KR20150142937A - System for lease goods payment in the electronic commerce and method thereof - Google Patents

System for lease goods payment in the electronic commerce and method thereof Download PDF

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Publication number
KR20150142937A
KR20150142937A KR1020140071613A KR20140071613A KR20150142937A KR 20150142937 A KR20150142937 A KR 20150142937A KR 1020140071613 A KR1020140071613 A KR 1020140071613A KR 20140071613 A KR20140071613 A KR 20140071613A KR 20150142937 A KR20150142937 A KR 20150142937A
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South Korea
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lease
server
information
shopping mall
product
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KR1020140071613A
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Korean (ko)
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김양현
오기명
김충일
문영구
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주식회사 이베이코리아
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Priority to KR1020140071613A priority Critical patent/KR20150142937A/en
Publication of KR20150142937A publication Critical patent/KR20150142937A/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
    • G06Q20/08—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
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions
    • G06Q30/0645—Rental transactions; Leasing transactions

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  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • General Physics & Mathematics (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Development Economics (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

The present invention relates to a system for lease product payment in electronic commerce and a method thereof. According to the present invention, by paying a certain amount of money every month during the predetermined stipulated time for expensive products in electronic commerce, customer service can be provided with guarantee consistently during the period of a contract for a use of the expensive products. To this end, the system of the present invention comprises: at least one purchaser terminal and seller terminal; a shopping mall server for providing an online shopping mall service to enable a purchaser subscribed through the purchaser terminal to buy a lease product which is registered by a seller through the seller terminal; and a lease managing server, connected to the shopping mall server, for managing payment of the lease product. The shopping mall server receives: information on monthly installment amount, interworking with the lease managing server or a separate financial institution server to request for approving of installment limit amount of the seller; information on the approval of installment limit amount from the lease managing server or the financial institution server to provide an order form of the least product to the purchaser terminal; order information on the order form of the lease product from the purchaser terminal to provide information on delivery to the seller terminal, which corresponds to the seller; and information on determination of purchasing the lease product from the seller terminal, interworking with the lease managing server or the financial institution server to provide a contract document of the lease product to the purchaser terminal.

Description

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce system,

More particularly, the present invention relates to a system and method for leasing goods in an electronic commerce, and more particularly, to an electronic commerce system in which an expensive commodity is paid for a predetermined amount each month during a contracted period, The present invention relates to a lease payment system and method in an electronic commerce, in which an after-sales service (A / S) is provided.

In recent years, with the rapid development of the Internet, the proportion of electronic commerce that purchases goods online is increasing day by day. Such e-commerce has been extended to various commodities including household goods, household goods, and electronic products.

The development of electronic commerce is largely driven by the development of telecommunication networks, but above all, there is little that sellers and buyers can enjoy other benefits not available in traditional commerce systems.

In other words, since the seller does not need to have a separate large warehouse for storing the store and the goods, the facility money is saved as much as that, so that it can be reflected in the product price. On the other hand, from the buyer's point of view, But also the advantage of being able to purchase goods at a cheaper price.

That is, the electronic commerce refers to a transaction in which all or a part of a transaction of goods or services is processed by electronic means such as electronic document exchange.

These e-commerce transactions are similar to the commercial transactions in the real world. In the simplest case of e-commerce, a cyber mall that provides goods or services, a consumer who purchases goods or services at a store, a virtual bank or a credit card company involved in a financial relationship with a product, .

As for the process of the electronic commerce, a consumer first accesses a virtual shop through a terminal connected to the Internet such as a computer, and performs shopping. When the user finds a desired item to be purchased, he or she delivers the purchase intention to the virtual shop, and provides payment means such as a credit card number and a password.

The virtual shop inquires the credit card number and the password provided by the customer to the virtual bank or the credit card company and requests payment. When a virtual bank or credit card company pays a virtual store, the virtual store completes the purchase process by delivering the product to the customer.

In recent years, there has been a demand for a system that can be purchased by a payment method such as lease or installment in electronic commerce for expensive commodities (for example, household appliances, furniture, massage chairs, automobiles, etc.) .

At this time, in the installment payment method, the buyer usually owns the ownership right of the goods immediately after the contract, and when the contract is terminated, the installment payment amount and the reimbursement fee should be paid. In the lease settlement method, the lease management company (for example, lease zone) owns the ownership of the object during the contract period, the buyer owns the ownership right from the end of the contract, and a part of the lease fee You must pay the penalty.

Korean Patent Laid-Open Publication No. 10-2007-0065283

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problems, and it is an object of the present invention to provide an electronic commerce system in which an expensive commodity is paid for a predetermined amount each month during a contracted period, After service, after-sales service (A / S), and the like.

In order to achieve the above object, a first aspect of the present invention provides an information processing system comprising at least one buyer and seller terminal; A shopping mall server in which an online shopping mall service is provided such that a buyer who is registered as a member through the buyer terminal purchases a lease item of a seller registered through the seller terminal; And a lease management server that manages payment of a lease item in connection with the shopping mall server, wherein the shopping mall server receives the monthly installment amount information of the lease commodity from the buyer terminal and receives the monthly installment amount information of the lease commodity from the lease management server or a separate financial institution server Requesting approval of the installment limit of the corresponding purchaser in connection with the lease management server or the financial institution server and receiving the approval completion information for the approval request of the installment limit from the lease management server or the financial institution server and providing an order form for the lease item to the buyer terminal, The order information of the lease product for the order book provided from the buyer terminal is provided to the seller terminal corresponding to the seller of the lease product and the purchase information of the lease product is received from the buyer terminal, In connection with the management server or the financial institution server The contract of lease products to provide leasing products in e-commerce payment system which comprises a terminal provided to the buyer.

Here, it is preferable that the shopping mall server receives the contract completion information on the contract of the lease product from the leasing management server and provides settlement-related information of the lease item to the seller terminal corresponding to the seller of the lease product.

Preferably, the shopping mall server receives the order information of the lease item from the buyer terminal and transmits the order information of the lease item to the lease management server.

Preferably, the order information of the lease product includes at least one of a company unique number, a product name, a product code, a product supply price, an order number, a lease or installment month, a monthly payment, an order type, Whether or not they agree with each other.

A second aspect of the present invention is a lease goods settlement method in an electronic commerce using a system including a buyer terminal, a seller terminal and a lease management server connected to a shopping mall server through a communication network, the method comprising: (a) Receiving monthly installment amount information of the lease product from the buyer terminal and requesting approval of the installment limit of the buyer in connection with the lease management server or another financial institution server; (b) receiving approval completion information on an allowance limit approval request from the leasing management server or the financial institution server through the shopping mall server and providing an order form for the lease item to the buyer terminal; (c) receiving order information of the lease product from the buyer terminal through the shopping mall server and providing the order information to the seller terminal corresponding to the seller of the lease product; And (d) receiving the purchase decision information of the lease item from the buyer terminal through the shopping mall server and providing the lease management server or the financial institution server with a contract of the lease item to the buyer terminal The present invention provides a method of paying a lease in an electronic commerce.

Here, after the step (d), after receiving the contract completion information on the contract of the lease product from the leasing management server through the shopping mall server, the contract completion information is transmitted to the seller terminal corresponding to the seller of the lease product, It is preferable to further include a step of providing information.

Preferably, in the step (c), the shopping mall server receives the order information of the lease item from the buyer terminal in the step (b) and transmits the order information of the lease item to the lease management server have.

Preferably, the order information of the lease product includes at least one of a company unique number, a product name, a product code, a product supply price, an order number, a lease or installment month, a monthly payment, an order type, Whether or not they agree with each other.

A third aspect of the present invention is to provide a recording medium on which a program for executing the lease payment method in the electronic commerce described above is recorded.

The lease payment method in the electronic commerce according to the present invention can be implemented by a computer readable code on a computer readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

For example, the computer-readable recording medium includes a ROM, a RAM, a CD-ROM, a magnetic tape, a hard disk, a floppy disk, a removable storage device, a nonvolatile memory, , And optical data storage devices.

According to the lease payment system and method in the electronic commerce of the present invention as described above, in the electronic commerce, an expensive commodity is paid for a predetermined amount each month for a predetermined commitment period, There is an advantage that after service (after service, A / S) can be provided.

1 is a block diagram of an overall system for explaining a lease payment system in an electronic commerce according to an embodiment of the present invention.
FIG. 2 is a general flowchart for explaining a method of paying a lease in an electronic commerce according to an embodiment of the present invention.
3 is a conceptual diagram for explaining a method of paying a lease in an electronic commerce according to an embodiment of the present invention.
FIGS. 4 to 6 are diagrams illustrating screens for implementing a method of paying a lease in an electronic commerce according to an embodiment of the present invention.

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings. However, the following embodiments of the present invention may be modified into various other forms, and the scope of the present invention is not limited to the embodiments described below. The embodiments of the present invention are provided to enable those skilled in the art to more fully understand the present invention.

FIG. 1 is a block diagram illustrating a card settlement system in an electronic commerce according to an exemplary embodiment of the present invention. Referring to FIG.

1, the card payment system in an electronic commerce according to an embodiment of the present invention includes at least one purchaser terminal 100-1 to 100-N, a seller terminal 200-1 to 200-N, A shopping mall server 300, a lease management server 400, a financial institution server 500, and the like.

The buyer terminals 100-1 to 100-N and the seller terminals 200-1 to 200-N are connected to the web server 310 of the shopping mall server 300 via the communication network 10, A typical Web browser is provided so that a web page such as various HTML (Hyper Text Markup Language) documents provided in the web server 310 of the server 300 can be displayed and displayed on the screen Respectively.

The communication network 10 refers to a worldwide open computer network structure for providing various services existing in the TCP / IP protocol and the upper layer thereof. The purchaser terminals 100-1 to 100-N and the seller terminals 200 -1 to 200-N) can be connected to the web server 310 of the shopping mall server 300. [0050] Meanwhile, the communication network 10 may be a wired or wireless Internet, or may be a core network integrated with a wired public network, a wireless mobile communication network, or a portable Internet.

The buyer terminals 100-1 to 100-N and the seller terminals 200-1 to 200-N are generally computers such as a desktop PC (Personal Computer), a notebook PC, and the like, but the present invention is not limited thereto , And may be any kind of wired / wireless communication device that can access various web-based shopping mall services by accessing the web server 310 of the shopping mall server 300 through the communication network 10.

For example, the buyer terminals 100-1 to 100-N and the seller terminals 200-1 to 200-N include various mobile terminals communicating via the wireless Internet or the portable Internet. In addition, The present invention can comprehensively mean all wired and wireless home appliances / communication devices having a user interface for accessing the web server 310 of the shopping mall server 300 such as a smart phone, a mobile game machine, a tablet PC, and an iPad.

In particular, when the buyer terminals 100-1 to 100-N and the seller terminals 200-1 to 200-N are implemented as a normal smart phone, the smart phone may be a general mobile phone (aka a feature phone) The present invention is not limited to the voice / video call and the Internet data communication, which are commonly used as a phone based on an open operating system that can be freely used and deleted by downloading various application programs desired by the user, It is desirable to understand that not all mobile phones with mobile office functions or communication devices including all internet phones or Tablet PCs that do not have voice communication function but have internet access.

In particular, when the buyer terminals 100-1 to 100-N and the seller terminals 200-1 to 200-N applied to the embodiment of the present invention are implemented as a smartphone, for example, an App Store (E.g., auction, G-market app) program, which is an open market, through the shopping mall.

As described above, the web server 310 of the shopping mall server 300 can access the shopping mall related application service installed in the smart phone and use the merchant relay service such as various goods or services.

The shopping mall server 300, which is a server that operates an online shopping mall service through the communication network 10 and relays a general sale, auction, reverse auction, bargain, etc. of goods or services between the seller and the buyer, A variety of sales products registered by the seller terminals 200-1 through 200-N are registered in the web server 100 connected to the communication network 10, To the buyer terminals 100-1 through 100-N through the purchase terminal 310 to manage a web page or an online shopping mall service necessary for the shopping mall operation so that the purchaser can purchase necessary sale goods.

In addition, the shopping mall server 300 can process payment for a sales product selected and selected by the buyer from the sales product list, and for the sales product to be paid to the buyer, You can manage the necessary web page or online shopping mall services such that you can see the process of delivering, such as notifying the guide, tracking the position of the item being shipped, or the result.

The Web server 310 of the shopping mall server 300 also receives the shopping mall server 300 from the buyer terminals 100-1 to 100-N and the seller terminals 200-1 to 200-N via the communication network 10. [ And provides an online shopping mall service of the shopping mall server 300 through a predetermined web page or a shopping mall dedicated app. The web server 310 may also perform the functions of the shopping mall server 300 in the same manner.

The Web server 310 of the shopping mall server 300 is connected to the buyer terminals 100-1 to 100-N and the seller terminals 200-1 to 200-N via the communication network 10, 100-1 to 100-N in response to the connection of the seller terminals 200-1 to 200-N and transmits the shopping mall page in response to the connection of the seller terminals 200-1 to 200-N, (For example, a module for inputting a member ID and a password) to a shopping mall page of the seller terminals 200-1 to 200-N and the buyer terminals 100-1 to 100- The function of providing online shopping mall services to the corresponding purchaser terminals 100-1 to 100-N and the seller terminals 200-1 to 200-N in response to the reception of the member authentication data from the terminal 200-1 to 200- .

In addition, the seller information DB 320 provided in the shopping mall server 300 may store seller information (for example, a seller ID, a password, a contact, and the like) registered by a registered seller, product information (for example, The goods information, the goods name, the price, the goods brand, the characteristics of the goods, etc.) or the service information, etc., can be read by the shopping mall server 300 or updated with new seller information.

In addition, the buyer information DB 330 provided in the shopping mall server 300 stores buyer information registered by the registered purchaser, for example, buyer member ID, password, contact information, shopping cart information, A shopping mall server 300 for storing / managing information on goods in bargain, product information on payment products, delivery information, purchase decision information, and product information on a regular store, Or updated with new buyer information.

In addition, the product information DB 340 provided in the shopping mall server 300 is a DB in which information on various goods or services is recorded, and the information is read by the shopping mall server 300 or updated with new sales product information .

Particularly, the shopping mall server 300 receives monthly installment amount information of the lease commodity from the buyer terminals 100-1 to 100-N and associates with the lease management server 400 and / or the financial institution server 500, To request the approval of the installment limit.

The lease management server 400 and / or the financial institution server 500 may request the approval of the buyer's installment limit through the buyer terminals 100-1 to 100-N without going through the shopping mall server 300 . At this time, it is preferable that the lease management server 400 and / or the financial institution server 500 implement the purchase order limit approval inquiry, the lease agreement agreement, and the like to be exposed to the purchaser.

In addition, the shopping mall server 300 receives the approval completion information on the installment approval request from the lease management server 400 and / or the financial institution server 500 and transmits the approval completion information to the buyer terminals 100-1 to 100- Provide an order form for the product.

Also, the shopping mall server 300 receives the order information of the lease goods from the buyer terminals 100-1 to 100-N with respect to the provided order book, receives the order information from the seller terminals 200-1 to 200- N) to deliver the relevant lease item to the buyer.

In addition, the shopping mall server 300 receives the order information of the lease goods from the buyer terminals 100-1 to 100-N, and transmits the order information of the lease goods to the lease management server 400 desirable.

At this time, the order information of the lease product includes, for example, a company unique number (a fixed value set in a lease zone), a product name (a name of a sold product), a product code (a unique value for a product in auction) (Monthly payment in case of lease or installment), monthly payment (monthly payment in case of lease or installment), monthly payment (monthly payment in case of lease or installment), order number (used as key value when sending deposit information to order number of auction) You can choose whether to order or not (whether it is a lease or installment), the recipient (the shipping address where the item will be shipped), the shipping contact (the shipping address where the item will be shipped) Including the payment bank account number (the account number at which cash payment will be made at the time of cash settlement) and the settlement bank name (the bank name of the account for which cash payment is to be made) It can be done over.

In addition, the shopping mall server 300 receives the purchase decision information of the corresponding lease item from the buyer terminals 100-1 to 100-N and associates with the lease management server 400 and / or the financial institution server 500, And provides a contract of goods to the buyer terminals 100-1 to 100-N.

In addition, the shopping mall server 300 receives the contract completion information for the lease product contract from the lease management server 400 and sends the lease management information to the seller terminals 200-1 to 200-N corresponding to the seller of the lease product, It is desirable to provide information relating to settlement of goods.

The lease management server 400 collectively manages the settlement of the lease items in association with the shopping mall server 300 through the communication network 10 and performs a purchase decision on the lease goods that the purchaser has applied for purchase to the shopping mall server 300 And provides a contract to the buyer terminals 100-1 to 100-N to create contract-related information for the lease product in cooperation with the financial institution server 500. [

Also, the lease management server 400 receives the contract-related information on the lease product from the buyer terminals 100-1 to 100-N and transmits the contract completion information on the lease product contract to the shopping mall server 300 Function.

The financial institution server 500 performs credit evaluation on the buyer of the lease item in association with the shopping mall server 300 through the communication network 10 and performs the credit evaluation on the purchase limit of the buyer requested from the shopping mall server 300 And transmits the approval completion information to the shopping mall server 300 in response to the approval request of the buyer.

Meanwhile, although the financial institution server 500 according to an embodiment of the present invention performs the credit rating of the purchaser, the present invention is not limited to this, and the lease management server 400 may implement the credit rating of the purchaser.

In the embodiment of the present invention, the shopping mall server 300 and the lease management server 400 are separated and implemented. However, the present invention is not limited to this, and the lease management server 400 may be included in the shopping mall server 300, The server 300 may perform all the functions of the lease management server 400. [

Hereinafter, a card settlement method in an electronic commerce according to an embodiment of the present invention will be described in detail.

FIG. 2 is a flowchart illustrating a method for paying a lease in an electronic commerce according to an exemplary embodiment of the present invention. FIG. 3 is a flowchart illustrating a method for paying a lease in an electronic commerce according to an exemplary embodiment of the present invention. FIG. 4 to FIG. 6 are diagrams for explaining a screen for implementing a method of paying a lease in an electronic commerce according to an embodiment of the present invention.

1 to 5, a method for paying a lease in an electronic commerce according to an exemplary embodiment of the present invention starts with the steps of: (1) 310) to the shopping mall server 300 (S100).

For example, as shown in FIG. 4, when a long-term installment (or lease) button is selected from a lease item provided through the web server 310 of the shopping mall server 300, do. If the buyer agrees with the conditions such as the monthly installment amount, he / she is requested to purchase the lease item to the shopping mall server 300. At this time, the buyer inputs the consent of the buyer's credit inquiry for the credit evaluation, the name of the applicant and the resident registration number of the applicant when applying for purchase of the lease product.

When the user selects a lease settlement from an order form provided through the web server 310 of the shopping mall server 300 and then clicks the settlement, the lease company, that is, the lease module provided by the lease management server 400 Inquiry, lease agreement, etc.) to the buyer. In this state, it is preferable that the purchase order is provided to the buyer and failure is handled when the lease module causes an inappropriate reason for the contract, and when the request for approval of the buyer's installment limit is completed, the order is completed, .

Thereafter, the lease management server 400 and / or the financial institution server 500 receive the monthly installment amount information of the leased product from the buyer terminals 100-1 through 100-N via the shopping mall server 300 And requests approval of the installment limit of the buyer (S200).

Then, if the credit evaluation of the buyer for the approval request for approval of the purchase of the corresponding buyer requested in the step S200 is performed through the lease management server 400 and / or the financial institution server 500, And transmits the approval completion information for the limit approval request to the shopping mall server 300 (S300).

Next, the approval completion information of the installment limit approval request transmitted in the step S300 is received through the shopping mall server 300, and the buyer terminal 100-1 to 100-N provides an order form for the corresponding lease item ( S400) (see Fig. 5).

Thereafter, the buyer terminal 100-1 to 100-N receives the order information of the lease product for the order book provided in the step S400, and transmits the order information to the shopping mall server 300 (S500).

Then, the order information of the lease goods transmitted in the step S500 is received through the shopping mall server 300, and the delivery related information is provided to the seller terminals 200-1 to 200-N corresponding to the seller of the lease goods And the lease item is delivered to the purchaser (S600).

Meanwhile, in step S600, the shopping mall server 300 receives the order information of the leased item transmitted in step S500 and transmits order information of the corresponding lease item to the lease management server 400. [

At this time, the order information of the lease product includes, for example, a company unique number, a product name, a product code, a product supply price, an order number, a lease or installment month, a monthly payment, an order type, Agreement information, settlement bank account number, and settlement bank name. On the other hand, when the card is settled on the lease item, it is preferable that the settlement bank account number and the settlement bank name information are excluded from the order information of the lease product.

Next, purchase decision information on the corresponding lease product is received from the buyer terminals 100-1 to 100-N via the shopping mall server 300 and linked with the lease management server 400 and / or the financial institution server 500 (See FIG. 6) of the lease product to the buyer terminals 100-1 to 100-N (S700).

In addition, after the step S700, after receiving the contract completion information on the contract of the lease product from the lease management server 400 through the shopping mall server 300, the seller terminal 200-1 corresponding to the seller of the lease product 200-N to provide settlement-related information of the corresponding lease product.

Meanwhile, the lease payment method in an electronic commerce according to an embodiment of the present invention can also be implemented as a computer-readable code on a computer-readable recording medium. A computer-readable recording medium includes all kinds of recording apparatuses in which data that can be read by a computer system is stored.

For example, the computer-readable recording medium includes a ROM, a RAM, a CD-ROM, a magnetic tape, a hard disk, a floppy disk, a removable storage device, a nonvolatile memory, , And optical data storage devices.

In addition, the computer readable recording medium may be distributed and executed in a computer system connected to a computer communication network, and may be stored and executed as a code readable in a distributed manner.

Although the preferred embodiment of the lease payment system and the method thereof in the electronic commerce according to the present invention has been described above, the present invention is not limited thereto. It is possible to carry out various modifications and the present invention also belongs to the present invention.

100-1 to 100-N: a buyer terminal, 200-1 to 200-N: a seller terminal,
300: shopping mall server, 310: web server,
320: seller information DB, 330: buyer information DB,
340: goods information DB, 400: lease management server,
500: financial institution server

Claims (9)

At least one buyer and seller terminal;
A shopping mall server in which an online shopping mall service is provided such that a buyer who is registered as a member through the buyer terminal purchases a lease item of a seller registered through the seller terminal; And
And a lease management server for managing the settlement of the lease item in association with the shopping mall server,
The shopping mall server receives the monthly installment amount information of the lease commodity from the buyer terminal and requests approval of the installment limit of the buyer in connection with the lease management server or the separate financial institution server, The order information of the lease item is received from the buyer terminal and the order information of the lease item is received from the buyer terminal, Providing the delivery information to the seller terminal corresponding to the lease item, receiving the purchase decision information of the lease item from the buyer terminal, linking the lease management server or the financial institution server to the buyer terminal In an electronic commerce Lease payments system products.
The method according to claim 1,
Wherein the shopping mall server receives contract completion information on a contract of the lease product from the leasing management server and provides settlement related information of the lease product to a seller terminal corresponding to the seller of the lease product, Lease commodity payment system in.
The method according to claim 1,
Wherein the shopping mall server receives the order information of the lease product with respect to the provided order form from the buyer terminal and transmits the order information of the lease item to the lease management server.
The method of claim 3,
The order information of the lease product includes information such as a company unique number, a product name, a product code, a product supply price, an order number, a lease or installment month, a monthly payment, an order type, Wherein the electronic commerce system comprises:
1. A method for soliciting lease goods in an electronic commerce using a system including a buyer terminal, a seller terminal, and a lease management server connected to a shopping mall server through a communication network,
(a) receiving monthly installment amount information of a lease commodity from the buyer terminal through the shopping mall server and requesting approval of the installment limit of the buyer in connection with the lease management server or a separate financial institution server;
(b) receiving approval completion information on an allowance limit approval request from the leasing management server or the financial institution server through the shopping mall server and providing an order form for the lease item to the buyer terminal;
(c) receiving order information of the lease product from the buyer terminal through the shopping mall server and providing the order information to the seller terminal corresponding to the seller of the lease product; And
(d) receiving the purchase decision information of the lease item from the buyer terminal through the shopping mall server and providing the lease agreement with the buyer terminal in cooperation with the lease management server or the financial institution server Wherein the method comprises the steps of:
6. The method of claim 5,
After the step (d), after receiving the contract completion information on the contract of the lease product from the leasing management server through the shopping mall server, the information on settlement of the lease item is transmitted to the seller terminal corresponding to the seller of the lease product The method of claim 1, further comprising the step of:
6. The method of claim 5,
In the step (c), the shopping mall server receives the order information of the lease item from the buyer terminal and transmits the order information of the lease item to the lease management server. The method of payment of lease in electronic commerce.
8. The method of claim 7,
The order information of the lease product includes information such as a company unique number, a product name, a product code, a product supply price, an order number, a lease or installment month, a monthly payment, an order type, Wherein the method comprises the steps of:
A computer-readable recording medium having recorded thereon a program which can be executed by a computer according to any one of claims 5 to 9.
KR1020140071613A 2014-06-12 2014-06-12 System for lease goods payment in the electronic commerce and method thereof KR20150142937A (en)

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Publication number Priority date Publication date Assignee Title
CN108122320A (en) * 2017-12-29 2018-06-05 美的智慧家居科技有限公司 Unlocking method, device and the readable storage medium storing program for executing of household electrical appliances
KR20200132365A (en) 2019-05-17 2020-11-25 주식회사 은성월드 Jewelry lease service system and method
KR20220014350A (en) * 2020-07-23 2022-02-07 주식회사 케이지이니시스 Method for Providing Payment Service Based on Transfer of Ownership

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KR20070065283A (en) 2007-06-04 2007-06-22 주식회사 우리은행 Escrow service system and method of the same

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Publication number Priority date Publication date Assignee Title
KR20070065283A (en) 2007-06-04 2007-06-22 주식회사 우리은행 Escrow service system and method of the same

Cited By (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
CN108122320A (en) * 2017-12-29 2018-06-05 美的智慧家居科技有限公司 Unlocking method, device and the readable storage medium storing program for executing of household electrical appliances
KR20200132365A (en) 2019-05-17 2020-11-25 주식회사 은성월드 Jewelry lease service system and method
KR20220014350A (en) * 2020-07-23 2022-02-07 주식회사 케이지이니시스 Method for Providing Payment Service Based on Transfer of Ownership

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