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 PDFInfo
- 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
- Authority
- KR
- South Korea
- Prior art keywords
- lease
- server
- information
- shopping mall
- product
- Prior art date
Links
Images
Classifications
-
- 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
Landscapes
- Business, Economics & Management (AREA)
- 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
Description
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.
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
The buyer terminals 100-1 to 100-N and the seller terminals 200-1 to 200-N are connected to the
The
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
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
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
The
In addition, the
The
The
In addition, the
In addition, the buyer information DB 330 provided in the
In addition, the product information DB 340 provided in the
Particularly, the
The
In addition, the
Also, the
In addition, the
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
In addition, the
The
Also, the
The
Meanwhile, although the
In the embodiment of the present invention, the
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
When the user selects a lease settlement from an order form provided through the
Thereafter, the
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
Next, the approval completion information of the installment limit approval request transmitted in the step S300 is received through the
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
Meanwhile, in step S600, the
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
In addition, after the step S700, after receiving the contract completion information on the contract of the lease product from the
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)
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.
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.
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 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:
(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:
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:
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.
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:
Priority Applications (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020140071613A KR20150142937A (en) | 2014-06-12 | 2014-06-12 | System for lease goods payment in the electronic commerce and method thereof |
Applications Claiming Priority (1)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
KR1020140071613A KR20150142937A (en) | 2014-06-12 | 2014-06-12 | System for lease goods payment in the electronic commerce and method thereof |
Publications (1)
Publication Number | Publication Date |
---|---|
KR20150142937A true KR20150142937A (en) | 2015-12-23 |
Family
ID=55082198
Family Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
KR1020140071613A KR20150142937A (en) | 2014-06-12 | 2014-06-12 | System for lease goods payment in the electronic commerce and method thereof |
Country Status (1)
Country | Link |
---|---|
KR (1) | KR20150142937A (en) |
Cited By (3)
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 |
Citations (1)
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 |
-
2014
- 2014-06-12 KR KR1020140071613A patent/KR20150142937A/en not_active Application Discontinuation
Patent Citations (1)
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)
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 |
Similar Documents
Publication | Publication Date | Title |
---|---|---|
US20090327064A1 (en) | Method for selling bundle discount products in the electronic commerce and computer-readable record medium which is recording a program of executing the method | |
JP5232074B2 (en) | Electronic commerce method, recording medium recording program for causing online market server to perform electronic commerce method, and online market server | |
CN105164713A (en) | Systems and methods for mobile device financing | |
JP6012825B2 (en) | Electronic coupon service providing method and system using network communication network | |
CN103503008A (en) | Barcode checkout at point of sale | |
KR20090016101A (en) | Method and system for managing on-line market with direct receipt delivery option of purchased merchandise | |
KR101609909B1 (en) | Product oder service system in the electronic commerce using smart phone and method thereof | |
US20130290176A1 (en) | Transaction service purchase options via a payment provider | |
KR20010016307A (en) | Shopping mall running method by parceling out the web site and its system | |
Al-Mahbubah et al. | The Frame of Sharia Economic on Paylater Payment System | |
KR20150142937A (en) | System for lease goods payment in the electronic commerce and method thereof | |
KR20170037445A (en) | Bank server for brokerage of account receivable and method of operation thereof | |
KR101963001B1 (en) | Product oder service system in the electronic commerce using smart phone and method thereof | |
JP6494168B2 (en) | Credit card settlement system and credit card settlement method using the same | |
KR20170023918A (en) | System for payment in the electronic commerce and method thereof | |
KR101387898B1 (en) | Method for shopping e-money management service commodities in the electronic commerce and computer readable record medium on which a program therefor is recorded | |
KR20160073364A (en) | System for automatic application discount coupons of goods in the electronic commerce and method thereof | |
KR20000063805A (en) | System and method for sanction through electronic shopping mall on network | |
KR101712765B1 (en) | System for simple payment in the electronic commerce and method thereof | |
KR101633172B1 (en) | System for automatic application discount coupons of goods in the electronic commerce and method thereof | |
JP5918995B2 (en) | Payment processing method and bank server used for the payment processing | |
KR20170082997A (en) | Accout transfer method on firm banking and account transfer system using the same | |
KR20150130097A (en) | System for card payment in the electronic commerce and method thereof | |
KR101764537B1 (en) | System for automatic application discount coupons of goods in the electronic commerce and method thereof | |
KR101617511B1 (en) | System for automatic application discount coupons of goods in the electronic commerce and method thereof |
Legal Events
Date | Code | Title | Description |
---|---|---|---|
E601 | Decision to refuse application |