KR20030064347A - Method to handle guarantee process for electronic commerce - Google Patents

Abstract

PURPOSE: A method for managing a guarantee in electronic commerce is provided to guarantee and present various kinds of attached documents necessary for electronic commerce in electronic commerce site. CONSTITUTION: An electronic document having electronic commerce details requested by a client is transmitted to a warrantee or a specific guarantor from the warrantee(S41). If the guarantor requests a guarantee process, the guarantor identity is checked. In addition, credit information of the guarantor is inquired and it is judged whether the guarantor guarantees the electronic commerce(S42). An agreement with respect to a letter of guarantee is received from the guarantor in accordance with the judgement result(S43). If the guarantor agrees the letter of guarantee, the electronic commerce requested by the warrantee is concluded(S44).

Description

Method to handle guarantee process for electronic commerce}

The present invention relates to a guarantee processing method in electronic commerce, and more particularly, to the attachment of necessary documents for guarantees and guarantees that may occur during various electronic commerce transactions, such as product / service purchases, financial related services, and credit card issuing services in Internet shopping malls. The present invention relates to a method of allowing submission to be performed collectively by the e-commerce provider.

Currently, various forms of e-commerce services, such as purchases of goods / services on the Internet shopping mall, financial services such as loans, and credit card issuing services, are available. Electronic commerce may involve payment of a certain price.

Referring to FIG. 1, a general e-commerce site 3 is connected to a customer 1 through a predetermined communication network 2 such as an internet network to provide an e-commerce service. In case of payment, payment is made through a payment institution 4 such as a credit card company or a bank.

On the other hand, when the amount to be paid at the time of electronic commerce is a certain amount or more, it may be impossible to immediately pay online due to exceeding the credit card limit. In addition, when applying for a loan to a financial institution, the financial institution usually requires a guarantor for safe collection of bonds, and a guarantee is required to satisfy certain qualification requirements, such as when a minor or a credit limiter applies for a credit card. There is also. Since e-commerce is online, there is a need to ensure that the necessary warranty services are also available online.

However, the online guarantee processing service was not possible due to the immaturity of legal status and social infrastructure conditions, and is still available online to customers (guarantees) who want to use certain services, credit card services, and product purchase services of financial institutions. There is no case in which guarantees can be guaranteed.

In this regard, Patent No. 363879 discloses a guarantee processing method for a credit sales service in an electronic commerce. However, the use of a separate warranty processing site is an indirect guarantee process, and it may be inconvenient for a guarantor to access a guarantee certificate.

Therefore, in order to more conveniently perform various credit services that require a guarantor's guarantee, the e-commerce site must submit all the necessary documents for guarantee and guarantee, and the guarantor can access and guarantee the guarantee more conveniently. There is a need to make it possible.

Accordingly, the present invention has been proposed to meet the above necessity, and an object of the present invention is to provide a method for collectively performing an endorsement of a guarantor necessary for electronic commerce and submission of various attached documents at the electronic commerce site. .

In order to achieve the above object, the warranty processing method in the electronic commerce according to the present invention includes the steps of transmitting the electronic document stored in the electronic commerce details requested by the customer (guaranteed) to the assuree or the assuree specific; When the guarantor requests a guarantee process, checking whether the guarantor is the person and then checking the guarantor's credit information to determine whether the guarantor can guarantee the electronic commerce; Providing a guarantee to the guarantor according to the determination result and receiving consent for the guarantee from the guarantor; And if the guarantor agrees to the warranty, processing the electronic commerce requested by the assuree as being normal.

The electronic document to be sent to the assuree or guarantor includes a data attribute that allows the guarantor to easily access a web page that processes the warranty when the guarantor clicks on a portion of the electronic document. It can be configured to access the certificate.

In the case where the submission of the attached documents is required, the application, reception, and management of each attached document can be processed in an e-commerce site. Such an embodiment may include providing an endorsement with a list of attachments to the assurer, if the endorsement requires attachments, and allowing the assurer to specify attachments to be automatically submitted and storing the specified list; Requesting issuance of the attached document to the issuing organization of the specified attached document; Repeating a process of indicating that the attached document is received in the corresponding item in the list when receiving the attached document from the issuer; And it can be preferably configured to include the step of processing as if the warranty has been made normally when all the specified attached documents are received.

1 is an overview of a conventional electronic commerce system,

2 is an overview of an electronic commerce system in which the present invention is implemented;

3 is an embodiment of a guarantee processing method in an electronic commerce according to the present invention;

4 is an embodiment of a process of processing an attached document;

5 shows a specific example of applying the present invention.

* Explanation of symbols for main parts of the drawings

1: Customer (Guarantee) 2: Network

3: e-commerce site 4: payment institution

5: guarantor 6: credit reporting agency

7: Certification authority 8: Attaching document issuing authority

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

Referring to Figure 2, the system for implementing the present invention is an e-commerce site (3) for providing an e-commerce service to each customer (1), the guarantor (5) to guarantee the e-commerce at the request of the customer (1) , A payment institution (4) such as a credit card company or a bank, a credit information agency (6) for searching a user's credit information, a certification authority (7) for providing a self-certification service based on an authorized / private certificate, and various attached documents Issuing agency 8 for issuing (certificate) can be made by forming a communication network with each other via a predetermined communication network (2), such as the Internet network or a dedicated line network. Here, the customer 1 is in the position of the assuree, and hereinafter referred to as the assuree.

Referring to Figure 3 will be described in detail the warranty processing method in the electronic commerce according to the present invention.

First, if the e-commerce subject requested by the assuree (1) requires a guarantee, the e-commerce site (3) transmits an electronic document storing the e-commerce details to the assuree (1) or the assuree (5). (S41).

The content stored in the electronic document contains information for the primary purpose of informing the guarantor of how much and what goods / services should be guaranteed. For example, the guarantor's name, social security number, address, date and time, the name of the e-commerce site, the type / quantity of the goods or services requested for guarantee, and the amount of security.

In addition, the electronic document is preferably secured using various security techniques such as watermarking or two-dimensional bar code to prevent unauthorized use. Such electronic document may be downloaded from the electronic commerce site 3 by the assuree 1 or may be sent online to the assuree 1 or the assurer 5. In the case of transmitting to the assuree 1, the assuree 1 is delivered to the assurer 5.

The guarantor 5 opens the electronic document received from the assuree 1 or from the e-commerce site 3 and decides whether to guarantee the e-commerce. In the case of guarantee, the electronic commerce site 3 requests a guarantee.

That is, when the guarantor 5 requests the assurance process, the e-commerce site 3 can check the guarantor's credit information with the credit bureau 6 after confirming that the guarantor is the person who can guarantee the e-commerce. It is determined whether (S42). Here, that the guarantor 5 requests the guarantee process means that the guarantor 5 starts the guarantee by accessing the web page for the guarantee processing of the e-commerce site 3 and inputting information that can identify itself. .

The process of checking whether the guarantor (5) is himself or herself can be preferably performed by using an accredited certificate or a private certificate. Since the accredited certificate is a technology widely used for stock trading services or banking transactions, a detailed description thereof will be omitted. Shall be. However, of course, any method of confirming that the guarantor can be used can be used.

In addition, in order for the guarantor 5 to guarantee more conveniently, it is preferable to provide easy access to the guarantee web page even in the e-commerce site 3, particularly the e-commerce site 3.

As one embodiment for this purpose, an electronic document sent to the assuree (1) or to the assurer (5) is an e-commerce site that can be authenticated against the endorsement by clicking on a portion of the endorsement (5) displaying the electronic document. Configure to include data attributes that can directly access web pages.

That is, when the guarantor 5 accesses the electronic document using his computer terminal, the guarantor 5 displays a certain portion such as an icon related to the electronic document on the screen, or inserts a portion of the contents of the electronic document that includes certain data attributes. (5) Clicking this icon or specific data property part will automatically access the web page. These data attributes can be easily implemented using any technique that can be moved to a specific web address when the corresponding part is clicked, such as a link attribute (tag) of HTML (Hyper Text Makeup Language) or a link attribute of XML (eXtensible Makeup Language). have. At this time, it would be more desirable if the contents of the electronic document were encrypted using a predetermined encryption technology to be protected from hacking or viruses.

On the other hand, if the e-commerce site (3) inquires the credit information agency (6) in step S42 and it is determined that the guarantor (5) can establish a guarantee for the e-commerce, by providing a guarantee to the guarantor (5) Confirm whether or not to agree to the warranty (S43).

Here, the guarantee can be preferably configured in the form of a contract in which the e-commerce site 3 and the guarantor 5 enter into a warranty contract with respect to the e-commerce, and in step S42, it is confirmed that the guarantor is the person. It has a legal effect.

If the guarantor 5 agrees to the warranty in step S43, the electronic commerce site 3 processes the electronic commerce as having been established normally. If not, the electronic commerce site 3 processes as having not been established at all (S44). If the e-commerce is successfully established, the e-commerce-specific follow-up procedure is started, such as instructing the assuree 1 to make a loan, to issue the credit card to the assuree, which is a credit limiter, or to prepare for the delivery of the purchased goods.

Although the above describes the guarantee processing method required for credit transactions in electronic commerce, it may be necessary to submit various attachments such as proof of property tax payment, copy of resident registration, and employment certificate. Therefore, it would be more desirable to enable automatic application of such attachments during the warranty process and to automatically manage the receipt and submission of attachments.

Referring to Figure 4, the e-commerce site (3) provides a list of the attachments required to the guarantor (5), if the attachment is required for the guarantee (S51), after receiving the attachments to be automatically submitted from the guarantor (S52) In step S53, the list of the specified attached documents is stored / managed in the database 3-1.

In other words, if the guarantor (5) is currently in the attached documents and can be sent directly by e-mail or fax, a separate application may not be required. Therefore, only the attached documents required for application are processed. . At this time, if the identity verification is required to apply for issuance of the attached document to the issuing organization, the electronic signature may be configured.

The e-commerce site 3 requests the issuance of the attached document to each issuer 8 that issues the specified attached document (S54). The document issuing agency 8 may be any agency capable of issuing certain documents in the form of electronic documents such as tax offices, government offices and workplaces. Currently, the Ministry of Commerce, Industry and Energy has revised the Electronic Document Utilization Promotion Act and is expected to implement it in July 2004.

Each issuer 8 issues an attached document according to the details requested from the e-commerce site 3 (S55) and transmits it to the e-commerce site 3 (S56). The e-commerce site 3 receives the attached documents transmitted from each issuer 8, and when the attached documents are received, the corresponding items are stored in the database 3-1 and managed in step S53. Indicates that the document has been received (S57). Step S57 is a process performed repeatedly until all the attached documents are received.

If the e-commerce site 3 receives all the specified attached documents, that is, if all items of the list of the corresponding e-commerce list in the database 3-1 are displayed (S58), the attached documents Since it is in a complete state, the guarantee is processed as normal (S59).

Each such document processing procedure can be preferably carried out using Patent Application No. 2001-0050308.

On the other hand, if the guarantor cannot guarantee the electronic commerce, if the guarantor does not agree to the warranty, or if the guarantor agrees to the warranty, it can be configured to send a message to the warrantee. Then, the assuree may try to guarantee again through another assurer according to the assurer's guarantee processing result, and it is possible to quickly know how the electronic commerce requested by the insured is being processed, which may be more preferable. In addition, when an attached document is requested, a message indicating the arrival status of the attached document may be transmitted to the assuree or guarantor. At this time, it may be transmitted through a personal web page of an e-commerce site, an e-mail, or a mobile phone text message.

A specific example in which the present invention is implemented in a shopping mall will be described with reference to FIG. 5.

When the customer selects the credit settlement on the e-commerce site (shopping mall) (S60-1), the e-commerce site receives the personal information such as the social security number, name, address, e-mail, payment account, and telephone number of the customer, Receive consent (S60-2). Then, after allowing the customer to select an installment financing company (S60-3), the customer's personal credit and purchase limit is inquired through a predetermined credit information agency or its own credit information database.

As a result of the inquiry, if personal credit is inappropriate, the process proceeds to step S60-3 to change the installment financial company (S60-4). This is because the amount of credit given to an individual may differ for each installment financing company.

However, if the personal credit is suitable as a result of the inquiry in step S60-4, it is determined whether the current purchase amount exceeds the purchase limit (S60-5). If the purchase limit is not exceeded, proceed to the attached document processing procedure described with reference to FIG. 4, and if all the attached documents are submitted, the purchased product or service is provided to the customer (S60-14, S60-15). The attached document processing procedure (S60-14) is of course performed only when the attached document is required.

As a result of the determination in step S60-5, if the purchase limit is exceeded, the guarantor is requested or the required amount is paid (S60-6). In other words, if the customer does not want to enter the guarantor (S60-12), and then proceed to the next procedure, such as the processing of attachments (S60-14, S60-15). However, when the customer (guaranteed) wants to enter the guarantor, the electronic document containing the guarantor's information can be downloaded or the electronic document containing the guarantor's information is sent to the guarantor's e-mail (S60-7).

The customer (guarantee) sends the electronic document downloaded from the e-commerce site to the insurer, and the insurer uses the electronic document to access the e-commerce site. Then, the e-commerce site receives the guarantor's personal information from the guarantor and receives a consent regarding the utilization of the credit information (S60-8). In addition, the personal credit and guarantee limit of the guarantor are inquired through a predetermined credit information agency or its own credit information database (S60-9).

As a result of the inquiry in step S60-9, if the guarantor can guarantee the deposit amount, after receiving the agreement in the form of a legal contract (S60-10, S60-13), proceed to the attached document processing procedure and follow the guarantee. The attached documents must be submitted (S60-14, S60-15). However, if it cannot be guaranteed, an arbitrary error handling process is performed, such as notifying the customer (guarantee) (S60-11).

The above-described embodiments are intended to help the understanding of the present invention, and the present invention is not limited to the above-described embodiments and can be variously modified and implemented by those skilled in the art without departing from the technical spirit of the present invention. to be.

By using the present invention, it is possible to quickly and conveniently carry out the guarantee procedure required for electronic commerce. In particular, if the guarantor is configured to automatically access the warranty web address, the warranty service can be provided more conveniently. In addition, if the e-commerce site is configured to collectively process the application and management of the attached documents required for the warranty, all procedures required for the warranty can be automated.

Claims (6)

In the method of processing the guarantee regarding electronic commerce, Transmitting the electronic document storing the electronic commerce details requested by the customer (guarantee) to the assuree or the assuree to a specific assurer; When the guarantor requests a guarantee process, after confirming that the guarantor is his or her identity, checking the guarantor's credit information to determine whether the guarantor can guarantee the electronic commerce; Receiving consent for the guarantee from the guarantor according to the determination result; And And if the guarantor agrees to the warranty, processing the electronic commerce requested by the assuree as being normal. The method of claim 1, The electronic document transmitted to the guarantor or guarantor includes a data attribute that enables the guarantor to click directly on a certain portion displaying the electronic document and directly access a certain web page for processing the guarantee. How to Handle Warranty. The method of claim 1, If the guarantor cannot guarantee the electronic commerce, if the guarantor does not agree to the warranty or if the guarantor agrees to the warranty, an e-commerce message is sent to the warrantee. Guarantee processing method in The method of claim 1, The process of confirming that the guarantor is the assurance process in the electronic commerce, characterized in that the process is made through an authorized certificate. The method according to any one of claims 1 to 4, If an attachment is required for the guarantee, providing the assurer with a list of attachments so that the assurer can specify attachments to be automatically submitted and storing the specified list; Requesting issuance of the attached document to the issuing organization of the specified attached document; Repeating a process of indicating that the attached document is received in the corresponding item in the list when receiving the attached document from the issuer; And And when the specified attached documents are received, processing the warranty as being normal. The method of claim 5, And a message informing of the arrival state of the attached document to the assuree or guarantor.