KR20020013196A - Method and apparatus for implementing real-time electronic commerce using electronic banking system - Google Patents

Abstract

The present invention closes the balance in real time using the electronic transfer service of the bank electronic financial system, which has the same effect as cash payments in the absence of any exposure of information on the means of payment of the trading party. It relates to a method and apparatus for electronic commerce. The present invention provides a method for receiving an order of a product from a buyer, generating an order management code indicating the order, outputting the order history to the buyer, and paying the product for payment to the electronic transfer service. And receiving information for specifying the selected electronic financial system, and confirming whether the buyer has transferred the price for the product using the electronic inquiry service of the electronic financial system.

Description

METHOD AND APPARATUS FOR IMPLEMENTING REAL-TIME ELECTRONIC COMMERCE USING ELECTRONIC BANKING SYSTEM}

The present invention relates to a method and apparatus for implementing real-time electronic commerce using an electronic banking system of a bank, and in particular, all loan relationships of electronic commerce are the same as cash payment in the absence of any information disclosure on the means of payment of a trading party. The present invention relates to a method and apparatus for electronic commerce that terminates a loan relationship in real time using an electronic transfer service of a bank electronic financial system.

In the conventional electronic commerce system, only the display device where the customer can see the product is well provided, but the payment device necessary for the transaction is not well established. As a result, even if a buyer had a good product, they did not like the payment method supported by the shopping mall, so they often did not trade. In particular, the fact that the information on the payment method must be recorded in the shopping mall operator was a decisive factor in preventing electronic commerce. Therefore, there is a problem that the electronic commerce system of the prior art inherently has a cancerous element that hinders the establishment of commerce itself.

In addition, the payment method of commerce such as credit card supported by the prior art has a structural problem that cannot close the loan relationship between the parties involved in commerce in real time. In addition, payment by using these means must be one or a large number of people to pay a significant cost to be able to trade, there was a problem that the cost saving factors peculiar to e-commerce disappears in the settlement process. Payment methods also depended on indirect payment methods, which are far from the nature of cash payments.

The bank's electronic banking system, on the other hand, provides a very good means of payment at low prices. Since the money in a bank account is the same as cash, payments made by transfers between accounts have the same effect as cash payments. Therefore, it is more powerful than credit cards, debit cards, and checks that are accepted as ordinary payment methods, and it is powerful enough not to compare with the electronic money which is a virtual currency. Nevertheless, in actual e-commerce, it has never been recognized or used as a means of electronic payment, and no efforts have been made to do so.

The problem of the conventional electronic commerce device is composed of a payment device that exposes the information on the payment means of the buyer to the shopping server operated by the e-commerce company or to leave the information, so that the buyer's willingness to purchase goods is rapidly lost. In addition, the issue of real-time closing processing was not considered from the beginning by introducing a payment method and a system in which it is difficult to close the balance between commerce officials in real time.

The present invention has been made to solve this problem, so that the purchaser of the e-commerce payment of goods purchase is made in the state that the original blockade of leaving the information about their means of payment on the server operated by the e-commerce company. It is an object of the present invention to provide a method and apparatus for real-time e-commerce that can cleanse the user of the suspicion of the disclosure of information on payment methods and concerns about the theft.

In addition, the present invention installs an online confirmation device that allows the relevant person to check in real time the progress of the entire transaction process from the order contract of the goods to the deposit, delivery, to enhance the reliability of the transaction, It is another object of the present invention to provide a method and apparatus for real-time e-commerce which can speed up the rotation speed of commerce by allowing the closing procedure to be automatically performed, thereby allowing all related loans of the e-commerce to be terminated in real time.

In addition, the present invention provides a means and method for using cash in a bank account as a payment method required for all commerce, and is prepared in terms of cost and other payment means (including electronic money) requiring cash as legal currency. It is another object of the present invention to provide a method and apparatus for transcendental electronic payment that has a faster paying ability than actual cash.

1 is a block diagram of a loan relationship termination processing system between an electronic commerce company and a buyer in a conventional electronic commerce system.

2 is a block diagram of a real-time electronic commerce system according to an embodiment of the present invention.

3 is a block diagram of an e-commerce company server according to an embodiment of the present invention.

4 is a block diagram of a buyer PC according to an embodiment of the present invention.

5 is a diagram illustrating an electronic inquiry service and an electronic transfer service of a bank electronic financial system used in the present invention.

6 is a flowchart of a real-time e-commerce method according to the present invention.

FIG. 7 is a flowchart illustrating a purchase intention processing routine of a buyer among the processing routines of the real-time e-commerce system illustrated in FIG. 6.

FIG. 8 is a flowchart showing a purchaser's intention to express contract conclusion among processing routines of the real-time electronic commerce system illustrated in FIG. 6.

9 is a flowchart illustrating a contract execution processing routine of a buyer among the processing routines of the real-time electronic commerce system shown in FIG.

FIG. 10 is a flowchart showing a purchaser's contract execution confirmation routine among the processing routines of the real-time electronic commerce system shown in FIG. 6.

FIG. 11 is a flowchart illustrating a processing routine for purchasing customer debts of an electronic commerce company among the processing routines of the real-time electronic commerce system illustrated in FIG. 6.

FIG. 12 is a flowchart illustrating other related debt execution processing routines of an electronic commerce company among the processing routines of the real-time electronic commerce system shown in FIG. 6.

FIG. 13 is a diagram for describing a process of real-time electronic commerce according to an embodiment of the present invention. FIG.

14 is a view for explaining a process of real-time electronic commerce according to another embodiment of the present invention.

In order to achieve the object as described above, the present invention, by using the electronic banking system of the bank that provides the electronic transfer service and electronic inquiry service to configure the device so that the buyer can perform real-time electronic commerce, and the buyer within the device There is a device for generating transfer management code that is linked to the product order application contents in real time, and then a commerce contract execution routine is set up under the condition that the buyer must use the code generated by the device for electronic financial transfer for contract execution. Only the buyer who has gone through the routine will be provided with the system's operating routine of the bank's electronic banking system, and the electronic banking transfer required for the buyer's contract execution will be made by the buyer by directly accessing the bank's electronic banking system. I would like to have information about Sudan exposed to the server device of the e-commerce company. During the blockade, the e-commerce company's server system creates a deposit management DB for checking whether the buyer has fulfilled the contract and at the same time performs a real-time e-financial inquiry to the bank selected by the buyer. After saving the result on the server, create a separate inquiry management DB and compare the contents of the deposit management DB with the contents of the inquiry management DB based on the transfer management code. It is characterized in that the real-time confirmation of the payment of the payment of the buyer without exposing the information on the means of payment of the buyer by the real-time determination (payment real-time confirmation device).

In addition, in the implementation of the above-described commerce contract, the present invention is to transfer the buyer's contract performance confirmed by the process to the banking online corner, so that the e-commerce company's debt buying process can proceed automatically. By designing the device, according to the design, each step-by-step process related to the delivery is registered in real time at the delivery online corner on the server linked with the product provider and the shipper's PC. It is another feature that allows to identify the real time (a real-time check device of the delivery progress).

In addition, the real-time electronic commerce according to the present invention is a contract conclusion phase with the buyer, the buyer's contract implementation and the contract performance confirmation step of the electronic commerce company, the customer's debt performance stage of the electronic commerce company. It is divided into the debt supplier stage of the e-commerce company and the contractor's debt performance stage, and each stage has to confirm the contract performance so that it can move to the next stage. Real-time check device of contract loan performance).

In addition, the present invention is a method for terminating the lending relationship between economic agents required in electronic commerce, by systematically restricting the cash in the bank to use only the method in which the economic subject directly inquires and moves through the electronic financial system. The elimination of the huge cost payments that must be made when using other credit payment methods, while at the same time limiting the limitations of the time and space payments of other non-cash currencies through the electronic payment method of ultra-fast transfer of cash in banks. Another feature is the low cost ultra fast cash payment system.

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention; Although different drawings, like elements are denoted by like reference numerals. The embodiments of the present invention described herein are merely for explaining the present invention, and thus the scope of the present invention is not defined. The scope of the invention is defined by the appended claims.

1 is a configuration diagram of a system for terminating the lending relationship between an electronic commerce company and a buyer in a conventional electronic commerce system. 1A shows a conventional payment method using a credit card. In the case of credit card payment, the purchaser 112 connects to the server 120 of the e-commerce company 118 with the PC 114 to purchase goods, and the credit card 122 is used as a means for the payment 116. By choice, the balance between the buyer and the e-commerce company is terminated. However, in order for the e-commerce company to use it as money, it is necessary to collect credits to the credit card company 124 so that the card company deposits the money deposited into the buyer's transaction account 130 in the bank 126. ) Can be cashed only if there is a procedure for transferring to the trading account 132 of the e-commerce company.

Therefore, from an e-commerce company's point of view, credit cards can never be a means of real-time loan settlement. In addition, the credit card has a burden of paying 5% or more of the selling price to the card company and the payment server, and there is a risk of the buyer canceling the use of the card. It becomes the culprit of insolvency. In the case of Dacom, payment is made once a month. The bigger problem, however, is that in many cases, the buyer side is reluctant to enter the credit card number on the commerce server at the time of payment. Because of this, a variety of security techniques are emerging, but it is clear that if a number is entered on a commerce company's server, the record must remain within the commerce company, and as long as the credit card cannot close the real-time balance, the commerce company will use that number. There is a fundamental contradiction that must be kept because it must be charged. Therefore, a buyer who is bankrupt about a commerce company never buys with a credit card. This is the cause of e-commerce contraction.

Figure 1b shows a conventional payment method by debit card. If the payment method selected by the buyer is a debit card, the electronic commerce company may receive a real-time transfer from the buyer's transaction account 130 to the commerce company's transaction account 132 through the computer server 128 of the bank. Therefore, the loan relationship with the buyer can be terminated in real time. However, the problem is that there are not many users of debit cards, and they also have to pay 2% of the selling price as a commission (actually equal to the credit card and pay more than 5%), and as with credit cards, there is a risk of cancellation. . In addition, as in the case of the credit card, the purchaser cannot expose the card number because the inquiry itself is impossible like the credit card unless the card number is written on the server and the password, which is a safe device, is not included. Therefore, in e-commerce, credit and debit cards or traces are inevitable, and buyers are not welcomed. In addition, there are frequent cases of accidents, which are obstacles to the activation of electronic commerce.

Figure 1c shows a conventional payment method using a passbook. Payment method by bankbook payment is when the buyer selects bankbook payment as the payment method. This method is preferred to the purchaser over the card because there is no description on the server and the commerce company is preferred because there is no cost. This method has the same effect as a cash transaction because it is deposited directly into a bank account unlike the card method. Therefore, payment ability is much better than the card. Nevertheless, this method is not established as a general payment method of e-commerce as expected. This is because the buyer has no information exposure and is safer than the card, but it is inconvenient to separate purchase and payment separately. In other words, the purchase of goods on the system, but the payment has to go through a separate payment process, the time gap of payment confirmation and the buyer's confirmation of the subsequent processing is opaque. This occurs because the commerce company does not confirm the processing process for each payment method selected by the buyer in advance, and does not use the bank's electronic banking system to check the payment in real time. In other words, e-commerce companies do not recognize the differentiation of these payment methods even though card payments and unpaid deposits should be distinguished. Therefore, the unpaid deposit is eroding its practical value due to the ignorance of the commerce device.

Figure 1d shows a conventional payment method using electronic money. Electronic money payment method is a new payment method recently introduced to make up for the shortcomings of credit cards and unpaid deposits. This method occurs when a buyer gives cash 130 from the electronic money company 166, purchases the electronic money 164, and uses it as a payment method of commerce. In this case, the electronic commerce company must go through the collection process for the electronic money company so that the cash of the trading account 168 of the electronic money company can be deposited into the account 132 of the electronic commerce company. In this way too, the real-time termination of the balance is difficult. However, compared to the above-described method, the purchaser is preferred because the risk of exposure of information of the payment means is relatively small, but the trading unit is insignificant. Moreover, it is difficult to generalize for the time being because it is not used for anything other than e-commerce.

2 is a block diagram of a real-time electronic commerce system according to an embodiment of the present invention. Via the communication network 202, the server 120 of the e-commerce company, the buyer PC 114, the product provider PC 204, the shipper PC 206, and the computer server 128 of the bank are connected to each other, You can send and receive data. As the communication network, a public network, a dedicated line, a cellular, a personal communication system (PCS), a microwave, or a satellite network may be used.

3 is a block diagram of an e-commerce company server according to an embodiment of the present invention. As shown in FIG. 3, the server 120 includes a CPU 302, an encryption processor 304, a RAM 306, a ROM 307, an operating system 312, a network interface 314, and a data storage device 316. ) Is included.

An existing personal computer or computer workstation with sufficient memory and processing power can be used as the server 120. As the CPU 302, a Pentium microprocessor such as a 100 MHz P54C manufactured by Intel Inc. may be used. The Motorola 120 MHz PowerPC 604 or Sun Microsystems 166 MHz UltraSPARC-I can also be used as the CPU 302.

An MC68HC16 microcontroller, typically manufactured by Motorola Inc., may be used as the cryptographic processor 304. Cryptographic processor 304 not only supports authenticating communications from buyers, banks, commodity suppliers and shippers, but also allows anonymous transactions to be made. The cryptographic processor 304 may be configured as part of the CPU 302. Other commercially available cryptographic processors include 33 MHz 6868 from VLSI Technology or 40 MHz Roadrunner 284 from Semaphore Communications.

3, the data storage device 316 may use not only a hard disk but also a CD-ROM drive or a flash memory. Data storage device 316 is a database used to process the transaction of the present invention, for example, product information DB 318, customer information DB 320, company information DB 322, order management DB 324, order Contract information DB (326), buyer deposit management DB (328), buyer inquiry management DB (330), logistics information DB (332), delivery information DB (334), delivery management DB (336), payment management DB (338) Is saving. You can use database software, such as Oracle7, manufactured by Oracle Coporation to create and manage these databases.

The product information DB 318 is a database of all the information on the products to be displayed on the server as a product code, company name, product name, market price, supply price, sale price, supply quantity, inventory quantity, sales quantity, product specification, product It consists of items such as photograph, delivery condition, delivery schedule, commodity supply address, supply post code, name of logistics base used, contact e-mail and payment terms. The contents of some of these items are displayed on the server in the format for the buyer. This product information DB 318 is generally prepared and entered by an electronic commerce company at the conclusion of a supply contract with a product supplier. However, if negotiated, some items may be entered online by the supplier's server connection.

On the other hand, the product delivery conditions in the product information DB 318 is usually different depending on the type of goods, inventory quantity and the situation of the use logistics base. Therefore, the real-time concept of delivery in the present invention is intended to be used to mean as much as possible to reduce the normal time of delivery from the goods supplier to the buyer. The amount of time reduction depends on the quantity of inventory and the operation of the logistics base. In business-to-business (B2B) commerce, it is common to run a logistics base that does not exceed 24 hours after ordering. However, in the case of B2C (business to consumer) commerce, it is difficult to uniformize because the variation is large depending on the region and traffic volume.

The customer information DB 320 has different configuration items according to the case of a general individual customer and a company customer. In case of individual customer, it consists of items such as customer ID, password, e-mail, social security number, name, address, zip code, telephone number, mobile phone, occupation, electronic banking method, and other special items. If you are a business customer, customer ID, password, business number, business name, address, zip code, business name, social security number, bank, business code, business phone, business FAX, mobile phone, e-mail, homepage, electronic banking method, etc. It is composed of items such as special points, so that the characteristics of B2C and B2B e-commerce can be reflected on the server device. The information of each item is obtained by directly inputting a personal or corporate customer immediately before accessing the server device to register or place an order.

The company information DB 322 is a DB created at the conclusion of a contract with a company in the course of commerce preparation, and the configuration items of the DB vary depending on the case where the company is a product supplier and a product delivery company. If the company is a commodity supplier, company ID, password, company email, company code, business number, trade name, business address, business post code, business name, social security number, payment terms, bank, account number, business code, business DB consists of items such as phone, company FAX, company homepage, name of contact person, contact phone, contact mobile phone, and contact email. If the company is a shipping company, the company ID, password, company e-mail, registration code, business number, trade name, business address, business post code, business owner name, social security number, payment terms, bank, account number, fee conditions, DB consists of items such as company phone, company FAX, company homepage, delivery schedule, logistics base name, logistics base address, logistics base post code, contact person name, contact phone, contact mobile phone, and contact email. The DB 322 is conventionally created by input by an e-commerce company in consultation with a company. However, some items may be directly inputted by the company's server connection.

The order management DB 324 is a DB automatically generated from the product information DB 318, the customer information DB 320, the company information DB 322 by the server device in accordance with the buyer's order signal, the customer's order signal It is a temporary DB device that responds quickly and organizes relevant data necessary for order processing. The configuration items of the order management DB (324) include the order time, order date, temporary order number, customer ID, order product code, order product name, sale price (order price), order quantity, order amount, consignee name, billing address, Receipt Post code, Order Natural Lock E-mail, Delivery Schedule, Company Code, Supplier ID, Supply Price, Sales Quantity (Order Quantity), Inventory Quantity, Supplier Payment Terms, Supplier Bank, Supplier Account Number, Supplier Contact Person, Supplier Contact Phone, Supplier FAX, Shipper ID, Commodity Supply Address, Supply Zip Code, Logistics Base Name, Logistics Base Address, Logistics Base Post Code, Fee Terms, Shipper Payment Terms, Shipper Transaction Bank, Shipper Account Number , Shipper contact name, shipper contact e-mail, shipper contact phone, and shipper FAX. Among these, items generated by the orderer are generated by customer ID, order quantity, consignee's name, unsubmitted address, unsubmitted postal code number, and other items are automatically generated by the server device from the information DB (318, 320, 322). Is generated. These items accumulate every time an order is generated, resulting in a huge amount of data being generated. However, in practice, since the order contents are managed by the product code and the company code, the cumulative data amount is not so large unless the change of these codes and the new input items of the orderer are added. That is, in most cases, the accumulation of temporary order number, customer ID, order product code, company code, order quantity, order amount and so on. Characteristic of the order management DB 324 is a temporary order number for each order is generated and converted to the order management code for each order by the server device, the order management code for each orderer of each order, the order total amount of each order, order management code, etc. If you create a transfer management code that works together, including order-specific, per-company order contract information DB (326) will be created and destroyed.

As described above, the order contract information DB 326 executes the order contract result and contract execution with the orderer and other commerce related parties when the server apparatus can no longer generate the order management transfer code from the order management DB 324. This is the order-related DB that is finally created for ordering, and it is possible to smoothly supply the order information DB for each orderer to facilitate the confirmation of the order history with the orderer, the conclusion of the contract with the orderer, and the smooth execution of the contract. There is a contract information DB for each product provider and a contract information database for each supplier to pay and smoothly handle the goods delivery service required for the execution of the contract with the orderer. The feature of this DB 326 is that it is automatically generated and stored by the server device without any external input. Now, if you look at the configuration items of each DB in turn, the contract information DB by orderer is the order date, order time, customer ID, order product name, order quantity, order amount, shipping schedule, consignee name, mailing address, mailing post code, contact It consists of e-mail, contact phone, contact mobile phone, transaction code (order management code) and transfer code (transfer management code). Contract information DB by supplier includes date, company ID, product code, supply quantity (order quantity), supply amount (supply price x order quantity), supply address, supply post code, logistics base name, logistics base address, logistics base It consists of postal code, delivery schedule, supply code (order management code), contact person name, contact e-mail, contact phone, contact mobile phone, company FAX, payment terms, bank and account number. Contract information DB by shipper includes date, company ID, shipping code (order management code), unit of delivery, delivery quantity, delivery schedule, contact person name, contact e-mail, contact phone, contact mobile phone, company FAX, payment terms, It consists of bank, account number, fee condition, supply address, supply post code, logistics base name, logistics base address, logistics base post code, consignee's name, mailing address and mailing post code.

The purchaser deposit management DB 328 is automatically generated by the server apparatus from the order contract information DB after the customer's transfer agreement, and the contract date, customer ID, deposit account number, transfer amount, transfer code (transfer management code), etc. It consists of the items.

The purchaser inquiry management DB 330 is automatically generated based on the result of the bank deposit inquiry by the server device to confirm whether the contract is fulfilled. The deposit date, the customer ID, the deposit account number, the deposit amount, and the transfer code (transfer management code) ), Etc.

Regarding the delivery of the goods, the delivery company will change the delivery unit and the quantity of delivery according to the goods, and the fee rate will be changed accordingly. Since payment conditions of product suppliers and delivery companies are often based on separate contracts, there are few cases of real-time execution of each order. Therefore, it is desirable to be treated differently from the payment terms of the purchaser. However, in the present invention, in order to show that real-time payment is possible through the banking transfer of the electronic commerce company, the balance of payment for the electronic commerce company, the product supplier, and the product delivery company, the transaction bank and the trading account are used as one of the item configurations. Indeed, an e-commerce company may open a separate trading account for a commodity supplier and a shipping provider for a bank account, and transfer funds in real time on every order, and then pay the money from these accounts when they request a deposit.

Logistics information DB (332) is a DB created by the e-commerce company by input separately for the efficiency of logistics management, logistics base name, logistics base address, warehouse information, transportation means, transportation time, packaging method, product code, receipt quantity It consists of items such as shipment quantity, inventory quantity, person in charge, contact e-mail, contact phone, contact mobile phone and contact fax.

The delivery information DB 334 is a DB automatically generated from the order contract information DB 326 and the logistics information DB 332 by the server device for efficient delivery processing after the transfer agreement of the customer is made. It consists of items such as company code, product code, quantity, product supply address, logistics base name, consignee's name, receiving address, contact person's name, contact e-mail, contact phone, contact mobile phone and contact fax. The feature of this DB 334 is that the delivery management DB 336 is created as a temporary DB device for efficient delivery processing, and disappears when it is confirmed that the delivery completion step of the DB items is completed.

The delivery management DB 336 checks whether the customer's contract is performed by comparing the contents of the purchaser's deposit management DB 328 and the purchaser's inquiry management DB 330, and then automatically generates a server device for the debt execution of the e-commerce company. Contract, date and time of delivery, date and time of delivery, customer ID, product code, quantity, product supplier code, product supply address, shipper code, name of logistics base, consignee's name, mailing address, contact person's name, contact e-mail, contact It consists of items such as telephone, contact mobile phone, contact FAX, delivery instruction stage, supplier stage, delivery stage, delivery completion stage, and payment fulfillment stage.

The payment management DB 338 checks the result of the comparison between the purchaser's deposit management DB 328 and the buyer's inquiry management DB 330 and the result of the delivery management DB 336 by the server device to confirm the closing process of the balance of the commerce. DB is automatically generated based on the transaction date, transaction history, management code, deposit amount, payment amount, special items, etc.

The network interface 314 is a gateway that communicates with the buyer, the product provider, the shipper, and the bank through the buyer PC 114, the product provider PC 204, the shipper PC 206, and the bank's computer server 128. Conventional internal and external modems can act as network interface 445. In a preferred embodiment, the network interface 314 is combined with the Internet and / or commercial online services such as AmericaOnline, CompuServe or Prodigy.

Although the above embodiment discloses that the server 120 is configured as a single computer, those skilled in the art will appreciate that the functions of the server 120 can be distributed among multiple computers. In one embodiment, server 120 is configured in a distributed fashion, in which the database and processor are housed in separate devices or locations. Each of these multiple computers is attached to a hub or switch or the like that acts as a communication link. This configuration provides a more dynamic and variable system that is less susceptible to catastrophic failures that affect the entire system.

4 is a block diagram of a buyer PC according to an embodiment of the present invention. The purchaser PC 114 interfaces with the server 120 of the electronic commerce company and the computer server 128 of the bank supporting the financial support system. Instead of a PC, a personal digital assistant (PDA), cellular phone, PCS phone, pager, or the like may also be used.

4, CPU 402, RAM 406, ROM 408, input device 409, video driver 410, video monitor 412, clock 414, communication port 416, modem 418 And a purchaser PC 114 having a data storage device 422. Cryptographic processor 420 may be added for authentication.

Configuration items of the message DB 424 stored in the data storage device 422 include order date and time, product name, price, quantity, amount, consignee's name, receiving address, contact e-mail, contact phone, transfer code, and the like.

The DB 424 of these data is automatically generated by the server 120 of the e-commerce company and sent to each PC by e-mail or web mail, but may be shared through the construction of a web page. In particular, in a B2B transaction, the sharing of the DB through the web page format between the server 120, the product provider PC 204, and the shipper PC 206 is an essential factor.

The product supplier PC 204 and the shipper PC 206 may also be configured in the same manner as the purchaser PC 114. However, since the product providers and delivery companies have different roles in e-commerce, there are differences in the items of DB used. That is, the configuration items of the DB to be used in the product supplier PC 204 include the transaction date, product name, supply price, supply quantity, supply amount, product supply destination, logistics base name, delivery conditions, supply code (order management code), contact person Name, contact e-mail, contact phone, contact mobile phone, company FAX, transaction bank, account number, etc. The configuration items of the DB to be used in the delivery PC (206), shipping code (order management code), name of the logistics base used, goods Supply address, delivery unit, delivery quantity, consignee's name, receiving address, contact person's name, contact e-mail, contact phone, company FAX, bank, account number.

5 is a diagram illustrating an electronic inquiry service and an electronic transfer service of a bank electronic financial system used in an embodiment of the present invention. The bank's electronic banking system includes an Internet banking system that performs electronic banking by accessing the packet network 620 through a PC 114 and a PC banking system that performs electronic banking by accessing the public network 646. There is a telebanking system for electronic banking using voice and a screen phone banking system for electronic banking using text and voice simultaneously. Here, the configuration of the electronic banking system will be explained using only a case of using a PC.

The Internet banking system shown in FIG. 5A is connected to the computer server 128 of the bank through the packet network 520 to the PC 114 held by the Internet banking member, and inquires the deposit balance or deposit and withdrawal history of the withdrawal account 536 of the member. It refers to the bank's customer electronic financial service support system that allows the user to transfer (518) or transfer money (518) from the member's withdrawal account (536) to the person's or another's deposit account (538). In this case, the bank logs in to the separate authentication server 526 (522, 524) to check the identity of the visitor to reduce the risk of the stage area of the Internet network 520, and the corresponding bank access Only the accessor who has passed through the second screen process of receiving the bank's unique certificate 528 from the authentication server 526 is authorized to log in to the computer server 128 of the bank (530), and log in (530). It is configured to conduct electronic banking under a very strict security system that allows only members who have passed through the program. In addition, in the case of bank transfer, a bank account must be entered under a security code 534 provided on a separate security card 532 so that the bank transfer can be authorized to access the bank's computer server 128. It is configured to be performed.

On the other hand, the PC banking system shown in Figure 5b is that the PC banking member accesses the computer server 128 of the bank through the public network 546, and the first screen process and the bank computer server to log in 544 when the public network (546) connected When the user accesses the user interface (128), the user can log in (530) only the second screen process, as in the Internet banking system shown in FIG. 5A, to inquire (516) the member's withdrawal account (536) or transfer (518) to another account (538). It refers to a bank's electronic financial services support system that allows it to do so. Of course, at this time, the transfer is possible only when the security code 534 on the security card 532 provided separately by the bank. PC banking system has the disadvantage that screen process is one step lower than Internet banking system, but it is still composed of strong security system.

Here, it is necessary to examine the characteristics of the electronic transfer service supported by the bank's Internet banking system or PC banking system. Account transfer in a bank means that the cash entrusted by the customer moves along the account in the bank. If the owners of the accounts are different, it can be seen that account transfers are the same as cash payments on the market, except that the transfer of cash is done in the bank. In other words, it is possible to make a payment by changing the cash payment from the general market into the account payment in the bank. To do so, both parties must have an account with the bank. There has never been an e-commerce system that takes advantage of these features. A truly absurd reality of e-commerce, chasing only fake money without real money (cash) is taking place.

6 is a flowchart of a real-time e-commerce method according to an embodiment of the present invention. FIG. 6 is a flowchart showing that e-commerce can be continued in real time as long as the device is not stopped even when a plurality of accessors simultaneously access assuming that e-commerce is operated by a real-time device. When the real-time device is activated (600), the buyer initiates a commerce by accessing the server of the e-commerce company (602), and selects a favorite item from the displayed items and adds it to the shopping cart (604). After making a promise to the e-commerce company to secure the ownership of the product (606), the buyer includes the transfer control code and transfers it from his account to the e-commerce company's account, as promised by the e-commerce company. When the financial transfer is made (608), the e-commerce company compares and confirms the purchaser's deposit management DB (328) and the purchaser's inquiry management DB (330) generated as a result of the electronic financial inquiry to see whether the buyer made the payment as promised ( 610) As a result, if it is determined that the buyer has paid, the e-commerce company fulfills its debt (delivery of goods) (612, 614) and terminates the transaction with the buyer (61). 6). This flow indicates that the loan relationship between the e-commerce company and the buyer, initiated by the buyer's connection, can be processed in real time throughout the process from occurrence to termination.

If multiple buyers connect simultaneously, each buyer will repeat the steps as described above. However, this repetition is only possible if the e-commerce company has a continuous purchase of goods to be provided to the buyer and payment to the shipper. FIG. 6 shows that the lending of the e-commerce company must be terminated (614), together with the completion of the payment of the customer debt (612), so that all the lending of the e-commerce company can be terminated (616), which does not stop the system (618). It confirms that it can continue in real time.

FIG. 7 is a flowchart illustrating a purchase intention processing routine of a buyer among the processing routines of the real-time e-commerce system illustrated in FIG. 6. The purchaser's purchase intention processing routine 604 retrieves the goods displayed on the web page (702), then selects the product (706) through the login (704) process, and requests the order (708) to the server (120). ) Receives and processes the order (710). The detailed process 711 creates an order management DB 322 based on the product information DB 318, the customer information DB 320, the company information DB 322, the code generation device in the system to manage the order for each order Code 720 and the transfer management code 722 linked thereto is generated to generate the order contract information DB (326). At this time, if the order continues (726), this process is repeated, when the order is completed, the order history 729 is output (728) on the web page and the orderer confirms the details (742). The output details 729 include a date 730, an ID 732, an item name 734, a quantity 736, an amount 738, and a transaction code 740. If the output details are not satisfactory, the modification processing routine 744 can be stepped on, and the details can be output 750 to confirm 752 again. Since this process can not be repeated indefinitely, the modification is limited to one time and terminates the connection if two times (754). The contents of the correction routine (745) consists of quantity adjustment (746) and item addition (748).

In FIG. 7, the order management code 720 of an orderer is named a transaction code for a customer, a supply code for a supplier, and a shipping code for a delivery company. This is because the order management code is an internal management code of an e-commerce company, and thus it needs to be distinguished from a name used when dealing with other commercial entities. The code number is also given to the actual code number in consideration of the consistency of the transaction and the discrimination of the subject. In addition, since the transfer management code 722 of the e-commerce company becomes a transfer code from the orderer's point of view, the same code is used for convenience of subject classification.

FIG. 8 is a flowchart showing a purchaser's intention to express contract conclusion among processing routines of the real-time electronic commerce system illustrated in FIG. 6. The purchaser's decision making processing routine 606 is for limiting the payment method to the transfer of cash in the bank, that is, the electronic banking transfer. Internet banking (804), PC banking (806), telebanking (808), and screen phone banking One of the transfer methods of (810) must be selected (802) so that a user who does not have electronic banking can configure the system at all. When the transfer method is selected, the accessor selects a bank which he / she wants to trade among the various banks 813, in order to prevent the change in the transfer amount by inducing the accessor to carry out the transfer. When the bank is selected, the transfer condition 814 of the e-commerce company composed of the deposit account number, the transfer amount (order amount), and the client's summary (transfer management code) is output, and the user agrees to the condition (818). If agreed, the output is converted (820) to the bank's electronic financial screen, otherwise the transaction is terminated (822).

9 is a flowchart illustrating a contract execution processing routine of a buyer among the processing routines of the real-time electronic commerce system shown in FIG. The purchaser's contract execution processing routine 608 is a login 904 procedure in the bank's electronic financial system in which a visitor who has accepted the conditions as described above with reference to FIG. 8 is converted and outputted by the server 120 of the e-commerce company. A banking transfer is carried out via 906 and the connection is terminated 922. The process of banking transfer 907 enters the code on the security card 532 (534), and enters the transfer contents (912) consisting of a withdrawal account number, unit password, deposit account number, transfer amount, client summary, transfer password. In operation 910, the input contents are checked by the contents 916 outputted from the computer server of the bank (914). If there is no error, the transfer is instructed and the result is output again on the screen (918). . In addition to the purchaser's input, the withdrawal amount, the remittance fee, and the name of the person to be received are added to the confirmation item 920 of the input content output from the bank computer server 128 by the input. Account owner name, tracking number and processing date and time are added. In this case, the contents of the deposit account number, the transfer amount, and the client's brief should be the same as the transfer condition 816 of FIG. 8.

As such, the electronic payment method of the buyer using cash transfer in the bank is not as secure as the conventional card payment method, and since it uses the computer server of the bank directly without using the web server of the e-commerce company. There is no room for exposing or leaving information about the payment method on the e-commerce company's web server, and since there is no cost like a card, the product can be purchased at least 5% cheaper than a card payment. .

FIG. 10 is a flowchart showing a purchaser's contract execution confirmation routine among the processing routines of the real-time electronic commerce system shown in FIG. 6. The contract execution confirmation processing routine 610 of the buyer first extracts the contents necessary for the purchaser deposit management from the order contract information DB 326 generated by the order processing routine of FIG. 7 and generates the buyer deposit management DB 328 (1102). On the other hand, through the routine (1006) for the electronic financial inquiry processing (or banking deposit inquiry processing) to create a buyer inquiry management DB 330 of the contents that can be compared with the contents 328 of the buyer deposit management DB (328) 1010, and then, the routine 1034 for comparing the contents of the two DBs determines whether or not the deposit is made, and transfers the result to the banking online 1044 corner, while deposit confirmation 1042 is processed. Configure the step to run.

The contents of the e-financial inquiry processing routine consist of the e-commerce company accessing the bank, logging in, and ending the connection via the deposit inquiry processing routine 1006. The inquiry input contents of the deposit inquiry processing routine consist of account number, full equipment password, start date of inquiry, and end date of inquiry. Accordingly, the contents output from the computerized server of the bank are account number, current balance, name of the account holder (e-commerce company), and date. It consists of deposit amount (transfer amount), summary (transfer management code), and inquiry date and time. On the other hand, the web server adds a separate procedure for storing the output content in order to increase the efficiency of the real-time inquiry to use the generated data of the buyer inquiry management DB (330). The contents of the purchase inquiry management DB (330) includes the deposit account number, the transfer code, the deposit amount, the deposit date, and the inquiry date and time. The contents of the purchase inquiry management DB (1132) and the buyer inquiry management DB (328) If they match, it is determined that the money is deposited.

FIG. 11 is a flowchart illustrating a processing routine for purchasing customer debts of an electronic commerce company among the processing routines of the real-time electronic commerce system illustrated in FIG. 6. The e-commerce company is obliged to deliver the contracted goods from the time the customer confirms the deposit. The processing routine 612 sends the delivery instruction to the goods supplier and the shipper (1102), the shipper delivers the goods transferred by the goods supplier to the logistics base from the logistics base to the buyer (1112) and receives a receipt from the buyer ( 1114) Submitting it to the e-commerce company (1116) consists in confirming the delivery (1118) by receipt of the receipt. However, this process is configured to enable real-time confirmation processing by the operation of the delivery online corner. That is, each process from the time of ordering the delivery, the time when the goods supplier transfers the goods to the logistics base, the time when the shipper delivers the goods from the logistics base, and the time when the buyer takes over the goods and just before submitting the receipt to the e-commerce company It is configured to be processed by real-time registration to the server 120 delivery online by the product supplier, the delivery company, and / or the buyer and automatic transmission of the real-time registration request message by the server 120 when not registered. In the present invention, since the system is designed to prevent the transfer to the next step in case of non-registration, payment is not made when the product supplier or the delivery company does not register. Therefore, there is no need to worry about unregistered. The sending of messaging and the real-time processing of the result of the web server that prompts the registration at the time of non-registration can be performed by PC, telephone, mobile phone, and fax.

In this embodiment, it is assumed that the product supplier transfers the ordered product to the logistics base, and the delivery company delivers the transferred product to the buyer. However, the present invention is not limited to this case alone, and includes a case in which the product supplier directly delivers the product to the buyer or the delivery company directly delivers the product to the buyer without the intervention of the product supplier.

FIG. 12 is a flowchart illustrating other related debt performance processing routines of the electronic commerce company among the processing routines of the real-time electronic commerce system shown in FIG. 6. Other related debt performance routines of the e-commerce company (614) used e-finance to solve the problem of the e-commerce company's execution of the debt with the buyer, but the debt problem for other commerce related parties in the process was not solved. It consists of a process. This routine consists of connecting to the corresponding bank (1202), logging in (1204), and ending the connection (1228) via the banking transfer processing routine (1206) to the shipper and the product supplier. The banking transfer processing routine inputs the security code on the security card provided by the bank (1210), and transfers the contents (1216) consisting of withdrawal account number, equipment password, deposit account number, transfer amount, client's summary, and transfer password. After the input 1214, the input contents are confirmed 1218 by the contents 1220 outputted from the computer server of the bank. If there is no error, the transfer contents are instructed and the result is displayed again for confirmation 1222. After the process of outputting the data to the server and stores the output (1216). The output from the bank computer server is added with the withdrawal amount, the remittance fee and the name of the person to receive in addition to the input when checking the input contents, and the withdrawal account owner name, the deposit account owner name, transaction processing number and processing date are added when checking the transfer result. By doing so, it minimizes the risk of electronic payments through cash transfers in banks. In this case, the transfer account should be made in two cases because the trading account of the shipper and the trading account of the product provider are different. Except for this point, the remaining basic iserutine is the same as that of FIG. Only through this process will all of the e-commerce lending related to the e-commerce company be virtually terminated.

Hereinafter, the operation of the real-time electronic commerce system according to the present invention will be described with reference to FIGS. 13 and 14. 13 is a view for explaining the overall operation when the PC banking transfer is used over the public network according to an embodiment of the present invention. The purchaser accesses the server 120 operated by the e-commerce company by using a personal computer (114), which is a member of a PC banking member who is an individual or a business, searches for a product (702) displayed on a web page (702), and retrieves the product. In order to purchase a product through a login (704) procedure, a desired product is selected (706), and an order application (708) is issued, the internal order processing system 1314 of the server 120 provides a product information DB 318 and a customer information DB. (320), while creating an order management DB 324 based on the company information DB (320), the code generation device 1324 in the system generates an order management code 720 for each order and the order management DB (324) At the same time, the transfer management code 722 based on the order management code 720 is generated and stored in the order contract information DB 326 by orderer (1334) and company (1336), and the order form (1337) is created. . At this time, if the buyer continues to place an order, this process is repeated, and when the order is terminated (1340), the order history of the orderer is output on the web page (728), and the orderer confirms the purchase history (742). A screen for selecting a method and a screen for selecting a bank of a visitor are successively outputted. When one of the output banks is selected, the transfer management code 722, the total amount of the transfer and the bank account number of the e-commerce company are transferred to the screen. A condition 814 is output, asking if you would like to accept the condition. When signaled that the terms are agreed, the server 120 registers the contract with the banking online corner on the web page, operates the delivery management processing process 1372 and the deposit management processing process 1358, and simultaneously selects the PC selected by the buyer. The conversation with the visitor is terminated by switching to the banking bank screen. Then, the buyer directly accesses the public network 546 of the corresponding bank, inputs the code number 534 on the security card 532, and performs a PC banking transfer including a transfer management code as promised by the e-commerce company. (1354) transfers the funds to the designated account (1356) of the commerce company.

Meanwhile, the server of the e-commerce company generates the buyer deposit management DB 328 so that the buyer can perform the deposit management processing 1358 during the PC banking transfer, and at the same time, perform banking inquiry 1136 to the bank. Save and generate a buyer inquiry management DB (330) based on this, and compares the contents with the buyer deposit management DB (328) (1066) to determine whether the buyer fulfills the contract. The key to the comparison is whether the transfer management code matches. The comparison results are registered in real time on the banking online corner of the web page. When the purchaser confirms that the deposit is made as promised (1042), the deposit is transferred to the payment management DB (338), and at the same time, the server enters the operation of the delivery processing system (1384) for processing the debt performance of the electronic commerce company. The banking online corner is designed with an ON / OFF traffic light system so as to grasp the progress of the purchase contract in real time together with the shipping online corner described below.

The delivery processing system 1384 of the present invention is automatically generated based on the order contract information DB 326 and the logistics information DB 332 by a delivery management process 1372 which is operated at the same time as the purchase agreement of the buyer. The delivery instruction 1102 is started based on the information DB 334. That is, the server 120 instructs the PC 204 of the product provider 1108 and the PC 206 of the shipper 1106 by email, and at the same time, generates a delivery management DB 336 and delivers the shipment online on the web page. The content is registered in the corner 1380. The information sent to the goods supplier is to transfer the goods to the logistics base 1110 according to the attached document 1335 and register the result at the corner of the delivery online 1380. The contents sent to the delivery provider are the logistics base 1110. ) To receive the goods and deliver them to the buyer and to confirm the delivery and delivery results through the registration in the delivery online corner 1380. The delivery online corner 1380 on the web page is designed as a server-client system in which the PCs of the supplier and the shipper are interlocked with each other around the server, and the contents of the registration of the delivery online corner are checked by the server with a certain time difference. In the case of an unregistered, a separate message is urged to be sent automatically to the supplier and / or the shipper for its implementation. In this case, PC, telephone, fax, mobile phone, etc. can all be used in the automatic messaging and turning system.

The delivery of goods may change from time to time depending on the type of goods, stock quantity, logistics base and traffic conditions. Therefore, in the present invention, in order to streamline the delivery of goods in real time, the arrangement of the goods (logistics base), the quantity of stock, the delivery time, the real-time confirmation procedures and methods in case of non-compliance are agreed with the supplier and the shipper in advance, According to the present invention, conditions for real-time goods delivery and confirmation methods for non-compliance, etc. shall be formed by the buyer checking the goods at the time of product search and accepting the conditions at the time of conclusion of the contract. Delivery of goods plays a crucial role in delivery area, delivery volume, delivery time and delivery schedule. In addition, the shipping schedule will vary according to the buyer's contract time and products. Therefore, in the present invention, the principle of real-time delivery is used to check the delivery progress every hour before the next delivery schedule is determined from the delivery schedule determined at the time of the purchaser's contract, and this method is used. .

When the shipper confirms the fact that the shipper has been delivered online (1118), the server 120 registers the fact in the delivery management DB 336, and the banking transfer system for performing the debt to the goods supplier and the shipper (1392). It is supposed to operate. When the banking transfer system 1392 is operated, the e-commerce company connects to the computer server 128 of the bank and enters the product provider's information from the withdrawal management account 1395 of the e-commerce company through the code input 534 on the security card 532. Transfer of funds to the trading account 1396 and the shipper's trading account 1397 completely terminates all loan relationships. At this time, it is preferable that the e-commerce company manages the account separately from the deposit management account and the withdrawal management account for convenience of management, and transfer between the two accounts is performed only when necessary according to the signal of the payment management DB 338. to be.

The method and apparatus of the electronic commerce according to the present invention can close all the loan relations among the commerce parties in real time by unifying all payment means to cash in a bank and moving the funds in real time within a bank account. There is an advantage. And unlike other e-commerce systems, buyers don't have to expose information about their payment methods, and they can benefit from the price cuts that occur because they don't have the same monetization costs as on their cards. It provides the convenience of making the necessary transactions (both real and financial) using the electronic media (PC, phone, mobile phone, etc.) that they have without going to the bank anytime and anywhere. Therefore, since the electronic commerce system according to the present invention provides a method and a means for using cash without cash, it greatly increases the speed of material circulation through the promotion of transactions, and greatly reduces the social cost of transactions. have.

14 is a view for explaining the overall operation of the real-time e-commerce system according to the present invention when the server 120 of the e-commerce company is configured as a web server. Even if the server 120 of the e-commerce company is configured as a web server, the operation is the same as described with reference to FIG. 13. However, since the network used is not the public network but the Internet, the speed is high and the multiple access is possible, so the real-time e-commerce implementation is much wider and easier. In this case, however, there is a restriction that a separate certification process must be performed in electronic banking. In the public network, only the public network login procedure and the bank login procedure passed during the banking inquiry and transfer, but in the Internet network, a separate certificate 528 must be attached from the authentication server 526, and the banking inquiry 516 and banking transfer 518 must be attached. It has the advantage that security is more thorough because it is possible. In addition, the banking online corner (770) and the delivery online corner (1380) has a separate complaint corner or objection corner, etc., the advantage of narrowing the distance far more than the customer, and can make the composition of the webpage much more diverse Compared to PC banking, processing is much wider and there is much room for expansion. Of course, in case of PC banking, it is easy to access because it uses public network, but packet network is relatively expensive, but it will be easy to expand the base of user base with the advancement of communication facilities. In addition, in the business-to-business transaction method that requires a large amount of data transmission, the cost creation can be made cheaper by increasing the value creation output, and e-commerce using internet banking will soon become a generalized form.

According to the present invention, all parties involved in the commerce eliminate the risk of exposing information on their own means of payment during electronic commerce, and do not pay the cost of cashing, and from the inconvenience and time and space constraints related to the payment of commerce. There is a liberation effect. In addition, the payment of all commerce using the present invention has the same effect as real-time cash (legal) payment, and the reliability of e-commerce by allowing all loan relationships between e-commerce parties to be terminated in real time through the present invention. There is an effect that greatly affects the uplift and activation.

Claims (21)

In a method for real-time electronic commerce using a computer using an electronic banking system that provides an electronic inquiry service and an electronic transfer service, ① receiving a product order from the buyer, ② generating an order management code indicating the order, and outputting the order history to the buyer; (3) receiving information for specifying an electronic banking system selected by the buyer to pay for the goods to the electronic transfer service; ④ confirming whether the buyer has transferred the goods for the goods by using the electronic inquiry service of the electronic financial system; Real-time e-commerce method comprising a. The method of claim 1, ② step of generating the order management code and outputs the order history to the buyer Generating an order management code according to the order; Generating a transfer management code linked to the order management code; If the order by the buyer continues to generate an order management code for a new order and to update the transfer management code, and if the order is finished outputting the order history Real-time e-commerce method comprising a. The method of claim 2, Real-time e-commerce method further comprising the step of modifying the order history. The method of claim 1, Step ③ to receive information specifying the electronic financial system Real-time e-commerce method, characterized in that the buyer receives the information to select one of the transfer method of Internet banking, PC banking, telebanking, screen phone banking. The method of claim 4, wherein Real-time electronic commerce method comprising the step of receiving a transaction bank from the buyer. The method of claim 5, And outputting a transfer condition including the deposit account number, the transfer amount, and the transfer management code to the buyer. The method of claim 6, Outputting information to the buyer asking whether the buyer agrees to the transfer condition; And if the buyer agrees, outputting the electronic banking system to the buyer, and if the buyer does not agree, ending the procedure for the order. The method of claim 2, ④ step to check whether the transfer Generating a purchase payment management database managed by the transfer management code from the order contract information database; Generating a purchaser inquiry management database managed by the transfer management code according to the electronic transfer service of the electronic banking system; Comparing the buyer deposit management database with the buyer inquiry management database using the transfer management code to determine whether the buyer has transferred; Real-time e-commerce method comprising a. The method of claim 1, The computer has a display device, And if the electronic transfer from the purchaser is confirmed, displaying the transfer fact on the display device of the computer. The method of claim 1, Outputting a delivery instruction to a product supplier and a delivery company when the electronic transfer from the buyer is confirmed; Receiving information indicating that the product supplier transfers the product to a logistics base; Receiving, by the delivery company, information indicating that the buyer delivers the goods from the logistics base; And receiving information indicating that the buyer has received the product. The output step of the delivery instruction, the input step of the goods transport information, the input step of the goods delivery information, the input step of the goods acquisition information is a real-time e-commerce method characterized in that is performed sequentially. The method of claim 10, The input step of the product transfer information, Outputting a delivery instruction, but the product transfer information is not input from the product supplier for a predetermined period, real-time electronic commerce method comprising the step of outputting information requesting the input of the product delivery information to the product supplier . The method of claim 11, Input step of the product delivery information, If the product delivery information is received from the product supplier, but the product delivery information is not input from the delivery company for a predetermined period, further comprising the step of outputting information requesting the delivery of the product delivery information to the delivery company; Real-time e-commerce method. The method of claim 12, The input step of the product acquisition information, If the product delivery information is received from the delivery company, but the product acquisition information is not input from the buyer for a predetermined period, further comprising the step of outputting the information to the buyer requesting the input of the product acquisition information; Real-time e-commerce method. The method of claim 10, The computer has a display device, And displaying the facts on the display device of the computer when each of the output step of the delivery instruction, the input of goods transfer information, the input of goods delivery information, and the input of goods receipt information are performed. Real-time e-commerce method. The method of claim 10, After the step of receiving the product acquisition information is performed, using the electronic transfer service of a predetermined electronic banking system to pay for the goods supply and delivery to the goods supplier and the shipper respectively Real-time e-commerce method, characterized in that performed. The method of claim 1, Outputting a delivery instruction to a shipper when the electronic transfer from the buyer is confirmed; Receiving information informing that the shipper delivers the goods to the buyer; And receiving information indicating that the buyer has received the product. The output step of the delivery instruction, the input step of the goods delivery information, the input step of the goods acquisition information is a real-time e-commerce method characterized in that is performed sequentially. The method of claim 1, Outputting a delivery instruction to a product supplier when the electronic transfer from the buyer is confirmed; Receiving information indicating that the product supplier delivers the product to the buyer; And receiving information indicating that the buyer has received the product. The output step of the delivery instruction, the input step of the goods delivery information, the input step of the goods acquisition information is a real-time e-commerce method characterized in that is performed sequentially. An apparatus for real-time electronic commerce using an electronic banking system that provides an electronic inquiry service and an electronic transfer service, Storage, A processor connected to the storage device; The storage device stores a program for controlling the processor, The processor is with the program Ⓐ receiving an order of goods from the buyer, Ⓑ generating a transfer management code indicating the order and outputting it to the buyer; Ⓒ receiving information for specifying an electronic banking system selected by the buyer to pay for the goods to the electronic transfer service; Ⓓ checking whether the buyer has transferred the goods for the goods by using the electronic inquiry service of the electronic financial system Real-time e-commerce system, characterized in that performing. The method of claim 18, It further includes a display device And if the electronic transfer from the purchaser is confirmed, the processor further performs the step of displaying the transfer fact on the display device together with the program. The method of claim 18, The processor is with the program Outputting a delivery instruction to a product supplier and a delivery company when the electronic transfer from the buyer is confirmed; Receiving information indicating that the product supplier transfers the product to a logistics base; Receiving, by the delivery company, information indicating that the buyer delivers the goods from the logistics base; Performing the step of receiving the information informing that the buyer has received the goods; And the output step of the delivery instruction, the input step of the goods transfer information, the input step of the goods delivery information, and the input step of the goods acquisition information are sequentially performed. The method of claim 18, It further includes a display device When each of the output step of the delivery instruction, the input step of the goods transfer information, the input step of the goods delivery information, the input step of the goods acquisition information is performed, the processor displays the fact on the display device together with the program. Real-time e-commerce system, characterized in that to further perform.