JP2002150082A - Method of obtaining trust on commodity through electronic information network - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make safely, smoothly and securely performable the transaction between unspecified traders when doing a transaction of a valuable material. SOLUTION: A money payer obtains a trust worth to trust a commodities provider from a trust function of the commodities provider through an electronic network for certification.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for obtaining product credit using an electronic information network.

[0002]

2. Description of the Related Art Hitherto, in the sale and purchase of merchandise mainly at a store, merchandise and money are almost always exchanged on the spot. In the case where there is no money, it is possible to receive the product with monetary credit information such as credit. In other words, it is a method of exchanging monetary credit with the product itself. However, in electronic transactions such as the Internet, mail-order sales such as catalog sales, and door-to-door sales, monetary credit alone is not sufficient. If neither goods nor money is digitized, it must be guaranteed that the goods provider will surely deliver the goods to the money payer (goods purchaser). That is, the credit of the product provider is essential. In this regard, in the prior art, the same technique as in-store transactions such as cash on delivery courier service (registered trademark) or the like is used to exchange the price for the product, or the product provider can provide the product while the cash payer feels uneasy. There was only a way to expect it to be sent. Under such an environment, there are many transaction troubles such as payment but no delivery of goods, or bad goods sent, and consultation with consumer centers etc. also increased rapidly. are doing.

[0003] However, in such a method, there is no method for obtaining a sense of security that the product can be reliably received, other than the purchase of a product provided by a trusted organization such as a large company. Unfair credit standing has arisen between product providers and payers. In addition, because of anxiety about trading partners,
It is becoming difficult for companies with little name to enter into non-store sales such as electronic transactions and mail-order sales.

[0004]

SUMMARY OF THE INVENTION An object of the present invention is to provide a transaction between unspecified persons by using a digital information network to obtain and authenticate a credit payer who trusts a product provider. It is possible to carry out the operation smoothly and reliably with peace of mind.

[0005]

SUMMARY OF THE INVENTION In order to achieve the above object, the present invention relates to a transaction such as buying and selling of valuable resources, and a transaction in which a money payer uses a digital information network such as the Internet. This feature is characterized by acquiring credit information of a product from a credit institution.

[0006]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a block diagram of an embodiment to which the above-mentioned invention is applied. (1) is a computer of a cash payer, (2) is a computer of an institution that gives credit to the goods provider, (3) is a computer of the product provider. FIG.
5 is a flowchart illustrating processing step S of the embodiment to which the present invention is applied.

The processing performed between the computers (1) to (3) will be described below with reference to FIGS. First, at step S1, the computer of the payer (1)
Is connected to the computer (3) of the merchandise provider, and the cash payer confirms the information on the merchandise provided by the merchandise provider and solidifies the purchase intention. In the purchase stage, in step S2,
The money payer (product purchaser) checks the credit institution and the accompanying information presented by the product provider. In step S3, the computer (1) of the payer is connected to the computer (2) of the credit institution presented by the product provider or directly via the computer (3) of the product provider. The credit to the goods provider is confirmed by the computer (2) of the credit institution presented by the provider, and the money payer authenticates the credit and requests the credit institution presented by the goods provider to use the credit. In step S4, the credit authentication information (A) of the product provider is transmitted from the computer (2) of the credit institution presented by the product provider to the computer (1) of the money payer. Then, in step S5, the receipt information of the credit authentication information (A) of the product provider possessed by the money payer is transmitted to the product provider,
The transaction is completed. Although the above embodiment shows a case where the invention is applied to electronic transactions using the Internet, the same applies to a case where a cash payer receives a credit of a product in non-store sales such as catalog sales, mail order sales, door-to-door sales, and the like. It is possible to obtain the credit authentication information (A) of the product provider via a network (FAX / telephone / mobile phone / PC communication).

[0009]

As described above, according to the present invention, in a transaction which has conventionally had a problem due to the low reliability of receiving a product, the information of the product credit is provided to the product provider using the electronic information network. The fact that the money payer obtains from the credit institution of the above has an effect that it is possible to conduct a fair trade. Even if the product provider is not well-known, by obtaining credit for the product from a credit institution on the side of the third party product provider, such as a financial institution, using an electronic information network, consumers can feel secure about transactions. Etc. can be given to a payer, and even if an unknown company provides good products, there is a great effect that consumers can be surely accepted. Further, from the viewpoint of a payer such as a consumer, even if the merchandise cannot be received, the credit institution on the merchandise provider side provides a guarantee, so that there is an effect that the transaction can be performed with confidence. From the above, it is possible to solve the problem of the transaction in which there is anxiety about the credit, and to greatly develop the electronic transaction using the Internet or the like.

[0010]

[Brief description of the drawings]

FIG. 1 is a configuration diagram as an embodiment.

FIG. 2 is a flowchart showing a process.

[Explanation of symbols]

 (1) Computer of the payer (2) Computer of the institution that provides credit for the product provider (3) Computer of the product provider (A) Credit authentication data for the product provider

Claims (1)

[Claims] Claims: 1. A method for acquiring a product credit using an electronic information network, wherein a money payer receives credit information from a credit institution on the side of a product provider via an electronic information network in a transaction of valuable resources.