KR20010073402A - System and method for electronic commerce - Google Patents

Abstract

PURPOSE: A system and a method for electronic commerce are provided to offer credit evaluation information of plural electronic commerce sites to user. CONSTITUTION: An electronic commerce system(100) is connected with a shopping site(200) and a client(300) by the Internet or a future network. The electronic commerce system(100) comprises a shop database(1100), an insurance database(1200), and a membership database(1300). The shop database(1100) is used for storing basic information, credit information(1120), and commodity information(1140) for each shopping site. The credit information(1120) is connected with a credit information management module(2000). The commodity information(1140) is connected with a commodity information management module(3000). The insurance database(1200) is used for storing purchasing information(1220) about a purchaser using the electronic commerce system. The purchasing information(1220) is connected with the commodity information management module(3000) and an insurance information management module(4000). The membership database(1300) is used for storing a membership information such as a member's ID, password, sex, address, ages, telephone number, and fax number. The subscriber's information for the membership database(1300) is connected with insurance contact information and purchasing information of the insurance database(1200). The membership database(1300) is connected with a membership information management module(5000).

Description

E-Commerce Systems and E-Commerce Methods {SYSTEM AND METHOD FOR ELECTRONIC COMMERCE}

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce system and an electronic commerce method, and more particularly, to an electronic commerce system and an electronic commerce method for performing an electronic commerce insurance service, a purchase agent service based on credit evaluation data of a shopping site.

Many experts predict that the e-commerce market will explode in the future. However, the growth of the actual e-commerce market is not as high as expected because the lack of security systems and institutional devices for consumer protection are lacking in the conventional e-commerce method as described below.

In general, consumers are accustomed to traditional methods of purchasing, ie paying on site and receiving goods or services. However, in recent years, electronic commerce (especially, an electronic commerce method through the Internet) has a method of receiving a payment using a credit card or the like at the same time as an order and receiving a product or service. In such a conventional e-commerce, consumers may 1) delay the delivery of a product or not arrive at the product, 2) charge a charge for an unannounced fee, 3) if the delivered item is different or damaged from the advertisement, 4) E-commerce is reluctant because of concerns such as usefulness. In particular, consumers are more reluctant to buy goods over the Internet because they lack information about sellers (shopping sites) and have no way of assessing their reliability.

The technical problem to be solved by the present invention is to solve the above problems, the present invention by performing an objective credit rating on a number of shopping sites online, and by providing the credit rating information to consumers online, The present invention provides an electronic commerce system and an electronic commerce method for making online purchases based on credit rating information.

In addition, the present invention utilizes credit rating results for online shopping sites to predict the risk of e-commerce, and also provides an e-commerce insurance service for actual online transaction behavior based on the credit rating results. And an e-commerce method.

1 is a diagram illustrating an electronic commerce system according to an embodiment of the present invention.

2 is a view showing in detail a credit information management module according to an embodiment of the present invention.

3 is a view for explaining the insurance service method shopping site according to an embodiment of the present invention.

4 is a view for explaining an advanced information providing service according to an embodiment of the present invention.

5 is a view showing in detail the purchasing agent module according to an embodiment of the present invention.

6 is a diagram illustrating a purchasing agent service according to an embodiment of the present invention.

7 is a view showing in detail the price search module according to an embodiment of the present invention.

An electronic commerce system according to a feature of the present invention for achieving the above object is an electronic commerce system that is connected to a plurality of shopping sites through a network to evaluate the credit of the plurality of shopping sites,

A store database storing credit information and product information of each shopping site; An insurance database storing insurance information provided when a purchaser purchases an item from the shopping site through the electronic commerce system; A credit information management module for performing a credit evaluation on each shopping site and updating the credit information of the shop database by combining a resultant value and various external information; And a product information management module for obtaining product information and product price information from each shopping site and updating product information of the store database.

Hereinafter, embodiments of the present invention will be described in detail.

The electronic commerce system according to the embodiment of the present invention implements an electronic commerce service such as electronic commerce insurance and purchasing agent based on credit rating data of numerous online stores and consumer evaluation data on their selling behavior.

In addition, the electronic commerce system according to an embodiment of the present invention provides a Customer Satisfaction Index (CSI) to members and member companies by using an automatic credit rating system. In the embodiment of the present invention, the CSI is data that is generated by combining the content that the customer directly evaluates the website and the result obtained through the evaluation system. In addition, in the embodiment of the present invention, it is possible to produce more accurate CSI data through verification of its own professional site search company. The CSI data generated in this way provides the seller with a clear understanding of the consumer's buying patterns and needs, and provides the consumer with a criterion for making safe and efficient purchases.

An electronic commerce system according to an embodiment of the present invention provides the following services to consumers and sellers.

1. Free Insurance Coverage Service (FICS)

The electronic commerce system according to an embodiment of the present invention guarantees the members about the risks that may occur during electronic commerce. That is, in the embodiment of the present invention, the rating guarantee service that provides a credit rating to the online shops to consumers, and if the consumer who decides to buy based on this information loses money afterwards, compensation is provided. Is carried out.

2. Price Search Service

An electronic commerce system according to an embodiment of the present invention provides a price comparison shopping agent service that can quickly and accurately extract useful information about a large number of websites containing a large amount of information. Since the structure of the HTML (HyperText Markup Language) page in which conventional online shopping sites introduce products is different, there is a problem that efficient search is difficult with a simple text-based search engine. In particular, it was impossible to process huge amounts of information and product information of rapidly changing online stores by hand or by rudimentary search engine.

In the embodiment of the present invention, most of the online stores provide a product-specific keyword for their own product search, using a search engine that can search for product information, and informs the price of each category, product, and model. Provide services.

3. Purchase agency service

The electronic commerce system according to an embodiment of the present invention provides a service for relaying or acting on behalf of general consumers. That is, in the electronic commerce system according to the embodiment of the present invention, the buyer can directly intervene between the online seller and the buyer so that the buyer can safely purchase the goods from the seller.

4. Credit Rating Information Service

The electronic commerce system according to the embodiment of the present invention sets the credit rating of the shopping site according to self evaluation criteria (reliability, convenience, consumer protection, etc.). Thus, consumers use this credit rating as an important source of judgment when deciding on their purchasing behavior, and sellers can confirm their evaluation of them.

Specifically, the embodiment of the present invention provides a summary of various matters for the purchase decision such as the price, terms of sale, delivery period and means, refund and after-sales conditions of the products they sell for a certain online store. .

According to an embodiment of the present invention, the subjects for evaluating an online store are divided into three categories. Firstly, the evaluation is conducted through a professional search company, secondly, buyer evaluation reflected through the actual transaction with the online store, and third, visitor evaluation, in which all general users receive opinions and suggestions from an objective standpoint. have. Consumers can objectively compare and judge the evaluation made by each subject.

The electronic commerce system according to the embodiment of the present invention manages these evaluation results in a database, so that the users can not only check the comprehensive contents but also provide customized reports according to the needs of the users. That is, in the embodiment of the present invention, the user can arbitrarily adjust the weight of the desired item to selectively check only the evaluation result for the specific item.

Hereinafter, an electronic commerce system according to an embodiment of the present invention will be described in the drawings.

1 is a diagram illustrating an electronic commerce system according to an embodiment of the present invention.

As shown in FIG. 1, the electronic commerce system 100 according to the embodiment of the present invention is connected to the shopping site 200 and the client 300 through the Internet (or a future network).

The electronic commerce system of the present invention includes a store database 1100, insurance database 1200, member database 1300.

The store database 1100 stores basic information of each shopping site, credit information 1120, and product information 1140. According to an exemplary embodiment of the present invention, information on each shopping site includes a uniform resource locator (URL), a real address to be contacted, a management entity, and the like. Credits of shopping sites surveyed by applying various evaluation criteria to credit information 1120 are provided. Scores, past insurance incidents, and actual customer scores. The product information 1140 includes actual price data including a list of products handled by the shopping site and a shipping fee.

The insurance database 1200 stores records relating to free insurance (guarantee) provided when purchasing goods through an electronic commerce system according to an embodiment of the present invention. In detail, the insurance database 1200 stores the personal information of the buyer, the name of the purchased item, the price, the name of the shopping site that sold the product, and a serial number that uniquely displays the transaction. Information such as value and type of incident reported by the insured and the status of treatment are stored.

The member database 1300 stores personal information of subscribers who subscribe to the electronic commerce system according to an embodiment of the present invention, for example, an ID and password of an individual, gender, age, address, telephone, and fax number. Personal information of the member database 1300 is connected to insurance subscription information and purchase related information of the insurance database 1200.

On the other hand, the electronic commerce system 100 according to an embodiment of the present invention includes a module for managing information stored in each database. Specifically, the electronic commerce system 100 according to the embodiment of the present invention includes a credit information management module 2000, a product information management module 3000, an insurance information management module 4000, and a member information management module 5000. .

The credit information management module 2000 performs a credit evaluation for each shopping site, updates the credit information 1120 of the store database 1100 by combining the resultant input value with various external information, and updates the client 300. ) Processes the information so that it can be obtained using a web browser.

The product information management module 3000 acquires price information for each product and store from each shopping site 200 by using a price search robot, processes and stores them, and the client 300 requests information through a web browser or in another module. If you requested the information, provide it. The product information management module 3000 includes a purchasing agent module 3100 and a price search module 3200.

Insurance information management module 4000 determines the amount of insurance according to the price of goods purchased at the time of purchase of goods, the credit rating of the corresponding shopping site, and the credit limit of the individual, and inputs the information input at the time of purchase by the client 300 and the accident handling process Various insurance related information is stored in the insurance database (1200). According to an embodiment of the present invention, insurance information can be entered and inquired only by the subscriber.

The member information management module 5000 may input and modify personal information of the subscriber.

Next, a credit evaluation method of a shopping site according to an embodiment of the present invention will be described with reference to FIG. 2 is a view showing in more detail the credit information management module 2000 according to an embodiment of the present invention.

As shown in FIG. 2, the credit information management module 2000 according to the embodiment of the present invention includes a credit information input module 2100 and a credit information output module 2200.

The credit information input module 2100 includes a credit evaluation engine 2110, a learning robot 2120, a search robot 2130, a search company evaluation input module 2140, a user evaluation input module 2150, and an insurance information reflecting module 2160. It includes. The credit rating engine 2120, the learning robot 2120, and the search robot 2130 form an automatic credit rating system according to an embodiment of the present invention. The credit information output module 2200 includes a shop credit information search module 2220, an advanced information extraction module 2240, and an advanced information search module 2260.

An electronic commerce system according to an embodiment of the present invention obtains credit information of a specific shopping site through the following four channels.

First, searchers (staff) manually analyze the terms and service-related information provided by the shopping site 300 to evaluate the stability of the shopping site and the quality of the service. Search companies store the credit information for each shopping site evaluated in this way in the credit information 1120 of the store database 1100 through the search company evaluation input module 2140.

Second, by using the automatic credit rating system (2110, 2120, 2130) to analyze and evaluate the information of the shopping site.

Third, subscribers receive the contents and complaints they experienced while using a specific shopping site and use them as evaluation data. The evaluation of these subscribers is stored in the credit information 1120 of the store database 1100 through the user evaluation input module 2150.

Finally, insurance accident information of a specific site stored in the insurance database 1200 is used as evaluation information. Insurance accident information stored in the insurance database 1200 is stored in the credit information 1120 of the shop database 1100 through the insurance information reflecting module 2160.

Hereinafter, a credit evaluation method of a shopping site according to an embodiment of the present invention will be described in more detail.

According to an embodiment of the present invention, system security (system stability), degree of privacy protection, website reliability, legal protection device, product information, ease of information retrieval, convenience of product order, policy on cancellation or refund, price The credit ratings of each shopping site are analyzed and evaluated by applying various evaluation items such as payment convenience and safety, delivery, and access to customer service.

Specifically, searchers (staff) access the shopping site, read the basic information of the site, terms and conditions, privacy regulations, product information, etc. and determine the credit rating of the site according to the predetermined criteria. In addition, if necessary, orders are directly ordered and the process is monitored to see if there is any part of the site that is processed differently than promised or announced.

Automatic credit rating systems 2110, 2120, and 2130 allow a shopping site to evaluate the credit rating without human assistance. As described above, the automatic credit rating system includes a learning robot 2120, a search robot 2130, and a credit rating engine 2110.

The learning robot 2120 compares the search results of the searchers with the information of the actual site, and learns whether a specific sentence or expression has a positive relationship with a specific evaluation item or a negative relationship. As such, the learning robot 2120 needs a sufficient amount of sample data retrieved by hand in order to have the ability to classify and discriminate information. The content learned in the embodiment of the present invention is not fixed, and functions are enhanced to allow more sophisticated and accurate classification while accessing a new shopping site.

The search robot 2130 analyzes the information by bringing data of another site not used for learning when the learning progresses and the information classification capability is provided. In detail, the search robot 2130 reads the data in HTML format from the page where the terms and conditions are specified, and then applies the natural language processing method, the classification method, and the statistical processing method to make an automated rating.

The credit rating engine 2110 analyzes and processes the information obtained from the learning robot 2120 and the search robot 2130.

The electronic commerce system according to an embodiment of the present invention allows users to directly evaluate a specific site through the operator evaluation module 2150 and receive the result and use it as credit information. At this time, the user is divided into a subscriber and a non-subscriber registered in the electronic commerce system according to an embodiment of the present invention. Subscribers can enter an evaluation score for the shopping site that purchased the product in the process of recording information on a particular purchase behavior in their insurance account and managing the account. The ratings of subscribers are basically classified into three categories: good, bad, and neutral. If the shopping site has a problem, the specific complaint should be filled out. Non-subscribers can also make the basic ratings (good, bad, moderate) based on their shopping experience or the results of using the site.

Finally, the electronic commerce system according to the embodiment of the present invention performs a credit evaluation using information stored in the insurance database 1200. Specifically, when an accident such as a delivery accident or a refund, a bankruptcy, etc. occurs at a specific site, the contents thereof are recorded in the insurance database 1200 by a user or an operator, and the insurance information reflecting module 2160 may include an insurance database 1200. Information such as insurance accidents recorded in the) is stored in the credit information 1120 of the store database 1100. Then, the electronic commerce system according to an embodiment of the present invention can significantly reduce the credit rating of the shopping site that caused the insurance accident to prevent the damage of consumers in advance.

According to an embodiment of the present invention, the examined credit information is not fixed once, and the current credit information is reflected by continuously and repeatedly examining the contents of the corresponding site. Search companies often designate specific shopping sites and analyze / evaluate them manually to enhance the data identification ability of the learning robot 2120 for credit evaluation, and store the analyzed information in the store database 1100. The search robots 2130 search the shopping site every 1-2 weeks to see if there are major changes that need to be made to adjust the credit rating. If the search robot 2130 finds that there is a significant difference from the previous survey, the credit rating engine 2110 operates the credit rating engine 2110 to change the credit information or to warn search companies to re-evaluate the credit of the shopping site. .

The electronic commerce system according to an embodiment of the present invention provides the following services using the accumulated credit information.

First, it helps users to decide the purchase intention by informing them of the credit rating of the shopping site they want to use before purchasing the item. Whereas prior purchase decision support services mainly search and inform only price information, the electronic commerce system according to an embodiment of the present invention recommends an excellent site based on comprehensive credit information including price information. In addition, if desired, the user may arbitrarily adjust the weight applied to each sub-item so as to search for a shopping site that meets the desired criteria. However, the evaluation criteria data arbitrarily adjusted by the user is only a kind of additional service, and the data generated here is not used for the insurance service described later.

Secondly, the electronic commerce system according to an embodiment of the present invention is processed in a variety of forms of credit rating information for a shopping site to provide users who want market analysis, investment information collection, corporate health research and the like.

Next, an insurance service method of a shopping site according to an exemplary embodiment of the present invention will be described with reference to FIG. 3. As shown in FIG. 3, the insurance information management module 4000 according to an embodiment of the present invention includes an insurance information input / retrieval module 4100 and an insurance purchase information input module 4200.

The electronic commerce system according to the embodiment of the present invention guarantees the accuracy of credit evaluation, and if the subscriber who purchased the goods in accordance with the evaluation information provided by the e-commerce system is damaged in the purchase process, the subscribers' damages To provide free insurance services.

According to an embodiment of the present invention, there are two procedures for purchasing insurance.

First, after checking the credit rating of the shopping site to be used in the e-commerce system, go to the shopping site to purchase the goods, and then return to the insurance service of the embodiment of the present invention to purchase insurance.

The insurance information input / search module 4100 calculates and displays a free insurance amount to the user by using a credit rating of a shopping site, a price of an article, an insurance limit assigned to a corresponding site, and an individual insurance limit. Then, the user purchases the goods by accessing the shopping site by following the link of the store recommended by the electronic commerce system according to the embodiment of the present invention. At this time, according to the embodiment of the present invention, a navigation bar is displayed at the bottom of the client's web browser. The user can return to the e-commerce system according to an embodiment of the present invention with a single click by pressing a button of the navigation bar. In this case, the URL of the site where the user shops is automatically detected and reported to the e-commerce system. .

Secondly, after purchasing a product at a specific shopping site, insurance can be purchased by accessing an electronic commerce system according to an embodiment of the present invention through a link.

Purchasing insurance according to an embodiment of the present invention begins by inputting the name of the site where the article was purchased, the purchased product, the quantity, the price, and the purchase date into the insurance database through the insurance purchase information input module. In this case, according to an embodiment of the present invention, only a URL, a brand name, and a price are input for the convenience of the user for purchase of insurance, and specific insurance information is input when an actual insurance accident occurs.

The purchase of insurance may be input to the purchase information 1220 of the insurance database 1200 in the following manner.

First, the user may directly input through the insurance purchase input module 4200.

Second, it can be input using the purchase information input unit according to an embodiment of the present invention. The purchase information input device is installed as a plug-in in the web browser used by the subscriber so that the name and price of the purchased product can be input while being displayed on a part of the screen while shopping online. You can also access the insurance services page directly with a single click. The navigation bar displayed in the case of manual input described above is always displayed on the screen without passing through the electronic commerce system, and there is a difference in that a brand name and a price can be input immediately.

The purchase information input unit is written in the form of an agent and is automatically connected to the electronic commerce system and delivers shopping information in a TCP / IP packet even if the user does not perform a separate operation. Therefore, the user can automatically receive the free insurance service provided by the embodiment of the present invention while enjoying online shopping.

Third, shopping information may be shared with shopping sites affiliated with the electronic commerce system according to an embodiment of the present invention. That is, when a subscriber of an electronic commerce system purchases a product at an affiliate shopping site, the affiliate shopping sites may transmit information related to the purchase to the electronic commerce system.

Next, the advanced information providing service according to an embodiment of the present invention will be described with reference to FIG.

The electronic commerce system according to an embodiment of the present invention utilizes the credit information 1120 stored in the store database 1100, the purchase information 1220 stored in the insurance database 1200, and the personal information stored in the member database 1300. Extract advanced information and provide it to the users who need it. The advanced information extraction module 2240 analyzes and reconstructs basic data stored in the databases 1100, 1200, and 1300 using data mining technology to generate new data for decision making. Advanced information retrieval module 2260 inputs the type of information required from the outside to transfer the contents to the information extraction module 2240 to find the information desired by the user from the basic data to express in various forms such as charts, graphs In charge of the function.

Next, a purchasing agency service according to an embodiment of the present invention will be described with reference to FIGS. 5 and 6.

5 is a view showing in detail a purchasing agent module according to an embodiment of the present invention, Figure 6 is a view showing a purchasing agent service according to an embodiment of the present invention.

The electronic commerce system according to the embodiment of the present invention provides a purchasing agent service so that the subscriber can be sure that the desired item is delivered. This purchasing agent service is mainly performed in the purchasing agent module 3100.

When a user inputs a purchase condition of a desired product using a web browser (S10), the purchase information input module 3110 transfers the input data to the purchase agent processing module 4120. The purchasing agent processing module 4120 allows the product search engine 4140 to search the store database 1100, the insurance database 1200, and the corresponding shopping site 200.

First, the product search engine 4140 searches the store database 1100 for a list of stores selling items desired by the subscriber. In this case, the most important factor is credit information of the corresponding stores stored in the store database 1100. In other words, shops with good credit are selected first. (S20)

Then, from the price data for each product obtained by using the existing price search robot to check whether there is a store that sells goods at the price range you want. (S30)

When the goods and shops that meet the needs of the subscriber are selected, the auto ordering module 3150 orders the goods using the credit card number authorized by the subscriber. Specifically, the automatic ordering module 3150 reads personal information such as the name and contact information of the subscriber from the member database 1300 and shipping address information and automatically orders the shopping site 200.

If the product information that satisfies the price range is not searched in the database, the meta sites that provide the price information are searched to find the desired product.

After placing an order, the delivery process is monitored repeatedly (S60), and if a problem occurs during delivery, the accident handling department is notified to take re-shipment and refund. (S70) If a problem does not occur during delivery, it is assumed that the delivery is completed and automatically sends a confirmation email to the orderer through the guide system 4160 and the mail sending server 470. (S80)

Next, a price search module according to an embodiment of the present invention will be described with reference to FIG. 7.

In general, two important factors in determining the purchase of an item are the credit of the shopping site selling the item and the price of the item. The electronic commerce system according to an embodiment of the present invention is responsible for the credit rating of the shopping site in the credit information management module 2000, and the price information is retrieved through the price search module 3200.

The price search module 3200 according to an embodiment of the present invention may operate as a separate system from a system for providing an e-commerce insurance service. As shown in FIG. 7, the price search module 3200 includes a price research engine 3220, a learning robot 3240, and a search robot 3260. In general, a method of expressing a price and a location at which price information is displayed are determined for each shopping site.

The learning robot 3240 processes the HTML information of the shopping site to find out where the price information is expressed and in what format. Then, the search robot 3260 periodically searches the shopping site and utilizes the results trained by the learning robot 3240 to obtain the product information and the current price information corresponding thereto. The collected information is properly processed by the price search engine 3220 and stored in a database as a pair of shopping site item information price information.

In the above, embodiments of the present invention have been described in detail, but the present invention is not limited only to the above-described embodiments, and various other modifications and changes are, of course, possible.

The present invention conducts an objective credit rating on numerous shopping sites online, and provides the credit rating information to consumers online so that consumers can safely purchase online based on the credit rating information.

In addition, the present invention predicts the risk of e-commerce by utilizing the results of credit ratings for online shopping sites, and also provides consumers with a secured e-commerce insurance service for actual online transactions based on the credit rating results. Make online purchases.

Claims (3)

In an electronic commerce system that is connected to a plurality of shopping sites through a network to evaluate the credit of a plurality of shopping sites, A store database storing credit information and product information of each shopping site; An insurance database storing insurance information provided when a purchaser purchases an item from the shopping site through the electronic commerce system; A credit information management module for performing a credit evaluation on each shopping site and updating the credit information of the shop database by combining a resultant value and various external information; And And a product information management module for obtaining product information and product price information from each shopping site and updating the product information of the store database. The method of claim 1, The insurance database Purchase information, including the buyer's personal information, the name of the item purchased, the price, the name of the shopping site that sold the item, and a serial number indicating the transaction; An electronic commerce system characterized by storing insurance information including insurance value that can be received in the event of an accident and information on the type of accidents reported by the insured and the status of processing. The method of claim 2, The insurance amount is determined according to the price of goods purchased at the time of purchase, the credit rating of the shopping site, and the individual's credit limit, and the insurance stores the information entered at the time of purchase and the insurance information entered during the accident processing in the insurance database. Electronic commerce system further comprising an information management module.