KR20020063957A - service system and operation method of this system - Google Patents

Abstract

PURPOSE: A service system and a method for managing the same are provided to solve a trouble of a commodity purchasing company by making a transaction between a commodity selling company and a commodity buying company be performed smoothly and rapidly in an electronic commerce between companies. CONSTITUTION: In the case that a transaction order is generated from each transaction company through an on-line, an input of order details with respect to a corresponding commodity is requested. A corresponding order cost is calculated based on the inputted order details. It is checked whether the calculated order cost is exceeded by a predetermined credit line embodied in a corresponding transaction company. If the order cost is exceeded by a predetermined credit line, the contents are informed to a corresponding transaction company and requests a readjustment of the order. If the order cost is not exceeded by a predetermined credit line, the order cost is subtracted from the corresponding credit line and information with respect to the subtracted credit line is readjusted as the remainder credit line of the corresponding transaction company.

Description

Service system and operation method of this system

The present invention relates to a system for ordering goods online and a method of operating the system, and in particular, so that the transaction can be made only with the existing credit ratings, even if cash or card payment is not made when ordering the goods purchased online. It relates to a system and its operation method.

Currently, due to the development of communication technology, commerce between companies is mainly performed as an electronic commerce in which transactions are performed by interconnecting each other through a network installed in each company and exchanging transaction information electronically through the network.

However, there has been a rejection from many individual consumers due to the fact that such online e-commerce, in particular, the seller of the e-commerce article to the person and the buyer of the article do not face directly.

On the contrary, B2B is gradually increasing due to the convenience of the transaction as it is made through the mutual contract between the goods seller and the goods buyer.

However, a problem that arises in the current business-to-business commerce is the need for faster closing of transactions and processing of various costs.

In particular, in a typical business-to-business transaction, a purchaser of a product had a burden of having to pay for the item first and then request a delivery of the item in order to purchase the item.

In addition, there was a problem that the fast purchase of goods could not be carried out as the company had to go through a consultation process between the managers of the mutual companies on the offline.

Therefore, in the past, a credit card was established through a financial company to enable faster transactions.However, a new letter of credit must be established every time the transaction is made. The need for confirmation has not made much difference.

In addition, there was a lot of inconvenience for the purchaser of the goods to contact the financial company as it was not able to determine exactly how much credit limit to purchase the goods.

The present invention has been made to solve the above problems, in the electronic commerce between companies to facilitate the transaction between the goods sellers and goods buyers and at the same time to facilitate the progress of goods buyers The object of the present invention is to provide a service system and its operation method that can alleviate inconvenience.

1 is a configuration diagram schematically showing a service system according to the present invention

2 is a flowchart schematically illustrating an operation process of the service system of the present invention.

Figure 3 is a flow chart schematically showing the process of operating when setting the credit limit of each trading company during the operation of the service system of the present invention

4 is a flowchart schematically illustrating a process operated when a credit limit increase is requested from a specific trading company during an operation process of the present invention service system;

5 is a flowchart schematically showing a process operated for automatic change of the credit limit of each trading company during the operation of the service system of the present invention;

Explanation of symbols for main parts of the drawings

100. Server network 110. Web server

120. DB200. Trading network

300. A network of financial firms

According to the aspect of the present invention for achieving the above object, it calculates the various ordered costs, and compares the order cost and the credit limit of the trading company to determine whether the order is approved, the credit limit of each trading company Web server (Web-server) that manages and settles, notifies the relevant trading companies of various unexpected or unusual situations online, and sets a rating for granting credit limit to each trading company (Web-server ), A server network of an on-line merchandise distributor including a DB (Data Base), which is classified and stored with information on various trading companies, information on each credit limit of the company, and price information for each commodity. ; It provides a service system for on-line order transactions, including: the network of each trading company that accesses the web server of the server network to perform the order of various items, and to perform the request of other various services.

In addition, a method of providing a service using the service system may include: requesting to input an order history of a corresponding item when a transaction order online occurs from each trading company; Calculating a corresponding order cost based on the order details inputted through the step; Conducting a review as to whether the calculated order cost has exceeded any credit limit given to the trading company; If the order cost exceeds any credit limit, notify the trading company of the above contents and request rebalancing of the order. If the order cost does not exceed any credit limit, deduct the order cost from the credit limit. And then re-adjusting the information on the deducted credit limit to the remaining credit limit of the trading company.

In other words, the service system and its operation method according to the present invention is a differential credit given to each trading company (usually, the goods purchase company), rather than a method of prepaying the corresponding goods when the online order transaction, and the purchase of the goods. It suggests that each trading company prepays the goods and then pays the goods within the limit.

Hereinafter, an embodiment according to the configuration and method of the present invention as described above will be described in more detail with reference to FIGS. 1 to 5.

First, FIG. 1 schematically shows the configuration of a service system for on-line order transactions according to the present invention.

That is, the service system according to the present invention includes a server network 100 that is built for online goods sales, a network 200 of each trading company (item purchaser or product producer), and a financial company (or credit). Network of companies (300) is established in conjunction with each other.

At this time, the server network 100 includes a web server (Web-server) 110 for online business-to-business transactions (B2B), and a DB (DB) for storing information on various trading companies and goods; Data Base) 120 is largely composed.

In addition, the web server 110 calculates and calculates each order cost 111, the comparison unit 112 comparing the order cost and the credit limit of the corresponding trading company, manages and settles the credit limit of each trading company The settlement unit 113, the notification unit 114 for notifying the relevant trading companies online of various accidents or unusual situations, the rating agency 115 for setting the rating for granting the credit limit for each trading company, etc. This is built in a linked state.

At this time, the credit limit refers to the limit of the purchase amount of the goods to allow the actual purchase of the goods to be carried out later, the actual payment of cash.

Hereinafter, a service method for order transaction on-line of the present invention using the above-described service system will be described in more detail based on the flowchart of FIG. 2.

First, when a transaction order is generated online from the network 200 of each trading company (item purchaser), the web server 110 of the server network 100 operated by the product selling company performs an authentication process (normally) of the trading company. After the login process, the user is asked to enter the order details for the item, and the credit limit of the trading company is displayed on the web page.

When the order details are input through this process, the calculation unit 111 associated with the web server 110 calculates the cost for the corresponding order based on the input order details.

At this time, the cost information for each article is a state that is already stored in the DB 120, the calculation unit 111 is a state associated with the DB 120 information about the cost of each article stored in the DB To calculate the order cost described above.

In addition, the cost information calculated by the above process is transmitted to the comparison unit 112.

Thereafter, the comparison unit 112 confirms the information on the credit limit amount assigned to the corresponding trading company stored in the DB 120 and transfers the amount information on the calculated order cost to the settlement unit 113. By the credit limit of the trading company.

At this time, when the cost ordered from the trading company exceeds the credit limit of the trading company, the comparing unit 112 transmits the information to the notification unit 114, and the notification unit notifies the trading company of the contents. By requesting rescheduling of the order.

On the other hand, if the order cost is within the credit limit, the approval is performed for the order, and then the approved information is transferred to the settlement unit 113, and the settlement unit sends the order cost from the credit limit of the corresponding trading company. Subtracted, the information on the deducted credit limit is readjusted to the residual credit limit of the trading company and stored in the DB 120, and the adjusted credit limit is displayed on the web page in real time.

And, in the above-described state, if the actual payment for the purchase cost of the goods purchased from the credit limit within the time limit agreed on its own, the settlement unit 113 adds to the remaining credit limit as much as the settlement cost of the corresponding trading company. Readjust the information on the remaining credit limit.

On the other hand, the basic amount of the credit limit granted to each trading company as described above is made differentially for each trading company, which is based on the credit rating of the company normally.

Hereinafter, with reference to Figure 3 showing the setting process for the credit limit is differentially given to each trading company will be described in more detail as follows.

First, the credit limit of each trading company is set in the process of receiving member registration from the trading company.

That is, the server network 100 is configured by referring to information on the corresponding trading company which the corresponding trading company fills in during the member registration process through the online web server 110 (also, offline). The rating authority 115 of the web server 110 performs the verification of the credit rating for the trading company.

In this case, the rating policy 115 may self-evaluate based on rating information of the financial company or credit company self-evaluating the trading company, normal credit information of the trading company evaluated from other companies, and existing transaction details. This is performed by using at least one piece of information.

In addition, when the rating of the corresponding trading company is completed as described above, a differential orderable credit limit is calculated based on the established rating and the size of the trading company.

In this case, the size of the trading company includes the capital of the trading company and the processing capacity of each item.

Subsequently, the credit limit calculated as described above is stored on the DB 120 together with information about the trading company when online registration of the trading company is completed.

However, the credit limit is not limited to the calculation of the credit limit by the above-described process, and the financial institution performs calculation of the credit limit of the specific trading company and purchase price of the goods within the calculated credit limit. If so, there may be a method of performing a prepayment of the purchase price of the goods to the goods seller from the financial company, and to receive the goods payment from the goods purchase company, that is, a trading company.

Of course, in this case, it is preferable that the credit limit is set by the credit transaction between the corresponding trading company and the financial company without the need for a separate letter of credit, so that a complicated process can be omitted.

This method is more convenient because the trading company can purchase the goods freely within the predetermined credit limit in purchasing goods online.

On the other hand, the orderable credit limit for the company established by the method as described above is only the basic amount is not necessarily set to only the calculated limit amount.

That is, it is preferable to increase or decrease the allowable credit limit according to a request for the corresponding trading company or a change in the transaction details and size of the trading company.

Therefore, the present invention further provides a process for increasing or decreasing the credit limit, which will be described below with reference to the flowchart of FIG. 4.

First, when there is a request for an increase in the credit limit from the corresponding trading company, the web server 110 that receives the request controls the rating policy 115 to control the overall credit rating and allowable credit limit of the trading company. Check the range.

If the credit limit requested from the trading partner is excessively larger than the identified allowable credit limit, the denial of the request for the increase of the credit limit is notified, and re-adjustment is made through mutual consultation. .

On the other hand, if the credit limit requested from the trading partner is roughly similar or insufficient to the identified allowable credit limit, or if there is a request to reduce the orderable credit limit, the requested credit limit is notified at the same time. As a result of resetting the limit of the available credit of the trading company and storing it in the DB 120, the process according to the change of the limit of credit is completed.

In addition, the credit limit adjustment process does not proceed only when there is a request for the increase or decrease of the credit limit from the corresponding trading company as described above, and the credit of the corresponding trading company is continuously checked through the server network 100. More preferably, the limit is automatically changed and set.

That is, the server network 100 of the service system of the present invention, as shown in the flowchart of FIG. By continuously checking the items of, and setting a predetermined differential rating, the credit limit of each trading company is increased or reduced according to the set differential rating.

On the other hand, the trading company according to the present invention is not limited to only one corporate body, it may be a single individual.

In this case, the credit limit of the individual may be granted through the credit limit, or by setting the deposit amount in advance to the credit limit, the above-described service according to the present invention is possible.

As described above, the following various effects can be obtained by the service system for on-line order transaction and the service method using the system according to the present invention.

First, when ordering the purchase of goods online, the trading company (item purchaser) can effect the purchase of goods more quickly because the transaction can be made only with the existing credit rating even without cash or card payment. have.

Second, it is possible to activate more active e-commerce by being subject to differential credit limits depending on the credit and size of each trading company.

Third, in the process of ordering goods purchase, each trading company can check the information on the credit limit set for itself and the information on the remaining credit limit according to the goods purchase order in real time to perform more convenient goods purchase order. There is an effect that can be done.

Claims (8)

Calculates various ordered costs, compares the order cost with the credit limit of the corresponding trading company, determines whether the order is approved, manages the credit limit of each trading company, settles and manages various accidents or unusual situations. Web server to notify the relevant trading companies online, and to set a rating for granting credit limit to each trading company, information on various trading companies, and A server network owned by an online merchandise vendor including a database (DB; Data Base) in which information on each credit limit and price information of each article are classified and stored; And a network of each trading company that accesses a web server of the server network to perform various orders and performs other various service requests. Requesting to enter an order history for a corresponding item when a trading order is generated online from each trading company; Calculating a corresponding order cost based on the order details inputted through the step; Conducting a review as to whether the calculated order cost has exceeded any credit limit given to the trading company; If the order cost exceeds any credit limit, notify the trading company of the above contents and request rebalancing of the order. If the order cost does not exceed any credit limit, deduct the order cost from the credit limit. And then re-adjusting the information on the deducted credit limit to the remaining credit limit of the trading partner: a method of operating a service system for on-line order transactions. The method of claim 2, The setting for the default random credit limit is In the process of receiving a member registration from a trading company, setting a credit rating for the trading company; Calculating an orderable credit limit according to the established credit rating of the trading company and the size of the trading company; And storing the calculated information on the orderable credit limit together with each information of the corresponding trading company: a method of operating a service system for on-line order transaction, comprising: a. The method of claim 3, wherein Each vendor's credit rating is At least one of the rating information that the financial company or other credit company self-evaluated the trading partner, the normal credit information about the trading company evaluated by the other business, or information that is self-validated based on the existing transaction history A method of operating a service system for on-line order transactions, characterized in that performed using. The method of claim 2, Continuously checking at least one of items such as existing transaction history of each trading company, credit level of the transaction, and peripheral evaluation of the trading company; Setting a predetermined differential grade through said step; And performing the increase or decrease of the credit limit of each trading company according to the set differential grade: further comprising the step of operating a service system for on-line order transaction. The method of claim 2, When there is a request from the trading company to increase the credit limit Reconfirming the overall credit rating of the trading company; Checking a basic credit limit provided according to the identified credit rating; If the credit limit requested from the trading partner is excessively larger than the confirmed basic credit limit, the credit limit requested from the trading partner is approximately equal to the confirmed default credit limit. Resetting the credit limit of the trading partner to the requested credit limit at the same time as the permission of the request, if similar or insufficient, further comprising: a method of operating a service system for on-line order transactions. . The method of claim 2, If the actual payment for the purchase price of the goods purchased within the credit limit is made within the agreed time limit, the operation further includes the step of re-adjusting the information on the remaining credit limit to the credit limit set by the relevant trading partner. Operating a service system for on-line order transactions. The method of claim 2, When there is a request for a transaction order online from a trader, the credit limit of the trader is displayed on the web page, and if the trader chooses to purchase a specific item, the credit limit of the displayed credit limit is equal to the purchase cost of this product. A method of operating a service system for on-line order trading, further comprising the step of making the deduction in real time.