JP2008310770A - Storage proxy system and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To further enhance the credit rating of a customer and an EC site (a merchandise provider) to improve safety of transaction by reflecting the credit rating of both sides in collecting a commission of a storage proxy service. <P>SOLUTION: This storage proxy system has a storage proxy commission computing means 16 computing a storage proxy commission paid by the customer and a storage proxy commission paid by the EC site respectively. If the credit rating of the customer and EC site is high, commissions to be paid to a storage proxy service provider are less. In order to reduce such a charge, it is expected that the customer tries hard to surely pay a purchase price to enhance the own credit rating, and the EC site makes an effort to enhance the credit rating by reducing the occurrence of an out-of-stock state of merchandise, quickly preparing the delivery of merchandise, etc. The credit rating of both the customer and the EC site (the merchandise provider) is thereby enhanced to improve safety of on-line shopping. <P>COPYRIGHT: (C)2009,JPO&INPIT

Description

  The present invention relates to a storage agent system and a computer program that perform payment of a purchase price between a customer and a merchandise provider (EC site) when online shopping is performed via communication means such as the Internet.

Online shopping, which purchases products by accessing product provider sites (EC sites) that provide products, mainly through the Internet, has become very popular. Under such circumstances, a business for storing purchase prices between customers and EC sites is also flourishing. Generally, when a customer chooses to use a storage agency service when purchasing a product, the purchase price is changed to an EC site from a company that conducts the storage agency service, and the customer provides the agency service. The company pays the purchase price to the company, and the company that provides the storage service collects fees from both the customer and the EC site. Japanese Patent Application Laid-Open No. 2004-133867 does not describe collection of a commission for a storage agent service, but discloses that a settlement agency mediates delivery of a purchase price between a purchaser and a seller.
JP 2002-63532 A

  Patent Document 1 describes that a settlement organization mediates settlement between a customer and an EC site, notifies the seller of the customer's creditworthiness, and determines a settlement period according to the seller's creditworthiness. Has been. That is, it is disclosed that the transaction is relayed using the creditworthiness of the customer and the seller. However, there is no description regarding the collection of the fee for the storage agent service as described above, and a mechanism for using the creditworthiness of the customer and the seller for collecting the fee is not disclosed.

  The present invention has been made in view of the above, and reflects the creditworthiness of customers and EC sites (product providers) in the collection of fees for the storage agency service, further improving the trustworthiness of both parties and enhancing the safety of transactions. It is an object of the present invention to provide a storage agent system and a computer program that contribute.

In order to solve the above-mentioned problem, in the present invention according to claim 1, a storage agent system connected to both the user terminal and the EC site via a communication means, and performs a storage agent for the purchase price in online shopping,
A customer database in which attributes and credibility of customers accessing the EC site from the user terminal are recorded;
An EC site database in which the credit rating of the EC site is recorded;
A customer identifying means for identifying a customer who is accessing the EC site;
The credit of the customer specified by the customer specifying means is read from the customer database, the credit of the EC site accessed by the customer is read from the EC site database, and the credit of the customer and the credit of the EC site are used. A storage agent fee calculating means for calculating a storage agent fee borne by the customer and a storage agent fee borne by the EC site,
A charge information transmitting unit configured to transmit a storage agent fee charged by the customer calculated by the storage agent fee calculation unit to the user terminal and to transmit a storage agent fee charged by the EC site to the EC site; Provide a storage agent system.
In the present invention according to claim 2, the storage agency fee calculation means uses a burden ratio defined based on the creditworthiness of the customer and the creditworthiness of the EC site, respectively, and the storage agency fee of the customer burden and the EC site burden. The storage agent system according to claim 1, wherein the storage agent fee is calculated.
In the present invention according to claim 3, the maximum burden ratio of the customer set so as to be higher as the trustworthiness of the EC site is higher is defined corresponding to the burden ratio of the EC site.
The storage agent fee calculation means uses a smaller one of the burden ratio according to the creditworthiness of the customer and the maximum burden ratio of the customer for calculation of the storage agent fee charged by the customer. A storage agent system according to claim 2 is provided.
4. The invention according to claim 4, wherein the total amount of the storage agency fee is a predetermined fixed amount or an amount of a predetermined ratio with respect to a purchased product. A storage agent system is provided.
In the present invention according to claim 5, the storage agency system according to any one of claims 1 to 4, further comprising a customer credit calculation unit for obtaining a customer credit recorded in the customer database. .
6. The invention according to claim 6, wherein the customer credit quality calculating means obtains the credit quality with reference to at least one of customer attributes, customer purchase history information, and payment status. Provide a storage agent system.
The storage agent system according to any one of claims 1 to 6, further comprising EC site reliability calculation means for obtaining a credit rating of an EC site recorded in the EC site database. I will provide a.
The invention according to claim 8 is characterized in that the EC site trustworthiness calculating means obtains the trustworthiness with reference to at least one of an evaluation value by a customer and an evaluation value of a shipment status of a product. The storage agent system described is provided.
The invention according to claim 9 is provided with trust determination means for checking the reliability of each EC site in advance and determining whether the reliability is equal to or higher than a reference value. The storage agent system described in 1. is provided.
According to the tenth aspect of the present invention, at least a customer who accesses the EC site from the user terminal is connected to both the user terminal and the EC site via a communication means, and performs a storage for the purchase price in online shopping. A computer program installed in a computer on which a customer database in which the attributes and credit ratings of the customer are recorded and an EC site database in which the credit ratings of the EC site are recorded are formed;
A customer identifying means for identifying a customer who is accessing the EC site;
The credit of the customer specified by the customer specifying means is read from the customer database, the credit of the EC site accessed by the customer is read from the EC site database, and the credit of the customer and the credit of the EC site are used. A storage agent fee calculating means for calculating a storage agent fee borne by the customer and a storage agent fee borne by the EC site,
A charge information transmitting unit configured to transmit a storage agent fee charged by the customer calculated by the storage agent fee calculation unit to the user terminal and to transmit a storage agent fee charged by the EC site to the EC site; Provide a computer program.
In the present invention according to claim 11, the storage agency fee calculation means uses a burden ratio defined based on the creditworthiness of the customer and the creditworthiness of the EC site, respectively, and the storage agency fee of the customer burden and the EC site burden. 11. The computer program according to claim 10, wherein a storage agency fee is calculated.
In the present invention according to claim 12, the maximum burden ratio of the customer set so as to increase as the creditworthiness of the EC site becomes higher is defined in correspondence with the burden ratio of the EC site,
The storage agent fee calculation means uses a smaller one of the burden ratio according to the creditworthiness of the customer and the maximum burden ratio of the customer for calculation of the storage agent fee charged by the customer. A computer program according to claim 11 is provided.
In the present invention according to claim 13, the computer program according to any one of claims 10 to 12, further comprising customer credit calculation means for obtaining the credit of the customer recorded in the customer database.
14. The invention according to claim 14, wherein the customer credit calculation means obtains credit by referring to at least one of customer attributes, customer purchase history information, and payment status. Provide a computer program.
The computer program according to any one of claims 10 to 14, wherein the computer program according to any one of claims 10 to 14, further comprising EC site reliability calculation means for obtaining a reliability of an EC site recorded in the EC site database. provide.
16. The invention according to claim 16, wherein the EC site reliability calculation means obtains the reliability by referring to at least one of an evaluation value by a customer and an evaluation value of a shipment status of a product. A computer program as described is provided.
In the present invention as set forth in claim 17, it further comprises trust judging means for preliminarily checking the trustworthiness of each EC site and judging whether or not the trustworthiness is equal to or higher than a reference value. The computer program described in 1. is provided.

  The present invention has a storage agent fee calculation means for calculating a storage agent fee borne by the customer and a storage agent fee borne by the EC site, respectively, using the creditworthiness of the customer and the creditworthiness of the EC site. In other words, both the customer and the EC site have a configuration in which the burden of the commission paid to the storage agency service provider is reduced if the reliability is high. As a result, in order to reduce this burden, customers endeavor to make payments for purchases to increase their creditworthiness, and the EC site reduces the occurrence of out-of-stock items, It is expected that efforts will be made to improve the credibility, such as quickly preparing for shipping. As a result, the credibility of both the customer and the EC site (product provider) is increased, the safety of online shopping is increased, and the fee income of the storage service provider is also stabilized.

  Hereinafter, embodiments of the present invention will be described in more detail with reference to the drawings. FIG. 1 is a schematic diagram for explaining an outline of a storage agent system 10 according to an embodiment of the present invention. The storage agent system 10 includes an independent computer including a control unit 11 such as a CPU. The storage agent system 10 includes a user terminal 200 used by a customer and a computer (product providing server) 300 of various product providers operating an EC site. It is connected via communication means such as the Internet.

  In the storage agent system 10, each product providing server 300 operating the EC site needs to perform registration in advance to use the storage agent. Therefore, the storage agent system 10 has a mechanism that can be used only by the user terminal 200 (customer) who uses the registered product providing server 300 (EC site).

  A customer database (customer DB) 12 and an EC site database (EC site DB) 13 are formed in the storage unit of the computer constituting the storage agent system 10. In addition, a customer specifying unit 15, a storage agency fee calculating unit 16, a fee information transmitting unit 17, and the like, which are computer programs, are installed. These computer programs are provided by being stored in a recording medium such as a flexible disk, a hard disk, a CD-ROM, an MO (magneto-optical disk), a DVD-ROM or the like carrying a program that cannot occupy space by itself. It can also be transmitted to another computer through a communication line.

  As shown in FIG. 2, the customer database 12 includes a name, an address, a gender, an age for identifying an individual customer, an ID number, a password, an occupation, an annual income, etc. for accessing the product providing server 300 for shopping. Individual customer attribute (customer attribute) information is stored. For each customer, in addition to the number of online shopping purchases, the cumulative purchase price, the purchase limit, and the purchased product, the trust (credit rating) of the customer is stored. For example, customer no. In the case of “Patent Taro” of 0001, it is defined as “trust (credit rating): 2”. In the case of “Trademark Ichiro” of 0003, “trust (credit rating): 5” is defined. Although a method for calculating the customer trust (credit rating) will be described later, this trust (credit rating) is also updated and rewritten every time shopping is performed because the history is also referred to.

  As shown in FIG. 3, the EC site database 13 stores “user evaluation trust”, “shipping trust”, and “EC site trust” corresponding to the EC site number (EC site number) and the site name. ing. The “user evaluation trust” is an evaluation value by the customer of the EC site sent from the customer after the customer uses the EC site. For example, the value is a value made up of a numerical value, a symbol, or the like evaluated by the customer based on the quality of the acquired product, the time until the product arrives, and the like. “Shipment trust” is an evaluation value related to the delivery status, such as how long it took to send the product from the EC site to the customer. For example, after the customer decides to purchase the product, the shipping company requests the product to be shipped. The evaluation value is whether or not the time until the time of receiving was short. Therefore, for example, if the time required to receive a shipping request is longer than necessary, the stock preparation status at the EC site is insufficient, and the creditworthiness of the EC site is evaluated low. Although details of the EC site trust (credit rating) calculation method will be described later, this trust (credit rating) is also updated and rewritten as needed.

  The customer specifying unit 15 acquires information for specifying a customer such as a customer ID and a password when the customer accesses one of the EC sites (the product providing server 300) by operating the user terminal 200.

  The storage agency fee calculation means 16 first accesses the customer database 12 to read the customer trust (credit rating) specified by the customer specifying means 15, and also reads the EC site trust (credit rating) accessed by the customer into the EC site. Read from database 13. Then, a storage agent fee borne by the customer and a storage agent fee borne by the EC site are calculated. Specifically, when the customer's trust (credit level) is divided into seven stages of “customer trusts 1 to 7 (the lower the credit level, the smaller the value)” as shown in FIG. The burden ratio of “Customer Trust 1” (customer fee) is 7%, the trust ratio of “Customer Trust 4” with higher credit rating (customer fee) is 4%, and the burden ratio of “Customer Trust 7” with highest credit rating ( Customer fee) can be set to 1%.

  For example, as shown in FIG. 4B, the EC site trust (credibility) is set in eight stages of “EC site trusts 1 to 8”. For example, in the case of “EC Site Trust 1” with the lowest credit quality, the EC site burden ratio (EC site side fee) is 10% (shown as “replacement fee 10%” in the figure), and “EC In the case of “Sitetrust 4”, the burden ratio is 7% (indicated as “replacement fee 7%” in the figure), and in the case of “EC Sitetrust 8” having the highest credit rating, the burden ratio is 3% (in the figure “replacement fee 3” % ”).

  Further, as shown in FIG. 4C, it is desirable that the maximum burden ratio of the customer is specified together with the burden ratio of the EC site for each EC site trust (credibility). The maximum customer burden ratio is set so as to increase as the EC site credibility increases, that is, as the EC site burden ratio decreases. FIG. 4C shows an example of this, “EC site trust 1”: EC site burden ratio (EC site side fee) of 10%, while the customer's highest burden ratio is 0%, “EC site trust 4”. : EC site burden ratio 7%, customer maximum burden ratio 3%, "EC site trust 8": EC site burden ratio 3%, customer maximum burden ratio 7% It is prescribed.

  The customer's maximum burden ratio shown in Fig. 4 (c) specifies the maximum amount of the storage agent fee that the customer bears against the storage agent fee that each EC site bears. This is to prevent the burden ratio from exceeding. As a result, the storage agency fee calculation means 16 calculates the storage agency fee to be borne by the EC site using a 6% burden ratio, for example, when purchasing a product at the EC site of the EC site trust 5. When calculating the storage agency fee to be borne by the customer, first, the customer's maximum burden ratio of 4% as shown in FIG. 4 (c) and the burden determined according to the customer's credit rating as shown in FIG. 4 (a) The ratio is compared, and the smaller value is used to calculate the storage charge for the customer. For this reason, 4% of the maximum burden ratio with a smaller value is uniformly applied to the customers of customer trusts 3 to 1, even though the burden ratio according to the trust (credit rating) is 5 to 7%. For the customer who is calculated and has a burden ratio of 4 to 1% of the customer trusts 4 to 7, the burden ratio of 4 to 1% corresponding to the trust (credit rating) is applied as it is, not the highest burden ratio. Note that if the share ratio based on the customer trust and the maximum share ratio are the same, it does not change regardless of which one is used. As a result, even though the actual burden ratio of the customer may be lower than the burden ratio according to the trust (credit level) of the customer, a high value is not imposed. The relationship between the trust value and the burden ratio shown in FIGS. 4A to 4C is set as a table in the storage unit of the computer, and the storage agency fee calculation means 16 reads the table and performs the calculation. You may make it perform, and you may make it incorporate those numerical values in the program itself which comprises the storage agency fee calculation means 16. FIG.

  Here, the total amount of the storage agent fee borne by the EC site and the customer may be, for example, a fixed amount agreed between the EC site and the service provider that performs the storage agent. A predetermined amount may be determined, and a different amount may be used for each purchased product calculated by multiplying the price of the product purchased by the customer by the ratio. Further, when the price of the product purchased by the customer is equal to or greater than a predetermined amount, the EC site side has a large profit. Therefore, the storage agent fee to be borne by the customer is uniformly calculated to be equal to or less than the predetermined amount (for example, 0 yen). Can also be set. Conversely, if the customer purchases a storage agency fee when the price of the product purchased by the customer is less than or equal to the specified amount, the burden of the storage agency fee on the purchase amount will increase, and the customer's willingness to purchase may be reduced. Therefore, even in that case, it is possible to set so that the storage agent fee borne by the customer is uniformly calculated to be equal to or less than a predetermined amount (for example, 0 yen). In any case, these can be arbitrarily defined between the service provider performing the storage agent and the operator of the EC site.

  The charge information transmitting unit 17 transmits the customer-paid storage agent fee calculated by the storage agent fee calculating unit 16 to the user terminal 200 via the merchandise providing server 300 of the EC site accessed by the customer. Normally, when a customer decides a product to be purchased on the EC site and shifts to a settlement screen, a storage agent fee borne by the customer is calculated by the storage agent fee calculation means 16, and together with the purchase amount of the product, a storage agent fee Will be displayed on the user terminal 200.

  In the storage unit of the computer constituting the storage agent system 10 of the present embodiment, a customer credit calculation unit 18 and an EC site credit calculation unit 19 are further set as a computer program (see FIG. 1).

  The customer credit calculation means 18 obtains the customer credit (trust) by referring to the customer attributes and the customer purchase history information. Specifically, as shown in FIG. 1, a storage unit of a computer constituting the storage agent system 10 is provided with a credit calculation table 20 for calculating a customer's credit (trust). The means 18 refers to the credit level calculation table 20 and calculates the credit level (trust) of the customer. As shown in FIG. 1, the credit calculation table 20 further includes a customer attribute point table 20a, a purchase history / payment status point table 20b, and a customer trust table 20c.

  As shown in FIG. 5 (a), the customer attribute point table 20a is an arbitrary item in the customer attributes of each customer stored in the customer database 12, for example, any of annual income, occupation, age, and gender. Or at least one item. In this embodiment, points related to annual income and occupation are set. For example, annual income points are 10 points for less than 2 million, 25 points for 5 million to less than 6 million, and 30 points for 10 million or more. Has been granted. Occupation points are given as 20 points for managers, 18 points for company employees, and 13 points for part-time jobs.

  The purchase history / payment status point table 20b is a table in which purchase history information and payment status of each customer stored in the customer database 12 are pointed as shown in FIG. The purchase history information includes the number of purchases, the purchase price, the type of purchased product, etc., and any of these points is optional, but in this embodiment, the number of purchases and the purchase price are respectively set. It has become a point. The higher the number of purchases, the higher the number of purchases, and the higher the purchase amount, the higher the points. The payment status is further divided into “payment status point I” and “payment status point II” so that the payment status is pointed as accurately as possible.

  The “payment status point I” is converted into points in consideration of the past number of transactions and the number of payment arrears. For example, “A” is 30 points when transactions are 15 times or more and there is no past transaction arrears, and “B” is 25 points when transactions are past 10 to 14 times and there is no past transaction arrears. 20 points are given as “C” when there is no transaction arrears (with past transaction arrears: 3 times or less), and 5 points are given as “F” for the first transaction. “Payment status point II” is obtained by subtracting the number of days overdue for each transaction as a minus point. For example, if the number of days past due is 50 or more, “−30 points” is set. If the number of days past due is less than 30 to 35, “−20 points” is set. Yes.

  As shown in FIG. 5C, the customer trust table 20c defines the relative relationship between the total points of each customer obtained by referring to the point tables 20a and 20b and the trust (credit rating). . The higher the total score is, the higher the trust (credit) value is set, and this value is written in the “trust (credit)” field of the customer database 12 for each shopping or It is recalculated and updated every predetermined period.

  The calculation of trust (credit) by the customer credit calculation means 18 is performed as follows. First, the customer is identified from the ID of the customer who is accessing the EC site, the customer's annual income and occupation are read from the customer database 12, and the customer attribute point table 20a is referenced to calculate points based on the customer attribute. Similarly, the number of purchases, the purchase amount, and the payment status are read from the customer database 12, and points are calculated with reference to the purchase history / payment status point table 20b. Then, the points based on the customer attributes and the points based on the purchase history / payment status are summed, and the value of the customer trust (credit rating) is determined from the total points using the customer trust table 20c.

  For example, in the case of a company employee with an annual income of 9 million yen, points based on customer attributes are “29 points + 18 points = 47 points”. If the number of purchases of this company employee is 25, the purchase amount is 400,000 yen, the number of transactions is 10 and there is no past transaction arrears, the points based on the purchase history / payment status are “7 points + 8 points + 25 points = 40 points” Become. Since the total point of both is “87 points”, a trust (credit rating) value “6” is obtained from the customer trust table 20c. Similarly, if a manager with an annual income of 10 million yen purchases 12 times, purchase amount 700,000 yen, past transaction arrears 1 time, and 30 days past due, 30 points + 20 points + 6 points + 10 points + 3 The score is “20 points = 49 points”, and the trust (credibility) value is “4”. In addition, in the case of a customer registered for the first time, a maximum of 50 points of customer attributes are given, but 5 points in the “F” column of “payment status point I” are given as points regarding purchase history / payment status. Therefore, the total number of points is 55 at the maximum, starting from the trust (credit rating) value “4”. It should be noted that the above-described method for determining the number of points and the value of trust (reliability) is merely an example, and it is a matter of course that any value can be set. In addition, for example, in the above description, points are considered in consideration of all of customer attributes, purchase history, and payment status, but any one of them is pointed, customer attributes and purchase history, customer attributes It is also possible to make a point by arbitrarily combining two pieces of information such as the payment status, purchase history and payment status. Of course, information other than these can also be used as long as it is suitable for the evaluation of customer trust (creditworthiness). However, since the customer credit level calculation means 18 is intended to evaluate the customer's trust (credit level) when purchasing the product, it includes at least one of the customer attribute, purchase history, and payment status in the evaluation item. Furthermore, it is more preferable that two or more of these are included in the evaluation items.

  As shown in FIG. 3, the EC site trustworthiness calculation means 19 uses the EC site evaluation value (user evaluation trust) by the customer and the evaluation value (shipment trust) of the shipment status of the product to provide an EC site trust (credit rating). ). The evaluation value (user evaluation trust) of the EC site by the customer is the credit rating of the EC site transmitted from the customer who purchased the product as described above, but the evaluation value is transmitted from a plurality of customers for one EC site. Therefore, the EC site reliability calculation means 19 calculates an average value of evaluation values transmitted for a certain period for each EC site and records it in the EC site database 13. The evaluation value (shipment trust) of the shipment status of the product is an evaluation by a carrier or the like as described above. For example, if the customer makes a purchase request to the shipping company by the next day, 8 points will be given, and after that, every time they will be sent one day, points will be deducted by 1 point. The calculating means 19 calculates the average value of these points over a certain period and records it in the “shipping trust” column of the EC site database 13. The EC site reliability calculation means 19 further obtains an average value of the evaluation value (user evaluation trust) of the EC site by the customer and the evaluation value (shipment trust) of the shipment status of the product, and obtains the trust (credit rating) of each EC site. Calculate and record in the “EC site trust” column of the EC site database 13. For example, as shown in FIG. The trust (credibility) of 0002 is calculated as (user evaluation trust (4 points) + shipping trust (8 points)) / 2 = 6 points. The EC site reliability calculation means 19 preferably uses both the evaluation value (user evaluation trust) of the EC site by the customer and the evaluation value (shipment trust) of the shipment status of the product as in this embodiment. EC site trust (credibility) may be obtained using either one of the evaluation values. Moreover, you may use the other parameter | index which can evaluate the reliability of EC site objectively.

  Next, based on FIG. 6, a mechanism for using the storage agent system 10 of the present embodiment will be described. First, in order for a customer to use the storage agent system 10, the EC site (product provision server 300) on which shopping is to be performed needs to be registered in the storage agent system 10 (A in FIG. 6). When a customer accesses the registered EC site and transmits decision information for purchasing a product (B in FIG. 6), the service provider operating the storage agent system 10 or an external contract with the service provider in advance. The purchase price is paid in advance from the financial institution to the EC site (C in FIG. 6). Further, the customer is notified of the purchase fee and the amount of the storage agent fee from the storage agent system 10 (D in FIG. 6). After receiving the advance payment, the EC site sends a predetermined product to the customer (E in FIG. 6). After receiving the product, the customer pays the purchase fee and the storage agent fee to the service provider who operates the storage agent system 10 (F in FIG. 6). Thereafter, at an arbitrary timing, for example, once a month, the storage agency fee paid by the EC site is paid from the EC site to the service provider operating the storage agency system 10 (FIG. 6). G).

  In other words, the service provider that operates the storage agent system 10 has a mechanism for reimbursing the purchase amount by trusting the customer and the EC site. To establish this mechanism, the trust of the customer and the EC site ( It is necessary to accurately evaluate the trustworthiness), and the settlement of the final product purchase to determine whether the trust of the customer and EC site (creditworthiness), especially the trust of the EC site (creditworthiness) is below a predetermined standard value. Before the procedure is complete, it should preferably be checked regularly. Therefore, it is preferable that the storage agent system 10 is provided with trust determination means 21 which is a computer program for the storage agent system 10 (see FIG. 1). If the trust determination means 21 determines that the trust (creditworthiness) of the EC site does not satisfy the standard value, transactions with the EC site that are different from the standard application service are not applicable. Done. For example, a replacement payment from the service provider of the storage agency system 10 to the EC site is not performed, and after the purchase amount from the customer is deposited, the payment is made to the EC site. It should be noted that on the EC site side, there is an urgent need to resolve such a situation as soon as possible, so we can expect efforts to improve the quality of products, shipping conditions, etc., and increase our own trust (creditworthiness). You can increase the safety of online shopping.

  Next, the online shopping process using the storage agent system 10 of this embodiment will be described with reference to FIG. First, a customer accesses a desired EC site (product provision server 300) from the user terminal 200 and inputs an ID and a password (S101). When a customer is specified by an ID and password on the EC site, the user can log in to the EC site (S102, S103). When the customer decides to purchase a desired product, the product purchase decision information is transmitted from the user terminal 200 to the EC site (S104). Then, for example, the display screen of the user terminal 200 shifts to a payment screen. When the EC site (the product providing server 300) receives the product purchase decision information, the EC site (product providing server 300) transmits the product information, customer ID, and password to the storage agent system 10 (S105). The login information such as the customer ID and password may be transmitted to the storage agent system 10 at the stage of logging in to the EC site.

  In the storage agent system 10, the customer specifying unit 15 specifies the customer from the customer database 12 using the ID and password. Further, the storage agent fee calculation means 16 determines whether or not the purchase price of the product for which the customer has decided to purchase is equal to or greater than a predetermined amount (S106). In this example, the storage agent fee calculation means 16 is set so that the storage agent fee (customer fee) borne by the customer is uniformly the minimum fee (for example, 0 yen) when the purchase amount is less than the predetermined amount. The total amount of the storage agent fee negotiated between the EC site and the storage service provider is calculated by subtracting this minimum fee as the storage agent fee (replacement fee) borne by the EC site. (S107). When the purchase amount is equal to or larger than the predetermined amount, the storage agent fee calculation means 16 stores the respective storage agent fees (EC site side storage) corresponding to the EC site trust (EC site credit rating) and the customer trust (customer credit rating). A “replacement fee” which is an agency fee and a “customer fee” which is a storage agency fee on the customer side) are obtained (S108).

  Thereby, as described above, the storage agency fee is calculated according to the respective trust (credit rating) for both the customer and the EC site. In particular, the storage agency fee (customer fee) that is borne by the customer, as described above, is imposed more than the burden ratio according to the customer's trust (credit rating) regardless of which EC site is used. This means that customers can enjoy shopping with peace of mind. Further, for example, when the trust (credit rating) of the EC site is low such as “EC site trust 2: replacement fee 9%”, the maximum burden ratio of the customer is 1%. Can use the EC site at a 1% burden ratio (see FIG. 4C). If you use an EC site with a low customer burden ratio, the storage agent fee (customer fee) will be low, so it will be easier for customers to shop, and this will be stored in the history information as purchase results. By doing so, it is possible to increase customer trust (creditworthiness) more quickly. In addition, the EC site can be expected to increase the ability to attract customers, and it will be an opportunity to improve the trust (creditworthiness) of the EC site at an early stage by accumulating product quality, securing inventory, and prompt shipment. .

  The storage agency fee calculation means 16 calculates each storage agency fee for the customer and the EC site, and then determines whether or not the purchase amount of the customer exceeds the limit prescribed in the customer database 12 (S109). If the limit is exceeded, the customer's user terminal 200 is notified that the transaction is not possible (S110).

  On the other hand, if the limit is not exceeded, it is determined by the trust determination means 21 whether or not the trust (credibility) of the EC site is equal to or greater than a reference value (S111). When the standard value is not satisfied, the system is operated according to a non-applicable standard (for example, payment is not made after payment of the purchase amount from the customer without making an advance payment to the EC site) (S112). When it is determined that the value is equal to or greater than the reference value, an instruction notification for transferring the purchase amount to the EC site is sent from the storage agency system 10 to the predetermined financial institution 400 (S113). Further, billing information for the storage agent fee (replacement fee) calculated by the storage agent fee calculation means 16 is transmitted to the EC site (S114).

  Whether the EC site trust (credit rating) is higher than the reference value or not, the customer information storage agent calculated by the storage agent fee calculation unit 16 by the fee information transmission unit 17 continues from the above. The commission is transmitted to the user terminal 200 together with the purchase price of the product via the product providing server 300 of the EC site accessed by the customer (S115, S116). When the customer selects installment payment, the monthly repayment amount is calculated in S115, and the information is transmitted to the user terminal 200 (S116). Next, the purchase history information recorded in the customer database 12 is updated, and the process ends (S117). Thereafter, the customer pays the purchase agent and the storage agent fee (customer fee) for the customer's share to the service provider of the storage agent system 10 in a batch or divided form. The EC site pays a storage agency fee (replacement fee) for the EC site. Then, as described above, the customer trustworthiness calculation means 18 calculates and updates the customer trust (creditworthiness) based on the customer's payment status and the like, and the EC site creditworthiness calculation means 19 performs the update of the EC site. Trust (credit rating) is calculated and updated.

It is the schematic which showed the structure of the storage agent system which concerns on one Embodiment of this invention. An example of the customer database set to the said storage agent system is shown. It shows an example of an EC site database set in the storage agent system. FIG. 4A is a table showing an example of a correspondence relationship between the customer's credit rating (customer trust) and the customer's share of the storage fee (customer fee), and FIG. 4B shows the EC site's credit rating. (EC Site Trust) is a table showing the correspondence between the EC site-side storage fee (replacement fee), and Fig. 4 (c) shows the EC site-side storage fee (replacement fee) and the customer's highest burden. It is a table | surface which shows the correspondence with a ratio. FIG. 5A shows an example of a customer attribute point table, FIG. 5B shows an example of a purchase history / payment status point table, and FIG. 5C shows an example of a customer trust table. It is. FIG. 6 is a diagram for explaining a mechanism for using the storage agent system. FIG. 7 is a diagram for explaining a process of online shopping using the storage agent system.

Explanation of symbols

10. Storage agent system 11. Control means 12. Customer database (customer DB)
13 EC site database (EC site DB)
DESCRIPTION OF SYMBOLS 15 Customer specification means 16 Storage agency fee calculation means 17 Fee information transmission means 18 Customer credit calculation means 19 EC site credit calculation means 20 Credit calculation table 21 Trust determination means 200 User terminal 300 Product provision server

Claims (17)

A storage agent system that is connected to both a user terminal and an EC site via a communication means, and performs a storage agent for purchase prices in online shopping,
A customer database in which attributes and credibility of customers accessing the EC site from the user terminal are recorded;
An EC site database in which the credit rating of the EC site is recorded;
A customer identifying means for identifying a customer who is accessing the EC site;
The credit of the customer specified by the customer specifying means is read from the customer database, the credit of the EC site accessed by the customer is read from the EC site database, and the credit of the customer and the credit of the EC site are used. A storage agent fee calculating means for calculating a storage agent fee borne by the customer and a storage agent fee borne by the EC site,
A charge information transmitting unit configured to transmit a storage agent fee charged by the customer calculated by the storage agent fee calculation unit to the user terminal and to transmit a storage agent fee charged by the EC site to the EC site; Storage agent system.   The storage agency fee calculation means calculates a customer-paid storage agency fee and an EC site-paid storage agency fee using a burden ratio defined based on the creditworthiness of the customer and the creditworthiness of the EC site, respectively. The storage agent system according to claim 1. Corresponding to the burden ratio of the EC site, the maximum burden ratio of the customer set to be higher as the trustworthiness of the EC site is higher is defined.
The storage agent fee calculation means uses a smaller one of the burden ratio according to the creditworthiness of the customer and the maximum burden ratio of the customer for calculation of the storage agent fee charged by the customer. The storage agent system according to claim 2.   The storage agent system according to any one of claims 1 to 3, wherein the total amount of the storage agent fee is a predetermined fixed amount or an amount of a predetermined ratio with respect to a purchased product.   The storage agent system according to any one of claims 1 to 4, further comprising customer credit calculation means for calculating a customer credit recorded in the customer database.   6. The storage agent system according to claim 5, wherein the customer credit level calculation means obtains the credit level with reference to at least one of customer attributes, customer purchase history information, and payment status.   The storage agency system according to any one of claims 1 to 6, further comprising EC site reliability calculation means for obtaining a credit rating of an EC site recorded in the EC site database.   8. The storage agency system according to claim 7, wherein the EC site credit quality calculating means obtains the credit quality with reference to at least one of an evaluation value by a customer and an evaluation value of a shipment status of a product.   The storage agency system according to any one of claims 1 to 8, further comprising a trust determination unit that checks the reliability of each EC site in advance and determines whether the reliability is equal to or higher than a reference value. A customer who is connected to both the user terminal and the EC site via a communication means and stores the purchase price in online shopping, and at least the customer's attributes and credits for accessing the EC site from the user terminal are recorded. A computer program installed in a computer on which a database and an EC site database in which the trustworthiness of the EC site is recorded are formed;
A customer identifying means for identifying a customer who is accessing the EC site;
The credit of the customer specified by the customer specifying means is read from the customer database, the credit of the EC site accessed by the customer is read from the EC site database, and the credit of the customer and the credit of the EC site are used. A storage agent fee calculating means for calculating a storage agent fee borne by the customer and a storage agent fee borne by the EC site,
A charge information transmitting unit configured to transmit a storage agent fee charged by the customer calculated by the storage agent fee calculation unit to the user terminal and to transmit a storage agent fee charged by the EC site to the EC site; Computer program.   The storage agency fee calculation means calculates a customer-paid storage agency fee and an EC site-paid storage agency fee using a burden ratio defined based on the creditworthiness of the customer and the creditworthiness of the EC site, respectively. The computer program according to claim 10. Corresponding to the burden ratio of the EC site, the maximum burden ratio of the customer set to be higher as the trustworthiness of the EC site is higher is defined.
The storage agent fee calculation means uses a smaller one of the burden ratio according to the creditworthiness of the customer and the maximum burden ratio of the customer for calculation of the storage agent fee charged by the customer. The computer program according to claim 11.   The computer program according to any one of claims 10 to 12, further comprising customer credit calculation means for obtaining customer credit recorded in the customer database.   14. The computer program product according to claim 13, wherein the customer credit quality calculating means obtains the credit quality with reference to at least one of customer attributes, customer purchase history information, and payment status.   The computer program according to any one of claims 10 to 14, further comprising EC site reliability calculation means for obtaining a credit rating of an EC site recorded in the EC site database.   16. The computer program according to claim 15, wherein the EC site credit quality calculating means obtains the credit quality with reference to at least one of an evaluation value by a customer and an evaluation value of a shipment status of a product.   The computer program according to any one of claims 10 to 16, further comprising a trust determination unit that checks the reliability of each EC site in advance and determines whether the reliability is equal to or higher than a reference value.

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