JP2002049858A - Method for settlement using homepage and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make trouble regarding a network auction, etc., easily and surely reducible. SOLUTION: A person 20 who desires to sell, notifies an auction company 10 of the image of an exhibited item through a Web server 61 on the internet 6 and a person 30 who desires to buy, bids for the exhibited item of the person 20 by using a communication terminal 31; and the auction company 10 receives the exhibited item image from the person 20 and publishes it in a homepage by using a communication terminal 11, and then transfers notice of a successful bid to the person 30 and settlement request data to a credit company 40. The credit company 40 receives the settlement request data by using a communication terminal 41 and transfers withdrawal data to the host computer 51 of a bank 50, which then performs withdrawal from the account of the person 30 by the host computer 51 and pays to the account of the person 20.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement method and a recording medium using a credit card-based homepage for settlement of an article such as a net auction using an Internet homepage.

[0002]

2. Description of the Related Art Conventionally, an auction of an article or the like has been operated by an operator deciding a date and time to be held, setting a venue, and calling on participants.

[0003]

By the way, as described above, in the method in which the operator decides the date and time of the event, sets the venue, and calls the participants, the operation is performed by holding the auction or the like. There is a problem that the cost required for the method increases.

Therefore, in recent years, the operation of the Internet auction and the like using the Internet has been actively performed.

[0005] However, in such an Internet auction or the like, since an image of an article taken by a digital camera or the like is posted on a homepage, there are many troubles during settlement.

The present invention has been made in view of such a situation, and can provide a settlement method and a recording medium using a homepage that can easily and surely reduce troubles in an Internet auction or the like. Is to do so.

[0007]

According to a first aspect of the present invention, there is provided a settlement method using a homepage, wherein a sale applicant notifies an auction company of an exhibition image using a communication terminal via an Internet Web server. And a second step in which a purchaser bids for an exhibit of the seller using a communication terminal via a Web server on the Internet, and an auction company uses a communication terminal to display an image from the seller. A third step of posting a notice of a successful bid to the purchaser and transferring settlement request data to a credit company,
A fourth step in which the credit company accepts the settlement request data via the Internet Web server using a communication terminal, and transfers the debit data to a bank host computer via the Internet Web server; A fifth step of debiting the purchase applicant's account and depositing money into the seller's account by a host computer. Further, the third step may include a sixth step of transferring the settlement request data to the credit company only when the goods have been delivered from the seller. . Further, the fourth step includes a seventh step of transferring the withdrawal data only when the settlement request data is received, and only when the usage limit of the purchase applicant is not exceeded. can do. Further, the third step may include an eighth step of receiving a member registration of the sale applicant or the purchase applicant and issuing a member number. In the eighth step, when accepting the member registration, a name, a delivery address, Tel, FAX or e-ma
A ninth step of receiving notification of the il, credit company name, credit card number, and expiration date of the card can be included. In the third step, a tenth step of storing attributes relating to the sale applicant and the purchase applicant by a registration information storage unit, and an exhibition from the sale applicant by an exhibition information reception unit. An eleventh step of storing images, bid information, contract information, and successful bid information between the sale applicant and the purchase applicant, and a twelfth step of receiving a bid from the purchase applicant by a bid receiving unit. and of the process, by the contracts concluded notification unit, formed of a bid from the purchaser
When the contract is established, a thirteenth step of notifying the sale applicant of a contract , a fourteenth step of notifying the purchase applicant of a successful bid by the successful bid notification unit, and a settlement request notification unit
A fifteenth step of notifying the credit company of the settlement data after a contract between the sale applicant and the purchase applicant is made may be included. Further, in the eleventh step, when the exhibition image is transferred, the exhibition image is stored in a W
A sixteenth step of posting on the homepage of the eb server may be included. In the fourth step, the user information storage unit stores an attribute attached to the credit card used by the purchaser and a credit limit which is a credit limit of the credit card. In the seventeenth step, the credit limit checking unit compares settlement request data from the auction company with the credit limit stored in the user information storage unit to determine whether settlement is possible. 18th step to be performed. A recording medium according to a ninth aspect is characterized in that a program capable of executing the settlement method using the homepage according to any one of the first to eighth aspects is recorded. In the settlement method and the recording medium using the homepage according to the present invention, the sale applicant notifies the auction company of the exhibition image using the communication terminal to the auction company via the Internet Web server, and the purchase applicant uses the communication terminal. Web site on the Internet
Bidding through the server, the auction company accepts the image of the seller from the seller using a communication terminal, publishes it on the homepage, and forwards the notice of the successful bid to the buyer,
Further, the settlement request data is transferred to the credit company, and the credit company accepts the settlement request data using the communication terminal via the Internet Web server, and transfers the debit data to the bank host computer via the Internet Web server. Then, the bank uses the host computer to debit the purchase applicant and make a payment to the sale applicant's account.

[0008]

Embodiments of the present invention will be described below.

FIGS. 1 and 2 are diagrams for explaining an outline of a settlement system according to an embodiment of a settlement method using a homepage of the present invention. FIGS. 3 to 12 are diagrams of FIGS. It is a figure for explaining the settlement method using the homepage in the settlement system.

The settlement system shown in FIGS. 1 and 2 comprises an auction company 10, a seller 20, and a buyer 3
0, the credit company 40, and the bank 50 can communicate with each other via the Web server 61 of the Internet 60.

[0011] The auction company 10 has a communication terminal 11. The communication terminal 11 is connected to the W
The exchange of information between the sale applicant 20, the purchase applicant 30, and the credit company 40 is performed via the eb server 61. The registration information storage unit 12, the exhibition information reception unit 13, the bid reception unit 14, a contract notification unit 15, a successful bid notification unit 16, and a settlement request notification unit 17.

The registration information storage unit 12 stores attributes such as the address, name, and age of the sale applicant 20 and the purchase applicant 30. These attributes are managed by member numbers assigned in advance.

The exhibition information receiving unit 13 includes (1) an exhibition image from the seller 20 and a seller 20 and a buyer 30
It also stores bid information, contract information, successful bid information, and the like. Further, when the (1) exhibition image from the sale applicant 20 is transferred, the exhibition information receiving unit 13 transmits the (1) exhibition image to the Web server 61 of the Internet 60 (2).
Post on the Web. In addition, (2) when posting (2) the Web on the Web server 61 of the Internet 60, the system also accepts (6) the delivery of the article (1) of the exhibition image from the sale applicant 20.

[0014] bid receiving unit 14 receives from the purchaser 30 (3) bid (Bi d). This (3) bid (B
id ) is up to the credit card usage limit of the purchase applicant 30.

[0015] contracts concluded notification unit 15, when the (4) contracts concluded in from the purchaser 30 (3) bid (Bi d) was Seiritsu', to sell seekers 20 (5) carry out the contracts concluded notification.

The successful bid notification unit 16 notifies the purchase applicant 30 of (6) 'a successful bid. In addition, when (6) notification of a successful bid is performed, (8) delivery to the purchase applicant 30 is also performed.

The settlement request notifying section 17 notifies the credit company 40 of (7) settlement request data after the contract between the sale applicant 20 and the purchase applicant 30 is made.

The credit company 40 is for receiving a settlement request from the auction company 10 side.
1 is provided. The communication terminal 41 includes a user information storage unit 4
2. A credit limit checking unit 43 is provided.

The user information storage section 42 stores the purchase applicant 30
Stores attributes such as address, name, age, etc. attached to the credit card being used, and the credit limit, which is the credit limit of the credit card.

The credit limit checking unit 43 compares (7) the settlement request data from the auction company 10 with the credit limit, which is the use limit stored in the user information storage unit 42, and performs settlement. Determine whether it is possible. Further, the credit limit confirmation unit 43, when the settlement is possible, the bank 50
(10) Transfer the withdrawn data to In addition, the credit limit confirmation unit 43 issues (9) a usage statement to the purchase applicant 30.

The bank 50 has a host computer 51. Upon receiving the (10) debit data from the credit company 40, the host computer 51 debits (11) the account of the purchaser 30.

Next, a settlement method using a homepage in the settlement system having such a configuration will be described.

First, as shown in FIG. 3, the entire flow of the settlement system includes (step 301) member registration,
It consists of the net auction of (Step 302), the delivery of (Step 303), and the price settlement of (Step 304).

In the member registration in (step 301) of FIG. 3, as shown in FIG.
(Step 401). Here, the attributes of the sale applicant 20 and the purchase applicant 30 in FIG. 1 are received. For example, as shown in FIG. 5, reading, name, delivery address, Tel, FAX
Or ask for your e-mail, credit company name, credit card number, card expiration date, etc.

When the seller 20 or the buyer 30 inputs these attributes and presses send, the information is transmitted to the communication terminal 11 of the auction company 10 via the Web server 61 of the Internet 60. Will be transferred.

The auction company 10 receiving these attributes performs a review (step 402) and determines the suitability of the sale applicant 20 and the purchase applicant 30. The attributes from the sale applicant 20 and the purchase applicant 30 are stored in the registration information storage unit 12 in FIG.

Further, as a result of the examination, a member registration of the sale applicant 20 and the purchase applicant 30 who passed the examination is performed (step 403). By this member registration, exhibition /
You will be eligible to bid.

Next, the member number is notified by e-mail from the auction company 10 to the sale applicant 20 and the purchase applicant 30 registered as members (step 404). This member number is used at the time of bidding and the like.

Next, in the net auction of FIG. 3 (step 302), as shown in FIG. 6, an exhibition request from the seller 20 is accepted (step 601).
In this case, the exhibition information receiving unit 13 in FIG. 2 can receive the image data from the seller 20 by e-mail.

Next, the image data from the sale applicant 20 is posted on the home page of the Web server 61 on the Internet 60 (step 602). Then, a bid is made on the Web by the purchase applicant 30 (step 603). In this case, when the purchase applicant 30 accesses the homepage of the auction company 10, for example, FIG.
Is displayed on the display of the communication terminal 31 of the purchase applicant 30.

Here, for example, 1. Electrical products, 2. Household goods are listed. Also, 1. Electric appliances,
2. In the household goods, there is provided a click column for clicking when viewing image data, so that image data can be displayed by clicking the click column.

Further, 1. Electrical products, 2. In the household goods, the highest bid amount and the bid deadline date are displayed, and an input box for inputting a bid amount and an input box for inputting a member number are provided.

When the purchase applicant 30 inputs the bid amount and the member number in the respective input fields and presses send, the information is transferred to the auction company 10 side, and is transmitted to the auction company 10 by the bid receiving unit 14 in FIG. Accepted.

[0034] and, upon reaching the bid closing date, as shown in FIG. 6, a successful bid the highest amount of Bi d the buyer 30 in which bidder is determined (step 604).

At this time, for example, a contract notice as shown in FIG. 8 is transferred to the seller 20 by e-mail. Here, the name of the seller 20 and the auction company 10
Is displayed. Also, "You are XX / XX
No./XX of the net auction that was exhibited. XX-
XXX was awarded. Therefore, please send an exhibit by the following deadline. The following successful bid amount will be debited from the successful bidder's account by credit card payment and will be credited to your credit card debit account. And the item name, the successful bid price, the delivery deadline, the delivery location, and the like.

In addition, the precautionary statement states that "* If the item is not delivered by the deadline, the contract will be automatically canceled. (If the item is not delivered for the second time, the membership will be lost.)" Is also displayed.

Further, a notice of a successful bid as shown in FIG. 9, for example, is transmitted by e-mail to the purchaser 30 who has made a successful bid.
Here, the name of the purchase applicant 30 and the auction company 1
0 is displayed. Also, "You are XX / X
No. of the net auction bid on X / XX XX
-You have won a bid for XXXX. The successful bid price will be deducted from the registered credit card bank account. "
, The name of the product, the successful bid price, the delivery deadline, the delivery location, etc. are displayed.

Also, as a note, "※ If the balance of the bank account is insufficient on the settlement date of the payment and the withdrawal cannot be made, the successful bid will be automatically canceled and you will lose the membership of this site." Is also displayed.

Next, in the delivery of (step 303) in FIG. 3, as shown in FIG. 10, when there is a delivery from the seller 20 as a seller to the auction company 10 (step 1101), the auction company 10 Confirms the delivery (step 1102), and the auction company 10 delivers the product to the designated place of the purchaser 30 who is the successful bidder (step 1103).

That is, as shown in FIG. 11, when there is a delivery from the seller 20 as a seller to the auction company 10, the auction company 10 confirms the delivery and the buyer who is the successful bidder from the auction company 10. Delivery to 30 designated locations is performed.

In this case, if there is a delivery from the seller 20, the settlement request data is sent from the auction company 10 to the credit company 40.
, The settlement request data is not sent from the auction company 10 to the credit company 40.

Next, in the payment settlement of FIG. 3 (step 304), as shown in FIG. 12, settlement request data is sent from the auction company 10 to the credit company 40 (step 1201). However, in this case, as described above, if there is no delivery from the sale applicant 20, the settlement request data is not sent from the auction company 10 to the credit company 40.

As a result, only when the purchaser 30 is surely delivered, the account of the purchaser 30 is debited, so that the goods do not arrive despite the successful bid and payment. No more trouble.

Next, a usage statement is sent from the credit company 40 to the purchase applicant 30 (step 120).
2). Further, the credit data is transmitted from the credit company 40 to the bank 50 (step 1203). Then, on the settlement day, the withdrawal from the account of the purchase applicant 30 as the successful bidder and the payment to the account of the sale applicant 20 as the exhibitor are performed (step 1204).

As described above, in the present embodiment, the sale applicant 20 notifies the auction company 10 of the exhibition image using the communication terminal 21 via the Web server 61 of the Internet 60, and the purchase applicant 30 communicates. The goods of the sale applicant 20 using the terminal 31 are sent to the Internet 60 via We.
b) A bid is made via the server 61, and the auction company 10 accepts the image of the exhibition from the sale applicant 20 using the communication terminal 11 and publishes it on the homepage,
0, the settlement request data is transferred to the credit company 40, and the credit company 40 transmits the settlement request data to the W of the Internet 60 using the communication terminal 41.
When the bank 50 accepts the payment via the web server 61 and transfers the debit data to the host computer 51 of the bank 50 via the web server 61 of the Internet 60, the bank 50 allows the host computer 51 to
In addition to the above-mentioned account debit, and payment is made to the account of the sale applicant 20, it is possible to easily and reliably reduce troubles in the Internet auction and the like.

That is, in the settlement, the bidding limit is set not to exceed the credit limit of the credit card, so that the settlement risk can be extremely reduced. In addition, since the delivery is performed from the sale applicant 20 to the purchase applicant 30 via the auction company 10, the delivery can be confirmed, and furthermore, the settlement can be reliably stopped when the product is not delivered, so that there is no delivery problem.

Further, since no negotiation is required between the sale applicant 20 and the purchase applicant 30, the burden can be reduced. Also, since the identities of each other can be kept secret, privacy can be protected.

Further, at the time of bidding, since the member number is used, the information of the credit card does not leak on the net, and security can be ensured. Further, only the bid amount is displayed on the Web, and the membership number is not displayed, so that it is possible to prevent other participants from knowing who bid the bid amount on the Web. Further, in the case of undelivered goods or inability to settle the price, sanctions can be taken by, for example, losing the membership.

[0049]

As described above, according to the settlement method and the recording medium using the homepage according to the present invention, the sale applicant notifies the auction company of the exhibition image using the communication terminal via the Internet Web server. The buyer wishes to bid on the seller's exhibit using the communication terminal via the Internet Web server, and the auction company accepts the seller's exhibit image using the communication terminal and publishes it on the homepage. The transfer of the notice of the successful bid to the purchaser, the transfer of the settlement request data to the credit company, the credit company accepts the settlement request data via the Internet Web server using the communication terminal, and sends the settlement request data to the bank host computer. If you transfer your debit data via the Internet web server,
Since the bank uses the host computer to debit the purchaser's account and deposit money into the seller's account, it is possible to easily and surely reduce troubles in the Internet auction and the like.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining an outline of a payment system according to an embodiment of a payment method using a homepage of the present invention.

FIG. 2 is a diagram for explaining an outline of a payment system according to an embodiment of a payment method using a homepage of the present invention.

FIG. 3 is a flowchart illustrating a settlement method using a homepage in the settlement systems of FIGS. 1 and 2;

FIG. 4 is a flowchart for explaining a settlement method using a homepage in the settlement system of FIGS. 1 and 2;

FIG. 5 is a diagram showing an example of a registration screen in the member registration of FIG.

FIG. 6 is a flowchart for explaining a settlement method using a homepage in the settlement systems of FIGS. 1 and 2;

FIG. 7 is a diagram showing an example of a homepage of an auction company in the auction of FIG. 6;

8 is a diagram showing an example of a contract notification in the auction of FIG.

FIG. 9 is a diagram showing an example of a successful bid notification in the auction of FIG. 6;

FIG. 10 is a flowchart for explaining a settlement method using a homepage in the settlement systems of FIGS. 1 and 2;

FIG. 11 is a diagram for explaining delivery in the auction of FIG. 10;

FIG. 12 is a flowchart for explaining a settlement method using a homepage in the settlement system of FIGS. 1 and 2;

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 10 Auction company 11, 21, 31, 41 Communication terminal 12 Registration information storage part 13 Exhibition information reception part 14 Bid reception part 15 Contract notification part 16 Successful bid notification part 17 Settlement request notification part 20 Selling candidate 30 Purchase applicant 40 Credit company 42 User information storage unit 43 Credit limit check unit 50 Bank 51 Host computer 60 Internet 61 Web server

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 422 G06F 17/60 422 G07F 17/40 G07F 17/40 F Term (Reference) 5B049 BB11 BB46 CC05 CC08 CC36 EE01 EE07 EE24 EE26 FF03 FF04 GG04 GG07 5B055 BB20 CB09 CC10 CC10 CC11 EE02 EE03 EE06 EE21 EE27 FA01 FB03 JJ05 KK00 KK19 PA02 PA34 PA37

Claims (9)

[Claims] 1. A first step in which a seller wants to notify an auction company of an exhibition image using a communication terminal via a Web server on the Internet, and a buyer wants to sell the exhibitor using the communication terminal. A second step of bidding via the Internet Web server, and an auction company accepting the image of the seller from the seller by using a communication terminal, posting the image on a homepage, and transmitting a notice of a successful bid to the buyer. And a third step of transferring the settlement request data to a credit company. The credit company accepts the settlement request data via the Internet Web server using a communication terminal, and sends the debit data to a bank host computer. A fourth step of transferring via an Internet web server; By chromatography data, performs a direct debit of the purchaser, the settlement method using the home page, characterized in that it comprises a fifth step of performing the payment to the account of the sale seekers. 2. The method according to claim 1, wherein the third step includes a step of transferring the settlement request data to the credit company only when an article is delivered from the seller. 2. A settlement method using a homepage according to claim 1. 3. In the fourth step, when the settlement request data is received, the debit data is transferred only when the usage limit of the purchaser is not exceeded.
2. The settlement method using a homepage according to claim 1, further comprising the step of: 4. The method according to claim 1, wherein the third step includes an eighth step of receiving a member registration of the sale applicant or the purchase applicant and issuing a member number.
Payment method using the homepage described in. 5. In the eighth step, when accepting the member registration, a name, a delivery address, Tel, FAX or
The method according to claim 4, further comprising a ninth step of receiving notification of an e-mail, a credit company name, a credit card number, and an expiration date of the card. 6. The tenth step of storing attributes relating to the seller and the purchaser by a registration information storage unit in the third step, and the seller information by the exhibition information receiving unit. An eleventh step of storing the image of the exhibition and the bidding information, the contract information, and the successful bid information between the sale applicant and the purchase applicant, and the bidding from the purchase applicant by the bid receiving unit. A twelfth step of accepting, and a contract notification unit, when a bid is concluded from the purchase applicant, a contract notification to the sale applicant.
And of the process, by the successful bid notification unit, and the first 14 of the step of performing the successful bid notification to the purchasers, by the settlement request notification unit, after the contracts concluded were Seiritsu' in between the purchaser and the sale seekers And a fifteenth step of notifying the credit company of the payment data. 7. The eleventh step includes, when the exhibition image is transferred, a sixteenth step of posting the exhibition image on a homepage of a Web server on the Internet. Payment method using the homepage described in 6. 8. In the fourth step, the user information storage unit stores an attribute attached to the credit card used by the purchaser, a credit limit which is a credit limit of the credit card, The first to store
Step 7: The credit limit checking unit compares the settlement request data from the auction company with the credit limit stored in the user information storage unit to determine whether settlement is possible. The method according to claim 1, further comprising an eighteenth step.
Payment method using the homepage described in. 9. A recording medium on which a program capable of executing the settlement method using the homepage according to claim 1 is recorded.