KR20010111199A - Electonic clearing method for improving commerce realiabilty - Google Patents

Abstract

The present invention is an electronic commerce method using an independent, centralized payment server for the seller and the buyer on the e-commerce, a prepayment of the purchase amount from the buyer on behalf of the buyer, and pays the deposit to the seller after the completion of the product delivery.

To this end, the present invention is a product purchase step of a specific buyer visits the homepage of a particular seller to select a product, and deposits the product price to the payment server;

A deposit notification step of confirming the deposit in the payment server and informing the seller of the deposit;

A delivery result notification step of the seller delivering the goods to the buyer and notifying the payment completion fact to the payment server when the delivery is completed; And

If the payment completion fact is confirmed in the payment server, characterized in that it comprises a remittance step of remitting the prepayment to the seller in the payment server.

According to the present invention as described above, the seller can be protected from the bad buyer, the buyer can be protected from the bad shopping mall can increase the completeness of the commerce, and ultimately can be expected to activate the e-commerce.

Description

Payment Server Arbitration {Electonic clearing method for improving commerce realiabilty}

The present invention provides an independent and centralized payment method for a seller and a buyer in electronic commerce using a payment server that receives a payment amount from the buyer on behalf of the buyer and transfers the deposit to the seller after completion of the product delivery. Has an electronic commerce method.

In order to facilitate the e-commerce, the business between commerce entities such as shopping malls, product suppliers, payment agencies, and consumers should be organically connected in cyberspace. However, the electronic payment field is operated in the same way as payment by bank transfer or credit card payment. Credit card payment, which is used most frequently, may misuse the information provided by the buyer due to intention or negligence of the seller. Cash payment through bank account transfer may be canceled due to the delivery or return of goods. In the case of the same transaction incomplete, the payment procedure is cumbersome, and in the case of payment using electronic money or electronic card, which is recently introduced, it is possible to deposit the current payment or add an electronic card in preparation for future purchase activities. There is a problem that must be issued as. Mutual distrust or wasteful activity in these settlements is an important obstacle in activating e-commerce as a result.

Therefore, the present invention is to solve such problems, the object of the present invention is to centrally manage the payment function through the independent payment server proven security and reliability so that the seller and buyer mutual trust, so that real-time competition is possible It is to provide a smooth electronic payment method to exclude additional activities of the buyer.

Still another object of the present invention is to provide a method in which a seller and a buyer can easily be remedied for a bad commerce by finally sending a remittance to a seller in a payment server after checking a received product.

1 is a connection diagram of an internet network in an embodiment of the present invention.

2 is a block diagram showing the configuration of a payment server according to an embodiment of the present invention.

3 is a block diagram illustrating the types of DB in one embodiment of the present invention.

Figure 4 is a payment method selection screen given to the buyer in one embodiment of the present invention.

5 is a data input screen for payment inquiry in an example of the present invention.

6 is a screen for notifying the purchaser of the successful payment of the deposit in one embodiment of the present invention and selecting a method of receiving a transaction specification for proof.

7 is a flowchart illustrating the operation of a payment server in an embodiment of the present invention.

8 is a screen illustrating a state in which a buyer orders a seller's shopping mall in an exemplary embodiment of the present invention.

9 is a screen for illustrating whether a buyer asks whether to use a payment server as a payment method in an embodiment of the present invention.

Features of the present invention for achieving the above objects,

In the payment server arbitration e-commerce method, in which a plurality of buyers and a plurality of sellers interconnected by a communication network, such as the Internet, use a single payment server, a particular buyer visits a specific seller's homepage and selects a product. , A payment step for the payment of the goods, which pays the price of the goods to the payment server; a deposit notification step of confirming the payment in the payment server and informing the seller of the payment of the goods; the seller delivers the goods to the buyer and completes the delivery. And a delivery result notification step of notifying the payment server of the completion of delivery when the delivery completion fact is recognized by the payment server, and a remittance step of transmitting the purchase price to the seller by the payment server.

In addition, the payment server in the present invention is characterized in that it further comprises a refund step to ask for the satisfaction with the goods delivered to the buyer, if the satisfaction is not returned and the refund of the goods paid in payment.

In addition, the payment server in the present invention is characterized in that it further comprises an evaluation step for evaluating the purchase of the buyer and scoring the evaluation result, and to compensate it with cash or goods.

In addition, the payment server of the present invention by investigating and evaluating the satisfaction of the buyer with respect to the seller's sale product, so that the buyer can recognize it, the buyer can identify the excellent product, and improve the quality of the seller's product It further comprises the step of inducing to be.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. First, in adding reference numerals to the elements of each drawing, it should be noted that the same elements are denoted by the same reference numerals as much as possible even if they are displayed on different drawings. In addition, in the following description there are shown a number of specific details, such as components of the specific circuit, which are provided only to help a more general understanding of the present invention that the present invention may be practiced without these specific details. It is self-evident to those of ordinary knowledge in Esau. In describing the present invention, when it is determined that a detailed description of a related known function or configuration may unnecessarily obscure the subject matter of the present invention, the detailed description thereof will be omitted.

1 is a connection diagram of an internet network in an embodiment of the present invention.

As shown in Figure 1, a number of buyers, a number of sellers, banks, credit card companies, shopping malls and other various web companies, utility companies that charge public bills, power companies and payment server 100 are interconnected by the Internet network Connected. The general consumer accesses the payment server 100 and agrees to the user's terms and conditions provided by the payment server 100, and registers as a member when he or she commits to abide by the obligations accompanying it. However, this is not a requirement of using the payment method of the present invention. Members or non-members are defined as buyers when they react to a product offered by a seller. The buyer, the general consumer, and the member always use the same interface as the terminal with internet access in order to respond to the seller's shopping mall and payment server 100. Hereinafter, for clarity, the buyer always responds to the payment server 100 through the interface. I shall do it. The same applies to sellers. In addition, the seller should be interpreted to the widest extent as a person who pursues profit by supplying tangible and intangible goods to consumers as a person who operates a member company or a personal business according to a certain procedure in the payment server 100.

Merchants are subscribed to the payment server 100, a certain area of their homepage is prepared with icons provided from the payment server 100 so that the buyer can access the payment server 100 to pay using the payment server 100. When a buyer visits a shopping mall of a seller and decides to make a purchase, and chooses to make a payment through the payment server 100, the payment server 100 presents various payment methods to the buyer, and the buyer selects a specific payment method from the payment server 100. Pay the purchase price to the payment server 100 using the method of. At this time, the payment of the buyer may take a method such as prepaying the purchase price directly to the designated account of the payment server 100. As such, when the purchase price is paid to the payment server 100, the payment server 100 notifies the seller of the payment. The seller notifies the payment server 100 when the deposit notification is transmitted from the payment server 100 and simultaneously delivers the goods ordered by the buyer. The payment server 100 verifies the correspondence between the delivery completion information sent from the seller and the purchase information previously held, and pays the seller for the purchase price when it is sure that the normal delivery and product confirmation have been made from the buyer.

2 is a block diagram showing the configuration of a payment server according to an embodiment of the present invention.

A general consumer, a seller, and a payment server 100 including a buyer are connected to the Internet by their respective interfaces, and access web pages provided by the payment server 100 using a web browser or the like. The browser is a web browser such as Microsoft's explorer or Netscape's navigator. The payment server 100 largely performs specific decisions based on information transmitted from buyers and sellers, and includes a processing system 120 having various processors for processing input information, and data transmitted from buyers and sellers or processed from processing system 120. Database system for storing

(DB system) 150 and web system 110 for managing web pages, each of the system 110, 120, 150 has a transaction 111, 121, 151 for mutual data transmission and reception.

Buyers and sellers do not have direct access to the processing system 120 and the DB system 150, but always through the web system 110. The web system 110 is in charge of the Internet service, has a web page 112, and is provided with a server engine 113 for managing it. At this time, the server engine 113 is a server that manages the web page 112 and manages each process of the web system 110. The server engine 113 requests and receives the necessary data from the processing system 120 and the DB system 150. The DB system 150 includes a DB engine 153 which is in charge of maintaining the database 154 and a search engine 152 that can quickly search for data requested by the web system 113.

3 is a block diagram illustrating the types of DB in one embodiment of the present invention.

Database (154) has the terms and conditions that allow members to be aware of the rules that apply when a member is to be observed or violate them, and the lighting that is advantageous when signing up and to decide membership. Member's DB 156 which records bibliographic details such as e-mail address and member's credit rating for the member who registered as a member, IP address, business name, address, etc. of sellers who wish to receive payment using payment server 100 of the present invention Merchant DB 157, which records the citations of the buyer, the buyer DB158 who has a record of the person who visited the merchant's shopping mall and responded to the purchase, to provide a variety of payment methods when the purchaser makes a payment to the payment server 100 for the purchased product. Payment method DB159 with various payment methods, Buyer order information DB160 ordered to the seller to purchase, Buyer to buyer Seller sales information DB161 that records the sales product history sent to the payment server 100, the payment information DB162 record the details of the purchaser paid to the payment server 100 after the order, the payment history is received from the payment server 100, Delivery information DB163 which records the completed delivery status, Payment DB164 which records this payment amount when payment is made from the payment server 100 to the seller after confirmation of product delivery from the buyer, and Return DB165 which records the return due to damage of the goods after delivery. And a refund DB166 for recording information on the amount refunded to the buyer by the return, and a point DB167 for recording the cumulative score when the buyer repeatedly uses the payment server 100 and scores it and adds it. In addition, coupon / accumulation point DB168, in which the buyer has accumulated coupons and accumulating points acquired on the Internet, and the information of the issuing issuer, is recorded, and the information that is self-evaluated at a discount rate is converted into local values. Coupon / cumulative point evaluation result DB169 is provided.

As the buyer or seller responds to the web page 112 provided through the web browser, the response information is processed in the processing system 120 and stored in the DB system 150. Therefore, a process corresponding to various DBs of the DB system 150 exists in the processing system 120. Hereinafter, an essential process of the present invention will be described, and additional processes will be described below.

In the present invention, the security process 122 is installed, to build a firewall (firewall) so that only the authorized user can access to the payment server, and to prevent the leakage of data stored in various DB through the data encryption process. By having such a security process, each seller and buyer does not need to have a security system individually, and they can trade with confidence. Since the security processor is provided as described above, the seller does not need to have a separate security processor for payment in the shopping mall.

The product confirmation process 123 compares the contents stored in the buyer's order information DB160 and the seller's sales information DB161 to determine whether the buyer and seller are appropriate for the transaction, and if there is an error between them, the buyer and the seller Inform each person so that they can correct any inappropriate matters.

In the payment process 124, when the buyer accesses the seller's shopping mall and places a product order and asks the purchaser to make a payment through the payment server 100, the payment process 124 specifies a specific method in the various payment methods DB159. Choose a payment method. At this time, the payment method may be limited to a payment method usable in an environment to which the buyer belongs, or may be selected by selecting high payment methods. When the purchaser selects a specific payment method and the purchase price is deposited according to a series of procedures, the amount of money deposited is stored in the deposit information DB162. When the buyer selects to use the payment server 100 for payment of the purchased goods, the screen as shown in FIG. 4 is provided to the buyer. The amount of payment (for example, 8,000 won) to be deposited for the product that the buyer decides to purchase appears, and the payment method can be selected. If you choose to use a credit card among the various payment methods, a page for entering credit card information as shown in FIG. 5 is displayed. In this way, if the purchase price is successfully paid according to the prescribed procedure by inputting the information provided on the page provided by the payment server 100, the corresponding product seller is notified of the payment and the corresponding product is delivered to the buyer. . In addition, by opening the page illustrated as shown in Figure 6 so that the buyer can check the payment history according to the transmission method selected.

When the seller completes the delivery of the goods paid by the purchaser, the seller transmits the fact to the payment server 100 and stores the information in the delivery information DB163. The payment processor 125 detects this information and pays the prepaid amount to the seller when it recognizes the buyer's satisfaction with the corresponding delivery.

The evaluation processor 126 inquires and evaluates the buyer's credit rating, scores it and stores it in the point DB167. In addition, the evaluation processor 125 allows the buyer to recognize by scoring and surveying the satisfaction of the buyer with respect to the seller's sales product so as to induce a result of recommending the excellent product.

The payment valuation processor 127 is a processor for evaluating and applying a discount rate such as accumulated points or gift certificates accumulated by the buyers on the Internet.

7 is a flowchart illustrating the operation of a payment server in an embodiment of the present invention.

When the buyer visits the shopping mall of the seller and logs in (71) and selects a product to purchase, the shopping mall is presented with a screen as shown in FIG. 8, and when it is checked (72), (73), and (74) as shown in FIG. A screen for selecting whether to pay using 100 is displayed (75). In the case of using the payment server 100, the payment server 100 receives the buyer's order information from the seller (76), selects a payment method as shown in FIG. 4, and determines whether the buyer can pay according to the selected payment method. (77) and (78), the payment server 100 notifies the seller of this fact when the purchase price is paid from the buyer (80). The payment method of the purchase price is a credit card payment system using a credit card, an electronic cash system or electronic check system commonly used on the Internet, a direct purchaser's account transfer to a designated account of the payment server 100, and the buyer accumulates through activities on the Internet. This can be done by making an in-kind payment such as a reward point or a gift certificate. In the case of payment using points or prize vouchers, the payment evaluation process using a discount rate is performed. It is possible to check the credit rating of the buyer stored in the buyer DB158, and bill the purchase price to the utility bill in post-payment when paying the utility bill. In this case, if the buyer's ability to pay is insufficient, it proposes a modified payment so that the payment method can be modified (79). For example, if the buyer requests a credit card payment but is notified of the suspension of the credit card transaction from the credit card company, the buyer is offered to revise the payment and select the payment method again according to the result. When the purchase price is paid to the payment server 100 from the buyer, the seller is notified of this and stored in the payment information DB163 (80). When the seller recognizes that the purchase price has been paid from the buyer to the payment server 100, the seller delivers the product to the buyer. When the delivery is completed, the payment server 100 notifies the completion of the delivery to the payment server 100, and the payment server 100 confirms this (81 ), The buyer confirms satisfaction with the delivered goods (82). If the buyer is satisfied with the delivered goods, it is terminated by sending the purchase price to the seller (83), but if the buyer is dissatisfied with the delivered goods, the buyer is asked whether to refund (84). If the refund conditions are valid (87), if the refund conditions are valid (87), refund the prepayment to the buyer and process the return of the delivered goods, and then terminate it (85). (86) The seller notifies the seller of the corrective action.

If the payment server 100 is not used in step 75, the seller and the buyer directly receive the purchase price according to the conventional method and conduct the commerce according to the existing method of delivering the product (87).

In addition, the present invention may be provided with a process to compensate the customer using the payment server 100 by quantifying the behavior of the buyer and seller in the evaluation process 126.

As described above, in the detailed description of the present invention, specific embodiments have been described, but various modifications are possible without departing from the scope of the present invention. Therefore, the scope of the present invention should not be limited to the described embodiments, but should be defined by the claims below and equivalents thereof.

According to the above configuration of the present invention, the reliability of commerce is improved by innovating from the electronic payment method (eg, icash, etc.), the payment method directly paid by the party through credit card or bank account transfer, to the centralized electronic payment method independent from the payment method. It is possible to induce activation of existing e-commerce by diversifying payment methods.

In addition, the seller can be assured from the damage of bad customers (transfer delays / false orders), and the buyer can also prevent problems related to the product quality, delivery and refund of bad shopping malls, As a result, it is possible to increase the buyer's trust in small and medium-sized shopping malls because it can be relieved from possible damages caused by misuse, and ultimately, it can be expected to activate e-commerce and establish a completely competitive market.

In addition, if a security system is provided for each shopping mall of a seller, security is made inefficiently, and resources are duplicated. By establishing a shopping mall on behalf of the small and medium shopping mall, the payment function of the present invention allows individual sellers to reduce the cost of building a shopping mall. In addition, by constructing an independent centralized payment system with a high security system, it is possible to efficiently cope with hacking or viruses, such as hacking and viruses, and to respond professionally to problems.

Claims (5)

Claims [1] An electronic commerce electronic payment method in which a plurality of buyers and a plurality of sellers are interconnected by a communication network such as the Internet using a single payment server; A goods purchaser depositing step in which a specific purchaser visits a shopping mall of a specific seller and places an order, and prepays a product price for the ordered product to the payment server; A deposit notification step of confirming the deposit of the product price from the purchaser in the payment server and notifying the fact of the deposit to the product seller; A delivery result notification step of the seller delivering the goods to the buyer and notifying the payment completion fact to the payment server when the delivery is completed; And And a remittance step of remitting the commodity price to the seller in the payment server when the delivery server recognizes the completion of the delivery. The refund method according to claim 1, wherein the payment method performs a refund examination when a refund request is made from the buyer, and if the refund is reasonable, refunds to the buyer and requests the buyer to return the goods to the buyer. And a return processing step. The method of claim 1, wherein the payment method further comprises an evaluation step of evaluating the purchase behavior of the buyer, scoring an evaluation result, and rewarding the score with cash or a product. . The method of claim 1, wherein the payment method further comprises an evaluation step of evaluating the satisfaction of each seller or sold goods by examining the satisfaction of buyers with respect to the seller or sold goods. The method of claim 1, further comprising an evaluation step of evaluating a discount rate and converting the value to a payment value when the purchaser pays the purchase price with a coupon such as a cumulative point and a gift certificate obtained at various sites on the Internet. Electronic payment method on the electronic commerce comprising a.