JP2002007929A - Security system for electronic commerce - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a security system for electronic commerce allowing a buyer to safely purchase a commodity by imparting the security of return guarantee to the buyer and a seller to surely recover the price. SOLUTION: In this security system for electronic commerce, a settlement agent is interposed between the seller and buyer performing a commercial transaction on Internet in an electronic commerce. The settlement agent provides a commodity guarantee service and a price collecting service to the buyer and seller registered in the list of the settlement agent. When the commercial transaction is established between the seller and the buyer, the settlement agent performs the service of keeping the price from the seller, sending the commodity from the seller to the buyer, and returning the price to the buyer when the buyer returns the commodity to the seller in a prescribed period. The settlement agent also performs the service of sending the price to the buyer after the lapse of the prescribed period, and collects the guarantee fee from the buyer and/or the seller.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce system on the Internet, and more particularly to an electronic commerce security system for ensuring a product guarantee by a buyer and a price guarantee by a seller.

[0002]

[Problem to be Solved] Electronic commerce performed on the Internet is not a face-to-face transaction, so that the buyer feels distrust in the transaction due to the collection of money for the product, and both parties hesitate to conduct the transaction. In particular, in transactions on the Internet, the legally obliged cooling-off system for door-to-door sales is not established by law. For this reason, there is a risk that troubles may occur due to the return of goods, repayment of the price, etc. As a result, the seller may hinder sales promotion and the buyer may hesitate to purchase the product. An object of the present invention is to provide an e-commerce security system that gives a buyer a sense of security of return guarantee so that he / she can purchase goods with peace of mind and that a seller can reliably collect money. .

[0003]

The invention according to claim 1 is an electronic commerce in which a settlement agent is interposed between a seller and a buyer who conduct business on the Internet, and the settlement agent registers in a list of settlement agents. Provide merchandise guarantee service and money collection service to sellers and buyers, and when commercial transactions between sellers and buyers are established, a settlement agency will take payment from buyers, send goods from buyers to buyers, and buyers will sell to buyers. If the goods are returned within a predetermined period, a service to refund the price to the buyer is performed, and after the predetermined period,
An e-commerce security system that provides a service to remit payment to a seller, and a payment agent collects a guarantee fee from a seller and / or a buyer who has made a transaction. The invention according to claim 2 is an electronic commerce security system for notifying a seller or a buyer of using the settlement agent of claim 1 as a condition for starting a commercial transaction on the Internet. The invention according to claim 3 is the electronic commerce security system according to claim 1 or 2, wherein registration numbers are assigned to sellers and buyers. The invention according to claim 4 is the e-commerce security system according to any one of claims 1 to 3, wherein when the seller bears a part or all of the guarantee fee, the guarantee fee is settled with the seller on a period basis. According to the invention of claim 5, when the seller bears part or all of the guarantee fee, the amount of the guarantee fee is changed according to the contract amount.
E-commerce security system. According to the invention of claim 6, the existence of the settlement agent is posted on the website of the website on the Internet, the banner advertisement of the website of the virtual shopping mall or the provider, the website of each virtual store in the shopping mall, the electronic bulletin board, and the like. An electronic commerce security system according to any one of claims 1 to 5, characterized in that: The invention according to claim 7 is the electronic commerce security system according to any one of claims 1 to 6, wherein the registration numbers of the seller and the buyer are set to 12 digits or less. The invention of claim 8 is the electronic commerce security system according to any one of claims 1 to 7, wherein the registration numbers of the seller and the buyer include a telephone number.

[0004]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS As shown in FIG. 1, the present invention is an electronic commerce security system in which a settlement agent 4 is interposed between a seller 2 and a buyer 3 who conduct business on the Internet 1. Provides a merchandise guarantee service and a money collection service to sellers and buyers registered in the list of the data file 5 of the payment agent 4, and when a business transaction between the seller and the buyer is established, the payment agent deposits the money from the buyer. When the seller sends the goods to the buyer, and the buyer returns the seller to the seller within a predetermined period, a service to refund the price to the buyer is provided, and after the predetermined period has elapsed, a service to remit the price to the seller is performed, and the settlement is performed. The agent is
It is an e-commerce security system that collects guarantee fees from sellers and / or buyers who have done business. In addition, the electronic commerce security system notifies a seller or a buyer of using a payment agent as a condition for starting a commercial transaction on the Internet. It is also an electronic commerce security system that assigns registration numbers to sellers and buyers. or,
This is an e-commerce security system in which the seller pays the guarantee fee in a unit of period when the seller bears part or all of the guarantee fee. Further, when the seller bears a part or all of the guarantee fee, the e-commerce security system changes the guarantee fee amount according to the contract amount.
In addition, the presence of a payment agent is indicated on the website of a website on the Internet, the banner advertisement of the website of a virtual shopping mall or a provider,
An e-commerce security system characterized in that the information is posted on a homepage of each virtual store in a shopping mall, an electronic bulletin board, or the like. In addition, this is an electronic transaction security system in which the registration numbers of sellers and buyers are set to 12 digits or less. In addition, any electronic commerce security system includes a telephone number in the registration numbers of the seller and the buyer.

[0005] <In the case where the buyer first registers as a member of the settlement agent and the buyer bears the guarantee fee in full> a1) The settlement agent sets the product guarantee and the price settlement system on the Internet, the homepage, and the provider's homepage burner. Post advertisements, virtual shopping mall burner advertisements, electronic bulletin boards, etc., or directly invite buyers to become members of payment agents. b1) The buyer becomes a member of the settlement agent and shares the guarantee fee (including the actual expenses such as remittance fees) (whether the buyer bears the guarantee fee, the pro-rata share between the seller and the buyer, or the seller bears the full amount. Or one or more) to register. Registration can be by e-mail, FAX, or mail, but usually the payment agent's website on the Internet,
This is done according to the registration procedure of the payment agent on the website, electronic bulletin board, etc. in the banner advertisement. After registration, the buyer is given a registration number. c1) The seller decides to purchase the goods on the Internet, and the buyer is a member of the payment agent, and on the condition that the buyer uses the system, the payment agent is also provided to the seller in order to facilitate commercial transactions. Asking to become a member, give the seller a registration number and place an order with the seller. d1) The buyer completes the commercial transaction with all guarantee fees. e1) The buyer transfers the payment and the guarantee fee to the settlement agency by bank transfer, and at the same time, the seller and the buyer make a settlement to the settlement agency by communication means such as e-mail, and the settlement, conditions, seller (registration number), buyer (registration). Number). f1) The settlement agent confirms the deposit and the like, and notifies the seller that the deposit and the like have been deposited by communication means such as e-mail. g1) The seller sends the product to the buyer and, at the same time, notifies the settlement agent through communication means such as e-mail. h1) If there is no return notification from the buyer within a predetermined period after shipping the product, the guarantee fee is deducted and the product price is remitted to the seller. i1) If the buyer receives a return notification within a predetermined period after the product is sent out to the settlement agent, notify the seller of the return notification by e-mail or the like, and instruct the buyer to return the product.
After confirming the return of the product, deduct the guarantee fee and refund the price.

<When the buyer registers first as a member of the settlement agency and the buyer and the seller share the guarantee fee equally> a2) The settlement agency sets the product guarantee and the price settlement system on the Internet, the homepage of the provider, and the homepage of the provider. Post it on a burner advertisement, a virtual shopping mall burner advertisement, an electronic bulletin board, etc., or directly invite a buyer to become a member of a payment agent. b2) The buyer must be a member of the settlement agent and share the guarantee fee (including actual expenses such as remittance fees) (whether the buyer will bear the guarantee fee, the pro-rata share between the seller and the buyer, or the seller will bear the full cost). Or one or more) to register. Registration can be by e-mail, FAX, or mail, but usually the payment agent's website on the Internet,
Follow the registration procedure of the payment agent on the homepage in the banner advertisement and the electronic bulletin board. After registration, the buyer is given a registration number. c2) If the seller decides to purchase the merchandise on the Internet and the buyer is a member of the payment agent, and the seller uses the system, the payment agent is also provided to the seller in order to facilitate commercial transactions. Asking to become a member, give the seller a registration number and place an order with the seller. d2) The buyer and seller establish a commercial transaction by apportioning the guarantee fee. e2) The buyer transfers the payment and the guarantor fee to the settlement agency by bank transfer, and the buyer gives the seller a settlement, condition, and seller (registration number) to the settlement agency by communication means such as e-mail.
-Informing the buyer (registration number), the seller remits the sharing guarantee fee to the bank to the settlement agency. f2) The settlement agent confirms the deposit and the like, and notifies the seller that the deposit and the like have been deposited by communication means such as e-mail. g2) The seller ships the product to the buyer and, at the same time, notifies the settlement agent through communication means such as e-mail. h2) If there is no return notification from the buyer within a predetermined period after shipping the product, the guarantee fee is deducted and the product price is remitted to the seller. i2) If the buyer receives a return notification within a predetermined period after the product is sent out to the settlement agent, notify the seller of the return notification by e-mail or the like, and instruct the buyer to return the product.
After confirming the return of the product, deduct the guarantee fee and refund the price.

<When the buyer first registers as a member of the settlement agent and the seller bears all the guarantee fees> a3) The settlement agent sets the product guarantee and the price settlement system on the Internet, the homepage of the provider, and the burner of the provider's homepage. Post advertisements, virtual shopping mall burner advertisements, electronic bulletin boards, etc., or directly invite buyers to become members of payment agents. b3) The buyer must be a member of the settlement agent and share the guarantee fee (including actual expenses such as remittance fees) (whether the buyer bears the guarantee fee, the pro-rata share between the seller and the buyer, or the seller bears the full amount. Or one or more) to register. Registration can be by e-mail, FAX, or mail, but usually the payment agent's website on the Internet,
Follow the registration procedure of the payment agent on the homepage in the banner advertisement and the electronic bulletin board. After registration, the buyer is given a registration number. c3) The buyer decides to purchase the seller's goods on the Internet, and the buyer is a member of the payment agent, and on condition that the buyer uses the system, the seller also has the payment agent in order to facilitate commercial transactions. Asking to become a member, give the seller a registration number and place an order with the seller. d3) The seller completes the business transaction with the full guarantee fee. e3) The buyer sends the payment to the settlement agency by bank transfer, and the seller and the buyer inform the settlement agency of the establishment / conditions of the sale, the seller (registration number) and the buyer (registration number) by communication means such as e-mail. Will remit the full amount of the guarantee fee to the settlement agency. f3) The settlement agent confirms the deposit and the like, and notifies the seller that the deposit and the like have been deposited by communication means such as e-mail. g3) The seller sends out the product to the buyer and, at the same time, notifies the settlement agent through a communication means such as e-mail. h3) If there is no return notification from the buyer within a certain period after the product is sent out, the guarantee fee is deducted and the product price is remitted to the seller. i3) If the buyer receives a return notification within a certain period of time after the product is sent out to the settlement agent, inform the seller of the return by e-mail or other communication means, and instruct the buyer to return the product,
After confirming the return of the product, deduct the guarantee fee and refund the price.

<When the seller first registers as a member of the payment agent and the buyer bears all the guarantee fee> a4) The payment agent provides the product guarantee and the payment system on the Internet, the homepage of the provider, and the homepage of the provider. Advertisement on a burner, a virtual shopping mall burner, an electronic bulletin board, etc., or directly invite the seller to become a member of the payment agent. b4) The seller must be a member of the settlement agent and share the guarantee fee (including actual expenses such as remittance fees) (whether the buyer will bear the guarantee fee, the pro-rata share between the seller and the buyer, or the seller will bear the full amount. Or one or more) to register. Registration can be by e-mail, FAX, or mail, but usually the payment agent's website on the Internet,
Follow the registration procedure of the payment agent on the homepage in the banner advertisement and the electronic bulletin board. After registration, the seller is given a registration number. c4) The seller allows the payment agent to perform the product guarantee and payment on the Internet, the homepage, the homepage banner of the provider, the banner advertisement of the virtual shopping mall, the electronic bulletin board, etc., and the sharing of the guarantee fee (the buyer pays the guarantee fee). (One or more of the full burden, the distribution of the seller and the buyer, and the full burden of the seller)
In order to facilitate the transaction, the buyer also becomes a member of the settlement agent, obliges or recommends receiving the registration number, and has the buyer place an order with the seller. d4) The buyer completes the commercial transaction with full guarantee fee. e4) The buyer transfers the payment and the guarantee fee to the settlement agency by bank transfer, and at the same time, the seller and the buyer make a settlement, condition, seller (registration number), buyer (registration) to the settlement agency by communication means such as e-mail. Number). f4) The settlement agent confirms the deposit and the like, and notifies the seller that the deposit and the like have been deposited by communication means such as e-mail. g4) The seller sends the product to the buyer and, at the same time, notifies the settlement agent through communication means such as e-mail. h4) If there is no return notification from the buyer within a certain period of time after shipping the product, the guarantee fee is deducted and the product price is remitted to the seller. i4) If the buyer receives a return notification within a certain period of time after the product is sent out to the settlement agent, inform the seller of the return notification by e-mail or other communication means, instruct the buyer to return the product,
After confirming the return of the product, deduct the guarantee fee and refund the price.

[0009] <When the seller first registers as a member of the payment agent, and the seller and the buyer share the guarantee fee> a5) The payment agent provides the product guarantee and the payment system on the Internet, the homepage, and the provider's homepage. Advertisement on a burner, a virtual shopping mall burner, an electronic bulletin board, etc., or directly invite the seller to become a member of the payment agent. b5) The seller must be a member of the settlement agent and share the guarantee fee (including actual expenses such as remittance fees) (whether the buyer will bear the guarantee fee, the pro-rata share between the seller and the buyer, or the seller will bear the full amount. Or one or more) to register. Registration can be by e-mail, FAX, or mail, but usually the payment agent's website on the Internet,
Follow the registration procedure of the payment agent on the homepage in the banner advertisement and the electronic bulletin board. After registration, the seller is given a registration number. c5) The seller allows the payment agent to perform the product guarantee and payment on the Internet, the homepage, the banner advertisement of the provider's homepage, the banner advertisement of the virtual shopping mall, the electronic bulletin board, etc., and the sharing of the guarantee fee (the buyer pays the guarantee fee). (One or more of the full burden, the distribution of the seller and the buyer, and the full burden of the seller)
In order to facilitate the transaction, the buyer also becomes a member of the settlement agent, obliges or recommends receiving the registration number, and has the buyer place an order with the seller. d5) The buyer and seller establish a commercial transaction with an equal share of the guarantee fee. e5) The buyer transfers the payment and the guarantee guarantee fee to the settlement agency by bank transfer, and the seller and the buyer communicate to the settlement agency by communication means such as e-mail to the settlement agency, the conditions of the purchase, the condition, the seller (registration number), the buyer (registration number). ) And the seller remits the guarantor commission to the payment agent. f5) The settlement agent confirms the deposit and the like, and notifies the seller that the deposit and the like have been deposited by communication means such as e-mail. g5) The seller ships the product to the buyer and, at the same time, notifies the settlement agent through communication means such as e-mail. h5) If there is no return notification from the buyer within a predetermined period after shipping the product, the guarantee fee is deducted and the product price is remitted to the seller. i5) If the buyer receives a return notification from the buyer within a predetermined period of time after the product is sent out, inform the seller of the return notification by mail or other communication means, and instruct the buyer to return the product,
After confirming the return of the product, deduct the guarantee fee and refund the price.

<When the seller first registers as a member of the settlement agency and the seller bears all the guarantee fee> a6) The settlement agency sets the product guarantee and the price settlement system on the Internet, the homepage of the provider, and the burner of the provider's homepage. Advertisement, virtual shopping mall burner advertisements, electronic bulletin boards, etc., or directly invite sellers to become members of payment agents. b6) The seller must be a member of the settlement agency and share the guarantee fee (including the actual expenses such as remittance fees) (whether the buyer bears the guarantee fee, the pro-rata share between the seller and the buyer, or the seller bears the full amount. Or one or more) to register. Registration can be by e-mail, FAX, or mail, but usually the payment agent's website on the Internet,
Follow the registration procedure of the payment agent on the homepage in the banner advertisement and the electronic bulletin board. After registration, the seller is given a registration number. c6) The seller allows the payment agent to perform the product guarantee and payment on the Internet, the homepage, the banner advertisement of the provider's homepage, the banner advertisement of the virtual shopping mall, the electronic bulletin board, etc., and the sharing of the guarantee fee (the buyer pays the guarantee fee). (One or more of the full burden, the distribution of the seller and the buyer, and the full burden of the seller)
In order to facilitate the transaction, the buyer also becomes a member of the settlement agent, obliges or recommends receiving the registration number, and has the buyer place an order with the seller. d6) The buyer completes the business transaction with the full guarantee fee. e6) The buyer transfers the payment to the settlement agent by bank transfer, and the seller and the buyer inform the settlement agent of the establishment, conditions, seller (registration number), buyer (registration number) to the settlement agent by communication means such as e-mail, The seller transfers the full guarantee fee to the bank to the payment agent. f6) The settlement agent confirms the deposit and the like, and notifies the seller that the deposit and the like have been deposited by communication means such as e-mail. g6) The seller ships the product to the buyer and, at the same time, notifies the settlement agent through communication means such as e-mail. h6) If there is no return notification from the buyer within a predetermined period after the product is sent out, deduct the security deposit and remit the product price to the seller. i6) If the buyer receives a return notification within a predetermined period after the product is sent out to the settlement agent, inform the seller of the return notification by e-mail or the like, and instruct the buyer to return the product,
After confirming the return of the product, deduct the guarantee fee and refund the price. The registration number is 1 for the bank account and the bank account
Since there are many examples of two digits, 12 digits or less are preferable. Of course, the bank transfer notification such as facsimile will include the full name of the transfer source, so the name of the seller / buyer will be added after the registration number.
What is necessary is just to describe a name. In addition, it is preferable that the registration number be given a sign that serves as a mark for a seller, a buyer, and a seller / buyer. Further, it is preferable to encode the person in charge of the seller / buyer. Further, it is preferable to enter the telephone number in the registration number so that the agent can immediately make a telephone call. It is preferable to take the first zero of the telephone number to reduce the number of digits. As a result, A66553581AA
Then, it is understood that the seller A has the telephone number (0) 66535811 and the charge is Mr. AA. When the seller and the buyer have registration numbers, the registration numbers are described when contacting both parties and the settlement agent using communication means such as e-mail. Similarly, when sellers and buyers have registration numbers, when transferring cash to a settlement agency, be sure to write the registration number before the name. If the seller bears some or all of the guarantee fee, if the seller is a company instead of an individual, it may use a settlement agency continuously, so the remittance of the guarantee fee is settled by the term, The seller's guarantee fee may be reduced between the seller and the payment agent, or the guarantee fee may be changed depending on the sales.

[Brief description of the drawings]

FIG. 1 is a schematic explanatory diagram of an electronic commerce security system of the present invention.

[Explanation of symbols]

1. Internet 2. Seller 3. Buyer 4. Payment agent

Claims (8)

[Claims] 1. An electronic commerce in which a settlement agent is interposed between a seller and a buyer who conduct business on the Internet. The settlement agent provides a merchandise guarantee service and payment to sellers and buyers registered in the list of settlement agents. Providing a collection service, when a commercial transaction between the seller and the buyer is completed, a settlement agent deposits the money from the buyer, makes the seller send the goods to the buyer, and when the buyer returns the seller to the seller within a predetermined period, the payment E-commerce security that provides a service to refund the buyer to the buyer, and after the elapse of the predetermined period, provides a service to remit the payment to the seller, and the settlement agent collects a guarantee fee from the seller and / or the buyer who performed the transaction. system. 2. An electronic commerce security system in which a seller or a buyer notifies the other party of the use of the settlement agent of claim 1 as a condition for starting a commercial transaction on the Internet. 3. The electronic commerce security system according to claim 1, wherein a registration number is given to the seller and the buyer. 4. The electronic commerce security system according to claim 1, wherein when the seller bears part or all of the guarantee fee, the guarantee fee is settled in units of a period with the seller. 5. The electronic commerce security system according to claim 1, wherein when the seller bears part or all of the guarantee fee, the guarantee fee is changed according to the contract amount. Claim 6: Posting the existence of a settlement agent on the homepage of a website on the Internet, the banner advertisement on the homepage of a virtual shopping mall or a provider, the homepage of each virtual store in a shopping mall, an electronic bulletin board, etc. The e-commerce security system according to any one of claims 1 to 5, wherein: 7. The electronic commerce security system according to claim 1, wherein the registration numbers of the seller and the buyer are 12 digits or less. 8. The electronic commerce security system according to claim 1, wherein the registration numbers of the seller and the buyer include a telephone number.