KR20020011153A - A methord of credit guarantee for buyer in electronic commercial transaction - Google Patents

Abstract

PURPOSE: A purchaser credit certification method is provided to certify a credit of a purchaser for a shopping mall so that the shopping mall can securely perform an electronic commerce over the internet. CONSTITUTION: The method comprises steps of a credit guarantee web server advertising a credit certification over a plurality of shopping malls, a purchaser making an access to the credit guarantee web server and requesting the credit certification of himself or herself, a web master of the credit guarantee web server assessing the requesting purchaser and determining a credit level, a credit certification fee and a guarantee range, the web master negotiating the credit guarantee range and the credit certification with an operator of the shopping mall, the web master making a contract on the negotiated items with the shopping mall and publicizing the contract, and the web master surveying a claim and assessing a compensation in the case that a shopping mall makes a claim for a compensation to the credit guarantee web server.

Description

A methord of credit guarantee for buyer in electronic commercial transaction}

The present invention relates to a method of guaranteeing the credit of the buyers to the shopping mall 40 on the e-commerce.

With the recent development of communication technology and the rapid spread of the Internet, electronic commerce using the Internet is rapidly expanding. However, until now, in the e-commerce transaction, buyers 10 have to pay the price before receiving the goods, so the trust and safety of the transaction have not been secured, and there is no guarantee of delivery delay, exchange delay, return and refund. There was a problem.

As such, the lack of trust of buyers due to the prepayment method of payment is the biggest obstacle to the activation of e-commerce.

Recently, in order to solve the above problems, a method of paying a transaction price to a shopping mall when an e-commerce transaction is completed after a purchaser deposits a transaction price to a bank or a specific site during an e-commerce transaction has been proposed. However, since the method pays the shopping mall after the transaction is completed, the reliability and safety of the transaction are secured, but the buyer has to pay the service fee and the inconvenience of having to prepay the transaction price from the buyer's point of view.

An object of the present invention is to provide a method for guaranteeing the credit of the buyer to the shopping mall at the time of e-commerce to enable the payment of the payment after the transaction is completed for the activation of the e-commerce.

The present invention is to provide a method for guaranteeing the credit of the buyer to the shopping malls on the e-commerce to enable payment of the transaction after completion of the e-commerce. In addition, the present invention is to provide a buyer credit guarantee method for the e-commerce buyers to solve the problem of lack of trust due to the e-commerce, and give the shopping malls the effect of increasing the sales due to the trust.

1 is a block diagram of a system for implementing the present invention.

Figure 2 is a flow chart for evaluating and guaranteeing the credit of the buyer in the present invention.

3 is an operation flow diagram for compensating for this when a claim occurs in the present invention.

※ Explanation of main parts in drawings

10: Buyer 30: Credit Guarantee Web 40: Shopping Mall

50: Internet network 31: Web server 32: Database

33: mail server

Buyer credit guarantee method on the e-commerce of the present invention for achieving the above problems,

[Iii] the credit guarantee web 30 promoting the contents of the credit guarantee to each shopping mall 40;

[Ii] the purchasers 10 accessing the credit guarantee web server 31 through the Internet and requesting the shopping mall 40 to guarantee their credit;

[Iii] a step of determining, by the credit guarantee web buyer, the credit guarantee, the credit rating, the credit guarantee price, and the scope of the credit guarantee after the credit evaluation of the buyer;

[Iii] a credit guarantee web master and a shopping mall operator negotiating, contracting and disclosing the credit guarantee price of the buyer 10;

[Iii] the claim is received from the shopping mall 40, the credit guarantee webmaster investigates, verifies and compensates for it, and readjusts the credit guarantee fee of the corresponding buyer 10; Characterized in that made.

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

1 is a block diagram of a system for implementing the present invention, [i] Buyer 10 terminal and shopping mall 40 and [10] accessing the credit guarantee web 30 of the present invention through the Internet network 50 [ Ii] a credit guarantee web 30 which guarantees the credit of the buyers 10 to the shopping malls 40 and [iii] an internet communication network 50 connecting the credit guarantee web 30 to the buyer terminal and the shopping mall. do.

The credit guarantee web 30 is composed of a web server 31, a database 32, a mail server 33, a firewall, a controller and an application program. The database 32 stores various information about the member buyer and the shopping mall.

The electronic commerce shopping mall credit guarantee method of the present invention made through the block configuration configured as described above will be described with reference to the operation flowcharts of FIGS.

First, the credit guarantee web 30 promotes the buyer credit guarantee service to each shopping mall 40 to induce members accessing each shopping mall 40 to apply for the credit guarantee service. In this case, the credit guarantee web 30 may be connected to each shopping mall 40 so as to be able to access the credit guarantee web 30 by one-click in each shopping mall 40. Apart from this, the credit guarantee web 30 may directly recruit members through its own public relations means.

Next, the purchasers 10 wishing for credit guarantee access the credit guarantee web server 31 to the terminal through the internet communication network 50 and apply for their credit guarantee on the e-commerce. In this case, the purchaser 10 inputs bibliographic information necessary for credit evaluation such as a shopping mall, his job, a salary, and a transaction result with the shopping mall.

Next, the credit guarantee web 30 master evaluates the applicant's credit to determine whether the credit guarantee is made first, and if the credit guarantee is possible, the credit rating, the credit guarantee price, and the credit guarantee range are determined. In evaluating credit guarantee, credit guarantee scope, and credit rating, it is desirable to reflect the buyer's occupation, salary, e-commerce performance, and credit rating agency's opinion.

The credit guarantee price is determined by the buyer's credit rating. For example, if your credit rating is low, set your credit guarantee costs high. Credit guarantee coverage is for the buyer's payment of unpaid payments. In some cases, compensation may also be included in the credit guarantee. It is desirable to differentiate the compensation amount by the payment delay period. For example, if the payment is due within 5 days, 1% of the payment can be made, and if the delay is 6 to 10 days, 2% of the payment can be adopted.

Next, the master of credit guarantee web 30 notifies the shopping mall 40 of the credit guarantee range and the credit guarantee price determined by itself, and negotiates / contracts the specific conditions with the shopping mall 40 based on this. When the contract is established, the credit guarantee scope is disclosed on the credit guarantee web 30.

After the contract is established / disclosed as described above, if a claim is received from the guaranteed shopping mall, the credit guarantee web 30 master checks and confirms it as shown in FIG. 3. At this time, the credit guarantee web 30 master checks the facts to the buyer. Complaints will be compensated if the claims received are within the scope of the guarantee. The credit guarantee web 30 master notifies the shopping mall of the compensation details, and if necessary, readjusts the credit guarantee fee with the shopping mall.

As described above, the present invention guarantees the credit of the buyer on the e-commerce, and thus the shopping mall may deal with the buyers in a postpaid manner. As a result, the trust of buyers is secured and sales of shopping malls increase. In addition, if there is no payment of the transaction price can also be compensated from the credit guarantee Web (30).

On the other hand, buyers can secure e-commerce through post-payment method without paying a fee for credit guarantee separately.

The present invention guarantees the credit of the buyer on the e-commerce, so that the e-commerce can be safely performed even in the post-payment method of the transaction price. As a result, e-commerce becomes more active, resulting in an increase in sales of shopping malls. In the present invention, the purchaser pays the transaction price after confirming the transaction item, so that the anxiety caused by the e-commerce can be solved, and there is no additional guarantee fee burden. On the other hand, in the case of the shopping mall can be compensated from the credit guarantee Web 30 even if the transaction price is not settled.

Claims (3)

[Iii] the credit guarantee web 30 promoting the contents of the credit guarantee to each shopping mall 40; [Ii] the purchasers 10 accessing the credit guarantee web server 31 through the Internet and requesting the shopping mall 40 to guarantee their credit; [Iii] a step of determining, by the credit guarantee web buyer, the credit guarantee, the credit rating, the credit guarantee price, and the scope of the credit guarantee after the credit evaluation of the buyer; [Iii] a credit guarantee web master and a shopping mall operator negotiating, contracting and disclosing the credit guarantee price of the buyer 10; [Iii] the claim is received from the shopping mall 40, the credit guarantee webmaster investigates, verifies and compensates for it, and readjusts the credit guarantee fee of the corresponding buyer 10; Buyer credit guarantee method on the e-commerce, characterized in that consisting of. The method of claim 1, wherein the evaluation of the buyer's credit guarantee and the credit rating reflect the buyer's job, salary, performance, and rating opinion of the credit rating agency. The method according to claim 1, wherein the purchaser (10) inputs the shopping mall, his job, salary, and transaction results when applying for the credit guarantee.