KR20020034643A - Service system executing as proxy for affirmation of receipt without bankbook in internet business and the method for the service - Google Patents

Abstract

The present invention relates to a non-bank pass payment confirmation service system and a service method in a commodity transaction using the Internet, the service provider granting a merchant bank account number different from each other; A customer shopping at the affiliated store; Transmitting data regarding a purchaser name of a product purchased and purchased to a service company; Depositing an item price of the shopping product to the given account number; Bringing the deposit information of the merchants' accounts periodically through the Internet banking of the service provider; Reclassifying the imported data by merchant and by deposit time; Comparing the classified data with data regarding the purchaser name and confirming a deposit; When the deposit is confirmed, the deposit details are transmitted to the shopping mall company and the customer. The system for implementing such a method includes information on merchants that have subscribed to the passbook payment confirmation agent service, that is, the name of the merchant and , A merchant database storing information about a merchant bank of the merchant, a shopping user information storage unit receiving and storing information such as the name of the product buyer and the amount to be paid from the malls of the merchant, and the merchant's A search robot that retrieves necessary information such as a depositor's name, deposit time, and deposit amount by searching an account of the bank, a bank deposit history storing unit storing information obtained by the search robot, the shopping user information storing unit and the bank A comparison analysis unit comparing the information stored in the deposit history storage unit and determining whether the information is identical; Characterized in that it comprises a transmission unit for transmitting the result value to merchants, shopping mall users, transportation companies, and other necessary companies, and if you use this system, even if you do not check and process the bank account deposit history, the deposit history is automatically As it is confirmed, it does not waste unnecessary manpower, and whether the deposit is inquired in real time makes it possible to easily grasp the financial situation of the company and to build a reliable shopping mall.

Description

Service system executing as proxy for affirmation of receipt without bankbook in internet business and the method for the service}

The present invention relates to a cyber shopping mall system, and a service shopping system for a bank account verification service in goods transactions using the Internet.

As the society develops rapidly, home shopping is gradually available, and home shopping through the Internet is in the spotlight.

In order to enable home shopping through the Internet, a server connected to the Internet and a product information database mounted on the server and containing information on products and prices should be premised in order to provide product information and price information. . Therefore, people who operate cyber shopping malls through the Internet have been operating shopping malls by purchasing Internet leased lines and shopping mall servers, or leasing servers of web hosting companies and building a product information database.

For this reason, much attention has been paid to electronic commerce applications among the online service areas on the Internet. There have been many researches and developments in the field of electronic commerce applications, especially in the payment of payment fees for information such as newspapers, magazines, articles, papers, real estate information, and payment methods for products purchased through the Internet.

In the conventional payment method, a user orders an item through the Internet, checks the price of the item, deposits the money in a bank account, and checks the money in the bank account again, and uses a security server to secure a credit card number online. A method of inputting and making a payment based on the entered number was also used. In addition, recently, as the concept of electronic money has been introduced, a method of purchasing a predetermined amount of electronic money in advance and paying the amount of this money has been introduced and used, and a payment method using a prepaid card is also used.

However, this payment method had the following problems.

In the case of a credit card, a credit card number and password must be entered, so personal information can be leaked in the process and damages can be caused. In the case of a person without a credit card, the purchase of goods is not possible. The sensor is attached, there is a disadvantage that requires a separate magnetic scanner. In addition, in case of paying through giro or unpaid deposit, there was an inconvenience of memorizing or writing down the account number and the exact amount of the shopping mall to be paid and going to the bank or processing it through PC banking or phone banking.

In addition, in the case of electronic money, there was a limitation that shopping should be conducted only with a shopping mall where the currency can be used and the inconvenience of shopping only as much as the money purchased in advance. Since they had to rely on it, one-stop shopping was not realized.

Due to this problem, the bank account is still used a lot of money, and the bank account can be deposited directly by going to the bank and entering the other party's account number, depositing the amount by phone banking, or remitting it to the other account via Internet banking. However, since it was necessary to deliver the goods after confirming that the deposit was made correctly, the shopping mall manager had to check which buyer received the deposit every hour. It is true that he avoided.

In order to solve this problem, a Cash Management Service (CMS) method may be used. The CMS method refers to providing services such as providing financial transaction information, managing funds efficiently, and replacing funds by connecting a computer of a bank and a computer or terminal of a customer through a communication line. The advantage is that the employee does this automatically without having to check the depositor, amount, and transaction details.

However, such a CMS method has a problem of having to pay a considerable amount of fees.

In addition, one of the obstacles to operating a shopping mall using the Internet is a problem of trust in a product seller. In other words, even though the buyer who purchased the goods paid for the right goods, there is a problem such that the goods are not delivered. In reality, the Internet shopping malls operated by small businesses are insured or trusted to obtain such trust. There were inconveniences such as renting and using Payment Gateway, and users had problems such as avoiding the use of small shopping malls in spite of being able to purchase goods cheaper than certain large shopping malls.

The present invention has been made in order to solve the above problems, and the first object of the present invention is to allow a payee who receives an unpaid passbook, that is, a shopping mall operator, directly check whether the money is remitted even if the money is not compared with the remitter and remittance details.

It is a second object of the present invention to secure a passage through which ordinary consumer customers can make the most secure bank account.

The third object of the present invention is the reliability of the e-commerce as the service provider delays payment for a certain period until the e-commerce is completed and after the commerce is completed or after a certain time has elapsed or settles the payment to the seller or refunds to the consumer. To improve.

Another object of the present invention will be apparent from the following examples.

1 is a system configuration according to an embodiment of the present invention

The present invention for achieving this object

A merchant database that stores information on merchants that have subscribed to the bank account deposit verification service, that is, the name of the merchant, and information about the merchant's trading bank, and the name of the product buyer from the merchant's shopping malls and the amount to be paid. Shopping user information storage unit for receiving and storing information, a search robot that retrieves the account of the merchant bank of the merchant, and obtains necessary information such as a depositor's name, deposit time, and deposit amount, and information obtained by the search robot. Bank deposit history storage unit for storing, a comparison analysis unit for comparing the information stored in the shopping user information storage unit and the bank deposit history storage unit to determine whether the match, merchants, shopping mall users, transportation Characterized in that it comprises a transmission unit for transmitting to the required companies, including the company.

The service method using such a system

The service provider giving the merchant bank account numbers different from each other;

A customer shopping at the affiliated store; Transmitting data regarding a purchaser name of a product purchased and purchased to a service company;

Depositing an item price of the shopping product to the given account number;

Bringing the deposit information of the merchants' accounts periodically through the Internet banking of the service provider;

Reclassifying the imported data by merchant and by deposit time;

Comparing the classified data with data regarding the purchaser name and confirming a deposit;

If the deposit is confirmed, transmitting the deposit history to the shopping mall company and the customer;

Characterized in that it comprises a.

Hereinafter, the present invention will be described in detail through examples.

In general, when a user makes a purchase through the Internet, the order processing screen allows the buyer to select a method of depositing, designating a bank to be deposited, and the user recording the deposit bank account number, and then calling the bank or internet banking or direct bank. In this way, the money is sent to the seller's account. When the payment is completed, the seller checks the deposit details through internet banking, phone banking or bank accounting, and checks whether the buyer and the remitter match and the amount of money. When the check confirms that the goods have been successfully paid, the goods are being delivered to the user.

The present invention is for computerizing and automating the seller confirms the payment history using the bank account, Internet banking, phone banking, etc., when the shopping mall to receive the bank account payment confirmation service to apply for service, the service server The bank account account number is assigned to the shopping mall or the bank account account number is entered, the information is stored in the merchant database, and the network is constructed using the shopping mall's server and the Internet or a value-added communication network.

When a buyer makes a purchase in the affiliated shopping mall, the buyer's name, purchase amount, amount to be remitted, purchase date, etc. are transmitted to the service server and recorded in the shopping user information storage unit. Once the purchase history is recorded in the shopping user information storage, the search robot of the service server searches the bank account deposit status of the shopping mall account at the bank of the shopping mall, and parses the pattern of bank account deposit history searched by the search robot and pattern matching. It is desirable to create and store an integrated data file without any differences between banks.

When the status of the search robot is stored in the bank deposit history storage, the comparison and analysis unit checks the remittance by comparing the buyer name and the payment amount recorded in the shopping user information storage unit with the remitter name and the remittance amount. .

Once the remittance is confirmed, the remittance can be sent to both the buyer and the seller, and the remitter can be notified directly to the goods carrier at the mall's option.

According to the present invention, the shopping mall operator can check the depositor even without confirming the bank account deposit history, so that the shopping mall user can efficiently operate the shopping mall, and the shopping mall user can purchase the goods without the need to send a deposit confirmation e-mail. This will contribute to the activation of electronic commerce.

Claims (2)

The service provider giving the merchant bank account numbers different from each other; A customer shopping at the affiliated store; Transmitting data regarding a purchaser name of a product purchased and purchased to a service company; Depositing an item price of the shopping product to the given account number; Bringing the deposit information of the merchants' accounts periodically through the Internet banking of the service provider; Reclassifying the imported data by merchant and by deposit time; Comparing the classified data with data regarding the purchaser name and confirming a deposit; If the deposit is confirmed, transmitting the deposit history to the shopping mall company and the customer; Bank pass payment confirmation agency service method comprising a A merchant database that stores information on merchants that have subscribed to the bank account deposit verification service, that is, the name of the merchant, and information about the merchant's trading bank, and the name of the product buyer from the merchant's shopping malls and the amount to be paid. Shopping user information storage unit for receiving and storing information, a search robot that retrieves the account of the merchant bank of the merchant, and obtains necessary information such as a depositor's name, deposit time, and deposit amount, and information obtained by the search robot. Bank deposit history storage unit for storing, a comparison analysis unit for comparing the information stored in the shopping user information storage unit and the bank deposit history storage unit to determine whether the match, merchants, shopping mall users, transportation Bank deposit check stand characterized in that it comprises a transmission unit for transmitting to the required companies, including businesses Row service system