KR20020024682A - Method for order goods the using settlement mobile payment after arrival radio - Google Patents

Abstract

PURPOSE: A method for ordering using MPAA(Mobile Payment After Arrival) settlement is provided for a purchaser to purchase goods by providing only simple information without joining a shopping mall site, execute settlement through a linked electronic settlement agency site, and carry out MPAA settlement after finally checking the state of delivered goods. CONSTITUTION: A user searches for goods information at a shopping mall site(S10), transfers a purchase request for desired goods to the shopping mall site(S20), and selects a payment system for the purchase-requested goods(S30). In case that the user selects a future payment system, the shopping mall site receives the purchaser's goods purchase request(S50) and transmits the received purchase information to an electronic settlement agency site. Also the shopping mall site transmits an order to a delivery company together with the purchaser's simple personal information(S60,S70). The purchaser confirms whether the delivered goods have a flaw(S80). If the delivered goods are all-perfect(S90), the purchaser settles the price of the goods through an MPAA terminal(S101).

Description

Method for order goods the using settlement mobile payment after arrival radio}

The present invention relates to a product order of the shopping mall through the e-commerce and its payment system, in particular through the electronic payment agent site linked through the purchase without the member after the purchaser to obtain the product information through the online shopping mall site Wireless payment to allow the purchase and delivery of the purchased goods, and to make payment through the wireless debit inquiry terminal after the purchaser confirms whether the delivered goods are defective or not. It relates to a product ordering method using payment.

In general, when ordering a product through an advertising leaflet that is printed through a print medium, or when the product order from the e-commerce, such as home shopping or online, the first payment for the product was made in advance to deliver the product.

In other words, in the prior art, when a buyer orders a product at a shopping mall, the buyer first pays the price, and the product provider confirms the purchaser's payment (cash, card, debit, electronic money, etc.) and delivers the product to the buyer. In addition to this, there is a disadvantage in that the delivery time is long, and in the event of a serious defect in the goods during delivery, the procedure of return or A / S is complicated.

In other words, a product supplier often neglects a consumer's return or A / S request after payment is made for a purchased product, and thus the buyer is often harmed by the buyer. ) Often complained of the damage.

On the other hand, when a user searches for a product through the Internet and wants to order it, the buyer must first search the product as well as register the shopping mall first. In this case, the member's personal information (name, address, telephone number, social security number). , Hobby, interests, occupation, age, family relations, income, etc.) and there has been concern about the leakage of personal information.

In other words, when signing up through the Internet, too many personal details are required, and if the personal information cannot be supplemented, the leakage (for example, hacking or information leakage from the shopping mall) may cause considerable damage. Due to the concern, the individual who provided the personal information to the shopping mall was inconvenient to check the supplementary status of the information.

Therefore, the present invention has been made to solve the above-mentioned conventional problems, the object of the present invention, when a buyer orders a product on the shopping mall site without registering for simple information (eg name, shipping address, telephone) Number) so that the purchase and delivery of goods is made, and payment is made through a linked electronic payment agency site. In addition, the buyer confirms whether the delivered goods are defective or not, and the wireless payment inquiry terminal Through the payment (also known as post-paid) through wireless prepayment to solve the problems caused by the prepaid prepaid, while preventing damage caused by the leakage of personal information, wireless payment payment to increase the satisfaction with the product through the verification process To provide a product ordering method using.

1 is a flow chart illustrating a product order method using a wireless debit payment in one embodiment of the present invention.

Figure 2 is a flow chart of a wireless debit payment method according to the delivery of the order product in one embodiment of the present invention.

Figure 3 is a block diagram of a product ordering system using a wireless debit payment in one embodiment of the present invention.

* Explanation of symbols on the main parts of the drawings *

10; Buyer 20; Electronic payment agency site

30; Shopping mall 40; Shipper

50; Card site 60; Bank site

70; Value-added network 500; Wireless payment inquiry terminal

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

1 is a flowchart illustrating a product ordering method using a wireless debit payment according to an embodiment of the present invention.

As shown in FIG. 1, the product order is performed from the following steps.

Searching for product information of the shopping mall site 30 and selecting a prepaid or postpaid product for the requested product while requesting the purchase of the product (S10) (S20) (S30);

When the prepayment system is selected, payment for the purchased product is completed before delivery, and when the postpay system is selected, the purchase request of the product of the buyer is received at the shopping mall site 30 so that payment is made after the product is delivered. Sending the purchase information to the electronic payment agency site 20, sending the order to the shipper 40 with the buyer's brief personal information so that the delivery is made (S40) (S50) (S60) (S70) )Wow;

Upon delivery of the goods, the buyer checks whether the delivered goods are defective (S80) (S90), and if there is a problem with the product, returns them through the delivery company 40 (S100), and if there is no problem, the product purchase Payment for the payment via a wireless payment inquiry terminal (MPAA; Mobile Ppayment After Arrival) 500 (S101); Proceeds.

Here, the payment is made from a wireless debit payment flowchart according to the delivery of the order goods shown in FIG.

That is, as shown in Figure 2, if there is no defect on the order product payment is cash (S110), electronic money (S120), credit card (S130), debit card (S140), account transfer (S150) Determining which of the steps;

If the determination result in the cash settlement (S110), the delivery staff of the delivery company 40 deposits the cash received from the buyer to the electronic settlement agency site 20 so that the settlement is made (S111),

If it is determined that the electronic money (S120) is connected to the electronic payment agency site 20 through the wireless payment inquiry terminal 500 (S121) and then request the approval of the electronic money (S122), the electronic payment agency site In (20) and transmits the payment whether the authentication for the requested electronic money (S123) to the wireless debiting inquiry terminal (500) (S124),

If it is determined that the credit card (S130) is connected to the electronic payment agency site 20 through the wireless payment inquiry terminal 500 (S131), the electronic payment agency site 20 in the value added network (VAN) (70) request the approval of the buyer's credit card by accessing the site (50) of the card company through the (70) and then the approval result (S134) at the time of approval, the wireless payment inquiry terminal (500) Transfer to make payments (S135),

If it is determined that the debit card (S140) is connected to the electronic payment agency site 20 through the wireless debiting inquiry terminal 500 (S141), the electronic payment agency site 20 through the value-added communication network 70 After accessing the bank site 60 of the debit card (S142) and requesting the balance inquiry for the buyer's debit card (S143), the authorization result (S144) is transmitted to the wireless debit inquiry terminal 500 to make a payment. To lose (S145),

If it is determined that the bank transfer (S150) is connected to the electronic payment agency site 20 through the wireless payment inquiry terminal 500 (S151), the electronic payment agency site 20 through the value-added communication network 70 After accessing the bank site 60 of the account (S152) and requesting the purchaser's balance inquiry (S153), the result of the approval (S154) is transmitted to the wireless payment inquiry terminal 500 (S155) through the buyer's account transfer. Making a payment (S156); It includes.

On the other hand, the product ordering method using the wireless debit payment is buyer 10, electronic payment agency site 20, shopping mall site 30, shipping company 40, card company site 50, bank site 60 and additional It is possible from a system such as value network 70.

That is, as shown in Figure 3, the electronic payment agency site 20 is not only linked to the shopping mall site 30, but also the shipping company 40, as well as the card company's site 50 and bank site 60 and It is configured to issue electronic money while being connected online through the value-added communication network 70, and also allows consumers to access freely, as well as payment by credit card, debit card, electronic money, as well as through account transfer. The wireless payment inquiry terminal 500 is provided to the delivery company 40 to be.

In addition, the electronic payment agency site 20 receives the information on the goods requested by the buyer 10 from the shopping mall site 30 and at the same time transmits the product information to the delivery company 40, the delivery company ( 40) from the wireless payment inquiry terminal 500 notifies the purchaser of the approval inquiry for the payment and the approval.

The purchaser 10 orders the necessary products while providing a simple personal information (eg, name, address, telephone number) freely through the online shopping mall site 30 without registering, and linked to the electronic payment agency site Connect to (20) to process the payment.

At this time, the purchaser 10 is requested to purchase a product on the shopping mall site 30, and at the same time to choose whether to pay in advance or post-payment for the product requested to purchase.

The delivery company 40 receives an order for the delivery of goods from the electronic payment agency site 20 and delivers it to the buyer's address, and after the buyer's payment is confirmed through the wireless debiting inquiry terminal 500 Do it right on site.

The card company's site 50 determines whether the buyer's card approval is requested from the electronic payment agency site 20 through the value-added communication network 70, and then notifies the electronic payment agency site 20 again.

The bank site 60 determines whether to approve the debit card and account transfer requested from the electronic payment agency site 20 through the value-added communication network 70, and then notify the electronic payment agency site 20 again. .

Referring to Figures 1 to 3 attached to the operation of the embodiment of the present invention configured as described above are as follows.

First, the electronic payment agency site 20 linked with a plurality of shopping mall sites 30 allows the buyer 10 to search for and purchase a product through simple personal information without registering.

In addition, the electronic payment agency site 20 is delivered to the buyer when the purchase of the product and the buyer's payment according to the delivery results can be made through the wireless payment inquiry terminal 500, the wireless payment inquiry terminal 500 On the other hand, the online connection through the credit card, debit card, bank transfer through the wireless debiting inquiry terminal 500 through the card company's site 50 and the bank site 60 and the value-added communication network 70 In addition, it sells electronic money to buyers connected to the company's site (20).

Thereafter, a buyer for a product purchase accesses any one of a plurality of shopping mall sites 30 to search for product information, and then requests a purchase of a desired product according to the search result, and prepays the payment for the requested purchase product. Or, if you choose to pay in advance, the payment in advance if the payment process, in the case of postpay provides a shipping address and name and phone number for the goods to be processed as simple personal information to the linked electronic payment agency site (20).

Then, the shopping mall site 30 transmits the information on the purchased goods to the electronic payment agency site 20, while the delivery company 40 as the delivery information for the purchased goods with the buyer's brief personal information with the order order Send it out for delivery.

In addition, the electronic payment agency site 20 receives the information on the purchase product of the buyer and then the information about the purchased product from the delivery company 40 so that payment according to the received information is made in the postpaid.

That is, the delivery company 40 receives the goods requested by the buyer from the shopping mall site 30 and delivers them to the address provided by the buyer.

At this time, the purchaser who receives the purchase product determines the payment after confirming the delivery of the defective product made at the same time.

In other words, if there is an abnormality in the purchase goods delivered from the delivery company 40, if the error is not processed, if there is no problem, the payment for the purchase of goods in cash or wireless brought from the delivery company (40) Through the payment inquiry terminal 500, select one of electronic money, credit card, debit card, account transfer and pay.

That is, as shown in Figure 2, when there is no defect on the ordered goods when the buyer wants to pay for the goods,

If the cash payment, the delivery staff of the delivery company deposits the cash received from the buyer to the electronic payment agency site 20 to end the payment for the purchased goods.

In addition, in the case of electronic money purchased from the electronic payment agency site 20, the delivery company 40 is connected to the electronic payment agency site 20 via the wireless payment inquiries terminal 500, the buyer's electronic You will be asked to approve the currency.

The electronic payment agency site 20 is to transmit the authentication of the requested electronic money to the wireless payment inquiry terminal 500 carried by the delivery company 40 to facilitate the payment for the purchased goods.

On the other hand, even if the buyer wants to pay by credit card, the delivery company 40 will attempt to access the electronic payment agency site 20 through the wireless payment terminal terminal 500,

The electronic payment agency site 20 is connected to the card company's site 50 corresponding to the buyer's credit card through the value-added communication network 70, and then requests the approval of the buyer's credit card.

At this time, the card company's site 50 determines whether the purchaser's credit card is requested from the electronic payment agency site 20 and transmits it to the electronic payment agency site 20 again, thereby providing the electronic payment agency site 20. ), The payment result of the credit card company to the wireless payment terminal 500 to pay the purchase price.

In addition, when the buyer wants to pay the debit card of the bank, the delivery company 40 attempts to connect to the electronic payment agency site 20 through the wireless payment inquiry terminal 500, the electronic payment agency site In 20, after accessing the bank 60 of the debit card through the value-added communication network 70, and asks the bank to check the balance of the debit card of the buyer.

Then, the bank site 60, after searching for the use of the debit card of the buyer requested from the electronic payment agency site 20 will be notified of the search results back to the electronic payment agency site 20,

The electronic payment agency site 20 transmits the results from the bank site 60 to the wireless debiting inquiry terminal 500 again, so that payment of the purchaser's purchases through the debit card is facilitated.

On the other hand, when the buyer wants to pay for the purchases through the wire transfer, the delivery company 40 attempts to access the electronic payment agency site 20 through the wireless payment terminal terminal 500, and the The electronic payment agency site 20 connects to the bank 60 of the corresponding account through the value-added communication network 70 and asks whether the buyer can transfer the account.

Then, the bank site 60 will be notified to the electronic settlement agency site 20 whether the bank transfer is possible after inquiring the buyer's bank balance,

The electronic payment agency site 20 transmits the result received from the bank site 60 to the wireless payment inquiry terminal 500, so that the payment of the buyer through the bank transfer is easy.

As described above, the present invention provides a simple information (for example, name, shipping address, phone number) without making a subscription when a buyer orders a product on a shopping mall site, and at the same time, the purchase and delivery of the product are made. In addition to the payment is made through a link-linked electronic payment agency site, the buyer performs a payment (aka post-paid payment) through a wireless debit inquiry terminal while finally confirming whether the delivered goods are defective. It solves the problems that occur and prevents the damage caused by the leakage of personal information and provides the effect of increasing the satisfaction of the product through the verification process of the product.

The present invention is not limited to the above-described specific preferred embodiments, and various modifications can be made by any person having ordinary skill in the art without departing from the gist of the present invention claimed in the claims. Of course, such changes will fall within the scope of the claims.

Claims (7)

Searching for product information of a shopping mall site and selecting a prepaid or postpaid product for a requested product while requesting purchase of the product; When the prepayment system is selected, payment for the purchased product is completed before delivery; when the postpayment system is selected, the purchaser's purchase request is received from the shopping mall site so that payment is made after the product is delivered. Sending to the electronic payment agency site, sending the order to the shipping company along with the buyer's brief personal information so that the delivery is made; And, When the buyer delivers the goods, the buyer checks whether the goods are delivered, and if there is a problem, returns them through the shipping company, and if there is no problem, pays for the purchase of the goods through the wireless payment terminal. ; Item order method using a wireless debit payment, characterized in that proceeding to. The method of claim 1, wherein the payment for the purchased product is made from any one of electronic money, credit card, debit card, and bank transfer through a cash or wireless debit inquiry terminal. The method of claim 2, wherein the cash payment, A method of ordering a product using a wireless debit payment, characterized in that the delivery person of the delivery company deposits the cash received from the buyer to the electronic settlement agency site so that the payment can be made. The method of claim 2, wherein the electronic money settlement, After accessing the electronic payment agency site through the wireless payment inquiry terminal, request the approval of electronic money, and the electronic payment agency site transmits the authentication of the requested electronic money to the wireless payment inquiry terminal to make a payment. Product ordering method using a wireless debit payment, characterized in that to carry. The method of claim 2, wherein the credit card payment, The wireless payment inquiry terminal accesses the electronic payment agency site, and the electronic payment agency site accesses the card company's site through the value-added communication network and requests the approval of the buyer's credit card. Method of ordering goods using a wireless debit payment characterized in that the payment is made by transmitting to a wireless debit inquiry terminal. The method of claim 2, wherein the debit card payment, After accessing to the electronic payment agency site through the wireless payment inquiry terminal, the electronic payment agency site accesses the bank site of the corresponding debit card through the value-added communication network, requests the balance of the buyer's debit card, and then confirms the approval result. Method of ordering goods using a wireless debit payment characterized in that the payment is made by transmitting to a wireless debit inquiry terminal. The method of claim 2, wherein the wire transfer payment is After accessing the electronic payment agency site through the wireless payment inquiry terminal, the electronic payment agency site accesses the bank site of the corresponding account through the value-added communication network, requests the buyer's balance, and then sends the approval result to the wireless payment inquiry terminal. Method of ordering goods using a wireless debit payment, characterized in that the payment is made by the buyer's account transfer by sending.