KR102022549B1 - Server and system for providing safe transaction service - Google Patents

Abstract

Disclosed is a method for providing a transaction protection service for a service including a plurality of processes performed by a transaction protection service providing apparatus. Transaction protection service providing method for the service comprising the steps of providing a user interface (hereinafter referred to as the 'UI') to the buyer terminal and supplier terminal; From Buyer Terminal and Supplier Terminal Receiving transaction details on a service generated through a UI; Comparing the transaction details with the deposit information received from the financial server; If the transaction details and the deposit information match, sending a deposit completion notification to the provider terminal; Transmitting a performance report for any one of a plurality of processes received from a supplier terminal to a purchaser terminal; Transmitting at least one process completion request received from the supplier terminal to the purchaser terminal; And in response to the at least one process completion request, when an approval is received from the purchaser terminal, requesting the financial server for the transfer to the supplier for the payment corresponding to the performed process. The transaction details include at least one of the number of the plurality of processes, the period during which the service is provided, and the total price.
This ensures transaction safety by protecting both buyers and suppliers in the transactions of unstructured services.

Description

Server and system for providing safe transaction service

The present invention relates to a method for providing a transaction protection service and a recording medium recording a program for controlling the same. The present invention relates to a method of providing a transaction protection service, and a recording medium recording a program controlling the same.

Recently, with the development of information and communication networks such as the Internet, a number of products and goods can be traded through a communication network, and the scale of electronic commerce through such a communication network is increasing.

Recently, various methods and techniques for protecting transactions in electronic commerce have been proposed. Among the related art, there is an escrow as a method of providing a transaction protection service in electronic commerce. Escrow is a method in which a third party between a supplier and a buyer relays or arbitrates a transaction to entrust the transaction to a third party, and then transfers the transaction to the supplier when it is confirmed that the goods have been delivered.

However, in the case of transactions for individualized services that are difficult to be formalized, such as interior services, the contents of the service provision process are different depending on mutual agreement. In addition, in the case of services that are provided in stages for a long time until the service is completed, such as construction, there has been a need for mutually reliable verification data and communication channels between suppliers and buyers. For example, the buyer has a fear that the service will not be as perfect as the buyer, and the supplier has a fear that the payment will not be made properly after the service is completed as the supplier.

Furthermore, when a dispute arises between a buyer and a supplier, it is difficult to reach an agreement because there are no standards and data that both the supplier and the buyer can accept, and there is a problem that the dispute must be finalized through litigation.

In case of mediation through mediators to resolve disputes, but without evidence enough to reach consensus in the process of providing the service, based on the data collected after the dispute, nobody can arbitrate. There is also a problem that is difficult to satisfy.

The present invention is to solve the above-mentioned problems, to protect the various types of service transactions between the buyer and the supplier, to prevent unnecessary disputes between the parties, and to provide a prompt and accurate evidence when the dispute occurs There is provided a recording medium that records how to provide transaction protection services for early resolution and the program that controls them.

In order to solve the above problems, according to an embodiment of the present invention, a transaction protection service providing method for a service including a plurality of processes performed by the transaction protection service providing apparatus, the user interface to the buyer terminal and supplier terminal (Hereinafter referred to as 'UI'); From the buyer terminal and the supplier terminal Receiving transaction details for the service generated through the UI; Comparing the transaction details with deposit information received from a financial server; Transmitting a deposit completion notification to the provider terminal if the transaction details and the deposit information match; Transmitting a performance report for any one of the plurality of processes received from the supplier terminal to the purchaser terminal; Transmitting at least one process completion request received from the supplier terminal to the purchaser terminal; And in response to the at least one process completion request, when the approval is received from the purchaser terminal, requesting the financial server to transfer the payment to the supplier corresponding to the performed process; The contents are provided with a transaction protection service providing method for a service including at least one of the number of the plurality of processes, the period during which the service is provided, and the total price. This ensures transaction safety by protecting both buyers and suppliers in the transactions of unstructured services.

The transaction details may include price information corresponding to each of the plurality of processes.

The performance report may include at least one of an image and a video of the site where the process is performed.

And sending feedback on the submitted report received from the buyer terminal to the supplier terminal.

Approving, rejecting or partially approving the performance process by analyzing the performance report and the feedback when the rejection of completion of the performance process is received from the purchaser terminal; And transmitting an analysis result to the purchaser terminal and the supplier terminal.

The UI may include a timeline including the plurality of processes.

When a request for correction of the timeline is received from one of the purchaser terminal and the supplier terminal, at least one attribute of the plurality of processes may be changed.

The user interface may include a plurality of transaction content templates preset to correspond to the types of services including the plurality of processes.

According to another embodiment of the present invention, there is provided a computer-readable recording medium having recorded thereon a program for executing a method for providing a transaction protection service for the service.

As described above, according to the present invention, there is provided a recording medium that records a transaction protection service providing method and a program controlling the transaction security is secured by protecting both the buyer and the supplier in the transaction of the unstructured service.

1 illustrates a transaction protection system according to an embodiment of the present invention.
2 shows an example in which a transaction protection system is provided.
3 illustrates main modules of a program installed in a server and a terminal device according to an exemplary embodiment of the present invention.
4 illustrates an example of setting transaction details using a UI according to an embodiment of the present invention.
5 illustrates an example of setting a property of a milestone using a UI according to an embodiment of the present invention.
6 illustrates examples of other various UIs according to an embodiment of the present invention.
7 shows a dashboard of ongoing services according to one embodiment of the invention.
8 illustrates a timeline according to an embodiment of the present invention.
9 is a view showing whether a request for completing a process is completed according to an embodiment of the present invention.
10 is a flowchart of a method of providing a transaction protection service according to an embodiment of the present invention.
11 illustrates examples of various UIs according to an embodiment of the present invention.
12 illustrates examples of various UIs according to an embodiment of the present invention.

Hereinafter, exemplary embodiments of the present invention will be described in detail with reference to the accompanying drawings. In the following description of the embodiments, reference is made to the accompanying drawings, in which the same reference numerals or numerals in the drawings denote components that perform substantially the same function.

If there is a term in the embodiment that includes an ordinal such as a first component, a second component, etc., these terms are used to describe various components, and the term distinguishes one component from other components. As used herein, these components are not limited in meaning by terms. The terms used in the embodiments are applied to describe the embodiments, and do not limit the spirit of the present invention.

The inventive idea described by the embodiments below can be applied to a system for protecting a service transaction made online.

1 illustrates a transaction protection system according to an embodiment of the present invention.

Another transaction protection system 1 according to an embodiment of the present invention may include a buyer terminal 100a, a supplier terminal 100b, a server 10, and a financial server 11.

The purchaser terminal 100a, the supplier terminal 100b, the server 10, and the financial server 11 may establish a system for performing data communication with each other through the communication network 101, Wifi, LTE, 3GPP, LAN, It can communicate with each other through various wired / wireless communication standards such as Ethernet. The communication network 101 includes not only a mobile communication network and the Internet, but also various services existing in the TCP / IP protocol and its upper layers, namely, Hyper Text Transfer Protocol (HTTP), Telnet, File Transfer Protocol (FTP), and Domain Name (DNS). It includes a global open network architecture that provides a Name System, Simple Mail Transfer Protocol (SMTP), Simple Network Management Protocol (SNMP), and Network File Service (NFS).

In addition to the base station (BS), the mobile telephone switching office (MTSO), and the home location register (HLR), the mobile communication network includes an access gateway and a PDSN (Packet) that enable transmission and reception of wireless packet data. Components such as a data serving node) may be further included.

The server 10 may be configured to transmit information stored in each terminal device 100 when a request or a specific event of the purchaser terminal 100a or the supplier terminal 100b occurs, and each terminal device 100 may also be a server. It may be configured to store the information stored in the server 10 in response to a request from (10) or a user's operation. The server 10 stores information about a buyer, a supplier, information about transaction contents received from each terminal device 100, and the like. The server 10 plays a pivotal role in a transaction protection service for protecting transactions of buyers and traders.

Information transmitted and received between the server 10 and the terminal device 100 includes a variety of data that does not limit the type of images, text, applications, and the like.

The server 10 is not limited as long as it is a device capable of exchanging transaction information through the communication network 101 and performing mediation of transactions. The server 10 may also serve as a platform for brokering transactions of various services.

The financial server 11 processes financial related information related to a transaction of a service. Ensure secure financial transactions between buyers and suppliers. The financial server 11 transmits the deposit information to the server 10 when the payment is received from the buyer's account. Furthermore, the financial server 11 partially pays the price to the account of the supplier according to the payment request of the server 10. The financial server 11 may transmit to the server 10 that the payment is completed.

The terminal device 100 including the purchaser terminal 100a and the supplier terminal 100b is an electronic device, but a smart phone is illustrated as an example, but is not limited thereto. The terminal device 100 may be implemented as any one of a PC, a PDA, a laptop, a TV, an electronic picture frame, a smart watch, and a wearable device. The terminal device 100 according to the present invention is not limited to the described example, and the present invention can be applied to various kinds of electronic devices configured to provide information to a user.

The terminal apparatuses 100 may include a communication unit for communicating with the server 10, a display for providing information transmitted from the server 10 to a user, an input receiver for receiving a user's command, and overall operation of the terminal apparatus 100. It may include at least one processor for controlling. In addition, the input receiver may include a touch screen for receiving a touch command of the user.

The specific implementation of the system 1, such as the number of the server 10, the financial server 11 and the terminal device 100, the communication method is not limited to the drawings and the above description. A plurality of servers 10 and a plurality of terminal devices 100 may communicate with each other, and may be implemented as a system for protecting a multilateral transaction according to an embodiment.

Hereinafter, an example in which a transaction protection system is provided will be described with reference to the accompanying drawings.

2 shows an example in which a transaction protection system is provided.

The transaction protection system is made between the buyer 200, the supplier 201, the broker 205 and the bank 203.

The buyer 200 communicates with the broker 205 using the buyer terminal 100a and may communicate with the provider 201 or directly through the broker 205. Furthermore, the buyer 200 may deposit the money from the buyer account into the account of the bank 203 designated by the broker 205. The supplier 201 also communicates with the intermediary 205 and the buyer 200 through the supplier terminal 100b. The bank 203 confirms the payment transferred from the buyer account and provides the deposit information to the broker 205. The bank 203 may transfer the money to the provider account according to the remittance request of the broker 205.

Although it is described that the intermediary 205 is the subject of the server 10 and the bank 203 is the subject of the financial server, in some embodiments, the intermediary 205 is the server 10 and the financial server 11. It may be a subject. For example, the broker 205 may own the server 10 and the financial server 11 at the same time. The server 10 and the financial server 11 may be configured to play a separate role in one server 10 that is not independent of each other. Further, the payment and payment of the payment may also be performed in the account of the broker 205.

Intermediate 205 receives a request from buyer 200 or supplier 201 to initiate a transaction. The intermediary 205 transmits a user interface (hereinafter referred to as 'UI') for setting up the transaction contents to each terminal device 100 in response to the request.

When the broker 205 receives the transaction details from one of the terminal devices 100 that have received the UI, the broker 205 stores the received transaction details and starts mediation of the service transaction between the buyer 200 and the supplier 201.

The intermediary 205 requests the purchaser 200 to transfer the entire payment according to the transaction details. At this time, the intermediary 205 may inform the buyer 200 of the account of the bank 203 for remitting the entire payment.

The purchaser 200 deposits the bank 203. The price may be deposited all at once or may be distributed several times in accordance with the agreement between the purchaser 200, the broker 205 and the supplier 201. For example, the purchaser 200 may deposit payments in the form of down payments, intermediate payments, and balances, and the intermediary 205 notifies the supplier 201 whenever a deposit is made. As another example, the purchaser 200 may deposit money to correspond to each of the plurality of processes. For example, the price corresponding to the first process may be deposited before the first process is performed, and the price corresponding to the second process may be deposited before the second process is performed. The bank 203 delivers the deposit information on the payment received from the buyer 200 to the broker 205. The intermediary 205 compares the deposit information with the transaction details and checks whether all the payments according to the transaction contents have been deposited. To this end, the server 10 compares the transaction details and the deposit information. The comparison process is automatically performed by the server 10, and if the deposit information and the transaction contents match, it can inform the supplier. As another example, the intermediary 205, which is a user of the server 10, may perform the comparison directly. The mediator 205 may operate the server 10 to notify the supplier 201 if the transaction details and the deposit information match.

As another example, the intermediary 205 may notify the supplier 201 even when some agreed amount of the total payment has been received. The deposit of the price can also be set as transaction details.

When the provider 201 receives the deposit completion notification from the intermediary 205, the provider 201 performs a service according to the set transaction details. The service may include a plurality of processes. According to an embodiment, the plurality of processes may be classified into a plurality of groups. Each of the plurality of groups includes at least one process, and when the execution of all processes included in each group is completed, the execution of the group is completed. Groups are also known as milestones.

The supplier 201 sends a performance report to the intermediary 205 when each process or each milestone is completed, or when a portion of the process or milestone is completed. The supplier 201 may periodically send a performance report to the intermediary 205 to inform the progress of the process. The intermediary 205 delivers the performance report to the buyer 200. The performance report may include an image of the site on which the process was performed, the content of the process, the materials used, the time periods and so on. The buyer 200 may leave feedback based on the performance report. The feedback provided by the purchaser 200 may, for example, request to provide an image from another angle of the site, or request correction of insufficient parts. The supplier 201 may make corrections or move on to the next process based on the feedback. The mediator 205 stores the performance report and feedback in the server 10. Performance report and feedback stored in the server 10 can be configured to be unable to modify in any situation. At this time, the stored performance report and feedback are stored in a history feed form, and may be evidence for resolving a dispute between the buyer 200 and the supplier 201.

When the performance of the group (or milestone) including each process or a plurality of processes is completed, the supplier 201 may request the purchaser 200 for approval through the server 10.

When the purchaser 200 approves the request of the provider 201 or the completion of the group including at least one process, the server 10 transmits the payment corresponding to the completed process or the group to the provider 201. You can ask at (11). The financial server 11 transmits the price to the provider 201 according to the request of the server 10. As another example, when the broker 205 confirms that the purchaser 200 has approved, the broker 205 may request the bank 203 to remit payment to the supplier 201 through the server 10 or by using another terminal device.

When all processes are completed, the transaction between the buyer 200 and the supplier 201 is completed. The server 10 may store the details of the transaction up to a predetermined period and delete it from the database after the predetermined period.

3 illustrates main modules of a program installed in a server and a terminal device according to an exemplary embodiment of the present invention.

The program installed in the server 10 according to an embodiment of the present invention includes a control module 300, a communication module 301, and a storage module 303. In addition, various modules will be required, but the illustration is omitted for modules not directly related to the present invention or conventionally employed in a typical application. In addition, since the data transmission / reception relations between the modules and the respective components in the server 10 are technologies for the main office, description and illustration thereof are omitted.

The control module 300 controls the overall operation of the server 10. In order to control the server 10, the server 10 includes at least one control program, a nonvolatile memory in which the control program is installed, a volatile memory in which at least a part of the installed control program is loaded, and a loaded control program. It may include a microprocessor or a central processing unit (CPU). The control program may include program (s) implemented in at least one of a BIOS, a device driver, an operating system, firmware, a platform, and an application (application). In one embodiment, the application program is pre-installed or stored in the server 10 at the time of manufacture of the server 10, or in the future use the server based on the data received by receiving the application data from outside 10 can be installed. The data of the application program may be downloaded to the server 10, for example, the application market.

The communication module 301 is a module for the server 10 to communicate with the outside. The communication module 301 communicates the server 10 with the supplier and the purchaser terminal 100a under the control of the control module 300, and transmits and receives data with each terminal device 100. Furthermore, when the server 10 and the financial server 11 are configured as separate servers, the server 10 and the financial server 11 are configured to transmit and receive necessary information with the financial server 11. As an example of data transmitted and received in the present embodiment, the transaction contents transmitted by any one of the terminal device 100, the UI generation information transmitted to any one of the deposit information terminal device 100 received from the financial server 11 The type of data transmitted and received is not limited to the above described example. As described above, the server 10 may include a connection for wired communication to communicate with an external device. The connection unit may transmit / receive signals / data according to standards of high definition multimedia interface (HDMI), HDMI-consumer electronics control (USB-CEC), USB, component, etc., and at least one corresponding to each standard The above connector or terminal is included. The server 10 may perform wired communication with a plurality of servers through a wired local area network (LAN). The server 10 may also include an RF circuit for transmitting and receiving radio frequency (RF) signals to perform wireless communication, and may include Wi-fi, Bluetooth, Zigbee, Ultra-Wide Band (UWM), and Wireless. It may be configured to perform one or more of USB, Near Field Communication (NFC).

The storage module 303 is a module for storing the information and data received by the communication module 301 from the outside. The server 10 may include a storage unit for storing various information and data. The storage unit should retain data even when the power supplied to the server 10 is cut off, and may be provided as a writable nonvolatile memory (Writable ROM) to reflect changes. That is, the storage unit may be provided as one of a flash memory, an EPROM, and an EEPROM.

The storage unit may also include a volatile memory that discards the recorded data when the server 10 is powered off. That is, the storage unit may include any one of DRAM or SRAM capable of writing and decoding information and having a very high read or write speed compared to nonvolatile memory.

The purchaser and supplier terminal devices 100a and 100b may include an input receiving module 305, a communication module 307, a display module 309, and a control module 311 for overall control of the terminal device 100. have.

The input receiving module 305 receives a user's command. As an example, when a user inputs a command by operating an input receiver of the terminal device 100, the user is configured to receive and transmit the received command to the control module 311. To this end, the terminal device 100 includes an input receiver for receiving a user input. The input receiver may be implemented in various forms according to the method of the user input. For example, a menu button installed outside the terminal device 100, a remote control signal receiver for receiving a remote control signal of a user input received from a remote controller, a touch input receiver for receiving a user's touch input, a camera for detecting a gesture input, It may be implemented as a microphone for recognizing a voice input, a communication unit for receiving a user input from an external device by communicating with an external device.

The touch sensing unit senses a touch to the display panel from a touch means such as a user's touch pen or a finger. The touch sensing unit may be provided on the front surface where the image of the display is displayed. The touch sensing unit includes a transparent electrode and a capacitance sensing circuit arranged in a matrix on the display panel. The touch sensing unit is a so-called GFF or G2 structure using a transparent electrode such as ITO, metal ash, or Ag nano wire, or a structure in which a conductive material is oriented using a substrate such as an opaque and flexible film as a flexible printed circuit board. It may be implemented in the form of), but is not limited to such a capacitive method.

The communication module 307 is configured such that the terminal device 100 communicates with an external device such as the server 10. The type of communication and the configuration required for communication are the same or similar to the configuration required for the server 10, and thus description thereof will be omitted.

The display module 309 allows the content to be displayed on the terminal device 100. As an example, the display module 309 may be configured to display a UI received through the server 10 on a display. The display displays an image based on the image signal processed by the signal processor of the terminal device 100. The display may include a touch sensing unit sensing a user's touch input and a display panel on which an image is displayed. The implementation manner of the display panel is not limited, and for example, liquid crystal, plasma, light-emitting diode, organic light-emitting diode, and surface conduction electron gun It can be implemented by various display methods such as conduction electron-emitter, carbon nano-tube, and nano-crystal.

When the display panel is a liquid crystal system, the display includes a liquid crystal display panel, a backlight unit for supplying light to the liquid crystal display panel, a panel driving substrate for driving the liquid crystal display panel, and the like. The display may be implemented as an OLED display panel, which is a self-light emitting device, without a backlight unit.

Hereinafter, a UI generated by the server 10 and displayed on the terminal device 100 or the like will be described with reference to the drawings. According to a request of any one of the terminal device 100, the server 10 may transmit the UI to the specific terminal device 100 by the terminal device 100 that has transmitted the request and / or the terminal device 100 that has transmitted the request. have. That is, the server 10 transmits the UI to the other one specified according to the request of any one of the supplier terminal 100b and the purchaser terminal 100a. The UI may be configured in a chat form. The server 10 may allow only the supplier 201, the buyer 200, and the intermediary 205 to access the UI. Upon receiving the UI from the server 10, the terminal device 100 provides the received UI according to a user's request or when receiving the UI from the server 10. The terminal device 100 generates data according to a user input received through the UI, and transmits the generated data to the server 10. The server 10 sets a transaction content or the like based on the received data, or relays a transaction by transmitting data to the counterpart terminal device 100.

4 illustrates an example of setting transaction details using a UI according to an embodiment of the present invention.

The transaction contents for the service may be set through agreement between the purchaser 200 and the supplier 201, or may be set by approving the other when one of the two sets and requests approval. The transaction details may include the number of processes in which the service is provided, the period during which the service is provided, the amount of service provided, and attributes for various other services.

The server 10 may transmit a UI including various items 400, 401, and 403 for setting transaction details to the buyer and / or supplier terminal 100b. The UI provided by the server 10 is not limited to the illustrated contents, and may be configured in various forms for setting transaction contents. For example, the UI may further include an item for inputting a special agreement or the like agreed between the purchaser 200 and the supplier 201.

The purchaser 200 or the supplier 201 may set a transaction content by manipulating a UI displayed on the terminal device 100, request an approval from the other party, and the agreed transaction content is transmitted to the server 10 according to the approval. .

The server 10 stores the transaction contents received from the purchaser terminal 100a or the supplier terminal 100b as agreed transaction contents. The server 10 may securely store the agreed transaction details so as not to be modified from the outside.

As another example, the server 10 may provide a transaction template that is commonly used by many buyers 200 and suppliers 201 as a template. The purchaser 200 and the supplier 201 may set the transaction contents of the service provision with minimal modifications in these templates. To this end, the server 10 may provide a template preferred by the users of the service based on the content type of the service provided by the provider 201. The server 10 may also store the transaction contents used by the supplier 201 or the buyer 200 in advance and provide them for use in the next transaction. In this case, personal information may not be stored or exposed to the other party.

5 illustrates an example of setting a property of a milestone using a UI according to an embodiment of the present invention.

The service may consist of a plurality of processes. In addition, the plurality of processes may be divided into a plurality of groups. Each group may include at least one process. As mentioned above, a group may be called a milestone.

When the supplier 201 completes the plurality of processes included in the first group, the first milestone is completed. When the supplier 201 completes a plurality of processes included in the n-th group, which is the last group, the n-th milestone is completed and the provision of the service is completed.

Reference numeral 500 shows an example of a UI for setting the attribute of the milestone. The attributes of a milestone may include the name of the milestone, a supplementary description to identify the milestone, the period during which the milestone is performed, the proportion of each milestone in total, and a plurality of processes included in each milestone. The attribute of the milestone is not limited to the illustrated example and the above description, but may be configured in various embodiments.

One of the parties may request the server 10 to set the milestone attribute to set the milestone attribute. The server 10 transmits a UI 500 for setting an attribute of each group or milestone as requested. The server 10 stores information on the attributes of the received milestones.

6, 11, and 12 illustrate examples of various other UIs according to an embodiment of the present invention.

The reference numeral 600 of FIG. 6 denotes a progress report (hereinafter referred to as an 'performance report') according to a process performed by the supplier terminal 100b to the server 10 and the purchaser terminal 100a to the server 10. An example of a history feed 600 including feedback corresponding to a performance report to be sent is shown. The provider 201 may update the report on the interim progress at which the service is provided. The buyer 200 may leave feedback in response to the report. The buyer 200 may request modification through feedback and may request that the buyer 200 visit the site where the service is provided. The timing of updating the performance report is determined by agreement between the parties. As an example, supplier 201 and buyer 200 may agree that supplier 201 will update the performance report at the end of each process or milestone. As another example, supplier 201 and purchaser 200 may agree that supplier 201 periodically updates a performance report on the progress of the process. The performance report of the supplier 201 and the feedback of the buyer 200 may be recorded in the history feed 600 where the service is provided and stored in the server 10. The mediator 205 may use the stored history to adjust for future disputes. Once confirmed history feed 600 may be stored in a form that can not be modified in any case for accurate and rapid control of the dispute, or may be stored so that all modifications remain. The supplier 201 may further request confirmation from the purchaser 200 regarding the change of the schedule.

Reference numeral 601 in FIG. 11 shows an example of a progress report (or a performance report). Performance reports include completed, ongoing, and planned processes. The performance report may also include a milestone that includes each process. The supplier 201 may leave a report on the degree of progress of the process, a picture of a site on which the process is performed, a video, and the like. In addition, the report may further include the materials, costs, etc. that went into performing the process. When the server 10 receives the performance report prepared from the supplier terminal 100b, the server 10 transmits the performance report to the purchaser terminal 100a. At this time, the server 10 may deliver to the purchaser terminal (100a) in the form of a push notification that the performance report has arrived. The performance report stored in the server 10 can be protected from modification by anyone.

Reference numeral 603 in FIG. 12 shows an example of a confirmation item of the correction requested by the supplier 201 to the purchaser 200. The supplier 201 may request the purchaser 200 to change the schedule, for example, while providing a service. Similarly, the purchaser 200 may also request a change from the supplier 201 if a change in the process is required. In the case of the consent of the other party according to one request, such details remain in the history feed 600, and the transaction contents may be changed.

When certain conditions are satisfied, the buyer 200 or the supplier 201 may unilaterally change the transaction details. As an example, if a change does not affect the service providing schedule or price, one can easily change it. Unless otherwise specified, if the purchaser 200 postpones the service providing schedule, or the provider 201 advances the service providing schedule, the purchaser 200 may change the service regardless of the other party's consent.

As another example, the purchaser 200 may unilaterally terminate the contract with the supplier 201 when the moving speed, progress quality, material, etc. of the supplier 201 deviate from the predetermined criteria for a long time. The provider 201 cannot protest if the service provided by the provider does not meet the set transaction standard. This is to solve the buyer's disadvantage that occurs when the supplier 201 does not properly provide the service in the state of receiving both the deposit and the balance. If the service of the supplier 201 meets the criteria of the transaction contents, the buyer 200 cannot unilaterally terminate the contract. The mediator 205 may mediate a dispute between the parties based on the established transaction details and the history feed 600.

7 shows a dashboard of ongoing services according to one embodiment of the invention.

The dashboard 700 provides a summary at a glance the overall progress of the service. As an example, the dashboard 700 includes the overall process progress rate and duration, status, change request requested by one party, confirmation request, timeline in which the process is provided, and the like.

When the user touches the timeline or selects it as an input device, the terminal device 100 may enlarge and provide the timeline.

8 illustrates a timeline according to an embodiment of the present invention.

The timeline 800 may include an entire milestone, a specific gravity 801 of each milestone, a current progress position 803, and the like. When the user selects a particular milestone 805 using the hand 80, the terminal device 100 supplements 807 and the milestone of the milestone 805 including the progress of the history feed 600 and the milestone. Processes 809 included in the display may be displayed. The milestone may indicate that completion of the processes 809 has been completed.

The current progress position 803 is an example and may be changed based on the performance report of the supplier 201. When the supplier 201 reports that the performance report has completed a specific process, the server 10 may update the timeline based on this. If the purchaser 200 does not agree to the completion of the process through feedback, the contents thereof may be highlighted in the timeline 800.

The terminal device 100 may enlarge or provide the timeline 800 according to a user's command to enlarge the timeline 800 such as pinch-to-zoom in or reduce the timeline 800 such as pinch-to-zoom out. The timeline 800 may be reduced in size according to the command.

When the timeline 800 is enlarged more than a predetermined level, the terminal device 100 may add and display specific items. For example, if the user expands more than a predetermined range, the terminal device 100 may provide items for the enlarged specific milestone 805 such as supplementary explanation 807 and processes 809 without the user selecting the milestone 805. have.

In addition, when the timeline 800 is reduced by a predetermined level or more, the terminal device 100 additionally adds items on the overall service progress state such as the location where the current service is provided on the entire timeline 800, the overall progress ratio, and the payment status. Can provide.

That is, the user may zoom in on a part of the milestone as necessary to view the progress in detail or zoom out to examine the overall service progress.

The server 10 may provide each terminal device 100 with a target timeline generated based on the period included in the transaction contents. The terminal device 100 provides the received target timeline to the user. For example, a transaction set up between the parties may have a total service providing period of 10 days, and may be set to take 2 days for each milestone. In this case, the target timeline would be evenly distributed over two days for each milestone. If the provider foundation 201 has not yet completed milestone 1 when the service foundation phase has taken a long time and has passed five days, the buyer 200 will be marked as providing a process corresponding to milestone 3 on the target timeline. ) May recognize that the target timeline and the current timeline 800 are different from each other. In this case, as described above, the purchaser 200 may unilaterally terminate the contract. If the schedule change has been agreed on the history feed 600, the target timeline may be changed and provided accordingly. In this case, the current timeline 800 and the target timeline may proceed similarly. The user can determine whether the service provision is in progress according to the contracted period.

Buyer 200 or supplier 201 may request a change directly from timeline 800. One of the parties may request a change in the attributes of the milestone 805 directly by moving the milestone 805 of the timeline 800 directly or by selecting an externally provided menu item, which is confirmed through the approval of the other party.

For example, if the user moves the selected milestone 805 back and forth through a simple operation such as drag and drop, the server 10 will automatically request another user to change the period. The user may change the order between milestones in the timeline 800 or change the duration of a process within the milestones. Furthermore, in the case of a milestone that no longer needs to be supplied, it may be requested to be deleted from the timeline 800 by dragging and dropping the empty space.

Furthermore, the user can also generate milestones on the timeline 800. At this point, another supplier may be designated as the performer of the milestone. This is now communicated to the service provider 201. The addition of a new provider may require the consent of the current service provider 201.

As another example, when there is an agreement between the purchaser 200 and the current supplier 201 or the failure of the current supplier 201 to unilaterally designate a new supplier as the performer of an already ongoing process or milestone. In this case, the intermediary 205 requests the bank 203 to send the corresponding payment when the new supplier has completed performing the process.

In a multi-party service transaction in which a plurality of suppliers provide a service to one buyer, the first supplier and the second supplier may communicate with each other. If the schedule of the second supplier is changed according to the schedule of the first supplier, the first supplier may change the schedule only with the approval of the second supplier as well as the purchaser 200. Furthermore, the first supplier may have to hand over to the second supplier a part of the process that he or she should perform at the request of the user. The server 10 determines a price to be paid to each supplier based on a preset transaction rate according to the rate of performing the process.

According to an embodiment, the second supplier may provide the service to the first supplier rather than the buyer. At this time, the first supplier remits the payment to the bank 203, and the intermediary 205 remits the payment to the second provider on a process-by-process basis based on whether the second provider provided the service to the first supplier. You can ask for In accordance with the contract with the buyer, a portion of the payment paid by the buyer 200 may be provided to the second supplier.

9 is a view showing whether a request for completing a process is completed according to an embodiment of the present invention.

When the supplier 201 finishes the process and transmits the process to the server 10 through the supplier terminal 100b, the purchaser 200 receives the supplier's completion request 900 from the server 10.

Subsequently, in response to the request of the supplier 201, the server 10 transmits an item 901 to the purchaser 200 asking whether to approve the completion of the process.

When the purchaser 200 selects the completed approval item by using the finger 80 or the like, the server 10 requests the financial server 11 to transfer the money corresponding to the completed process, and after the money transfer is completed, A notification 905 is transmitted to the buyer 200 and the supplier 201 informing that the payment is normally paid.

As described above, the payment may be performed by a process, but may be performed by a group or milestones including a plurality of processes. The user may monitor whether each process is properly completed through the performance report left in the history feed 600, and may approve that the milestone is completed upon completion of the processes.

If the buyer 200 does not approve, the buyer 200 reveals the reason for the approval in the form of feedback. For example, there may be reasons such as whether the quality did not come out as desired, whether the material did not use the desired material, or if it took too long.

The supplier 201 and the buyer 200 may predetermine in advance whether or not to proceed with the transaction according to the criteria when the buyer 200 disapproves the completion of the process. For example, the supplier 201 and the buyer 200 may determine in advance whether the payment is partially paid or refunded in full to the buyer 200 according to the disapproval reason. When the buyer 200 and the supplier 201 receive a large disadvantage because the service providing period is too long and the buyer 200 does not receive the finished product in a desired period, the buyer 200 may agree in advance to give a full refund. The purchaser 200 and the supplier 201 may agree to provide a partial refund if the provider 201 provides the service in a somewhat undesired form. If the supplier 201 wishes to disapprove the buyer 200, the intermediary 205 intervenes. The intermediary 205 can find out in which part the buyer 200 is going to disapprove. The broker 205 may determine whether the purchaser 200 has requested the provider 201 to provide the service in a desired direction with reference to the history feed 600. For example, the broker 205 may be advantageous to the buyer 200 when the supplier 201 does not complete properly even though the purchaser 200 steadily changes the performance report of the supplier 201. As another example, the broker 205, if the buyer 200 confirms to the supplier's performance report and gives no feedback or responds that he or she likes it, later disapproves the completion of the process. You can also judge in your favor.

The role of the intermediary 205 for resolving the dispute is primarily performed at the server 10, and if the dispute is not smoothly resolved at the server 10, the intermediary 205 may have a meeting with both parties. Can be solved through. The server 10 determines whether the performance report of the supplier 201 is periodically reported according to the contents of the transactions between the parties, and whether the buyer 200 reads the information and faithfully leaves feedback. The server 10 may also compare the transaction details and the performance report to determine whether the supplier 201 has faithfully fulfilled its commitments. For example, when a dispute arises by mechanically judging whether the period has been kept or the contracted material is used, it may be advantageous to the supplier 201 or the purchaser 200.

As the payment is made in stages as the process is completed, the purchaser 200 may expect the supplier 201 to pay the service more thoroughly. If the supplier 201 fails to match the delivery date and quality properly, the purchaser 200 may entrust the other provider 201 with the rest of the service. Even if the contract is terminated according to the remorse of the buyer 200, the supplier 201 may be guaranteed the payment until the proceeding part. That is, unlike the transaction protection service of the sale of goods provided that the value of the goods according to the delivery of the goods, the buyer 200 and the supplier (in the transaction of the atypical service, which may have various transactions between the buyer 200 and the supplier 201) 201) Transaction protection services that can all be duly protected can be provided through the present invention.

10 is a flowchart of a method of providing a transaction protection service according to an embodiment of the present invention.

First, in operation S1000, the server 10 generates a UI for setting transaction details according to a request of the terminal device 100, and provides the UI to the purchaser and supplier terminals 100a and 100b. In operation S1001, the server 10 receives transaction details of a service from at least one of the purchaser and supplier terminals 100a and 100b. Thereafter, in operation S1003, the server 10 compares the payment information of the purchaser 200 received from the financial server 11 with the total price described in the transaction contents. In operation S1005, when the total price and the deposit information are the same, the deposit completion notification is transmitted to the supplier terminal 100b. Thereafter, in operation S1007, the server 10 transmits the process performance report received from the supplier terminal 100b to the purchaser terminal 100a. In operation S1009, the server 10 transmits a request for completing the execution process received from the supplier terminal 100b to the purchaser terminal 100a. When the approval of the execution process is received from the purchaser terminal 100a, finally, in operation S1011, the server 10 transmits a remittance request so that the price corresponding to the process is remitted to the supplier.

100-terminal equipment
101- network
10-server
11- Financial Server

Claims (6)

In the server for providing a transaction protection service for a service divided into a plurality of processes between the buyer and the supplier,
A storage module configured to store data related to the transaction;
A communication module configured to communicate with an external device; And
Transmitting a user interface (hereinafter referred to as 'UI') for receiving the transaction details to the supplier terminal and the buyer terminal, and securely stored in the storage module to prevent the transaction contents received through the UI from being modified from the outside, Based on the transaction details, the total transaction amount is checked through the financial server to see if the transfer is made from the buyer account to the intermediary account, and when the transfer is completed, a notification is sent to the supplier terminal, and a process performance report received from the supplier terminal. And correspondingly, the feedback received from the buyer terminal is stored in the storage module so as not to be modified under any circumstances, and a request for completion of at least one process received from the supplier terminal and an approval received from the buyer terminal corresponding thereto. Status to complete the at least one process upon request And requesting the financial server to transfer the amount corresponding to the completed process among the total transaction amount from the intermediary account to the supplier account based on the transaction details, and a timeline including a process of performing the service. Provided to the purchaser terminal and the supplier terminal, and set and provide a target timeline for each of the plurality of processes based on the transaction details, process completion for the timeline received from any one of the buyer terminal and the supplier terminal The modification request for the timing is transmitted to another one, wherein the modification request changes the duration of the process requiring modification by dragging and dropping an icon corresponding to the process requiring modification among the plurality of processes displayed on the timeline. Or by changing the order, Modifying the process completion time by the process, creating a new process by approval of a process different from the request of adding one of the buyer terminal and the supplier terminal, and requesting a supplier change of any one of the buyer terminal and the supplier terminal. The financial server changes the supplier of any one of the processes according to a different approval from the bank, and the amount corresponding to the changed process is transferred from the intermediary account to the new supplier's account when the supplier completes the changed process. A control module configured to request a
The transaction details server for providing a transaction protection service including a total amount, a service providing period, the price information corresponding to each of the plurality of processes. The method of claim 1,
The process performance report server for providing a transaction protection service comprising at least one of the image and video of the site where the process was performed. delete delete The method of claim 1,
The control module divides the plurality of processes into a plurality of milestones based on a process content and a process execution time. When processes included in any one milestone are changed to a completed state, the control module changes the milestone to a completed state. A server for providing a transaction protection service for requesting the financial server to transfer an amount corresponding to a completed milestone to the supplier account. delete

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