JP2002041992A - Method for dealing merchandise and service by use of communication network - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a global method for dealing merchandise and service by use of communication network. SOLUTION: An intermediation manager 12 receives a transfer of contract dealings from both users 10, 11 on an ordering side and an order receive side, collects credit investigation data of both users, and issues a predetermined letter of credit in which a financing possible amount as future money for the user on the order receiving side determined in accordance with the data is written, and the user on the order receiving side borrows money from a financial institution 13 utilizing the predetermined letter of credit. When merchandise and service are delivered to the user on the ordering side, the user on the ordering side pays total dealing amount to the intermediation manager, who obtains a predetermined margin from the paid dealing amount to settle the future money, pays an amount after deducting the predetermined margin to the user on the order receiving side, and changes the letter of credit over from mortgage of borrowed money to mortgage for settlement to settle the dealing amount.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to a method for
The present invention relates to a method of performing a transaction in which an outgoing order contract has been established on an intermediate server operated by an intermediate manager.

[0002]

2. Description of the Related Art Conventionally, when trading goods and services, the order receiving party procures advance payments from a financial institution or an ordering party in order to complete the transaction, and uses the advanced payments to purchase goods and services. Services may be delivered to the ordering party.
For example, when the ordering side is a product maker, materials necessary for manufacturing a product to be traded are purchased using the borrowed advance payment, and the product is manufactured.

[0003]

However, conventionally, the order receiving side often borrows advance payments with cash, checks, bills, and the like, but financing is greatly dependent on the credibility of the order receiving side. In some cases, only the ordering party and the order receiving party, or the financial institution and the order receiving party have a receivable and debt relationship, and if any trouble occurs, it is sometimes not easy to solve it. In addition, when trading on the Internet, which has been spreading rapidly these days, basically, the order receiving party and the ordering party have a system that allows direct trading as much as possible, and international trading is also possible. Often, the solution is no longer easy.

[0004] The present invention has been made in view of the above circumstances, and provides a place for trading of global goods and services using the Internet, which has been rapidly spreading recently, as a so-called Japanese general trading company. A method of trading goods and services using a communication network that provides services including financing, facilitates troubleshooting of repayment of advance payments, etc., and allows users to conduct transactions smoothly without requiring specialized knowledge. It is intended to provide.

[0005]

In order to achieve the above object, according to the first aspect of the present invention, a plurality of users use their own communication terminals via a communication network such as the Internet. By accessing the intermediary server operated by the intermediary manager and chatting on the transaction contract screen provided by the intermediary server, when the order contract for goods and services is established, the intermediary manager is contracted. The transaction was transferred from both the ordering party and the order receiving party, and credit check data of both users was collected from the database of the user's credit check results, and determined in accordance with the data. Issue a prescribed letter of credit stating the amount of financing that can be made as an advance payment to users on the order receiving side,
The customer on the order receiving side borrows the financing amount described in the letter of credit from a financial institution such as a bank using the predetermined letter of credit, and uses the advance payment to make the product for which the contract has been established. When the service is delivered to the ordering side user, the ordering side user pays the entire transaction amount to the brokerage administrator, and the brokerage administrator, when the ordering side user pays the full transaction amount, A predetermined margin is obtained from the transaction amount paid, the upfront payment is settled, the amount obtained by subtracting the predetermined margin is paid to the user on the order receiving side, and the letter of credit is switched from collateral for borrowed money to collateral for settlement , Settle the transaction amount in full.

Here, in the present method, global goods and services are traded using a communication network such as the Internet, so that both domestic trade and international trade can be performed. Also, the letters of credit issued by the intermediary manager include, for example, standby letters of credit and LC letters of credit common to the world, and by using these letters of credit, loans can be obtained from any financial institution around the world. . As a result, users on the order receiving side can use these letters of credit to receive loans from any financial institution, such as the main bank or a nearby bank, and provide upfront funds necessary for conducting transactions. Can be procured.

[0007] The standby letter of credit and the LC letter of credit have a function like a free financing payment promise for a limited purpose without involving the import / export of goods or goods, and are very convenient for the use of the present invention. is there.

According to the second aspect, the brokerage manager determines whether or not the contracted transaction is to be transferred based on the contents of the contract when the brokerage order contract is established on the brokerage server operated by the brokerage manager. It is possible.

[0009] Here, the mediation manager may judge whether or not to transfer the contracted transaction on the mediation server by means such as software.

[0010] According to the third aspect, the intermediary manager can determine the financing amount to be described in the letter of credit based on a guarantee fee paid in advance by a user who has concluded the transaction contract.

According to the fourth aspect, at least a receivable generated when a user on the order receiving side borrows an advance payment from a financial institution,
Letters of credit enable free circulation on communication networks.

According to a fifth aspect of the present invention, when the user chats on the transaction contract screen, a part of the content of the comment is hidden as a predetermined bit image, an encryption code, or the like, and the meaning of the part of the content of the comment is hidden. Is possible.

[0013]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a diagram showing an example of a network configuration required to carry out the method of the present invention. FIG. 2 is a diagram for explaining a series of flows of transactions performed in the method of the present invention.

In order to carry out this method, as shown in FIG. 1, communication terminals (comprising personal computers or the like) 1 (#A to #D) owned by each user are connected to a communication network. It connects to one Internet N, and accesses the mediation server 2 owned by the mediation manager via the Internet N. The mediation server 2
A predetermined transaction contract screen is provided, and the user can access the transaction contract screen by accessing the server 2. On the transaction contract screen, the user exchanges messages between users in real time, so-called chat, so that he or she can negotiate a transaction contract for goods and services. Intermediary managers monitor exchanges and participate in negotiations.

[0015] When a user makes a business negotiation on the transaction contract screen, a part of the contents of the remark may be set as a predetermined bit image or an encryption code to hide the meaning of the part of the remark. Often, a part of the content of the remark, for example, information that the user does not want to be known to other users, such as transaction amount and detailed information related to the user, is encoded into a two-dimensional code such as a CP code, a QR code, a data code, and a PDF417. If only the user who knows the encryption key in advance by telephone or e-mail etc. decrypts it using this encryption key, even in negotiations on the Internet with poor confidentiality performance, High security can be secured.

If a business negotiation is concluded between the users and a certain product or service, for example, a transaction contract in which the user A orders the user B to manufacture glass windows is established, the method of the present invention , User A (10), user B (1
1) The following transaction is performed between B and the broker manager 12. This will be described with reference to FIG.

That is, the brokerage manager 12 receives the contracted transaction (FIG. 2). In addition, brokerage administrator 1
2 rejects the transfer depending on the contents of the contracted transaction, or speaks a certain condition, and the user A (1
0) and when the user B (11) gives permission, it may be determined to receive the transfer.

The intermediary manager 12 previously stores the user A (1
0), a credit check of all users including the user B (11) is performed, and the result of the check is stored in a credit check result database. In this example, the users A (10),
For the user B (11), data of both survey results is collected. Then, a predetermined letter of credit, such as a stand-by letter of credit or an LC letter of credit, describing the amount of financing as an advance payment of the user B (11) determined according to the result of the survey of the user B (11). Issue (of FIG. 2). When issuing the letter of credit, the mediation manager 12 sets the user A
(10) A parameter (for example, a percentage) is determined according to the result of the credit check of the user B (11), and a value obtained by multiplying the transaction amount for which the contract has been established by this parameter is described in the letter of credit. Amount. The above-mentioned parameters may be determined according to the amount of the usage fee or the reserve fund paid by the user A (10) and the user B (11). To execute this, it is necessary to collect the above-mentioned usage fee and reserve money from a user who attempts to access the mediation server 2. Further, the receivables and letters of credit generated when the user B (11) borrows advance money from the financial institution 13 can be freely distributed on the Internet N. As a result, the receivables of the user B (11) are sold through the Internet N, and the letters of credit are
Is transmitted to the user B (11) via the Internet N, the letter of credit can be quickly delivered to the user B (11), which is convenient.

Using this letter of credit, the user B (11) borrows a lending amount described in the letter of credit from the financial institution 13 such as a bank (in FIG. 2), and makes a deposit in advance. By utilizing, for example, materials required for manufacturing a glass window are purchased, and a contracted transaction, that is, manufacturing of a glass window is performed.

When the user B (11) delivers the manufactured glass window to the user A (FIG. 2), the user A (10) receives the full transaction amount, that is, the window glass manufacturing fee. To the intermediary manager 12 (FIG. 2), and the intermediary manager 12 obtains a predetermined margin from the paid transaction amount and adjusts the advance payment (FIG. 2). That is, the mediation manager allocates a part of the margin obtained from the fee paid by the user A (10) to the settlement of the advance payment to the financial institution 13. At the same time, the mediation manager 12
Indicates that the user B (1
Payment is made in 1) and the entire transaction amount is settled (FIG. 2). At the same time, at the same time, the aforementioned letter of credit is
Switch from collateral for borrowing of 1) to collateral for settlement.

FIG. 3 shows an example of the above-mentioned transaction contract screen. In this screen, on the chat screen 1A,
Users (here, user A and user B), brokerage administrator 1
2 talks in real time, and when a business negotiation is established between the user A and the user B, the user A (the ordering side) operates the order confirmation button B2 and the user B (the order receiving side) receives the order. The user operates the confirmation button B3. At that time, the mediation manager 12 can operate the transfer confirmation button B4 or the transfer refusal button B5 based on the contents of the established transaction contract to determine whether or not to accept the transaction for which the contract has been established. When the transfer manager 12 operates the transfer confirmation button B4, the established transaction contract is transferred to the transfer manager 12, and the number is displayed as a trust number (1C). At that time, the loanable amount as the advance payment mentioned above is the loan amount 1
B is displayed.

Here, whether or not the contracted transaction is to be transferred is determined in advance by using dedicated software or the like in the mediation server 2.
May be automatically determined based on the contents of the contract that has been concluded. In addition,
In the figure, B1 indicates a transaction transfer contract issue button,
If this is operated by each of the user A (ordering side) and the user B (order receiving side), a contract relating to the transfer of the established transaction contract can be downloaded from the mediation server 2.

Here, in the real world, various kinds of troubles occur when dealing with goods and services, and even when such troubles occur, the method of the present invention uses the following processing. Can be easily solved.

(1) When User A (10) Goes Bankrupt (Corporate Bankruptcy) When this occurs, the broker manager 12
The user A (10) and the user B are asked for the final user of the goods and services ordered by the user A (10) (it is necessary to confirm in advance by the credit check described above).
It is confirmed by e-mail or the like whether or not to continue the transaction with which the contract has been established with (11), and if it is confirmed that the transaction is to be continued, it is determined that the transaction has been transferred from the user A (10). Submit the proof certificate to the end user.

Then, the mediation manager 12 sets the user B (1
For 1), the delivery of goods and services is handled by brokerage manager 12
Then, the goods and services delivered from the user B (11) are delivered to the final user, and the money is collected from the final user. That is, the intermediary manager 12 substitutes the delivery to the final user and the collection of money from the final user, which should normally be performed by the user A (11). At this time, the intermediary manager 12 determines the amount obtained by subtracting the above-mentioned predetermined margin from the price collected from the final user as the user A (1
The profit to be obtained by 1) is paid to the bankruptcy trustee of the user A (10).

On the other hand, if the final user does not want to continue the transaction, the mediation manager 12 instructs the user B (11) to stop the transaction, and the user B (11) originally uses the transaction. The transaction amount to be obtained from the person A (10) is covered and paid using insurance or the like. In this insurance, for example, a usage fee may be collected in advance from the user A (10), and a part of this may be used as the insurance fee.

(2) When User B (11) Goes Bankrupt (Corporate Bankruptcy) When this occurs, the broker manager 12
Requests the user B (11) 's bankruptcy trustee or the like for the predetermined margin described above, and also requests the user A (1)
0) and the content of the chat between user B (11) and
In place of the user A (10), a transaction is ordered with another user (for example, the user C). The damage of the advance payment that occurs at this time will be dealt with by the insurance mentioned above.

(3) When the brokerage manager 12 goes bankrupt (bankrupt in a corporation) When this occurs, the brokerage manager 12
Describes the transferred transaction as a user A (10) and a user B (1
Return to 1), user A (10) and user B (11)
Have a direct deal with. And user B (11)
Requests the user A (10) to deduct a predetermined margin from the transaction amount when delivering goods and services to the user A (10). The margin is paid to the bankruptcy trustee of the intermediary manager 12.

[0029]

As can be understood from the above description, according to the first aspect of the present invention, the user is allowed to access the mediation server via a communication network such as the Internet, and the transaction contract screen provided by the server is provided. By making a chat above, a contract for the ordering of goods and services is made, so that a place for dealing with global goods and services can be provided.

Further, the transfer manager can transfer troubled transactions between the users, thereby facilitating the resolution of troubles such as repayment of advance payment, etc., without requiring the user to have specialized knowledge. Transactions can be performed smoothly.

Further, the intermediary manager issues a stand-by letter of credit or an LC letter of credit that is common throughout the world. You can get loans from any financial institution around the world, such as a nearby bank, and get the upfront money you need to transact.

According to the second aspect, the broker manager decides whether or not the contracted transaction is to be transferred based on the contents of the contract when the order brokerage contract is established on the broker server operated by the broker. Since it is possible, depending on the contents of the contract, the transfer may not be performed, or the transfer may be made after improving the contents of the contract by giving appropriate advice on the mediation server.

According to the third aspect, the intermediary manager can determine the financing amount to be described in the letter of credit in accordance with a usage fee paid in advance by a user who has concluded a transaction contract. The loanable amount can be determined more quickly than when performing a credit check of the user.

According to the fourth aspect, at least the receivables generated when a user on the order receiving side borrows an advance payment from a financial institution,
Since the letter of credit enables free circulation on the communication network, the user's receivables can be sold through the communication network, or the letter of credit can be transferred from the brokerage administrator to the user's By sending it to the sender, the letter of credit can be delivered quickly, which is convenient.

In claim 5, when chatting on the transaction contract screen, the user hides the meaning of a part of the remark content as a predetermined bit image or an encryption code. Is possible, a part of the content of the remark, for example, information that you do not want other users to know, such as transaction amount and detailed information related to the user, CP code,
A QR code, a data code, a two-dimensional code such as PDF417 is encrypted and stored, and only a user who knows the encryption key in advance by telephone, e-mail, or the like,
If decryption is performed using this encryption key, high security can be ensured even in negotiations on the Internet with poor confidentiality.

Further, since the data is also a bit image, it is difficult for a fraudulent trader to directly import or process (falsify) the data as character data into his / her computer.

[Brief description of the drawings]

FIG. 1 is a diagram showing an example of a network configuration required to carry out the method of the present invention.

FIG. 2 is a diagram for explaining a series of flows of transactions performed in the method of the present invention.

FIG. 3 is a diagram showing an example of a transaction contract screen.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Communication terminal device 2 ... Intermediation server 10 ... User on ordering side 11 ... User on order receiving side 12 ... Intermediary manager 13 ... Financial institution N ... Communication network

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 430 G06F 17/60 430 13/00 650 13/00 650B

Claims (5)

[Claims] 1. A plurality of users access a transfer server operated by a transfer manager via a communication network such as the Internet using communication terminals owned by each of the users, and a transaction provided by the transfer server. By chatting on the contract screen, when a transaction for placing or receiving an order for a product or service is established, the brokerage manager receives the contracted transaction from both the orderer and the orderer. A credit check data of both users is collected from a database of the user's credit check results, and a predetermined amount of money, which is determined in accordance with the data, is described as an upfront payment to the user on the order receiving side. A letter of credit is issued, and the user on the order receiving side uses the predetermined letter of credit,
When a bank or other financial institution borrows the loanable amount indicated in the letter of credit and uses the advance payment to deliver the contracted product or service to the ordering user, The user pays the entire transaction amount to the brokerage administrator, and the brokerage administrator obtains a predetermined margin from the paid transaction amount when the entire transaction amount is paid by the user on the ordering side. The above-mentioned advance payment is settled,
A product or service using a communication network that pays the amount obtained by subtracting the predetermined margin to the user on the order receiving side, switches the letter of credit from collateral for borrowed money to collateral for settlement, and settles the transaction amount in full. Trading method. 2. The system according to claim 1, wherein the brokerage manager determines whether or not the contracted transaction is to be transferred based on the contents of the contract when the brokerage order contract is established on the brokerage server operated by the brokerage manager. Products that make use of communication networks,
How to trade services. 3. The claim 1 or claim 2, wherein the intermediary manager determines a lending amount to be described in the letter of credit based on a guarantee fee paid in advance by a user who has concluded the transaction contract. A method of trading goods and services using a communication network, which makes it possible to do so. 4. The communication system according to claim 1, wherein at least the receivables generated when the user on the order receiving side borrows advance payments from the financial institution and the letters of credit are transmitted over the communication network. A method of trading goods and services using a communication network that allows free distribution. 5. The system according to claim 1, wherein when the user chats on the transaction contract screen, a part of the contents of the remark is converted into a predetermined bit image, an encryption code, or the like. A method of trading goods and services using a communication network, which makes it possible to hide the meaning of some remarks.