JP2002092375A - Market maker support system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable commodity dealings for executing payment or instruction and control of commodity delivery to a deposit/saving reception agency and a physical distributor from the standpoint between both sides for smoothing the commodity dealings between a seller and a buyer by using the Internet and for preventing illegal dealings. SOLUTION: After execution of an information acquisition-check means 110 for judging the existence of a problem of the commodity dealings, member registration is executed by a buyer information input means 120 for inputting information of the buyer 105, a seller information input means 130 for inputting information of the seller 101, and an information registration renewal means 140, and the result of a cost calculation means 150 for calculating a cost required for purchase and the result of a deposit means 160 for depositing by the buyer 105 are confirmed by a comparison means 170. When the commodity dealings are possible, the commodity is delivered by a commodity delivery means 180 of the physical distributor 104, and the buyer 105 confirms the commodity by an inspection means 190, and confirms delivery finish and the result of inspection confirmation by an inspection confirmation means 200. In the normal case, the deposit/saving reception agency 102 pays the money deposited by the buyer 105 to an account of the seller 102 by a payment means 210.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a market maker support system for instructing and managing payment and delivery of goods in the provision of goods and services.

[0002]

2. Description of the Related Art Generally, in selling goods, a buyer pays a price to a seller at the same time as delivery and service of the goods to a buyer.
In addition, there are two ways to pay for the seller's account, such as when purchasing goods directly from the manufacturer. There are two ways to do this, one is for the buyer to receive the goods from the seller, A method of depositing the cost of the seller's bank account etc., a method of paying the carrier as a cash on delivery when receiving goods, and conversely, a buyer deposits in advance to the seller's bank account etc., and the seller After confirmation, there is a way for the seller to deliver the goods to the buyer. In addition, the seller's credit card number and bank account number, which are found in mail-order sales, etc., are shown to the seller,
A method is used in which a seller confirms the account, and after the goods are sent out, a payment is made on a fixed date. In addition, trading (debit card) using a conventional cash card has been performed.

[0003] Japanese Patent Application Laid-Open No. Hei 10-187830 discloses an example relating to payment of money for buying and selling goods. It mainly deals with the transfer of money between buyers, depositaries and sellers. According to this method, a deposit is deposited in a deposit account at a deposit institution, and it is recognized that the deposit has been made by opening a separate deposit account, and the deposit account can be used again by the same person. In addition, the buyer directly notifies the seller of the PIN code from the buyer, and the seller confirms the payment by notifying the seller PIN to the depository, or prevents illegal withdrawal by changing the seller PIN. When the seller is not confirmed, the buyer can give a refund by notifying the depository of the buyer's password. However, in this method, the buyer's PIN and the seller's PIN must be remembered, and the seller's PIN and the buyer's PIN must be used depending on the processing situation.

[0004]

The seller does not pay the price even though the seller has delivered the product, or the seller does not receive the product despite the buyer has paid the price, or Even if the buyer wants to return the product, the seller has refused and has not refunded the money paid. In particular, in the case of buying and selling with a card, if the card itself is stolen or the password entered by the buyer is stolen, there is a very high possibility that the card is easily impersonated and misused by another person.

[0005] As a countermeasure, there are cases where the buyer pays a part of the price and then the goods are delivered, or after the part of the goods is delivered, the price is paid. The trouble has not been resolved.

As described above, while both buyers and sellers place the highest priority on protection of the price and protection of the goods, in order to carry out the sales of goods between them in a mutually advantageous manner, the buyer and the seller must There is a need to enter and control and a system is desired. In particular, when buying and selling goods using the Internet, sellers and buyers are often located far away from each other, and this cannot be achieved without the intervening of deposit and saving receiving institutions, logistics agents, and market maker support institutions that are independent of sellers and buyers. .

[0007] Also, recently, news that causes incidents involving the purchase and sale of drugs and drugs for assisting suicide, etc., has been reported on the Internet and has become a social problem, and it has been necessary to prevent illegal transactions. I'm falling.
In response to this, it is desired that the market maker support system of the present invention, which includes a logistics company and a market maker support organization, cope.

[0008]

The merchandise transaction between the seller 101 and the buyer 105 using the Internet is carried out between the seller 101 and the buyer 105 so that the transaction between the seller 101 and the buyer 105 is performed smoothly and without any trouble. In the transaction business of instructing and managing payment and product delivery, information acquisition / check means 110 for acquiring the product information desired by the buyer 105 and determining whether or not the product can be sold in a conventional manner. And buyer information input means 120 for inputting information such as a delivery destination and a refund destination of the buyer 105 on the Internet screen, and inputting information such as a delivery source and a payment destination of the seller 101 on the Internet screen. Seller information input means 130 and information registration updating means 1 for storing information from buyers 105 and sellers 101
40, a cost calculation unit 150 for calculating an escrow fee or the like for a product required for purchase, and a buyer 1
Depositing means 160 for depositing money into the account of the deposit and savings receiving organization 102 designated by 05, matching between the account and amount paid by the buyer 105 and the account and amount presented to the buyer 105 match. Means 170, a goods delivery means 180 for the distribution company 104 to deliver the goods, and an acceptance means 1 for confirming that the buyer 105 has received the goods.
90, an acceptance confirmation means 200 for receiving and processing the completion of the acceptance from the acceptance means 190 of the buyer 105 and a completion of the delivery of the goods delivery means 180 of the distributor 104, and various fees are deducted from the savings account deposited by the buyer 105. The payment means 210 is divided and paid to the account of the market maker support organization 103, the deposit / saving receiving organization 102, the logistics organization 104, and other payees, and also pays the price of the product to the account of the seller 101. Transaction history storage means 220 for storing the history of product transactions and the like
In order to facilitate commodity transactions between the seller 101 and the buyer 105 using the Internet and to prevent fraudulent transactions, in addition to the seller 101 and the buyer 105, the market maker support organization 103 and the deposit and deposit receiving organization 1
02 and the logistics agent 104, and when the buyer 105 deposits in the designated account, for each merchandise transaction, the only designated account common to the seller 101 and the buyer 105 is used. In the account used for trading each product by using the account number, the money once deposited by the buyer 105 is not delivered even after a certain period of time. Unless it is determined that the buyer 105 has returned the delivered goods, the money is retained and the goods are delivered to the buyer 105 by the distributor 101 from the seller 101 to the seller 101 and the buyer 105. When the distributor 104 picks up the seller 101, the seller 101
5 do not provide information such as address and name, and
04 does not inform the buyer 105 of information such as the address and name of the seller 101 at the time of delivery to the buyer 105, keeps each other's information secret, enables the delivery of goods, and
Is received by the deposit / deposit receiving organization 102, and the market maker support organization 103 receives a confirmation notification as a result from the deposit / deposit receiving organization 102, and the distribution company 1
When the market maker support organization 103 confirms the completion of the delivery of the logistics agent 104 and the acceptance of the buyer 105 by the completion of the commodity delivery by the service provider 04, the deposit / deposit receiving organization 102 changes the deposit / saving account receiving organization 102 from the deposit / saving account to the account of the seller 101 by the instruction of the market maker support organization 103. In the case where the payment is made and the buyer 105 deposits the specified account into the seller 101 account, the seller 101 account may be an account in the name of the principal who is not directly involved in the escrow business and is normally used. In the case where the price paid by the buyer 105 is returned to the buyer 105 due to some obstacle, the account of the buyer 105 may be an account in the name of the principal who is not directly related to the escrow business and is normally used. If the goods delivered to you are different or damaged,
5 can notify that the product has been returned, and the buyer 105
Returns all or part of the delivered product, or confirms that the product has not been delivered for a certain period of time,
The money received by 5 is refundable for all or part of the returned goods minus the escrow fee, and the goods sold by the seller 101 are offensive to public order and morals, or are dangerous goods in accordance with society, or In the case of a buyer 105 or a seller 101 that may cause a problem, the merchandise transaction is immediately rejected or the market maker support organization 1
03 can call attention to both the seller 101 and the buyer 105, and the seller 101 who is the party who conducts the transaction.
And the buyer 105 is notified by e-mail that the homepage of the market maker support organization 103 is to be viewed, and the information output to the seller 101 and the buyer 105, the input of information from the seller 101 and the buyer 105, and the instruction and status The selection is made on the homepage of the high-security market maker support organization 103. In the cost calculation means, when the buyer 105 bears the commission, it is added to the payment of the buyer 105, and when the seller 101 bears the commission, It is offset by the payment price of the seller 101, has a status display function of notifying the seller 101 and the buyer 105 of the current transaction status, the seller information input means 130 for inputting information of the seller 101, and the buyer 10
If the buyer information input means 120 for inputting the information of No. 5 confirms that there has been no information input within a certain period, it is assumed that the merchandise transaction has been automatically canceled, and the deposit and deposit reception designated by the buyer 105 is performed. If the depositing means for depositing the account of the institution 102 confirms that there has been no deposit for a certain period of time, it is assumed that the merchandise transaction has been automatically canceled, and the logistics company 104 determines that the merchandise delivery means delivers the merchandise. If it is confirmed that the delivery has not been made within a certain period, the merchandise transaction is automatically deemed to have been canceled, and the buyer 105 confirms that the delivered product has been received. If there is no inspection or return to the buyer,
5 and a response has not been received for a certain period of time, it is automatically assumed that the buyer 105 has performed an acceptance operation, and the seller 101 receives the returned product, and there is no return inspection for a certain period. If it is confirmed that the product has been returned, it is considered that the return inspection has been automatically performed.

[0009]

FIG. 1 shows an embodiment of the present invention. The configuration of the present invention includes an information acquisition / checking unit 110, a buyer information inputting unit 120, a seller information inputting unit 130, an information registration updating unit 140, a cost calculating unit 150, a depositing unit 160, and a matching unit 170.
, Product delivery means 180, acceptance means 190, acceptance confirmation means 200, payment means 210, and transaction history storage means 220. Here, the cost calculation means 150
As shown in FIG. 2, a cost determination unit 151 for calculating the cost and a fee bearer processing unit 152 for determining whether the fee is borne by the buyer 105 or the seller 101 and calculating the cost. It is configured.

FIG. 3 shows a market maker support organization 103.
The relationship between the seller 101, the buyer 105, the deposit / accepting institution 102, and the distributor 104 is shown.
As is clear from the figure, the market maker support organization 1
Numeral 03 denotes information input ((1) (3)) and notification ((2) (4)) from the seller 101 and the buyer 105, and the deposit / saving receiving institution 1
02 and the distributor 104 ((5) (7)) and status confirmation ((6) (8)). The exchange between the buyer 105 or the seller 101 and the market maker support organization 103 is made on the Internet homepage ((1) (3)) and e-mail ((2) (4)). When the information of the buyer 105 or the seller 101 is input on the homepage, the necessary information may be omitted if the input is replaced by e-mail or the like, or if the input order is different, the market maker support organization. It is necessary for the 103 to judge it one by one, which has the effect of avoiding any effort and preventing eavesdropping and tampering. Payment between the buyer 105 and the deposit / deposit accepting organization 102 ((9))
And refund in case of cancellation of returned goods or deposit ((10))
Indicates that Savings receiving organization 102 and seller 10
Between 1 and 1, the buyer 105 confirms that the buyer 105 has received the delivered goods, and upon the completion of the delivery by the logistics company 104, the seller 1
Payment is made to the account No. 01 ((11)). The goods are delivered from the seller 101 to the buyer 105 by the distributor 104 contracted by the market maker support organization 103 ((12) (1
4)) Yes. In the unlikely event that a different item arrives or refuses to be received, a return will occur. The return may be different from the distributor 104 that delivered it. Also,
In the unlikely event that the buyer 105 is absent or unknown and cannot be delivered due to an unknown destination address or the like, a return will occur ((15) (13)).

[0011] In particular, the current situation is displayed on the homepage for the buyer 105. Thus, it is determined whether the transaction status is now, for example, whether payment has been completed and the delivery is waiting, or whether the transaction is being delivered. It is also useful for grasping an abnormal situation, for example, when the product has not been received but has already been delivered because it has been left in a neighbor's house or given to a third party.

Next, the operation of the present invention will be described in detail with reference to FIGS. First, when a product to be purchased is determined on the homepage of a market maker that conducts product transactions, and escrow processing is selected, first, information on the seller 101 and the buyer 105, the identification number of the product, and the like at that time are obtained. Next, the seller 101 and the buyer 105
Verify the availability of. In other words, users listed in the blacklist cannot receive this service. In addition, information is collected and checked to see if the selling price is within the specified range and whether the sold product does not violate public order and morals.
This is performed by the checking means 110. If a violation is found, the transaction is stopped or the seller 101 and the buyer 105 are contacted by the market maker support organization 103 to alert the user.

In the information registration / updating means 140, first, when the buyer 105 and the seller 101 are using for the first time, the market maker support organization 103 and the deposit / deposit receiving organization 102 present contract terms and conditions to both, and request consent ((( 2) (4), the numbers enclosed by () correspond to the respective numbers in FIG. 3). Unless the buyer 105 and the seller 101 confirm the consent, the transaction of the product is not started.
Next, in order to receive this service, both the buyer 105 and the seller 101 must be members of the service. Thus, the buyer information input means 120 inputs information such as a delivery address, a telephone number, and a refund account number ((1)). On the other hand, the seller information input means 130 inputs information such as the address of the seller 101 and the account number of the payment destination ((3)). However, information acquisition / checking means 1
In step 10, information that can be obtained from a market maker is used as it is to realize seamlessness. Here, in the seller information input means 130, the buyer 10
If the input of No. 5 is completed and the market maker support organization 103 confirms that there is no information input for a certain period from the time when the seller 101 is notified by e-mail, it is regarded that the commodity transaction has been automatically canceled.

The information received from the buyer information input means 120 is stored in the database by the information registration / update means 140. At this time, a black account check, age requirement check, and the like are performed. The information received from the seller information input means 130 is stored in the database by the information registration updating means 140. At this time, a black account check, age requirement check, and the like are performed.

As shown in FIG. 2, the cost calculating means 150 includes a cost determining means 151 and a fee payer processing means 152.
It is composed of The cost determining means 151 adds the escrow fee (distribution cost + deposit and deposit receiving agency fee +
The amount to which the market maker support institution fee is added is calculated. The fee bearer processing unit 152 subtracts each fee from the cost determined by the cost determination unit 151 only when there is a burden on the seller 101 because the fee depends on the burden on the buyer 105 or the burden on the seller 101. Finally, the cost borne by the buyer 105 is determined. For example, when the seller 101 bears only the distribution cost, only the distribution cost is reduced by the fee payer processing unit 152. The determined cost is the market maker support organization 103
, The buyer 105 is notified in advance of an e-mail notifying that he / she wants to view the home page ((2)). The homepage displays the document of the transfer request, the transfer amount, and the designated account ((2)).

[0016] The buyer 105 deposits the designated account presented on the homepage of the market maker support organization 103 by the depositing means 160. The buyer 105 pays A
The money goes to the TM and the deposit / acceptance institution 102 and is paid. Internet banking is also available ((9)). The deposited information is notified from the deposit / saving receiving organization 102 to the market maker support organization 103 ((6)). However, if the depositing means 160 confirms that there has been no payment within a certain period, it is assumed that the commodity transaction has been automatically canceled.

The market maker support organization 103 receives a notification of the account number of the designated account received from the buyer 105 and the amount of money deposited in the account from the deposit / deposit accepting organization 102, and outputs the designated account number output on the homepage. The received money is compared by the matching means 170 and it is checked that they match. When it is determined that the result is correct, a notice of payment completion is sent to the seller 101 ((4)). Notifications are sent by email. Further, it instructs the distributor 104 to pick up the cargo ((7)). As a result of the comparison, if it is determined that there is no match, the buyer 105 is refunded after deducting a refund transfer fee, and the transaction is stopped.

The distribution company 104 receiving the collection instruction receives the goods from the seller 101 and delivers the goods to the buyer 105 ((12) and (14)). However, if the commodity delivery means 180 confirms that there has been no delivery for a certain period, it is regarded that the commodity transaction has been automatically canceled. Alternatively, in some cases, the determination is made within the scope of the business of the distributor 104. When the delivery is normally completed to the buyer 105, the distributor 104 notifies the market maker support organization 103 of a delivery completion notification ((8)). In the part where the distributor 104 is involved, it is linked with a tracking function for knowing the state.

If the buyer 105 receives and receives the goods from the distributor 104, the acceptance means 190 sends an acceptance notice to the market maker support organization 103 ((1)). However, if the acceptance means 190 confirms that there has been no acceptance or return for a certain period of time, or if the buyer 105 is notified of the confirmation and no response has been received for a certain period, the buyer 105 It is deemed to have performed the act.

The market maker support organization 103 checks the acceptance notice received from the buyer 105 and the delivery completion notice from the distribution company 104 by the acceptance confirmation means 200, and issues a payment instruction to the deposit receiving organization 102 ((5)). ). Further, the acceptance confirmation is notified to the seller 101 ((4)), and the seller 101 confirms the expected payment date and payment contents.

The deposit / acceptance institution 102 has the payment means 21
0, various commissions are deducted from the price of the deposit / saving account deposited by the buyer 105, and the commissions are allocated in advance to the market maker support institution 10.
3 and the transfer of funds to the accounts of the deposit / deposit receiving institution 102 and the logistics company 104, as well as the transfer of funds for the product to the account number designated by the seller 101 ((1
1)). The deposit receiving organization 102 receives a notification of the transfer result (normal) from the deposit receiving organization 102 to the market maker support organization 103 ((6)). If the transfer is normal, the escrow process in the commodity transaction is terminated. In the case of an abnormality, a response is made based on the reason code of the abnormality.

In the series of processing, for example, when an abnormality occurs, the transaction history storage unit 220 performs processing in the middle of the above processing in order to check to what extent the business processing has normally been performed. History is stored in the database.

Next, the return processing will be described. FIG.
Shows the flow of the return process. Distributor 10
If the item delivered from 4 is different from the one desired or damaged, it will be treated as a return. Also,
If the buyer 105 is unknown, or if the buyer 105 has been absent for a certain period of time, the logistics company 1 that has delivered as a return product
04 is returned to the seller 101 ((15) (16)).
At this time, the returned goods may be returned by another distributor who receives the escrow service. First, the buyer 105 uses the return means 410 to notify the distributor of the return or to click on the return button on the homepage of the market maker support organization 103 ((1)). The market maker support organization 103 confirms that the return has occurred by the return confirmation means 420, and notifies the seller 101 of the occurrence of the return by e-mail. Thereafter, the buyer 105 notifies the market maker support organization 103 of the name of the distributor and the arrangement number of the trader who has returned the goods, and confirms the returned goods with the returned goods confirmation means ((4)). The market maker support organization 103 e-mails the seller 101 a return completion notification. After confirming the returned goods, the seller 101 checks the returned goods
0 informs the market maker support organization 103 that the product has been returned ((3)). However, if the return inspection means 430 confirms that the return inspection has not been performed for a certain period, it is regarded that the return inspection has been automatically performed. The market maker support organization 103
Upon recognizing that the returned goods from No. 1 has been normally confirmed by the returned goods receipt confirmation means 440, the refund instruction is notified to the deposit / deposit receiving organization 102 ((5)). The deposit / saving receiving institution 102 returns the amount obtained by subtracting the escrow fee from the price paid by the buyer 105 by the refund means 450 from the deposit / saving account to the refund account designated by the buyer 105 ((10)).

Next, the seller 1 which is one of the features of the present invention.
01 and measures to prevent the buyer 105 from leaking unnecessary information will be described. Conventionally, when goods are transported by a logistics company, a slip containing the address, name, and telephone number of the sender and delivery destination is attached to the goods to be transported, and the logistics company delivers it to the specified delivery destination written there is the current situation.
However, the logistics company 104 knows the address and name (company name) of the delivery destination (buyer 105) for the sender (seller 101) and the address and name (company name) of the sender (seller 101) for the delivery destination (buyer 105). Just do
The seller 101 and the buyer 105 do not need to know.

Therefore, the market maker support organization 103 having information of both the seller 101 and the buyer 105
Is the seller 101 and the buyer 105 to the distributor 104
The seller 101 hides the information of the buyer 105 when the goods are collected, so that the information reaches the market maker support organization 103 from the seller 101, and the buyer 105
For example, a delivery slip that hides the information of the seller 101 at the time of delivery of the product and appears to have arrived at the buyer 105 from the market maker support organization 103 is used. This allows the seller 10
Unnecessary outflow of information between 1 and the buyer 105 is eliminated by the intervention of the market maker support organization 103, and confidentiality is maintained.

Further, since the distribution slip is issued by the distribution company 104, the labor of the seller 101 for making the delivery slip is omitted, and there is an advantage that erroneous delivery or return due to a mistake in writing the address or name does not occur.

Next, an example using the present invention will be described with reference to an auction and an electronic shop. FIG. 5 shows an example used in an auction. The seller 101 inputs a successful bid condition to the auction 620 operated by the market maker 602 by using a successful bid condition input 610. The buyer 105 inputs a desired purchase price for the auction. The market maker 602 informs the buyer 105 of the highest price of the desired price submitted by the buyer 105 in the successful bid result announcement 640. The buyer 105 confirms the successful bid result with the successful bid result confirmation 650. Buyer 105
When an escrow is selected on the screen of the announcement of the successful bid result 640, the escrow service 680 that performs the processing of the present invention notifies the escrow service 680 of the product information and the information of the buyer 105 and the seller 101 by information delivery 670, and the escrow service 68 described above.
0 starts. Escrow service 680 here
Shows the processing of the present invention shown in FIG.

On the other hand, in the example of the electronic shop, as shown in FIG. 6, the seller 101 sets products and prices on the electronic shop screen 720 operated by the market maker 702 by inputting product information 710. The buyer 105 selects a desired product from the electronic shop screen 720 by a purchased product selection 730.
When the buyer 105 completes the selection of the commodity and enters the stage of the purchase procedure, and the buyer 105 selects the escrow, the escrow service 680 supplies the commodity information and the buyer 10 to the escrow service 680.
5 and the information of the seller 101 are notified by the information delivery 770,
The escrow service 680 described above is started.

Next, a second embodiment of the present invention will be described in detail with reference to FIG. FIG. 1 shows the buyer 105
FIG. 7 shows an example of depositing necessary expenses (commodity price + distribution cost + various commissions, etc.) into a designated account of the deposit / deposit accepting organization 102 presented by the market maker support organization 103. FIG. Reference numeral 102 denotes a method of directly debiting the account designated by the buyer 105 using the depositing means 161 and depositing the same into the savings account. This method
This is more convenient because the buyer 105 does not have to go to and deposit at the deposit / deposit receiving organization 103 each time. After the deposit / deposit receiving organization 102 executes the depositing means 161, the same processing as in FIG. 1 is performed.

[0030]

By performing the above processing, the seller 1
01 and the buyer 105 can be enhanced in reliability, and merchandise transactions can be executed safely and efficiently. That is, as a first effect, the market maker support organization 103 intervenes between the seller 101 and the buyer 105, and the above-described market maker support system operates smoothly, so that transactions between each other are performed smoothly and It is possible to avoid troubles such as unpaid payment or no delivery of the product, and also has the merit that the money received by the buyer 105 when the product is returned is not carelessly passed to the seller 101 and can be collected.

As a second effect, the seller 101 can be assured that the received price is the amount required for the commodity transaction, and the buyer 105 does not refund without permission, so that the seller 101 can feel secure. The merchandise can be delivered and the required price can be collected.

As a third effect, when the buyer 105 and the seller 101 do not take any action during a certain period during the transaction of the commodity, the system continues the processing based on the contents of the contract, Does not cause the processing to stop.

As a fourth effect, as for money, since the deposit / deposit receiving organization 102 intervenes, the seller only has to confirm that the product price has been stored in the deposit / deposit receiving organization 102 and then send out the product. Unpaid risks are avoided. On the other hand, for the buyer, the risk that the product will not be delivered or the product will not be delivered as desired is avoided because the deposit / deposit receiving organization 102 keeps the funds as its own debt until the completion of the inspection of the product is confirmed. .

As a fifth effect, regarding logistics, the distribution company 10 contracted with the market maker support organization 103
Since item 4 is hit, merchandise transactions are not abused in inspection of articles during face-to-face pickup.

A sixth effect is that the seller 101 does not know the information of the buyer 105 and the buyer 105 does not know the information of the seller 101 when the goods are collected and delivered, so that the mutual information on the spot is kept secret. You. This has the effect of preventing leakage of unnecessary information.

As described above, the market maker support organization 1
03. The clarification of the responsibilities between the deposit and deposit receiving organization 102 and the logistics company 104 enables long-term operation with peace of mind.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration and a flow of the configuration according to a first embodiment of the present invention.

FIG. 2 is a flowchart showing the operation showing the contents of the cost calculation means of the present invention.

FIG. 3 is a configuration diagram showing a relationship indicating a configuration of the first exemplary embodiment of the present invention.

FIG. 4 is a diagram showing a configuration of the first embodiment of the present invention, showing a process in the case of returned goods, and a flow of the process.

FIG. 5 is a diagram illustrating an application example in an auction showing an operation of the first exemplary embodiment of the present invention.

FIG. 6 is a diagram showing an application example in an electronic shop showing the operation of the first exemplary embodiment of the present invention.

FIG. 7 is a diagram showing a configuration and a flow of the configuration according to a second embodiment of the present invention.

[Explanation of symbols]

 101 Seller 102 Deposit and Saving Receiving Institution 103 Market Maker Supporting Agency 104 Logistics Agent 105 Buyer 110 Information Acquisition and Checking Unit 120 Buyer Information Input Unit 130 Seller Information Input Unit 140 Information Registration Update Unit 150 Cost Calculation Unit 151 Cost Determination Unit 152 Commissioner Processing Means 160 Receiving means 161 Receiving means 170 Matching means 180 Commodity delivery means 190 Inspection means 200 Inspection confirmation means 210 Payment means 220 Transaction history storage means 410 Returns means 420 Return returns confirmation means 430 Returns inspection means 440 Returns inspection confirmation means 450 Refund means 602 Market Maker 610 Enter successful bid condition 620 Auction 630 Enter desired price 640 Announce successful bid result 650 Confirm successful bid result 670 Deliver information 680 Escrow service 70 Market maker 710 product information input 720 e-shop screen 730 purchase merchandise selection 770 information delivery

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 418 G06F 17/60 418 (72) Inventor Katsushi Takami 1-1-1, Otemachi, Chiyoda-ku, Tokyo Daiwa Matsuo, the inventor of Sanwa Bank, Ltd. (72) 1-1-1, Otemachi, Chiyoda-ku, Tokyo, Japan Inventor Tsuneo Endo, 1-41-1, Mita, Minato-ku, Tokyo, Japan (72) Inventor Makoto Sawada 1-4-2, Mita, Minato-ku, Tokyo NEC Information Service Co., Ltd. F-term (reference) 5B049 BB07 BB11 BB31 BB46 CC05 CC08 CC21 CC36 DD01 EE01 FF03 FF04 GG04 GG07 5B055 BB20 CB09 CC05 CC10 CC11 EE02 EE21 EE27 FA01 FA04 FB03 JJ05 PA02 PA34

Claims (19)

[Claims] Claims 1. To facilitate the transaction of goods between a seller and a buyer using the Internet, and to stand between the seller and the buyer in order to prevent fraudulent transactions, to make payments and delivery of goods to a deposit savings receiving organization and a logistics company. Acquisition and checking means for acquiring the product information desired by the buyer and determining whether or not the product can be sold in a conventional manner in the transaction business that provides instructions and management, and the buyer's delivery destination and refund destination, etc. Information input means for inputting information on the Internet screen, seller information input means for inputting information such as the seller's delivery source and payment destination on the Internet screen, and information from buyers and sellers Means for registering and updating information, cost calculating means for calculating an escrow fee or the like for a product required for purchase, and Depositing means for depositing money into the account of the institution, matching means for confirming that the account and amount etc. paid by the buyer match the account and amount presented to the buyer, and Means of delivery of goods to be carried out, acceptance means for confirming that the buyer has received the goods, acceptance confirmation means for receiving and processing the completion of acceptance from the means of acceptance of the buyer and completion of delivery of the goods delivery means of the distributor, and payment by the buyer. Various fees are deducted from the deposit and savings account that has been paid and divided, and paid to the account of the market maker support organization, deposit and deposit receiving organization, logistics organization and other payees, and payment means for paying the price of the product to the seller's account, And a transaction history storage means for storing a history of a series of commodity transactions in the market maker support system. 2. In order to facilitate product transactions between sellers and buyers using the Internet and to prevent fraudulent transactions, in addition to sellers and buyers, include a market maker support organization, a deposit and savings acceptance organization, and a distribution company. A market maker support system characterized by the following. 3. In a case where a buyer deposits money into a designated account, for each commodity transaction, a single designated account common to the seller and the buyer is used, and the commodity is designated using the account number. The market maker support system according to claim 1, wherein the transaction is performed. 4. In an account used for one-time merchandise transaction, the money once deposited by the buyer is used when the goods are not delivered even after a certain period of time, or when the buyer receives the delivered goods. 4. The market maker support system according to claim 3, wherein the money is retained as long as the returned goods are not found. 5. In a case where goods are delivered from a seller to a buyer by a logistics company, information such as the address and name of the buyer is given to the seller when the logistics company picks up the goods at the seller. 2. The method according to claim 1, wherein when the logistics company delivers to the buyer, the distributor does not inform the buyer of information such as the address and name of the seller, keeps the information secret from each other, and enables the delivery of the goods. Market maker support system described in 1. 6. The deposit from the buyer is confirmed by the deposit and savings receiving organization, the market maker support organization receives the resulting confirmation notification from the deposit and savings receiving organization, and completes the delivery of goods by the logistics company and the market maker supporting organization completes the distribution. 2. The market maker support system according to claim 1, wherein when the delivery completion of the trader and the acceptance of the buyer are confirmed, the deposit / saving receiving organization pays the price from the deposit / saving account to the seller's account according to an instruction of the market maker support organization. 7. When the buyer pays the specified account to the seller's account, the seller's account may be an account in the name of the principal who is not directly involved in the escrow business and is normally used. The market maker support system according to claim 1, wherein: 8. In the case where the price paid by the buyer is returned to the buyer due to any obstacle, the account of the buyer may be an account in the name of the principal who is not directly involved in the escrow business and is normally used. The market maker support system according to claim 1, wherein 9. The market maker support system according to claim 1, wherein when the goods delivered to the buyer are different or damaged, the buyer can notify that the goods have been returned. 10. When the buyer returns all or a part of the delivered goods, or if it is confirmed that the goods have not been delivered for a certain period of time, the money deposited by the buyer is all or one of the goods deducted from the escrow fee. 2. The market maker support system according to claim 1, wherein an amount equivalent to a part return is refunded. 11. If the merchandise that the seller intends to sell is offensive to public order and morals, is a dangerous product according to social norms, or is a buyer or seller who may cause a problem, etc. A market maker support system characterized in that the market maker support organization can immediately reject or alert both the seller and the buyer. 12. A seller and a buyer, who are the parties to the transaction, are notified by e-mail that they will visit the homepage of the market maker support organization, and output information to the seller and the buyer and output information from the seller and the buyer. A market maker support system characterized in that inputs, instructions and selection of states are performed on a homepage of a market maker support organization with high security. 13. A market maker, characterized in that in the cost calculation means, the commission is added to the buyer's payment when the buyer bears the fee, and is offset by the seller's payment when the seller bears the fee. Support system. 14. A market maker support system having a status display function for notifying sellers and buyers of the current transaction status. 15. When the seller information inputting means for inputting information of the seller and the buyer information inputting means for inputting information of the buyer confirm that no information has been input for a certain period, the information is automatically set. 2. The market maker support system according to claim 1, wherein the merchandise transaction is regarded as canceled. 16. In the depositing means for depositing into the account of the deposit and savings receiving organization designated by the buyer, if it is confirmed that there has been no payment for a certain period, it is regarded that the merchandise transaction is automatically canceled. The market maker support system according to claim 1, wherein 17. A merchandise delivery means for delivering a merchandise, wherein if it is confirmed that the merchandise has not been delivered for a predetermined period, the merchandise transaction is automatically regarded as canceled. 2. The market maker support system according to 1. 18. In the acceptance means for confirming that the buyer has received the delivered goods, if the buyer has confirmed that there has been no inspection or return for a certain period of time, the buyer will be notified of the confirmation and returned a response for a certain period of time. The market maker support system according to claim 1, wherein the system automatically considers that the buyer has performed an acceptance operation for the item that did not exist. 19. The method according to claim 1, wherein when the seller receives the returned product and confirms that there has been no return inspection within a certain period, it is considered that the return inspection has been automatically performed. Market maker support system.