KR20000024037A - The certification of transactions by another on electronic commerce - Google Patents

Abstract

PURPOSE: A third party transactions guarantee method and system in e-commerce are provided to make credit transactions between purchaser and seller, prevent leakage of personal information and heighten reliability of commodity message. CONSTITUTION: The third party except the parties concerned of seller and purchaser deposits purchaser's money, demands the seller to send the commodity on the security of purchaser's money and make the seller pay the money deposited from purchaser with commodity receipt of purchaser and approval of payment in e-commerce. While a dispute between seller and purchaser occurs, the third party holds the money, therefore observance of just legal procedure is guaranteed by making a specified person of the parties concerned not acquire an unreasonable profit from intention or accident.

Description

Third Party Transaction Guarantee in Electronic Commerce {The certification of transactions by another on electronic commerce}

The present invention relates to a method and a system for guaranteeing a transaction in an electronic commerce which secures a credit transaction between a buyer and a seller in an electronic commerce, suppresses leakage of personal information, and increases trust in a product message.

In general, digital signature and encryption for security and authentication are emphasized as an important thing that must be secured in electronic commerce activities. Since 2000, the government will revise e-commerce related laws and systems, including the Electronic Funds Transfer Act (tentative name) and special laws related to e-commerce, and enact special laws for the protection of e-commerce consumers and personal information. Here is a background. Even now, digital signature technology is being developed along with encryption techniques. Digital signature technology supports message authentication to prove that an electronic message has not been made or changed in the first place, and user authentication to prove who sent the message. It is also designed to overcome the fear of invading users' personal information by undermining the anonymity of cash in electronic cash systems. David Kaum devised a blind digital signature. Although the introduction of the electronic signature system may solve some of the property damage caused by the forgery and alteration of electronic documents, the leakage of personal information, the leakage of credit cards and bankbook numbers, or hacking, it may still be possible to In order to relieve distrust between buyers or consumers who do not believe in products, the government hastened the certification body and promoted the civil acceptance of cryptographic codes. Nevertheless, the technology related to the security of e-commerce, including encryption technology, does not keep up with the development of the e-commerce market, because the digital information of the computer can be easily forged, copied, or denied. Cryptographic technique of CNN is difficult to be completely secured from hacking program and hacking technology that is highly functionalized according to the development of hacking program and hacking technology. In order to secure e-commerce credit, public key cryptography is used for the high-level encryption technology for digital signatures and encryption for security and authentication, which has been patented by RSA of the United States. In addition, the US government considers encryption technology as a weapon and prohibits the export of more than a certain level of encryption equipment and software. For this reason, the establishment of free e-commerce credit requires a thorough e-commerce guarantee method that guarantees anonymity such as money, banking and insurance, and the protection of personal information and the systematic avoidance of damages caused by the nature of e-commerce.

Patents filed for the purpose of generating credit for electronic commerce include electronic payment (application number 98-036374) on the Internet using a telephone ALS system, and methods of exchanging and managing shared information for secure web services (application number 97- 070301), how to check the message reception facts including the message contents (application number 97-070327), small electronic payment-based online service method (application number 97-072637), electronic commerce method using the electronic wallet system (application number 97-078508) ), Discount credit card system for fee replacement (application number 98-011931), product information management system for electronic commerce (application number 99-021847), automatic registration and management of personal information on the Internet (application number 99-022949) ), E-commerce method (application number 99-032173) that allows shopping in a plurality of shopping malls by inputting member information once, buyer-centered e-commerce method (application number 99-032174), in 3D virtual reality space Self-commerce system and method (application number 99-032341), user authentication system using the second access path (application number 99-034850), electronic commerce system (application number 98-011240), etc. E-commerce encryption function or e-commerce is in the range of the system for the purchase and sale of goods on behalf of.

The present invention is a method of guaranteeing a third party electronic commerce, the inventor has not found such an e-commerce guarantee method in the patent information so far. The establishment of credit in e-commerce is based on maturity of credit society, and the basis of credit society is the avoidance of damages (guaranteed profits) by the characteristics of e-commerce. In the present invention, both the seller and the buyer can avoid the damage. In addition, the credit of the third-party guarantee company in electronic commerce can be supplemented by the law and insurance system.

The present invention relates to a method and system for guaranteeing transactions in electronic commerce which secures credit transactions between buyers and sellers in electronic commerce, suppresses leakage of personal information, and enhances trust in commodity messages. Between the seller and the buyer, such as an e-mail guarantee, a product message guarantee for the seller's goods, a depositor's deposit guarantee for the ordered product, a payment guarantee for the seller's shipment, and a refund guarantee for the buyer's legitimate return. In the case of possible disputes, the third party holds the price of the goods during the transaction period to guarantee that the transaction is not unilaterally damaged by the intention or negligence of the buyer or seller during the e-commerce process. Because e-commerce is endorsed by third parties who are not parties to buyers and sellers, The third party transaction guarantee in the electronic commerce is different from the act of the purchase agent or the sales agent, and the security and authentication technology by encryption technology or the like is adopted as the main purpose of the guarantee of the electronic commerce. It is characterized by an innovative trading method and system that can guarantee the credit of electronic commerce through the intervention of third parties. In addition, the existence of buyers (members), the deposit of goods, the existence of sellers, and the credit of goods messages are guaranteed, and the results are ensured without any inconvenience in return and disputes.

[Figure 1] Member Registration, [Figure 2] Email Guarantee and Product Message Guarantee, [Figure 3] Product Selection and Purchase Agreement, [Figure 4] Purchasing, [Figure 5] Return and Refund, [Figure 6] Argument

In the present invention, a third party, besides the seller and the buyer's party, in the e-commerce transaction receives the buyer's payment, requires the seller's goods to be secured with the buyer's payment, and the buyer deposits the seller from the buyer with the purchaser's receipt and payment authorization. You will pay the received price. In the event of a dispute between the seller and the buyer, the price of the product is held by a third party to ensure that certain parties in the e-commerce process do not acquire unfair advantage by intentional or negligence and ensure that they follow proper legal procedures. . In addition, if a company operating a third party transaction guarantee is operated, credit can be further strengthened by participation of insurance, legal or netizens.

Hereinafter, the present invention will be described in detail.

Electronic commerce used in the present invention refers to the payment of money by trading all goods of goods and services made through the Internet.

Third-party transaction guarantees in electronic commerce generate credit for orders between buyers and sellers, payments, and product delivery.

An individual or a corporation registers for membership [Fig. 1]. Member registration (1) shall submit the information of the individual or corporation to the third party transaction guarantee company and receive member approval (2) in order to guarantee the actual credit of the individual or corporation for the purchase or sale of the product. Become a member.

Members receive e-mail guarantee and product message guarantee [Fig. 2] to purchase or sell in e-commerce. For purchase activities, you can make an e-mail warranty application (1) to receive an e-mail warranty (2) and select a product to purchase (3). Can receive product messages on multiple e-commerce sites. A member can receive a notice of approval of a transaction by selecting a product of a product message given a product message use number by an e-mail guarantee. As an orderer, an e-mail approved by a 3rd party transaction guarantee company is sufficient to purchase a product message registered with a 3rd party transaction guarantee company, and the purchase is guaranteed according to the payment amount. There is no need to expose it to sellers or e-commerce sites. In the case of posting a product message with a product message guarantee on the e-commerce site (c), the seller applies the product message use number to the third-party transaction guarantee company (d) in order to guarantee the purchase activity of the member. You must obtain the product message usage number (e) from the company. As a seller, the member shall be fully guaranteed the trust of information for selling the product to other members through the product message on various sites on the Internet with the product message guaranteed by the third party trading company, and the transaction of the third party trading company. The sale is made under warranty, so the buyer's trust as a seller is not doubted. Commodity message guarantee is a product message for electronic commerce such as documents, drawings, videos, voices, sounds, etc., which represent the goods or services of the seller. It is intended to use the same on the commerce site, but not to allow the seller to provide goods and services other than the product message, and the same product message as the product message with the product message guarantee for the product for sale at different sites of e-commerce. By using the message, when the purchaser deposits a commodity price, the third party transaction guarantee can be obtained. Even though the same product actually requires a new product message guarantee for different product messages, the truth of the product message can be guaranteed through the 3rd party guarantee in the Internet e-commerce virtual reality that selects the seller's product through the product message. have. Sellers are recognized by the members through a product message guaranteed by a third party trading company, so they can reject the buyer's suspicions and build lasting credit by striving to provide the best product message.

The member confirms the goods in the product message approved by the third party trading guarantee company and selects the purchase intention to the third party trading guarantee company in selecting a product and making a reservation for purchase [Fig. 3]. If the seller includes the inventory in advance in the product message, the selection of the product to be purchased (1) and the purchase reservation proceed together, and the third-party trading guarantee company confirms whether the product message is guaranteed and the order of the purchaser matches Confirmation of transaction approval only by checking the membership of the company, the inventory confirmation process is omitted. Otherwise, the selection of character is automatically delivered to the third party trading guarantee company in the shopping cart of each shopping mall or e-commerce site, and this is called the request for confirmation of selection of the product (2). If the seller confirms the inventory (4) by matching the order contents of the buyer with the buyer's e-mail and the stock confirmation request (3), the buyer can receive the transaction approval when the buyer deposits the product price. Ali informs the transaction approval notice (5). Trade will be notified for the selection of products that cannot be approved for transaction approval. The product message confirming whether the product message is registered with the third party transaction guarantee company for the selection of the product is not suspected of authenticity. The goods in the product message that received the notice of approval of the transaction are confirmed to have inventory. The member who had selected the product for the confirmation of transaction approval of the third party trading guarantee company according to the selection of the orderer's product confirms the intention to make a deposit, decides the method of depositing, and decides the recipient of the product, the place of receipt, and the method of receiving the purchase guarantee. It is called 6). The third party guarantee company asks the seller to hold the stock and waits for the deposit of the purchaser's product price.

Purchasing [Fig. 4] is a product payment process and a third party trading guarantee company, in which a purchaser who selects a product in order to buy a product message received a notice of transaction approval, reserves a purchase and deposits the product price to a third party trading guarantee company. It is a process in which the seller receives the merchandise payment by requesting the product to be sent to the seller and the seller sending the product to the buyer to confirm receipt of the product. When the purchaser orders the goods together with the payment method, the beneficiary's place, and the receiving method, the purchase order is completed and the third party's transaction guarantee company completes the purchase. Wait for the payment (3). When the product price is deposited, the deposited product price is deposited with the third party trading company as the security of the ordered product, and the buyer's right after the deposit is exercised for the third party trading company. The deposit of goods should be made within a certain time according to the terms of the third party transaction guarantee. If the time of payment is exceeded, the purchase reservation will be invalid. When the payment is made, the purchaser becomes the buyer, and the third party trading company gives the buyer and seller the third party's transaction number, and the seller notifies the recipient and the place of the receipt to make a request to send the goods (4). To give the transaction guarantee number (5) to inform the date and time of the goods dispatch request to provide information to confirm the expected date of receipt. The seller sends the goods to the recipient at the place where the seller sends the goods (6) in response to the request for the goods to be sent by the third party guarantee company. The seller sending the goods shall have the right to receive the goods payment from the third party guarantee company after the purchaser's just return. Receipt of goods means that the purchaser confirms the receipt of goods (7) on the goods delivered to the recipient and approves the payment of the goods to the third party trading company. As a result, the seller receives the payment of the commodity (8) from the third party transaction guarantee company and the general e-commerce is terminated.

Return and refund [Fig. 5] means that the purchaser withdraws the purchase intention of the product according to the proper procedure, returns the product to the seller, and the third party transaction guarantee company returns the product price according to the return to the buyer with the seller's approval. Return (1) is possible by due process and the product which is already rejected in the product message cannot be returned. In addition, unjustified returns will not be accepted unless the seller approves it, or violates the terms of the third party trading company or violates the law. The purchaser may be refunded the price of the goods by refusing the goods or returning them within the return period. In addition, according to the terms of the third party trading guarantee company, even if the returning intention (2) to the third party trading guarantee company can be refunded. Third party transaction guarantee company can inquire return refund approval (3) even if it is not a proper return, and if the seller approves return refund (4), it can acknowledge return and refund the purchase price (5) to buyer.

The dispute [6] is caused by legal disputes by the buyer or the seller by the seller not sending the goods to the buyer's order or by the seller's refusal to return the buyer's return. If the buyer submits the objection by the rejection or non-receipt (1) due to the seller's refusal of return and the undelivered goods, the third party guarantee company will confirm the seller's performance (2). (3) If the seller expresses his intention to refuse to perform the obligations such as returning the returned goods, etc. Become a party to a lawsuit under

As described above, the present invention has an effect of suppressing leakage of personal information through an e-mail, a purchase guarantee, and a sales guarantee, which are guaranteed through a third-party transaction guarantee through the Internet e-commerce, and enables a credit transaction between the seller and the buyer. In particular, the seller does not require the purchaser's personal information to guarantee the payment of the sale price and does not expose the buyer's information except for e-mail. To overcome the limitations of preventing damage to information and financial information leakage. In addition, the guarantee on the commodity message secures the trust of the commodity message and shows the activation effect of the electronic commerce connected to the Internet.

Specifically, when a member joins a third-party transaction guarantee company, he becomes a product buyer by e-mail, and since there is no procedure for entering personal information into the e-commerce site such as a seller or a shopping mall, and signing up, personal information leakage is suppressed. You can freely move between different shopping malls and purchase activities. The seller or the operator of the shopping mall needs to solve a relatively disadvantaged customer acquisition problem by requiring a member to be annoying by the visitor, eliminating the need for bleeding competition for securing and managing the membership among the shopping mall operators, and the specialized small shopping mall of a new shopping mall or SME. It has the advantage of being able to receive visiting customers as order customers. Mass promotion is possible according to the E-mail classification data of the third party trading guarantee company classified according to the request of the product message required by the member for the e-mail push (PUSH) of the product message for the promotion of the shopping mall. However, unnecessary product messages are excluded from e-mail push (PUSH) because members may not want them, and there is no fear of spam mail. Moreover, sellers do not attempt to secure visitor's personal information. Despite the entry of SME products into shopping malls, the trust of product messages is not doubted.

Claims (1)

As a method of credit in e-commerce Email assurance step of the member according to the input of the member information, Merchant's warranty and merchandise message guarantee stage according to the input of seller information and product message information Third-party transaction guarantee method and system in electronic commerce, characterized in that the guarantee phase for the refund of the payment of the product storage in accordance with the prepayment of goods