KR20010070918A - The system and its process of deferred payment in electronic commerce and tele shopping. - Google Patents

Abstract

PURPOSE: A system and method capable of paying a price on receipt of a product in an electronic commerce and a mail order is provided to activate an electronic commerce and a mail-order sale by enabling a consumer to pass the same as an off-line purchasing process, thereby preventing the leakage of information on payment units of the consumer. CONSTITUTION: A payment processing system for stores(10) is composed of a transaction processing unit(12) which processes an immediate payment on receipt of a product, a transaction item database(11) which stores data on the immediate payment, a wireless payment broker system interlocking unit(13) which transmits/receives payment data and an Internet transmission unit(14) which transmits/receives data. A wireless payment broker system is composed of an Internet connection unit(21), a PSTN(Public Switched Telephone Network, 25), a VAN(Van Added Network) company interlocking unit(27), a prepayment electronic money system interlocking unit(24), a wireless card payment device interlocking unit(22) which transmits/receives data to/from wireless card payment device and so on. A delivery processing system(30) is composed of a delivery processing unit(31) which processes data related to a delivery, a delivery item database(32) which stores the data, a wireless payment broker system interlocking unit(33) and an Internet transmission unit(34) which transmits the data on the Internet.

Description

Systems and methods for making payments in electronic commerce and mail order. {The system and its process of deferred payment in electronic commerce and tele shopping.}

The present invention relates to a system and method for enabling payment in electronic commerce and mail order.

With the advent of e-commerce and telesales, a payment structure has emerged that is contrary to the usual procedure of commerce. In the existing offline commerce, consumers go to the store, select a product, receive a product, and pay at the same time. However, when looking at e-commerce and mail order, the customer pays at the same time as the order, and the customer has an irrational structure of paying before receiving the product.

In addition, electronic payment in the form of prepayment can lead to the leakage of payment information (credit card number, debit card number, prepaid electronic money number) through the open Internet network.

On the other hand, when looking at the wireless card inquiry machine is currently being used in the delivery agent, salesperson or train on the move to take advantage of the mobility when the user wants a credit card payment in offline commerce. In addition, wireless card lookups can only be used in stores that are registered as merchants, and therefore cannot be used in most Internet stores where payment processing is performed using a representative merchant (payment broker). In addition, the current wireless card inquiry machine can only use credit and debit cards, it can not be used in the case of the prepaid electronic money that is currently popularized.

The present invention is to solve the above problems and to compensate for the shortcomings of the existing payment method of the prepayment form, and also to extend the performance and use range of the wireless credit card payment machine limited to offline stores only to be used in Internet stores and mail order stores System and method of enabling the same.

1 is a block diagram of a system according to the present invention.

2 is a flow chart for payment processing in accordance with the present invention.

Figure 3a illustrates the process of paying by debit when there is a consumer (recipient) according to the present invention.

Figure 3b shows the process of paying by postpay if there is no consumer (recipient) according to the present invention.

* Payment: Payment upon arrival of ordered goods

* Postpay: Payment after arrival of ordered goods

* Explanation of symbols for the main parts of the drawings

10: Payment processing system for shops (Internet, mail order)

20: Wireless Payment Broker System

30: Delivery Processing System

40: wireless card payment machine

In order to achieve the above object, a system for making a debit in electronic commerce and mail order includes a wireless card payment machine; A wireless payment broker system in charge of payment processing using a wireless card payment machine; A payment processing system for a shop (Internet, mail order) that enables the payment of a shop (Internet, mail order); It is composed of a delivery processing system of a shipping company that owns a wireless card payment machine.

Method for enabling debit according to the present invention to achieve the above object is

A first step in which a customer who completes a basic purchase process selects a payment for payment;

The payment processing system for a store (internet, mail order) includes a second step of storing information on a debit transaction data transmitted from a consumer client in a transaction history DB and transmitting the debit transaction data to a wireless payment broker system;

The wireless payment broker system includes a third step of storing information on a debit transaction data transmitted from a payment processing system for a store (internet, mail order) in a transaction history DB and transmitting the delivery data to a delivery processing system;

A fourth step of storing the delivery data in the delivery history DB;

[If there is a consumer (recipient)]

A fifth step of the shipping agent performing a payment using a wireless card payment machine;

The wireless payment broker system stores the payment data transmitted from the wireless card payment machine in the transaction history DB and transmits the payment result data to a VAN company or a prepaid electronic money issuer;

The wireless payment broker system stores the received payment result data in a transaction history DB and transmits the payment result data to a wireless card payment machine and a payment processing system for a store (internet, mail order);

The payment processing system for a store (internet, mail order) is an eighth step of storing the received payment result data in a transaction history DB;

Step 9 for outputting a payment result wireless card payment machine;

A tenth step of performing settlement based on data stored in a transaction history DB of a payment processing system and a wireless payment broker system for a store (internet, mail order) and transaction data stored in a delivery history DB of a delivery processing system;

[When there is no consumer (recipient)]

A fifth step of the delivery agent transmitting postpaid information to the wireless payment broker system by pressing a postpaid button embedded in the wireless card payment machine;

The wireless payment broker system stores a post-paid related data transmitted from a wireless card payment machine in a transaction history DB and transmits the data to a payment processing system for a store (internet, mail order);

The payment processing system for stores (internet, mail order) is a seven-step system that stores postpay data in a transaction history DB, sends information about postpay to consumers, and requests payment using an existing payment system.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings.

1 is a block diagram showing a system that enables payment in electronic commerce and mail order according to the present invention.

The payment processing system 10 for a store (internet, mail order) includes a transaction processing unit 12 for processing a debit transaction with a system located in a store (internet, mail order) for electronic commerce and mail order; A transaction history DB 11 for storing data on a debit transaction; A wireless payment broker system interworking unit 13 for transceiving transactions and payment data with the wireless payment broker system; Internet transmission unit 14 for transmitting and receiving data using the Internet.

Wireless payment broker system 20 is a system between the wireless network, the Internet network and the VAN company and the Internet connection unit 21 that may exist as an independent system; A PSTN network connection unit 25; A VAN company linking unit 27 for data transmission and reception with a VAN company connected to a financial institution; A prepaid electronic money system linking unit 24; A wireless card payment interlocker 22 for data transmission and reception with a wireless card payment device; A debit transaction processor 23 for processing payment for the final debit; It consists of a transaction history DB (26) for storing data about the debit transactions.

The delivery processing system 30 includes a delivery processing unit 31 for processing delivery related data to a system located at a delivery company; A delivery history DB 31 for storing delivery related data; A wireless payment broker system interworking unit 33 for transmitting and receiving data with the wireless payment broker system; It consists of an Internet transmission unit 14 for data transmission using the Internet.

The wireless card payment machine 40 includes a card information receiving unit 41 which receives card information of a card and a magnetic credit card, a debit card, and a prepaid electronic money embedded in a mobile phone as a terminal carried by a shipping agent; An input unit 42 of a keypad type for inputting a shop (internet, mail order) code and an order number for the ordered product; An output unit 43 including a small print and a display capable of printing the settlement result; A debit transaction processor 44 for processing transaction details; A wireless payment broker system interworking unit 45 for transmitting and receiving data with the wireless payment broker system; It consists of a wireless network transmitter 46 for wireless network data transmission.

The operation of the present invention configured as described above will be described with reference to FIG.

FIG. 2 is a flow chart showing an operation flow for the devices shown in FIG.

First, the consumer selects 101 the payment in the interface unit of the store (internet, mail order) in order to make a final payment after completing the basic purchase process (100). By the payment selection, transaction related information is transmitted to a payment processing system for a store (internet, mail order), and transaction data is stored in a transaction history DB for a store (internet, mail order) (102). The store (internet, mail order) transmits the transaction data to the wireless payment broker system and simultaneously requests a delivery request (103). The wireless payment broker system stores the transaction data in a DB (104), and requests the delivery company (105). The delivery company's delivery processing system stores delivery data and performs delivery (106). The shipping agent has a wireless card payment machine and visits the final consumer. In this case, the case where there is a consumer and the case where there is no consumer will be described separately.

[If there is a consumer (recipient)]

The shipping agent requests payment to the consumer (110), and the consumer makes payment using his payment means (credit card, debit card, prepaid electronic money) for payment (111). The payment information is transmitted from the wireless card payment machine to the wireless payment broker system (112). The wireless payment broker system connects to the corresponding system to perform final payment and stores payment result information (113). The wireless payment broker system transmits the payment result information to the wireless card payment machine (114), and at the same time to the payment processing system for shops (Internet, mail order) (115). The consumer checks the payment result information (115) and the transaction is terminated.

Subsequently, the settlement is performed based on the transaction history DB of each system (130).

[When there is no consumer (recipient)]

If there is no consumer, the courier will press the postpaid request button attached to the wireless credit card. The wireless card payment machine transmits the postpaid request data to the wireless payment broker system by the postpaid request button (120). The wireless payment broker system stores the postpaid request data in a transaction history DB 121 and transmits the postpaid request data to a payment processing system for a store (internet, mail order) (122). The payment processing system for a store (internet, mail order) stores postpaid request data and transmits a payment request message to a consumer (124). The consumer performs payment using the existing payment system after receiving the payment request message (125).

3A is a schematic diagram showing an embodiment when there is a consumer (recipient).

3B is a schematic diagram showing an embodiment in the absence of a consumer (recipient).

As described above, according to the present invention, a system and a method for enabling debit in electronic commerce and mail order provide a complementary payment method for existing stores (internet, mail order). This provides consumers with confidence and is expected to increase sales due to the expansion of e-commerce and telecommunication sales markets. Consumers go through the same purchasing process as offline, reducing the risk of exposure to payment method information, , Mail order). With the formation of a new wireless payment market, VAN or prepaid electronic money issuers are expected to increase their commission revenues and handset makers' profits as the wireless card payment market expands.

In addition, by providing a method that can go through the same purchase process as offline, it solves the irrationality in the existing e-commerce and telesales.

Claims (10)

A wireless card payment machine; A wireless payment broker system in charge of payment processing using a wireless card payment machine; A payment processing system for a shop (Internet, mail order) that enables the payment of a shop (Internet, mail order); A system and method for making a debit in electronic commerce and mail order consisting of a delivery processing system of a shipping company that owns a wireless card payment machine The system of claim 1, wherein the payment processing system for a store (internet, mail order) comprises a transaction processing unit for processing a debit transaction with a system located in a store (internet, mail order) for electronic commerce and mail order; A transaction history DB for storing data about a debit transaction; The system further comprises a wireless payment broker system interworking unit for data transmission and reception with the wireless payment broker system. The system of claim 1, wherein the wireless payment broker system comprises: an internet connection unit that may exist as an independent system as a system between a wireless network, an internet network, and a VAN company; A VAN company interworking unit for data transmission and reception with a VAN company connected to a financial institution; Prepaid electronic money system linkage unit for transmitting and receiving data with the prepaid electronic money system; Wireless card payment device interlocking unit for data transmission and reception with a wireless card payment device; A debit transaction processor that processes payment for the final debit based on data received from the wireless card payment machine; System characterized in that it comprises a transaction history DB for storing data about the debit transactions The delivery system of claim 1, further comprising: a delivery processing unit configured to process delivery related data to a system located at a delivery company; A delivery history DB for storing delivery related data; A wireless payment broker system interworking unit for transmitting and receiving data with the wireless payment broker system; System comprising an Internet transmission unit for data transmission using the Internet The system of claim 1, wherein the wireless card payment system is a system for performing final payment, receives a payment number from a user's payment card, transmits it to a wireless payment broker system, and outputs the result to the user. system The wireless card payment device includes a card information receiving unit for receiving card information of a card, a magnetic credit card, a debit card, and a prepaid electronic money embedded in a mobile phone as a terminal carried by a shipping agent; A keypad-type input unit for inputting a shop (internet, mail order) code and an order number of the ordered product; An output unit including a small print and a display capable of printing a settlement result; A debit transaction processor for processing transaction details; A wireless payment broker system interworking unit for transmitting and receiving data with the wireless payment broker system; A system comprising a wireless network transmitter for wireless network data transmission. 6. The card payment machine according to claim 5, further comprising a smart card type electronic money and a prepaid type electronic money in a credit card or a debit card in a payable card of a wireless card payment machine. 6. The system of claim 5, comprising the steps of: entering a store (Internet, mail order) number, entering an order number, and entering payment means information in the order of use of the wireless card payment machine. 6. The system of claim 5, wherein the wireless card payer further comprises a postpaid button for informing the user to postpay for goods if there is no user. The system of claim 1, wherein the settlement is performed based on a transaction history DB of a payment processing system for a store (internet, mail order) and a wireless payment broker system and a delivery history DB of a delivery processing system. In terms of how to make payments for e-commerce and mail order A first step in which a customer who completes a basic purchase process selects a payment for payment; The payment processing system for a store (internet, mail order) includes a second step of storing information on a debit transaction data transmitted from a consumer client in a transaction history DB and transmitting the debit transaction data to a wireless payment broker system; The wireless payment broker system includes a third step of storing information on a debit transaction data transmitted from a payment processing system for a store (internet, mail order) in a transaction history DB and transmitting the delivery data to a delivery processing system; A fourth step of storing the delivery data in the delivery history DB; [If you have a consumer] A fifth step of the shipping agent performing a payment using a wireless card payment machine; The wireless payment broker system stores the payment data transmitted from the wireless card payment machine in the transaction history DB and transmits the payment result data to a VAN company or a prepaid electronic money issuer; The wireless payment broker system stores the received payment result data in a transaction history DB and transmits the payment result data to a wireless card payment machine and a payment processing system for a store (internet, mail order); The payment processing system for a store (internet, mail order) is an eighth step of storing the received payment result data in a transaction history DB; Step 9 for outputting a payment result wireless card payment machine; A tenth step of performing settlement based on data stored in a transaction history DB of a payment processing system and a wireless payment broker system for a store (internet, mail order) and transaction data stored in a delivery history DB of a delivery processing system; [Without consumer] A fifth step of the delivery agent transmitting postpaid information to the wireless payment broker system by pressing a postpaid button embedded in the wireless card payment machine; The wireless payment broker system stores a post-paid related data transmitted from a wireless card payment machine in a transaction history DB and transmits the data to a payment processing system for a store (internet, mail order); The payment processing system for stores (internet, mail order) is a seven-step system that stores postpay data in a transaction history DB, sends information about postpay to consumers, and requests payment using an existing payment system.