JP2001344542A - Electronic commercial transaction for ensuring exchange of merchandise and charge - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a method for ensuring the exchange of merchandise and its charge in an electronic commercial transaction that utilizes the Internet, etc. SOLUTION: In this electronic commercial transaction that utilizes the Internet, etc., a system is proposed in which a financial institution temporarily keeps remittance from a person who wants to purchase merchandise and notifies a merchandise seller of the temporary deposit. The financial institution deposits the charge in the account of the merchandise seller after confirming that the merchandise seller has sent the merchandise and that the person who wants to purchase the merchandise has received the merchandise.

Description

DETAILED DESCRIPTION OF THE INVENTION [Industrial applications]

The present invention relates to a method and a system for securely transferring and receiving a product between a product purchaser and a product seller in electronic commerce.

[Prior art]

Conventionally, using a wired or wireless network such as the Internet, BtoB (business-to-business electronic commerce), BtoC (business-to-consumer electronic business), CtoC (consumer-to-consumer electronic business) Electronic commerce such as is performed. For example, in Internet e-commerce, a product purchaser clicks on a product that appears on the Internet screen to apply for a purchase,
Fill in the contact information such as address, telephone number, e-mail address, etc., the amount for remittance and the number of cash card, credit card, prepaid card etc. on the screen and click on it, the money will be deposited in the merchant's account ,
2. Description of the Related Art Electronic merchandise is traded in such a manner that merchandise sellers ship merchandise and those who wish to purchase merchandise receive the merchandise. However, in this method, the problem that the product purchaser sent the price but the product seller did not ship the product, and the problem that the product seller sent the product but the product purchaser did not receive the payment, etc. In particular, CtoC (consumer-to-consumer electronic commerce) causes many problems, which hinders the development of the Internet business.

[Problems to be solved by the invention]

[0003] The present invention relates to a method and system for securely transferring and receiving a product between a product purchaser and a product seller in electronic commerce on the Internet or the like.

[Means for Solving the Problems]

[0004] The present invention relates to the Internet, fax,
When conducting an e-commerce transaction to purchase products posted on a wired or wireless network such as a telephone, the purchaser of the product must transfer the price of the product to a temporary deposit account at a financial institution such as a bank, post office, cash, cash card, Deposit is made with a credit card, prepaid card, or the like, and the financial institution makes a temporary deposit without immediately depositing the payment into the merchandise seller's account. The financial institution notifies the merchandise seller that the payment has been made, and the merchandise seller confirms the temporary deposit of the merchandise payment to the financial institution and then requests the carrier to ship the merchandise. The financial institution confirms that the product purchaser has received the desired product by the notification of the product purchaser and / or the carrier, and deposits the price into the product seller's account. If the product is not sent from the financial institution to the product purchaser even though the financial institution sends a temporary deposit payment notification to the product seller, confirmation of the failure of e-commerce by the notification from the product purchaser After a certain period of time, the purchaser will be refunded. Also, even if the product is sent from the product seller,
If the purchaser acknowledges that a product of a different quality than the desired product has been sent, and does not return the product price to the product seller upon return notification from the product purchaser and / or carrier, Confirm that the merchandise seller has received the returned merchandise, acknowledge the failure of e-commerce, and refund the purchaser after a certain period of time.

A financial institution such as a bank or a post office according to the present invention performs electronic commerce between a product purchaser and a product seller, and ensures the transfer of products and the transfer of prices.
You can open a temporary deposit account. In addition, it is possible to contract with a designated carrier and receive a product receipt notification and a product return notification without fail.

BEST MODE FOR CARRYING OUT THE INVENTION

[0006] A merchandise seller A on the Internet has posted a screen on a homepage for selling a classic camera at a price of 150,000 yen. Looking at this screen, the purchaser B of the product enters the address, name, e-mail address, and telephone number, and enters 1 into the account of the bank C on the homepage of the product seller A.
Fill in the amount of 50,000 yen and credit card number and send. The merchandise seller A receives the notification of the address, name, e-mail address, telephone number and remittance from the merchandise purchaser B who wants to purchase the classic camera. Bank C receives the address, name, e-mail address, telephone number and credit card number of 150,000 yen paid for the purchaser B. Bank C confirms the payment of 150,000 yen by the product purchase applicant B and notifies the product seller A that the customer C is temporarily held. The merchandise seller A confirms the payment of the merchandise to the bank C by a credit card, and consigns a classic camera to a carrier D designated by the bank C and sends the classic camera to the purchaser B. Purchaser B, who received the classic camera from Carrier D, confirms that the Classic Camera is of the desired quality, notifies Carrier D of the receipt, and notifies Bank C of the receipt of the product. did. Carrier is Bank C
Has been notified that the goods have been received. After confirming the receipt of the goods from the purchaser B and the carrier D, the bank determines that the electronic commerce has been established and deposits 150,000 yen into the account of the merchant A.

[0007] A merchandise seller A on the Internet has posted a screen on a homepage for selling classic wrist watches at a price of 250,000 yen. After looking at this screen, the product purchaser B fills in the address, name, e-mail address, and telephone number and sends it, and the product seller A described on the homepage
250,000 yen was deposited to the bank C account with a cash card. The merchandise seller A has received a notification from the merchandise purchaser B that he / she wishes to purchase Leica, the address, name, e-mail address, telephone number and payment. Bank C, which received a cash card payment of 250,000 yen from the product purchase applicant B, confirmed the payment of 250,000 yen and notified product seller A that temporary deposit was being performed. The merchandise seller A entrusts a classic watch to a carrier D designated by the bank C and sends it to a purchaser B. The purchaser B who has received the classic wristwatch from the carrier D wants to return the classic wristwatch because the quality of the classic wristwatch was not the desired quality, and entrusted the return to the carrier D. The carrier D returns the goods to the seller A, and notifies the bank C that the goods have been returned. The bank that confirms the goods return notice from Carrier D,
Judge that e-commerce is not established
50,000 yen was refunded.

[0008] A merchandise seller A on the Internet has posted a screen on a homepage for selling celadon porcelain at a price of 100,000 yen. The purchaser B who sees this screen fills in the address, name, e-mail address, and telephone number, sends it, and sends a 100,000 yen prepaid card to the account of the seller C on the homepage of the product seller A. I paid in.
The merchandise seller A receives the address, name, e-mail address, telephone number, and payment notification from the merchandise purchaser B who wants to purchase the celadon porcelain. Bank C, who received a 100,000 yen prepaid card remittance from product purchaser B,
After confirming the payment of ¥ 0,000, the product seller A was notified that temporary deposit was being performed. Merchandise seller A confirmed payment to bank C with the prepaid card, but did not send to merchant buyer B because the celadon porcelain was damaged, and notified bank C that the merchandise could not be shipped. Bank C also checked the notification of non-arrival of the product from applicant B, and determined that e-commerce was not established, and refunded 100,000 yen to the buyer B's account.

Claims (10)

[Claims] [Claim 1] In electronic commerce for buying and selling goods, a purchaser of a product sends a remittance to a financial institution, the remittance is temporarily held by the financial institution, and the financial institution receives a deposit from the purchaser of the product. Notify the merchant. The merchandise seller requests the carrier to ship the merchandise to the purchaser.
The financial institution confirms that the merchandise seller has dispatched the merchandise and the merchandise purchaser has received the merchandise by the notice of the carrier and / or the merchandise purchaser, and then transfers the merchandise to the merchant, An e-commerce system that guarantees payment. 2. The method for conducting electronic commerce according to claim 1 is performed by a wired or wireless network such as the Internet, a facsimile, and a telephone. 3. An order for a product purchased by the product purchase applicant of claim 1 is made through a wired or wireless network of claim 2. 4. The method according to claim 1, wherein the remittance is temporarily stored by the financial institution, and the payment to the financial institution from the purchaser of the product is not immediately transferred to the account of the product seller, but the confirmation of the transfer of the product is confirmed. A method of performing temporary custody until it is performed. 5. The confirmation that the product purchase applicant of claim 1 has received the product is confirmed by a notification from a carrier or / and a product purchase applicant who delivers the product. 6. The method according to claim 1, wherein the payment by the financial institution to the merchandise seller is made by depositing the money paid by the merchandise purchaser into the account of the merchandise sender after confirming the claim. 7. A method according to claim 4, wherein the financial institution temporarily stores the remittance of the product purchase applicant by opening a special account such as a temporary deposit remittance account. Claim 8: There is a deposit from the product purchaser to the financial institution, and the financial institution temporarily depositing the payment notifies the product seller that the deposit has been made, but from the product seller to the product purchaser. If the product is not dispatched, the financial institution can confirm that the e-commerce has not been established and refund the payment to the product purchase applicant after a certain period of time. Even if the merchandise is shipped from the merchandise seller, if the purchaser of the merchandise confirms that the merchandise of a different quality from the desired merchandise has been shipped and wishes to return the goods, the financial institution has failed in e-commerce based on the notification from the carrier Can be confirmed and returned to the purchaser of the product after a certain period of time without depositing the temporarily deposited money into the product seller. 9. The financial institution according to claim 4, wherein the temporary deposit of the product payment from the product purchase applicant, the product purchase applicant, and the temporary deposit based on the product delivery confirmation notification from the carrier, etc. An account to fund the seller,
Accounts for refunding the product price to the product purchaser can be set up individually or collectively according to the return confirmation notification from the product purchaser or the carrier. 10. The financial institution sends a notice between the courier service and the postal service carrier to confirm that the merchandise has been received from the merchandise seller to the merchandise purchaser. You can enter into a contract to receive the product, a notification from the product purchaser confirming the return, etc.