JP2002032672A - Joint purchasing system on internet - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the reliability of the settling method of electronic transaction utilizing the Internet and to secure and improve the profit of purchasers as a group. SOLUTION: A member 21 transfer prescribed money amounts to a financial facility 23 on a prescribed day, and this facility 23 informs a fund managing system 20 of the transferring information. The system 20 selects an order based on this transferring information to decide prescribed number of members, separates several percent of the transferred amount temporarily and distributes it to the prescribed number of members as a bonus. The members 21 order required merchandise to a virtual shop 6, and the system 20 sends an order to a merchandise provider 22, which sends these merchandise to the ordering members 21, receives receipts and reports these receipts to the system 20. The system 20 pays a price for the merchandise to the merchandise provider based on these receipts, receives several percent of the price of the merchandise as a display charge from the provider 22 and compensate it for the several percent separated temporarily.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a joint purchase system on the Internet, and more particularly, to a system in which members collect money in advance by a membership system on the Internet and purchase products on a virtual shop developed there. .

[0002]

2. Description of the Related Art In the conventional circulation of money, the consumption behavior follows the generation of demands of consumers in each case, and is so-called completely disorderly and irregular. Therefore, the financial system itself has a structure and flow based on such free consumption behavior.

[0003]

On the premise of the conventional consumer's free consumption behavior, it is inconvenient for the spread of e-commerce settlement using the Internet in the future. With the advent of digital cash, products that have high value but are known only in small local areas will be widely distributed throughout Japan and even to other countries.
In order to spread it to the world, the irregular money distribution system cannot keep up.

[0004] Irregular purchase and payment methods have high costs, and it is difficult to secure profits as a group of purchasers. According to the present invention, by making the circulation of money regular, the settlement method of e-commerce using the Internet can be made reliable, the profit as a group of buyers can be secured, and the purchase can be made reliably at low cost. The purpose is to provide a system.

[0005]

SUMMARY OF THE INVENTION The present invention has been made to solve the above-mentioned problem. In the first aspect, the fund management mechanism recruits members from consumers who are widely distributed in the region to access the Internet. Build a member database on the above, open a virtual shop on the Internet, exhibit the goods of the goods provider, open a trading account at a predetermined financial institution, and then the fund management organization gives the member the trading account ,
Notifying on the Internet that a predetermined amount is to be transferred on a predetermined day, and then the member transfers a predetermined amount to the transaction account of the financial institution on a predetermined day, and the financial institution receives the transfer information from the member. Notify the fund management mechanism,
The fund management mechanism records a transfer amount in the member database based on the transfer information, selects a temporal order of transfer by the member, determines a predetermined number of members,
Temporarily separating a few percent of the total amount of the transfer amount, distributing it as a bonus to the determined predetermined number of members, recording the distributed amount in the determined member column of the member database, Notify all members on the Internet of the total transfer amount, the distributed percentage amount and the determined predetermined number of members, the members order products necessary for the virtual shop,
The fund management mechanism sends a purchase order based on the order to the product provider, and the product provider sends the products to the member of the orderer, and the member who receives these products issues a receipt, The product provider reports these receipts to the fund management organization, and the fund management mechanism pays the product price to the product provider from the transfer amount in the member database based on the receipts, and allocates a few percent of the product price to the product. The display fee is received from the provider, and these display fees are summed up to make up the temporarily separated several percent amount.

According to a second aspect of the present invention, the predetermined number of members to which the bonus is distributed selects members who have made the transfer within a predetermined period, and is determined by electronic lottery from the members selected next. . In claim 3, the predetermined financial institution in which the transaction account is opened is determined to be a financial institution located in an area where the distribution of the members is small. In claim 4, the method for notifying the member on the Internet is an e-mail.

[0007]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS A joint purchase system on the Internet according to the present invention will be described below. FIG. 1 shows an overall configuration of a matrix bank system for implementing a joint purchase system for articles of the present invention. In FIG. 1, matrix bank 2 of the fund management organization that operates this system
0 server 2 can be connected to the Internet 10 spread on the earth via a communication line. The server 2 includes a home page, an e-mail function, a virtual shop 6, a money management program 7, and a member database 12.

The terminal 1 of the consumer member 21 connected to the Internet 10 is an i-mode (data communication function device) of a personal computer or a portable terminal distributed in each region, and is scattered in each region of the country. There are more than 2,000 companies, e-mail address and homepage (or not)
have.

The terminal 5 of the office of the manufacturing industry or the distributor 22
Is connected to the Internet 10, exhibits a product catalog V in the virtual shop 6 of the server 2, and has an e-mail address and a homepage. The manufacturing industry and the distributor 22 are composed of a plurality of companies for each product. Well, manufacturing industry 2
2 and the like shall sign the following contract with the matrix bank 20.

The company exhibits its products in the virtual shop 6 and sells it to the members 21 of the matrix bank 20. When the order is received from the member, the order is delivered to the member 21, the bill is sent to the matrix bank 20, and the price is received therefrom. 5% of the price is paid to the matrix bank 20 as an exhibition fee through sales cooperation. On the other hand, in the system sales office 3 serving as an agent, an employee explains the matrix bank 20 and the entire system to the consumer, and actually recruits member members.

The relationship of the system to the member 21 is as follows. The matrix bank 20 collects in advance the monthly bills for goods and services that are expended as consumables by the business of the member 21 every month, and collects the bills as joint purchase funds. Collective purchase funds are collectively collected from a plurality of members 21, a bonus (prize money) is generated from the collective purchase funds, and distributed to the selected members. The member jointly purchases goods and services from the sellers 22 and service providers affiliated with the matrix bank 20, and the matrix bank 20 deducts the price of the goods and services from the joint purchase fund previously deposited by the member 21.

The matrix bank 20 has an account with a financial institution 23 as a corporation or a private business. It is free to choose which financial institution the matrix bank 20 will select as the designated bank 23 from among many banks. Matrix Bank 20 selects designated banks 23, which are solid, highly evaluated, but known only in small areas, as a designated bank 23, creating an opportunity to spread its name widely in Japan, further to other countries, and to the world. I do. The matrix bank 20
Other designated city banks, regional banks, post offices, shinkin banks, agricultural cooperatives and credit unions may be designated as the designated bank 23 in FIG.

The computer 4 of the financial institution 23 can be connected to the server 2 via the Internet 10 or by a general dedicated line, and has an e-mail address and a home page. The computer 4 is connected to an existing financial institution 13 such as a bank by a general dedicated line other than this system, and has a general user account and, in particular, a matrix bank 20 account.

[0014] An employee of the system sales office 3 goes around leading small and medium-sized enterprises in each region, explains the matrix bank system, and recruits members to join this system. The small and medium-sized enterprises or the like who have agreed to this idea access the server 2 from their own terminal 1 on the Internet 10 and further browse the homepage of the matrix bank 20 to understand the system. Thereafter, the SME registers as a member in the server 2 by e-mail from its own terminal 1. At this time, the company name, address, representative name, telephone number, business partner bank name, occupation, etc., M are notified.

On the other hand, the server 2 accepts the membership registration, issues a membership number (ID number) and password P to the terminal 1 by e-mail on the Internet 10 at a later date, and stores the membership number (ID number) in the membership database 12. It stores passwords, company names, addresses, representative names, telephone numbers, occupations, etc., and provides a funding column. Business owners in various places become members / consumers 21 in the present invention by registering members from the terminal 1 to the server 2 of the matrix bank.

[0016] The terminals 1 of the members 21 are gathered in the server 2 from a wide area of the whole country, and the member database 12 of the matrix bank 20 is constructed. The account number of the designated bank 23 selected by the server 2 is notified to the member who joined later at a later date, and the computer 4 of the designated bank 23 replaces the name, address, representative name, telephone number, and account number of the matrix bank 20 with the original account number. Add to the general user list. The financial institution 13 is a silver regional bank or the like which is closest to the members 21 in a wide area of the whole country.

Next, the operation of the joint purchase system will be described with reference to FIG. From the server 2 of the matrix bank 20 to the member's terminal 1 on the Internet 10 by e-mail, the balance of this month, the transfer date,
A periodical notification E such as time designation, transfer destination bank name, account number, designated amount, etc. is transmitted by electronic transmission. The member 21 of the owner of the terminal 1 goes to the nearest financial institution 13 within the designated time on the transfer date when the notification is received and designates the designated account number of the financial institution (bank) 4 designated by the matrix bank 20 therefrom. The amount is converted to the membership number (I
D number) and transfer it in cash.

The member number (ID number), amount, date and time are transmitted from the nearest financial institution 13 to the computer 4 of the designated bank 23 through an ordinary dedicated line. Minutes are included at day time. The members of the owners of the terminals 1 nationwide from the nearest financial institution 13 to the designated account number of the matrix bank 20 of one or a small number of designated banks 23 with the respective member numbers (ID numbers) in advance, for example, 200,000. The circle is intensively transmitted.

Although only one nearest financial institution 13 is shown in FIG. 1, each member can use each shinkin, agricultural cooperative, post office or credit union from each area. This 200,000 yen is, for example, the average amount spent on office supplies by one company of the member 21 every month, and is the amount expected from experience. If the number of participating companies is 1,000, 1000 x 200,000 =
2 billion yen, matrix bank 20 of designated bank 4
The amount of money collected in a designated account is hundreds of millions of yen a day, even if there is a delay of a few days.

Next, the transfer information data of the member number (ID number) of each member, the amount of 200,000 yen and the payment date and time is encrypted from the computer 4 of the designated bank 23 to the server 2 of the matrix bank 20 via the Internet 10. And data is recorded in the member database 12 for each member. This amount is, for example, a member / consumer 2 of the terminal 1 owner.
1 is a prepaid office supplies fee, which is a purchase of a digital gift certificate.

In the matrix bank 20, the money management program 7 of the server 2 calculates, for example, 100 million yen, which is 5% of 2 billion yen, and separates it into 1.9 billion yen as bonus points. As shown in FIG. 2, the money management program 7 of the server 2 further divides this 100 million yen into 30 million yen of 30%, 20 million yen of 20%, 20 million yen of 20%, and 1 million of 10%.
10 million yen, 5% for 5 million yen, 5 3% for 3 million yen, 3%
Separate into 3 million yen, 3% 3 million yen, 3% 3 million yen, 3% 3 million yen, etc.

At the same time, the money management program 7 of the server 2
Is based on the transfer information data of the payment date and time in the member database 12, and the member name of the transfer order of the bank book is set to, for example, 1
From the first place to the eighth place. Based on the consent at the time of application for membership, the money management program 7 of the server 2 pays 30% of 30 million yen to the operator of the matrix bank 20 and 20% of 2
10 million yen to the system sales office 3, 20% of 20 million yen to the first bookkeeping member, 10% of 10 million yen to the second bookkeeping member,
5% of 5 million yen will be distributed to the third-most bookkeeping member, and five 3% of 3 million yen will be distributed to the 4th to 8th bookkeeping members.

The system sales office 3 is actually paid by the matrix bank 20 as a member recruitment fee S of 20% of the above 20%, which is 20 million yen, by a predetermined method. The account of the first bookkeeping member is 22 million yen, the account of the second bookkeeping member is 112,200,000 yen, and the account of the third bookkeeping member is 520 million yen.
Ten thousand yen is 3 in the account of the member from the fourth bookkeeping to the eighth bookkeeping
One hundred thousand yen is recorded in the member database 12, respectively, and the original two hundred thousand yen is recorded as it is in the other account of the other member.

The result of the selection of the ranking and the details of the distribution of the bonus points are transmitted to all members 2 by e-mail from the server 2.
The first terminal 1 is notified. Now, members 21 nationwide can use the terminal 1 to freely access the Internet 10 at any time.
Then, the user accesses the server 2 of the matrix bank 20 and visits the virtual shop 6 for office supplies.

In this month, the necessary office supplies are selected in the company, and the order form C is transmitted from the terminal 1 to the server 2 by specifying the product name, the price, the number, and the member number (ID number). Data of the product name, price, quantity, member number (ID number) and member number (ID number) are encrypted on the Internet 10 and transmitted to the server 2 of the matrix bank 20.

The product name, price and quantity data are recorded in the member database 12 for each member, and the purchase price is deducted from the current office supplies price of 200,000 yen, and the balance is recorded. Using the terminal 1, the member can access the server 2 of the matrix bank 20 on the Internet 10 by specifying the member number (ID number) and the password, and can freely know his / her current balance confirmation T. .

The server 2 of the matrix bank 20 periodically checks the member database 12 and totals orders.
For example, the shipping request H is encrypted twice a month on the Internet 10 to the terminal 5 of each exhibitor of the virtual shop 6 for each ordered product.

The shipping request H includes an order number, a product name, a price,
Includes quantity, address, representative name, and phone number. The manufacturing industry or the seller 22 that operates the terminal 5 for each exhibitor sends out the product in the real world to the designated number and the address of the orderer (name of representative, telephone number) in accordance with the shipping request H.

The delivery of the product X is delivered by the actual carrier to the office or the like of the member 21 operating the terminal 1 of the ordering source, and the signed receipt is sent to the seller 22 operating the terminal 5.
Etc. can be brought back. The seller 22 or the like reports the delivery completion R to the server 2 of the matrix bank 20 on the Internet 10 using the terminal 5 based on the receipt.

The delivery completion R data includes an order number, a product name, a price, a quantity, an address, a representative name, and a telephone number, and is encrypted and sent by e-mail. The money management program 7 of the server 2 receives the price D electronically collected from each member's account at the time of ordering, according to each member's purchase data in the member database 12 based on the delivery completion R, for each exhibitor of the virtual shop 6. Payment is made to the seller 22 or the like by a predetermined method. For example, the matrix bank 20 withdraws the price from the own account of the designated bank 13 and pays it to the seller 22 or the like.

As the price D of this product, 5% of the sales price of the exhibitor 22 is subtracted by the matrix bank 20 as the exhibiting business fee L, and the amount is paid. That is, the exhibitor 22 has paid 5% of the sales price to the matrix bank 20 as an exhibition fee L. The money management program 7 of the server 2 returns 5% of the exhibition (exhibition) fee L to 100 million yen separated as a bonus point first.

Note that 5% of the exhibition (exhibition) fee L can be changed by a contract between the three parties. The server 2 first selects all the member names paid by the first day of the transfer, instead of the member selection based on the booking order in the member database 12, and selects these members with equal probability by ignoring the time difference. It is also possible to perform a pull and select, for example, the first to eighth places.

If the order of bookkeeping in real time is such that the communication line is saturated and the legitimacy of the ranking is impaired, this lottery method becomes more rational. The amount paid by the member 21 was 200,000 yen for office supplies and stationery charges, but the matrix bank 20 side provided the consent of the collection service from telephone, electricity, water, etc. service providers, and communication and utilities expenses etc. May be collectively collected at the same time. Further, for the establishment of the member 21, another service or product may be used as long as the basic monthly expenditure is to be paid.

The member 21 can use the system office 3
And the system sales office 3 can repeatedly explain until the consumer is satisfied, so that the response to the damage or breakdown of the product can be promptly processed. The seller 22
And the like and the system sales office 3 can be operated by the same company.

[0035]

As described above, with the development of a nationwide communication network, if a designated bank is designated as a regional bank, huge funds will be transferred from members nationwide in a short period of time. By operating large amounts of funds, local economic development can be promoted. Collective orders and payments can be streamlined for members, and collective orders, shipping, collection, and other administrative tasks can be streamlined for manufacturers and distributors, and overall business activation can be achieved. In particular, members receive discounts through joint orders and have the opportunity to receive bonuses every month. Participating in the virtual shop can also establish a stable sales channel and facilitate the expansion of the sales market and sales space nationwide, even for low-profile private manufacturing and sales companies and local small and medium-sized businesses.

[Brief description of the drawings]

FIG. 1 is a diagram showing the overall configuration of a joint purchasing system on the Internet according to the present invention.

FIG. 2 is a diagram for explaining the operation of the joint purchasing system on the Internet according to the present invention.

[Explanation of symbols]

 1 Member's terminal 2 Server 3 System sales office 4 Calculator 5 Distributor's terminal 6 Virtual shop 7 Money management program 10 Internet 12 Member database 13 Nearest financial institution 20 Matrix bank 21 Member 22 Distributor 23 Financial institution (designated bank) C Order Form D Product Price E Periodic Notification H Shipping Request L Display Fee M Job Type P Password R Delivery Complete S Member Recruitment Fee T Current Balance Check V Product Catalog X Product

Claims (4)

[Claims] 1. A fund management organization recruits members from consumers widely distributed in a region, builds a member database on the Internet, establishes a virtual shop on the Internet, and exhibits the goods of the goods provider. Opening a trading account at a predetermined financial institution, and then the fund management organization notifies the member on the Internet that a predetermined amount will be transferred to the trading account on a predetermined date on a predetermined date. A predetermined amount is transferred to the transaction account on a predetermined day, the financial institution notifies the fund management mechanism of the transfer information from the member, and the fund management mechanism transfers to the member database based on the transfer information. Record the amount, select the temporal order of the transfer by the member, determine a predetermined number of members,
Temporarily separating a few percent of the total amount of the transfer amount, distributing it as a bonus to the determined predetermined number of members, recording the distributed amount in the determined member column of the member database, Notifying all the members of the total amount of the transfer, the distributed percentage and the determined predetermined number of members on the Internet, the members order products necessary for the virtual shop, and the fund management mechanism Sends a purchase order based on this order to the product provider, the product provider sends these products to the member of the orderer, the member who receives these products issues a receipt, and the product provider Report these receipts to the Fund Management Organization,
The fund management mechanism pays the product price to the product provider from the transfer amount of the member database based on these receipts, receives a few percent of the product price from the product provider as the display fee, and totals these display fees. A joint purchasing system on the Internet, which compensates for the temporarily separated several percent amount. 2. A predetermined number of members to which the bonus is distributed selects members who have made the transfer within a predetermined period,
2. The joint purchasing system on the Internet according to claim 1, wherein the member is determined by electronic lottery from the members selected next. 3. The joint purchasing system on the Internet according to claim 1, wherein the predetermined financial institution in which the trading account is opened is determined to be a financial institution located in an area where the distribution of members is small. . 4. The joint purchasing system on the Internet according to claim 1, wherein the method of notifying the member on the Internet is electronic mail.