JP2002063523A - Settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make easily and surely usable a system for CtoC electric commercial transaction at home. SOLUTION: This system is equipped with a 1st storage means which stores virtual money account information on a buyer and a seller, a 2nd storage means which stores information on the ordering of a commodity by the buyer, a database managing means which manages the information stored in the 1st and 2nd storage means, a deposit account managing means which manages a clearance deposit account where funds paid by the buyer are pooled and the deposit account of the seller, and a commodity delivery managing means which instructs a home deliverer to collect the commodities from the seller and deliver it to the buyer. The deposit account managing means secures the virtual money with the funds pooled in the clearance deposit account.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to a payment system, and more particularly to a payment system suitable for CtoC (customer to customer) electronic commerce.

[0002]

2. Description of the Related Art At present, various forms of electronic commerce are performed along with the spread of the Internet, and BtoB (business to business) is a business transaction between companies.
And BtoC (business
To Customer), CtoC, a commercial transaction between individuals
(Customer to customer). Recently, commercial transactions by CtoC have been particularly noticed. For example, in portal sites such as Yahoo (registered trademark), business transactions between strangers are performed through bulletin boards and online auctions. Such transactions are expected to expand further in the future.

[0003]

SUMMARY OF THE INVENTION However, Cto
In the commercial transaction of C, there are various problems regarding the settlement method. In other words, as a settlement method in e-commerce, a credit card, bank transfer, postal transfer, registered mail, and the like are generally used, but in these settlement methods, the timing of exchange between the price and the product does not match. Troubles have occurred, such as that the product has not been delivered even though the price has been paid, or that the product has not been paid even though the product has been sent out, which is often a problem. for that reason,
In order to solve such a problem, so-called convenience store payment, in which the convenience store stores the goods and pays for the goods, has come to appear, but in this payment method, the timing of exchanging the goods with the price is matched. Although it is possible to do so, there is a problem that it is necessary to go to a convenience store one by one to pick up a product.

An object of the present invention is to solve such a problem, and an object of the present invention is to provide a settlement system that can be used simply and reliably while staying at home when performing CtoC electronic commerce. And

[0005]

In order to achieve the above object, a settlement system according to the present invention comprises: first storage means for storing account information of purchasers and sellers using virtual money; Storage means for storing ordering information of goods by a user, database management means for managing information stored in the first and second storage means,
A clearance account for pooling funds deposited by the buyer and a deposit account management means for managing the seller's deposit account; and home delivery of the collection of goods from the seller and delivery of the collected goods to the buyer. Product delivery management means for instructing a trader, wherein the deposit account management means comprises:
The virtual money is secured by funds pooled in the clearance deposit account.

Further, the present invention includes the following configuration as another embodiment. That is, the database management unit performs the settlement using the virtual money when the purchaser confirms the order of the product and receives the notification of the receipt of the product by the delivery company. Further, the seller is an organizer of an auction on the Internet, and the home delivery company collects products to be placed in the auction from a product provider.

With this configuration, the present invention provides:
Payment of the product price and delivery of the product by virtual money secured by actual cash can be performed at the same time, that is, the exchange timing of the product and the price can be matched, so that the settlement can be reliably performed. it can. In addition, the transfer of funds between accounts using virtual money and the delivery of goods by a home delivery company enable simple and reliable settlement while staying at home.

[0008]

Next, one embodiment of the present invention will be described with reference to the drawings. FIG. 1 is a system configuration diagram showing one embodiment of the present invention. As shown in the figure, the payment system according to the present embodiment has an Internet payment clearance (hereinafter, referred to as clearance) 4 that performs payment processing and product delivery processing on behalf of a buyer or a seller. . The buyer terminal 1, the seller terminal 2, the courier terminal 5, and the Internet payment specialized clearance (hereinafter referred to as "clearance") 4 are connected to the Internet 6 respectively. You can browse.

Each of the buyer terminal 1 and the seller terminal 2 is an information device such as a personal computer, a portable information terminal, or a mobile phone or a game machine having an Internet connection function. Internet connection is possible through connection or dedicated line connection. The financial institution 3 is a financial institution such as a bank, and has a buyer deposit account 3a opened by the buyer, a clearance deposit account 3b opened by the clearance 4, and a seller deposit account 3c opened by the seller.

The clearance 4 is a LAN (Local Area N)
etwork) and various servers and HD connected via
D (Hard Disk Drive), etc. Specifically, a net account management DB (Da
taBase), a storage device 4b storing an order management DB including ordering information for each user,
It includes a DB management unit 4c, a deposit account management unit 4d, and a product delivery management unit 4e, which are configured by hardware devices such as a CPU (Central Processing Unit) or software. The DB management means 4c manages each of the above-mentioned DBs, and the deposit account management means 4d issues an instruction to transfer funds to an account in the financial institution 3, confirms the amount of virtual money pooled in the net account, and performs product delivery. The management means 4e instructs the parcel delivery company to pick up and deliver the goods. Note that the clearance 4 may be operated independently of the financial institution 3 or may be operated by the financial institution 3.

Here, the net account information managed by the net account management DB 4a is information such as the amount of virtual money pooled in the net account of the user, that is, the buyer or the seller, and information such as the net account number. is there. As will be described in detail later, by managing the deposit account management means 4d, the user can accumulate virtual money in his or her own net account by depositing in the clearance deposit account 3b of the financial institution 3. In addition, virtual money can be cashed by transferring money from the clearance deposit account 3b to its own deposit account (purchaser deposit 3a).

Next, the processing procedure of this embodiment will be described with reference to the drawings. FIG. 2 is an explanatory diagram illustrating an outline of a processing procedure according to the present embodiment. FIG. 3 is a flowchart showing a processing procedure according to FIG. In using this settlement system, the buyer and the seller are required to use the net account 4 managed by the clearance 4 respectively.
It is assumed that f and 4g have been established in advance.

First, the purchaser uses the purchaser terminal 1 to purchase a product, and notifies the seller terminal 2 of the product order via the Internet 6 in FIG. 1 ((1), step 1).
01). At this time, the purchaser has personal information such as the purchaser's name and contact information (e-mail address, etc.), the product name or product code, the number of orders, the number of the net account (even if the user ID number is issued by clearance). Good) is notified to the seller terminal 2. The seller who receives the order prepares the product for shipping, such as packing the product,
A request is made to the clearance 4 for settlement processing in order to collect the product price ((2), step 102). When requesting this settlement processing, the seller terminal 2 notifies the contents of the order notified by the buyer to the clearance 4 via the Internet 6 (by an e-mail or a page of a website). In the clearance 4, the ordered contents and the contact information of the purchaser (such as an e-mail address) are registered in the order management DB 4b by the DB management means 4c.

Upon receiving the settlement processing request from the seller, the clearance 4 makes an inquiry to the purchaser to confirm whether the contents of the order are correct ((3), step 103). Specifically, order management D
The e-mail containing the personal information, the product name, the number of orders, and the like of the buyer registered in B4b is transmitted to the buyer.
As a result, when a confirmation e-mail is received from the buyer, the DB management means 4c confirms the purchaser net account 4f, and when the confirmation is completed, starts the settlement processing (step 104). However, if an Internet account is not established or the settlement fund is insufficient, a predetermined settlement impossible process is performed (step 108). That is, when the buyer's net account has not been opened, a guide mail is sent to the buyer to prompt the buyer to open a net account. The account information of the net account is managed by the net account management DB, and when a new account is opened, the registration process is performed by the DB management means 4c.

If a net account has been opened but the purchaser's net account 4f does not pool an amount equal to or greater than the price of the commodity, the purchaser is requested to pay a shortage. Upon receiving the request, the buyer transfers the requested amount (or more than the requested amount) to the clearance deposit account 3b in the financial institution 3. At this time, if there is a buyer's deposit account (here, the buyer's deposit account 3a) in the financial institution 3, the above-mentioned amount is transferred from the buyer's deposit account 3a (5).

[0016] The fund management of the buyer transferred to the clearance deposit account 3b is performed by the clearance 4,
That is, the DB management means 4c deposits the same amount of virtual money as that transferred to the clearance deposit account 3b into the purchaser net account 4f (6). As a result, the amount required for settlement is pooled in the purchaser net account 4f, and subsequent settlement processing can be continued. In other words, in other words, the value of the virtual money in the purchaser net account 4f is secured by the cash pooled in the clearance deposit account 3b. In addition, when depositing virtual money into the purchaser net account 4f, a virtual money obtained by subtracting a predetermined amount from the purchaser net account 4f is collected in order to collect a usage fee for the clearance 4 by the purchaser.
May be paid.

Next, the clearance 4 confirms that a virtual money of a transactable amount is pooled in the purchaser net account 4f, and then instructs the terminal 5 of the home delivery company to collect goods ((7)). , Step 105). When the delivery company receives the collection instruction, it visits the seller's house to collect the goods (8). The home delivery company that has collected the products notifies the clearance 4 of the receipt of the products using the home delivery company terminal 5 ((9), step 106). Since the clearance 4 having received the notification of the receipt confirmation can secure both the product price and the product, the virtual money corresponding to the product price is transferred from the buyer net account 4f to the seller net account 4g.
At the same time ((10a), step 107)
The delivery of the product is instructed to the delivery company (10b). The courier who received the delivery instruction delivers the goods to the buyer's home (1
1).

On the other hand, the seller can cash the virtual money transferred to the seller net account 4g by appropriately instructing the clearance 4. That is, the clearance 4 deducts the designated amount from the virtual money pooled in the seller net account 4g in accordance with the instruction from the seller, and transfers the same amount of cash from the clearance deposit account 3b to the seller deposit account 3c. An instruction can be given to the financial institution 3. The financial institution 3 receiving the transfer instruction transfers the designated amount to the clearance deposit account 3
b to the seller's deposit account 3c. Therefore, the seller can withdraw cash from the seller account 3c.

Next, details of the order confirmation to the buyer, the collection instruction and the delivery instruction to the home delivery company in the processing flow of FIG. 3 will be described. FIG. 4 is a flowchart showing a procedure for confirming the order with respect to the buyer in FIG. First, the clearance 4 transmits an order confirmation e-mail to the purchaser (step 201). The buyer checks the received mail (steps 202 and 203),
When accepting the order contents, the consent is notified to the clearance 4 via an e-mail or a page of a website established by the clearance 4 (step 204). on the other hand,
If a notice of consent has been received from the purchaser, or if there has been no response after a certain period of time, the clearance 4 performs an order cancellation process (step 206). Information on the contents of the consent and the rejection of the consent are stored in the order management DB 4b of FIG.

FIG. 5 is a flowchart showing a procedure for processing a pickup instruction to the home delivery company in FIG. First,
The product delivery management means 4e of the clearance 4 issues a pickup instruction to the terminal 5 of the home delivery company b via the Internet 6 or a telephone line (step 301). The courier who received the collection instruction immediately visits the seller's home to collect the goods (step 302), and when the collection is completed, notifies the clearance 4 to the clearance 4 using the terminal 5 (step 30).
3, 304). If the collection was not successful, a notification indicating that collection is impossible is sent to the clearance 4 (step 305). Thereby, the clearance 4 can know the collection status of the goods.

FIG. 6 is a flowchart showing the procedure for processing a delivery instruction to the home delivery company in FIG. First,
The commodity delivery management means 4e of the clearance 4 issues a delivery instruction to the home delivery company via the Internet 6 or a telephone line (step 401). The delivery company delivers the goods collected from the seller to the buyer (step 402). When the delivery is completed, the completion of delivery is notified to the clearance (steps 403 and 404). If the delivery has failed, the delivery is notified (step 405). Thereby, the clearance 4 can know the delivery status of the product.

Next, another embodiment of the present invention will be described. The above settlement system can be applied not only to electronic commerce in CtoC but also to an auction system. FIG. 7 is an explanatory diagram showing another embodiment (auction system) of the present invention. 2, the same components as those in FIG. 2 indicate the same components. In using this auction system, it is assumed that at least the purchaser and the organizer have previously established the purchaser net account 4e and the organizer net account 4h managed by the clearance 4.

First, an article provider who puts up an item for sale at the auction notifies the organizer's terminal 7 of a participation request using the terminal 8 (1). The buyer participates in the auction via the Internet 6 in FIG. 1 using the terminal 1 (2), and personal information such as the name of the buyer, the product name or product code for which a successful bid is desired, the number of the net account (issued by clearance). And the desired bid price and the like are notified to the host terminal 7. As a result of the auction, when the buyer of the terminal 1 makes a successful bid, the organizer notifies the terminal 8 of the article provider, the clearance 4 and the terminal 1 of the buyer using the terminal 7 of the successful bid result (3a, 3b, 3c). ).
At this time, not only the clearance 4 is notified of the successful bid result, but also a request to collect the goods is made at the same time.

Upon receiving the notice of the successful bid from the organizer, the clearance 4 inquires the buyer to confirm whether the contents of the successful bid result are correct (4). As a result, when a confirmation notice is received from the purchaser, the purchaser net account 4f is confirmed, and when the confirmation is completed, the settlement process is started (step 104). However, when an Internet account is not established, or when there is a shortage of settlement funds, a predetermined settlement failure process is performed. This settlement impossible process is performed in the same manner as described with reference to FIG.

Next, the clearance 4 confirms that virtual money of a tradeable amount is pooled in the buyer net account 4f, and then instructs the terminal 5 of the home delivery company to collect goods (5). Upon receiving the collection instruction, the courier visits the seller's house to collect the goods (6). The courier who has collected the goods notifies the clearance 4 of the receipt of the goods using the courier terminal 5 (7). Since the clearance 4 having received the notice of the receipt confirms both the product price and the product by this, the virtual money corresponding to the product price is transferred from the buyer net account 4f to the organizer net account 4h at the same time as ( 8a), instruct the delivery company to deliver the goods (8b). The delivery company receiving the delivery instruction delivers the product to the buyer's house (9).

On the other hand, the organizer can cash the virtual money transferred to the organizer net account 4h by appropriately instructing the clearance 4. That is, the clearance 4 deducts the instructed amount from the virtual money pooled in the organizer net account 4h in accordance with the instruction from the organizer, and transfers the product price from the clearance deposit account 3b to the goods provider deposit account 3e. The auction fee is transferred from the clearance deposit account 3b to the organizer deposit account 3d. Thus, a series of auction procedures is completed.

[0027]

As described above, according to the present invention, the payment of goods and the delivery of goods by virtual money secured by actual cash can be performed at the same time, that is, the timing of exchanging goods with the price of the goods coincides. Therefore, the settlement can be reliably performed. In addition, the transfer of funds between accounts using virtual money and the delivery of goods by a home delivery company enable simple and reliable settlement while staying at home. In addition, the present invention is suitable for Internet payment by CtoC, and is excellent in security because it is not necessary to input a credit number on the Internet unlike credit payment.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram showing one embodiment of the present invention.

FIG. 2 is an explanatory diagram showing a processing procedure according to the embodiment.

FIG. 3 is a flowchart showing an overall flow of the embodiment.

FIG. 4 is a flowchart showing a procedure for confirming an order with respect to a buyer in FIG. 3;

FIG. 5 is a flowchart showing a processing procedure of a pickup instruction to the home delivery company in FIG. 3;

FIG. 6 is a flowchart showing a processing procedure of a delivery instruction to a home delivery company in FIG. 3;

FIG. 7 is an explanatory diagram showing another embodiment (auction system) of the present invention.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Buyer terminal, 2 ... Seller terminal, 3 ... Financial institution, 3a
… Purchaser deposit account, 3b… Clearance deposit account, 3c
... Seller deposit account, 3d ... Organizer deposit account, 3e ... Article provider deposit account, 4 ... Special clearance for Internet payment, 4a ... Storage device (net account management DB), 4b ...
Storage device (order management DB), 4c ... DB management means, 4
d: Deposit account management means, 4e: Commodity delivery management means, 4f
… Purchaser net account, 4g… Seller net account, 4h…
Organizer net account, 5 ... Delivery company terminal, 6 ... Internet.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 424 G06F 17/60 424

Claims (3)

[Claims] A first storage unit storing account information of buyers and sellers using virtual money; a second storage unit storing information on ordering goods by the buyer; and the first and second units. Database management means for managing information stored in the storage means, a clearance account for pooling funds received by the buyer and a deposit account management means for managing the seller's account, and And goods delivery management means for instructing a courier company to collect the goods and deliver the collected goods to the purchaser, wherein the deposit account management means transfers the virtual money to the clearance pool account. Payment system characterized by security. 2. The settlement system according to claim 1, wherein the database management means receives the confirmation of the order of the commodity by the buyer and a notice of the receipt of the commodity by the courier service. A payment system characterized by performing payment by: 3. The settlement system according to claim 1, wherein the seller is an organizer of an auction on the Internet, and the home delivery company collects goods to be placed in the auction from a goods provider. Characteristic payment system.