KR20000077102A - Electronic commerce system using a prepaid card - Google Patents

Abstract

PURPOSE: An electronic commerce system using pre-paid card is provided to secure anonymous nature of the internet and to minimize financial loss may caused by hacking by clearing the bill of contents or commodities provided through the internet with a pre paid card instead of a credit card. CONSTITUTION: The electronic commerce system using pre-paid card includes several devices. A communication network(200) is a network of radio/telephone internet etc and connects to a plurality of user's computer(300), a plurality of information providing server(400) and a server computer(500). Accordingly, the data communication can be achieved relating to the electronic commerce by using a pre-paid card with each other. The plurality of user's computers(300) is constructed by a communication environment in order to be connected the plural information providing server(400) for providing an electronic commerce service with the user purchased a predetermined pre-paid card through the plural pre-paid card sale offices(100).

Description

Electronic commerce system using a prepaid card}

The present invention relates to an electronic commerce system using a prepaid card.

More specifically, purchase various products such as books and records through information providers such as shopping malls and paid information sites established in communication networks such as the Internet, or provide various paid information services such as digital contents. The present invention relates to an electronic commerce system using a prepaid card that allows a user to pay a predetermined amount in advance and use the prepaid card purchased as a payment method according to product purchase and information use.

In general, with the development of electronic technology, various information and communication products such as computers have been developed and widely used in order to use essential information in a highly information society.

With the explosive spread of computers like this, recently, the world is connected to one network through the Internet, an area where users all over the world can share time and space. Promote yourself or give your information to netizens around the world, as well as find what you're looking for.

In other words, when a user connects to the Internet by running a web browser such as Internet Explorer or Netscape Navigator installed on the computer, and enters a specific Universal Resource Locator (URL), the web browser By connecting to the server where the page is located, the user can access various information in text or graphics on this web page.

In addition, recently, the number of web sites with virtual shopping spaces on the Internet has been greatly increased. Accordingly, users can directly select their desired products such as books and records on the web site even if they do not go to the store, and then use credit cards and ICs. When you make a payment through a card, digital cash, etc., you can receive the selected product by mail.

FIG. 1 is a diagram illustrating an electronic commerce system using a credit card according to the related art as described above, and a variety of products provided by an information provider server 12 after a user accesses the Internet using a user computer 11. If information or information is selected, the information provider server 12 provides the user computer 11 with a credit card information input screen for paying the cost of the product or information selected by the user.

When the user inputs all the credit card information through the credit card information input screen, the information provider server 12 provides a product or information selected by the user, and charges the corresponding cost to the credit card company 13.

Accordingly, the credit card company 13 pays a fee after limiting a certain fee to the information provider server 12, and charges the corresponding cost on the user's payment date.

2 is a diagram illustrating an electronic commerce system using a smart card such as an IC card, in which a user pays a predetermined amount to the IC card company 24 to purchase an IC card and accesses the Internet to provide an information provider server ( 23) When the various products or information provided by the side is selected, the information provider server 23 uses the card reader (e.g., provided with the user computer 21) to pay the amount of the IC card in order to pay the cost of the selected product or information. Received from 22).

Accordingly, the information provider server 23 limits the cost for the product or information selected by the user from the amount of the IC card input from the card reader 22, and then provides the product or information selected by the user, and provides the corresponding cost to the IC card company. Claim 24.

The IC card company 24 then pays the corresponding amount according to the request of the information provider server 23 side.

3 is a diagram illustrating an electronic commerce system using a digital cache, in which a user inputs credit card information into a digital cache company 33 to purchase as many digital caches as desired and accesses the Internet to provide an information provider server 32. ) Choose various products or information provided by the party and pay with the digital cash that holds the cost of the product or information.

In this case, the user must execute a dedicated program to use the digital cache.

Then, the information provider server 32 pays the cost of the product or information selected by the user with a digital cache, and outputs the product or information to the corresponding user computer 31 for the user to check, and the corresponding cost of the digital cache company ( 33).

Accordingly, the digital cash company 33 pays the corresponding amount after limiting a predetermined fee according to the request of the information provider server 32, and the credit card company 34 according to the credit card information input by the user. Get paid by billing.

However, in the case of using the credit card of the conventional e-commerce system as described above, the user may enter the credit card information, and the credit card number may be leaked by hacking, and may be used illegally by others. It can be used fraudulently, and the credit card is usually used for payment of more than 10,000 won, which is not suitable for small payments, and it can not be used by users who do not have a credit card. There was a problem that can occur a little damage on the information provider server side.

In the case of using a smart card such as an IC card, there is an advantage of embedding a monetary value in the IC card. However, when manufacturing an IC card, a lot of manufacturing cost is required, and a forgery possibility is very high, and a user has a dedicated card reader. There was discomfort that should be.

In addition, in the case of using the digital cache, personal information may be leaked and used illegally by the hacking of others while the user inputs the credit card information to the digital cache company or the information provider server charges the digital cache company. In addition, there was an inconvenience of having to use a complicated dedicated program of a password input method in order to use the digital cache, expensive transaction cost due to double fee payment, and the digital cache disappears when a computer problem occurs. There was a danger.

An object of the present invention is to pay a certain amount in advance when purchasing a variety of goods, such as books, records, or digital content such as MP3 music files through information provider servers such as shopping malls and paid information sites opened on the Internet In addition, the present invention provides an electronic commerce system using a prepaid card that allows a prepaid card to be used as a payment method for purchasing a product and using information.

Another object of the present invention is to protect the credit information of the individual by removing the user's identity exposure that occurs when the user pays the price after purchasing the product from the information provider server, and by minimizing the electronic transaction cost of payment The present invention provides an electronic commerce system using a prepaid card that enables users to make payments, expand the user base, activate the Internet business, and guarantee the profit of the information provider server.

1 to 3 are diagrams each showing an example of an electronic commerce system according to the prior art,

4 is a view schematically showing the configuration of an electronic commerce system using a prepaid card according to the present invention;

5 is a flow chart showing in detail the operation of the e-commerce method using a prepaid card according to the present invention;

6 to 9 are flowcharts showing in detail the operation of each subroutine of FIG.

Explanation of symbols on the main parts of the drawings

100: prepaid card sales office 200: network communication network

300: user computer 400: information provider server

500: server computer

An electronic commerce system using a prepaid card according to the present invention for achieving the above object, the network communication network to connect the unspecified number of communication lines and data communication between each other; A communication environment is established so that users who purchase a prepaid card through a plurality of prepaid card outlets can connect to the outside that provides e-commerce services through a network communication network. A plurality of user computers for outputting a prepaid card number input by the user to the outside; When a communication connection of a user computer is performed through a network communication network, a plurality of contents or product data possessed are output to the corresponding user computer, and when a payment using a prepaid card is selected by a user who purchases the content or product, a prepaid card Links the user's computer to the outside to input the number and outputs the information about the content or product to the outside, and if the content or product selected by the user is approved for sale from the outside, the content or product is provided to the user. A plurality of information provider servers storing sales approval information; When a specific user's computer is linked through the information provider server, the user's computer outputs predetermined form data requesting a prepaid card number for payment, and according to the prepaid card number entered by the user through the form data, The amount of the remaining amount, whether it is available for sale or the remaining amount after the sale is extracted from the database and output to the user's computer, the sales approval data is sent to the information provider server, and the amount of sales of the content or goods provided to the user from the information provider server. This claim is characterized in that it comprises a server computer that pays the amount.

In addition, an electronic commerce method using a prepaid card according to the present invention includes the steps of: (1) establishing a partnership with a plurality of information provider servers in a server computer, and producing and selling a prepaid card for each user class / rate; (2) linking the user computer with the server computer in the information provider server according to selection of specific contents or goods by a plurality of users who have accessed the information provider server and selection of payment using a prepaid card; (3) performing a sale approval of specific content or goods in accordance with a prepaid card payment set by a user at a server computer; (4) selling a specific content or product approved for sale in a specific information provider server that receives the sales approval information from the server computer, and billing the server computer for payment.

Hereinafter, an electronic commerce system using a prepaid card of the present invention will be described in detail with reference to the accompanying drawings.

4 is a diagram schematically showing the configuration of an electronic commerce system using a prepaid card according to the present invention.

As shown, the network communication network 200 is a communication network such as a wired / wireless internet, and connects communication lines of a plurality of user computers 300, a plurality of information provider servers 400, and a server computer 500 to be described later. Data communication related to e-commerce using a prepaid card is mutually established.

The plurality of user computers 300 may be connected to a plurality of information provider servers 400 that provide an e-commerce service through a network communication network by a user who purchases a predetermined prepaid card through a plurality of prepaid card sales offices 100. A communication environment is established so that a plurality of contents or product data provided from a specific information provider server 400 connected to the communication are received and displayed on a screen, and a user who purchases a specific content or product is used for payment. The prepaid card number to be input is output to the server computer 500 described later.

At this time, the prepaid card sold in the above-described prepaid card sales office 100 is produced / provided by dividing the user class into a plurality of user grades according to the age such as children, adolescents, and adults on the server computer 500, and each prepaid card sales office. In 100, the prepaid card is sold according to the age of the buyer.

Each user who purchases a prepaid card checks a unique number printed on the prepaid card so that the user can use the prepaid card for an e-commerce service through the network communication network 100.

The plurality of information provider servers 400 enter into an agreement related to electronic commerce using a prepaid card with the server computer 500, which will be described later, and retained when the communication connection of the user computer 300 is performed through the network communication network 100 described above. The plurality of contents or product data are output to the user computer 300.

In addition, the plurality of information provider servers 400 may refer to the user computer 300 to be described later to input the prepaid card number when the payment using the prepaid card is selected by the user who purchases the content or the product. Links with and outputs the information on the content or product to the server computer 500, and if the sales approval of the content or product selected by the user from the server computer 500 is provided, the content or product is provided to the user and sold Save the approval information.

In addition, the information provider server 400 installs a socket communication program to communicate with the server computer 500 so as to request and confirm the amount information of the prepaid card in real time with the server computer 500, the server computer The payment information is stored in order to request the server computer 500 to pay the price of the goods sold to each user according to the sales approval of 500.

The server computer 500 constructs a database of information on user grades and charges according to each prepaid card number purchased by a plurality of users and data related to the plurality of information provider servers 400 using a prepaid card. When the user computer 300 for using the prepaid card is linked through the information provider server 400, the user computer 300 outputs predetermined form data requesting the prepaid card number for payment.

In addition, the server computer 500 searches for the contents registered in the database according to the prepaid card number input by the user through predetermined form data, and charges for the remaining amount of the prepaid card, whether it is available for sale, and the remaining amount after the sale. Extracts the information, stores the newly updated rate information and outputs the extracted rate information to the corresponding user computer 300, and transmits the sales approval data of the specific content or product to the corresponding information provider server 400, and the information. If the sales price of the content or goods provided to the user from the provider server 400 is charged, the corresponding amount is paid.

In this case, the sales confirmation information transmitted from the server computer 500 to the information provider server 400 may be sold if the goods selected by the user connected to the information provider server 400 can be normally paid. Message, "Unable to pay" or "Not available for sale," if the prepaid card is low on funds or if the user selects an adult product using a child / youth prepaid card instead of an adult prepaid card. Becomes

That is, the information provider server 400 may check whether the prepaid card held by each user can be paid or not, and whether or not the product is allowed for sale.

In addition, the server computer 500 described above informs the balance of the prepaid card when the user requests to check the balance of the prepaid card in possession by accessing the server computer 500 through the network communication network 100, Do this if you transfer money to your prepaid card or require a recharge.

Next, an embodiment of the electronic commerce method using the prepaid card according to the present invention configured as described above will be described in detail with reference to FIGS. 5 to 9.

5 to 9 are flowcharts showing in detail the operation of the electronic commerce method using a prepaid card according to the present invention.

First, the server computer 500 establishes an alliance with a plurality of information provider servers 400 that provide a payment service using a prepaid card, and then prepares a plurality of prepaid cards for each user class / rate and a plurality of prepaid card sales offices. Selling to general computer users through the 100 (S100).

In detail, the server computer 500 establishes an alliance with a plurality of information provider servers 400 for providing a prepaid card as a payment means (S110), and the server computer 500 establishes a plurality of partnerships. A socket communication address (IP address) with the information provider server 400, an information provider ID, a payment fee, and the like are constructed as a database (S120).

In addition, the server computer 500 produces a prepaid card according to a plurality of grades (for children, adolescents, adults, etc.) and rates (5,000 won, 10,000 won, etc.), and the number, fee, and grade for each prepaid card are converted into a database. After building (S130), the produced prepaid card is provided to a plurality of prepaid card sales office 100 to be sold to users (S140).

At this time, users who purchase any one of a plurality of grades / rates prepaid cards check the number hidden in a predetermined position of the prepaid card.

Now, users who have purchased a prepaid card use the computer 300 to connect to a plurality of information provider servers 400 selling a plurality of contents or goods, and then select specific contents or goods to purchase, The payment provider selects any one of a plurality of payment means provided by the information provider server 400 (S200).

In detail, when a communication connection is made to a specific information provider server 400 by a user who has purchased a prepaid card (S210), the corresponding information provider server 400 performs the communication connection with the corresponding user computer 300. A plurality of content or product information to be sold is output as (S220).

Then, it is determined whether a specific content or a product selection signal to be purchased by the user is input (S230). When specific content or a product is selected by the user, the information provider server 400 determines the means for paying the cost of the corresponding content or the product. Output to the user computer 300 (S240).

Thereafter, the information provider server 400 determines whether the prepaid card is selected as a payment method by the user (S250).

As a result, when the prepaid card is selected as the payment method by the user, the information provider server 400 links the user computer 300 to the server computer 500 (S260), and the user purchases the server computer 500. The specific content or product information to be output is output (S270).

However, if the user selects a credit card or direct debit, but not a prepaid card, as the payment method as a result of the above-described determination (S250), the information provider server 400 selects a specific content or product by the payment method selected by the user. The payment is performed (S280).

At this time, a program according to the communication protocol (protocol) with the server computer 500 is installed for mutual communication with all the information provider server 400 associated with the server computer 500, the server computer ( 500) and in real time to request and confirm the amount of the prepaid card amount information.

As described above, a specific content or product and a payment method using a prepaid card are selected by the user through the above-described process (S200), and the information provider server 400 links the user computer 300 with the server computer 500. After that, the server computer 500 authorizes the sale of specific content or goods based on the fee information of the prepaid card held by the user (S300).

In detail, the server computer 500 checks the price information of a specific content or product provided by the information provider server 400 (S310), and receives a predetermined number of prepaid cards held by the corresponding user. The form data is output to the corresponding user computer 300 (S320).

Then, it is determined whether the number of the prepaid card is input by the user (S330), the current remaining amount of the corresponding prepaid card that is built into the database according to the prepaid card number input by the user, whether it is available for sale, the remaining amount after sale, etc. After extracting the fee information (S340), it is determined whether the remaining charge of the extracted prepaid card is more than the purchase price of the content or product selected by the user (S350).

If it is determined that the remaining charge of the prepaid card is equal to or higher than a specific content or product price (payable), and the user class is suitable for sale, the server computer 500 deducts the cost of purchasing a specific content or product and the remaining charge of the prepaid card. The information is updated, the remaining fee information of the updated prepaid card is output to the user computer 300 (360), and the sales approval data is output to the specific information provider server 400 (S370).

However, if the remaining charge of the prepaid card is less than the specific content or product price (payment is impossible) or the user grade is not suitable for sale, the server computer 500 is not available for sale. The information is output to the user computer 300 and the information provider server 400 to prevent the sale of the corresponding content or product (S380).

Finally, the specific information provider server 400 receiving the sales approval information from the server computer 500 stores the specific content or goods approved for sale in a database and sells them to the corresponding user, and sells them to the server computer 500. The bill is paid according to (S400).

In detail, the information provider server 400 determines whether the sales approval data is input from the server computer 500 (S410), and if the sales approval data is input from the server computer 500, the cost is paid using a prepaid card. The specific content or product information selected by the user who has made the payment is stored in the database and then sold (S420).

In this case, when the product is sold as digital content, the information provider server 400 transmits the content to the corresponding user computer 300 through the network communication network 100, and when the product is sold as the product, the information provider server 400 The item is sent to the address designated by the user.

Thereafter, the information provider server 400 requests the payment of the content or product price sold using the prepaid card to the server computer 500 (S430), and the server computer 500 that has received the payment payment requests the information provider server ( After checking the content or product price requested in step 400, the corresponding payment is made and the e-commerce service using the prepaid card is terminated (S440).

As described above, according to the electronic commerce system using the prepaid card of the present invention, since the e-commerce is carried out by using a prepaid card that can be easily purchased by all ages, men and women, the payment of various products and the use of paid information such as a database are generated. E-commerce is activated by payment of costs, and there is no user's identity exposure and credit information leakage during e-commerce, so anonymity is guaranteed and various products can be easily purchased through the Internet without a credit card. .

In addition, since users do not have to use the password method used in the existing membership system, users of e-commerce services provide convenience, minimize the damage caused by hacking to the balance of the prepaid card, and make prepaid cards for children and adolescents. The ability to limit user ratings by selling / has the advantage of protecting children and youth from unhealthy information.

Herein, while the present invention has been described with reference to the preferred embodiments, those skilled in the art will variously modify the present invention without departing from the spirit and scope of the invention as set forth in the claims below. And can be changed.

Claims (9)

A network communication network which connects unspecified communication lines to perform data communication with each other; A communication environment is established so that a user who purchases a prepaid card through a plurality of prepaid card outlets can connect with the outside that provides an e-commerce service through the network communication network. A plurality of user computers for outputting a prepaid card number input by the user to the outside; When a communication connection of the user computer is performed through the network communication network, a plurality of contents or product data held by the user is output to the user computer, and a payment using a prepaid card is selected by the user who purchases the content or product. It links the user's computer to the outside to input the prepaid card number and outputs the information about the content or product to the outside, and when the approval of the content or product selected by the user from the outside is approved, the content or product is delivered to the user. A plurality of information provider servers for providing and storing sales approval information; And When a specific user's computer is linked through the information provider server, predetermined form data requesting a prepaid card number for payment is output to the user's computer, and a prepaid card according to the prepaid card number input by the user through the form data. Information about the current remaining amount, availability, and after-sale rate information from the database is extracted from the database and output to the user computer, the sales approval data is transmitted to the information provider server, and the contents provided to the user from the information provider server or E-commerce system using a prepaid card, characterized in that it comprises a server computer for paying the sale price of the product. The prepaid card of claim 1, wherein the prepaid card produced / supplyed by the server computer is An electronic commerce system using a prepaid card, which is classified into a plurality of user classes such as children, adolescents, or adults according to the user's age. The method of claim 1, wherein the server computer, When a user requests to check the balance of a prepaid card that is directly connected to the server computer, the user informs the balance of the prepaid card and performs this when the user transfers or recharges the amount to another prepaid card. Electronic Commerce System Using Cards. The method of claim 1, wherein the plurality of information provider servers, An electronic commerce system using a prepaid card, characterized in that a program for communication with the server computer is installed to request and confirm the amount information of the prepaid card in real time with the server computer. (1) establishing a partnership with a plurality of information provider servers in the server computer and producing and selling a prepaid card for each user class / rate; (2) linking the user computer with the server computer in the information provider server according to selection of specific contents or goods by a plurality of users who have accessed the information provider server and selection of payment using a prepaid card; (3) performing a sale approval of specific content or goods in accordance with the prepaid card payment set by the user at the server computer; And (4) a prepaid card comprising a process of selling to a user a specific content or product approved for sale in a specific information provider server receiving sales approval information from a server computer, and billing the server computer for payment; E-commerce method using. The method of claim 5, wherein the process (1), (1-1) establishing a partnership with a plurality of information provider servers providing a prepaid card as a payment means at a server computer; (1-2) constructing data associated with a plurality of information provider servers with which a partnership has been established as a database; (1-3) creating a prepaid card for each user class / rate in a server computer, and constructing a number, fee, and class for each prepaid card as a database; And (1-4) An electronic commerce method using a prepaid card, comprising the step of providing the produced prepaid card to a plurality of prepaid card sales office to the user. The method of claim 5, wherein the process (2), (2-1) a communication connection to a specific information provider server by a user is made; (2-2) outputting a plurality of contents or product information from the information provider server to a corresponding user computer which has made a communication connection; (2-3) determining whether a specific content or product selection signal is input by the user; (2-4) outputting, at the information provider server, a means for paying for the cost of the specific content or goods to the corresponding user computer; (2-5) determining whether a prepaid card is selected as a payment means by the user; (2-6) if the prepaid card is selected by the user, linking the corresponding user computer to the server computer at the information provider server; (2-7) transmitting specific content or product information that the user wants to purchase from the information provider server to the server computer; And (2-8) If the prepaid card is not selected as the result of the step (2-5). E-commerce method using a prepaid card, characterized in that comprising the step of performing a payment for a specific content or product with a payment means selected by the user. The method of claim 5, wherein the process (3), (3-1) checking the price information of the specific content or the product provided by the information provider server in the server computer; (3-2) outputting, by the server computer, predetermined form data for inputting the number of the prepaid card held by the user to the user computer; (3-3) determining whether a prepaid card number is input by a user; (3-4) extracting remaining charge information of the corresponding prepaid card which is constructed in the database according to the prepaid card number input by the user; (3-5) determining whether the remaining charge of the prepaid card is equal to or greater than the purchase price of the content or product selected by the user; (3-6) If the remaining charge of the prepaid card is equal to or more than the purchase price, the remaining charge information of the prepaid card is updated by subtracting the purchase price of a specific content or product, and the remaining charge information of the updated prepaid card is output to the user's computer. step; (3-7) outputting the sales approval data from the server computer to the specific information provider server; And (3-8) If the remaining charge of the prepaid card is less than the purchase price e-commerce method using a prepaid card characterized in that it comprises the step of outputting the non-sale information to the user computer and the information provider server. The method of claim 5, wherein the process (4), (4-1) determining whether sales approval data is input from the server computer; (4-2) storing and selling the specific content or product information selected by the user who has made the payment using the prepaid card; (4-3) requesting the server computer to pay for the content or merchandise sold by the information provider server; And (4-4) An electronic commerce method using a prepaid card, comprising the step of paying for the content or product price requested by the information provider server in the server computer.