KR20000063676A - Internet trade enhancing purchaser's security - Google Patents

Abstract

PURPOSE: An internet electronic commerce transaction having a reinforced password protection function of a buyer is provided for protecting a financial secrete of a remote buyer and increasing a convenience of an electronic commerce transaction. CONSTITUTION: A buyer turns on a computer(S17) and is connected with an internet(S18) and is connected with a home page of a certain seller(S19) for thereby selecting a certain item(S20). In a home page host computer of a seller, when a buyer expresses an intention to buy an internet(S21), an item information displayed on a screen of a computer of the buyer and a buying intention of the buyer are checked for thereby providing a buyer ID number(S22).

Description

Internet trade enhancing purchaser's security}

The present invention relates to electronic commerce using the Internet, and more particularly, to provide financial information, which the buyer must provide to close the transaction, directly to the seller's Internet site, but through the credit card company that the buyer deals with. It's about commerce.

Currently, the payment method for paying for the most used commodity in the electronic commerce using the Internet is by credit card.

Hereinafter, a description will be given with reference to the accompanying drawings with respect to the prior art Internet credit transactions and payment methods using a credit card.

1 is a block diagram showing an internet credit transaction and an electronic payment apparatus for an internet e-commerce.

Figure 2 is a flow chart illustrating a method for e-commerce credit transactions and electronic payments according to the prior art.

As shown in FIG. 1, the Internet e-commerce is a transaction relationship between a buyer, a seller, and a credit card company, which are necessary elements for using a general credit card. Particularly, the transaction of goods between a buyer and a seller is performed through the Internet.

Buyer as described herein refers to all cases, such as a person or a company that purchases goods and pays money for it in an internet commerce, and seller refers to all individuals who hand over goods and receive payment. In general, the term "goods" refers to any type of goods provided in the above trading relationship, or anything that is the actual object of economic transactions such as intangible technology provision and information provision.

In addition, the credit transaction financial company described herein refers to a company that enables financial transactions with the credit of the customer, namely a credit card company, and refers to a financial company that functions in addition to the credit card company. Below, we use credit card companies and their credit card numbers issued to their customers.

The seller host computer described below refers to a computer with an Internet homepage containing information about the seller's goods and a computer that can make financial transactions with a credit card company.

Here, the address refers to the address of a computer that can be connected by wire or wirelessly, and typically means an Internet address.

2 shows a development process of a goods transaction using a conventional Internet.

When purchasing a product using the Internet (S1), the buyer first accesses the Internet using a computer (S2), and then accesses the seller's Internet homepage (2) providing a desired product (S3), Select a product to purchase (S4).

After designating the desired product, the purchase intention is transmitted according to the format required by the seller's homepage (S5).

The seller host receiving the intention to purchase the product requests personal information of the buyer, such as a place where the goods should be delivered to the buyer's computer, and also requests a payment method (S6).

The buyer determines the payment method together with the personal information such as the place where the goods will be delivered (S7).

When the buyer selects the credit card payment method, the seller requests the buyer to enter the credit card number (S8).

The buyer who is requested to enter the credit card number enters and transmits the credit card number to be settled (S9).

In this state, the decision on the purchase and reservation method of the purchase of goods through the Internet between the buyer and the seller is finished, and the buyer may disconnect the seller's homepage.

The seller requests the credit card company 3 to pay the goods according to the entered credit card number.

The credit card company pays the seller after checking the credit relationship (S13).

In parallel with this or after confirming the credit relationship or receiving the payment, the seller sends the goods to the buyer (S11) and the buyer receives the goods (S12).

Or they may send the goods in advance before making a check with a credit card company.

The credit card company notifies the buyer of the credit transaction occurrence and requests payment (S14).

The purchaser pays the credit card company through automatic bank transfer or bank (S15) and the transaction using the Internet is terminated (S16).

In this way, by enabling the electronic commerce easily through the Internet, the buyer of goods can facilitate the transaction of the goods through a computer, the seller can sell the goods to all classes using the Internet with a computer.

However, the electronic commerce using the Internet according to the related art described above has the following problems.

First, the buyer must enter the buyer's credit card number directly on the seller's homepage. This exposes the buyer's credit card number and risks misuse.

Second, the buyer does not enter a password other than the credit card number, so if someone knows the buyer's credit card number, it can be used arbitrarily for e-commerce.

Third, the purchaser must record personal details such as the telephone number of the buyer and the address to which the goods should be delivered, in addition to entering the credit card number, thereby increasing the risk of personal information leakage and increasing the inconvenience.

Fourth, there is a time loss as the seller has to request credit information from the card company and request payment of the goods again after receiving the purchaser's credit card number.

Accordingly, the present invention has been made to solve the above problems, the object of the present invention is to enhance the confidentiality of the buyer and to increase the ease of use.

In addition, it is possible to evaluate the credit settlement immediately on the Internet e-commerce, thereby increasing the speed of the sales and purchasing process.

In addition, the present invention can prevent the buyer's information is indiscriminately provided to the seller by separating the Internet address for the buyer to purchase the goods and the Internet address for providing his information in the Internet commerce.

In addition, the present invention allows the buyer to register the minimum information on the Internet e-commerce, such as the delivery place of the goods associated with their credit card number to the credit card company, and to provide the information to the seller at the credit card company in the Internet e-commerce By doing so, it is less troublesome to input personal information such as the place of purchase of goods on the seller's homepage.

1 is a block diagram showing an internet credit and electronic payment device

2 is a flowchart illustrating an internet credit transaction and an electronic payment apparatus according to the prior art.

3 is a flowchart illustrating an internet credit transaction and an electronic payment method according to the present invention.

* Explanation of symbols for main parts of the drawings

1: Buyer Computer 2: Seller Homepage Host Computer

3: credit card company host computer

The characteristics of the Internet e-commerce according to the present invention for achieving the above object is that the seller provides the buyer identification number to the buyer when the buyer expresses his intention to purchase the goods.

The buyer identification number is located on the seller's homepage, along with the seller's homepage information that the credit card company can recognize, or the seller's Internet e-commerce address, or information about the type and price of the item the buyer wishes to purchase. The temporary number assigned by the seller to the buyer is added to identify the specific buyer who initiated the e-commerce transaction.

The seller's homepage information or the seller's computer e-commerce address, as recognized by the credit card company, includes information about the address where the seller's database contains information about the item selected by the buyer.

The buyer accesses the Internet homepage of the credit card company that he wants to pay and sends the card number and password.

After checking the card number and password, the credit card company notifies the purchaser who is currently connected to the Internet if the transaction is possible.

The purchaser provides the credit card company with the buyer identification number given by the seller after the above procedure.

The credit card company has pre-registered information to be provided to the seller when he / she wants to purchase the goods, such as a predetermined delivery location, and the credit card company can send it to the seller after the purchaser authentication.

If the buyer wishes to deliver the goods to an address different from the registered address for the purpose of giving a gift, he or she may only enter the address to be delivered at this stage. The address to be delivered can also be entered directly at the request of the seller's homepage.

The credit card company accesses the seller's host computer by referring to the seller's homepage address information in the purchaser identification number.

The credit card company also notifies the seller of the buyer temporary number in the buyer identification number through the seller's host computer.

The seller's host computer matches the buyer's temporary number provided by the credit card company with the buyer's temporary number recorded on the seller's host computer and calculates the price and the buyer's purchases.

The credit card company will provide the seller with the buyer's information such as whether the buyer can do credit and the place of delivery.

Based on this information, the seller initiates a specific commodity trading relationship of the Internet e-commerce.

The advantage of a buyer identification number is that, from the buyer's point of view, you have a different access to the seller's homepage where you are buying the goods and the credit card company that provides your information. By providing the buyer identification number to the buyer and using it to make a financial transaction through an existing financial institution, the buyer's confidentiality is prevented and the buyer's information is leaked indiscriminately.

In particular, to prevent their financial relationship information, for example, credit card number is exposed to the seller.

An embodiment of Internet e-commerce using a buyer identification number as described in FIG. 3 is described below.

The buyer turns on the computer (S17), starts the Internet (S18), accesses the specific seller's homepage (S19), and selects a desired item (S20).

In the homepage host computer of the seller, when the purchaser indicates a purchase intention for a specific item (S21), the purchaser confirms the purchase intention of the purchaser with the item information selected on the purchaser's computer screen, and then assigns a purchaser identification number (S22).

The buyer identification number will be used by the credit card company until the end of the e-commerce transaction for a particular buyer to distinguish the buyer from the seller's host computer address, which contains information about the buyer's goods and prices. The buyer temporary number is included.

The Internet address of the seller's host computer is the address from which the credit card company and the seller can make electronic financial payments.

For example, if the seller's company name is audioworld and the homepage address is www.audioworld.com, the temporary number that audioworld assigns to a buyer who wants to purchase a product by accessing the homepage is, for example, buyer temporary number 123, The accompanying buyer identification number is www.audioworld.com::123.

In this case, if the homepage address where the seller makes a financial transaction with the credit card company is located in the subdirectory, for example, the address of the subdirectory is www.audioworld.com/credittrade, the temporary number assigned to the buyer is, for example, the buyer temporary number 123. , The buyer identification number it provides is www.audioworld.com/credittrade::123.

The number separated by the symbol :: is a temporary buyer number.

If not separated by a symbol, the homepage address and the buyer's temporary number must be entered separately.

In addition, even if you do not have an internet address on the seller's homepage, the seller has information about the buyer, and the credit card company's host computer can access the seller's host computer to send and receive information about the buyer. This is the address of the host computer of the seller who can communicate.

In this embodiment, the seller's address is the seller's homepage address provided by the buyer. In addition, the buyer provides the user by using various pre-registered numbers or a combination of numbers and letters that allow the credit card company to recognize the seller's host computer. There is also a way to compare with an address.

The seller's host computer address and buyer's temporary number may be separated by special symbols, or otherwise provided, in advance between the credit card company and the seller.

After confirming the purchase intention of goods through the Internet e-commerce between the buyer and the seller and providing the buyer identification number of the seller, the buyer accesses the Internet homepage of the credit card company (S23) and enters the credit card number and password (S24). .

The financial transaction host computer of the credit card company checks the credit card number and the password and checks the buyer's credit if it matches (S25).

As a next procedure, the purchaser enters the purchaser identification number, that is, the seller's homepage address and the purchaser's temporary number, which are assigned to the homepage of the credit card company (S26).

For example, enter www.audioworld.com::123.

The credit card company separates the seller's website address from the buyer's temporary number by a special symbol attached to the website address.

The credit card company accesses the seller's Internet host computer according to the seller's information contained in the buyer identification number entered by the buyer (S27), and mutually confirms with the seller host computer about the buyer identified by the buyer temporary number (S27). S28) With the credit transaction confirmation message, information such as the buyer's name and address to be delivered is sent (S29).

The seller's website asks the current buyer about the accuracy of the above information, and if the buyer is correct, the buyer sends a confirmation signal (S30).

At this stage, the communication between the buyer and seller of purchase of goods through the Internet and the approval thereof are decided.

After this step, the buyer may disconnect from the seller's homepage.

The seller requests payment to the credit card company, that is, the credit card company (S33).

In parallel with this, the seller sends the goods to the buyer (S31).

The buyer receives the goods (S32) and the credit card company notifies the buyer after payment to the seller (S34).

The buyer pays the goods to the credit card company (S35) and the Internet e-commerce is terminated (S36).

As can be seen in the above case, by allowing the buyer to separately access the Internet homepage where the purchaser buys the goods and the homepage of the credit card company providing the information, it is possible to prevent the buyer's information from being indiscriminately exposed.

Another embodiment of this is that the purchaser can complete the goods purchase process by providing the credit card company with the purchaser identification number given by the seller over the telephone.

When using a telephone, the buyer identification number is a combination of numbers and special symbols that can be entered on the telephone.

In this case, the risk of personal information exposure is further reduced by not using a computer.

Another example of this is that the buyer can use the bank in which he owns the bank, not the credit card company that provided the credit card. The buyer receives the buyer identification number from the Internet e-commerce seller and accesses the bank with which he / she transacts through the Internet, enters the bank account number and the bank account number of the transaction, and provides the buyer identification number. After checking the balance, the bank connects to the seller's host computer and pays by direct debit or the like through the financial transaction approval process.

Another embodiment of this is to separately pass through the relay host computer of the financial transaction relay company for card payment. The role of the relay host computer is the relay between the buyer and the host computer of the credit card company. The buyer does not send the buyer identification number directly to the card company, but to the relay host computer. The relay host computer then accesses the card company's host computer to find out the credit status based on the buyer's card number, and sends the transaction approval to the seller's host computer. At this time, the relay host computer may be registered with the purchaser as a member in advance, such as a delivery address of the buyer registered in advance.

The advantage of this method is that the construction cost is low because the e-commerce system does not need to change the payment system of all the card companies, but only the host computer is allowed to access the card company.

Another embodiment of the method using a relay host computer is that it may facilitate transactions with banks. Instead of using a traditional credit card, you enter your bank account number directly on the Internet and then trade. In this case, the transit host computer can directly reduce the transaction fee because the relay host computer obtains the information directly from the account number of the buyer's bank account and checks the credit. At this point, the buyer is given a buyer temporary number from the seller and sent to the relay host computer along with the bank account number. With this information, the relay host computer first contacts the bank, checks the balance or credit, and then notifies the merchant host computer whether the transaction has been approved.

In fact, each time you repeat these transactions, you do not have to enter your credit card number or bank account number, but if the buyer chooses the Buy button, the credit card number or bank account number is pre-populated and the buyer identification number given by the seller must be recorded separately. It's ready to send automatically, with no need to enter your credit card or passbook password. This process can be selected by the buyer by setting options.

To enhance the security and stability of Internet e-commerce, the credit card company, bank or relay site's Internet address is registered in advance on the seller's host computer. Or check the address of the relay site, you can check whether it is a normal financial transaction. In this regard, encryption for the transmission of data and information can use a variety of well-known methods.

In addition to the present method using the purchaser identification number, the following utilization may be added.

The advantage of this approach is that the buyer does not send the information directly to the seller, but the seller must send the buyer's identification number to the buyer and the buyer must send it to the credit card company or financial institution in order for the transaction to be completed. You have the right to choose a buyer's identification number before sending it to the financial institution. In order to utilize this, when the buyer sends the buyer identification number to the seller, the goods information including price information may be attached to the goods selected by the buyer. The buyer can save the information as a database file or display it on the screen and request information about the item to be purchased from another seller's site selling the same item. By comparing the product information provided by different seller sites, the buyer selects the item to be finally purchased based on his or her taste, quality or price, and sends the identification number of the selected item to the credit card company. The goods information provided from the seller can be used as authentication data after the buyer receives the goods, whether they match the requested goods.

Another embodiment of the present patent is to directly register a personal ID that matches the card number in the Internet transaction with a credit card company and register a password accordingly so that it is not necessary to directly enter the card number. Personal ID consists of a combination of letters and numbers. The server computer database of the credit card company that performs the transaction matches the personal ID with the card number to verify credit status so that normal card transactions can be made. It is used as a password to verify the personal ID without having to match the password.

The advantage of this case is that even if the card is lost or the password of the card is exposed, the secret about financial transactions is not exposed because the personal ID must be entered on the Internet.

As described above, the Internet e-commerce and payment method using the purchaser identification number according to the present invention has the following effects.

First, the buyer selects the item to purchase from the seller's homepage and the financial transaction for the purchase of the product is effected by separating the purchase and the financial transaction through a credit card company, thereby preventing the risk of indiscriminate leakage of the buyer's credit information.

Second, the credit card company immediately informs the seller whether the buyer can make a credit transaction, so that the seller can immediately decide on the transaction.

Third, the buyer simply enters the purchaser identification number given by the seller to the credit card company, and other information is entered in advance to the credit card company, so that the credit card company provides the seller directly to the seller. The hassle of having to enter a delivery address.

Fourth, the buyer can easily compare the product information provided from different seller sites, it is possible to purchase more economical goods.

Those skilled in the art will appreciate that various changes and modifications can be made without departing from the spirit of the present invention.

Therefore, the technical scope of the present invention should not be limited to the contents described in the embodiments, but should be defined by the claims.

Claims (11)

In the e-commerce of buying and selling goods through the Internet, A step 1 in which a buyer selects an item to purchase by accessing the seller's homepage through the Internet A second step in which the seller provides the buyer identification number to the buyer who wants to purchase the goods by accessing the seller's homepage; Buyer accesses the credit card company's Internet homepage and notifies the card number and password, and the credit card company verifies the matched card number and password and verifies the credit status. A fourth step in which the buyer provides the buyer identification number assigned by the seller to the credit card company's Internet homepage, After the fourth step, the credit card company connects the seller's host computer with the purchaser's identification number entered by the buyer, and provides the purchaser's credit information and the information about the delivery of the goods previously input based on the identification number. With 5 steps The seller's host computer matches the buyer identification number provided by the credit card company with the buyer identification number recorded on the seller's host computer to identify the buyer. Internet e-commerce method characterized in that the information requested by the buyer identified in the above step is requested to the credit card company and the decision to send the goods to the buyer. The buyer identification number of claim 1, wherein the buyer identification number includes a seller internet e-commerce address that can recognize the seller host computer so that the credit card company can contact the seller host computer and provide the buyer's financial relationship information. Internet e-commerce method characterized in that it comprises a temporary number assigned to the buyer by the seller to recognize the information and the buyer information about the goods to be purchased on the Internet e-commerce homepage. 3. The method of claim 2, wherein the merchant e-commerce address and the temporary number, which are components of the purchaser identification number, are separated by special symbols recognizable by the credit card company host computer. The method of claim 1, wherein the method of accessing the Internet homepage of the credit card company by the buyer in the third step includes a method of directly accessing the homepage of the buyer or automatically accessing the homepage when the buyer identification number is assigned. Internet e-commerce method characterized in that The Internet electronic commerce method according to claim 1, further comprising a step of adding a product information to a purchaser identification number provided in the second step to make a database. The Internet e-commerce method of claim 5, wherein the step of making the database includes product information by different sellers so that a specific product is finally selected by a buyer's selection to select a corresponding buyer identification number. The electronic commerce method according to claim 1, wherein a purchaser and a credit card company make a communication host computer through a relay host computer. The electronic commerce method of claim 1, wherein the seller host computer recognizes an access from a specific Internet address of a credit card company to protect a financial transaction and confirms that the transaction is a normal transaction. The method of claim 1, wherein the buyer directly informs the bank having the bank account of the buyer identification number with an account number and a password so that the transaction can be directly transferred to the seller from the bank account. The method of claim 1, wherein the third step is for the purchaser to access the credit card company's Internet homepage and notify a personal ID and password previously issued by the credit card company that matches the card number, and the credit card company notifies the personal ID. And e-commerce method characterized in that the card number and password match and verify the credit status. 10. The method of claim 9, wherein the method of accessing the financial institution to the financial institution is an internet connection or a telephone connection.