JP2002207949A - Guarantee insurance processing system, and method and device for guarantee processing of electronic transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To process operation for guarantee insurance which expands the concept of conventional guarantee insurance and is flexibly adaptive to contracts of various styles. SOLUTION: Before a contract of electronic transaction carried out between many consumer terminals 30 and an electronic store 20 through a public communication network NET is made, data regarding the electronic store 20 and predicted transaction amount data are obtained from the electronic store 20 which desires to participate and before the contract of the electronic transaction is made, data regarding a consumer are obtained from a consumer terminal 30 who desires to be registered; and a premium and an insurance amount to be guaranteed are calculated according to the predicted transaction amount data. If the obligation goes into default after the contract of the electronic transaction is made, data regarding the contact whose obligation goes into default are obtained from the consumer terminal 30 and it is decided whether the insurance can be paid to the consumer according to the data regarding the contract and data regarding the electronic store 20.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a guarantee insurance processing system for processing new guarantee insurance, and a guarantee processing method and apparatus for performing new guarantee processing for electronic commerce.

[0002]

2. Description of the Related Art Conventionally, guarantee insurance is one in which an insurance company guarantees performance of a contract between two specific parties. When a contract between two parties, for example, an order contractor (creditor) and a contractor (debtor) is concluded, after the contract contract is concluded, the insurance company changes the contractor with the insurance contractor. The insurance contract is concluded, and the premium calculated based on the remuneration of the contract is collected from the contractor.
If the contractor does not fulfill the obligations of the contract, the insurer is obliged to fulfill the obligations to the orderer and guarantees the debtor to the orderer, while collecting the receivables from the contractor. . In this way, conventional guarantee insurance is based on the assumption that there is a debt due to the conclusion of a contract (obligation of debt),
In such a guarantee insurance processing system, the insurance premium to be collected from the policyholder can be determined based on the reward, and the processing can be performed with a simple algorithm.

[0003]

However, in such a conventional guarantee insurance, the form of the guarantee is determined.
There is a problem in that it is not possible to sufficiently cope with current complicated transactions because the guarantee range is limited.

[0004] For example, electronic commerce via public communication networks, such as the Internet, has been actively performed at present. However, after a sales contract is concluded, after the buyer pays for the goods, the goods are delivered to the buyer. In some cases, the seller may not respond properly when the product is not received, another product arrives, or the product is damaged.In such cases, it is pointed out that there are few means to protect the buyer in such cases. I have. In order to solve such problems, it is conceivable to apply conventional guarantee insurance to the buyer to guarantee the sales contract. Therefore, the insurance contract must be concluded by specifying the insured person, the processing becomes complicated, and there is a problem that electronic commerce, which is characterized by simplicity, is hindered.

[0005] The present invention has been made in view of such a conventional problem, and its object is to expand the conventional concept of guarantee insurance.
An object of the present invention is to provide a guarantee insurance processing system capable of processing guarantee insurance operations flexibly corresponding to various types of contracts.

Another object of the present invention is to provide a guarantee processing method and a guarantee processing apparatus capable of guaranteeing electronic commerce performed through a public communication network.

[0007]

In order to achieve the above object, a guarantee insurance processing system according to the present invention provides a guarantee insurance process for guaranteeing a contract established between a user and a specific trader. In the system, before the contract is concluded, data relating to the specific trader who joins the guarantee insurance and expected debt amount data of the contract are input and stored as insurance contractor data in the storage means. Trader registration receiving means, insurance calculation means for calculating the insurance premium to be collected from a specific trader and the insurance amount guaranteed to the user based on the expected debt amount data of the contract, and , The data on the defaulted contract is received from the user, and the data on the contract and the insurance policy stored in the storage unit are received. User data based on the provided and insurance payment determination means for determining whether payment of insurance to the user are possible, a.

[0008] In the guarantee insurance process performed by this guarantee insurance processing system, before a contract between the user and the specific trader is established, the specific trader joins the guarantee insurance in advance and becomes an insurance contractor. . That is, before a contract is made between the user and the specific trader, insurance contractor data of the specific trader who is the insurance contractor is stored in the storage means of the guarantee insurance processing system. At the time of entering data about the trader, the contract has not been concluded, and the debt amount of the contract is unknown. Therefore, the insurance premium calculation means inputs the expected debt amount data, and based on the expected debt amount data,
Calculate the premium to be collected from a specific trader. Thereafter, if a contract is made between the user and the specific trader and the contract defaults, the insurance payment determination means
It is determined whether a guarantee should be made based on the contract data and the policyholder data stored in the storage means.
If it is determined by the insurance payment determination means that a guarantee should be made, the debt is guaranteed to the user,
Pay insurance money. As described above, in the present system, unlike the conventional insurance, unlike the conventional guarantee insurance, the system guarantees the obligation for the future contract between the user and the specific trader. It is not necessary to perform the guarantee contract processing, and it is possible to flexibly cope with contracts in various modes.

[0009] Further, it is possible to further comprise a subscription availability determining means for determining whether or not the business operator who wants to participate in the insurance is capable of subscribing. At the time of subscription, a contract has not yet been established between the user and the specific trader, and it is uncertain what kind of contract will be made in the future. Therefore, in order to be able to safely perform the guarantee process in the future, it is preferable to determine whether or not the trader can subscribe by using the subscribing determination unit. As a condition for determining the participation, for example, transaction status data that the trader performs now or in the future can be referred to. Also, at that time, the determination can be made based on data stored in a database on an organization collected by a third party, and whether the trader is an organization stored in the database,
In the case where it is stored, how much the evaluation is can be added to the determination condition.

[0010] The trader registration receiving means acquires debt amount data of past contract results from the trader and calculates expected contract amount data of the contract based on debt amount data of past contract results. Good. In this system, the insurance premium calculating means calculates the insurance premium to be collected and the insurance money to be guaranteed based on the expected debt amount data before a contract is made between the user and the specific trader. It is important to accurately forecast the expected debt amount data. By calculating the expected debt amount based on the past performance by the transaction registration receiving means, it is possible to make a more accurate prediction.

Further, the contractor obtains contract amount debt amount data from the specific business partner, and, for each predetermined period, based on the contract result debt amount data, the insurance premium to be collected from the specific business partner and / or the insurance amount to be guaranteed. It is advisable to provide a means for reviewing insurance premiums. Since the expected debt amount data may differ from the actual debt amount data, the insurance premium and / or the insurance amount may be changed in conjunction with the actual result. The debt data of the contract result is
It may be transferred from a sales database managed by a specific trader.

[0012] The data relating to the specific trader may be input from a terminal under the control of the specific trader via a public communication network. When a specific trader wants to subscribe, by inputting data through a public communication network, the subscribe process can be performed quickly and timely.

[0013] The contract between the user and the specific trader may be established through a public communication network. By guaranteeing a contract made through a public communication network, the user can have a sense of security about the conclusion of the contract, while a trader can give such a sense of security to the user, It is possible to promote contract conclusion. The trader can be a business operator who runs an electronic store, and the contract established between the user and the trader can be a sales contract by electronic commerce. Public communication networks include networks using the Internet, digital broadcasting, cable television, and the like.

The storage means stores display data of a mark indicating that it is a policyholder of insurance insurance, and displays a specific trader's display page for making a contract with a user.
The display data stored in the storage means may be read to display a mark. Accordingly, when the user makes a contract with the trader, the mark is displayed on the display page of the trader, so that the trader is known to be an insurance contractor, and the trade can be made with confidence. Further, when the trader is no longer a policyholder, the display data corresponding to the trader is deleted from the storage means of the guarantee insurance processing system, so that the mark is not displayed on the display page of the trader. , Mark can be prevented from being illegally used.

[0015] It is preferable that a part of the policyholder data of the specific trader is embedded in the display data.
From the display page of the trader, the user not only knows that the trader is a policyholder by the mark, but also knows some data of the policyholder data, for example, information such as the validity period of the guarantee insurance. Will be able to do it.

Further, before the contract is concluded, a user registration accepting means for inputting data relating to a large number of users using the system and storing the data as insured data in the storage means may be provided. The insured, that is, the guaranteed user, can be unregistered, or can be specified by registration. By registering this user before the contract is concluded, it is possible to guarantee the future contract and not to perform the guarantee contract process every time the contract is concluded.

Further, the data relating to the user may be input from a terminal under the control of the user via a public communication network. When a user wishes to register, for example, immediately before conducting electronic commerce with a trader, data is input via a public communication network so that the registration process can be performed quickly and timely. Can be.

Further, the guarantee processing method according to the present invention is a guarantee processing method for e-commerce, which guarantees e-commerce between a large number of consumer terminals and an e-commerce store via a public communication network. Before the electronic commerce contract is concluded, data relating to the electronic store and the expected commercial transaction amount data are obtained from the electronic store desired to join, stored in the storage means, and registered from the consumer terminal before the electronic commerce contract is concluded. Data on the desired consumer is obtained and stored in the storage means, and based on the expected commercial transaction amount data, the insurance premium and the insurance amount guaranteed to the consumer are calculated. In this case, the data relating to the defaulted electronic commerce is obtained from the consumer terminal, and the data relating to the electronic commerce is stored in the storage means. Based on data on consumer stored in the data and the storage means relating to determine whether the payment of insurance to the consumer possible.

Further, it is also possible to obtain the actual transaction amount data from the electronic store and change the insurance premium and the insurance amount from the actual transaction amount data.

Further, the guarantee processing device according to the present invention is a guarantee processing device for electronic commerce which processes guarantee business of electronic commerce performed between a number of consumer terminals and an electronic store via a public communication network. , Storage means, and before the electronic commerce contract is concluded, electronic store registration accepting means for inputting data relating to the electronic store and expected commercial transaction amount data from the electronic store desired to join, and storing the data in the storage means; Before the contract of the commercial transaction is completed, data relating to the consumer who wishes to register is input from the consumer terminal, and the consumer registration receiving means stored in the storage means, and the insurance premium and the consumer are provided based on the expected commercial transaction amount data. A premium calculating means for calculating the insurance amount to be guaranteed; and a default terminal from a consumer terminal when a default occurs after the e-commerce contract is concluded. To get the data related to commerce,
An insurance money for determining whether it is possible to pay an insurance money to the consumer based on the data on the electronic commerce, the data on the electronic store stored in the storage means, and the data on the consumer stored in the storage means Payment determination means.

Further, there may be provided an insurance premium review means for varying the insurance premium and the insurance amount from the actual transaction amount data.

In e-commerce, after a consumer orders a product or the like from an electronic store and pays for the product, there are troubles such as a failure to receive the product, etc., a delivery different from the order, or a defective product. In the case where the electronic store does not solve the trouble and does not fulfill the obligation, the electronic business can be guaranteed by paying the insurance money to the consumer.

The present invention is not limited to the embodiments described in the specification, but can be variously modified within the scope of the claims.

[0024]

Embodiments of the present invention will be described below with reference to the drawings.

FIG. 1 is a block diagram showing a warranty insurance system and an electronic commerce system of the present invention. In FIG. 1, reference numeral 10 denotes a warranty insurance processing system, 20, 20,.
Is an electronic store that sells goods through a public communication network such as the Internet, and 30, 30,... Are consumer (user) terminals that purchase goods or services from the electronic store through the public communication network. is there.

The warranty insurance processing system 10 includes a WWW server 12 and a database server 14. FIG.
FIG. 2 is a block diagram of the configuration of the WWW server 12. WWW
The server 12 has a control unit including a CPU, and the control unit operates based on a program stored in a main memory including a ROM and a RAM. Further, in addition to a memory unit in which various databases and tables are stored, a display unit such as a CRT or an LCD, an input unit such as a keyboard and a mouse, and an input / output control unit that inputs and outputs data to and from a communication network are provided.

FIG. 3 is a functional block diagram of the guarantee insurance processing system 10 for processing the insurance business. In the figure, the WWW server 12 includes a communication interface unit 120, a database interface unit 122, an electronic store registration reception unit 124, and various functions executed by the control unit based on various programs stored in a main memory.
Electronic store underwriting section 126, premium calculation section 128, premium review section 130, consumer registration reception section 13
2. Insurance claim determination unit 134, consumer registration update unit 136
It has. Further, the storage unit of the WWW server 12 includes:
Mark management database 152, terminals 26, 30 described below
Is provided with a database 154 in which various page files defining data of a web page (display page) to be displayed on the display unit are stored.

The storage unit of the database server 14 of the guarantee insurance processing system 10 is provided with a policyholder database 142, an insured person database 144, an online store sales database 146, and a group database 148.

The insurance contractor database 142 records data relating to a business operator who runs an online store that has become a policyholder by joining the guarantee insurance. Specifically, data related to e-shops include insurance policy number, organization name, representative name, person in charge, product, address, telephone number,
Fax number, e-mail address, group number, and other data about the attributes of the business operator, insurance coverage, insurance premiums, insurance premiums, contract date, contract period, expected monthly sales, review premiums, and other insurance Data about a contract can be illustrated. Here, the group number is associated with a group number stored in a group database 148 to be described later. If the business operator operating the electronic store is a group not stored in the group database 148, Is
It becomes empty data.

The insured person database 144 records data on consumers who have registered for this guarantee insurance and have become insured. Specifically, as data relating to the consumer, fields such as the insured number, name, address, telephone number, fax number, e-mail address, registration date, registration expiration date and the like can be exemplified.

In the electronic store sales database 146, data from a sales database 242 of the electronic store 20 described later is transferred, and data on sales for each electronic store is recorded. Specifically, as data on sales,
The sales date (sale date of the sales contract), the sales product, the price, the price paid flag, the buyer name, and the insured person number can be exemplified. The purchaser name is associated with the consumer recorded in the insured person database 144 by the insured person number.

In the group database 148, data on the group transferred from a database collected by a third party which handles group information of companies and the like is recorded. Specifically, data on organizations include organization numbers,
Fields such as an organization name, a representative name, a business type, an address, a telephone number, a fax number, a sales record, and an evaluation can be exemplified. The organization number is a number assigned by a third party. The evaluation is an evaluation made by a third party, and is ranked, for example, from A to D.

These databases 142 to 148
May be stored in the WWW server 12, but in this embodiment, in order to enhance security, it is stored in a separate database server 14, and these servers 12, 14 are connected via a private network. Have been. Of course, the present invention is not limited to this, and it is also possible to configure with a larger number of servers, and it is also possible to distribute not only the database but also the functions of the units 124 to 136.

Further, the warranty insurance processing system 10 includes:
Data necessary for performing the processing of each unit in FIG. 3, such as insurance insurance participation conditions and precautions for registering with a consumer, are stored.

Each electronic store 20 has a WWW server 22 and a terminal 26. WWW server 2 of electronic store 20
The storage unit 2 stores a product database 240, a sales database 242, and a database 2 for storing various data.
46 and the like are stored. In the product database 240, data on the product sold at the online store 20 is recorded. Specifically, as data relating to a product, fields such as a product ID, a product classification, a product name, a sales amount, and a stock quantity can be exemplified. In the sales database 242, sales ID, sales date (sale date of contract), sales product, price, price paid flag, buyer name, address,
Fields such as telephone numbers, fax numbers, email addresses, etc. can be exemplified.

However, the configuration of the electronic store 20 is merely an example, and the present invention is not limited to such a configuration. Each electronic store 20 does not have to own and manage the dedicated WWW server 22.

Here, the electronic store includes not only a store operated by a single business operator but also a so-called electronic mall in which a plurality of business people are gathered under a certain manager. In an electronic mall, there are individual electronic stores operated by a plurality of business operators. Even in the case where the entirety of the electronic mall participates in this insurance, the insurance contractor database 142 may store data of a person who is a subject of a sales contract with a consumer.

The WWW server 12 and the WWW server 2
2 is a public communication network NET such as the Internet
And is accessible from the terminal 26 or the terminal 30 via the network NET. The terminals 26 and 30 each include a display unit such as a CRT and an LCD, and an input unit such as a keyboard, a numeric keypad, and a mouse, in addition to a control unit, and exchange data with the WWW servers 12 and 22 via the public communication network NET. It has a browser for browsing the data transmitted and received and transmitted from the WWW servers 12 and 22 on the display unit.

The warranty insurance processed by this system is shown in FIG.
As shown in the figure, the electronic commerce performed between the electronic store 20 and the consumer terminal 30 via the public communication network NET, that is, the execution of the sales contract is guaranteed.
What is important here is that, unlike the conventional guarantee insurance, the business operator who operates the online shopping mall 20 performs a joining process on the system before a sales contract with the consumer is established. That is, the business operator who operates the online shopping mall 20 requests the insurance company to guarantee future sales contracts, and the processing performed in this system is an exception in that it is an exception to the obligatory nature of debt. It is typical. The electronic merchant 20 who has subscribed to this system obtains permission to use the specific mark indicating that the guarantee can be obtained from the insurance company, and presents the specific mark to the consumer. On the other hand, consumers are also required to perform registration processing on this system before conducting business with the electronic store 20 in order to be guaranteed by this warranty insurance, and to obtain insurance if necessary. Make a claim on the system. In this embodiment,
These processes are automatically performed via the public communication network NET. Hereinafter, these processes will be described in detail.

1. Electronic Store Registration Process At the terminal 26 of the electronic store 20, the public communication network NE
When the website of the WWW server 12 is designated via T, an insurance company homepage screen as shown in FIG. 5A is displayed, and a “guaranteed insurance” button is selected (or a mouse or the like). The same applies to the following when clicked by the input means), and the screen shifts to the warranty insurance menu screen of FIG.
When the button is selected, the screen shifts to the insurance summary display screen of FIG. 5C. On this display screen, it is preferable that an approximate insurance premium table be displayed in addition to the outline and mechanism of the insurance, so that an outline of what the user can get by paying roughly can be confirmed. Further, a document file describing a detailed outline is displayed on the screen, and the document file can be opened. In addition, an "estimate request" button for proceeding further is displayed.

When an "estimate request" button is selected from the terminal 26, an underwriting check sheet is displayed on the screen. A plurality of examination items are listed in the underwriting check sheet. This examination item is used by the online shopping mall underwriting unit 126 to determine whether or not the business operator who operates the online shopping mall 20 is a person who is suitable for becoming a policyholder of the guarantee insurance. The following can be exemplified as examination items.

[0042]

[Table 1] As shown in the above table, whether or not the business operator of the online shopping mall 20 complies with the minimum guidelines and legal regulations is used as the examination item. When answers to the above examination items are input from the terminal 26 and the "OK" button is selected, these answer data are transferred to the WWW server 12, and these answer data are temporarily stored in the storage unit. Then, the online store underwriting unit 126 is activated. The electronic store underwriting section 126 determines whether or not a business person of the electronic store 20 can subscribe based on the response data. FIG. 9 shows a flowchart of the process. From all the answer data, the points are scored according to the answer on the right side of the above table (A: 5 points, B: 3 points, C: 1 point), and the total score is calculated (step S902). Next, it is determined whether or not the total score is equal to or more than a predetermined score (step S904). If it is not possible to join, the contact and the reason are displayed on the terminal 26 for the person desiring the detailed explanation (step S9).
06).

If it is possible to join, the insurance premium calculation unit 128
Is activated, and insurance premium calculation processing is performed. The premium calculation unit 128 calculates the premium based on the answer data, and its flowchart is shown in FIG. Taking the examination item in the above table as an example, the electronic store 2
Since an average monthly sales amount of 0 has already been obtained, a plurality of plans are created based on the average monthly sales amount. First, the average monthly sales amount is multiplied by 12 to obtain the expected annual sales amount (step S100).
2). Next, a plurality of plans including an insurance amount obtained by multiplying the expected annual sales amount by several guarantee insurance coefficients and an insurance premium obtained by multiplying the insurance amount by the insurance rate are obtained (step S1004). In the example of FIG. 10, the guarantee insurance coefficient is 0.5 for Plan 1, 0.7 for Plan 2, and 1.0 for Plan 3.
, But can be any number and can be 1 or less or 1 or more. However, it is preferable not to set a plan with a guaranteed insurance coefficient considerably smaller than 1, that is, a plan with an insurance amount that is too small. The reason is that a small insurance amount is advantageous as a business operator of the online shopping mall 20 because the insurance premium is small, but the insurance amount is small, so the debts that must be guaranteed are small. This is because the total number of products must be larger than the insurance amount, thereby avoiding a situation where consumers are not guaranteed. Therefore, this guarantee insurance coefficient is calculated by taking into account the expiration date of the claim from the date of the sales contract until the consumer can claim the insurance (claim expiration date <1 year). It is better to be more than the product of the rates. Here, if the expected annual sales amount is lower than the predetermined amount, a predetermined fixed minimum insurance premium is
It can also be an insurance premium. In this case, the insurance amount may be the expected annual sales amount. As shown in FIG. 6E, the respective insurance amounts and premiums of the obtained plans are displayed (step S1006), and it is determined whether the plan is selected and the contract request button is selected (step S1008). ).

When the contract request button is selected, the flow advances to step S1102 in FIG. 11, and a registration screen as shown in FIG. 6F is displayed. The registration screen is a screen that prompts the input of business attribute data such as the business name, representative company name, person in charge, product, address, telephone number, fax number, and e-mail address. At the same time, the user is required to enter an organization number assigned by a third party. When the input from the terminal 26 is completed and the registration button is pressed, the electronic store registration accepting unit 124 is activated, and the electronic store registration accepting process is performed. The electronic store registration receiving unit 124 acquires data on a business operator of the electronic store 20.
The input data is transferred to the WWW server 12,
It is stored in the storage unit in association with the previous answer data.
Then, it is determined whether or not the input business operator is an organization stored in the organization database 148 (step S1106). The determination is made using the group number or the name of the business person as a key. If it is determined that the group is stored in the group database 148, the input data is matched with the data stored in the group database 148 (step S1108).
It is determined whether the organization is a real organization (step S1)
110). In order to perform reception through the public communication network NET, it is possible to confirm whether or not the electronic store 20 really exists by using data of a socially recognized third party. Even in the case of a real business person, there is a case where it is not stored in the group database 148. In this case, the real business is confirmed by a separate procedure (step S1112).

When the existence is confirmed, the fact that the application has been accepted is displayed on the screen of the terminal 26 together with the application contents as shown in FIG. 6 (g) (step S1114), and the input data and the answer data are displayed. Policyholder database 14
2 (step S1116). If an electronic signature can be used on this registration screen, a contract is immediately established. Alternatively, the contract may be made after printing the application content shown in FIG. 6 (g) displayed on the terminal 26 and mailing the printed application to the insurance company.
After the contract is concluded, as described later, the online shopping mall 20
Get permission to display certain marks on your web page.

The above processing is fundamentally different from the processing in the conventional insurance contract in that only the policyholder is specified and stored in the policyholder database 142, and the insured is not specified. I have.

2. Consumer Registration Process Next, a registration process from a consumer who is an insured person will be described. In this embodiment, the consumer is required to register in advance in order to be guaranteed by the warranty insurance. However, this requirement is not essential, and consumers can be all unspecified majority.

When the consumer terminal 30 is connected to the WWW server 12 via the public communication network NET,
When the “user registration” button is selected from the terminal 30 on the warranty insurance menu screen of (b), the screen shifts to the insurance summary display screen of FIG. Alternatively, when the registration is completed and the mark is clicked on the web page of the online shopping mall 20 permitted to use the specific mark,
The screen shifts to the insurance summary display screen of FIG. 7H linked to the mark. On this display screen, in addition to the outline of the insurance, precautions, for example, matters required of the consumer in the event of an accident, are displayed, and an "agree" button is displayed.

When the "Agree" button is selected from the terminal 30, a registration screen shown in FIG. 7 (i) is displayed. The registration screen is
The screen prompts entry of consumer attribute data such as name, address, telephone number, fax number, and e-mail address. When the input from the terminal 30 is completed and the “registration” button is selected, the consumer registration receiving unit 132 is activated, and the consumer registration receiving process is performed. The consumer registration receiving unit 132 acquires data on consumers. The input data is transferred to the WWW server 12 and stored in the insured person database 144 as the insured person. At the same time, the completion of the registration is displayed on the screen of the terminal 30. In the case of consumers, no special screening is required,
In addition, there is no collection of insurance premiums, so all applicants can register. Next, an insured person number is assigned, and the registration expiration date is set to a predetermined period from the registration date, for example, 6
A month is set, an e-mail notifying the insured person number and the registration expiration date is created, and transmitted to the input e-mail address.

The consumer registration update unit 136 periodically searches the insured person database 144 to extract the data whose registration expiration date has expired or the data whose registration expiration date is about to expire, and sends the e-mail of the consumer. Send an e-mail to the address to renew the registration. Terminal 30 that received the email
When the user designates the URL displayed in the e-mail or selects the “registration update” button in FIG.
The same insurance summary, precautions, and "Agree" button as in (h) are displayed. Here, the insurance summary and precautions are displayed again to urge the consumer to reconfirm. Next, the process proceeds to FIG. 7 (j), and prompts for the input of the insured person number and name. When the insured person number and name are input, data having the insured number and name input from the insured person database 144 is extracted. If there is no corresponding data, an error message is displayed. On the other hand, when the corresponding data exists, the contents of the data are called and displayed as shown in FIG. 8 (k), and the user is prompted to change the changed portion. When the "Update" button is displayed,
The registration expiration date is set to a predetermined period from the renewal date, for example, six months, and the insured person database 144 is updated.

3. Electronic Commerce Between Consumer and Electronic Store As described above, the registered electronic store 20 must display a specific mark on its own web page to indicate that it is a contractor of this insurance policy. Is allowed.

As shown in FIG. 12, in the mark management database 152 of the guarantee insurance processing system 10, for each business of the electronic store 20 that has become a policyholder, the image data of the mark and the image data are embedded in the image data. A part of data of the contract contents such as the contract period of the insurance contractor is stored. The embedding of a part of the contract content in the image data can be performed by a digital watermarking technique. A part of the data of the contract content is linked with the data stored in the policyholder database 142.
Then, in the page file of the web page of the online shopping mall 20, a URL indicating a location where the mark and a part of the data of the contract content are stored is specified. Consumer terminal 3
When the user browses the web page of the online shopping mall 20 from 0, a specific mark is displayed. In addition, by incorporating a function of viewing the digital watermark character embedded in the mark in the browser of the consumer terminal 30, a part of the contract contents such as the contract period can be viewed.

When the insurance contract with a certain insurance contractor expires or is canceled, the data related to the corresponding electronic store 20 in the mark management database 152 is deleted, so that the Web of the electronic store 20 is deleted. Marks are erased from the page in real time. Further, even when the contents of a contract with a certain insurance policyholder are changed, by changing data related to the corresponding electronic store 20 in the mark management database 152, the contract contents viewed from the web page of the electronic store 20 can be changed. Is changed in real time.

Thus, the consumer can use the terminal 30
By seeing a specific mark displayed when browsing the web page of the electronic store 20, it is possible to know that the business operator of the electronic store 20 has contracted this warranty insurance,
It becomes possible to purchase products and the like from the electronic store 20 with confidence.

The consumer places an order for a product or the like on the web to the electronic store 20 by a usual method, and establishes a sales contract. In the online store 20, data on sales is stored in the sales database 242 each time a sales contract with a consumer is made. At the same time, the data stored in the sales database 242 is
It may be sent to the electronic store sales database 146 at the same time.

The consumer pays the price by any means such as card payment, transfer or cash on delivery. When it is confirmed that the price has been paid, the sales database 2 of the online shopping mall 20
The price paid flag of 42 is set to “finished”. At the same time, the electronic store sales database 14 of the guarantee insurance processing system 10
6 may be updated in the same manner.

Thereafter, if the product or the like has not arrived, the product or the like different from the order has arrived, or the product has been defective, the consumer negotiates with the business of the electronic store 20 and Request for the exchange of goods, exchange of goods, etc., and repayment of the price. However, if the negotiations are not well organized and there is a problem between the consumer and the online store, the consumer makes an insurance claim as described below.

4. Claim Receipt When the consumer's terminal 30 is connected to the WWW server 12 via the public communication network NET and the “claim acceptance” button is selected from the terminal 30 on the warranty insurance menu screen of FIG. The screen shifts to the sales contract cancellation screen of FIG. 8 (l) (step S1302 of FIG. 13).
First, in order to be guaranteed by this insurance, it is necessary to cancel the sales contract that paid for it. The purchase contract cancellation screen is a screen for prompting the input of the insured person number, the name of the purchaser's electronic store, the purchaser's electronic store URL, the purchase contract date, the purchase product name, the purchase price, the payment date, and the release reason. . When the input from the terminal 30 is completed and the “OK” button is selected, the insurance payment determination unit 134 is activated, and the insurance payment determination processing is performed. Insurance payment determination unit 134
Is to determine whether the claims from the consumer are valid. The input data is transferred to the WWW server 12, and is temporarily stored in the storage unit. The insurance payment determination unit 134 determines, for example, the following items based on the input data.

1) Whether the sales contract date is within the registration expiration date of the insured person 2) Whether the period from the sales contract date to the claim acceptance date is within the claim expiration date of the guarantee insurance 3) Purchase Destination electronic store name is insurance policyholder database 14
4) Whether the purchase contract date is within the warranty contract period of the electronic store 5) Whether the purchased product is a product covered by the warranty insurance 6) Payment 7) Whether the cancellation reason is the reason for the warranty insurance (example of cancellation reason: product not arrived, product difference, defective product) All electronic stores are stored in the electronic store sales database 146 of the warranty insurance processing system 10. When the sales data from the store 20 has been transferred, the input items on the sales contract cancellation screen in FIG. 8L can be reduced. For example, only the insured person number and the sales contract date can be input. By receiving the data, the electronic store sales database 146 is searched to extract data in which the consumer corresponding to the insured person number is the purchaser and the sales contract date is the input date. List display It is also possible. Then, the user can select a corresponding sales transaction from the list display. If all of the above determination items are YES, it is determined that the claim is valid (yes in step S1304).
s), a sales contract cancellation notice is created based on the input data, and this sales contract cancellation notice is transmitted to the business operator of the corresponding online shopping mall 20 (step S1306). After a predetermined period has elapsed, an e-mail for confirming the current state is transmitted (steps S1308 and S1310). If it is determined in step S1304 that the request is not valid, a message to that effect, the reason, and a contact for the detailed description are displayed on the terminal 30 (step S131).
2).

If there is no reply from the business operator, or if the reply does not solve the problem, after the assessment process by the department in charge, the insurance money is paid to the consumer. The amount of insurance will be equal to the price paid by the consumer. After that, a fee is charged to the electronic store 20 and the warranty insurance contract with the electronic store 20 is canceled. At the same time, the data related to the electronic store 20 is deleted from the mark management database 152, so that a specific mark is not displayed on the web page of the electronic store 20. This can prevent consumers from erroneously transacting with the insurance policyholder.

5. Review of insurance premiums As explained in the item of “1.
The plan including the insurance amount and the insurance premium created by the insurance premium calculation unit 128 has been determined based on the expected annual business amount of the electronic store 20. However, the sales of the electronic store 20 do not always change as expected during the insurance contract period. We must avoid situations where sales are higher than expected and the obligations of the sales contracts covered by the guarantee exceed the insurance amount. Guarantee insurance processing system 10
The insurance premium review unit 130 is activated every predetermined period to review the insurance premium and the insurance amount in order to avoid such a situation. FIG. 14 shows the insurance premium review unit 13.
It is a flowchart figure showing the process performed in 0. First, the policyholder database 142 is searched to extract policyholders whose insurance premiums are to be reviewed (step S140).
2). The premium review target can be, for example, a policyholder whose period from the contract date to the current date is a fixed period (for example, 2 months) × n (n is a natural number). The date can be set to a date that is a certain period before the date. Next, the online store sales database 14
6, the data of the extracted contractor is retrieved, all the sales data of the contractor during the review period are extracted, the total is calculated, and the average monthly sales is calculated (step S1404). Next, the insurance amount is corrected based on the total. For example, at the time of subscription, the expected annual sales is Y ₀ yen (Y ₀ = M ₀ × 12, M ₀ :
Average monthly sales), and the insurance amount is (Y ₀ × guarantee insurance coefficient)
Circle, insurance premium is assumed to be _zero yen P. Then, two months later, the sum of the actual sales data for two months and was determined the average monthly sales, a ₁ yen M, and is an M ₁ ≠ M _0. If it is assumed that the sales will continue at this rate, the annual sales will be different from the expected annual sales. In this case, the insurance amount and the insurance premium are corrected, and several methods are conceivable as the correction method.

(Correction 1) The insurance amount Y ₁ is calculated as follows: Y ₁ = M ₁ × 1
The insurance premium P ₁ is a value obtained by multiplying Y ₁ by a predetermined insurance premium rate. Then, the corrected premium = (P
₁ -P ₀₎ × 2 (Mon) / 12 (Mon) the collection (correction insurance premiums <
If it is 0, it is refunded) (step S1408). In this case, retroactively to 2 months ago, it is assumed that the contract with the insurance amount Y _1. In other words, it is guaranteed up to Y ₁ yen to claim against the sale and purchase agreement for the past two months.

Similarly, assuming that the average monthly sales in the latest two months is M ₂ at the next review, the insurance amount Y ₂ becomes
Y ₂ = (M ₂ × 12 × Guarantee insurance coefficient) yen, insurance premium P ₂
Is the amount obtained by multiplying Y ₂ by the insurance premium rate. And
Corrected insurance premium = (P ₂ −P ₀ ) × 2 (month) / 12 (month) is collected (if the corrected insurance premium <0, refund). And
Retroactively to 2 months ago, it is assumed that the contract with the insurance amount Y _2. Hereinafter, the same applies.

(Correction 2) The insurance amount Y ₁ is calculated as follows: Y ₁ = M ₁ × 1
The insurance premium P ₁ is a value obtained by multiplying Y ₁ by a predetermined insurance premium rate. Then, the corrected premium = (P
₁ -P ₀₎ × 2 (Mon) / 12 (Mon) the collection (correction insurance premiums <
If it is 0, it is refunded) (step S1408). In this case, contract for insurance amount Y ₀ for the past two months,
Months, it is assumed that the contract guaranteed amount of money Y _1. That is, Y ₀ for a complaint against a sales contract for the past two months.
Guaranteed up to yen.

Similarly, if the average monthly sales in the latest two months is M ₂ at the next review, the insurance amount Y ₂ is calculated as follows.
Y ₂ = (M ₂ × 12 × Guarantee insurance coefficient) yen, insurance premium P ₂
Is the amount obtained by multiplying Y ₂ by the insurance premium rate. And
Corrected insurance premium = (P ₂ −P ₀ ) × 2 (month) / 12 (month) is collected (if the corrected insurance premium <0, refund). And
The next two months, it is assumed that the contract guaranteed amount of money Y _2. Hereinafter, the same applies.

The two-month review period in each of the above-mentioned amendments is only an example. However, if the review period matches the claim expiration date from the sales contract date at which the consumer can claim, the set insurance amount and This is preferable because insurance premiums are not significantly different from each other.

As described above, by linking the insurance amount and the premium with the actual sales, it is possible to guarantee the sales contract generated after the insurance contract without leaving the actual result.

In the above embodiment, only the electronic commerce is described as an example, but the present invention is not limited to this, and the present invention can be applied to any contract that guarantees any contract.

[0069]

As described above, according to the present invention,
Before the contract between the user and the specific trader is concluded, the data on the specific trader is stored as insurance policyholder data. Therefore, at the time of the subsequent contract formation, the guarantee contract processing is not performed each time. It is possible to flexibly cope with various types of contracts by simple processing.

In particular, it is possible to guarantee electronic commerce with simple processing.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an embodiment of a guarantee insurance processing system and an electronic commerce system according to the present invention.

FIG. 2 is a configuration block diagram of a WWW server of FIG. 1;

FIG. 3 is a functional block diagram of the warranty insurance processing system of FIG. 1;

FIG. 4 is an explanatory diagram showing a mechanism of guarantee insurance in the background of the present invention.

FIGS. 5A to 5D are display examples displayed on the terminal display unit of the online shopping mall.

FIGS. 6E to 6G are display examples displayed on the terminal display unit of the online shopping mall.

FIG. 7 (h) to (j) are display examples displayed on the terminal display unit of the consumer.

FIGS. 8 (k) and (l) are display examples displayed on the terminal display unit of the consumer.

FIG. 9 is a flowchart illustrating an underwriting process performed by the warranty insurance processing system 10.

FIG. 10 is a flowchart illustrating an insurance premium calculation process performed by the warranty insurance processing system 10.

FIG. 11 is a flowchart illustrating an electronic store registration acceptance process performed by the warranty insurance processing system 10.

FIG. 12 is a conceptual diagram showing a mechanism for displaying a specific mark permitted from the warranty insurance processing system 10 to an electronic store.

FIG. 13 is a flowchart illustrating a claim receiving process performed by the warranty insurance processing system 10.

FIG. 14 is a flowchart illustrating insurance premium review processing performed by the guarantee insurance processing system 10.

[Explanation of symbols]

10 Warranty Insurance Processing System 124 Electronic Store Registration Reception Unit (Trader Registration Reception Unit, Subscription Acceptability Determination Unit) 126 Electronic Store Underwriting Unit (Subscription Acceptability Determination Unit) 128 Insurance Premium Calculation Unit (Insurance Premium Calculation Unit) 130 Direct part (review means of insurance premiums) 134 Insurance payment determination part (claims determination means)

 ──────────────────────────────────────────────────の Continuing on the front page (72) Inventor Kenichi Mizogami 1-3-1 Marunouchi, Chiyoda-ku, Tokyo AIU Insurance Company (AIU Insurance Company) Inside (72) Inventor Kunio Dohi 1-chome Marunouchi, Chiyoda-ku, Tokyo No. 1-3 AI Insurance Company (AI Insurance Company) (72) Inventor Norihito Hirai 1-3-1 Marunouchi, Chiyoda-ku, Tokyo AI Insurance Company (AI Insurance Company) (72) Inventor Brandon Lucas 1-3-1 Marunouchi, Chiyoda-ku, Tokyo AIU Insurance Company (AIU Insurance Company) F-term (reference) 5B049 BB11 BB46 CC05 CC36 EE00 GG00 5B055 CC00 EE27 FA00 FB00 JJ00

Claims (15)

[Claims] 1. A guarantee insurance processing system for processing a guarantee insurance business for guaranteeing a contract established between a user and a specific trader, comprising: storage means; The data relating to the specific trader and the expected debt amount data of the contract are inputted, and the trader registration receiving means stored in the storage means as insurance contractor data, and the specific trader based on the expected debt amount data of the contract. Insurance premium calculating means for calculating an insurance premium to be collected from the user and an insurance amount to be guaranteed to the user, and when the contract defaults on the contract after the conclusion of the contract, receiving data on the defaulted contract from the user. Based on the data relating to the contract and the policyholder data stored in the storage means, to determine whether it is possible to pay an insurance claim to the user. Guarantee insurance processing system comprising a gold payment determination means, the. 2. The guarantee insurance processing system according to claim 1, further comprising a subscription availability determination means for determining whether or not the business operator who wants to participate in the insurance is allowed to participate. 3. The trader registration receiving means acquires debt amount data of past contract results from a trader and calculates expected contract amount data of the contract based on debt amount data of past contract results. Item 3. The warranty insurance processing system according to item 1 or 2. 4. Obtaining debt data of contract performance from a specific trader and acquiring insurance premiums and / or to be collected from the specific trader at predetermined intervals based on the debt performance data of the contract performance.
4. The guarantee insurance processing system according to claim 1, further comprising insurance premium review means for reviewing the insurance amount guaranteed to the user. 5. The warranty insurance processing system according to claim 4, wherein the debt amount data of the contract record is transferred from a sales database managed by a specific trader. 6. The insurance as claimed in claim 1, wherein the data relating to the specific trader is input from a terminal under the control of the specific trader via a public communication network. Processing system. 7. The warranty insurance processing system according to claim 1, wherein the contract between the user and the specific trader is made through a public communication network. 8. The storage means stores display data of a mark indicating that it is a policyholder of insurance insurance, and stores the data on a display page of a specific trader for making a contract with a user in the storage means. 8. The warranty insurance processing system according to claim 7, wherein the displayed display data is read and a mark can be displayed. 9. The guarantee insurance processing system according to claim 8, wherein a part of the policyholder data of the specific trader is embedded in the display data. 10. A user registration accepting unit for inputting data relating to a user who uses the system before the contract is concluded and storing the data as insured person data in the storage unit.
The warranty insurance processing system according to any one of claims 1 to 9, further comprising: 11. The warranty insurance processing system according to claim 10, wherein the data relating to the user is inputted from a terminal under the control of the user via a public communication network. 12. An e-commerce assurance processing method for assuring e-commerce performed between a number of consumer terminals and an e-commerce store via a public communication network, comprising: Obtain data related to the electronic store and expected commercial transaction amount data from the electronic store desired to be subscribed, store the data in the storage unit, and obtain data related to the consumer desired to be registered from the consumer terminal before the contract of the electronic commerce is established. Based on the expected commercial transaction amount data, the insurance premium and the insurance amount guaranteed to the consumer are calculated, and in the event of default after e-commerce contract is established,
Obtain data on the defaulted e-commerce from the consumer terminal, and obtain data on the e-commerce,
An electronic commerce assurance processing method for determining, based on data relating to an electronic store stored in the storage means and data relating to a consumer stored in the storage means, whether or not insurance money can be paid to the consumer. 13. The electronic commerce assurance processing method according to claim 12, further comprising acquiring actual transaction amount data from the electronic store, and varying the insurance premium and insurance amount from the actual transaction amount data. 14. An e-commerce assurance processing device for processing e-commerce assurance services performed between a number of consumer terminals and an e-commerce store via a public communication network, comprising: storage means; Prior to the conclusion of the contract, data relating to the electronic store and expected transaction value data are inputted from the electronic store desired to be subscribed, and the electronic store registration accepting means stored in the storage means; Consumer registration receiving means for inputting data regarding a consumer who wishes to register from a consumer terminal and storing the data in a storage means; and insurance for calculating an insurance premium and an insurance amount guaranteed to the consumer based on the expected commercial transaction amount data. Charge calculation means and, in the event of default after the conclusion of an e-commerce contract, obtain data on the defaulted e-commerce transaction from the consumer terminal An insurance that determines whether it is possible to pay an insurance claim to the consumer based on the data relating to the electronic commerce, the data relating to the electronic store stored in the storage means, and the data relating to the consumer stored in the storage means. An electronic commerce guarantee processing device comprising: a payment determination unit. 15. The electronic commerce guarantee processing device according to claim 14, further comprising insurance premium review means for varying the insurance premium and the insurance amount from the actual commercial transaction data.