JP2003123017A - Transaction information management system, transaction information processor, reception agent method, program and recording medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system or the like capable of easily executing a reception agent processing in an electronic commercial transaction by using an existing financial institution system such as a postal savings system. SOLUTION: This system is constituted by communicably connecting a server device 100 of a reception agent processing information regarding a transaction, a client device 200 of at least one of a seller and a buyer performing the transaction and the financial institution system 400 of a financial institution provided with accounts that the seller, the buyer and the reception agent, etc., contracted, through a network 300.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction information management system, a transaction information processing device, a storage agent method, a program,
The present invention also relates to a recording medium, and more particularly, to a transaction information management system using a postal savings system, a transaction information processing device, a storage agent method, a program, and a recording medium.

[0002]

2. Description of the Related Art Banks and other financial institutions are developing an inter-account transfer service and an automatic debit service using the Internet in the background of the recent promotion of IT technology and financial liberalization in Japan.

[0003]

However, in the existing postal savings system, transfer between postal savings accounts and automatic withdrawal from postal savings accounts cannot be performed using the Internet, which is a fundamental problem in the system structure. Had. Hereinafter, the content of this problem will be described more specifically.

In Japan, SMEs and individuals often create postal savings accounts at local post offices, but in the current postal savings system, transfer between postal savings accounts and automatic withdrawal from postal savings accounts use the Internet. Therefore, it was difficult to use it for electronic commerce. Therefore, there is a problem that a person who has a postal savings account needs to temporarily transfer the funds to an account of another financial institution such as a bank, which is troublesome and expensive.

[0005] In particular, at the present time when electronic commerce using the Internet has progressed, electronic commerce (EDI) combined with network services such as an escrow service that guarantees transaction security is becoming essential, but in the past, a postal savings account was used. Therefore, it is difficult to receive the storage agent processing in the electronic commerce including these services by a simple method.

As described above, the conventional system has a number of problems, and as a result, it is inconvenient for both the user of the postal savings account and the administrator of the network service, and the utilization efficiency is low. Was bad.

The problems to be solved by the conventional techniques and inventions described so far are not limited to the system for performing electronic commerce and escrow service using the postal savings system on the Internet, but using the conventional financial institution system. The same can be applied to all systems that perform storage agency processing in electronic commerce.

The present invention has been made in view of the above-mentioned problems, and a transaction information management system and a transaction that can easily execute a payment agency process in electronic commerce using an existing financial institution system such as a postal savings system. An object is to provide an information processing device, a storage agent method, a program, and a recording medium.

[0009]

In order to achieve such an object, the transaction information management system according to claim 1 conducts the transaction with a transaction information processing device of a storage agent that processes information relating to the transaction. A transaction information management system configured by connecting at least one of an information terminal device of a seller or a buyer and a financial institution system of a financial institution so as to be communicable via a network, wherein the transaction information processing device comprises: A request to receive from the information terminal device of the seller bill request information for the buyer and bill request information for requesting the receipt agent to store the bill statement information for the buyer A bill information receiving means, and stores the bill detailed information and the bill storage request information received by the bill information receiving means. Invoice information storing means, invoice information providing means for providing the invoice detailed information requested in the invoice storing request information to the buyer, and the invoice detailed information from the information terminal device of the buyer Approval information receiving means for receiving approval information for the bank account transfer request information for requesting to transfer the bill statement information received by the approval information receiving means to the storage agent's account. To the account transfer request means to be transmitted to the above, in accordance with the account deposit information received by the account deposit information receiving means for receiving the account deposit information of the storage agent from the financial institution system, The seller transfer request means for sending the seller transfer request information for requesting the transfer to the seller's account to the financial institution system. And it said that there were pictures.

[0010] According to this system, the transaction information processing apparatus requests the receipt agent to request the receipt agent to store the invoice statement information regarding the invoice statement for the buyer and the invoice statement information for the buyer. Information is received from the seller's information terminal device, the received invoice detail information and invoice request information are stored, the requested invoice detail information is provided to the buyer, and the invoice detail information is sent from the buyer's information terminal device. The approval information for the information is received, and the account transfer request information for requesting the transfer of the received bill statement information to the deposit agent's account is sent to the financial institution system, and the financial institution system sends The seller transfer request information for receiving the deposit information and requesting transfer to the seller's account according to the received deposit information Since transmitted to financial institution system, it is possible to execute the receipt agent process by effectively utilizing the existing financial system.

The transaction information management system according to claim 2 is the transaction information management system according to claim 1, wherein the transaction information processing device executes an escrow service for the product sold by the seller to the buyer. It is characterized by further comprising escrow means for performing.

According to this system, the transaction information processing device executes the escrow service for the product sold by the seller to the buyer, so that it is possible to easily provide the service in which the storage agent processing and the escrow service are combined. become.

A transaction information management system according to a third aspect is the transaction information management system according to the first or second aspect, wherein the financial institution system is a postal savings system.

This shows one example of the financial institution system more specifically. According to this system, the financial institution system is a postal savings system, so you can check the payment details data for business-to-business transactions on the web, and make transfer settlements from postal savings accounts to postal savings accounts and automatic withdrawals from postal savings accounts. You will be able to do it on the Internet. In addition, since payment processing, which is currently performed on a paper basis at the postal savings window, can now be carried out on the web, financial EDI using the current postal savings account can be realized.

Further, the present invention relates to a transaction information processing device, and the transaction information processing device according to claim 4 is an information terminal device of at least one of a seller and a buyer who conduct a transaction, and a financial institution of a financial institution. A transaction information processing device of a storage agent, which is configured to be communicatively connected to a system via a network, wherein billing statement information regarding billing details for the buyer and the billing for the buyer. Bill information receiving means for receiving bill storage request information for requesting the storage agent to store the bill description information from the information terminal device of the seller, and the bill received by the bill information receiving means. Invoice information storage means for storing detailed information and the bill storage request information, and the invoice detail requested by the bill storage request information Received by the invoice information providing means for providing information to the buyer, the approval information receiving means for receiving approval information for the invoice statement information from the information terminal device of the buyer, and the approval information receiving means. Account transfer requesting means for transmitting to the financial institution system account transfer request information for requesting transfer of the bill statement information to the storage agent account;
Account deposit information receiving means for receiving the account deposit information of the deposit agent from the financial institution system, and a seller for requesting transfer to the seller's account according to the account deposit information received by the account deposit information receiving means. A seller transfer requesting means for transmitting transfer request information to the financial institution system is provided.

According to this transaction information processing apparatus, the bill statement information relating to the bill statement for the buyer, and
Receives the bill storage request information for requesting the storage agent to store the bill detailed information for the buyer from the information terminal device of the seller, stores the received bill detailed information and the bill storage request information, and is requested. For providing the buyer with the detailed billing information, receiving the approval information for the billing detailed information from the buyer's information terminal device, and requesting the transfer of the received billing detailed information to the receiving agent's account. Send the account transfer request information to the financial institution system, receive the deposit agent's account deposit information from the financial institution system, and send the seller transfer request information for requesting the transfer to the seller's account according to the received account deposit information. Since it is sent to the financial institution system, it becomes possible to effectively use the existing financial system to execute the storage agent processing. .

Further, the transaction information processing device according to claim 5 is the transaction information processing device according to claim 4, wherein the transaction information processing device executes an escrow service for the product sold by the seller to the buyer. It is characterized by further comprising escrow means for performing.

According to this transaction information processing apparatus, since the seller executes the escrow service for the product sold to the buyer, it is possible to easily provide the service in which the storage agent processing and the escrow service are combined.

Further, a transaction information processing apparatus according to claim 6 is the transaction information processing apparatus according to claim 4 or 5, characterized in that the financial institution system is a postal savings system.

This shows one example of the financial institution system more specifically. According to this transaction information processing device,
Since the financial institution system is a postal savings system, you can check the payment statement data for business-to-business transactions on the web, and make payments from the postal savings account to the postal savings account and the automatic withdrawal from the postal savings account on the Internet. Become. In addition, since payment processing, which is currently performed on a paper basis at the postal savings window, can now be carried out on the web, financial EDI using the current postal savings account can be realized.

The present invention also relates to a storage agent method, and the storage agent method according to claim 7 is a transaction information processing device of a storage agent that processes information on transactions, and a seller or a buyer who conducts transactions. A transaction agent management method performed by using a transaction information management system configured to connect at least one information terminal device and a financial institution system of a financial institution so that they can communicate with each other via a network. The device, from the information terminal device of the seller, billing detail information relating to billing details for the buyer, and billing storage request information for requesting the storage agent to store the billing specification information for the buyer. A bill information receiving step for receiving,
A bill information storing step of storing the bill detailed information and the bill storage request information received in the bill information receiving step, and the bill detailed information requested in the bill storage request information to the buyer. Bill information information providing step, approval information receiving step of receiving approval information for the bill statement information from the information terminal device of the buyer, and the bill statement information received in the approval information receiving step. Account transfer request step for transmitting the account transfer request information to the above financial institution system for requesting the transfer of the data to the above described transfer agent's account, and receiving the deposit payment information of the above described transfer agent from the above financial institution system. According to the account deposit information receiving step and the account deposit information received in the above account deposit information receiving step. Characterized in that it comprises a cellar transfer request step of transmitting the seller transfer request information for requesting a transfer to the account of the seller financial institutions systems.

According to this storage agent method, in the transaction information processing apparatus, a request for requesting the storage agent to store the invoice statement information regarding the invoice statement for the buyer and the invoice statement information for the buyer. Receives the storage request information from the seller's information terminal device, stores the received invoice detail information and bill storage request information, provides the requested invoice detail information to the buyer, and bills from the buyer's information terminal device. Receives approval information for statement statement information, sends account transfer request information to the financial institution system for requesting that the received invoice statement information be transferred to the receiving agent's account, and the financial institution system receives the debit statement. Seller's transfer to receive the user's account deposit information and request a transfer to the seller's account according to the received account deposit information And transmits the Lai information to the financial institution system, it is possible to execute the receipt agent process by effectively utilizing the existing financial system.

The storage agent method according to claim 8 is
The storage agent method according to claim 7, wherein the transaction information processing apparatus further includes an escrow step of executing an escrow service for the product sold by the seller to the buyer.

According to this storage agency method, the escrow service for the product sold by the seller to the buyer is executed in the transaction information processing apparatus, so that a service in which the storage agency processing and the escrow service are combined can be easily provided. Like

Further, the storage agent method according to claim 9 is:
The storage agent method according to claim 7 or 8, wherein the financial institution system is a postal savings system.

This shows an example of the financial institution system more specifically. According to this payment agent method, the financial institution system is a postal savings system, so you can check the payment statement data for business-to-business transactions on the website, and settle the transfer from the postal savings account to the postal savings account or automatically deduct from the postal savings account. Will be possible on the Internet. In addition, since payment processing, which is currently performed on a paper basis at the postal savings window, can now be carried out on the web, financial EDI using the current postal savings account can be realized.

Further, the present invention relates to a program, and the program according to claim 10 is a network for an information terminal device of at least one of a seller or a buyer who conducts a transaction and a financial institution system of a financial institution. A program for causing a computer to execute a storage agent method executed by using a transaction information processing device of a storage agent, which is configured to be communicatively connected via a computer, and relates to a bill statement to the buyer. A bill information receiving step of receiving from the information terminal device of the seller bill information information and bill storage request information for requesting the storage agent to store the bill detailed information for the buyer; The bill detailed information and the bill storage request information received in the bill information receiving step are stored. Request information storage step, invoice information providing step of providing the invoice detailed information requested in the invoice storing request information to the buyer, and invoice information from the information terminal device of the buyer Approval information receiving step for receiving approval information for the above, and the bank transfer request information for requesting to transfer the invoice statement information received in the approval information receiving step to the account of the storage agent. According to the account deposit information receiving step of receiving the account deposit information of the deposit agent from the financial institution system, and the account deposit information received in the account deposit information receiving step. Send seller transfer request information to the financial institution system to request transfer to the seller's account Characterized in that it comprises a cellar transfer request step that.

[0028] According to this program, the seller's information terminal provides the bill detail information regarding the bill details for the buyer and the bill storage request information for requesting the storage agent to store the bill detailed information for the buyer. Received from the device, store the received bill detailed information and bill storage request information, provide the requested bill detailed information to the buyer, and receive approval information for the bill detailed information from the buyer's information terminal device. Then, the bank transfer request information for requesting the transfer of the received bill statement information to the deposit agent's account is transmitted to the financial institution system, and the deposit agent's account deposit information is received from the financial institution system. , The seller transfer request information for requesting transfer to the seller's account according to the received account deposit information is sent to the financial institution system. Because and transmitted, it is possible to execute the receipt agent process by effectively utilizing the existing financial system.

The program according to claim 11 is
The program according to claim 10, wherein the transaction information processing apparatus further includes an escrow step of executing an escrow service for the product sold by the seller to the buyer.

According to this program, since the seller executes the escrow service for the product sold to the buyer, it is possible to easily provide the service in which the storage agent processing and the escrow service are combined.

The program according to claim 12 is
The program according to claim 10 or 11, wherein the financial institution system is a postal savings system.

This more specifically shows one example of the financial institution system. According to this program, the financial institution system is a postal savings system, so you can check the payment statement data for business-to-business transactions on the web, and make transfer settlements from postal savings accounts to postal savings accounts and automatic withdrawals from postal savings accounts. You will be able to do it on the Internet. In addition, since payment processing, which is currently performed on a paper basis at the postal savings window, can now be carried out on the web, financial EDI using the current postal savings account can be realized.

The present invention also relates to a recording medium, and a recording medium according to a thirteenth aspect is the above tenth aspect.
It is characterized in that the program described in any one of 12 is recorded.

According to this recording medium, the computer can read the storage agent method according to any one of claims 10 to 12 by causing the computer to read and execute the program recorded in the recording medium. Can be realized, and the same effect as each of these methods can be obtained.

[0035]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of a transaction information management system, a transaction information processing apparatus, a storage agent method, a program, and a recording medium according to the present invention will be described in detail below with reference to the drawings. The present invention is not limited to this embodiment. In particular, in the following embodiments, an example in which the present invention is applied to a system for performing electronic commerce or escrow service using a postal savings system on the Internet will be described, but the present invention is not limited to this case, and a conventional financial institution system The same can be applied to all systems that perform storage agency processing in electronic commerce using.

(Outline of this system) An outline of this system will be described below, and then the configuration and processing of this system will be described in detail. FIG. 1 is a block diagram showing an example of the overall configuration of the present system, and conceptually shows only a portion related to the present invention in the system configuration. This system is generally a server device 1 which is a transaction information processing device of a storage agent that processes information related to transactions.
00, and a client device 200 that is an information terminal device of at least one of a seller and a buyer who conduct a transaction
And a financial institution system 400 of a financial institution that has an account with a seller, a buyer, a storage agent, etc., are communicatively connected via a network 300. It should be noted that these sellers and buyers are collectively referred to as “users” as necessary.

The system has the following basic features. That is, the server device 100 provides the client device 200, or the client device 200 provides the server device 100 with information regarding a transaction via the network 300.

Of these, the information on transactions is information on products, invoices, etc. that are traded between the seller and the buyer, and the server device 100 and the client device 20.
0, or generated by another device, the server device 10
Stored at 0. In addition, as the information regarding the transaction, for example, bill detail information regarding the bill details for the buyer, bill storage request information for requesting the storage agent to store the bill detail information for the buyer, and the like can be cited.

[0039] First, the server device 100 receives invoice detail information regarding invoice details for the buyer and invoice request request information for requesting the receipt agent to store the invoice detail information for the buyer. It is received from the device 200. Then, the server device 1
00 stores the received bill detailed information and bill storage request information. Then, the server apparatus 100 provides the buyer with the bill statement information requested by the bill storage request information.

When the server device 100 receives the approval information for the bill detail information from the buyer's client device 200, it sends the account transfer request information for requesting the transfer of the bill detail information to the storage agent's account. It transmits to the financial institution system 400. And
When the server device 100 receives the deposit payment information of the deposit agent from the financial institution system 400, the server device 100 transmits to the financial institution system 400 seller transfer request information for requesting transfer to the seller's account according to the account deposit information.

The server device 100 also executes an escrow service for the product sold by the seller to the buyer.

(System Configuration) The configuration of this system for embodying such basic features will be described below.

(System Configuration-Server Device 100) First, the configuration of the server device 100 will be described. Figure 2
FIG. 3 is a block diagram showing an example of a configuration of a server device 100 to which the present invention is applied, and conceptually shows only a portion related to the present invention in the configuration. In FIG. 2, the server device 100 is schematically connected to a control unit 102 such as a CPU that totally controls the entire server device 100, and a communication device (not shown) such as a router connected to a communication line or the like. Communication control interface unit 104, and storage unit 106 for storing various databases (customer company information database 106a to deposit information database 106e).
And each of these parts are communicatively connected via an arbitrary communication path. Further, the server device 100 is provided with a network 300 via a communication device such as a router and a wired or wireless communication line such as a dedicated line.
Is communicatively connected to.

Various databases (customer company information database 106a to deposit information database 106e) stored in the storage unit 106 are storage means such as a fixed disk device, and various programs and tables used for various processes and website provision. And files, databases, files for web pages, etc. are stored.

Of the respective constituent elements of the storage unit 106,
The customer company information database 106a is a customer company information storage unit that stores information (customer company information) about the customer company of the system that is a seller or a buyer.
FIG. 34 is a diagram showing an example of customer company information stored in the customer company information database 106a.

The information stored in the customer company information database 106a is, as shown in FIG. 34, a customer company ID for uniquely identifying each customer company and whether or not each customer company is a legitimate person. Password for authentication, name of each customer company, affiliation ID for uniquely identifying the affiliation (department) to which the person in charge of each customer company belongs, e-mail address of person in charge of each customer company, and contract The financial account numbers of financial institutions are associated with each other.

In addition, the bill information database 106b
Is a bill information storage unit that stores bill detailed information relating to the bill detailed to the buyer and bill storage request information for requesting the storage agent to store the bill detailed information to the buyer. FIG. 35 is a diagram showing an example of information stored in the bill information database 106b.

The information stored in the bill information database 106b is, as shown in FIG. 35, a customer company name, a bill number, a bill issuance date, a bill title, a bill amount,
Payment deadline date, billing storage request information (information on whether or not confirmation of invoice details) that the seller requests the storage agent to store, information that the buyer confirms that they agree to the bill, and payment approval information that approves the payment. And the like are associated with each other.

Further, the order information database 106c is
It is an order information storage means for storing order information and the like regarding products ordered by the seller. FIG. 36 is a diagram showing an example of information stored in the order information database 106c.

As shown in FIG. 36, the information stored in the order information database 106c includes order number, product name, product code, quantity, unit, unit price, price, delivery date, presence / absence of detailed confirmation, comment, etc. It is configured to be associated with each other.

Further, the payment information database 106d is
It is a payment information storage means for storing payment information and the like regarding payment of the bill on the buyer side. FIG. 37 is a diagram showing an example of information stored in the payment information database 106d.

As shown in FIG. 37, the information stored in the payment information database 106d includes the payee company name, the payee account, the total billing agreement (total billing amount), the fee, the total payment amount, the presence or absence of billing confirmation, and the approval. Status (approved, pending,
It is configured by associating information such as unapproved), confirmation of remittance confirmation, and comments.

Further, the deposit information database 106e is
It is a deposit information storage means for storing deposit information and the like to the seller. FIG. 38 is a diagram showing an example of information stored in the deposit information database 106e.

As shown in FIG. 38, the information stored in the deposit information database 106e correlates the customer company name, the billing amount, the fee, the estimated deposit amount, the presence or absence of payment approval, the presence or absence of remittance confirmation, and the like. It is configured.

As other information, the server device 1
The storage unit 106 of 00 stores various web data and CG for providing the website to the client device 200.
I program etc. are recorded.

The web data includes data for displaying various web pages which will be described later, and these data are formed as a text file described in HTML or XML, for example. The storage unit 1 also stores parts files, work files, and other temporary files for creating these web data.
It is stored in 06.

In addition, if necessary, the audio for transmission to the client device 200 may be transmitted in the WAVE format or the AIFF format.
It is possible to store it as an audio file such as a format, or to store a still image or a moving image as an image file such as a JPEG format or an MPEG2 format.

Further, in FIG. 2, the communication control interface unit 104 includes a server device 100 and a network 3.
00 (or a communication device such as a router). That is, the communication control interface unit 1
04 has a function of communicating data with other terminals via a communication line.

Further, in FIG. 2, the control unit 102 controls the O
A control program such as an S (Operating System), a program that defines various processing procedures, and an internal memory for storing required data, and information processing for executing various processes by these programs and the like. I do. Conceptually, the control unit 102 is configured to include a customer company information management unit 102a, a storage agent unit 102b, and an escrow unit 102c.

Of these, the customer company information management section 102a
Is a customer company information management means for managing customer company information about a customer company of the system, which is a seller or a buyer. In addition, the storage agent unit 102b is a storage agent unit that performs the storage of bills to the buyer of the seller. Also, the escrow unit 102c is an escrow means for executing an escrow service for the product sold by the seller to the buyer. The details of the processing performed by these units will be described later.

(System Configuration-Client Device 20)
0) Next, the configuration of the client device 200 will be described. FIG. 3 shows a client device 2 to which the present invention is applied.
00 is a block diagram showing an example of the configuration of No. 00, and conceptually shows only the portion related to the present invention in the configuration. As shown in FIG. 3, the client device 200 is roughly composed of a control unit 210, a ROM 220, an HD 230, and an R.
An AM 240, an input device 250, an output device 260, an input / output control IF 270, and a communication control IF 280 are provided, and these units are connected via a bus so that data communication is possible.

The control unit 21 of this client device 200
0 includes a web browser 211 and an electronic mailer 212. Of these, the web browser 21
Basically, 1 is for interpreting web data and performing display control (browsing processing) to be displayed on a monitor 261 described later. Also, the web browser 211 may be plugged in with various software such as a stream player having a function of receiving, displaying, and feedbacking stream video. Further, the electronic mailer 212 uses a predetermined communication protocol (for example, SMTP (Simple Ma
il Transfer Protocol) and POP
3 (Post Office Protocol ve
E-mail is transmitted and received according to version 3), etc.

As the input device 250, a keyboard, a mouse, a microphone or the like can be used.
The monitor 261 described later also realizes a pointing device function in cooperation with the mouse. Also, the output device 2
60 includes a monitor (including a home-use television) 261,
Also, a printer 262 is provided. In addition, a speaker or the like can be used as the output device 260. The output device 260 is an output unit that outputs information received via the communication control IF 280.

The communication control IF 280 controls communication between the client device 200 and the network 300 (or communication device such as router). The communication control IF 280 is a receiving unit that receives the information transmitted from the server device 100.

The client device 2 configured as described above
00 is a network 3 via a telephone line with a communication device such as a modem, TA, or a router, or via a leased line.
00, and a predetermined communication protocol (for example, T
The server device 100 can be accessed according to the CP / IP Internet protocol).

(System Configuration-Network 300) Next, the configuration of the network 300 will be described. The network 300 has a function of connecting the server apparatus 100 and the client apparatus 200 to each other, and is, for example, the Internet.

(System Configuration-Financial Institution System 40)
0) Next, the configuration of the financial institution system 400 will be described. The financial institution system 400 is the network 300.
Via the server device 100 and the client device 200.
It has the function of providing financial services such as account transfer to users and storage agents. Here, the financial institution system 400 is a web server or ASP.
It may be configured as a server or the like, and its hardware configuration may be configured by an information processing device such as a workstation or a personal computer which is generally commercially available and its accessory device. Further, each function of the financial institution system 400 described below includes a CPU, a disk device, a memory device in the hardware configuration of the financial institution system 400,
It is realized by an input device, an output device, a communication control device, etc., and a program for controlling them.

(System Process) Next, an example of the process of the present system having the above-described configuration according to the present embodiment will be described in detail with reference to FIGS. 4 and 5.

(Accommodation Substitution Processing) Next, the details of the storage substitution processing as the present method performed using the present system configured as described above will be described with reference to FIG. Figure 4
FIG. 6 is a flow chart showing an example of a storage agency process of the present system in the present embodiment.

First, the client device 200 of the seller
Connects to the server device 100 via the Internet by the user designating the address (URL or the like) of the website provided by the server device 100 via the input device or the like on the screen of the browser software or the like. It should be noted that the method of connecting to the website or the like, the method of browsing the website, and the like can be realized by using the conventional technique, and thus detailed description thereof will be omitted.

Next, the client device 200 of the seller
Transmits bill detail information (billing detail data) relating to bill details for the buyer to the server device 100 (step SA-1) and requests the storage agent to store the bill detail information for the buyer. The bill storage request information for the request is transmitted (billing content storage request) (step SA-2).

Then, the server apparatus 100 stores the received bill statement information and bill receipt request information in the bill information database 106b by the processing of the billing agent 102b.

Then, the server device 100 processes the billing receipt request information in the billing receipt request information by the process of the billing agent 102b, and the client device 200 of the buyer.
Will be provided via a web page, etc.

Then, the client device 20 of the buyer
0 views the bill statement information and confirms the storage method and conditions (step SA-3). When the buyer agrees and approves the payment for the bill, the client device 200 of the buyer transmits the approval information for the bill statement information to the server device 100.

When the server device 100 receives the approval information for the invoice statement information from the client device 200 of the buyer, the account transfer request statement for requesting to transfer the invoice statement information to the storage agent's account ( The account transfer request information) is transmitted to the financial institution system 400 (step SA-4).

Next, when the financial institution system 400 executes transfer processing from the buyer's account to the storage agent's account to collect money (step SA-5), the server device 100
To the account transfer result (step SA-
6).

When the server apparatus 100 receives the deposit payment information of the deposit agent from the financial institution system 400 (step SA-7), the seller transfer request information for requesting the transfer to the seller's account according to the account deposit information. To the financial institution system 400.

Finally, the financial institution system 400 completes the distribution of the deposit by executing the transfer process from the deposit agent's account to the seller's account based on the seller transfer request information (step SA- 8). This completes the storage agency process.

(Escrow Process) Next, the details of the escrow process executed by the storage agent for the product sold by the seller to the buyer will be described with reference to FIG. Figure 5
6 is a flowchart showing an example of an escrow process of the present system in the present embodiment.

First, escrow application information and transaction information (customer company IDs of sellers and buyers, bill information, etc.) are sent from the marketplace or the like to the server device 100.
To the server device 10 (step SB-1).
By the processing of the escrow unit 102c, 0 transmits an escrow number or the like to the client device 200 of the seller, and also transmits an escrow number and an account number for depositing the deposit fee to the client device 200 of the buyer ( Step SB-2).

Next, when the buyer confirms the received information and sends the deposit deposit transfer request from the client device 200 to the server device 100, the server device 100
Transmits the deposit deposit transfer request to the financial institution system 400 by the processing of the escrow unit 102c (step SB-3).

Then, the financial institution system 400 transfers the deposit amount from the buyer's account to the escrow account of the storage agency company (step SB-4).

Next, the financial institution system 400 sends information notifying that the deposit payment has been completed to the server device 1.
When sent to 00, the server device 100 transmits information for notifying the client device 200 of the seller to that effect by the processing of the escrow unit 102c (step SB-5).

Next, the client device 200 of the seller
Alternatively, the server device 100 transmits information for instructing the delivery company to deliver the product to the buyer (step SB-6).

Then, the delivery company transmits the shipping information and the arrival information to the server device 100 (step SB).
-7 and step SB-8).

Then, when the server device 100 transmits the information requesting the financial institution system 400 to transfer the deposit money to the seller by the processing of the escrow unit 102c (step SB-9), the financial institution system 400 executes a transfer process of deposit money to the seller's account (step SB-10). This completes the escrow process.

(Example) Next, an example of the present system configured as described above in the present embodiment will be described in detail below with reference to FIGS. 6 to 33. In the following embodiment, the monitor 2 of the client device 200
The various screen information displayed in 61 will be described by taking as an example the case where the server device 100 creates the screen information and sends it to the client device 200 unless otherwise specified, but the present invention is not limited to this case. Screen information may be stored in advance in the storage unit of the client device 200, and necessary screen information may be appropriately read and displayed under the control of the control unit 210 of the client device 200.

First, the client device 200 determines the address (URL) of the website provided by the server device 100.
And the like) are specified by the user via the input device 250 on the screen displayed by the web browser 211, thereby connecting to the server device 100 via the Internet.

Specifically, the user activates the web browser 211 of the client device 200 and inputs a predetermined URL corresponding to the user registration screen of the present system in a predetermined input field of the web browser 211. . When the user gives an instruction to update the screen of the web browser 211, the web browser 211 transmits this URL through the communication control IF 280 according to a predetermined communication protocol, and the U
An initial screen web page transmission request is issued to the server device 100 by routing based on RL.

Next, the server device 100 monitors whether or not there is a transmission from the client device 200, and upon receiving the transmission, analyzes the content of this transmission and according to the result, the respective parts in the control unit 102 are analyzed. Transfer processing. When the content of the transmission is a request for transmitting the initial screen web page, the storage unit 1 is mainly controlled under the control of the storage agent unit 102b.
Web data for displaying the initial screen web page is acquired from 06, and this web data is transmitted to the client device 200 via the communication control interface unit 104. Here, the client device 2 when data is transmitted from the server device 100 to the client device 200
00 is specified using the IP address transmitted together with the transmission request from the client device 200.

The client device 200 receives the web data from the server device 100 via the communication control IF 280 and interprets this data by the web browser 211 to display the initial screen web page on the monitor 261. . Hereinafter, it is assumed that the screen request from the client device 200 to the server device 100, the transmission of the web data from the server device 100 to the client device 200, and the display of the web page on the client device 200 are performed in substantially the same manner. The details are omitted.

An example of the initial screen web page displayed on the monitor 261 of the client device 200 is shown in FIG. As shown in FIG. 6, the initial screen web page is configured to include, for example, a user ID and a password input area.

Then, the user selects the client device 200.
When the information is input through the input device 250, the input information is transmitted to the server device 100.

The server apparatus 100 is processed by the customer company information management unit 102a, and the customer company information database 10 is processed.
Whether or not the authentication is possible is determined based on the ID and password stored in 6a, and the web page is browsed only when the authentication is possible.

FIG. 7 is a diagram showing an example of a seller menu screen web page displayed on the monitor 261 of the client device 200. As shown in this figure, the display screen of the seller menu screen web page is configured to include, for example, a menu selection button MA-1 and a bill data status display area MA-2.

Here, the bill data status display area MA-
In 2, the status of the invoice data is displayed, which serves as a warning function when, for example, a deadline for confirmation of remittance is notified, or when the buyer changes the payment date.

When the seller selects a desired menu from the menu selection button MA-1, the screen changes to the screens shown in FIGS.

FIG. 8 is a view showing an example of a bill contents confirmation screen web page displayed when "confirm contents of bill" is selected with the menu selection button MA-1.

When the seller enters the search condition in the search condition input area MB-1 as shown in this figure, the contents of the invoice that match the desired search condition are displayed.

When a desired bill number in the bill number display area MB-2 is double-clicked, a screen for displaying detailed bill information shown in FIG. 10 is displayed.

Further, a bill storage request information input area MB-3 for requesting the storage agent to store the bill detailed information for the buyer is displayed. When the seller selects the update button MB-4 after checking the input area MB-3 of the bill storage request information, the bill information is transmitted to the buyer.

FIG. 9 is a diagram showing an example of a bill content confirmation screen web page displayed on the monitor 261 of the client apparatus 200.

As shown in this figure, when a desired bill number in the bill number display area MC-1 is double-clicked, a screen for displaying detailed information of the selected bill shown in FIG. 10 is displayed.

FIG. 10 is a diagram showing an example of a selected invoice detailed information display screen web page displayed on the monitor 261 of the client device 200.

As shown in this figure, when the seller confirms the contents of the invoice and then selects the return button MD-1,
The invoice content confirmation screen web page shown in 1 is displayed again.

FIG. 11 is a diagram showing an example of a bill content confirmation screen web page displayed on the monitor 261 of the client device 200.

As shown in this figure, the update button ME-1
When is selected, the contents of the invoice are confirmed, and thereafter, the contents of the invoice cannot be changed.

FIG. 12 shows the client device 200.
FIG. 7 is a diagram showing an example of a seller menu screen web page displayed on the monitor 261 of FIG. As shown in this figure, when the seller selects "invoice list" in the menu selection button, the invoice list display screen web page shown in FIG. 13 is displayed, and when "deposit schedule list" is selected, The deposit schedule list display screen web page shown in FIG. 14 is displayed.

FIG. 13 is a diagram showing an example of a bill list display screen web page displayed on the monitor 261 of the client device 200 when “Bill list” is selected with the menu selection button MA-1. The confirmed invoice information is transmitted from the seller to the buyer via the server device 100, and the seller can then confirm the payment status and status of the buyer on this screen.

As shown in this figure, the seller can confirm the payment status by the display area MF-1 for displaying the payment process on the buyer side.

FIG. 14 is a diagram showing an example of a deposit schedule list display screen web page displayed on the monitor 261 of the client apparatus 200 when the "scheduled deposit list" is selected with the menu selection button MA-1. This figure illustrates an example of a case in which a scheduled deposit date and a deposit financial institution are designated and searched.

Again, the initial screen web page is illustrated in FIG. An embodiment will be described by taking as an example the case where the buyer side accesses from the figure. As shown in FIG. 15, the initial screen web page is configured to include, for example, a user ID and a password input area.

FIG. 16 is a diagram showing an example of a buyer menu screen web page displayed on the monitor 261 of the client apparatus 200. As shown in this figure, the display screen of the buyer menu screen web page is configured to include, for example, a menu selection button MH-1 and a bill data status display area MH-2.

Here, the bill data status display area MH-
In 2, the status of the invoice data is displayed. For example, notification of the payment deadline and the status of the buyer's invoice agreement are displayed to fulfill the warning function.

When the buyer selects a desired menu from the menu selection button MH-1, the screen changes to the screen shown in FIGS. 17 to 28.

FIG. 17 is a diagram showing an example of a bill content confirmation screen web page displayed on the monitor 261 of the client device 200 when "confirm bill content" is selected with the menu selection button MH-1. is there.

As shown in this figure, the buyer inputs the search condition in the search condition input area.

When the desired bill number in the bill number display area MJ-1 is double-clicked, a screen for displaying detailed bill information shown in FIG. 18 is displayed.

Further, an input area MJ-2 for the buyer to confirm the bill detailed information is displayed. After the buyer ordering person confirms each invoice, input area MJ
-Check for agreement / disagreement of -2.

FIG. 18 is a diagram showing an example of a selected invoice detailed information display screen web page displayed on the monitor 261 of the client apparatus 200.

As shown in this figure, when the buyer confirms the bill contents and then selects the return button, the bill contents confirmation screen web page shown in FIG. 19 is displayed again.

FIG. 19 is a diagram showing an example of a bill content confirmation screen web page displayed on the monitor 261 of the client apparatus 200.

As shown in this figure, the update button MK-1
When is selected, it becomes possible to move to a payment amount approval screen described later.

FIG. 20 is a diagram showing an example of a buyer menu screen web page displayed on the monitor 261 of the client apparatus 200. As shown in this figure, when the buyer selects "approval of payment amount" with the menu selection button, the web page for the payment amount approval screen shown in FIG. 21 is displayed.

FIG. 21 is a diagram showing an example of a payment amount approval screen web page displayed on the monitor 261 of the client apparatus 200 when “approval of payment amount” is selected with the menu selection button.

As shown in this figure, the buyer confirms the bill contents and confirms the payment amount by the display area ML-1 which displays the total amount of the invoice (upper line) and the total amount of the invoice (lower line) agreed. can do. Also, a button ML-2 for displaying a list of bills, a scheduled payment date change button ML-3 for designating a change in the scheduled payment date, and an account change button ML for designating a change in the payment account. -4 is displayed.

FIG. 22 shows the scheduled payment date change button ML-3.
Monitor of the client device 200 when is selected
It is a figure which shows an example of the web page for scheduled payment date change screens displayed in 1. As shown in the figure, the buyer specifies a desired estimated payment date in the expected payment date input area MM-1 and selects the update button.

FIG. 23 is a view showing an example of a payment amount approval screen web page displayed on the monitor 261 of the client apparatus 200 after selecting the update button. FIG. 23
In the display area MN-1 shown in FIG. 22, the item whose scheduled payment date has been changed according to FIG. 22 is deleted and displayed.

FIG. 24 is also a diagram showing an example of a payment amount approval screen web page displayed on the monitor 261 of the client apparatus 200 after selecting the update button.
In FIG. 24, the payment due date changed in FIG. 22 is additionally displayed.

FIG. 25 is a diagram showing an example of a financial institution change screen web page displayed on the monitor 261 of the client device 200 when the account change button ML-4 in FIG. 21 is selected. As shown in the figure, the buyer has a withdrawal account input area MP-1 or a transfer account input area M.
Input the desired account in P-2 and select the update button to change to the desired account.

FIG. 26 is a view showing an example of a payment amount approval screen web page displayed on the monitor 261 of the client apparatus 200 after selecting the update button. FIG. 26
In the display area MQ-1 shown in FIG. 25, the one whose scheduled payment date has been changed according to FIG. 25 is deleted and displayed. Also,
The buyer (accounting person, etc.) checks in the approval input area MQ-2 whether to approve or hold the payment of this invoice.

FIG. 27 shows the client device 200.
5 is a diagram showing an example of a buyer menu screen web page displayed on the monitor 261 of FIG. When the buyer selects "Confirm payment amount withdrawn" from the menu selection button, the screen changes to the screen shown in FIG.

FIG. 28 is a diagram showing an example of a web page for confirming the payment withdrawal amount displayed on the monitor 261 of the client apparatus 200. When the buyer (accounting person, etc.) selects the update button shown in FIG. 28, the payment details are confirmed by the setting contents.

Further, as shown in FIGS. 29 to 33, the seller side can view the progress status of the payment process inside the buyer at any time.

FIG. 29 is a diagram showing an example of a seller menu screen web page displayed on the monitor 261 of the client apparatus 200. Here, when the seller selects "invoice list" from the menu selection button, FIG.
When the seller selects "deposit schedule list" from the menu selection button, the screen transitions to the screen shown in FIG. 31.

FIG. 30 is a diagram showing an example of a bill list screen web page displayed on the monitor 261 of the client apparatus 200. Payment approval display area MR in this figure
As shown in -1, etc., the seller can confirm the items for which billing has been agreed and the items for which payment has been approved in a list format.

31 to 33 are diagrams showing an example of a bill list screen web page displayed on the monitor 261 of the client apparatus 200. As shown in the billing amount display area MS-1 and the like in these figures, the seller can confirm which account is to be paid when and in a list format.

(Other Embodiments) The embodiments of the present invention have been described so far. However, the present invention is not limited to the above-described embodiments, and has the technical idea described in the claims. It may be implemented in various different embodiments within the scope.

The transmission and reception of various information described above may be realized by using an existing electronic mail transmission technique, and a predetermined input format may be set by the function provided by the website provided by the server apparatus 100. It may be realized by presenting it to a user or the like to input the information and transmitting the input information, or may be realized by an existing file transfer technique such as FTP.

Further, of the processes described in the embodiments, all or part of the processes described as being automatically performed may be manually performed, or described as being manually performed. All or part of the processing can be automatically performed by a known method. In addition, the processing procedure, control procedure, and
For specific names, information including parameters such as various registration data and search conditions, screen examples, database configuration,
It can be changed arbitrarily unless otherwise specified.

Further, with respect to the server device 100, the constituent elements shown in the drawings are functionally conceptual, and it is not always necessary that the constituent elements are physically configured as shown. For example,
With regard to the processing functions provided in each server of the server device 100, particularly the respective processing functions performed by the control unit, all or an arbitrary part of the processing functions is controlled by a CPU (Central Proc
essing Unit) and a program that is interpreted and executed by the CPU, or can be realized as hardware by a wired logic. It should be noted that the program is recorded in a recording medium described later, and if necessary, the server device 1
00 mechanically read.

The server device 100 further includes, as further components, an input device (not shown) including various pointing devices such as a mouse, a keyboard, an image scanner and a digitizer, and a display device (not shown) used for monitoring input data. No.), a clock generator (not shown) for generating a system clock, and an output device (not shown) such as a printer for outputting various processing results and other data, an input device, and a display. The device and the output device may be respectively connected to the control unit 102 via the input / output interface.

Various databases and the like (customer company information database 106a to deposit information database 106e) stored in the storage unit 106 are memory devices such as RAM and ROM, fixed disk devices such as hard disks, storages such as flexible disks and optical disks. Means,
Stores various programs, tables, files, databases, web page files, etc. used for various processes and website provision.

Further, the server device 100 connects a peripheral device such as a printer, a monitor or an image scanner to an information processing device such as an information processing terminal such as a known personal computer or workstation, and the information processing device according to the present invention is connected to the information processing device. It may be realized by implementing software (including programs, data, etc.) that realizes the method.

Further, the specific form of the distribution / integration of the server device 100 is not limited to that shown in the figure, and the whole or a part thereof is functionally or physically distributed in arbitrary units according to various loads and the like. -Can be integrated and configured. For example, each database may be independently configured as an independent database device, and a part of the processing may be performed by CGI (C
It may be realized by using the Ommon Gateway Interface).

The client device 200 is a printer for an information processing device such as a known personal computer, workstation, home game device, Internet TV, PHS terminal, mobile terminal, mobile communication terminal or PDA. It is realized by connecting peripheral devices such as a computer, a monitor, and an image scanner as necessary, and installing software (including programs, data, etc.) for realizing the web information browsing function and the electronic mail function in the information processing device. May be.

The control unit 21 of this client device 200
0 can be realized in whole or in part by a CPU and a program interpreted and executed by the CPU. That is, the OS (O
A computer program for giving various commands to the CPU and performing various processes in cooperation with the operating system is recorded. This computer program is executed by being loaded into RAM,
Cooperates with U to form a control unit.

However, this computer program may be recorded in an application program server connected to the client apparatus 200 via an arbitrary network, and it is possible to download all or part of it as necessary. Is. Alternatively, all or any part of each control unit can be realized as hardware such as a wired logic.

Further, the program according to the present invention can be stored in a computer-readable recording medium. Here, the "recording medium" includes a magnetic disk, a magneto-optical disk, a ROM, an EPROM, an EEPROM, and a C.
Any "portable physical medium" such as D-ROM, MO, DVD, and RO built into various computer systems
M, RAM, HD such as any "fixed physical medium", or LAN, WAN, such as a communication line or carrier wave when transmitting the program through a network typified by the Internet It shall include the retained "communication medium".

The "program" is a data processing method described in any language or description method, and may take any form such as source code or binary code. In addition,
The "program" is not necessarily limited to a single configuration, but may be configured as a plurality of modules or libraries distributed, or an OS (Operating System).
It also includes a program that cooperates with a separate program represented by m) to achieve its function. Note that a specific configuration for reading a recording medium in each device described in the embodiments,
Well-known configurations and procedures can be used for the reading procedure, the installation procedure after the reading, and the like.

The network 300 has a function of connecting the server apparatus 100 and the client apparatus 200 to each other, and includes, for example, the Internet, an intranet, a LAN (including both wired / wireless), VAN,
PC communication network, public telephone network (both analog and digital), leased line network (both analog and digital), CATV network, IMT2000 system, G
Mobile circuit switching network / mobile packet switching network such as SM system or PDC / PDC-P system, radio calling network, Blue
Local wireless network such as tooth, PHS network, CS, BS
Alternatively, it may include any one of satellite communication networks such as ISDB. That is, the present system can send and receive various data via any network whether wired or wireless.

[0152]

As described above in detail, according to the present invention, the transaction information processing apparatus stores the invoice detail information regarding the invoice detail for the buyer and the storage of the invoice detail information for the buyer. Receive billing receipt request information for requesting a substitute from the seller's information terminal device, store the received billing statement information and billing receipt request information, and provide the requested billing statement information to the buyer. , Receives approval information for the invoice statement information from the buyer's information terminal device, and sends account transfer request information to the financial institution system for requesting to transfer the received invoice statement information to the deposit agent's account. In order to receive the deposit agent's account deposit information from the financial institution system and request the seller's account to be transferred in accordance with the received account deposit information. Since the seller transfer request information is transmitted to the financial institution system, the transaction information management system, the transaction information processing device, the storage agent method, the program, and the program, which can effectively use the existing financial system to execute the storage agent process. A recording medium can be provided.

Further, according to the present invention, since the transaction information processing apparatus executes the escrow service for the product sold by the seller to the buyer, it is possible to easily provide a service in which the storage agent processing and the escrow service are combined. It is possible to provide a transaction information management system, a transaction information processing device, a storage agent method, a program, and a recording medium that can be performed.

Further, according to the present invention, since the financial institution system is the postal savings system, the payment statement data of the inter-company transaction can be confirmed on the web, and the transfer settlement from the postal savings account to the postal savings account or the postal savings account can be performed. It is possible to provide a transaction information management system, a transaction information processing apparatus, a storage agent method, a program, and a recording medium that allow automatic withdrawal of information on the Internet.

Further, since the paper-based payment processing that is currently performed at the postal savings window can now be performed on the web, a transaction information management system that can realize financial EDI using the current postal savings account, A transaction information processing device, a storage agent method, a program, and a recording medium can be provided.

[Brief description of drawings]

FIG. 1 is a block diagram showing an example of the overall configuration of the present system.

FIG. 2 is a block diagram showing an example of a configuration of a server device 100 to which the present invention is applied.

FIG. 3 is a block diagram showing an example of a configuration of a client device 200 to which the present invention is applied.

FIG. 4 is a flowchart showing an example of a storage agency process of the present system in the present embodiment.

FIG. 5 is a flowchart showing an example of an escrow process of the system in the present embodiment.

6 is a diagram showing an example of an initial screen web page displayed on the monitor 261 of the client apparatus 200. FIG.

7 is a diagram showing an example of a seller menu screen web page displayed on the monitor 261 of the client device 200. FIG.

FIG. 8 shows a case where the client device 20 is selected when “confirm contents of invoice” is selected on the menu selection button MA-1.
It is a figure which shows an example of the web page for bill content confirmation screens displayed on the monitor 261 of 0.

9 is a diagram illustrating an example of a bill content confirmation screen web page displayed on the monitor 261 of the client device 200. FIG.

10 is a diagram showing an example of a selected invoice detailed information display screen web page displayed on the monitor 261 of the client device 200. FIG.

11 is a diagram showing an example of a bill content confirmation screen web page displayed on the monitor 261 of the client device 200. FIG.

12 is a diagram showing an example of a seller menu screen web page displayed on the monitor 261 of the client device 200. FIG.

FIG. 13 is a diagram showing an example of a bill list display screen web page displayed on the monitor 261 of the client device 200 when “Bill list” is selected with the menu selection button MA-1.

FIG. 14 is a diagram showing a case where the “payment schedule list” is selected with the menu selection button MA-1
FIG. 8 is a diagram showing an example of a deposit schedule list display screen web page displayed on the monitor 261 of FIG.

15 is a diagram showing an example of an initial screen web page displayed on the monitor 261 of the client apparatus 200. FIG.

16 is a diagram showing an example of a buyer menu screen web page displayed on the monitor 261 of the client device 200. FIG.

FIG. 17 shows the client device 20 when “confirm invoice contents” is selected on the menu selection button MH-1.
It is a figure which shows an example of the web page for bill content confirmation screens displayed on the monitor 261 of 0.

FIG. 18 is a diagram showing an example of a selected invoice detailed information display screen web page displayed on the monitor 261 of the client apparatus 200.

FIG. 19 is a diagram showing an example of a bill content confirmation screen web page displayed on the monitor 261 of the client apparatus 200.

20 is a diagram showing an example of a buyer menu screen web page displayed on the monitor 261 of the client apparatus 200. FIG.

FIG. 21 is a diagram showing an example of a payment amount approval screen web page displayed on the monitor 261 of the client device 200 when “approval of payment amount” is selected with the menu selection button.

FIG. 22 is a diagram showing an example of a scheduled payment date change screen web page displayed on the monitor 261 of the client device 200 when the scheduled payment date change button ML-3 is selected.

FIG. 23 shows the client device 20 after selecting the update button.
It is a figure which shows an example of the web page for the approval screen of the payment amount displayed on the monitor 261 of 0.

FIG. 24 shows the client device 20 after selecting the update button.
It is a figure which shows an example of the web page for the approval screen of the payment amount displayed on the monitor 261 of 0.

25 is a diagram showing an example of a financial institution change screen web page displayed on the monitor 261 of the client device 200 when the account change button ML-4 in FIG. 21 is selected.

FIG. 26 shows the client device 20 after selecting the update button.
It is a figure which shows an example of the web page for the approval screen of the payment amount displayed on the monitor 261 of 0.

27 is a diagram showing an example of a buyer menu screen web page displayed on the monitor 261 of the client device 200. FIG.

FIG. 28 is a diagram showing an example of a payment debit amount confirmation screen web page displayed on the monitor 261 of the client apparatus 200.

29 is a diagram showing an example of a seller menu screen web page displayed on the monitor 261 of the client apparatus 200. FIG.

FIG. 30 is a diagram showing an example of a bill list screen web page displayed on the monitor 261 of the client apparatus 200.

31 is a diagram showing an example of a bill list screen web page displayed on the monitor 261 of the client apparatus 200. FIG.

32 is a diagram showing an example of a bill list screen web page displayed on the monitor 261 of the client apparatus 200. FIG.

33 is a diagram showing an example of a bill list screen web page displayed on the monitor 261 of the client device 200. FIG.

34 is a diagram showing an example of customer company information stored in a customer company information database 106a of the server apparatus 100. FIG.

FIG. 35 is a diagram showing an example of information stored in a bill information database 106b of the server apparatus 100.

FIG. 36 is an order information database 1 of the server device 100
It is a figure which shows an example of the information stored in 06c.

FIG. 37 is a payment information database 1 of the server device 100.
It is a figure which shows an example of the information stored in 06d.

38 is a deposit information database 1 of the server device 100. FIG.
It is a figure which shows an example of the information stored in 06e.

[Explanation of symbols]

100 server device 102 control unit 102a Customer information management department 102b storage agent 102c Escrow section 104 Communication control interface section 106 storage 106a Customer company information database 106b Invoice information database 106c Order information database 106d payment information database 106e deposit information database 200 client devices 210 control unit 211 Web browser 212 Electronic Mailer 220 ROM 230 HD 240 RAM 250 input device 260 output device 261 monitor 262 printer 270 I / O control interface 280 Communication control interface 300 networks 400 financial institution system

Claims (13)

[Claims] 1. A transaction information processing device of a storage agent for processing information on a transaction, an information terminal device of at least one of a seller or a buyer who conducts the transaction, and a financial institution system of a financial institution via a network. A transaction information management system configured to be communicatively connected to each other, wherein the transaction information processing apparatus stores invoice detail information related to invoice details for the buyer, and stores the invoice detail information for the buyer. Bill information receiving means for receiving bill storage request information for requesting the storage agent from the information terminal device of the seller, the bill specification information and the bill storage received by the bill information receiving means. Invoice information storage means for storing request information, and the invoice detail information requested by the invoice storage request information Invoice information providing means provided to the year, authorization information receiving means for receiving authorization information for the invoice statement information from the information terminal device of the buyer, and the invoice received by the authorization information receiving means Account transfer requesting means for transmitting account transfer request information for requesting transfer of detailed information to the deposit agent's account to the financial institution system, and account deposit information of the deposit agent from the financial institution system. And a seller for transmitting transfer request information to the financial institution system for requesting transfer to the seller's account according to the account deposit information received by the account deposit information receiving means. A transaction information management system comprising: a transfer requesting means. 2. The transaction information management system according to claim 1, wherein the transaction information processing apparatus further comprises escrow means for executing an escrow service for the product sold by the seller to the buyer. 3. The transaction information management system according to claim 1, wherein the financial institution system is a postal savings system. 4. A transaction of a storage agent, which is communicably connected to an information terminal device of at least one of a seller and a buyer who conducts a transaction and a financial institution system of a financial institution via a network. An information processing device, wherein bill detail information regarding a bill detail for the buyer, and bill storage request information for requesting the storage agent to store the bill detail information for the buyer are provided to the seller. An invoice information receiving means for receiving from the information terminal device, an invoice information storing means for storing the invoice detail information and the invoice storing request information received in the invoice information receiving means, and the invoice storing request information. Bill information providing means for providing the invoice detailed information requested by the buyer to the buyer, and the information terminal of the buyer Approval information receiving means for receiving approval information for the invoice statement information from a storage device, and an account transfer for requesting to transfer the invoice statement information received by the approval information receiving means to the storage agent's account. Account transfer requesting means for transmitting request information to the financial institution system, account deposit information receiving means for receiving account deposit information of the deposit agent from the financial institution system, and receipt by the account deposit information receiving means. A transaction information processing apparatus comprising: a seller transfer requesting unit that transmits seller transfer request information for requesting transfer to the seller's account according to the account deposit information, to the financial institution system. 5. The transaction information processing apparatus according to claim 4, further comprising escrow means for executing an escrow service for the product sold by the seller to the buyer. 6. The transaction information processing apparatus according to claim 4, wherein the financial institution system is a postal savings system. 7. A transaction information processing device of a storage agent for processing information on a transaction, an information terminal device of at least one of a seller or a buyer who conducts a transaction, and a financial institution system of a financial institution via a network. A storage agent method performed using a transaction information management system configured to be communicatively connected, wherein in the transaction information processing device, billing statement information regarding a billing statement for the buyer, and a billing information for the buyer. A bill information receiving step of receiving bill storage request information for requesting the storage agent to store the bill detailed information from the information terminal device of the seller, and receiving the bill information in the transaction information processing device. Invoice information storage that stores the invoice detail information and the invoice storage request information received in step And a bill information providing step of providing the buyer with the bill detailed information requested by the bill storage request information, and approval information for the bill detailed information from the information terminal device of the buyer. An approval information receiving step to be received, and account transfer request information for requesting to transfer the invoice statement information received in the approval information receiving step to the storage agent account, are transmitted to the financial institution system. The account transfer request step for receiving, the account deposit information receiving step for receiving the account deposit information of the deposit agent from the financial institution system, and the seller account according to the account deposit information received in the account deposit information receiving step. Seller transfer that sends seller transfer request information to the financial institution system to request transfer A storage agent method comprising: a replacement request step. 8. The storage agent method according to claim 7, further comprising: an escrow step of executing an escrow service for the product sold by the seller to the buyer in the transaction information processing apparatus. 9. The storage agency method according to claim 7, wherein the financial institution system is a postal savings system. 10. A transaction of a storage agent, which is communicably connected via a network to an information terminal device of at least one of a seller and a buyer who conducts a transaction and a financial institution system of a financial institution. A program for causing a computer to execute a storage agent method executed by using an information processing device, wherein the storage of the invoice detail information related to the invoice details for the buyer and the invoice detail information for the buyer is performed. A bill information receiving step of receiving bill storage request information for requesting a storage agent from the information terminal device of the seller, the bill detailed information and the bill storage request received in the bill information receiving step. Invoice information storing step for storing information, and the invoice description requested by the invoice storage request information Invoice information providing step of providing detailed information to the buyer, authorization information receiving step of receiving authorization information for the invoice statement information from the information terminal device of the buyer, and receiving in the authorization information receiving step The step of requesting an account transfer for transmitting the account transfer request information to the financial institution system for requesting the transfer of the invoice statement information to the account of the receiving agent, and the transfer agent from the financial institution system. To the financial institution system for receiving the deposit information to receive the deposit information, and the seller transfer request information for requesting the transfer to the seller's account according to the deposit information received in the deposit information receiving step. A program that includes a seller transfer request step to be transmitted by sending. 11. The program according to claim 10, further comprising an escrow step of executing an escrow service for the product sold by the seller to the buyer. 12. The program according to claim 10, wherein the financial institution system is a postal savings system. 13. A computer-readable recording medium on which the program according to any one of claims 10 to 12 is recorded.