JP2001283032A - Transaction support system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To contribute to activation by establishing a secure, speedy and sure transaction system in the settlement of merchandise price, and expanding the transaction of surplus stock. SOLUTION: An information processor in a transaction support center is connected to be communicable to plural merchandise provider, plural agents, plural merchandise purchasing person and the information processor in an associated financial facility for settling the price of merchandise through the information network of the Internet. Sales merchandise is inserted in the home page of the Internet and the merchandise s introduced to plural merchandise purchasing person. A merchandise price paid by the merchandise purchasing person is transferred to the deposit account of a merchandise provider and an agent after the lapse of a freezing period by a business supporting system utilizing contract. Otherwise, when there is a blur in the merchandise, after solving the blur, the merchandise is settled with respect to the merchandise purchase person, a merchandise provider, an agent, etc., by the transaction support system utilization contract. The transaction support system unitarily performs processing from order reception of the sales merchandise to a merchandise claim and the settlement of the merchandise settlement.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention intervenes between a plurality of merchandise suppliers, a plurality of agents, and a plurality of merchandise purchasers to centrally perform processing from ordering of sold merchandise, merchandise claims, and settlement of merchandise price. The present invention relates to a business transaction support system that facilitates business transactions.

[0002]

2. Description of the Related Art Conventionally, as commercial inventions using the Internet, for example, Japanese Patent Application Laid-Open No. H10-320646, an invention in which the cost of settlement using electronic mail is reduced, and Japanese Patent Application Laid-Open No. H11-102404, An invention has been disclosed in which an ID card is used to simultaneously purchase goods and pay for goods on the Internet. However, the sale of overstocked goods was distributed from the goods suppliers to the wholesale trade and the retail trade, but the distribution volume was small and the price was high.

[0003]

[0005] A commodity supplier having an excessively-stocked commodity has the following problems: 1) There are not many sellers who sell a large amount of commodities at one time. It is also difficult to find such a sales destination. 2) Even if a large number of sales products are presented to the product buyer in a short time, it is difficult to negotiate a business. 3) There is a situation that the product supplier does not want to know the product supplier directly. For these reasons, it was not easy to sell over-stock items, and the over-stock items were often discarded.

An object of the present invention is to solve the requirements that hinder conventional commercial transactions, establish a safe, quick, and reliable commercial transaction system, further expand the transactions of excess inventory items, and contribute to revitalization. It is assumed that.

[0005]

SUMMARY OF THE INVENTION The present invention provides a business transaction support system for centralizing information processing among a plurality of merchandise suppliers, a plurality of agents, a plurality of merchandise purchasers, and affiliated financial institutions that settle the merchandise price. In addition to establishing a center,
This system enables information processing equipment installed at a commercial transaction support center to perform processing from ordering of sales products to settlement of product prices.

[0006] The commercial transaction support center posts products for sale on a homepage on the Internet, and introduces the products for sale to a plurality of product purchasers by communication means including the Internet. The commercial transaction support center, a plurality of agents, a plurality of merchandise suppliers, a plurality of merchandise purchasers, and affiliated financial institutions have information processing devices connected via the Internet or telephone lines.

Here, the deposit account of the partner financial institution is
It is negotiated in advance to operate this commercial transaction support system between the commercial transaction support center and affiliated financial institutions.
This is a deposit account that is agreed and agreed by the agent and the product supplier, suspends the payment of the product price paid by the product purchaser to the agent and the product supplier during the freeze period, and deposits it. The merchandise price paid by the merchandise purchaser is transferred to the merchandise supplier's or agent's deposit account after a freeze period according to the contract for using the commercial transaction support system if the merchandise is free from defects. When there is a defect in the product, that is, when the transaction claim information is received from the product purchaser, the settlement claim information is received from the product purchaser, and after determining the validity of the settlement claim information, the commercial transaction support system is performed. According to the usage contract, the product price is settled for the product purchaser, the product supplier, the agent, and the like. The freezing period is determined in consideration of a period obtained by adding a period required for physical distribution and a cooling-off period, with the transfer date as a starting date.

The functions of the information processing device of the commercial transaction support center include a function of storing information on a product supplier, a product purchaser, and an agent, a function of providing product sales information from a product supplier or an agent to a product purchaser, The function of receiving the product order from the buyer, the function of transmitting the product order information to the relevant product supplier and the agent, the payment information that the product purchaser has been transferred from the partner financial institution to the deposit account And the function of transmitting the information to the relevant product supplier and agent as product payment information, and when a transaction claim is received from the product purchaser, the information is traded with the relevant product supplier and agent. A function to send as claim information, a function to receive a settlement claim requesting a refund from the product purchaser, a function to A function to determine the legitimacy of the payment method and update the breakdown information of the payment for the product, a function to send the payment claim to the product supplier and the agent corresponding to the payment claim, and a freeze for a certain period on the payment for the product transferred to the deposit account After that, it creates the product price settlement breakdown information, transmits the product price breakdown information as a product price transfer request from the deposit account to the partner financial institution, and the product supplier,
It has a function to transmit to the agent that freezing has been completed for a certain period and the money will be transferred to each account.

[0009]

Embodiments of the present invention will be described below in detail with reference to the drawings. 1 to 8 are configuration diagrams of a commodity transaction support system according to the present invention. According to FIG. 1, a commercial transaction support center 1 that provides a commercial transaction support system of the present invention.
Has concluded a usage contract with a plurality of members, a product supplier 2, a plurality of members, and a plurality of members, a product purchaser 4, who use the business transaction support system of the present invention. 1 is a partner financial institution 5
Establish a deposit account 6 and conclude a deposit transaction contract. Thereafter, the member information relating to each of the agent 3, the product supplier 2, and the product purchaser 4 is identified as information of the agent member, the product supplier member, and the product purchaser member in the information processing device 1a installed in the commercial transaction support center 1. Registered and stored as possible.

FIG. 2 is a block diagram showing registration of a product for sale, posting on an Internet homepage, and product ordering. The merchandise supplier 2 and the agent 3 input merchandise information 7 posted on a homepage 12a of the Internet 12 provided by the commercial transaction support center 1,
Transmitted to the information processing device 1a of the commercial transaction support center 1,
The information processing device 1a processes the received product information 7 into product data to be posted on an Internet homepage. This product data has no information on the product supplier 2 by the information processing apparatus 1a, and information processing for making the product purchaser 4 easy to purchase information such as a classification, a quality, a price, and a suppliable quantity for each product type. Processing, and the homepage 1 of the Internet 12 provided by the commercial transaction support center 1
2a and the product purchaser 4 is notified via the Internet 12 (e-mail) that the product data has been updated. The plurality of product purchasers 4 place an order for the product 8 via the homepage of the Internet 12 based on the product information 7 posted on the homepage 12a of the Internet 12. In order to purchase a product, the product purchaser sends the product order information 4a to the homepage 12 of the Internet 12.
When the information is input to “a”, the information is transmitted to the information processing device 1a of the commercial transaction support center 1. The information processing device 1a of the commercial transaction support center 1 stores the product order information 4 from the product purchaser 4.
a, Based on the merchandise purchaser member information and merchandise information 7, it is determined whether the registered merchandise purchaser 4 is a valid merchandise order, whether the ordered merchandise is in stock, or not. If it is determined that the order is a merchandise order that can be ordered, the contents of the order are displayed on the homepage 12a of the Internet 12 entered by the merchandise purchaser, and if an order confirmation is input, a commercial transaction is established. The product order information 4a of the product purchaser 4 is stored in the information storage unit 1b of the information processing device 1a.

FIG. 3 is a block diagram showing the order processing between the goods supplier and the agent and the payment of the goods purchaser.
The order information 4b of "agent, purchaser, transaction number, etc." is transmitted to the agent 3 of each product via the Internet communication network. In addition, the order information 4b of “product supplier, agent, transaction number, etc. (information on the product purchaser 4 has been deleted)” is transmitted to the product supplier 2 of each product. To the product purchaser who has placed the product order, the order contents of "purchaser, agent, transaction number, etc. (information about the product supplier 2 has been deleted)" and a request for payment of the product price are transmitted. The product supplier 2 receiving the order information 4a prepares to deliver the product 8 to the distribution center of the agent 3.
The agent 3 receiving the order information 4b prepares to deliver the product 8 to the product purchaser 4. The product purchaser 4 receiving the order content and the request information 4c for payment of the product price,
The product price 4d is transferred to the deposit account 6 owned by the commercial transaction support center 1 of the designated affiliated financial institution 5 with the product price 4d. Affiliated financial institution 5 that received the product transfer information
Transmits the payment notification information 5c to the information processing apparatus 1a of the commercial transaction support center 1 via the Internet 12 or the public or dedicated telephone line 13 (FIG. 9). The information processing device 1a of the commercial transaction support center 1 compares the payment information 5c with the payment request information 4c, creates merchandise price payment information, and stores it in the information storage unit 1b of the information processing device 1a as the commercial price settlement breakdown information. Be recorded.

FIG. 4 is a block diagram showing the delivery of a product ordered by a product supplier and an agent. The commercial transaction support center 1 transmits the payment information 4e, which has been processed into the information on the destinations of the commodity supplier 2 and the agent 3, via the information network of the Internet. Payment information 4
The commodity supplier 2 that has received (confirmed) e delivers the commodity 8 to the distribution center of the agent 3. Payment information 4e
The agent 3 that has received the item 8 delivers the product 8 delivered from the product supplier 2 to the distribution center of the agent 3 to the location designated by the product purchaser 3.

FIG. 5 is a block diagram of a complaint process when a product purchased by a purchaser has a defect. The merchandise purchaser 4 may, within the freezing period of the deposit account 6; 1) if the merchandise is not delivered by the delivery date; Is transmitted to the information processing device 1a of the commercial transaction support center 1 by inputting the information to the homepage 12a of the commercial transaction support center 1. The information processing device 1a of the commercial transaction support center 1 processes the content of the claim (information) into information of each destination,
The information is transmitted to the agent 3 and the goods supplier 2 via the Internet 12. Claim information 4h of “supplier, agent, transaction number, claim content, etc.” is transmitted to the commodity supplier 2, and claim information 4g of “agent, purchaser, transaction number, claim content, etc.” is transmitted to the agent 3. The agent 3 and the goods supplier 2 receiving the complaint information 4h and 4g cancel the complaint to the goods purchaser 2.

FIG. 6 is a block diagram showing a settlement claim process involving a refund. If the above claim is not resolved within the freezing period of the deposit account,
It has means for requesting a refund of the claim equivalent of the paid product price. The settlement claim information 4j is transmitted to the information processing apparatus 1a of the commercial transaction support center 1 by inputting it into the homepage 12a of the Internet 12. The information processing device 1a of the commercial transaction support center 1 stores the product order information 4a corresponding to the settlement claim information 4j in the information processing device 1a.
And settlement claim information 4 from the product buyer 4
It is determined whether or not j is appropriate. Information processing device 1
a, it is determined that the settlement claim information 4j is appropriate.
This is written in the item price settlement information a. Further, the contents of the complaint are processed via the Internet 12 into information on the destinations of the corresponding agent 3 and the goods supplier 2 and transmitted. The settlement claim information 4k such as "agent, purchaser, transaction number, amount, etc." is transmitted to the agent 3, and the settlement claim 4m, "supplier, agent, transaction number, amount, etc." is transmitted to the commodity supplier. .

FIG. 7 and FIG. 8 are configuration diagrams relating to settlement of commercial transactions. Information processing device 1a of commercial transaction support center 1
Is the deposit account 6 after the freezing period of the deposit account 6
The payment claim return amount to the product purchaser 4, the product price payment to the product supplier 2, the agent 3 commission, and the commercial transaction support center 1 commission are constantly managed and created as the product price settlement breakdown information. After the deposit deposit account 6 is frozen, the information on the details of the settlement of the commodity price is transmitted to the affiliated financial institution 5 via the Internet 12 or a telephone line. In addition, partner financial institution 5 has agent 3 and
The calculators 3a and 2a describing the amounts to be transferred to the respective accounts of the goods supplier 2 are transmitted over the Internet. Agent 3 asks "Agent, buyer, transaction number,
The statement 3a of “amount etc.” is provided to the goods supplier 2 by the statement 2a of “supplier, agent, transaction number, amount, etc.”
Is sent.

The information processing device 5a of the affiliated financial institution 5, which has received the product price settlement breakdown information, sends the product purchasers of the respective financial institutions 9, 10 and 11 from the deposit account 6 according to the breakdown of the product price settlement breakdown information. Payment is made to the deposit account 4n, the product supplier's deposit account 2b, the agent's deposit account 3b, and the deposit account 1f of the commercial transaction support center by account transfer.

FIG. 9 shows the transmission / reception connection relationship between the information processing apparatus of the commercial transaction support center and a product purchaser, a product supplier, and an agent via the Internet, and the transmission / reception connection relationship with a financial institution. The information processing device 1a includes an information processing unit 1CPU, an information storage unit 1b, an input / output unit 1d, and a communication processing unit 1e. Various types of information provided by the product purchaser 4, the product supplier 2, and the agent 3 are received by the communication processing unit 1e via the Internet 12. Based on the information received by the information processing unit 1CPU and the information stored in the information storage unit 1c, whether the received information is appropriate or not is determined, and new information to be stored in the information storage unit 1c is created. The input / output unit 1d monitors the information processing device 1a,
It is composed of an input device, a display device, a printing device, and the like for performing management and control and for inputting new information.

The communication processing unit 1e and the affiliated financial institution 5 are connected by a public telephone line, a dedicated telephone line 13, etc., so that the transmission of financial information can be performed accurately and reliably without interception or alteration of others. Has become. Internet 1
In the case where information is transmitted to the affiliated financial institution 5 via the network 2, the information is transmitted using a means such as information encryption. Information transmission between the communication processing unit 1e and the product supplier 2, the agent 3, and the product purchaser 4 is performed via the Internet 12. In particular, when transmitting information to and from the affiliated financial institution 5, the information is transmitted using a means such as information encryption.

The information storage unit 1b includes, as data necessary for operating this system, members, affiliated financial institutions, commodities, claims, commodities, various kinds of information relating to settlements, and other inputted information. Processing, communication processing unit 1
e, a computer program for controlling the Internet 12 is stored.

[0020]

As described above, according to the commercial transaction support system of the present invention, 1) the secret of who is the merchandise supplier and who is the merchandise purchaser. Is maintained, and the distribution of excess inventory is promoted. 2) The merchandise supplier can surely collect the price of the merchandise sold to the agent, and can supply the merchandise to the agent with confidence. 3) The product purchaser can easily browse the latest excess stock product information and can purchase a large number of products at low cost. 4) The product purchaser pays the product price before receiving the product, but after receiving the product, has time to check the quality of the product, etc., and if there is a flaw in the received product, offer a settlement claim The product price transferred will be refunded, so you can purchase with confidence from the agent. 5) The goods supplier and the agent deliver the ordered goods after confirming the notice of the transfer of the goods price, so that the collection of the goods price is ensured. 6) Product buyers, product suppliers, and agents can use this system with simple Internet facilities.
Expect a surge in users. 7) Since this commercial transaction support system does not generate various risks, it is possible for the agent to operate without using a large working capital by using this system. 8) By distributing excess inventory quickly and inexpensively to the market, the disposal of commodities is reduced, which can contribute to the reduction of waste. 9) Not only excess inventory but also ordinary product inventory can be sold directly to retailer purchasers, reducing distribution costs and allowing consumers to purchase products at lower cost. There is such an effect.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of a commodity transaction support system of the present invention.

FIG. 2 is a configuration diagram of registration of a sale product, posting on an Internet homepage, and ordering of a product.

FIG. 3 is a configuration diagram regarding order processing between a product supplier and an agent, and payment for a product purchaser.

FIG. 4 is a configuration diagram regarding delivery of a product ordered by a product supplier and an agent.

FIG. 5 is a configuration diagram relating to complaint processing when a product purchased by a purchaser has a defect.

FIG. 6 is a configuration diagram relating to a settlement claim process involving a refund.

FIG. 7 is a configuration diagram relating to settlement of a commercial transaction.

FIG. 8 is a configuration diagram relating to settlement of a commercial transaction.

FIG. 9 is a configuration diagram showing a transmission / reception connection relationship between the information processing apparatus of the commercial transaction support center and a product purchaser, a product supplier, and an agent via the Internet, and a transmission / reception connection relationship with a financial institution.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Commodity trading center 1a ... Information processing apparatus 1CPU ... Information processing section 1b ... Information storage section 1d ... Input / output section 1e ... Communication processing section 2 ... Commodity supplier 3 ... Agent 4 ... Commodity purchaser 5 ... Partner financial institution 6 ... Deposited deposit account 7 ... Product information 8 ... Product 12 ... Internet 12a ... Homepage

Claims (5)

[Claims] An agent is interposed between a product supplier and a product purchaser, the product supplier and the product purchaser have anonymity with each other, and the commercial transaction support center includes a plurality of product suppliers and a plurality of product purchasers. The information processing device of the product support center has an information processing device that processes information related to commercial transactions of agents, a plurality of product purchasers, etc., and the information processing device of the product supplier, the product purchaser, the agent and the Internet. The product support center has a deposit account managed by the information processing device of the partner financial institution, and has a deposit account managed by the information processing device of the partner financial institution. An information processing device to be managed is a product transaction system connected to the Internet information network or a telephone line so as to be able to transmit and receive information. The functions of the information processing device of the transaction support center include the function of storing information about the product supplier, the product purchaser, and the agent, the function of providing the product purchase information from the product supplier or the agent to the product purchaser, and the function of the product purchaser. A function to receive product orders, a function to send the product order information to the relevant product suppliers and agents, and a function to receive payment information from the affiliated financial institution that the product purchaser has transferred the product price to the deposit account. And the function of transmitting the information to the relevant product supplier and agent as product payment information, and when receiving a transaction claim from the product purchaser, transmitting the information as transaction claim information to the relevant product supplier and agent Function to receive a settlement claim requesting a refund from the buyer, Function to determine the nature of the payment and update the breakdown information of the payment for the goods, the function of sending the payment claims to the goods suppliers and agents corresponding to the payment claims, the goods frozen after a certain period concerning the payments to the deposit account A function to create payment settlement breakdown information, transmit the breakdown of product payment settlement as a product transfer request from a deposit account to a partner financial institution, and a freeze for a certain period of time to product suppliers and agents. A commercial transaction support system having a function of transmitting a transfer. 2. The commercial transaction support system according to claim 1, wherein the deposit account is a deposit account that freezes and stores the received commodity price for a certain period. 3. When sending various information from the information processing device to the product supplier, information about the product purchaser is excluded. When sending various information to the product purchaser, information about the product supplier is used. 2. The business transaction support system according to claim 1, wherein said system is excluded. 4. The commercial transaction support system according to claim 1, wherein a function of receiving product price transfer information from a product purchaser is added to the function of the information processing device of the product transaction support center. [5] A function of transmitting the product price transfer information to the partner financial institution as the payment schedule information when the product price transfer information is received from the product purchaser to the information processing device function of the product transaction support center. 6. The commercial transaction support system according to claim 5, further comprising: