KR100629012B1 - Two-way TV and e-commerce system using it - Google Patents

Abstract

An electronic commerce system using an interactive TV according to the present invention includes an interactive TV having a function of purchasing and paying for commercial goods; When a purchase item is found while watching the interactive TV, each broadcasting company that forwards the purchase information and the personal information of the personal information for payment to the credit transaction authentication system through a communication network for approval or transmits the result of the request for approval. Wow; Each broadcasting company goes through the authentication process to verify their identity by comparing the personal information delivered to the internal customer DB with the personal information requested through the broadcasting companies, and the results approved by the credit card company credit system again. A credit transaction authentication system for transmitting to; It includes a credit card company credit system for approving whether the credit card payment is possible for the personal information authenticated from the credit authentication system, and purchase information such as payment amount / payment method and transmits the approved information to the credit transaction authentication system. Characterized in that the configuration.

Security Key, Interactive TV, Home Shopping

Description

A BI-DIRECTIONAL TELEVISION AND ELECTRONIC COMMERCIAL DEALING SYSTEM BY USING THE BI-DIRECTIONAL TELEVISION}

1 is a view showing a process of purchasing goods and payment through existing home shopping channels.

2 is a view showing the configuration of an electronic commerce system using a two-way TV according to the present invention.

3 is a block diagram showing a configuration of an interactive TV having a credit settlement function in an electronic commerce system of a commercial item according to the present invention.

4 is a flowchart illustrating a purchase / payment process of an electronic commerce system using an interactive TV according to the present invention.

5 is a flowchart illustrating a security authentication process of personal information in the credit transaction authentication system 50 in order to implement the functions of the present invention among the electronic commerce system using the interactive TV according to the present invention.

6 is a flowchart illustrating a credit settlement process in an electronic commerce system through an interactive TV according to the present invention.

<Description of Major Symbols in Drawing>

10: interactive TV 11: key input

12: personal information storage unit 13: Micom

14: RF transceiver 15: display unit

31: Home shopping company 32: Commercial agency

33: Broadcasting station 50: Credit transaction authentication system

60: credit card company credit system

The present invention relates to an electronic commerce system, and more particularly, to a two-way TV installed inside a storage device for storing personal information for performing e-commerce, and without a separate wired or wireless connection with a seller during home shopping / advertisement watching. The present invention relates to an electronic commerce system and a method using the interactive TV that can purchase an item currently being broadcast.

Due to the recent explosive growth of the Internet and the development of the media, not only the way of purchasing a product directly by a consumer in a store, but also a new way of purchasing a product while ordering on-line shopping or watching a home shopping channel using the Internet is greatly spreading. . In particular, the purchase of goods using the home shopping channel has greatly changed the purchasing pattern of the consumer according to the rapid increase in the home shopping channel, the diversification of the products sold in each home shopping channel, and the low price sales strategy.

Each home shopping channel spends about 15 to 20 minutes for each item in each time slot to deliver highly detailed product information to the consumer and actively introduces the product's performance and price competitiveness to encourage consumers to purchase. With the most stimulating strategy, sales are skyrocketing.

1 is a view showing a process of purchasing goods and payment through existing home shopping channels.

As shown in FIG. 1, the existing methods of purchasing and paying for goods through the home shopping channel up to now, when a consumer intends to purchase a broadcast in progress, directly call a home ordering company or a telephone of an agent connection. By following personal information (such as social security numbers for identification purposes) and credit information (part of credit card numbers and passwords), the company follows the structure of payment and purchase of goods.

In addition, it is possible to visit the home shopping company's site through the Internet in addition to the telephone connection to place an on-line order, but this also makes payment and purchase by inputting personal information and credit information on-line.

As such, the conventional method does not avoid the hassle of revealing a separate order of intention over the telephone or the Internet even if the consumer has a willingness to purchase.

In addition, there is a problem that personal information leakage may occur during the step of entering valuable personal information or credit information through the telephone or the Internet.

The present invention has been made to solve the above problems, the hassle of expressing the intention to purchase through a separate phone or the Internet when purchasing through the home shopping channel, and leakage of personal information and credit information that may occur in this process The present invention provides a two-way TV and an electronic commerce system using the same.

Another object of the present invention is to receive a TV via VOD (Video On Demand) service as well as a home shopping channel in the future, a two-way TV set that can purchase a desired item immediately without a separate telephone call or Internet connection with the seller during various commercials To provide a two-way TV and e-commerce system that can provide a payment service using.

Still another object of the present invention is a two-way TV to allow payment using a personal credit card, etc. without a separate telephone connection (ARS) during TV broadcasting for recruiting various funds (eg, helping victims, helping disadvantaged neighbors); An electronic commerce system using the same is provided.

The electronic commerce system using the interactive TV according to the present invention is a two-way TV having a function of purchasing and paying for a commercial item, and includes a key input unit for allowing a user to input personal information for purchase of a commercial item, and the key input. A microcomputer that checks the purchase intention and the personal information transmitted through the unit or receives the received personal information from each broadcasting company and displays a transaction approval result, and the individual that is input through the key input unit and transmitted through the microcomputer A personal information storage unit for storing information, an RF transceiver for allowing information to be exchanged with each broadcaster regarding a purchase intention transmitted through the microcomputer, and a transaction input from the key input unit or received from each broadcaster. An interactive TV configured with a display to display the approval results ; When a purchase item is found while watching the interactive TV, each broadcasting company that forwards the purchase information and the personal information of the personal information for payment to the credit transaction authentication system through a communication network for approval or transmits the result of the request for approval. Wow; Each broadcasting company goes through the authentication process to verify their identity by comparing the personal information delivered to the internal customer DB with the personal information requested through the broadcasting companies, and the results approved by the credit card company credit system again. A credit transaction authentication system for transmitting to; It includes a credit card company credit system for approving whether the credit card payment is possible for the personal information authenticated from the credit authentication system, and purchase information such as payment amount / payment method and transmits the approved information to the credit transaction authentication system. Characterized in that the configuration.

Interactive TV according to the present invention,

A key input unit for allowing a user to enter personal information for purchase of a commercial item;

A microcomputer that checks the purchase intention and the personal information transmitted through the key input unit or receives the received personal information from each broadcasting company and displays a transaction approval result;

A personal information storage unit for storing the personal information input through the key input unit and transmitted through the micom;

An RF transceiver for transmitting and receiving information to and from each broadcaster regarding a purchase intention transmitted through the microcomputer,

And a display unit for displaying a transaction approval result inputted from the key input unit or received from each broadcasting company.

In addition, the personal information storage unit is characterized in that it can store all or part of the payment approved details itself.

In addition, the credit transaction authentication system is characterized in that it has an Internet network connected to the outside to confirm that the identity through comparison with the personal information input from the user in advance.

E-commerce method using the interactive TV according to the present invention,

(a) a purchase / payment request step of requesting each broadcaster to purchase and pay for an item to be purchased through an interactive TV;

(b) transmitting personal information to a credit authentication system for personal information for approval of payment corresponding to the item requested for purchase / payment;

(c) a security authentication step of confirming the identity of the personal information for approval of the payment by comparing the transmitted personal information with the customer DB in the credit authentication system;

(d) a payment authorization request step for requesting a payment authorization request to the card billing company credit system together with the purchase information if the identity is verified through the secure authentication step;

(e) transmitting the payment authorization information for transmitting the payment authorization information to the credit transaction authentication system when the payment is authorized in the credit card company credit system;

(f) a payment check step of confirming whether or not the payment is received by transmitting the result of the payment approval request to each broadcasting company;

(g) a purchase item sending step of sending each purchase request item by the broadcasting company when the payment is approved in the payment confirmation step;

(h) when the purchase goods are sent, the payment approval result is fed back to the interactive TV, and the approval details are displayed.

It is characterized by comprising.

In addition, the security authentication step of (c),

The interactive TV user accessing the internet site of the credit authentication system and registering as a member;

When registering as a member of the Internet site, inputting unique information of the interactive TV owned by the user, credit card information for use for payment, personal information, etc .;

Inquiring / confirming the entered member information in each credit card company in a credit transaction verification system to determine whether or not the user can use the card.

If the user and the card can be used in the judgment, the step of registering / storing in the member DB after receiving a reply indicating whether the payment method can be registered

It is characterized in that it further comprises.

E-commerce method using an interactive TV according to the present invention,

Transmitting set information, security key, and payment information from each broadcasting company to the credit authentication system according to the purchase intention of the interactive TV user;

Extracting the security key from a member DB using the set information;

Comparing the extracted security key with a security key registered at the time of membership registration to confirm the payment order;

Determining the payment method and the payment method by extracting the credit card information from the member DB and transmitting the credit card information to the interactive TV again through each broadcasting company if the identity is confirmed in the above step;

 Confirming the payment method and payment method specified by the user with respect to the determined payment method and payment method, and then transmitting the authorization request information to the credit card company's credit system;

When the approval for the approval request information is completed, returning the approval result to the broadcasting company again;

The reply result is also transmitted to the interactive TV, characterized in that it comprises the step of confirming that the payment is completed and the payment history through the OSD.

Hereinafter, preferred embodiments of the present invention will be described in detail with reference to the accompanying drawings.

2 is a view showing the configuration of an electronic commerce system using a two-way TV according to the present invention.

As shown in FIG. 2, an electronic commerce system using an interactive TV according to the present invention includes an interactive TV 10 having a function of purchasing and paying for commercial goods; Upon finding the purchase item while watching the interactive TV 10, the personal information of the purchased purchase information and the personal information for payment is transferred back to the credit transaction authentication system 50 through a communication network to request an approval or the approval request. A broadcasting company 30 such as a home shopping company 31, an advertisement broadcasting company 32, a broadcasting station 33, and the like; The personal information requested for approval through each broadcasting company 30 is compared with the internal customer DB and the personal information transmitted to verify the identity of the user, and the credit card company credit system 60 is approved as a result. A credit transaction authentication system 50 which transmits the data back to each broadcasting company 30; Approving whether credit card payment is possible with respect to personal information authenticated from the credit transaction authentication system 50 and purchase information such as payment amount / payment method, and transmitting the approved information to the credit transaction authentication system 50. It is configured to include a credit card company credit system (60).

In addition, the home shopping company 31, the advertising broadcaster 32, the broadcasting station 33, and the like recognize the interactive TV 10, and the personal information transmitted through the interactive TV 10 and purchase / payment request details are various. It has a system for transmitting to the credit transaction authentication system 50 connected to the communication network.

In addition, the credit transaction authentication system 50 has a structure of making a credit card payment approval request to the various credit card company credit system 60 through the procedure of verifying the identity based on the transmitted personal information.

In addition, the credit transaction authentication system 50, the personal information of the interactive TV 10 transmitted through the various payment request companies (31, 32, 33) and the user in advance before using the payment function using the interactive TV (10) It has an internet network connected to the outside so that it can be verified through comparison with the entered personal information.

In addition, the credit transaction authentication system 50 has a member DB (51) for storing member information, and operates a site 51 so that owners of interactive TV 10 can easily access the Internet.

Here, the personal information includes personally identifiable information such as a social security number and credit information such as a bank, a credit card password, and an electronic commerce password (security key) of an interactive TV.

3 is a block diagram showing a configuration of an interactive TV having a credit settlement function in an electronic commerce system of a commercial item according to the present invention.

As shown in FIG. 3, the interactive TV 10 having a credit payment function according to the present invention includes a key input unit 11 that allows a user to input personal information for purchase / payment of a commercial item; The microcomputer 13 which confirms the purchase intention and the personal information transmitted through the key input unit 11 or receives the received personal information to each broadcasting company 30 (see FIG. 2) and displays the transaction approval result. A personal information storage unit 12 for storing the personal information input through the key input unit 11 and transmitted through the microcomputer 13, and a broadcasting intention for a purchase intention transmitted through the microcomputer 13; RF transmission and reception unit 14 for transmitting and receiving information with the company, and a display unit 15 for displaying the transaction approval result input from the key input unit 11 or received from each broadcasting company .

In addition, the interactive TV 10 according to the present invention has a unique ID (serial number) for each product, and the key input unit 11 is provided with various input buttons on a remote controller or a TV for purchase of commercial goods. The personal information storage unit 12 has various storage devices for storing the personal information input through various input buttons included in the remote controller or the TV, that is, a flash memory and a semiconductor IC.

In addition, the RF transceiver 14 has an interface such as a modem or a LAN card that can exchange information with an external communication network, and the display unit 15 may be implemented as an OSD or displayed through various other display means.

In addition, the personal information includes personally identifiable information such as a social security number and credit information such as a transaction bank, a credit card password, and an electronic commerce password (security key) of an interactive TV.

In addition, the present invention, as well as the payment function, the personal information storage unit 12 can store all or part of the payment approved details by itself, and has a function to retrieve the payment history for a certain time, You can calculate the total amount of payments on TV or check the payment history from time to time

Hereinafter, an electronic commerce process of a commercial item through an interactive TV will be described.

Looking at the purchase payment process of the electronic commerce system using the interactive TV according to the present invention.

4 is a flowchart illustrating a purchase / payment process of an electronic commerce system using an interactive TV according to the present invention.

As shown in FIG. 4, when a user watches a home shopping / advertisement / fund broadcasting through the interactive TV 10, and there is a purchase / donation company, the remote control or TV of the key input unit 11 is purchased or paid. When the button is pressed and such a purchase / payment signal of the commodity is received by the microcomputer 13, the personal information storage unit 12 stores personal information such as personal information and credit information of the individual.

Here, the personal information includes personally identifiable information such as a social security number and credit information such as a bank, a credit card password, and an electronic commerce password (security key) of an interactive TV.

Thereafter, the personal information stored in the personal information storage unit 12 and the unique ID of the TV itself and the product information currently being broadcast are sent to each broadcasting company through the modem / LAN card of the RF transceiver 14 to purchase and purchase the product. The payment request is made (S41).

Here, the product information may be given by the corresponding broadcaster according to the broadcasting schedule / time.

In particular, when ordering such a product, a security key input such as a personal password must be performed for security, and the actual payment request is sent to the broadcaster.

Each broadcasting company 30 receiving the purchase / payment request like this transmits the personal information of the purchased purchase information and personal information back to the credit transaction authentication system 50 through the communication network to request for approval (S42). The credit transaction authentication system 50 is subjected to a security authentication procedure to confirm that the identity by comparing the personal information transmitted with the customer DB inside (S43).

At this time, the authenticated personal information is sent back to the credit card system 60 of the credit card company with the purchase information such as payment amount / payment method (S44), and the payment approval information is returned (S44). S45).

The credit transaction authentication system 50 transmits the received payment approval information to each broadcaster 30 (S46), and each broadcaster 30 starts sending the purchase request item according to the approval (S47). The approval result is fed back to the corresponding interactive TV 10 of the consumer and the approval details are displayed (S48).

5 is a flowchart illustrating a security authentication process of personal information in the credit transaction authentication system 50 in order to implement the functions of the present invention among the electronic commerce system using the interactive TV according to the present invention.

As shown in FIG. 5, first, the user of the interactive TV 10 accesses the Internet site of the credit transaction authentication system 50 and registers as a member (S51).

When the interactive TV user registers as a member of the site, the unique information (serial number, etc.) of his or her own interactive TV, credit card information (card company, card name, card number, expiration date, transaction password, etc.) ), Personal information (resident registration number, password, etc.) is entered (S52).

When the above information is input, the credit transaction authentication system 50 checks / confirms the member's information with the respective credit card companies to determine whether the user and the card can be used (S53).

Here, if the user and the card can be used, it is registered or stored in the member DB by receiving a reply indicating whether the payment method can be registered (S54).

In particular, the password determined at the time of membership registration is used as a security key for identity verification when requesting payment through the TV.

However, if you are not or you can not use the card is displayed as an error and the security authentication registration process in the credit authentication system is terminated.

6 is a flowchart illustrating a credit settlement process in an electronic commerce system through an interactive TV according to the present invention.

Especially. FIG. 6 shows a procedure in which actual credit settlement is made when purchase / payment request information is transmitted to the credit transaction authentication system 50.

If there is a willingness to purchase a commercial item from an interactive TV user, the set information (TV ID), personal information (security key), and payment information (price) are transferred from each broadcasting company to the credit authentication system 50 according to the purchase intention. Is transmitted (S61).

Here, the personal information (security key) is extracted from the member DB using the TV set information (S62).

After extracting the personal information, the security key registered at the time of membership registration is compared with the input security key to check the payment order (S63).

After the identification is confirmed, the credit card information is extracted from the member DB, and the credit card information is transmitted to the interactive TV again through a broadcaster, and a reply request and reception method for determining a payment method and a payment method are performed (S64).

 That is, the user's approval of the payment method (payment card company, payment period, etc.).

Thereafter, after confirming the payment method with the card company designated by the user, the authorization request information is transmitted to the credit card company credit system (S65), and when the approval is completed, it is transmitted again to the broadcaster (S66).

The broadcasting company receives the approval result and prepares to send it out when purchasing the goods. In case of donation, the broadcasting company uses the payment amount as the donation amount.

At the same time, the result is sent to the user's TV, and the user confirms that the payment is completed through the OSD on the screen.

In addition, the user is provided with a function that can be stored in the personal information storage unit for a certain period of time for the approved payment, it is possible to calculate the total amount of payment through the TV later or check the payment history from time to time (S67).

As described above, the present invention, when consumers want to purchase while watching a home shopping channel or advertising channel at home, or when you want to donate during the programming broadcast of the broadcasting station for various funds, by operating the purchase button immediately Since the purchase or payment is made, it is possible to avoid the inconvenience of having to go through separate communication with the broadcaster (telephone, Internet).

In addition, since the results purchased / paid through the interactive TV is stored for a certain period of time through the personal information storage of the TV, consumers can manage their own purchase results, etc., without having to keep a separate transaction slip.

In addition, by providing a commercially available Internet site in the credit authentication system, the consumer can store a plurality of payment methods (various credit cards, prepaid cards, etc.), and the identity verification process is completed when the consumer requests a purchase. When the payment is possible, the display of the OSD (On Screen Display) through the microcomputer of the TV allows the consumer to directly select the payment method and payment method (one time payment, installment).

This is to separate the information input unit and the execution unit at the time of purchase in consideration of the cumbersome input of various data information, unless the TV uses a dedicated keyboard to satisfy the security and convenience at the same time.

In addition, if the delivery information is also requested through a plurality of Internet sites of the authentication system to change the delivery address as needed, it is possible to avoid the cumbersome delivery address input.

In particular, the credit transaction authentication system according to the present invention has a security system for verifying the identity of the member's security key and the specified TV at the same time, the identity authentication, high level to minimize the possibility of illegal purchases by others Can provide security.

That is, in the prior art, when purchasing a product in a home shopping channel or an advertising channel, a credit card number, personal information, and some passwords to be settled through an agent call or an ARS call must be entered. According to this, credit card payment can be made without exposing any important information about personal information.

Claims (7)

A key input unit for allowing a user to enter personal information for purchase of a commercial item; A microcomputer that checks the purchase intention and the personal information transmitted through the key input unit or receives the received personal information from each broadcasting company and displays a transaction approval result; A personal information storage unit for storing the personal information input through the key input unit and transmitted through the micom; An RF transceiver for transmitting and receiving information with each broadcasting company about a purchase intention transmitted through the microcomputer; And a display unit for displaying a transaction approval result inputted from the key input unit or received from each broadcaster. The method of claim 1, The personal information storage unit is a two-way TV, characterized in that the self-store all or part of the payment approved details.  An interactive TV having a function of purchasing and paying for a commercial item, comprising: a key input unit that allows a user to input personal information for purchase of a commercial item, a purchase intention transmitted through the key input unit, and the personal information; Or a microcomputer that displays the transaction approval result by receiving the received personal information from each broadcasting company, a personal information storage unit which stores the personal information input through the key input unit and transmitted through the microcomputer, and the microcomputer. RF transmitting and receiving unit for transmitting and receiving information with each broadcaster about the purchase intention transmitted through the, and a display unit for displaying the transaction approval result input from the key input unit or received from each broadcaster An interactive TV; When a purchase item is found while watching the interactive TV, each broadcasting company that forwards the purchase information and the personal information of the personal information for payment to the credit transaction authentication system through a communication network for approval or transmits the result of the request for approval. Wow; Each broadcasting company goes through the authentication process to verify their identity by comparing the personal information delivered to the internal customer DB with the personal information requested through the broadcasting companies, and the results approved by the credit card company credit system again. A credit transaction authentication system for transmitting to; It includes a credit card company credit system for approving whether the credit card payment is possible for the personal information authenticated from the credit authentication system, and purchase information such as payment amount / payment method and transmits the approved information to the credit transaction authentication system. Electronic commerce system using a two-way TV configured by. The method of claim 3, wherein The credit transaction authentication system is an electronic commerce system using a two-way TV, characterized in that it has an Internet network connected to the outside so as to confirm that the identity through comparison with the personal information input from the user in advance. delete delete delete

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