KR100363879B1 - Method to provide sale service of credit on Internet - Google Patents

Abstract

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a credit sales service method on the Internet, which effectively combines installment sales with electronic commerce on the Internet.

The installment sales procedure of the present invention, the step of receiving an installment method from the buyer; Setting up an installment financing company according to a buyer's choice; If a guarantor is required for installment sales, requesting the purchaser of a guarantee document; Confirming that the buyer is himself; Requesting the purchaser of the attached documents if the attached documents are required for installment sales; Waiting for warranty documents and attached documents to be received; And notifying the seller and the installment financing company on-line of the data related to the installment sale so that the goods are delivered. At this time, identity verification, submission of guarantee documents, and submission of attached documents are made on-line.

By using the present invention, it is possible to effectively integrate credit sales (installation sales) into goods sales services through the Internet such as electronic commerce. In particular, since identification, submission of warranty documents, and submission of attached documents required for installment sales can all be processed on-line, there is an effect of enabling a convenient and prompt goods sale service.

Description

Method to provide sale service of credit on Internet}

The present invention relates to a credit sales service method on the Internet, and in particular, it is possible to sell credits (installation sales) to goods sales services such as electronic commerce over the Internet, The present invention relates to a method for allowing ancillary procedures such as submission to be processed on-line, thereby enabling fast and efficient installment sales service on the Internet.

Currently, as the Internet becomes a part of daily life, the types of services using the Internet are also very diverse. Among them, electronic commerce, which sells goods and services through the Internet, is particularly active. However, all payment methods have been made in cash, credit card, and electronic money. However, many users of the Internet are hesitant to use electronic commerce due to the burden of payment. Of course, there are credit card payment methods, but this is always avoided due to the burden of leaking personal financial information. In light of this reality, credit sales (in installment sales) are inevitable for Internet e-commerce. However, due to the nature of cyber space, there is a difference from the case where actual buyers and sellers meet and buy.

In other words, the product sales service through the Internet is not easy to identify yourself because it does not deal directly with you. In particular, it is inconvenient to submit various documents required for installment sales by credit, and even if a guarantor is required, even if the guarantor intends to guarantee it, the clerk cannot guarantee it.

However, installment sales are necessary for the convenience of buyers who want to purchase the goods, so it will be necessary to effectively combine the installment sales with the purchase of goods through the Internet.

Accordingly, the present invention was devised to solve the above inconvenience, but it is possible to sell credit (installation sales) to the goods sales service through the Internet, and to submit various attachments required for the guarantee and installment sales from the guarantor. Its purpose is to provide a method for providing an installment sales service on the Internet by allowing the secondary procedures to be processed on-line.

Credit sales service method on the Internet according to the present invention in order to achieve the above object,

A first step in which the purchaser accesses the merchandise sale site and selects a purchase item, the merchandise sale site inquiring the purchaser how to pay for the purchase item; In the first step, when the buyer wants to make a cash payment, the article selling site receives the payment information from the buyer and performs on-line payment with the financial institution. A second step of notifying the seller to be delivered; A third step of receiving the installment method from the buyer when the buyer wants the installment payment in the first step; A fourth step of setting the installment financing company according to the purchaser's selection; A fifth step of determining whether a credit inquiry or a guarantor is required for an installment sale, and inquiring a credit online with a corresponding credit bureau, or requesting the purchaser to submit a guarantee document; The article selling site is a sixth step to confirm that the buyer is the person; The article selling site, the seventh step of requesting the purchaser of the attachment when the attachment is necessary for the installment sale; The merchandise sales site waits until the warranty document requested in the fifth step and the attached document requested in the seventh step are received, but cancels the installment sale after notifying the buyer if it is not received within a certain period of time. Eighth step; The merchandise sales site notifies the seller and the installment financing company on-line of the data on the installment sale, and the seller delivers the purchased merchandise to the purchaser and notifies the merchandise sale site of receipt. 9 steps; And the article selling site comprises a tenth step of informing the installment financial company on-line of the receipt status information.

In the third step, the goods sale site proceeds to the first step when the installment amount of the purchase item selected by the buyer is not within the installable amount or the purchase item is not installable. Step 3-1 inquiring again of the method; Step 3-2, wherein the article selling site inquires whether the buyer has an ID and gives an ID to the buyer if there is no ID; The article selling site receives step 3-3 inputting installment information including an installment period and an installment payment date from the buyer; The article selling site checks whether the inputted installment information with the purchaser is correct and returns to step 3-3 if it is not input correctly; And the article selling site can be preferably configured to include a step 3-5 to receive information about the delivery place of the purchase goods from the buyer.

In addition, the identity verification in the sixth step is to be made through an electronic signature, the article selling site is the step of requiring the buyer to input the electronic signature; The article selling site allowing the buyer to access an electronic signature management agency if the buyer does not have an electronic signature, such that the buyer registers the electronic signature with the electronic signature manager; And confirming whether the purchaser has registered the electronic signature normally, and proceeding to the seventh step if the purchaser has successfully registered, otherwise returning to the first step.

Here, the article selling site may further include a procedure for receiving a predetermined portion of the installment amount as a down payment before performing the eighth step, and receives the payment information from the buyer to the financial institution. It is desirable to have an on-line payment at.

On the other hand, the submission of the attached documents in the seventh step is to be made in conjunction with other Internet sites (commercial processing site) that performs a service for issuing various attached documents (commercial documents) through the Internet, the buyer is the complaint processing site Step 7-1 of accessing on-line information required for application and delivery of a civil document including a type, quantity, delivery method, and delivery location of a required civil document; If the identity verification is required for the processing of the civil documents requested in step 7-1, the civil processing step 7-2 receives identity verification from the purchaser; The civil processing site receives buyer information from the buyer and pays on-line the costs required for processing the civil documents requested in step 7-1 with the financial institution on-line. -3 step; The civil processing site, if the payment is successful, step 7-4 of requesting the government office to issue the requested civil documents on-line; And the government office issuing the civil documents requested in step 7-4, and preferably configured to include step 7-5 of delivering to the delivery place by the delivery method.

In addition, the submission of the warranty document in the fifth step is to be made in conjunction with another Internet site (warranty processing site) that performs the processing of the warranty document through the Internet, the guarantor accesses the warranty processing site to Specifically, step 5-1 of confirming that the assurance processing site is the identity between the assurer; When the attached document is required for the assurance process specified in step 5-1, the guarantee processing site notifies the guarantor, and the guarantor connects to the complaint processing site and requests the issuance of the attached document. step; The guarantee processing site receives information necessary for payment from the insurer and pays the on-line fee with the financial institution on-line with the financial institution. Step 5-3; If the warranty processing site requests the issuance of an attached document to the civil processing site in step 5-2, the warranty processing site waits for the receipt of the attached document for a certain period of time. Steps 5-4 of notifying the guarantor and terminating all assurance procedures; And the fifth to fifth step of transmitting the warranty document on-line to the article sales site informing that the warranty of the warranty specified in step 5-1 is confirmed. It can be carried out.

1 is a service configuration diagram according to the present invention,

2 is a flowchart of an embodiment of the present invention;

3 is a flowchart of an embodiment of selecting an installment method;

4 is a flow chart related to an embodiment of an identity verification procedure;

5 is a flowchart of an embodiment of attachment processing at a complaint processing site;

6 shows a flowchart of an embodiment of a warranty processing procedure at the warranty processing site.

* Explanation of symbols for main parts of the drawings

10: Goods sale site 21: Buyer

22: Seller 23: -1: Insurer

23-2: Warranty Process Site 24: Digital Signature Certification Authority

25: Financial Institution 26: Installment Financing

27: Credit bureau 28: Complaint processing site

29: Government office

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

1 is a block diagram of a service according to the present invention, with reference to this will be described for each component necessary to implement the present invention.

Among the components shown in FIG. 1, the seller 22 delivers the goods to the buyer 21, and the civil documents from the government office 29 to the goods sale site 10 or the warranty processing site 23-2. It is desirable that all procedures other than the off-line delivery process be performed on-line. Therefore, each component shown in FIG. 1 in the process of carrying out the present invention means a computer system (or server) of the corresponding component. However, it will also be possible to use a fax for convenience in the process of the present invention. In addition, the process of delivering the civil documents in the government office 29 does not necessarily have to be made off-line, and it is more preferable that the delivery by e-mail or fax is made.

The subject providing the goods selling service according to the present invention is an internet site (10: goods selling site), and allows the purchaser 21 connected to the user through the internet to purchase the goods in installments. Indeed, the seller 22 who sells the goods to the buyer 21 may be a business operator who operates the goods selling site 10. In this case, the sellers 22 and the businesses of the article selling site 10 coincide.

However, in view of the wide variety of goods, the sellers 22 and the sellers of the goods selling site 10 may be different from each other. In this case, the sellers of the seller 22 and the goods selling site 10 are different from each other, and the goods selling site 10 is operated by a company that receives goods from the seller 22 and acts as a goods selling service in a virtual space. . At this time, the seller 22 receives the goods purchase details from the goods selling site 10 and delivers the goods to the buyer 21 and notifies the goods selling site 10 whether the buyer 21 has received them.

The credit information agency 27 refers to an institution that manages the credit status of the buyer 21, and provides a credit inquiry service on-line at the request of the product selling site 10. The digital signature certification authority 24 authenticates the electronic signature of the purchaser 21 on-line at the request of the merchandise sales site 10 as an organization providing authentication service through the electronic signature.

In most cases, the financial institution 25 is a bank, and pays the fee on-line between the merchandise sales site 10, the complaint processing site 28, and the guarantee processing site 23-2. The installment financing company 26 is informed of the purchase purchase details of the buyer 21 from the complaint processing site 10 and performs the installment management according to the installment sale.

On the other hand, the complaints processing site 28 is a site that requests and processes on-line processing of attached documents (civil documents) to be submitted for installment purchase from the buyer 21, and on-line to the relevant government office 29 As a request for issuance of civil documents, the government office 29 delivers the civil documents issued directly to the goods sales site 10.

In addition, a guarantor may be required for the installment purchase of the purchaser 21. In this case, if the information of the purchaser 21 is transmitted from the product sales site 10 to the guarantee processing site 23-2, the guarantor 23- 1) connects to the warranty processing site 23-2 at any time and confirms the warranty. Then, the warranty processing site 23-2 notifies on-line to the article selling site 10 that the warranty is confirmed.

2 is a flowchart illustrating an embodiment of the present invention, with reference to this will be described a specific example in which the present invention is implemented.

First, the purchaser 21 accesses the article sale site 10 through the Internet and selects the article he / she wants to purchase (S211). Then, the article sales site 10 inquires the purchaser 21 the payment method of the purchase article (S212).

When the purchaser 21 wants to make a cash payment in step S212, the goods sale site 10 receives payment information from the buyer 21 and makes an on-line payment with the financial institution 25 (S221). ).

If the payment is successful in step S221, the article selling site 10 notifies the seller 22 of the details of the purchase article selected by the buyer 21 in step S211 (S222), and the seller 22 purchases the buyer 21. After the goods are delivered, the purchaser notifies the purchase site 10 of receipt of the goods (S223). However, if the payment in step S221 fails, the message 21 informing the buyer 21 is notified and the process returns to step S212.

On the other hand, if the purchaser 21 has selected the installment payment in step S212, the article sales site 10 receives the installment method from the buyer 21 (S230). Figure 3 is a flow chart related to an embodiment of step S230 As an example, an example of step S230 will be described in detail.

The article selling site 10 determines whether the installment amount of the purchase article selected by the buyer 21 in the step S211 is within the installable amount, and whether the purchase article is an installable item, and is within the range of the installable amount. Otherwise, if the installment cannot be purchased, the process returns to step S212 and the payment method is inquired again (S311).

However, if it is within the range of the installable amount and the installable item, the article sales site 10 inquires the purchaser 21 whether there is an ID (S312) and if there is no ID, the purchaser 21. Give an ID to (S312-1). This process (S312, S312-1) means the registration process (or joining process) for the buyer (21).

Now, the article sales site 10 receives the installment information including the installment period and the payment date of payment from the buyer 21 (S313, S314), and then returns the installment information input in steps S313 and S314 to the buyer 21. By transmitting, the purchaser 21 checks whether the installment information is correctly input (S315).

If the input result of the check in step S315 is not input correctly (S316), the process returns to step S313, and if the input item is correct (S316), information about the delivery place of the purchased item is obtained from the purchaser 21. It receives an input (S317). This delivery place means a place where the purchaser 21 wants to receive the purchased goods.

When the goods sales site 10 receives the installment method in step S230, the buyer 21 allows the buyer 21 to select the installment financing company (S235). At this time, the installment financing company set as the default is the installment financing company to be responsible for the installment purchase. Although it may be possible, the buyer 21 can select the installment financing company because the customer management criteria for each installment financing company are different. That is, the buyer 21 may be a normal customer for the installment financial company A, but an abnormal customer for the installment financial company B. Therefore, it is preferable that the buyer 21 be able to designate the installment financing company A as the installment financing company to manage its installment purchase.

When the installment financing company is selected in step S235, the article selling site 10 determines whether a credit inquiry or a guarantor is required for the installment selling (S240), and inquires the credit online with the corresponding credit information agency, The purchaser 21 is requested to submit a guarantee document (S241).

If it is determined in step S240 that the warranty is necessary, the article selling site 10 transmits the buyer information to the warranty processing site 23-2, where the guarantor 23-1 at any time points the warranty processing site 23. -2) and confirming the warranty, the warranty processing site 23-2 notifies the goods sales site 10 of the fact on-line, thereby establishing the warranty. This process is a process involving the warranty processing site 23-2, which will be described in more detail later.

Now, the article selling site 10 checks whether the buyer 21 is himself (S250).

4 is a flowchart illustrating an embodiment of step S250, and an example of an identity verification procedure using an electronic signature will be described in detail with reference to the flowchart.

First, the article sales site 10 requests the buyer 21 to input the electronic signature (S411), and checks whether the electronic signature is input from the buyer 21 (S412). As a result of the investigation in step S412, if the purchaser 21 cannot input the digital signature, the purchaser 21 can register the digital signature by allowing the purchaser 21 to access the digital signature certification authority 24. (S413). If the electronic signature is normally registered in step S413, the process continues to step S260. If the electronic signature is not normally registered, the process returns to step S212 to receive a payment method again.

In the case where the identity verification at step S250 is normally performed, the article purchasing site 10 checks whether attachments are required for installment sales (S260), and requests purchasers to submit attachments when attachments are needed (S261). . This process is involved in the complaints processing site 28, which will be described in more detail later.

Here, in order to more secure the installment sales contract, the article sales site 10 may receive a certain amount (eg, a percentage of the purchase price) as a down payment, which may be a cash payment, a credit card, an electronic money, or the like. It is preferable to make it. At this time, the article purchase site 10 receives the payment information from the buyer 21 to make an on-line payment between the financial institution 25 (S270).

On the other hand, the article sales site 10 waits until the corresponding warranty documents and attached documents are received when the request for the submission of the warranty documents in step S241 or the submission of the attached documents in step S261 (S280). Of course, the waiting process (S280) means to temporarily suspend the completion of the installment sales procedure for the goods. At this time, it is preferable not to wait indefinitely but to wait for a certain period (for example, one week). If it is not received within this period (S281), the buyer 21 is notified of this, the installment sale is canceled, and the down payment is made. Return to the buyer 21 (S282).

However, if all the required guarantee documents and attached documents are received within a certain period of time, the article sales site 10 notifies the seller 22 and the installment financing company 26 about the installment purchase on-line (S290). -One). Then, the seller 22 delivers the purchased article to the buyer 21, and the buyer 21 receives the installment-purchased article from his / her desired place. At this time, the seller 22 notifies the merchandise sales site 10 whether or not the purchaser 21 received the merchandise for confirmation of delivery of the merchandise, and the merchandise sales site 10 allocates the information of the receipt. The on-line notification to the financial company 26 allows the installment financial company 26 to manage the goods delivery status (S290-2).

Now, an example in which the above-described guarantee process and the accompanying document submission process are implemented will be described in detail.

FIG. 5 is a flowchart of an embodiment of an attached document processing procedure at the complaint processing site 28. The procedure for providing a processing service of the attached document may be implemented at the goods sale site 10 itself, but is referred to as processing of a complaint document. From a general point of view, it would be desirable to implement as a separate site.

First, when the buyer 21 is requested to submit the attached documents at the goods sales site 10, the buyer 21 is connected to the complaint processing site 28 linked to the goods sales site 10, the kind of complaint documents to be submitted by him, The information required for application and delivery of civil documents including the quantity, delivery method, and delivery location is entered on-line (S510). At this time, it is preferable that the purchaser 21 designate a delivery place as a department in charge of the company that operates the product selling site 10. In the case where the government office 29 can also be issued by e-mail or fax, an e-mail or a fax is designated as a delivery method.

If the identity verification is required for the processing of the civil application filed in step S510 (S520), the complaint processing site 28 receives the identity verification from the buyer 21 (S530). At this time, the identity verification is preferably performed by receiving the electronic signature from the buyer 21, it can be confirmed through a check with the public key distributed in the government office (29).

Now, the civil processing site 28 receives the buyer information from the buyer 21 and pays the costs required for processing the civil documents requested in step S510 with the financial institution on-line (On-Line) ( S540).

Complaint processing site 28, if the payment is successfully made in step S540, requests the relevant government office on-line issuance of the requested civil documents (S550). Then, the public office 29 issues the civil documents requested in step S550, and delivers to the delivery place designated by the delivery method designated by the purchaser 21 in step S510 (S560). That is, it is delivered to the department in charge of the company that operates the goods sales site 10 through e-mail, fax, mail, or courier. Then, the attached document reception waiting state in step S280 is canceled.

6 is a flowchart illustrating an embodiment of a warranty processing procedure performed at the warranty processing site 23-2, and a process of performing the warranty processing will be described in detail with reference to the flowchart.

First, the guarantor 23-1, who has been asked to make a warranty order from the purchaser 21, connects to the warranty processing site 23-2 via the Internet and specifies the guarantee subject (S610). Then, the warranty processing site 23-2 confirms that the guarantor is the identity between the guarantor 23-1 (S620).

At this time, the specification of the warranty subject can be made through the information of the buyer 21 to be guaranteed, and when proceeding to step S241, the article selling site 10 has transmitted the buyer information to the warranty processing site 23-2. Therefore, the warranty processing site 23-2 has buyer information. As an example, if the buyer's social security number is included in this buyer information, the guarantor 23-1 connects to the warranty processing site 23-2 and inputs the social security number of the buyer 21. Then, the warranty processing site 23-2 transmits the details to be entered by the guarantor together with the details of the goods purchased by the purchaser 21.

In addition, it is preferable that identity verification is made through an electronic signature as in the above example.

The guarantee may require an attached document (e.g. proof of payment of property tax, certified copy of resident registration, etc.). If the attachment is required for the guarantee process specified in step S610, the guarantee process site 23-2 will provide a guarantee (23-). Inform 1). Then, the guarantor 23-1 connects to the complaint processing site 28 linked to the warranty processing site 23-2, and requests for issuance of an attached document (S630). Of course, in this case, the guarantor 23-1 may designate the delivery place of the civil documents as the department in charge of the company operating the guarantee processing site 23-2.

Now, the guarantee processing site 23-2 receives the information required for payment from the guarantor 23-1 and sends the costs necessary for the guarantee processing between the financial institution 25 and the on-line. But the payment (S640), if the payment fails all the end of the warranty procedure (S641).

If the warranty processing site 23-2 has requested the issuance of the attached document to the complaint processing site 28 in step S630, the warranty processing site 23-2 waits for the reception of the attached document for a predetermined period (for example, one week) (S650). However, if the attached documents have not been received for a certain period of time (S651), the guarantor 23-1 is notified of this and all the warranty procedures are terminated (S652).

Now, the warranty processing site 23-2 transmits an on-line warranty document informing that the warranty document is notified when the warranty for the specified warranty is confirmed in step S610 (S660). Then, the guarantee document reception waiting state in step S280 is canceled.

By using the present invention, it is possible to effectively integrate credit sales (installation sales) into goods sales services through the Internet, such as electronic commerce, and to avoid using credit cards due to concerns about the leakage of credit card user information, and credit cards. Many people, including the underprivileged, who failed to make a living, can activate e-commerce through the Internet. In particular, the identification, guarantee, and submission of attached documents required for installment sales can all be processed on-line, enabling rapid service.

Therefore, from the buyer's point of view, it is possible to purchase goods more conveniently and quickly through the Internet, and to activate the whole economy by activating the sale of goods through the Internet.

Claims (6)

In providing a service for selling goods through an Internet site (item sales site), A first step in which the purchaser accesses the merchandise sale site and selects a purchase item, the merchandise sale site inquiring the purchaser how to pay for the purchase item; In the first step, when the buyer wants to make a cash payment, the article selling site receives the payment information from the buyer and performs on-line payment with the financial institution. A second step of notifying the seller to be delivered; In the first step, when the buyer wants to pay the installment, if the installment amount of the purchase item is within the installable amount, and the purchase item is an installable item, the article selling site is the installment period from the buyer. A third step of receiving installment information including an installment payment date; A fourth step of determining whether a credit inquiry or a guarantor is required for installment sales, inquiring credit online with the credit bureau, or requesting the buyer to submit a guarantee document; A fifth step of confirming that the purchaser is the user through the electronic signature inputted by the buyer; The article selling site may include the sixth step of requesting the purchaser of the attached document when the attached document is required for the installment sale; The merchandise sales site waits until the warranty document requested in the fourth step and the attached document requested in the sixth step are received, but cancels the installment sale after notifying the buyer if it is not received within a certain period of time. Seventh step; And The merchandise sales site informs the installment financing company and the seller of the data related to the installment sale on-line, and informs the installment financing company of on-line information of whether the buyer has received the purchase goods. Credit sales service method on the Internet, characterized in that it comprises the eight steps. The method of claim 1, wherein the installment financing company designates one of the installment financing company set by the seller or the seller or the installment financing company selected by the buyer. The method of claim 1, wherein when the seller is a business operator who operates the article selling site, the seller and the seller of the article selling site coincide with each other. The method of claim 1, wherein the article selling site further includes a procedure for receiving a portion of the installment amount as a down payment before performing the seventh step, and receives payment information from the buyer and the financial institution. The on-line payment method of the credit sales service on the Internet, characterized in that configured to. The method according to any one of claims 1 to 4, wherein the submission of the attached documents in the sixth step is linked with other Internet sites (civil processing sites) that perform issuance services of various attached documents (civil documents) through the Internet. To be done, Step 6-1, wherein the purchaser accesses the complaint processing site and inputs on-line information necessary for requesting and delivering a civil document including a type, quantity, delivery method, and delivery location of a required civil document; Step 6-2, if the identity verification is required to process the civil documents requested in step 6-1, the complaint process site receives the identity verification from the buyer; The civil processing site receives the purchaser information from the buyer and pays the costs required for processing the civil documents requested in step 6-1 on-line with the financial institution. -3 step; Step 6-4, the civil processing site, if the payment is successfully made, requests the government office on-line to issue the requested civil documents; And The government office issuing the civil documents requested in the step 6-4, and the credit sales service method on the Internet, characterized in that it comprises a step 6-5 to deliver to the delivery place by the delivery method. . The method of claim 5, wherein the submission of the warranty document in the fourth step is to be performed in conjunction with another Internet site (guarantee processing site) that performs the processing of the warranty document through the Internet, Step 5-1, when the guarantor accesses the warranty processing site and specifies a warranty object, the warranty processing site confirms that the user is the identity with the guarantor; When the attached document is required for the assurance process specified in step 5-1, the guarantee processing site notifies the guarantor, and the guarantor connects to the complaint processing site and requests the issuance of the attached document. step; The guarantee processing site receives information necessary for payment from the insurer and pays the on-line fee with the financial institution on-line with the financial institution. Step 5-3; If the warranty processing site requests the issuance of an attached document to the civil processing site in step 5-2, the warranty processing site waits for the receipt of the attached document for a certain period of time. Steps 5-4 of notifying the guarantor and terminating all assurance procedures; And The warranty processing site is configured to include a fifth step of transmitting a warranty document to the article sales site on-line that the warranty for the warranty specified in step 5-1 has been confirmed, characterized in that it is configured How to Sell Credit on the Internet