KR20020017708A - Method for Securing Safety On Internet Electronic Commerce - Google Patents

Abstract

PURPOSE: A method for providing insurance service on the Internet EC(Electric commerce) is provided to make security of EC transaction by automatically taking out an insurance to each EC transaction. CONSTITUTION: The method comprises steps of a buyer(10) connecting a wed site(20) providing an insurance service to an EC transaction, the user ID and password of the user, displaying a display window in order to make the user search goods and service to buy, displaying a search result corresponding to the keyword after receiving the user's keyword, the buyer moving to one of the shopping mall(30,40) among the displayed search result, noticing the movement from the web site to the shopping mall, and taking out automatically an insurance to the buying transaction in case that the user accesses again the web site after buying at the shopping mall.

Description

How to Provide Insurance Services in Internet Ecommerce {Method for Securing Safety On Internet Electronic Commerce}

The present invention relates to a method for ensuring the convenience and safety of electronic commerce over the Internet, and more particularly, to provide an insurance service that guarantees the commerce risk that may occur in the Internet electronic commerce to ensure the safety of electronic commerce The present invention relates to a method of providing insurance services in Internet e-commerce.

With the development of the Internet, websites that sell various goods and services, especially Internet shopping malls, are rapidly increasing, and the number of products sold directly through electronic commerce is also increasing.

As such, as the use of the Internet is greatly increased, electronic commerce using the same has emerged as a means for leading the transformation of the economic society. The global e-commerce market is estimated at $ 77 billion as of the end of 1998, and is expected to grow by 69% annually over the next five years, exceeding $ 1 trillion in 2003.

E-commerce is closely related to the number of Internet users, which rose from 45 million in 1995 to 125 million last year, and by 2000 it is estimated that nearly 200 million people will use the Internet.

As the number of shopping malls increases with the increase of the Internet population, many internet shopping malls tend to provide almost all kinds of goods and services. With this tendency, consumers who want to purchase goods or services through electronic commerce have difficulty in selecting an Internet shopping mall that can most appropriately supply the required goods or services.

In particular, although e-commerce is spreading as it replaces the existing distribution order, users still have a lot of anxiety about the safety of e-commerce. Concerns about the safety of such transactions have emerged as one of the biggest problems in the development of e-commerce.

Risk factors for e-commerce include, for example, the risk of misuse of personal information, including the card number, when a credit card is used as a payment method. There is a risk of not giving, and a third is a risk that the seller sends out the goods but the buyer cannot receive the purchased goods due to an accident during the delivery process.

In order to solve the anxiety of the Internet users, various methods for ensuring the safety of electronic commerce have been studied. Among them, insurance products have recently been developed to guarantee the risks arising from the e-commerce process. In other words, when a buyer purchases insurance for a predetermined period of time, the insurance is designed to compensate the accident of an e-commerce occurring within the period within a certain range, and the subscriber pays the insurance money.

However, these insurance products are not only economically burdensome to subscribe as a subscriber, but also have a problem in ensuring the safety of the Internet e-commerce because the subscription process is cumbersome.

Accordingly, the present invention has been made to solve the above problems, an object of the present invention is to provide an insurance service in the Internet e-commerce to ensure the safety of e-commerce by automatically insured every e-commerce case To provide.

Another object of the present invention is to provide a method for providing an insurance service in an internet e-commerce where a consumer can search for a product in a shopping mall that can receive insurance benefits.

It is still another object of the present invention to provide a method of providing insurance services in Internet e-commerce, in which a consumer can recommend excellent products over a predetermined standard among products of a shopping mall that can receive insurance benefits.

1 is a schematic diagram of an internet network required to implement a method for providing insurance services in an internet e-commerce according to the present invention.

2A and 2B are flowcharts of a method for providing insurance services in an e-commerce as an embodiment according to the present invention.

3A and 3B are flowcharts of a method of providing insurance services in an e-commerce as another embodiment according to the present invention.

♣ Explanation of symbols for the main parts of the drawing ♣

10: Consumer PC

20: e-commerce insurance service providing server

30, 40: shopper server 50: insurance company server

This object of the present invention comprises the steps of a buyer accessing a website that provides insurance services for electronic commerce; Confirming the purchaser's ID and password; Displaying a search box on the buyer to search for the goods or services the buyer wants to purchase; Receiving a search term of the buyer and displaying a search result corresponding to the search term; Informing the shopping mall of the fact that the purchaser moves to a shopping mall from among the displayed search results; When the purchaser reconnects to the website after completing the purchase at the shopping mall, the purchaser is automatically provided with insurance, thereby providing an insurance service in the Internet e-commerce.

In the present specification, a shopping mall is used to mean a website that presents a plurality of products manufactured by various manufacturers through an Internet homepage and sells them to a buyer, as well as a website that sells its products by the manufacturer itself. do. In addition, since goods are sold in an Internet shopping mall, but intangible services may also be sold, such services are included in the scope of the electronic commerce of the present invention, and in this specification, an article is understood as a concept including both goods and services. .

In the method of the present invention, an Internet shopping mall is searched for a product or service to be purchased by accessing a website that recommends, and is automatically purchased to a purchaser who purchases an item at one or a plurality of shopping malls. You will proceed with the insurance.

That is, in the present invention, the purchase of insurance is easy because the purchaser is not automatically insured for the e-commerce for a certain period of time with the insurer, but is automatically insured for each purchase unit. There is this. The moment the purchaser completes the purchase through the recommended shopping mall (s), the shopping mall server returns to the e-commerce insurance service providing server, and the e-commerce insurance service providing server directly transmits the shopping information to the insurance company server. The insurance information transmitted to the insurance company's server includes information on the purchaser's name, address, social security number, and the price and quantity of the purchased goods.

The insurance company server notifies the electronic commerce insurance service providing server of the approval of the insurance subscription. However, if the buyer is registered as a credit failure, the insurance company server may not approve the insurance.

When the insurance company server approves the request for insurance, the buyer is notified of the approval, and is also sent to the shopping mall server. Therefore, the purchaser can confirm the insurance company's guarantee at the same time as the purchase behavior, so that the buyer can purchase the goods with confidence.

According to another feature of the present invention, when a purchaser who purchases an item in an internet shopping mall selects insurance, the signal is received and transmitted to the insurance company server, and the insurance approval information of the insurance company server is transmitted to the shopping mall server. A system is provided for subscribing to internet insurance to ensure the safety of electronic commerce for delivery.

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

1 is a diagram schematically showing an entire system for implementing a method for providing insurance service in an Internet e-commerce according to the present invention.

As shown in FIG. 1, a system for performing an Internet shopping mall search, recommendation and internet insurance agency service according to the present invention includes a PC 10 to which a plurality of consumers access the Internet, and an e-commerce insurance service providing server ( 20, a plurality of shopping mall server 30, 40, and insurance company server 50, these devices are connected via the Internet. It is preferable to use an internet network for this connection, and it is particularly preferable to use a leased line in order to secure communication stability and high speed. Here, the Internet may be a wired network or a wireless network. In the case of a wireless network, the consumer PC 10 displayed as a means for the consumer to access the Internet will be a wireless communication terminal such as a mobile phone or a PDA. At present, since the Internet and the construction of a server system connected to the Internet are well known technologies, detailed descriptions are omitted.

Hereinafter, with reference to FIGS. 2A and 2, a method of providing insurance service in Internet e-commerce as an embodiment according to the present invention will be described with reference to the e-commerce insurance service providing server 20 in FIG. 1.

As shown in Fig. 2A, when the buyer accesses the e-commerce insurance service providing server 20 (S200), it is determined whether the buyer is a member (S202). The e-commerce insurance service providing server 20 may be connected to one shopping mall, but more preferably, the e-commerce insurance service providing server 20 is connected to a plurality of shopping malls, and is configured to provide insurance for an individual unit regarding electronic commerce of the shopping malls. Therefore, if a buyer who accesses the homepage of the e-commerce insurance service providing server 20 or a buyer who has moved from another shopping mall has already signed up for insurance, the name or identification of the buyer is registered. Since thereafter, the insurance is not required to re-enter the personal information by confirming the ID, and then proceeds directly to the next step (S206). If not, to be a member (S204). In the step of joining the member, the e-commerce insurance service providing server 20 provides a personal information input window so that the personal information of the corresponding buyer can be input. At this time. In addition to the personal information provided by a normal shopping mall, a member information input window for joining a member adds a personal information record field according to an insurance company's regulations necessary for an insurance company to receive insurance services.

When the purchaser's membership is confirmed, the e-commerce insurance service providing server 20 displays a search box so that a search box for easily searching for a purchase product or purchase service that can receive insurance service is displayed on the consumer PC 10. In this way, the shopper can easily search the shopping mall. The search box may be provided similarly to a general search box, except that all shopping malls displayed as search results are shopping malls that can receive insurance services.

In an embodiment of the present invention, when there are a plurality of shopping malls displayed as a search result, the shopping malls are arranged in a suitable order according to a predetermined criterion and provided to a purchaser, so that a buyer can easily move to an advantageous shopping mall. It is recommended (S208).

The buyer moves to one or more of the recommended shopping mall (s) (S210), and when the shopping is completed (S212), it is configured to return to the e-commerce insurance service providing server (S214).

When moving from the e-commerce insurance service providing server 20 to another shopping mall server (for example, the first shopping company server 30 or the N-th shopping company server 40), from the e-commerce insurance service providing server 20 It is programmed to be automatically moved back to the fact that it was moved and shopping completed. On the contrary, the shopping mall server (for example, the first shopper server 30 or the Nth shopper server 40) recognizes that the shopper has moved from the e-commerce insurance service providing server 20, and the shopper Is programmed to go to the e-commerce insurance service providing server 20 immediately after shopping is completed. As such, information about which server the buyer information comes from is included in the server mobile power, so that the above program can be implemented using this information. At this time, when shopping is completed in one shopping mall server and automatically moved to the e-commerce insurance service providing server 20, information including the purchase information (such as the name of the mall, the type and quantity of the shopping mall) along with the purchaser's member information is e-commerce. It is input to the insurance service providing server 20.

The e-commerce insurance service providing server 20 transmits the insurance application contents including the purchaser's member information and the product purchase information to a predetermined insurance company server 50 to provide insurance services for the purchase of the goods of the buyer. (S216). The insurance company server 50 determines the insurance subscription approval for the fact of purchase with a predetermined program, and provides the determined fact to the e-commerce insurance service providing server 20. When the e-commerce insurance service providing server 20 receives a notification of insurance coverage from the insurance company server 50 (S218), it is determined whether the applied insurance coverage is approved (S220). If the applied insurance is approved, the buyer and the shopping mall are notified of the approval (S222) (S224). If the applied insurance is not approved, the buyer and the shopping mall are notified that the insurance is not insured (disapproval) (S226) (S228).

If the insurance is approved, the purchaser can immediately confirm that the insurance was purchased for the immediately purchased item such as an approval number. In this case, the insurance company compensates for the damage caused by the transaction according to the prescribed conditions.

3A and 3B, a method of providing insurance services in Internet e-commerce as another embodiment of the present invention will be described.

2A and 2B, the insurance service providing method according to the exemplary embodiment of the present invention is first connected to the e-commerce insurance service providing server 20 in order for the buyer to receive the insurance service, and then searches, recommends a shopping mall, accesses a shopping mall, and completes shopping. , The e-commerce insurance service providing server 20 is reconnected, the insurance is made in the order of. Therefore, in order to receive the insurance service for the e-commerce in the embodiment described in FIGS. 2A and 2B, it corresponds to a case where shopping is performed after first connecting to the e-commerce insurance service providing server 20.

On the other hand, in the embodiment provided in Figs. 3A and 3B, even if the e-commerce insurance service providing server 20 is not accessed first, the purchaser who has already registered as a member first completes the shopping in the shopping mall that provides the e-commerce insurance service. You can also apply for insurance services.

As shown in Figures 3A and 3B, first, when a buyer (including a shopper who completed shopping at a shopping mall that provides e-commerce insurance service) accesses the e-commerce insurance service providing server 20 (S300), the buyer It is determined whether the member (S302). When shopping is completed first at a shopping mall that provides an e-commerce insurance service, since the shopping mall server accesses the e-commerce insurance service providing server 20 together with the member information and the shopping contents information, it is determined whether the member has the member information. can do.

Next, in the case of a member judging step (S302), it is determined whether the member is connected to another shopping mall for purchase or whether it is connected after completing shopping (S305). In the case of a member who is connected after the shopping is completed, the shopping mall server accesses the member information and the shopping content information so that the member may determine whether the member is connected before or after shopping.

If it is not a member to join as a member (S304). In the step of joining the member, the e-commerce insurance service providing server 20 provides a personal information input window so that the personal information of the corresponding buyer can be input. At this time. In addition to the personal information provided by a normal shopping mall, a member information input window for joining a member adds a personal information record field according to an insurance company's regulations necessary for an insurance company to receive insurance services.

In the case of a member before shopping and a new member, the e-commerce insurance service providing server 20 displays a search box on the consumer PC 10 to easily search for purchased products or purchase services that can receive insurance services. By providing a search box so that the buyer can easily search the shopping mall (S306). The search box may be provided similarly to a general search box, except that all shopping malls represented as a search result are shopping malls that can receive an e-commerce insurance service.

In an embodiment of the present invention, when there are a plurality of shopping malls displayed as a search result, the shopping malls are arranged in a suitable order according to a predetermined criterion and provided to a purchaser, so that a buyer can easily move to an advantageous shopping mall. It is recommended (S308).

The buyer moves to one or a plurality of shopping malls (S310) recommended (S310). When the shopper completes shopping, the member information and the shopping information are provided to the e-commerce insurance service providing server 20 by a program installed in the shopping mall server.

When moving from the e-commerce insurance service providing server 20 to another shopping mall server (for example, the first shopping company server 30 or the N-th shopping company server 40), from the e-commerce insurance service providing server 20 It is programmed to be automatically moved back to the fact that it was moved and shopping completed.

On the contrary, the shopping mall server (for example, the first shopper server 30 or the Nth shopper server 40) recognizes that the shopper has moved from the e-commerce insurance service providing server 20, and the shopper Is programmed to go to the e-commerce insurance service providing server 20 immediately after shopping is completed.

On the other hand, the buyer may immediately access the shopping mall server without access to the e-commerce insurance service providing server 20 to complete the shopping may move to the e-commerce insurance service providing server 20. In this case, the electronic commerce insurance service providing server 20 may move to the electronic commerce insurance service providing server 20 only when the member is a member of the service provided.

On the other hand, if the member accesses after shopping in step S305, when moving from the shopping mall server to the e-commerce insurance service providing server, the product purchase information is extracted with the member information of the buyer from the obtained information.

The e-commerce insurance service providing server 20 transmits the insurance application contents including the purchaser's member information and the product purchase information to the predetermined insurance company server 50 in order to provide insurance services for the purchase of the goods of the buyer. (S316). The insurance company server 50 determines the insurance subscription approval for the fact of purchase with a predetermined program, and provides the determined fact to the e-commerce insurance service providing server 20. When the e-commerce insurance service providing server 20 receives a notification of insurance coverage from the insurance company server 50 (S318), it is determined whether the applied insurance coverage is approved (S320). If the applied insurance is approved, the buyer and the shopping mall are notified of the approval (S322) (S324). If the applied insurance is not approved, the buyer and the shopping mall are notified that the insurance is not insured (disapproval) (S326) (S328).

If the insurance is approved, the purchaser can immediately confirm that the insurance was purchased for the immediately purchased item such as an approval number. In this case, the insurance company compensates for the damage caused by the transaction according to the prescribed conditions.

When insurance is purchased for each electronic commerce by the system according to the present invention, the premium may be borne by the purchaser itself, or may be borne by the operator of the e-commerce insurance service providing server 20 or the shopping mall operator. The operator of the e-commerce insurance service providing server 20 may pay advertisement premiums by attracting advertisements to the website or by providing additional services to the subscribed members based on the member's acquisition, and the mall operator may pay the premium. You can pay all or part of your premium because it is a condition to sell more items based on safety. Therefore, the purchaser, the shopping mall operator or the system operator may share the insurance premium at an appropriate ratio. Preferably, the shopping mall operator and the system administrator share the insurance premium at a certain ratio and do not bear the buyer. Under these conditions, the buyer can purchase insurance free of charge to ensure the safety of the purchase.

As can be seen from the above description, according to the method of the present invention, it is possible to automatically purchase insurance for every e-commerce case, so that the buyer can be guaranteed the safety when the e-commerce.

In addition, it is possible to conveniently purchase a product by enabling a search for a shopping mall that sells a product that can receive insurance services.

In addition, a buyer can purchase a good quality product by recommending a superior product over a predetermined standard among the products of a shopping mall where a consumer can receive insurance benefits. When the insurance is made by the system of the present invention, the premium is paid by the shopping mall operator or the operator of the system, so that the buyer can automatically sign up for the insurance free of charge, so that the security in the e-commerce is further secured and the transaction is activated. It has the advantage that it can contribute greatly.

Claims (7)

A buyer accessing a website that provides insurance services for electronic commerce; Confirming the purchaser's ID and password; Displaying a search box on the buyer to search for the goods or services the buyer wants to purchase; Receiving a search term of the buyer and displaying a search result corresponding to the search term; Notifying the shopping mall of the fact that the mobile station is moved from the website when the mobile station moves to a shopping mall among the displayed search results; When the buyer re-connects to the website after completing the purchase in the shopping mall, providing a insurance service in the Internet e-commerce, comprising automatically purchasing a purchase transaction. The method of claim 1, This method, After the step of subscribing to the insurance, providing the insurance service in the internet e-commerce further comprising notifying the purchaser and the internet shopping mall of the insured fact. The method of claim 2, This method, And after displaying the search result of the buyer, recommending a shopping mall having the predetermined reference or more. The method of claim 3, wherein the insurance insurance information of the buyer comprises personal information of the buyer, information on the type and price of the purchased goods, and information on the shopping mall. A purchaser is a member of a website that provides insurance services for electronic commerce, and is provided with insurance services for the electronic commerce occurring in an internet shopping mall. After the purchaser completes the purchase at the shopping mall, applying for the insurance subscription service at the shopping mall and accessing the website; Confirming the purchaser's ID and password; And automatically insuring a transaction activity for the purchase. The method of claim 5, This method, And after the subscribing to the insurance, notifying the purchaser and the internet shopping mall of the insured fact. The method of claim 6, The insurance insurance information of the buyer includes information on the personal information of the buyer, the type and price of the purchased goods, and information on the shopping mall.