WO2002017178A1 - Systemes de reglement direct en ligne et procedes associes - Google Patents

Systemes de reglement direct en ligne et procedes associes Download PDF

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Publication number
WO2002017178A1
WO2002017178A1 PCT/KR2001/001381 KR0101381W WO0217178A1 WO 2002017178 A1 WO2002017178 A1 WO 2002017178A1 KR 0101381 W KR0101381 W KR 0101381W WO 0217178 A1 WO0217178 A1 WO 0217178A1
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WIPO (PCT)
Prior art keywords
settlement
purchaser
terminal
seller
commodity
Prior art date
Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
Ceased
Application number
PCT/KR2001/001381
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English (en)
Inventor
Taegyo Kang
Jiyoung Yoon
Minsoo Kang
Current Assignee (The listed assignees may be inaccurate. Google has not performed a legal analysis and makes no representation or warranty as to the accuracy of the list.)
Markinc
Original Assignee
Markinc
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Filing date
Publication date
Priority claimed from KR1020000046896A external-priority patent/KR20000063971A/ko
Application filed by Markinc filed Critical Markinc
Publication of WO2002017178A1 publication Critical patent/WO2002017178A1/fr
Anticipated expiration legal-status Critical
Ceased legal-status Critical Current

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    • G—PHYSICS
    • G06—COMPUTING OR CALCULATING; COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention relates to a settlement method in electronic commerce using a credit card or a bank account transfer, and in particular, to a system and a method guaranteeing safe transactions without exposing settlement information of a purchaser who wishes to purchase goods or a service and request approval of the transaction by accessing a credit card affiliated seller and a financial settlement server through his/her terminal.
  • a purchaser directly hand in his/her own credit card to a seller of a credit card affiliated seller once after purchasing goods or a service.
  • the seller subsequently transmits to the credit card settlement system information on the credit card, including the credit card number and its valid period, etc., as well as an amount to be settled. If the settlement is approved by the credit card settlement system based on the transmitted information, the transaction is established.
  • a purchaser wishes to order a commodity or a service on a remote basis through Internet or telephone
  • the purchaser notifies a credit card affiliated seller of his/her personal information including the credit card number.
  • the seller then notifies a credit card settlement system of the received information through a credit card exclusive terminal in the store. Once the transaction is approved by the credit card settlement system, the seller delivers the purchased commodity to the purchaser to complete the transaction.
  • this method also poses a problem of exposing the settlement information including the information on a credit card to a seller or a payment gateway (P.G.).
  • the P.G. refers to a third party who encodes the information inputted by a purchaser and transmits the encoded information to a settlement system. Since a seller can request a settlement based on the settlement information inputted by a purchaser, the seller may settle a single transaction on a multiple basis by misusing the personal information on the purchaser including the credit card number. The seller may also leak the purchaser's personal information to a third party. Therefore, unless a trust has been established between a purchaser and a seller, the purchaser would not let the seller know his/her personal information including the credit card number and its password. For these reasons, on-line settlement using a credit card has failed to be popular.
  • a seller carrying a wireless settlement system visits each purchaser for offline transactions. If the seller inputs a purchaser's credit card in the credit card exclusive terminal on the spot, the terminal is accessed to a remote settlement server by means of the wireless communication device, which has a function of wireless transmission and reception to acquire an approval for the transaction.
  • This method is mainly used for delivery services.
  • this method lies in that it is not an on-line settlement system in a real sense that precludes a personal contact between a seller and a purchaser. Moreover, this method also poses the problem of exposing the information on a purchaser to a seller.
  • NAN value-added network
  • the conventional settlement method using a bank account transfer also poses the similar problems as in case of the settlement method using a credit card.
  • the common problems of all the conventional settlement methods are that, in case of a transaction made through personal contacts, the merits of online transactions are not fully utilized because the seller requests an approval for the transaction or an account transfer to a credit card company or a bank.
  • information on the credit card of the purchaser is directly exposed to the seller.
  • the problem of exposing a credit card number or a bank account number is in a trade-off relationship with an absolutely on-line and non-personal contact-based method. No method has yet been developed to satisfy both conditions.
  • the conventional settlement terrninal equipped by the credit card affiliated sellers cannot exclude the complicated intermediary steps due to its inherent structure.
  • an object of the present invention to provide an on-line settlement system and a method thereof that enable a purchaser and a seller to transact and settle the commodity order by using a credit card or a bank account transfer without exposing information on the credit card or the bank account of the purchaser to the seller. It is another object of the present invention to provide an on-line settlement system and a method thereof using a wireless terminal, in particular, among the terminals of a purchaser.
  • an on-line settlement system for receiving a request for settling a commodity order including the commodity information and the settlement information through a purchaser's terminal so as to settle the order, characterized in that the information on the purchased commodity is transmitted through a seller's terminal without exposing the settlement information to the seller. Therefore the seller is not provided with the settlement information, but only the information on approval of the transaction in addition to the commodity information.
  • the on-line settlement system is characterized in that: a purchaser's terminal accesses the on-line settlement system to transmit information on the commodity to be purchased; a message corii ⁇ rming an intention for purchase includes information on the commodity to be purchased; and a seller's terminal receives information on the commodity to be purchased and an approval for settling the order.
  • the seller's terminal may receive the message confirming an intention for purchase from the purchaser's terminal by using the connection information for connection to the purchaser's terrninal pre-stored by the purchaser in the purchaser's terminal such as an e-mail address or a telephone number of the purchaser.
  • the on-line settlement system according to the present invention may be an on-line settlement system using a credit card or a bank account transfer.
  • the purchaser's terminal may be a wire terminal or a wireless terminal.
  • the request for settlement may include connection information for connection to the purchaser's terminal pre-stored by the purchaser in the purchaser's terminal such as a mobile telephone number of the purchaser.
  • the on-line settlement system can exactly identify the purchaser in comparison with the information on the pertinent mobile telephone subscriber provided by the mobile communication company. If the connection information for connection to the purchaser's terminal is an e-mail address of the purchaser, the on-line settlement system according to the present invention can also exactly identify the purchaser in comparison with the information on the pertinent e-mail account subscriber provided by the e-mail server.
  • the "commodity" referred to in the present invention includes all kinds of goods and services manageable and transactable by a human.
  • Fig. 1 is a diagram illustrating a preferred embodiment of the present invention
  • Fig. 2 is a diagram illustrating an on-line settlement system using a wire terminal
  • Fig. 3 is a diagram illustrating the on-line settlement system using a wireless terminal
  • Fig. 4 is a diagram illustrating the on-line settlement system according to the present invention, in which a purchaser orally requests a purchase of a commodity by means of a telephone;
  • Fig. 5 is a diagram illustrating the on-line settlement system according to the present invention using a bank account transfer;
  • Fig. 6 is a diagram illustrating the on-line settlement system according to the present invention applied to a sales business using a catalog
  • Fig. 7 is a diagram illustrating the on-line settlement system according to the present invention applied to an Escrow settlement method.
  • Fig. 8 is a diagram illustrating a structure of a message confirming an intention for purchase according to the present invention.
  • Fig. 1 is a diagram illustrating a preferred embodiment of the present invention by exemplifying characteristic features thereof.
  • Fig. 1 shows a purchaser 200 who purchases goods or a service (hereinafter, referred to as the "commodity") on line by using a credit card or a bank account transfer, a seller 100 who supplies the commodity, and an approval and settlement system 300 (hereinafter, referred to as the "settlement system”) for approving settlement of a commodity order.
  • the purchaser 200 requests a purchase of a commodity by either accessing the seller 100 on line or by calling the seller 100 on a wire or wireless phone (SI).
  • SI wireless phone
  • the purchaser acquires information on the commodity to be purchased through either a product catalog or a home shopping broadcasting provided in advance, or through an instant telephone consultation, or through an instant browsing of the seller's internet shopping mall or off-line market.
  • the purchaser subsequently expresses his/her intention for purchase by designating a particular commodity and its quantity.
  • the information on the commodity to be purchased will be referred to as the "commodity information.”
  • the commodity may be designated either by its name or by a corresponding commodity code assigned in advance by the seller.
  • the purchaser selects and designates a kind of a credit card to settle the commodity order.
  • to select the kind of a credit card to settle the commodity order means to select the name of a credit card issued by a particular credit card company. Specific information on the credit card such as the card number should not be included at this stage.
  • the purchaser inputs information to be used by the seller for transmitting a message confirming an intention for purchase, e.g., an e-mail address or a telephone number of a wireless terminal of the purchaser. Such information may also be used for identifying the purchaser at a later stage. Detailed description in that regard will be made later.
  • the seller 100 checks whether or not he/she is able to meet the corresponding request (e.g., if any stocks are available). In the affirmative, the seller confirms receipt of the request and transmits a message confirming the purchaser's intention for purchase to the purchaser (S2).
  • the message is transmitted by means of the e-mail address or the telephone number of the wireless terminal of the purchaser.
  • This message includes settlement system connection means for automatically connecting the purchaser 200 to the settlement system 300 as well as the commodity information. Further details in this regard will be described later.
  • the purchaser 200 who has received the message conf ⁇ rrning an intention for purchase in step S2 confirms the commodity information included in the message and finally decides to purchase the commodity.
  • the purchaser 200 accesses the settlement system 300 of the credit card by using the settlement system connection means installed in the message window confirming an intention for purchase to request approval of the transaction and settlement of the order (S3; hereinafter, referred to the "request for settlement").
  • the purchaser 200 inputs settlement information related to his/her own credit card.
  • the settlement information may include numerous kinds of information on the purchaser or his/her credit card, such as the ID number and password of the purchaser, CNC (Card Verification Code) number and valid period or identifier of the credit card, etc.
  • the purchaser 200 inputs at least one or more information of the above settlement information. It is possible to input the number of ID either on a partial or on an entire basis.
  • the card identifier is a number pre-registered by the purchaser at the credit card company. If this card identifier is received by the settlement system of the credit card company, the settlement system searches from its database information including the entire number of the credit card, which is recorded in the database by being interlocked with the card identifier, to proceed with the settlement.
  • the settlement system can proceed with the settlement without exposing any information on the credit card to the seller. It is also possible to encode the settlement information by means of an electronic signature based on the password or a public key.
  • the settlement information inputted by the purchaser is transmitted to the settlement system 300 of the credit card company (S3) but not to the seller 100.
  • the settlement system 300 performs a necessary checking process to confirm whether or not the purchaser 200 is an owner of the credit card, and if the credit card is available for the corresponding transaction. If the request for settlement is effective, the settlement system
  • the settlement system 300 transmits a message approving the transaction and confirming the settlement to the seller 100 only or to both the seller 100 and the purchaser 200 (S4).
  • the settlement system 300 performs a computing process therein to complete activities of each party of the direct online settlement system according to the present invention. Though not illustrated in the drawings, additional steps may be taken as a post process as follows: The seller 100, who has received the message confirming approval of the transaction, delivers the purchased commodity to the purchaser
  • the seller 100 receives a bill and requests the credit card company to pay for the bill.
  • These steps, actually taken off line, are not directly related to the request for settlement or approval made on line. Therefore, no description will be made herein with respect to those steps.
  • the step taken by the seller to request the credit card settlement system to pay for the bill may be a step that can be realized in the on-line settlement system according to the present invention.
  • an account identifier may be used as settlement information to identify the account to be transferred.
  • the settlement system 300 of the bank searches the pre-stored account information by using the account identifier to perform an account transfer.
  • the subsequent process is the same as in case of using the credit card. That is, the settlement system 300 of the bank notifies that the transacted amount has been transferred from the bank account of the purchaser to the bank account of the seller (S4). According to the present invention, it is also possible to establish a virtual account system, which is popular these days, to perform an account transfer.
  • the mot outstanding characteristic of a preferred embodiment of the present invention shown in Fig. 1 lies in that the seller is not accessible to the information such as the credit card number or the bank account number of the purchaser unlike the conventional settlement system using a credit card or a bank account transfer. Such information is transferred to the settlement system only but not to the seller in step S3. Therefore, there is no jeopardy of leaking the personal information of the purchaser. Since the transaction system according to the present invention adopts a direct on-line settlement method, the system will be abbreviated into a "direct settlement” hereinafter. Another characteristic of the present invention lies in an absolute on-line transaction, which does not require any personal contact.
  • the purchaser and the seller need not meet physically or off-line contact with each other on a same spot because the present invention precludes the conventional process of handing in a credit card, acquiring an approval of the transaction by means of the credit card, and exchanging a receipt on the spot.
  • the settlement system according to the present invention is a novel transaction system that has resolved the problems of leaking information and requiring a personal contact in the conventional settlement system using a credit card or a bank account transfer as described above.
  • the purchaser in Fig. 1 includes all the purchasers using either a wire terminal or a wireless terminal, while the seller in Fig.
  • the seller in Fig. 1 includes all kinds of service providers who advertise and sell commodities through public network, such as an Internet shopping service provider, an on-line auction service provider, a catalog service provider, a home shopping service provider, wire or wireless digital contents data provider, as well as off-line service providers who are capable of delivering commodities by taxi or courier and settling the commodity orders with a credit card or a bank account transfer, such as a restaurant business operator.
  • the seller in Fig. 1 includes all kinds of business that can preclude a personal contact in the course of transaction while conducting the business on line and off line.
  • the seller in Fig. 1 includes all kinds of business providers who rely on an agency in establishing a commodity database server or another kind of web server for their own business.
  • a direct settlement exclusive gateway on a network so that the exclusive gateway can control the data flow between the purchaser, the seller and the settlement system (in case of a wireless settlement system, including a network business provider) and provide a function of pushing necessary short message service (SMS) as well as an exclusive agent solution.
  • SMS short message service
  • the existing seller, purchaser and the settlement system operator do not need to establish any additional system apart from downloading and mstalling agent exclusive software.
  • the settlement system can be used in a more convenient manner.
  • the exclusive gateway is not a critical constitutional element of the direct on-line settlement system according to the present invention but an optional element for the convenience of the system.
  • a seller or a purchaser Prior to initiate a transaction, a seller or a purchaser expresses his/her intention to use the direct on-line settlement service according to the present invention to a financial institution or a credit card company, and pre-registers necessary information such as the credit card number, information on the bank account to be used for account transfer, the credit card identifier, or the account identifier, etc. Other necessary information may also be pre-registered on a partial basis so as to release the burden of inputting the same information for each transaction. However, it is mandatory to establish a system not to transfer the settlement information of the purchaser to the seller.
  • the "commodity information” refers to a concept including one or more objective data related to a commodity, which is an object of the commodity, such as a name of the commodity, a code of the commodity, quantity of the commodity(ies) to be purchased, a name of the credit card affiliated store, an identifier of the credit card affiliated store assigned by the credit card company, an amount of purchase, an amount of monthly installment, if the credit is monthly paid.
  • the "settlement information” refers to a concept of including one or more subjective data that confirm and classify the subject of transaction, which are information on the credit card or bank account of the purchaser, valid period of the credit card, the CNC number, the credit card identifier, the account identifier, residence ID number, ID and password of the purchaser, etc.
  • FIG. 2 is a diagram illustrating an on-line settlement system, in which a purchaser purchases a commodity at an Internet shopping mall by means of a wire terminal and the credit is settled by a credit card.
  • Fig. 2 shows a similar construction to Fig. 1.
  • the system comprises a seller's server 110 including a database server of a shopping mall system where the seller operates an Internet shopping mall or the like, a client's PC (a wire terminal of the purchaser) 210, a settlement system 310 for performing settlement of the order and approval of the transaction, an authentication server 320(optional) for authenticating the user (purchaser) based on the database, and a direct settlement gateway 400(optional).
  • the system comprises a seller's server 110 including a database server of a shopping mall system where the seller operates an Internet shopping mall or the like, a client's PC (a wire terminal of the purchaser) 210, a settlement system 310 for performing settlement of the order and approval of the transaction, an authentication server 320(optional) for authenticating the user (
  • the purchaser first subscribes a credit card company, and transmits his/her personal information to obtain a credit card. At this stage, the purchaser may also express his/her intention to use the direct on-line settlement system and submit a variety of information necessary for authenticating the user. As this step has already been description with reference to Fig. 1, no further description will be made herein.
  • the seller should also register his/her own store to be affiliated with the credit card company so as to use the direct on-line settlement system according to the present invention. No further description will be made herein in this regard as well.
  • the purchaser's terminal 210 accesses the seller's server 110 by means of the purchaser's terminal 210, and browses a variety of information on commodities presented by the seller's server 110 in step SI.
  • the purchaser then inputs a name and quantity of a commodity to be purchased. Thereafter, the purchaser expresses his/her intention to settle the credit by using the direct on-line settlement system according to the present invention.
  • the purchaser subsequently selects a kind of the credit card to be used for settling the order (e.g., BC card, LG card, etc.).
  • the purchaser may also input additional information on the matters to be decided before requesting settlement of the order, such as whether the credit is to be settled at once or on a monthly basis, etc.
  • the purchaser should also input communication lines, e.g., an e-mail address in case of a wire terminal, through which a message confirming an intention for purchase can be returned.
  • communication lines e.g., an e-mail address in case of a wire terminal
  • the purchaser may additionally input the pertinent address and time of delivery, etc. It is beyond question that the purchaser 210 may freely input other additional information according to his/her wish.
  • the seller's server 110 receiving the information inputted by the purchaser determines whether or not it is capable of respond to the above order of commodity based on the pre-designed algorithm, e.g., whether any stocks are available, or other conditions can be satisfied. In the affirmative, the seller's server 110 transmits a message confirming an intention for purchase to the pre- stored communication lines of the purchaser through the direct settlement gateway 400 (S2, S3).
  • This message confirming an intention for purchase may include a variety of information such as the kind of the credit card to be used for settling the order, information on the commodity, price of the commodity, address and time for delivery as well as an original transaction identifier assigned to the commodity for the corresponding request for purchase.
  • the transaction identifier may be composed to enhance accuracy of the future process by interlocking therewith all the information on commodities that have been delivered to the purchaser and an approval for the transaction to be transmitted later.
  • the seller's server 110 assigns the transaction identifier.
  • the direct settlement gateway 400 may assign the transaction identifier, and informs the purchaser's terminal 210, seller's server 110 and the settlement system 310 of the credit card company of the identifier.
  • This transaction identifier may be used as a kind of address of data of communication between the transacting subjects.
  • the message confirming an intention for purchase may be composed to include connection means to the credit card settlement system 310.
  • the connection means refers to the means for automatically connecting the message requesting the settlement for purchase to the settlement system in a wire or wireless manner after the purchaser checks the message.
  • the connection means may be identified as a button or an icon, which may be represented graphically in the message.
  • the purchaser 210 can automatically transmit a message requesting settlement, which includes commodity information and settlement information, to the settlement system 310 by clicking the connection means, for example.
  • the method of constructing the connection means will be described later.
  • the connection means needs not necessarily be identified by an icon or in a visual shape. For instance, the purchaser who checked the message confirming an intention for purchase may connect the message to the settlement system 310 by using a voice message or etc.
  • the message corifirming an intention for purchase may be indirectly transmitted to the purchaser's terminal 210 through the direct settlement gateway 400.
  • the direct settlement gateway 400 is a module for exclusively processing the direct settlement according to the present invention, and is an optional constitutional element of the direct on-line settlement system employed to utilize the merits of the present invention.
  • the direct settlement gateway 400 may perform transmission of the message confirming an intention for purchase on behalf of the seller's server 310, if entrusted to do so.
  • the direct settlement gateway 400 may also perform the function of encoding or decoding the data communicated between the terminal and the settlement system.
  • the direct settlement gateway 400 may perform the authentication by using the password or the electronic signature of the user based on the public key.
  • the direct settlement gateway 400 performs all the exclusive functions necessary to carry out the processes of the present invention, and operates as a communication gateway.
  • the direct settlement gateway 400 can also perform the function of mixing the message conf ming an intention for purchase with the connection means.
  • the direct settlement gateway 400 performs the mixing function by attaching a URL of the settlement system of the credit card company or the financial institution to the message confirming an intention for purchase. The construction of the message confirming an intention for purchase will be described later.
  • the direct settlement gateway 400 is not necessarily required to realize the present invention. Rather, the purchaser's terminal 210, the seller's server 110 and the settlement system 310 may be constructed to directly perform the necessary functions.
  • the purchaser's terminal 210 who has received the message confirming an intention for purchase checks whether or not the information contained in the message is correct. In the affirmative, the purchaser's terminal 210 accesses the settlement system 310 of the credit card company to transmit an approval for the transaction and a request for settlement of the order (S4). At this stage, the purchaser inputs the settlement information mentioned above.
  • the request for approval and settlement to be transmitted to the settlement system 310 basically includes the commodity information and the settlement information.
  • the commodity information, which was inputted in step SI of requesting a transaction by the purchaser, and included in the message confirming an intention for purchase as an expression of accepting the transaction by the seller, is subsequently transmitted to the settlement system 310 through the purchaser's terminal (S4).
  • the message corifirming an intention for purchase which is an expression of accepting the transaction by the seller as well as a confirmation to purchase the commodity by the purchaser, includes the connection means for connecting the purchaser's terminal 210 to the settlement system 310.
  • the purchaser is automatically connected to the settlement system through the connection means, and needs not input the commodity information again once after having been connected to the settlement system.
  • the settlement system 310 After receiving the request for settlement of the order, the settlement system 310 checks the purchaser and the seller based on the inputted information either directly or by accessing a third server 320 (S5). For instance, the settlement system 310 checks whether: the purchaser is identical to the pre-registered card subscriber; the purchaser has a credibility; the corresponding credit card is capable of meeting the request for purchase; and whether the seller is affiliated to the credit card company and entitled to the transaction. This process of checking is the same or similar to the ordinary process of checking performed by the credit card companies in general before approval. After identifying the purchaser and checking the transactability based on the pre-stored algorithm, the settlement system 310 approves the transaction and settles the credit.
  • the settlement system 310 also transmits the approval of the transaction as well as a message confirming the settlement to the seller at a pre- stored communication line thereof (S6-1). After receiving the message confirming the settlement, the seller delivers the commodity to the purchaser. The message corifirming the settlement may also be transmitted to the purchaser (S6-2) at the e-mail address or through a wireless terminal thereof.
  • transmitting the message confirming the settlement to the purchaser is not an obligatory step but an optional step to enhance credibility on the request for settlement made by the purchaser.
  • the step of transmitting the message confirming the settlement to the seller may be taken through the direct settlement gateway 400 (S6-3).
  • S6-3 direct settlement gateway 400
  • Fig. 2 illustrates the case of transacting with an Internet shopping mall and performing settlement of credit by using a wire terminal
  • the embodiment in Fig. 2 is also appUcable to using a wireless terminal as well as to any kind of business described above. Also, it is beyond the questions that the embodiment in Fig. 2 is applicable to a bank account transfer with a slight modification within the technical scope of the present invention.
  • step SI where the purchaser initially browses the seller's commodities and requests a purchase of a commodity, the purchaser uses a wire terminal such as a PC. However, the purchaser may use a wireless terminal when receiving a message confirming an intention for purchase, and vice versa.
  • the kind of terminal to be used is determined in step SI by simply selecting a communication line, through which the message confirming an intention for purchase is to be transmitted.
  • FIG. 3 is a diagram illustrating another preferred embodiment of the on-line settlement system according to the present invention, in which the purchaser can instantly requests a purchase and settles the credit with his/her credit card by using a wireless terminal 220.
  • the wireless terminal 220 requires a gateway 230 for connecting the wireless terminal 220 to a wire network so as to be connected to an Internet protocol such as http or to the seller connected to a wire network or to the credit card settlement system.
  • the gateway 230 converts the digital data inputted from the wireless terminal so as to be transmitted to a wire network server, or converts the data inputted from the wire network server so as to be transmitted to the wireless terminal.
  • WAP wireless application protocol
  • ME mobile explorer
  • the ME gateway does not separately require a physical gateway because the same function is performed by a relay server of a mobile communication company on behalf of the ME gateway.
  • a wireless relay gateway such kind of gateway (hereinafter, referred to as a "wireless relay gateway") is merely an embodiment and optional module of the present invention.
  • the steps or system modules bearing the same drawing reference numerals as those in Fig. 2 perform the same or similar function or steps.
  • the embodiment in Fig. 3 has additional elements of a purchaser's wireless terminal 220, a wireless relay gateway 230 for interfacing signals of the wireless terminal with wire network servers, and a communication step SI' between the wireless terminal 220 and the wireless relay gateway 230.
  • a server 410 of a mobile communication company may be added in step SI' for conf ming the user of the wireless terminal. A further description in this regard will be made later.
  • the embodiment in Fig. 3 is operated as follows.
  • the purchaser's wireless terminal 220 accesses the seller's server 110 (SI) through the wireless relay gateway 230 (SI'). Thereafter, as in case of the steps shown in Fig. 2, the purchaser searches commodity information and selects a desired commodity. The purchaser then inputs a kind of his/her credit card to be used for settlement. At this stage, the purchaser may also input the telephone number of the wireless terminal 220 or e-mail address, which will be used for confirming the purchaser or as a communication line for transmitting a message confirming an intention for purchase.
  • the seller's server 110 checks whether or not the transaction is appro vable. In the affirmative, the seller's server 110 transmits the approval and a message confirming an intention for purchase to the direct settlement gateway 400 and to the purchaser's wireless terminal 220 through the wireless relay gateway 230 (S2 and S3).
  • the direct settlement gateway 400 may perform a step of identifying the purchaser based on the inputted connection information, e.g., the telephone number of the purchaser's wireless terminal, by accessing the mobile communication company server 410 (S10). In this step, the direct settlement gateway 400 may inquire the mobile communication company server 410 to identify the purchaser so as to confirm the origin of the request for purchase of the commodity, and transmit the message conffrming an intention for purchase to the purchaser.
  • the direct settlement gateway 400 may take a step of identifying the purchaser under the condition that the mobile communication company server 410 is connected to the wireless relay gateway 230 (SI 5).
  • SI 5 wireless relay gateway 230
  • This alternative has an advantage of filtering improper request for purchase from step SI.
  • the mobile communication company server 410 merely identifies the purchaser but does not transmit the information on the purchaser to the seller's server 110 or to the direct settlement gateway 400 in steps S10 and S15.
  • the purchaser checks the transmitted message confirming an intention for purchase. If the message is acceptable, the purchaser accesses the settlement system 310 of the credit card company by using the connection means provided within the message confirming an intention for purchase, while inputting the settlement information (S4).
  • the settlement system 310 of the credit card company Upon receiving the commodity information and the settlement information, the settlement system 310 of the credit card company takes a step of identifying the purchaser either directly or by accessing a third server 320 (S5) in order to decide an approval of the transaction and a settlement of the order.
  • the settlement system 310 obtains information on the purchaser by accessing the mobile communication company server 410 (S20).
  • the settlement system 310 uses the obtained information on the purchaser as additional data in the identifying step S5 for accurate identification of the purchaser. For instance, the settlement system
  • the settlement system 310 compares the telephone number of the wireless terminal user obtained from the mobile communication company with that of the wireless terminal of the purchaser. After taking the same steps as described with reference Fig. 2, the settlement system 310 transmits an approval of the transaction to the seller only or both to the seller and the purchaser (S6-1 and S6-2). In case of transmitting the approval to the purchaser's wireless terminal at this stage, it is possible to pass through the wireless relay gateway 230 as described above (ST). In case of transmitting the approval to the seller's server, it is possible to pass through the direct settlement gateway 400 as described above. Further, as described with reference to Fig. 2, a PC in a wire network may be used in step S3 of receiving the message confirming an intention for purchase, while a wireless terminal is used for access in step SI.
  • Fig. 4 is a diagram illustrating the on-line settlement system according to the present invention, in which a purchaser orally requests a purchase of a commodity by means of a telephone when the seller is a communication sales service provider or a home shopping service provider.
  • all the steps are the same or similar to the aforementioned embodiments except steps Sll and SI 2. Accordingly, an operation of the embodiment in Fig. 4 will be described hereinafter by focusing on steps Sll and S12.
  • steps Sll and S12 In the communication sales or home shopping, transactions are established through a telephone.
  • step Sll the purchaser calls the seller at the seller's communication line, and notifies the commodity information, the kind of a credit card to be used for settlement (in case of a bank account transfer, the kind of a bank account to be used for account transfer) as well as his/her communication lines, e.g., the telephone numbers of the wire and wireless terminal or an e-mail address.
  • the seller receiving the request for purchase manually inputs the information related to the request for purchase in the seller's system 110 or its equivalent (e.g., an ARS system) by using an input apparatus 240 such as a keyboard (SI 2).
  • Fig. 5 is a diagram illustrating the on-line settlement system according to another embodiment of the present invention using a bank account transfer.
  • an account transfer proxy system 330 is employed instead of the settlement system 310 in Fig. 4 used for a credit card; a request for account transfer is inputted (S8) in a bank exclusive system 340 to perform necessary account transfer; and upon receiving the result of the account transfer, the account transfer proxy system 330 notifies the purchaser alone or both the purchaser and the seller of a settlement of the order (S6-1 and S6-2).
  • the functions of the other system modules are the same or quite similar to those in
  • Fig. 5 exemplifies a case of using a wireless terminal for an account transfer
  • a wire terminal can also be used for the account transfer.
  • the account transfer system in Fig. 5 is applicable to the embodiments in Figs. 1 to 4 by substituting the settlement system for the account transfer proxy system.
  • Fig. 6 illustrates another embodiment of the present invention having a construction different from the aforementioned embodiments.
  • Fig. 6 is a diagram illustrating the on-line settlement system according to the present invention applied to a sales business using a catalog.
  • the purchaser pre-selects a commodity from a catalog, and input a commodity name or code together with the settlement information by using his/her own wire or wireless terminal 220, which would be transmitted to the settlement system (310).
  • the purchaser Before or after taking this process, the purchaser notifies an intention for purchase to the settlement system of the credit card (S4).
  • this part of non-contact between the purchaser's terminal 220 and the seller's system 110 on line is the great difference from the aforementioned embodiments.
  • Such difference derives from the nature of the sales business using catalogs, i.e., no necessity of acquiring an approval for transaction from the seller by the purchaser because the seller has distributed the commodity catalogs to the consumers under an assumption that the seller is always open to the supply of commodities.
  • the inputted commodity information and the settlement information are transmitted to the settlement system 310 of the credit card company (S4).
  • the settlement system then takes a checking process before approval of the settlement (S5).
  • the settlement system 310 subsequently notifies an approval to the purchaser only or to both the purchaser and the seller (S6-1 and S6-2). Thereafter, the seller delivers the commodity to the purchaser to complete the transaction.
  • Fig. 7 illustrates another embodiment of the present invention.
  • the embodiment in Fig. 7 lies in that, while the steps SI to S5 are identical to the aforementioned embodiments, the settlement or account transfer is not completed before step S6.
  • the settlement system 310 notifies the seller's server 110 that the settlement will be completed in future.
  • the seller then delivers the commodity to the purchaser 210.
  • the purchaser 210 checks the delivered commodity, and requests the settlement system 310 to complete the settlement in step S8 if the commodity is considered to meet his/her expectation. If the request for settlement is finalized by the purchaser 210, the settlement system performs a settlement and notifies the seller that the settlement has been finalized in step S9.
  • This method is generally referred to as an Escrow settlement method.
  • Fig. 7 illustrates an application of the present invention to the Escrow settlement method.
  • Fig. 8 is a diagram illustrating a structure of a message cor ⁇ rming an intention for purchase as described above.
  • the message confkming an intention for purchase 800 should include the purchaser's communication line 810, at which the message is to arrive, i.e., an e-mail address or a telephone number of the wire or wireless terminal of the purchaser, as well as the commodity information 820 to be transmitted to the settlement system while being confirmed by the purchaser.
  • the message should also include a settlement information input column 830 to be transmitted to the settlement system.
  • the settlement information input column 830 should be the one formalized by the seller and the credit card company through mutual agreement on what kind of information is to be inputted therein.
  • the message should also contain the connection means 840 for connecting the message to the settlement system 310.
  • the information contained the connection means is normally the communication line (e.g., a URL) of the credit card company or the financial institution that has been pre-selected by the purchaser.
  • the purchaser who has received the message confirming an intention for purchase confirms the commodity information, inputs the settlement information, and request settlement of the order by accessing the settlement system of the financial institution. Then, the URL of the financial institution included in the connection means 840 is inputted in an input terminal of the transmission section of the purchaser's terminal so as to automatically set the connection and transmit the above information. Since this construction can be easily coded by those skilled in the art, no specific example of coding will be provided herein.
  • the seller's terminal employed by the present invention may include request input means for receiving the commodity information, message generation means for generating a message confirming an intention for purchase, message synthesizing means for adding the connection means to the message confkming an intention for purchase, and message transmission means for transmitting the synthesized message corifirming an intention for purchase by using the purchaser's terminal.
  • the purchaser needs to store information on the request. Therefore, the purchaser's terminal may include means to store information on the request for purchase in addition to the browsing means and data input means. It is also as described above that the seller's terminal may assign an original identifier to each request for purchase.
  • the message synthesizing means, the transmission means and the original identifier assigning means needs not necessarily be performed by the seller's terminal but may be represented by the direct settlement gateway according to the present invention. Therefore, the seller's terminal in this invention should be considered to include the concept of the direct settlement gateway in this case. According to the present invention, it is possible to distribute an encoding key for performing an encoded commumcation among the purchaser, the seller and the settlement system as well as an electronic authentication key for mutual authentication so as to prevent hacking and forgery/alteration of the information in the course of data communication among the above three subjects. It is also possible to use an electronic authentication method for identifying the other party on line.
  • unified key encoding methods e.g., DES, RC5, SEED
  • a public key encoding method e.g., RSA
  • an electronic authentication method a method of communicating with an authentication (e.g., X509) after receiving an electronic signature from a third authentication institute for his/her own public key.
  • the conventional settlement system fails to present a non-contact transaction method without exposing the information on a credit card because the non- contact method requires an exposure of the information on the credit card when requesting a purchase to the seller (e.g., the transaction method used by amazon.com) or a confirmation of the settlement of the order with the purchaser's naked eyes through personal contact with the seller after the settlement has been approved.
  • the present invention resolved the problem of exposing the information on a credit card of the purchaser that has been chronic in the settlement method of using a credit card or a bank account transfer.
  • the present invention also eliminated the personal contact between a consumer and a seller in on-line transactions, thereby fully availing the merit of on-line settlement system that can be performed without any personal contact.
  • the present invention enhanced transactional credibility and accuracy in a complicated settlement of credit by providing an organic system interlocked among the purchaser, the seller and the settlement system of a credit card company while constricting exposure of the information.
  • the seller's message corifirming an intention for purchase is a seller's expression of approving the request for transaction from the purchaser.
  • the expression of approval includes commodity information so as to be confirmed by the purchaser, and connection means that can automatically connect the expression of approval to the settlement system.
  • the interconnective relationship is organically established in the present invention
  • the present invention introduced a new concept to mobile Internet electronic transactions to be activated in the future by providing a system and a method that can easily handle a complicated settlement process by using a wireless terminal in particular.
  • the present invention drastically eliminated redundant intermediary steps by providing a system and a method, in which an Internet browsable PC or a wireless terminal can be used instead of the conventional credit card exclusive terminal, thereby serving to enhance convenience for both consumers and sellers.
  • the present invention provides a direct on-line settlement system and a method thereof that utilized the above characteristics in settlement of credit using not only a credit card but also a bank account transfer.
  • the purchaser's terminal may be a PC, a mobile communication terminal, PDA or any kinds of wire and wireless terminals to be developed in the future.
  • the seller's terminal may be a wireless terminal so long as it is capable of processing information on purchase.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)

Abstract

La présente invention concerne un système de règlement direct en ligne et un procédé associé qui permet de résoudre les problèmes posés par le procédé de règlement classique effectué au moyen d'une carte de crédit ou d'un transfert de compte bancaire. Le système de règlement direct en ligne selon la présente invention effectue le règlement suite à la réception d'une requête de règlement comprenant des informations relatives au bien faisant l'objet d'un achat et des informations relatives au règlement effectué par l'intermédiaire d'un terminal de client. Le système de règlement direct en ligne selon cette invention se caractérise en ce que les informations relatives au règlement ne sont pas transmises au terminal du vendeur et que les informations relatives au bien sont transmises au système de règlement par l'intermédiaire du terminal du vendeur.
PCT/KR2001/001381 2000-08-14 2001-08-14 Systemes de reglement direct en ligne et procedes associes Ceased WO2002017178A1 (fr)

Applications Claiming Priority (4)

Application Number Priority Date Filing Date Title
KR2000/46896 2000-08-14
KR1020000046896A KR20000063971A (ko) 2000-08-14 2000-08-14 온라인 신용카드 역결제 시스템
KR2001/48752 2001-08-13
KR1020010048752A KR20010090032A (ko) 2000-08-14 2001-08-13 온라인 직접 결제 시스템 및 그 방법

Publications (1)

Publication Number Publication Date
WO2002017178A1 true WO2002017178A1 (fr) 2002-02-28

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PCT/KR2001/001381 Ceased WO2002017178A1 (fr) 2000-08-14 2001-08-14 Systemes de reglement direct en ligne et procedes associes

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WO (1) WO2002017178A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10366250B1 (en) 2017-02-21 2019-07-30 Symantec Corporation Systems and methods for protecting personally identifiable information during electronic data exchanges

Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH06282556A (ja) * 1993-03-30 1994-10-07 Hisashi Iwata ワンタイム・クレジットカード決済システム
KR980004159A (ko) * 1997-10-08 1998-03-30 장준호 무선통신 단말기를 이용한 무선망 전자거래 시스템
US5864830A (en) * 1997-02-13 1999-01-26 Armetta; David Data processing method of configuring and monitoring a satellite spending card linked to a host credit card
KR20000014231A (ko) * 1998-08-18 2000-03-06 정선종 오프라인 전자 거래 시스템 및 이를 이용한 전자 상거래 방법
KR20000036542A (ko) * 2000-03-20 2000-07-05 노장우 신용카드 조회 단말기를 이용한 전자상거래시스템

Patent Citations (5)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH06282556A (ja) * 1993-03-30 1994-10-07 Hisashi Iwata ワンタイム・クレジットカード決済システム
US5864830A (en) * 1997-02-13 1999-01-26 Armetta; David Data processing method of configuring and monitoring a satellite spending card linked to a host credit card
KR980004159A (ko) * 1997-10-08 1998-03-30 장준호 무선통신 단말기를 이용한 무선망 전자거래 시스템
KR20000014231A (ko) * 1998-08-18 2000-03-06 정선종 오프라인 전자 거래 시스템 및 이를 이용한 전자 상거래 방법
KR20000036542A (ko) * 2000-03-20 2000-07-05 노장우 신용카드 조회 단말기를 이용한 전자상거래시스템

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US10366250B1 (en) 2017-02-21 2019-07-30 Symantec Corporation Systems and methods for protecting personally identifiable information during electronic data exchanges

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