KR20020085369A - method for of the electronic commerce using an internet and performing the same - Google Patents

Abstract

PURPOSE: A method and a system for executing the EC(Electric Commerce) using the Internet are provided to prevent the property loss due to the illegal use of the personal information by a seller or the third man by carrying out the EC without providing the personal information of a customer to a seller. CONSTITUTION: The customer searches the selling price and condition of an article provided by a seller's computer by connecting to a shopping mall server with an ID and a password and orders the article by sending the order article information to the shopping mall server(S12). An operating system of the shopping mall server makes the customer choose the cash payment or the credit card payment if the customer orders the article to the shopping mall server(S13). In case of the cash payment, the server sends a bank account number to the customer's computer and checks the cash transferred by the customer(S14,S15). In case of the credit card payment, a credit card company's computer confirms the credit card payment ID and password inputted by the user(S20) and the payment is carried out by prepaying the payment to a seller's card account as a shopping mall member number and a member name(S21,S22).

Description

Method for of the electronic commerce using an internet and performing the same}

The present invention relates to a method for performing an electronic commerce using the Internet and a system for performing the same, and in particular, a consumer can perform an electronic commerce without providing a shopping mall or a seller with personal information such as a credit card number and a password during the electronic commerce. The present invention relates to a method for performing electronic commerce using the Internet for ensuring stability in electronic commerce and a system for performing the same.

With the development of the Internet, numerous computers all over the world are networked to create cyber space.In cyber space, not only academic and commercial uses of information accumulation and information provision, but also as users increase, electronic commerce The range of use is rapidly spreading for commercial use.

Electronic Commerce using the Internet is a whole or part of the transactions of various goods or services between companies, consumers and governments, such as business-to-business (B2B), business-to-consumer (B2C), etc., using a networked communication network. Refers to transactions processed by electronic methods such as electronic document exchange. E-commerce is now emerging as a survival strategy for individual companies and nations in the information age by enabling cost reduction, time savings, customer satisfaction, and strategic alliances.

In general, e-commerce using the Internet is carried out between an internet shopping mall formed on a computer server of a seller or a service provider, a consumer computer that is a consumer, a credit card company or a financial institution computer that is in charge of money transactions. Is formed.

The consumer connects to the Internet shopping mall on the seller's computer through the consumer computer and delivers a purchase intention and provides a payment method such as cash or a card. The Internet shopping mall inquires the credit card number and password presented by the customer to the virtual bank or credit card company on the financial institution computer and requests payment. When the virtual bank or credit card company pays the price to the Internet shopping mall, the Internet shopping mall notifies the logistics company computer to deliver the product to the customer, and the logistics company delivers the product to the customer, thereby completing the purchase process.

However, in the case of e-commerce between a company and a consumer (B2C) during a conventional e-commerce using the Internet, an individual must provide personal information such as a credit card number and a password to a seller, and therefore, the leakage of personal information and There was a risk of fraud, and in the case of B2B electronic commerce, payment was made in cash, so there was a problem that SMEs with insufficient funds could not promote electronic commerce.

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and because the electronic commerce can be performed without providing the personal information such as the consumer's credit card number and password to the seller, the seller or the third party may misuse the personal information. The purpose of this paper is to propose an electronic commerce method to prevent the loss of property. In addition, an object of the present invention is to provide an e-commerce method that enables consumers to plan the expenditure in scale and planned by checking the usage history during the e-commerce.

In addition, the purpose of the seller is to provide an electronic commerce method that can prevent the conflict with the shopping mall server due to the payment recovery problem and help the card company's profits.

1 is a schematic diagram showing a method for performing electronic commerce using the Internet according to the present invention.

2 is a block diagram showing the configuration of a shopping mall server for showing a method of performing electronic commerce using the Internet according to the present invention.

3 is a flowchart illustrating a method of performing electronic commerce using the Internet according to the present invention.

<Explanation of symbols for the main parts of the drawings>

100: consumer computer 200: card company computer

300: shopping mall server 310: operating system

312: customer management database 314: card account database

316: trading account database 318: goods database

400: Merchant Computer 500: Internet

The present invention for performing such an object,

Accessing the shopping mall server using an ID and a password, searching for a selling price and a sale condition of the goods provided by the seller computer, and transmitting the information of the goods to be ordered to the internet shopping mall server to order the goods;

When the consumer places an order with the shopping mall server, allowing the operating system of the internet shopping mall server to select whether the payment is cash or card payment;

Selecting a cash settlement, transmitting a settlement bank account number through a consumer computer, and confirming cash transferred by the consumer to the bank account number;

Selecting a card payment, loading the card company computer, checking the card payment ID and password entered by the consumer in the card company computer, and paying the goods to an arbitrary merchant card account using a shopping mall member number and a member name to perform goods payment; When the payment of the goods is completed, the transaction is registered in the transaction account database and the delivery confirmation certificate is received from the seller. After a period of time, the transaction fee is deducted from the seller's bank account, and the sales payment is transferred. Offsetting the amount.

According to a preferred embodiment of the present invention, if the consumer selects a card payment, loading the card company computer into the consumer computer; Checking the card number entered through the consumer computer, and requesting the card payment ID and password to be entered through the consumer computer; Checking the card payment ID and password entered through the consumer computer, and then the card company computer pays the goods price to the merchant card account of the shopping mall server composed of the member number and the member name; When the card company computer receives the delivery confirmation letter confirming the delivery of the goods from the shopping mall computer, the remaining amount after deducting the fee of the goods paid from the card company computer to the merchant card account of the shopping mall server paid by the member number and the member name Depositing in the merchant bank account and offsetting it in the card account.

According to the system of the present invention, a consumer computer for searching for a sale price and a sale condition of an item provided by a seller computer on a website and transmitting information of the item to be ordered to conduct a sale; Then, the card company computer is loaded when the card is requested from the consumer computer, and the card company computer judges the personal information received from the consumer computer (in this process, the user's usage limit and contents for the article can be determined). Internet shopping mall server for paying the goods to the seller's card account by the member number and member name of the shopping mall and confirms the delivery of the goods, and then performs the electronic commerce to pay for the goods.

The electronic commerce method according to the present invention does not provide a consumer's credit card number and password to the seller so as not to have property loss or credit instability caused by misuse of the seller or a third party due to information leakage.

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

1 is a schematic diagram showing a method of performing an electronic commerce using the Internet according to the present invention, and FIG. 2 is a block for showing a configuration of a shopping mall server for showing a method of performing electronic commerce using the Internet according to the present invention. It is also.

As shown in FIG. 1, a method for performing an electronic commerce according to the present invention includes a consumer computer 100, a card company computer 200, a seller computer 400, and a shopping mall server 300 as an Internet network or a dedicated network 500. The entire system is structured so that data and information can be exchanged between computers by interconnection.

The consumer computer 100 retrieves the selling price and sales conditions of the goods provided by the seller computer 400 on the website of the internet shopping mall server 300 and transmits the information of the goods to be ordered to the internet shopping mall server 300 for sale. Perform

When the consumer wants to purchase the goods through the Internet shopping mall server 300, the card company computer 200 performs transaction approval and transaction suspension until the next transaction according to the request of the consumer transmitted from the consumer computer 100. At the time of the transaction, the seller computer 400 serves to pay the transaction price for the goods purchased by the consumer.

The seller computer 400 may present a sale price and a sale condition of the product on the website of the Internet shopping mall server 300 and sell and order or order a product to be sold through an electronic commerce. Make sure

Here, the shopping mall server 300 is directly associated with the card company computer 200 to load the card company computer 200 when the card use request from the consumer computer 100, the member number and member of the consumer from the card company computer 200 Receive payment of goods to any seller's card account by name, and after receiving a delivery confirmation letter confirming the delivery of goods from seller's computer 400, the card company's computer 200 is sent to the consumer's member number and member name. It performs the role of performing an electronic commerce to allow the credit card company computer 200 to deposit the remaining amount of the goods except the shopping server fee in the goods price paid to any seller card account to the seller's bank account.

To this end, the operating system 310 of the shopping mall server 300 may have a customer management database 310, a card account database 314 associated with a card company computer 200, and a seller computer 400 as shown in FIG. 2. It is associated with an article database 318 that displays items for sale through associated transaction account database 316 and consumer computer 100.

Customer management database 312 stores information about the customer required to log in (log-in) or loading the card company computer 200 in the shopping mall server 300, and when requested by the operating system 310 The stored data will be transferred.

The card account database 314 is paid to any seller card account consisting of the card transaction contents of the consumer and the seller who purchased the goods through the shopping mall server 300 and the membership number and the member name from the card company computer 200. It stores information about the amount of money and transmits the stored data at the request of the operating system 310.

The transaction account database 316 stores transaction details for each consumer and seller member, and the item database 318 stores various information on goods to be sold through the shopping mall server 300 and When requested, the stored data will be transmitted.

The detailed operation of the electronic commerce performing method using the Internet according to the present invention configured as described above is as follows.

3 is a flowchart illustrating a method of performing electronic commerce using the Internet according to the present invention.

First, as shown in FIG. 3, the consumer performs a log-in process of accessing the shopping mall server 300 using the ID and password through the consumer computer 100 (step S11) and through the shopping mall server 300. The seller's computer 400 retrieves the selling price and the selling condition of the goods, and transmits the information of the goods to be ordered to the Internet shopping mall server 300 to order the goods (step S12).

When a consumer searches for goods information displayed on the shopping mall server 300 and places an order on the internet shopping mall server 300 to purchase the same, the operating system 310 of the internet shopping mall server 300 may store the goods ordered to the consumer computer 100. In step S13, when the customer inputs information for cash payment for the ordered item through the consumer computer 100, the operating system 310 sends the settlement bank account number to the consumer computer (step S13). 100) (step S14).

When the consumer selects the cash payment, the shopping mall server 300 checks the cash transferred to the bank account (step S15), registers the transaction in the transaction account database 316 of the operating system 310, and the seller computer 400 After the order information is sent to deliver the goods, the consumer receives a delivery confirmation letter signed by the seller, then the sales price excluding the sales fee is sent and the seller computer 400 notifies this to terminate the transaction (step). S16-S18).

When the consumer selects the credit card payment in step S13, the shopping mall server 300 loads the card company computer 200 on the consumer computer 100 (step S19). When the consumer enters the card number through the card company computer 200 loaded in the consumer computer 100, the card company computer 200 checks the card entered by the consumer, and if the card is available, the card payment ID and the card payment to the consumer. It requires to enter a password, and when the consumer enters the card payment ID and password through the consumer computer 100, the card company computer 200 checks this and then the member number in the card account database 314 of the shopping mall server 300 And payment of goods to any seller's card account in the member name (steps S20-S22).

In step S20, if the card company computer 200 is loaded through the consumer computer 100, the consumer can know the transaction contents such as the amount of use and the contents for the article, and the card company computer 200 will not allow the payment if the usage limit is exceeded. The content is transmitted to the shopping mall server 300.

When the card company computer 200 receives the payment of the goods payment and the delivery confirmation certificate to the shopping server 300, the payment is made to the seller's bank account, except for a fee, and transmitted to the seller's card account, and the shopping mall server 300. The operating system 310 of) will store it in the card account database 314.

That is, the consumer does not enter the card number and password directly into the shopping server 300 at the time of a card transaction, but instead enters the card payment ID and password into the card company computer 200 loaded by the shopping mall server 300. 200 pays the goods price to any seller's card account by the member number and member name of the shopping mall server 300, and the shopping mall server 300 pays only the member number and member name from the card company computer 200. When the delivery confirmation is sent, the card company performs the transaction in such a way that the payment is made directly to the seller, so the shopping mall server 300 does not know the card number of the consumer, and only the ID and password of the shopping mall server 300 allow the credit card payment. It is impossible to prevent loss due to the leakage of credit card information during e-commerce.

When the consumer pays with a card, the card transaction contents are stored in the card account database 314 in the operating system of the shopping mall server 300 and transmitted to the card company computer 200.

After that, when the payment is ended, the shopping mall server 300 returns to step S16 to register a transaction in the transaction account database 316 of the operating system 310, and transmits the order information to the seller computer 400 by transmitting the order information. Then, when the consumer receives a delivery confirmation letter signed by the seller and notifies the seller, the funds are deducted from the fee of the shopping mall server 300 and the card fee after a certain period of the transaction, and the funds are transferred to the seller bank account, and the card account database At 314, the card number consisting of the membership number and the member name is offset.

If the consumer selects to stop using the card through the consumer computer 100 after the purchase of the goods through the shopping mall server 300 (step S23), the card stop content input by the consumer is input to the shopping mall server 300. This content is transmitted to the card company computer 200 (step S24).

That is, when the purchase is completed, the shopping mall server 300 receives a card stop function through the consumer computer 100 to terminate the transaction of the card. After that, if the consumer selects a credit card payment by inputting an ID and a password into the shopping mall server 300 to purchase a card from the shopping mall server 300 again, the shopping mall server 300 connects the card company computer 200 to the consumer computer 100. ) To re-acquire the use approval after step S19.

Therefore, when the transaction is completed through the shopping mall server 300, the user selects the use suspension until the next transaction, and in the next transaction, obtains the approval of the use of the card company, thereby preventing accidents due to the leakage of the card information.

Therefore, the seller does not actually need to check the balance of the card, and the payment is not paid from the shopping mall server, but the payment is secured since the payment is made from the card company after a certain time. As shopping malls do not leak members' information, they create an atmosphere where members can feel free to shop, and it is automatically connected to return, so it can be operated with less manpower.

As described above, in the electronic commerce method and system according to the present invention, personal information such as a card number and a password are not leaked at the time of electronic commerce, and electronic transactions can be performed with confidence between the parties in electronic commerce. In addition, by not providing the seller's credit card number and password to the seller, there is an effect to prevent the loss of property or credit anxiety due to misuse of the seller or a third party due to information leakage.

Although the preferred embodiments of the present invention have been described in detail with reference to the accompanying drawings, the present invention is not limited thereto and may be improved or modified by those skilled in the art within the scope of the technical idea of the present invention.

Claims (6)

Iii) access the shopping mall server 300 by using an ID and password to search the selling price and the sales conditions of the goods provided by the seller computer 400, and transmit the information of the items to be ordered to the Internet shopping mall server 300 Ordering the article; Ii) when the consumer places an order with the shopping mall server 300, the operating system 310 of the internet shopping mall server 300 allows the user to select whether the payment is a cash payment or a card payment; Iii) transmitting the payment bank account number through the consumer computer 100 and checking the cash transferred by the consumer to the bank account number when the cash payment is selected in the step; 카드) If the card payment is selected in the above step, the card company computer 200 is loaded to confirm the card payment ID and password entered by the consumer in the card company computer 200, and the shopping mall member number and member name are used as the merchant card account of the shopping mall. Performing payment for goods by paying for goods; And, Ⅴ) After the payment of the goods after the above steps, register the transaction in the transaction account database 316, send the order information to the seller computer 400, and receive a delivery confirmation certificate from the seller after a certain period of time the card company computer is the seller bank A method of electronic commerce using the Internet, comprising the step of deducting various fees to the account, transferring the payment and at the same time offsetting the amount in the card account of the seller of the shopping mall. The method of claim 1, wherein the step of: loading the card company computer (200) to the consumer computer (100); Checking the card number input through the consumer computer 100 and requesting the card payment ID and password to be input through the consumer computer 100; Checking the card payment ID and password input through the consumer computer 100, and then the card company computer 200 pays the goods price to the card account of the shopping mall server 300 by the member number and the member name of the shopping mall; And when the shopping mall server 300 and the card company computer 200 receives a delivery confirmation certificate confirming the delivery of goods from the seller computer 400, the card company computer 200 is a seller of the shopping server server paid by the member number and member name And depositing the remaining amount of the fee deducted from the card company computer (200) in the card account to the seller's bank account and offsetting the payment in the seller's card account. According to claim 2, The card company computer 200 further comprises the step of transmitting the card transaction information on the amount of the transaction amount and the amount of the article for the consumer computer (100) to the consumer computer electronics using the Internet Commerce method. According to claim 1, The shopping mall server 300 receives the card stop using the consumer computer 100 via the consumer computer 100 and stores the card stop using the card, the card company computer ( And e) transmitting to the e-commerce method. A consumer computer 100 for retrieving the selling price and terms of sale of the goods provided by the seller computer 400 on the website and transmitting the information of the goods to be ordered to carry out the sale; And, The card company computer 200 is loaded when the card use request is requested from the consumer computer 100, and the card company computer 200 determines the personal information received from the consumer computer 100, and from the card company computer 200. The payment of the goods to any seller's card account by the member's membership number and the member's name, and after receiving the delivery confirmation letter confirming the delivery of the goods from the seller's computer 400, the member's membership number from the card company computer 200 And an internet shopping mall server 300 for performing an electronic commerce transaction by providing the remaining amount of the goods except the shopping mall server fee to the seller's bank account from the price of the goods paid to any seller card account in the member name. system. The system of claim 5, wherein the shopping mall server 300 comprises: a customer management database 310 for storing information about a customer required at login or loading the card company computer 200; A card account database 314, which is connected to the card company computer 200, purchases goods with a credit card using the consumer computer 100, and stores transaction details of deposit and withdrawal of any merchant card account; A transaction account database 316 that stores the transaction details of the consumer; And an operating system (310) comprising an article database (318) for storing various information about goods to be sold.