KR20020021956A - An authentication service system of buyer and seller over on-line and a control method thereof - Google Patents

Abstract

PURPOSE: A system and method for authentication of purchaser and seller are provided to minimize the business risk due to the mutual distrust by offering the credit evaluation specifications to both the purchaser and the seller, and to lead the safe business between purchaser and seller through the proper compensation for business troubles. CONSTITUTION: The purchaser reports the own damaged contents to a server of an authentication agency(S20). The server of the authentication agency inquiries the business specifications between the purchaser and the seller(S21) and adjusts the compensation money paid to the purchaser(S22). The server pays the compensation money to the purchaser through an account of the purchaser(S23). While, the server evaluates the credit level of the seller, adjusts the insurance bill, and notifies the result to the seller(S24).

Description

An authentication service system of buyer and seller over on-line and a control method

The present invention relates to an authentication service system and a control method of a buyer and a seller online, and more specifically, to a buyer and a seller to provide the buyer's credit information to the buyer and the seller's credit information to the seller. It relates to a service system and a control method thereof.

The emergence of the World Wide Web has contributed greatly to the specification of Electronic Commerce on the Internet.

The Hypermedia function provided by the World Wide Web enables the display of products based on multimedia, which provides much more vivid product information than existing network-based shopping malls. (Hypertext) function enables easy and effective product search.

Electronic commerce is a type of transaction that introduces traditional commerce to the Internet, which is a combination of a computer and communication means used as a conventional operation, data processing, and calculation means. This is done between the company and between a company (seller) and a consumer.

In relation to e-commerce, various types of shopping malls are operated on the Internet, and such Internet shopping malls are equipped with various items. Accordingly, when the customer accesses and logs in to the Internet shopping mall site, the Internet shopping mall site provides various goods information to the customer, and the customer views the presented goods information and makes a purchase decision about the desired item.

In recent years, the issue of credit has emerged as a big problem in electronic commerce on the Internet. In other words, when conducting electronic commerce on the Internet, the credit of buyers (users) and sellers (businesses) is the most important. In some cases, buyers with poor credit ratings may purchase falsely manipulated credit ratings. There are also a lot of bad sellers that sell things that have appeared. As a result, many disputes arise between buyers and sellers.

The present invention has been made in view of the above-mentioned conventional circumstances, and provides the buyer and seller credit rating details for the buyer and seller, respectively, so that the buyer and seller are authenticated online to minimize the risk of mutual trust. The purpose is to provide a service system.

It is another object of the present invention to provide an authentication service system for buyers and sellers online so as to provide appropriate compensation for problems occurring after commerce through credit information so that they can conduct commerce online with confidence.

Still another object of the present invention is to provide a method of controlling an authentication service of a buyer and a seller online to provide the buyer and the seller with a credit rating history for the buyer and the seller to minimize the risk of mutual trust.

Still another object of the present invention is to provide a method for controlling authentication services of buyers and sellers online so as to provide appropriate compensation for problems occurring after commerce through credit information so that they can conduct commerce online with confidence.

1 is a configuration diagram of an authentication service system of a buyer and a seller online according to an embodiment of the present invention;

2 is a flowchart schematically illustrating a transaction closing process between a buyer and a seller online according to an embodiment of the present invention;

3 is a flowchart illustrating a process of claiming compensation at a buyer side when a transaction accident occurs in an embodiment of the present invention;

4 is a flowchart illustrating a process of claiming compensation at a seller side when a transaction accident occurs in an embodiment of the present invention;

5 and 6 are flowcharts illustrating an accident processing process at the authentication agency server side when a transaction accident occurs in an embodiment of the present invention;

7 and 8 are flowcharts illustrating a purchasing process and an insurance processing process from a buyer's point of view in the embodiment of the present invention.

※ Explanation of code for main part of drawing

10: buyer's terminal 20: seller's server

25: Member information database 27: Transaction history database

30: Buyer Member Database 40: Seller Member Database

50: Incident Management Database 60: Certification Agency Server

In order to achieve the above object, the authentication service system of a buyer and a seller online according to a preferred embodiment of the present invention, the credit information and transaction history information for buyers and sellers as a member occurs in the commerce between buyers and sellers A database for storing the accident history information; And

A server of an authentication agency that performs credit evaluation of the buyer and seller to inform the trading party of the other party's credit status, calculates compensation for damages caused by the online commerce process between the buyer and the seller, and provides the victim to the victim. Equipped.

According to a preferred embodiment of the present invention, a method of controlling an authentication service of a buyer and a seller online includes credit information and transaction history information about a buyer and a seller who are registered as members, and accident history information generated in a transaction between the buyer and the seller in a database. A first process of storing;

A second process of informing a counterparty of a credit status of a counterparty by performing a credit evaluation on the buyer and the seller based on the information stored in the database; And

Comprising a third step of calculating the compensation for damage caused in the online commerce process between the buyer and the seller to provide to the victim.

Hereinafter, with reference to the accompanying drawings, the authentication service system of the buyer and seller online according to an embodiment of the present invention.

1 is a configuration diagram of an authentication service system of a buyer and a seller online according to an embodiment of the present invention, an embodiment of the present invention provides a buyer's terminal 10 capable of accessing the Internet; A server 20 for operating a website of a seller (seller) selling goods on the Internet; Personal information (eg, name, resident registration number, residential address, age, hobby, e-mail address, telephone number, biometric recognition (fingerprint recognition, iris recognition) of the buyer registered as a member on the website operated by the seller's server 20 Membership information database 25 for storing information or encrypted codes); A transaction history database (27) connected to the seller's server (20) and storing information in transaction details performed between the buyer and the seller; Personally identifiable information (e.g. name, social security number, residential address, age, hobby, email address, phone number, etc.), credit information (i.e. information indicating credit rating level) and purchase history (e.g. A buyer member database 30 for storing goods, a purchase date, a purchase price, whether to pay), etc .; The merchant's personal information (e.g., name (trade name), residential address (company address), seller's website address, email address, phone number, etc.) and credit information (i.e. Merchant member database 40 for storing information (meaning information) and sales details (e.g., sales items, sales dates, sales prices, whether or not payment); An accident management database that stores a history of incidents arising from a number of transactional relationships between a user and a seller (e.g., a buyer's complaint with a seller, a seller's complaint, a blacklist for a bad credit buyer, etc.) ); And a web of a certification agency that checks the credit status of the buyer and seller when the transaction between the buyer and the seller is performed online and directly solves the problems occurring in various situations such as delivery / payment / return / refund in the purchase process between the buyer and the seller. It is provided with the server 60 which operates a site.

Here, the purchaser's terminal 10 is generally equipped with an input device such as a keyboard, a mouse or a conventional speech recognition software package, a display device such as a video monitor, a voice output device such as a speaker, and a processing device such as a CPU. It consists of a personal computer with a built-in web-browser. In addition, the purchaser's terminal 10 may be a portable mobile terminal such as a PCS phone, a cellular phone, a PDA, or the like, capable of accessing the Internet.

In FIG. 1, only one terminal 10 and one server 20 of a seller are illustrated, and the number is minimized in order to help the understanding of the drawings.

The seller subscribes as a member to the web site operated by the server 60 of the authentication agency, the server 20 of the seller receives the membership information of the buyer registered as a member to the server of the authentication agency 60 send. In addition, the server 20 of the seller, if a purchaser who is registered as a member requests a transaction by accessing through a data input means (ie, the terminal 10), first of all, the member information database 25 Biometric identification (eg, fingerprint identification, iris identification) information or encrypted code for the buyer is stored in the verification.

The server 60 of the authentication agency transmits the information on whether to confirm the membership to the purchaser's terminal 10 and the seller's server 20, and is responsible for the purchase and sale of goods / services online. To ensure.

In the embodiment of the present invention, membership confirmation is performed at the server 20 of the seller and server 60 of the authentication agency, respectively, which secures more safety by the second confirmation procedure and for the member. To increase the reliability.

The server 60 of the certification agency compensates for the seller in case of a difference with the details requested by the purchaser after purchasing the product or service from the seller or if the seller wants to return the product.

The server 60 of the certification agency accurately informs members (buyers, sellers) of various cases such as usage limits, purchase limits, insurance processing limits, and the like with details of guarantees.

In addition, the server 60 of the certification agency adjusts the insurance amount according to the credit status of the registered sellers to apply the insurance money differentially according to the status of the credit. In other words, the server 60 of the certification agency has a credit rating program for each member in order to set the number of insurance, and the members are provided with clear terms and conditions for the compensation process.

The scope of guarantee performed by the certification agency's server 60 is a compensation range for mutual losses incurred in electronic commerce between buyers and seller members subscribing to the site of the server 60, and the degree of compensation and the limit are separate terms and conditions. Determined by

The purchaser member means a person having an ID number and a password by agreeing to the terms and conditions presented by the website operated by the server 60 of the authentication agency, and the seller member represents a website for selling goods or services on the Internet. Means the person (business) and the person (business) involved in the delivery.

The insurance relationship between the seller member and the certification agency is based on a certain amount of payment form, and the purchaser member automatically takes the form of free subscription to the insurance presented by the certification agency at the time of membership registration. In the server 60, the purchaser member can be notified later that the insurance member is insured. Here, when one buyer is registered with a different ID number in each of several e-commerce sites, the server 60 of the certification agency provides the buyer member database 30 and the seller through sharing information about the affiliated seller member and the buyer member. Organize and modify data in member database 40 and incident management database 50.

Next, the authentication service control method of the buyer and the seller online according to an embodiment of the present invention will be described with reference to the accompanying drawings.

2 is a flowchart schematically illustrating a transaction closing process between a buyer and a seller online according to an embodiment of the present invention.

The purchaser accesses the web site operated by the authentication agency's server 60 through his terminal, and then accesses the desired web site from among the websites of various merchants registered in the form of merchants on the server 60 of the authentication agency. (Step S10). At this time, since the designation logo of the authentication agency is attached to the web site of the seller registered as the member, the buyer knows that the web site of the seller to which he is connected is a web site certified for credit.

Accordingly, the server 20 of the seller determines whether the currently connected buyer is registered as a member on the web site operated by the server 20 based on the data in the member information database 25 (step S11). .

As a result of the determination, if it is confirmed that the user has been registered ("Yes" in step S11), the seller's server 20 concludes a transaction for the purchased goods or services required by the buyer (step S12), and the buyer and the seller. The e-commerce between the two ends. When the e-commerce transaction between the buyer and the seller is concluded, the server 20 of the seller stores the transaction details in the transaction history database 27 and transmits the transaction details to the authentication agency server 60 (step S13).

On the other hand, if the non-member is confirmed in step S11, the server 20 of the seller proceeds to step S14 to request membership and determine whether the purchaser is a member (step S14).

When the buyer registers as a member using his terminal in step S14, the server 20 of the seller stores the member information of the newly registered buyer in the member information database 25 (step S15). The buyer's member information is transmitted to the server 60 of the authentication agency. The server 60 of the certification agency sends a message to the buyer's terminal, a message prompting the purchaser to subscribe to the insurance presented by the certification agency free of charge, and text related to the insurance procedure.

3 is a flowchart illustrating a compensation claim process at a buyer side when a transaction accident occurs in an embodiment of the present invention.

The damage buyer accesses the website operated by the server 60 of the authentication agency through his terminal and reports his damage facts and damage details (step S20).

Accordingly, the server 60 of the certification agency inquires the transaction details between the buyer and the seller at that time stored in the buyer member database 30 and the seller member database 40 (step S21), and pays the damaged buyer. After adjusting the compensation amount (step S22), the adjusted compensation is paid to the damage buyer (step S23). That is, the victim purchaser may inform the affiliated bank account number to the authentication agency's server 60 so that compensation money may be deposited into the affiliated bank account number, and the victim purchaser directly manages the server 60. You can also visit the agency to get compensation.

On the other hand, the server 60 of the authentication agency performs a credit rating evaluation for the seller that caused the damage buyer and adjusts the premium (step S24). The server 60 of the authentication agency notifies the server 20 of the seller of the credit rating evaluation result and the details of the adjusted premium.

4 is a flowchart illustrating a process of claiming compensation at a seller side when a transaction accident occurs in an embodiment of the present invention.

Damaged merchants (sellers) report their damages and damage details through their servers 20 or by accessing a terminal, such as a personal computer, that is not a server, to a web site operated by the authentication agency's server 60. (Step S30).

Accordingly, the authentication agency server 60 inquires the transaction details between the buyer and the seller at that time stored in the buyer member database 30 and the seller member database 40 (step S31), and pays the damage to the merchant. After the compensation amount is adjusted (step S32), the adjusted compensation is paid to the damage merchant (step S33). That is, the affiliated merchant may notify the affiliated bank account number to the authentication agency's server 60 so that a compensation money may be deposited into the affiliated bank account number, and the victim affiliated party directly manages the server 60. You can also visit the certification agency and receive compensation.

On the other hand, the server 60 of the authentication agency prepares a black list for the buyer who caused damage to the damage merchant and transmits to the server of the entire seller registered as a member (step S34). Then, the authentication agency server 60 creates a data file in the form of a notice that the legal action is taken to the buyer who caused the damage to the merchant and sends it to the terminal 10 of the buyer (step S35), The certification agency will take legal action against the buyer who has caused a certain damage to the damage merchant.

5 and 6 are flowcharts illustrating an accident processing process at a server side of an authentication agency when a transaction accident occurs in an embodiment of the present invention.

The server 60 of the authentication agency checks whether the buyer connects to the web site operated by the server 60 through the terminal 10. The server 60 of the authentication agency has linked the web site operated by the server 60 with the web sites of all sellers registered as members.

When the purchaser is connected through the terminal 10 (step S60), the authentication agency server 60 checks whether the currently connected purchaser is a registered member based on the information in the purchaser member database 30. If not a member ("No" in step S41), a data file containing a guide message for requesting membership and a procedure related to membership is transmitted to the purchaser's terminal 10.

When the signal not to sign up from the buyer comes to the authentication agency server 60 ("No" in step S42), the server 60 of the authentication agency returns to the step S40, while the buyer If the registered member ("Yes" in step S41) or the buyer has registered as a new member ("Yes" in step S42), the website of any of the merchants of the registered sellers is the buyer who is the member. Check if you are visiting.

After that, the buyer registered as the member accesses the web site of one of the sellers to perform commerce (steps S43 and S44), and the server 60 of the authentication agency receives the transaction details from the server 20 of the corresponding seller. Received in the form of a data file, the transaction details are stored in the buyer member database 30 and the seller member database 40, respectively.

As described above, when the transaction between the buyer and the seller is performed online, the authentication agency server 60 causes the seller to display the credit status of the seller created based on the information so far on the website of the seller. You will see your credit status and do business. Of course, the server 60 of the authentication agency may inform the seller of the credit status of the buyer during the commerce process.

In the meantime, when the authentication agency's server 60 receives a transaction problem (eg, the buyer raises a question about the seller) between the buyer and the seller, the authentication agency's server 60 reports the fact that the seller receives the problem. The web site of the member is notified (step S45).

Then, the server 60 of the authentication agency inquires the transaction details of the content of the question from the information stored in the buyer member database 30 and the seller member database 40 (step S46), the fact check and deliberation thereof (Step S47).

If it is determined that the seller is not at fault (“No” in step S48), for example, the seller only sells the goods and the delivery of the sold goods is managed by a separate courier company, and damage to the goods occurs during delivery. In the case of being delivered to the corresponding buyer as it is, the authentication agency server 60 sends a data file containing the fact that the parcel delivery company is at fault to the purchaser's terminal 10 and the seller's server 20 (step) S49). On the other hand, if it is determined that the buyer's fault, the server 60 of the certification agency readjusts the credit rating for the buyer according to the degree of the fault, and also put on the list of poor credit buyers. The readjusted credit level information is stored in the buyer member database 30 and the information of the bad credit buyer list is stored in the accident management database 50.

If it is determined that the seller is at fault ("Yes" in step S48), the server 60 of the certification agency determines the compensation level (step S50), and makes the contents of the determined matter in the form of a transferable data file. It sends to the buyer's terminal 10 and the seller's server 20 (step S51).

The server 60 of the certification agency determines whether there is an objection from the seller for the determined reward level. If there is the objection ("Yes" in step S52), the server 60 of the certification agency re-determines the reward level after re-deliberation (step S53) and transmits the contents of the re-determined matters (step S54). The file format is sent to the buyer's terminal 10 and the seller's server 20 (step S55).

If there is no objection from the seller or if the reward level is finally determined in step S55, the server 60 of the certification agency makes a form of a data file that can be provided for the compensation according to the determined reward level and transmits the data to the buyer. Compensation is made by sending to the terminal 10, the buyer informs his or her affiliated bank account number to the authentication agency's server 60 or directly visits it (step S56).

7 and 8 are flowcharts illustrating a purchasing process and an insurance processing process from a buyer's point of view in the embodiment of the present invention.

The purchaser accesses the web site operated by the server 60 of the authentication agency through his terminal 10 (step S60). If the purchaser is a member registered on the website operated by the server 60 of the authentication agency, the buyer can access the desired website among all the seller's websites linked to the website (step S65).

However, if the purchaser is a member who is not registered on the web site operated by the server of the authentication agency, the member can be registered by following the instructions from the server of the authentication agency requesting membership. Information entered in connection with the subscription is stored in the buyer member database 30 by the authentication agency's server 60 (steps S62, S63, S64). In addition, the purchaser is notified that the insurance is free of charge from the server 60 on the authentication agent upon membership registration.

The buyer accesses the website of the desired seller and then purchases and trades the goods or services provided by the website of the seller and pays for them (steps S66 and S67).

Then, the buyer checks whether there is an abnormality in the delivered goods (step S69) when the goods requested by the buyer are delivered (step S68).

If an abnormality is found in the delivered item ("Yes" in step S69), the purchaser applies for compensation to the server 60 of the authentication agency through the terminal 10 (step S70).

Thereafter, the buyer is rewarded from the authentication agency managing the server 60 for the abnormal article (step S71).

As described in detail above, according to the present invention, the buyer can see the indication that he subscribed to the certification agency attached to the seller's website, and can perform commerce in a situation where the risk of product purchase activity is reduced, and the risk arising from the product purchase. It is safe because it is guaranteed by the certification agency.

And if there is a problem with the post-order product, the certification agency compensates the buyer for the post-issue problem, and the certification agency compensates the seller for problems with the poor credit buyer. Reduce the risk of purchasing / selling goods.

In addition, the credit information about the sale and purchase of goods between buyers and sellers is continuously fed back, so that the credit status is continuously updated, which helps in the decision making of product purchase and sale.

On the other hand, the present invention is not limited only to the above-described embodiment, but can be modified and modified within the scope not departing from the gist of the present invention, the technical idea to which such modifications and variations are also applied to the claims Must see

Claims (10)

A database that stores credit information and transaction history information about buyers and sellers registered as members online, and accident details generated in commerce between buyers and sellers; And Perform credit evaluation on the buyer and seller based on the information stored in the database, and transmit the result of the credit evaluation on the other party to the interface means of the trading party through the network, and occur in the online commerce process between the buyer and the seller. And an authentication agency server for calculating a compensation for damages and transmitting the compensation details to the interface means of the victim through a network. The method of claim 1, The server of the certification agency, if the buyer joins as a new member, purchases the insurance free of charge, converts the contents of the insurance to a transferable data file, and transmits the data to the buyer's interface means through the network. Buyer and seller authentication service system online. The method of claim 1, The server of the authentication agency, if the credit of the buyer is bad, create a list of bad credit buyers and converts the bad buyer list to a transferable data file form, characterized in that for transmitting to the interface means of all sellers registered as a member Buyer and seller authentication service system online. The method of claim 1, The server of the authentication agency authentication service system of the buyer and seller on-line, characterized in that to provide a specific authentication mark on the website of the seller registered as the member. The method of claim 1, The server of the certification agency enters into insurance contracts with predetermined contents with all the sellers registered as members, and applies the insurance amount differentially according to the credit status of each seller. system. The method of claim 1, The server of the authentication agency authentication service system of the buyer and seller on-line, characterized in that to calculate the compensation within the compensation range for the mutual loss generated in the commerce between the buyer and the seller. A first step of storing, in a database, credit information, transaction history information, and accident history information generated in a commerce between a buyer and a seller, of a buyer and a seller online; A second process of informing a counterparty of a credit status of a counterparty by performing a credit evaluation on the buyer and the seller based on the information stored in the database; And And a third process of calculating a compensation for damages arising in the online commerce process between the buyer and the seller and providing the victim to the victim. The method of claim 7, wherein If the buyer is a new member is a new member, the insurance free insurance and the fact that the insurance subscription to the buyer characterized in that the buyer and seller control method online. The method of claim 7, wherein If the buyer's credit is bad, the buyer and seller authentication service control method online, characterized in that by notifying all sellers registered as a member by creating a list of bad credit buyers. The method of claim 7, wherein The method of controlling the authentication service of the buyer and seller on-line, characterized in that to calculate the compensation within the compensation range for the mutual loss generated in the commerce between the buyer and the seller.