KR20010107400A - System for providing the information about credit on internet - Google Patents

Abstract

The present invention relates to a credit information providing system for internet commerce; With the trading parties; A system connected to the Internet, comprising: a trader database in which the credit information of the trading party is accumulated; information management software that collects and processes the credit information of the trader and inputs it into the trader database; A service server having information providing software for retrieving credit information relating to said transaction party from said trader database; One of the parties to the transaction will be able to conduct safer transactions by objectively judging the reliability of the other goods or the creditworthiness of the payment. In addition, a low-trust party with respect to the goods will be taken away from the market established by the present invention to create a desirable trading society, such as the delivery of high-quality goods to highly trusted buyers.

Description

System for providing the information on the internet {System for providing the information about credit on internet}

The present invention relates to an internet service, and more particularly, to a credit information providing system for internet commerce.

In commerce over the Internet, a buyer can be provided with the required goods or services without directly visiting the seller, and the seller has less burden of having a store. Buyers will be able to receive goods or services at a lower cost, and may be able to purchase goods without time constraints, which is advantageous. In addition, socially significant logistics cost savings occur.

There may be a business-to-business (BtoB) or a business-to-consumer (BtoC) trading method, which is currently being realized in various ways.

It is obvious that the most important problem in Internet transactions will be the credibility between the parties. The seller must be able to give the buyer or the other seller credibility with respect to the goods or services, and the buyer will also need to give the seller credibility with the settlement amount. The security responsibility of the buyer's credibility is generally assigned to the credit card company.

In any case, the risk arising from the creditworthiness of the buyer is incurred in one or several places in the trading world. For those who take such risks, information about the buyer's credit is extremely demanding.

On the other hand, the buyer pays to the operator in a lump sum or a divider using a credit card, the operator can receive payment from the credit card company after several days.

In this way, the operator cannot be compensated for interest that occurs in the period from the time of shipment and delivery of the goods to the payment of payment. In other words, interest until settlement becomes the cost of loss. The burden is then granted to the trading party.

In view of the above problems, it is an object of the present invention to provide a credit information providing system that provides credit information to one party so that transactions can be executed after checking the creditworthiness of the trading parties in Internet commerce. The present invention further seeks to provide a system that enables parties to transact to verify mutual trustworthiness. The present invention further provides an Internet credit information providing system that compensates for interest loss of a seller or seller based on the above credit rating.

1 is a configuration diagram of an entire system according to the present invention.

The above object is achieved by trading parties performing commerce over the Internet; A system connected to the Internet, comprising: a trader database in which the credit information of the trading party is accumulated; information management software that collects and processes the credit information of the trader and inputs it into the trader database; Is achieved by a credit information providing system comprising a service server having information providing software for retrieving credit information relating to the trader database and providing it to one of the trading parties.

In the present invention, the object of collecting the information collecting software is a member / non-member according to whether or not to register with the service provider server, and in the collecting method, hardware from off-line rather than on-line. Can be by enemy input.

According to another feature of the present invention, the credit information providing system further includes a financial settlement system for providing the seller with the payment of the payment without time interval based on the credit information.

Hereinafter, with reference to the accompanying drawings an embodiment of the present invention will be described in more detail.

1 is a configuration diagram of an entire system according to the present invention.

The purchaser 2 and the sales person 4 and 6 are capable of system communication via the Internet. The buyer can purchase goods from a virtual store built in the seller's site. On the other hand, transactions between the operators (4, 6) is also made through the Internet.

The service server 8, which is held by the credit information provider, provides the counterparties' creditworthiness to the buyers 2 and / or the sellers 4, 6 via the Internet.

To this end, the service server 8 undergoes a credit evaluation according to a trader database 10 for establishing credit information of a trading party and external data or transaction details, and then converts the information into data into the trader database 10. Management software

(12) and information providing software 14 for providing the creditworthiness of the specific trading party, which is input to the trading database 10, at the request of one of the trading parties.

Here, the sales person 4 may request the service server 8 for the payment creditworthiness of the specific purchaser 2 who requests the purchase. The form of credit rating can be expressed as the credit limit amount (for example, OOO Won (\), XXX Dollar ($), etc.), and after setting certain criteria, it can be displayed as a grade (Class A, Class B, etc.). Could be Alternatively, it may be possible to provide only objective data on what transactions have been in the past so that the operator can make a direct judgment.

According to the present invention, a predetermined market may be constructed by grouping the trading parties registered as members in the service server 8. The market may be configured in the same industry or between the trading fields where frequent trading activities occur.

Transaction details of the members registered in the service server 8 are automatically stored in the trader database by being checked by the information management software 12. In other words, the information management software makes a database by recording all payments made in the market in memory.

The above record may include a claim from the buyer for the goods, not just the payment situation. That is, the trader database 10 includes a goods information database. In this way, trading partners who are building good credit from long transactions can purchase better products or improve their sales.

The trader database 10 according to the present invention may further include a trader database so as to provide general information about the trader in addition to the information on the buyer and the goods.

According to another feature of the present invention, the credit information providing system further includes a financial settlement system 16 that immediately pays the sales price (S10) to the seller or seller. The financial settlement system 16 preferably pays the amount online, and subsequently receives the amount from the bank 18 or the credit card company that deals with the buyer (S20).

Here, the financial settlement system 16 determines whether or not the payment is made based on the credit rating provided by the information providing software.

Although the above described transaction is performed in a market composed of members, another feature of the present invention allows the use of credit information established by the service server 8 even in the case of non-members.

In other words, the non-member can access the service server and obtain free / free credit information about a particular business owner or buyer from his database.

Meanwhile, the information management software may collect transaction data from not only online transactions but also offline transactions, and accumulate them in the trader database (S30).

Hereinafter, the service server according to the present invention may provide other services in addition to the above contents. Additional services provided may include chat rooms, economic news, stock information services, and the like between participants.

According to the system as described above, one party of the transaction through the Internet can objectively determine the reliability of the other goods or the creditworthiness of the payment, it is possible to conduct safer transactions. In addition, a less reliable trading party with respect to the goods is taken away from the market established by the present invention, so that a desirable trading society can be created, such as quality goods being delivered to a highly trusted buyer.

In addition, according to the financial settlement system according to the present invention, the operator is able to make an immediate payment and occupy an advantageous position in the fund rotation. This is a more beneficial system for SMEs suffering from financial difficulties.

Claims (3)

A trading party conducting commerce via the Internet; A system connected to the Internet, comprising: a trader database in which the credit information of the trading party is accumulated; information management software that collects and processes the credit information of the trader and inputs it into the trader database; And a service server having information providing software for retrieving credit information about the transaction information from the trader database and providing it to one of the trading parties. The system of claim 1, wherein the trader database further comprises at least one of a reliability database of goods provided by a trader and a general information database of the trader. According to claim 1, On the basis of the credit information by the information providing software, after the transaction acts to pay the goods immediately to the seller, the goods payment is a financial settlement system that is later retrieved from the bank that deals with the buyer Credit information providing system through the Internet, characterized in that it further comprises.