JP2002007942A - Value transaction method between individuals and device therefor - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a value transaction method between individuals and device therefore capable of determining, in the transaction of a value such as service, commodity or the like between individuals, a proper price therefor after the end of the service. SOLUTION: In this method, the lowest price and the fluctuation width are determined in the transaction between individuals without readily determining the price, and when the price is determined after the end of the transaction, the price is fluctuated within the fluctuation width and determined.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction between individuals performed on a network.

[0002]

2. Description of the Related Art At present, transactions between individuals are performed on auction sites on the Internet. When conducting a transaction between individuals, information on a product to be transacted is disclosed in advance, and an auction is performed based on the information to determine a price. After the price is determined, the merchandise is distributed between the parties.

[0003] In the above-mentioned conventional method, goods are exchanged after the price is determined. Therefore, it is unknown to the purchaser whether or not the determined price is appropriate until the goods are actually received. It is. When buying and selling used goods, a photo of the product may be posted as an aid to determine a reasonable price, but if the business is not a thing but an individual service, There is a problem that it is very difficult to determine an appropriate price before a transaction occurs.

On the other hand, all values (services or products)
If the value is determined after the value transaction, the price will be determined after the service is completed, so if the payment by the value buyer after the service is performed is less than the amount requested by the value provider, trouble will occur between the two. There is a problem of doing.

FIG. 14 is a flowchart showing the operation of a conventional electronic value transaction method.

[0006] A person who wishes to sell services and commodities needs information (payment method, price, supplementary information, etc.) necessary for selling services and commodities in the registration process (P1-1).
Is registered in the auction server, and the auction process (P
In 1-2), buyers are solicited and prices are determined.
A person who wishes to purchase a service or a product obtains information on the desired product and contacts the sales applicant. Thereafter, in the settlement process (P1-3), settlement is performed under the responsibility of the individual, and in the delivery process (P1-4), services and goods are exchanged under the responsibility of the individual, and the transaction ends.

As described above, when a value (service or product) is exchanged for money electronically on a computer network, an auction server is generally used,
Disclose seller information and buyer information (P1-1, P1-
2) After determining the winning bidder using an appropriate pricing algorithm, settlement and delivery between the parties (P1-3, P1-
4) and so on.

[0008]

However, in the above-mentioned conventional example, since the distribution of the value is performed after the price is determined, an appropriate price is determined after the service is completed, for example, when a service transaction is performed between individuals. There is a problem that there is little.

[0009] Further, if all the values are determined after the value transaction, the price is determined after the service is completed. Therefore, if the amount paid by the value purchaser after the service is performed is less than the amount requested by the value provider, both of the values are determined. There is a problem that trouble occurs between them.

[0010] Further, when settlement is performed at the time of service reservation (for example, when purchasing a concert advance ticket at a ticket shop), if the service provider abandons the obligation to provide the service, the service provider pays for the abandoned service. There is a problem that those who are supposed to be service recipients are disadvantaged.

[0011] Further, in the case where payment is made at the time of providing a service (when all payments are made on site at an accommodation facility), if the person who made a reservation abandoned the benefit of the service, it should become a service provider. There is a problem that the disadvantaged. Also, in this case, if it is required to pay the reservation fee, there is a new problem that it is necessary to change the system so that the service provider can not receive the reservation fee until after the service is provided. I do.

It is an object of the present invention to provide an inter-individual value transaction method and an apparatus thereof that can determine an appropriate price after the service is completed when the value of a service, a product or the like is transacted between individuals. It is assumed that.

Another object of the present invention is to provide an inter-individual value transaction method and apparatus which can cope with abandonment of obligations by a value provider such as a service provider or a merchandise seller. is there.

A further object of the present invention is to provide an inter-person value transaction method and an apparatus thereof that can cope with a waiver of value by a value beneficiary such as a service beneficiary or a product purchaser. is there.

[0015]

According to the present invention, when conducting a transaction between individuals, a minimum price and a fluctuation range are determined without uniquely determining a price. The price fluctuates within the range and is determined.

In the present invention, unique information, such as a unique ID and a bar code, which can be known only by the value beneficiary is given as an indication of the right to receive the value, and the value is traded between individuals.

[0017]

DESCRIPTION OF THE PREFERRED EMBODIMENTS As an embodiment of the present invention, consider a case where a predetermined user A sells a predetermined service using a network and a user B purchases the service. Here, the points (price, points) paid for the service provided by the user A are:
Rather than uniquely determining, the lowest point and its fluctuation range are determined, and after the transaction is completed, according to the satisfaction of the user B,
The user B determines the point fluctuation amount (additional point) within the above-mentioned point fluctuation range.

FIG. 1 is a diagram showing an inter-individual value transaction apparatus T1 according to one embodiment of the present invention.

The inter-individual value transaction device T 1
, Sales client terminal 201, purchase client terminal 301, settlement account 401, and electronic value account 50
1.

The server 101 is a workstation or the like, and has a processing program 102 therein.

The sales client terminal 201 is connected to a network such as a personal computer, a PDA, and a kiosk terminal, and has a WWW browser 202 therein.
Similarly, the purchase client terminal 301 is connected via a network and has a WWW browser 302 inside. Here, in order to clarify the processing flow, the sales client 201 and the purchase client 301 are described separately, but they are not necessarily separate terminals, and the same terminal performs the functions of the sales client and the purchase client. You may have it.

The settlement account 401 holds value information, and the electronic value account 501 holds value information expressed electronically.

The "value" is an object to be provided or sold from now on, and specifically, a predetermined service and a predetermined product. The “value information” is information on the value, such as a predetermined service, a price and a quantity of a predetermined product, a date and time of the service, and the like.

Next, the operation of the above embodiment will be described.

(First Embodiment) FIG. 2 is a diagram showing a processing example of the first embodiment of the present invention.

The first embodiment is an embodiment in which an individual value transaction (service provision) using a unique ID is performed. That is, the first embodiment is a case where the user A offers to provide a service, and the user B benefits from the service that the user A intends to provide. A unique ID relating to the service is issued and the unique ID is issued. This is an embodiment in which the service is traded via a ticket on which an ID is printed.

Various examples of the above-mentioned services are considered. For example, services such as a service for taking a dog for a walk, a service for cleaning a river, a service for transporting goods, a service for repairing, and a service for answering machine are referred to in the world. Everything is included.

The server 101 has a registration receiving unit 103
, Provision DB 104, DB display unit 105, purchase reception unit 106, settlement unit 107, temporary deposit account 108
And end receiving units 110 and 111.

The purchase client 301 has a WWW browser 302 and a printing unit 303. Settlement account 401
Has a sales settlement account 402 and a purchase settlement account 403. The electronic value account 501 has a purchase side electronic value account 502.

The user A holds points in the sales-side settlement account 402 of the settlement account 401, and the user B holds points in the purchase-side settlement account 403 of the settlement account 401.

The above “points” are related to the aspect of the amount of money,
It has the aspect of a point indicating the right to receive a predetermined service. It is assumed that both users A and B hold 500 points as initial points.

Here, it is assumed that the user A intends to offer a predetermined service (for example, a service of walking a dog). In this case, the user A starts the sales client 201, and the W
Via the WW browser 202, a registration request is issued to the registration accepting unit 103 in the processing program 102 of the server 101 to register the service to be offered. The registration receiving unit 103 normally receives the registration request, and thereafter registers the value information (information on the service) in the provision DB 104.

By the way, when various information relating to the service is registered and the service is traded between individuals, for example,
Before a service is provided, a reasonable price cannot be determined, and a reasonable price is often determined after the provision of the service. On the other hand, if all prices are determined after the service ends, trouble occurs when the price offered by the service beneficiary falls below the desired price of the service provider. Determine the minimum points (corresponding to the lowest price) to be paid to benefit and the range of fluctuation.

Specifically, the minimum point is set to 100 points, and the fluctuation range is set to 100 points (the fluctuation range is set to 0 points).
~ + 100 points). By this point determination (corresponding to the price determination), the user A has 100-
Points (price) are determined with a range of 200 points, and final points are determined based on agreement between the two parties after the service is provided. Specifically, the lowest point ~
The user B determines the final point within the range of the minimum point + the fluctuation range.

The user B who wants to receive the service receives WW
The server-side DB display unit 105 is started from the W browser 302, and the value (service, product) in the provision DB 104 is browsed. If the service for which benefit is desired exists in the provision DB 104, the WWW browser 302 activates the server-side purchase reception unit 106 and transmits desired value information.

The purchase receiving unit 106 activates the settlement unit 107, and transfers the minimum points (100 points in the above example) determined by the user A at the time of determining the points (pricing) from the settlement account 403 of the user B to the server. Move to primary custody account 108. This point has a meaning as a deposit. After the settlement, the purchase receiving unit 106 activates the electronic value registration unit 109, creates value information based on the information in the provision DB 104, and stores the value information in the electronic value account 502 of the user B.

At the same time, a unique ID is issued for the provided service (in the above example, a dog walk).

Then, after the provided service is stored in the electronic value account 502 of the user B, the electronic value registration unit 502 sets the purchase client side printing unit 303
Is activated, the unique ID (or barcode information) is printed, and a ticket is created. That is, the one in which the unique ID is described is called a “ticket” related to the service.

User B, which has received the ticket on which the unique ID is printed, requests user A to perform a service (walking a dog). The user A provides a service to the user B, and receives a ticket on which a unique ID (or a barcode) is printed from the user B after the service is completed. At this time, the user B determines the contents of the service that has been received, and determines the range of fluctuation (100 in this example).
The user B determines the fluctuation value within the point (1). In this example, it is assumed that the user B has determined the change value to be 50 points. That is, the final point (final price) is 15
You get 0 points.

After providing the service, the user A activates the WWW browser 202, activates the termination receiving unit 110, and transmits the unique ID of the service that has benefited.

After confirming the unique ID, end accepting section 110 activates settlement section 107. The settlement unit 107 deletes the value information related to the service benefited by the user B, which is the value information stored in the purchase-side electronic value account 502, and then deletes the value information stored in the temporary deposit account 108. Points (100 points in this example)
Is paid to the settlement account 402 of the user A. Thereafter, the fluctuation value (in this example, 50 points) is passed from the user B to the server-side termination receiving unit 111. The end receiving unit 111 performs settlement for the fluctuation value between the sales-side settlement account 402 and the purchase-side settlement account 403 for the fluctuation value,
A series of transactions is completed.

(Second Embodiment) FIG. 3 is a diagram showing a processing example of a second embodiment of the present invention.

In the second embodiment, an individual value transaction (service provision) using electronic value information is performed. That is, the second embodiment is a case where the user A offers to provide a service, and the service provided by the user A is benefited by the user B. The electronic value information relating to the service is generated. This is an embodiment in which the above service is traded via target value information.

The "electronic value information" is value information that is not falsified or copied by using an encryption technique or the like.

In the second embodiment, the sales client 201 has a WWW browser 202, an electronic value receiving unit 203, and an electronic value transmitting unit 204, and the purchasing client 301 has a WWW browser 302, an electronic value It has a target value receiving unit 304 and an electronic value transmitting unit 305.

User A holds points in settlement account 402, user B holds points in settlement account 403, and as an initial value of points, user A has 500 points and user B has 500 points. Shall be worth the points.

First, it is assumed that the user A intends to offer services such as walking a dog. in this case,
The user A activates the sales client 201 and, via the WWW browser 202 included therein, activates the registration receiving unit 10 in the processing program 102 of the server 101.
A registration request, which is a request for registering the service to be offered, is issued to 3.

The registration receiving unit 103 normally receives the registration request, and thereafter registers the value information (information related to the service) in the provision DB 104.

Also in the second embodiment, the minimum point (minimum price) to be paid to receive the service provided by the user A and the fluctuation range thereof are determined. Here, the minimum point is set to 100 points, and the fluctuation range is set to 100 points. Thus, by determining the points,
After providing the service, the user A determines the final price in the range of 100 to 200 points based on the agreement between the two.

User B who wants to receive the service receives WW
The server-side DB display unit 105 is started from the W browser 302, and the value (service, product) in the provision DB 104 is browsed. If the service for which benefit is desired exists in the provision DB 104, the WWW browser 302 activates the server-side purchase reception unit 106 and transmits desired value information.

The purchase receiving unit 106 activates the settlement unit 107, and transfers the minimum points (100 points in the above example) determined by the user A at the time of determining the points (pricing) from the settlement account 403 of the user B to the server. Move to primary custody account 108. This point has a meaning as a deposit. After the settlement, the purchase receiving unit 106 activates the electronic value registration unit 109, creates value information based on the information in the provision DB 104, and stores the value information in the electronic value account 502 of the user B.

Here, the user B that has received the electronic value information requests the user A to execute the service (walking the dog). The user A performs a service to the user B, and after the service is completed, the user B activates the sales client-side electronic value reception unit 203 and transmits the electronic value information from the purchase client-side electronic value transmission unit 305. receive. At this time, the fluctuation range (100 in this example)
The user B determines the fluctuation value within the point (1). In this example, it is assumed that the user B has determined the change value to be 50 points. That is, the final point (final price) is 15
You get 0 points.

After the service is provided, the user A sends the sales value to the end receiving unit 110 from the electronic value transmitting unit 204 on the sales client side.
And transmits the electronic value information. The termination receiving unit 110 activates the settlement unit 107, and the settlement unit 107
After confirming the received electronic value information, the minimum points (100 points in this example) stored in the temporary deposit account 108 are transferred to the settlement account 402 of the user A.
Pay for.

Thereafter, the fluctuation value (50 points in this example) is passed from the user B to the server-side termination receiving unit 111. The end receiving unit 111 determines the
The settlement for the fluctuation value is performed between the sales settlement account 402 and the purchase settlement account 403, and a series of transactions is completed.

(Third Embodiment) FIG. 4 is a diagram showing a processing example of a third embodiment of the present invention.

The third embodiment is an embodiment in which an individual value transaction (service request) using a unique ID is performed. That is, the third embodiment is a case where the user B requests a service and the user A undertakes the service requested by the user B. A unique ID relating to the service is issued, and the unique ID is printed. This is an embodiment in which the service is traded through a ticket.

User A holds points in payment account 402, user B holds points in payment account 403, and as an initial value of points, user A has 500 points and user B has 500 points. Shall be worth the points.

First, the user B enters the purchase client 30
1 and issues a registration request to the registration accepting unit 103 in the processing program 102 of the server 101 via the WWW browser 302 included therein. After successfully receiving this registration request, the registration receiving unit 103
In 4, value information (information on the above service) is registered.

Also in the third embodiment, the minimum point (minimum price) to be paid to receive the service provided by the user A and the fluctuation range are determined. Here, the minimum point is set to 100 points, and the fluctuation range is set to 100 points. As described above, by determining the price, the user A determines the final price in a range of 100 to 200 points based on the agreement between the two after the service is provided.

The purchase receiving unit 106 activates the settlement unit 107, and transfers the lowest point (100 points in the above example) determined by the user B at the time of determining the point (determining the price) from the settlement account 403 of the user B to the server. Move to primary custody account 108. This point has a meaning as a deposit.

User A who intends to accept a service request activates server-side DB display unit 105 via WWW browser 202 and browses the value (service, product) in request DB 113. Services that you can undertake,
If it exists in the request 113DB, the WWW browser 202
Then, the server-side purchase reception unit 106 is activated, and the information of the desired service is transmitted. The purchase receiving unit 106 activates the electronic value registration unit 109, creates value information based on the information in the request DB 113, and stores the value information in the electronic value account 502 of the user B.

At the same time, a unique ID is issued for the provided service (in the above example, a dog walk).

As described above, after the value information is stored in the electronic value account 502 of the user B, the electronic value registration unit 109 sets the status notification unit 1 provided in the server 101.
12 and notifies the user B that the service provider A has appeared. The user B having received the notification activates the client-side printing unit 303, prints the unique ID (or barcode information) for the provided service, and
Create a ticket.

User B, having received the paper (ticket) on which the unique ID is printed, requests user A to perform the service (walk the dog) based on the information. User A
The service is provided to the user B (walking the dog), and after the service is completed, a unique ID (or a barcode) is received from the user B. At this time, the fluctuation value is determined within the fluctuation range (100 points in this example). In this example, the change value is set to 50 points. That is, the final point (final price) is 150 points.

After providing the service, the user A activates the WWW browser 202, activates the end receiving unit 110, and transmits the unique ID (or barcode information) to the server 101. The end receiving unit 111 checks the unique ID,
The settlement unit 107 is started. The settlement unit 107 deletes the value information stored in the purchase-side electronic value account 502,
Thereafter, the lowest point (100 points in this example) stored in the temporary deposit account 108 is changed to the user A
To the settlement account 402 of. Then, from user B,
The change value of 50 points is passed to the server-side termination receiving unit 111. The end accepting unit 111 sets the variable value between the purchase-side settlement account 403 and the sale-side settlement account 402,
Settlement is made for the fluctuation value (in this example, 50 points), and a series of transactions is completed.

According to the third embodiment, a unique ID (unique information that only the value beneficiary can know) is assigned.
Electronic value information can be traded without using a C card, and proof of possession of electronic value can be easily and reliably performed.

(Fourth Embodiment) FIG. 5 is a diagram showing a processing example of a fourth embodiment of the present invention.

The fourth embodiment is an embodiment in which an individual value transaction (service request) using electronic value information is performed. That is, the fourth embodiment is a case where the user B requests a service and the user A undertakes the service requested by the user B, and electronic value information on the service is generated. This is an embodiment in which the service is traded via information.

User A holds points in settlement account 402, user B holds points in settlement account 403, and user A has 500 points as an initial point value, and user B has 500 points. Shall be worth the points.

First, the user B enters the purchase client 30
1 and the WWW browser 30 contained therein
2 sends a registration request to the registration receiving unit 103 of the processing program 102 of the server 101. After successfully receiving the registration request, the registration receiving unit 103 registers information of value (service, product) in the request DB 113.

Also in the fourth embodiment, the minimum point (minimum price) to be paid by the user B and paid by the user A in order to benefit from the service to be performed by the user A and the fluctuation range are determined. Here, the minimum point is 100 points,
The fluctuation width is set to 100 points. By determining the price in this way, the user A determines the final price in a range of 100 to 200 points based on the agreement between the two after the service is provided.

Thereafter, the registration receiving unit 103 sets the settlement unit 1
07 and activates the user B when determining points (pricing).
Is transferred from the payment account 403 of the user B to the primary deposit account 108 in the server. The above 50 points have a meaning as a deposit.

User A who accepts the service request has W
The server-side DB display unit 105 is activated from the WW browser 202 and browses the value (service, product) in the request DB 113. Even when a service that can be accepted exists in the request DB, the server-side purchase accepting unit 106 is activated from the WWW browser 202 and information about the desired value is transmitted.

The purchase receiving unit 106 is the electronic value registration unit 1
09, creates value information based on the information in the request DB 113, and sends it to the user B's electronic value reception unit 304.
Submit value information. The user B that has received the electronic value information requests the user A to perform the service. The user A performs a service to the user B, and after the service ends, the user B activates the sales client-side electronic value reception unit 203 and receives the electronic value information from the purchase client-side electronic value transmission unit 305. . At this time, the user B determines the fluctuation value within the fluctuation width (100 points in this example). In this example, the change value is set to 50 points. That is, the final point (final price) is 150 points.

After the service is provided, the user A sends the end receiving unit 11 from the electronic value transmitting unit 204 on the sales client side.
0 and sends electronic value information. End reception unit 1
10 activates the settlement unit 107. After confirming the received electronic value information, the settlement unit 107 pays the lowest points (100 points in this example) stored in the temporary deposit account 108 to the settlement account 402 of the user A. Thereafter, the change value of 50 points is transferred from the user B to the server-side termination receiving unit 111. End reception unit 1
11 is a purchase-side settlement account 403 and a sales-side settlement account 402
The settlement for the above-mentioned fluctuation value is performed between, and a series of transactions is completed.

In each of the above embodiments, “implementation of value” refers to implementation of a service or delivery of a product.

(Fifth Embodiment) The fifth embodiment is an embodiment in which the user B is rescued when the user A does not fulfill the contract.

That is, in the fifth embodiment, when the user B passes the unique ID (or barcode) and the electronic value information to the user A as in the above embodiments, and tries to receive the service, If the user A does not fulfill the contract for some reason, the user B transmits the service default information and the unique ID to the server-side termination receiving unit 110.

In this case, in the fifth embodiment, the price stored in the primary depositary account 108 (100 points in these examples) after a certain period of time has passed since the termination receiving unit 110 received the service default information. To the purchase-side settlement account 403.

(Sixth Embodiment) The sixth embodiment is an embodiment in which the user A is rescued when the user B does not fulfill the contract.

In the sixth embodiment, as in each of the above embodiments, when user B passes a unique ID (or barcode) and electronic value information to user A to receive a service, If for some reason user B does not fulfill the contract, user A will
To send service non-performance information.

In this case, in the sixth embodiment, after a certain period of time has passed since the end receiving unit 110 received the information,
The price (100 points in these examples) stored in the primary deposit account 108 is transferred to the selling-side settlement account 402.

(Seventh Embodiment) The seventh embodiment is similar to the fifth embodiment.
In the sixth embodiment, the case where the user A does not fulfill the contract and the case where the user B does not fulfill the contract are the embodiments.

In the fifth embodiment and the sixth embodiment, when the service failure information and the service failure information are notified to the end receiving unit 110 within a predetermined period, the seventh service is executed. In the embodiment, the termination receiving unit 110 notifies the server manager of the termination and requests arbitration.

(Eighth Embodiment) FIG. 6 is a diagram showing a processing example of an eighth embodiment of the present invention.

In the eighth embodiment, it is assumed that the user A provides a product and the user B purchases the product provided by the user A, and the points (price) do not have a fluctuation range and are uniquely determined. Shall be determined.

The user A sets desired points and other information on the merchandise, and after receiving the information, the server sets the desired points and other information on the merchandise D.
Register with B and recruit buyers.

The purchaser B selects a desired product for purchase based on the information provided by the server, and makes a purchase request. After depositing the reservation points from the account of the user B, the server sets the reservation information as electronic value information to the user B
To an electronic value account. After that, the user B is notified of unique information (ID, barcode, etc.) for specifying the electronic value. After receiving the unique information, the user B makes a product delivery request to the user A. The user A receives the unique information from the user B after delivering the product in response to the request of the user B.

User A notifies the server of the received unique information. After receiving the unique information, the server performs a ticket check on the electronic value based on the unique information, and pays the user A the reserved points kept by the user B.

The above-mentioned "electronic value ticket gate" is an operation for confirming the identity of the issuer (user A) of the unique information for specifying the electronic value.

(Ninth Embodiment) FIG. 7 is a diagram showing a processing example of a ninth embodiment of the present invention.

In the ninth embodiment of the present invention, the user A
It is assumed that the product is provided, the user B purchases the product provided by the user A, and the points have no fluctuation range and are uniquely determined.

In the ninth embodiment, a user A sets desired points and other information on a product for sale, and after receiving the information, the server A registers the product in a product DB and recruits buyers. The purchaser B responding to the recruitment determines a desired product for purchase based on the information provided by the server and makes a purchase request.

After depositing the reservation points from the account of user B, the server creates electronic value information and transmits it to user B. Upon receiving this electronic value information, user B sends a product delivery request to user A. Do. The user A receives the electronic value information from the user B after delivering the product to the user B in response to the request of the user B. User A is User B
The server transmits the electronic value information received from the server to the server, and the server conducts a ticket check on the electronic value information, and pays the user A the reservation points held by the user B.

(Tenth Embodiment) FIG. 8 shows a first embodiment of the present invention.
FIG. 11 is a diagram illustrating a processing example of the example of Example 0.

In the tenth embodiment, the user B desires to purchase a product, and the user A
Sells a product, and the points have no fluctuation range and are determined uniquely. In this case, user B
Sets the desired points and other information for the product desired to be purchased, and after receiving the set information, the server registers in the product DB, solicits a seller, and at the same time, from the user B's account, Keep your reservation points.

[0097] The seller A decides to sell the product based on the information provided by the server, and makes a sales request. The server saves the electronic value information in the electronic value account of the user B after giving the user B a notice of selling availability. Thereafter, the unique information (ID, barcode, etc.) for specifying the electronic value is notified to the user B, and after receiving the unique information, the user B requests the user A to deliver the product. The user A receives the unique information from the user B after delivering the product in response to the request of the user B.

[0098] User A notifies the server of the received unique information. After receiving the unique information, the server conducts a ticket check on the electronic value based on the unique information.
Is paid to the user A.

(Eleventh Embodiment) FIG. 9 shows a first embodiment of the present invention.
FIG. 7 is a diagram illustrating a processing example of the first embodiment.

In the eleventh embodiment, it is assumed that the user B desires to provide a product, the user A sells the product in response to the request of the user B, and the points have no fluctuation range and are uniquely determined. Shall be. User B sets desired points and other information for the desired product to be purchased.
After receiving the set information, it registers in the product DB and recruits sellers. At the same time, the reservation points are saved from the account of the user B. The seller A determines the sale of the product based on the information provided by the server, and makes a sales request.

The server sends the electronic value information to the user B after notifying the user B of the availability. User B
Receives the electronic value information, delivers the product to the user A, and receives the electronic value information from the user B. User A notifies the server of the received electronic value information. The server conducts a ticket examination of the electronic value information and pays the user A the reservation points received from the user B.

(Twelfth Embodiment) FIG. 10 is a diagram showing a processing example of a twelfth embodiment of the present invention.

In the twelfth embodiment, it is assumed that user A provides a product and user B purchases the product provided by user A, and the points have a variable range. The final point shall be determined based on

The user A sets the minimum point, the point fluctuation range, and other information on the sales product, and after receiving the information, the server registers in the product DB and recruits buyers. The purchaser B determines a desired product for purchase on the basis of the information provided by the server, makes a purchase request, and stores the minimum amount of points as a reservation point from the account of the user B, and thereafter, transmits the reservation information electronically. The value information is stored in the electronic value account of the user B.

Thereafter, the unique information (ID, barcode, etc.) for specifying the electronic value is notified to the user B, and after receiving the unique information, the user B requests the user A to deliver the product. After delivering the product in response to the request of the user B, A determines the amount of variation within the variation range, and receives the unique information from the user B. The user A notifies the server of the received unique information, and after receiving the unique information, the server performs a ticket check on the electronic value based on the unique information, and pays the user A the reserved points deposited from the user B. . After that, the user B notifies the server of the final point, and the server performs settlement of the variable amount based on the information from the user B.

(Thirteenth Embodiment) FIG. 11 is a diagram showing a processing example of a thirteenth embodiment of the present invention.

In the thirteenth embodiment, it is assumed that the user A provides a product and the user B purchases the product provided by the user A, and the points have a variable range. The final point shall be determined based on

[0108] User A sets the minimum point, point fluctuation range, and other information on the sales product, and after receiving the information, the server registers in the product DB, recruits buyers, and purchaser B Then, based on the information provided by the server, the user decides the product desired to be purchased and makes a purchase request. The server sends the electronic value information to the user B after saving the minimum points from the account of the user B as the reserved points. After receiving the electronic value information, the user B requests the user A to deliver the product. The user A determines the amount of change within the fluctuation range after receiving the product in response to the request of the user B, and receives the electronic value information from the user B. The user A notifies the server of the received electronic value information, and the server checks the electronic value information and pays the user A the reservation points stored by the user B. After that, the user B notifies the server of the final point, and the server performs settlement of the variable amount based on the information from the user B.

(Fourteenth Embodiment) FIG. 12 is a diagram showing a processing example of the fourteenth embodiment of the present invention.

In the fourteenth embodiment, it is assumed that the user B desires to provide a product, the user A sells the product in response to the request of the user B, and the points have a fluctuation range.
After the transaction, the final points shall be determined based on the agreement between the two parties.

Then, the user B sets a minimum point, a point fluctuation range, and other information for the desired product,
After receiving the information, the server registers in the product DB and recruits sellers. At the same time, the lowest points from user B's account are reserved as reserved points. The seller A determines the sale of the product based on the information provided by the server, and makes a sales request. The server saves the electronic value information in the electronic value account of the user B after giving the user B a notice of selling availability.

Thereafter, the unique information (ID, barcode, etc.) for specifying the electronic value is notified to the user B, and after receiving the unique information, the user B requests the user A to deliver the product. The user A determines the amount of change within the fluctuation range after receiving the product in response to the request of the user B, and receives the unique information from the user B. User A
The server notifies the server of the received unique information, and after receiving the unique information, the server performs a ticket check on the electronic value based on the unique information, and pays the user A the reservation points saved from the user B. After that, the user B notifies the server of the final point, and the server performs settlement of the variable amount based on the information from the user B.

(Fifteenth Embodiment) FIG. 13 is a diagram showing a processing example of a fifteenth embodiment of the present invention.

In the fifteenth embodiment, it is assumed that the user B desires to provide a product, and the user A sells the product in response to the request of the user B. In the fifteenth embodiment, the points vary. It has a certain margin, and the final points shall be determined based on the agreement of both parties after the transaction is completed. The user B sets a minimum point, a point variation width, and other information for the desired product. After receiving the information, the server registers in the product DB and recruits sellers.

At the same time, the lowest points from user B's account are reserved as reserved points. Seller A decides to sell the product based on the information provided by the server,
Make a sales request. The server sends the electronic value information to the user B after notifying the user B of the sale possibility, and the user B requests the user A to deliver the product after receiving the electronic value information. The user A determines the amount of change within the fluctuation range after receiving the product in response to the request of the user B, and receives the unique information from the user B. User A notifies the server of the received electronic value information. The server conducts a ticket examination of the electronic value information and pays the user A the reservation points received from the user B. After that, the user B notifies the server of the final point, and the server performs settlement of the variable amount based on the information from the user B.

According to the above embodiment, when performing inter-individual transactions on a computer network, it is possible to determine points flexibly by giving points a wide range, such as inter-individual service transactions and auction of used products. It is possible to trade products for which it is difficult to determine points before providing services.

Further, according to the above-described embodiment, provisional settlement of the minimum points is performed at the time of service reservation, thereby causing a problem of abandonment of obligations of service providers and abandonment of rights of service beneficiaries who have become social issues in electronic commerce and the like. Can be solved.

Further, according to the above embodiment, by issuing a unique ID that only the service beneficiary can know, the service provider can receive the value only after the service is performed.

That is, the third, fifth, sixth, seventh, eighth, and first
Since unique IDs, barcodes, etc. (unique information that only the value beneficiary can know) are assigned as in the embodiments 0, 12, etc., it is possible to trade electronic value information without using an IC card. In addition, it is possible to easily and reliably prove that the electronic value is possessed.

That is, in the above-described embodiment, in the inter-individual value transaction method for transacting a predetermined value between individuals, the minimum point received by the value provider providing the predetermined value for the predetermined value and the fluctuation range thereof An initial point receiving step of receiving the initial point determined by the value provider, and a value beneficiary receiving the predetermined value, within the fluctuation range, the predetermined value. Recognizing that the points to be paid fluctuate, receiving reservation information for receiving information prescribing to receive the predetermined value, and after the value beneficiary has received the predetermined value, A fixed fluctuation point receiving step in which the beneficiary receives the fluctuation point fixed within the fluctuation range, and the minimum position after the value beneficiary has received the predetermined value. Is an example of interindividual value dealing with the settlement step of settling in cement and point obtained by adding the points in said determined variation range.

Further, in the above embodiment, in the inter-individual value transaction method in which a predetermined value is traded between individuals, the lowest point paid by the value beneficiary receiving the predetermined value and paying the predetermined value and the fluctuation range thereof are described. A desired point receiving step of receiving the desired point determined by the value beneficiary, and the value beneficiary receiving the predetermined value receiving the predetermined value, A fixed fluctuation point receiving step in which the beneficiary receives the fluctuation point fixed within the fluctuation range, and after the value beneficiary has received the predetermined value, the lowest point and the point in the fixed fluctuation range And a settlement step in which settlement is performed at a point to which the value is added.

Further, in the above-described embodiment, in the inter-individual value transaction method for transacting a predetermined value between individuals, when the value provider providing the predetermined value reserves the predetermined value, From value beneficiaries who benefit from
A point keeping stage in which the server keeps predetermined points,
A unique information granting step of granting unique information known only to the reserved value beneficiary as an indication of a right to receive the reserved value, and after the reserved value beneficiary has received the reserved value, A notification information receiving step of receiving notification information indicating that the value beneficiary has notified the value provider of the unique information, and the value provider sending the notified unique information to the server,
Receiving a reception signal indicating that the value beneficiary has received the points deposited in the server.

Further, according to the above-described embodiment, in the inter-individual value transaction method for transacting a predetermined value between individuals, the value beneficiary who receives the predetermined value is provided with a value provider that provides the predetermined value. When recruiting, from the above value beneficiaries,
A point keeping stage in which the server keeps predetermined points,
The server is for recruiting the value provider, and when the value provider appears, after notifying the value beneficiary that the value provider has appeared, only the value beneficiary can know. A step of granting unique information as an indication of a right to receive value, and after the value beneficiary has received the predetermined value, the value beneficiary notifies the value provider of the unique information. Notification information receiving step of receiving notification information indicating that the value beneficiary has received the points deposited in the server by the value provider sending the notified unique information to the server. And a receiving signal receiving step of receiving the receiving signal shown.

Further, in the above embodiment, in the inter-individual value transaction method of transacting a predetermined value between individuals, the minimum point received by the value provider providing the predetermined value for the predetermined value and the fluctuation range thereof A prompting step for prompting the value provider to make a decision,
After the value beneficiary has received the predetermined value, a determining step of prompting the value beneficiary to determine a change point within the fluctuation range, and after the value beneficiary has received the predetermined value, It is an example of the inter-individual value transaction method having a settlement step of performing settlement with a point obtained by adding a minimum point and a point within the determined fluctuation range.

The above embodiment is an example in which each of the above methods is replaced by an apparatus.

[0126]

According to the first, second, ninth, eleventh, and twelfth aspects of the present invention, the lowest point and the range of fluctuation are determined. There is an effect that an appropriate price can be determined after the service ends.

According to the third, fourth, thirteenth and fourteenth aspects of the present invention, since unique information that only the value beneficiary can know is given, it is possible to trade electronic value information without using an IC card. In addition, it is possible to easily and surely prove that the electronic value is possessed.

[Brief description of the drawings]

FIG. 1 shows an apparatus T for transacting an individual value according to an embodiment of the present invention.
FIG.

FIG. 2 is a diagram showing a processing example of the first embodiment of the present invention.

FIG. 3 is a diagram illustrating a processing example according to a second embodiment of the present invention;

FIG. 4 is a diagram showing a processing example of a third embodiment of the present invention.

FIG. 5 is a diagram illustrating a processing example according to a fourth embodiment of the present invention;

FIG. 6 is a diagram illustrating a processing example according to an eighth embodiment of the present invention;

FIG. 7 is a diagram showing a processing example of a ninth embodiment of the present invention.

FIG. 8 is a diagram showing a processing example of a tenth embodiment of the present invention.

FIG. 9 is a diagram illustrating a processing example of an eleventh embodiment of the present invention.

FIG. 10 is a diagram illustrating a processing example of a twelfth embodiment of the present invention.

FIG. 11 is a diagram showing a processing example of a thirteenth embodiment of the present invention.

FIG. 12 is a diagram illustrating a processing example of a fourteenth embodiment of the present invention.

FIG. 13 is a diagram illustrating a processing example of a fifteenth embodiment of the present invention.

FIG. 14 is a flowchart showing the operation of a conventional electronic value transaction method.

[Explanation of symbols]

 T1: inter-individual value transaction device, 101: server, 102: processing program, 103: registration reception unit, 104: provision DB, 105: DB display unit, 106: purchase reception unit, 107: settlement unit, 108: temporary deposit account , 109: Electronic value registration unit, 110, 111: Termination reception unit, 201: Sales client terminal, 202, 302: WWW browser, 203: Electronic value reception unit, 204: Electronic value transmission unit, 301: Purchased client Terminal: 303: printing unit, 304: electronic value receiving unit, 305: electronic value transmitting unit, 401: settlement account, 501: electronic value account.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme court ゛ (Reference) G06F 17/60 406 G06F 17/60 406 410 410A 412 412 (72) Inventor Yukiyoshi Ota Chiyoda-ku, Tokyo 2-3-1, Nippon Telegraph and Telephone Corporation F-term (reference) 5B049 AA02 BB11 CC05 CC08 DD01 EE00 FF03 GG02 GG04 GG07 5B055 CA00 CB10 CC00 EE27

Claims (15)

[Claims] Claims: 1. An interpersonal value transaction method for transacting a predetermined value between individuals, comprising: an initial value obtained by adding a minimum point received by the value provider for providing the predetermined value and a fluctuation range thereof to the predetermined value. Receiving an initial point determined by the value provider; and changing a point paid by the value beneficiary receiving the predetermined value for the predetermined value within the fluctuation range. Receiving the information prescribing to receive the predetermined value, after understanding that the value beneficiary has received the predetermined value; and Receiving a fixed variable point receiving a fixed point within the range; and after the value beneficiary has received the predetermined value, the minimum point and the fixed point are determined. Settlement phase and to settle at the point where the sum of the points in the fluctuation range; interindividual value transactions method characterized by having a. 2. In an inter-person value transaction method for transacting a predetermined value between individuals, a request obtained by adding a minimum point paid by the value beneficiary receiving the predetermined value and a fluctuation range thereof to the predetermined value. Receiving a desired point determined by the value beneficiary; receiving the predetermined value; and after the value beneficiary receiving the predetermined value has received the predetermined value, A fixed variable point receiving step of receiving a fixed variable point within the range; a point obtained by adding the minimum point and the point within the fixed variable range after the value beneficiary has received the predetermined value. A settlement step for making a settlement. 3. An inter-individual value transaction method for transacting a predetermined value between individuals, wherein the value provider that provides the predetermined value receives the predetermined value when the value provider reserves the predetermined value. A point depositing step in which the server deposits a predetermined point from the value beneficiary; a unique information providing step of giving unique information that can be known only to the reserved value beneficiary as an indication of a right to receive the reserved value; A notification information receiving step of receiving, after the reserved value beneficiary has received the reserved value, notification information indicating that the value beneficiary has notified the value provider of the unique information; and Receiving signal receiving the receiving signal indicating that the value beneficiary has received the points deposited in the server by sending the information to the server by the value provider. Interindividual value transactions method characterized by having; floors and. 4. A method of transacting a predetermined value between individuals, wherein the value beneficiary who receives the predetermined value recruits a value provider that provides the predetermined value. From the value beneficiary, a point depositing step in which the server deposits predetermined points; a recruiting step in which the server recruits the value provider; and when the value provider appears, the fact that the value provider appears. After notifying the value beneficiary, assigning unique information that can be known only to the value beneficiary as an indication of the right to receive the value; and a step where the value beneficiary has received the predetermined value A notification information receiving step of receiving notification information indicating that the value beneficiary has notified the value provider of the unique information; and the value provider transmits the notified unique information to the server. By subjecting worth beneficiaries and receipt signal receiving step of receiving a reception signal indicating that it has received a point entrusted to the server; interindividual value transactions method characterized by having a. 5. The claim 3 or claim 4, wherein when the value beneficiary requests the value provider to execute the value, if the value provider is absent, the service default information is sent to the server. A method for inter-individual value transaction, characterized in that the point paid by the value beneficiary at the time of providing the value or at the time of the value reservation is refunded to the value beneficiary after a predetermined period elapses. 6. The claim 3 or claim 4, wherein when the value beneficiary requests the value provider to execute the value, if the value beneficiary is absent, the service fulfillment information is stored in the server. , The points paid by the value beneficiary to the server at the time of value provision or value reservation are paid out to the value provider after a predetermined period elapses. 7. The arbitration clerk according to claim 5, wherein when the service breach information and the service unavailability information are reported together to the server within a predetermined period, the arbitrator is notified of the arbitration request. A method for trading value between individuals, characterized by: 8. The method according to claim 5, wherein the value provider is absent at the time of the transaction, or the value beneficiary is absent at the time of the transaction. And imposing a predetermined penalty on a person who has been absent. 9. A method for inter-individual value trading in which a predetermined value is traded between individuals, wherein an initial value obtained by adding the minimum point received by the value provider providing the predetermined value and the fluctuation range thereof to the predetermined value. A decision prompting step for prompting the value provider to determine a point; a decision step for prompting the value beneficiary to confirm a change point within the fluctuation range after the value beneficiary has received the predetermined value. A settlement step in which after the value beneficiary has received the predetermined value, the settlement is performed with a point obtained by adding the minimum point and the point within the determined fluctuation range. Transaction system. 10. The method according to claim 1, wherein the predetermined value is a predetermined service or a predetermined product, and the provision of the value is the provision of the predetermined service or the predetermined Sales of goods, the benefit of the value is benefit of the predetermined service or purchase of the predetermined product, and implementation of the value is performance of a predetermined service or delivery of a predetermined product; The points are money or points, and the unique information is a unique ID, a barcode, and electronic value information. 11. An inter-person value transaction device for transacting a predetermined value between individuals, wherein an initial value obtained by adding a minimum point received by the value provider for providing the predetermined value and a fluctuation range thereof to the predetermined value. Initial point receiving means for receiving an initial point determined by the value provider; points paid by the value beneficiary receiving the predetermined value for the predetermined value within the fluctuation range Reservation information receiving means for receiving information prescribing to receive the predetermined value upon understanding that the value beneficiary has received the predetermined value. A fixed fluctuation point receiving means for receiving a fluctuation point fixed within the range; and after the value beneficiary has received the predetermined value, the minimum point and the fixed point are determined. And settlement means for settling at a point obtained by adding the point fluctuation width; interindividual value transaction device characterized in that it comprises a. 12. An inter-individual value transaction device for transacting a predetermined value between individuals, wherein the value beneficiary who receives the predetermined value adds a minimum point paid for the predetermined value and a fluctuation range thereof. Desired point receiving means for receiving a desired point determined by the value beneficiary; and after the value beneficiary receiving the predetermined value has received the predetermined value, the value beneficiary is changed by the change A fixed fluctuation point receiving means for receiving a fluctuation point fixed within the range; a point obtained by adding the minimum point and the point within the fixed fluctuation range after the value beneficiary has received the predetermined value. And a settlement means for making a settlement. 13. An inter-individual value transaction device that transacts a predetermined value between individuals, wherein the value provider that provides the predetermined value receives the predetermined value when the value provider reserves the predetermined value. Point keeping means for keeping predetermined points from value beneficiaries;
A unique information granting means for giving unique information known only to the reserved value beneficiary as an indication of a right to receive the reserved value; and after the reserved value beneficiary has received the reserved value, Notification information receiving means for receiving notification information indicating that the value beneficiary has notified the value provider of the unique information; and by sending the notified unique information to the server,
And a receiving signal receiving means for receiving a receiving signal indicating that the value beneficiary has received the points deposited in the server. 14. An inter-person value transaction device for transacting a predetermined value between individuals, wherein a value beneficiary receiving the predetermined value recruits a value provider providing the predetermined value. Point keeping means for depositing predetermined points from the value beneficiary; recruiting means for recruiting the value provider; and when the value provider appears, inform the value beneficiary that the value provider has appeared. Unique information giving means for giving unique information that only the value beneficiary can know after the notification as an indication of the right to receive the value; and after the value beneficiary has received the predetermined value, Information receiving means for receiving notification information indicating that the user has notified the value provider of the unique information; and transmitting the notified unique information to the server by the value provider. ,
And a receiving signal receiving means for receiving a receiving signal indicating that the value beneficiary has received the points deposited in the point storing means. 15. The method according to claim 11, wherein:
In the paragraph, the predetermined value is a predetermined service or a predetermined product, the provision of the value is provision of the predetermined service or sale of the predetermined product, and the benefit of the value is the predetermined The benefit of the service or the purchase of the predetermined product, the implementation of the value is the execution of the predetermined service or the delivery of the predetermined product, the points are amounts or points, and the unique information is a unique ID. , Bar code and electronic value information.