KR20040005352A - A small loan settlement system for electronic commerce and its operating method - Google Patents

Abstract

The present invention discloses a micro payment system for electronic commerce and its operating method. In other words, the present invention has a great advantage in changing the payment pattern from the conventional subscriber-oriented to the consumer-oriented by introducing a variety of small payment methods to a plurality of vending machines so that consumers can pay in the way they want.

And although it is a small amount of payment, given a certain mileage according to the performance, and converts the various mileage to integrated mileage or if you want to exchange for cash, you do not lose the mileage.

In addition, subscribers can accurately understand their sales status and use them as marketing materials, and consumers can identify and confirm their consumption trends and spending conditions, thereby establishing a sound consumption culture.

Credit card, mobile phone bill, transportation card, phone card, cash, cyber money, mileage, etc. can be used as a payment method.

In addition, the present invention is a payment system for the Internet-based electronic commerce is a system that can be used even if the amount is large as well as a small payment system such as a vending machine.

Description

A small loan settlement system for electronic commerce and its operating method}

<TECHNICAL FIELD OF THE INVENTION

The present invention relates to a micro payment system for electronic commerce and its operation method. In particular, the present invention relates to a system that can facilitate payment in various micro-commerce based on the Internet, and a sales method for operating the same.

According to the present invention, various information such as transaction details, transaction date and time, customer, transaction amount, payment method, etc. are provided to the system administrator via wired or wireless, and accordingly, when the user and subscriber need it, the user can quickly search for the information he / she needs through internet access. You can do it. The present invention relates to a technology for controlling, managing and operating a plurality of subscriber stations via the Internet. This includes payment on sale and user authentication technologies.

<Prior Art in the Field of the Invention>

One of the prior art in this field is a system and method for paying vending machines using reserves acquired online and offline. This technology allows members to purchase vending machines as reserves through cards containing information on the reserves earned by participating in advertisements or events.

Another technology in this field discloses an interface system that provides user authentication and security functions in a system for making micropayments online using a mobile phone. In other words, the technology relates to a vending machine fee payment system through a connection between a telecommunications company and a vending machine management company. It enhanced security by strengthening the user authentication process online.

Another technique in this area is to use the Internet to advertise and allow e-commerce. In this technology, information is scaled / analyzed by managing a database of items sold by vending machines.

Another technology in this field is the payment and processing using personal portable terminals. The reader recognizes a personal portable terminal using a reader, reads personal information, and transmits it to a service provider server for approval of a commerce payment.

Another technology in this field relates to vending machines capable of advertising and sweepstakes and vending machines using the Internet. In other words, in this technology, when the prize is won, the amount is refunded through the vending machine and the prize is awarded.

Another technology in this field relates to Internet-connected information vending machines that can remotely manage the state of the vending machine.

Another technology in this area is to manage the vending machine through a telecommunications online network, pay with a mobile card, and enable automatic cleaning.

However, the above-described conventional technologies do not provide technologies for integrating credit cards, mobile phones, cyber money, etc. as payment methods, and the consumer cannot confirm transaction information because the management of the contents of the small transactions is mainly subscribers.

An object of the present invention is to provide a micro payment system for electronic commerce and its operation method for solving the problems of the prior art as described above.

Other objects and advantages of the present invention will become more apparent from the following detailed description of the invention and the accompanying drawings.

1 is a block diagram of a micropayment system according to the present invention.

2 is a flowchart illustrating a method of operating a micropayment system according to the present invention.

<Brief description of the main parts of the drawings>

100: vending machine 200: micro payment system operating server

300: Database for micropayment system 500: Consumer

600: communication company 800: server for authentication

900: database for authentication

Looking at the configuration and operation method of the micro-payment system for electronic commerce according to the present invention with reference to Figure 1 and 2 as follows. The system of the present invention is intended for all micropayment system operators subscribed as members. For example, vending machines selling various products such as cans, toothpaste, toothbrushes, soaps, newspapers, various tickets, towels, razors, coffee, tea beverages, ticket vending machines for baths, and ticket vending machines for express bus terminals. It can be applied to various micro payment systems, such as train and subway ticket vending machines, and food ticket vending machines at highway rest areas.

The e-commerce micropayment system operator (hereinafter referred to as the "Itel Bank") has established a web server and database to manage subscribers of the e-commerce micropayment system. In addition, an authentication server (for example, a fingerprint authentication server) is separately provided as an authentication system for confirming the identity of those who make small transactions through these subscribers. Alternatively, the authentication service may be processed by interworking with a server of an existing authentication company without having a separate server for authentication.

Subscribers 100 subscribed as members of the ITEL Bank are connected to the web server 200 of the ITEL Bank through the Internet. The connection is not subject to any means, either wired or wireless. In addition, through a business alliance with a mobile carrier, the authentication result of the micro payment may be received as an SMS. Accordingly, the subscriber 100 can basically communicate with the web server 100 through the Internet, and is basically equipped with an internet access device and a wireless terminal to enable wireless communication via SMS. The wireless terminal includes both a mobile phone and a PDA such as an Internet communication terminal and an SMS communication terminal.

The consumer 500 may use the micropayment system according to the present invention without having to register as a member of the itel bank. However, by presenting more favorable conditions to the consumer (500) joined as a member can be induced to join themselves as a member (s20). For example, we offer more value-added services to our members.

Now, the consumer 500 selects a coffee in the vending machine installed by the subscriber 100 and then selects a payment method (s40). At this time, the payment method may be a mobile phone, credit card / traffic card, telephone card. The consumer selects one of these payment methods.

When the consumer inputs predetermined authentication request information together with the selected payment means information through the information input means installed in the vending machine, and transmits the input information to the server for authentication via the web server, the authentication server is the authentication The result is transmitted to the consumer or the corresponding vending machine requesting the authentication (s60).

In this example, a case where a consumer selects a mobile phone will be described as an example. The step (s60) is slightly different as shown in Figure 2 depending on the payment method selected by the consumer. If the consumer selects the mobile phone (s50), the consumer brings the mobile phone owned by the predetermined information reader installed in the vending machine (s62). Then, after the mobile phone information is read by the information reader by the proximity sensor function, the information is transmitted to the authentication server 800 through the web server 200 (s64).

The authentication server 800 passes through a predetermined authentication procedure and transmits the authentication result to the subscriber 100 through the web server 200. At this time, the web server 200 first transmits the authentication result to the consumer 100 using the SMS (s66). However, if the SMS is not properly serviced by the explosion of users, it is automatically sent by e-mail. At this time, the authentication result includes a predetermined authentication number, and the authentication number is secured to be valid only within a predetermined time.

The user 100 may directly input the authentication number received by SMS or e-mail into the input window of the vending machine by hand, or by pressing a predetermined key of the mobile phone, for example, a call button, the authentication number may be automatically displayed on the vending machine. It may also be input to (s68). For this purpose, the unique number of the vending machine must be specified in the certification result.

This is very easy to use because the user can make a transaction by simply pressing the call button as soon as the mobile phone is once brought to the vending machine.

Thereafter, the vending machine discharges the corresponding product (s80), and the subscriber who operates the vending machine is the operator corresponding to the payment method selected by the consumer (in this case, the mobile phone) (in this case, the mobile communication to which the consumer has subscribed). The operator) and bills for the goods (s100). Accordingly, the operator deposits the price of the goods to the subscriber (s120), and the subscriber who receives the money of the goods pays a predetermined fee to the system operator of the present invention (s140).

At this time, the transaction details are stored in the database 300 by the web server 200 for a predetermined time period. And the subscriber 100 and the consumer 500 can access the web server 200 at any time, if necessary, to view their transaction information, and if there are any questions on the transaction, it is possible to challenge the itel bank. do. In addition, the Itel Bank grants the mileage to the subscriber 100 and the consumer 500 according to a predetermined criterion according to the transaction performance. And iTel Bank converts its mileage into cash whenever the subscriber or consumer wants. In addition, the mileage can be used for other mileages affiliated with Itel Bank, and the mileage is also converted into cash if the subscriber or consumer desires based on predetermined criteria. In this case, a certain electronic exchange fee may be charged in the process of converting the mileage into cash or the integrated mileage of the itel bank, thereby benefiting from this.

In addition, the mobile carrier 600 subscribed to by the consumer 500 transmits the details used by the consumer 500 to the consumer and the itel bank every certain period (for example, one month), and imposes the charge when the communication fee is charged. And when the amount corresponding to the use of the small payment system of the itel bank to the itel bank, the itel bank deducts a predetermined fee here and transfers the remaining amount to the account of the subscriber 100. Alternatively, according to a business partnership, the mobile carrier 600 may transfer a predetermined fee to the itel bank and directly transfer the remaining amount to the subscriber 100.

On the other hand, the consumer 500 is similarly handled in the case of payment using a credit card or a transportation card rather than a mobile phone. That is, when the credit card or transportation card is brought close to the information reader (including the card reader) of the vending machine or passed through the card reader (s70), the card information is read and transmitted to the web server, and the web server sends it to the authentication server for authentication. (s72) When the authentication result is sent to the vending machine (s74) payment is made automatically. When the payment is made with the credit card, when the subscriber charges the card company, the payment is made to the bank account designated by the subscriber within a predetermined period.

Phone cards can be used similarly to credit cards. In the case of the telephone card, when the telephone card is inserted into or near the information reader (s76), the balance information on the telephone card is read (s77), and it is checked whether the balance is greater than or equal to the price of the goods (s78). If the balance is less than the price of the goods, the user is guided to select a payment method again. Otherwise, the amount of money is deducted from the balance and the amount deducted from the card is recorded (s79). Based on this, the telephone company that issued the telephone card will be charged the amount.

In addition, the consumer may use cyber money as a payment method, or may use various mileages obtained through shopping, participating in an event, viewing an advertisement, and the like.

On the other hand, the present invention can use a variety of cards, such as credit card, transportation card, telephone card as a payment method, so that when the information reading means of the vending machine reads the card information, it reads the information indicating the type of the card and recognizes the type of the card. It requires a process. For this purpose, each card preferably includes unique information indicating the type of card.

Itel Bank processes various information for each subscriber and calculates statistics and stores them in the database. Therefore, subscribers can view their sales information at a glance. For example, you can download and analyze various statistical data such as purchase tendency by product, season, time, and age to use as your marketing data. Each vending machine has a built-in management program, and the management program may be downloaded and installed from the web server 200 through the Internet. Various changes are automatically updated online.

As such, the present invention may be variously modified and may take various forms, and only the specific embodiments thereof are described in the detailed description of the present invention. It is to be understood, however, that the present invention is not limited to the specific forms mentioned in the detailed description of the invention, but rather includes all modifications, equivalents, and substitutions within the spirit and scope of the invention as defined by the appended claims. It should be understood to do.

As described above, the present invention can increase sales by adding a high degree of intelligence to a plurality of vending machines so that consumers can comfortably purchase the goods by various payment methods.

In addition, subscribers can remotely view their various sales information and use them as marketing materials, and consumers can check their transactions at any time to establish an accurate consumption culture.

And it is possible to pay using a credit card, mobile phone bill, transportation card, phone card, cash, cyber money, mileage as a payment method.

Various mileages can be used, and the mileage can be converted into cash, so that even small mileages are not wasted unnecessarily.

Claims (17)

A web server for operating a micro payment system for electronic commerce; A web server database connected to the web server for processing and storing various information related to system operation; A plurality of vending machines operated by a subscriber subscribed as a member of the system operator capable of receiving SMS service through an internet communication facility and a mobile carrier; Information input means for consumer authentication installed in the vending machine to confirm the identity of the consumer; Information reading means installed in the vending machine for reading predetermined information from the payment means of the consumer; An input device installed in the vending machine for directly inputting predetermined information by a consumer; A display device installed in the vending machine to show predetermined information to the consumer; An authentication server for receiving the information input through the authentication information input means or information reading means through the web server; And A micro payment system for electronic commerce, comprising a database for an authentication server connected to the authentication server and containing various authentication related information. The web server of claim 1, wherein the authentication server selects a mobile phone as a payment means and moves the mobile phone to the information input means, the vending machine uses the built-in proximity sensor to display predetermined information of the mobile phone through the web server. In this case, the authentication server transmits the authentication result and the authentication number obtained by comparing the mobile phone information and the received information of the consumer stored in the database for the authentication server to the consumer via SMS through the mobile communication company, and the received authentication number Is entered through the input window of the vending machine, the item selected by the user is discharged from the vending machine, and the mobile carrier of the mobile phone used by the consumer later charges the item price to the consumer along with the mobile communication fee. Receiving and paying to the system operator, the electronic Micro payment system for commerce. The method according to claim 1, wherein the consumer selects a transportation card with which a credit card or a business credit card affiliated with a specific credit card company for payment later is used as a means of payment, and moves the credit card or transportation card to the information input means, or When a predetermined section of the information input means passes, predetermined information is read, and the read information is transmitted to the authentication server through the web server, and the authentication process is performed. The authentication result is transmitted to the vending machine. After receiving the authentication result, if the payment is possible as a result, the consumer discharges the product selected by the subscriber, if the credit card company later charges the credit card company, the credit card will deposit the amount to the subscriber, characterized in that for e-commerce Micropayment system. 2. The apparatus of claim 1, wherein when a consumer selects a telephone card as a payment means and moves the telephone card to the information input means or inserts it into a predetermined section of the information input means, predetermined information is read by the vending machine. The vending machine that reads the balance information from the read information transmits a predetermined amount of card information to the web server if the balance is equal to or greater than the item price selected by the consumer, and writes the balance on the phone card after deducting the item price. The selected item is discharged, and when the subscriber subsequently charges the payment amount along with the phone card information to the operator who issued the calling card, the calling card issuer pays the corresponding amount. system. The micropayment system for electronic commerce according to claim 1, wherein the consumer uses various mileages secured by the consumer as a payment means. The micropayment system of claim 1, wherein the micropayment system operator receives a predetermined fee and converts the specific mileage into cash or converts the predetermined mileage into a predetermined integrated mileage, if desired by the consumer. Operators operating a micro-payment system for e-commerce that can receive SMS services through Internet communication facilities and mobile carriers can build web servers and databases for web servers, and receive SMS services through Internet communication facilities and mobile carriers. Recruiting consumers and vending machine operators as members (s20); A step in which the consumer selects a desired item and a payment means in the vending machine (s40); When the consumer inputs predetermined authentication request information together with the selected payment means information through the information input means installed in the vending machine, and transmits the input information to the server for authentication via the web server, the authentication server is the authentication Transmitting the result to the consumer who requested the authentication or the corresponding vending machine (s60); Discharging the article by the vending machine when the certification is verified (s80); Claiming, by the subscriber who discharged the goods, the goods price to the operator corresponding to the payment method selected by the subscriber (s100); (S120) the operator corresponding to the payment method selected by the subscriber deposits the corresponding goods price to the subscriber; And And a step (s140) in which the subscriber who has received the payment for the goods pays a predetermined fee to the system operator (S140). The method of claim 7, wherein the payment means is one of a credit card, a mobile phone, a traffic card, a phone card, mileage, and cyber money. The method of claim 8, wherein when the payment means is a mobile phone, the authentication result is transmitted to a consumer via SMS. The method of claim 9, wherein the consumer directly inputs the authentication number included in the received authentication result through an input window of the vending machine. 10. The method of claim 9, wherein when the received authentication result includes an authentication number and a predetermined number for designating the corresponding vending machine, when the consumer presses a predetermined button of the cellular phone toward the input window of the vending machine, the authentication result is the corresponding vending machine. Method for operating a micro payment system for electronic commerce, characterized in that automatically input to. The micro-payment system of claim 8, wherein the system operator converts the mileage into cash if the consumer desires, or converts various mileages into predetermined integrated mileage, and receives a predetermined exchange fee. Operating method. The system of claim 7, wherein the consumer who is registered as a member of the system operator is given a predetermined mileage according to the use performance, and variously provided additional information provided by the system operator is differentially provided to the non-member consumer. A method of operating a micro payment system for e-commerce, characterized in that the user can check his / her various purchase information by accessing the web server of the operator. [8] The electronic commerce system of claim 7, wherein the vending machine operator who is registered as a member of the system operator can access the web server of the system operator to check various sales information of the vending machine and establish a marketing strategy based on them. How to operate a micropayment system. The method of claim 7, wherein the step (s60) when the consumer selects a mobile phone as a payment means, A step (s62) in which the consumer approaches the mobile phone to the information input means; The vending machine reads predetermined information of the mobile phone by using a built-in proximity sensor, sends the web server to the authentication server (s64); The authentication server transmits the authentication result and the authentication number obtained by comparing the mobile phone information and the reception information of the consumer stored in the database for the authentication server to the consumer via SMS through the mobile communication company (s66); And And (s68) inputting the received authentication number into the vending machine. The method (s60) of claim 7, wherein when the consumer selects a transportation card that has a business alliance to make a payment later for the use fee with a credit card or a specific credit card company as the payment method, (S70) a consumer moves the credit card or traffic card to the information input means or passes a predetermined section of the information input means; Predetermined information is read through the proximity of the card or a predetermined section, and the read information is transmitted to the authentication server through the web server and then subjected to an authentication procedure based on the information stored in the authentication database (S72). ; And The authentication server comprises the step of transmitting the authentication result to the vending machine (s74), the method of operating a micro-payment system for electronic commerce. The method of claim 7, wherein the step (s60) when the consumer selects a telephone card as a payment method, Inserting, by the consumer, a telephone card into a predetermined section of the information input means (s76); Reading predetermined information by inserting the calling card (s77); A vending machine reading balance information from the read information, and determining whether the balance is equal to or greater than a price selected by the consumer (s78); And If the balance is greater than or equal to the selected price, the card information is transmitted to the web server. If the balance is insufficient, the balance is recorded. And (s79) selecting the payment means again after displaying to the consumer through the electronic commerce.