JP2008226092A - Escrow service providing system and computer program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a safe and quick escrow service. <P>SOLUTION: This escrow service providing system is provided with a trust evaluation determination means 12 for reading a trust evaluation of a merchandise provider from a trust evaluation information database 20 and determines whether the trust evaluation is equal to or more than a prescribed reference value. When the trust evaluation of the merchandise provider is equal to or more than the reference value, the system is configured to charge a user for a purchase price and transmit an instruction to pay a purchase price to a terminal device of a price payer regardless of the reception of money reception information of the purchase price from the user, and transmit a merchandise providing side management device 300 an instruction to send purchased merchandise to the user. This greatly shortens a time until the actual merchandise reaches the user and a time until the purchase price is transferred to the merchandise provider after establishing commercial transaction on the Internet between the user and the merchandise provider. <P>COPYRIGHT: (C)2008,JPO&INPIT

Description

  The present invention provides an escrow service that provides an escrow service that is used to ensure the safety of a commercial transaction between a product provider and a user when a product is traded via a communication means such as the Internet. The present invention relates to a system and a computer program.

  Online shopping, which purchases products by accessing the sites (EC sites) of product providers that provide products, mainly through the Internet, has become very popular. In addition to business-to-consumer transactions, recently, commercial transactions between consumers through auction sites have become increasingly popular. Under such circumstances, the purchaser of the product or the successful bidder of the auction (hereinafter collectively referred to as “user”) pays the price necessary for obtaining the product (hereinafter referred to as “purchase price”). However, the number of troubles such as the target product not being delivered or the delivered product differing from what was viewed on the site is increasing, increasing the certainty of collecting the purchase price from the user, and ensuring the product to the user The escrow service, which is an intermediary service for delivering the message, has been spreading.

  For example, Patent Document 1 discloses a system that provides the following escrow service. First, when the winning bid price is determined between the auction seller (product provider) and the winning bidder, the winning bidder is paid an amount corresponding to the winning bid price to the virtual account designated by the escrow service provider. Encourage you to. If the amount of money is received from the winning bidder, the payment information is transmitted to the exhibitor. When the seller receives the deposit information to the virtual account, the seller sends the commodity to the successful bidder via the logistics company. The successful bidder sends a confirmation notice to the escrow service provider that the product has been received, and after receiving the confirmation notice, the escrow service provider uses the seller's Send money to the specified bank account. If the product sent to the successful bidder is different from the one at the successful bid on the auction site, or if the product does not arrive, etc., if the escrow service provider receives the information from the successful bidder, Since the amount of money deposited in the virtual account may be refunded from the escrow service provider to the winning bidder, trouble between the exhibitor and the winning bidder is reduced.

JP 2002-74219 A

  According to the mechanism of the escrow service described in Patent Document 1, the occurrence of troubles between the exhibitor (product provider) and the successful bidder (user) is reduced, which helps to ensure the safety of electronic commerce. . However, after purchasing a product or making a successful bid, payment from the user to the virtual account of the escrow service provider, shipping of the product from the product provider to the user, confirmation of product arrival, remittance from the virtual account to the product provider It is necessary to execute the process in order, and it takes time for the user to arrive at the product and it takes time for the product provider to pay for the purchase compared to not using the escrow service. There's a problem.

  The present invention has been made in view of the above, and while the safety of electronic commerce can be improved, the time until the product arrives at the user is shortened, and the time until the purchase price is received by the product provider It is an object of the present invention to provide an escrow service providing system that provides an escrow service that can shorten the time and a computer program that operates the escrow service providing system.

In order to solve the above problems, an escrow service providing system of the present invention is an escrow service providing system connected to both a user side terminal device and a product providing side management device via a communication means,
A trust evaluation information database in which the trust evaluation of the product provider is recorded;
Purchase information receiving means for receiving product purchase information between the user side terminal device and the product providing side management device;
Based on the product provider information included in the product purchase information obtained by the purchase information receiving means, the trust evaluation of the product provider is read from the trust evaluation information database, and whether or not the trust evaluation is a predetermined reference value or more. A trust evaluation judging means for judging;
A charge billing information transmitting means for transmitting billing information of the purchase price to the user terminal device;
A purchase price payment instruction means for transmitting a purchase price payment instruction to a terminal device of a price payment executor who pays a purchase price to the product provider;
The merchandise providing side management device comprises purchased merchandise shipping instruction means for sending a shipping instruction of the purchased merchandise to the user,
When the trust evaluation of the product provider is determined to be equal to or higher than the reference value by the trust evaluation determination means, the price request information transmission is performed regardless of whether or not receipt information of purchase price from the user is received. The purchase price payment instructing means and the purchased merchandise shipment instructing means are executed together with the means.
When the trust evaluation of the product provider is determined to be less than the reference value by the trust evaluation determination means, the price request information transmission is performed regardless of whether or not receipt information of the purchase price from the user is received. The purchased product shipping instruction means is executed together with the means, and the purchase price payment instructing means is executed after receiving the product arrival information that the purchased product has arrived at the user by the execution of the purchased product shipping instruction means. It is preferable that
Transport information receiving means for receiving transport information from a logistics company that transports the product from the product provider to the user, and the transport information includes shipping information from the product provider to the user and the arrival of the product. It is preferable that information is included.
The user-created trust evaluation by the user of the product provider transmitted from the user-side terminal device is received as a user-created evaluation, and the user-created evaluation is received as the trust evaluation of the product provider in the trust evaluation information database. It is preferable to have user-created evaluation reflecting means for reflecting and adjusting.
It is preferable to have conveyance information reflecting means used as adjustment data for reflecting and adjusting the conveyance information received by the conveyance information receiving means in the trust evaluation.
The delivery information reflecting means is the delivery information included in the delivery information received by the delivery information receiving means, the date and time when the delivery instruction is issued to the product provider by the purchased goods delivery instruction means, and the logistics company actually delivers It is possible to include a means for calculating a difference from the date and time and calculating the value of the adjustment data according to the length.
Further, the computer program of the present invention is a computer program for causing an escrow service to be executed by a computer connected via a communication means to both the user side terminal device and the product providing side management device,
A purchase information receiving step for receiving product purchase information between the user side terminal device and the product providing side management device;
Based on the product provider information included in the product purchase information obtained in the purchase information receiving step, the trust evaluation of the product provider is read from the trust evaluation information database in which the trust evaluation of the product provider is recorded. A trust evaluation judging step for judging whether or not a predetermined reference value or more;
A charge billing information transmission step of transmitting billing information of the purchase price to the user terminal device;
A purchase price payment instruction step of transmitting a purchase price payment instruction to a terminal device of a price payment executor that pays the purchase price to the product provider;
The product providing side management device comprises a purchased product shipping instruction step for transmitting a shipping instruction of the purchased product to the user,
When the trust evaluation of the product provider is determined to be greater than or equal to the reference value in the trust evaluation determination step, the price billing information transmission is performed regardless of whether or not receipt information of the purchase price from the user is received. In addition to the step, the purchase price payment instruction step and the purchased product shipment instruction step are executed.
If the trust evaluation of the product provider is determined to be less than the reference value in the trust evaluation determining step, the price billing information transmission is performed regardless of whether or not receipt information of the purchase price from the user is received. The purchased product shipping instruction step is executed together with the step, and after receiving the product arrival information that the purchased product has arrived at the user by executing the purchased product shipping instruction step, the purchase price payment instruction step is executed. It is preferable that
The user-created trust evaluation by the user of the product provider transmitted from the user-side terminal device is received as a user-created evaluation, and the user-created evaluation is received as the trust evaluation of the product provider in the trust evaluation information database. It is preferable to have a user-created evaluation reflecting step for reflecting and adjusting.
It is preferable to include a conveyance information reflecting step that uses conveyance information transmitted from a logistics company that conveys the commodity from the commodity provider to the user as adjustment data for reflecting and adjusting the trust evaluation.
The transport information reflecting step calculates a difference between the date and time when the shipping instruction is issued to the product provider by the purchased product shipping instruction step and the date and time when the logistics company actually ships from the shipping information included in the transport information. The method may include a step of calculating the value of the adjustment data according to the length.

  An escrow service providing system and a computer program according to the present invention read a trust evaluation of a product provider from a trust evaluation information database and determine whether or not the trust evaluation is equal to or higher than a predetermined reference value (trust evaluation determination step). It has. When the trust evaluation of the product provider is equal to or higher than the reference value, the escrow service providing system charges the purchase price to the user regardless of whether or not the receipt information of the purchase price is received from the user. In this configuration, a purchase price payment instruction is transmitted to the terminal device of the payment executor, and a shipping instruction of the purchased product to the user is transmitted to the product provider management device. In other words, in the present invention, instead of charging the purchase price to the user and confirming the payment of the amount, shipping the product, etc., if the trust evaluation of the product provider is a predetermined reference value or more, This is a system that collectively executes the delivery of the product and the remittance to the product provider as well as charging the purchase price to the user without confirming the payment from the user. Therefore, after a commercial transaction is established between the user and the product provider on the Internet, the time until the actual product arrives at the user and the time until the purchase price is transferred to the product provider are greatly reduced. The

  On the other hand, even when the trust evaluation of the product provider is less than a predetermined reference value, the product is sent out together with the purchase price charged to the user regardless of whether or not the purchase price is received from the user. Resulting in. However, the payment of the purchase price from the escrow service provider to the product provider is executed after the escrow service providing system receives the arrival information of the product from the user. In this case, although it is inferior to the above case where the trust evaluation is equal to or higher than a predetermined reference value, the time until the product arrives at the user as compared with the conventional mechanism in which the product is shipped after the purchase price is transferred from the user , It is possible to shorten both the time until the purchase price is transferred to the product provider.

  Therefore, according to the present invention, in any of the above cases, electronic commerce can be performed more quickly than before, and if the trust evaluation of the product provider is high, electronic commerce can be performed more quickly.

  In addition, by adding the evaluation of the product provider by the user or the evaluation of the product provider by the logistics company to the trust evaluation of the product provider, the trust evaluation of the product provider is updated at any time, and troubles are more likely to occur. This will contribute to the improvement and speeding up of e-commerce.

  Hereinafter, embodiments of the present invention will be described in more detail with reference to the drawings. FIG. 1 is a schematic diagram for explaining an outline of an escrow service providing system 10 according to an embodiment of the present invention. The escrow service providing system 10 includes a computer (user side terminal device) 200 of a user such as a product purchaser or a successful bidder, an EC site or an auction site that provides online shopping via communication means such as the Internet. It is connected to a computer (product providing side management device) 300 of the product provider such as the provider of the used product.

  The escrow service providing system 10 composed of a computer as a server is normally under the control of an escrow service provider independent of the product provider or user, but the escrow service is provided by contracts with each product provider. Information related to the purchase and successful bid of a product exchanged between the user terminal device 200 and the product provider management device 300 through communication means such as the Internet (hereinafter referred to as “product purchase information”). Is now available. Note that the user side terminal device 200 and the product providing side management device 300 may be configured to always exchange information by relaying the escrow service providing system 10, or a product transaction contract is established from the product providing side management device 300. It is good also as a setting which merchandise purchase information is transmitted to the escrow service provision system 10 only when it does.

  Specifically, the escrow service providing system 10 includes purchase information receiving means (purchase information receiving step) 11 for receiving product purchase information between the user side terminal device 200 and the product providing side management device 300, Trust evaluation determination means (trust evaluation determination step) 12, price request information transmission means (price request information transmission step) 13, purchase price payment instruction means (purchase price payment instruction step) 14, purchased product delivery instruction means (purchase product delivery instruction) Step) 15 etc. In addition, the database includes a trust evaluation information database (trust DB) 20 in which the trust evaluation of the product provider is recorded.

  Here, as shown in FIG. 2, the trust evaluation is set for each product provider operating the EC site, etc., and the address, name (name), capital, annual sales of the product provider are set. Etc. are set so that they can be linked to a product provider database (product provider DB) 30 in which etc. are recorded. “Trust evaluation” is an evaluation value related to credit information of a product provider. After signing the escrow service usage agreement between the product provider and the escrow service provider, initially, any product provider may set the same evaluation value as the initial value. Different evaluation values may be set for each product provider determined by the provider based on the capital, annual sales, and the like of the product provider. For example, when the trust evaluation is a numerical evaluation from 0 to 10, all the initial values can be set to “5” of the same value, or all can be set to start from “0”. Alternatively, the product provider A sets “8” as the initial value because the capital is large, and the product provider B sets “2” as the initial value because it is the first product transaction after starting a business. May be. The trust evaluation adjustment means will be described later.

  The product purchase information received by the purchase information receiving means (purchase information receiving step) 11 can be set to include information on whether or not to use the escrow service. This can be done by using the escrow service when dealing with the product provider by contract with the product provider, or selectively using the escrow service when the user desires. It can also be used. In the latter case, the trust evaluation determination means (trust evaluation determination step) 12 is activated when information requesting to use the escrow service is received together with the product purchase information. In addition, when the user side terminal device 200 and the product providing side management device 300 are configured to always exchange information by relaying the escrow service providing system 10, if the escrow service is not used, that effect Is transmitted from the escrow service providing system 10 to the product providing side management apparatus 300.

  The trust evaluation judging means (trust evaluation judging step) 12 first reads information on whether or not to use the escrow service from the product purchase information received by the purchase information receiving means 11 and specifies the product provider. Read information. When using the escrow service, the trust evaluation information database 20 is accessed, the trust evaluation of the product provider is read, and the trust evaluation is compared with a reference value. For example, when the reference value is set to “6”, it is determined whether or not “6” or more.

  The price billing information transmitting means (price billing information transmitting step) 13 is a means for transmitting billing information for the purchase price for the desired product to the user side terminal device 200. The user performs a deposit procedure according to the billing information. Usually, following the purchase or successful bid of a product, billing information (billing amount or the like) is displayed on the display of the user terminal device 200, and a screen for the user to select a payment method according to the billing information is displayed. For example, in the case of credit settlement, a credit card number is input. In addition, bank transfer, transfer through convenience store, etc. can be used. In any case, when the user takes a deposit procedure based on the bill request information transmitting means (price request information transmitting step) 13, the purchase price is deposited into the account of the financial institution of the escrow service provider.

  The purchase price payment instruction means (purchase price payment instruction step) 14 is provided on the terminal device 400 of a price payment executor (such as a financial-related business department of an escrow service provider or an external financial institution) that pays the purchase price to the product provider. Send purchase price payment instructions. If this information is received by the terminal device 400, the purchase price is paid to the account of the financial institution of the merchandise provider via the price payer.

  The purchased product shipping instruction means (purchased product shipping instruction step) 15 is a means for transmitting a purchased product shipping instruction to the user to the product providing side management device 300, and the product provider side management device 300 transmits this shipping instruction information. The product provider sends the product through the logistics company.

  Here, in this embodiment, when the trust evaluation of the product provider is equal to or higher than the reference value by the trust evaluation determination means (trust evaluation determination step) 12, the receipt information of the purchase price from the user is received. Regardless of the presence / absence, the user is charged for the price by executing the charge request information transmitting means (price request information transmitting step) 13, while the purchase price payment instructing means (purchase price payment instructing step) 14 is executed to pay the price. A purchase price payment instruction is transmitted to the executor's terminal device 400, and a purchased product shipment instruction means (purchased product shipment instruction step) 15 is transmitted to the product provider management device 300 by the purchased product shipment instruction means 15. To do.

  On the other hand, when the trust evaluation of the merchandise provider is less than the reference value by the trust evaluation determination means (trust evaluation determination step) 12, the charge is charged regardless of whether or not the receipt information of the purchase price is received from the user. While executing the information transmitting means (price request information transmitting step) 13, the user is charged for the price, while the purchased product shipping instruction means (purchased product shipping instruction step) 15 informs the product provider side management apparatus 300 to the user. Send instructions for shipping purchased items. However, the purchase price payment instruction means (purchase price payment instruction step) 14 is executed after receiving the product arrival information indicating that the purchased product has arrived at the user. That is, the execution timing of the purchase price payment instruction means (purchase price payment instruction step) 14 differs depending on whether or not the trust evaluation is equal to or higher than the reference value.

  In the above, “regardless of whether or not the receipt information of the purchase price from the user has been received” means that even if a credit card is used, after the credit application, purchase from the credit company to the account of the escrow service provider Since the payment is actually transferred after the next day of the application date, in most cases, it is synonymous with “before receiving the payment information of the purchase price from the user”.

  Next, the trust evaluation adjustment means will be described. In this embodiment, two adjustment means are prepared. One is user created evaluation reflecting means (user created evaluation reflecting step) 121, and the other is transport information reflecting means (transport information reflecting step) 122. User created evaluation reflecting means (user created evaluation reflecting step) 121 reflects the user created evaluation in the trust evaluation. The user-created evaluation is a value composed of numerical values and symbols that the user has evaluated the product provider based on the quality of the product obtained by the user, the time until the product arrives, and the like. Receives the information sent from the user-side terminal device 200 via the product provision management device 300 or directly without receiving it. The means for reflecting in the trust evaluation is arbitrary. For example, with respect to the product provider, user evaluations from a plurality of users obtained during a certain period (for example, one month) are averaged, and the value is already set as the trust evaluation. It can be reflected instead of the set value. Alternatively, half the difference between the user evaluation value and the value already set as the trust evaluation can be added or subtracted as a correction value to obtain a new evaluation value. In any case, if a new trust evaluation value is calculated, the product provider's trust evaluation value is updated to the latest value. For example, in FIG. If the trust evaluation for the product provider of 0001 is currently “10” and the user-created evaluation is “6”, this EC site no. Update the trust rating of 0001 from “10” to “6”, or subtract “2”, which is half of the difference between the two, from the current rating “10” to update the new trust rating to “8”. Can be.

  On the other hand, the conveyance information reflection means (conveyance information reflection step) 122 is a means for reflecting the evaluation of the product provider by the logistics company transported from the product provider to the user in the trust evaluation. The logistics company is notified from the purchased product delivery instruction means (purchased product delivery instruction step) 15 that the product provider management device 300 has received the delivery instruction for the purchased product, ie, the time until actual delivery, that is, The difference between the date and time when the shipping instruction is issued to the merchandise provider and the date and time when the logistics company actually ships is calculated. When this time is long, the merchandise provider can be one of the evidences that the stock preparation is not sufficient, and can be used as one of the evaluation indexes of the merchandise provider. For example, as shown in FIG. 2, if the date and time when the product is shipped is within 24 hours from the date and time when the shipping instruction is issued to the product provider, the adjustment data is 10 points, and the adjustment data is within 48 hours. 9 points are given and this is reflected in the trust evaluation value. The method of reflection is arbitrary. For example, when the average value of the adjustment data of the product provider for one month is 8 points, a means such as adding or subtracting a fraction of the value to the trust evaluation Is mentioned.

  The adjustment data based on the user-created evaluation and the conveyance information can be configured to reflect only one of them in the trust evaluation. However, both values can be reflected in the trust evaluation as in the present embodiment. preferable. Moreover, when reflecting both values, it can also be made to reflect with emphasis on either, and the average value of both can be utilized, for example, the average value can also be used as new trust evaluation.

  Next, a method for purchasing a product using this embodiment will be described with reference to FIG. First, the user accesses the product provider's site (S101) and purchases (or makes a successful bid for) a desired product (S102). At this time, if the user can select whether or not to use the escrow service, the user makes that selection (S103). When the use of the escrow service is selected, or when all the escrow service is to be used when purchasing the product of the product provider, the escrow service providing system 10 manages the product providing side management device. From 300, the product purchase information between the product provider and the user is received by the purchase information receiving means (purchase information receiving step) 11 (S104). In the escrow service providing system 10, when the product purchase information is obtained, the trust evaluation determining means (trust evaluation determining step) 12 accesses the trust evaluation information database (trust DB) 20 and the latest information of the product provider is obtained. A trust evaluation is acquired (S105).

  The escrow service providing system 10 determines whether or not the acquired trust evaluation is equal to or greater than a predetermined reference value (S106), and if it is equal to or greater than the predetermined reference value, purchase price payment instruction means (purchase price payment instruction) Step) 14 is executed, and a payment instruction for the purchase price is transmitted to the terminal device 400 of the payment operator (S107). Further, the user side terminal device 200 is charged for the cost required for purchasing the product by the price billing information transmitting means (price billing information transmitting step) 13 (S108). The merchandise providing side management apparatus 300 receives a purchase merchandise shipping instruction from the purchased merchandise dispatch instruction means (purchased merchandise dispatch instruction step) 15 (S109). Thereby, the goods provider with high trust evaluation can receive the purchase price repatriated by the payment execution person almost simultaneously when the goods are shipped after the product purchase contract with the user is established. In other words, from the viewpoint of the product provider, after the product purchase contract is established, the purchase price is received together with the product shipment. The form of transaction is almost the same as the method of receiving compensation on the spot by exchange). In FIG. 2, EC site No. with high trust evaluation is shown. 0001 and 0002 are registered as “instant payment type” which is such a transaction form.

  On the other hand, when the trust evaluation determining means (trust evaluation determining step) 12 determines that the trust evaluation is low in S106, the charge request information transmitting means (price request information transmitting step) 13 is charged ( S111) Although the purchased product shipping instruction means (purchased product shipping instruction step) 15 sends the purchased product shipping instruction to the user and the product is shipped (S110), the purchase price is paid to the user. (S112, S113). For this reason, the goods provider with low trust evaluation will be late in the timing which obtains a purchase price from the goods provider with high trust evaluation. However, since the escrow service providing system 10 nevertheless receives the payment information for the purchase price from the user, the product is sent to the user from the time when the product purchase contract is established. The time to arrival is reduced compared to the prior art. In FIG. 2, the EC site No. with a low trust evaluation is shown. 0003 is registered as the “payment type after approval” which is such a transaction form.

  Although the purchase of the product by the user is completed by the above process, the user evaluation is transmitted as shown in FIG. That is, after the user receives the product (S201), the user logs in to the product provider management device 300 (S202). On the input screen displayed after login, the evaluation of the purchased product is input (S203). This evaluation may be, for example, a numerical evaluation by the user or an arbitrary evaluation sentence. In the case of an evaluation sentence or the like, the content can be judged and replaced with numerical evaluation or the like. The merchandise provider side management apparatus 300 transmits the input user-created evaluation to the escrow service providing system 10. When the escrow service providing system 10 receives this user-created evaluation, the user-created evaluation reflecting means (user-created evaluation reflecting step) 121 operates to update the trust evaluation (see FIG. 2) recorded in the trust DB 20 (S204). .

  On the other hand, as shown in FIG. 5, the partner shipping company (distributor) transmits the shipping status to the escrow service providing system 10 when receiving the shipping product from the product provider (S301). When the escrow service providing system 10 receives this information (S302), the conveyance information reflecting means (conveying information reflecting step) 122 operates to create adjustment data corresponding to the timing until the shipment (see FIG. 2 and S303). ), The trust evaluation recorded in the trust DB 20 is updated (S304).

  As a result, despite the fact that the trust evaluation was a product provider of “immediate receipt type” that was higher than the predetermined reference value in the previous month, the “after-approval receipt type” that is less than the predetermined reference value in the following month. May be a product provider, and vice versa.

  By adopting such a system, product providers who want to obtain purchase prices more quickly will always be able to prepare their products, improve product delivery timing, and enhance product content so that the trust evaluation will be at or above the prescribed reference value. Therefore, according to the present embodiment, each product provider can be expected to make efforts to increase their own reliability, and the safety of electronic commerce is enhanced for the user. In the case where the user side terminal device 200 and the product providing side management device 300 are exchanging information via the escrow service providing system 10 and do not wish to use the escrow service (S103), the escrow service is provided. User information is transmitted from the system 10 to the product provider management device 300, and a direct transaction is performed between the user and the product provider (S120).

  According to the above-described embodiment, it is possible to solve the problem that the product is not sent even though the purchase price that has been pointed out in the past is paid, and it is possible to greatly shorten the time until the product reaches the user. However, regardless of whether or not there is a payment from the user to the escrow service provider, the product is shipped and the escrow service provider pays the purchase price to the product provider. For this reason, even though the user does not pay the purchase price to the escrow service provider, the product may be shipped to the user and the purchase price may be paid to the product provider. It will be borne by the escrow service provider. Therefore, in order to minimize such damage, the escrow service providing system 10 is provided with a user history database (user DB) 40 and a user history confirmation means (user history confirmation step) 16 for retrieving a history such as receipt information. It is preferable to keep it.

  Thereby, after receiving the product purchase information between the user and the product provider, the user DB 40 is searched by the user history confirmation confirmation means (user history confirmation step) 16 to investigate the past payment history of the user. To do. As a result, when the user has a history of unpaid accidents in the past, the system of the above embodiment is not operated, and the payment of the purchase price from the user is first confirmed as before. Thereafter, the system of the above-described embodiment can be configured to operate. As a result, it is possible to reduce unpaid accidents by the user, while this system enables safe and quick commercial transactions with users who are sure of payment.

  In addition to the purchase information receiving means (purchase information receiving step) 11 described above, a trust evaluation judging means (trust evaluation judging step) 12, a price billing information sending means (price billing information sending step) 13, a purchase price payment instructing means ( Computer programs such as purchase price payment instruction step (14) and purchased product shipment instruction means (purchased product shipment instruction step) 15 can be stored in a recording medium and provided. A “recording medium” is a medium that can carry a program that cannot occupy space by itself, such as a flexible disk, hard disk, CD-ROM, MO (magneto-optical disk), DVD-ROM, etc. is there. It is also possible to transmit from a computer installed with the program according to the present invention to another computer through a communication line. In addition, it is of course possible to form the escrow service providing system 10 of the present invention by preinstalling or downloading the above program to a general-purpose terminal device.

It is the schematic which showed the whole structure of the escrow service provision system of this invention. It is the figure which showed the table of the trust evaluation recorded on trust DB. It is the flowchart which showed the process at the time of a user purchasing goods. It is the flowchart which showed the process at the time of reflecting user preparation evaluation in trust evaluation. It is the flowchart which showed the process at the time of reflecting the conveyance information from a logistics company in trust evaluation.

Explanation of symbols

DESCRIPTION OF SYMBOLS 10 Escrow service provision system 11 Purchase information reception means 12 Trust evaluation judgment means 121 User creation evaluation reflection means 122 Transportation information reflection means 13 Price request information transmission means 14 Purchase price payment instruction means 15 Purchased goods dispatch instruction means 16 User history confirmation means 20 Trust evaluation information database (trust DB)
30 Product Provider Database (Product Provider DB)
40 User history database (User DB)
200 user side terminal device 300 merchandise providing side management device 400 terminal device of price payment execution person

Claims (11)

An escrow service providing system connected to both the user side terminal device and the product providing side management device via communication means,
A trust evaluation information database in which the trust evaluation of the product provider is recorded;
Purchase information receiving means for receiving product purchase information between the user side terminal device and the product providing side management device;
Based on the product provider information included in the product purchase information obtained by the purchase information receiving means, the trust evaluation of the product provider is read from the trust evaluation information database, and whether or not the trust evaluation is a predetermined reference value or more. A trust evaluation judging means for judging;
A charge billing information transmitting means for transmitting billing information of the purchase price to the user terminal device;
A purchase price payment instruction means for transmitting a purchase price payment instruction to a terminal device of a price payment executor who pays a purchase price to the product provider;
The merchandise providing side management device comprises purchased merchandise shipping instruction means for sending a shipping instruction of the purchased merchandise to the user,
When the trust evaluation of the product provider is determined to be equal to or higher than the reference value by the trust evaluation determination means, the price request information transmission is performed regardless of whether or not receipt information of purchase price from the user is received. The system for providing an escrow service, characterized in that the purchase price payment instructing means and the purchased product delivery instructing means are executed together with the means.   When the trust evaluation of the product provider is determined to be less than the reference value by the trust evaluation determination means, the price request information transmission is performed regardless of whether or not receipt information of the purchase price from the user is received. The purchased product shipping instruction means is executed together with the means, and the purchase price payment instructing means is executed after receiving the product arrival information that the purchased product has arrived at the user by the execution of the purchased product shipping instruction means. The escrow service providing system according to claim 1, wherein:   Transport information receiving means for receiving transport information from a logistics company that transports the product from the product provider to the user, and the transport information includes shipping information from the product provider to the user and the arrival of the product. The escrow service providing system according to claim 1 or 2, wherein information is included.   The user-created trust evaluation by the user of the product provider transmitted from the user-side terminal device is received as a user-created evaluation, and the user-created evaluation is received as the trust evaluation of the product provider in the trust evaluation information database. The escrow service providing system according to any one of claims 1 to 3, further comprising user-created evaluation reflecting means that reflects and adjusts the information.   5. The escrow service providing system according to claim 3, further comprising transport information reflecting means used as adjustment data for adjusting the transport information received by the transport information receiving means to reflect and adjust the trust information.   The delivery information reflecting means is the delivery information included in the delivery information received by the delivery information receiving means, the date and time when the delivery instruction is issued to the product provider by the purchased goods delivery instruction means, and the logistics company actually delivers 6. The escrow service providing system according to claim 5, further comprising means for calculating a difference between the date and time and calculating a value of the adjustment data according to the length. A computer program for executing an escrow service by a computer connected to both a user side terminal device and a product providing side management device via a communication means,
A purchase information receiving step for receiving product purchase information between the user side terminal device and the product providing side management device;
Based on the product provider information included in the product purchase information obtained in the purchase information receiving step, the trust evaluation of the product provider is read from the trust evaluation information database in which the trust evaluation of the product provider is recorded. A trust evaluation judging step for judging whether or not a predetermined reference value or more;
A charge billing information transmission step of transmitting billing information of the purchase price to the user terminal device;
A purchase price payment instruction step of transmitting a purchase price payment instruction to a terminal device of a price payment executor that pays the purchase price to the product provider;
The product providing side management device comprises a purchased product shipping instruction step for transmitting a shipping instruction of the purchased product to the user,
When the trust evaluation of the product provider is determined to be greater than or equal to the reference value in the trust evaluation determination step, the price billing information transmission is performed regardless of whether or not receipt information of the purchase price from the user is received. A computer program characterized in that, together with the steps, the purchase price payment instruction step and the purchased product shipment instruction step are executed.   If the trust evaluation of the product provider is determined to be less than the reference value in the trust evaluation determining step, the price billing information transmission is performed regardless of whether or not receipt information of the purchase price from the user is received. The purchased product shipping instruction step is executed together with the step, and after receiving the product arrival information that the purchased product has arrived at the user by executing the purchased product shipping instruction step, the purchase price payment instruction step is executed. The computer program according to claim 6, wherein:   The user-created trust evaluation by the user of the product provider transmitted from the user-side terminal device is received as a user-created evaluation, and the user-created evaluation is received as the trust evaluation of the product provider in the trust evaluation information database. 9. The computer program according to claim 7 or 8, further comprising a user-created evaluation reflection step for reflecting and adjusting.   8. The conveyance information reflecting step used as adjustment data that reflects and adjusts the conveyance information transmitted from a logistics company that conveys the commodity from the commodity provider to the user. The computer program of any one of -9.   The transport information reflecting step calculates a difference between the date and time when the shipping instruction is issued to the product provider by the purchased product shipping instruction step and the date and time when the logistics company actually ships from the shipping information included in the transport information. The computer program according to claim 10, further comprising a step of calculating a value of the adjustment data according to the length.

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