JP2002342684A - Method and program for supporting escrow settlement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To promote the activation of a transaction market by enabling many users to use an escrow settlement. SOLUTION: An escrow settlement supporting server monitors whether money has been received from a person burdened with payment and whether information on a loan contract award is given. When confirming that the money has been received from the person burdened with payment and the information on the loan contract award is received, the server input an amount equivalent to a loan object fund to its own designated account and performs escrow settlement performance processing after this. Namely, when receiving the information on the loan contract award, the server pays the loan object fund for a buying user and it is considered that the loan object fund is inputted from a buying user. Thus, a state where the escrow settlement processing can be continued is formed. Thus, the loan object fund from a loan provider is utilized at an early stage and the escrow settlement procedure can be continued.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an escrow settlement support method and an escrow settlement support method that can be used even in a case where the purchase funds are insufficient in a third-party deposit settlement in a sales contract for an article such as an automobile. Related to payment support programs.

[0002]

2. Description of the Related Art For example, when a sales contract for an article such as a car or jewelry is concluded by an online auction or the like, the parties are required to pay a purchase price to the seller and to deliver the article to be sold to the buyer. If it is performed directly, there is a danger that troubles such as not receiving money even though the goods are sent, or not sending goods even though the money is received may occur. In order to prevent such troubles, in recent years, services using a settlement method called third party deposit settlement have been provided using the Internet. Third-party deposit settlement is a method in which a third party other than the parties temporarily deposits the purchase price from the buyer, confirms that the seller has delivered the goods to be sold to the buyer, and then reduces the deposited purchase price. This is a payment method that pays the seller.

[0003]

In the conventional electronic commerce system provided for performing the above-mentioned third-party deposit settlement, the buyer must pay the amount of the transaction to a third-party account in advance. No. Therefore, if the buyer cannot immediately prepare the purchase fund, the buyer cannot make payment using the third-party deposited payment. For this reason, users who can use the third-party deposit settlement are limited, and there is a problem that it is difficult for many people to perform secure transactions using the third-party deposit settlement. Was.

[0004] Further, it is considered that there are many cases in which the purchase of the article itself has to be abandoned because the third party deposit settlement cannot be used. in this way,
There is also a problem that the activation of the trading market is suppressed as a result of the restriction on the users who can use the third-party deposited payment. In particular, in the interpersonal transaction market, it is considered to be a serious adverse effect in activating the market.

Accordingly, the present invention provides an escrow settlement support method and an escrow settlement support program that enable many users to use a third-party deposit settlement and promote the activation of a transaction market. The purpose is to do.

[0006]

An escrow settlement support method according to the present invention performs settlement between parties who have concluded an article sales contract. Specifically, a server (for example, the escrow payment support server 11) receives an application for escrow payment from a party and an application for use of a loan related to the purchase of an article via a communication network. Next, the server requests the conclusion of a loan contract for a part or all of the required settlement amount including the sales amount of the article, and monitors whether or not the loan contract has been concluded. Then, the server is configured so that when the loan contract is concluded, the loan target amount is paid out as part or all of the required settlement amount.

[0007] When an application for loan use is received for a part of the required settlement amount, the server requests payment for another part of the required settlement amount. Next, the server monitors whether another part of the required payment amount has been received. Then, the server is configured so that, when the loan contract is concluded and another part of the required settlement amount is deposited, the loan target amount is paid in advance, and it is determined that the required settlement amount has been deposited. It may be.

The escrow settlement support method according to the present invention performs settlement between parties who have concluded a sales contract for an article. Specifically, the server (for example, the escrow payment support server 11) receives an application for escrow payment from a party and an application for use of the purchase guarantee amount allocation service in the purchase of goods via the communication network. Next, the server requests a confirmation as to whether or not the purchase guarantee is effectively established for another article owned by the buyer. Then, when the server confirms that the purchase guarantee is validly established, a part or all of the purchase guarantee amount is paid in advance as part or all of the settlement required amount including the sales amount of the article. It is what was constituted.

[0009] When an application for the purchase guarantee amount allocation service is received for a part of the required settlement amount, the server requests payment of another part of the required settlement amount. Next, the server monitors whether another part of the required payment amount has been received. Then, when the server confirms that the purchase guarantee is validly established and another part of the settlement required amount is received,
A configuration may be made in which part or all of the purchase guarantee amount is paid in advance, and it is determined that the required settlement amount has been paid.

[0010] The server accepts an application for confirming the actual product through the communication network. Next, a request is made to store the article at the physical confirmation place, and a deposit of a confirmation amount required for the physical confirmation of the article is requested. Then, it may be configured to instruct execution of physical confirmation of the article in response to the payment of the confirmation amount. In this case, when the server determines that the required payment amount has been received, the server may be configured to perform a payment process of the sales price to the seller.

An escrow settlement support program according to the present invention is for performing settlement between parties who have concluded a sales contract for an article. Specifically, it causes the computer (the escrow payment support server 11) to execute a step of receiving an application for escrow payment from a party transmitted through the communication network and an application for use of a loan related to the purchase of an article. Next, the computer is caused to execute a step of requesting the conclusion of a loan contract for a part or all of the required settlement amount including the sales amount of the article, and a step of monitoring whether or not the loan contract has been concluded. . Then, when a loan contract is concluded, the computer is configured to execute a step of reimbursing the loan target amount as part or all of the required settlement amount.

Further, an escrow settlement support program according to the present invention is for performing settlement between parties who have concluded a sales contract for an article. Specifically, the computer (the escrow payment support server 11) executes a step of receiving, via a communication network, an application for escrow payment from a party and an application for use of a purchase guarantee amount allocation service in the purchase of an article.
Next, the computer is caused to execute a step of requesting a confirmation as to whether or not the purchase guarantee is validly established for another article owned by the buyer. Then, when the computer confirms that the purchase guarantee is effectively established, a part of or all of the purchase guarantee amount is paid in advance as part or all of the settlement required amount including the sales amount of the article. Is executed.

[0013]

FIG. 1 is a block diagram showing a configuration example of an escrow settlement support system 10 according to an embodiment of the present invention. FIG. 2 is an explanatory diagram showing an example of the flow of an escrow payment process (a process including an escrow payment preparation process and an escrow payment execution process described later) according to an embodiment of the present example. Note that FIG. 2 mainly shows a moving state of an article (here, an automobile) to be traded in the escrow settlement process. In this example, between the seller and the buyer who have concluded the sales contract for the car, the exchange of the car to be traded with the purchase price is performed by an escrow account (third party deposit settlement: a third party intervenes, A description will be given of an example in which a method and a mechanism of payment for securely exchanging a trade object and a trading value between a seller and a buyer (hereinafter, referred to as “escrow payment”).

As shown in FIG. 1, an escrow settlement support system 10 of the present embodiment includes an escrow settlement support server 11.
, A sale user terminal 12, a purchase user terminal 13, a loan provider terminal 14, and a carrier terminal 15.
Escrow settlement support server 11, sale user terminal 12,
The purchase user terminal 13, the loan provider terminal 14, and the carrier terminal 15 are each connected to a communication network 20, such as the Internet.

The escrow payment support server 11 is managed by an escrow operator that operates an online escrow site. The escrow operator is a company that provides a service for securely performing transactions between the parties by escrow settlement. The escrow settlement support server 11 is an Internet server that accepts applications from parties (buyers and sellers), and is also a terminal device used for inputting various information by an escrow operator as needed. The escrow site is a site for executing various processes related to escrow settlement such as an application for escrow settlement.

Further, the escrow settlement support server 11
It has a database (not shown) that stores various information used for performing the escrow settlement of this example. In the database, for example, customer information such as the name and email address of the buyer and seller, contract information about the contents of the sales contract such as the purchase price, transport information for transporting vehicles such as the location and date of delivery of the vehicle, Various types of information such as progress information indicating the progress of the escrow settlement procedure (whether a loan contract has been concluded, whether or not a scheduled payment amount has been received, etc.) are stored.

The sale user terminal 12 is composed of, for example, an information processing device such as a personal computer, and is managed by a seller (sale user) who has made a sales contract for a car. The purchase user terminal 13 is composed of, for example, an information processing device such as a personal computer, and is managed by a buyer (purchase user) who has made a car sales contract. Sale user terminal 12 and purchase user terminal 13
Each has an environment (for example, a browser or the like) in hardware and software for performing various processes (for example, browsing a homepage) by connecting to the network 20.

The loan provider terminal 14 is composed of, for example, an information processing device such as a personal computer, and is managed by a financing institution (for example, a bank, a credit company, a consumer finance, etc.) that provides a loan as a business.
The carrier terminal 15 is composed of, for example, an information processing device such as a personal computer, and is a vehicle carrier (carrier) that picks up, transports, stores, and delivers a car.
Managed by The loan provider terminal 14 and the carrier terminal 15 each have an environment (for example, a browser or the like) in hardware and software for performing various processes (for example, browsing a homepage) by connecting to the network 20. .

In a conventional e-commerce system for making a deposit with a third party, the buyer must deposit the purchase price into a third party's account in advance. Therefore, if the trading amount cannot be immediately prepared, the third-party deposit settlement cannot be used.

If it is not possible to immediately prepare the trading value,
It is conceivable that the buyer prepares the transaction amount by receiving a loan in advance from the loan institution. However, it takes a considerable amount of time before the loan is actually received from the lender. As a result, the procedure of the third-party deposited payment is delayed, and the procedure of the third-party deposited payment is stopped after a predetermined payment period has elapsed. In particular, in the case of a car loan or the like, payment from the loan provider is not made until after the name change of the car to be traded is completed. Therefore, it is impossible to perform the settlement by the escrow settlement using the loan target fund. For this reason, after all, it is difficult for a user who cannot immediately prepare the transaction amount to receive the service by the third party deposit settlement. As described above, at present, users who can use the third-party deposited payment are limited, and many people cannot perform secure transactions using the third-party deposited payment.

It is considered that there are many cases in which the purchase of articles has to be abandoned because the third party deposit settlement cannot be used. in this way,
It is assumed that as a result of the restriction on the users who can use the third-party deposited payment, the activation of the trading market has been suppressed. In particular, in the interpersonal transaction market, it is considered to be a serious adverse effect in activating the market.

In this embodiment, when an article sales contract is settled by escrow settlement, the third party deposit settlement is used even if the buyer has not prepared a part or all of the amount corresponding to the sales amount. It will be possible to conduct secure transactions. Therefore, in this embodiment, an escrow payment support system that can be used by many users is realized. As a result, it is expected that the activation of the trading market will be promoted.

Hereinafter, an escrow settlement preparation process in the escrow settlement support system 10 of the present embodiment will be described with reference to FIGS. FIG. 3 is a timing chart showing an example of escrow payment preparation processing and processing timing in the escrow payment support system 10 of the present example.

In the escrow settlement preparation process, various types of escrow settlement are performed, such as receiving an application for escrow settlement, collecting information necessary for performing escrow settlement, and determining items necessary for executing escrow settlement. Is prepared. Note that a part of each of the above processes may be performed using other means such as mailing. Here, a sales contract for the automobile C is established between the sale user S managing the sale user terminal 12 and the purchase user B managing the purchase user terminal 13, and the settlement is performed using the escrow settlement support system 10 of the present example. The preparation process in the case of performing is described. Also, here, an example will be described in which purchase user B pays a part of the purchase amount of car C using a loan. Further, here, the purchase user B
An example will be described in which the user has made an application. In this example, the escrow operator, the selling user S, and the purchasing user B each have an account (such as a bank account) used for the main settlement processing.

First, the purchase user terminal 13 accesses the escrow settlement support server 11 via the network 20 in response to the operation of the purchase user B, and makes a request to acquire an escrow settlement application screen (step S301).
Upon receiving a request to obtain an escrow payment application screen,
The escrow settlement support server 11 transmits information on the application screen to the purchase user terminal 13 (step S302), and causes the application screen to be displayed on a display device (for example, an LCD) (not shown) of the purchase user terminal 13. .

FIG. 4 is an explanatory diagram showing an example of an escrow payment application screen provided by the escrow payment support server 11. As shown in FIG. 4, the application screen includes an input area 31 for specifying whether the applicant is a buyer or a seller, an input area 32 for specifying the contact information of the seller, and a buyer. And an input area 33 for specifying the contact information of the user. The input areas 32 and 33 for specifying both the seller and the buyer are provided so that the escrow settlement support server 11 can notify the seller and the buyer of various information. is there.

Further, on the application screen, information on the car C to be dealt with (for example, car type, chassis number, so-called car name, year, type of new / used car, presence / absence of vehicle inspection, availability of self-running, etc.) , And an input area 35 for inputting the transaction amount of the car C. In addition, when there is money to be exchanged in addition to the transaction amount, an input area 36 for specifying the respective amounts, the name of the payment (for example, the transportation fee), the payer, and the like is also provided. In addition, the application screen is provided with a confirmation area 37a for confirming whether or not to use a loan, and an input area 37b for inputting a desired loan amount and a desired loan institution. When the seller applies for the escrow settlement, the confirmation area 37a and the input area 3
7b is provided on an agreement screen to be shown to the buyer (FIG. 5 shows an agreement screen to be shown to the seller). Further, the application screen is provided with a display area for displaying a description for requesting acceptance of the terms of use of the escrow service, and a confirmation area 38 for confirming whether or not the terms of use have been accepted. .

When the purchase user B displays the application screen, the purchase user B operates an input unit (for example, a keyboard, a mouse, etc.) (not shown) of the purchase user terminal 13 to indicate that he is the buyer in the input area 31. Input, input area 3
The user inputs the e-mail address of the selling user S in 2 and his / her own e-mail address in the input area 33. In addition, information for specifying the automobile C to be traded is input in the input area 34, the amount of the transaction is input in the input area 35, and if there is any other money to be exchanged, the amount or the payer is paid. Is input into the input area 36. If the user wishes to use a loan, the user checks the confirmation area 37a (for example, by clicking with a mouse), and inputs a desired loan amount (eg, 600,000 yen) and a desired loan institution in the input area 37b. The designation (input) of the loan institution is performed, for example, by the purchase user B selecting from a plurality of loan institutions affiliated with the escrow operator. In addition, if you have read the Escrow Service Terms of Service and accept them,
A check is made in the confirmation area 38 (step S303).
In this example, it is assumed that the purchasing user B purchases the car C using a loan, the confirmation area 37a is checked, and the details of the desired loan are input to the input area 37b.

It is to be noted that, for example, in the case where the automobile C is a vehicle that has been awarded by an online auction,
If the auction operator that operates the auction site is affiliated with the escrow operator, for example, after obtaining consent from the parties, the escrow operator will send various information about the parties and the sales contract from the auction operator. It may be configured to acquire.

When the purchase user B inputs various application information and presses the send button 39, the purchase user terminal 13 transmits the input various information to the escrow settlement support server 11 (step S304). . In this example, the above processing (steps S301 to S30
By performing 4), the purchase user B applies for the escrow settlement service to the escrow operator and also applies for a loan (step S201). Upon receiving the application information, the escrow settlement support server 11 stores the received information in the database (Step S305).

Upon receiving an application from purchase user B,
The escrow settlement support server 11 has a purchase user terminal 13
Is notified that an application request for escrow payment has been received (step S306). In this example, the information to be notified includes a dedicated URL and a password for the purchase user B used in the escrow settlement for the vehicle C performed between the purchase user B and the sale user S this time. That is, in this example, a dedicated site is prepared for each escrow settlement, and the site is managed so that only the parties can access the site in principle. Further, the escrow settlement support server 11 notifies the sale user terminal 12 that the buyer has applied for escrow settlement (step S30).
6). Also at the time of this notification, the exclusive URL used in the escrow settlement for the car C performed between the current purchase user B and the sale user S, and the sale user S
The password is also notified.

Upon receiving notification from the escrow settlement support server 11 that the purchase user B has made an application, the sale user S operates the sale user terminal 12 to use the designated URL and password for the exclusive site. To request an agreement screen acquisition (step S30).
7).

FIG. 5 is an explanatory diagram showing an example of an escrow settlement agreement screen provided by the escrow settlement support server 11. In the agreement screen, as shown in FIG. 5, a display area 4 for displaying various information specified by the purchase user B
1 is provided. The display area 41 indicates that the buyer wants to use the loan, and informs the seller that the escrow service may be canceled (canceled) if the loan contract is not concluded. I have to. Further, similarly to the application screen, a display area for displaying a description for requesting acceptance of the terms of use of the escrow service is provided, and a confirmation area 42 for confirming whether or not the terms of use have been accepted is provided. I have.

When the agreement screen is displayed, the selling user S checks whether there is any error in the information displayed in the display area 41. When there is no error, the user reads the terms of use of the escrow service, and when he accepts the contents, he operates an input unit (for example, a keyboard, a mouse, etc.) (not shown) of the selling user terminal 12 to check the confirmation area 42. (For example, by clicking the mouse) (step S309). If there is an error in the display information in the display area 41, the sale user S and the purchase user B are adjusted on the dedicated site using the sale user terminal 12 and the purchase user terminal 13, and the error is corrected. May be performed.

When the sale user S determines that the agreement is reached and the send button 43 is pressed, the sale user terminal 12 sends the input information (agreement information) to the escrow settlement support server 11 ( Step S31
0). In this example, the selling user S
Indicates to the escrow operator that they agree to the escrow payment service (step S2)
02). The escrow settlement support server 11 stores the received agreement information in the database (Step S31)
1).

After confirming that the agreement of the selling user S has been obtained, the escrow settlement support server 11 transmits the bank account of the escrow operator used for the current escrow settlement to the selling user terminal 12 and the buying user terminal 13. The notification and the reception completion notification are performed (step S3
12). In addition, the escrow settlement support server 11 performs a notification for requesting the sale user S and the purchase user B to register information necessary for performing escrow settlement (registration in the escrow settlement support server 11) (step). S312). These notifications may be made by e-mail or by displaying them on a dedicated site (the same applies hereinafter).

In response to a request from the server 11, the purchase user B uses the purchase user terminal 13 to
Then, the user accesses the dedicated site of the escrow settlement support server 11 through “0” (step S313). Then, in response to the operation of the purchase user B, the purchase user terminal 13 performs escrow payment of necessary information (information necessary for executing the escrow payment; the same applies hereinafter) such as its own bank account number used in the current escrow payment. The data is transmitted to the support server 11 (step S313). The input processing of the necessary information is performed by inputting the necessary information in the input area of the input screen of the necessary information in the same manner as the input of the application information described above.
The information received from the purchase user terminal 13 is stored in the database of the escrow payment support server 11.

Similarly, the selling user S accesses the dedicated site of the escrow settlement support server 11 via the network 20 using the selling user terminal 12 in response to a request from the server 11 (step S314). Then, in response to the operation of the selling user S, the selling user terminal 12 transmits the own bank account number used in the current escrow settlement, the designated carrier (for example, a plurality of carriers affiliated with the escrow operator). The required information such as the desired pick-up location and desired pick-up date of the car C is transmitted to the escrow settlement support server 11 (step S314). The input processing of the necessary information is performed by inputting the necessary information in the input area of the input screen of the necessary information in the same manner as the input of the application information described above.
The information received from the sale user terminal 12 is stored in the database of the escrow settlement support server 11.

Upon receiving the necessary information for performing the escrow payment from the purchase user terminal 13 and the sale user terminal 12, the escrow payment support server 11 proceeds to the procedure schedule for performing the escrow payment (for example, the buyer and the seller bear the payment burden, respectively). Payment deadlines for various amounts incurred, the deadline for receiving notification of the conclusion of the loan agreement, the place and date of collection of the vehicle C, etc.), and send information on the determined procedure to the purchase user terminal 13 and the sale user terminal 12. It transmits (step S315). Further, the escrow settlement support server 11 transmits information for requesting the purchase user terminal 13 and the sale user terminal 12 to perform a procedure necessary for performing escrow settlement (step S3).
15). For example, a request is made to the purchase user B for a deposit of a self-preparation amount to be described later (for example, a request for "Please deposit by the end of this month."), And a user (in this example, a sale user in this example) who bears the transportation cost of the automobile Request payment of the transfer amount to S). As described above, in the present example, the escrow settlement support server 11 notifies the purchase user terminal 13 and the sale user terminal 12 of various information and requests (step S203).

The self-preparation amount is an amount that the purchase user B needs to independently procure. Specifically, from the amount paid (for example, 1.1 million yen) of the purchase user B including the sales amount (for example, 1 million yen) of the automobile C, the amount scheduled to receive a loan from the loan institution (loan contract schedule) (For example, 600,000 yen) minus the amount (for example, 500,000 yen).

When various information is notified or requested to the purchase user B and the sale user S, the escrow settlement support server 11 sets the loan provider managed by the loan provider (finance institution) designated by the purchase user B. For example, an e-mail is transmitted to the terminal 14 and a predetermined amount for the purchase user B (the desired loan amount designated by the purchase user B. For example, 6
Request a loan of (100,000 yen) (step S316). That is, the escrow operator presents the necessary personal information of the purchase user B to the loan provider designated by the purchase user B (obtain the consent of the purchase user B in advance), and gives the purchase user B A request is made to finance a predetermined amount (step S204). The loan provider (or an assessor requested by the loan provider) prepares to determine whether to make a loan to the purchase user B in response to the request (for example, obtaining the credit information of the purchase user B) Etc.).

In addition, the escrow settlement support server 11
In this example, for example, an e-mail is sent to the carrier terminal 15 managed by the carrier specified by the selling user S to notify that it has been decided to request the carrier C to be transported,
The collection place and the collection date are notified, and a request for collection and storage of the automobile C is made (step S317). In other words, the escrow operator requests the carrier specified by the selling user S regarding the transportation of the vehicle C for performing the escrow settlement service of the present case (request for collection, request for storage).
Is performed (step S205). In this example, the delivery date and location are not determined at this stage, and the delivery request may be made after the delivery date and location are determined. The carrier, upon request, goes to the determined pick-up place (for example, the home garage of the selling user S) on the determined pick-up date, picks up the car C, and stores it in, for example, a garage managed by the carrier. Keep it. Therefore, the car C is transported from the selling user S (FIG. 2) to the carrier (FIG. 2) (step S).
1).

Next, an escrow settlement execution process in the escrow settlement support system 10 of the present embodiment will be described with reference to FIG. FIG. 6 is a flowchart illustrating an example of the escrow payment execution process in the escrow payment system 10 of the present example. Here, a description will be given of a process in a case where the escrow payment is performed after the escrow payment preparation process is performed by the above-described process of FIG.

In the escrow settlement execution process, the escrow settlement support server 11 uses the car C by the carrier.
It is monitored whether or not is collected and stored (step S601). Specifically, in this example, whether or not the car C is stored is determined by the selling user S from the car C.
Is carried out based on whether or not there is a notice from the carrier who has taken and stored the data. In this case, when the carrier has picked up the car C and stored it in a predetermined storage location, the carrier uses the carrier terminal 15 to notify the escrow settlement support server 11 that the pickup and storage have been completed. (Step S206).

When the escrow settlement support server 11 confirms that the car C has been picked up and stored (Y in step S 601), the escrow settlement support server 11 sends the car C to the carrier terminal 15 to the loan provider. A notification for giving an instruction to carry (step S207, step S602), and a notification for making a physical confirmation request to the loan provider terminal 14 are made (step S208, step S602). Upon receiving the transportation instruction, the transportation company transports the automobile C to the location specified by the server 11 at the date and time specified by the server 11. In this example, the carrier sets the date and time when the loan provider checks the spot.
Car C is carried to the loan provider (FIG. 2) (step S2). In this case, the escrow settlement support server 1
1 may know the date and time and the place where the actual check is performed based on the notification from the loan provider terminal 14. Note that, in this example, when the physical check is completed, the carrier returns the car C to the garage (FIG. 2) managed by the carrier (step S3).

In response to the physical confirmation request in step S602, the loan provider confirms the physical status of the automobile C transported by the carrier and determines the collateral value of the automobile C. Note that the loan provider may go to the garage of the carrier to check the actual product. Further, an assessor in cooperation with the loan provider may confirm the actual product.

When the collateral value of the car C is determined, the loan provider provides the purchase user B with a loan of the desired loan amount based on the result of the credit check of the purchase user B and the result of the collateral value determination of the car C. Decide whether to do it or not. If the loan provider decides to provide a loan for the desired loan amount to the purchase user B, the loan provider sets an interest rate fee, an installment payment amount,
When the total payment and the reservation of the ownership are scheduled to be performed, contract-related information such as a notice to that effect is presented to the purchase user B. When the purchase user B confirms the content of the presented contract-related information and accepts the loan contract, a loan contract is established (concluded) between the loan provider and the purchase user B. When the loan contract is concluded, the loan provider uses the loan provider terminal 14 to transmit a loan contract conclusion notice indicating that the loan contract has been concluded with the purchase user B to the escrow settlement support server 11. (Step S209).

It should be noted that whether or not to make a loan to the purchase user B may be determined only by the result of the credit check for the purchase user B, or may be determined only by the result of the collateral value determination of the car C by physical confirmation. Alternatively, the determination may be made by another method (for example, a result of the determination of the collateral value of the vehicle C based on document examination such as vehicle verification). In addition, when deciding whether to make a loan only based on the result of the credit check for the purchase user B,
In the case of deciding whether or not to make a loan by document examination, since the loan provider does not need to check the actual status of the car C, each of the steps performed to transport the car C to the loan provider is not necessary. It is not necessary to perform the processing (the processing of step S601 and step S605 described below). In this way, if it is not necessary for the escrow operator to secure the goods to be dealt with, use mail or courier,
The article to be sold may be directly delivered from the seller to the buyer (in this case, the escrow operator may secure a deposit from the buyer and then send a mail request to the seller).

Next, the escrow settlement support server 11
Monitors whether various amounts (self-preparation amount, transfer amount) have been received from the payer, and whether there has been a loan contract notification from the loan provider (step S603). Specifically, the confirmation of payment of various amounts is performed by the escrow settlement support server 11 by confirming the amount and the nominal amount paid by the payer to the designated account of the escrow operator. In addition, regarding whether or not there has been a loan contract conclusion notice, whether the escrow settlement support server 11 has received a loan contract conclusion notice indicating that a loan contract has been concluded with the purchase user B from the loan provider terminal 14 It is done by confirming whether or not.

When the escrow settlement support server 11 confirms that the various amounts have been paid by the payer and that the loan contract notification has been received (step S6).
03, Y), the fund to be loaned to the designated account (here, the amount determined to receive the loan. For example, 6
(Equivalent to 100,000 yen), and the subsequent escrow settlement execution processing is performed. That is, when the escrow settlement support server 11 receives the notice of the conclusion of the loan contract, the escrow settlement support server 11 pays for the loan target fund, assumes that the purchase user B has received the loan target fund, and enters a state in which the escrow settlement processing can be continued. (Step S604).

As described above, in this example, in response to the notice of the conclusion of the loan contract, the fund to be loaned is paid in advance, and it is assumed that there is a deposit from the loan provider (determined). And Therefore, use of loan target funds from loan providers (use by deemed processing)
Can be carried out at an early stage, and it is possible to prevent the escrow settlement procedure from being canceled even when the fund to be loaned has not actually been loaned yet. Therefore, many users can use the escrow payment.

When the escrow settlement support server 11 advances the loan-funded funds (step S604), it issues an instruction to deliver the car C to the purchase user B (steps S210 and S605). It is to be noted that the cost required for transporting the automobile C and the like is covered by the corresponding amount paid from the payer (for example, the selling user S) to the designated account of the escrow operator according to the terms of use. In other words, the escrow settlement support server 11, for example, when instructing the delivery of a car, transfers the money from the money deposited in its own account to the carrier's account that is grasped in advance (including taking over, storing, etc.). For transferring the amount of money required for.

Upon receiving the delivery instruction, the carrier transports the car C to the purchaser B (for example, the garage of the purchaser, FIG. 2) on the predetermined delivery date (step S4). For example, after receiving a loan contract conclusion notice (or before receiving the loan contract conclusion notice), for example, via the escrow settlement support server 11, the delivery place and the delivery day may be determined between the carrier and the purchase user B. Between each terminal 1
It is determined using 3,15.

When the delivery is completed, the carrier notifies the escrow settlement support server 11 of the completion of the delivery using the carrier terminal 15 (step S21).
1). When the escrow settlement support server 11 confirms that the delivery has been completed, the escrow settlement support server 11 receives a sales contract release notification from the purchase user B for a predetermined period (for example, seven days) from the delivery date (steps S606 and S607). When the delivered car C is different from the contract content (for example, when the mileage is significantly different), the purchase user B notifies the escrow settlement support server 11 of the purchase contract cancellation notification using the purchase user terminal 13. By sending
Processing can be stopped according to the Escrow Terms of Service.

When there is no notice of the cancellation of the sales contract from the purchase user B (N in step S606, step S6
07) Y), the escrow settlement support server 11 cancels the deposit and deposits the transaction amount (including the loan target fund) deposited by the purchasing user B into the account of the selling user S. (Step S212, Step S6)
08).

Note that a predetermined period (for example, step S31)
If there is no notification of completion of vehicle storage from the carrier terminal 15 by the elapse of 15 days from the date of the notification and the request of No. 5 (Y in step S610), a predetermined period (for example, the notification in step S315) And within 15 days from the date on which the request was made), if no payment has been made from the payer, or if there has been no notification of the conclusion of the loan contract (Y in step S612), or a predetermined period shown in step S607 If there is a sales contract cancellation notification from user B before the elapse of (for example, within 22 days from the date of the notification and the request in step S315) (Y in step S606), the escrow settlement support server 11 In accordance with the terms of use, the current escrow payment processing is stopped (steps S611 and S61).
3, step S614).

When the escrow settlement support server 11 releases the deposit and deposits the sales amount into the account of the selling user S, the escrow settlement support server 11 creates a report of service completion for each of the selling user S and the buying user B, and creates each of the created reports. The report is transmitted to the selling user terminal 12 and the buying user terminal 13 (Step S213, Step S609). The report to the selling user S includes a settlement account (a document indicating that the vehicle price and the like have been paid and finally settled in full and there is no remaining deposit. If there is a remaining deposit, a refund statement is added to the report to the selling user S. .), The purchaser B's car receipt. Also, the report to the purchase user B includes a settlement account of the designated account, an after-sales service guarantee when the seller of the automobile C is a trader, and the like. When it is necessary to send an original instead of electronic data (for example, data captured by a scanner), a report may be mailed to each of the selling user S and the buying user B.
In the case of mailing, it is preferable that the mail be delivered by a delivery method that can prove that the mail has arrived (for example, proof mail, courier service, or the like).

In this example, the escrow operator reports that the above-mentioned report is obtained by each party (sale user S and purchase user B).
During a predetermined period (for example, within one week) after the arrival of the designated account, an objection from each party regarding the contents of the designated account is accepted. If there is no objection, the escrow payment service is completed.

When the loan provider pays the loan amount to be loaned to the purchase user B, the loan provider pays the loan to the escrow operator who makes a payment. Then, the loan provider collects the loan from the purchase user B.

As described above, since the escrow settlement support server 11 monitors whether or not the loan contract conclusion notice has been received, and pays out the loan target fund in response to receiving the loan contract conclusion notice, Actually, even if the fund to be loaned has not been loaned yet,
It is possible to prevent the escrow settlement procedure from being canceled. Therefore, many users can use the secure transaction service by escrow payment.

The escrow operator reimburses the loaned funds, but since the loan contract has been concluded, the reimbursed amount will always be deposited, so that the reimbursed amount can be reliably collected. . Therefore, the escrow operator can operate the escrow settlement service using the loan with low risk.

In addition, since the escrow settlement support server 11 is configured to make advance payment of the loan target fund in response to receiving the notice of the conclusion of the loan contract, many users, such as users who cannot prepare the purchase funds by themselves, etc. The user can newly use the escrow payment. Therefore, it can contribute to further activation of the trading market.

Note that the escrow settlement support server 11 in the above-described embodiment executes the above-described processes according to a program (escrow settlement support program). This program is for performing settlement between parties who have concluded a sales contract for goods. Specifically, it causes the escrow payment support server 11 to execute a step of receiving, via the communication network 20, an application for escrow payment from a party and an application for loan use related to the purchase of an article. Next, a step of requesting the escrow settlement support server 11 to conclude a loan contract for a part or all of the required settlement amount including the sales amount of the article, and a step of monitoring whether or not the loan contract has been concluded. And execute. When the loan contract is concluded, the escrow payment support server 11 is configured to execute a step of reimbursing the loan target amount as part or all of the required settlement amount.

In the above-described embodiment, the loan is used as a part of the payment burden (settlement required amount) of the purchase user B including the purchase and sale amount of the automobile C. The loan may be used for all of the payment burden, or the loan may be used for all of the transaction amount of the automobile C. If the loan is used for all of the payment burden of the purchase user B, the purchase user B does not need the self-preparation amount, so the processing related to the self-preparation amount (for example, the payment in step S603). The process of monitoring whether or not the self-prepared amount has been paid out of the confirmation of payment from the payer is unnecessary.

Further, in the above-described embodiment, the escrow settlement support server 11 pays for the loan target fund to be loaned from the loan provider when the loan contract is notified. (Step S
604), if the trade-in article (for example, car D) of the purchase user B is guaranteed for purchase, the escrow settlement support server 11 may make a payment for the purchase guarantee amount. The “purchase guarantee” means that, for example, a car D to be exhibited in an auction is purchased at a predetermined amount (purchase guarantee amount) presented in advance by a car purchaser even if the car D is not awarded by the auction. Guarantee. It is preferable that the car purchaser that guarantees the purchase is a company affiliated with the escrow operator, and is at least a company that purchases a car.

Hereinafter, the escrow settlement process in the case of performing the escrow settlement utilizing the existence of the purchase guarantee will be described. Note that, here, an example will be described in which a car purchaser affiliated with an escrow provider provides a purchase guarantee to a car D owned by the purchase user B. Also, here, the guaranteed purchase amount of the car D is lower (for example, 700,000 yen) than the payment burden (for example, 1.1 million yen) including the sales amount (for example, 1 million yen) of the car C.
It is assumed that

First, the escrow settlement preparation processing in this example will be described. In the escrow payment preparation process, the escrow payment support server 11 executes the processing shown in FIG.
A process similar to the process shown in FIG. Therefore, here
A portion that performs a process different from the process illustrated in FIG. 3 will be described. In the escrow payment preparation process, the escrow payment support server 11 executes the above-described step S302 in FIG.
Sends information on the application screen including a confirmation area for confirming whether to apply for purchase guarantee use (“purchase guarantee amount allocation service”: a service for applying the purchase guarantee amount to purchase funds for new goods). To do. Purchase user B
When applying for purchase guarantee, step S303
Then, the user checks the application confirmation area for use of the purchase guarantee, presents information for identifying the car D, the purchase guarantee amount, and the like, and applies for the escrow settlement service and also applies for the use of the purchase guarantee.

Next, the escrow settlement execution processing in this example will be described with reference to FIG. In the following description, the same processes as those described in FIG. 6 described above are denoted by the same reference numerals, and detailed description thereof will be omitted.

In the escrow settlement execution process, when the escrow settlement support server 11 confirms that the car C has been picked up and stored (step S601).
Y), a terminal managed by a car purchaser connected to the network 20 (hereinafter referred to as a car purchaser terminal. Note that the car purchaser terminal is the same as the terminal device such as the above-described loan provider terminal 14 yesterday. For the vehicle D) (step S 701). This notification includes information for specifying the car D, information for specifying the purchase user B who is the owner, and the like. In response to the confirmation request in step S701, the automobile purchaser searches, for example, a database managed by himself / herself, and checks whether or not the purchase guarantee for the automobile D has been made. After confirming that the purchase guarantee is performed for the car D, the car purchaser uses the car purchaser terminal to perform the purchase guarantee for the car D toward the escrow settlement support server 11 and A purchase guarantee existence notification (for example, a purchase guarantee written in a prescribed format) indicating the purchase guarantee amount is transmitted.

Next, the escrow settlement support server 11
Monitors whether or not various amounts (self-preparation amounts and transfer amounts) have been received from the payer, and whether or not there has been a purchase guarantee notification from the automobile purchaser (step S702). Specifically, whether or not there is a purchase guarantee existence notification is determined by the escrow settlement support server 11.
Is performed by confirming whether or not a purchase guarantee existence notification indicating that a purchase guarantee exists for the car D owned by the purchase user B from the car purchaser terminal.

When the escrow settlement support server 11 confirms that the various amounts have been paid by the payer and that the purchase guarantee existence notification has been received (step S 70).
2) Y), a process of depositing an amount corresponding to the guaranteed purchase amount of the vehicle D (for example, 700,000 yen) into its designated account.
That is, the escrow settlement support server 11 pays the purchase guarantee amount in response to receiving the purchase guarantee existence notification (step S703). In this way, by paying out the purchase guarantee amount, it is possible to regard (determine) that the purchase guarantee amount has been paid by the purchase user B, and to perform the subsequent escrow settlement execution processing. become able to. It should be noted that the advanced payment is collected from a car purchaser when the car D is not awarded at the auction, and is collected from the successful bidder when the car D is awarded at the auction.

As described above, in this example, the escrow settlement support server 11 pays the purchase guarantee amount in response to receiving the purchase guarantee existence notification. Therefore, it is possible to use the purchase guarantee amount that has not yet been received (use by deemed processing) at an early stage,
Even if the amount equivalent to the purchase guarantee amount has not actually been received, the escrow settlement procedure can be smoothly performed, and the purchase user B cannot procure funds. Therefore, it is possible to prevent the escrow settlement procedure from being stopped for the reason. Therefore, many users can use the escrow payment.

Thereafter, in step S608, the escrow settlement support server 11 releases the deposit and purchases and sells the money deposited by the purchase user B (including the amount corresponding to the purchase guarantee amount renewed by the escrow operator). )
For depositing into the account of the selling user S.
Then, the escrow settlement support server 11 sends the report of service completion to the selling user terminal 12 and the buying user terminal 13.
If there is no objection from each party regarding the contents of the designated account, the escrow settlement service is completed.

Note that a predetermined period (for example, step S31)
If there is no notification of completion of vehicle storage from the carrier terminal 15 by the elapse of 15 days from the date of the notification and the request of No. 5 (Y in step S610), a predetermined period (for example, the notification in step S315) And within 15 days from the date on which the request was made), if no payment was made from the payer, or if there was no notice of the purchase guarantee (Y in step S612), or
If there is a notice of cancellation of the sales contract from the user B before the predetermined period shown in 607 (for example, within 22 days from the date of the notification and the request in step S315) (Y in step S606), the escrow is performed. The settlement support server 11 stops the current escrow settlement process according to the terms of use (steps S611, S613, and S614).

As described above, the escrow settlement support server 11 monitors whether or not the purchase guarantee existence notification has been received,
Since the amount equivalent to the purchase guarantee amount is paid in advance in response to receiving the notice of the existence of the purchase guarantee, the purchase guarantee amount that has not yet been received can be used at an early stage. Even in a situation where the amount corresponding to the purchase guarantee amount has not been received, the escrow settlement procedure can be smoothly performed.
Therefore, it is possible to prevent the escrow settlement procedure from being canceled because the purchase user B cannot procure funds. Therefore, many users can use the escrow payment.

The escrow operator pays for the amount corresponding to the purchase guarantee amount. However, since the car D is not traded for less than the purchase guarantee amount, the replacement amount can be reliably collected. . Therefore, the escrow operator can operate the escrow settlement service using the purchase guarantee with low risk.

Further, as described above, the escrow settlement support server 11 pays for the amount equivalent to the purchase guarantee amount in response to receiving the purchase guarantee existence notification, so that the purchase user B (Cash by deemed processing) can be quickly performed, and escrow settlement of a car to be newly purchased can be performed early. That is, a user who intends to use the sale price of his own article (here, the car D) to purchase funds for a new article (here, the car C) has not yet completed the sale of his own article. However, the purchase procedure of a new article can be advanced.
In addition, since a blank period (a period during which the car is not at hand) from releasing the car D to acquiring the car C can be shortened, it is possible to suppress inconvenience due to replacement by a user who frequently uses the car. it can. Therefore, many users can newly use the escrow payment. Therefore, it can contribute to further activation of the trading market. Further, there is a merit that the purchaser of the automobile D can be deferred for a predetermined period (until the securing of the automobile D and the receipt of a name change document are received).

Note that the escrow settlement support server 11 in the above-described other embodiment executes the above-described processes according to a program (escrow settlement support program). This program is for performing settlement between parties who have concluded a sales contract for goods. Specifically, it causes the escrow settlement support server 11 to execute a step of receiving, via the communication network 20, an application for escrow settlement from a party and an application for use of the purchase guarantee amount allocation service in the purchase of an article. Next, the escrow settlement support server 11 is caused to execute a step of requesting a confirmation as to whether or not the purchase guarantee is validly established for another article owned by the buyer. Then, when the escrow settlement support server 11 confirms that the purchase guarantee is validly established, a part or all of the purchase guarantee amount is set as a part or all of the settlement required amount including the sales amount of the article. It is configured to execute a step of making a payment.

Further, in the other embodiment described above, the case where the purchase guarantee amount of the car D is lower than the payment burden of the purchase user B including the purchase and sale amount of the car C has been described as an example. The purchase guarantee amount of D may be higher than the payment burden amount of purchase user B. In this case, the entire payment burden of the purchase user B can be covered by part or all of the purchase guarantee amount of the vehicle D.

Further, irrespective of whether the purchase guarantee amount of the car D is higher or lower than the payment burden of the purchase user B, a part of the purchase guarantee amount of the car D is used for the funds used in the escrow settlement. You may make it. In this case, when the purchase user B applies for the use of the purchase guarantee,
It is sufficient to claim that a part (for example, 500,000 yen) of the purchase guarantee amount (for example, 700,000 yen) is used in the escrow settlement.

Although not specifically described in each of the above-described embodiments, the escrow operator side
It is also possible to receive a request for appraisal of the article to be traded from and appraise the article to be traded. Hereinafter, an example of the procedure regarding the appraisal will be described. First, when the purchase user B applies for escrow settlement, it also requests an appraisal of the article to be traded (for example, step S303,
Request is made in step S304). Upon receiving the appraisal request, the escrow settlement support server 11 uses, for example, an electronic mail to a terminal device managed by an appraiser (e.g., a loan provider having appraisal ability, an appraiser that handles transaction target articles, etc.). An appraisal request is made, and a transport request is made to the carrier terminal 15 so that the article to be traded is delivered to the appraiser. In addition, you may make it request | require delivery of the materials for appraisal, such as a vehicle verification in the case of an automobile, and an appraisal document in the case of a jewel, instead of the article to be dealt with itself. Also, instead of requesting the carrier, mail to the selling user terminal 12 (for example, when the article to be traded is a mailable item such as a watch or accessory, or when using appraisal data for appraisal, etc.). You may make it. Then, the appraiser performs the appraisal based on the article to be traded and the data for appraisal, and creates an appraisal report showing the judgment result of whether or not the trading amount is appropriate. Then, the appraiser may transmit the appraisal report to the purchase user terminal 13 using the terminal device managed by the appraiser. With this configuration, the purchase user B can determine whether to continue the escrow settlement procedure (specifically, whether to cancel the sales contract) based on the content of the certificate. it can.

Also, in each of the above-described embodiments, the purchaser B does not confirm the actual vehicle (confirm the actual product),
Although the configuration is such that the car C is delivered to the purchase user B, a configuration may be adopted in which the purchase user B provides a service (preview challenge) for giving an opportunity to check the actual vehicle. Hereinafter, a process in the case where a preview challenge is performed will be described with reference to FIG. In addition,
Here, the processing added to the above-described processing in FIG. 3 will be described, and the description of the processing already described will be omitted.
In this example, the escrow settlement support server 11 transmits information of an application screen including a confirmation area for confirming whether or not to apply for a preview challenge in step S302 of FIG. 3 described above. Next, the purchase user B
To apply for a preview challenge, go to step S
At 303, the user checks the application confirmation area of the preview challenge, applies for the escrow settlement service, and also applies for the preview challenge. If the application for the preview challenge has been made, the escrow settlement support server 11 notifies the sale user terminal 12 that the application for the preview challenge has been made in step S306.

In step S308, the escrow settlement support server 11 transmits information of an agreement screen including a confirmation area for confirming whether or not to agree to the application for the preview challenge. The selling user S
If you agree to apply for a preview challenge,
In step S309, an agreement confirmation area of the preview challenge is checked, and in step S310, agreement information including the agreement of the preview challenge is transmitted to the escrow settlement support server 11.

After confirming that the agreement of the selling user S has been obtained, the escrow settlement support server 11 proceeds to step S
At 312, a notification is sent to the selling user S and the buying user B for requesting registration of information (registration to the escrow settlement support server 11) necessary for performing the preview challenge.

The purchase user B determines in step S313
In response to a request from the server 11, using the purchase user terminal 13, the user accesses the dedicated site of the escrow settlement support server 11 via the network 20 to perform a preview challenge (for example, a storage location of a carrier,
Necessary information such as a home parking lot and the date and time is transmitted to the escrow settlement support server 11.

Upon receiving the necessary information for performing the preview challenge from the purchase user terminal 13 and the sale user terminal 12, the escrow settlement support server 11 determines in step S315 the procedure schedule for performing the preview challenge (for example, the preview challenge). Payment deadlines such as charges, the actual vehicle confirmation date and location) may be determined (the date may be determined after adjusting the schedule with the purchaser B or carrier). Then, information on the determined procedure schedule is transmitted to the purchase user terminal 13 and the sale user terminal 12.

The escrow settlement support server 11
In step S315, toward the purchase user terminal 13,
The information for requesting the execution of the procedure required to perform the preview challenge is transmitted. For example, purchase user B
, A request for the amount of the preview challenge fee and a deposit request (for example, a request of “Please deposit by the end of this month.”). The preview challenge fee is, for example, a basic challenge fee (for example, 20,000 yen) and a predetermined amount (for example, 30,000 equivalent to 3%) determined in accordance with the sales price of the automobile C (for example, 1 million yen). Yen), and the transportation and storage fee (for example, 50,000 yen) of the vehicle C for the preview challenge. Note that the preview challenge fee may be set in any manner.

Next, the escrow settlement support server 11
In step S317, for example, an e-mail is transmitted to, for example, the carrier terminal 15 managed by the carrier specified by the selling user B, and the pickup location, the pickup date, the actual vehicle confirmation location, and the actual vehicle confirmation date are notified. Request the transportation of the car C.

Here, the escrow settlement support server 11
Monitors whether the preview challenge fee has been paid to the designated account of the escrow operator and whether or not the vehicle C is stored by the carrier.

Then, when it is confirmed that the car C is stored by the carrier and that the preview challenge fee has been paid to the designated account of the escrow operator,
The escrow settlement support server 11, for example, sells user B
Sends an e-mail, for example, to the carrier terminal 15 managed by the designated carrier, and requests execution of the actual vehicle confirmation at the actual vehicle confirmation location notified in advance on the actual vehicle confirmation date notified in advance.

The carrier is the escrow settlement support server 1
In response to the request from 1, the stored car C is transported to the actual vehicle check location on the actual vehicle confirmation date, and the purchase user B confirms the actual vehicle. Next, the carrier obtains, for example, a signature stamp indicating that the actual vehicle has been confirmed, and returns the vehicle C to the storage location. Then, the carrier uses the carrier terminal 15 to notify the escrow settlement support server 11 that the actual vehicle check has been completed.

If the purchase user B who has completed the actual vehicle confirmation decides to purchase, a part of the preview challenge fee is applied as a part of the deposit, and the subsequent normal escrow settlement procedure (see FIG. 6) Etc.).
On the other hand, when the purchase user B who has completed the actual vehicle confirmation decides to cancel the purchase, for example, the transportation and storage fee of the vehicle C for the preview challenge (for example,
50,000 yen) is paid to the carrier, the basic challenge fee (for example, 20,000 yen) becomes the income of the escrow operator, and a predetermined amount (for example, 1 million yen) determined according to the purchase price of the car C (for example, 1 million yen) (For example, 30,000 yen equivalent to 3%)
Is paid to the designated account of the selling user S. In this case, after adjusting the schedule, the carrier delivers the car C to the selling user S. That is, the preview challenge fee is money deposited as a security deposit from the purchaser B to the escrow operator. Perform the procedure to restore S.

As described above, the escrow payment support server 11 performs processing for performing a preview challenge before performing the escrow payment execution processing.
The buyer can determine whether or not to purchase after confirming the actual vehicle in advance and determine whether to continue the escrow settlement process.

Further, as described above, in the case where the buying and selling is stopped by the preview challenge, a predetermined amount (30,000 yen in the above example) is paid to the seller. (For a certain period during which the preview challenge is being performed, a new buyer cannot be found and a car cannot be used). Therefore, it is possible to provide an environment where the seller can easily agree to the application for the preview challenge.

If the preview challenge is configured, the steps S606 and S60
7 (see FIGS. 6 and 7). In this case, step S603 or step S70
After the payment from the payer is confirmed in step 2 and the notice of the conclusion of the loan contract or the notice of the existence of the purchase guarantee is received, the money corresponding to the loan target fund in step S604 or the purchase guarantee amount in step S703 is repaid. In this case, the deposit shown in step S608 is released, and thereafter (or simultaneously), step S60
The vehicle delivery instruction shown in FIG. 5 may be performed. With this configuration, the selling user S can quickly obtain the selling amount. Even in the case of the above configuration, if a provision is made to prohibit the cancellation of the contract in principle, for example, if the purchase is decided by the preview challenge, the seller will be responsible for the sale contract after delivery Cancellation (for example, cancellation of the contract due to a difference between the contract content and the actual vehicle) can be prevented as much as possible. Therefore, in principle, a situation in which the purchase contract is canceled by the buyer after the deposit is deposited does not occur, and the escrow settlement procedure can be smoothly performed even if the deposit is released early.

In each of the embodiments described above, the buyer applies for the escrow settlement service. However, the seller may apply for the escrow settlement service. The application may be made at the terminal device).

Further, in each of the above-described embodiments, a car has been exemplified as a transaction object, but the present invention can be applied to other articles such as a motorcycle, a jewel, or a bag. In this case, when the present invention is applied to a mailable article such as a jewel or a bag, the seller mails the mail to, for example, a loan provider so that the carrier terminal 15 can be used.
May not be interposed. However, it is preferable that the escrow operator can reliably grasp that the goods have been delivered or returned. Therefore, it is desirable that a delivery company affiliated with the escrow operator (or a carrier called a carrier) deliver the transaction object.

Hereinafter, an example in which the present invention is applied to an article such as a jewel or a bag and the article to be dealt is delivered by a delivery company affiliated with an escrow operator will be described. Here, a description is given assuming that the transaction object is a bag. In the following description,
The same reference numerals are given to the configurations and processes described in FIGS. 1 to 3 and 6 described above, and detailed description thereof will be omitted. FIG. 8 is a block diagram illustrating another configuration example of the escrow payment support system according to the embodiment of the present invention.
FIG. 9 is an explanatory diagram showing another example of the flow of the escrow settlement process according to the embodiment of the present example. Note that FIG. 9 mainly shows a moving state of an article (here, a bag) to be traded in the escrow settlement process. In this example, a case will be described as an example in which exchange of a bag to be traded with a purchase price is performed by an escrow account between a seller and a buyer who have concluded a bag sales contract.

As shown in FIG. 8, the escrow settlement support system 10a of this example comprises an escrow settlement support server 1
1, a sale user terminal 12, a purchase user terminal 13,
It includes a loan provider terminal 14 and a delivery company terminal 16. Escrow settlement support server 11, sale user terminal 1
2. The purchase user terminal 13, the loan provider terminal 14, and the delivery company terminal 16 are each connected to a communication network 20, such as the Internet.

In this example, the escrow settlement support server 1
The database (not shown) also stores delivery information for ascertaining the delivery status of the bag by the delivery company, such as the date of receipt or delivery of the bag. Further, in this example, the sale user terminal 12 is managed by a seller (sale user) who has made a bag sales contract, and the purchase user terminal 13 is managed by a buyer (buy user) who has made a bag sales contract. The delivery company terminal 16 is constituted by, for example, an information processing device such as a personal computer, and is a delivery company (may be a company called a carrier or a home delivery company) that performs business related to delivery such as bag pickup and delivery. Be managed. The delivery company terminal 16 has an environment (for example, a browser or the like) in hardware and software for performing various processes (for example, browsing a homepage) by connecting to the network 20.

Next, an escrow settlement preparation process in the escrow settlement support system 10a of this example will be described with reference to FIG.
This will be described with reference to FIG. FIG. 10 is a timing chart showing an example of escrow payment preparation processing and processing timing in the escrow payment support system 10a.

Here, a sale contract for the bag Ba is established between the sale user S managing the sale user terminal 12 and the purchase user B managing the purchase user terminal 13, and the escrow settlement support system 10a of this example is used. The preparation process in the case of performing settlement by making a payment will be described. Also, here, a case where the purchase user B pays a part of the purchase price of the bag Ba using a loan will be described as an example. further,
Here, a case where the purchase user B makes an application will be described as an example. In this example, the escrow operator, the selling user S, and the purchasing user B each have an account (such as a bank account) used for the main settlement processing.

First, step S301 and step S301
When the processing of 302 is executed, an application screen for escrow payment (see FIG. 4) is displayed on a display screen (not shown) of the purchase user terminal 13 (for example, an LCD). In this example, information about the bag Ba to be traded is displayed on the application screen for escrow settlement (for example,
An input area for inputting a brand name, a model, an age of use, presence or absence of a scratch, a location of a scratch, a degree of a scratch, etc.), and a bag Ba.
Is provided with an input area for inputting the trading amount of the purchase.

When the application screen is displayed, step S
At 303, purchase user B inputs various application information. In this example, it is assumed that the purchase user B purchases a bag Ba using a loan. In addition, for example, bag B
If a is a bag that has been awarded by an online auction and the auction operator who operates the auction site is affiliated with the escrow operator, for example, after obtaining consent from the parties, the escrow operator However, the configuration may be such that various types of information regarding parties and sales contracts are acquired from the auction operator.

When the application information is input and transmitted to the escrow settlement support server 11 (step S30)
4), the application information is received by the escrow settlement support server 11 and stored in the database (step S3)
05). In this example, the above processing (steps S301 to S301)
By performing step S304), an application for an escrow settlement service and a loan are performed (step S201).

Upon receiving an application from purchase user B,
The escrow settlement support server 11 has a purchase user terminal 13
And that the application for escrow payment has been accepted, and that the buyer has applied for escrow payment to the selling user terminal 12 (step S306). In response to this notification, the selling user S operates the selling user terminal 12 to specify the designated U
The dedicated site is accessed using the RL and the password, and an acquisition request for an agreement screen (see FIG. 5) is made (step S307). After confirming the content of the acquired agreement screen and inputting the agreement information (step S30)
9) The input information (agreement information) is transmitted to the escrow settlement support server 11 (step S310).
By performing the above processing (steps S306 to S310), the selling user S indicates to the escrow operator that he or she agrees to the escrow settlement service (step S202). In step S311, the escrow settlement support server 11
Saves the received agreement information in a database.

After confirming that the agreement of the sale user S has been obtained, the escrow settlement support server 11 transmits the bank account of the escrow operator used in the current escrow settlement to the sale user terminal 12 and the purchase user terminal 13. Notifying and receiving completion notification (step S3)
12). In addition, the escrow settlement support server 11 performs a notification for requesting the sale user S and the purchase user B to register information necessary for performing escrow settlement (registration in the escrow settlement support server 11) (step). S312).

[0108] The purchase user terminal 13 executes step S313.
In accordance with the operation of the purchase user B, the necessary information such as the own bank account number used in the current escrow settlement is transmitted to the escrow settlement support server 11. Similarly, in step S314, the selling user terminal 12 has, in response to the operation of the selling user S, its own bank account number to be used in the current escrow settlement, and a designated delivery company (for example, in cooperation with an escrow operator). (Specify by selecting from a plurality of delivery companies), desired place to pick up bag Ba (for example, home, office, convenience store, etc.)
And the like is transmitted to the escrow settlement support server 11.

[0109] When receiving the necessary information for performing the escrow payment from the purchase user terminal 13 and the sale user terminal 12, the escrow payment support server 11 proceeds to the procedure schedule for performing the escrow payment (for example, the buyer and the seller bear the payment burden, respectively). And the date and time of receiving the notice of the conclusion of the loan agreement, the place and date and time at which the delivery company will pick up the bag Ba), and the information on the determined procedure is obtained by the purchase user terminal 13 and the sale user terminal. 12 is transmitted (step S315). At this time, it is not possible to determine the date and time at which the delivery company will pick up the bag Ba. Therefore, a schedule such as, for example, within three days after a later-described payment (see step S604) is made, may be set. Further, the escrow payment support server 11 transmits information for requesting the purchase user terminal 13 and the sale user terminal 12 to perform a procedure required for performing escrow payment (step S315). In this example, a payment request to the payer, a request to pack the bag Ba to the selling user S, and the like are made. Escrow payment support server 1 as described above
1 notifies or requests various information to the purchase user terminal 13 and the sale user terminal 12 (step S).
203).

Then, the escrow settlement support server 11
Gives a loan provider (loan institution) designated by the purchase user B a predetermined amount for the purchase user B (the purchase user B
Requests a loan for the desired loan amount specified by the user (step S)
316).

Next, the escrow settlement support system 10a
Will be described with reference to FIG. FIG. 11 shows an escrow settlement system 10
It is a flowchart which shows the example of the escrow settlement execution processing in a. Here, a description will be given of a case where the escrow payment is performed after the escrow payment preparation processing is performed by the processing of FIG. 10 described above.

In the escrow settlement execution process, the escrow settlement support server 11 sends various amounts (self-preparation amounts,
It is monitored whether or not the (payment amount) has been received from the payer, and whether or not there has been a loan contract notification from the loan provider (step S603).

[0113] In this example, the loan provider performs the credit check of the purchase user B in response to the loan request in step S204, and based on the result, gives the purchase user B the amount of the loan desired. Decide whether to make a loan. If it is determined that the loan for the desired loan amount is made to the purchase user B, the loan provider presents the contract user information such as the interest rate fee, the installment payment amount, and the total payment amount to the purchase user B. When the purchase user B confirms the content of the presented contract-related information and accepts the loan contract, a loan contract is established (concluded) between the loan provider and the purchase user B. When the loan contract is concluded, the loan provider uses the loan provider terminal 14 to transmit a loan contract conclusion notice indicating that the loan contract has been concluded with the purchase user B to the escrow settlement support server 11. (Step S209).

In this example, whether or not to make a loan to the purchase user B is determined only by the result of the credit examination for the purchase user B. As described above, since the collateral value judgment or the like of the transaction target product is not performed, it is possible to determine whether to make a loan at an early stage. Also, in this example, since the collateral value of the traded product is not determined,
Escrow settlement can be performed using a loan even when an article having no value as security or an article for which it is difficult to determine the security value is traded.

When the escrow settlement support server 11 confirms that the various amounts have been received from the payer and that the loan contract notification has been received (step S6).
03, Y), deposit an amount corresponding to the loan target fund (here, the amount decided to receive the loan) into its own designated account, and perform the subsequent escrow settlement execution processing. That is, when the escrow settlement support server 11 receives the notice of the conclusion of the loan contract, the escrow settlement support server 11 pays for the loan target fund, assumes that the purchase user B has received the loan target fund, and enters a state in which the escrow settlement processing can be continued. (Step S604).

As described above, in this example as well, in response to receiving the notice of the conclusion of the loan contract, the loan object funds are paid out, and it is regarded (determined) that there is a deposit from the loan provider. It has a configuration. Therefore, it is possible to use the loan target fund from the loan provider (use by deemed processing) at an early stage, and even if the loan target fund has not actually been loaned yet, the escrow settlement procedure Can be prevented from being stopped. Therefore, many users can use the escrow payment.

When the escrow settlement support server 11 advances the loan target fund (step S604), it issues an instruction to the delivery company to take the bag Ba from the selling user and send it to the buying user B. (Step S220, Step S111). Specifically, in this example, the escrow settlement support server 11 uses the delivery company terminal 16 managed by the delivery company designated by the selling user S.
For example, an e-mail is transmitted to the user to instruct the delivery of the bag Ba. It is to be noted that the cost required for the delivery of the bag Ba or the like is covered by the corresponding amount paid from the payer (for example, the selling user S) to the designated account of the escrow operator according to the terms of use. That is, the escrow settlement support server 11, for example, when giving a delivery instruction, from the amount of money deposited in its own account to delivery to an account of a delivery company that has been grasped in advance (including pickup, transportation, etc.). For transferring the amount of money required for.

Upon receiving the delivery instruction, the delivery company goes to the pick-up place (for example, the home of the selling user S, a convenience store designated by the selling user S, etc.) and removes the bag Ba. The bag Ba is delivered to the delivery location specified (for example, the home of the purchasing user B, a convenience store designated by the purchasing user B, or the like). Therefore, bag B
a is the source of purchase user B (of FIG. 9) from the source of sale user S (of FIG. 9) via the delivery company (of FIG. 9).
Will be delivered to The pick-up date is, for example, after receiving a loan contract conclusion notice via the escrow settlement support server 11 (may be before receiving the loan contract conclusion notice).
The terminals 12, 16 between the delivery company and the selling user S
Is determined using Similarly, the delivery date and delivery location can be determined, for example, via the escrow payment support server 11 after receiving the loan contract conclusion notice (or before receiving the loan contract conclusion notice). B is determined using each of the terminals 13 and 16.

When the delivery instruction is issued, the escrow settlement support server 11 monitors whether the bag Ba has been delivered to the purchase user B by the delivery company (step S11).
2). Specifically, in this example, whether or not the bag Ba has been delivered to the purchase user B is determined based on whether or not there has been a notification from the delivery company that has picked up the bag Ba from the sale user S and delivered it. Will be In this example, after the delivery is completed, the delivery company notifies the escrow settlement support server 11 that the delivery of the bag Ba is completed using the delivery company terminal 16 (step S221). In addition,
The confirmation as to whether or not the bag Ba has been delivered to the purchase user B may be performed based on a receipt notification from the purchase user terminal 13. The escrow payment support server 11
Upon confirming that the delivery of the bag Ba has been completed, a sales contract cancellation notice from the purchase user B is received for a predetermined period (for example, 7 days) from the delivery date (step S606).
Step S607). When the delivered car C differs from the contract contents (for example, when there is a damaged part not included in the contract contents), the purchase user B makes a purchase contract with the escrow settlement support server 11 using the purchase user terminal 13. By transmitting the cancellation notice, the processing can be stopped according to the escrow terms of service.

When canceling the escrow settlement process,
In response to a request from the escrow settlement support server 11, the delivery company pulls the bag Ba from the purchase user B,
What is necessary is just to perform the delivery process which restores the selling user S. Note that the pick-up location, pick-up date, pick-up location, and pick-up date may be determined between the delivery company terminal 16 and each of the user terminals 12, 13 via the escrow payment support server 11. The escrow payment support server 11
Responds to the return completion notification from the delivery company terminal 16 or the return receipt notification from the sale user terminal 12 so as to refund the deposit (or to refund the delivery fee for return). What should I do?

If there is no notice of the cancellation of the sales contract from purchase user B (N in step S606, step S6
07) Y), the escrow settlement support server 11 cancels the deposit and deposits the transaction amount (including the loan target fund) deposited by the purchasing user B into the account of the selling user S. (Step S212, Step S6)
08).

Note that a predetermined period (for example, step S31)
If no payment is made from the payer or no notice of the conclusion of the loan contract has been received before the elapse of 15 days from the date of the notification and the request of step 5 (step S612)
Y), when there is no notification of the completion of the delivery from the delivery company terminal 16 before a predetermined period (for example, within 15 days from the date of the notification and the request in step S315) has elapsed (Y in step S113), Alternatively, step S60
If there is a sales contract cancellation notification from the user B before the predetermined period shown in FIG. 7 (for example, within 22 days from the date of the notification and the request in step S315) (Y in step S606), the escrow Payment support server 11
Stops the current escrow payment process according to the terms of use (steps S613, S114, and S614).

When the escrow settlement support server 11 releases the deposit and deposits the sales amount in the account of the selling user S, the escrow settlement supporting server 11 creates a report of service completion for each of the selling user S and the buying user B, and creates each of the created reports. The report is transmitted to the selling user terminal 12 and the buying user terminal 13 (Step S213, Step S609).

With the escrow settlement support system 10a configured as described above, the same effect as that of the escrow settlement support system 10 of the present example can be obtained, and in fact, the financing target fund has not yet been financed. However, it is possible to prevent the escrow settlement procedure from being stopped. Therefore, many users find that articles having no collateral value, such as jewelry and bags, or articles whose collateral value is difficult to judge (for example, articles whose value cannot be determined without the help of a specific expert, values greatly fluctuate depending on judgment time). For goods, etc.), a secure transaction service by escrow settlement can be used.
Therefore, hesitating to pay in a lump but giving general consumers many opportunities to purchase goods that they would like to obtain if installment payments are possible is possible. Become like

It is needless to say that the above-mentioned purchase guarantee amount allocation service can be used in the escrow settlement by the escrow settlement support system 10a.

[0126]

As described above, according to the escrow settlement support method of the present invention, first, the server establishes a communication network between an application for escrow settlement from a party and an application for use of a loan related to the purchase of an article. Accept through. Next, the server requests the conclusion of a loan contract for a part or all of the required settlement amount including the sales amount of the article, and monitors whether or not the loan contract has been concluded. Then, the server is configured to reimburse the loan target amount as part or all of the settlement required amount when the loan contract is concluded, so that the loan target fund is actually loaned. Even before the escrow settlement procedure is completed. Therefore, many users can use the secure transaction service by escrow payment.

When an application for using a loan is received for a part of the required settlement amount, first, the server requests payment for another part of the required settlement amount. Next, the server monitors whether another part of the required payment amount has been received. When the loan contract is concluded and another part of the required payment amount is received, the server advances the loan target amount and determines that the required payment amount has been received. in case of,
If the other part of the required settlement amount has been paid, the escrow settlement procedure can be continued even before the fund to be loaned is actually loaned.

Further, according to the escrow settlement support method of the present invention, the server first transmits the application for the escrow settlement from the party and the application for the use of the purchase guarantee amount allocation service in the purchase of the goods via the communication network. Accept. Next, the server requests a confirmation as to whether or not the purchase guarantee is effectively established for another article owned by the buyer. Then, when the server confirms that the purchase guarantee is validly established, part or all of the purchase guarantee amount is paid in advance as part or all of the settlement required amount including the sales amount of the article. If you have other goods for which the purchase guarantee is valid, you can use the purchase guarantee amount even before selling other goods, and continue the escrow settlement procedure Can be done. Therefore, many users can use the secure transaction service by escrow payment.

When an application for the purchase guarantee amount appropriation service is received for a part of the settlement required amount, first,
The server requests payment for another part of the required settlement amount. Next, the server monitors whether another part of the required payment amount has been received. Then, the server, if it is confirmed that the purchase guarantee is validly established and another part of the settlement required amount is deposited, pays a part or all of the purchase guarantee amount, If it is configured to determine that the required settlement amount has been credited, use the purchase guarantee amount even before selling other goods if you have received payment for another part of the required settlement amount Then, the escrow settlement procedure can be continued.

The server accepts an application for confirming the physical location of the article via the communication network, requests storage at the physical confirmation location of the article, and requests payment of a confirmation amount required for the physical confirmation of the article. In the case where it is configured to instruct the execution of the physical confirmation of the article in response to the payment of the confirmation amount, the buyer determines in advance that the physical confirmation is to be performed and then determines whether to continue the escrow settlement procedure. be able to.

When the server determines that the required settlement amount has been received, if the server is configured to perform the payment processing of the sales amount to the seller, the seller can acquire the selling price early.

Further, according to the escrow settlement support program of the present invention, the computer is caused to execute a step of receiving, via a communication network, an application for escrow settlement from a party and an application for use of a loan related to the purchase of an article. Next, the computer is caused to execute a step of requesting the conclusion of a loan contract for a part or all of the required settlement amount including the sales amount of the article, and a step of monitoring whether or not the loan contract has been concluded. . Then, when the loan contract is concluded, the computer is configured to execute the step of reimbursing the loan target amount as part or all of the required settlement amount, so that the loan target The escrow settlement process can continue even before the funds are actually loaned. Therefore, many users can use the secure transaction service by escrow payment.

Further, according to the escrow settlement support program of the present invention, a step of receiving, via a communication network, an application for an escrow settlement from a party and an application for use of a purchase guarantee amount allocation service in the purchase of articles. Is executed. Next, the computer is caused to execute a step of requesting a confirmation as to whether or not the purchase guarantee is validly established for another article owned by the buyer. Then, when the computer confirms that the purchase guarantee is validly established, a part of or all of the purchase guarantee amount is paid in advance as part or all of the settlement required amount including the sales amount of the article. If you have other goods for which the purchase guarantee is valid, you can use the purchase guarantee amount even before selling the other goods. Yes, the escrow settlement procedure can be continued. Therefore, many users can use the secure transaction service by escrow payment.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration example of an escrow payment support system according to an embodiment of the present invention.

FIG. 2 is an explanatory diagram illustrating a flow of an escrow payment process according to an embodiment of the present invention;

FIG. 3 is a timing chart showing an example of escrow payment preparation processing and processing timing in the escrow payment support system according to one embodiment of the present invention;

FIG. 4 is an explanatory diagram showing an example of an escrow payment application screen provided by an escrow payment support server.

FIG. 5 is an explanatory diagram showing an example of an escrow payment agreement screen provided by an escrow payment support server.

FIG. 6 is a flowchart illustrating an example of an escrow payment execution process according to an embodiment of the present invention.

FIG. 7 is a flowchart illustrating an example of an escrow payment execution process according to another embodiment of the present invention.

FIG. 8 is a block diagram showing another configuration example of the escrow payment support system according to the embodiment of the present invention.

FIG. 9 is an explanatory diagram illustrating another flow of the escrow settlement process according to the embodiment of the present invention.

FIG. 10 is a timing chart showing another example of escrow payment preparation processing and processing timing in the escrow payment support system according to one embodiment of the present invention.

FIG. 11 is a flowchart illustrating another example of the escrow payment execution processing according to the embodiment of the present invention.

[Explanation of symbols]

 10, 10a Escrow settlement support system 11 Escrow settlement support server 12 Sale user terminal 13 Purchase user terminal 14 Loan provider terminal 15 Carrier terminal 16 Delivery company terminal 20 Network

Claims (8)

[Claims] Claims 1. An escrow settlement support method for performing settlement between parties who have concluded a sales contract for an article, wherein the server performs an application for an escrow settlement from the party and an application for using a loan related to the purchase of the article. Accepting via a communication network, requesting the conclusion of the loan contract for a part or all of the required settlement amount including the sales amount of the article, monitoring whether or not the loan contract has been signed; An escrow payment support method in which, when a contract is concluded, a loan target amount is paid out as part or all of the required settlement amount. 2. When receiving an application for using a loan for a part of the required settlement amount, the server requests payment for another part of the required settlement amount, and Monitoring whether or not another portion of the loan has been received, when the loan contract has been concluded, and when another portion of the required settlement amount has been received, the loan target amount is paid in advance, and the settlement is performed. 2. The escrow settlement support method according to claim 1, wherein it is determined that the required amount has been paid. 3. An escrow settlement support method for performing settlement between parties who have concluded a sales contract for goods, wherein the server applies for escrow settlement from the parties and uses a purchase guarantee amount allocation service in the purchase of the goods. Request via the communication network, and for the other goods owned by the buyer, make a request to confirm whether the purchase guarantee has been validly established, and the purchase guarantee has been effectively established. Escrow payment support method in which part or all of the purchase guarantee amount is paid in advance as part or all of the settlement required amount including the purchase and sale amount of the article. 4. When receiving an application for use of the purchase guarantee amount allocation service for a part of the required settlement amount, the server requests payment of another part of the required settlement amount, It monitors whether another part of the required settlement amount has been deposited, confirms that the purchase guarantee has been effectively established, and has received another part of the required settlement amount. In case,
4. The escrow settlement support method according to claim 3, wherein part or all of the purchase guarantee amount is paid in advance, and it is determined that the required settlement amount has been paid. 5. A server accepts an application for confirming the goods in kind via a communication network, requests the storage of the goods in a place for confirming the goods, and deposits a confirmation amount necessary for confirming the goods in kind. 5. The escrow settlement support method according to claim 1, wherein, in response to receipt of the confirmation amount, an instruction to execute a physical confirmation of the article is issued. 6. 6. The escrow settlement support method according to claim 5, wherein when the server determines that the required settlement amount has been received, the server performs a payment process of the sales amount to the seller. 7. An escrow settlement support program for performing settlement between parties who have concluded a sales contract for an article, comprising: applying to a computer for escrow settlement from the party; and applying for a loan for purchasing the article. Receiving through a communication network, requesting the conclusion of the loan contract for part or all of the required settlement amount including the sales amount of the article, and whether the loan contract has been concluded. An escrow settlement support program for executing a step of monitoring whether a loan contract has been concluded and a step of reimbursing the loan target amount as a part or all of the settlement required amount when a loan contract is concluded. 8. An escrow settlement support program for performing settlement between parties who have concluded a sales contract for an article, comprising: applying to a computer for escrow settlement from the party; Accepting an application for the use of the purchaser via a communication network; requesting a confirmation as to whether the purchase guarantee is validly established for another article owned by the buyer; and If it is confirmed that the above conditions are satisfied, a part or all of the purchase guarantee amount is paid for as part or all of the settlement amount including the sales amount of the article. Support program.