KR20040011757A - Method for insuring price for e-trading and system therefor - Google Patents

Abstract

PURPOSE: A system and a method for insuring a trading price according to the EC(Electric Commerce) are provided to give a buyer the time for managing funds by fixing a payment day to a day later than the contract time, to make a seller secure cash simultaneously with a contract, and to prevent a loss of the seller even if the buyer does not pay the trading price. CONSTITUTION: An EC server(110) makes an EC contract by receiving the trading request information for the seller(112) and the buyer(111), receives an insurance application from the seller, and receives an approval for transferring an obligatory right of the trading price from the buyer. An insurance policy issuing tool(120) issues an insurance policy to the seller by receiving the obligatory right of the trading contract when the approval is received from the EC server. The insurance policy issuing tool cancels the insurance policy and pays the trading price to the seller when the deposit of the trading price is confirmed from the buyer.

Description

Method for insuring price for e-trading and system therefor}

The present invention relates to an insurance method and insurance system for a bond caused by e-commerce, and specifically, a method for guaranteeing payment of a bond generated by transferring a bond generated by electronic commerce and issuing an insurance policy instead. It is about the system.

In the conventional commerce between companies, when the selling company delivers the goods, the purchasing company used to pay in the form of paper without paying the selling price in cash.

Sellers who have received bills retain the notes that have been paid by the maturity date if the cash is not needed immediately, and receive the amount stated in the bill at the expiration date. To secure the necessary cash.

Bills are bearer bonds that are not designated by the creditor and the issuer has to pay the bill holders the amount stated in the bill. Regardless of the purchaser's intention, the bill can be discounted freely, making it easy to secure cash.

Recently, with the popularization of the Internet, not only electronic commerce between companies and consumers, but also electronic commerce between companies is being activated.

However, due to the nature of electronic commerce where all procedures except for the delivery of goods are made online, it is impossible to pay the bill in bills, and in order to pay bills, the parties to the contract of sale must meet in advance and receive a bill. In this case, since a contract is made online and meets again to be paid offline, there is a disadvantage in that it becomes more complicated than the conventional contract method through offline.

As a result, in a sales contract where transactions are made online, the buyer may deposit cash online at the same time as the contract, or set the payment date and pay the goods to the buyer first, and then the buyer may pay the payment on the promised payment date. I had to wait until.

In this way, if the buyer deposits cash online at the same time as the contract, the buyer will be forced to raise cash at the same time as the contract. Is not easy, and even if the payment date is set and the payment is made on that date, the seller may not be able to secure cash immediately even if the seller needs cash. There is a drawback that you can't be sure about whether you can.

In order to solve the above problems, in the present invention, even in the case of electronic commerce through the Internet through the insurance, the buyer can afford to manage the money by specifying the date of payment of the payment date after the contract, and the seller also contracts. At the same time, it is possible to secure cash and to provide an e-commerce insurance method that can prevent the seller from damages even if the buyer cannot pay the purchase price.

In addition, in order to solve the above problems, in the present invention, even in the case of electronic commerce through the Internet through the insurance, the buyer can afford to manage the funds by specifying the date of payment of the payment date after the contract. The purpose of the present invention is to provide an e-commerce insurance system that can secure cash at the same time as the contract and prevent the seller from losing even if the buyer fails to pay the purchase price.

In addition, an object of the present invention is to provide a computer-readable recording medium having recorded thereon a program for realizing the above-described method.

1 is a block diagram showing a configuration of the present invention

2 is a flow chart illustrating a method of the present invention.

3 to 5 are flowcharts illustrating specific embodiments of the present invention.

In order to achieve the above object, the present invention provides an electronic commerce insurance method in an electronic commerce website linked to a credit insurance company, the method comprising: receiving insurance for the purchase price according to the electronic commerce; Receiving a sale request from a seller and a buyer and entering into a provisional contract between the seller and the buyer meeting predetermined conditions and informing the seller and the buyer of the provisional contract conclusion fact; Generating a virtual account to be paid for the provisional contract; Receiving an electronic tax invoice for the provisional contract from the seller; Receiving the settlement of the trading price according to the electronic tax invoice from the purchaser and approving the transfer of the bond to the trading price; Transferring the bond for the selling price to the credit insurance company, and issuing the insurance policy for the selling price bond to the seller; And canceling the insurance policy when the deposit of the selling price is confirmed from the buyer to the virtual account and paying the selling price to the seller.

In addition, in order to achieve the above object, the present invention provides an electronic commerce insurance method in an electronic commerce website linked to a credit insurance company and a financial institution, the method comprising: receiving insurance for the purchase price according to the electronic commerce; Receiving a sale request from a seller and a buyer and entering into a provisional contract between the seller and the buyer meeting predetermined conditions and informing the seller and the buyer of the provisional contract conclusion fact; Generating a virtual account to be paid for the provisional contract; Receiving an electronic tax invoice for the provisional contract from the seller; Receiving the settlement of the trading price according to the electronic tax invoice from the purchaser and approving the transfer of the bond to the trading price; Transferring the bond for the trading price to the credit insurance company, issuing an insurance policy for the trading price bond, and paying the seller an amount borrowed from the financial institution as collateral for the insurance policy; And canceling the insurance policy and repaying the loan when the purchase of the transaction price is confirmed from the purchaser to the virtual account, providing the electronic commerce insurance method.

In addition, in order to achieve the above object, the present invention provides an electronic commerce insurance method in an electronic commerce website linked to a credit insurance company, comprising: receiving insurance for a bond according to an electronic commerce; Receiving an approval for the transfer of the bond from the debtor for the bond when the insured sale contract is concluded; Transferring the bond to the credit insurance company and issuing an insurance policy to a creditor for the bond; And canceling the insurance policy when the performance of the debt according to the bond is confirmed by the debtor, and performing the debt to the creditor to the creditor.

In addition, in order to achieve the above object, the present invention provides an electronic commerce insurance method in an electronic commerce website linked to a credit insurance company and a financial institution, comprising: receiving insurance for a bond according to an electronic commerce; Receiving an approval for the transfer of the bond from the debtor for the bond when the insured sale contract is concluded; Transferring the bond to the credit insurance company, issuing an insurance policy on the bond, and paying the creditor the amount borrowed from the financial institution as the security of the insurance policy; And canceling the insurance policy and repaying the loan when it is confirmed that the debtor fulfills the debts according to the bond, and provides the electronic commerce insurance method.

In addition, in order to achieve the above object, the present invention receives the purchase request information from the buyer and seller of the e-commerce goods, closes the e-commerce sales contract, receives the insurance application from the seller, the purchase price from the buyer An e-commerce server means for receiving approval of the assignment of the bonds; And insurance policy issuing means for transferring the purchase price bond of the contract of sale from the seller and issuing an insurance policy for the sale price to the seller when the buyer's bond transfer approval is transmitted from the e-commerce server means. The insurance policy issuing means provides an electronic commerce insurance system that terminates the issued insurance policy and pays the selling price to the seller when the deposit of the selling price is confirmed from the purchaser.

In addition, in order to achieve the above object, the present invention receives the purchase request information from the buyer and seller of the e-commerce goods, closes the e-commerce sales contract, receives the insurance application from the seller, the purchase price from the buyer An e-commerce server means for receiving approval of the assignment of the bonds; An insurance policy issuing means for transferring the trading price bond of the trading contract from the seller and issuing an insurance policy for the selling price when the approval of the transfer of the bond of the buyer is transmitted from the electronic commerce server means; And loan means for issuing the insurance policy from the insurance policy issuing means and paying the loan to the seller with the insurance policy as collateral, wherein the insurance policy issuance means confirms the deposit of the transaction price from the buyer. When the insurance policy is terminated and the loan means to repay the loan provides an electronic commerce insurance system, characterized in that.

In addition, in order to achieve the above object, the present invention receives the purchase request information from the buyer and seller of the e-commerce goods, closes the e-commerce sales contract, receives the insurance application from the seller, the purchase price from the buyer An e-commerce server means for receiving approval of the assignment of the bonds; When the buyer's bond transfer approval is transmitted from the e-commerce server means, the purchase price bond of the sales contract is transferred from the seller, the loan request is input from the seller, and an insurance policy for the sale price is issued. Insurance policy issuance means; And lending means for issuing the insurance policy from the insurance policy issuing means and paying the loan to the seller with the insurance policy as collateral when the user desires a loan. When the deposit of the transaction price is confirmed, the issued insurance policy is terminated; if the loan is made to the seller, the loan is repaid to the loan means; and if the loan is not made to the seller, It provides an e-commerce insurance system, characterized in that the payment for the sale.

The present invention also provides a computer readable recording medium having recorded thereon a program for realizing the above method.

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

1 is a block diagram showing an insurance system of the present invention.

The insurance system of the present invention receives the e-commerce request information between the buyer 111 and the seller 112, the e-commerce server means 110, the insurance policy issuance means 120, the loan means 130, the virtual transaction to process the electronic commerce Account generation means 140 and notary means 150.

The present invention operates a web page for performing an e-commerce through the e-commerce server means 110, the e-commerce server means 110 is linked with the insurance policy issuance means 120 of the credit insurance company such as credit guarantee fund It is. In addition, the insurance policy issuing means 120 is linked to the loan means 130 of a financial institution such as a bank, and is also linked to the notarization means 150 of a notary office.

The e-commerce server means 110 receives the sales request information from the buyer 111 and the seller 112 of the commodity, which is the major commodity of the e-commerce, through a web page operated to conclude an e-commerce sales contract, and the seller 112. Receive the insurance application from), and receives the approval of the transfer of the bond for the purchase price from the buyer 111 transfers the bond for the sale price of the seller to the insurance policy issuing means (120).

Since bonds arising from commerce are designated bonds for which a creditor is specified, the existence of a bond certificate is only one evidence method, and therefore, even if a bond certificate does not exist, a claim for payment of bonds can be exercised by proving the bond. Therefore, the transfer of the bond deeds on the sale price does not actually transfer the bonds, but the debtor, that is, the buyer, must agree to the transfer of bonds so that the requirements for the transfer of bonds can be met.

In the present invention, when the contract is concluded to transfer the bond of the purchase price, the buyer receives an agreement for the transfer of the bond of the sale price. There may be a variety of ways to obtain consent, and is not limited by any one method, but it is preferable to receive an electronic document including the purchaser's consent and digital digital signature.

When a bond is transferred, it may be necessary to receive a date for confirmation of the transfer of the bond. The date for the transfer of the designated bond is determined by the credit insurance company (or credit) in which the bond for the purchase price is established. After the transfer to the Guarantee Fund), the credit insurance company may print out the bond transfer agreement every day and go to the notary office associated with it. It is preferred that it is programmed to be automatically notarized by transmission to 150.

That is, the notary means 150 stores in advance all the data that need to be submitted for notarization by the credit insurance company, except for the purchaser's agreement to transfer bonds, and between the insurance policy issuing means 120 and the notary means 150. When a user is confirmed by receiving a consent form through a leased line or by access through a password, it is preferable that the program is automatically notified of the purchaser's bond transfer agreement, which is automatically transmitted, to give a confirmation date for the assignment of the bond.

The virtual account generating means 140 generates a temporary virtual account to be paid for the purchase price from the buyer 111 when the bond for the sale price is transferred to the credit insurance company. The virtual account generating means 140 may generate a virtual account for each transaction, or generate a virtual account for each user to use each time a user makes a transaction. The amount deposited into the virtual account will be credited to the credit insurance company.

The seller 112 issues the electronic tax invoice through the electronic commerce server means 110. The electronic tax invoice may be issued using a separate software and transmitted to the e-commerce server means 110, or by inputting a predetermined matter into a website operated by the e-commerce server means 110 (e-commerce server means ( 110 may be issued by itself.

The electronic tax invoice is preferably an electronic document written in a programming language such as XML (eXtensible Markup Language), and it is preferable to add a digital signature for security.

In addition, the electronic tax invoice is preferably assigned a serial number using the virtual account generated by the virtual account generating means 140 as a parent.

The insurance policy issuing means 120 issues an insurance policy for the bond for the sale price if there is a transfer of the bond. If the seller 112 does not want a loan because the cash is not in a hurry at this time, it is issued to the seller. If the seller 112 wants a loan, the seller 112 receives a loan from the loan means 130 of the financial institution previously negotiated and deposits it in the user's account. The insurance policy is issued to the loan means 130 of the financial institution.

The insurance policy issuing means 120 stores the issued insurance policy, and preferably transmits the electronic document linked to the issued insurance policy to the seller or the loan means 130 in the form of an email or the like.

The insurance policy issuing means 120 terminates the stored insurance policy when it is confirmed that the purchaser deposits the purchase price into the virtual account, and pays the sale price to the seller or repays the loan.

The loan means 130 installed in the financial institution is systematically linked with the insurance policy issuing means 120, and when the insurance policy is issued from the insurance policy issuing means 120, a loan corresponding to a predetermined ratio of the policy amount To the account of the seller (112).

2 is a flow chart illustrating a method of the present invention.

First, the seller and the buyer access the website operated by the e-commerce server means 110 and log in (201).

The seller 112 applies for insurance to the electronic commerce server means 110 (202). In this case, the insurance may be individual insurance that is separately purchased for each individual transaction, and the seller 112 sets a predetermined period such as one year and does not apply for all e-commerce transactions that the seller 112 trades within that period. It may be a near-insurance to purchase insurance, or may be a full insurance to insure all e-commerce transactions on the website operated by the e-commerce server means 110.

In the case of total insurance, each seller 112 does not subscribe to each website, but operates by a website operated by the e-commerce server means 110, that is, by an e-commerce market place, and accesses the website for electronic commerce. A person who wishes to subscribe to the full insurance by submitting an insurance agreement to join the full insurance while joining as a member of the website.

There is no special time limit for the insurance and you can register after the transaction.

When the insurance application of the seller is transmitted to the insurance policy issuing means 120 linked to the e-commerce server means 110 through the e-commerce server means 110, the approval for the insurance is made through a predetermined examination. If the insurance is approved, the trading value of the e-commerce afterwards will be protected by insurance.

The seller 112 and the buyer 111 make a bid with each other through an auction method or a reverse auction method, and the e-commerce server means 110 has concluded a provisional contract with the seller 112 and the buyer 111 that meet the conditions. The contents of the fastening will be informed (203).

In addition, the virtual account generating means 140 generates a virtual account to receive the payment for the transaction according to the contract (204). The virtual account generating means 140 may generate a virtual account for each transaction, or generate a virtual account for each user to use each time a user makes a transaction. If a virtual account occurs in each transaction, the generated virtual account is maintained until the transaction price is deposited, and the amount deposited in the virtual account is deposited in the credit insurance company where the insurance policy issuing means 120 is installed. do. When a virtual account is generated for each user, the virtual account generating means 140 searches for whether a virtual account has already occurred before generating the virtual account and generates a virtual account only when there is no generated virtual account. The generated virtual account is maintained as long as the user maintains registration with the e-commerce server means 110, and is used whenever the user makes an e-commerce transaction.

When the provisional contract is concluded between the seller and the buyer, the seller delivers the goods subject to the e-commerce transaction and issues an electronic tax invoice in which the serial number is assigned using the virtual account as the serial number (205). The electronic tax invoice is prepared in the form of an electronic document and a digital signature is preferably added for security.

The electronic tax invoice is registered and stored in the electronic commerce server means 110, and is transmitted to the buyer 111.

The buyer 111 finally determines the selling price based on the electronic tax invoice and approves the transfer of the bond to the selling price (206). In a business-to-business deal, the buyer is usually negotiated with the price because the actual price is often discounted. Negotiation can be via e-mail or instant messenger, but the format is unlimited.

When the sale price is negotiated between the buyer and the seller and the price is confirmed, a bond is incurred by the seller for the purchase price corresponding to the fixed price, and the bond is required by the debtor, that is, the buyer's consent, to transfer to the designated bond. need.

The purchaser 111 enters an approval for the transfer of the trading bond while confirming the selling price. There is no restriction on the method of approving the transfer of the trade price bond, but the insurance policy issuing means 120 transmits the electronic document of a predetermined form including the contents of the agreement and the digital signature to agree to the transfer of the bond. It is advisable to approve the transfer of the bond by sending it to.

The electronic commerce server means 110 transfers the bond for the purchase price to the insurance policy issuing means 120 when the approval for the transfer of the bond from the buyer 111 is input, and issues the insurance policy. In addition, a confirmation date for the transfer of the bond is obtained through the notary means 150 (not shown).

Prior to issuing an insurance policy, the seller 112 receives an input of whether or not a loan is desired (207), and if the seller 112 does not want a loan, an insurance policy is issued to the seller (211).

In the insurance policy, it is desirable to indicate the sales receivable which is the causal creditor and to indicate the creditor (seller), the debtor (buyer), etc. in the party's column of the bond, so as to prevent in advance any problem related to the identification of the causal bond.

When the purchaser 111 deposits the purchase price into the virtual account (212), the insurance policy stored in the insurance policy issuing means 120 is terminated, and the sale price is paid to the seller (213).

If the seller wants a loan, the insurance policy is issued to a financial institution such as a bank, and a predetermined loan is provided to the seller according to the amount guaranteed by the insurance policy from the loan means 130 (221).

When the purchaser 111 deposits the purchase price into the virtual account (222), the insurance policy stored in the insurance policy issuance means 120 is terminated and the loan is repaid (223).

If the purchaser 111 does not deposit the purchase price, the buyer or the financial institution pays the insurance premium according to the insurance policy, and the purchaser 111 performs a separate procedure to promote the debt by exercising the creditor's subrogation right (231).

3 to 5 are flowcharts illustrating specific embodiments of the present invention. For convenience, the website operated by the e-commerce server means 110 and the e-commerce server means 110 is collectively referred to as MP (Market Place), a credit insurance company as a fund, and a financial institution as a bank. However, this is one of various embodiments that can be made within the scope of the present invention, and the names shown in FIGS. 3 to 5 do not limit the scope of the present invention.

3A is a part of a flowchart for performing an electronic commerce through a reverse auction method in case of individual insurance, and FIG. 3B is a part of a flowchart for performing an electronic commerce through an auction method.

First, referring to FIG. 3A, when a purchaser enters a purchase condition (301), the condition is posted on a web page through the MP (302), and the bidding is performed on the MP (303).

The seller enters the bidding terms by entering their own terms of sale (304), and in MP, the provisional agreement is concluded by specifying the buyers and sellers who meet the terms using the terms of purchase and the terms of sale (305). Notify the seller and the buyer 306 to generate a virtual account (not shown). If the virtual account is generated in advance, the existing virtual account is used.

The seller who received the notice of contract delivery delivers the goods according to the contract content (307), and inputs the goods to the MP (308). In addition, an electronic tax invoice with serial number is issued using the virtual account as a parent and the purchase price is charged (309).

On the other hand, when the buyer takes over the goods delivered by the seller (310), inspects the goods (311), if there is a problem to return and re-delivery, if there is no problem inputs that the delivery was correct (312).

The MP confirms the delivery (312), when the seller issues the electronic tax invoice, registers and stores the electronic tax invoice in the insurance policy issuing means 120 (313), and transmits the tax invoice to the buyer (314).

The buyer confirms the amount of the bond for the sale price by negotiating with the seller online or at a predetermined rate such as the quantity of the ordered goods or the discount rate according to the amount of the total sale price. Accept is entered (315). By the buyer's input, the amount of the bond is confirmed (316).

Discounts on bonds generally occur a lot in business-to-business transactions, but are not necessarily included in the method of the present invention.

Figure 3b shows a part of the flow chart of the individual insurance, the e-commerce through the auction method, the seller presents the terms of sale (401, 402), the buyer participates in the bid (404), The procedure proceeds through the same steps as in FIG. 3A except that the auction method is concluded 405.

Referring to FIG. 3C, once the bond amount is determined (316, 416), the main contract is finalized and concluded (317), and the buyer, seller and fund are notified that the main contract has been concluded (318).

When this agreement is concluded, the fund receives an application for insurance from the seller (e.g., 319), and receives the payment for the sale price bond of the e-commerce contract (320). The fund examines the application for insurance (321), and if the insurance is approved (322), it notifies the MP and the seller (322).

When the seller pays the premium (323), the fund receives it (324), issues an insurance policy (325), and notifies the seller and the MP that the insurance policy has been issued (326). Premiums can be paid in a separate account, but it is preferable to pay the virtual account for the management of the case. When an insurance policy is issued, the fund first transfers the bond for the sale price from the seller to the fund (not shown).

3D, the fund receives an input whether the seller wants a mortgage (327), issues an insurance policy to the seller if he / she does not want a mortgage (337), and issues an insurance policy to the bank if he / she wants a loan. (328). In FIG. 3D, the dotted line shows the procedure when the seller wants to make a loan.

The bank executes the loan with the insurance policy and pays the loan to the seller (329). The loan amount is preferably an amount deducted from interest guaranteed through the insurance policy up to the insurance expiration date. If the loan is executed, the bank notifies the MP, the seller, and the fund that the loan has been executed (330).

When the buyer pays the virtual account 333 before the due date (331), or when the payment is made on the due date (332), if the loan is made first, the fund repays the loan using the deposited trading price (334). , The insurance policy is terminated (335), the procedure is terminated (336), if the loan is not made, the insurance policy is terminated (335), the seller pays the settlement price (338), and the insurance policy to the MP The procedure ends (340) by notifying (339) that the termination has occurred.

If the buyer has not made a payment at the due date (332), as shown in FIG. 3E, the fund confirms that payment has not yet been made (341), and notifies the buyer (342). When the buyer is notified of the outstanding payment and the deposit is made through the virtual account 344 on the next day of the payment date (343), the buyer confirms that the deposit has been made to the account, and if the loan was not made, terminates the insurance policy (346). The bank deposits the payment (348), notifies the MP that the insurance policy has been terminated, terminates the insurance policy (346), repays the loan (349), and terminates the procedure (350).

If it is still not deposited in the account (351), if the loan was notified to the bank and MP, if the loan was not notified to the seller and MP was not paid (352).

In FIG. 3F, if no payment is made, the seller or bank bills the fund to pay the insurance premium (353). The Fund receives claims for insurance claims (354), reviews them (355), and if approved, (356) pays the seller or bank (357) to terminate the process with the seller or the bank. (359), the buyer is notified that the counterpoint has been generated (358).

If payment is not approved (356), the seller or bank is notified (361) of the disapproval. If the seller or bank disputes the disapproval notice (362), it receives it (363), examines it (364), and returns the review to the seller or bank (365) to terminate the process (366).

Figure 4 shows a part of the flowchart of the e-commerce through a reverse auction method, and in the near-insurance method, since most insurance is insured for all e-commerce transactions by the seller for a predetermined period of time Before entering into an individual contract, a muscle insurance contract is concluded.

The seller applies for insurance to the fund (501), and the fund receives it (502), and if approved (503), if approved (504), enter into a insurance policy (505), and the agreement Notify the seller and the MP (506).

Since the following process is the same as the procedure shown in Figs. 3A to 3F except for the insurance part, the description is omitted here.

Figure 5 shows a part of the flow chart of the e-commerce through the auction method to subscribe to the full insurance, the overall insurance is signed by the MP signed an agreement with the fund, the seller before the full e-commerce through the MP By agreeing to the insurance, you can receive the benefits of insurance.

First, the MP applies for full insurance subscription to the fund (601), the fund receives it (603), undergoes a review (604), and if the entire insurance agreement is concluded (606), through the MP and the MP The agreement is notified (607) to the seller performing the e-commerce, i.e., the seller who has agreed to the full insurance (602).

Since the following process is the same as the procedure shown in Figs. 3A to 3F except for the insurance part, the description is omitted here.

The method of the present invention can also be embodied as computer readable code on a computer readable recording medium. The computer-readable recording medium includes all kinds of recording devices in which data that can be read by a computer system is stored. Examples of computer-readable recording media include ROM, RAM, CD-ROM, magnetic tape, floppy disk, optical data storage, and the like, and may also be implemented in the form of a carrier wave (for example, transmission over the Internet). Include. The computer readable recording medium can also be distributed over network coupled computer systems so that the computer readable code is stored and executed in a distributed fashion.

The present invention has been described above with reference to the preferred embodiments of the present invention. However, the scope of the present invention is not limited to the embodiments of the present invention and may be freely modified within the scope of the technical idea of the invention described in the claims below.

For example, in the above-described embodiment, the present invention has been described as an example of a company-to-company, but may be applied to an electronic commerce between a company-to-consumer. In addition, in the above-described embodiment, the seller mainly describes the insurance, but the buyer may purchase the insurance if the delivery of the goods purchased by him is uncertain.

As described above, according to the present invention, even in the case of trading through e-commerce, the buyer can afford to raise funds, as in the conventional offline billing, and the seller can quickly Insurance policies that can secure the price and also have the same function as bonds for trading price have an advantage of being safe because the insurance company guarantees payment.

Claims (20)

In the e-commerce insurance method on an e-commerce website linked to a credit insurance company, Receiving insurance for the purchase price according to the e-commerce; Receiving a sale request from a seller and a buyer and entering into a provisional contract between the seller and the buyer meeting predetermined conditions and informing the seller and the buyer of the provisional contract conclusion fact; Generating a virtual account to be paid for the provisional contract; Receiving an electronic tax invoice for the provisional contract from the seller; Receiving the settlement of the trading price according to the electronic tax invoice from the purchaser and approving the transfer of the bond to the trading price; Transferring the bond for the selling price to the credit insurance company, and issuing the insurance policy for the selling price bond to the seller; And Canceling the insurance policy and paying the selling price to the seller when the purchase of the selling price is confirmed from the buyer to the virtual account. In the e-commerce insurance method on the e-commerce website linked to credit insurance companies and financial institutions, Receiving insurance for the purchase price according to the e-commerce; Receiving a sale request from a seller and a buyer and entering into a provisional contract between the seller and the buyer meeting predetermined conditions and informing the seller and the buyer of the provisional contract conclusion fact; Generating a virtual account to be paid for the provisional contract; Receiving an electronic tax invoice for the provisional contract from the seller; Receiving the settlement of the trading price according to the electronic tax invoice from the purchaser and approving the transfer of the bond to the trading price; Transferring the bond for the trading price to the credit insurance company, issuing an insurance policy for the trading price bond, and paying the seller an amount borrowed from the financial institution as collateral for the insurance policy; And Canceling the insurance policy and repaying the loan when the purchase of the transaction price is confirmed from the buyer to the virtual account; e-commerce insurance method comprising a. In the e-commerce insurance method on an e-commerce website linked to a credit insurance company, Receiving insurance for a bond according to an e-commerce transaction; Receiving an approval for the transfer of the bond from the debtor for the bond when the insured sale contract is concluded; Transferring the bond to the credit insurance company and issuing an insurance policy to a creditor for the bond; And Canceling the insurance policy when the performance of the debt according to the bond is confirmed by the debtor, and performing a debt to the creditor to the creditor. In the e-commerce insurance method on the e-commerce website linked to credit insurance companies and financial institutions, Receiving insurance for a bond according to an e-commerce transaction; Receiving an approval for the transfer of the bond from the debtor for the bond when the insured sale contract is concluded; Transferring the bond to the credit insurance company, issuing an insurance policy on the bond, and paying the creditor the amount borrowed from the financial institution as the security of the insurance policy; And Canceling the insurance policy and repaying the loan when it is confirmed that the debtor fulfills the debts according to the bond; and repaying the loan. The method of claim 3 or 4, wherein the electronic commerce insurance method Generating a virtual account to pay the debt for the bond; e-commerce insurance method further comprising. The method of claim 3 or 4, wherein the creditor is a seller, the debtor is a buyer, and the bond is a bond for a trading price according to a sale. The electronic commerce insurance method according to claim 3 or 4, wherein the completion of the contract of sale is made by issuing an electronic tax invoice for the electronic commerce from the creditor and receiving a fixed amount of the bond from the debtor. . The method of claim 5, wherein the e-commerce insurance method And generating a virtual account for paying the debt for the bond, wherein the electronic tax invoice is provided with a serial number using the virtual account as a parent number. The method according to any one of claims 1 to 4, wherein the insurance is insurance for all the e-commerce bonds which the creditor trades through the website for a predetermined period. The method according to any one of claims 1 to 4, wherein the insurance is insurance for all the e-commerce bonds traded through the website. The method according to any one of claims 1 to 4, wherein the insurance is insurance for a bond of a predetermined electronic commerce specified by the creditor. The method according to any one of claims 1 to 4, wherein the approval of the assignment of the bond by the debtor further comprises the step of receiving a notary for acquiring a fixed date for each date of approval of the assignment of the bond. E-Commerce Insurance Method. E-commerce server means for receiving e-commerce request from buyers and sellers of e-commerce counterparts to conclude e-commerce sales contracts, receive insurance application from the sellers, and receive approval from the buyers to transfer bonds for the sale price. ; And And insurance policy issuing means for transferring the purchase price bond of the trading agreement from the seller and issuing an insurance policy for the sale price to the seller when the approval of the transfer of the bond of the buyer is transmitted from the e-commerce server means. , The insurance policy issuance means is terminated the issued insurance policy when the payment of the purchase price is confirmed from the buyer, the electronic commerce insurance system, characterized in that to pay the sale price to the seller. E-commerce server means for receiving e-commerce request from buyers and sellers of e-commerce counterparts to conclude e-commerce sales contracts, receive insurance application from the sellers, and receive approval from the buyers to transfer bonds for the sale price. ; An insurance policy issuing means for transferring the trading price bond of the trading contract from the seller and issuing an insurance policy for the selling price when the approval of the transfer of the bond of the buyer is transmitted from the electronic commerce server means; And Loan means for issuing the insurance policy from the insurance policy issuing means and paying the loan to the seller with the insurance policy as collateral; The insurance policy issuance means is terminated the issued insurance policy when the payment of the purchase price is confirmed from the buyer, the electronic commerce insurance system, characterized in that to repay the loan. E-commerce server means for receiving e-commerce request from buyers and sellers of e-commerce counterparts to conclude e-commerce sales contracts, receive insurance application from the sellers, and receive approval from the buyers to transfer bonds for the sale price. ; When the buyer's bond transfer approval is transmitted from the e-commerce server means, the purchase price bond of the sales contract is transferred from the seller, the loan request is input from the seller, and an insurance policy for the sale price is issued. Insurance policy issuance means; And And lending means for issuing the insurance policy from the insurance policy issuing means and paying the loan to the seller with the insurance policy as collateral when the user desires a loan. The insurance policy issuing means terminates the issued insurance policy when the payment of the transaction price is confirmed from the buyer, and if the loan is made to the seller, the loan is repaid to the loan means and the loan is made to the seller. If not, the e-commerce insurance system, characterized in that for paying the sale price to the seller. 16. The electronic commerce insurance system according to any one of claims 13 to 15, wherein And a virtual account generating means for generating a virtual account to be paid for the sale price of the completed sales contract when the purchase of the bond transfer of the buyer is transmitted from the e-commerce server means. 16. The electronic commerce insurance system according to any one of claims 13 to 15, wherein And a notary means for receiving a fixed date for the transfer of the bond when receiving the transaction price bond. The method according to any one of claims 13 to 15, wherein the electronic commerce server means receives predetermined information from the seller and issues an electronic tax invoice of the seller for the electronic commerce in which the sale contract is concluded. E-commerce insurance system. 19. The system of claim 18, wherein said e-commerce insurance system And a virtual account generating means for generating a virtual account to be paid for the sale price of the concluded trading contract when the approval for the transfer of the bond of the buyer is transmitted from the electronic commerce server means. E-commerce insurance system, characterized in that the serial number is given by. A computer-readable recording medium having recorded thereon a program for realizing the method according to any one of claims 1 to 4.