WO2002019197A1

WO2002019197A1 - Method and apparatus for implementing real-time electronic commerce using electronic banking system

Info

Publication number: WO2002019197A1
Application number: PCT/KR2001/001359
Authority: WO
Inventors: Hyun-Jong Lee; Seung-Woo Lee
Original assignee: Lee Hyun Jong; Lee Seung Woo
Priority date: 2000-08-11
Filing date: 2001-08-10
Publication date: 2002-03-07
Also published as: KR20020013196A; AU2001278806A1

Abstract

The present invention relates to a method and apparatus for implementing a real-time electronic commerce using an electronic banking system and is characterized by the fact that all the commercial deals are closed in real time by transferring money through the bank accounts without disclosing information on the payment means of the customers to the contracting parties concerned with the deal. The invention comprises a step of receiving an order input of a product from the purchaser, a step of generating an order administration code indicative of the order input, a step of receiving an money tranfer input information for payment through internet banking lines, and a step of confirming the bank credits of the purchaser by use of the electronic inquiry service of the banks. Exposures to risk inherent in the conventional electronic commerce are generally removed.

Description

METHODANDAPPARATUS FORIMPLEMENTINGREAL-TIME ELECTRONIC COMMERCE

USING ELECTRONIC BANKING SYSTEM

Technical Field The present invention relates to a method and apparatus for implementing a real-time electronic commerce using an electronic banking system, and more particularly, to a method and apparatus for implementing an electronic commerce in which all the commercial deals are closed in real time by use of an electronic money transfer service of an electronic banking system, which has the same effect as the cash payment, without disclosing information on the payment means of the customers to the contracting parties concerned with the deal .

Background Art

A conventional electronic commerce system is provided with a nice showroom that allows a customer to search and find the commercial products (goods and services) that the customer wants to buy, but without proper means of payment that are necessary for the deals to be closed. For this reason, there frequently occur the cases in that even though a purchaser finds a desirable product, the commercial deal of the product is not accomplished due to improper means of payment supported by the shopping mall.

Especially, the fact that information on the payment means of the purchaser should be disclosed to the operator and kept by the shopping mall acts as a decisive factor of hindering activation of electronic commerce.

Thus, the conventional electronic commerce system has a drawback in that the system itself has a fatal element of hindering accomplishment of active electronic commerce. Also, the conventional electronic commerce system has a structural problem in that payment means supported by the electronic commerce system such as credit card cannot close the commercial deal between the contracting parties concerned in real time. Further, in the conventional system, the deal is possible only when either one of the individuals related, or the related multiples are ready to accept a considerable cost by using the aforementioned payment means. Accordingly, there exists a problem in that a factor capable of saving costs inherently provided in the electronic commerce almost disappears during the settlement process.

Furthermore, since settlement method in the conventional system mainly depends on indirect payment method that is apparently different from the characteristics of cash payment, there occurs a problem in that an encashment procedure, that is unnecessary for the electronic commerce should be followed by the commercial deal.

On the other hand, electronic banking system provides a very good payment means such as customer's account inquiry and money transfer between accounts as part of services for the customers at a very low cost. Since money in the bank account is like cash, money payment by a bank transfer between bank accounts has the same effect as cash payment, and is more powerful means of payment than credit cards, debit cards, and bank checks that are widespread as a general means of payment, and is also more powerful and effective means of payment than electronic money that is an imaginary cyber money.

However, in a practical electronic commerce, the money in the bank account is not accepted as a means of the electronic payment, and there was no effort to use the system as electronic money. FIG.1 is a schematic view of a system for closing a commercial deal between an electronic commerce company and a purchaser in a conventional electronic commerce system. Specifically, FIG. 1A shows a settlement method by a credit card in accordance with the conventional art . In case of settlement by the credit card, when a purchaser 112 accesses to a server 120 of an electronic commerce company (E.C.C.) 118 through a personal computer (PC) 114, and purchases a product, if the purchaser 112 selects a credit card 122 as means for a settlement 116, a deal between the purchaser 112 and the electronic commerce company is closed.

In order for the electronic commerce company to acquire the money on the deal, when the electronic commerce company necessarily collects an obligation to a credit card company 124, and thereby a money transfer procedure in which the credit card company 124 transfers a money in the purchaser' s account 130 of a bank 126 into an electronic commerce company' s account 132 through a computer server 128 of the bank, should be carried out, it becomes possible to change the deal payment into a cash. Thus, the electronic commerce company cannot regard the credit card as means for real-time deal settlement .

In addition, there is a deal in that 5% or more of the sales amount is paid to the credit card company and the payment server side as commission, a danger of cancel of the carduseby thepurchaser, and even a recovery time of the card payment is too long, which acts as a factor inwhich the electronic commerce company is troubled.

In case of VAN company such as DACOM, there is a principle in which once settlement is carried out every month. However, there is a more serious problem in that the purchaser hates to fill in the credit card number, and thereby commercial deal itself does not occur.

To this end, there are appearing various security techniques but it is apparent that if the number is recorded on the commerce company's server, the record naturally remains in the commerce company. Since the credit card does not allow closing the deal in real time, there is a basic contradiction in that the electronic commerce company should necessarily hold the number record for the demand of the payment. Accordingly, a purchaser worrying over the electronic commerce company' s bankruptcy never purchases the product using the credit card. This is one reason in which the electronic commerce market is shrunk.

FIG. lb shows a settlement method using a debit card in accordancewith the conventional art. Incase that apurchaser selects the debit card as a settlement means, the electronic commerce company can receive a real-time money transfer from the purchaser' s account 130 to the electronic commerce company' s account through the computer server 128 of the bank, and accordingly it is possible to close the commercial deal between the purchaser andthe electronic commerce company in real time .

However, the debit card has the following problems, i.e., not many purchasers uses the debit card, there is a deal in that a commission should be paid at a 2% or more on the sales amount, and there is a danger of cancel of the card use like the credit card.

Also, the purchaser fills in the card number on the server like in the credit card, even if the secret number as a safety appliance is not recorded, inquiry itself is impossible and the exposure of the card number is inevitable. Thus, since the credit card and the debit card leaves a trace inevitably, they are not welcomed and practical accidents frequently occur, which acts as a roadblock against the activation of the electronic commerce.

FIG. lc shows a settlement method using a deposit way without a bankbook in accordance with the conventional art . The settlement method using the deposit way without the bankbook corresponds to a case that the purchaser elects the deposit way without the bankbook as the settlement means. Since this method does not have an item to be filled in unlike the card methods, it is preferred by the purchaser compared with the card methods, and is also preferred by the electronic commerce company because it is not a cost deal. Also, since the money is directly deposited into the electronic commerce company's account unlike the card methods, this method has the same effect as deal through cash. To this end, a settlement capability is much superior to the card methods. In spite of these advantages, it is the actual situation that this method is not rooted as a general settlement means for the electronic commerce as well as peoples expected. This method has an advantage in that there is no exposure of information and it is safe, but the purchaser has an inconvenience in that the purchaser should treat the purchase and the settlement separately. In other words, the product purchase is performed on the system but the settlement is performed through an additional payment procedure. Further, this method has a disadvantage in that a gap on time followed by the confirmation of the payment, and an after treatment procedure is not transparent . ^• This is an occurring phenomenon because the electronic commerce company does not fix a treatment procedure on the respective payment means selected by the purchaser in advance, and is not using the electronic banking system of the bank. In other words, the card settlement and the deposit without the bankbook should be discriminated from each other but the electronic commerce company commits a fault not to admit a difference between these settlement means. Accordingly, the deposit without the bankbook is not admitted a realistic value by not knowing of the commerce devices.

FIG. Id shows a settlement method using electronic money in accordance with the conventional art. The settlement method using the electronic money is a new kind of settlement technique that is recently many introduced to make up for the weak points of the card and the deposit without the bankbook. This method occurs in a case that the purchaser pays cash to an electronic money company (E.M.C.) 166 to purchase electronic money 164, and uses the purchased electronic money 164 as the payment means for an electronic commerce . In this case, it is requested that the electronic commerce company should pass a collection procedure of an obligation to the electronic money company 166, and thereby a cash of the electronic money company' s dealing account 168 can be transferred into the electronic commerce company's dealing account. This method is also difficult to anticipate for closing the commercial deal in real time. However, when compared with the foregoing method, this method is preferred because the purchaser has a relatively small danger on the exposure of information on the payment means, but its effectiveness is small as well as people expected. Moreover, since the method is not used for a purpose other than the electronic commerce, it is difficult to be generalized for a while.

Disclosure of the Invention

The conventional electronic commerce has the following problems. Since information on the payment means of the purchaser is forced to be exposed or remain to a shopping server managed by the electronic commerce company, it is comprised of a settlement device that a purchasing appetite of a product is abruptly lost. Also, since it has a settlement means and an introduced system that it is difficult to close the commercial deal between parties related to the commerce, a matter on the real-time closing treatment was not a considering object originally. Accordingly, the present invention is to solve the above problems, and it is an object of the invention to provide a real-time electronic commerce method and apparatus capable of clearing fear on disbelief and stealing possibility on exposure of the purchaser' s payment means information by allowing compensation to be carried out in a state that a margin which information on the purchaser's payment means is left in a server managed by the electronic commerce company is originally cleared.

It is another object of the invention to provide a real-time electronic commerce method and apparatus in which there is installed an on-line confirming device that a manager can confirm all of the progress status including an order contract of a product, deposit, and delivery to enhance the reliability of the deal, a closing procedure of the commercial deal that is necessary every step is automatically carried out, thus all related deals of the electronic commerce is real-time closed, thereby enhancing the rotational speed of the electronic commerce.

It is further object of the invention to a real-time electronic commerce method and apparatus in which means and method capable of using cash remaining in a bank account as means of compensation that is necessary for all commerce are provided, and which is contrasted with different settlement means (including electronic money) requesting a role of cash as a legal money in aspects of cost, and which has the payment capability faster than real cash and capable of taking precedence over time and space. To accomplish the aforementioned objects of the present invention, according to one aspect of the present invention, there is provided an apparatus which allows a purchaser to carry out a real-time electronic commerce using an electronic banking system which provides an electronic inquiry service and an electronic money transfer service. The apparatus includes a device for creating a money transfer administration code moving in combination with a purchaser' s product order application content . A commerce agreement routine is established under a condition in which the purchaser necessarily uses the money transfer administration code created by the device upon the electronic banking transfer for executing the contract . The systemprovides a driving routine of the electronic banking system of the bank only to the purchaser who passes the commerce agreement routine. The electronic banking transfer that is necessary for the purchaser to execute the contract is carried out only when the purchaser directly ^'accesses to the electronic banking system of the corresponding bank. Thereby, there is originally prevented a possibility in which information on the purchaser' s payment means is exposed to the server of the electronic commerce company. While the purchaser carries out the electronic banking transfer, the server system of the electronic commerce company creates a deposit administration DB that is necessary for confirming whether or not the purchaser executes the contract, and at the same time it carries out a real-time electronic financial inquiry from a bank selected by the purchaser, stores the inquiry result, and creates a separate inquiry administration DB. After that, the server system of the electronic commerce company compares the content of the deposit administration DB with that of the inquiry administration DB based on the transfer administration code to thereby determine in real time whether or not the purchaser carries out the payment. Thus, the purchaser's payment is closed in real time without any exposure on information of the purchaser' s payment means. (Real-time confirming device of payment)

Also, according to another aspect of the present invention, in the execution of the aforementioned commerce contract, the present invention designs the device in which obligation process of the electronic commerce company to the customer is automatically carried out starting from transmitting the purchaser's contract execution fact confirmed by the above process to the banking on-line corner. According to the design, progressive circumstances every step related with the delivery are registered in real time at the deliver on-line corner on the server moving in combination with the PC of the product supplier and the PC of the product delivery agent, and thereby all the related parties including the purchaser can grasp the delivery progress circumstances in real time. (Real-time confirming device of delivery progress circumstance) Further, according to further characterization of the present invention, there is provided a real-time electronic commerce including the step of concluding a contract with the purchaser, the step of confirming the purchaser's contract execution or the electronic commerce company's contract execution, the step of meeting the electronic commerce company's debt to customers, and the step of meeting the electronic commerce company' s debt to the product supplier and the product delivery agent. Here, only if the contract execution is confirmed every step, a next step can be carried out to thereby perform the real-time confirmation ending process of the contract deal. (Real-time confirmation device of contract deal)

Furthermore, according to furtheranotheraspect of the present invention, there is provided a method for closing commercial deals between related financial parties requested in an electronic commerce. In the above method, it is systematically limited that the financial parties themselves directly inquire and transfer cash in a bank using an electronic banking system. Thereby, enormous cost payments that are essentially followed by using other credit payment means are removed, and at the same time limitations of other non-cashmoneys as payment media on time and space are simply resolved through an electronic payment method called ultra speed movement of cash moneys in banks .

Hereinafter, there are detailed descriptions of the preferred embodiments of the present invention with reference to the accompanying drawings . Although figures are different from each other, like elements are designatedby identical reference numerals . It should be understood, however, that the embodiments are designed for the purpose of illustration only and not as a definition of the limits of the invention, and the scope of the invention is defined by the appended claims .

Brief Description of the Drawings

FIG.1 is a schematic view of a system for closing a commercial deal between an electronic commerce company and a purchaser in a conventional electronic commerce system;

FIG. 2 is a schematic view of a real-time electronic commerce system in accordance with one preferred embodiment of the present invention; FIG .3 is a schematic view of a server of an electronic commerce company in accordance with one preferred embodiment of the present invention;

FIG. 4 is a schematic view of a purchaser PC in accordance with one preferred embodiment of the present invention; FIG. 5 is a view for describing an electronic inquiry service and an electronic money transfer service of an electronic banking system used in the present invention;

FIG.6 is a flow chart of a real-time electronic commerce method in accordance with the present invention; FIG.7 is a flowchart showing a process routine of an expression of the purchaser' s purchasing intentions in the process routine of the real-time electronic commerce system shown in FIG. 6;

FIG .8 is a flow chart showing a process routine of an expression of the purchaser's agreement intentions in the process routine of the real-time electronic commerce system shown in FIG. 6;

FIG. 9 is a flow chart showing a process routine of the purchaser's contract execution in the process routine of the real-time electronic commerce system shown in FIG. 6;

FIG.10 is a flow chart showing aprocess routine for confirming the purchaser's contract execution in the process routine of the real-time electronic commerce system shown in FIG. 6;

FIG.11 is a flo chart showingaprocess routine of an electronic commerce company's debt execution for a purchasing customer in the process routine of the real-time electronic commerce system shown in FIG. 6;

FIG.12 is a flo chart showingaprocess routine ofan electronic commerce company' s variously related obligation in the process routine of the real-time electronic commerce system shown in FIG. 6; FIG. 13 is a view for describing a procedure of the real-time electronic commerce in accordance with one preferred embodiment of the present invention; and

FIG. 14 is a view for describing a procedure of the real-time electronic commerce in accordance with another preferred embodiment of the present invention. Embodiments

FIG. 2 is a schematic view of a real-time electronic commerce system in accordance with one preferred embodiment of the present invention. An electronic commerce company's server 120, a purchaser PC 113, a product supplier PC 204, a product delivery agent PC 206, and a bank computer server 128 are connected to each other via a telecommunication network 202, and they receive and transmit data. As the telecommunication network, a public network, a dedicated line, a cellular, a PCS (Personal communication system) , microwaves, satellite network, or the like can be used.

FIG.3 is a schematic view of a server of an electronic commerce company in accordance with one preferred embodiment of the present invention. As shown in FIG. 3, the server 120 includes a CPU 302, a password processor 304, a RAM 306, a ROM 307, an operating system 312, a network interface 314, and a data storage device 316.

A personal computer or a computer workstation having a sufficient memory capacitance and a processing capability can be used as the server 120. As the CPU 302, a Pentium microprocessor such as 100 MHz P54C made in Intel incorporation can be utilized. Also, 120 MHz PowerPC 604 made in Motorola Inc., and 166 MHz Ultra-SPARC-I made in Sun Microsystems Inc., can be used as the CPU 302.

MC68HC16 conventionally made in Motorola Inc., can be used as the password processor 304. The password processor 304 supports not only authentication on a communication from the purchaser, the bank, the product supplier, and the product delivery agent but an anonymous deal. The password processor 304 can be made as a part of the CPU 302. As another commercially available passwordprocessor, there are 33 MHz 6868 made in VLSI Technology Inc., and 40 MHz Roadrunner 284 made in Semaphore Communications Inc.

Further, in FIG. 3, as the data storage device 316, a hard disk, a CD-ROM driver, or a flash memory can be used. The data storage device 316 stores databases used for processing deals of the present invention, for instance, a product information database (DB) 318, a customer information DB 320, a company information DB 322, an order contract information DB 326, a purchaser deposit administration DB 328, a purchaser inquiry administration DB 330, a product distribution information DB 332, a delivery information DB 334, a delivery administration DB 336, and a settlement administration DB 338. To create and administrate these databases, database software such as Oracle7 made in Oracle Corporation can be utilized.

The product information DB 318 is a DB of general information about products displayed on the server, and is comprised of items including a product code, a company name, a product name, a market price, a supply price, a selling price, a supply quantity, a stock quantity, a sales quantity, a product details, a product photo, a product delivery condition, a delivery schedule, an address of product supply, a postal code of product supply address, a name of product distribution center, a contactable electronic mail address, a money payment condition, etc. A content of a part out of the above items is displayed on a screen of the server in a format ^'for the purchaser. It is general that this product information DB 318 is written and input by the electronic commerce company when a product supply contract is concluded with the product supplier. However, if there is an agreement, it is possible for the product supplier to input a part of the above items at on-line basis by the server connection. Meanwhile, it is general that the product delivery condition in the product information DB 318 is every time varied with kinds of products, stock quantity, and circumstances of the product distribution center. Accordingly, a concept of the invention about real-time delivery is meant by shortening a conventional product delivery time through the postal service from the product supplier to the purchaser to the highest degree. The time shortening degree depends on the stock quantity and managing operation of the product distribution center . Incaseof B2B (Business to business) commerce, since the product distribution center is directly managed, the delivery time generally does not exceed 24 hours since the order receipt. However, in case of B2C (Business to consumer) commerce, since the deviation largely depends on the region and traffic, it is difficult to standardize the time saving degree.

The constitutional items of customer information DB 320 varies with the type of the customers; i.e. in case of private individuals and companies. In case of private individual customers, the items are comprised of a personal ID, a password, an e-mail address, a resident registration number, a name, a living address, a postal code, a phone number, a wireless phone number, a job, an electronic banking method, and other specials . But in case of company customers, the items are comprised of a company ID, a password, a business registration number, a company name, a business address, a company postal code, a representative' s name of the company, a name of dealing bank, a business type code, a company phone number, a company FAX number, a wireless phone number, an e-mail address, a company's homepage, an electronic banking method, and other specials. Such a constitution of registration items reflects the characteristics of B2B and B2C pattern of electronic commerce. Information on the each item is obtained by the customer' s direct input of data needed for member registration or making orders through the customer's connection to the server.

The constitutional items of company information DB 322, that is made out when a contract is signed with a company on the process of preparing electronic commerce, is also different according to the type of the company, i.e., the product supplier or the product delivery agent. In case of the product supplier, the customer information DB 322 is comprised of items including a company's ID, password, electronic mail address, company code, business registration number, company name, company address, company postal code, name of the representative, resident registration number, money payment condition, name of the dealing bank, dealing account number, business type code, phone number, FAX number, homepage address, name of contact person, phone number of contact person, handheld phone number of contact person, electronic mail address of contact person, etc. In case of the product delivery agent, the company customer information DB 322 is comprised of items including the company's ID, password, electronic mail address, company code, business registration number, companyname, company address, postal code, name of the representative, resident registration number of the representative, money payment condition, name of the dealing bank, dealing account number, commission condition, phone number, FAX number, homepage address, delivery schedule of products, name of the distribution center, address of the distribution center, postal code of the distribution center, name of the contact person, phone number of the contact person, handheld phone number of the contact person, electronic mail address of the contact person, etc. It is a traditional practice that this company information DB 322 is inputted and made out by the electronic commerce company through cooperation with the agent company. However, there are cases that the agent company' s direct input of is allowed for a part of the items through the server connection.

The order administration DB 324 is a DB automatically created from the product information DB 318, the customer information DB 320, and the company information DB 322 by the server according to an ordering signal of the purchaser. The DB is necessary for quick response to the ordering signal of the purchaser and speedy manipulation of data concerned with order processing. The order administration DB 324 is comprised of items including an order date, an order time, an temporary order number, a customer's ID, an order product code, an order product name, a sellingprice (an order price) , an order quantity, a total order amount, a recipient's name, an address of the receiving place, a postal code of the receiving place, an order person's electronic mail address, a delivery schedule, a company code, a product supplier's ID, a supply price, a sales quantity (an order quantity), a stock quantity, a supplier's settlement condition, a name of the supplier's dealing bank, a supplier's account number, a phone number of the supplier, a FAX number of the supplier, a product delivery agent's ID, an address of the product supply place, a postal code of the product supply place, a name of the product distribution center, a address of the product distribution center, a postal code of the product distribution center, the delivery agent's commission condition, the delivery agent's settlement condition, a name of the delivery agent's dealing bank, the delivery agent's account number, the contact person' s name of the delivery agent, an electronic mail address of the product delivery agent, a contact phone number of the product delivery agent, a contact FAX number of the product delivery agent, etc. Among these, some of the data set such as the customer's ID, the ordering quantity, the recipient's name, the postal code of the receiving place and so on are created by direct data input of the ordering person; but others are automatically created by the server from the information databases 318, 320 and 322. The data items looks like to increase cumulatively as the order is generated, and a great volume of the data may be created. However, the data volume accumulated by increasing orders is not so much great as it looks, because the system is planned and designed to be administrated by the product code and the company code, the ordering person's new input of items are not greatly added to the database unless these codes are greatly increased. In most cases, the accumulating data items are nothing but the customer ID, the order product code, the company code, the order price, the order quantity, etc. The order administration DB 324 is characterized by the fact that as the order is being generated, the temporary order number based on the ordering persons is being created and converted into an order administration code by the server, and, when the order administration codes are converted into the money transfer administration code in combination with a total ordering amount, order administration code number, etc., the order administration codes created by ordering person cease to exist after creating the order contract information DB 326 by person and by company.

The order contract information DB 326, as noted above, is an order-related DB that is created for finalizing the conclusion and execution of contract as a result of order agreement process between the ordering person and the other parties concerned with the commercial deal, when the server stops creating more money transfer administration codes against the ordering person's deal from the order administration DB 324; and it consists of, within the server, a contract information DB by ordering person for confirmation of order details, conclusion of order agreement, and smooth execution of contract with the ordering person, a contract information DB byproduct supplier for smoothprovision ofproducts that is necessary for sooth execution of contract with the ordering person, and a contract information DBbyproduct delivery agent for smooth delivery of contract product that is necessary for smooth execution of the contract with the ordering person. As the contract information databases have different properties, so the constitutional items are much different. The order contract information DB 326 is characterized by the fact that data are automatically created and stored without an additional external data input. Reviewing the constitutional items of ^• the respective contract information databases in the named order, the contract information DBby ordering person is comprised of an order date, an order time, a customer's ID, an order product name, an order price, an order quantity, an order amount, a delivery schedule, a recipient's name, an address of the receiving place, a postal code of the receiving place, an electronic mail address, a phone number, a handheld phone number, a deal code (an order administration code) , a money transfer code (money transfer administration code) , etc. The contact information DB by product supplier is comprised of a date, a company's ID, a product code, a supply quantity (order quantity) , a total supply amount (supply price x order quantity) , an address of the product supplying place, a postal code of the product supplying place, a name of product distribution center under use, an address of the product distribution center, a postal code of product distribution center, a delivery schedule, a supply code (order administration code), a contact person' s name, an electronic mail address, a contact phone number, a contact handheld phone number, a contact FAX number, a deal settlement condition, a name of the dealing bank, an account number, etc. The contract information DB by product delivery agent is comprised of a date, a company's ID, a delivery code (order administration code) , a delivery unit, a delivery quantity, a delivery schedule, a contact person's name, an electronic mail address, a contact phone number, a contact handheld phone number, a company FAX number, amoney payment condition, a name of the dealing bank, a dealing account number, a commission condition, an address of product delivery place, a postal code of the product delivery place, a name of product distribution center under use, an address of the product distribution center, a postal code of the product distribution center, a recipient's name, an address of receiving place, a postal code of receiving place.

The purchaser deposit administration DB 328 is automatically created from the order contact information DB 326 by the server after the purchaser agrees to the money transfer, and is comprised of items including a contract date, a customer ID, a deposit account number, a transfer amount, a transfer code (transfer administration code) , etc.

The purchaser inquiry administration DB 330 is automatically created based on a deposit inquiry result by the server in order to confirm whether or not the customer^' executes the contract, and is comprised of items including a deposit date, a customer ID, a deposit account, a deposit amount, a transfer code (transfer administration code), etc.

In relation to the product delivery, the delivery units and the delivery quantities are varied according to the type of the products. And so the commission rate of the delivery agent also varies . To this end, the data items on delivery are formed on condition that they are directly filled in by the product delivery agent. In the real world, the contract on the settlement condition with the product supplier and the product delivery agent are concluded separately and it is almost impossible to pay for the product and commission on real-time basis against every order. Therefore, it is desirable that the settlement conditions of the product supplier and the product delivery agent should be dealt separately with the settlement condition of the purchasing customer. However, the real-time settlements among the parties concerned with the commercial deal are possible in the case that the server system of a electronic commerce company supports real-time money transferring among the contract parties through bank accounts, as shown in this invention. To this end, the dealing banks and accounts of the product supplier, and the product delivery agent are included as one of the constitutional items of this invention in addition to the banks accounts of the purchaser and the electronic commerce company. In practice, it does not matter whether a real electronic commerce company opens additional dealing accounts to pay for deals with the product supplier and the product delivery agent in the bank, transfers money into the additional accounts, and pays money for the product and commission from the opened accounts at the settlement request of the product supplier and the product delivery agent or not.

The product distribution information DB 332 is a DB that is made by a separate input for the effective product distribution, and is comprised of items including a product distribution center' s name, a product distribution center's address, a warehouse information, a carrying means, a carrying time, a packaging way, a product code, a storage amount in warehouse, a delivery quantity from warehouse, a stock quantity, a contact person's name, a electronic mail address, a contact phone number, a contact handheld phone number, a contact FAX number, etc. This product distribution information DB 334 is characterized in that the delivery administration DB 336 is created as a temporary DB device for the effective delivery administration, and items of the created delivery administration DB 336 are. extinguished at the moment that it is confirmed that the delivery completion step is ended. The delivery administration DB 336 is aDB that is automatically created by the server for the obligation of the electronic commerce companyafter the server confirms whether or not the customer executes a contract through a content comparison of the purchaser deposit administration DB 328 and the purchaser inquiry administration DB 330, and is comprised of items including a contract date, a delivery instruction date, a customer ID, a product code, a product amount, a product supplier code, an address for the product delivery, a product delivery agent code, a used product distribution center's name, a recipient' s name, an address of the receivingplace, a contact person's name, a electronic mail address, a contact phone number, a contact handheld phone number, a contact FAX number, a delivery instruction step, a supplier step, a delivery step, a delivery completion step, a settlement execution step, etc.

The settlement administration DB 338 is a DB that is automatically created based on a comparison result of the purchaser deposit administration DB 328 and the purchaser inquiry administration DB 330, and a result of the delivery administration DB 336 by the server address in order to confirm the ending treatment of the commercial deal in the commerce, and is comprised of items including a dealing date, a dealing breakdown, an administration code, a deposit amount, a paying amount, a comment in particular, etc.

The network interface 314 is a gateway communicating with the purchaser, the product supplier, the product delivery agent, and the bank through the purchaser PC 114, the product supplier PC 204, the product delivery agent PC 206, and the computer server 128 of the bank. The conventional internal and external modems serve as the network interface 314. In preferred embodiments, the network interface 314 is coupled with a commercial on-line service such as Internet and/or America On-Line, CompuServe, or Prodigy.

The aforementioned embodiment discloses that the server 120 consists of a single computer, but it is evident that multiple computers to those having skills in the art can process the functions of the server 120 separately. As one embodiment, the server 120 is made in a separate structure, and in this separate structure, the database and the processor are housing-treated in a separate device or position. These multiple computers are respectively connected to a hub or switch serving as a communication link. The foregoing structure provides a dynamic and variable system that is less sensitive to disorder such as disaster badly affecting on the whole system.

FIG. 4 is a schematic view of the purchaser PC in accordance with one preferred embodiment of the present invention . The purchaser PC 114 interfaces with the server 120 of the electronic commerce company and the computer server 128 of the bank that supports a banking supporting system. Instead of the PC, a PDA, a cellular phone, a PCS phone, a pager, etc., can be used.

In FIG. 4, there is shown the purchaser PC 114 including a CPU 402, RAM 406, ROM 408, an input device 409, a video driver 410, a video monitor 412, a clock 414, a communication port 416, a modem 418, a data storage device 422. A password processor 420 may be added to the purchaser PC 114 for the authentication.

A message DB 424 stored in the data storage device 422 is comprised of items including an order date and time, a product name, a price, a quantity, an dealing amount, a recipient' s name, an address of the receiving place, an electronic mail address, a contact phone number, a transfer code, etc.

The message DB 424 is automatically created by the server 120 of the electronic commerce company, and is sent in an electronic mail or a web mail to the respective PCs, but may be shared through a constitution of a web page. Especially, in B2B commerce, it is an essential factor to share the DB through the web page format between the server 120, the product supplier PC 204, and the product delivery agent PC 206. The product supplier PC 204 and the product delivery agent PC 206 can be constituted identically with the purchaser PC 114. However, since the product supplier and the product delivery agent are different in their roles of the electronic commerce, they have a difference in the used DB items. In other words, the items of the DB used in the product supplier PC 204 are comprised of a dealing date, a product name, a supply price, a supply quantity, a supply amount, a supplyplace of the product, aproduct distribution center' s name, a delivery condition, a supply code (order administration code) , a contact person' s name, a electronic mail address, a contact phone number, a contact handheld phone number, a company FAX number, a dealing bank, an account, etc. The items of the DB used in the product delivery agent PC 206 are comprised of a delivery code (order administration code), a used product distribution center's name, an address of the product supply place, a delivery unit, a delivery quantity, a recipient's name, an address of the receiving place, a contact person's name, a electronic mail address, a contact phone number, a company FAX number, a dealing bank, an account, etc.

FIG. 5 is a view for describing an electronic inquiry service and electronicmoneytransfer service of an electronic banking system used in the present invention.

As the electronic banking system, there are an internet banking system which accesses to a packet network 520 through the PC 114 and carries out the electronic banking, and a PC banking system which accesses to a public network 646 and carries out the electronic banking. In addition to the above two types, there are a telebanking banking system which carries out the electronic banking using voice through a phone network, and a screen banking system which carries out the electronic banking simultaneously using both of character and voice . Here, there is described a constitution of the electronic banking system using a case of the PC alone as an example.

The internet banking system shown in FIG. 5a indicates an electronic banking service system of the bank for their customers, which allows the PC 114 of an internet banking member to access to the computer server 128 of the bank through the packet network 520, and to inquire a balance in a withdrawal account 536 of the member, or deposit and withdrawal breakdown, or to transfer the money from the withdrawal account 536 of the member to a deposit account 538 of another person. At this time, in order to decrease a danger followed by the contact with the customers, the bank is constituted to carry out the electronic banking under a very strict security system in which the bank endues a right of a login 530 to the computer server 128 of the bank and allows the inquiry, to only a member who is subject to a first screen procedure in which a connector logins to a separate authentication server 526 and the separate authentication server 526 confirms the identification of the connector, and a second screen procedure in which as the connector accesses to the corresponding bank, the bank receives an inherent certificate 528 of the corresponding bank from the separate authentication server 526. Also, in case of the money transfer, the connector is endowed an accessible right to the computer server 128 of the bank only when the connector inputs a security code 534 on a security card 532. Thus, the electronic banking system is constituted such that the money transfer is carried out under a strict security. In the meanwhile, the PC banking system shown in FIG. 5b indicates an electronic banking service supporting system of the bank for the customers, which allows only a PC banking member who is subject to a first screen procedure in which the member carries out a login 544 for an access to the public network 546 and, a second screen procedure in which the member carries out a login 530 for an access to the computer server 128 of the bank, to carry an inquire 516 of the withdrawal account 536 of the member, or a money transfer 518 to the deposit account 538 of another person like the internet banking system shown in FIG. 5a. Likewise, it is possible to carry out the money transfer only when the member inputs the security code 534 on the security card 532. The PC banking system has a disadvantage in that it has a screen procedure lower by one step than the Internet banking system, but it is still comprised of a strong security system. Here, it is needed to review the property of the electronic money transfer service supported by the Internet banking system or the PC banking system of the bank. The money transfer within the bank is meant by that the cash on deposit of a customer is moved along the account in the bank. If owners of accounts are different from each other, it is known that the money transfer is different in that payment of the cash is carried out within the bank but it is the same as the cash payment in the general town. In other words, it is concluded that if an action corresponding to the cash payment in the general town is changed into the account payment within the bank, the settlement is possible. To do so, it is necessary that both of the parties related should have the account. There was not yet the electronic commerce system reflecting on these advantages on the money transfer. It is the nonsense real state of affairs in which the real money (cash) is left and imaginary money is pursued in the electronic commerce . FIG.6 is a flow chart of a real-time electronic commerce method in accordance with the present invention, and it is the flow chart showing that on condition that the electronic commerce is driven using a real-time device, although multiples connectors access simultaneously, if the device is not stopped, the electronic commerce can be lasted in real time. If the real-time device is driven (600) , the purchaser accesses to the server of the electronic commerce company to start the electronic commerce (602) , carries out a procedure to select a desired one from displayed products and put the selected product in a shopping basket (604), makes a promise on the paying method for the product put in the shopping basket to the electronic commerce company in order to secure a possessive right on theproduct (606) , carries out an electronic banking transfer in which the transfer administration code is included from the purchaser's account to the electronic commerce company's account (608) , the electronic commerce company compares and confirms whether or not the purchaser has paid the cost through the purchaser deposit administration DB 328 and the purchaser inquiry administration DB 330 created from the electronic financial inquiry (610) , if it is determined that the purchaser has paid the price, the electronic commerce company meets the obligation (product delivery) of the electronic commerce company (612 and 614) , and the electronic commerce company ends the dealing with the purchaser (616) . The above flow shows that the commercial deal between the electronic commerce company and the purchaser, which starts from the connection of the purchaser can be treated in real time in the whole steps from the occurrence to the end.

In case that multiple purchasers access at the same time, respective purchasers repeat the aforementioned steps. However, this repeat is possible only when the electronic commerce company should lastingly purchase products to be provided to the purchasers, and execute a smooth settlement on the payment for the delivery company. FIG. 6 confirms that only when the related debt of the electronic commerce company is ended (614) together with the execution (612) of the debt to the customer, all of the commercial deal of the electronic commerce company can be ended, and it can be continued in real time if the system is not stopped (618) .

FIG .7 is a flow chart showing a process routine of an expression of the purchaser's purchasing intentions in the process routine of the real-time electronic commerce system shown in FIG. 6. In the process routine 604 of the expression of the purchaser's purchasing intensions, the purchaser retrieves products displayed on the web page (702) , carries out a login step (704) , selects a desired product (706) , submits an order application (708) , and the server 120 receives and processes this order (710) . If reviewing its detail steps, the order administration DB 322 is made based on the product information DB 318, the customer information DB 320, and the company information DB 322, and a code creating device within the system creates an order administration code (720) and a transfer administration code (722) moving in combination with the order administration code, thereby creating the order contract information DB 326. At this time, if the order is continued (726) , these steps are repeated, and if the order is ended, the order breakdown is output on the web page (728) and the ordering person confirms the output order breakdown (742) . In the output order breakdown 729, there are a date 730, an ID 732, a product name 734, a quantity 736, an amount 738, and a dealing code 740. If the output breakdown is not satisfactory, thepurchaser carries out a correction process routine 744, again outputs the breakdown, and can confirm the breakdown (752) . Since it is impossible to repeat this correction process routine indefinitely, the correction is limited to one, and if two times corrections are tried, the connection is closed

(754) . The correction process routine 745 is comprised of a quantity adjustment 746 and an addition of a product list 748. In FIG. 7, the order administration code 720 of the ordering person is named as a dealing code to the customer, as a supply code to the product supplier, andas a delivery code to theproduct delivery agent. This is because the order administration code is an inner administration code of the electronic commerce company and accordingly it is necessary to discriminate the order administration code from other names used in the commerce with other commerce parties . In real code numbers, the code numbers are bestowed considering consistency of dealing and discrimination of dealing parties. From the ordering person' s viewpoint, since the transfer administration code 722 of the electronic commerce company serves as the transfer code, although they are identical codes, different names are used for the convenience of discrimination of the main party.

FIG. 8 is a flow chart showing the process routine of the expression of the purchaser's agreement intentions in the process routine of the real-time electronic commerce system shown in FIG. 6. T he process routine of the expression of the purchaser' s agreement intentions is to limit a settlement means to the movement of cash in the bank, i.e., the electronic banking transfer, and allows the purchaser to necessarily select one of a transfer methods including an Internet banking 804, a PC banking 806, a telebanking 808, and a screen phone banking, thereby constituting the system in which a deal is never allowed to a connector not using the electronic banking. If the connector selects the transfer method, it is allowed to select a bank with which the connector wishes to deal, which is to induce the connector to select the money transfer through the connector' s dealing bank and thereby prevent a variation in the transfer amount. If the bank is selected, a transfer condition 814 ofthe electronic commerce company comprisedof a deposit account, a money transfer amount (total order amount) , and a client summary (transfer administration code) is output, and it is asked whether or not the purchaser agrees to this condition (818) . If the purchaser agrees to this condition, the current picture is converted into the electronic bankingpicture of a corresponding bank and is output, but if the purchaser does not agree to the condition, the deal is ended. FIG. 9 is a flow chart showing the process routine of the purchaser's contract execution in the process routine of the real-time electronic commerce system shown in FIG. 6. The process routine 608 of the purchaser's contract execution is a routine in which a connector who accepted the aforementioned condition in relation to FIG. 8 carries out a login 904 in the electronic banking system of the corresponding bank converted and output by the serve 120 of the electronic commerce company, performs a banking transfer, and ends the connection (922) . The banking transfer procedure 907 is carried out in the order of inputting the security code on the security card 532, inputting a transfer content including a withdrawal account, a bankbook password, a deposit account, a transfer amount, a client summary, and a transfer password, confirming the input content through a content 916 output from the computer server 128 of the bank (914) , instructing the transfer if the output content is normal, and outputting and confirming the result on the screen. As confirmation items 920 of the input content, a withdrawal amount, a remittance charge, and a receiver's address are added to the input content of the purchaser, and as confirmation items of the transfer result, an owner' s name of a withdrawal account, an owner name of a deposit account, a processing number of a corresponding bank, a processing date and time are added. At this time, the contents of the deposit account, the transfer amount, and the client summary are the same as those in the transfer condition 816 of FIG. 8. Thus, since the purchaser' s electronic settlementmethodusing the movement of the cash in the bank is strict in the security to a degree that cannot be comparedwith the conventional card settlement method, and it uses not the web server of the electronic commerce company but the computer server of the bank directly, information on the payment means is unable to be exposed or remained to the web server of the electronic commerce company. Further, since the present method does not pay the costs like the card, the customers can purchase the product at a cost lower than the purchase through card settlement by at least commission of 5% or more.

FIG. 10 is a flow chart showing the process routine for confirming the purchaser' s contract execution in the process routine of the real-time electronic commerce system shown in FIG. 6. The process routine 610 for confirming the purchaser's contract execution is constituted in the order of extracting a content necessary for the purchaser's credit administration from the order contract information DB 328 which is created by the order process routine of FIG. 7, passing a routine 1006 for carrying out an electronic banking inquiry process (or banking deposit inquiry process) to create thepurchaser deposit administration DB 238 (1102), determining whether or not the deposit is carried out through a routine 1034 comparing the contents of the two databases, transmitting the comparison result to a banking on-line corner 1004, and carrying out a next step for the order which the deposit has been confirmed. The electronic banking inquiry process routine is comprised of a content in which the electronic commerce company accesses to a corresponding bank, carries out login, executes a deposit inquiry process routine 1006, and ends the connection. The inquiry input content of the deposit inquiry process routine has an account, a bankbook password, an inquiry starting date, and an inquiry ending date, and accordingly a content output from the computer server of the bank is comprised of a current balance, a depositor's name

(electronic commerce company's name), deposit amount every date (transfer amount) , a summary (transfer administration code) , an inquiry date and time. Meanwhile, in order to enhance the effectiveness of the real-time inquiry, the web server independently adds a procedure for storing the output content, and adopts the storing procedure as data for creating the purchaser inquiry administration DB 330. The purchaser inquiry administration DB 330 has a content including a deposit account, a transfer code, a deposit amount, a deposit date, an inquiry date and time. As a result of the inquiry, it is comparedwhether or not the content of the purchaser deposit administration DB 1132 corresponds to that of the purchaser inquiry administration DB. If the content of the purchaser deposit administration DB 1132 corresponds to that of the purchaser inquiry administration DB, it is determined that the deposit has been carried while if they do not correspond from each other, it is determined that the deposit has not been completed. FIG.11 is a flowchart showing aprocess routine of anelectronic commerce company' s obligation for a purchasing customer in the process routine of the real-time electronic commerce system shown in FIG. 6. The electronic commerce company takes the debt to deliver the product on the contract starting from the time when the purchaser's deposit is confirmed. In this process routine 612, the electronic commerce company instructs a delivery to the product supplier and the product delivery agent (1102) . If the product supplier delivers the product to a product distribution center, the product delivery agent delivers the product from the product distribution center to the purchaser (1112) , receives a product receipt from the purchaser (1114) , and submits the product receipt to the electronic commerce company (1116) . The electronic commerce company confirms that the delivery has been completed through the receipt . However, this process routine is constituted such that it is possible to confirm the delivery in real time by managing a delivery on-line corner. In other words, the respective steps of until the time for the electronic commerce company to instruct the delivery, the time for the product delivery agent to deliver the product from the product distribution center to the purchaser, and the time a minute ago for the purchaser to receive the product and submit the receipt to the electronic commerce company, are constituted such that they are processed by an automatic transmission of a real-time registration requesting message by the server 120 upon the real-time registration and non-registration in the delivery on-line of the server 120 by the product supplier, the product delivery agent, and/or the purchaser.

In case of non-registration, the present invention is designed such that an execution of the next stage is impossible. So, if the product supplier or the product delivery agent does not register, the settlement of the payment is impossible, and accordingly it is unnecessary to worry about the non-registration.

A PC, a phone, a handheld phone, a facsimile machine, etc., enable the web server to transmit a message to press for the registration upon the non-registration, and processes the result in real time.

The aforementioned embodiment assumes that the product supplier transfers the ordering product to the product distribution center, and the product delivery agent delivers the transferred product to the purchaser, but it is evident that the present invention is not limited to such the assumption, and includes that the product supplier delivers the ordering product to the purchaser directly, or the product delivery agent delivers the ordering product to the purchaser directly without .an intervention of the product supplier. FIG.12 is a flowchart showing aprocess routine for avariously related electronic commerce company' s obligation in the process routine of the real-time electronic commerce system shown in FIG. 6. The process routine 614 for the variously related electronic commerce company's obligation is comprised of a content in which the electronic commerce company ends the obligation with the purchaser, but since the electronic commerce company does not solve other debt problems related to other electronic commerce parties, which are created during the obligation, it uses the electronic banking in order to solve such the problems. This routine is also constituted such that the electronic commerce company accesses to a corresponding dealing bank (1202) , carries out login (1204) , executes a banking transfer process routine 1206 to the product delivery company and the product supplier, and ends the connection. The banking transfer process routine 1206 is carried out by inputting the security code on the security card provided by the bank (1210) , inputting a transfer content 1216 including a withdrawal account, a bankbook password, a deposit account, a transfer amount, a client's summary, anda transferpassword (1214), confirming the input content from a content 1220 which is output from the computer server of the bank (1218) , if it is proved that the confirmation result is normal, instructing the transfer, requesting to output the transfer content in order to confirm the transfer result (1222) , and storing the output content in the server (1216) . Upon confirming the input content, the computer server of the bank outputs a content to which a withdrawal amount, a remittance charge, and a recipient's name are added, while upon confirming the transfer result, it outputs a content to which an owner' s name of the withdrawal account, an owner's name of the deposit account, a process number of the corresponding bank, and a processing date and time are added, to thereby minimize a danger of the electronic payment within the bank. At this time, since the dealing account of the product delivery agent is different from that of the product supplier, two times of transfers should be carried out. Except such the fact, the basic transfer routine for the remainder is the same as that of FIG. 9. After an essential execution of this procedure, all commercial deals relatedto the electronic commerce of the electronic commerce company are really ended.

Hereinafter, operation of the real-time electronic commerce system is described with reference to the accompanying drawings of FIGS. 13 and 14. Regardless of the purchaser's types, i.e., individual or company, if the purchaser who has acquired the membership of the PC banking accesses to the server managed by the electronic commerce company through the purchaser' s PC 114 , explores

(702) the products displayed (1304) on the web page, carries out login (704) in order topurchase a desiredproduct out of the displayed products, selects (706) the desired product, and submits the order application (708) , an inner order processing system 1314 of the server 120 creates the order administration DB (Order Admin. DB) 324 based on the product information DB (Product I. DB) 318, the customer information DB (Custom. I. DB) 320, the company information (Company I. DB) 320 while a code creating device 1324 within the system creates an order administration code (O.A. code) 720 every order, allows the created order administration code 720 to move in combination with the order administration DB (Order Admin. DB) 324, and creates a transfer administration code (T.A. code) 722 based on the order administration code 720, stores the created transfer administration code 722 in the order contract information DB (O.C.I.DB) 326 every ordering person 1334 and company 1336, and fills in the order application (O. Sheet) 1337. At this time, if the purchaser continues to submit the order application, these steps are repeated while if the purchaser ends to submit the order application (1340), an ordering breakdown of the purchaser is output on the web page (Output O.B. ) (728) . If the ordering person confirms the ordering breakdown (Confirm O.B . ) (742), a picture for selecting one of the banking transfer methods (Select T.M.) (802) and picture for selecting one of the dealing banks of the connector (Select bank) (812) are consecutively outputted. If the ordering person selects one out of the outputted dealing banks, the transfer administration code (T.A. Code) 722, the total transfer amount, and the deposit account of the corresponding bank of the electronic commerce company are outputted on a screen as a transfer condition (Output T.C) (814), and it is asked whether or not the ordering person agrees to the transfer condition. If the ordering person transmits a signal to agree to the transfer condition (Agreed) (818) , the server 120 registers the fact that the contract is concluded at the banking on-line corner on the web page 570, invokes operation of a delivery administration process (D.A.P.) 1372 and a credit administrationprocess (C.A. process) 1358, at the same time converts the current picture into a picture of the PC banking selected by the purchaser, and outputs the converted picture, thereby ending the communication with the connector. Then, the purchaser directly accesses to the public network 546 of the output corresponding bank, input the code number 534 on the security card 532, executes the PC banking transfer including the transfer administration code according to a promise with the electronic commerce company, and transfers the money from the purchaser' s account 1354 to a designated account 1356 of the electronic commerce company (E.C.C).

In the meanwhile, the server of the electronic commerce company creates the purchaser deposit administration DB (C.A. DB) 328 such that the credit administration is possible during the purchaser' s PC banking transfer, and at the same time executes a banking inquiry (B.I.) 1362 to the corresponding bank to store the inquiry result, creates the purchaser inquiry administration DB (I.A. DB) 330 based on the inquiry result, compares the created purchaser inquiry administration DB (I. A. DB) 330 with the purchaser credit administration DB (C.A. DB) 328, and determines whether or not the purchaser executes the contract from the comparing result.

The key point out of the comparing items is whether or not the transfer administration codes correspond, and the comparing result is registered at the banking on-line corner on the web page in real time.

If the purchaser's deposit is confirmed according to the purchaser's promise (1042), the deposit amount is transmitted to the settlement administration DB (Settlement Admin. DB) 338, and at the same time the server enters into an operation of a delivery processing system 1384.

The banking on-line corner is designed in a signal lamp having On/Off way to grasp a process circumstance of the purchasing contract in real time together with a delivery on-line corner described later . The delivery process system 1384 of the present invention starts from instructing (1102) a delivery by a delivery administration process (D.A.P.) 1372 operated simultaneously with thepurchaser' s agreement 818 on thebasis of the delivery information DB (D.I. DB) 334 that is automatically created from the order contract information DB (O.C.I. DB) 326 and the product distribution information DB (P.D.I. DB) 332. In other words, the server 120 instructs the PC 204 of the product supplier 1108 and the PC 206 of the product delivery agent 1106 on the product delivery through an e-mail, and at the same time creates the delivery administration DB (Delivery A. DB) 336 and registers the content of the created delivery administration DB 336 at the delivery on-line corner 1380 on the web page .

To the product supplier is transmitted a content that requests theproduct supplier to transfer aproduct to theproductdistribution center 1110 in accordance with an annexed order application 1337, and to register the transfer result at the delivery on-line corner 1380. To the product delivery agent is transmitted a content that requests to undertake the product from the product distribution center 1110, deliver the product to the purchaser, register the deliver and the deliver result at the delivery on-line corner 1380, and confirm the delivery and the delivery result.

The delivery on-line corner 1380 on the web page is designed in a server-client system structure in which the PC of the product supplier moves in combination with the PC of the product delivery agent with the center of the server. A registration content of the delivery on-line corner is designed such that the server confirms the registration content with a constant time difference, and if it is not registered, the server automatically transmits a separate message pressing its execution to the product supplier and/or the product deliver agent . As an automaticmessaging andreturning system applied thereto, all of a PC, a phone, a facsimile machine, a handheld phone, etc., can be used.

The product delivery is varied at any time depending on the type of product, the stockquantity, theproduct distribution center, the traffic circumstance, etc. To this end, for the effective real-time delivery process, the present invention defines the formation of the real-time commerce by the following way in which the product delivery agent promises the collecting place of the products (product distribution center) , the stock quantity, the delivery time, the real-time confirmation procedure and method of when the delivery is not executed, etc., according to the promise content to the product supplier in advance, the purchaser confirms conditions about the real-time product delivery and the confirmation methodwhen the deliveryis not executedwhile thepurchaser retrieves the products, and the purchaser accepts the conditions upon the agreement. The delivery region of the product delivery agent, the delivery quantity, the delivery time, and the delivery schedule make a decisive role in the product delivery. Also, the delivery schedule is varied with the purchaser's contract timing and the product type. Accordingly, the present invention makes it a rule to check the delivery progressive circumstance one hour ago prior to the start of the next delivery schedule from the delivery schedule fixed at the time of the agreement with the purchaser, and uses that this rule is included in the contract condition of the product. If it is confirmed on the delivery on-line that the delivery agent has completed the delivery (1118) , the server 120 registers such the fact at the delivery administration DB 336, and operates a banking transfer system 1392 to meet obligations to the product supplier and the product delivery agent. If the banking transfer system 1392 is operated, the electronic commerce company accesses to the computer server 128 of the bank, and transfers money from a withdrawal administration account 1395 of the electronic commerce company to a dealing account 1396 of the product supplier and a dealing account 1397 of the product delivery agent through a code input 523 on the security card 532, so that all of the dealing relations are ended.

At this time, it is desirous that the electronic commerce company administrates the credit administration account and the withdrawal administration account separately for the convenience of the administration, and it is more effective that a transfer between both accounts is carried out only if necessary depending on a signal for the settlement administration DB 338.

The electronic commerce method and apparatus in accordance with the present invention has advantages in which all settlement means are unified as cash in banks, and all commercial deals are closed in real time by a method transferring the money within accounts of the banks in real time.

Also, unlike other electronic commerce systems, since there is no need for the purchaser to expose the information of the purchaser's and there is no a separate cost to acquire the cash payment means, a cost lowering effect is generated. Further, if the purchaser can access to the server, there is provided a convenience in which the purchaser can carries out a necessary transaction (whether the transaction is cash or finance) if necessary, regardless of place or time, without visiting the bank using the purchaser' s retaining electronic media (PC, phone, handheld phone, etc. ) .

Accordingly, since the electronic commerce system of the present invention provides method and means capable of using the cash without the cash, there are generated effects that remarkably magnify a circulation speed of the supplies through acceleration of transactions, and enormously save the social costs followed by the transactions.

FIG. 14 is a view for describing whole procedures of the real-time electronic commerce in accordance with another preferred embodiment of the present invention in case that the server 120 of the electronic commerce company is comprised of a web server. Although the server 120 of the electronic commerce company is comprised of the web server, its operation is the same as that

>. described in relation to FIG. 13. However, since a network used in the case of FIG. 14, is not the public network but the Internet network, its- speed is much faster and multiple connections are possible, so that there are provided advantages in which width for realizing the real-time commerce is greatly widened and it is very easy to realize the real-time commerce.

However, this case has a limitation in which a separate authentication procedure should be necessarily carried out. Also, the public network requests merely to pass the public network login procedure and the bank login procedure upon the banking inquiry and transfer, but the Internet network essentially requests to attach a separate certificate 528 from the authentication server 526 in order for the banking inquiry 516 and the banking transfer 518 to be possible. To this end, this case has a further advantage in which the security is very thorough. Furthermore, since there is prepared a separate trouble notification corner, an opposition raising corner or the like at the banking on-line corner 770 and the delivery on-line corner 1380, there is an advantage in which a distance from the customer is shortened. Since it is possible to fabricate the web page in more various constitutions, there is a possibility in that its processing width is very widened and largely magnified compared with the PC banking.

Naturally, since the PC banking uses the public network, it is easy to access to it while the packet network has a disadvantage in that its cost is expensive. However, with an advance in the telecommunications technologies, it will be enabled to magnify the number of the basic users with ease . Moreover, due to the enhancement in value creation power in B2B requesting massive data transmission, its cost is much lowered and thereby the electronic commerce using the Internet banking will be settled down in a generalized form.

Industrial Applicability

According to the present invention, there are various effects in which a danger on exposure of the related commerce parties' payment means information is cleared, a cost payment requested to acquire cash is no needed, inconvenience and limitations of time and space related to the payment followedby the commerce are removed. Further, there is an effect in which payment on all commerce using the present invention has the same effect as the cash (legal money) payment. Moreover, since all commercial deals between the related electronic commerce parties are closed in real time, there is an effect contributing to the reliability enhancement and activation of the electronic commerce.

Claims

1. A real-time electronic commerce method using a computer and an electronic banking systemwhichprovides an electronic inquiry service and an electronic money transfer service, the method comprising: a first step of receiving an order input of a product from a purchaser: a second step of generating an order administration code indicative of the order input, and outputting a breakdown of the order input to the purchaser; a third step of receiving an input information of particularly designating the electronic banking system selected by the purchaser such that a money for the product is paid through the electronic money transfer service; and a fourth step of confirming using the electronic inquiry service of the electronic banking system whether or not the purchaser has transferred the money for the product.

2. The method of claim 1, wherein the second step comprises the steps of: creating the order administration code according to the order input ; creating a transfer administration code moving in combination with the order administration code; and creating the order administration code corresponding to a new order if the order input of the purchaser continues, repeating to renew the transfer administration code, andoutputting the breakdown of the order input if the order input is completed.

3. The method of claim 2, further comprising a step of correcting the breakdown of the order input.

4. The method of claim 1, wherein the third step comprises receiving one information selected from a money transfer method group consisting of an internet banking, a PC banking, a telebanking, and a screen phone banking.

5. The method of claim 4, further comprising a step of receiving a name of a dealing bank from the purchaser.

6. The method of claim 5, further comprising outputting a money transfer condition to the purchaser, the money transfer condition comprising an account number for deposition, a transfer amount, and the transfer administration code.

7. The method of claim 6, further comprising the steps of: outputting to the purchaser an information asking whether or not the purchaser agrees to the money transfer condition; and if the purchaser agrees to the money transfer condition, allowing a picture of the electronic banking system to be displayed on a screen of the purchaser, and if the purchaser does not agree to the money transfer condition, ending a procedure on the order.

8. The method of claim 2 , wherein the fourth step comprises the steps of: creating a purchaser' s deposition administration database that is administrated by the money transfer administration code from an order contract information database; creating a purchaser inquiry administration database which is administrated by themoney transfer administration code according to the electronic money transfer service of the electronic banking system; and comparing the purchaser' s deposition administration database with the purchaser inquiry administration database using the money transfer administration code to determine whether or not the purchaser has transferred money.

9. The method of claim 1, wherein the computer is provided with a display device, further comprising a step of displaying a money transfer result on the display device of the computer if the electronic money transfer by the purchaser is confirmed.

10. The method of claim 1, further comprising the steps of : if the electronicmoney transfer by the purchaser is confirmed, outputting a delivery instruction to a product supplier and a product delivery agent; receiving an input of information informing that the product supplier has transferred a product to a product distribution center; receiving an input of an information informing that the product delivery agent has delivered the product to the purchaser from the product distribution center; and receiving an input of an information informing that the purchaser has received the product, wherein the outputting step of the delivery instruction, the receiving step of the product transfer information input, the receiving step of the product delivery information input, and the receiving step of the product receiving information input are sequentially performed.

11. The method of claim 10, wherein the receiving step of the product transfer information input comprises the step of: if the delivery instruction is output but the product transfer information from the product supplier is not input for a selected period, outputting to the product supplier an information requesting an input of the product transfer information.

12. The method of claim 11, wherein the receiving step of the product delivery information input comprises the step of: if the product movement information is received from the product supplier but the product delivery information is not input from the product delivery agent for a selected period, outputting an information requesting an input of the product transfer information to the product delivery agent.

13. The method of claim 12 , the receiving step of the product receiving information input comprises the step of: if the product delivery information is received from the product delivery agent but the product receiving information is not input from the purchaser for a selected period, outputting information requesting an input of the product receiving information to the purchaser.

14. The method of claim 10, wherein the computer is provided with a display device, if the outputting step of the delivery instruction, the receiving step of the product transfer information input, the receiving step of the product delivery information input, and the ^"receiving step of the product receiving information input are respectively performed, further comprising a step of displaying on the display device results on the outputting step of the delivery instruction, the receiving step of the product transfer information input, the receiving step of the product delivery information input, and the receiving step of the product receiving information input.

15. The method of claim 10, after the receiving step of the product receiving information input is performed, paying money for the product supply and the product delivery to the product supplier and the product delivery agent using the electronic money transfer service of the electronic banking system.

16. The method of claim 1, further comprising the steps of: if the electronic money transfer by the purchaser is confirmed, outputting a delivery instruction to a product delivery agent; receiving an input of an information informing that the product delivery agent has delivered a product to the purchaser; and receiving an input of an information informing that the purchaser has received the product, wherein the outputting step of the delivery instruction, the receiving step of the product delivery information input, and the receiving step of the product receiving information input are sequentially performed.

17. The method of claim 1, further comprising the steps of: if the electronic money transfer by the purchaser is con irmed, outputting a delivery instruction to a product supplier; receiving an input of an information informing that the product supplier has delivered a product to the purchaser; and receiving an input of an information informing that the purchaser has received the product, wherein the outputting step of the delivery instruction, the receiving step of the product delivery information input, and the receiving step of the product receiving information input are sequentially performed.

18. An apparatus for implementing a real-time electronic commerce using an electronic banking system that provides an electronic inquiry service and an electronic money transfer service, the apparatus comprising: a storing unit; and a processor connected to the storing unit, wherein the storing unit creating a purchaser's deposition administration database which stores a program for controlling the processor, wherein the processor carries out: a first step of receiving an order input of a product from a purchaser: a second step of generating a money transfer code indicative of the order input, and outputting the generated money transfer corle to the purchaser; a third step of receiving an input information of particularly designating the electronic banking system elected by the purchaser such that a money for the product is paid through the electronic money transfer service; and a fourth step of confirming using the electronic inquiry service of the electronic banking systemwhether or not the purchaser has transferred the money for the product.

19. The apparatus of claim 18, further comprising a display device, wherein the processor carries out a step of displaying money transfer result on the display device of the computer together with the program if the electronic money transfer by the purchaser is confirmed.

20. The apparatus of claim 18, wherein the processor carries out together with the program the steps of: if the electronic money transfer by the purchaser is confirmed, outputting a delivery instruction to a product delivery agent; receiving an input of an information informingthat the product supplier has transferred a product to a product distribution center; receiving an input of an information informing that the product delivery agent has delivered the product to the purchaser from the product distribution center; and receiving an input of an information informing that the purchaser has received the product, wherein the outputting step of the delivery instruction, the receiving step of the product transfer information input, the receiving step of the product delivery information input, and the receiving step of the product receiving information input are sequentially performed.

21. The apparatus of claim 18, further comprising a display device, wherein if the outputting step of the delivery instruction, the receiving step of the product transfer information input, the receiving step of the product delivery information input, and the receiving step of the product receiving information input are respectivelyperformed, theprocessor displays on the display device results on the outputting step of the delivery instruction, the receiving step of the product transfer information input, the receiving step of the product delivery information input, and the receiving step of the product receiving information input.