JP2002032587A - System and method for anonymous electronic commerce with credit function - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a credit estimation, a dealing limit amount management, a credit management, an authentication risk management, etc., in real time on a computer network. SOLUTION: A commerce credit method which enables completely anonymous commerce on a site structured on a computer network: authenticates as a dealer a person who is newly going to participate in commerce at the site as a seller or buyer and meets specific conditions; sets the rank of the dealer according to specific company data including at least one of the capital, sales, and business history; sets the dealing limit amount of commerce by the dealer according to the rank; and limits the commerce when the amount of the commerce exceeds the dealing limit amount of the seller or buyer of the commerce. In a preferable implementation style, electronic commerce including negotiation, contracting, settlement, and delivery is all carried out anonymously.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a business transaction between companies on a computer network, and more particularly, to a system for managing a risk generated in a business transaction on a computer network, and more particularly to a system for judging credit in settlement between companies. About. Further, the present invention particularly relates to an electronic commerce system constituted by a membership system and in which participating members are completely anonymous.

[0002]

BACKGROUND OF THE INVENTION Not on a computer network,
In commercial transactions between companies in the real world, there is an intermediary such as a trading company between a supplier (seller) company and a buyer (buyer) company, and the sales limit is determined based on the production capacity, quality control status, etc. of each seller company. Each time, an intermediary company determines the credit limit based on the financial situation of the buyer's company, the payment status, etc., and conducts business transactions such as bill settlement. In other words, an intermediary such as a trading company intervenes in business transactions between companies by taking inventory risks in business transactions between companies, provides usability according to settlement conditions, etc., attaches so-called trading finance, and establishes large-scale business transactions are doing.

On the other hand, electronic commerce (hereinafter referred to as "electric commerce") on a computer network represented by the Internet, which has been explosively spreading in recent years,
Also called "EC". ) Refers to companies and individuals ("B to
C ". ) Or individuals and individuals ("C to
C ". The electronic commerce form in (1) is becoming widespread, but since a secure electronic commerce form has not been established, fraudulent transactions, troubles such as complaints, etc. occur frequently, and are becoming a major social problem. In particular, e-commerce on the Internet is characterized by high anonymity and the fact that it is difficult to discover users despite the fact that they are easily tampered with. Is the current situation. Companies and companies (hereinafter “B to
B ". ) Is B to C and C to C
The transaction amount is larger than that of commercial transactions in Japan, and the development of settlement infrastructure called a so-called Internet bank has been delayed, and there is a greater risk.

Further, in conventional B-to-B e-commerce sites, negotiations are conducted anonymously until the desired trading conditions between users participating in the e-commerce match, but after that, A system is adopted in which a trading partner is disclosed, and then the parties decide the remaining conditions (for example, delivery, settlement, etc.).

[0005]

[0005] Electronic commerce on a network is simpler and faster than real-world commerce, and it is expected that a large market will be formed in the future. B to
In order to maintain B, it is necessary to grasp and manage risks in real time during electronic commerce.

[0006] In addition, in order to operate an e-commerce site, there is a cost for setting up and operating the site. Therefore, it is necessary for a business user to pay a considerable amount of participation fee in order to participate in the e-commerce site. General. Participating users who wish to participate in e-commerce have a meaning to participate in e-commerce, even if they pay the participation fee, if trading in e-commerce is relatively cheaper than direct transactions in the real world. In the B-to-B e-commerce form described above, when a business user participates in e-commerce for the first time, there is a possibility that he or she will know and match many trading partners, so he does not know before joining e-commerce This is useful because it is possible to find a trading partner company that has been established, but once a promising trading partner company is found, the significance of participating in the electronic commerce site decreases. In particular, if it is possible to adjust the desired price among corporate users, the transaction costs will be increased by the participation fee and brokerage fee for the e-commerce site,
It may be cheaper to make a direct transaction without going through electronic commerce.

[0007]

SUMMARY OF THE INVENTION In order to solve the above-mentioned inconveniences, an object of the present invention is to provide real-time credit judgment, transaction limit management, credit management, authentication risk management, and the like on a computer network. It has the following features.

[0008] The credit system according to the present invention is a commerce credit system that enables commerce on a site constructed on a computer network. A trader authentication means for authenticating as a trader when a predetermined condition is satisfied, and based on predetermined company data including at least one of capital, sales and business history concerning the certified trader Rank setting means for setting the trader's rank, and transaction limit setting means for setting a trade limit for the commercial transaction of the trader based on the rank set by the rank setting means. Features.

[0009] The credit system further includes a commercial transaction restricting means for restricting the commercial transaction when a value of the commercial transaction exceeds the transaction limit of a seller or a buyer of the commercial transaction, wherein the commercial transaction restricting means comprises the transaction limit. It is characterized by issuing a warning to the seller or the buyer when the amount exceeds the amount or stopping the commercial transaction.

[0010] Further, there is provided transaction data management means for organizing and managing predetermined transaction data relating to past transactions on the site with respect to the authenticated trader. It is characterized by referring to the managed transaction data and considering it according to predetermined conditions.

[0011] Further, in the transaction data, complaint information on the trader regarding whether or not there is any complaint in the commercial transaction, bankruptcy information of the trader, information on the mishandling of a bill involving the trader, and the trader are involved. At least one of information on foreclosure and information on anxiety about the trader as to whether or not there is any indication of deterioration of management is included.

[0012] Further, the transaction data includes information on the payment manner of the trader in the commercial transaction. It is characterized in that it is reflected in data.

[0013] In a preferred embodiment, the credit system according to the present invention is characterized in that the company data is evaluated numerically, and the rank is determined based on the numerical evaluation.

Further, the credit system is characterized in that, based on the transaction data, the rank of a trader who has performed the commercial transaction properly for a predetermined number of times within a predetermined period is changed to a higher rank. I do.

[0015] Further, it is characterized in that, based on the transaction data, the rank of a trader who has made a commercial transaction of delayed payment for a predetermined number of days or more within a predetermined period is changed to a lower rank.

In another preferred embodiment, the transaction restricting means is configured to execute, based on the transaction data, a site of a trader who has made at least two or more predetermined times of delayed payment commercial transactions for a predetermined number of days or more within a predetermined period. The above-mentioned commercial transaction is stopped. The predetermined condition can be determined by the site owner.

Further, the present invention is characterized in that the transaction limit is determined based on the average monthly sales of the trader and the numerical evaluation of the company data.

In another preferred embodiment, when the transaction limit of the seller and the buyer of the transaction is different, the commercial transaction restricting means prohibits a commercial transaction exceeding a transaction limit of a low-value trader. It is characterized by comprising.

According to another feature of the present invention, a method for crediting a commercial transaction according to the present invention, which enables a commercial transaction on a site constructed on a computer network, comprises the steps of: If a person who intends to participate in the transaction satisfies the predetermined conditions, it authenticates as a trader, and capital,
A rank of the trader is set based on predetermined company data including at least one of sales and business history, a trade limit of the trader is set based on the rank, and an amount of the trade is set. Restricts the commercial transaction if it exceeds the transaction limit of the seller or buyer of the commercial transaction.

The method according to the present invention may further comprise the step of identifying a trader by a specific identification mark in the site, while at least the site owner can identify a name including a company name of a person involved in the commercial transaction. Thus, the buyer or the seller may conduct an anonymous business transaction at the option.

According to still another feature of the present invention, if a seller or a buyer who intends to newly participate in a business transaction via a computer network satisfies predetermined conditions, the user is authenticated as a trader, A rank of the trader is set based on predetermined company data including at least one of capital, sales, and business history for the certified trader, and the trade of the trader based on the rank is set. Providing a signal representing a program having a step of restricting the transaction when the value of the transaction exceeds the transaction limit of the seller or the buyer of the transaction on a carrier wave and providing the signal to a computer network. It is characterized by doing.

According to still another feature of the present invention, a recording medium on which program data having an algorithm according to the present invention is recorded can be used by a person who intends to newly participate in a business transaction via a computer network to a seller or a buyer. Authenticates as a trader when a predetermined condition is satisfied, and based on predetermined company data including at least one of capital, sales and business history regarding the certified trader, Setting a rank, setting a transaction limit of the transaction of the trader based on the rank, and restricting the transaction when the amount of the transaction exceeds the transaction limit of the seller or the buyer of the transaction. At least a part of program data having steps is recorded.

According to still another aspect of the present invention, a transmission medium for transmitting program data having an algorithm according to the present invention is provided for a person who intends to newly participate in a transaction or a buyer through a computer network. Authenticates as a trader when a predetermined condition is satisfied, and based on predetermined company data including at least one of capital, sales and business history regarding the certified trader, Setting a rank, setting a trade limit for the trader based on the rank, and limiting the trade if the trade amount exceeds the trade limit of the seller or buyer of the trade. And transmitting at least a part of the program data having

Further, in order to solve the above-mentioned problems and operate a stable e-commerce site, only the operator (owner) of the e-commerce site recognizes the customer information of the participating company users in the e-commerce site. Can be
It is necessary for the users of the participating companies to completely conceal the entire process from delivery to delivery and settlement after the transaction is completed.
An object of the present invention is to completely reduce the number of users of an e-commerce site by preventing the information of participating company users from being completely concealed to the end, thereby expanding a stable e-commerce market. And has the following features.

The commercial transaction system according to the present invention which enables anonymous commercial transactions attempts to newly participate as a seller or a buyer in a commercial transaction at a site constructed on a computer network accessible from a plurality of information terminal devices. Means for authenticating as a trader when a trader satisfies a predetermined condition, and information disclosure / browsing means for enabling said authenticated trader to publish and browse product information anonymously. And a notifying means for anonymously notifying a person who has participated in the transaction anonymously that the commercial transaction has been established, based on the product information disclosed and viewed on the site, and providing the buyer with anonymity. Delivery means for delivering the product in which the commercial transaction has been established, and settlement means capable of performing commercial transaction settlement while ensuring the anonymity of the buyer and seller information. Characterized by comprising.

According to another feature of the present invention, a business transaction method for enabling anonymous business transactions is provided for a seller or buyer for a business transaction on a site constructed on a computer network accessible from a plurality of information terminal devices. If a person who intends to participate newly satisfies the predetermined conditions, authenticates as a trader and publishes on the site product information that the authenticated trader wants to purchase as an anonymous buyer The authorized trader browses the published product information on the site as an anonymous seller,
When a commercial transaction is established based on the product information published and browsed on the site, the fact that the commercial transaction has been established is also notified anonymously to those who participated in the transaction, and the commercial transaction is established while securing anonymity from the seller. It is characterized in that it is possible to pick up the product, deliver the product for which the commercial transaction has been established to the buyer while securing the anonymity, and settle the commercial transaction while securing the anonymity of the information of the buyer and the seller.

[0027] Further, the commercial transaction comprises (a) setting a desired price of a product desired to be purchased as an anonymous buyer, (b) releasing product information desired to be purchased as an anonymous buyer on the site, and (c) The published product information is browsed on the site as an anonymous seller, and (d) the seller anonymously presents the desired selling price if he / she wants to sell among the published product information; Determine whether the seller's desired selling price is equal to or less than the buyer's desired selling price, and in step (f) step (e), if the seller's desired selling price exceeds the buyer's desired selling price, search for another seller. (G) If the other seller is not found, repeat the processing of steps (a) to (f) until a seller is found.If the other seller is found, go to step (i), (h) ) In step (e), the seller's desired selling price is If it is below the desired purchase price, the process proceeds to step (i), and (i) it is further determined whether there is a competing seller who has offered the desired price below the buyer's desired purchase price, and (j) in step (i), If in a competitive state, the process proceeds to a conflict resolution routine in which the seller who has offered the lower price is awarded, and then a commercial transaction is established.In step (i), if the competitive state is not established, the commercial transaction is established. At least.

According to another feature of the present invention, a method of commerce enabling anonymous commerce is provided as a seller or buyer for commerce at a site established on a computer network accessible from a plurality of information terminal devices. If a person who intends to participate newly satisfies the predetermined conditions, authenticates as a trader, and publishes on the site product information provided by the authenticated trader as an anonymous seller,
If the authenticated trader browses the published product information as an anonymous buyer on the site and a commercial transaction is established based on the product information published and browsed on the site, the effect that the commercial transaction has been established Notify also to the person who participated in the transaction anonymously, pick up the product that the commercial transaction was established while securing anonymity from the seller, deliver the product that the commercial transaction was established to the buyer while ensuring the anonymity, The transaction is settled while ensuring the anonymity of the buyer and seller information.

In a preferred embodiment, the business transaction comprises: (a)
Set the desired price of the product you want to sell as an anonymous seller, (b) publish the product information you want to sell as an anonymous seller on the site, (c) the published product information as an anonymous buyer When browsing on the site, (d) when wishing to purchase among the published product information, the buyer anonymously presents the desired price, and (e) the desired price of the buyer is the desired price of the buyer. Judge whether it is below the price and (f)
In step (e), if the buyer's desired purchase price is lower than the seller's desired sale price, search for another buyer, and (g) if the other buyer is not found, step until the buyer is found. Repeat the processing of (a) to (f),
If the other buyer is found, proceed to step (i),
(h) In step (e), if the buyer's desired price is equal to or higher than the seller's desired price, the process proceeds to step (i),
(i) It is further determined whether there is a competing buyer who has offered a desired purchase price that is equal to or higher than the seller's desired selling price. (j) In step (i), if there is a competitive situation, a buyer who has offered a higher price. After going through the conflict resolution routine to make a successful bid, go to step (l), (k) In step (i), if there is no competitive situation, go to step (l), and (l) whether the seller still wants to sell (M) If the product still remains in step (l), the processing of steps (a) to (l) is repeated. (N) If the product does not remain in step (l), The method is characterized by having at least a step of terminating sales.

In still another preferred embodiment, the commercial transaction comprises: (a) setting a desired price of a product desired to be sold as an anonymous seller; and (b) setting information of the product desired to be sold as an anonymous seller on the site. (C) browse the published product information on the site as an anonymous buyer, and (d) if you want to purchase among the published product information, anonymously Present, (e) determine whether the buyer's desired purchase price is equal to or less than the buyer's desired purchase price, and (f) in step (e), if the buyer's desired purchase price is lower than the seller's desired sale price. Search for other buyers, (g) if the other buyer is not found, repeat steps (a) to (f) until a buyer is found, and if the other buyer is found, step ( i)
(H) In step (e), if the buyer's desired purchase price is equal to or higher than the seller's desired sale price, step (i)
Moving on, (i) further determine whether there is a competing buyer who has offered a desired purchase price higher than the seller's desired sale price,
(j) In step (i), if there is a competitive situation, the seller and a plurality of competing buyers individually determine a specific buyer by negotiating with each other, and then proceed to step (l), and then go to step (l). In (i), if there is no competition, the process proceeds to step (l), (l) it is determined whether or not the seller wants to sell the product, and (m) the product still remains in step (l). Then, the processing of steps (a) to (l) is repeated, and (n) in step (l), at least a step of terminating the sale if there are no remaining commodities is characterized by having a feature.

In still another preferred embodiment, in the step (d), before requesting a purchase and placing an order from the published product information, a sample of the product is anonymously requested, and then the buyer is anonymously requested. A feature of presenting a desired purchase price.

In another preferred embodiment, in the settlement, usability to the anonymous buyer is determined by:
It is characterized in that it can be set longer than the usability for the seller by the anonymity.

Further, the credit system according to the present invention is a credit system for providing credit information of a company to a user terminal on a site constructed on a computer network, wherein the credit information is transferred from the user terminal to the credit information on the site. User authentication means for permitting access to the user, user information specifying means for specifying company information of a user permitted by the user authentication means, and credit company specification means for specifying at least one credit company. A credit information display means for displaying company information of the specified credit company; and a desired transaction limit capable of inputting a desired transaction limit in a commercial transaction with the specified credit company from the user terminal. Amount input means, and the desired transaction limit input from the user side and the specified creditor company information By compare, and providing the safety of the judgment of commerce user terminal substantially in real time.

Further, the credit system further comprises a user information correcting means, wherein the user information specifying means enables the user authenticated by the user authenticating means to correct user company information directly from a user terminal. And

Further, in the credit system, the desired transaction limit input means includes means for inputting at least monthly sales and the number of collection months, and the desired transaction limit obtained from the product of the monthly sales and the number of collection months. It is characterized in that a limit can be entered.

Further, the credit system further comprises bankruptcy probability evaluation means for evaluating the bankruptcy probability of the creditor company based on the rank set by the rank setting means, and at least the bankruptcy obtained by the bankruptcy probability evaluation means. It is characterized by further comprising a change rate evaluation means for calculating the minimum required change rate by calculating the sum of the probability, the cost rate of capital of the credit company and the expense rate of the credit company.

Further, the credit system further comprises means for evaluating a target transaction amount per month by dividing a difference between the transaction limit of the creditor company and the desired transaction limit by the number of collection months. It is further characterized by being provided.

[0038] In a preferred embodiment, the credit company management system according to the present invention includes a management system in which at least one credit company information evaluated by the credit system is specified on a user terminal screen so that the user can compare the information. It has a credit company management means capable of displaying a screen.

Further, in the credit company management system, the management means includes at least the rank information, the limit information, and the date information on the evaluation of the credit company for each credit company. It is characterized in that the credit company information can be evaluated according to desired information for each information.

According to another aspect of the present invention, there is provided a commercial transaction credit method for providing credit information of a company to a user terminal on a site constructed on a computer network. Authenticates as a user when the predetermined conditions are satisfied, provides the authenticated user with the desired credit company information, and provides the authenticated user with the credit company. In the commercial transaction of the desired transaction limit is input, the input desired transaction limit and the creditor company information is evaluated,
It is characterized in that the judgment of the safety of the commercial transaction is provided to the user substantially in real time.

Further, the method according to the present invention further comprises a step of causing the authenticated user to correct the user company information at the user terminal.

[0042] The method according to the present invention further comprises the step of: when the authenticated user inputs the desired transaction limit,
The authenticated user is required to input at least the monthly quotient and the number of collection months, and set the amount obtained from the product of the input monthly quotient and the number of collection months as the desired transaction limit. It is characterized by being able to.

Further, in the method according to the present invention, the bankruptcy probability of a credit-receiving company is calculated based on the rank set by the rank setting means, and at least the bankruptcy probability is calculated by:
The sum of the capital cost ratio of the credit company and the accounting ratio of the credit company is set as the minimum required change rate, and the authenticated user is provided with the minimum required change rate.

Further, the method according to the present invention further comprises the step of determining a difference between the transaction limit of the creditor company and the desired transaction limit.
Dividing by the number of collection months, setting as a transaction target amount per month, and providing the authenticated user with the transaction target amount.

According to still another aspect of the present invention, a credit company management method according to the present invention is provided so that a user can compare one or more credit company information provided by the commercial transaction credit method. A specific management screen is displayed on the user-side terminal screen.

According to still another feature of the present invention, in conducting a business transaction with at least one or more creditor companies registered in the creditoree company management system, a predetermined number of users authenticated by the user authentication means are given to the user. An e-commerce system according to the present invention for providing a user interface on a user terminal screen so as to provide a financial service, a financial service selecting means capable of selecting at least one or more financial services, and the financial service Service application condition input means for inputting a condition on the user side when receiving the service.

According to still another feature of the present invention, when conducting electronic commerce with a creditor company on a site constructed on a computer network, a predetermined financial service is provided to a user who has been authenticated by user authentication means. The electronic commerce method according to the present invention, which can provide a user, selects at least one or more financial services, and has the user input conditions for providing the financial services. And

[0048]

FIG. 1 shows a schematic diagram of a network system in which a credit judgment system according to the present invention functions. This system has an EC risk management site 20 accessible on the Internet 10, a company information database 30, and a certificate authority 40. In a preferred embodiment, the company information database can use the company profile database COSMOS2 of Teikoku Databank Co., Ltd., which has its own rating. In order to carry out electronic commerce at the EC risk management site 20, sellers (51, 52,...) And buyers (61, 62,.
Logs on to the site 20 via the certificate authority 40.

FIG. 2 shows EC risk management site 2
0 shows a schematic diagram. Sellers and buyers who are users
Log on to the site 20 via the external certificate authority 40.
At the time of logon, authentication is performed in the site certificate authority 70 by the entity that operates the site 20. Site Certification Authority 7
At 0, the user is authenticated, and a management number and a time limit are given. Next, in the term / authority management station 80, the claim data 81 and the anxiety information data 8 registered in advance are stored.
Management of the expiration date of certification by referring to 2 etc., and management of transaction authority according to the degree of complaints and anxiety information, and the transaction such as suspension of transactions even in case of unexpected unexpected situation Manage permissions.

Next, a credit judgment for managing a risk in the electronic commerce of the user is performed. Based on the judgments shown in S1 to S3 in FIG. 2, “judgment of the selling limit”, “judgment of the buying limit” (setting of the rank) and “adjustment of the buying limit based on the first payment” are performed, and the buying according to the rank is performed. Limits are set in advance, the buy limit and rank are linked, it is checked whether transactions are performed within the set sell limit and buy limit, and a warning is issued for transactions exceeding the limit, or Stop it. Showing the details of each decision below; Specific examples of the determination of the selling limit judgment 1 shown in decision diagram 2 selling limit shown in FIG. Here, the company data 83 is the company information database 3
0 is provided with data, and the company information database 30 is preferably a company outline database COSMOS2 of Teikoku Databank Co., Ltd. In the present embodiment, the company data 83 is COSMOS2
The data is based on the above data, and has scores as company outline data. Based on the COSMOS2 score, the sellers participating in this site 20 are allowed to sell up to 10% of the monthly sales for companies with a score of 65 points or more, and 5% of the monthly sales for companies with a score of 49 or more and less than 65 points. % And other companies up to 3% of monthly sales. These determinations are made at an arbitrary time interval to set a selling limit. This period can be arbitrarily determined by the owner of the site 20. here,
The selling limit is the amount that a seller can credit on this site, that is, the limit on the balance of accounts payable as seen by the site owner and buyer.

[0051] Specific examples of the determination of decision 2 of buying limits indicated in decision Figure 2 buy limit shown in FIG. A ranking is set in order to set a buying limit using the company data 83 for each period that the owner of this site can arbitrarily determine. Here, the buying limit is the amount that the buyer can buy on the site, that is, the amount of the receivables viewed from the site owner and the seller. In a preferred embodiment, ranks a1 through a5 and COD (Cash O
n Delivery). COD means cash on delivery and is a rank that is not subject to credit. The purchase limit of the buyer company participating in this site 20,
Based on the score of COSMOS2, a1 is a company having a score of 65 or more, a1 is a company having a score of 49 or more and less than 65, and a2 is a company having sales of 1 billion yen or more and having a corporate declaration, and a49. A company with a score of not less than 65 and a financial result in the black is a3, and a score of 49 or more and 65
A company with a score of less than 10 and a capital of 10 million yen or more is classified as a4, and a company with a score of 49 or more and less than 65 points and a capital of less than 10 million is ranked a5. . In addition, companies with a score of 35 or more and less than 49 points are further scored based on the items shown in Table 1,
A company with a total score of 0 or more is ranked as a5, and a company with less than 0 is ranked as COD. For example, in the case of a company whose rating trend of COSMOS2 is upward (+1 point), sales amount is 50 million yen (-1 point), and business history is 11 years (0 point), + 1- 1 + 0 = 0 points, and rank a5. As another example, the rating trend of COSMOS2 is downward (-1 point), and the sales scale is 400 million yen (0 point).
), And a company with 9 years of business history (-1 point)
1 + 0-1 = -2 points, which is a COD rank. In the case of a company with a COSMOS2 rating of less than 35 points, the company is unconditionally ranked as COD and is not eligible for credit.

[0052] shows a specific example of an adjustment of the limit buy payments the first time of 3 judgment shown in the adjustment Figure 2 limit buying by the payment the first time in Figure 5. The up / down movement of the rank divided in the step of the above-mentioned judgment 2 is adjusted using the payment data 84 for each period in which the owner of the site 20 can be arbitrarily determined. In a preferred embodiment, companies that have a track record of more than a predetermined number of track records can be upgraded by one rank. The predetermined number of transaction results can be arbitrarily determined by the owner of the site 20. Further, in the commercial transaction on the site 20, if a payment delay occurs within a predetermined number of days, the rank can be reduced by one rank. The predetermined number of days can also be arbitrarily determined by the owner of the site 20. In addition, if the payment is delayed for a predetermined number of days or more, and if the owner of the site 20 arbitrarily sets the conditions, for example, if the payment is delayed for the second predetermined number of days within three months, the transaction To stop. If none of these conditions are met,
The rank will be maintained as it is.

Input of Buy Limit / Limit Management A buy limit is set in advance according to the ranks a1 to a5 as described above. For example, it is possible to set a purchase limit of 5 million yen for a1, 4 million yen for a2,... 1 million for a5. The purchase limit and the rank are linked.

Each purchase limit rank (a1 to a1
The rank of the sales limit is set so as to correspond to 5) (b1 to b5). The sales limit is entered in each rank of these sales limits, and the receivables and credits limit management office 90 monitors whether transactions are being performed within the set selling and buying limits, and warns about transactions exceeding the limits. Or suspend the transaction. The result monitored here is provided to the first payment data 84, and is further fed back to the above judgment 3. Further, the credit and debt limit management station 90 performs settlement management and order management, and stores electronic documents. The anxiety information data 81 and the claim data 82 shown in FIG. 2 are created by the owner of the site 20 by arbitrarily inputting them.
Claims from the seller can be automatically provided with information in claim data 82.

By performing the credit judgment according to the present invention in real time at this site on the network, large-scale B to B can be safely performed while maintaining anonymity on the network.
E-commerce can be implemented. An example of electronic commerce using the present system will be described below. Participating sellers and buyers to the EC risk management site Corporate users who are buyers and external certificate authorities 40
Get certification at. Then, approval of external authentication,
The site 20 is authenticated, and a management number and a time limit are given. For the corporate users who try to log on to this site, the management of the expiration date of the authentication and the management of the transaction authority according to the degree of complaints and anxiety information are performed. Next, it is matched with the company outline data of, for example, COSMOS2 stored in the company data 83. According to the credit judgment process described in the preferred embodiment, the credit judgment of the company user is performed, and the selling limit and the buying limit are set. In addition, the first payment data is fed back and reflected in the rank. Next, the credit-determined corporate user logs on to the transaction site. However, a corporate user determined to be a COD condition can log in to the transaction site, but the transaction is a transaction only for the COD settlement condition.

Electronic Commerce FIG. 6 shows a preferred embodiment of electronic commerce in an electronic commerce site constructed on the Internet. Among the corporate users who log on to the trading site, the seller company,
The sales site is inquired about the product to be sold at the transaction site (step 1). On the other hand, the buyer company makes a purchase request inquiry for a desired product presented on the transaction site (step 1 '). Next, the buyer company makes a purchase request application (step 2 '), and the seller company makes a sales request application (step 2). Here, the credit and bureau management station 90 determines whether or not the transaction is within the limit of the commercial transaction. If the limit is within the limit, the trading is determined, and the order management system 91 is activated. At this time, the buyer company generates a residual balance as viewed from the site owner or the seller, and the seller company generates a merchandise payable as viewed from the site owner or the buyer. These receivables and payables are managed by the receivables and payables management bureau 90, and the order management system 91 issues an order form to the seller company (step 3), while a purchase firm notice is issued to the buyer company. (Step 3 '). The seller company registers the shipment with the order management system 91 when the merchandise to be commercialized is shipped (step 4), while the order management system 91 notifies the buyer company of the shipment (step 4). 5). Next, after receiving the goods, the buyer company makes a receipt / acceptance registration with the order management system 91 (step 6), and the order management system 9
1 notifies the seller company of receipt and acceptance (step 7). The order management system 91 issues an invoice to the buyer company at the time of settlement (step 8). The order management system 91 stores the notification issued in the above series of steps (steps 3 to 8) as an electronic document. Next, the process proceeds to the settlement system 92, and the buyer company pays the settlement system 92 (step 9), and the settlement system 92 pays the seller company (step 1).
0). In another embodiment, sellers and buyers may be able to settle through a clearing house such as an existing bank. Next, the seller company registers the payment with the payment system 92, and the payment system 92 receives the registration.
It clears the remaining balance of credits to the buyer company, clears the accounts payable to the seller company, and manages the due date. Specifically, it checks whether payment has been made on time, and records the payment status in the payment data 84. Further, the settlement system 92 grasps the remaining credit to the buyer company, judges whether the remaining credit is within the limit, and if the remaining amount exceeds the limit, disables additional transactions. For the company, the balance of the accounts payable is ascertained, and it is determined whether or not the balance of the deliverables is within the limit. If the limit is exceeded, no additional transactions can be made. Further, complaints and the like from the seller company and the buyer company are recorded in the claim data, and a mail notification is automatically sent to the seller company and the buyer company. In another preferred embodiment, the level of complaint, anxiety information, bankruptcy information, bill default, seizure,
Transaction authority can be deprived depending on the degree of the complaint. Also, in the electronic commerce in the above embodiment, only the site owner can identify the names of the buyers and sellers involved in the commerce, and the buyers and sellers participating in the commerce identify each other's company names. You may have anonymity that cannot do it. In this case, by using anonymity, electronic commerce can be performed with a business partner different from the real-world commerce with a transaction volume different from the real-world commerce, without being bound by series sales in the real world. A more detailed embodiment of the anonymous transaction will be described later.

The embodiment described above uses the Internet 1
5 is an example of e-commerce in an e-commerce site built on the Internet. As another preferred embodiment of the present invention, FIG.
In the form of an ASP (application service provider) as shown in the following, the credit judgment according to the present invention can be provided. Here, judgment 3 described in FIG.
FIG. 9 shows a specific example of judgment 4 as the next step after (S3).
Shown in Running a computer program capable of providing a credit determination method according to the present invention at a site of a specific application service provider,
Users (corporations) 111, 112, 113. involved in electronic commerce via the Internet 10. . . Figure 9
According to the judgment 4 shown in (1), the user enters a buying limit commensurate with the physical strength of each user, makes a credit judgment for a company that each user wants to make a transaction with, and sets the transaction limit on the Internet 1
For example, a warning may be issued to each user via the Internet or, if the transaction limit is exceeded, a warning to the user for stopping or reducing the transaction via the Internet.

In still another preferred embodiment, the credit judgment according to the present invention is performed on a user's computer by packaging all or a part of a computer program capable of providing the credit judgment according to the present invention. Is possible. In this case, the program for executing the algorithm for the credit judgment is the credit judgment system 1
The company data 120 that runs on the user's computer as 10 but needs to be updated sequentially can be accessed via a computer network such as the Internet 10, for example.

Preferred Embodiment of Complete Anonymous Electronic Commerce FIG. 10 is a schematic diagram of a preferred embodiment of a network system in which the anonymous electronic commerce system according to the present invention functions. The system is preferably an Internet 10
An anonymous e-commerce site 1130 accessible above,
Certification Authority 1120, Examination Authority 1121, and Settlement Authority 1122
, A distribution station 1123 and a content providing station 1124. The site 1130 is connected to the certification authority 1121 connected to the certification authority 1120, and the authentication / credit server 11 connected to the certification authority 1121.
31 and the settlement server 113 connected to the settlement office 1122
2 and the distribution server 1133 connected to the distribution office 1123
, A content server 1134 connected to the content provider 1124, and an electronic commerce server 1135. The e-commerce server 1135 includes a database 1136 including at least company information, product information, and purchase history. Via the Internet 10,
Seller companies 1141, 1142, 114 that are corporate users
3 ... and the buyer companies 1151, 1152, 1153
Can access the anonymous e-commerce site 1130.

When the enterprise user participates in the anonymous electronic commerce site 1130 for the first time, the certificate authority 1120
The participation conditions are examined by the examination bureau 1121 via.
Participation conditions are, for example, corporate performance, sales, business history, and the like. The purpose is to exclude companies without payment ability, delivery ability, etc., and to construct a highly reliable e-commerce site. Only companies that meet certain screening conditions can conduct anonymous business transactions on the site. In other words, since the trading partner is anonymous, it is very risky to deal with a company that does not meet a certain participation standard. In order to carry out e-commerce. By adopting complete anonymity in such a so-called membership-based e-commerce system to the end, users of participating companies can be assured of anonymity, and can save time in making credit judgments of trading partners, thereby enabling efficient commercial transactions. It becomes possible to do.

The completely anonymous electronic commerce system according to the present invention is particularly useful for commerce of primary processed goods such as paper and paperboard, which have a certain level of quality and are stable. This is because in e-commerce, it is difficult to confirm the quality by holding all of the actual products in hand, so a certain level of quality is implemented in a situation where a common understanding is formed between the site owner and the participating users. Preferably. An example of completely anonymous electronic commerce of paper and paperboard will be described below.

In an electronic commerce site that implements such completely anonymous electronic commerce, the site owner can embody various forms of electronic commerce. The first preferred embodiment can be applied to a reverse auction (so-called reverse auction), and the second preferred embodiment is exchange (so-called matching. In a preferred embodiment, "bargain information" and "bargain market").
Also called. ).

In the present invention, “seller” is also called “supplier”, and “buyer” is also called “buyer” or “user”. In addition, the seller (supplier) does not only mean a person who has won (contracted) a successful bid or a business negotiation, but also includes other sellers who have participated in a business transaction. This includes not only the person who has closed (contracted) the business, but also other buyers who participated in the business transaction.

Completely Anonymized Telephone by Reverse Auction
The e-commerce the outline of the flow of the fully anonymous electronic commerce reverse auction is shown in FIG. The registered members satisfying the predetermined examination conditions can be classified into a buyer company and a seller company. In a preferred embodiment, the buyer company is, for example, an end user such as a publisher or a printer, or a paper wholesaler. In addition, seller companies include primary wholesalers, general trading companies, secondary wholesalers, and manufacturers (makers).

First, the buyer company has a completely anonymous trading site 1
Access is made to 130, and an item for purchase is ordered (step 201). At this time, in a preferred embodiment,
It is necessary to clarify the type, quantity, desired purchase price, dimensions, packing style, and destination of the paper. The order information is automatically transferred to the bidding information page 730 (see FIG. 19) at the trading site, and the information is made public. On the other hand, the seller company browses the order on the bidding information page 730 (step 202), views the conditions related to the order, and bids on the warehouse advance price (step 203).

FIG. 12 shows a flowchart of an example of the preferred embodiment of the negotiation. First, a buyer (user) sets a desired purchase price (step 302). Next, it is determined whether or not the desired selling price of the seller (supplier) is equal to or less than the desired purchasing price of the buyer (step 303). If the seller's desired selling price is higher than the buyer's desired selling price, another seller is searched (step 304). Next, it is determined whether another seller can be found (step 305). If no seller is found, the processing of steps 302 to 305 is repeated. If another seller is found in step 305, then the process proceeds to a competition state determination routine (step 306). If it is determined in step 303 that the seller's desired selling price is equal to or lower than the buyer's desired purchasing price, the process proceeds to a competitive state determination routine (step 306). Next, it is determined whether or not a plurality of sellers exist and are in a competitive state (step 30).
7). If there is a conflict, the process proceeds to a conflict resolution routine (step 308). The conflict resolution routine of the preferred embodiment compares the suggested selling prices of multiple sellers,
The seller offering the lowest price can be selected.
In another preferred embodiment, a specific seller can be determined by considering sales prices, quantities, delivery dates, etc. by individually negotiating with a plurality of sellers (step 30).
9). In step 307, if there is no race condition,
The seller is automatically determined (step 309).

As the negotiation progresses, the site operator informs the user of the amount obtained by adding the fare to the pickup price at the warehouse. On the other hand, at least the desired seller company can be notified of the progress of the bidding situation (step 204), and a notification service capable of increasing the possibility of a successful bid can be implemented (step 205). In a preferred embodiment, these notifications may be email notifications. At the end of the bidding period, a bid is concluded by winning the lowest bidder. As a result, the trading site 130
The buyer and seller are notified of the conclusion of the negotiation (step 206). Next, by instructing the contract logistics company, the site operator picks up the product from the designated location of the seller company (step 207) and delivers it to the destination (step 208). The seller issues a bill to the publisher, and the publisher bills the buyer (step 2).
09). The buyer company pays the publisher, and the publisher pays the seller company the fee minus the commission (step 210).

Anonymous electronic commerce by exchange
The outline of the flow of the fully anonymous electronic commerce by pulling the exchange shown in Figure 13. The registered members satisfying the predetermined examination conditions can be classified into a buyer company and a seller company.
As in the case of the reverse auction, in a preferred embodiment, the buyer company corresponds to, for example, an end user such as a publisher or a printing company, or a paper wholesaler. Seller companies are primary wholesalers, general trading companies, secondary wholesalers, and manufacturers (makers).
And so on.

First, the seller company has a completely anonymous trading site 1.
Access to 130, bargain of paper and paperboard
Information is presented (step 201). In a preferred embodiment, there may be no quality issues. At this time, the name and brand of the paper manufacturer are not necessarily clarified, but varieties, quantities, pickup prices at warehouses, dimensions, minimum order units, stock locations, and the like are clarified. In addition, it is preferable that information can be disclosed as a special matter why the product is a bargain (a bargain). The buyer company (user) can browse the disclosed information (step 402) and request a sample from the site operator if necessary (step 403). The site operator can send the sample to the requesting user (step 403). On the order display screen (850 described later) of the user member who is the buyer company, the total price including the distribution cost to the designated delivery location is displayed in addition to the item price. If there is an order from the user, the site operator receives an order.

FIG. 14 shows a flowchart of an example of the preferred embodiment of the negotiation. First, the seller (supplier) sets a desired selling price (step 502). Next, it is determined whether or not the desired purchase price of the buyer (user) matches the desired sales conditions of the seller (supplier) (step 50).
3). If the seller's desired purchase price exceeds the buyer's desired sale price, another seller is searched (step 504).
Next, it is determined whether another seller can be found (step 505). If no seller is found, go to step 5 above
Steps 02 to 505 are repeated. If another buyer is found in step 505, the process proceeds to a negotiation routine (step 506). In step 503, if the buyer's desired purchase price is less than the seller's desired sale price, the process proceeds to a negotiation routine (step 506). Then
The process proceeds to a product distribution routine (step 507), and it is determined whether or not a product remains (step 508). If the product is a child, the above steps 502 to 508
Is repeated. If no merchandise remains, the sale ends (step 509).

The negotiation proceeds in accordance with steps 501 to 509 of the exchange shown in FIG. 14 (step 40).
5), it is established with complete anonymity (step 406). In a preferred embodiment, the buyer company (user) can negotiate terms such as price and delivery date offered by the seller company in a fixed form. In still another preferred embodiment, negotiations can be performed using a predetermined form (character) prepared by a site operator, which allows more flexible negotiations without using a fixed form. The collection, delivery, and settlement of goods are the same as in the case of the reverse auction (steps 407 to 410). In the payment in another preferred embodiment, the payment can be accompanied by so-called trading finance. That is, the site operator sets a shorter usability (eg, 3 months or 90 days payment) with the seller company than the usability (eg, 4 months or 120 days payment) of the payment from the buyer company (user), For sellers, a one-month or thirty-day cash flow is effective, and the risk of bankruptcy can be reduced.

[0072]

In any of the above embodiments, a user of a participating company that satisfies a certain participation criterion is given a user account ID and a password by the certification authority 1120 and / or the examination authority 1121. Examination Bureau 1121
The authentication / credit server 11 authenticates the ID and password given to the participating company user and the company information of the participating company user.
31. Here, in a preferred embodiment, the site owner gives the participating company two different sets of the ID number and the password in advance, which are exclusively for the user and for the supplier.

The authenticated participating company user accesses a paper / paperboard electronic commerce site via the Internet 10. FIG. 15 shows an example of a start screen which can be confirmed on the information terminal device on the user side when accessing.
Shown in The screen 600 includes a page title portion 601,
The menu section 602 is included. In a preferred embodiment,
A buyer (user) can select a reverse auction 610 and a bargain market 611 in the menu section 602.

Example of Completely Anonymous Electronic Commerce by Reverse Auction The registration procedure of the buyer company (user) side
The user registers the information of the product he / she wants to purchase on the reverse auction site, and the supplier bids the information. The difference from regular auctions is that suppliers who offer lower prices win the auction.

When a reverse auction 610 is selected in the menu section 602, a start screen for participating in a completely anonymous electronic commerce in a reverse auction format is displayed on the information terminal device on the user side. FIG. 16 shows an example of a start page for confirming members. The registered user enters the user-specific ID number and password given in advance by the site owner in field 7
01 and field 702, and an "order" button 7
04 is selected and executed. Each of the buttons on the screen has an embedded execution command (embedded), and executes a predetermined event when executed. Buttons 704 to 706 included in the screen 700 have event commands for displaying a predetermined page embedded therein. In a preferred embodiment, these screens are
can be viewed on the display of a client computer equipped with a GUI (graphical user interface), such as the Windows ^™ operating system, and can be viewed on the screen using an input device such as a keyboard or mouse. It can be executed by selecting and executing a button (hereinafter, also referred to as “click”). In another preferred embodiment, other information terminal devices such as a so-called PDA (Personal Digital Assistant) or a mobile phone can be used instead of the client computer.
When a user-specific ID number and password are input, a “bid” button 705 and a “re-bid” button 706
Clicking returns an error and cannot be executed.

By selecting an “order” button 704 and executing a command embedded in the button, an order page 710 can be displayed. FIG. 17 shows an example of the order page. Here, an example of a screen of completely anonymous electronic commerce relating to paper and paperboard is shown. The user enters necessary information for each item regarding the paper to be ordered. Of these items, predetermined items are required input items, but other predetermined items are optional input items. In a preferred embodiment, the paper maker name, paper brand name, and desired purchase price (upper limit) can be arbitrary input items. Other items may be required input items. FIG. 17 shows an example in which a user (buyer) inputs in a field on the screen 710 a case where he wants to purchase 300 reams of high quality paper of 55 kg in $ 46 / kg. The user enters necessary items in the predetermined items, and then clicks an “order” button 713. Next, a page for order confirmation 720 is displayed. FIG. 18 shows an example of the order confirmation page. If there is no difference in the contents of the order, the user clicks on “confirm” button 721 to end the ordering operation. When the order is completed, the contents of the order are automatically transferred to the bidding information page 730.

[0077] Bidding on the seller company (supplier) side
Tag) Procedure Completely anonymous Paper and paperboard suppliers participating in the e-commerce reverse auction are listed in the menu section 602 in FIG.
, The reverse auction 610 is selected. A start screen for participating in the completely anonymized electronic commerce in the reverse auction format is displayed on the information terminal device on the seller (supplier) side (FIG. 16). Here, the supplier-specific ID number and password are entered in each field 701.
And 702, and click a "bid" button 705. Next, the bidding property index page 730 is displayed. FIG. 19 shows an example of a bid property index screen
Shown in If there is a property that the seller wants to bid on, screen 73
0 can be selected from the top and the product name can be clicked. For example, when "high quality paper" is selected, a screen 740 of an individual property as shown in FIG. 20 is displayed. The seller company can make a bid by clicking the bid button 741 on this page. Bid button 74
By clicking 1, a bid screen is displayed.
FIG. 21 shows an example of the bid page. The seller company enters a bid price, a company name, an ID number, a password, a person in charge, a product storage location, and the like in each field 751, and clicks a confirmation button 752. Next, the bid confirmation screen 76
0 is displayed. FIG. 22 shows an example of the bid confirmation screen.
The seller company confirms the contents described on the screen 760 and, after confirming that there is no difference from the items described on the bid screen 750, clicks the confirmation button 761 to complete the bidding. The site operator can send a notification to confirm whether or not the winning bid has changed at a predetermined time before the end of the bidding. In a preferred embodiment, the predetermined time is two hours, which can be arbitrarily set and changed by the site operator. Preferably, the means for notification is an e-mail. The seller who has received the confirmation notification accesses the trading site 130 and clicks the reverse auction 610 on the initial screen 600. The other side 700 shown in FIG. 16 is displayed, an ID number and a password are input, and a rebid button 706 is clicked. Next, a re-bid screen 770 in which the previously bid items are described is displayed. FIG. 23 shows an example of the rebid screen. Here, if the seller wants to change the bid price, the seller only rewrites the price and clicks the “confirm” button 771. Next, a re-bid confirmation screen 780 is displayed. FIG. 24 shows an example of the rebid confirmation screen. Check if there is any error in the description including the change, and if there is no difference, click the confirmation button 781.
Complete the rebid.

According to the above procedure, the seller company that has offered the lowest price will make a successful bid. The site operator notifies all seller companies that have made a bid of the result of the successful bid. The seller company that has made a successful bid is notified of details such as the date and time of collection. The bidding buyer company (user) is notified of the amount of the successful bid and that the delivery will be performed as instructed.

Example of Completely Anonymous Electronic Commerce by Exchange Registration Procedure of Seller Company (Supplier) Side Anonymous e-commerce by exchange involves registering a product that the seller company wants to sell and its sale price on the bargain information site 430. On the other hand, in this system, a buyer company (user) purchases a desired product if there is a desired product. At that time, it is preferable that the price, quantity and delivery date presented by the seller company can be negotiated directly on the site.

When the bargain market 611 is selected in the menu section 602 of FIG. 15, a start screen for participating in an exchange-type fully anonymous electronic commerce is displayed on the information terminal device on the seller (supplier) side. FIG. 25 shows an example of a start page for confirming members. As in the case of the reverse auction, the registered supplier inputs a supplier-specific ID number and password given in advance by the site owner into the fields 801 and 802, and clicks a “register” button 805. The programmatic features of the buttons on the screen are the same as those described for the reverse auction item above. Therefore, an event embedded in the button can be executed by overlaying and clicking (selecting and executing) the cursor on the button on the screen with an input device such as a keyboard or a mouse. In addition, an error is displayed unless a “registration” button 805 is clicked when the supplier-specific ID number and password are input, and a “view property” button 804 is clicked when the user-specific ID number and password are input. Preferably, the screen is not changed.

By clicking a “register” button 805, a registration page 810 can be displayed. FIG. 26 shows an example of the registration page. The seller company fills in each field 811 with necessary items for the paper to be registered. As with the reverse auction described above,
Of these items, predetermined items are required input items, but other predetermined items are optional input items. In a preferred embodiment, the paper manufacturer name and paper brand name can be any input items. Other items may be required input items. FIG. 26 shows an example in which a seller (supplier) wants to sell high quality coated paper 100MT ^{(* Note )} at $ 105 / kg in each field on the screen 810. (*
Note: 100MT refers to the total volume you want to sell, but is not necessarily a unit of one transaction. After the seller fills in the required items in the above specified items, "Register"
A button 812 is clicked. Next, a registration confirmation page 820 is displayed. Figure 2 shows an example of the registration confirmation page.
FIG. Seller confirms if there is no difference in registration contents
Clicking button 821 ends the registration operation. When the registration is completed, the registered content is automatically transferred to “Bargain Market Index” page 830 (see FIG. 28).

Buyer (User) Side Order Procedure The buyer company user participating in the completely anonymous e-commerce exchange selects the bargain market 611 in the menu section 602 of FIG. A start screen for participating in the exchange-type fully anonymous electronic commerce is displayed (FIG. 25). Here, the user-specific ID number and password are entered in the fields 801 and 802, and the “view property” button 804 is clicked. Next, a bargain index page 830 is displayed. FIG. 28 shows an example of the bargain product index screen. The buyer company user can select a property to be purchased from the screen 830 and click a product name. For example, when "high quality paper" is selected, a screen 840 of an individual property as shown in FIG. 29 is displayed. To order a physical sample of paper before placing an order, click the “Request Sample” button 84.
1 can be clicked. Request sample button 841
By clicking, a notification of “a request for a sample” is sent to the site operator. At this stage, the request for the sample is sent to the member registered in advance with the ID number and the password without the name of the person in charge. The buyer company user can prepare for ordering by clicking the order button 842 on this page 840. By clicking order button 842, bargain market order screen 850 is displayed. FIG. 30 shows an example of the order page. The buyer company has 851
Enter the purchase quantity, purchase price, delivery date and time, delivery location, ordering company name, department name, person in charge, etc. To purchase at a price determined by the seller company in advance, click the "Purchase"
Click 53. To negotiate a price, a “negotiation” button 852 is clicked. Then, an email dialog is activated (not shown) and the desired price can be filled in and sent. The e-mail is sent to the seller company via the trading site 430. The seller company replies to the email it receives. Regarding this negotiation, it is preferable that each company cannot be identified by using a fixed form in which only the price, quantity and delivery date can be entered. Preferably, the site operator can impose a limit on the number of negotiations using this email. If negotiations are completed in terms of conditions, a “buy” button 853 is clicked on the bargain market ordering screen 850. Next, an order confirmation screen 860 is displayed.
Is displayed. FIG. 31 shows an example of the order confirmation screen. The buyer company checks the contents of the screen 860, and
After confirming that there is no difference from the items described in 50, the order is completed by clicking a confirmation button 861. Once the negotiations have been concluded, the site operator notifies the bargain market registered supplier of the purchase quantity, price, and pick-up date and time, and urges preparations for shipment and prevents other shipments. Further, it is preferable that when the contract is made, the quantity is automatically subtracted from the registered quantity and presented.

Example of Collection / Delivery and Settlement Collection / delivery (delivery) and settlement are the reverse auction site and the second preferred embodiment which are the first preferred embodiment.
In a bargain information site (exchange) which is a preferred embodiment of the present invention, the processing can be performed in the same procedure.

After the conclusion of the delivery negotiation, the site operator informs the contracted logistics company 123 of the user name and the supplier name, the delivery date, the place where the product is to be picked up and delivered, the product name, the rice tsubo, the dimensions, the unit weight, the number of units (rewinding). In the case of (1), the number of one winding station and the required number of windings are notified. The distribution company 123 picks up the product at the supplier's warehouse in time for the delivery date. Inform suppliers of the shipping company and car number to be picked up in advance. That is, even at the time of this delivery, both the buyer and the seller are kept secret from each other. Basically, the pick-up date and the delivery date are preferably the same. After receipt, deliver to the designated delivery destination on time.

It is preferable that the settlement is calculated based on the delivery of the product. In the case of the above reverse auction, which is the first preferred embodiment, for example, even if a product is picked up from a supplier on May 19, it is delivered to a user-specified delivery destination on May 20. In this case, May 20 is the accounting date. The payment is closed on May 31 at the end of the month, and the payment is executed after a certain period (for example, three months) has passed (August 31).

In principle, payment and settlement of payments are executed on the same day, and are performed by bank transfer. The user pays the site operator an amount obtained by adding a consumption tax to the transaction completion amount (for example, 161.7 million yen). To the supplier, the site operator pays an amount obtained by adding a consumption tax to an amount obtained by subtracting a fixed commission (for example, 3%) from the transaction completion amount (for example, 161.7 million yen).

Preferred Embodiment of Real-Time Credit Information Search FIGS. 32 to 37 are schematic diagrams of a user terminal screen for providing a real-time credit information search service using a credit judgment system according to a preferred embodiment of the present invention. FIG. 32 shows an example (3200) of an initial input authentication screen of a terminal that can be presented to a user using a real-time credit information search service using the credit judgment system according to the present invention. The input terminal screen is a graphical user interface (GU) that supports not only a keyboard but also a pointing device such as a mouse.
It is preferred to be constituted by I). A user who uses the real-time credit information search service enters a predetermined user ID in a field 3210 using a predetermined input device.
A predetermined password is input in a field 3220. After inputting the predetermined items, the user agrees to the terms of use and clicks the button 3230 to use the service.
If the user does not agree with the use conditions and does not use the service, the user clicks button 3240.

The credit judgment system according to the present invention has a company information database system for storing company information of a user company. FIG. 33 shows an example of a predetermined company profile of the user displayed after the user clicks the button 3230 (3300). The displayed company outline is predetermined information among the information stored in the company information database. In a preferred embodiment, the user can correct the company profile displayed in field 3310 on the screen. It is preferable that the user company information corrected by the user terminal can be reflected in the user information database in real time. The user
If the user browses the company outline and does not need any more services, the user can click the button 3320 to return to the previous screen 3200. If the user wants to use the real-time credit information search service based on the company profile, he can click the confirmation button 3330. If the user wants to use the real-time credit information search service based on the accounting information more detailed than the company outline, the user can click the details button 3340.

FIG. 34 shows that the user presses the detail button 334.
An example of the detailed accounting information input screen displayed when 0 is clicked is shown (3400). The user can input necessary items for predetermined items such as a balance sheet on the screen 3400 in order to use a more accurate real-time credit information search service. In a preferred embodiment, the actual amount can be entered. In yet another embodiment, the ratio of each item to total assets and total liabilities can be entered. After inputting necessary items for each item, a confirmation button 3420 can be clicked to use a more accurate real-time credit information search service. If a real-time credit information search service is used based on an existing company profile without inputting specific accounting information, a screen 3300 can be displayed by clicking a button 3410.

FIG. 35 shows a case where the user clicks the confirmation button 3330 on the screen 3300 or the screen 340
An example of a credit-destination input screen displayed when the confirmation button 3420 is clicked at 0 is shown (3500). The user can input a predetermined ID code of the credit company. In a preferred embodiment, the Tokyo Shoko Research (TS
R) Company code can be used. In yet another embodiment, the user can directly enter or select a company name registered in a predetermined database. The user may also enter a desired transaction limit with the creditor company in field 3520. Further, the user can specify a form of buying and selling with the creditor company. In a preferred embodiment, a predetermined trade form is displayed in a list 359.
0, and the user can select an arbitrary trading form. In a preferred embodiment, an input field 3530 can be provided on the screen where the desired transaction limit can be calculated. As an example of the input field, reference numeral 353
As shown at 0, the user can enter a “monthly sales” field 3540 and a “collected months” field 3550. After the user has entered the desired values in the above items, field 3560 can be programmed to display the results of performing the calculations between the fields. In a preferred embodiment, the desired transaction limit field 3560 includes a monthly sales field 3540.
And can be programmed to display the product of the values entered in the Payback Months field 3550, respectively.
After inputting the credit company and the desired transaction limit with the credit company, the user can click the confirmation button 3580 to proceed to the next step. If the user does not want the service to proceed, the user can return to the previous screen 3300 or 3400 by clicking the button 3570.

FIG. 36 is displayed when the user clicks confirmation button 3580 on screen 3500.
An example of a screen displaying search results and calculation results of the real-time credit information search service is shown (3600). As an example of the search result, a summary 3610 of the credit company can be displayed. In the field 3620, the result of the credit judgment can be ranked and displayed. In a preferred embodiment, it is possible to display (3625) how the evaluated rank is likely to be compared to the rank of the previous evaluation. In addition, it is possible to clearly indicate the order of the creditor company in the industry, and in a preferred embodiment, it is possible to specify using the graph 3655. In addition, field 3630
Can display the recommended limit frame of the transaction calculated by this system. Also, field 352 of screen 3500
The desired transaction limit frame entered by the user at 0 is displayed on screen 3600.
Can be displayed in the field 3640, and can be presented to the user in comparison with the recommendation limit frame.

Further, the field 3650 can display a coin rate which is a guide for judging that it is at least necessary. In a preferred embodiment, the change rate is given by the following equation (1):
Can be obtained by the relational expression shown in FIG. Minimum coinage rate = d + capital cost rate + expense rate (1) Here, d is the bankruptcy probability corresponding to each rank obtained by the present system. The bankruptcy probability is calculated from the rank using a statistical method, and is preferably set within a range of 0.05% to 10%. The capital cost rate may use a predetermined industry average value in a preferred embodiment. In another preferred embodiment, it can be determined by the following relational expression (2). Capital cost ratio = (equity capital x α + interest rate paid) / (borrowings + equity capital) And preferably 2.0%. The expense ratio may use a predetermined industry average value in a preferred embodiment. In another preferred embodiment, it can be determined by the following relational expression (3). Expense ratio = SG & A expenses / Sales (3)

Further, a transaction target can be displayed in the field 3660. Here, the transaction target can be obtained by a relational expression as shown in the following expression (4) in a preferred embodiment. Transaction target amount = (recommended limit in field 3630-desired limit in field 3640) / collection period 3550 (4) Here, if the recommended limit is larger than the desired limit,
Since the transaction target amount is positive, the transaction expansion target can be presented. Conversely, if the recommendation limit is smaller than the desired limit, the transaction target amount will be negative and the transaction reduction target amount must be presented. become. By presenting the minimum required change rate and the transaction target as described above to the user, real-time credit information consulting becomes possible. Further, in a preferred embodiment, in addition to providing the numerical values, an appropriate comment may be displayed in field 3670. It is preferable to display a comment registered in advance according to the minimum required coinage rate and the value of the transaction expansion target amount. In another preferred embodiment, a centralized credit management display 3675 can be displayed. Centralized credit management refers to granting a high rate of credit under predetermined conditions when the creditor company is an important business partner. In this case, it is necessary to constantly monitor the business conditions of the business partner and perform management so that countermeasures such as rationalization cooperation, support cooperation, business participation or suspension of business, withdrawal, etc. can be taken immediately even if the credit situation worsens. There is. In a preferred embodiment, if the user's monthly sales volume is greater than 15% of the credit company's monthly sales (ie, 15% of the creditor's monthly sales are sold in a month), Is referred to as a concentrated creditor.
In such a situation, the credit management system according to the present invention can display an alert “Centralized management is required” 3675.

In still another embodiment, in addition to providing such a single piece of credit information, it is possible to manage and present comparatively a plurality of pieces of credit destination company information. By clicking the portfolio button 3690 on the screen 3600, the user can compare a plurality of creditor company information if desired. If comparison information of a plurality of creditor company information is not desired, the user can click the button 3680 to return to the previous screen 3500. FIG. 37 shows an example of the customer portfolio management screen displayed after the user clicks the button 3690 (3700).
In the preferred embodiment, a portfolio for each trading type can be presented on the screen. The portfolio management includes the name, rank, rank trend,
The presence or absence of centralized management, recommended limit, desired limit, remaining credit, renewal date, and predetermined follow-up items can be set as management items. Here, the predetermined follow-up items refer to items such as a change in the president of the creditor company, a change in the main bank, a capital increase, a funding, and a change in company name. By providing these follow-up items to the user by real-time or daily batch processing, higher quality portfolio management can be provided. In a preferred embodiment, the user clicks button 3720 to sort the credit companies by rank evaluated by the system, clicks button 3730 to sort credit companies by limit, or , Button 374
By clicking 0, it is possible to sort the creditor companies in the order of the update date. Further, it is preferable that the user can freely change the desired limit and the value of the remaining credit. If you want to return to the information search of each creditor company, press button 3
By clicking 750, it is possible to return to the previous screen 3600. Also, if the user wants various financial services in e-commerce with the creditor company,
Button 3760 can be clicked.

Financial Services in Electronic Commerce In yet another embodiment, various financial services can be provided to a user in electronic commerce according to the present invention. FIG. 38 shows an example of a terminal-side screen provided with a user interface that allows a user to select a financial service when performing electronic commerce with a creditor company (380).
0). In a preferred embodiment, the user can click a button 3810 displaying the desired financial service. Further, in selecting a predetermined financial service, it is possible to set specific conditions. In a preferred embodiment, a user interface 3820 can be provided that lists certain conditions in advance, and the user can select one or more conditions via an input device. FIG. 38 shows an example in which three conditions of “want to lower the risk of the entire customer portfolio”, “better rates are lower than the risk hedging amount”, and “want to avoid complicated procedures” are selected.

[0096]

By performing the above-mentioned credit judgment in real time using the system according to the present invention, a large-scale B-to-B margin transaction can be performed while maintaining security and anonymity. Further, by managing the portfolio of a plurality of creditee companies, a higher quality credit judgment service can be provided. In particular, by providing predetermined credit company information updated substantially in real time or on a daily basis, a more flexible credit judgment service can be provided. In addition, various financial services can be provided when conducting business transactions with creditworthy companies managed by the portfolio.

[Brief description of the drawings]

FIG. 1 shows a schematic block diagram of a credit determination system according to a preferred embodiment of the present invention.

FIG. 2 shows a schematic block chart illustrating a method of credit determination according to a preferred embodiment of the present invention.

FIG. 3 is a block diagram illustrating a method for determining a selling limit of an e-commerce transaction according to a preferred embodiment of the present invention.

FIG. 4 is a block diagram illustrating a method for determining a buying limit for e-commerce according to a preferred embodiment of the present invention.

FIG. 5 is a block diagram illustrating a method of adjusting a rank of a buy limit of an e-commerce transaction according to a preferred embodiment of the present invention.

FIG. 6 shows a transaction flow of electronic commerce according to a preferred embodiment of the present invention.

FIG. 7 illustrates a model of e-commerce according to another preferred embodiment of the present invention.

FIG. 8 illustrates a model of e-commerce according to another preferred embodiment of the present invention.

FIG. 9 is a block diagram illustrating a method of determining a buy limit in an e-commerce model according to another preferred embodiment of the present invention.

FIG. 10 is a schematic diagram of a network system in which an anonymous electronic commerce system according to a preferred embodiment of the present invention functions.

FIG. 11 is a schematic diagram of a transaction between a reverse auction site and a participant.

FIG. 12 is a flowchart of a reverse auction establishment process.

FIG. 13 is a schematic diagram of a transaction between an exchange site and a participant.

FIG. 14 is a flowchart of an exchange establishment process.

FIG. 15 is a schematic diagram of a top page of a completely anonymous electronic commerce site according to the present invention.

FIG. 16 is a schematic diagram of a member confirmation page for participating in a reverse auction.

FIG. 17 is a schematic diagram of a user-side order page in a reverse auction.

FIG. 18 is a schematic diagram of a user-side order confirmation page in a reverse auction.

FIG. 19 is a schematic diagram of a bidding property page on the supplier side in a reverse auction.

FIG. 20 is a schematic diagram of an individual property page on the supplier side in a reverse auction.

FIG. 21 is a schematic diagram of a supplier side bidding page in a reverse auction.

FIG. 22 is a schematic diagram of a bid confirmation page on the supplier side in a reverse auction.

FIG. 23 is a schematic diagram of a supplier-side rebid page in a reverse auction.

FIG. 24 is a schematic diagram of a rebid confirmation page on the supplier side in a reverse auction.

FIG. 25 is a schematic diagram of a member confirmation page for participating in a bargain market.

FIG. 26 is a schematic diagram of a registration page on the supplier side in the bargain market.

FIG. 27 is a schematic diagram of a registration confirmation page on the supplier side in the bargain market.

FIG. 28 is a schematic diagram of a user-side index page in a bargain market.

FIG. 29 is a schematic diagram of a user-side individual property page in a bargain market.

FIG. 30 is a schematic diagram of a user-side order page in a bargain market.

FIG. 31 is a schematic diagram of a user-side order confirmation page in a bargain market.

FIG. 32 shows an example of a user authentication screen of a real-time credit information search service according to a preferred embodiment of the present invention.

FIG. 33 shows an example of a screen displaying an outline of a user company of the real-time credit information search service according to the preferred embodiment of the present invention.

FIG. 34 shows an example of a screen displaying more detailed user company overview and financial information of the real-time credit information search service according to the preferred embodiment of the present invention.

FIG. 35 shows an example of a screen for inputting transaction conditions with a creditor company in the real-time credit information search service according to the preferred embodiment of the present invention.

FIG. 36 shows an example of a screen displaying credit information of a credit company in a real-time credit information search service according to a preferred embodiment of the present invention.

FIG. 37 shows an example of a portfolio management service screen of a creditor company in a real-time credit information search service according to another preferred embodiment of the present invention.

FIG. 38 shows an example of a screen for providing various financial services in electronic commerce according to still another preferred embodiment of the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 10 ... Internet 20 ... EC risk management site 30 ... Corporate database 40 ... Certificate authority 51, 52, 53 ... Seller 61, 62, 63 ... Buyer 81 ... Anxiety information / complaint data 83 ... Corporate data 84 ... Payment data 100, 110 ... Credit judgment system 111, 112, 113 ... User 120 ... Corporate data 1120 ... Authentication Bureau 1121 ... Examination Bureau 1122 ... Payment Bureau 1123 ... Distribution Bureau 1124 ... Content Provision Bureau 1130 ... Transaction Site 1131 ... Authentication / Credit Server 1132 ... Payment Server 1133 Distribution server 1134 Content server 1135 Electronic commerce server 1136 Database 3210, 3220 .. Input field for providing user information to user authentication means 3310 ... User company information specified by user information specifying means 3400 ... User company information correctable from user side terminal 3510 ... Credit company specification Credit company information input field for providing information to the means 3520 ... desired transaction limit input field 3540 ... monthly business input field 3550 ... collection month number input field 3610 ... credit company information 3620 ... Rank display field 3630 Recommended limit display field 3640 Desired limit display field 3650 Minimum requisition rate display field 3660 Transaction target display field 3670 Credit evaluation comment display field 3710 ・ ・ ・ Creditee portfolio Management screen 3720, 3730, 3740: Sort button 3800: Financial service provision screen 3810: Financial service selection button 3820: Financial service application condition list

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 416 G06F 17/60 416 504 504 (72) Inventor Taichi Fujimoto 2-4 Akasaka, Minato-ku, Tokyo No. 5 Nissho Iwai Co., Ltd. (72) Inventor Toru Shimizu 2-4-5 Akasaka, Minato-ku, Tokyo Nissho Iwai Co., Ltd. F-term (reference) 5B049 BB11 CC05 CC08 EE00 GG00 5B055 CC00 CC11 EE27 FA00 FB00 JJ00

Claims (43)

[Claims] Claims: 1. A business transaction credit system which enables a business transaction on a site constructed on a computer network, wherein a person who intends to newly participate in a transaction or a seller on the site satisfies predetermined conditions. A transaction authenticating means for authenticating as a trader if the trader has a rank of the trader based on predetermined company data relating to the certified trader, including at least one of capital, sales and business history. And a transaction limit setting means for setting a transaction limit of the commercial transaction of the trader based on the rank set by the rank setting means. system. Means for restricting the commercial transaction when the amount of the commercial transaction exceeds the transaction limit of a seller or a buyer of the commercial transaction. The credit system according to claim 1, wherein a warning is issued to the seller or the buyer, or the commercial transaction is stopped. 3. A transaction data management means for organizing and managing predetermined transaction data relating to past transactions on the site with respect to the authenticated trader, and managing the transaction data when determining the rank. 3. The credit system according to claim 1, wherein the transaction data managed by a means is referred to and considered according to a predetermined condition. 4. The transaction data includes claim information on the trader regarding whether or not there has been any claim in the commercial transaction, bankruptcy information on the trader, information on mishandling of a bill involving the trader, and trader involvement. 4. The system according to claim 3, wherein the information includes at least one of information on foreclosure and information on anxiety about the trader as to whether or not there is any indication of deterioration of business.
Credit system described in. 5. The transaction data includes information relating to the payment behavior of the trader in the commercial transaction, and the transaction data management means checks the information relating to the payment behavior of the trader at predetermined time intervals, and The credit system according to claim 3, wherein the credit system is adapted to reflect the data. 6. The credit system according to claim 1, wherein said company data is evaluated numerically, and said rank is determined based on the numerical evaluation. 7. The system according to claim 1, wherein the rank of a trader who has performed the business transaction more than a predetermined number of times within a predetermined period of time properly based on the transaction data is changed to a higher rank. 3. The credit system according to 2. 8. The system according to claim 1, wherein said rank of a trader who has made a business transaction of delayed payment for a predetermined number of days or more within a predetermined period is changed to a lower rank based on said transaction data. Or the credit system according to 2. 9. The transaction restricting means, based on the transaction data, executes a transaction on the site of a trader who has performed at least two or more predetermined times of delayed payment transactions for a predetermined number of days or more within a predetermined period. The credit system according to claim 8, wherein the credit system is configured to stop. 10. The credit system according to claim 3, wherein the transaction limit is determined based on a trader's average monthly sales and numerical evaluation of the company data. 11. The method according to claim 11, wherein the commercial transaction restricting means is configured to prohibit a commercial transaction exceeding a transaction limit of a low-value trader when a transaction limit of a seller and a purchaser of the commercial transaction are different. The credit system according to claim 2, wherein 12. A business transaction credit method for enabling a business transaction on a site constructed on a computer network, wherein a person who intends to newly participate in a transaction or a seller on the site satisfies predetermined conditions. Certify as a trader if the trader has established the rank of the trader based on predetermined company data including at least one of capital, sales and business history regarding the certified trader; A transaction credit method, wherein a transaction limit of the transaction of the transaction is set based on a rank. 13. The method according to claim 13, wherein said transaction is restricted when a value of said transaction exceeds a transaction limit of a seller or a buyer of said transaction, a warning is issued to said seller or buyer, or said transaction is stopped. Item 13. The credit method according to Item 12. 14. The site owner can identify at least a name including a company name of a person involved in the commercial transaction. By specifying a trader by a specific identification sign in the site, a buyer or a seller can select the trader. The business transaction is conducted anonymously according to the above (1).
14. The credit method according to 2 or 13. 15. A method according to claim 15, further comprising the step of: authenticating as a trader if a seller or a buyer who intends to newly participate in a business transaction via a computer network satisfies predetermined conditions; Setting a rank of the trader based on predetermined company data including at least one of money, sales and business history, and setting a trade limit of the trade of the trader based on the rank. A method of distributing program data for providing a computer network with a signal representing a program to be carried on a carrier wave. 16. A program comprising the steps of: restricting a transaction, issuing a warning to the seller or the buyer, or stopping the transaction when the value of the transaction exceeds the transaction limit of the seller or the buyer of the transaction. The method according to claim 15, wherein the signal representing the signal is provided on a carrier wave and provided to a computer network. 17. A method according to claim 17, further comprising the steps of: authenticating as a trader if a seller or a buyer who intends to newly participate in a business transaction via a computer network satisfies predetermined conditions; Setting a rank of the trader based on predetermined company data including at least one of money, sales and business history, and setting a trade limit of the trade of the trader based on the rank. A recording medium on which at least a part of the program data is recorded. 18. The method according to claim 18, further comprising the step of restricting the transaction when the value of the transaction exceeds the transaction limit of the seller or the buyer, issuing a warning to the seller or the buyer, or stopping the transaction. A recording medium on which at least a part of the program data according to claim 17 is recorded. 19. A method according to claim 19, further comprising the steps of: authenticating as a trader when a seller or a buyer newly participating in a business transaction via a computer network satisfies predetermined conditions; Setting a rank of the trader based on predetermined company data including at least one of money, sales and business history, and setting a trade limit of the trade of the trader based on the rank. A transmission medium for transmitting at least a part of the program data. 20. Restricting the commercial transaction if the amount of the commercial transaction exceeds the transaction limit of the seller or the buyer of the commercial transaction,
2. The method according to claim 1, further comprising the step of issuing a warning to the seller or the buyer or stopping the commercial transaction.
10. A transmission medium for transmitting at least a part of the program data according to 9. 21. A business transaction system which enables anonymous business transactions, wherein a person who newly tries to participate as a seller or a buyer in a business transaction on a site constructed on a computer network accessible from a plurality of information terminal devices is provided. An authentication unit that authenticates as a trader when a predetermined condition is satisfied; and an information disclosure / browsing unit that enables the authenticated trader to publish and browse product information anonymously. When a commercial transaction is established based on the product information published and browsed on the site, a notification means for anonymously notifying a person who has participated in the transaction that the commercial transaction has been established, and securing anonymity from the seller to the buyer. A delivery means for delivering the product for which the commercial transaction has been established; and a settlement means capable of performing commercial transaction settlement while securing the anonymity of the buyer and seller information. Anonymous commerce system having a. 22. A business transaction method for enabling anonymous business transactions, wherein a person who newly tries to participate as a seller or a buyer in a business transaction on a site constructed on a computer network accessible from a plurality of information terminal devices is provided. If the predetermined conditions are satisfied, the authenticated trader authenticates as a trader, and the authenticated trader publishes, on the site, product information desired to be purchased as an anonymous buyer, and the authenticated trader Browsed the published product information on the site as an anonymous seller and, if a commercial transaction was established based on the product information published and browsed on the site, participated in the transaction anonymously to the effect that the commercial transaction was established To the buyer, take over the merchandise for which the commercial transaction has been completed while securing anonymity from the seller, and provide the buyer with the product, for which the commercial transaction has been established, while maintaining anonymity. And goods, while ensuring the anonymity of the buyer and seller information, anonymous commerce method characterized by the settlement of transaction. 23. The commercial transaction comprises: (a) setting a desired price of a product desired to be purchased as an anonymous buyer; (b) publishing product information desired to be purchased as an anonymous buyer on the site; ) Browse the published product information on the site as an anonymous seller, (d) if you want to sell among the published product information, the seller anonymously presents the desired selling price, (e) It is determined whether the seller's desired selling price is equal to or less than the buyer's desired selling price. (F) In step (e), if the seller's desired selling price exceeds the buyer's desired selling price, search for another seller. (G) If the other seller is not found, repeat the processing of steps (a) to (f) until a seller is found.If the other seller is found, go to step (i), h) In step (e), the seller's desired selling price is If it is less than the desired purchase price of the hand, proceed to step (i), (i) further determine whether there is a competing seller who has offered the desired sale price of less than the buyer's desired purchase price, (j) step (i) In the case of a competitive situation, the process proceeds to a conflict resolution routine in which the seller who has offered the lower price is awarded, and then the commercial transaction is established. (K) In step (i), if the competitive status is not established, the commercial transaction is established. 23. The anonymous commercial transaction method according to claim 22, further comprising the step of: 24. A business transaction method which enables anonymous business transactions, wherein a person who newly tries to participate as a seller or a buyer in a business transaction on a site constructed on a computer network accessible from a plurality of information terminal devices is provided. When a predetermined condition is satisfied, the user is authenticated as a trader, the authenticated trader publishes product information provided as an anonymous seller on the site, and the authenticated trader is anonymous. Browsing the published merchandise information on the site as a buyer according to, if a commercial transaction is established based on the merchandise information published and browsed on the site, a person who participated in the transaction anonymously to the effect that the commercial transaction was established The seller also takes over the products for which the commercial transaction has been completed while ensuring anonymity from the seller, and delivers the products for which the commercial transaction has been completed to the buyer while maintaining the anonymity. While ensuring the anonymity of the buyer and seller information, anonymous commerce method characterized by the settlement of transaction. 25. The commercial transaction comprises: (a) setting a desired price of a product desired to be sold as an anonymous seller; (b) publishing information on a product desired to be sold as an anonymous seller on the site; (B) browsing the published product information on the site as an anonymous buyer, (d) if the buyer wishes to purchase among the published product information, the buyer anonymously presents the desired purchase price, (e) It is determined whether the buyer's desired price is equal to or less than the buyer's desired price. (F) In step (e), if the buyer's desired price is lower than the seller's desired price, another buyer is searched. (G) If the other buyer is not found, repeat steps (a) to (f) until a buyer is found.If the other buyer is found, go to step (i), ( h) In step (e), the buyer's desired purchase price is If the price is equal to or higher than the desired selling price of the hand, the process proceeds to step (i). In step (i), if it is a competitive state, it goes to step (l) after going through a conflict resolution routine in which a buyer who has offered a higher price is awarded.
(l), (l) judge whether the seller still wants to sell the product, and (m) in step (l), if the product still remains, go to steps (a) to (l). 25. The anonymous commercial transaction method according to claim 24, wherein the process is repeated, and (n) in step (l), at least the step of terminating the sale if there is no remaining product is provided. 26. The commercial transaction comprises: (a) setting a desired price of a product desired to be sold as an anonymous seller; (b) publishing product information desired to be sold as an anonymous seller on the site; (B) browsing the published product information on the site as an anonymous buyer, (d) if the buyer wishes to purchase among the published product information, the buyer anonymously presents the desired purchase price, (e) It is determined whether the buyer's desired price is equal to or less than the buyer's desired price. (F) In step (e), if the buyer's desired price is lower than the seller's desired price, another buyer is searched. (G) If the other buyer is not found, repeat steps (a) to (f) until a buyer is found.If the other buyer is found, go to step (i), ( h) In step (e), the buyer's desired purchase price is If the price is equal to or higher than the desired selling price of the hand, the process proceeds to step (i). In the case of a competitive situation, the seller and a plurality of competing buyers individually determine a specific buyer by conducting business negotiations, and then proceed to step (l). (K) In step (i), the competitive situation is determined. Otherwise step
(l), (l) judge whether the seller still wants to sell the product, and (m) in step (l), if the product still remains, go to steps (a) to (l). 25. The anonymous commercial transaction method according to claim 24, wherein the process is repeated, and (n) in step (l), at least the step of terminating the sale if there is no remaining product is provided. 27. In the step (d), before requesting a purchase and placing an order from the published product information, anonymously requesting a sample of the product, and then the buyer anonymously presenting the desired purchase price. The anonymous commerce method according to claim 25 or 26, characterized in that: 28. The anonymous commercial transaction method according to claim 22, wherein in said settlement, usability to said anonymous buyer can be set longer than usability to said anonymous seller. 29. A credit system for providing credit information of a company to a user terminal on a site constructed on a computer network, wherein the user for permitting the user terminal to access the credit information on the site. Authentication means; user information specifying means for specifying company information of the user permitted by the user authentication means; credit company specifying means for specifying at least one credit company; and the specified credit company A credit information display means for displaying the company information of the user; and a desired transaction limit input means capable of inputting a desired transaction limit amount in the commercial transaction with the specified credit company from the user-side terminal. By comparing the desired transaction limit entered from the side with the company information of the specified creditor company,
A credit system for providing a determination of the safety of a commercial transaction to a user terminal in substantially real time. 30. The apparatus according to claim 30, wherein said user information specifying means further comprises a user information correcting means which allows the user authenticated by said user authenticating means to directly correct user company information from a user terminal. Item 30. The credit system according to Item 29. 31. The desired transaction limit input means includes means for inputting at least monthly sales and the number of collection months, and inputs a desired transaction limit obtained from the product of the monthly sales and the number of collection months. 3. The method according to claim 2, wherein
31. The credit system according to 9 or 30. 32. A bankruptcy probability evaluation means for evaluating a bankruptcy probability of a credit-receiving company based on the rank set by the rank setting means, wherein at least the bankruptcy probability obtained by the bankruptcy probability evaluation means, 32. The liquid crystal display according to claim 29, further comprising a change rate evaluation means for calculating a minimum required change rate by calculating a sum of a cost rate of capital of a partner company and a cost rate of a creditor company. Credit system described in section. 33. A system for evaluating a target transaction amount per month by dividing a difference between the transaction limit of a creditor company and the desired transaction limit by the number of collection months. The credit system according to any one of claims 29 to 32, characterized in that: 34. A credit company management means capable of displaying a specific management screen on a user terminal screen so that a user can compare one or more credit company information evaluated by the credit system. Credit company management system. 35. The management means comprises at least the rank information, the limit information, and date information on the evaluation of the credit company for each credit company, and the user is provided with the credit company for each of the information. The information can be evaluated according to desired information.
4. The credit company management system according to 4. 36. A commercial transaction credit method for providing credit information of a company to a user terminal on a site constructed on a computer network, wherein a person who attempts to access said credit information satisfies predetermined conditions. Authenticate as a user, provide the authenticated user with corporate information of a desired credit company, and input a desired transaction limit in the commercial transaction with the credit company for the authenticated user. A method of evaluating the commercial transaction credit by evaluating the input desired transaction limit and the creditoree information and providing a user with a judgment on the safety of the commercial transaction in substantially real time. 37. The commercial transaction credit method according to claim 36, further comprising the step of causing said authenticated user to correct the user company information at a user terminal. 38. When the authenticated user inputs the desired transaction limit, the authenticated user is required to input at least monthly sales and the number of collection months. 38. The commercial transaction credit method according to claim 36 or 37, wherein an amount obtained from a product of the quotient and the number of collection months can be set as the desired transaction limit. 39. A bankruptcy probability of a creditor company is calculated based on the rank set by the rank setting means, and at least the bankruptcy probability, the capital cost ratio of the creditor company, and the accounting ratio of the creditor company are calculated. The method according to any one of claims 36 to 38, wherein the sum is set as a minimum required change rate, and the authenticated user is provided with the minimum required change rate. 40. A difference between the transaction limit of the creditor company and the desired transaction limit is divided by the number of collection months to set a target transaction amount per month. The method according to any one of claims 36 to 39, wherein the transaction target amount is provided. 41. The method according to claim 41, wherein said one is provided by said commercial transaction credit method.
A credit company management method characterized by displaying a specific management screen on a user terminal screen so that a user can compare the above credit company information. 42. In conducting a business transaction with at least one or more credit companies registered in the credit company management system,
An electronic commerce system for providing a user interface on a user terminal screen so that a predetermined financial service can be provided to a user authenticated by a user authentication unit, wherein at least one or more financial services are selected. An electronic commerce system comprising: a financial service selecting means capable of receiving the financial service; and a service application condition input means capable of inputting a condition on a user side when receiving the financial service. 43. In performing electronic commerce with a creditor company on a site constructed on a computer network,
An electronic commerce method capable of providing a predetermined financial service to a user authenticated by user authentication means, wherein the user is allowed to select at least one or more financial services, and the financial service is provided. An electronic commerce system comprising a step of allowing a user to input the following conditions.