KR20010081548A - An insurance operating system for electronic commerce and an operating method thereof - Google Patents

Abstract

PURPOSE: An insurance operation system and method for an electronic commerce is provided to enable a user to join insurance freely when the user buys goods. CONSTITUTION: A communication network(10) enables a plurality of users to connect to an electronic commerce server(20) and an insurance operation server(50). A client PC(20) is connected to the electronic commerce server(20) through a web browser and the communication network(10). The electronic commerce server(30) enables the users to search and purchase products. A provider server(40) provides information on products to be sold through the electronic commerce server(30) and automatically pays an insurance bill according to a payment request for the bill inputted from the insurance operation server(50). The insurance operation server(50) checks whether the users are respectively registered users in case that the users input a signal for buying insurance.

Description

An insurance operating system for electronic commerce and an operating method

The present invention relates to an insurance operating system for electronic commerce and a method of operating the same.

More specifically, when a user purchases a certain item through e-commerce, the user can purchase free insurance for each purchased item, and if a problem occurs with the item purchased by the user, The present invention relates to an insurance operating system for electronic commerce and a method of operating the same for paying the corresponding insurance money.

In recent years, with the explosive spread of computers, the world is connected to a single network through the Internet, an area where users around the world can share time and space.

As a result, many companies on the Internet have established websites to promote or provide their own information to netizens around the world, as well as to find the information they want.

In other words, when a user runs a web browser installed on the computer to connect to the Internet and enters a specific URL (Universal Resource Locator), the web browser connects to the server where the website is located, and the user provides the website. It is possible to use a variety of information in the form of text or graphics.

As such, Internet users around the world can use the Internet anytime, anywhere, without any time and space constraints. As the number of websites increases, new websites are emerging that are different from the existing websites.

Among such websites, e-commerce websites, in which various classes of users can purchase various items such as clothes, books, and records on the Internet, are rapidly increasing according to the popularity of Internet users.

In addition, portal websites that provide search services, free e-mail, homepage space, and cyber folders are also gaining popularity among Internet users. There is a trend to introduce the above-mentioned electronic commerce to overcome the limitation of income.

In this case, when a plurality of users use the above-mentioned e-commerce website, each user accesses a website opened on the Internet and directly selects various items such as books and records, even if they do not visit the store directly, and then selects a credit card ( Payment will be made via credit card, IC card, digital cash, etc., and the item will be received by mail at the address you specify.

However, the conventional general e-commerce websites as described above, users receive the goods after each user accesses the e-commerce website, paying for the goods, or the delivery is not received, However, users frequently receive similar items other than the items they want, and in this case, they use the bulletin board operated by the e-commerce site they purchased, but they cannot receive a clear compensation. There was this.

An object of the present invention is to enable users to purchase free insurance for each of the purchased items, if the user purchases a predetermined item through e-commerce to solve the above-mentioned problems, there is a problem with the goods purchased by the users It provides an insurance operating system and an operation method for an e-commerce to pay the corresponding insurance according to the user's request, if it occurs.

1 is a view for explaining an insurance operating system for electronic commerce according to the present invention;

2 is a block diagram for explaining the configuration of the insurance management server applied to FIG.

3 is a flow chart illustrating an embodiment for users to sign up for free insurance in an e-commerce server to which the present invention is applied;

4 is a flowchart illustrating a free insurance subscription routine made through the e-commerce server applied to FIG. 3;

FIG. 5 is a flowchart illustrating a routine of applying insurance to a purchased item applied to FIG. 3;

FIG. 6 is a flowchart illustrating a routine for paying insurance premiums applied to FIG. 3.

* Description of Signs of Main Parts of Drawings

10: network communication network 20: client PC

30: eCommerce Server 40: Provider Server

50: insurance operation server 60: e-commerce evaluation server

The system of the present invention for achieving the above object, the e-commerce server further comprises a menu item for purchasing a certain item by the user, and can purchase free insurance for the purchased item, and the e-commerce By selecting the free insurance menu item provided by the server, you can purchase insurance for the purchased goods. If the purchased goods are not supplied, the insurance payment request signal is output through the network and the corresponding message is transmitted. The client PC provides a product information for sale through an e-commerce server, a supplier server that pays premiums according to a premium payment request input from the outside, and a signal for the user to purchase insurance through an e-commerce server. If you are a registered user, check if you are a registered user. The product information is received and stored through the e-commerce server, and if the user is not a registered user, the personal information and the purchased item information are received and stored through the e-commerce server, and the product is purchased when the user purchases insurance. The insurance payment server outputs a premium payment request signal to a supplier server corresponding to the insurance service requesting server, and provides the insurance money in response to the insurance money request signal.

The method of the present invention for achieving the above object, (1) the user executes a web browser installed on the client PC to establish a communication connection with the e-commerce server, purchase certain goods, free of charge for the purchased goods The insurance operation process, and (2) if the user wants to purchase free insurance after purchasing the goods provided through the e-commerce server, the insurance operation server receives the personal information and goods information from the e-commerce server to sign up for insurance. While accepting, the process of making a premium payment request to the supplier server providing the goods information, and (3) when the insurance payment request is input by the user who has subscribed the insurance, the insurance management server enters information for payment of insurance premiums. It is a process of receiving and paying insurance benefits.

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

1 is a view for explaining an insurance operating system for electronic commerce according to the present invention.

As shown, network communication network 10 allows an unspecified number of users to be connected to e-commerce server 20 and insurance management server 50.

The client PC 20 communicates with the above-mentioned e-commerce server 30 through a web browser executed by the user and the above-described network communication network 10, and provides free insurance provided by the e-commerce server 30. By selecting a menu item, you can purchase insurance for the purchased goods. If the purchased goods are not supplied, the insurance payment request signal is output to the insurance operation server 50 through the network communication network 10 described above, and insurance The corresponding message is received from the operation server 50.

In this case, the user of the client PC 100 may request the payment of the insurance in a manner such as a telephone in the offline state, in addition to the method of transmitting the request signal for the payment of the insurance in the online connection state with the insurance operation server 50 as described above.

The e-commerce server 30 allows the above-mentioned user to search for and purchase the goods by using the e-commerce program produced by the server operator, and after purchasing the predetermined goods by the user, the purchased goods are free of charge. It further has a menu item for insurance.

The supplier server 40 provides goods information for sale through the electronic commerce server 30 described above, and automatically pays the premium according to the premium payment request input from the insurance operation server 50.

The insurance operation server 50 checks whether a user is a registered user when the user inputs a signal for insurance through the above-described e-commerce server 30, and, in the case of a registered user, describes the item information purchased by the user. Input and store through the e-commerce server 30, and if not a registered user receives and stores personal information and purchased goods information through the e-commerce server 30 described above, while the goods purchased by the user described above In the case of the insurance, the premium payment request signal is output to the supplier server 40 corresponding to the above-mentioned goods, and the corresponding insurance money is paid in response to the insurance request signal of the user.

That is, the insurance management server 50, if the supplier does not knowingly supply goods to the user after receiving the payment of the supplier except for the transportation accident, error of the e-commerce operator, other compensation, and refundable reasons, the insurance payment is paid. .

The e-commerce evaluation server 60 objectively evaluates the creditworthiness of the international Internet operator, that is, the e-commerce sites provided through the network communication network 10, and provides the evaluated information to the insurance operation server 50 described above. .

Then, the insurance operation server 50 regularly notifies the grade of the e-commerce site to the users of the client PC 20 so that the user can access the e-commerce site where the user can have reliability and purchase the goods.

FIG. 2 is a block diagram illustrating a configuration of an insurance management server applied to FIG. 1.

As shown, the program storage unit 51 is produced by the server operator, insurance operation to run the entire system to enable the user to pay the insurance premiums if the user does not receive the purchased goods through e-commerce Save the program.

The database unit 52 stores the personal information of the user who has signed up for free insurance and the information about the items purchased by the user and insured.

The signal input / output unit 53 receives the insurance subscription request signal input from the above-described e-commerce server 30 and the personal information according to the insurance subscription, and provides the supplier server 40 described above with the insurance request signal input from the controller 55. ), And receives premium payment data input from the supplier server 40 described above.

The communication control unit 54 receives the insurance payment request and the reason for the payment input from the client PC 20 described above, which is connected by the user, and the message regarding the insurance payment input from the control unit 55 is described in detail. It transfers to one client PC 20.

The controller 55 controls the entire system according to the insurance operation program stored in the program storage unit 51 described above, and when the insurance request signal is input from the user through the signal input / output unit 53 described above, the electronic commerce server ( The user's personal information input through the 30 and the goods information purchased by the user are stored in the above-described database unit 52, and if the goods information purchased by the predetermined user is insured, the signal input / output unit ( 53, a premium payment request signal is output to the supplier server 40 providing the goods information.

In addition, when the user of the client PC 20 inputs the insurance payment request signal through the communication control unit 54 described above, the control unit 55 may request a payment reason input request through the communication control unit 54 and an insurance product. And outputs a message for prompting the user to input information, and if the reason for the payment and the information of the item subscribed to the insurance coincide with the information registered in the above-described database unit 52, the data on the insurance payment through the communication control unit 54. Is transmitted to the client PC (20).

The operation of the insurance management system for electronic commerce according to the present invention configured as described above will be described in more detail with reference to the accompanying drawings.

First, the user executes a web browser installed on the client PC 20 to perform a communication connection with the e-commerce server 20, purchase a predetermined article, and purchase free insurance for the purchased article (S100). Do this.

That is, a communication connection is made to the e-commerce server 30 through a web browser installed on the client PC 20 executed by the user (S110), and the e-commerce server 30 connected to the communication as described above is free of charge insurance. The electronic commerce execution screen data including the subscription menu item is transmitted to the client PC 20 and output on the screen (S120).

In addition, the above-described client PC 20 users purchase the item through the e-commerce execution screen (S130), and then the e-commerce server 30 provides a free insurance subscription item provided by the user on the e-commerce purchase screen described above. In operation S140, it is determined whether a request for subscription to free insurance provided by the insurance operation server 50 is requested.

As a result, when the free insurance subscription is requested by the user, the electronic commerce server 30 outputs a free insurance subscription request signal to the above-described insurance operation server 50 (S150).

In operation S160, it is determined whether a signal for requesting personal information is input from the insurance operation server 50, and when the signal for requesting personal information is input from the insurance operation server 50, personal information is input to the user. Outputs a window to enable, and transmits the personal information and the item information purchased by the user to the insurance management server 50 (S170), and if a signal for requesting personal information is not input to the user Only the item information purchased by the transmission to the insurance operation server (S180).

On the other hand, when the free insurance subscription request signal is not input by the user in the above-described process (S140), only data on the order of the article selected by the user is transmitted to the electronic commerce server 30 for processing.

As described above, when the above-described process (S100) is performed between the client PC 20 and the e-commerce server 30, between the e-commerce server 30 and the insurance management server 50, the above-mentioned user first When purchasing goods provided through the commerce server 30 to purchase free insurance, the insurance operation server 50 receives personal information and goods information from the e-commerce server 30 and accepts the insurance subscription, A routine (S200) for making a premium payment request to a supplier server 40 providing one item of information is performed.

In more detail with respect to the above-described routine (S200), it is determined whether the free insurance subscription request signal is input from the electronic commerce server 30, and if the free insurance subscription request signal is input (S220). .

If the user subscribes to insurance for the first time, a request signal for receiving personal information and item information purchased by the user is transmitted to the above-mentioned e-commerce server 30 (S230). The request signal for receiving only the purchased goods information is transmitted to the electronic commerce server 30 (S240).

The user input from the above-mentioned e-commerce server 30 receives and stores the purchased item information, accepts the insurance according to each item (S250), and as described above, the supplier server of the article for which the insurance is accepted ( 40, a request signal for premium payment is output (S260), and the premium payment data input from the supplier server 40 is stored.

As described above, when insurance is purchased for a certain item purchased by the user between the client PC 20, the e-commerce server 30, the supplier server 40 and the insurance management server 50, When the insurance payment request is input by the user because the goods purchased by the user are not supplied, the insurance operation server 50 receives the information for insurance payment and performs the routine S300 for paying the insurance money.

Referring to the above-described routine (S300) in more detail, the user executes a web browser installed on the client PC 20 to perform a communication connection to the insurance management server 50 through the network communication network 10, the communication connection The log-in screen data provided from the insurance management server 50 is received and output on the screen (S310).

Then, the client PC 20 transmits the login data input through the above-described login screen to the insurance management server 50, and the insurance management server 50 uses the above-described login data to the user of the client PC 20. It is determined whether the insurance subscriber (S320 ~ S330).

If the above-mentioned user is an insurance subscriber, a message for insurance payment is output to the client PC 20 (S340), and whether the insurance money can be paid through the information input from the user according to the above-described message. Check (S360).

If the check result can be paid, the corresponding payment is paid to the user (S370), if the insurance can not be paid to output the corresponding message to the client PC (20) (S380) so that the user can know do.

As described above, the insurance operation server 50 may pay the insurance money when the goods supplier does not knowingly supply the goods after receiving the goods price to the user as described above.

On the other hand, if the insurance management server 50 is unable to pay the insurance, the case of transportation accidents, errors in the e-commerce operator, other compensation and refundable events are applicable.

As described above, the present invention enables users to receive insurance payments when an abnormality occurs on an item purchased through a domestic or international e-commerce, thereby preventing damages to the buyer, as well as providing an opportunity to deal with an item supplier or an international business transaction. Provides the effect of improving objective creditworthiness.

In addition, as described above, the present invention improves the objective credit of goods suppliers or international corporate transactions, thereby inducing users to purchase a lot of goods through e-commerce, thereby enabling domestic and international e-commerce. It is effective to achieve this.

Although described above with reference to a preferred embodiment of the present invention, those skilled in the art will be variously modified and changed within the scope of the invention without departing from the spirit and scope of the invention described in the claims below It will be appreciated.

Claims (7)

Unspecified number of users connect to the e-commerce server through the network communication network, and search for, purchase, and purchase the goods on the site using the e-commerce program provided by the e-commerce server In the electronic commerce system, The e-commerce server further includes a menu item for purchasing free insurance on the purchased goods after purchasing a predetermined product by the user. The client PC may purchase insurance for the purchased goods by selecting a free insurance menu item provided by the e-commerce server, and outputs an insurance payment request signal through the network communication network when the purchased goods are not supplied. Receive the corresponding message, A supplier server providing goods information for sale through the electronic commerce server and paying premiums according to a premium payment request input from the outside; And When the user inputs a signal for insurance through the e-commerce server, it is checked whether the user is a registered user.In the case of a registered user, the user purchases and stores the goods information purchased by the user through the e-commerce server, If the user is not a user receives and stores personal information and purchased goods information through the e-commerce server, and if the goods purchased by the user is insured, the premium payment request signal is output to the supplier server corresponding to the goods And an insurance management server for paying the insurance money in response to the insurance request signal of the user. The method of claim 1, wherein the insurance management server, A program storage unit which is produced by a server operator and stores an insurance operation program for operating the entire system so as to be able to pay an insurance premium for a user that is not supplied with the purchased goods through electronic commerce; A database unit for storing personal information of a user who has signed up for free insurance and information about goods purchased by the user and insured; Signal input / output for receiving an insurance subscription request signal input from the e-commerce and personal information according to insurance, transmitting an insurance request signal input from the outside to the supplier server, and receiving insurance payment data input from the supplier server. part; A communication control unit which receives data regarding a premium payment request and a reason for payment from the client PC to which a communication connection is made by a user, and transmits a message about premium payment input from the outside to the client PC; And Insurance operating system for electronic commerce, characterized in that the control unit for controlling the entire system according to the insurance management program stored in the program storage unit. The method of claim 1 or 2, wherein the control unit of the insurance management server, When the insurance request signal is input from the user through the signal input / output unit, the user's personal information input through the e-commerce server and the item information purchased by the user are stored in the above-described database unit and purchased by a predetermined user. When the purchased product information is insured, a premium payment request signal is output to a supplier server providing the goods information through a signal input / output unit, and when the client PC user inputs an insurance payment request signal through the communication control unit, the communication. And outputting a message prompting the user to input the reason for payment and insurance information through the control unit. Subsequently, when the reason for payment and the information on the insurance item match the information registered in the database unit, the communication controller Client data for payouts through Insurance operating systems for e-commerce features to transfer to a PC. (1) a process in which a user executes a web browser installed on a client PC to establish a communication connection with an e-commerce server, purchase certain items, and purchase free insurance for the purchased items; (2) If the user wants to purchase free insurance after purchasing the goods provided through the e-commerce server, the insurance operation server receives the personal information and the goods information from the e-commerce server and accepts the insurance, Making a premium payment request to a provider server providing a service provider; And (3) When the insurance payment request is input by the user who has been insured, the insurance operation server receives the information for paying the insurance and receives the insurance payment. The method of claim 4, wherein the process (1), (1-1) performing a communication connection to the e-commerce server through a web browser installed on the client PC executed by the user; (1-2) the communication-connected e-commerce server transmitting the e-commerce execution screen data including the free insurance subscription menu item to the client PC and outputting the same on the screen; (1-3) the client PC users purchasing the goods through an e-commerce execution screen; (1-4) determining whether the user requests free insurance by selecting a free insurance subscription item provided on the e-commerce purchase screen after purchasing the article; (1-5) transmitting a free insurance subscription request signal to the insurance operation server; (1-6) determining whether a signal for requesting personal information from the insurance operation server is input; And (1-7) When a signal for requesting personal information is input from the insurance operation server, a window for inputting personal information is output to the user, and corresponding personal information and goods purchased by the user are displayed. And transmitting to the insurance operation server only the information on the goods purchased by the user to the insurance operation server when a signal for requesting personal information is not input to the insurance operation server. The method of claim 4, wherein the process (2), (2-1) determining whether a free insurance subscription request signal is input from the electronic commerce server; (2-2) determining whether the first subscriber is the first subscriber when the free insurance subscription request signal is input; (2-3) In case of a first-time subscriber, a request signal for receiving personal information and goods information purchased by a user is transmitted to the e-commerce server; Transmitting a request signal for the electronic commerce server; (2-4) receiving and storing item information purchased by users input from the e-commerce server and accepting insurance according to each item; And (2-5) an e-commerce transaction further comprising the step of outputting a request signal for payment of insurance premiums to a supplier server of the goods for which the insurance is accepted and storing data for paying insurance premiums input from the supplier server; Insurance operation method for the. The method of claim 4, wherein the process (3) (3-1) performing communication access to the insurance management server through a web browser installed on the client PC executed by the user; (3-2) receiving login screen data provided from the insurance operation server connected to the communication and outputting the login screen data; (3-3) transmitting the login data input through the login screen to an insurance management server; (3-4) determining whether the user of the client PC is an insurance subscriber using the login data; (3-5) outputting a message for payment of insurance money when the user is an insurance subscriber; (3-6) checking the insurance payment through the information input from the user; And (3-7) If the check can be paid as a result of the check, the insurance payment for the e-commerce, characterized in that the process of paying the benefits to the user, if the insurance can not be paid to output a corresponding message Way.