JP2006011993A - Electronic commerce settlement brokerage system and method - Google Patents

Abstract

The present invention enables settlement of electronic commerce so that both a customer and a trader do not have anxiety about default of a counterparty.
A database storing various information relating to a transaction and an information processing means capable of updating various information in the database, the information processing means being a communication terminal used by the contractor or the customer A first means for receiving source order information, which is information input at the time of ordering the product transmitted from a communication terminal used by, or information obtained by performing predetermined processing on the information; Second means for updating billing information relating to billing made to the customer by purchasing the product stored in the database based on the source order information, a communication terminal used by the customer who purchased the product A third means for receiving acceptance information indicating whether to accept the receipt of the product, and when the received acceptance information is to accept the receipt of the product, the data The sale stored in the product in the base comprises a fourth means for updating the payment information about the dispensing to be made to the art.
[Selection] Figure 3

Description

  The present invention mediates settlement of electronic commerce transactions between a merchant that sells products (including services) using a homepage published on the Internet and a customer who purchases the product through the homepage. The present invention relates to a system and method.

  Currently, settlement by electronic commerce is carried out by three types: (1) advance payment, (2) post-payment, and (3) fee exchange at the time of delivery. In (1) and (2), transfer to a bank account of a trader, postal transfer, registered mail, withdrawal from a customer's credit card, and mediation of settlement by an Internet provider or other institution are used.

In the settlement in electronic commerce, it is necessary that billing to customers, withdrawal to merchants, and delivery of products to customers be performed securely and securely. As a problem to solve these problems, a lot of research and development has been made as an important problem for security problems against information leakage and the like, and the following is disclosed as an example of the prior art. This conventional technology is an electronic commerce method that uses a postpaid method for payment for goods, and the purchaser terminal sells using a postpaid method information that is issued by a settlement agent system or a postpaid method information issuer system. A payment request process for requesting payment for the product to be purchased to the buyer system, and a payment payment proxy process in which the seller system performs payment using the buyer's post-payment method information corresponding to the disposable post-payment method information. Thus, the purchaser can conduct electronic commerce without informing the seller of personal information of the postpay method (see Patent Document 1).
JP 2002-342688 A

  In the above e-commerce settlement, (1) In advance payment of charges, there is anxiety about the arrival of goods and quality on the customer side, (2) In postpayment of charges, there is anxiety about non-payment of the customer's fee, In addition, (3) in exchange for charges at the time of delivery, there were inefficiencies due to handing of charges from person to person, and the customer was concerned about the quality of the product. Thus, in electronic commerce using a communication network such as the Internet, there has been no settlement system and method that can be reassured by both customers and contractors. Such a problem cannot be solved by the technique disclosed in Patent Document 1 and a technique similar thereto.

  Therefore, an object of the present invention is to enable settlement of electronic commerce so that both the customer and the trader do not have anxiety about the default of the other party.

  In order to solve the above-mentioned problems, the present invention is carried out between a dealer who sells products (including services) using a homepage published on the Internet and a customer who purchases the products through the homepage. A payment mediation system for electronic commerce that mediates payment, comprising: a database that stores various types of information related to the transaction; and an information processing unit that can update various types of information in the database. , Information input at the time of ordering the product transmitted from the communication terminal used by the merchant or the communication terminal used by the customer, or information obtained by performing predetermined processing on the information. First means for receiving source order information, based on the received source order information, stored in the database and made to the customer by purchasing the product; Second means for updating billing information relating to billing, third means for receiving acceptance information transmitted from a communication terminal used by a customer who has purchased the product and indicating whether or not to accept the product; Fourth means for updating withdrawal information relating to withdrawal stored in the database and made to the merchant by selling the product when the received acceptance information is to accept the receipt of the product. (Claim 1).

  Further, in the configuration according to claim 1, the database further includes customer information for identifying the customer, merchant information for identifying the merchant, product information regarding the merchandise, contents and status of each order. It is preferable to store order information for specifying the item (Claim 2).

  In the configuration according to claim 2, the second means may further update or create the customer information, the supplier information, the product information, and the order information based on the source order information. Preferred (claim 3).

  Further, in the configuration according to claim 2 or 3, the order information includes items indicating the contents of the acceptance information and whether or not the acceptance information has been received, and the fourth means includes the third means. It is preferable to update the order information based on the acceptance information received by the means (claim 4).

  The present invention also provides for settlement of electronic commerce transactions between a merchant that sells products (including services) using a homepage published on the Internet and a customer who purchases the product through the homepage. An intermediary settlement method for electronic commerce that mediates, and is performed using a computer comprising a database storing various information related to the settlement, and information processing means capable of updating various information in the database, Source order which is information input at the time of ordering the product transmitted from a communication terminal used by a merchant or a communication terminal used by the customer, or information obtained by performing predetermined processing on the information A first step of receiving information, based on the received source order information, stored in the database and purchased for the customer A second step of updating billing information relating to the billing to be received, a third step of receiving acceptance information transmitted from a communication terminal used by a customer who has purchased the product and indicating whether or not to accept the product; A fourth step of updating withdrawal information relating to withdrawal made to the merchant by selling the product stored in the database when the received acceptance information is to accept the receipt of the product; (Claim 5).

  Further, in the configuration according to claim 5, the database further includes customer information for identifying the customer, merchant information for identifying the merchant, product information relating to the product, contents and status of each order. It is preferable to store order information for identifying the item (Claim 6).

  In the configuration according to claim 6, in the second step, the customer information, the supplier information, the product information, and the order information may be updated or created based on the source order information. Preferred (claim 7).

  Further, in the configuration according to claim 6 or 7, the order information includes items indicating contents of the acceptance information and presence / absence of reception of the acceptance information. In the fourth step, It is preferable that the order information is further updated based on the acceptance information received in step 3 (claim 8).

  According to the above system or method, the customer is charged at the time of receiving the source order information, and then the withdrawal is made to the merchant only when the customer transmits information indicating that the product has been accepted. The This prevents the customer from paying the fee, and if the merchant does not ship the product or sends a bad product, the customer will receive information that he / she accepts the receipt of the product. Because there is no, you can not receive the withdrawal, and you cannot get the fee unfairly. As a result, both the customer and the trader can be prevented from worrying about the default of the other party.

  In addition to the billing information and withdrawal information, customer information, trader information, product information, and order information can be managed by the database, so that more efficient processing can be performed. Furthermore, by providing an item relating to acceptance information as one of the items of order information, it is possible to provide information that is effective for the operation of brokers and traders.

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

  FIG. 1 shows a configuration of an electronic commerce settlement brokerage system (hereinafter abbreviated as a brokerage system) 1 according to the present invention. This brokerage system 1 uses a homepage published on the Internet to make a product. It mediates the settlement of electronic commerce transactions between vendors (including services) and customers who purchase the product through the homepage, and includes CPU, RAM, HDD, ROM, interface, etc. One or a plurality of configured computers, a communication device such as a modem, and other hardware are configured in cooperation with predetermined software. In general, the mediation system 1 is operated. It is constituted by a server managed by an intermediary who is a person.

  This mediation system 1 is configured to include a database 2 and information processing means 3. The database 2 is a group of various information related to electronic commerce stored in the HDD or the like. Specifically, the customer information 10 for specifying a customer (see FIG. 2A) and the supplier information for specifying the supplier. 11 (refer to FIG. 2B), product information 12 related to the product (refer to FIG. 2C), order information 13 for specifying the contents and status of each order (refer to FIG. 2D), purchase of the product The billing information 14 (see FIG. 2 (e)) relating to the billing made to the customer according to FIG. 2 and the withdrawal information 15 (see FIG. 2 (f)) relating to the withdrawal made to the merchant by the sale of the product are respectively relational. It is accumulated by model such as database.

  The information processing means 3 is constituted by a CPU, a RAM, a predetermined program for controlling the CPU, etc. In this embodiment, the information processing means 3 is transmitted from a communication terminal used by a contractor or a communication terminal used by a customer. The first means 20 for receiving source order information which is information input at the time of ordering the product or information obtained by performing predetermined processing on the information, the database 2 based on the source order information Second information 21 for updating customer information 10, merchant information 11, product information 12, order information 13, and billing information 14 stored in the communication terminal used by the customer who purchased the product The third means 22 for receiving the acceptance information indicating whether or not to accept the receipt of the product, the withdrawal information in the database 2 if the received acceptance information is to accept the receipt of the product 5 is updated and also based on the acceptance information, and has a fourth means 23 for updating the order information 13.

  When a customer decides to purchase a merchandise item on the Internet and the settlement is performed by the brokerage system 1, the information (source order information) input in the ordering action up to the purchase decision, that is, the customer The ID, product ID, quantity, etc. are sent to the first means 20 via the communication network. This source order information may be sent from the customer's communication terminal as it is or partially processed to the terminal constituting the brokerage system 1, or once sent to the communication terminal constituting the supplier's system. The information may be transferred to the mediation system 1 as it is or after being partially processed.

  When the source order information is received, the customer information 10, merchant information 11, merchandise information 12, order information 13, and billing information 14 are updated by the second means. As shown in FIG. 2D, the order information 13 is provided with an acceptance confirmation item, and this item is “not yet” which means that it has not been received at the first time. In addition, as shown in FIG. 2 (e), the billing information 14 is provided with an item of electronic money balance, which is, for example, the settlement of the order price from the amount paid by the customer to the intermediary in advance by the prepaid method. It is the amount after deducting the fee deducted by. When the source order information is received, the second means 21 updates so as to subtract the order price from the electronic money balance of the billing information 14.

  Thereafter, the product is sent to the customer and the service is executed. When the customer accepts the product, acceptance information is sent from the customer's communication terminal to the third means 22 via the communication network. . If the received acceptance information is “Accept”, the fourth means 23 changes the acceptance confirmation item of the order information 13 to “Accept” and the withdrawal information 15 The amount corresponding to the charge (unit price × quantity) corresponding to the product ID related to the order ID is added to the accumulated amount of withdrawal in the item of the trader ID corresponding to the product ID to be updated. If the received acceptance information is to “reject”, the fifth means 24 changes the acceptance confirmation item of the order information 13 to “reject”, and the withdrawal information 15 It will not be updated. Further, when the customer refuses acceptance or when the acceptance information is not transmitted for a predetermined period, the broker or the dealer can start solving the problem from the record of the order information 13.

  Hereinafter, the settlement processing using the mediation system 1 will be described with reference to the flowchart shown in FIG. First, when the first means 20 receives the source order information (step 100), customer information 10, merchant information 11, merchandise information 12, order information 13 in the database 2 are obtained by the second means 21. (Step 101) and the accounting information 14 is updated (step 102). That is, at this point, the customer is charged.

  Then, it is judged by the third means whether or not acceptance information from the customer has been received (step 103). If information indicating “acceptance” is received, the acceptance confirmation contained in the order information 13 is received. After the item is changed to “accept” (step 104), the withdrawal information 15 is updated by the fifth means 24 (step 105). That is, at this time, withdrawal to the supplier is executed.

  In step 103, if the acceptance information from the customer is information indicating “reject”, the acceptance confirmation item included in the order information 13 is changed to “reject” (step 106). By receiving the acceptance information indicating “reject”, the intermediary or the trader can perform problem solving work with the customer. In step 103, if acceptance information from the customer has not been received, it is determined whether or not a predetermined period has elapsed (step 109). If the predetermined period has elapsed, that is, the predetermined period has elapsed. However, if the acceptance information is not transmitted from the customer, it is recognized that a problem has occurred as in the case of receiving the acceptance information indicating “rejection”, and the problem solving operation can be started. If the predetermined period has not elapsed in step 109, the process returns to step 103 and waits for acceptance information from the customer again. The problem-solving work is expected to be mainly human interaction, and this work is not a requirement for configuring the system. Thereafter, a means for determining whether or not a transaction between the customer and the trader has been established (a function for determining based on a predetermined input operation) is executed (step 107). Similar to 105, the withdrawal information 15 is updated so that withdrawal to the merchant is performed, and if the transaction is not successful, the order is deleted from the order information 13 and the step 102 is performed. The billing information 14 for the customer updated in step 1 is canceled (step 108).

  As described above, according to the present invention, the customer is charged simultaneously with the receipt of the source order information, so the customer cannot make the payment unpaid. Further, since the merchant is not withdrawn without the acceptance information from the customer, he / she cannot obtain an unreasonable fee due to the act of not shipping the product or sending the bad product. In addition, when there is a dispute over the contents of the delivery or delivery product, an intermediary or the like can begin intermediary from a fair standpoint, including notifying public institutions. Furthermore, it is not necessary for the customer to evaluate all the credibility of the merchants existing on the Internet, and the procedure may be performed based on the trust of the mediator alone.

  As described above, according to the present invention, since it is possible to settle electronic commerce that does not cause anxiety about the other party's default on both the customer and the trader, it is possible to activate commerce on the Internet. it can.

It is a figure which shows the structure of the mediation system which concerns on this invention. It is a figure which shows the structure of the various information managed by a database. It is a flowchart which shows the example of the specific flow of the payment process using the mediation system which concerns on this invention.

Explanation of symbols

1 Settlement mediation system for electronic commerce (mediation system)
2 Database 3 Information processing means

Claims (8)

A settlement intermediary system for electronic commerce that mediates settlement performed between a merchant that sells products using a homepage published on the Internet and a customer who purchases the product through the homepage;
Comprising a database storing various information related to the transaction, and information processing means capable of updating the various information in the database,
The information processing means includes
A source that is information input at the time of ordering the product transmitted from the communication terminal used by the merchant or the communication terminal used by the customer, or information obtained by performing predetermined processing on the information A first means for receiving order information;
Second means for updating billing information relating to billing made to the customer by purchasing the product stored in the database based on the received source order information;
Third means for receiving acceptance information transmitted from a communication terminal used by a customer who has purchased the product and indicating whether or not to accept the product;
Fourth means for updating withdrawal information relating to withdrawal made to the merchant by selling the product stored in the database when the received acceptance information is to accept the receipt of the product. ,
An electronic commerce settlement brokerage system comprising:   The database further stores customer information for identifying the customer, merchant information for identifying the merchant, product information regarding the product, and order information for identifying the contents and status of each order. The settlement intermediation system for electronic commerce according to claim 1.   3. The electronic commerce transaction method according to claim 2, wherein the second means further updates or creates the customer information, the merchant information, the product information, and the order information based on the source order information. Payment brokerage system. The order information includes the contents of the acceptance information and an item indicating whether or not the acceptance information has been received,
4. The settlement intermediation system for electronic commerce according to claim 2, wherein the fourth means updates the order information based on the acceptance information received by the third means. An electronic commerce settlement intermediation method for mediating settlement of electronic commerce transactions performed between a merchant that sells products using a homepage published on the Internet and a customer who purchases the product through the homepage. ,
It is performed using a computer comprising a database storing various information related to the settlement, and an information processing means capable of updating various information in the database,
A source that is information input at the time of ordering the product transmitted from the communication terminal used by the merchant or the communication terminal used by the customer, or information obtained by performing predetermined processing on the information A first step of receiving order information;
A second step of updating billing information relating to billing made to the customer by purchase of the merchandise stored in the database based on the received source order information;
A third step of receiving acceptance information transmitted from a communication terminal used by a customer who purchased the product and indicating whether or not to accept the product;
A fourth step of updating withdrawal information relating to withdrawal made to the merchant by selling the product stored in the database when the received acceptance information is to accept the receipt of the product; ,
An electronic commerce settlement brokerage method comprising   The database further stores customer information for identifying the customer, merchant information for identifying the merchant, product information regarding the product, and order information for identifying the contents and status of each order. The settlement intermediation method for electronic commerce according to claim 5.   7. The electronic commerce transaction according to claim 6, wherein in the second step, the customer information, the merchant information, the product information, and the order information are further updated or created based on the source order information. Payment mediation method. The order information includes the contents of the acceptance information and an item indicating whether or not the acceptance information has been received,
The settlement of electronic commerce according to any one of claims 5 to 7, wherein the fourth means updates the order information based on the acceptance information received by the third means. Mediation method.

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