KR100390360B1 - Electronic commerce approval system and method thereof - Google Patents

Abstract

The present invention discloses an electronic commerce payment system and method thereof. When a purchaser connects to a sales system of a seller through a purchase system and makes a purchase, the sales system requests a payment settlement approval provided by the mobile phone number of the purchaser who purchased the product. Accordingly, the mobile phone number inputted to the mobile service provider's service system is provided to request a credit rating of the mobile phone number. The payment approval will be notified to allow the sale of goods between the buyer and the sales week. Therefore, in e-commerce, the buyer can easily purchase the goods in the shopping mall using the mobile phone number even if the credit card is not required to be issued. Also, since the credit card number is not used, damages caused by the buyer's leakage of credit information Can be prevented. In addition, the shopping mall can sell the goods according to the creditworthiness of the buyer paying the mobile phone fee, so that the stable sale of the goods is made.

Description

E-commerce payment system and its method {ELECTRONIC COMMERCE APPROVAL SYSTEM AND METHOD THEREOF}

The present invention relates to an electronic commerce payment system and a method thereof, and more particularly, to an electronic commerce payment system and a method for making payment between a seller and a buyer securely and reliably in an electronic commerce.

The general method of selling a product is a method in which a seller sells the product directly to a buyer who displays the item in a sales shop. However, when a buyer orders an item advertised on a catalog or TV, by telephone, the seller indirectly delivers the product to the buyer. There is also a sales method, and in recent years, as the spread of the Internet rapidly increases, an e-commerce sales method for people around the world has been developed and used through the same medium as the Internet.

As a payment method of the electronic commerce, a payment method using a credit card, a payment method using a giro deposit, and a payment method using other electronic money are used.

In the payment method using a credit card, the buyer enters his or her credit card number after purchasing the item at the shopping mall, and the server of the shopping mall provides the credit card number of the buyer to the credit card company to receive the use authorization and pay for the goods. As such, there is an advantage that it is easy to use and can receive tax deduction later, but there is a possibility that personal information such as credit card numbers are leaked, and there is a limitation that no one can use because there is a restriction on card issuance.

In the payment method using giro deposit, the server of the shopping mall provides the buyer with the payment information such as the online bank account number of the sales company on the site, and when the buyer deposits the goods with the bank account number, the shopping mall pays for the goods. There is no fee and there is no qualification limitation in using the payment method, but there is an inconvenience in that the buyer has to go directly to the financial institution and the procedure is complicated.

The payment method using electronic money is a method of paying the purchase price of goods purchased at a shopping mall using the issued electronic money after the buyer has made a deposit in advance and there is no risk of personal information leakage and there is no restriction on qualification. Although there is an advantage, it is burdened by the buyer because the payment must be made in advance, and it is not easy to make a payment for a large amount of money, and there are disadvantages such as that it can be used only at a shopping mall affiliated with electronic money.

Therefore, an object of the present invention is to provide an electronic commerce payment system and method for making a stable and reliable payment for goods between a buyer and a shopping mall in electronic commerce.

In addition, another object of the present invention is to provide an electronic commerce payment system and method that can easily pay for the goods purchased by the buyer in the electronic commerce without qualification restrictions.

1 is a conceptual diagram of an electronic commerce payment system according to an embodiment of the present invention.

2 is a structural diagram of an electronic commerce payment system according to an embodiment of the present invention.

3A and 3B are flowcharts of an electronic commerce payment method according to an embodiment of the present invention.

In order to achieve the above technical problem, the electronic commerce payment system according to a feature of the present invention, in the payment system of the e-commerce in which the buyer is connected to the seller's sales system through the purchase system to purchase goods,

When the purchaser's mobile phone number is inputted from the sales system, the creditability of the mobile phone number is determined, and when the creditability of the mobile phone satisfies a setting condition, the purchase system and the sales system are notified of the payment approval. It includes a payment intermediation server to allow the sale of goods between the buyer and the seller.

The payment intermediation server includes a database storing member information including a mobile phone number of a buyer registered as a member who can make a payment using a mobile phone number and a password for confirming the purchaser registered corresponding to the mobile phone number; If the credit rating of the mobile phone number satisfies a predetermined condition, a request is made to the purchase system to enter a password, and then a password inputted from the purchase system matches a password registered corresponding to the mobile phone number. If so, it may include a processing device for notifying the payment approval to the purchase system and the sales system.

In addition, the mobile communication service device may further include a mobile communication service device for evaluating the creditworthiness of the mobile phone number and providing the result to the payment broker server. In this case, the payment broker server may provide a payment between the buyer and the seller. If approved, the mobile communication service device provides payment information including the mobile phone number of the purchaser and the payment price, and accordingly, the mobile communication service device charges the buyer for the mobile phone usage fee including the payment price. Ensure final payment is made between the buyer and seller.

According to another aspect of the present invention, an electronic commerce payment method includes a payment method of an electronic commerce in which a buyer makes a purchase by accessing a seller's sales system through a purchase system.

Determining the credit rating of the mobile telephone number when the mobile telephone number of the purchaser who purchased the goods from the sales system is sold; And notifying the payment approval to the sales system and the purchasing system when the credit rating of the mobile phone number is equal to or greater than a predetermined condition so that the goods are sold between the buyer and the sales week.

The determining of the credit rating of the mobile phone number may include: providing the mobile phone number to a service system of a corresponding mobile communication service provider and requesting a credit rating; And notifying the payment system and the purchasing system of the payment approval when the credit evaluation result of the mobile phone number provided from the service system of the mobile communication provider satisfies a setting condition.

Therefore, the sales system can sell the goods in accordance with the credit rating guaranteed by the mobile communication service system, the secure electronic commerce is made.

In addition, the notifying of the payment approval may include requesting a password input from the purchase system when the credit rating satisfies a setting condition; And notifying the sales system and the purchasing system of payment approval when the password inputted from the purchasing system matches the password registered in the mobile phone number, thereby confirming the identity of the buyer. The more reliable the e-commerce is achieved.

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

1 is a conceptual diagram of an electronic commerce payment system according to an embodiment of the present invention.

As shown in FIG. 1, the electronic commerce payment system according to an embodiment of the present invention pays for goods purchased at a shopping mall using a mobile phone number.

More specifically, when a client, that is, a buyer, accesses a shopping mall site connected to a network, purchases an item, and enters his mobile phone number for payment, the shopping mall site uses the buyer's mobile phone number as a payment broker. By providing a payment request for approval, the payment broker provides the mobile phone number of the buyer to the mobile operator to request the creditworthiness of the buyer. According to the evaluation result provided by the mobile operator, the payment broker approves the payment only when the buyer has a good credit rating and provides the result to the client, shopping mall, and mobile carrier, and the shopping mall delivers the goods to the buyer and moves The telecommunications carrier bills the purchaser for the mobile phone bill used by the buyer.

On the other hand, for reliability of payment, the payment broker can register a large number of buyers as a member who can pay for the goods using a mobile phone number, and then enter a password or secret word in addition to the mobile phone number at the time of payment. The payment is approved only if the registered password or secret word matches, so that more stable payment can be made.

Therefore, the purchaser can easily purchase the goods in the shopping mall by using the mobile phone number, and the shopping mall can sell the goods according to the credit rating assured by the mobile communication operator, resulting in more secure and reliable e-commerce. .

Next, the structure and operation of the electronic commerce payment system according to the embodiment of the present invention will be described in more detail.

2 shows a structure of an electronic commerce payment system according to an embodiment of the present invention.

As shown in FIG. 2, an electronic commerce payment system according to an embodiment of the present invention includes a purchase device 10 allowing a buyer to apply for a purchase of goods, and an internet 20 connected to the purchase request device 10. Network), a shopping mall server 30 connected to the Internet 20 to sell the goods to the purchase apparatus 10, and a payment price of the goods sold on the shopping mall server 30 connected to the Internet 20. A payment intermediation server 40 and a mobile communication service device 50 connected to the Internet 20 to approve the payment, and the mobile communication service device 50 includes a purchase device through the mobile communication network 60. 10).

As the purchase device 10, a communication device capable of accessing the shopping mall server 30 or the payment brokerage server 40 through the Internet 20 is used. A mobile communication terminal is used here, but the present invention is not limited thereto. Other communication devices such as TVs may also be used. Accordingly, the purchase apparatus 10 may also be connected to the mobile communication service apparatus 50 through the mobile communication network 60.

The shopping mall server 30 is a server operated by a seller who sells various items connected to the Internet 20, and the mobile communication service device 50 is a mobile communication terminal through a mobile communication network 60, that is, a purchase device ( 10) a device operated by a mobile communication service provider that provides various mobile communication services.

The mobile communication service device 50 connects the purchase device 10 connected through the mobile communication network 60 to the Internet 20 to enable electronic commerce on the Internet 20, and the payment intermediation server 40. In partnership, the buyer charges for the goods purchased by the mobile phone. To this end, the mobile communication service device 50 is connected with the purchase device 10 and the plurality of servers 30 and 40 through the charge calculator 51, the mobile communication network 60, and the Internet 20, which calculates and charges a mobile telephone fee. Switch 52 for converting data in accordance with the corresponding communication protocol to enable data transmission and reception, a base station 53 for transmitting and receiving data with the purchase apparatus 10 in the form of a radio signal, and a base station controller 54, in addition to a mobile phone It further includes a billing information database 55 for storing information such as phone history, phone charges, and payment.

The payment intermediation server 40 performs payment for the sale of goods made between the buyer and the sales week, and for this purpose, the merchant database 41, the member information database 42, the payment information database 43 and this data. It includes a processing device 44 for performing the payment payment based on the information stored in the base (41-43).

The merchant database 41 stores internet location information, for example, a URL (uniform resource location) of a shopping mall server of a seller who wants to make a payment using a mobile phone number, and corresponds to the location information of the seller's company information. For example, information such as the type of goods sold and the price are stored.

The member information database 42 stores a mobile phone number of a buyer who has registered a member who can make a payment using a mobile phone number. Personal information is stored, for example, gender, age, address, e-mail address.

The payment information database 43 stores payment information such as the type and price of the purchased goods, location information of a shopping mall server selling the goods, and whether the payment is approved or not, corresponding to the mobile phone number of the buyer who requested the payment.

The processing device 44 which performs payment based on the information stored in these databases 41 to 43 includes a member registration unit 441, a payment processing unit 442, and a data transmission unit 443.

The member register 441 registers a purchaser who applies for membership registration as a member by using the purchase apparatus 10 and receives the purchaser's mobile phone number, payment password and secret word, and personal information. The database 42 is constructed. In addition, a contract with a plurality of shopping mall servers 30 for payment of goods sold, and the Internet location information and company information of the shopping mall server is provided to build a merchant database (41).

The payment processing unit 442 allows the payment to be made using the mobile phone number of the buyer provided from the shopping mall server 30 requesting the payment for the goods, and pays information including the type, price, etc. of the payment. The data transmitting / receiving unit 443 stores data in the information database 43. The data transmitting / receiving unit 443 performs data transmission / reception with the purchase apparatus 10, the shopping mall server 30, and the mobile communication service apparatus 50 through the Internet 20.

In an embodiment of this invention, the seller represents an internet site (shopping mall) and an operator who sells the goods on the Internet, and the buyer represents all the Internet accessors who purchase the goods in the mall of the seller.

Based on this structure, a description will be given of the process of payment for the goods in the electronic commerce payment system according to an embodiment of the present invention.

3A and 3B illustrate a flow of an e-commerce payment method according to an embodiment of the present invention.

Payment intermediation server 40 to broker payments using a mobile phone number receives a subscription request from a number of sellers who wish to pay for payment brokers to join the sellers who meet certain conditions as merchants, The affiliate store database 41 is constructed by receiving location information and company information. In addition, by receiving a subscription application from buyers who want to subscribe as a member who can make a payment using the mobile phone number, and receives the mobile phone number and personal information of the buyers to build a member information database 42. At this time, for the reliability at the time of payment, the payment password and the secret word are provided from the buyer and stored in the member information database 42 in correspondence with the mobile phone number. Such member and merchant contracts may be made through the Internet 20 or may be made using mail or a separate communication network.

As described above, a plurality of sellers and buyers are registered as members, and as shown in FIG. 3A, after the buyer drives a web browser for accessing the Internet 20 from the purchase apparatus 10, the shopping mall server When a URL for connecting to the site of 30 is inputted, this URL information is converted into a radio signal and transmitted to the mobile communication service device 50 through the mobile communication network 60, and the mobile communication service device 50 transmits the above information. The purchase apparatus 10 is connected to the shopping mall server 30 according to the URL information. On the other hand, when the purchase device 10 is not a mobile communication terminal but a computer is used, the purchase device 10 is directly connected to the shopping mall server 30 through the Internet 20 without passing through the mobile communication service device 50 (S100).

The shopping mall server 30 provides various goods information to the connected purchase device 10 (S110), and the purchaser selectively purchases various goods provided by the shopping mall server 30 through the purchase device 10 and accordingly Request for payment (S120).

The shopping mall server 30 requests the purchaser's mobile phone number to be input when the purchaser requests payment (S130). Accordingly, when the mobile phone number of the buyer is input through the purchase device 10, the shopping mall server 30 inputs the purchaser's mobile phone number. The mobile phone number is provided to the payment intermediation server 40 to request payment (S140 to S150).

When payment is requested from the shopping mall server 30, the payment processing unit 442 of the payment intermediation server 40 transmits the provided mobile phone number to the mobile communication service device 50 so as to provide the creditability of the buyer having the corresponding mobile phone number. Request information (S160). The rate calculator 51 of the mobile communication service device 10 searches the payment information database 55 based on the mobile number transmitted from the payment intermediation server 40, and based on the payment details of the mobile number, etc. Evaluate, and transmits the evaluation result to the payment intermediation server 40 (S170).

If the purchaser who purchased the item has a bad credit rating, the data transmission / reception unit 443 transmits a non-payment message to the purchase apparatus 10 under the control of the payment processing unit 442 to notify that payment has not been made ( S180 to S190). On the other hand, if the buyer's credit rating is good, a message indicating whether the payment is approved and whether or not to start the payment is transmitted to the purchase device 10 to allow the buyer to know whether the payment is approved (S200 to S210). At this time, the data transmission / reception unit 443 may notify the purchase apparatus 10 of the approval of the payment through the shopping mall server 30. In addition, the data exchange between the payment brokerage server 40 and the purchase device 10 is performed through the mobile communication network 60 by the mobile communication service device 50, and the data between the server on the Internet 20 and the mobile communication terminal. Since the transmission and reception is a known technique, a detailed description thereof will be omitted.

Next, the payment processing unit 442 transmits the payment price history to the purchase device 10 so that the buyer can check the payment price based on the purchase information (item type and price of goods) provided from the shopping mall server 30 (S220). S230), when the purchaser confirms the payment, the purchaser requests a payment password to verify the identity of the purchaser (S240).

When the password is input through the purchaser purchase apparatus 10, the payment processing unit 442 searches the member information database 42 based on the input password and associates with the password registered in correspondence with the mobile phone number. It is determined whether or not there is a match (S250 to S260).

As shown in FIG. 3B, when the input password and the registered password match, the user inputs a secret word again to confirm the identity. When the secret word is input through the purchase apparatus 10, the payment processing unit 442 searches the member information database 42 again based on the secret word and checks whether the secret word matches the secret word registered corresponding to the mobile phone number. It judges (S270-S300).

As described above, the mobile phone number that requested the payment has good credit, and the password and secret word entered by the buyer who purchased the item match the password and secret word that correspond to the mobile phone number that requested the payment. Next, the purchaser 10 and the shopping mall server 30 are notified of approval of payment for the goods purchased by the buyer (S310 to S320).

When the shopping mall server 30 is notified of the transaction approval for the mobile phone number requesting the payment from the payment intermediation server 40, the purchaser delivers the goods purchased by the buyer to the shipping destination requested by the buyer, and the buyer through the purchase device 10. It is confirmed that the payment for the goods he purchased is approved (S330-S340).

In addition, the payment processing unit 442 of the payment broker server 40 includes the type of goods and the price of the goods purchased together with the mobile phone number of the buyer to the mobile communication service device 50 to make a payment request for the purchase of the goods of the buyer. Payment details and information (location information, account number, etc.) of the shopping mall server in which the purchaser purchases the goods, and the rate calculator 51 of the mobile communication service device 50 is provided from the payment intermediation server 40. Information including payment details, such as price of goods, is stored in the payment information database 55 in correspondence with the mobile telephone number (S350 to S360).

Then, the rate calculator 51 of the mobile communication service device 50 calculates the mobile telephone charge of each mobile telephone number based on the information stored in the payment information database 55 at the time of the subsequent mobile telephone billing. If the price of the goods corresponding to the purchase of the phone number corresponding to the phone number, and writes a mobile phone bill including the price of the goods and requests the buyer to pay the phone bill (S370).

Accordingly, when the purchaser deposits a mobile phone charge including the price of the goods, the charge calculating unit 51 of the mobile communication service device 50 transfers the price of the goods to the shopping mall that sold the goods, that is, the account of the seller. Payment is made so that payment is finally made for the goods purchased by the buyer (S380).

When the final payment is made for the goods sold in this way, the seller, that is, the shopping mall server 30 provides the payment settlement brokerage fee and the like to the mobile communication service device 50 or the payment brokerage server 40.

On the other hand, the password or secret word entered by the buyer for payment is consistent with the password or secret word registered in the member information database 42 despite the good creditworthiness of the mobile phone number that the buyer requested for payment. If not, the re-entry request is requested while notifying the purchase apparatus 10 of the inconsistency (S390), and if the password or password is re-entered according to the registered password or secret word, Transactional approval, as described, allows for the delivery and billing of goods purchased by the purchaser.

However, if the password or secret word that is continuously re-entered does not match the registered password or secret word, the purchase device 10 indicates that the transaction is canceled and payment for the goods purchased by the buyer has not been made. And the shopping mall server 30 (S400 to S420). In addition, when the payment is not made using the mobile phone number, the payment intermediation server 40 may propose a payment method or a credit card payment method to the buyer for another payment method.

In this way, the buyer can easily purchase the goods in the shopping mall by using the mobile phone number, and the shopping mall may also sell the goods according to the creditworthiness of the buyer paying the mobile phone fee based on the mobile phone number, Stable and reliable e-commerce will be achieved.

Although the above-described embodiment has been described based on the e-commerce of a purchaser using a mobile communication terminal, the present invention is not limited thereto, and the mobile phone number can be used even by using other network-accessible communication devices such as a computer or an Internet-accessible TV. You can use the payment.

In addition, in the above-described embodiment, the payment brokerage server described for performing the payment payment to the shopping mall server registered as an affiliate store, but is not limited to this, the price using a mobile phone number for the shopping mall not registered as a merchant You can also make a payment.

This invention is capable of various modifications and implementations without departing from the scope of the following claims.

As described above, according to the embodiment of the present invention, the buyer can easily purchase the goods in the shopping mall by using the mobile phone number even if the purchaser does not qualify for the credit card issue. In recent years, since the number of people possessing mobile communication terminals is increasing rapidly, more users can use electronic shopping malls more easily.

In addition, since the credit card number is not used, the damage caused by the leak of the buyer's credit information can be prevented, and the shopping mall can also sell the goods according to the credit level at which the buyer pays the mobile phone fee, thereby making stable goods sale.

Claims (7)

(Correction) In a payment system of an e-commerce system, which is connected to a purchaser's purchase system, a seller's sales system, and a mobile communication service device, and allows an e-commerce between the buyer and the seller, A database storing member information including a mobile phone number of a buyer registered as a payable member using a mobile phone number, and a password for confirming the purchaser registered corresponding to the mobile phone number; And When the purchaser's mobile phone number is input from the sales system, the mobile communication service device is provided with a mobile phone number to receive credit information, and when the credit rating of the mobile phone number satisfies a setting condition, it is secreted to the purchase system. If the password is input from the purchase system and the password subsequently entered matches the password registered in the database corresponding to the mobile phone number, the purchase system and the sales system are notified of the payment approval. A processing device for selling goods between the buyer and the seller E-commerce payment system comprising a. (delete) (delete) (Correction) The method according to claim 1, When the payment is approved between the purchaser and the seller, the processing device provides the mobile communication service device with payment information including the purchaser's mobile phone number and payment, And the mobile communication service device charges the purchaser a mobile telephone fee including the payment price. (Correction) connected to the purchaser's purchase system, the seller's sales system, and the service provider's service system through the network, and a database in which the buyer's information is stored and a processing device that performs payment based on the information stored in the database. In the payment method of the e-commerce of the system to include, Requesting credit information by providing the mobile telephone number to the service system of the mobile communication service provider when the mobile telephone number of the purchaser who has purchased the goods from the sales system is sold; And When the credit rating of the mobile telephone number provided from the service system of the mobile communication provider satisfies a setting condition, the processing device notifies the sales system and the purchasing system of payment approval to sell the goods between the buyer and the sales week. Steps to lose Including; Informing the payment approval, Requesting a password input from a processing system by a processing system when the credit rating satisfies a setting condition; And The processing device notifying the sales system and the purchasing system of the payment approval when the password inputted from the purchasing system matches the password registered in the mobile phone number in the database. E-commerce payment method comprising a. (delete) (delete)