KR20010091138A - Internet electronic commerce for total finance auction - Google Patents

Abstract

PURPOSE: The method for the internet EC(Electronic Commerce) of the total finance is provided for a consumer and supplier to get the largest economic benefits without spending much time and cost by integrating every service of the total finance and applying an auction and inverse-auction system to the trade. CONSTITUTION: The consumer visits a web site(www.RichbyRich.com)(S10) and takes the register and log-in procedure(S12). After that, the consumer selects one of all financial services(for example, deposit, loan, insurance, exchange, unlisted stock, bond, etc.)(S14) and inputs trade conditions to the menu of the selected service(S16). Financial institutions, like a bank or an insurance, bid for the trade and the consumer checks the bid contents(S18). When the consumer determines the financial institution that offers the best bid, the trade is successful(S20) and a program ends. If the trade is failed in the step 20, the procedure returns to the step 16, again.

Description

Internet electronic commerce for total finance auction

The present invention relates to the Internet e-commerce business model (BM) that introduces the concept of auction and reverse auction in the financial field, and more specifically, various products (eg, deposit, loan, insurance) in the field of total finance. Internet exchanges in total finance, integrating foreign exchange, unlisted stocks and bonds into one superior service and applying auctions and reverse auctions to each so that both consumers and suppliers can get maximum economic benefits. It is about a commerce method.

At present, the Internet is becoming a huge and efficient information storage medium and information providing medium that is connected with numerous computer networks around the world. The Internet is used for various purposes such as e-mails, newsgroups, file transfers, information transmission and retrieval, and as the number of networks connected to the Internet and the number of Internet users increase, the commercial use of the Internet, that is, electronic commerce It is spreading rapidly.

There are various kinds of Internet e-commerce. Especially, auction (www.auction.co.kr), such as auction or reverse auction business model between buyers and sellers is currently in service.

However, the auction or reverse auction sites currently in operation are mainly active in consumer goods, and focus on and specialize in the financial sector, including finance, stocks, insurance, bonds, and currency exchange, providing auction or reverse auction services. There was no business model.

Accordingly, in order to use such various financial services (deposits, loans, insurance, currency exchange, unlisted stocks, bonds), the user accesses each information providing site and checks the price and interest rate provided by the information provider or seller. In addition to the inconvenience of having to search and compare individually, and also to visit various information providing sites, not only does the communication cost increase very much, but the price or interest rate offered by the supplier side is unilaterally suggested by the consumer. There was no choice but to.

For this reason, it is often the case that consumers often visit their banks, insurance companies, exchange offices, etc. to deal with their wishes without having to compare various financial products on the Internet.

In addition, financial institutions, insurance companies, currency exchange offices, managers of unlisted companies, stock owners, and related institutions spend a lot of time and money to build their own separate websites (URLs) for their clients and funds. In fact, as they are separated from each other, the number of visits by customers is relatively low, resulting in a relatively low transaction closing rate.

In conclusion, both consumers and sellers could not achieve what they wanted in a short period of time in the virtual space of the Internet, and in particular, the transactions of various financial products were focused on sellers, ie suppliers, rather than customers. Failed to bring it.

In addition, even if a consumer spends a lot of search time and money using the Internet and visited each website to find the most suitable financial institution, there was an inconvenience of not knowing the location of the financial institution nearest to his location.

The present invention has been made to solve the above problems, integrating various products in the field of total finance (e.g., deposits, loans, insurance, currency exchange, unlisted stocks, bonds), and auction and The purpose of this course is to provide an internet e-commerce method in the field of total finance in which reverse auctioning is applied so that both consumers and suppliers can obtain maximum economic benefits.

1 is a flowchart showing the overall concept of the Internet e-commerce business model (BM) according to the present invention.

2 is a flowchart showing a financial reverse auction method implemented by applying the reverse auction method to deposit and loan products.

3 is a flowchart showing the insurance reverse auction method implemented by applying the reverse auction method to the insurance product.

4 is a flowchart showing a currency exchange reverse auction method implemented by applying the reverse auction method to currency exchange.

FIG. 5 is a flowchart showing a bond reverse auction method implemented by applying a reverse auction method to a bond.

6 is a flowchart showing a method of unlisted stock reverse auction implemented by applying the reverse auction method to unlisted stock.

Internet e-commerce method of the financial field in accordance with the present invention for achieving the above object, financial services, insurance services, currency exchange services, bond services, unlisted stock services integrated into one higher service and auction for each of these services And a reverse auction concept.

In addition, the Internet e-commerce method according to the present invention, the consumer is connected to the server for e-commerce via the Internet; Confirming whether the consumer is a registered member; If the consumer is a registered member, selecting any one of a plurality of financial services and selecting a reverse auction menu thereof; Inputting a transaction condition desired by the consumer; Automatically searching the bidding contents of the bidders, selecting a bidder closest to the transaction condition, and notifying the buyer; And closing the transaction when the consumer bids the selected bidder.

The financial sector services are characterized by including financial services including deposits, loans, insurance services, currency exchange services, bond services, and unlisted stock services.

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

The financial sector referred to in the present invention refers to a combination of finance products (deposits, loans, insurance, currency exchange, unlisted stocks, bonds).

The Internet e-commerce business model (BM) according to the present invention provides a service by integrating the above six financial products. In this business model (BM), a customer who is a member of the above six products is mainly focused. After entering the trade terms of the desired product, the supplier (financial institution, insurance company, money changer, bond holder, or unlisted stock owner, etc.) reports and enters the best trade terms that can be presented by the supplier. The member finds the terms and conditions offered by the supplier and selects the institution that presents the conditions most favorable to him.

As described above, the way of presenting a trade condition of a desired product on the consumer side and closing a deal with a supplier who has suggested the closest trade condition is a reverse auction method, and the business model according to the present invention is prepared based on the reverse auction concept.

1 is a flowchart showing the overall concept of the Internet e-commerce business model (BM) according to the present invention.

As shown in FIG. 1, when a customer visits a website (www.RichbyRich.com) according to the present invention (S10), undergoes a registration and login process (S12), and then provides a plurality of financial field services (that is, Select the desired service menu (deposit, loan, insurance, currency exchange, unlisted stock, bonds) (S14). The customer enters the selected service menu and enters the desired trade terms (S16). When the customer enters the transaction conditions, the relevant institutions such as banks or insurance companies will bid on them, after which the consumer searches the bidding contents of the bidding institutions (S18), and selects the institution that presents the most favorable conditions for them. (S20) The deal is closed and the program ends.

First Embodiment (Financial Auction)

The application of the basic concept of the Internet business model according to the present invention disclosed in FIG. 1 to financial services, such as deposits and loans, is shown in FIG. Used when you want.

As shown in FIG. 2, when a customer who wants a service related to a deposit or a loan visits a website (www.RichbyRich.com) according to the present invention (S22), goes through a member registration and login process (S24), and the main Click on the financial auction menu in the menu (S26).

Thereafter, whether the customer wants a service is an individual member or a financial institution member (S28), if the individual proceeds to step (S30) and proceeds step after the step (S30) sequentially, if the financial institution member step In step S44, the steps after the step S44 are sequentially performed.

If the individual member in the step (S28), select the desired financial service menu from the deposit or loan (S30). At this time, if the selected menu is a deposit service, the customer prepares a deposit area auction application in which the deposit funds, the deposit period, the deposit type, the desired deposit date, and the like are entered (S32) and entered into the database. After that, the customer searches for the bidding contents of the bidding financial institutions (S34), selects a financial institution that presents the most favorable condition to him, and approves the transaction (S40).

When the transaction is completed, the credit rating of both the individual member and the financial institution member that completed the transaction is raised (S42), and the program ends.

If the customer selects the loan reverse auction service menu in step (S30), by filling out a loan reverse auction application that the customer desired loan amount, loan type (collateral and credit), loan interest rate, loan period, personal property records ( S36) Input to the database. After that, when the end of the auction period of a certain period, the customer searches for the bidding contents of the bidding financial institutions (S38), selects a financial institution that presents the conditions most favorable to him and approves the transaction (S40). . When the transaction is completed, the credit rating of both the individual member and the financial institution member that completed the transaction is raised (S42), and the program ends.

On the other hand, if the financial institution member in step (S28) to search the reverse auction list entered by the customer (S44), if a suitable item is found (S46), the financial institution inputs the interest rate and all the details (S48) There is this.

In addition, when the mutual transaction is closed, the reverse auction service guides the corresponding bank closest to the customer to minimize the inconvenience of the customer. For these services, the locations of all domestic banks and financial institutions are stored in a database.

Second Embodiment (Insurance Auction)

The application of the basic concept of the Internet business model according to the present invention disclosed in FIG. 1 to an insurance service is shown in FIG. 3, which is used when a consumer wants a reverse auction service for an insurance product.

As shown in FIG. 3, when a customer who wants insurance services visits a website (www.RichbyRich.com) according to the present invention (S50), goes through a membership registration and login process (S24), and insurance auctions in the main menu. Click the menu (S54).

Subsequently, whether the customer wants the service is a member or insurance company or insurance company subject to insurance (S58), if the individual proceeds to step (S60) and proceeds step after the step (S60) sequentially, If it is an insurance recruiter or an insurance company concerned, the process proceeds to step S68 and the steps after the step S68 are sequentially performed.

If the individual member in the step (S58), the reverse auction application for the insurance that the member wants to sign up (S60), the type of insurance, personal information, details according to the type of insurance, etc. are entered in this application. The content is entered into the database. After that, when the auction period is over, the customer searches the bidding contents of the insurers or the recruiters (S62), selects the insurance company that offers the most favorable conditions for him and approves the transaction (S64). ).

When the transaction is completed, the credit ratings of both the individual member, the insurance agent, and the member of the insurance society are raised, and the program ends.

On the other hand, in the case (S58), if not the individual member of the insurance recruiter or the member of the insurance society, the insurance station auction list entered by the customer is searched (S68), if a suitable matter is found (S70), the insurance company or the insurance agent is selected to By selecting the most appropriate insurance product, and entering all the details such as premium and insurance period (S72).

Third Embodiment (Exchange Auction)

The application of the basic concept of the Internet business model according to the invention disclosed in FIG. 1 to the insurance service is shown in FIG. 4, which is used when a consumer wants a reverse auction service for currency exchange.

As shown in Figure 4, when the customer wants a currency exchange service visits the website (www.RichbyRich.com) according to the present invention (S80), through the registration and login process (S82), exchange exchange auction of the main menu Click the menu (S84).

Thereafter, whether the customer wants a service is a member who wants to exchange money or a money changer to exchange money (S86), if the individual proceeds from step (S88) to step (S94) sequentially, if the money exchange step In step S96, the steps after the step S96 are sequentially performed.

If the individual member in the step (S86), the reverse auction application form is entered in which details such as currency type, the amount of money to be exchanged, etc. are input (S88), and the input contents are input to the database. Thereafter, after the auction end time of the predetermined period, the customer searches for the bidding contents of the exchangers (S90) and selects the exchanger who presents the conditions most favorable to him and approves the transaction (S92).

When the transaction is completed, the credit rating of both the individual member and the exchanger member who completed the transaction is raised (S94), and the program ends.

On the other hand, in the case (S86) in the case of a currency exchange member other than an individual member, by searching the exchange exchange auction list entered by the customer (S96), if a suitable matter is found (S98), input the exchange rate and all the matters for the currency There is a process (S100). The currency exchange transaction conditions entered as described above are valid for 24 hours and after 24 hours of writing (S102), the registered text is automatically deleted (S104). This is because the exchange rate changes every day, so the trading conditions change daily, so the presented exchange rate for more than one day is meaningless.

In addition, if the program is made in the above operation sequence, the exchange exchange auction service is performed, but if the service order of the individual member to the step (S96-S102), and the service order of the exchange member to the step (S88-S90), Since the auction service is made from the standpoint, the service of FIG. 4 is not only able to exchange currency auction service but also currency exchange auction service. Fourth Embodiment (bond bond auction)

The basic concept of the Internet business model according to the present invention disclosed in FIG. 1 is applied to a bond transaction service, which is illustrated in FIG. 5, which allows a person who wants to purchase a bond to buy at a low price and to sell a bond. Was designed to provide reverse auction services to each other to be sold at high prices.

As shown in FIG. 5, when a customer who wants to buy or sell a bond visits a website (www.RichbyRich.com) according to the present invention (S110), goes through a member registration and login process (S112), and the main menu. Click on the bond auction menu (S114).

Thereafter, the customer who wants the service is classified as a bond trade applicant or a bidder (S116), and if the bond transaction applicant is classified as a bond reverse auction applicant or a bond auction applicant (S118). In the step S118, if the applicant is a creditor reverse auction applicant, the steps from step S120 to step S126 are sequentially performed. If the applicant is a bond auction applicant, the steps from step S128 to step S126 are sequentially performed. do.

If the applicant is a reverse reverse auction applicant, write a reverse reverse auction application in which the member wishes to reverse auction, the face value of the bond, the quantity, the maturity date, and the desired transaction amount (S120). Thereafter, after a certain period of auction termination, the member searches for the bidding contents of the bidders who are the owners of the bond (S122), selects a bidder who presents the conditions most favorable to him, and approves the transaction (S124).

When the transaction is completed, the credit rating of both members who completed the transaction is raised (S126), and the program ends.

If it is determined in the step (S118) that the applicant to claim auction service, the member prepares a bond auction application, in which the type of bond desired to be auctioned, the face value of the bond, the quantity, the maturity date, the amount of the transaction and the like (S128). Enter it in the database. After that, the member searches for the bidding contents of the bidders who want to purchase the bond (S130) and selects a bidder who presents the conditions most favorable to him and approves the transaction (S124).

On the other hand, if the bidder in the step (S116), the reverse auction and the auction list entered by the customer is searched (S132), if a suitable item is found (S134), the terms of the transaction, such as bond types, quantities, amounts that can be presented from the bidder side There is a process of inputting (S136).

Fifth Embodiment (Unlisted Stock Station Auction)

The application of the basic concept of the Internet business model according to the present invention disclosed in FIG. 1 to the stock trading service is shown in FIG. 6, which is used when a customer wants a reverse auction service for an unlisted stock.

As shown in FIG. 6, when a customer wanting a non-listed stock transaction visits a website (www.RichbyRich.com) according to the present invention (S140), undergoes a registration and login process (S141), and unlisted among the main menus. Click the stock reverse auction menu (S144).

After the step (S142), the member will apply for a stock trading transaction (S142), at this time to determine whether to meet the criteria for reviewing the reliability of the application (S143), if the criteria meet the next step ( Proceed to S144), and if it does not meet the screening criteria, the application is automatically deleted to be excluded from the transaction. The above criteria are intended to exclude such data in advance when the requested item is very different from the actual transaction price and thus there is no possibility of realizing the transaction or suspects mischief.

When the unlisted stock station auction service is selected in step S144, the trading status of various unlisted stocks entered in the database is searched (S146), and if there is a stock that you want to trade (S148), the stock name is selected and the corresponding stock Search the trading status (S150).

If there is a sell / buy you want to trade (S152), you place an order for the item (S154). If you do not want to trade / sell, register the desired sell or buy (S151).

When the order issued by the consumer in the step (S154) is accepted to the other party and the transaction is concluded (S156), after raising the credit ratings of both members who completed the transaction (S158), the program ends.

In addition, the sell / buy of the unlisted shares registered in the step (S154) and step (S151) is automatically deleted 24 hours after registration (S160) (S162). This is because the stock price fluctuates daily as well as the exchange rate, so it is desirable to delete non-tradable data from the database because the terms of trade over 24 hours are actually meaningless.

The reverse auction business models of various financial fields disclosed in the first to fifth embodiments described above have the following in common.

1) All reverse auction applicants and auction participants (financial institutions, insurance companies / insurers, currency exchangers, bond sellers, unlisted stockholders, etc.) must be registered as members, and both sides are classified and managed separately from the database.

2) In order to secure the credibility of the auction participants, the auction participants are granted membership after confirming the business registration certificate or identification data.

3) Once registered as a member, membership shall be maintained unless it is compulsory.

4) Increase the credibility of the service by dropping the credibility of the Internet business model (www.RichbyRich.com) by uploading mischievous data more than three times and forcibly canceling the members who have damaged the members.

5) Whenever a transaction is completed, the credit rating is increased by one level and the mileage is accumulated for each transaction.

6) When there is no optimized condition, the search operation is repeated to find the most suitable data.

In conclusion, in the past, the user visited a website separately constructed by an information provider, and obtained a desired data for a long time and a cost. However, the present invention integrates financial products and reduces a user's search time. In particular, the reverse auction method is introduced in each of the financial fields disclosed in the first to fifth embodiments to maximize the convenience and mutual benefits of the service users.

Although the above-described embodiments have been described based on the reverse auction concept, they can be easily understood by those skilled in the art and can be sufficiently modified within the scope of the present invention without being limited to the present embodiment.

As described above, the Internet e-commerce business model according to the present invention includes a variety of products (for example, deposits, loans, insurance, currency exchange, etc.) in the field of total finance, each operated as a separate website. Unlisted stocks and bonds) into one superior service and auctions and reverse auctions are applied to each to induce good competition among bidders so that both buyers and suppliers can maximize their economic benefits without spending a lot of time and money. Not only to obtain, but also to guide the location of the financial institution has the effect of minimizing customer inconvenience.

Claims (11)

In e-commerce over the Internet, A method of e-commerce in a comprehensive financial sector, in which financial services, insurance services, currency exchange services, bond services, and unlisted stock services are integrated into one superior service, and auction and reverse auction concepts are applied to each of these services. In e-commerce over the Internet, A consumer connecting to an e-commerce server through the Internet; Confirming whether the consumer is a registered member; If the consumer is a registered member, selecting any one of a plurality of financial services and selecting a reverse auction menu thereof; Inputting a transaction condition desired by the consumer; Automatically searching the bidding contents of the bidders, selecting a bidder closest to the transaction condition, and notifying the buyer; And And if the consumer bids the selected bidder, closing the transaction. The method of claim 2, The financial sector services are Internet e-commerce in a comprehensive financial sector, including financial services including deposits, loans, insurance services, currency exchange services, bond services, unlisted stock services. The method of claim 2, The method further comprises the step of providing additional services by raising the credit ratings of the buyers and bidders in which the deal is concluded. The method of claim 1, wherein the reverse auction service for the financial service Selecting a financial reverse auction service from a main menu by a consumer who wants a service related to a deposit or a loan; A consumer selecting a desired service type from among deposits and loans; If a service type is selected, receiving a desired transaction condition from a consumer and storing the transaction in a database; Automatically searching the bidding contents of the bidders, selecting a bidder closest to the transaction condition, and notifying the buyer; And And if the consumer bids the selected bidder, closing the transaction. The method of claim 1, wherein the reverse auction service for the insurance service Selecting a insurance reverse auction service from a main menu by a consumer who wants insurance services; Receiving an insurance product and a desired trade condition from a consumer, and storing the insurance product in a database; Automatically searching the bidding contents of the bidders, selecting a bidder closest to the transaction condition, and notifying the buyer; And And closing the transaction when the bidder approves the selected bidder. The reverse auction service of claim 1, wherein Selecting a currency exchange auction service from a main menu by a consumer who wants a currency exchange service; Receiving a desired transaction condition such as a currency type to be exchanged from a consumer, an amount to be exchanged, and storing the transaction in a database; Automatically searching the bidding contents of the bidders, selecting a bidder closest to the transaction condition, and notifying the buyer; And And closing the transaction when the bidder approves the selected bidder. The method of claim 7, wherein And the transaction condition input to the database by the consumer is automatically deleted after a predetermined time. 2. The reverse auction service of claim 1, wherein Selecting a bond reverse auction service from a main menu by a consumer who wants a bond service; Receiving a transaction condition for a bond transaction from a consumer and storing the transaction condition in a database; Automatically searching the bidding contents of the bidders, selecting a bidder closest to the transaction condition, and notifying the buyer; And And closing the transaction when the bidder approves the selected bidder. The reverse auction service of claim 1, wherein Selecting a unlisted stock station auction service from the main menu by a consumer who wants a unlisted stock service; Receiving a transaction condition for a non-listed stock transaction from a consumer and storing it in a database; Automatically searching the bidding contents of the bidders, selecting a bidder closest to the transaction condition, and notifying the buyer; And And if the consumer bids the selected bidder, closing the transaction. The method of claim 1, Financial services, insurance services, currency exchange services, bond services, and unlisted stock services, which are integrated into a single higher level service, operate on a membership basis, and provide additional services by raising the credit ratings of members who have completed mutual transactions. Internet e-commerce methods in the field of comprehensive finance.