SAFE CASH PAYMENT BY ELECTRONIC DIRECT TRADING SYSTEM AND ITS CONTROL METHOD

摘要

PURPOSE: A cash payment electronic direct transaction system and a control method thereof are provided to safely perform payment without a payment agency by paying for a product with payment information provided by a purchaser and performing delivery approval authentication for paid deposited money. CONSTITUTION: A seller provides a virtual purchase account to a purchaser terminal (12) through a seller terminal (11) according to a product order of a purchaser. The seller deposits a balance through the virtual purchase account. When the purchaser deposits the balance, a financial company server (21) provides an authentication number for purchase approval to the purchaser terminal. When the product is delivered, the purchaser provides purchase approval information to the financial company server through the purchaser terminal. The financial company server approves the withdrawal of the balance. [Reference numerals] (11) Seller terminal; (12) Purchaser terminal; (13) Deliverer terminal; (21) Financial company server; (30) E-commerce account; (510) Order goods; (520) Provide a virtual account for a purchaser; (531) Input the virtual account for a purchaser; (532) Input an account for deposit refund; (533) Provide information about an account for deposit; (534) Approve deposit remittance; (535) Record to deposit money; (536) Notify the deposit of money; (540) Provide information about purchase approval; (551) Request delivery; (551a) Notify the completion of delivery; (552) Notify the completion of delivery; (561) Authenticate the approval of purchase; (571) Record the approval of withdrawal; (572) Notify the approval of withdrawal; (AA) Process of approval of deposit withdrawal by a purchaser