GB2360380A - E-commerce payment gateway - Google Patents

E-commerce payment gateway Download PDF

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Publication number
GB2360380A
GB2360380A GB0024286A GB0024286A GB2360380A GB 2360380 A GB2360380 A GB 2360380A GB 0024286 A GB0024286 A GB 0024286A GB 0024286 A GB0024286 A GB 0024286A GB 2360380 A GB2360380 A GB 2360380A
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Prior art keywords
payment
payment gateway
merchant
transaction
unified
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Granted
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GB0024286A
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GB2360380B (en
GB0024286D0 (en
Inventor
Dong-San Lee
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PAYGATE Inc
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PAYGATE Inc
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Publication of GB2360380A publication Critical patent/GB2360380A/en
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Publication of GB2360380B publication Critical patent/GB2360380B/en
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    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G06Q20/023—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP] the neutral party being a clearing house
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/04—Payment circuits
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/08—Payment architectures
    • G06Q20/12—Payment architectures specially adapted for electronic shopping systems
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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
    • G06Q20/00—Payment architectures, schemes or protocols
    • G06Q20/22—Payment schemes or models
    • G06Q20/29—Payment schemes or models characterised by micropayments
    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR 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

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

Abstract

An e-commerce system or method of operating an e-commerce system wherein a merchant website is in communication with a unified payment gateway. The unified gateway comprises a plurality of transaction solutions and subsidiary payment gateways that are selectable for use by the unified payment gateway in response to a particular transaction request. The selected subsidiary payment gateway forwards purchase order information and a payment authorisation request to a financial network for authorisation. The choice of subsidiary payment gateway allows an appropriate payment gateway that is well adapted to the banking network of a country involved in cross-border electronic trades to be selected.

Description

2360380 METHOD AND SYSTEM FOR ELECTRONIC COMMERCE BACKGROUND OF THE
INVENTION
(a) Field of the Invention
The present invention relates to an electronic commerce system and a method of operating the electronic commerce system and, more particularly, to an electronic commerce system which improves network environments between merchants and financial institutions when electronic commercial transactions of goods or services are made over the Internet.
(b) Description of the Related Art
As computer networks such as the Internet are spread over a worldwide scale, electronic commerce systems have been widely developed based on such networks. Internet-based electronic commerce involves many advantages to the customer as well as the merchant in that the customer can is purchase goods or services sought to be obtained in home, and the merchant can sell goods or services without tangible facilities. However, the Internet based electronic commerce also involves several problems in that private information of the purchasers may leak out, and safety in commercial transaction may not be ensured. Particularly, in case the purchasers should make payment for the goods or services to be ordered using payment instruments such as credit card or banking account transfer, it is required that the payment settlement should be effectively performed between the merchant and the credit card company or bank.
Fig. 1 is flowchart of an electronic commercial transaction over the Internet according to a prior art;
As shown in Fig. 1, the electronic commercial transaction is established through a customer 1, a merchant 2, a payment gate way 3, a value added network (VAN) 4, and a financial institution 5.
The merchant 2 has a homepage over the Internet where goods or services to be sold are listed. The payment gateway 3 relays a TCP/IP network that is protocol over the Internet to the VAN for payment settlement.
A plurality of payment gateways may be provided for that purpose while being differentiated in the service charge, the payment date of the service charge, or the affiliated financial institutions. The VAN 4 is a corporation or system that is connected to plural numbers of financial institutions while connecting the network of the financial institutions with the merchant. The financial institution 5 is a credit card company or a bank that has an account with the customer 1.
In operation, as shown in.Fig. 1,. the customer 1 connects to.the server of the merchant 2 over the Internet while driving the web browser at his own personal computer, and reads the homepage of the merchant 2 on the web browser, and makes purchase request for the goods or services to be ordered while presenting credit card information, payment settlement information, and information of the items to be ordered (S1).
The merchant 2 requests payment authorization to the payment gateway 3 while transmitting the received customer information thereto (S2).
2 At this time, the merchant 2 is in communication with the payment gateway 3 through the TCP/IP network.
In case the payment instrument is a credit card, the payment gateway 3 transmits the payment authorization request based on the credit card to the VAN 4 (S3). The VAN 4 discriminates the financial institution having the responsibility of payment on behalf of the customer, and transmits the payment authorization request to the relevant financial institution 5 (S4).
The financial institution 5 returns a payment authorization response to the VAN 4 (S5) that in turn returns the response to the payment gateway 3 (S6).
The payment gateway 3 transmits the payment authorization response to the merchant 2 (S7). When the payment authorization is granted, the merchant 2 initiates transaction with the customer 1.
The merchant 2 sends a receipt to the customer 1 via electronic mail, or post (S8), and requests payment for the transaction to the VAN 4 through the is payment gateway 3 (S9). The VAN 4 transmits the transaction payment request to the_relevant financial institution 5 (S10).
The financial institution 5 makes payment for the transaction to the merchant 2 or the payment gateway 3. In the latter case, the payment gateway 3 subtracts the service charge from the amount of payment, and sends the remaining amount to the merchant 2 (S1 1-11). When the merchant 2 directly receives the amount of payment from the financial institution 5, the merchant 2 makes payment for the service charge to the payment gateway 3 Thereafter, the financial institution 5 requests payment for the transaction to the customer 1 (S12), and the customer 1 inputs the amount of payment into the financial institution 5 while terminating the electronic commercial transaction (S13).
In the above operational procedures, the operating relations between the merchant and the payment gateway will be now described together with the problems involved therein.
Payment gateways 3, as shown in Fig. 1, are differentiated in service charge, payment date for the service charge, or affiliated financial institutions.
Ginoo the finonoial in:3titution authorized by the cu3tomor doc3 bu3inc33 with plural numbers of payment gateways, the merchant 2 should be also affiliated with plural numbers of payment gateways to make transaction with a number of customers over the Internet. Furthermore, each payment gateway individually provides an application on protocol interface (API) that interfaces between the store and the payment gateway, and the merchant makes transaction solutions using the APIs. - However, since the.APIs are differentiated per each payment gateway, there exist many problems to the merchant in making and managing transaction solutions, and a homepage.
Fig. 2 illustrates the steps of executing the Internet-based electronic commercial transaction shown in Fig, 1 where the customer receives an API from the payment gateway, and uses it.
The merchant 2 is in communication with the payment gateway 3 through the TCP/IP network, and the payment gateway 3 with the network of 4 the financial institutions through the encoded TCP/IP network or an exclusive li.ne. The payment gateway 3 provides the API to the merchant 2 in the form of a program library so that the merchant can call and use the API in making programs.. As shown in Fig. 2, a transaction solution is executed at the merchant homepage, and the API is called into the library of the transaction solution.
However, the above operational procedures involve several problems.
For instance, when the merchant 2 makes the solution using the API provided by the payment gateway 3, the time required for making the solution becomes too much. Furthermore, it is difficult to make a solution well adapted to the circumstances related to the merchant 2.
By contrast, in case the payment gateway 3 or a third party provides such a solution to the merchant 2, the burden in cost for introducing the solution is too heavy for the merchant. Furthermore, since the merchant 2 is served by Is plural numbers of payment gateways, it should introduce a suitable solution from each payment gateway, and drive different solutions at each transaction.
In addition, since the APIs is provided to the merchant 2 by the payment gateways, it becomes difficult to rapidly extend and improve the functions of the solution attributed to the merchant 2.
Meanwhile, under the circumstance of international electronic commercial transaction, several problems are present between thQ payment gateway and the merchant, Fig. 3 is a flowchart of an international electronic commercial transaction according to another prior art;
As shown in Fig. 3, the customer 1 of the A country connects to a merchant 2 of the B country over the Internet, and purchases the desired goods from the merchant 2. The payment authorization and settlement are established among a payment gateway 3 of the B country, a VAN 4 of the B country, a financial institution 5 of the B country, and another financial institution 6 of the A country.
As shown in Fig 3., the customer 1 of the A country connects to the server of the merchant 2 of the B country over the Internet using a web browser at his personal computer, and reads the form of purchase order on the merchant homepage. The customer 1 then fills the purchase order form with credit card information, settlement information, and information of items to be ordered, thereby requesting purchase for the desired goods (S21).
The merchant 2.of the B country requests payment authorization to the is payment gateway 3 of the B country (S22). At this time, the computer system of -the merchant 2.of the B country is in communication with the payment gateway 3 of the B country through the TCP/IP network.
Then, in case the payment instrument for the transaction is a credit card, the payment gateway 3 of the B country requests the credit card- based payment authorization to the VAN 4 of the B country (S23). The VAN 4 of the B country, that is in communication with the computer networks of financial institutions of the A and B countries, discriminates the financial institution having the responsibility of payment on behalf of the customer 1, and transmits 6 the payment authorization request to the relevant financial institution 6 of the A country (S24).
The financial institution 6 of the A country decides whether to grant or reject the payment authorization request of the customer 1 of the A country, and returns a payment authorization response to the VAN 4 of the B country (S25).
The VAN 4 of the B country in turn returns the payment authorization response to the payment gateway 3 of the B country (S26). The payment gateway 3 of the B country sends the received payment authorization response to the merchant 2 of the B country (S27).
When the response turns out to grant the requested payment authorization, the merchant 2 of the B country makes transaction with the customer 1 of the A country, and sends a receipt to the customer 1 of the A country via electronic mail or post (S28).
The merchant 2 of the B country requests payment for the transaction to the payment gateway 3 of the B country..(S29).
The payment gateway of the B country transmits the payment settlement request to the VAN 4 of the B country (S30) that in turn transmits the request to the financial institution 5 of the B country (S31).
After receipt of the payment settlement request, the financial institution of the B country makes payment for the transaction to the payment gateway 3 of the B country or directly to the merchant 2 of the B country (S32-1, S32-2).
When the payment gateway 3 of the B country receives the amount of 7 payment, the payment gateway 3 subtracts the service charge from the amount, and sends the remaining amount to the merchant 2 of the B country while making payment for the service charge to the VAN of the B country. In contrast, when the merchant 2 of the B country directly receives the amount of payment from the financial institution 5 of the B country, the merchant 2 makes payment for the service charge to the payment gateway 3 of the B country, and the VAN 4 of the B country.
After making payment for the transaction, the financial institution 5 of the B country requests settlement for the amount of payment to the financial institution 6 of the A country having the responsibility of payment on behalf of the customer 1 of the A country (S33).
The financial institution 6 of the A country makes settlement for the amount of payment to the financial institution 5 of the B country (S34).
Thereafter, the financial institution 6 of the A country requests payment is for the transaction to the customer 1 of the A country (S35). The customer 1 of the A country makes payment.for the transaction to the financial institution 6 of the A country.
In case the customer 1 of the A country presents to the merchant 2 of the B country banking account transfer or micro-payment only circulated in the B country as the payment instrument, the merchant 2 of the B coun" requests payment authorization to the payment gateway of the B country. and the payment gateway of the B country transmits the payment authorization request to the relevant bank or company of the B country.
8 The bank or company of the B country judges whether to grant or reject the payment authorization request through searching their own database, and returns the payment authorization response to the payment gateway of the B country. The payment gateway of the B country transmits the response to the merchant of the B country. When the response turns out to grant the payment authorization, the merchant of the B country sends a receipt to the customer of the A country via world wide web or electronic mail, and initiates transaction with the customer.
The merchant of the B country requests payment for the transaction to the payment gateway of the B country.
The payment gateway of the B country transmits the payment settlement request to the bank or company of the B country.
The bank or the company with their own payment instruments makes payment for the transaction to the payment gateway of the B country or directly to the merchant of the B country.
The bank or company. of. the B country. requests settlement for the amount of payment to the customer of the A country in a direct manner or via the financial institution of the A country. In this case, the bank or company of the B country may previously receive from the customer of the A country reserve money for various purposes.
The above-like international electronic commercial transaction involves the following problems.
First, since each country bears separate banking network environment 9 intrinsic thereto, it is difficult for the payment gateway of one country to provide solutions well adapted to various banking network environments of many countries.
Second, the Internet-based international electronic commerce involves a transaction form where the goods are sent to foreign countries, and the amount of payment therefore is introduced into the domestic countries.
However, it is difficult to recognize such a transaction form as a form of exportation under the current worldwide commercial laws. For instance, in Korea, it is required for sales of articles to foreign countries to be recognized as a form of exportation that a letter of credit (UC) or a postal package receipt should be provided to the competent authorities. in the case of the international electronic commerce, it is difficult to obtain such recognition while bearing troublesome affairs. This means that the international electronic commerce cannot involve the advantage of tax cut attributed to the case of exportation.
SUMMARY OF THE INVENTION
It is an object of the present invention to provide an electronic commerce system with convenient commercial environments.
It is another object of the present invention to provide an electronic commerce system where a merchant consistently interfaces with the transaction solutions of plural numbers of payment gateways over the Internet.
It is still another object of the present invention to provide an electronic C commerce system which is well adapted to various financial environments of many countries.
These and other objects may be achieved by an electronic commerce system including a merchant computer system with a homepage over the Internet. The homepage of the merchant computer system is provided with a form of purchase order. A customer connects to the homepage of the merchant and fills the purchase order form with the purchase order information while selecting the goods or services to be ordered on the merchant homepage.
The merchant initiates transaction with the customer when payment authorization for the customer is made in due course. A payment gateway provides the purchase order form to the merchant computer system to give consistent transaction environments thereto, and receives the purchase order information and the payment authorization request from the merchant computer system. The payment gateway transmits the purchase order information and the payment authorization request to a financial network, and the financial network decides whether.to. grant or reject the payment authorization request, and transmits a payment authorization response to the payment gateway.
The financial network includes VANs receiving the payment authorization request and the purchase order information from the payment gateway, and financial institutions receiving the payment authorization request and the purchase order information from the VANs and checking the stored credit information of the customer to decide whether to grant or' reject the payment authorization request. The financial institution transmits the payment authorization response to the payment gateway via the VAN.
The merchant computer system is in communication with the unified payment gateway via a TCP/IP network.
The purchase order information is written in an HTML file, or written based on software supplied by the unified payment gateway.
The payment gateway stores and manages the transaction information of the customer.
The merchant can search the transaction information of the customer as well as of the merchant, stored at the payment gateway. The payment gateway has transaction solutions each with an API module interfacing with the merchant computer system, and drives the suitable transaction solution when transaction is initiated.
According to one aspect of the present invention, a method of operating an electronic commerce system includes the following steps. The electronic commerce system is provided with a merchant computer system selling goods or-services on a web over the Internet, and a payment gateway interfacing between the merchant computer system and a financial network.
First, a customer connects to a homepage of the merchant computer system using a web browser, and fills a form of purchase order of the merchant homepage with the purchase order information while requesting payment authorization. The purchase order information and the payment authorization request are transmitted to a server of the payment gateway through a TCP/IP network. The payment gateway receives the purchase order information and 12 the payment authorization request, and drives a transaction solution well adapted to the purchase order information. The payment gateway transmits the purchase order information and the payment authorization request to a financial network. The financial network checks the payment authorization request, and returns a payment authorization response to the payment gateway.
The payment gateway initiates transaction with the customer when the financial network grants the payment authorization request, or not when the financial network rejects the payment authorization request.
According to another aspect of the present invention, a method of operating an electronic commerce system includes the following steps. The electronic commerce system is provided with a merchant computer system of a B country with a homepage server selling goods or services over the Internet, a customer computer system of an A country purchasing the goods or services on the merchant homepage via a web browser, a plurality of payment gateways making the payment gateway service based on monetary medium or currency intrinsic to plural numbers of countries as.the payment instrument.
The customer of A country connects to the merchant system of the B country through the web browser. The customer of the A country selects the goods or services to be ordered while inputting the purchase order information into the merchant homepage of the B country displayed on the web browser.
The customer of the A country selects a payment gateway making service using suitable monetary medium or currency as the payment instrument. The selected payment gateway initiates transaction with the customer when 13 payment authorization for the customer is made. The payment gateway makes payment for the transaction to the merchant of the A country using the monetary medium or currency intrinsic thereto as the payment instrument.
BRIEF DESCRIPTION OF THE DRAWINGS
A more complete appreciation of the invention, and many of the attendant advantages thereof, will be readily apparent as the same becomes better understood by reference to the following detailed description when considered in conjunction with the accompanying drawings in which like reference symbols indicate the same or the'similar components, wherein:
Fig. 1 is flowchart of an electronic commercial transaction over the Internet according to a prior art;
Fig. 2 illustrates the steps of executing the Internet-based electronic commercial transaction shown in Fig. 1 where a customer receives an API from a payment gateway, and uses it; Fig. 3 is a flowchart of an internationai electronic commercial transaction according to another prior art;
Fig. 4 is a block diagram of an electronic commerce system according to a first preferred embodiment of the present invention; Fig. 5 is a flowchart of an electronic commercial transaction based on the system shown in Fig. 4-5 Fig. 6 illustrates one way of making payment settlement based on the electronic commerce system shown in Fig. 4; 14 Fig. 7 illustrates another way of making payment settlement based on the electronic commerce system shown in Fig. 4; Fig. 8 illustrates still another way of making payment settlement based on the electronic commerce system shown in Fig. 4; and Fig. 9 is a block diagram of an electronic commerce system according to a second preferred embodiment of the present invention.
DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS
First and second preferred embodiments of this invention will be explained with reference to the accompanying drawings.
Fig. 4 illustrates an electronic commerce system according to the first preferred embodiment of the present invention.
As shown in Fig. 4, the electronic commerce system includes a customer computer system 10, a merchant computer system 20, a unified payment gateway 30, subsidiary payment gateways 31, 32 and 33, VANs 41, is 42 and 43, and financial institutions 51, 52 and 53.
The customer is a person or corporation that intends to purchase goods or services over the Internet as a client, and the merchant is a person or corporation that has a homepage for selling goods or services over the Internet as a server. As shown in Fig. 4, the customer computer system 10 connects to the homepage of the merchant computer system 20 using a web browser over the Internet such as Internet explorer, navigator, and mobile explorer.
The homepage of the merchant computer system 20 is provided with a is form of purchase order that is fed from the payment gateway. The purchase order form is written in hyper text mark-up language (HTML), or written based on the software fed from the unified payment gateway. Since the purchase order form is written in HTML, it can be easily altered into the form acceptable to the merchant computer system 20.
The unified payment gateway 30 unifies plural numbers of different subsidiary payment gateways to form a network while bearing a transaction solution with an API per each payment gateway. The API is a program library that is fed from the subsidiary payment gateway. The unified payment gateway 30 may have separate transaction solutions each with the API of each subsidiary payment gateway, or one transaction solution with the APIs of all the subsidiary payment gateways, If a merchant is affiliated with such a unified payment gateway, the merchant can be served by the plurality of subsidiary payment gateways. In. this way, the merchant may be situated in consistent electronic commerce environments. The unified payment gateway 30, the merchant computer system-20, and the subsidiary payment gateways 31, 32 and 33 are in communication with each other using TCP/IP protocol.
The subsidiary payment gateways 31, 32 and 33 are differentiated in payment instrument, service charge, affiliated financial institution, or date of payment for the service charge, and connected to the unified payment gateway 30.
The VANs 41, 42 and 43 are companies or systems that connect the network of the financial institutions with the payment gateway, and the financial 16 institutions 51, 52 and 53 are banks or credit card companies that have the responsibility of payment on behalf of the customer.
Fig. 5 is a flowchart of an electronic commercial transaction based on the system shown in Fig. 4.
The customer intending to purchase goods or services through the electronic commerce drives a web browser at the personal computer or mobile communication equipment (S101), and connects to the homepage of the merchant computer system 20 over the Internet (S102). WhentheURLofthe merchant homepage is input into the web browser, the web browser connects to the merchant server, and downloads the character and picture data stored at the merchant server, thereby displaying the data thereon (S1 03).
The homepage of the merchant computer system 20 does not involve any transaction solution that has been conventionally existent at the merchant homepage as an application program for commercial transaction, but has a form of purchase order that is fed from the unified payment gateway 30. Since the purchaser order form-is written. in HTIVIL,Ahe. merchant can easily modify or repair the form when required. The customer fills the purchase order form with the purchase order information such as items to be ordered, name and credit card information, and transmits it to the unified payment gateway 30 while requesting payment authorization (S1 04).
After receipt of the purchase order information and the payment authorization request from the customer computer system 10, the unified payment gateway 30 selects a suitable subsidiary payment gateway 31, 32 or 33 based on the purchase order information (S105). In such a selection, the unified payment gateway 30 judges which subsidiary payment gateway Is advantageous to the customer or to the unified payment gateway 30 in the aspects of service charge, payment date of the service charge, or amount of charge of the affiliated financial institution.
The unified payment gateway 30 then drives the transaction solution with the API fed from the selected subsidiary payment gateway 31, 32 or 33 (S106). The unified payment gateway 30 may make such a transaction solution for itself, or the transaction solution may be provided from the subsidiary payment gateway 31, 32 or 33 to the unified payment gateway 30.
Thereafter, the unified payment gateway 30 transmits the purchase order information and the payment authorization request to the financial institution 51, 52 or 53 through the VAN 41, 42 or 43. At this time, the subsidiary payment gateway is that selected by the unified payment gateway, is and the VAN and financial institution are those affiliated with the selected subsidiary payment gateway, - The financial institution 51, 52 or 53 judges whether to grant or reject the payment authorization request based on the purchase order information (S107).
The financial institution 51, 52 or 53 returns a payment authorization response to the unified payment gateway 30 through the VAN 41, 42 or 43.
The unified payment gateway 30 checks the response (S108), and initiates transaction with the customer in case the financial institution 51, 52 or 53 grants the payment authorization request (S109). Of course, if the financial institution 51, 52 or 53 rejects the payment authorization request, the unified payment gateway 30 does not initiate transaction with the customer (S110). Inthecase of successful transaction, the unified payment gateway 30 transmits the transaction success information to the web browser of the customer, and at the same time, to the customer as well as to the merchant via electronic mail. In the case of unsuccessful transaction, the unified payment gateway 30 transmits the transactionfailure information to the web browser of the customer, and at the same time, to the customer and the merchant via electronic mail. The customer 10 confirms at the web browser or at the electronic mail whether the purchase request for the desired goods or services is granted (S1 11).
After the transaction is initiated, the payment settlement for the transaction may be made in various manners. In one way of making the payment settlement, the financial institution makes payment for the transaction to the merchant, and the merchant makes payment for the service charge to the financial institution... In another.way of making the payment settlement, the financial institution makes payment for the transaction to the unified payment gateway, and the unified payment gateway sends the amount of payment to merchant while subtracting the service charge from the amount. In still another way of making the payment settlement, the financial institution makes payment for the transaction to the subsidiary payment gateway. The subsidiary payment gateway sends the amount of payment to the unified payment gateway while subtracting the service charge from the amount, and 19 the unified payment gateway in turn sends the amount of payment to the merchant while subtracting the service charge from the amount.
Fig. 6 illustrates one way of making payment settlement based on the electronic commerce system shown in Fig. 4.
As shown in Fig. 6, the merchant requests payment for the transaction to the financial institution 51, 52 or 53 (S1 12). The financial institution 51, 52 or 53 makes payment for the transaction to the merchant (S113). The merchant makes payment for the service charge to the unified payment gateway 30 (S114) that in turn makes payment for the service charge to the subsidiary payment gateway 31, 32 or 33 (S115), and the financial institution makes payment for the service charge to the VAN (S116). The financial institution 51, 52 or 53 requests settlement for the amount of payment to the customer (S117), and the customer 10 makes settlement for the amount of payment to the financial institution (S1 18).
Fig. 7 illustrates another way of making payment settlement based on the electronic commerce system shown in Fig. 4.
As shown in Fig. 7, the unified payment gateway 30 requests payment for the transaction to the financial institution (S1 19), and the financial institution makes payment for the transaction to the unified payment gateway 30 (S120), The unified payment gateway 30 sends the amount of payment to the merchant while subtracting the service charge from the amount (S121). The unified payment gateway 30 makes payment for the service charge to the subsidiary payment gateway (S 122).
Fig. 8 illustrates still another way of making payment settlement based an the electronic commerce system shown in Fig. 4.
As shown in Fig. 8, the subsidiary payment gateway 31, 32 or 33 requests payment for the transaction to the financial institution (S1 31), and the financial institution makes payment for the transaction to the subsidiary payment gateway (S132). The subsidiary payment gateway 31, 32 or 33 sends the amount of payment to the merchant while subtracting the service charge from the amount (S133). The subsidiary payment gateway 31, 32 or 33 makes payment for the service charge to the unified payment gateway (S1 34). The financial institution makes payment for the service charge to the VAN (S 135).
In the electronic commerce system according to the first preferred embodiment of the present invention, the unified payment gateway unifies plural numbers of subsidiary payment gateways. Therefore, in case the merchant is affiliated with the unified payment gateway, it can be served by the plurality of subsidiary payment. gateways... Furthermore, since the unified, payment gateway taks over the transaction solutions of the plurality of subsidiary payment gateways, the merchant can be situated in convenient electronic commerce environments.
Fig. 9 illustrates an electronic commerce system according to a second preferred embodiment of the present invention.
As shown in Fig. 9, the electronic commerce system includes a customer computer system 110 of the A country, a merchant computer system 21 of the B country, a unified payment gateway 130, subsidiary payment gateways 131 to 134 of plural numbers of countries, and financial networks 141 to 144 of the countries.
The merchant of the B country has a homepage over the Internet served by a web server that is placed in the B country. The merchant of the B country sells goods or services over the Internet.
The payment gateways 131 to 134 of the plural numbers of countries use their intrinsic monetary medium and currency as the payment instrument, and the unified payment gateway 130 is connected to the payment gateways 131 to 134 of the plurality of countries. The unified payment gateway 130 connects the payment gateways 131 to 134 with the merchant computer system 120 to provide the payment gateway service thereto while making the monetary medium or currency intrinsic to the relevant countries as the payment instrument.
The financial networks 141 to 144 of the countries are connected to the payment gateways 131 to 134 of the corresponding countries to make payment settlement accruing to the electronic commercial transactions.
As shown in Fig. 9, in operation, the customer 110 of the A country drives a web browser at the personal computer, and inputs the URL of the merchant computer system 120 of the B country into the web browser. The web browser connects to the merchant server of the B country, and receives data on the merchant homepage of the B country while displaying them on the web browser.
22 The homepage of the merchant computer system 120 of the B country is provided with a form of purchase order fed from the payment gateway. The customer of the A country selects the goods to be ordered at the merchant homepage, and fills the purchase order form with the purchase order information. The purchase order information includes items to be ordered, address and name of the customer, and credit card information of the customer.
Thereafter, the customer computer system 110 of the A country transmits the purchase order information to the unified payment gateway 130.
The unified payment gateway 130 selects a suitable subsidiary payment gateway. The subsidiary payment gateways are differentiated in payment instrument, payment currency, and service charge. In the selection of the subsidiary payment gateway, the unified payment gateway 130 should consider which subsidiary payment gateway is advantageous in tax, service charge, payment date of the service charge, and exchange rate. The unified payment gateway 130 may select the subsidiary payment gateway of the A country, or the subsidiary. payment.gateway of the.third country C. Depending upon the selected subsidiary payment gateway, the unified payment gateway can obtain profits due to difference in financial infra such as tax, service charge, and payment date of the service charge. Particularly when the unified payment gateway selects the payment gateway 132 of the A country where the customer is resident, the payment settlement is made only through the financial institution of the A country so that the service charge can be reduced.
Furthermore, since the recognition of exportation can be easily made in such a 23 condition, the merchant of the B country obtains advantage in the financial aspect.
After receipt of the purchase order information, the unified payment gateway 130 calls the transaction solution of the selected payment gateway, and drives the solution. The unified payment gateway 130 has a transaction solution per each payment gateway, and each transaction solution has an API that is an interfacing library served by the payment gateway.
The unified payment gateway 130 transmits the purchase order information to the financial institution of the selected payment gateway, and requests for payment authorization thereto.
The financial institution decides whether to grant or reject the payment authorization request based on the purchase order information and financial information, and returns the payment authorization response to the unified payment gateway 130.
The unified payment gateway 130 initiates transaction with the customer when the. financial institution grants the payment authorization, or does not initiate transaction with the customer when the financial institution rejects the payment authorization. The initiation of transaction is notified to the customer through displaying it on the web browser or via electronic mail.
After the transaction is initiated, the merchant of the B country requests payment for the transaction to the selected payment gateway through the unified payment gateway.' The selected payment gateway makes payment for the transaction to the merchant of the B country with their own currency or 24 other currency available thereto as well as to the merchant. The payment gateway requests settlement for the amount of payment to the affiliated financial institution, and the financial institution transmits the payment settlement request to the customer of the A country. The customer of the A country makes payment for the transaction to the financial institution.
In the above way, the customer can select the desired monetary system for use as the payment instrument, and the desired payment gateway.
The merchant can be provided with a simple form of purchase -order through downloading it at the homepage.
As described above, the inventive electronic commerce system can provide convenient electronic commerce environments.
Furthermore, since the unified payment gateway unifies plural numbers of subsidiary payment gateways, the merchant can be served by the plurality of subsidiary payment gateways through being affiliated with the unified payment gateway. Since the unified payment gateway takes over the transaction solutions of the plurality of-subsidiary payment gateways, the merchant can establish convenient electronic commerce environments.
Furthermore, the electronic commerce system can be easily adapted to the various financial environments of many countries.
While the present invention has been described in detail with reference to the preferred embodiments, those skilled in the art will appreciate that various modifications and substitutions can be made thereto without departing from the spirit and scope of the present invention as set forth in the appended claims.
26

Claims (24)

1 An electronic commerce system comprising:
a merchant computer system with a homepage being in communication with a customer computer system over the Internet, the homepage of the merchant computer system being provided with a form of purchase order, the customer connecting to the homepage of the merchant and filling the purchase order form with the purchase order information while requesting purchase for the goods or services to be ordered, the merchant initiating transaction with the customer when payment authorization for the customer is made in due course; a unified payment gateway providing the purchase order form to the merchant computer systern to give consistent transaction environments thereto and receiving the purchase order information from the merchant computer system, the unified payment gateway having a plurality of transaction solutions and initiating the transaction with the customer through driving the transaction solution when the payment authorization for the customer is made; subsidiary payment gateways interfacing with the transaction solutions of the unified payment gateway, the subsidiary payment gateway well adapted to the purchase order information being selected by the unified payment gateway, the selected subsidiary payment gateway receiving payment authorization request with the purchase order information from the unified payment gateway; and a financial network receiving the payment authorization request and the purchase order information from the subsidiary payment gateway, the financial 27 network deciding whether to grant or reject the payment authorization request and transmitting a payment authorization response to the unified payment gateway.
2. The electronic commerce system of claim 1 wherein the selection of the subsidiary payment gateway is made such that the selected subsidiary payment gateway is advantageous to the unified payment gateway or to the customer, while considering tax, service charge, exchange rate or kinds of services, the transaction solution being provided by the selected subsidiary payment gateways.
3. The electronic commerce system of claim 1 or 2, wherein the financial network comprises:
VANs receiving the payment authorization request and the purchase order information from the subsidiary payment gateways., and financial institutions receiving the payment authorization request and is the purchase order information from the VANs, checking the stored credit information of the customer-to decide- whether.to grant or. reject the payment authorization request, and transmitting the payment authorization response to the subsidiary payment gateways via the VANs.
4. The electronic commerce system of claim 1, 2 or 35 wherein the merchant computer system is in communication with the unified payment gateway via a TCP/IP network.
5. The electronic commerce system of claim 1, 2, 3 or 4, wherein the purchase order information is written in an HTML file, or written based on 28 software supplied by the unified payment gateway.
6. The electronic commerce system of any one of Claims 1-5, wherein the unified payment gateway stores and manages the transaction information of the customer. 5
7. The electronic commerce system of Claim 6, wherein the merchant can search the transaction information of the customer as well as of the customer, stored at the unified payment gateway.
8. The electronic commerce system of any one of Claims 1-7, wherein the transaction solutions of the unified payment gateway each have an API that is a program library interfacing with the subsidiary payment gateway in one to one correspondence, the unified payment gateway driving the transaction solution.
9. The electronic commerce system of any one of Claims 1-8, wherein the unified payment gateway requests payment for the transaction to the financial network when the transaction is initiated between the customer and the merchant, and s ends the amount of payment to the merchant after receipt of the amount from the financial network while making payment for the service charge to the relevant subsidiary payment gateway.
10. The electronic commerce system of any one of Claims 1-9, wherein the merchant requests payment for the transaction to the financial network when the transaction is initiated between the customer and the merchant, and makes payment for the service charge to the unified payment gateway and the subsidiary payment gateway after receipt of the amount of payment from the financial network.
M 29 11- The electronic commerce system of any one of Claims 1 to:AO, wherein the purchase order information comprises payment information such as credit card number, banking transfer, micro-payment.
12. A method of operating an electronic commerce system, the electronic commerce system comprising a merchant computer system selling goods or services on a web over the Internet, and a unified payment gateway interfacing between the merchant computer system and a financial network, the method comprising the steps of:
(a) connecting to a homepage of the merchant computer system at a customer computer system using a web browser, (b) filling a form of purchase order of the merchant homepage with the purchase order information at the customer computer system while requesting payment authorization, (c) transmitting the purchase order information and the payment authorization request to a server of the unified payment gateway through a TCP/IP network; (d) receiving the purchase order information and the payment authorization request at the unified payment gateway, the unified payment gateway selecting a subsidiary payment gateway well adapted to the purchase order information, and driving a transaction solution of the selected subsidiary payment gateway; (e) transmitting the purchase order information and the payment authorization request to a financial network from the unified payment gateway via the selected subsidiary payment gateway; (f) checking the payment authorization request at the financial network, and transmitting a payment authorization response to the unified payment gateway; and (g) initiating transaction with the customer at the unified payment gateway when the financial network grants the payment authorization request, or not when the financial network rejects the payment authorization request.
13. The method of claim 12 further comprising the steps of: - (h) displaying the initiation of transaction on the web browser connected to the merchant homepage at the unified payment gateway; and (i) informing the initiation of transaction to the customer via electronic mail at the unified payment gateway.
14. The method of claim 13 further comprising the step of G) storing the transaction information of the customer at the server of the unified payment Is gateway.
15. The method of claim 14 further comprising the step of. (k) searching and checking the transaction information of the customer at the merchant while connecting to the server of the unified payment gateway.
16. The method of Claim 12, 13, 14 or 15, wherein the purchase order form of the merchant homepage is written in HM, and fed from the unified payment gateway such that the merchant can freely vary the puzchase order form.
17. The method of Claim 12, 13, 14, 15 or 16, wherein the ;zgilsaction solution of the subsidiary payment gateway selected at Mhe (d) step are provided at the unified 31 payment gateway, and each transaction solution has an API fed from each subsidiary payment gateway.
18- The method of any one of Claims 12 to 17, further comprising the step of 1) requesting payment gateway service at the merchant before the (a) step.
19. The method of any one of Claims 12 to 18, further comprising the steps of-:
(m) requesting payment for the transaction to the financial network at 1' the merchant when the transaction is initiated at the (g) step; (n) making payment for the transaction to the merchant at the financial network; and (a) making payment for the service charge to the unified payment gateway and the subsidiary payment gatewav at the merchant.
20. The method of any one of Claims 12 to 19, further comprising the steps of:
(p) requesting payme nt for the transaction to the financial network at the unified payment gateway when the transaction is initiated At the (g) step; is (q) making payment for the transaction to the unified payment gateway at the financial network; and - (r) sending the amount of payment to the merchant at the unified payment gateway while making payment for the service charge to the subsidiary payment gateway.
21. A method of operating an electronic commerce system, the electronic commerce system comprising a merchant computer system of an A country with a homepage server selling goods or services over the Internet, a customer computer system of a B country purchasing the goods or services on 32 the merchant homepage via a web browser, a plurality of subsidiary payment gateways making the payment gateway service based on monetary medium or currency intrinsic to plural numbers of countries as the payment instrument, and a unified payment gateway interfacing with the plurality of subsidiary payment gateways, the method comprising the steps of:
(s) connecting to the merchant system of the A country through the web browser at the customer of the B country; (t) selecting the goods or services to be ordered at the customer of the B country while inputting the purchase order information into the merchant homepage of the A country displayed on the web browser; (u) receiving the purchase order information at the unified payment gateway, and selecting a subsidiary payment gateway using suitable monetary medium or currency as the payment instrument; (v) driving a transaction solution fed from the selected subsidiary payment gateway; (w) initiating transaction with -the customer at the unified payment gateway when payment authorization for the customer is made; and (x) making payment for the transaction to the merchant of the B country using the currency of the selected payment gateway as the payment instrument
22. The method of claim 21 wherein the subsidiary payment gateway making payment gateway service with the currency of the B country is selected at the (u) step.
33
23. An electronic commerce system substantially as hereinbefore described with reference to, and as illustrated in, Figs. 1-9 of the accompanying drawings.
24. A method of operating an electronic commerce system substantially as hereinbefore described with reference to, and as illustrated in, Figs. 1-9 of the accompanying drawings.
34
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KR100373507B1 (en) 2003-02-25

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