KR20020008619A - Credit evaluation and settlement system of electronic commercial transaction - Google Patents

Abstract

PURPOSE: A credit evaluation and payment system for an electronic commerce is provided so that credit of a user can be objectively and transparently evaluated, by transmitting member information to a tax office or credit evaluation institution and a wire/wireless communication company, and giving membership to the user according to credit evaluation result data. CONSTITUTION: A member registration routine of an electronic commerce system(10) is connected to a district tax office or credit evaluation institution automatic connection server(20) and a telephone using payment/inquiry server(40), so that member registration data can be transmitted to the district tax office or credit evaluation institution(30) and a communication company(50). Here, membership is examined by an authentication engine according to the inquiry result. On the other hand, a price payment routine of the electronic commerce system(10) is connected to the telephone using payment/inquiry server(40), so that purchasing information of the user can be transmitted to the telephone using payment/inquiry server(40) and the communication company(50). Here, dealing contents and tax bill are issued by a special payment engine. Accordingly, the user can easily purchase and directly confirm the goods, to improve reliability of the electronic commerce.

Description

Credit evaluation and settlement system of electronic commercial transaction

The present invention relates to a credit evaluation and payment system in the electronic commerce using the Internet, and in particular, when a corporation or a private company registers the member information data to a competent tax office or a credit rating agency and a telecommunication company to receive the credit information data. It is possible to securely conduct e-commerce through the screening and certification of qualifications, and to be charged for the purchased goods in the telephone bill received from the telecommunications company by the member's choice. Therefore, it relates to an e-commerce credit rating and payment system that members can use more conveniently.

In order to register a member as a member during the e-commerce using the conventional Internet, fill out various forms for accessing the e-commerce site and register as a member, and then send it to the site administrator. Subjective credit rating is evaluated by others to determine whether a member is eligible.

In addition, most of the recent electronic commerce is to buy the goods and pay the price by credit card or online deposit.

However, the credit rating evaluation and payment method for granting membership as described above requires only the information inputted by a corporation or a private company who wants to become a member, and thus the credit rating is unclear. Since it is judged by the subjective evaluation of the person, there is a problem that the objectivity and transparency are lacking and the customer loses trust.

In the case of payment by credit card or online deposit, credit card information or bank transaction information may be leaked, which may cause a great security problem. There were many cases of failure to trust.

The present invention has been made to solve the above problems,

When a corporation or a private company registers as a member for electronic commerce on the Internet, the information entered by the member is transferred to a third jurisdiction tax office, a credit rating agency, and a wire / wireless communication company, and the credit evaluation result data based on the data. Is integrated into a separate certification engine to determine whether membership is granted, allowing for more objective and transparent credit evaluation, as well as including the purchase price of the goods in the telephone bills issued by the telecommunications company. By making it easier for members to purchase goods and directly check the details of their purchases, eliminating unnecessary friction with e-commerce site operators so that both operators and members can trust and trade. The present invention provides an electronic commerce credit rating and settlement system. There is.

1 is a block diagram of the present invention.

2 is a flow chart showing a credit rating system of the present invention.

3 is a flowchart illustrating a payment system of the present invention.

<Explanation of symbols for the main parts of the drawings>

10: e-commerce system

20: Jurisdiction tax office or credit bureau automatic connection server

30: competent tax office or credit bureau

40: telephone payment / query server

50: communication company 60: payment DB

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

1 is a block diagram of the present invention.

In the electronic commerce system 10 including a member registration and payment routine,

Connect the jurisdiction tax office or credit bureau automatic connection server 20 to the member registration routine, and the telephone / payment / query server 40 to transfer the data for membership registration entered by the member, and then re-enter the jurisdiction tax office or credit bureau. (30) and the communication company (50) is sent back to the inquiry results to be reviewed for membership through the authentication engine,

The billing routine is connected to the telephone payment / viewing server 40 as described above, transmits the purchase information purchased by the member to the communication company 50, and together with the purchase amount when the telephone company charges the bill. It can be billed and transaction details and tax invoices can be issued through a separate payment engine.

In the figure, reference numeral 60 is a payment DB.

Looking at the authentication / screening process of the qualification at the time of membership in the present invention of such a configuration in more detail as shown in Figure 2, which is a new member registration after accessing the relevant site for the e-commerce corporation or private company Selecting, inputting basic data such as a business registration number, a business name, a telephone number of a member, and selecting a payment means (S101);

Generating a member database from the input data (S102);

Classifying the input member database into authentication / review basic data (S103);

A step of separately generating the classified data, the basic data for the jurisdiction tax office or credit rating agency including the business registration number and the business name, and the basic data for the telecommunication company including the telephone number (S104) (S110);

Transmitting the basic data for the competent tax office or credit bureau to the competent tax office or credit bureau automatic connection server (S105);

Transmitting data by an automatic telephone connection from the automatic connection server to a competent tax office or credit bureau (S106);

Notifying the automatic connection server of the credit evaluation result based on the data received from the automatic connection server (S107);

Generating survey result data including a business registration number, a business name, credit evaluation data, and tax delinquency data based on the survey result in the automatic connection server receiving the credit evaluation result (S108);

Transmitting the survey result data to the authentication engine (S109);

Transmitting basic data for a telecommunication company to a telephone payment / query server (S111);

Requesting an inquiry by transmitting basic data for a communication company including a telephone number to a wired or wireless communication company (S112);

Transmitting an inquiry result based on the data received from the telephone payment / query server to the telephone payment / query server again (S113);

Generating inquiry result data including a telephone number, a name, an address, and an overdue data based on the inquiry result in the telephone-based payment / query server which has received the inquiry result (S114);

Transmitting the inquiry result data to the authentication engine (S115);

Using the result data through the automatic connection server transmitted to the authentication engine and the result data through the telephone payment / query server is used to extract the authentication / audit result through the credit evaluation work (S116).

In addition, when the member selects to include the purchase amount in the billing statement issued by the telecommunication company when registering as a member, as shown in FIG. 3, the member registered as a member through the authentication / assessment process as described above is When the article is purchased, retrieving the member's data from the member DB (S201);

Transmitting data including a telephone number, a purchase amount, and a business name to a telephone-based payment / query server (S202);

The telephone billing / inquiry server that receives the data is used to settle the amount on a monthly basis by using the payment DB and send the data including the monthly bill amount, phone number, purchase amount and business name to the wired / wireless telecommunications company. (S203) including the purchase price to make a claim;

Receiving inquiry results from a telecommunication company by using a telephone payment / query server and generating inquiry result data including a phone number, a business name, an address, a billing amount data, a settlement data, and an overdue data (S204);

Transmitting the generated inquiry result data to a payment engine (S205);

By executing the payment engine is a step of outputting the member's transaction details, tax invoice (S206).

Hereinafter, the operation of each step of the present invention consisting of the above steps will be described in detail.

First of all, when registering as a new member, the subscriber who wishes to register enters data including his / her business registration number, business name, telephone number, and the like. You choose whether you want to pay using your bill.

The data entered by the new subscribers is stored in the member database, and the data is divided into data including the business registration number, the business name, and the data including the telephone number. To transmit.

At this time, the automatic connection server that received the data including the business registration number and the business name automatically connects to the third jurisdiction tax office or credit rating agency (tax office, credit rating company) by wire or online, etc. It is to request the data necessary for various credit evaluations such as related data and company information.

In this way, when the jurisdiction office or the credit rating agency generates the data necessary for the credit evaluation, it is notified again to the automatic connection server via wire or online, and the automatic connection server based on the data includes a business registration number, a business name, a credit rating data, Authentication and audit data including tax delinquency data are generated and sent to the certification engine.

On the other hand, the telephone payment / query server that receives the data including the phone number is to send the data to the wired and wireless communication company to request a variety of data corresponding to the phone number.

After receiving the phone number, the telecommunication company extracts the data and sends it to the telephone payment / query server again. Based on the transmitted data, the telephone service payment / query server collects the data including phone number, name, address, and overdue data. It is generated and sent to the authentication engine.

As described above, authentication / delivery data including business registration number, business name, credit evaluation data and tax delinquency data using a jurisdiction tax office or credit rating agency, telephone number, name, address and delinquency data using a telephone payment / query server Receiving the data, including the authentication engine is able to determine the eligibility of the subscribers wishing to subscribe by extracting the authentication / audit results by comparing and analyzing these data.

In addition, in the present invention, when the purchase method of goods is selected in advance when registering a new member, if the selected payment means selected to include the purchase price in the bill generated from the telecommunications company, the purchase price and telephone number for each purchase of the goods , The business name is accumulated in the payment DB connected to the telephone payment / query server, which is settled monthly and the purchase amount is transmitted to the telecommunications company. To claim.

At this time, the telephone-based payment / inquiry server receives various data of the member from the telecommunications company to generate data including telephone number, business name, address, billing data, settlement data, delinquent data, and using a separate payment engine A detailed transaction statement is sent to the member or a tax invoice is issued to the required member.

As described above, the present invention implements the certification / screening process for a new member registration by a corporation or an individual company for using e-commerce, based on objective data of a third jurisdiction tax office, a credit rating agency, and a telecommunication company. It is effective in securing customer credibility and pursuing transparency and transparency.

In addition, by the payment method of the purchase price using the billing bill of the telecommunications company, the user can make payment more conveniently.

As described above, according to the present invention, when a corporation or a private company registers as a member for electronic commerce on the Internet, the information inputted by the member is transmitted to a third jurisdiction tax office, a credit rating agency, and a wired / wireless communication company to transmit the data. Based on the credit evaluation result data based on a separate certification engine, the qualification of membership can be confirmed and the objective and transparent credit evaluation can be achieved, and the purchase price of the goods is included in the telephone bill issued by the telecommunication company. By including and issuing transaction details separately, members can purchase goods more easily and can check the details of their purchases directly, eliminating unnecessary friction with the operator of the e-commerce site. You can trade.

Claims (3)

In the electronic commerce system 10 including a member registration and payment routine, Connect the jurisdiction tax office or credit bureau automatic connection server 20 to the member registration routine, and the telephone / payment / query server 40 to transfer the data for membership registration entered by the member, and then re-enter the jurisdiction tax office or credit bureau. (30) and the communication company (50) is sent back to the inquiry results to be reviewed for membership through the authentication engine, The billing routine is connected to the telephone payment / viewing server 40 as described above, transmits the purchase information purchased by the member to the communication company 50, and together with the purchase amount when the telephone company charges the bill. E-commerce credit evaluation and payment system, characterized in that it is possible to claim, and to issue transaction details and tax invoices through a separate payment engine. The method of claim 1, wherein a corporation or a private company enters basic data such as a business registration number, a business name, a telephone number, and selects a payment method when registering a new member after accessing the site for electronic commerce. Step S101; Generating a member database from the input data (S102); Classifying the input member database into authentication / review basic data (S103); A step of separately generating the classified data, the basic data for the jurisdiction tax office or credit rating agency including the business registration number and the business name, and the basic data for the telecommunication company including the telephone number (S104) (S110); Transmitting the basic data for the competent tax office or credit bureau to the automatic connection server (S105); Transmitting data by an automatic telephone connection from the automatic connection server to a competent tax office or credit bureau (S106); Notifying the automatic connection server of the credit evaluation result based on the data received from the automatic connection server (S107); Generating survey result data including a business registration number, a business name, credit evaluation data, and tax delinquency data based on the survey result in the automatic connection server receiving the credit evaluation result (S108); Transmitting the survey result data to the authentication engine (S109); Transmitting basic data for a telecommunication company to a telephone payment / query server (S111); Requesting an inquiry by transmitting basic data for a communication company including a telephone number to a wired or wireless communication company (S112); Transmitting an inquiry result based on the data received from the telephone payment / query server to the telephone payment / query server again (S113); Generating inquiry result data including a telephone number, a name, an address, and an overdue data based on the inquiry result in the telephone-based payment / query server which has received the inquiry result (S114); Transmitting the inquiry result data to the authentication engine (S115); Using the result data through the automatic connection server transmitted to the authentication engine and the result data through the telephone payment / query server, the step of leaking the authentication / audit result through the credit evaluation work (S116) characterized in that the e-commerce Rating system. The method according to claim 1, further comprising the step of: selecting to include the purchase price in a bill issued by a telecommunication company and retrieving the member's data from the member DB when a member registered as a member purchases an article; Transmitting data including a telephone number, a purchase amount, and a business name to a telephone-based payment / query server (S202); The telephone billing / inquiry server that receives the data is used to settle the amount on a monthly basis by using the payment DB and send the data including the monthly bill amount, phone number, purchase amount and business name to the wired / wireless telecommunications company. (S203) including the purchase price to make a claim; Receiving inquiry results from a telecommunication company by using a telephone payment / query server and generating inquiry result data including a phone number, a business name, an address, a billing amount data, a settlement data, and an overdue data (S204); Transmitting the generated inquiry result data to a payment engine (S205); Executing a payment engine to output the transaction details, tax invoices, etc. of the member (S206) characterized in that the e-commerce payment system.