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WO2006109922A1 - Method for safety paying the price of electronic commercial transaction using seller's deposit - Google Patents

Method for safety paying the price of electronic commercial transaction using seller's deposit Download PDF

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Publication number
WO2006109922A1
WO2006109922A1 PCT/KR2006/000143 KR2006000143W WO2006109922A1 WO 2006109922 A1 WO2006109922 A1 WO 2006109922A1 KR 2006000143 W KR2006000143 W KR 2006000143W WO 2006109922 A1 WO2006109922 A1 WO 2006109922A1
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WO
WIPO (PCT)
Prior art keywords
client
seller
data
purchaser
product
Prior art date
Application number
PCT/KR2006/000143
Other languages
French (fr)
Inventor
Yon-Ho Park
Original Assignee
Nr Systems, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Nr Systems, Inc. filed Critical Nr Systems, Inc.
Publication of WO2006109922A1 publication Critical patent/WO2006109922A1/en

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Classifications

    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q10/00—Administration; Management
    • G06Q10/08—Logistics, e.g. warehousing, loading or distribution; Inventory or stock management
    • G06Q10/083—Shipping
    • G06Q10/0837—Return transactions
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention relates, in general, to a secure payment method for electronic (e) -commerce transactions using a seller' s security deposit and, more particularly, to a secure payment method for e-commerce transactions using a seller' s security deposit that guarantees refunds for products purchased by purchasers from the seller via e-commerce transactions on the Internet when the purchasers request the returns of the products, thus enabling the purchasers to make secure e-commerce transactions even if the seller's credit is not verified.
  • a conventional representative electronic-commerce technology related to a method of protection for transactions is a method of protection for transactions in communication commerce using a computer network system, as disclosed in Korean Patent Application No. 10-1999-0066752.
  • This patent provides a method of protection for transactions in communication commerce, wherein at least one purchaser and at least one seller conduct a transaction using their computers through a server computer in a computer network system, in which the server computer for managing communication commerce, the purchase's computer, and the seller's computer are interconnected through a communication network, the method including the steps of: the server computer providing an environment in which the purchaser' s computer can purchase products presented by the seller's computer; the purchaser accessing the server computer using the purchaser's computer and selecting a product to purchase; the purchaser remitting a purchase amount for the selected product to a bank account designated by the server computer, and the server computer transmitting information about the product and the purchaser to the seller's computer; the purchaser transmitting information about whether the delivered product is in a satisfactory condition to the server computer if the seller has delivered the product;
  • the conventional technology allows secure e-commerce to be conducted for sellers and purchasers when an e- commerce server is used as an intermediary.
  • the seller since all transactions and payments are performed in an intermediary' s computer, the seller must entrust a specific intermediary with the registration of products and the processing of payments from the purchaser and pay a high fee at the time of desiring to sell products, so that problems occur in that the seller cannot have his or her own sales space and must be subject to the intermediary.
  • Another problem occurs in that, in the case where a purchaser pays for a product in advance and a seller delivers a product to the purchaser, it is not easy to return the product when the purchaser for some reason desires to return the product for refund.
  • Still another problem occurs in that, in the case where a seller delivers a product to a purchaser first and a purchaser pays a product price later, the purchaser' s reliable payment for the product on an agreed date cannot be guaranteed.
  • an object of the present invention is to provide a method in which, in e-commerce via the Internet, secure e- commerce transactions are guaranteed to purchasers even if the purchasers cannot trust a seller's credit, and the seller is not subject to any specific intermediary and is allowed to perform secure e-commerce transactions in his or her own sales space.
  • the present invention provides a secure payment method for e-commerce transactions using a seller' s security deposit when a purchaser client for purchasing a product and a seller client for selling the product perform an e-commerce transaction on the Internet, the method including a first step of the purchaser client acquiring data on a target product from data on a plurality of products registered in the seller client, and the seller client creating transaction data using the product data; a second step of the seller client creating security deposit data representing a fact that it has made a security deposit for a product price corresponding to a purchase price in an intermediary server; a third step of the seller client transmitting the transaction data and the security deposit data to the intermediary server and the purchaser client; a fourth step of the purchaser client accessing the intermediary server and examining the security deposit data; a fifth step of the purchaser client making a payment to the seller client with respect to the selected product data, and the seller client creating payment data; a sixth step of the seller client transmitting the payment data and product delivery data to the intermediary server;
  • the secure payment method further includes a ninth step of the purchaser client transmitting return data representing a return of the purchased product to the intermediary server; and a tenth step of the intermediary server paying the security deposit to the purchaser client.
  • the security deposit in the intermediary server is made based on a price included in the product data.
  • the purchaser client, the seller client and the intermediary server perform e-commerce transactions via the Internet and a wired/wireless communication network.
  • the intermediary server simultaneously processes security deposits in real time between a plurality of purchaser clients and a plurality of seller clients.
  • the present invention is advantageous in that refunds for returned products can be rapidly performed when transaction results are not satisfactory because purchasers cannot know a seller' s credit at the time of e-commerce transactions via the Internet, refunds can be simultaneously processed in real time when a plurality of purchasers requires refund, and the present invention can be usefully applied to the e- commerce industry.
  • FIG. 1 is a conceptual diagram illustrating a secure price payment system for e-commerce transactions using a seller' s security deposit according to a preferred embodiment of the present invention
  • FIGS. 2a and 2b are flowcharts illustrating a secure payment method for e-commerce transactions using a seller' s security deposit according to a preferred embodiment of the present invention.
  • the system includes a purchaser client manipulated by a purchaser, a seller client used by a seller, and an e-commerce server used to help the purchaser client and the seller client to conduct e-commerce transactions on the Internet.
  • the purchaser client, the seller client and the e-commerce server conduct economic transactions on an electronic space (cyberspace) , and the economic transactions are classified into Commerce AT Lightspeed (CALS) , Electronic Data Interchange (EDI) and Cyber Business (CB) .
  • CAS Commerce AT Lightspeed
  • EDI Electronic Data Interchange
  • CB Cyber Business
  • FIG. 1 is a conceptual diagram illustrating a secure price payment system for e-commerce transactions using the security deposit of a seller according to a preferred embodiment of the present invention.
  • the present invention includes a purchaser client 10, a seller client 20, and an intermediary server 30.
  • the seller client 20 inputs transaction information about a product transaction to the intermediary server 30, puts a security deposit into the account of the intermediary server 30 or a reliable organization, and then transmits the transaction information and deposit information to the purchaser client 10.
  • the intermediary server 30, or the reliable organization designated by the intermediary server 30 returns the deposit to the purchaser client 10.
  • the intermediary server 30, or the reliable organization designated by the intermediary server 30 remits the security deposit to the seller client 20.
  • the seller client 20 performs payments for purchases between a plurality of purchase clients and a plurality of seller clients, that is, purchased products
  • a seller can choose a intermediary server 30 charging the lowest intermediary fee from a plurality of reliable intermediary organizations
  • the intermediary server 30 can act as an intermediary for product sales for a plurality of sellers
  • the seller client 20 is provided with programs for general e-commerce, and a purchaser visits the purchasing website of the seller using a web browser and purchases a product.
  • Step SlO of the purchaser client acquiring data on a target product from data on a plurality of products registered in the seller client, and the seller client creating transaction data using the product data;
  • Step S20 of the seller client creating security- deposit data representing the fact that it has made a security deposit for a product price corresponding to a purchase price in the intermediary server;
  • Step S60 of the seller client transmitting the payment data and product delivery data to the intermediary server;
  • Step S70 of the purchaser client determining its degree of satisfaction with the purchased product
  • Step S90 of the purchaser client transmitting return data regarding the return of the purchased product to the intermediary server.
  • a detailed operational process performed by the secure price payment system for e-commerce transactions using the security deposit of a seller according to the preferred embodiment of present invention is as follows.
  • step SlO of the purchaser client acquiring data on a target product from data on a plurality of products registered in the seller client and the seller client creating transaction data using the product data
  • the purchaser client 10 accesses a website operated by the seller client 20 on the Internet and acquires data (data including the name and price of a product and a transaction number) on a target product of the seller client 20.
  • a transaction with the seller client 20 is established by transmitting the product data to the purchaser client 10, and accordingly, the seller client creates transaction data.
  • step S20 of the seller client creating security deposit data affirming that it has made a security deposit for the product's price corresponding to a purchase price in the intermediary server
  • the seller client 20 makes a security deposit corresponding to the price included in the product data to the intermediary server 30 or reliable organization designated by the intermediary server 30 through one of various types of payment means, and creates corresponding security deposit data so that the purchaser client 10 can make a secure e-commerce transaction.
  • step S30 of the seller client transmitting the transaction data and the security deposit data to the intermediary server and the purchaser client, the seller client 20 transmits the security deposit data to the purchaser client 10, so that a refund can be requested and received anytime the transaction results are not satisfactory at the time of an e-commerce transaction over the Internet, and the purchaser client 10 transmits transaction data related to the product purchased from the seller client 20 to the intermediary server 30, so that the intermediary server 30 stores new data in which the product included in the transaction data is combined with a corresponding price included in the security deposit data in one-to-one correspondence.
  • the new data is data that is classified to facilitate the ascertainment of purchasers, purchasing times, and purchased products when multiple purchaser clients 10 simultaneously purchase products.
  • step S40 of the purchaser client accessing the intermediary server and examining the deposit data when a plurality of purchaser clients 10 simultaneously accesses the intermediary server 30, the intermediary server 30 searches for deposit data based on transaction data indicating a product purchased by a specific purchaser client 10 from the seller client 20 and stores the deposit data, and the specific purchaser client 10 examines whether a security deposit is correct for a selected product. That is, the purchaser client 10 accesses the website of the intermediary server 30, visits a webpage used to check transaction data, and examines whether the seller client 20 has made a security deposit.
  • the purchaser client 10 makes a payment using one of the various types of payment means (Internet banking, telephone banking, electronic money, etc.) when it is determined that a security deposit amount remitted to the intermediary server 30 by the purchaser client 10 is correct.
  • the seller client 20 determines whether a payment has been made, and then creates payment data related to the payment.
  • the seller examines the product data and delivers the product selected by the purchaser, offline.
  • the purchaser client 10 accesses a website operated by the seller client 20 and makes a payment for the selected product while inputting an ID and a transaction number, thus creating payment data
  • the seller client 20 transmits the payment data to the intermediary server 30 so as to collectively manage details of transactions related to products purchased by a plurality of purchaser clients 10
  • the seller client 20 transmits respective pieces of product delivery data related to the products requested by the purchaser clients 20 to the intermediary server, and stores the data in the intermediary server so as to collectively manage any delivery troubles that may occur offline.
  • step S70 of the purchaser client determining its degree of satisfaction with the purchased product, the purchaser inputs his or her product satisfaction through the purchaser client 10 after receiving the purchased product offline.
  • An exemplary method of inputting the purchaser's degree of satisfaction is for the purchaser to select one from two website options that are presented online and classified as satisfaction with the service and dissatisfaction with the service.
  • step S80 of the intermediary server returning the security deposit to the seller client when the degree of satisfaction input by the purchaser client 10 is high, the purchaser client 10 does not request a refund from the intermediary server 30, so that the intermediary server 30 or reliable organization designated by the intermediary server 30 returns the security deposit to the seller client 20.
  • step S90 of the purchaser client transmitting return data regarding the return of the purchased product to the intermediary server when the degree of satisfaction input by the purchaser client is low, and the purchaser client 10 return data regarding the return of the purchased product to the purchaser client 20 is transmitted to the intermediary server 30, the seller client 20 receives the returned product while examining information included in the return data (data including information about a purchased product name, a purchased date, a purchaser name, a purchaser address and a purchase price) .
  • step SlOO of the intermediary server paying the deposit to the purchaser client when the intermediary server 30 receives the return data from the seller client 20, the intermediary server 30 remits the deposit to the purchaser client 10 through one of various types of payment means.

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Abstract

The present invention relates to a secure payment method for e-commerce transactions using a seller' s security deposit that guarantees refunds for products purchased by purchasers from the seller via e-commerce transactions on the Internet when the purchasers request the returns of the products, thus enabling the purchasers to make secure e-commerce transactions even if the seller' s credit is not checked. Accordingly, the present invention is advantageous in that refunds for returned products can be rapidly performed when transaction results are not satisfactory because purchasers cannot know a seller' s credit at the time of e- commerce transactions via the Internet, and refunds can be simultaneously processed in real time when a plurality of purchasers requires refund.

Description

[DESCRIPTION]
[invention Title]
METHOD FOR SAFETY PAYING THE PRICE OF ELECTRONIC COMMERCIAL TRANSACTION USING SELLER'S DEPOSIT
[Technical Field]
The present invention relates, in general, to a secure payment method for electronic (e) -commerce transactions using a seller' s security deposit and, more particularly, to a secure payment method for e-commerce transactions using a seller' s security deposit that guarantees refunds for products purchased by purchasers from the seller via e-commerce transactions on the Internet when the purchasers request the returns of the products, thus enabling the purchasers to make secure e-commerce transactions even if the seller's credit is not verified.
[Background Art]
A conventional representative electronic-commerce technology related to a method of protection for transactions is a method of protection for transactions in communication commerce using a computer network system, as disclosed in Korean Patent Application No. 10-1999-0066752. This patent provides a method of protection for transactions in communication commerce, wherein at least one purchaser and at least one seller conduct a transaction using their computers through a server computer in a computer network system, in which the server computer for managing communication commerce, the purchase's computer, and the seller's computer are interconnected through a communication network, the method including the steps of: the server computer providing an environment in which the purchaser' s computer can purchase products presented by the seller's computer; the purchaser accessing the server computer using the purchaser's computer and selecting a product to purchase; the purchaser remitting a purchase amount for the selected product to a bank account designated by the server computer, and the server computer transmitting information about the product and the purchaser to the seller's computer; the purchaser transmitting information about whether the delivered product is in a satisfactory condition to the server computer if the seller has delivered the product; and the server computer remitting the purchase price to a bank account designated by the seller if the server computer determines that the product has been normally delivered. The conventional technology allows secure e-commerce to be conducted for sellers and purchasers when an e- commerce server is used as an intermediary. However, since all transactions and payments are performed in an intermediary' s computer, the seller must entrust a specific intermediary with the registration of products and the processing of payments from the purchaser and pay a high fee at the time of desiring to sell products, so that problems occur in that the seller cannot have his or her own sales space and must be subject to the intermediary.
Another problem occurs in that that, in the case where a purchaser pays for a product in advance and a seller delivers a product to the purchaser, it is not easy to return the product when the purchaser for some reason desires to return the product for refund.
Still another problem occurs in that, in the case where a seller delivers a product to a purchaser first and a purchaser pays a product price later, the purchaser' s reliable payment for the product on an agreed date cannot be guaranteed.
[Disclosure] [Technical Problem]
Accordingly, the present invention has been made keeping in mind the above problems occurring in the prior art, and an object of the present invention is to provide a method in which, in e-commerce via the Internet, secure e- commerce transactions are guaranteed to purchasers even if the purchasers cannot trust a seller's credit, and the seller is not subject to any specific intermediary and is allowed to perform secure e-commerce transactions in his or her own sales space.
[Technical Solution]
In order to accomplish the above objects, the present invention provides a secure payment method for e-commerce transactions using a seller' s security deposit when a purchaser client for purchasing a product and a seller client for selling the product perform an e-commerce transaction on the Internet, the method including a first step of the purchaser client acquiring data on a target product from data on a plurality of products registered in the seller client, and the seller client creating transaction data using the product data; a second step of the seller client creating security deposit data representing a fact that it has made a security deposit for a product price corresponding to a purchase price in an intermediary server; a third step of the seller client transmitting the transaction data and the security deposit data to the intermediary server and the purchaser client; a fourth step of the purchaser client accessing the intermediary server and examining the security deposit data; a fifth step of the purchaser client making a payment to the seller client with respect to the selected product data, and the seller client creating payment data; a sixth step of the seller client transmitting the payment data and product delivery data to the intermediary server; a seventh step of the purchaser client determining its degree of satisfaction with the purchased product; and an eighth step of the intermediary server returning the security deposit to the seller client.
According to an embodiment of the present invention, the secure payment method further includes a ninth step of the purchaser client transmitting return data representing a return of the purchased product to the intermediary server; and a tenth step of the intermediary server paying the security deposit to the purchaser client.
According to an embodiment of the present invention, the security deposit in the intermediary server is made based on a price included in the product data.
According to an embodiment of the present invention, the purchaser client, the seller client and the intermediary server perform e-commerce transactions via the Internet and a wired/wireless communication network.
According to an embodiment of the present invention, the intermediary server simultaneously processes security deposits in real time between a plurality of purchaser clients and a plurality of seller clients.
[Advantageous Effects] As described above, the present invention is advantageous in that refunds for returned products can be rapidly performed when transaction results are not satisfactory because purchasers cannot know a seller' s credit at the time of e-commerce transactions via the Internet, refunds can be simultaneously processed in real time when a plurality of purchasers requires refund, and the present invention can be usefully applied to the e- commerce industry.
[Description of Drawings]
FIG. 1 is a conceptual diagram illustrating a secure price payment system for e-commerce transactions using a seller' s security deposit according to a preferred embodiment of the present invention; and FIGS. 2a and 2b are flowcharts illustrating a secure payment method for e-commerce transactions using a seller' s security deposit according to a preferred embodiment of the present invention.
[Best Mode] Preferred embodiments of the present invention are described in detail with reference to the accompanying drawings .
For an understanding of the present invention, the construction of a conventional e-commerce system is described first. The system includes a purchaser client manipulated by a purchaser, a seller client used by a seller, and an e-commerce server used to help the purchaser client and the seller client to conduct e-commerce transactions on the Internet. The purchaser client, the seller client and the e-commerce server conduct economic transactions on an electronic space (cyberspace) , and the economic transactions are classified into Commerce AT Lightspeed (CALS) , Electronic Data Interchange (EDI) and Cyber Business (CB) .
FIG. 1 is a conceptual diagram illustrating a secure price payment system for e-commerce transactions using the security deposit of a seller according to a preferred embodiment of the present invention. The present invention includes a purchaser client 10, a seller client 20, and an intermediary server 30. In more detail, when the purchaser client 10 selects any one of a variety of products managed by the seller client 20 and purchases the product, the seller client 20 inputs transaction information about a product transaction to the intermediary server 30, puts a security deposit into the account of the intermediary server 30 or a reliable organization, and then transmits the transaction information and deposit information to the purchaser client 10. In this case, if the purchaser client 10 desires for some reason to return the product delivered by the seller client 20, the intermediary server 30, or the reliable organization designated by the intermediary server 30, returns the deposit to the purchaser client 10. In contrast, if the delivered product is not returned, the intermediary server 30, or the reliable organization designated by the intermediary server 30, remits the security deposit to the seller client 20. As a result, secure e-commerce transactions can be conducted.
Furthermore, in the present invention, the seller client 20 performs payments for purchases between a plurality of purchase clients and a plurality of seller clients, that is, purchased products, a seller can choose a intermediary server 30 charging the lowest intermediary fee from a plurality of reliable intermediary organizations, the intermediary server 30 can act as an intermediary for product sales for a plurality of sellers, the seller client 20 is provided with programs for general e-commerce, and a purchaser visits the purchasing website of the seller using a web browser and purchases a product. FIGS. 2a and 2b are flowcharts illustrating a secure payment method for e-commerce transactions using the security deposit of a seller according to a preferred embodiment of the present invention, which can be performed through the following process: Step SlO of the purchaser client acquiring data on a target product from data on a plurality of products registered in the seller client, and the seller client creating transaction data using the product data;
Step S20 of the seller client creating security- deposit data representing the fact that it has made a security deposit for a product price corresponding to a purchase price in the intermediary server;
Step S30 of the seller client transmitting the transaction data and the security deposit data to the intermediary server and the purchaser client; Step S40 of the purchaser client accessing the intermediary server and examining the security deposit data;
Step S50 of the purchaser client making a payment to the seller client with respect to the selected product data, and the seller client creating payment data;
Step S60 of the seller client transmitting the payment data and product delivery data to the intermediary server;
Step S70 of the purchaser client determining its degree of satisfaction with the purchased product;
Step S80 of the intermediary server returning the security deposit to the seller client;
Step S90 of the purchaser client transmitting return data regarding the return of the purchased product to the intermediary server; and
Step SlOO of the intermediary server paying the security deposit to the purchaser client.
A detailed operational process performed by the secure price payment system for e-commerce transactions using the security deposit of a seller according to the preferred embodiment of present invention is as follows.
At step SlO of the purchaser client acquiring data on a target product from data on a plurality of products registered in the seller client and the seller client creating transaction data using the product data, the purchaser client 10 accesses a website operated by the seller client 20 on the Internet and acquires data (data including the name and price of a product and a transaction number) on a target product of the seller client 20. Furthermore, a transaction with the seller client 20 is established by transmitting the product data to the purchaser client 10, and accordingly, the seller client creates transaction data.
At step S20 of the seller client creating security deposit data affirming that it has made a security deposit for the product's price corresponding to a purchase price in the intermediary server, the seller client 20 makes a security deposit corresponding to the price included in the product data to the intermediary server 30 or reliable organization designated by the intermediary server 30 through one of various types of payment means, and creates corresponding security deposit data so that the purchaser client 10 can make a secure e-commerce transaction.
At step S30, of the seller client transmitting the transaction data and the security deposit data to the intermediary server and the purchaser client, the seller client 20 transmits the security deposit data to the purchaser client 10, so that a refund can be requested and received anytime the transaction results are not satisfactory at the time of an e-commerce transaction over the Internet, and the purchaser client 10 transmits transaction data related to the product purchased from the seller client 20 to the intermediary server 30, so that the intermediary server 30 stores new data in which the product included in the transaction data is combined with a corresponding price included in the security deposit data in one-to-one correspondence. The new data is data that is classified to facilitate the ascertainment of purchasers, purchasing times, and purchased products when multiple purchaser clients 10 simultaneously purchase products.
At step S40 of the purchaser client accessing the intermediary server and examining the deposit data, when a plurality of purchaser clients 10 simultaneously accesses the intermediary server 30, the intermediary server 30 searches for deposit data based on transaction data indicating a product purchased by a specific purchaser client 10 from the seller client 20 and stores the deposit data, and the specific purchaser client 10 examines whether a security deposit is correct for a selected product. That is, the purchaser client 10 accesses the website of the intermediary server 30, visits a webpage used to check transaction data, and examines whether the seller client 20 has made a security deposit.
At step S50 of the purchaser client making a payment to the seller client with respect to the product data selected from the plurality of registered data, the purchaser client 10 makes a payment using one of the various types of payment means (Internet banking, telephone banking, electronic money, etc.) when it is determined that a security deposit amount remitted to the intermediary server 30 by the purchaser client 10 is correct. In this case, the seller client 20 determines whether a payment has been made, and then creates payment data related to the payment. When the payment has been made online, the seller examines the product data and delivers the product selected by the purchaser, offline.
At step S60 of the seller client transmitting the payment data and product delivery data to the intermediary server, the purchaser client 10 accesses a website operated by the seller client 20 and makes a payment for the selected product while inputting an ID and a transaction number, thus creating payment data, and the seller client 20 transmits the payment data to the intermediary server 30 so as to collectively manage details of transactions related to products purchased by a plurality of purchaser clients 10, and the seller client 20 transmits respective pieces of product delivery data related to the products requested by the purchaser clients 20 to the intermediary server, and stores the data in the intermediary server so as to collectively manage any delivery troubles that may occur offline.
At step S70, of the purchaser client determining its degree of satisfaction with the purchased product, the purchaser inputs his or her product satisfaction through the purchaser client 10 after receiving the purchased product offline. An exemplary method of inputting the purchaser's degree of satisfaction is for the purchaser to select one from two website options that are presented online and classified as satisfaction with the service and dissatisfaction with the service.
At step S80, of the intermediary server returning the security deposit to the seller client when the degree of satisfaction input by the purchaser client 10 is high, the purchaser client 10 does not request a refund from the intermediary server 30, so that the intermediary server 30 or reliable organization designated by the intermediary server 30 returns the security deposit to the seller client 20. At step S90, of the purchaser client transmitting return data regarding the return of the purchased product to the intermediary server when the degree of satisfaction input by the purchaser client is low, and the purchaser client 10 return data regarding the return of the purchased product to the purchaser client 20 is transmitted to the intermediary server 30, the seller client 20 receives the returned product while examining information included in the return data (data including information about a purchased product name, a purchased date, a purchaser name, a purchaser address and a purchase price) . At step SlOO of the intermediary server paying the deposit to the purchaser client, when the intermediary server 30 receives the return data from the seller client 20, the intermediary server 30 remits the deposit to the purchaser client 10 through one of various types of payment means.
It is preferable to implement the secure payment method for e-commerce transactions using a seller' s security deposit using the Internet and a wired/wireless communication network It should be noted that, although the present invention has been described in detail up to now, the embodiments described above are only illustrative, not restrictive. Within the range that does not depart from the spirit or scope of the present invention provided by the following claims, the change of elements, which is equivalent to the present invention, falls within the scope of the present invention.

Claims

[CLAIMS]
[Claim 1]
A secure payment method for electronic (e-) commerce transactions using a seller's security deposit when a purchaser client for purchasing a product and a seller client for selling the product perform an e-commerce transaction on the Internet, the method comprising: a first step of the purchaser client acquiring data on a target product from data on a plurality of products registered in the seller client, and the seller client creating transaction data using the product data; a second step of the seller client creating security deposit data representing a fact that it has made a security deposit for a product price corresponding to a purchase price in an intermediary server; a third step of the seller client transmitting the transaction data and the security deposit data to the intermediary server and the purchaser client; a fourth step of the purchaser client accessing the intermediary server and examining the security deposit data; a fifth step of the purchaser client making a payment to the seller client with respect to the selected product data, and the seller client creating payment data; a sixth step of the seller client transmitting the payment data and product delivery data to the intermediary server; a seventh step of the purchaser client determining its degree of satisfaction with the purchased product; and an eighth step of the intermediary server returning the security deposit to the seller client.
[Claim 2]
The secure payment method as set forth in claim 1, further comprising: a ninth step of the purchaser client transmitting return data representing a return of the purchased product to the intermediary server; and a tenth step of the intermediary server paying the security deposit to the purchaser client.
[Claim 3] The secure payment method as set forth in claim 1, wherein the security deposit in the intermediary server is made based on a price included in the product data.
[Claim 4]
The secure payment method as set forth in claim 1, wherein the purchaser client, the seller client and the intermediary server perform e-commerce transactions via the Internet and a wired/wireless communication network. [Claim 5]
The secure payment method as set forth in claim 1, wherein the intermediary server simultaneously processes security deposits in real time between a plurality of purchaser clients and a plurality of seller clients.
PCT/KR2006/000143 2005-04-14 2006-01-13 Method for safety paying the price of electronic commercial transaction using seller's deposit WO2006109922A1 (en)

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
KR10-2005-0031131 2005-04-14
KR1020050031131A KR100523808B1 (en) 2005-04-14 2005-04-14 Method for safety paying the price of electronic commercial transaction using seller's deposit

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US20130246252A1 (en) * 2011-07-22 2013-09-19 Steven A. Ludsin Ezscrow
US20190333121A1 (en) * 2009-08-14 2019-10-31 Mousiki, Inc. System and method for acquiring, comparing and evaluating property condition

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KR101286251B1 (en) * 2012-06-08 2013-07-15 주식회사 카스닥 Method and apparatus for providing used car transaction service
KR101740879B1 (en) * 2015-06-03 2017-06-08 유귀진 Method and server for providing artcraft trading service

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KR20010082983A (en) * 2000-02-22 2001-08-31 장성동 Remittance system and method for eletronic business
KR20010114061A (en) * 2000-06-20 2001-12-29 허장현 Settlement method for transactions between remote agents through escrow and thereof system
KR20050025237A (en) * 2004-07-12 2005-03-14 송준호 Sale protection system for electronic commercial transaction of a prior security

Patent Citations (3)

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Publication number Priority date Publication date Assignee Title
KR20010082983A (en) * 2000-02-22 2001-08-31 장성동 Remittance system and method for eletronic business
KR20010114061A (en) * 2000-06-20 2001-12-29 허장현 Settlement method for transactions between remote agents through escrow and thereof system
KR20050025237A (en) * 2004-07-12 2005-03-14 송준호 Sale protection system for electronic commercial transaction of a prior security

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US20190333121A1 (en) * 2009-08-14 2019-10-31 Mousiki, Inc. System and method for acquiring, comparing and evaluating property condition
US12417475B2 (en) * 2009-08-14 2025-09-16 Mousiki Inc. System and method for acquiring, comparing and evaluating property condition
US20130246252A1 (en) * 2011-07-22 2013-09-19 Steven A. Ludsin Ezscrow

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