JP2002133342A - Center processing device of electronic commerce - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a device capable of settlement processing by an operation on the net with regard to an electronic commerce, thereby shortening time needed for the processing and allowing a sales transaction without anxiety by allowing a seller and a buyer a higher mutual credit guarantee than a current service at completion of a transaction. SOLUTION: A center processing device 5 is capable of sending and receiving information to and from each terminals 1 and 4 of the seller and the buyer via net lines. The center processing unit 5 comprises storing means for storing settlement account information and credit accommodation basic information of a seller 4 and a buyer 1, and control means for receiving the sales transaction information when the sales transaction is established between the seller 4 and the buyer 1 (step 6), giving confirmation of the sales transaction based on the credit accommodation basic information (step 7), and giving instructions for processing of sending a sales amount to the settlement account of the seller 4 and withdrawing the sales amount from the settlement account of the buyer 1.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a technology that enables both sellers and buyers to conduct electronic commerce with peace of mind.

[0002]

2. Description of the Related Art In recent years, in electronic commerce for commodities transactions using the Internet, various troubles have occurred since neither sellers nor buyers can see their faces.

[0003] For example, as a trouble on the part of the buyer, the money was transferred but the product was not sent, the product was sent but a defective product was sent, or the returned product was different from the displayed one. The typical case is that the price is not returned.On the other hand, as a trouble on the seller side, there was an instruction to buy, but the price was not sent forever, the product was returned from the buyer but was damaged etc. Is a typical case.

[0004] To solve these problems, an intermediary service called an escrow service has been adopted. This service, when the sale is completed,
Both the buyer and the seller select an optional escrow service provider, the buyer transfers the price to the escrow service provider, and when the escrow service provider confirms the transfer, notifies the seller by e-mail and the seller confirms the e-mail At that stage, the goods are sent out, the buyer who received the goods notifies the escrow service provider by e-mail, and if the buyer does not specifically request a return, the escrow service provider will transfer the price to the seller. is there. If you use such services,
Since the escrow service provider stands during the sales transaction, both the buyer and the seller can conduct the transaction with confidence.

[0005]

However, even if this service is used, the following problems remain.

[0006] First, even when using this service, the buyer needs to perform a transfer operation of the price. That is, not all operations of buyers in electronic commerce are completed by operations on the Internet.

[0007] Further, the transfer of the price is not performed immediately from the operation on the net (indicating purchase intention), but a time lag always occurs. Therefore, the transfer of the buyer by the escrow service provider must be confirmed. Consider some period. For this reason,
The process up to the shipment of the product cannot be performed in a short period of time.

[0008] From the viewpoint of the seller, even if the buyer makes a mischievous indication of purchase, the only thing that can be understood is that after a predetermined period in which it can be confirmed that there is no remittance, the buyer is not trusted until then. There is no difference from the past in that there is no alternative. For this reason, the seller cannot sell the product to another person until the transfer is confirmed and an email to that effect is received, and the seller wants to sell out the product immediately (for example, a product with a consumption expiration date or a short period of time). In the case of an auction, the use of an escrow service leaves complaints about the utility.

[0009] On the other hand, the worst concern of the buyer is that the goods may not arrive despite the payment, which is certainly guaranteed by the escrow service. The second concern, whether or not you're getting what you want, is still the seller's trust. That is, for example, even if the seller is a regular seller of inferior goods, the buyer cannot make the determination unless he / she has received and confirmed the product. Of course, as a buyer, you can return the product and collect the price, but since it requires complicated negotiations and procedures (such as requesting a return, checking the return expiration date, and paying shipping costs) for the return, Can even be unintentional but not even dare to return.

[0010] Further, even if the seller sends a legitimate product, if the buyer does not comply with the wishes, a procedure such as return is performed, but if the returned product is damaged, the process is as follows. Basically, it is negotiated between the seller and the buyer, and the escrow service provider is not involved.

The present invention has been made in view of the above-mentioned problems of the current escrow service, and enables the settlement processing to be performed by operating the Internet as much as possible, thereby shortening the time required for the processing. The purpose is to provide a technology that allows sellers and buyers to make purchase and sale transactions with peace of mind by obtaining mutual credit guarantees at the conclusion of transactions, in addition to the current services, and thereby contributing to the development of sound e-commerce. It is.

[0012]

Therefore, an electronic commerce center processing apparatus according to the present invention is a center processing apparatus capable of exchanging information with sellers and buyers via a net line, and is provided for settlement of sellers and buyers. Storage means for storing account information and basic information on credit provision, and when a sales transaction is established between a seller and a buyer, the sales transaction information is received,
Based on the credit basic information, give approval of the trading transaction, and, based on the settlement account information, instruct a process of transferring the trading value to the seller's settlement account and a process of withdrawing the trading value from the buyer's settlement account. And control means for performing the control.

Here, the settlement account information refers to information relating to a designated account of a remittance destination of a trading value (for a seller) or a withdrawal destination of a trading value (for a buyer).
Specifically, the information includes a financial institution name, a branch name, an account type, an account number, an account holder, and the like.

[0014] Further, the credit providing basic information refers to any information that serves as a basis for objectively judging whether or not it can be a seller or a buyer in conducting a business transaction. It refers to any information such as attribute information disclosed by itself, general credit transaction results, and e-commerce history information (the information may be selected or any evaluation information based on such information).

[0015] Further, the sales transaction information refers to information that can specify the sales transaction, and includes information including at least the identification information of the seller and the buyer and the sales price. If necessary, the name of the traded site, the type of product or service (for example, whether it is a mail-order product or a prepaid reservation at a hotel or the like), a cancellation condition, and the like may be included.

The electronic commerce via the center processor according to the present invention will be described. First, in order to become a seller and a buyer, it is necessary to store its own settlement account information and basic credit provision information in the storage means of the center processor. is there. It is necessary for the user to disclose the settlement account information. However, as for the basic credit provision information, information other than the attribute information may be arbitrarily collected and stored in the center processing device.

For example, if a seller and a buyer are both users whose information is stored in the storage means when a product, which is an online auction, is auctioned off, if either the seller or the buyer receives sales transaction information ( (Including a net auction name, an auction number, a purchase price, a seller's selling information, and a buyer's purchase information) together with their own identification information to the center processing device via a net line. The center processing device that has received the information determines whether the buyer has the ability to pay the purchase price and whether the seller and the buyer have trouble history based on the basic credit provision information of both parties, by the control means. If not, an evaluation is made to approve the transaction. This approval evaluation will be sent to the seller and the buyer, and upon receiving this approval, the seller will send the product to the buyer. After the approval has been made (after receiving a notice of the receipt of the goods from the buyer in order to further secure the transaction completion), the center processing device sends the trading value to the seller's settlement account based on the settlement account information. A command for a remittance process and a command for a process for withdrawing a trading value from a buyer's settlement account are issued. According to these instructions, settlement processing of the sale is performed.

As described above, the center processing device according to the present invention approves the settlement guarantee of the sales transaction of the electronic commerce, and this judges the credibility of the other party of the electronic commerce that cannot see each other. Therefore, buyers and sellers can conduct transactions with confidence.

Further, all the buyers can complete the settlement process only by operating on the net, and there is no need for the process of remittance themselves. For this reason, the time until the commodity is received is shortened.

[0020]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Specific embodiments of the present invention will be described with reference to the drawings. The following embodiment is merely an example, and it goes without saying that the present invention is not limited to this embodiment.

FIG. 1 is a schematic diagram showing a configuration example of an electronic commerce system using a center processing apparatus according to the present invention, wherein 1 is a buyer's net terminal, 2 is a net line, and 3 is a net transaction side Web server. Reference numeral 4 denotes a seller-side net terminal, and reference numeral 5 denotes a center processing device-side Web server.

In the present embodiment, the center processing apparatus-side Web server 5 is operated and managed by an arbitrary credit card company, and members of the credit card company can use the present system. For this reason, the person who wants to become a member presents the predetermined attribute information and the settlement account information desired by the center processing device side when becoming a member of the credit card company, and based on the credit information of the center processing device side. After the examination described above, a member number serving as identification information is assigned. The person given this member number becomes a seller or a buyer of the electronic commerce related to the present system. Therefore, the payment settlement of the buyer member is
Credit processing is performed within the credit limit of the credit card company. In addition, a member of the present system provides a member identification information, which is set in a separate frame from a normal credit card member number, for exclusive use of a network transaction that does not issue a card (this is referred to as an e-credit number), and a personal identification number. And an encryption key for encrypting the recognition information and an automatic storage applet including encryption software and transmission / reception data creation software. By operating the applet, a system is provided in which a commercial transaction can be performed by exchanging information such as an encrypted credit number. (This is called e-credit settlement). Note that the same processing may be performed on the member stores of the credit card company if they become the seller of the present system.

The buyer-side net terminal 1 and the seller-side net terminal 4 are connected to the center processing device Web server 5 via the network line 2 by a communication control means capable of exchanging information and a PC, PDA, mobile phone, etc. having a Web browser. However, other special devices such as a game machine, a TV, a set-top box, and a Web server having similar functions may be used.

Although the Internet 2 is assumed to be the Internet, it may be a specific network, for example, an intranet.

The Web server 3 on the trading side is a server that manages and manages a site that provides merchandise information. In this case, the Web server 3 also manages and manages a virtual auction site as well as a virtual mall.

As described above, the center processing apparatus side Web server 5 is a server functioning as a center processing apparatus of a credit card company, and is responsible for exchanging information with sellers and buyers via the network 2. That is, this We
The b server 5 is a unit that takes charge of one function of the center processing device. The center processing device includes a large-sized computer in addition to the Web server 5, and the computer stores data for storing member identification information, attribute information, credit information, electronic transaction history information, settlement account information, and the like. And a processing instruction for giving a transaction approval to any trading transaction based on the stored information and for transferring a trading value to the seller's payment account based on the payment account information, and a buyer's payment account. And a control unit for issuing a command for a process of withdrawing the trading value from the customer.

Next, an example in which a net auction is performed in the present system having the above configuration will be described with reference to FIGS.

As described above, sellers and buyers who want to use the present system in the net auction on the web server 3 on the net transaction side need to become members of the system as described above. 4 to net line 5
Then, the user is connected to the center processing apparatus-side Web server 5 through the server, discloses predetermined attribute information, transmits the attribute information, and undergoes an admission examination. Based on the received attribute information, the center processing device performs an enrollment examination while referring to the credit information, and if the conditions are satisfied, an approval mail is sent from the Web server 5 to each of the terminals 1,4.
Reply to. Receiving this e-mail, the applicant applies to Web server 5
(In the case of a general credit member, a series of operations is performed since the credit authorization is normally confirmed immediately after confirmation of the credit use history), and the applet in which the e-credit number, the password, and the encryption key are described is received. (This applet is automatically stored in the storage unit of the terminal upon reception).
Receiving this applet completes the enrollment procedure, but if you want to change your encryption key or PIN,
The user may connect to the Web server 5 again and perform a predetermined operation.
In addition, such an enrollment procedure operation is based on existing credit
The card member or the member store may perform it when a commercial transaction occurs.

It is assumed that a member of the present system connects the terminal 1 to the Web server 3 on the Internet transaction side, searches for a desired product on the Internet auction site, finds a product sold by another member, and auctions off. (Process
(1)). At this time, the trade completion information is received from the Web server 3 (step (2)). Then, e-credit settlement is selected as the settlement (for example, a command button is displayed on the net auction site screen and click selection is performed), and transmitted to the seller's terminal 4 (step (3)). If so, the seller returns the encrypted e-credit number of the seller (step (5)).

[0030] When the buyer connects to the Web server 5 by this reply, the buyer's terminal is automatically replied from the Web server 5.
The applet stored in 1 is automatically started, and the applet is used to execute the sales information (auction name, auction No, trading value) and the self (buyer) recognition information (e).
(Credit number and personal identification number) are encrypted, and the encrypted information (including the seller's e-credit number) is transmitted (step (6)).

On the side of the center processing device, after decoding the information received by the Web server 5, based on the buyer and seller information stored in the storage section of the computer, the transaction as shown in FIG. Conduct an approval review for. That is, it checks whether the buyer's e-credit number is valid,
If valid, check to see if the transaction was sent the first time (if it was sent many times), if so, check if the transaction value is within the buyer's credit limit, If it is within the credit limit, the buyer checks whether it has been blacklisted in the past, and if not, checks whether neither the buyer nor the seller has trouble in e-commerce in the past, if not , A transaction completion command is issued, and an approval number is given. If at least one of these check items does not satisfy the requirements, a command to fail the transaction is issued.

When the approval number is given, the approval number is passed from the center processing apparatus Web server 5 to the buyer and is also transmitted to the seller terminal 4 by e-mail. However, if the transaction is unsuccessful, the command is sent (step
(7)). The seller that has received the approval number ships the product targeted for the transaction to the buyer within a predetermined time limit (step (8). In FIG. 3, the seller sends the product by carrier). If the product is electronic information such as an electronic ticket or an electronic coupon, it is transmitted via a communication line, and the center server Web server 5 is notified by e-mail (step (9)). If the buyer is satisfied with the product, the buyer notifies the center processing apparatus Web server 5 of the acceptance confirmation by e-mail, and if the customer is not satisfied, notifies the center processing apparatus Web server 5 by e-mail (step (10)). Return the goods to the seller.
The cancellation fee may be set to be different in stages (for example, after the cooling-off period within the cooling-off period before the arrival of the product has elapsed, or in the case of a reservation system, one week before the service three days before the service-in or immediately before the service-in). Anyway, in any case, the commission is automatically deducted from a predetermined account on a predetermined date by a credit settlement process on the center processing device side and paid to the seller.

When the center processor receives the acceptance notice, the buyer's designated account (account registered in the account information) is transferred from the designated account (account registered in the account information) to the credit card account on a predetermined settlement date based on the buyer's and seller's account information. A command is output to debit the transaction value and remit the transaction value from the credit card company account to the seller's predetermined account (account registered in the account information) (in some cases, the command is stored in the storage unit). And may be output as automatic transfer (or transfer) data on a predetermined date before the settlement date). Based on this output value, the financial institution of each designated account is notified, and the settlement processing is completed.

On the other hand, if a cancellation notice is received, the reason is confirmed (for example, attached to a cancellation mail or exchanged individually by e-mail), and when it is judged that there is a problem with the seller (for example, inferior goods). There is
In the case of a product that is clearly different from the display, a predetermined rank is assigned, and stored as trouble history information in the storage unit. In the case of exceeding the predetermined rank, the approval of the system as a seller is suspended, and the qualification of the member is deleted if necessary. Conversely, when there is a problem with the buyer, for example, when it is confirmed that circumstances such as intentionally damaging the product and canceling the product, the same treatment as that of the seller is taken. If it is necessary to compensate the seller for the damaged product, the credit card company may process it by insurance, etc. Of course, in such a case, the buyer's membership etc. will be deleted Penalties apply. Of course, these negative evaluations are reflected not only in the range of e-credits but also in credit information of general credit cards. In this way, both sellers and buyers are subject to penalties for fraudulent transactions, so at least for members using this system, there is a function to suppress fraudulent transactions. It works.

As described above, in the present system, the e-credit number is dedicated to e-commerce, which is different from the general credit card number. The escrow service has increased reliability and immediacy linked to the credit of the escrow service. Moreover, as is clear from the above processing examples, the center processing apparatus of the present embodiment not only has an escrow service in electronic commerce and a function of performing a credit settlement process, but also has a function of a buyer and a seller. It also functions as an accreditation body that objectively determines whether or not it can trade properly and as an organization that suppresses unauthorized transactions.

In the center processing device of the present system, it is assumed that credit settlement is performed.
It is not always necessary to rely on credit settlement. For example, a member is provided with a pre-payment (deposit, etc.) in his / her own account, and is provided with a so-called debit (immediate settlement processing) function for performing settlement processing within that range. Or a system in which information (for example, electronic money) having a value is included when a buyer transmits sales transaction information to the center processing device, and settlement processing is performed at the value. It may be. In addition, even when the seller is a virtual mall member store, the system can be sufficiently used. In such a case, the credit rank of the seller member store evaluated by the center processing device is evaluated. The information may be displayed on the site, and the buyer side may be provided with material for determining the creditworthiness of the transaction in advance.

According to the system of the present embodiment, the following significant effects are recognized.

First, the important information including the member number (or member number) of the buyer / seller is encrypted by the electronic commerce applet including the encryption function with the encryption key of the present invention even in the general net processing and the e-mail processing. It is processed as it is, and the escrow function is also fulfilled,
Secure commerce data exchange and settlement are realized.

Next, it is not necessary for the buyer to transfer money, and an epoch-making effect that a desired product can be purchased only by operating the terminal 1 is recognized. In addition, since the payment transfer operation becomes unnecessary, the confirmation work becomes unnecessary, and the period until the commodity arrives is shortened, so that the desired commodity can be obtained earlier. Then, since the reliability of the seller can be determined by the center processing device, electronic commerce can be performed with confidence.

On the other hand, the seller can immediately send out the merchandise upon receipt of the transaction approval notification, so that the merchandise that he / she wants to sell out in a short period of time can be added to the electronic commerce with confidence. In addition, in addition to having the center processor determine the buyer's reliability,
After the transaction has been approved, the trading value is, as it were, guaranteed by the credit card company by providing credit to the buyer, and compensation for damages upon return can be considered, so you can feel confident in your product. It can be sold as an e-commerce target.

Above all, the center processor has a function of storing and referring to the transaction histories of both the buyer and the seller, and a function of penalties and the like. It is possible to prevent an attempt to use the blind spot to perform an illegal transaction.

[0042]

As described above, according to the electronic commerce center processing apparatus of the present invention, most of the settlement processing (especially for the buyer) can be performed by operating on the Internet, and thus the processing is required. Can save time,
The buyer can get the desired product as soon as possible,
The seller will be able to sell the goods immediately.

Further, since the center processing device determines both the buyer and the seller and approves the transaction, both the buyer and the seller can conduct electronic commerce with peace of mind. Moreover, in the center processing device, it is possible to store the transaction history information as the basic credit providing information and to approve the transaction based on the information. By constructing such a system, it is possible for the buyer and the seller to ,
It has also become possible to curb the willingness to conduct fraudulent transactions.

Therefore, according to the electronic commerce system in which the center processing device is used, an extremely healthy transaction is performed. In other words, the center processing device is sufficient for the sound development of the electronic commerce. It is a technology that can contribute.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing an outline of an entire system according to an embodiment.

FIG. 2 is a diagram illustrating, in a table format, a processing flow of a net auction in the system according to the embodiment.

FIG. 3 is a diagram for explaining the processing flow in FIG. 2;

FIG. 4 is an approval flow of a sales transaction in the center processing device.

[Explanation of symbols]

 1 Buyer's terminal 2 Network line 3 Web server on the Internet transaction side 4 Seller's terminal 5 Web server on the center processor

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme court ゛ (Reference) G06F 17/60 418 G06F 17/60 418 424 424 512 512 512 G09C 1/00 660 G09C 1/00 660B

Claims (6)

[Claims] 1. A center processing device capable of exchanging information with sellers and buyers via a net line, comprising: storage means for storing settlement account information and basic credit provision information of sellers and buyers; When a sales transaction is completed between the seller and the seller, the sales transaction information is received, the approval of the sales transaction is given based on the basic information on credit provision, and the trading value is remitted to the seller's settlement account based on the settlement account information. A center processing device for electronic commerce, comprising: control means for instructing a process and a process of withdrawing a trading value from a buyer's settlement account. 2. Control means for transmitting a trading value to a seller's settlement account based on the settlement account information and for debiting the trading value from the buyer's settlement account based on the settlement account information after receiving a notice of acceptance of the transaction object from the buyer. 2. The electronic commerce center processing apparatus according to claim 1, wherein 3. The settlement account included in the settlement account information is a credit account, and a process of remittance of the trading value to the seller's settlement account and a process of withdrawing the trading value from the buyer's settlement account are credit settlement processes. The electronic commerce center processing apparatus according to claim 1 or 2, wherein: 4. The electronic commerce center processing apparatus according to claim 3, wherein a number dedicated to electronic commerce is set as identification information of the seller or buyer corresponding to the credit account. 5. An applet including a program which can encrypt information transmitted from a terminal of a seller or a buyer by an operation in the terminal and which is activated when necessary and performs processing of settlement data, etc., to a terminal of a seller and a buyer. 2. Downloading via a network line.
5. The electronic commerce center processing device according to claim 4. 6. The controller according to claim 2, wherein the control means is configured to calculate a cancellation fee based on the cancellation condition, and instruct the processing to deduct the trading value from the buyer's settlement account for the cancellation fee. 5. Electronic commerce center processing device.