JP2002074213A - Settlement method using credit - Google Patents

Abstract

PROBLEM TO BE SOLVED: To propose a new business scheme by which a user can purchase an article or enjoy service in advance even when the user has no price to be paid at hand and the user can appropriate a wage for a prescribed work for a part or the entire of the price of the purchase, etc., after that. SOLUTION: This is a settlement method using credit to set a credit margin to the user under prescribed conditions, to perform an order instruction and advance payment of the price of merchandise ordered from the user to an agent to handle the merchandise when it is within the credit when application (order) of purchase the merchandise is accepted from the user, to accept working reservation for a desired work matter by presenting the work matter to the user and to appropriate a reward (wage) to be obtained by implementing the work matter to which work reservation is made by the user for the price of the advance payment.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement method using a credit line and a system for implementing the method.
In particular, the present invention relates to a settlement method using a credit line so that desired products can be purchased by working.

[0002]

2. Description of the Related Art In recent years, portable telephones have rapidly spread, and portable telephones that can access Web sites on the Internet have appeared. By using such a mobile phone, a user can interactively access a Web site on the Internet anytime, anywhere, obtain necessary information resources, purchase goods, or enjoy various services. Can be.

[0003]

In the meantime, when a consumer intends to purchase a product or the like, the consumer is required to deliver the product in exchange for payment of the price. It is. Also, in so-called credit settlement, a credit company gives credit (credit) to a consumer, and the consumer given the credit, even before the payment of the consideration,
You can purchase products.

[0004] However, such credit is usually
It is only granted to those who have a fixed job and meet certain conditions such as having a certain level of income.Therefore, it is not given to those who do not have a fixed job, such as students, etc. Credit payment was available. In other words, when a student without a regular job intends to purchase a product, the basic form of transaction is to first prepare a payment price in some form and then purchase the product. In this case, many students prepare the payment amount by part-time job or the like.

[0005] Therefore, if such a student cannot prepare the payment price at hand, he cannot purchase the desired product immediately, even if he or she obtains funds through a part-time job. I had to apply for the payment.

[0006] Even when a student who seeks to save money for a payment seeks a part-time job or the like, how much work must be done to collect information from a part-time job information magazine or the like, and to earn much income therefrom. Had to judge for himself.

[0007] Therefore, the present invention provides a method for purchasing a product or enjoying a service first even if the user does not have a payment price at hand, and the user later works for a predetermined job. The purpose is to propose a new business scheme in which the obtained labor price (wage) can be used for part or all of the purchase and other costs.

In addition, the present invention converts the price of the purchase of goods or the enjoyment of services into the contents of work and the number of times of employment, thereby purchasing the desired goods by employment, as if the purchase and the like were equivalently exchanged. It aims to provide a new business scheme that can be used.

[0009]

The gist of the present invention is that a credit frame is set for a user under predetermined conditions, and when a purchase application (order) for a product is received from a user, the credit is set. If it is within the range, the ordering instruction and the payment for the price are made to the dealer handling the product, and the user is presented with the work item and the work reservation for the desired job item is received, and the user receives the job reservation. In other words, the remuneration (wage) obtained by fulfilling the work item for which the work reservation has been made is to be used for the replacement payment.
The credit line is typically set based on the user's past labor performance, the balance of the settlement account, and the like.

That is, according to the present invention, a credit frame setting step of setting a credit frame of a user, a purchase application step of presenting information on a product to the user and prompting the user to apply for a purchase of the product, A reservation application step of presenting information on a work case to apply for the price of the product when a purchase application is made, and prompting a reservation application for the work case; the price of the product for which the purchase was applied; and the user A determination step of determining whether the price of the product can be paid based on the balance of the credit line, by comparing the credit line balance set for An instruction step for instructing that the product is provided to the user, and A confirmation step for confirming whether or not the work has been completed, and a settlement for settingtle the price of the product based on a wage paid for the work matter when confirming that the work has been completed by this step. And a settlement method using credit.

[0011] In the credit limit setting step, it is preferable that the credit limit is set based on the work performance of the user for the work matter.

[0012] Preferably, the instructing step includes instructing a merchandise providing the merchandise, and preferably further includes a step of paying the merchandise for the merchandise on behalf of the user. Further, the instruction step, when it is determined that the payment is unacceptable in the determination step, a confirmation step of confirming whether or not the user has fulfilled the work item for which the reservation was applied,
When it is confirmed that the execution has been completed in this step, it is preferable to instruct the user to provide the product.

[0013] The settlement step may include notifying the wage and the price of the product to a bank having a settlement account of the user. It is preferable that the balance after deducting the payment is paid to the settlement account of the user.

[0014] The invention relating to the settlement method using the credit is also realized as an invention of a system for realizing such a method. Further, the present invention is also realized as a recording medium that records a program that causes a computer to implement such a method. Here, the recording medium includes, for example, a hard disk (HD), a DVD-RAM, a flexible disk (FD), a CD-ROM,
Includes memory such as OM. Also, the computer is
For example, a so-called central processing unit such as a CPU or an MPU that performs a predetermined process by interpreting a program includes a so-called microcomputer.

[0015] In this specification, the term "means" does not simply mean a physical means, but also includes a case where the function of the means is realized by software. Further, the function of one unit may be realized by two or more physical units, or the function of two or more units may be realized by one physical unit.

[0016]

Next, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a diagram showing a schematic configuration of a system for realizing a settlement method using credit according to the present embodiment. This system uses a mobile phone 11 used by a user.
And a main server 12 connected to the Internet,
The settlement server 13 manages a user's account, and a trader server 14 of a trader who fulfills the user's order.
A database 15 is connected to the main server 12. The user here is a consumer who purchases goods or enjoys services and is a worker who works for part-time work. Further, in this specification, a product purchased by a user by paying a financial consideration and a service to be enjoyed are generally referred to as a product.

The mobile telephone 11 can be connected to a packet communication network by wireless communication.
6 to connect to the Internet. That is, the mobile phone 11 connected to the packet communication network
Are connected to the main server 12 on the Internet via the gateway 16 so that predetermined information can be exchanged with each other. More preferably, the mobile phone 11 can exchange predetermined information between the main servers 12 on the Internet using a WWW system.

The main server 12 plays a central role for realizing the settlement method using credit according to the present embodiment. The details will be described later. The settlement server 13
Provide an account for each user and manage each account.
The settlement server 13 is typically provided in a bank.
The trader server 14 receives an order instruction from the main server 12 and sends a delivery notification to the effect that the merchandise has been provided to the user to the main server 12.

The main server 12, as shown in FIG.
Web server program 21, Web page 22, CG
An I program (script) 23 and other various programs (not shown) are provided. The Web server program 21 transmits the HTTP sent from the user's mobile phone 11.
And a process corresponding to the message is performed. For example, the Web server program 21
If it is determined that the message is a message for accessing the Web page specified by the URL, the Web page is provided to the mobile phone 11 of the user. The Web server program 21 typically includes ht
It is implemented as a daemon program called tpd. The Web page 22 is document data which is designed using, for example, HTML or the like and forms a screen to be provided to a user. Web pages are prepared in advance as static data, and CGI program 2
3 or the like.
The CGI program 23 is a Web server program 21
Is a program executed when a specific message is received by HTTP. CGI program 2
3 is typically described in a programming language such as Perl or C ++.

The database 15 includes a member database 151, a product database 152, a work case database 153, and a casting database 154.
Is provided.

FIG. 3 is a diagram for explaining the data structure of the member DB 151. The member DB 151 is a database that manages information about users who have registered as members. As shown in the figure, each record of the member DB 151 has “account”, “user information”, “desired work content”, and “credit limit”. The account has information such as an account name and a password given to the user who has registered as a member. The user information includes the user's member ID, name, address, postal code, telephone number, mail address, and other user profile information. The desired job content is information on the working conditions desired by the user registered in advance by the user, and includes, for example, a desired job type, a desired work place, and a desired work date and time. The credit line has a credit limit given to the user and a current balance. The limit of the credit limit is typically set by the administrator based on the past work performance of the user reported from the company in which the user worked. For example, in the case where there has been no accident during the past 10 times, the credit limit, that is, the limit is set. When the user's work evaluation is low, the limit may be reduced, while when the user's work evaluation is high, the limit may be increased. Further, a predetermined ratio to the balance of the settlement account of the user may be added to the limit of the credit line.

FIG. 4 is a diagram for explaining the data structure of the product DB 152. The product DB 152 is a database that manages information on products provided to users. The product referred to here may be a product handled by the administrator of the main server 12 itself, but is typically a product handled by an external trader. Each record of the product DB 152 has a “product ID”, a “product name”, a “price”, a “product description”, and a “trader ID”. The product ID is a product identification code being handled, and the product name is the name of the product. The price is, for example, a base price, whether or not tax is included, a shipping fee, and the like. The product description is a description of the product, and is composed of text and image data. Trader ID
Is an identification code of a trader who should place an order when an order for the product is received from the user.

FIG. 5 is a diagram for explaining the data structure of the work case DB 153. The work case DB 153 is a database that manages information on work cases that can be provided to the user. As shown in FIG.
Each record of No. 3 has “job ID”, “case ID”, “job case name”, and “work case description”. Job ID
Is an identification code indicating the work that can be provided to the user,
The “case ID” is an identification code indicating an individual case of the job. In other words, if there are a plurality of work days for a certain job, different identification codes are assigned to the respective jobs. The “work case name” is the name of the work case, and the work case description is a description of the work case, such as “demo sales at a store”.

FIG. 6 is a diagram for explaining the data structure of the casting DB 154. Casting DB
Reference numeral 154 denotes a database that manages, for example, the work status of the user with respect to the work matter when the work matter is assigned to the user in response to the user's application for the work matter. As shown in FIG.
Records are “member ID”, “work / case ID”,
It has "work basic information", "work status", and "end confirmation flag". The basic work information is, for example, basic salary, overtime, transportation expenses, and the like. The work status is, for example, information such as scheduled actual work time, actual actual work time, attendance time, leaving time, and whether or not to participate in training. The end confirmation flag is a flag indicating whether or not the user has finished all the work of the work matter (that is, has fulfilled the work). Confirmation of whether or not the execution has been performed is performed based on, for example, a business report sent from the company.

In the present embodiment, a credit line is set for a user under predetermined conditions, and when an application to purchase a product (order) is received from the user, if the request is within the range of the credit line. In other words, we will give orders to the company handling the product and pay for it,
The present invention is characterized in that a work case is presented to a user, a work reservation for a desired work case is received, and a reward (wage) obtained by the user fulfilling the work case for which the work reservation has been made is applied to a replacement payment. . In particular, in the present embodiment, the credit limit is set based on the past work performance of the user. As a result, even if the user does not have the payment amount at hand, if the user has the credit line, the user can immediately obtain the product and can make the final payment later Become like

FIG. 7 is a sequence diagram for explaining the schematic operation of the settlement method using credit according to the present embodiment. Now, the user has completed the membership registration,
It is assumed that the employee has a predetermined credit limit set based on past work performance.

First, the user logs in to the main server 12 using the mobile phone 11 ((1) in the figure). FIG. 8 is a diagram illustrating an example of a login screen displayed on the display of the mobile phone 11. That is, when the user inputs “member ID” and “password” on this screen and selects “login”, the mobile phone 1
1 transmits a login request to the main server 12. When receiving the login request from the mobile phone 11, the main server 12 refers to the member DB 151 and determines whether or not the login is possible ((2) in the figure).

Upon receiving the user's login, the main server 12 presents, for example, a menu screen (not shown) to the user and prompts the user to select a service menu (see FIG. 1).
(3)). When the user selects the purchase of a product, the main server 12 reads out the product information from the product DB 152 and transmits it to the mobile phone 11 ((4) in the figure). FIG.
FIG. 7 is a diagram illustrating an example of a product purchase screen displayed on a display of the mobile phone 11. That is, in the figure, the price and description of the product “MD component” are shown. The product description includes details such as "You can buy a part-time job for a demonstration sale in three days!" When the user intends to apply for the purchase of this product, the user selects "part-time and pay" to transmit a purchase application request including the product ID to the main server 12 ((5) in the figure). Upon receiving the purchase application request, the main server 12 reads the currently registered work case category from the work case DB 153 and transmits it to the mobile phone 11 (in the figure).
(6)). The mobile phone 11 receives this and displays it as a list of work cases on the display. FIG. 10 is a diagram illustrating an example of the job case category list screen displayed on the display of the mobile phone 11. The user selects, for example, a category of “demo sales” on this screen.

Upon receipt of this, the main server 12 refers to the work case DB 153, reads out the work cases belonging to the selected category, and allocates each of the work cases to the purchase price of the product in the work case. The number of times of work (the number of days) required to earn money is calculated, and this information is transmitted to the mobile phone 11 (see FIG.
(8)). The number of times of work is typically calculated by dividing the purchase price by the daily wage (hourly wage x working hours) for the job. FIG. 11 is a diagram illustrating an example of the work case list screen displayed on the display of the mobile phone 11. When the user selects a desired job matter on this screen, for example, "Demo company sales ... 3 times", the mobile phone 1
1 transmits a detailed information request including the job matter ID to the main server 12 ((9) in the figure).

When the main server 12 receives the request, the main server 12 refers to the work case DB 153, reads out detailed information on the selected work case, and transmits this to the mobile phone 11 ((10) in the figure). The mobile phone 11 displays the detailed information transmitted from the main server 12. FIG.
FIG. 4 is a diagram showing an example of a work case detailed information screen displayed on the display of the mobile phone 11. In other words, in the same figure, "XX company demonstration sales" is 8,000 yen per day,
In order to purchase a 21,000 yen "MD Component",
This indicates that the employee must work three times in this job case. In this case, the total wage for the three jobs is 24,000 yen, and the balance is 3000 yen. In addition, at this time, dates for which this job matter can be reserved are listed. User “work” for this screen
When is selected, the screen is switched to a screen as shown in FIG.
When the user is urged to confirm the provisional reservation, and here all “Y” are selected, the mobile phone 11 sends the provisional reservation request to the main server 1.
2 ((11) in the figure). In response to this, the main server 12 makes a tentative reservation of the user for the work case in the work case DB 153, and transmits confirmation information to the mobile phone 11 ((12) in the figure). The mobile phone 11 displays the confirmation information transmitted from the main server 12 ((13) in the figure).
FIG. 14 is a diagram illustrating an example of a confirmation screen displayed on the display of the mobile phone 11. When the user selects "confirm" on this screen, the mobile phone 11 transmits a purchase (order) / reservation request to the main server 12 ((11) in the figure).

When the main server 12 receives the purchase / reservation request from the user, the main server 12 registers the user and the selected work item in the casting DB 154 in association with each other. Further, the main server 12 checks the credit line of the user. That is, when the main server 12 subtracts the payment amount from the credit line balance and determines that the value is not negative, the main server 12 transmits an order instruction to the trader server 14 that handles the product ordered by the user. ((14) in the figure). In this case, the administrator of the main server 12
It is preferable that the administrator pays for the product in advance. Further, the main server 12 may notify the mobile phone 11 that the order has been instructed. If the credit line balance becomes negative, the main server 12
Will not be sent immediately, but will be sent after confirming the end of the job.

Even if the balance of the credit line is less than the payment amount for the product, there are a plurality of times of work for the work item, and a part of the work is performed, so that the credit line is The order instruction may be transmitted when the sum of the balance and the wages paid so far exceeds the payment price.

The trader receiving the ordering instruction provides the user with the product based on the ordering instruction. Typically, the merchant delivers to the location specified by the user and receives a delivery certificate (receipt) from the user. Then, the trader notifies the user of the delivery from the trader server 14 to the main server 12.

On the other hand, the user works on the job for which the user has made a reservation. When the user has finished working properly for the number of days specified for this work matter, the work report is notified to the administrator of the main server 12 from the place of work.

When the administrator of the main server 12 receives this notification and confirms that the user has fulfilled the work matter to the end, he turns on the end confirmation flag of the user in the casting DB 154. End confirmation flag is ON
Then, the main server 12 notifies the settlement server 13 of, for example, the salary for the job and the advance price of the product on the next day. Receiving this notification, the settlement server 13 transfers the salary to the settlement account of the user and withdraws the advance price.

As described above, according to the present embodiment, even if the user does not have the payment price at hand, if the user has the credit line, the user can immediately obtain the product,
The final payment can be made later.
Furthermore, according to the present embodiment, a credit limit is set for a user based on past work performance, so that a user whose past work performance satisfies a certain condition can use the credit settlement. Further, according to the present embodiment, the purchase of a product is displayed as a work item, so that the user can know how long the work item must be performed in order to purchase a desired product. Further, according to the present embodiment, the user can make his or her remaining balance of paying the commodity price out of the wage obtained by working on the job case.

The above embodiment is an exemplification for explaining the present invention, and is not intended to limit the present invention to only this embodiment. The present invention can be implemented in various forms without departing from the gist thereof. For example, the operation of the function realizing means has been described sequentially, but the present invention is not particularly limited to this. Therefore, as long as no inconsistency occurs in the operation, the order of processing may be changed or the operation may be performed in parallel.

[0039]

According to the present invention, even if the user does not have a payment at hand, the user can purchase the goods or enjoy the service first, and the user can work on a predetermined job later. The resulting wages can be used for part or all of the purchase and other costs.

Further, according to the present invention, the price of purchasing a product or enjoying a service is converted into the content of the job or the number of times of employment, so that the desired product can be equivalently exchanged with the purchase of the product and the like. It becomes possible to purchase the product by working, which in turn increases the user's willingness to purchase and work.

[Brief description of the drawings]

FIG. 1 is a diagram showing a schematic configuration of a system for realizing a settlement method using credit according to the present invention.

FIG. 2 is a block diagram illustrating a configuration of a main server according to the embodiment.

FIG. 3 is a diagram illustrating a data structure of a member DB according to the embodiment.

FIG. 4 is a diagram illustrating a data structure of a product DB according to the embodiment.

FIG. 5 is a diagram illustrating a data structure of a work matter DB according to the embodiment;

FIG. 6 is a diagram illustrating a data structure of a casting DB according to the embodiment.

FIG. 7 is a sequence diagram illustrating a schematic operation of a settlement method using credit according to the embodiment.

FIG. 8 is a diagram illustrating an example of a login screen displayed on a display of the mobile phone according to the embodiment.

FIG. 9 is a diagram showing an example of a product purchase screen displayed on the display of the mobile phone according to the embodiment.

FIG. 10 is a diagram showing an example of a job case category list screen displayed on the display of the mobile phone according to the embodiment.

FIG. 11 is a diagram showing an example of a work case list screen displayed on the display of the mobile phone according to the embodiment.

FIG. 12 is a diagram showing an example of a job case detailed information screen displayed on a display of the mobile phone according to the embodiment.

FIG. 13 is a diagram showing an example of a temporary reservation screen displayed on the display of the mobile phone according to the embodiment.

FIG. 14 is a diagram showing an example of a confirmation screen displayed on the display of the mobile phone according to the embodiment.

[Explanation of symbols]

 11 mobile phone 12 main server 13 settlement server 14 trader server 15 database 16 gateway

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification FI FI Theme Court ゛ (Reference) G06F 17/60 400 G06F 17/60 400 426 426 (72) Inventor Juan Manuel Estevez 1-Akasaka, Minato-ku, Tokyo 7-19 Capital Akasaka Bldg. 4th floor Zefir Co., Ltd. F-term (reference) 5B049 BB11 BB46 CC02 CC05 CC06 CC08 CC21 CC36 DD01 DD05 EE01 EE23 FF03 FF04 FF09 GG04 GG07 5B055 BB12 BB20 CB10 CB15 CC10 CC11 EE02 PA21 FB02

Claims (9)

[Claims] 1. A credit frame setting step of setting a credit frame of a user; a purchase application step of presenting information on a product to the user to prompt a purchase application of the product; and a purchase application by the user in this step. In the case, a reservation application step of presenting information on a work case to apply for the price of the product, and prompting a reservation application for the work case, a price of the purchased product, and a setting for the user A determination step of comparing whether or not the commodity can be paid for with the credit line balance by comparing the credit line balance with the received credit line balance; and ,
An instruction step of instructing that the product is provided to the user; a confirmation step of confirming whether the user has fulfilled the work matter for which the reservation has been applied; and confirming that the fulfillment has been completed by this step. A settlement step for settingtle the price of the product based on a wage paid for the work item. 2. The settlement method using credit according to claim 1, wherein said credit limit setting step sets the credit limit based on the user's labor performance with respect to the work matter. 3. The settlement method using credit according to claim 1, wherein the instruction step instructs a company that provides the product. 4. The settlement method using credit according to claim 3, wherein the instruction step further includes a step of paying the merchandise for the merchandise on behalf of the user. 5. The confirmation step for confirming whether or not the user has fulfilled the work item for which the reservation has been made, if the determination step determines that payment is not possible, 2. The settlement method using credit according to claim 1, wherein when it is confirmed that the execution has been completed in the step, the commodity is instructed to be provided to the user. 6. The settlement method using credit according to claim 1, wherein the settlement step notifies the wage and the price of the product to a bank having a settlement account of the user. 7. The credit system according to claim 1, wherein the settlement step includes depositing a balance obtained by subtracting a price of the product from a wage paid for the job matter into a settlement account of the user. Payment method used. 8. A database for managing a credit line set for each user, means for presenting information on a product to a user to prompt the user to apply for a purchase of the product, and Means for presenting information on a work case to apply for the price of the product, and prompting a reservation application for the work case; the price of the purchased product and the balance of a credit line set for the user. Means for determining whether or not the price of the product can be paid by the balance of the credit line, and when it is determined that the product can be paid by this means, the product is provided to the user. Means for instructing the user to provide the job matter, and means for confirming whether or not the user has fulfilled the work item for which the reservation has been made. When certified credit payment system characterized by comprising a means to settle the price of the product based on the paid wages to the work projects. 9. A recording medium on which a program for causing a computer to realize a predetermined function is recorded, the program comprising: a credit frame setting function for setting a user's credit frame; A purchase application function for prompting the user to apply for the purchase of the product; and, when a purchase application is made by the user with this function, information on a work case for applying for the price of the product is presented, and a reservation application for the work case is made. A reservation application function for prompting, comparing the price of the product for which the purchase was applied with the balance of the credit line set for the user, and determining whether the price of the product can be paid by the balance of the credit line. A determination function for determining whether or not payment is possible;
An ordering function for instructing that the product is provided to the user; a confirming function for confirming whether the user has fulfilled the work matter for which the reservation has been applied; and confirming that the fulfillment has been completed by this step. And a settlement function for settingtle the price of the product based on a wage paid for the job matter.