JP2002117337A - System and method for issuing transfer form and recording medium with transfer form issuing program recorded thereon - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a system and a method for issuing a transfer form and a recording medium with a transfer form issuing program recorded thereon allowing easy and rapid transfer settlement work for an electronic commercial transaction payment on a user side and a server side in electronic commercial transaction. SOLUTION: Between a server 10 and user side personal computers 11-13 capable of information communicating with each other via the Internet 14, a predetermined electronic commercial transaction information for performing electronic commercial transaction is supplied to the user side from the server 10 side, while electronic commercial transaction application information is transmitted to the server 10 side from the user side. On the basis of the commercial transaction application information, transfer settlement information corresponding to payment settlement information for transaction is formed in the server 10, and a transfer form having contents corresponding to the transfer settlement information is outputted by the printer 15 for each of the personal computers 11-13 on the user side.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for issuing a transfer sheet for transfer settlement when electronic commerce is performed using a computer network capable of communicating information via a communication line such as the Internet, and the issuance thereof. The present invention relates to a method and a recording medium on which the issuance program is recorded.

[0002]

2. Description of the Related Art In recent years, commercial transactions in which payment information is exchanged electronically over a computer network (hereinafter referred to as "electronic commercial transactions") have become widespread. In such electronic commerce, for example, when a user serving as a user accesses a server on which a desired product is provided from a personal computer owned by the user via the Internet, the server side displays a predetermined product on a display of the user's personal computer. Is displayed. Then, on the product display screen, the user selects a desired product, and transmits information to the effect that the selected product is to be purchased to the server, and the server notifies the user that the information has been received. At the same time, a screen is displayed on the display of the user's personal computer to allow the user to select the payment method for the product by transfer payment or account transfer payment.

[0003] Here, when a user selects a transfer settlement at a bank, a post office, a convenience store, or the like, conventionally, the following two types of transfer settlement procedures are roughly performed. That is, in the first procedure mode, when a transfer settlement is selected by the user, the server side displays on the display of the user's personal computer the name of the transfer settlement institution and the transfer amount required in the transfer settlement procedure. And so on. Therefore, the user goes to the transfer clearing house (for example, a bank, etc.) with the matters relating to the name of the transfer clearing house shown on the display screen of the display being noted,
After filling in the necessary information such as the payer's name and the transfer amount on the provided general-purpose transfer form, submit the completed transfer form together with the price equivalent to the transfer amount to complete the transfer settlement procedure. I was

[0004] In a second procedure, when a transfer payment is selected by a user, the server side displays the name of the transfer institution on the display of the user's personal computer instead of displaying the name of the transfer institution. A transfer sheet on which predetermined items such as the transfer amount are printed is created and output on the server side, and the transfer sheet is sent to a user. Therefore, after the transfer form has been delivered, the user brings the transfer form to a predetermined transfer settlement institution (for example, a bank or the like) and submits the transfer form together with the price corresponding to the transfer amount to perform the transfer settlement procedure. I was

[0005]

However, there are the following problems in the transfer settlement procedure in the electronic commerce described above.

First, in the former (first) procedure mode, there is a problem that the procedure until the transfer settlement is completed on the user side is complicated. That is, for the user, as a prerequisite for performing the transfer settlement, the server side must print out a predetermined item such as the name of the transfer settlement institution displayed on the user's personal computer screen, etc. Even when the applicant goes to a bank transfer settlement institution, the above-mentioned predetermined items must be handwritten on a transfer sheet, and there is a problem that these operations are very complicated.

[0007] In the latter (second) procedure, first, there is a problem that the procedure of issuing the transfer paper on the server side is complicated and costly. In other words, the server that has selected the transfer settlement from the user must create and send a transfer form on which the name of the transfer settlement institution is printed. However, there is a problem that the time and effort required to prepare the transfer paper increases in accordance with the amount of the application, and the mailing cost and the like of the transfer paper also increase. On the other hand, on the user side, since the transfer settlement procedure cannot be taken until the transfer paper is delivered from the server side,
For example, if a transfer date is set as a condition for purchasing a product, the transfer settlement procedure cannot be completed by the set date, and as a result, a desired product may not be able to be purchased. The present invention has been made to solve the above problems, and its purpose is to provide electronic commerce
It is an object of the present invention to provide a transfer paper issuing system, a transfer paper issuing method, and a recording medium on which a transfer paper issuing program is recorded, which allows a user and a server to easily and quickly perform an electronic commerce payment settlement procedure.

[0008]

According to a first aspect of the present invention, an electronic commerce is implemented on a server which is enabled to communicate with a user via a communication line. Information providing means for providing various kinds of information to the user side, and output control means for generating transfer settlement information of the transaction price based on transaction application information of the electronic commerce from the user side and outputting and controlling the information. According to another aspect of the present invention, there is provided a transfer sheet issuing system in which a user can output a transfer sheet having contents in accordance with the transfer settlement information under the control of the output control means.

According to a second aspect of the present invention, in the transfer paper issuing system according to the first aspect, the transfer settlement information includes at least information for printing out a payer name for performing the transfer settlement of the transaction price. The gist was that it was included.

According to a third aspect of the present invention, in the transfer paper issuing system according to the first or second aspect, the transfer settlement information includes a predetermined content among various contents printed on the transfer paper. The gist of the invention is that control information for printing out by bar code display is included.

According to a fourth aspect of the present invention, information communication between a server-side information communication means and a user-side information communication means can be performed via a predetermined communication line, and electronic commerce can be performed from the server side. Information to the user, and the user sends transaction application information for e-commerce to the server, and the server creates transfer settlement information related to the transaction price based on the transaction application information and performs the same. The gist of the present invention is a transfer sheet issuing method in which information is output-controlled to the user side, and the user outputs a transfer sheet having contents in accordance with the transfer settlement information.

According to a fifth aspect of the present invention, in the transfer paper issuing method according to the fourth aspect, the transfer settlement information includes:
The gist is that at least information for printing out the name of the payer who performs the transfer settlement of the transaction price is included.

According to a sixth aspect of the present invention, in the transfer paper issuing method according to the fourth or fifth aspect, the transfer settlement information includes a predetermined content of various contents printed on the transfer paper. The gist of the invention is that control information for printing out by bar code display is included.

According to a seventh aspect of the present invention, there is provided a server-side computer system capable of communicating information with a user via a communication line, a procedure for providing various types of information for executing electronic commerce to the user. A step of generating transfer settlement information relating to the transaction price based on the transaction application information of the e-commerce from the user side, and controlling the output of the information so that the user can output a transfer sheet having contents in accordance with the information. The gist of the present invention is a computer-readable recording medium on which a transfer paper issuing program to be executed is recorded.

According to an eighth aspect of the present invention, in the recording medium according to the seventh aspect, the transfer settlement information includes at least information for printing out a payer name for transfer settlement of the transaction price. The point is that it is.

According to a ninth aspect of the present invention, in the recording medium according to the seventh or eighth aspect, the transfer settlement information includes a bar for a predetermined content among various contents printed on the transfer paper. The gist is that control information for printing out by code display is included.

[0017]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention embodied in a transfer paper issuing system in electronic commerce will be described below with reference to the drawings.

As shown in FIG. 1, a server system (for example, an outsourcing company or the like) that manages the electronic commerce system according to the present embodiment (hereinafter, referred to as a “server”) 10 and the computer system 10 described above. Information external terminal devices (hereinafter, referred to as “PCs”) 11, 12, and 13 functioning as information communication means on the side of a user who purchases a product using the system communicate with each other via the Internet 14 as a communication line. Connected for communication. The personal computers 11 to 13 on the user side
Is provided with a keyboard, a mouse, a display, etc. (not shown). The user can access the server 10 based on operations of the keyboard and the like, and various information transmitted from the server 10 is displayed on the display. It is displayed. Further, a printer 15 as transfer paper output means is connected to each of the personal computers 11 to 13 on the user side.

On the other hand, the server 10 comprises a CPU and the like, and a control device 1 as information providing means and output control means for controlling each part, transferring data, performing various calculations and the like.
6 are provided. And, in this control device 16,
Transmission / reception control means 17 for controlling data transmission / reception (transmission / reception of information) with the personal computers 11 to 13 connected via the Internet 14 is connected. The control device 16 has various databases 18 and 19 described later.
In addition, a storage device 21 that reads and stores the transfer paper issuing program from a recording medium (CD-ROM or the like) 20 on which the program is recorded via a reading device (not shown).
Are connected, and the database 18 and the like and the storage device 21 constitute an information storage means. The storage device 21 stores an operation software program of the server 10 in addition to the transfer paper issuing program, and various information transmitted from the personal computers 11 to 13 and various information by the control device 16. The operation contents are temporarily stored.

Among the databases 18 and 19, the electronic commerce database 18 (illustrated as an electronic commerce DB in FIG. 1) stores various kinds of electronic commerce information provided for the user to apply for an electronic commerce transaction. Registered as a commercial transaction information file. That is, this e-commerce information file contains "health promotion", "property formation",
Various e-commerce menus such as "care", "child care", "self-improvement / hobby course", "refresh", and "daily life" are registered. Then, for each menu, e-commerce information such as a menu name, a fee, a menu number, and features of the menu is registered.

In the transfer paper database 19 (shown as a transfer paper DB in FIG. 1), the format information of the transfer paper used when performing the payment settlement of the electronic commerce is registered as a format file. That is, this format file includes, in advance, an alliance with the outsourcing business of the server 10 and each of the transfer settlement institutions (banks, post offices, convenience stores, etc.) that can use the transfer paper created and output from the printer 15. Etc.), the format information of the designated transfer paper for each is registered.

Next, the processing procedure of the transfer settlement procedure in the transfer paper issuing system configured as described above will be described with reference to the flowchart shown in FIG. In the following description, a person who operates each of the personal computers 11 to 13 on the user side to apply for a transaction of electronic commerce is referred to as a use applicant. In the following, the personal computer 11 shown in FIG.
Is operated, first, a menu called “refresh” is selected from each electronic commerce menu, and further,
Based on the premise that the purchase of a cheap ticket is selected from various services included in the menu of "refresh", the process until the transfer settlement of the purchase price of the selected cheap ticket is completed based on the flowchart shown in FIG. Shall be explained.

When the user's personal computer 11 accesses the server 10 via the Internet 14 based on the operation of the user, the controller 16 causes the display of the personal computer 11 to select an electronic commerce menu. A menu screen is controlled to prompt the user to select one of the menus (step (hereinafter abbreviated as “S”) 101).
There are seven menu screens displayed at this time: “health promotion”, “property formation”, “care”, “child care”, “self-development and hobby courses”, “refresh”, and “daily life”. It is assumed that the e-commerce menu is displayed, and a description of each menu is displayed.

Here, as described above, the use applicant selects “refresh” from the electronic commerce menus, further selects a cheap ticket purchase from “refresh”, and displays the selected information. It is assumed that the data is transmitted to the server 10. Then, the control device 16 that has detected the reception of the selection information reads out the electronic commerce information corresponding to the cheap ticket information from all the electronic commerce information registered in the electronic commerce database 18. At the same time as performing control to display a detailed menu screen listing display information on one or more cheap tickets based on the read information on the display of the personal computer 11, the user can select a cheap ticket that meets his / her wish. (S102). On the detailed menu screen, detailed information such as a destination, an airline name, a ticket fee from the departure / arrival point to the destination, and the like are displayed.

[0025] Here, when the user selects a desired cheap ticket on the detailed menu screen on the display and performs a selection operation on the screen to request progress of screen display, the control device 16 Control is performed so that the transaction application screen is displayed on the display of the personal computer 11, and the user is prompted to input predetermined information on the screen (S103). This transaction application screen displays fields for inputting information about the user, such as the name, gender, age, and contact information of the user. Also, on the transaction application screen, fields for entering various information for conducting electronic commerce such as the menu number to be transacted, the date of use, the desired airline, flight number, the section of use, the ticket destination, etc. are displayed. I have.

[0026] Then, when the use applicant inputs necessary items to each field of the transaction application screen and transmits the input information to the server 10, the control device 16 temporarily stores the input information. It is stored in the device 21. Further, the control device 16 reads the input information from the storage device 21 and controls the display of the personal computer 11 to display an application content confirmation screen displaying the content based on the input information (S104). The user is prompted to confirm whether there is an error in the display contents (S105).

The application content confirmation screen displays information such as the name of the user, gender, age, contact information, menu number, date of use, desired airline, flight number, use section, ticket destination, and the like. Then, if there is no error in the display contents on the screen, the intent to transmit the electronic commerce is transmitted (YES in S105). Then, the control device 16 causes the storage device 21 to temporarily store various information on the use applicant and the like displayed on the application content confirmation screen as transaction application information.

Here, if there is an error in the display content of the application content confirmation screen, cancellation or change information is transmitted (NO in S105). Then, the control device 16
Returning to S103, the transaction application screen is redisplayed on the display of the personal computer 11, and the user is prompted to re-enter each field. Thereafter, the processing up to S105 is similarly performed.

If the result of the determination in S105 is affirmative (YES), that is, if the intention indication information has been transmitted, the server 10 uses the cheap ticket seller affiliated with the present system. A procedure is taken to purchase the cheap ticket on behalf of the applicant who has applied for the purchase. For example, when information for purchase application is transmitted from the control device 16 to the information terminal device on the ticket seller side (not shown), and the purchase procedure is completed,
Confirmation information of the completion of the procedure is returned to the control device 16 of the server 10.

Then, the control device 16 on the server 10 side
The transaction application information stored in the storage device 21 is read in order to notify the display of the user's personal computer 11 that the transaction application procedure has been completed, and a transaction result notification screen based on the read information is displayed. Then, control is performed (S106). In this transaction result notification screen,
Information that allows confirmation of the use applicant name, menu number, use date, airline name, flight name, use section, ticket destination, and the like is displayed.

Subsequently, when the use applicant performs a predetermined operation indicating that the content has been confirmed on the transaction result notification screen, the control device 16 controls the display of the payment settlement screen for payment on the display of the personal computer 11. Perform (S10
7). On the payment screen, the information (payment) required for payment, such as the name of the payer of the cheap ticket (the name of the applicant), the price of the cheap ticket, the payment date, the e-commerce menu name, and the name of the payee Payment information) is displayed. In addition, the recipient of the price manages the server 10, that is,
It is set as the outsourcing company that manages this system. Further, an output button for transmitting transfer sheet creation request information based on the price settlement information displayed on the screen to the server 10 is displayed on the price settlement screen.

When the output request button is clicked on the payment settlement screen and the creation request information is transmitted to the server 10, the control device 16 in the server 10 registers the information in the transfer paper database 18. From all of the format information, the format information of the transfer paper corresponding to the payment settlement institution (convenience store in this embodiment) is read out.

The payment information is incorporated into the format information of the transfer paper based on the read information,
Creates payment information including information on the name of the payer, the price of the cheap ticket, the payment date, the name of the e-commerce menu, the name of the payee, and the like.
1 to display on the display (S
108). Then, when the use applicant performs a predetermined print instruction operation on the personal computer 11, the control device 16 of the server 10 causes the user's printer 15 connected to the personal computer 11 to output the content according to the transfer settlement information. Control is performed so that the transfer paper is created and output (issued) (S10)
9).

As shown in FIG. 3, the transfer paper 23 describes the name of the payer, the price of the cheap ticket, the payment date, the name of the e-commerce menu, the name of the payee, and the like. Further, there are provided a payment slip part 23a for submission to the outsourcing business on the server 10 side, a payment slip part 23b for copy stored in a convenience store, and a payment receipt part 23c returned to the use applicant. . It should be noted that the payment slip portion for submission 23a and the payment slip portion for copy 2
3b and the payment receipt part 23c can be easily cut from the transfer paper 23 by perforations 23d. Further, the payment slip part 23a for submission contains barcode information indicating predetermined contents of the e-commerce contents related to the transfer settlement, for example, the address of the payer, the e-commerce menu name (purchase of a cheap ticket in the present embodiment), and the like. 23e. Then, the use applicant can carry out the transfer settlement procedure by bringing the transfer paper 23 together with the transfer fee to the convenience store and submitting it.

Therefore, at the convenience store, the barcode 23e of the payment slip part 23a for submission is read by the dedicated reader, and the transfer fee is received from the user. At this time, at the same time as reading the barcode 23e,
The detailed information such as the e-commerce menu name is input to a computer system relating to the transfer business of a convenience store. Then, the convenience store side collects the payment slip part 23a for submission and the payment slip part 23b for copy,
The payment receipt 23c is returned to the user. On the other hand, the payment paid for the convenience store and the payment slip portion for submission 23a are paid from the convenience store to the outsourcing company that manages the server 10, and the outsourcing company pays the ticket seller.

Therefore, according to the above embodiment, the following effects can be obtained. (1) After the electronic commerce, the transfer paper 23 describing the name of the payer required for the transfer procedure is printed from the printer 15 installed on the user side, and the transfer paper 23 and the price are submitted to a predetermined transfer clearing house. This completes the payment for the electronic commerce. Therefore, the server 10 side has to save the necessary information at the time of the transfer procedure displayed on the display of the user's personal computer 11 by the user at the user side, or transfers the contents of the copy at the transfer settlement institution to which the transfer has been made. Unlike the conventional method that requires time and effort to write by hand on a sheet, it is possible to simplify the e-commerce transaction transfer settlement work.

(2) Immediately after the application for the electronic commerce is completed, the user makes a transfer sheet 23 printed from the printer 15.
Can be obtained, and the transfer of the payment, that is, the payment can be immediately performed using the transfer paper 23. Therefore, unlike the conventional method in which the transfer paper printed on the server 10 is sent from the outsourcing company, the time and labor for sending the transfer paper 23 can be omitted, and the time until the completion of the payment settlement of the electronic commerce can be reduced. can do. Further, the mailing cost of the transfer paper from the server 10 side to the user side can be eliminated, and the outsourcing business side can reduce the cost of electronic commerce.

(3) Also, while the transfer paper is mailed from the server 10 side, the payment settlement is not completed beyond the payment transfer date, the electronic commerce is invalidated, and it becomes impossible to obtain the transaction product. Unlike in the past where there was a risk that the transfer form 23 could be obtained immediately after the transaction application was completed,
Such a problem can be prevented from occurring.

(4) Even when transaction applications from a large number of use applicants are made in a concentrated manner on the server 10 side, the transfer paper corresponding to each application is sent from the printer 15 provided by each user application user. Is output. Therefore, unlike the related art in which the server 10 sends the transfer paper to each of the use applicants, the work cost for the payment on the server 10 can be reduced.

(5) Also, unlike the conventional method, the server 10 has to write down the name of the transfer settlement institution, the amount of the transfer, etc. displayed on the personal computer 11 of the user, and write the details of the copy on the transfer form again. It is possible to eliminate the possibility that a mistake is made in making a copy or filling in a transfer form and incorrect information is written on the transfer form. Therefore, the payment can be accurately performed, and the occurrence of a trouble in the settlement of the electronic commerce can be prevented.

(6) Information of predetermined contents indicating, for example, the address of the payer is printed in a bar code 23e on the submitting payment slip portion 23a of the transfer paper 23. for that reason,
By reading the barcode 23e with a reader, it is possible not only to simplify the transfer business at a transfer settlement institution (such as a convenience store), but also to inform others at a payment window or the like of the transfer settlement institution (such as a convenience store). It is also possible to prevent privacy information, etc. that is not desired to be exposed from being exposed to other people's eyes.

Each of the above embodiments may be embodied by changing to the following alternative examples. In the embodiment, the perforations 23d are formed in the transfer paper 23, but the perforations 23d may be omitted.
Instead of 3d, only an indication such as “cutting position” may be provided at the cutout portion. In the embodiment, the transfer paper 2
3 was printed with a bar code 23e.
May be omitted and the address of the payer or the like may be printed on the transfer paper 23.

In the embodiment, the personal computers 11 to 1 serve as information communication means (information external terminal devices) on the user side.
3 was used, but in addition to personal computers, mobile phones, PHS
(Personal handy phone system), information communication between the server 10 side and the user side may be performed using a mobile device or the like.

In the embodiment, the case where “refresh” is used as the electronic commerce menu has been embodied.
"Health promotion", "property formation", "nursing care", "child care",
The above-described system may be used when using “self-development / hobby courses”, “daily life”, and the like.

In the embodiment, the transfer paper 23 in a format corresponding to the convenience store is printed.
A transfer paper in a format designated by a bank or post office previously affiliated with the outsourcing business may be printed.

[0046]

As described in detail above, according to the present invention,
In electronic commerce, the user and the server can easily and quickly perform an electronic commerce payment transfer settlement procedure.

Further, since necessary items including at least the payer's name are printed out on the transfer paper, not only the trouble of handwritten entry on the transfer paper, etc. is eliminated, but also entry mistakes and the like can be eliminated, and troubles in payment settlement can be avoided. Can be prevented.

Further, since predetermined contents of the necessary items are printed on the transfer paper by bar codes, not only the procedure at the transfer clearing house can be simplified, but also privacy information can be protected. .

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing a transfer paper issuing system according to an embodiment.

FIG. 2 is a flowchart until a transfer sheet is issued.

FIG. 3 is a diagram showing a transfer sheet.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 10 ... Server (information communication equipment), 11-13 ... Personal computer (information communication equipment), 14 ... Internet (communication line), 15 ... Printer (transfer form output means), 16 ... Control means (information provision means, output control means) ), 18: e-commerce database (information storage means), 19: transfer paper database (information storage means), 21: storage device (information storage means), 23: transfer paper, 23e: bar code.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 19/00 300 G06F 19/00 300J // B41J 29/38 ZEC B41J 29/38 ZECZ

Claims (9)

[Claims] 1. An information providing means for providing various information for performing an electronic commerce to a user side to a server side capable of communicating information with the user side via a communication line, and an electronic commerce from the user side. Output control means for creating transfer settlement information of the transaction price based on the transaction application information and controlling the output of the information, and transferring the contents according to the transfer settlement information on the user side under the control of the output control means. Transfer paper issuance system to output paper. 2. The transfer paper issuing system according to claim 1, wherein the transfer settlement information includes at least information for printing out a payer name for performing the transfer settlement of the transaction price. 3. The transfer settlement information includes control information for causing a predetermined content of various contents printed on the transfer paper to be printed out by a barcode display. 2. The transfer paper issuing system according to 2. 4. An information communication between a server-side information communication means and a user-side information communication means via a predetermined communication line, and various kinds of information for carrying out electronic commerce are transmitted from the server side to the user side. And the user sends the transaction application information of the e-commerce to the server side, and the server creates transfer settlement information related to the transaction price based on the transaction application information and outputs the information to the user side So that
A transfer sheet issuing method in which a user outputs a transfer sheet having contents in accordance with the transfer settlement information. 5. The transfer paper issuing method according to claim 4, wherein the transfer settlement information includes at least information for printing out the name of a payer who performs the transfer settlement of the transaction price. 6. The transfer settlement information includes control information for causing a predetermined content of various contents printed on the transfer paper to be printed out by a barcode display. 5. The transfer paper issuing method according to 5. 7. A server-side computer system capable of communicating information with a user via a communication line,
A procedure for providing various types of information to the user for conducting electronic commerce and a transfer settlement information relating to the transaction price based on the transaction application information of the electronic commerce from the user side, and a transfer according to the information. And a computer-readable recording medium for recording a transfer paper issuing program for executing a procedure for controlling the output of the information so that the user can output the paper. 8. The recording medium according to claim 7, wherein the transfer settlement information includes at least information for printing out a payer name for performing the transfer settlement of the transaction price. 9. The transfer settlement information includes control information for printing out predetermined contents among various contents printed on the transfer paper by barcode display. 9. The recording medium according to 8.