KR20000054307A - trust assurance system and method for electronic commerce using communication network - Google Patents

Abstract

PURPOSE: A method for credit guarantee through communications network is provided to enhance the trust between the purchaser and the seller during a product transaction by using credit guarantee system that uses communications network, a system designed to mediate both parties. CONSTITUTION: A method for credit guarantee through communications network is composed of reception, judgment, and adjustment. The first step is the reception of the guarantee approval(S11) and judgment of the approval status (S12) to reject(S13) or accept the guarantee(S14). The second step is reception of the refund request(S15), judgment of the approval status(S16), and informing the refund rejection(S17) or the refund approval(S18). The third step is manager's processing the seller's periodic account adjustment according to the refund amount(S19).

Description

Trust assurance system and method for electronic commerce using communication network

The present invention relates to a credit guarantee system and method using a communication network, and more particularly, to a credit guarantee system and method using a communication network for mediating both so as to improve reliability in trading goods and the like between buyers and sellers. It is about.

In general, when a product or service is traded, the credit of the seller acts as a selection criterion. Therefore, a small and medium-sized business with a low credit rating may have difficulty in increasing sales.

Recently, with the introduction of the Internet sales method based on the exploding increase of the netizen population, SMEs are becoming easier to promote their products to netizens and general buyers and accumulate credit in the same position as large companies.

However, even small and medium-sized businesses that use the Internet are less competitive than large companies in terms of recognition and credibility and consequently lack of trust in the product. However, there is no fundamental solution to solve this problem.

In addition, even mid-sized companies and large companies, it is difficult to properly deal with complaints about products sold through various distribution channels, and in particular, systems or recognitions for processing refunds at the request of buyers are still unsettled.

Accordingly, an object of the present invention is to solve the above-mentioned disadvantages, and to provide a credit guarantee system and method using a communication network for mediating both so as to improve reliability in trading goods and the like between a buyer and a seller. do.

1 is a block diagram showing a system and a main business process to which the present invention is applied;

2 is a flowchart showing the main operation according to the present invention.

Explanation of symbols on the main parts of the drawings

10: buyer terminal 20: seller server

30: Credit Guarantee Server

The above object is easily solved by the present invention. According to an aspect of the present invention, a credit guarantee system using a communication network is connected to a seller site displaying and selling information of goods using a communication network, and connected to the seller site to purchase an exhibition product. And a credit guarantee server which is connected to the seller site and the seller site and the buyer site through a communication network to guarantee the seller's goods and approve the buyer's request for a refund.

According to another aspect of the present invention, a method for processing a credit guarantee between a buyer and a seller connected to a predetermined management system includes a first step of determining a seller's guarantee approval request and establishing a guarantee, and a request for a refund of the consumer. And a second step of determining and processing a refund, and a third step of performing settlement according to the seller and the refund processing.

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

1 is a block diagram showing a system and main business process to which the present invention is applied.

As shown in the figure, in the present invention, a purchaser terminal 10, a seller server 20, and a credit guarantee server 30 are connected on a communication network. The buyer terminal 10 and the seller server 20 are connected via the Internet, while the seller server 20 and the credit guarantee server 30 is preferably connected by a dedicated line rather than the Internet.

Accordingly, a buyer who accesses the seller server 20 using the purchaser terminal 10 searches for a product and requests a purchase of a desired product, the seller delivers the ordered product and then notifies the buyer, and receives the product. The transaction is completed through a series of payments.

Meanwhile, the seller requests the guarantee by accessing the manager's credit guarantee server 30, and the manager approves the guarantee after appropriate examination. If a purchaser who purchases a product through a normal transaction wants to request a refund due to a serious defect of the product, there is no need to go to the dealer where the purchase was made. And the settlement process for this is performed between the seller server 20 and the credit guarantee server 30.

Meanwhile, although not in the city, the manager's credit guarantee server 30 may be connected with a financial institution system to obtain credit information for buyers and sellers.

2 is a flow chart illustrating the main operation according to the present invention.

The present invention relates to a method of processing a credit guarantee between a buyer and a seller connected to a predetermined management system. The present invention relates to a method for processing a credit guarantee between a buyer and a seller. A second step of processing the refund and a third step of performing settlement according to the refund process with the seller.

The first step of the present invention includes the step of receiving a guarantee of approval (S11), and determining whether to approve (S12), rejecting the guarantee (S13) or approving the guarantee (S14). Although the above-mentioned guarantee approval can be judged by the manpower, it is preferable to use a subroutine program and a database. In other words, if there is a seller's request for approval, the score is calculated using the seller's credit information in the database of the financial institution.

In this case, the financial institution may include a bank, a credit card company, and more preferably, may include a trusted government certification body. Sellers include not only manufacturers but also distributors such as department stores, discount stores and agents.

The second step of the present invention includes a step (S15) of receiving a request for refund, and a step (S18) of notifying the refund (S17) or notifying the refund approval (S16). The approval of the refund shall be determined by strict judgment on the reason for the refund of the product after recovering the product from the purchaser and the data is stored in the database. Accordingly, if there are too many refunds from a particular store, seller or buyer, it is possible to notify each of them so that they can be corrected.

The third step of the present invention includes a step (S19) in which the manager performs a settlement process for the refund at a predetermined period with the seller, and the settlement is preferably performed using a known electronic payment system and a processing program thereof.

At this time, the manager should make a contract with the seller in advance for the refund conditions and the countermeasures for the refunded goods so as to minimize the confusion or dissatisfaction caused by the business process and improve the convenience of the buyer.

The manager needs to keep an eye on the credit information of the seller and update it in the database. Such manager can differentiate the credit status into full members and prospective members according to the seller and put them on the homepage to induce the buyer's accurate selection. have. Even regular members are reviewed periodically to be converted to prospective members or classified as bad members.

On the other hand, the present invention is shown and described with respect to trading the goods between the buyer and the seller, but can be applied to the case of trading intangible services. In this case, the buyer will prove the complaints of the service to the manager through the photo, expert diagnosis, etc.

In addition, the present invention can be applied for the purpose of processing the guarantee of the identity of an individual in addition to goods and services.

According to the above configuration and operation, the present invention has the effect of mediating both so as to improve the reliability in trading goods, etc. between the buyer and the seller on the network.

It is apparent to those skilled in the art that the present invention is not limited to the described embodiments, and that various modifications and variations can be made without departing from the spirit and scope of the present invention. Therefore, such modifications or variations will have to belong to the claims of the present invention.

Claims (2)

Seller site that displays and sells the information of the goods using a communication network, a buyer site that is connected to the seller site to buy the exhibited goods, and is connected to the seller site and the buyer site by a communication network to guarantee the seller's goods Credit guarantee system using a communication network, characterized in that it comprises a credit guarantee server for approving the refund request of the buyer. A method of processing a credit guarantee between a buyer and a seller connected to a given management system: A first step of determining a warranty approval request of the seller to establish a warranty; A second step of processing a refund by determining a refund request of the consumer; And And a third step of performing settlement according to the seller and the refund processing.