방법" 에 따르면, 인터넷 전자상거래에 있어 고객 이용시 주문, 또는 예약 확인, 개인 신용 카드 업무, 가정에서 입금 및 계좌 이체 등의 금융 업According to the present invention "e-commerce and personal financial business processing system and method using communication line" described above, in Internet e-commerce, customer order or reservation confirmation, personal credit card business, deposit and account transfer at home financial business such as

무, 각종 공과금 자동 입금 확인 업무, 인터넷 쇼핑몰 이용시 실시간 물류 이송, 인터넷을 이용한 가정 방범 시스템 및 가정 시설물 제어, 교통카드/전자화폐 등의 각종 카드 충전, 의료 분업에 따른 처방전 입출력 및 예약 업무, 개인용 컴퓨automatic deposit confirmation of various utility bills, real-time logistics transfer when using Internet shopping malls, home security system and home facility control using the Internet, charging of various cards such as transportation cards/electronic money, prescription input/output and reservation tasks according to medical division of labor, personal computer

터/TV/모니터 등과 인터페이스, 인터넷 이용시 별도의 회원 등록없이 인터넷 카드로 각종 사이트 이용등이 가능한 다수의 이점이 있다.There are many advantages such as interfaces such as computer/TV/monitor, etc., and use of various sites with an Internet card without separate membership registration when using the Internet.

상기한 바와 같은 목적을 달성하기 위한 본 발명은 임의의 상품 판매와 구매를 중재하는 쇼핑몰에 있어서, 판매회사에서 각종 상품의 이미지를 2차원 및 3차원으로 모델링하여 등록하는 데이터를 저장하는 수단과, 구매자가 등록하는 상품의 부착 위치에 대한 2차원 및 3차원 이미지를 모델링하여 저장하는 수단을 구축하는 것을 특징으로 하는 전자 상거래 에서 어울림테스트 제공장치를 제공한다.The present invention for achieving the above object is a shopping mall that mediates the sale and purchase of any product, means for storing data for modeling and registering images of various products in 2D and 3D in a sales company; An apparatus for providing a fit test in e-commerce is provided, characterized in that a means for modeling and storing 2-dimensional and 3-dimensional images of the attachment position of a product registered by a buyer is built.

또한, 본 발명은 판매회사가 각 상품을 촬영하여 2차원 및 3차원 모델링 데이터로 가공한 후 쇼핑몰에 등록하는 과정과, 구매자가 구매를 원하는 상품이 설치될 위치의 형상을 촬영하여 2차원 및 3차원 모델링 데이터로 가공한 후 쇼핑몰에In addition, the present invention relates to a process in which a sales company photographs each product, processes it into 2D and 3D modeling data, and then registers the product in a shopping mall; After processing into dimensional modeling data,

등록하는 과정과, 구매자가 쇼핑몰을 접속하여 구매를 원하는 상품과 설치 위치에 대한 어울림테스트를 상기 등록된 2차원 및 3차원 데이터를 이용하여 수행한 다음 해당 상품의 구매 의사를 전달하는 과정을 포함하는 특징으로 하는 전자Including the process of registering, and the buyer accessing the shopping mall, performing a match test for the product they want to purchase and the installation location using the registered 2-dimensional and 3-dimensional data, and then conveying their intention to purchase the product electronic characterized

상거래에서 어울림테스트 제공방법을 제공한다. Provides a method for providing a match test in commercial transactions.

Claims (1)

인가된 사용자에게 현재 적용가능하고, 거래를 인가하기 위한 적어도 하나의 인가 규칙과, 상기 거래가 완료되었을 때 상기 인가된 사용자의 계좌에 차변하기(debiting) 위한 적어도 하나의 차변 규칙 및 적어도 하나의 통신 네트워크를 통하여 수신된 지시에 응답하여 거래의 청산을 위한 적어도 하나의 청산 규칙을 포함한 규칙들을 결정하는 단계;
거래를 인가하기 위하여 상기 적어도 하나의 인가 규칙을 적용하는 단계;
거래가 인가된 경우 실시간으로 상기 차변 규칙에 따라 계좌에 부과하는 단계; 및 상기 적어도 하나의 청산 규칙에 따라 다수의 거래 제공자 중 하나의 거래 제공자의 계좌에 차변된 부과금을 청산하는 단계로 이루어진 하나의 규칙 세트(set)를 적용하는 수렴 통신 방법.
청구항 2
제1항에 있어서,상기 인가규칙을 적용하는 단계 후에,
인가된 사용자 계좌에 거래를 차변하기 위한 충분한 잔고를 가지고 있지 않음을 결정하는 단계; 및 자금을 이체하기 위한 재부과 사용자 계좌를 결정하는 단계와, 인가된 사용자로부터 인가를 요청하거나 일 이상의 언급된 선-인가 이체 중 하나에 의해 이체를 인가하는 단계를 포함하는 재부과 과정을 완료한 후 인가된 사
용자의 계좌로부터 재부과하는 재부과 단계를 더 포함하는 수렴 통신 방법.
청구항 3
제2항에 있어서, 상기 재부과는 다수의 재부과 사용자 계좌를 사용하여 수행되는 수렴 통신 방법.
청구항 4
제2항에 있어서, 상기 인가된 사용자로부터 인가요청은 일 이상의 사용자 PIN 요청, 수동입장요청, 사용자 패스
구(pass phrase) 요청, 생체인식수단을 통한 사용자 신원 확정 중 하나인 수렴 통신 방법.at least one authorization rule, currently applicable to an authorized user, for authorizing a transaction, at least one debit rule for debiting an account of the authorized user when the transaction is completed, and at least one communication network; determining rules including at least one clearing rule for clearing the transaction in response to the instruction received via;
applying the at least one authorization rule to authorize a transaction;
charging the account according to the debit rule in real time when the transaction is authorized; and settling the debited charge in the account of one of the plurality of transaction providers according to the at least one clearing rule.
claim 2
The method of claim 1, after applying the authorization rule,
determining that the authorized user's account does not have sufficient funds to debit the transaction; and determining a recharged user account to transfer funds from and authorizing the transfer either by requesting authorization from an authorized user or by one of one or more of the aforementioned pre-authorized transfers. company authorized after
The convergence communication method further comprising a re-charging step of re-charging from the user's account.
claim 3
3. The method of claim 2, wherein the recharging is performed using a plurality of recharging user accounts.
claim 4
The method of claim 2, wherein the authorization request from the authorized user comprises one or more user PIN requests, manual entry requests, and user passes.
A convergence communication method, which is one of requesting a pass phrase and confirming a user's identity through biometrics.
KR1020210088843A 2021-07-07 2021-07-07 Electronic commerce system of the cash receipt function KR20230008330A (en)

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