KR20020083979A - Electronic Commerce System and Method for Advance Selling and Buying of Goods - Google Patents

Abstract

PURPOSE: A system and a method for the EC(Electronic Commerce) for the reservation sales and purchases are provided to stimulate reasonable and planned consumption of a consumer and to make a manufacturer effectively predict demands by realizing the reservation-based electronic commerce. CONSTITUTION: An external interlock system(10) communicates with a manufacturer computer(140) and a financial company computer(130) connected via a computer network(110). A customer response system(40) communicates with a customer computer(120), displays articles, and induces customers to purchase the articles. An internal management system(70) connected with the external interlock system and the customer response system manages the installment money of the articles and maintains the customers. A dataware house(90) manages the data related with purchasers, the data about the articles for reservation sale, the data about installment money, and the data about expiration article request.

Description

Electronic Commerce System and Method for Advance Selling and Buying of Goods}

The present invention relates to an electronic commerce technology, and more particularly, to an electronic commerce system and method capable of pre-sale and purchase of goods.

With the development of information and communication technology and computer technology and the rapid increase in the number of Internet users, electronic commerce (EC) has been widely used in various fields. Accordingly, technologies for supporting electronic commerce have been developed, and a type of business suitable for electronic commerce has emerged. E-commerce has the advantage that there is no time and space constraints on the purchase of a product, and buyers can make a purchase decision suitable for them with various product information.

However, with the development of electronic commerce technology and the general sale of products through the network, it is difficult for the customer to predict reasonable product purchase or planned consumption due to too much product information, and it is difficult for the seller to predict the appropriate product demand. In addition, as the number of subjects participating in e-commerce increases and the implementation model diversifies, the sales and distribution flow operated through various stages includes inefficient stages.

An object of the present invention is to implement a pre-purchase electronic commerce, to improve the productivity by stimulating the buyer's rational and deliberate consumption activities and to enable the manufacturing company to effectively forecast demand.

Another object of the present invention is to provide an electronic commerce system that allows consumers to pre-order desired products and manufacturers to discount sales of corporate profits obtained by mass pre-sale.

Still another object of the present invention is to provide an electronic commerce system that can trade future acquisition rights for various goods or services owned by a consumer.

Another object of the present invention is to provide an electronic commerce system suitable for value-oriented consumption patterns and reasonable consumption culture.

Another object of the present invention is to provide an electronic commerce system that can maximize the market competitiveness by reducing the sales distribution cost and marketing cost of the manufacturing company.

1 is an overall structural diagram of an e-commerce system according to the present invention.

2 is a flow chart illustrating a process in which an e-commerce system according to the present invention receives and processes a reservation purchase of a product from a product buyer.

3 is a flowchart illustrating a process of an electronic commerce system according to the present invention when a reservation purchase of a product buyer starts from a financial institution computer.

4 is a flowchart illustrating a process of an electronic commerce system according to the present invention when a pre-purchase of a commodity buyer starts from a manufacturer computer.

5 is a flowchart illustrating a process of processing the cancellation data of the buyer computer in the electronic commerce system according to the present invention.

6 and 7 are flowcharts illustrating a process of processing the intermediate product application data of the buyer computer in the electronic commerce system according to the present invention.

8 is a flowchart illustrating a process of processing expired product application data of a buyer computer in an electronic commerce system according to the present invention.

9 is a block diagram illustrating a subscription product transaction function provided by an electronic commerce system according to the present invention.

<Description of Major Symbols in Drawing>

10: external interlock system 20: management module

30: Settlement Module 40: Customer Response System

50: subscription goods sales module 60: subscription goods trading module

70: internal management system 80: subscription product management module

90: data warehouse 100: e-commerce system

110: computer network 120: buyer computer

130: financial company computer 140: manufacturer computer

The e-commerce system for pre-sale and purchase according to the present invention is a system for pre-sale and purchase of goods, and is connected to an external interworking system that communicates with a manufacturer's computer and a financial company computer that are connected through a computer network, and through a computer network. It is connected to the customer interaction system that communicates with the buyer's computer and displays the product and induces the purchase of the product of the buyer's computer. An internal management system and a data warehouse for storing and managing buyer related data, pre-sales product data, payment data, and expiration product application data, wherein the customer service system includes a subscription product sales module. Module buy of the buyer computer Receives the application data, applies the discount rate for the product selected from the received purchase application data, presents the payment account information and regular payment data to the buyer computer, the external linkage system is a payment data that is periodically transmitted from the buyer computer Receive the transaction from the financial institution's computer, provide the buyer computer with the retrieval of payments and statistics, and the customer service system notifies the buyer computer of the contract expiration, receives the expiration product application data from the buyer computer, And providing delivery information according to the application data to the purchaser computer.

According to another feature of the present invention, the electronic commerce system and method according to the present invention further comprises a subscription product transaction module in charge of the transaction of the subscription product acquired by the buyer computer, the accepting the purchase application data of the buyer computer, It includes receiving directly from the purchaser's computer and receiving from a financial institution computer or a manufacturer's computer.

The electronic commerce method according to the present invention comprises the steps of providing the buyer computer with the inquiry and search function of the product, applying the product discount rate to the buyer computer and providing the deposit account information data, and accepting the purchase application data of the buyer computer And receiving and processing the payment information data of the buyer computer from the financial institution computer, notifying the buyer computer of the contract expiration, receiving the expiration product application data from the buyer computer, and providing the delivery information according to the expiration product application data to the buyer computer. Providing to the step.

In the present invention, a subscription product or a reservation purchase / sale product is a product purchased when a customer completes a payment in a predetermined amount (for example, monthly) by making a pre-purchase agreement with a manufacturer for the purpose of purchasing a specific product or gift certificate. It refers to a distribution product that can be purchased with a predetermined discount rate for a gift certificate.

Embodiments of the present invention will be described below with reference to the drawings.

System architecture

1 shows the overall configuration of an electronic commerce system for selling goods reservation according to the present invention.

The electronic commerce system 100 may include an external interworking system 10 that communicates with a financial company computer 130, a product manufacturer computer 140, a customer service system 40 that communicates with a product buyer computer 120, and an internal management system 70. ). The internal management system 70 exchanges data with the external interworking system 10 and the customer service system 40. The connection between the external interworking system 10 and the financial company computer 130, the product manufacturer computer 140, and the connection between the customer service system 110 and the product purchaser computer 120 are made through the communication network 110. The communication network 110 is a computer network, which is a local area network (LAN) connected by coaxial cable, optical fiber, or wireless, or is a long-distance such as a packet switched network (PSN), an integrated service digital network (ISDN), or a broadband integrated information network (B-ISDN). It may be a communication network (WAN) or a cable TV network. The external interworking system 10 and the customer service system 20 implement a web service by implementing a document on the Internet based on Hyper Text Markup Language (HTML), Extensible Markup Language (XML), or Standardized Generalized Markup Language (SGML). You can provide dynamic web pages or add interactive content to web documents using special applications that are compatible with Java, Common Gateway Interface (CGI), or Java Application Programming Interface (API). You may.

The external linkage system 10 includes a management module 20 and a settlement module 30, and the customer service system 40 includes a subscription product sales module 50 and a subscription product transaction module 60, and internal management. System 70 includes subscription product management module 80 and data warehouse 90.

The management module 20 of the external interworking system 10 is a server module that can process online a task that must be processed by the financial company computer 130 or the manufacturer computer 140, and has an input / modification / deletion function of a subscription product subscriber. , Product sales history search / statistics / inquiry function, expiration product search / statistics / inquiry function, detailed option selection information / shipping information inquiry function, delivery information input / edit / delete function, contact information input / edit / delete function and processing It is in charge of error search / statistics / search functions. The settlement module 30 of the external interworking system 10 is a server module that distributes various revenues related to subscription products to the corresponding subjects and checks the details, and includes a sales amount search / statistic / inquiry function, a distribution rate input / modification / delete function. , Deposit information input / correction / deletion / search / statistics / inquiry function, withdrawal information input / correction / deletion / search / statistics / inquiry function and settlement report creation / inquiry / search function.

The subscription product sales module 50 of the customer response system 40 is a server module that displays the manufacturer's products online and induces the customers to purchase. The subscription, withdrawal, information modification, login, and logout processing functions and products It provides inquiry / search / recommendation function, product contract conclusion / contract inquiry / contract cancellation function, product price payment / delivery history inquiry / payment information change function, and product option inquiry / selection function. In order to provide product information to customers, the product sales module 50 may use technologies such as HTML, CGI, and JavaScript through a web server, and in particular, apply XML technology in association with a product search related agent technology. can do. In order to provide more realistic product information to customers, multimedia technology (voice, video, 3D virtual reality, etc.) that can be plugged in to the WWW can be applied. To assist customers with product search, they can use search engines, agents to provide similar product search, data indexing, and web site parsing. You can also use artificial intelligence applications (e.g., Salesman Expert System (SES), Constraint Satisfaction Problem (CSP), reasoning agencies, etc.) to intelligently support your product selection. . On the other hand, the subscription product transaction module 60 of the customer service system 40 is a server module for inducing a customer who has entered into a contract transfers his or her rights to others and selects a product having a condition suitable for the user to receive the rights transfer. Transaction registration / modification / deletion function, transaction availability authentication function, transaction product search / inquiry / statistic function, transaction history search / statistic / inquiry function, transaction product purchase / cancellation function are provided. The function of the subscription product transaction module 60 will be described in more detail with reference to FIG. 9 below.

The subscription product management module 80 of the internal management system 70 is responsible for payment management, customer management, etc. for the contracted products, subscription product registration / deletion / correction function, registered product search / statistics / inquiry function, Sales history search / statistics / inquiry function, installment payment history search / statistics / inquiry function, point entry / modification by product, point addition / edit / delete by member, point history inquiry function, web content input / edit / delete, content history inquiry / Statistics function, event input / edit / delete, content history search / statistics function, event input / edit / delete, event lottery / winner history search function, ad input / edit / delete, click / impression statistics / lookup / accounting, Promo input / edit / delete function is provided.

The functions of the management module 20, the settlement module 30, the subscription product sales module 50, the subscription product transaction module 60, and the subscription product management module 80 described above are shown as an example, and such functions It is not necessary to include all of them. Thus, for example, it is possible to omit a part of the functions of the management module 20, and it is possible to modify the function of one module to be performed by another module according to the overall function of the e-commerce system 100, and the like. Those skilled in the art will readily understand.

The data warehouse 90 may include, for example, data in the following form. Information related to the purchaser's computer includes data such as the member's name, address, telephone number, ID, password, social security number, date of birth, gender, mobile phone number, and email address. As subscriber information of the pre-sale product provided by the e-commerce system of the present invention, name, telephone number, social security number, mobile phone number, e-mail address, product name, subscription amount, subscription, payment date, payment period, contract amount, monthly payment amount, etc. Data is included. Payment data includes data such as the current month's payment amount, subscriber name, membership number. The loan application data includes data such as loan amount, loan period, interest rate, and personal information, and the loan completion data includes data such as loan availability, loan amount, period, loan condition, monthly payment amount, interest rate, and the like. On the other hand, the expiration product application data includes data such as selected products, basic payment information and amount, additional payment information and amount, shipping address, telephone number.

Management and design of such a database may use, for example, an Object Management System. The object management system can manage a database in a web environment. The DBMS can be accessed anytime using Java JDBC and integrated data management is possible. Using the CDS (Contents Delivery System) together with the object management system or separately from the object management system, the external interworking system 10 collects and separates the necessary information from the financial institution computer 130 and the manufacturer computer 140 in real time. The data can be stored in the data warehouse 90 by combining / processing the content into a desired form. The CDS technology may also be used by the internal management system 70 to store and manage necessary data from the external interlock system 10 and the customer service system 40. CDS technology has the functions of block setting to selectively collect various information, extraction of highly available data through normalization of collected information, delicate processing of data through icon function processing, and free database input setting. .

In the meantime, in the electronic commerce system 100 of the present invention, a content access norm (CAN) technology may be used to enhance a web information collection function. CAN technology is a data integration technology, which is a kind of mapping technology that collects, transforms, and transmits information regardless of the content storage system, storage type, and application form. CAN technology defines 'norm', a standard for describing content storage systems, storage types, application forms, transformation rules, and relationship definitions. This allows easier and more convenient processing of content. It is possible to build an environment. The types of content that can be defined as 'norm' are managed by DBMSs such as Markup Language (ML) types (e.g. HTML, XML, SGML, WML, etc.), and DB types (e.g. Oracle, SQL Server, DB2, Informix, etc.). Content) and file type (e.g., content produced in file form, such as plain text or various documents, images, multimedia files, etc.). Using CAN technology, it supports the block setting function that sets the area with the desired information on the target page and collects only that information.It uses the DOM Pattern Match (DPM) technology based on the DOM (Document Object Model) structure. Even if some changes are made, information can be collected continuously. In addition, multi-dimensional analysis such as search by date is possible by atomizing the set block contents by individual items using DPM, and detailed processing of data can be performed through icon function processing.

Security policy

The e-commerce system according to the present invention may employ the following security policy. In particular, because e-commerce systems are connected to a large number of unspecified buyer computers through an open network and handle the buyer's financial data, information security can be used to prevent unauthorized disclosure of information, There is a need to ensure information integrity and reliable computing and networking operations of resources that prevent them from being destroyed. Confidentiality and information integrity can be achieved through the encryption of traffic, which is possible at each layer of the network and can be implemented by software or hardware. Accurate and real-time detection of intruders is critical for ensuring reliable operation of resources and maintaining network security along with host security.

In order to prevent unauthorized outsiders from invading, it is desirable to enhance security by storing session state information rather than simple packet filtering at the screening router level. Stateful Packet Filtering (SPF) and applications By integrating gateways into one, more complete access control can be achieved with a single security policy. On the other hand, it applies various user authentication methods such as universal password and one time password, and sends e-mail by applying the 'SMTP Service Extension for Authentication' technology defined in RFC 2554 standard document. The user authentication step can be performed. In addition, to secure confidentiality when exchanging confidential information over the Internet, which is an open network, an encryption algorithm for encrypting a session transmitted to the Internet, for example, using HASP or RSA and MD5 to perform secure key exchange and packet authentication. And encryption algorithms such as SEED, DES, 3DES, RC2, RC4, and Blowfish. In addition, to improve internal security, internal address translation (NAT) and hidden functions may be applied to provide transparency and stability of internal users.

On the other hand, the application of the audit record and statistics / report function and the monitoring and alerting function to the electronic commerce system of the present invention may be included in the security policy, and the audit record and statistics / report function unify the format of the log. It is desirable to select and search logs for each item of operation, and to support separate log search for origin, destination, and service. In addition, it monitors the current session in real time and checks information such as date, time, gateway used for access, destination, origin, and access success. It is also necessary to alert the administrator immediately via. The electronic commerce system of the present invention defines all attributes (network, service, user, group, time) that are subject to access control as an object, establishes a consistent security policy, and applies intelligent password management technology. Enhance password setting rules. In addition, the data transmitted between the web browser (not shown) of the buyer computer 120 and the web server (not shown) of the customer service system 40 may be encrypted. You can use the plugin method that selects and encrypts only the part you want to encrypt, rather than the SSL method that degrades and adds load to the web server.

process

2 is a flowchart illustrating a process in which an electronic commerce system according to the present invention receives and processes a reservation purchase of a product from a product buyer.

The commodity purchaser computer 120 inquires the commodity and selects a desired commodity through, for example, a home page provided by the offer commodity selling module 50 of the e-commerce system 100 (step 202). The e-commerce system 100 provides a product inquiry function and a product search function to the purchaser computer 120 through, for example, the subscription product sales module 50 (step 204). The e-commerce system 100 applies the discount rate for the corresponding product selected by the buyer computer 120, and provides the buyer computer 120 with the deposit account information for the corresponding product (step 206). When the purchaser computer 120 transmits the purchase request data (step 208), the e-commerce system 100 receives the purchase request data (step 210), processes it to register the purchase completion, and sends it to the purchaser computer 120. Notify manufacturer computer 140 (step 212). That is, the input purchase information is received and registered in the subscription product sales module 50, and the purchase completion confirmation data is sent to the product purchaser computer 120, and the purchase registration data is transmitted to the manufacturer computer 140 and the manufacturer computer 140 performs a purchase registration process based on this (step 216). The purchase product sales module 50 may transmit the purchase completion confirmation data to the purchaser computer 120, for example, through an electronic mail or an SMS service. The purchaser computer 120 that purchased the product generates payment data and transmits it to the financial institution computer 130. The generation of the payment data is made by, for example, paying a payment corresponding to a certain amount of the product price to the deposit account provided in step 206 (step 218). Payment of the payment means that the purchaser deposits a certain amount in the bank account on a regular basis (for example, monthly) in the account corresponding to the electronic commerce system 100. The direct debit account is, for example, an account held by the e-commerce system 100 and may include accounts divided by manufacturers. Payment data of the product buyer is received by the financial institution computer 130, and stores the information (step 220). The financial company computer 130 notifies the payment information to the manufacturer computer and the electronic commerce system (step 222). The subscription product management module 80 having received the payment information data processes it so that the payment details can be retrieved, statistics can be retrieved (step 226). The payment information may also be provided to the subscription product sales module 60 so that the product purchaser computer 120 may view the payment details and change the payment information. The manufacturer inquires the payment and withdraws the amount (step 224). After the processing of the payment information data, the e-commerce system 100 notifies the purchaser computer 120 of the establishment of the contract (step 228), and the purchaser computer 120 may inquire and confirm the establishment of the contract (step 230). . Pre-purchase of such goods is established between the purchaser computer 120 and the manufacturer computer 140. The e-commerce system 100 may implement a profit model through, for example, a sales commission based on the purchaser's payment data from the manufacturer computer 140.

3 is a flowchart illustrating a process of an electronic commerce system according to the present invention when a reservation purchase of a product buyer starts from a financial company computer.

The purchaser computer 120 inquires the product, selects the desired product, and transmits the purchase information to the financial institution computer 130 (step 252). The financial institution computer 130 receives the product purchase data and delivers it to the electronic commerce system 100 (step 254). The e-commerce system 100 registers the purchase completion based on the received product purchase data and notifies the manufacturer computer 140 and the buyer computer 120 of this (step 256). The manufacturer computer 140 registers a purchase based on the data transmitted from the e-commerce system 100 (step 260), and the purchaser computer 130 confirms the purchase completion (step 258). The purchaser computer 120 generates payment data and provides it to the financial institution computer 130 (step 262). Payment data of the product buyer is received by the financial institution computer 130, and stores the information (step 264). The financial company computer 130 notifies the payment information to the manufacturer computer and the electronic commerce system (step 266). The electronic commerce system 100 that received the payment information data processes it, and allows the product buyer computer 120 to query the payment details and change the payment information (step 270). The manufacturer inquires the payment and withdraws the amount (step 268). After the processing of the payment information data, the e-commerce system 100 notifies the purchaser computer 120 of the establishment of the contract (step 272), and the purchaser computer 120 may inquire and confirm the establishment of the contract (step 274). .

4 is a flowchart illustrating a process of an electronic commerce system according to the present invention when a reservation purchase of a product buyer starts from a manufacturer computer. In this flowchart, the manufacturer's computer includes a manufacturer's distributor computer under the manufacturer's administrative control.

The purchaser computer 120 inquires the product, selects the desired product, and transmits the purchase information to the manufacturer computer 140 (step 302). The manufacturer computer 140 receives the product purchase data (step 304), registers the purchase and transfers the purchase application data to the electronic commerce system 100 (step 306). The e-commerce system 100 registers the purchase completion based on the received product purchase data and notifies the manufacturer computer 140 and the buyer computer 120 of this (step 308). The purchaser computer 120 confirms the purchase completion (step 310). The purchaser computer 120 generates payment data and provides it to the financial institution computer 130 (step 312). Payment data of the product buyer is received by the financial institution computer 130, and stores the information (step 314). The financial company computer 130 notifies the payment information to the manufacturer computer and the electronic commerce system (step 316). The electronic commerce system 100 that received the payment information data processes it, and allows the product buyer computer 120 to query the payment details and change the payment information (step 320). The manufacturer inquires the payment and withdraws the amount (step 318). After the processing of the payment information data, the e-commerce system 100 notifies the purchaser computer 120 of the establishment of the contract (step 332), and the purchaser computer 120 may inquire and confirm the establishment of the contract (step 334). .

5 is a flowchart illustrating a process of processing the cancellation data of the buyer computer in the electronic commerce system according to the present invention.

When the purchaser computer 120 transmits the cancellation request data (step 352), the electronic commerce system 100 receives and processes the cancellation data and notifies the manufacturer computer 140 (step 354). The manufacturer's computer enters the cancellation data (step 356), calculates the penalty and sends the refund to the buyer (step 358). The purchaser receives a refund amount, for example, a penalty amount for the payment (step 360). The manufacturer computer 140 processes the penalty revenue (step 362), then completes the termination of the contract and notifies the electronic commerce system 100 (step 364). Upon receipt of the termination of the contract, the e-commerce system notifies the purchaser computer 120 of the purchaser's confirmation, and the purchaser can confirm this (steps 368 and 370).

6 and 7 are flowcharts illustrating a process of processing intermediate product application data of a buyer computer in an electronic commerce system according to the present invention.

As shown in FIG. 6, when the purchaser computer 120 transmits the heavy tool loan application data (step 381), the e-commerce system 100 receives and processes it and requests the financial institution computer whether the loan is possible (step 382). The financial institution computer determines whether a loan is possible (step 384), and if possible, generates loan data and stores the information (step 386). The loan data is transmitted to the e-commerce system 100 and based on the loan data, the e-commerce system notifies the purchaser computer 120 of the occurrence of the loan (step 392) so that the buyer can confirm it (step 394). If a loan is not possible, the system 100 notifies the buyer computer 120 (step 389) and allows the buyer computer to confirm this (step 390).

The purchaser computer 120 confirming the loan generation transmits the product application data to the electronic commerce system 100 as shown in FIG. 7 (step 402). Product application data includes, for example, additional payment information and delivery information. The electronic commerce system 100 receives and processes the product application data and notifies the financial institution computer, the manufacturer computer, and the buyer computer (step 404). The financial institution computer queries the loan information and processes the loan payment data (step 406), and the manufacturer computer registers the product data requested by the buyer computer and receives the loan payment data from the financial institution computer (step 408). The manufacturer computer generates the shipping data of the product based on the registered product data, and notifies the e-commerce system of the shipping status data (step 414). The e-commerce system 100 registers the delivery status data (step 412), and the purchaser computer can query the delivery status data (step 414). When the requested product is delivered, the buyer computer confirms this (step 416), and the e-commerce system registers the delivery completion data (step 418).

8 is a flowchart illustrating a process of processing expired product application data of a buyer computer in an electronic commerce system according to the present invention.

When the purchaser computer 120 transmits the expiration product application data (step 422), the e-commerce system 100 receives and processes it and sends it to the manufacturer computer and the purchaser computer (step 424). The expired product application data includes, for example, additional payment information and delivery information. The purchaser computer can confirm that the receipt of the requested data has been completed (step 426). The manufacturer's computer registers the application based on the expiration product application data sent from the e-commerce system 100 (step 428), generates the product's shipping data, and notifies the e-commerce system of the shipping status data (step 434). . The e-commerce system 100 registers the delivery status data (step 432), and the purchaser computer can query the delivery status data (step 430). When the requested product is delivered, the buyer computer confirms this (step 436) and the e-commerce system registers the delivery completion data (step 438).

9 is a block diagram illustrating a subscription product transaction function provided by an electronic commerce system according to the present invention.

As described above, the subscription product transaction module 60 of the e-commerce system 100 is a transaction registration / modification / deletion function 61, transaction availability authentication function 63, transaction product search / inquiry / statistics function (65) ), Transaction history search / statistics / inquiry function 67, and transaction product purchase / cancel function 69. Here, the term 'transaction' refers to a transaction of a right acquired by a buyer through a pre-sale e-commerce system according to the present invention, that is, a transaction of a subscription product. For example, a buyer who paid 15 million won a car for 1 million won a month for 1 year and paid 9 million won for 9 months after signing up for a product delivered at 12 million won at maturity. Explain when you want to trade. The buyer registers his subscription product to the trading market provided by the subscription product trading module 60. Another user 122 presents the purchase price data for the registered trading product. The purchase price data may appear in various ways, such as A (9.3 million won), B (9.7 million won), C (10 million won), and D (98 million won). The buyer 120 determines whether the transaction is based on the purchase price data. For example, the transaction may be established by selecting data C (10 million won). In this example, the purchaser 120 may earn 10 million won by paying 9 million won to recover 10 million won, and the counterpart user 122 may purchase a car of 15 million won for 10 million won.

As such, according to the trading function of the subscription product according to the present invention, by providing the buyer with a means to cash the investment amount early, the risk and loss due to the middle termination can be minimized, and the subscription product can be purchased for a simple product. Switching to high-yield investment products, as well as means, can attract not only real investors but also purely invested investors, contributing to the expansion of the overall market size.

According to the electronic commerce system of the present invention described above, by implementing a pre-purchase electronic commerce, the buyer can rational and planned consumption activities and the manufacturing company can increase productivity through effective demand forecast. In addition, buyers have access to tailored financial services for planned purchases, high interest rate benefits, and new investment opportunities. In addition, financial companies can strengthen their competitiveness by securing differentiated new products, activate receiving business, increase the number of receiving customers and increase the number of credit customers due to the real-time lending process. It has the advantage of securing customers as its own customers, increasing sales through the use of sales channels at bank branches, reducing marketing costs, securing working capital through lenders, and preoccupying the market for potential demand and standby demand.

Claims (22)

E-commerce system for the pre-sale and purchase of goods, An external interworking system that communicates with a manufacturer's computer and a financial institution computer connected through a computer network; A customer-facing system that communicates with a buyer's computer that is connected through a computer network, displays the product and drives the purchase of the product by the buyer's computer An internal management system connected to the external interworking system and a customer service system and providing an installment management and customer management function for a contracted product; Includes a data warehouse that stores and manages buyer-related data, presales product data, payment data, and maturity product application data. The customer service system includes a subscription product sales module, the subscription product sales module receives purchase application data of the buyer computer, applies a discount rate for a product selected from the received purchase application data, deposit account information, and periodical Present the payment data to the buyer's computer, The external interworking system receives and processes payment data, which is periodically transmitted from the buyer computer, from the financial company computer, and provides the buyer computer with the search and statistical function of the payment history, The customer service system notifies the purchaser computer of the contract expiration, receives the expiration product application data from the purchaser computer, and provides the purchaser computer with shipping information according to the expiration product application data. The system of claim 1, wherein the external interworking system includes a management module, wherein the management module provides a product sales history search, statistics, inquiry function, an expiration product search, statistics, inquiry function, and delivery information input and correction function. E-commerce system. The system of claim 1, wherein the internal management system includes a subscription product management module, wherein the subscription product management module registers, deletes, and modifies the subscription product, and searches, statistics, inquiry functions, sales history search, statistics of registered products. E-commerce system characterized in that it provides a query function, payment history search, statistics, query function. The electronic commerce system of claim 1, wherein the computer network includes the Internet, a local area network, a packet switched network, an integrated service digital network, a broadband integrated information network, a telecommunication network, and a cable TV network. The system of claim 1, wherein the external interworking system and the customer service system implement a web service by implementing a document on the Internet based on Hyper Text Markup Language (HTML), Extensible Markup Language (XML), or Standardized Generalized Markup Language (SGML). And create a dynamic web page or add interactive content to the web document. The electronic commerce system of claim 1, wherein the management of the data warehouse uses an object management system that manages a database in a web environment. The communication system of claim 1 or 6, wherein the external interworking system collects the necessary information from the financial company computer and the manufacturer computer in real time using a contents delivery system (CDS) when communicating with the financial company computer and / or the manufacturer computer. And separating / combining the data into a desired form and storing the purified data in the data warehouse. The method of claim 7, wherein the CDS is a block setting function for selectively collecting a variety of information, the extraction of highly available data through the normalization of the collected information, the delicate processing of the data through the icon function processing, free database input setting Electronic commerce system characterized in that it has a function such as. The electronic commerce system of claim 1, wherein the electronic commerce system stores session state information and adopts a security policy using a session encryption technique and a user authentication technique. 10. The electronic commerce system of claim 1 or 9, wherein a plugin scheme for selectively encrypting a portion of web page data is adopted as an encryption policy. The electronic commerce system of claim 1, wherein the purchase application data of the purchaser computer is directly received from the purchaser computer by the offer product sales module. The electronic commerce system of claim 1, wherein the purchase application data of the purchaser computer is received by the subscription product sales module from a financial company computer. The electronic commerce system of claim 1, wherein the purchase application data of the purchaser computer is received by the product sales module from a manufacturer computer. The system of claim 1, wherein the customer service system receives the intermediate purchase request data from the buyer computer and transmits the data to the financial company computer, and transmits the loan impossible or loan generation data to the buyer computer according to the loan availability data of the financial company computer. The electronic commerce system characterized by receiving and processing product application data with a purchaser computer when the generation data is transmitted. The electronic service system of claim 1, wherein the customer service system notifies the purchaser computer of the contract expiration, receives the expiration product application data from the purchaser computer, notifies the manufacturer computer of the contract product, and transmits delivery information data to the purchaser computer. Commerce system. E-commerce system for the pre-sale and purchase of goods, An external interworking system that communicates with a manufacturer's computer and a financial institution computer connected through a computer network; A customer-facing system that communicates with a buyer's computer that is connected through a computer network, displays the product and induces the purchase of the product by the buyer's computer; An internal management system connected to the external interworking system and a customer service system and providing an installment management and customer management function for a contracted product; Includes a data warehouse that stores and manages buyer-related data, presales product data, payment data, and maturity product application data. The customer service system includes a subscription product sales module, the subscription product sales module receives purchase application data of the buyer computer, applies a discount rate for a product selected from the received purchase application data, deposit account information, and periodical Present the payment data to the buyer's computer, The external interworking system receives and processes payment data, which is periodically transmitted from the buyer computer, from the financial company computer, and provides the buyer computer with the search and statistical function of the payment history, The customer service system notifies the purchaser computer of the contract expiration, receives the expiration product application data from the purchaser computer, provides the purchaser computer with shipping information according to the expiration product application data, The customer service system includes a subscription product transaction module, wherein the subscription product transaction module is responsible for the transaction of the subscription product acquired by the buyer computer, and registers, modifies, deletes the transaction, verifies the availability of the transaction, and An electronic commerce system comprising a search, inquiry function, transaction history search, statistics, inquiry function, and purchase and cancellation of a transaction product. An external interworking system that communicates with a manufacturer's computer and a financial company computer connected through a computer network; It is connected to the system and customer service system, and stores and manages installment management for contracted products, internal management system that provides customer management function, buyer related data, pre-sales product data, payment data, and maturity product application data. An e-commerce method for pre-sale and purchase of goods in a system including a data warehouse, Providing an inquiry and search function of goods to the buyer computer; Applying a product discount rate to the buyer computer and providing deposit account information data; Receiving the purchase offer data of the buyer computer; Receiving and processing payment information data of a buyer computer from the financial company computer; Notifying the purchaser computer of the contract expiration, receiving the expiration product application data from the purchaser computer, and providing the purchaser computer with shipping information according to the expiration product application data. 18. The electronic commerce method of claim 17, wherein the purchase application data is received directly from a purchaser computer by the customer service system. 18. The electronic commerce method of claim 17, wherein the purchase request data is received from a financial institution computer by the customer service system. 18. The electronic commerce method of claim 17, wherein the purchase request data is received by a customer computer from a manufacturer computer. The method of claim 17, Receiving, by the customer service system, the intermediate purchase application data from the buyer computer and transmitting the same to the financial institution computer; According to the loan availability data of the financial company computer, the loan computer or loan generation data is transmitted to the buyer computer, and when the loan generation data is transmitted, the method further includes receiving and processing the product application data with the buyer computer. E-commerce method. 18. The method of claim 17, wherein the customer service system includes a subscription product transaction module, the subscription product transaction module is responsible for the transaction of the subscription product acquired by the buyer computer, registration, modification, deletion function, transaction availability authentication of the transaction The electronic commerce method comprising a function, a search product search, inquiry function, transaction history search, statistics, inquiry function, the purchase and cancellation of the transaction product.