KR20010109037A - Network-based transaction deferred payment system and method thereof - Google Patents

Abstract

In case of purchasing goods or using paid information service through internet information provider server such as virtual shopping mall and paid information site established in communication network, such as the open Internet, etc. It only relates to a postpaid payment system that allows a network operator server to charge a commodity used by a user in a telephone bill notification by inputting only a password combination.

The present invention provides a user computer that allows a user to apply for a post-paid payment subscription through an Internet site and select various products including digital content provided by an information provider server; When a product selection signal is input from the user's computer, a link is provided to the server computer to enter a telephone number and password used for payment of the post-payment of the goods. An information provider server for transmitting to the server computer; When a postpay payment user subscription request signal is input from the user computer, the phone number and password entered by the user are set as a recognition number and registered, and when the user computer is linked from the information provider server, the user's phone number and password are entered. A server computer for transmitting to a network operator server to search for a user who is eligible for postpay payment, outputting the result to the user computer, and transmitting whether to sell the product to the information provider server; The user authentication is confirmed through communication with the server computer, the product price of the user input from the server computer is recorded in the corresponding telephone number, and the user bills the product using a telephone bill, and the user receives the product. When the payment is made, it is characterized in that it is composed of a network operator server that pays the goods price to the server computer so that the server computer can pay the information provider server.

Therefore, the present invention is to provide the effect of eliminating the hassle of having to purchase a prepaid card every time since the postpay payment is possible only by registering a combination of their own phone number and password.

Description

Network-based transaction deferred payment system and method

The present invention relates to a post-payment payment system and method of electronic commerce, and more particularly, when purchasing a product or using a paid information service through an Internet information provider server such as a virtual shopping mall and a paid information site established in a communication network such as the Internet. If you apply for a postpay billing subscription using an Internet site and enter only a combination of a phone number and a password when you purchase a product, the post-pay billing system of e-commerce allows the network operator's server to charge you for the goods you used in the telephone bill notice. It is about how.

1 is a view for explaining an electronic commerce system using a prepaid card according to the prior art.

The user accesses a website provided by the information provider server 20 through a communication network such as the Internet by using the user computer 10.

The information provider server 20 inputs a user's prepaid card number into the server computer 30 when a product selection signal is input from the user computer 10 among various products including digital content held on its web site.

When the prepaid card number is input from the information provider server 20, the server computer 30 calculates the fare information such as the current remaining amount of the prepaid card, whether it is available for sale, the remaining amount after sale, and the like to the user computer 10. The operation result is output, and the sales confirmation information is transmitted to the information provider server 20.

Then, the information provider server 20 provides the user with the product or the paid service selected by the user, and bills the server computer 30 for the sales amount of various products including the digital content provided to the user. The server computer 30 pays the amount to the information provider server 20.

If the remaining amount confirmed by the server computer 30 is insufficient to purchase the product, the user must purchase and use another prepaid card. If you use up the amount of the prepaid card you bought again, you must purchase it again.

In the electronic commerce system using the prepaid card according to the prior art as described above, the user has to continue to purchase the prepaid card off-line and the prepaid to enter when purchasing the goods on the Internet There was an inconvenience that the card number changes every time you buy a card.

In addition, even if the operator side of the server computer 30, the information on the user's rating and fee in the prepaid card number stored in the database is changed every time the card is issued again, so a plurality of databases for one user must be constructed. there was.

In addition, since the card must be issued continuously, there was a problem in that the cost of producing the card is added.

Accordingly, an object of the present invention is to solve the above-mentioned problems, the network provider server bills the user for the content purchased from the information provider server using the user's telephone notification, and the product price paid by the user to the network provider server The present invention provides a post-payment payment system and method for electronic commerce that are paid online to an information provider server via a server computer.

1 is a view showing an example of an electronic commerce system using a prepaid card according to the prior art,

2 is a view schematically showing the configuration of a postpaid payment system for electronic commerce according to the present invention;

3 is a flow chart illustrating a flow of a postpaid payment method for electronic commerce according to the present invention.

* Description of Signs of Main Parts of Drawings *

100: your computer

200: information provider server

300: server computer

400: network operator server

In order to achieve the above object, the post-pay payment system for electronic commerce according to the present invention includes a user computer that allows a user to apply for a post-paid payment subscription through an Internet site and select various products including digital content provided by an information provider server. Wow; When a product selection signal is input from the user's computer, a link is provided to the server computer to enter a telephone number and password used for payment of the post-payment of the goods. An information provider server for transmitting to the server computer; When a postpay payment user subscription request signal is input from the user computer, the phone number and password entered by the user are set as a recognition number and registered, and when the user computer is linked from the information provider server, the user's phone number and password are entered. A server computer for transmitting to a network operator server to search for a user who is eligible for postpay payment, outputting the result to the user computer, and transmitting whether to sell the product to the information provider server; The user authentication is confirmed through communication with the server computer, the product price of the user input from the server computer is recorded in the corresponding telephone number, and the user bills the product using a telephone bill, and the user When the payment is made, it is characterized in that it is composed of a network operator server that pays the goods price to the server computer so that the server computer can pay the information provider server.

In addition, the post-payment payment method of the electronic commerce according to the present invention includes the steps of: (1) a user accessing an Internet site opened on a server computer using a user computer to apply for a post-pay payment subscription; (2) if the user selects a product provided by the information provider server, linking to a server computer; (3) the server computer determining whether a telephone number and a password are input from the user computer; (4) when the telephone number and password are input in the step (3), the server computer determines whether the user is entitled to postpay payment by means of communication with the network operator server; (5) transmitting the search result to the information provider server so that the user can be provided with the product, if the user is eligible for postpay payment in step (4); (6) transmitting a search result to prevent the information provider server from selling the product to the user if the user is not eligible for postpay payment in step (4); (7) The information provider server bills the server computer for the sale price of the goods sold to the user through the above process (5), the server computer bills the network operator server, and the network operator server uses the telephone notice to the user. Claiming process; (8) The selling price of goods charged in the step (7) is a user pays to the network operator server, the network operator server pays to the server computer, the server computer performs the process of paying to the information provider server do.

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

2 is a diagram schematically illustrating a configuration of a postpaid payment system for electronic commerce according to the present invention.

As shown, the user has to pay for the goods in order to purchase various goods including digital content provided by the information provider server 200 which will be described later. In order to pay postpaid according to the present invention, it is necessary to apply for a postpaid payment subscription first before purchasing a product. The postpaid payment subscription application must use the postpaid payment permission using the Internet site opened by the server computer 300 to be described later.

A user accesses an Internet site established by the server computer 300 using the user computer 100 and inputs data necessary for subscription to postpaid payment. Enter your password, the phone number and password for which you are required to pay your personal details and payment. After the subscription application for postpaid payment, the user can use the postpaid payment system when purchasing goods on the Internet.

The information provider server 200 enters into an agreement related to the e-commerce with the server computer 300 and sets the number and amount of all products sold online to the user and registers them with the server computer 300, and the server computer 300. By installing the program provided by the user to request and confirm the data of the information related to the postpay payment in real time.

In addition, the information provider server 200 when the user connects through a communication network such as the Internet and selects a product that he wants to purchase from among various products including digital content held on his website, the user's telephone number for postpay payment. And the server computer 300 to input the password. When a user approval signal is input from the server computer 300, the corresponding product is sold to the user.

The information provider server 200 bills and pays the server computer 300, which will be described later, for payment of goods sold to each user through the above-described process.

The server computer 300 sets a phone number and password inputted by the user when applying for the postpay payment subscription to the unique number, and outputs a postpay payment system use permission signal to the user computer 100. The server computer 300 has a database of user's personal information and fee information used for purchasing a product according to the input user's unique number.

When the user is linked through the information provider server 200, the server computer 300 requests the user to input a telephone number and password, and according to the telephone number and password input by the user, the network operator server 400 to be described later. The communication with the user confirms the authentication of the user and outputs the user approval signal to the information provider server.

The information provider server 200 may determine whether the user is allowed to sell a postpayable product.

In addition, the server computer 300 stores the sales amount of various products including the digital content provided to the user from the information provider server 200 in the database, and requests payment from the network operator server 400 to be described later to receive payment. The paid payment is paid to the information provider server 200.

The communication network operator server 400 checks the authentication of the user's telephone number input from the server computer 300 and transmits it to the server computer 300, and the user's telephone number and password and the user's phone number from the server computer 300. When the information on the product price purchased from the information provider server 200 is input, the product price information is recorded in the corresponding telephone number. The product amount of the user input from the server computer 300 is added to the database and recorded on a monthly basis. This is based on a month, because the telephone bill is notified of the commodity price.

When the network operator server 400 sends a telephone notice including a product price to the user, the user pays the product price and the telephone fee to the network service provider server 400. The network operator server 400 pays the server computer 300 only the amount corresponding to the product price of the fee of the telephone notification paid by the user.

The operation of the postpaid payment system for electronic commerce according to the present invention configured as described above will be described in more detail with reference to FIG. 3.

Figure 3 is a flow chart illustrating in detail the flow of the postpay payment method of electronic commerce according to the present invention.

First, in order to purchase a product using the Internet, a user needs a subscription procedure based on postpaid payment. A user uses the user computer 100 to access an internet site related to postpaid payment opened at the server computer 300 and applies for a postpaid payment subscription. The user inputs personal information, a phone number and a password at the time of application for subscription (S10).

A user who has applied for a postpaid payment subscription accesses an information provider server 200 which is affiliated with a server computer 300 that is in charge of electronic commerce through postpaid payment established on the Internet using a user computer 100. do. The user accessing the information provider server 200 selects a desired product from various products including digital content (S20).

When the user selects the product, the information provider server 200 is linked to the server computer 300 for payment (S30).

The server computer 300 requests the user to input a phone number and password, and checks whether the phone number and password are input from the user computer 100 (S40).

When the phone number and password are input in the process (S40), the server computer 300 transmits the phone number and password to the network operator server 400 to verify the authentication and then sell or not to sell the product to the user (S60).

The network operator server 400 transmits related data to the server computer 300 by searching for a user and a phone number, checking whether the phone number is canceled, whether or not the product is paid for the phone number, and the like.

The server computer 300 analyzes the data input from the network operator server 400 and informs the user of the data provided by the network operator server 400 if the user cannot purchase a product, and informs the information provider server 200 of the result. It is transmitted to prevent the sale of goods (S70).

The server computer 300 informs the information provider server 200 to perform the product sale if the user can sell the product as a result of the determination (S60), and the information provider server 200 sells the product selected by the user (S80).

The information provider server 200 bills the server computer 300 for merchandise sales, the server computer 300 bills the network operator server 400, and the network operator server 400 records the telephone recorded in the database. The phone bill corresponding to the number and the price of the product is billed to the user using the telephone notification (S90).

The user pays the purchase price of the goods, such as the phone charges charged in the telephone notice, the network operator server 400 pays the goods paid by the user to the server computer 300, the server computer 300 is the information provider server Final payment to 200 (S100).

As described above, according to the post-payment payment system and method of the present invention, first, when a user inputs a telephone number and a password using a postpaid payment site opened on a server computer, a purchase price of a product is charged through a telephone notification. In addition, the user provides the effect of making a postpaid payment online using a computer without the inconvenience of having to purchase the prepaid card off-line every time.

Secondly, if a unique number, which is a combination of a telephone number and password entered once, is entered into the database, the server computer provides the effect of having fewer databases without having to have multiple databases for one user.

Third, it does not cost any prepaid card production and provides an economic effect that does not require a separate distribution network.

Fourth, it provides the effect that users using the telephone can use the Internet e-commerce as a simple interface.

Claims (2)

A user computer which allows a user to apply for a post-paid payment subscription through an Internet site and select various products including digital content provided by an information provider server; When a product selection signal is input from the user's computer, a link is provided to the server computer to enter a telephone number and password used for payment of the post-payment of the goods. An information provider server for transmitting to the server computer; When a postpay payment user subscription request signal is input from the user computer, the phone number and password entered by the user are set as a recognition number and registered, and when the user computer is linked from the information provider server, the user's phone number and password are entered. A server computer for transmitting to a network operator server to search for a user who is eligible for postpay payment, outputting the result to the user computer, and transmitting whether to sell the product to the information provider server; The user authentication is confirmed through communication with the server computer, the product price of the user input from the server computer is recorded in the corresponding telephone number, and the user bills the product using a telephone bill, and the user And a communication network operator server that pays the product price to the server computer so that the server computer can pay the information to the information provider server when the payment is made. (1) a user accessing an internet site opened by a server computer using a user computer and applying for a post-pay billing subscription; (2) if the user selects a product provided by the information provider server, linking to a server computer; (3) The server computer determines whether a telephone number and password are input from the user computer: (4) when the telephone number and password are input in the step (3), the server computer determines whether the user is entitled to postpay payment by means of communication with the network operator server; (5) in the process (4), if the user is eligible for postpay payment, transmitting the search results to the information provider server so that the user can receive the goods; (6) transmitting a search result to prevent the information provider server from selling the product to the user if the user is not eligible for postpay payment in step (4); (7) The information provider server bills the server computer for the sale price of the goods sold to the user through the above process (5), the server computer bills the network operator server, and the network operator server uses the telephone notice to the user. Claiming process; (8) The selling price of goods charged in the step (7) is a user pays to the network operator server, the network operator server pays to the server computer, the server computer performs the process of paying to the information provider server Deferred payment method of e-commerce.