KR20010113158A - Price Settlement system and method on electronic commerce - Google Patents

Abstract

The present invention relates to a payment device for a purchased article on an electronic commerce and to a method for paying for the goods purchased by the consumer on an electronic commerce in an installment manner, the consumer in an electronic commerce including co-purchase or auction When a purchase order is input to a predetermined product, the credit status and the purchase limit amount of the consumer are inquired so that payment can be made in an installment method only when the inquired credit state and the purchase limit amount are more than the reference value.

Description

Payment Settlement Apparatus and Method for Electronic Goods in Electronic Commerce {Price Settlement system and method on electronic commerce}

The present invention relates to a payment device for a purchased article on an electronic commerce and a method thereof, and more particularly to a purchase article on an electronic commerce to enable the consumer to pay for the goods purchased by the consumer in an interest-free installment method. It relates to a billing apparatus for and a method thereof.

Recently, a company that has a sales contract with a large number of affiliates operates a shopping mall through the Internet, and displays a predetermined product supplied from the affiliated store in the shopping mall. When an order is placed, e-commerce, which provides shopping convenience to consumers, is rapidly increasing because the product is delivered by an affiliate that supplies the product.

However, in such an e-commerce, the payment method of the purchase price for the ordered product is limited to the payment by cash or payment by credit card using a credit card. In this case, the user has to carry out an operation for depositing a bankbook one by one, for example, going to a bank, making a bankbook, or performing an account transfer using telebanking or Internet banking.

In addition, in the case of the credit card payment, the user must enter the card number and password, etc. of the credit card, credit card company or merchant management office because of the nature that you can purchase goods on the Internet only knowing the card number and password When the credit card number and password are leaked alone, the credit card is used by a third party and the original owner of the credit card frequently suffers an economic loss. For this reason, payment by credit card There are a lot of consumers to avoid.

On the other hand, when an affiliate supplying a product for sale enters into a sales contract with the operator of the shopping mall, it is common to pay a predetermined entry fee. The fees incurred by VAN companies are borne by the affiliates, and only the balance excluding the fees is settled as payment.

Accordingly, the present invention has been made to solve the above-mentioned conventional problems, and it is possible to settle the purchase price on an article of purchase on an electronic commerce that allows the payment for an article purchased for a consumer with a good credit rating on an electronic commerce. The object of the present invention is to provide a billing apparatus and a method thereof.

In accordance with a preferred embodiment of the present invention for realizing the above object, a payment device for a purchased article on an electronic commerce, Web server for sending a predetermined screen for electronic commerce to the user as the user connects; A data storage unit for storing user purchase information of a user registered as a member of the user; A time period system for determining whether a user who inputs a current product order is an installment purchase target based on the user purchase information stored in the data storage unit; Reviewing a user determined to be the installment purchase target under the control of the period system and executing an order for the corresponding product only when the user is determined to be the installment purchase target; When a delivery order for a predetermined product is received from a plurality of points in a state in which a predetermined sales contract is concluded with a company operating the web server, the affiliated company may be configured to deliver / install the corresponding product to the user.

According to a payment method for a purchased product on an electronic commerce according to a preferred embodiment of the present invention for realizing the above object, in the method for paying for a product purchased on an electronic commerce, a predetermined user Selecting and placing a purchase order for the product, calculating a credit status and a purchase limit of the user; A second step of judging the user as an installment payment target and transmitting the user information and the purchase information of the product to a point when the user's credit status is good and the price of the product is lower than the calculated purchase limit amount; Re-reviewing the installment settlement subject at the point and finally determining whether the installment settlement subject is based on the examination result; A fourth step in which a product ordered from a user who is finally determined as the installment payment target is delivered / installed from an affiliated company by an order of the branch; If the point is confirmed that the delivery / installation of the product is configured to have a fifth step of paying for the product to the partner at the time point of the return allowance period elapsed.

1 is a block diagram showing the main configuration of a payment device for a purchase article in an electronic commerce according to a preferred embodiment of the present invention

2 to 4 is a flow chart for explaining the payment method for goods purchased in the e-commerce according to a preferred embodiment of the present invention

<Description of Symbols for Main Parts of Drawings>

2,4: User web browser 6,8: User modem

10: communication network 12: web server

14: shopping mall 16: product information DB

18: User management DB 20: Period system

22: user purchase information DB 24: branch 1

26: point 2 28: dedicated communication network

Hereinafter, with reference to the accompanying drawings will be described an embodiment of the present invention in more detail.

1 is a block diagram showing the main configuration of a payment device for a purchased article in an electronic commerce according to a preferred embodiment of the present invention, with reference to the drawings will be described in detail the operation of the present invention.

Reference numerals 2 and 4 are, for example, user web browsers provided to the consumer who purchases a predetermined product through electronic commerce through the Internet, and 6 and 8 indicate that the user web browsers 2 and 4 connect to the communication network 10. It is a user modem that connects to a specific web server and performs data processing to enable bidirectional communication with the web server.

Reference numeral 10 is a communication network that provides a bidirectional communication path between a web browser and a server by connecting a plurality of web browsers and servers through a network solution including a modem.

Reference numeral 12 is a web server that operates a site for payment in installments for the purchase price of the product ordered by the consumer on the e-commerce, 14 is a shopping mall operated by the web server 12, 16 is The product information DB is stored product information on the product supplied from the partner to be described later.

In addition, reference numeral 18 is a user management DB that stores the ID and password for the registered user, and 20 is requested through the web server 12 to perform a credit check on a specific person and connected through a dedicated communication network 24. 22 is a user purchase information DB which stores information on the degree of credit of the registered user and the amount of purchase limit, as well as information on purchase performance and installment payment.

In addition, the reference numerals 24 and 26 are distributed throughout the country, and under the control of the above-mentioned system 20, the purchase order of the provisional installment payment subjects is checked according to the internal standard, and the products ordered only for the installment payment targets having the purchasing ability Among the many branches that pay the purchase price for the product when the return allowance period passes after the order is delivered to the appropriate partner and the partner confirms whether the product has been delivered. The first and second points shown as an example.

Reference numeral 28 is a dedicated communication network provided for real time information exchange between the main system 20 and a plurality of points including the first point 24 and the second point 26.

In addition, reference numerals 30 and 32 in Fig. 1 are affiliated web browsers installed on the side of affiliates that make predetermined sales contracts with the operators operating the web server 12 and supply predetermined products to be sold to the web server 12. , 34 and 36 are affiliated modems in which the affiliated web browsers 30 and 32 access data to a specific web server through the communication network 10 and perform data processing to enable bidirectional communication with the web server.

In the present invention, the sales contract concluded between the affiliated company and the operator of the web server 12 is different in the installment form according to the contents of the installment financing. First, a separate entry fee when the affiliated company enters the shopping mall 14 Interest-free installment method that the affiliate bears the interest on the payment amount incurred in the process of making a payment and charges the amount excluding the interest from the payment for the delivered product, and second, the above If the affiliate establishes the maximum interest-free period (months) and the user wishes to exceed the maximum interest-free period, the interest for the period exceeding the maximum interest is paid by the user. There is a general installment financing interest payment method in which the user pays all interest for the period.

In addition, in FIG. 1, reference numeral 40 denotes, for example, a credit rating agency server operated by an external credit institution bank association or Korea Credit Information, etc., and the balance of money currently deposited in a bank account upon request from the period system 20. In addition, based on information on occupation, income tax payment performance, property tax payment performance, etc., the degree of credit for any individual is calculated and the credit inquiry result is transmitted to the period system 20.

In the payment system for the purchased goods in the electronic commerce according to the preferred embodiment of the present invention configured as described above, if any user accesses the web server 12 through the user web browser 2, the web server ( 12, the home page corresponding to the shopping mall 14 is output through the user web browser 2, and a message is output to the new member registration guide.

In this state, when the user web browser 2 selects a new member registration item, the web server 12 displays user information such as a user ID, a password, a social security number, a residential address, on the user web browser 2. Print a new membership form with information about your e-mail address, current property ownership, occupation, and monthly income.

When the new member registration form is written through the user web browser 2, the web server 12 transmits the input user information to the period system 20 and at the same time to the period system 20 side. Requiring a credit inquiry for the employer and calculating the purchase limit based on the credit inquiry result.

Here, the period system 20 transmits the user information to the credit rating agency server 40 and inquires the credit information of the user through the credit rating agency server 40 and the credit corresponding to the inquiry result. When information about the status and the purchase limit amount is transmitted from the credit rating agency server 40, the credit status / purchase limit amount calculated by the user information and the credit status / purchase limit calculated from the credit rating agency server 40 A credit rate and a purchase limit amount for the user are finally calculated by applying an amount and the like at a predetermined rate.

Accordingly, the period system 20 stores the finally calculated credit / purchase limit amount in the user purchase information DB 22, and thereafter, when the user tries to purchase a predetermined product in a non-payment manner. Provides quick access to credit status and purchase limits.

2 is a flowchart for explaining a payment method for a purchased product in an electronic commerce according to a preferred embodiment of the present invention, with reference to the drawings will be described in detail the operation of the present invention.

First, when any user web browser 2 accesses the shopping mall 14 through the user modem 6 and the communication network 10 (step S2), the web server 12 is output on the home page. It is determined whether a predetermined user ID and password are input through the ID and password input fields (step S4).

Here, when a predetermined user ID and password are input from the user web browser 2 (Yes in step S4), the web server 12 stores the user ID / password stored in the user management DB 18. After determining whether it matches the ID / password (step S6), if it is determined that the input user ID / password matches the user ID / password stored in the user management DB 18 (Yes in step S6). In addition, it determines that the user is a registered member and logs on as a member.

While performing the above process, the web server 12 displays a picture or specification of a product to be sold on the shopping mall 14 based on the information stored in the product information DB 16, and displays the corresponding product. In this case, when the user web browser 2 selects a predetermined product from the displayed products and places a purchase order in order to purchase any product (step S8), the web server 12 in step S4. While the user ID and the price of the product to be ordered are transmitted to the main system 20, the main system 20 is requested to inquire about the credit status of the user corresponding to the user ID and the purchase limit amount. do.

Thus, the period system 20 is based on the credit information of the user stored in the user purchase information DB 22, the amount of purchase limit amount of information, and the credit status of the user based on the information on the purchase records and payment results And the purchase limit amount is inquired and the inquiry result is transmitted to the web server 12 (step S10). If it is determined that the credit status of the user is poor, the web server 12 cannot purchase. Send a message on the user's web browser (2) to limit the purchase of the product by the user (step S11).

Unlike the case described above, however, if it is determined that the credit status of the user is good and the price of the product exceeds the purchase limit amount as a result of the inquiry in step S10, the purchase limit amount based on the occupation group of the user After reassessing (step S12), it is determined whether the price of the ordered product exceeds the purchase limit amount reassigned in step S12 (step S14).

As a result of the determination, if the price of the ordered product does not exceed the re-purchased purchase limit amount (Yes in step S12), the process proceeds to step S20, which will be described later, while the judgment result shows that the purchase limit amount is recalculated. If exceeding (No in step S14), the purchase limit amount is displayed on the user web browser 2 so that the user can confirm it (step S16), and requests an order within the purchase limit amount (step S18). ).

However, unlike the above-described case, if the credit status of the user is in a good state and the price of the product is within the purchase limit amount, the web server 12 opens the user EB browser 2. The installment financing agreement is displayed, and the pre-registered e-commerce ID and password are required for input, so that the user ID and password are inputted.

Subsequently, when the installment financing agreement is created through the user web browser 2 (step S20), if the user has previously signed an authentication agreement, the user receives a previously registered authentication ID and password, For example, the web server 12 corresponds to the region where the user web browser 2 is located among the plurality of points of the order contents input in the step S8 through the main system 20 and the dedicated communication network 28. The data is transmitted to the first point 24 (step S22).

Accordingly, the first branch 24 visits the user in person and examines it directly, or conducts a wired examination through the telephone, or examines the user by visiting him, and whether the user applying for installment financing corresponds to himself. (Step S24), and on the basis of the result, it is determined whether the user can purchase the product ordered in the step S8 in an installment payment method corresponding to the credit status and the purchase limit amount inquired in the step S10 ( Step S26).

In this case, when the user ID is completed by entering the e-commerce ID and password in step S20, the user authentication process performed in step S24 can be omitted.

If it is determined that the credit status and the purchase limit of the user which have been re-examined in the step S24 are found to be lower than the credit condition and the purchase limit amount of the user who are inquired in the step S10, the user is determined to be an unpurchased customer. (No in step S26), the first point 24 cancels the agreement and transmits such a state to the web server 12 via the period system 20, whereby the web server 12 is the user's electronic device. The user is notified of the canceled state of the agreement by mail, telephone or document (step S28).

However, on the contrary, if it is determined in step 26 that the credit status and purchase limit amount of the user re-examined in step S24 are equal to or higher than the credit status and purchase limit amount of the user inquired in step S10, Determining that the user is a purchaseable customer (Yes in step S26), and notifies the main system 20 through the dedicated communication network 28 of the state that the transaction for the product ordered by the user is concluded, and thus The main system 20 subtracts the product price corresponding to the order with which the transaction is concluded from the purchase limit amount, and stores the readjusted purchase limit amount in the user purchase DB 22 (step S29).

At the same time, the first branch 24 transmits the order information of the product to the affiliate web browser 3 of the affiliate that supplies the product ordered by the user and requests delivery of the product (step S30). .

Upon request, the affiliated company delivers and installs the ordered product to the user (step S32), accesses the web server 12 through the communication network 40, and reports the delivery installation completion status. ) Reports the delivery installation completion state to the first point 24 through the main system 20 and the dedicated communication network 28 (step S34).

Subsequently, the first point 24 receives a report on the delivery completion status, and if a refund or return is not received for the delivered / installed product during a return allowance period, for example, nine days, for example, a method of account transfer or the like. As a cash payment to the partner.

In this case, the payment amount to the affiliated company is an amount less the predetermined interest amount generated when the interest-free installment method.

Thereafter, the branch collects payment for the sold product by transferring the installment amount from the bank account input by the user every month.

Here, the bank account is input for the installment payment when the user makes a purchase order in step S8.

However, unlike the above-described series of processes, in the state where the predetermined user ID and the password are not input as a result of the determination in step S4 or the state in which the user is connected as a guest is determined (No in step S4), the user web browser (2) When a specific product is selected and a purchase order for the product is placed (step S40), the web server 12 uses user information such as a user ID, password, social security number, Require the input of information on the residence address, e-mail address, current property ownership, occupation, monthly income, etc. and receive the user information (step S42).

Subsequently, when the web server 12 transmits the input user information to the period system 20 to request a credit inquiry, the period system 20 sends the user information, for example, a social security number, to the credit rating agency server 40. ) To allow the credit rating agency to conduct a credit inquiry of the user corresponding to the non-member in real time (step S44).

Accordingly, when the credit inquiry result is notified from the credit rating agency server 40 (step S46), the web server 12 proceeds to step S10 to control to perform the above-described series of operations.

As described above, according to the payment method for a purchased product on an electronic commerce according to a preferred embodiment of the present invention, when a user including a non-member on an electronic commerce orders a product purchase, the user's credit status and the purchase limit amount are 1 After re-inspecting whether or not the user can purchase the product again, and reconfirming the result, the payment is uncollected by allowing the user to finally finalize the order with the user only when the user has a purchase capability with payment ability. By minimizing the possibility, and in the case of interest-free installment method, the user can purchase a certain product with interest-free installment to provide interests on interest payments and increase the sales volume by establishing a diversified sales network through the communication network. Not only has the effect but also the risk of raising Minimized and it makes you want to shorten the payment time meurosseo liquidity to the shares in cash payments.

Hereinafter, with reference to the flowchart shown in Figure 3 will be described in detail the billing method for the purchase article at the time of joint purchase is applied to the billing method for the purchase article in the electronic commerce according to a preferred embodiment of the present invention.

First, when any user web browser 2 accesses the web server 12 via the user modem 6 and the communication network 10 (step S50), the web server 12 is connected to the user web browser. Through (2), a predetermined homepage for purchasing a product including a joint purchase is outputted.

Subsequently, when the joint purchase product is selected through the user web browser 2, the web server 12 displays details of the selected joint purchase product based on the product information stored in the product information DB 16, for example, a product model name. Information on the product picture, the number of the joint purchase goods, the product price, etc. is output through the user web browser 2 (step S54).

In this state, when the corresponding joint purchase participation application is made through the user web browser 2 (step S56), the web server 12 logs after inputting the member ID and password to the user web browser 2. -It is requested to be checked in, and it is determined whether or not to be logged in in response to the request (step S58).

As a result of the determination, if the user web browser 2 is a non-member who has not been given a member ID and a password and is not logged on (No in step S58), the web server 12 moves onto the user web browser 2. After outputting a screen for a new member registration guide, the process proceeds to step S58 to determine whether the user web browser 2 is logged in as a member.

However, unlike the above case, if it is determined in the step S58 that the logged-in status as the membership after determining the member ID and password from the user web browser (2) (Yes in step S58), The web server 12 transmits the user ID of the user and the price of the product targeted for the purchase order to the main system 20, and the credit status of the user corresponding to the user ID in the main system 20. Requires inquiry of purchase limit amount.

Thus, the period system 20 is based on the credit information of the user stored in the user purchase information DB 22, the amount of purchase limit amount of information, and the credit status of the user based on the information on the purchase records and payment results And the purchase limit amount is searched and the inquiry result is transmitted to the web server 12 (step S64). If the credit state of the user is in a poor state as a result of the inquiry, the web server 12 sends a message indicating that the purchase is impossible. Is transmitted to the user's web browser (2) to limit the purchase of the product by the user (step S65).

However, unlike the above-described case, if the credit status is good as a result of the inquiry in step S64, but the price of the product exceeds the purchase limit amount, the purchase amount is based on the occupation group of the user. After the determination (step S66), it is determined whether the price of the ordered product exceeds the purchase limit amount recalculated in the step S66 (step S68).

If the price of the ordered product does not exceed the repurchase limit amount, which is determined in step S68 (Yes in step S68), the process proceeds to step S80, which will be described later. If the purchase limit is exceeded (No in step S68), the purchase limit amount is displayed on the user web browser 2 so that the user can check it (step S70), and requests an order within the purchase limit amount. (Step S72).

On the other hand, if it is determined in the step 64 that the credit status of the user is good and the price of the product is within the purchase limit amount, the web server 12, the web server 12 is the user browser (2) The installment financing agreement is displayed, and a pre-registered e-commerce ID and password are required to input the ID, and a password is inputted.

Subsequently, when the installment financing agreement is created through the user web browser 2 (step S80), the web server 12 applies in step S74 through the main system 20 and the dedicated communication network 28. The order contents are transmitted to, for example, the first branch 24 corresponding to the region where the user web browser 2 is located among the plurality of branches (step S82).

Accordingly, the first branch 24 visits the user in person and examines it directly, or conducts a wired examination through the telephone, or examines the user by visiting him, and whether the user applying for installment financing corresponds to himself. (Step S84), and on the basis of the result, it is determined whether the user can purchase the product ordered in the step S74 in an interest-free installment method corresponding to the credit status and the purchase limit amount inquired in the step S64. (Step S86).

In this case, when the user ID is completed by entering the e-commerce ID and password in step S80, the user authentication process performed in step S86 can be omitted.

If it is determined that the credit status and the purchase limit of the user re-reviewed in the step S84 are lower than the credit status and the purchase limit amount of the user in step S64, the user is determined to be an unpurchased customer. (No in step S86), the first point 24 cancels the agreement and transmits such a state to the web server 12 via the period system 20, whereby the web server 12 transmits the electronic message of the user. The user is notified of the status of the cancellation of the agreement by mail, telephone or document (step S88).

However, on the contrary, if it is determined in step 86 that the credit status of the user and the purchase limit amount that have been re-examined in step S84 are determined to be higher than or equal to the user's credit status and the purchase limit amount that are inquired in step S64, Determining that the user is a purchaseable customer (Yes in step S86), the main system 20 is notified through the dedicated communication network 28 to inform the state that a transaction for the product ordered by the user is concluded, and thus The main system 20 subtracts the product price corresponding to the order with which the transaction is concluded from the purchase limit amount, and stores the read limit amount adjusted in the user purchase DB 22 (step S89).

At the same time, the first branch 24 transmits the order information of the product to the affiliate web browser 3 of the affiliate that supplies the product ordered by the user and requests delivery of the product (step S90). .

Upon request, the affiliated company delivers and installs the ordered product to the user (step S92), accesses the web server 12 through the communication network 40, and reports the delivery installation completion status. C) reports the delivery installation completion state to the first point 24 through the main system 20 and the dedicated communication network 28 (step S94).

Subsequently, the first point 24 receives a report on the delivery completion status, and if a refund or return is not received for the delivered / installed product during a return allowance period, for example, nine days, for example, a method of account transfer or the like. As a cash payment to the partner.

According to the present invention described above, even when the goods are purchased in the joint purchase method, the purchase price can be settled in interest-free installment method, partial interest-free installment method, general installment financing method (interest interest installment).

Hereinafter, referring to the flowchart shown in FIG. 4, the payment method for the purchased product purchased through the auction to which the payment method for the purchased product in the electronic commerce according to the preferred embodiment of the present invention is applied is described in detail. Explain.

First, when any user web browser 2 accesses the web server 12 through the user modem 6 and the communication network 10 (step S100), the web server 12 connects the user web browser. Through (2), a predetermined homepage for purchasing a product, including a purchase in an auction method, is outputted.

Subsequently, when the auction item is selected by the user web browser 2, the web server 12 displays details of the selected auction item based on the product information stored in the product information DB 16. For example, a product model name, a product Information on the photo, auction period, auction start price, auction upper limit price, current price, number of bids, etc. is output through the user web browser 2 (step S104).

In this state, when an auction bid application is input from the user web browser 2 (step S106), the web server 12 logs in after inputting the member ID and password to the user web browser 2. Then, it is determined whether to log in in response to the request (step S108).

As a result of the determination, if the user web browser 2 is a non-member who has not been given a member ID and a password and is not logged on (No in step S108), the web server 12 enters the user web browser 2. After outputting the screen for the new member registration guide (step S110), the process proceeds to step S58 to determine whether the user web browser 2 is logged in as a member.

However, unlike the case described above, if it is determined in the step S108 that the logged-in status as a membership after determining the member ID and password from the user web browser (2) (Yes in step S108), The web server 12 transmits information on the user ID of the user, the upper limit price, the lower limit price, the present price, etc. of the price of the auction item to the period system 20, and corresponds to the user ID in the period system 20. It asks for the user's credit status and purchase limit amount.

Accordingly, the period system 20 credits the user based on the information on the degree of credit of the user and the amount of the purchase purchase limit and information on the purchase record and the installment payment result stored in the user purchase information DB 22. And the purchase limit amount is searched and the inquiry result is transmitted to the web server 12 (step S112). If the credit state of the user is in a poor state as a result of the inquiry, the web server 12 sends a message indicating that the purchase is impossible. Is transmitted to the user's web browser (2) to limit the purchase of the product by the user (step S114).

However, unlike the above case, if the credit status is good as a result of the inquiry in step S112, but the price of the product exceeds the purchase limit amount, the purchase limit amount is redefined based on the occupation group of the user. Subsequently (step S116), it is determined whether the current price and the highest price of the product bidding to auction exceed the purchase limit amount reassigned in step S116 (step S118).

As a result of the determination, if the present price or the highest price of the auction item does not exceed the repurchase limit amount (YES in step S118), the process proceeds to step S124, which will be described later. If the limit amount is exceeded (No at step S118), the purchase limit amount is displayed on the user web browser 2 so that the user can check it (step S120), and requests an order within the purchase limit amount (step S120). Step S122).

On the other hand, after it is determined in step S112 that the credit status of the user is good and the current price or the upper limit price of the auction item is within the range of the purchase limit amount, a bid is made through the user web browser 2. When the bid for the auction item is input (step S124), the web server 12 completes the registration for the auction item and registers it (step S126) and auctions on the auction item for a predetermined auction end period. Allow the action to be performed.

In this state, when the auction ends and the auction ends, the web server 12 uses the e-mail to finally set a bid for the highest price of the terminal, for example, the user web browser 2. Notify the successful bidder for the auction item.

Then, the web server 12 determines whether an order is made by the user web browser 2 (step S130), and if the order is not made from the user web browser 2 within a predetermined period ( No in step S130), the user is regarded as having a purchase abandonment intention for the auction item, and the purchase request for the auction item is withdrawn (step S131).

However, when the determination result in the step S130 is the order application is made through the user web browser (Yes in step S130), the web server 12 is the installment financing agreement through the user browser (2) The electronic commerce ID and password which are registered in advance are required to be displayed, and identity verification is performed in which the electronic commerce ID and password are input.

When the installment financial agreement is created through the user web browser 2 (step S140), the web server 12 receives the order input in step S130 through the main system 20 and the dedicated communication network 28. The content is transmitted to, for example, the first point 24 corresponding to the area where the user web browser 2 is located among the plurality of points (step S142).

Accordingly, the first branch 24 visits the user in person and examines it directly, or conducts a wired examination through the telephone, or allows the user to come to visit to review the credit status and installment payment ability of the user. It is checked whether the user who applied for installment financing corresponds to the user (step S144), and based on the result, it is determined whether the user can purchase the product ordered in step S130 in the installment payment method ( Step S146).

In this case, when the user ID is completed by entering the e-commerce ID and password in step S140, the user authentication process performed in step S146 can be omitted.

As a result of the determination, if the user's credit status and installment payment ability, etc., which have been re-examined in step S144 are detected to be lower than the credit status and the purchase limit amount, the user is determined to be an unpurchased customer. (No in step S156), the first point 24 cancels the agreement and transmits such a state to the web server 12 via the period system 20, whereby the web server 12 is connected to the user. The user is notified of the state of the cancellation of the agreement through e-mail, telephone, or document (step S158).

However, on the contrary, if it is determined in step 146 that the credit status and the purchase limit amount of the user who have been re-examined in step S24 are determined to be higher than or equal to the credit condition and the purchase limit amount that are inquired in step S112, Determining that the user is an installment purchase target (Yes in step S146), and notifies the main system 20 through the dedicated communication network 28 of the state that a transaction for the product ordered by the user is concluded, and thus the period The system 20 deducts the product price corresponding to the order in which the transaction is concluded from the purchase limit amount, and stores the readjusted purchase limit amount in the user purchase DB 22 (step S148).

At the same time, the first branch 24 transmits the order information of the product to the web browser of the affiliated company supplying the product ordered by the user and requests delivery of the product (step S150). .

Upon request, the affiliated company delivers and installs the ordered product to the user (step S152), accesses the web server 12 through the communication network 40, and reports the delivery installation completion state. ) Reports the delivery installation completion state to the first point 24 through the main system 20 and the dedicated communication network 28 (step S154).

Subsequently, the first point 24 receives a report on the delivery completion status, and if a refund or return is not received for the delivered / installed product during a return allowance period, for example, nine days, for example, a method of account transfer or the like. As a cash payment to the partner.

As described above, the present invention can be settled by interest-free installment, partial interest-free installment, general installment (interest interest installment) even when a predetermined item is purchased by auction method.

According to the payment device for the purchased goods in the electronic commerce according to the embodiment of the present invention as described above and the method, since the user can pay the purchase price of the product purchased on the e-commerce with interest-free installment If you do not need to extend the purchase payment after a certain period of time, interest-free installment can not only take economic advantage of interest on the purchase price, but also for disadvantages or cash payments that can be caused by payment by credit card during e-commerce. The inconvenience of having to make a passbook is eliminated.

In addition, according to the payment device and the method for the purchase of goods on the e-commerce according to an embodiment of the present invention, the partner side when the return period is allowed to return the purchase price subtracted the interest from the operator side of the web server In addition to ensuring the liquidity of funds as well as the cash flow of products and products, it is easy to cash out products or products, resulting in economic gains, and by diversifying the sales network using a communication network, sales volume can be increased. do.

In addition, in the present invention, since the affiliate company does not pay for the goods with a credit card, it is possible to relieve the burden on fees paid to credit card VAN companies when the goods are paid for with a credit card.

On the other hand, the present invention is not limited to the above-described embodiment, but can be modified and modified within the scope not departing from the gist of the present invention, such modifications and changes should be regarded as belonging to the following claims. will be.

Claims (18)

A web server for sending a predetermined screen for electronic commerce to the user as the user connects; A data storage unit for storing user purchase information of a user registered as a member of the user; A time period system for determining whether a user who inputs a current product order is an installment purchase target based on the user purchase information stored in the data storage unit; Reviewing a user determined to be the installment purchase target under the control of the period system and executing an order for the corresponding product only when the user is determined to be the installment purchase target; And an affiliated company that delivers / installs the product to the user when a delivery instruction for a predetermined product is received from the plurality of points in a state in which a predetermined sales contract is concluded with the operator operating the web server. Payment device for purchased goods in commerce. The method of claim 1, If the point is reported that the delivery / installation completion status from the partner, the payment device for the purchased goods on the e-commerce, characterized in that the payment for the goods shipped / installed after the return allowance period elapsed. The method of claim 1, The sales contract is entered into the shopping mall operated by the web server without a subscription fee, and the interest according to the interest-free installment is borne by the affiliate, and the payment is returned when the delivery / installation completion status is reported from the affiliate. Payment system for purchases on e-commerce, characterized in that the payment in cash after the allowable period has elapsed. The method of claim 1, The user purchase information is a payment device for the purchased goods on the electronic commerce, characterized in that the information on the degree of credit and the amount of purchase purchase limit and the purchase history and payment of the installment payment. The method of claim 1, The branch directly visits the user determined to be the installment purchase target by the period system, re-examines the credit status and the installment payment ability of the user, and then installs the user only when the credit state and the installment payment ability of the user are equal to or greater than a reference value. Payment system for purchase goods on the e-commerce, characterized in that the determination as the purchase target. The method of claim 1, The branch visits the user determined to be the installment purchase target by the period system to re-examine the credit status or the installment payment ability of the user, and then installs the user only when the credit state and the installment payment ability of the user are equal to or greater than a reference value. Payment system for purchase goods on the e-commerce, characterized in that the determination as the purchase target. The method of claim 1, The branch may re-examine the credit status and the installment payment ability of the user in the state of contact with the user through a telephone determined to be the installment purchase object by the period system, and then re-examine the credit status and the installment payment ability of the user only when the credit value and the installment payment ability are higher than a reference value. A payment device for purchase goods in an e-commerce, characterized in that the user is determined to be eligible for an installment purchase. The method of claim 1, When the credit inquiry for any non-member is requested from the web server, the main system includes the credit level and the purchase limit amount calculated based on the personal information of the non-member, and the external credit checker connected through the communication network. A credit settlement device for an e-commerce transaction, characterized in that the credit inquiry and the purchase limit amount of the non-member are calculated by performing a credit inquiry on the non-member and applying the credit limit and the purchase limit amount obtained therefrom at a predetermined ratio. The method of claim 2, The settlement price is a payment device for the purchased goods on the e-commerce, characterized in that the required cost according to the installment in the price for the delivery / installed product is reduced. The method of claim 1, When the order is concluded, the period system adjusts the purchase limit amount by subtracting the price of the ordered product from the purchase limit amount of the user who placed the order, and stores the adjusted purchase limit amount in the data storage unit. Payment system for purchased goods in the electronic commerce. In the method of paying for the products purchased on the e-commerce, A first step of calculating a credit status and a purchase limit amount of the user when a user selects a predetermined product and places a purchase order for the product; A second step of judging the user as an installment payment target and transmitting the user information and the purchase information of the product to a point when the user's credit status is good and the price of the product is lower than the calculated purchase limit amount; Re-reviewing the installment settlement subject at the point and finally determining whether the installment settlement subject is based on the examination result; A fourth step in which a product ordered from a user who is finally determined as the installment payment target is delivered / installed from an affiliated company by an order of the branch; When the point is confirmed that the delivery / installation of the product has passed the return allowance period elapses the payment for the goods on the e-commerce characterized in that it comprises a fifth step of paying for the product to the partner side Payment Method. The method of claim 11, When the e-commerce ID and password registered in advance for the e-commerce from the user is input, the payment method for the purchased goods on the e-commerce, characterized in that further comprising the step of performing a self-identification. The method of claim 11, Calculating a credit status and a purchase limit of a user who ordered the product in the first step, and performing a credit inquiry to an external credit rating agency through a communication network in real time. The method of claim 11, In the first step, the credit status / purchase limit amount calculated by the user information provided by the user side and the credit status / purchase limit amount calculated by the credit inquiry result inquired through an external credit rating agency through the communication network at a predetermined ratio. The payment method for the purchased goods in the e-commerce, characterized in that the final calculation of the credit status and the purchase limit amount of the user by applying. The method of claim 11, Even when the product selected by the user is a joint purchase product, if the credit status of the user is good and the price of the product is lower than the calculated purchase limit amount, the user is determined to be an interest-free installment determination target and the user is sent to the point. The payment method for the purchased goods on the electronic commerce, characterized in that for transmitting information and purchase information of the product. The method of claim 11, Even if the product selected by the user is an auction item, if the credit status of the user is good and the price of the product is lower than the calculated purchase limit amount, the user is determined to be an interest-free installment determination target and the user information is sent to the point. And a payment method for the purchased article on the electronic commerce, characterized in that to transmit the purchase information of the product. The method of claim 11, In the second step, if the credit status of the user is good while the price of the product is higher than the calculated purchase limit amount, the purchase limit amount is recalculated based on the occupation group of the user and the purchase limit amount is greater than the determined purchase limit amount. If the price of the product is low, the payment method for the purchased goods on the e-commerce, characterized in that the user is determined to be eligible for payment. The method of claim 11, If the user is determined to be the installment payment target in the second step, the payment method for the purchase goods on the e-commerce, characterized in that it further comprises the step of preparing an installment financial agreement.