KR20030022946A - electronic commerce of collect loan method for opposite purchasing card - Google Patents

Abstract

PURPOSE: An EC(Electronic Commerce) payment method is provided to secure a purchaser from an immoral seller in the EC by using a distribution card, which is a kind of a purchase card. CONSTITUTION: The method comprises several steps. An electronic payment company receives a distribution card from a server of a bank by opening a settlement account, and the bank sets a selling agent as an affiliated store of the distribution card(S10). The electronic payment company receives a delivery order number from a delivery company as soon as a purchaser purchases a commodity at an EC site and the selling agent transmits a delivery order to the delivery company, and the purchaser requests a card company server to remit payment money to the opened settlement account of the bank(S11). The card company server checks whether the purchased commodity is delivered to the purchaser by using the delivery number stored at a host server of the electronic payment company, and remits the requested payment money to the opened settlement account after subtracting a card fee(S12). The host server of the electronic payment server transmits a commodity delivery affirmation request to the purchaser(S13). The host server, if it receives the commodity delivery affirmation request from the purchaser, requests the bank server to make payment for the commodity to an account of the selling agent by using the issued distribution card(S14). The bank server makes payment for the commodity to the account of the selling agent(S15). The bank server allows the selling agent to withdraw the payment money from the account as requested by the host server of the electronic payment company(S16).

Description

Electronic commerce of collect loan method for opposite purchasing card

The present invention relates to a payment settlement type electronic commerce by a reverse purchase card, more specifically, courier companies, credit card companies, financial institutions, sales agents, electronic payment operators in conjunction with the buyer to protect the buyer from vicious vendors, stable electronic The present invention relates to a payment settlement type electronic commerce using a reverse purchase card for establishing a commerce.

In general, the conventional payment settlement e-commerce is a non-payment deposit method in which cash is directly deposited to a bank designated by a selling agent who sells a product, and a certain act or procedure of a buyer is performed through a predetermined contract with a small settlement institution. Depending on the points earned (E-money, Cyber-money, etc.), there is a payment method by credit card.

Here, in recent years, as the purchase rate of the credit card of the buyer increases, the credit card method is dominant in electronic commerce. However, the credit card payment method is the personal information (card number, home address, resident number, etc.) required for credit card payment again through the input window displayed on the website opened by the sales agency. , Name, etc.) must be re-entered as a whole.

After completing the input procedure according to the above procedure, the buyer receives the goods after several days. In other words, the card payment method allows the customer to directly select an image from the website of the sales agency when the product is purchased, and deliver the same product as the selected image within a certain time.

However, due to an error in communication between the sales agent and the courier service, a product that is completely different from the product image requested by the customer is delivered or sold several days after the purchaser has already registered the card information on the sales agent's website. There may be a problem that the goods may not be delivered due to data errors of the agency and the courier, and the buyer has a problem in that the buyer pays only the unwanted card price in the state of not receiving the goods.

In addition, since the sales agency has received the personal information of the buyer, when a credit problem occurs due to the deterioration of the company's finances or bankruptcy, personal disadvantages such as the use of personal information are stolen. Has a problem of distrusting consumption behavior through e-commerce.

According to the present invention, after the buyer purchases the goods, the courier confirms the delivery of the goods and at the same time, the buyer requests payment of the goods to the credit card company through the electronic payment service provider, and the credit card company pays the goods to the payment settlement account of the electronic payment service provider. Payment and payment settlement by a reverse purchase card, which enables the electronic payment operator to coordinate payment requests and notifications to the sales agency to the financial institution so that both the sales agency and the buyer can trust the e-commerce trust and protect consumer behavior. Its purpose is to provide electronic commerce.

According to the present invention, in the payment settlement method electronic commerce by the reverse purchase card, the electronic payment operator 10 opens the payment settlement account 60 on the predetermined financial institution server 50 to purchase the reverse purchase card. The card issuing step (S10) and the electronic payment service provider (10) previously registered in the financial institution (50) by the card issuing step (S10) to be issued and the sales agency 40 is joined to the reverse purchase card affiliate store. At the same time as the request of the agency 40, the delivery company number was handed over to the host server 10 from the courier company 30 that delivered the goods to the buyer, and the payment card of the financial institution was settled to the credit card company server 20 designated by the buyer. Purchase request step (S11) to request the payment to 60), and in the purchase request step (S11) credit card company 20 checks whether the goods are sent to the buyer by the waybill number stored in the host server 10, the station The financial institution that issued the purchase card The deposit completion step (S12) for depositing the goods price deducted credit card fees online through the payment settlement account 60 already established in the burr (50), and the host of the electronic payment operator after the deposit completion step (S12) The server 10 notifies the purchaser of confirmation of the receipt of the goods to the buyer a few days after the date of shipment of the goods by SMS (mobile phone text message), E-mail and wired from the telecenter server 90. The host server 10 of the electronic payment service provider pays for the receipt of the receipt confirmation request step S13 and the receipt of the goods previously confirmed by the receipt confirmation request step S13 to the financial institution server 50. The payment request step (S14) and the payment request step (S14) for requesting and notifying the server 40 of the sales agency that pays the electronic payment fee deducted online as a purchase card, and the payment request step (S14). Agency server (50) is a sales agent Payment payment completion step (S15) for paying the price of the reverse purchase card fee deducted online to the account of the supplier 40, and the payment authorization to the sales agency 40 in the payment completion step (S15) After the financial institution server 50 by the payment withdrawal completion step (S16) to approve the withdrawal within the amount remaining in the payment settlement account 60 for the payment required by the host server 10 of the electronic payment operator Is achieved.

1 is a schematic block diagram of a cash settlement type electronic commerce by a reverse purchase card according to the present invention,

2 is a flowchart of a cash settlement type electronic commerce transaction using a reverse purchase card according to the present invention;

3 is an embodiment of the payment settlement method electronic commerce by the reverse purchase card according to the present invention,

Figure 4 is a detailed embodiment of the payment settlement method electronic commerce by the reverse purchase card according to the present invention.

Explanation of symbols on the main parts of the drawing

10; Electronic payment service provider host server 20; Credit card company server

30; Courier server 40; Dealer Server

50; Financial institution server 60; Cash Settlement Account

70; Buyer PC80; Buyer mobile phone

90; Telecenter server 100; Merchant Management DB

110; Merchant Information

Hereinafter, with reference to the accompanying drawings will be described in detail the payment settlement method electronic commerce by the reverse purchase card according to the present invention.

1 is a schematic block diagram of a cash settlement type electronic commerce by a reverse purchase card according to the present invention, Figure 2 is a flowchart of a cash settlement type electronic commerce by a reverse purchase card according to the present invention, Figure 3 An embodiment of the payment settlement method electronic commerce by the reverse purchase card according to the present invention, Figure 4 is a detailed embodiment of the payment settlement method electronic commerce by the reverse purchase card according to the present invention.

As shown in Fig. 1, the payment settlement type electronic commerce by the reverse purchase card is generally a purchaser's telephone 80 and PC 70, a telecenter server 90, a courier's server 30, and a sales agent. The server 40, the credit card company's server 20, the electronic payment provider's host server 10 and the financial institution server 50.

First, after the purchaser registers the product designation and his card information with the sales representative server 40, the sales representative requests the host server 10 of the electronic payment service provider for payment settlement.

Accordingly, the host server 10 of the electronic payment service provider stores the information and data of each registered business partner (financial institution, courier service, sales agent, credit card company) and pre-registered merchant management DB 100 and merchant information ( 110 and the sales representative server 40 is briefly provided with the details of the information of the goods transmitted.

In addition, the electronic payment operator host server 10 confirms the waybill number of the courier company server 30, and serves to sequentially execute the payment request to the credit card company server 20.

In addition, the electronic payment service provider host server 10 is connected to the server 90 of the telecenter to request the completion of the delivery by wire / wireless (e-mail, SMS text message / telephone) whether the complete delivery to the buyer was made. And, the server 50 of the financial institution performs a task such as payment request / notification of the sales agency.

On the other hand, the server 50 of the financial institution is directly connected to the host server 10 of the electronic payment operator, the sales agency 40 makes a merchant contract with a predetermined contract condition. In addition, the host server 10 of the electronic payment operator opens a settlement account 60 in the server 50 of the financial institution.

In addition, the server 50 of the financial institution to quickly and securely accept the request and the request for the payment settlement of the electronic payment operator host server 10, and acts as a relay for temporary storage and payment.

As shown in Fig. 2, the flowchart of the payment settlement type electronic commerce using the reverse purchase card is a card issuing step (S10), a purchase request step (S11), a payment completion step (S12), and a receipt confirmation request step ( S13), the payment request step (S14), the payment payment completion step (S15), the payment withdrawal completion step (S16) and account balance inquiry step (S17).

First, in the card issuing step (S10), the electronic payment service provider host server 10 receiving the request of the sales agency 40 to the server 50 of the predetermined financial institution opens the payment account 60 and reverse purchases. It is a stage of signing up, registering, and issuing a reverse purchase card as a card merchant.

On the other hand, the purchase request step (S11) is the electronic payment service provider 10 previously registered in the financial institution server 50 by the card issuing step (S10) the buyer at the same time with the request of the sales agency 40, the buyer Receiving the waybill number from the courier company server 30 to the host server 10, and requests the deposit to the payment account of the financial institution to the credit card company server 20 that the buyer specified.

In the purchase request step (S11), the sales agent server 40 to provide the host server 10 with the information of the goods and brief customer information at the time of request. In addition, the electronic payment operator host server 10 enters into a cooperative agreement with the courier company server 30, the credit card company server 20, the sales agent server 40 and receives information.

Here, the conventional electronic commerce was a method in which the sales agent 40 directly notified whether the goods were sent out directly to the electronic payment provider 10, but these methods did not actually send the goods, but the electronic payment provider 10 It is possible to ask for a purchase request falsely. The fraudulent transaction, also known as "cardcan", is a prime example of this type of use.

In order to prevent the harm caused in the conventional electronic commerce, the purchase request is based on the number of the waybill received from the courier company 30 which actually delivers the goods, not the sales agent 40.

And, the payment completion step (S12) is the credit card company server 20 in the purchase request step (S11) confirms the completion of the goods sent to the buyer with the waybill number stored in the host server 10, and issued a reverse purchase card It is a step of depositing the goods price deducting the card fee online through the payment settlement account 60 already established in the financial institution server 50.

The receipt confirmation request step (S13) is the host server 10 of the electronic payment operator after the deposit completion step (S12) from the telecenter server 90 SMS (mobile phone text message) and E-mail (e-mail), wired In this step, the host server 10 requests a confirmation notification of whether the goods are acquired to the buyer after a few days from the date of purchase of the goods.

Here, the telecenter server 90 checks wired / wirelessly about 4 to 5 days after the date of purchase of the goods, and considers a grace period for returns that may occur after receipt of the goods, about 7 days after the date of purchase of the goods. The telecenter server 90 notifies the electronic payment operator host server 10.

In addition, the payment request step (S14) is the host server 10 of the electronic payment service provider back-purchased to the financial institution server 50 for the price of the goods already received by the receipt confirmation request step (S13) It is a step of requesting and notifying the server 40 of the sales agency as a card to be paid online.

The host server 10 of the electronic payment operator requests the server 50 of the financial institution for payment of the sales agent 40 after about 7 days of purchase of the goods.

In the account balance inquiry step (S17), whether the balance of the settlement account 60 of the server 50 of the financial institution is greater than the amount requested by the electronic payment operator host server 10 to pay the sales agency 40. After the inquiry is a step to pay the sales agent with the amount of collateral in the settlement account 60.

The account balance inquiry step (S17) is a step of determining whether the balance of the settlement account 60 can afford. If the balance of the payment settlement account 60 is not sufficient, the payment request for the sales agency 40 is not accepted, the process proceeds to the purchase request step S11, and the deposit is made to the credit card company server 20 again. Try to ask again.

The payment completion step (S15) is a payment of the electronic payment fee deducted by the financial institution as collateral for the amount deposited in the payment settlement account 60 of the electronic payment provider 10 by the account balance inquiry step (S17). The payment is made online and notified to the account of the sales agency 40.

Here, the payment of the financial institution server 50 is made about 8 days after the purchase date of the goods.

The payment withdrawal completion step (S16) is authorized for the payment agency 40 in the payment completion step (S15) after the financial institution server is the sales agent for the payment required by the host server 10 of the electronic payment service provider It is a step of approving the withdrawal of the opened settlement account 60 within the balance of the amount paid to the user.

The withdrawal of the electronic payment operator host server 10 is possible after about one month, which is the settlement date after the purchase date of the credit card company 20, and the deposit amount of the payment settlement account 60 is the electronic payment operator host server 10. In order for payment to be possible, there must be a surplus of balance over the amount required by the Government.

In the embodiment of the payment settlement type electronic commerce by the reverse purchase card, as shown in FIG. 3, first, the electronic payment operator host server 10 opens a payment settlement account in the financial institution server 50 and then reverse purchases the card. After receiving the certificate, the sales agent registers as a reverse purchase card affiliate store (S21).

The sales agency 40, which is a partner of the electronic payment operator 10, makes a request for payment over the wire or wirelessly (S22), and thus, the host server 10 of the electronic payment operator is a courier service server 30. Receives the waybill number from the credit card company server 20, and requests payment and payment. (S23)

After the credit card company server 20 completes the deposit of the amount excluding the credit card fee to the payment settlement account 60 previously established in the financial institution server 50 (S24), the electronic payment service provider host server 10 The telecenter server 90 requests confirmation of the purchaser's delivery status over the air (telephone / e-mail, SMS text service) (S25). If, the telecenter server 90 confirms over the air, and if there is no response from the buyer to confirm by wireline (S26). In addition, if there is no response after 3-4 days from the delivery date, the buyer is regarded as having received the goods.

After confirming the delivery state (S25), the payment request to the financial institution server 50 to the agency agency server 40 as a reverse purchase card payment request and notification (S27), the financial institution server 50 is The payment is made out of the deposit amount excluding the electronic payment fee. (S28)

After the sales agency 40 receives a predetermined amount, the electronic payment operator host server 10 may request payment from the financial institution server 50 except for the reverse purchase card fee (S29). The institution server 50 approves the cash withdrawal (S30).

The electronic payment service provider host server 10 that has received the payment withdrawal approval withdraws the payment from the payment settlement account 60. (S31)

Detailed flowchart of the above embodiment is shown in Figure 4, whether the sales agency server 40 is subscribed as an affiliated store in whether or not (S40) is affiliated with the host server 10 of the electronic payment operator. In the case of the purchaser's delivery has been made to go to step (S41), if not, the sales agency server 40 must re-join the reverse purchase card affiliate store (S46).

Then, when the delivery state is completed in whether or not the delivery is properly made to the buyer (S41), go to step (S42) to check whether the payment is completed in the payment account.

If not, check delivery information to the courier server based on the affiliate store management DB and the merchant information previously stored in the host server, and access the server of the telecenter to request whether the delivery is completed on wired / wireless basis (S47).

On the other hand, when the payment is completed after checking whether the payment is completed in the payment account (S42), the sales agent to withdraw a certain amount of goods. (S43)

After the sales agent withdraws the product amount (S43), the process proceeds to the step (S44) of checking whether the balance of the settlement account exceeds the payment amount. If the balance is exceeded, the credit card payment should be reconfirmed. (S48)

If the balance of the payment settlement account does not exceed the application amount for the withdrawal, the electronic payment operator should withdraw the payment. (S45)

The present invention is not simply received directly from the sales agency, but the courier in charge of the delivery of goods to the buyer stably delivered to the buyer at the same time with the credit card company, electronic payment operators, sales agents It is linked with a server of a financial institution that has previously signed up as a reverse purchase card merchant, and the account of the financial institution consigns the payment of the goods paid by the credit card for a certain period to perform fraudulent transactions due to shipping accidents and false sales that occur after purchase. It can be prevented in advance, the delivery of stable goods to the buyer, the protection of consumption behavior, and the excellent effect of establishing the e-commerce trusted by the buyer.

Claims (3)

In the cash settlement method electronic commerce by the reverse purchase card, A card issuing step (S10) in which an electronic payment operator opens a cash settlement account on a predetermined financial institution server, receives a reverse purchase card, and joins a sales agent as a reverse purchase card affiliate store (S10); The electronic payment operator registered in advance at the financial institution by the card issuing step (S10) receives the waybill number from the courier that delivers the goods to the buyer at the same time as the request from the sales agency, and the credit card company server designated by the buyer A purchase request step (S11) for requesting a deposit into a payment account of a financial institution; In the purchase request step (S11), the credit card company checks whether the goods are sent to the buyer with the waybill number stored in the host server, and charges the credit card fee through the settlement account established in the financial institution server that issued the reverse purchase card. A deposit completion step (S12) of depositing the deducted goods price online; After the payment completion step (S12), the host server of the electronic payment service provider confirms whether the goods are received to the buyer after several days from the telecenter server by SMS (mobile phone text message), E-mail (e-mail), and wired. A receipt confirmation request step (S13) for requesting a notification to the host server, The payment of the electronic payment fee deducted online by the host server of the electronic payment service provider to the financial institution server as a reverse purchase card to the server of the financial institution server for the payment of the goods previously received by the receipt confirmation request step (S13). Request to pay, payment request step to notify (S14), In the payment request step (S14), the server of the financial institution pays the price of the reverse purchase card fee deducted online to the account of the sales agency and completes the payment payment step (S15), and In the payment completion step (S15), after the payment is authorized to the sales agency, the financial institution server completes the payment withdrawal to approve the withdrawal within the amount remaining in the payment settlement account for the payment required by the host server of the electronic payment operator. The payment settlement method electronic commerce by the reverse purchase card, characterized in that it comprises a step (S16). The method of claim 1, The payment completion step (S15), The account that pays the sales agency with the amount in the settlement account as collateral after checking whether the amount of the settlement account of the server of the financial institution is more than the amount requested by the electronic payment operator host server to pay the sales agency. Payment settlement method e-commerce by the reverse purchase card, characterized in that it further comprises a query step (S17). The method of claim 1, The payment withdrawal completion step (S16) may further include requesting the payment by the electronic payment service provider host server after one month after the credit card company server completes the deposit in the payment settlement account established at the financial institution. Payment settlement electronic commerce by purchase card.