JP2002163569A - Electronic commerce settlement method and electronic commerce settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic commerce settlement method and an electronic commerce settlement system which enable suppliers to add terms of payment to each specification. SOLUTION: A buyer 12 specifies and orders products at an electronic procurement market site 14, and the electronic procurement market site 14 generates commerce information regarding the ordered products and transmits the information to a receipt and settlement site 18. The receipt and settlement site 18 generates a bill and specification information from the commerce information and transmits the bill and specification information to a supplier 16, and the supplier 16 specifies the terms payment based on each specification of the bill and specification information and transmits it to the receipt and settlement site 18. The receipt and settlement site 18 generates the bill and specification information to which the terms of payment are added and transmits it to the buyer 12, the buyer 12 transmits payment information reflecting one's will to pay the bill to the receipt and settlement site 18 and transfers money to a surrogate collection account 24. The receipt and settlement site 18 verifies the amount of transfer and the payment information, has the buyer to transfer the money, and transmits information on completion of account settlement.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to an e-commerce settlement method and an e-commerce settlement system, and more particularly to an e-commerce settlement method and an e-commerce settlement system in which payment conditions can be added on a product supply side.

[0002]

2. Description of the Related Art In recent years, e-commerce using the Internet has been used, for example, in sales transactions of goods between companies. In this e-commerce, for example, a company on the merchandise sales side (hereinafter referred to as a supplier) registers product information (catalog information) on an e-commerce site for conducting e-commerce, and a company on the merchandise ordering side (hereinafter referred to as a buyer). Refers to an e-commerce site and places an order for a desired product. The supplier ships the product and issues an invoice. Then, the buyer generally transfers the amount of the invoice to the bank of the supplier's account.

[0003]

However, in the settlement in the electronic commerce described above, it is not possible for the supplier to add payment conditions for each statement.

[0004] The present invention has been made to solve the above problems, and has as its object to provide an e-commerce settlement method and an e-commerce settlement system that allow a supplier to add payment terms for each statement. And

[0005]

In order to achieve the above object, the present invention provides an electronic commerce settlement method in electronic commerce performed between a supply side and a purchase side of a product via a network. Input transaction information on the desired product transmitted from the purchaser through the network, and enter payment conditions specified for each desired product transmitted from the supply side of the product via the network. The method is characterized in that billing statement information is generated from the entered transaction information and the payment terms and transmitted to the purchase side.

According to the present invention, transaction information on a desired product transmitted from a purchaser of the product via a network is input. The product desired to be purchased can be selected, for example, by the purchaser accessing product information providing means such as an electronic procurement market site that provides product information and browsing the provided product information. The transaction information includes, for example, information such as a product name, a quantity, a unit price, a company name on the purchase side, a company name on the supply side, that is, a company name on the sales side, etc., of the product desired by the purchase side.

[0007] On the merchandise supply side, payment conditions are specified for each desired merchandise specified by the purchaser. This payment condition can include, for example, a payment due date. This allows
A payment deadline can be set for each desired product.
This payment condition is transmitted from the product supply side via the network.

[0008] The transmitted payment terms are input, billing statement information is generated from the entered payment terms and transaction information, and transmitted to the purchaser. That is, the billing statement information is generated by adding a payment condition to each purchase desired product (each statement). The purchaser looks at the billing statement information and pays the price of the purchased product to the supplier for each statement according to the payment conditions. As described above, since the payment condition is added for each item, it is not necessary to pay the fee collectively, and the fee can be paid for each item. Therefore, it is possible to improve the convenience of the fee payment in the electronic commerce.

Further, in the present invention, payment information including payment instruction information for each desired product transmitted from the purchase side via the network is input, and payment information from the purchase side to the supply side regarding billing statement information is input. Then, the input payment information and the payment information are collated to generate payment completion information including payment information for each desired purchase product, and the generated payment completion information is transmitted to the purchase side and the supply side via the network. You can also.

[0010] That is, on the purchase side, the operator inputs whether or not to pay for each item of billing specification information, that is, for each desired product to be purchased, and this is used as payment instruction information.
Payment information is generated from the payment instruction information and the billing statement information and transmitted via a network. On the purchase side, the fee of the product instructed to be paid is paid to the supply side. Deposit information from the purchase side to the supply side regarding the billing statement information is input, and the input payment information is collated.
That is, it is determined whether or not the charge of the product for which payment has been instructed and the deposit amount indicated by the deposit information match. Then, payment completion information is generated using the result as payment information, and the generated payment completion information is transmitted to the purchase side and the supply side via the network.

[0011] Thus, the purchase side and the supply side can easily grasp whether or not the payment of the product instructed for payment has been made. In addition, for a product for which payment has not been instructed, a fee can be similarly paid by instructing payment again. As described above, the fee can be paid for each item, and it can be determined whether the payment has been completed for each item.

In the electronic commerce settlement method as described above, a purchase means for generating purchase desired product information of a purchase desired product designated from product information by an operator and transmitting the generated desired purchase product information via a network. Product information providing means for providing the product information, generating transaction information from the purchase desired product information transmitted from the purchasing means, and transmitting the generated transaction information via the network; and The product information is registered in the product information providing means via an order receiving means for receiving an order for the desired product, a payment condition specifying means for specifying a payment condition for each desired product, and Supply means including at least payment condition transmitting means for transmitting the payment terms through the network, and It is possible to achieve a payment means for transmitting to the purchase means to generate billing information from the signal to said transaction information and said payment terms, by.

[0013] The purchase means generates purchase desired product information of the desired product specified by the operator from the product information, and transmits the generated desired purchase product information to the product information providing means via the network. The product information can be registered by the order receiving means of the supply means transmitting to the product information providing means. The operator of the purchasing means browses the registered product information and selects a desired product for purchase.

[0014] Further, in the payment condition specifying means of the supply means,
Payment terms can be specified for each product you wish to purchase,
The designated payment terms are transmitted to the settlement means via the network by the payment term transmission means. The payment terms can include, for example, a due date.

[0015] The settlement means generates billing statement information from the transaction information and payment terms transmitted via the network, and transmits the billing information to the purchase means.

As described above, in the settlement means, the billing information is generated from the transmitted payment conditions and the transaction information and transmitted to the purchasing means.
It is possible to pay the price of the purchased merchandise to the supply means for each item according to the payment conditions. As described above, since the payment condition is added for each item, it is not necessary to pay the fee collectively, and the fee can be paid for each item. Therefore, it is possible to improve the convenience of the fee payment in the electronic commerce.

Further, in this system, the purchase means generates payment information from the payment specification means for specifying payment for each statement of the billing statement information, and the payment result from the billing statement information and the designation result by the payment designating means. Payment information generating means for transmitting the payment information to the payment means via the network, the payment means further comprising input means for inputting payment information from the purchasing means side to the supply means side regarding billing statement information. And the settlement unit collates the payment information with the payment information to generate payment completion information including the payment information for each statement, and transmits the generated payment completion information to the purchasing unit and the supply unit via the network. Can be configured.

That is, in the purchasing means, payment can be designated for each item of billing detail information by the payment designating means,
Payment information is generated by the payment information generating means from the specification result by the payment specifying means and the billing statement information, and the generated payment information is transmitted to the settlement means via the network.

[0019] The settlement means inputs the payment information from the purchasing means side to the supply means side with respect to the billing statement information by the input means, compares the payment information with the payment information, and performs the payment including the payment information for each statement. Completion information is generated, and the generated payment completion information is transmitted to the purchase unit and the supply unit via the network.

[0020] Thus, the purchasing means and the supplying means can easily grasp whether or not the payment of the instructed product has been made. As described above, the fee can be paid for each item, and it can be determined whether the payment has been completed for each item.

[0021]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS [First Embodiment] An example of a first embodiment of the present invention will be described below in detail with reference to the drawings.
In the present embodiment, the present invention is applied to a case where merchandise sales transactions are performed between buyers and suppliers on an e-commerce market at an electronic procurement market site, and settlement is performed at a storage settlement site.

FIG. 1 shows an outline of a system to which the present invention can be applied. To explain the outline of this system, the buyer 12 on the ordering side can browse the products sold by the supplier 16 by accessing the electronic procurement market site 14. Buyer 1
When the product 2 specifies a product to be purchased and places an order with the supplier 16, the electronic procurement market site 14 transmits transaction information on the ordered product to the storage and settlement site 18.
The supplier 16 causes the carrier 20 to send the ordered product to the buyer 12.

The buyer 12 corresponds to the purchase means of the present invention, the supplier 16 corresponds to the supply means of the present invention, the electronic procurement market site 14 corresponds to the product information providing means of the present invention, and the storage and settlement site 18 Corresponds to the settlement means of the present invention.

The storage / settlement site 18 creates billing / detail information from the transaction information and stores it in the electronic procurement market site 14.
To the supplier 16 via. The supplier 16 transmits payment conditions for the supplier 16 to the storage and settlement site 18 via the electronic procurement market site 14, which will be described in detail later.

The storage / settlement site 18 creates billing / detailed information to which payment conditions are added and transmits the billing / detailed information to the buyer 12, and prints the bill and mails it to the buyer 12. The buyer 12 transmits the payment information reflecting the intention to pay to the storage / settlement site 18 via the electronic procurement market site 14, and transfers the fee from its own account 22 to the collection agency account 24 according to the contents of the bill.

At the storage settlement site 18, the collection agent account 2
4 is compared with the payment information, and the price of the goods that the user intends to pay is collected from the collection agency account 24 to the supplier 1.
6 as well as sending payment information (payment completion information) including information on the paid product to the supplier 16 via the electronic procurement market site 14.

FIG. 2 shows a schematic configuration of a network system to which the present invention can be applied. As shown in FIG. 2, the network system 30 provides, for example, a computer 32 of a plurality of buyers 12, a computer 34 of a plurality of suppliers 16, and an electronic procurement market site 14 for presenting product information of products sold by the supplier 16. A computer 36, a computer 38 for providing a storage and settlement site 18 for performing settlement of goods sales transactions between the buyer 12 and the supplier 16, a computer 40 of a bank in which the collection agent account 24 is opened, and a bank in which the account 22 of the buyer 12 is opened Computer 42 and the computer 44 of the bank in which the account 26 of the supplier 16 is opened are respectively a modem, a router, and a TA (Terminal Adapter: Term).
It is configured to be connected to a network (for example, the Internet) 48 via a connection device 46 such as an internal adapter. These computers are connected to the network 48
, Information can be exchanged by mutual communication.

In this embodiment, a case where the Internet is applied as a network will be described. In this case, the computer 36 of the electronic procurement market site 14
The computer functions as a W (World Wide Web) server (hereinafter referred to as a "server computer"), and the order-side and sales-side computers register product information for a user to order a product or to sell a product. Computers (hereinafter, referred to as “user computers”), and these function as WWW clients.

More specifically, the user computers 32 and 34
Has a WWW browser installed, and by activating this WWW browser, the network 4
8, the server computer 36 can be accessed arbitrarily. At this time, the access position (the position of the access destination server computer 36 and the server computer 3
6) is a URL (Un
iform Resource Locator).

When there is an access request from the user computers 32 and 34, the server computer 36
The data at the position designated by L is transmitted to the network 48
Via the user computers 32 and 34 as access sources
Send to At this time, the data is generally HTTP
(Hyper Text Transfer Protocol).

Each computer is identified by IP
(Internet Protocol) address is used. Also,
For the identification of the user who operates the user computers 32 and 34, the user's own input, a user ID such as a predetermined code, and a password can be used.

Each of the above-mentioned computers is provided with an input device such as a keyboard and a mouse for inputting instructions with the computer, and a display for displaying the results of processing by the computer, and for storing various databases. Storage device is provided. Note that the computer has a general and general hardware configuration, and a detailed description thereof will be omitted.

Next, the operation of the present embodiment will be described. In the present embodiment, a case will be described in which the server computer 36 functions as a WWW (World Wide Web) server and the user computers 32 and 34 function as WWW clients. In this case, a network-accessible program (a so-called WWW browser) is installed in the user computers 32 and 34.
By activating the WWW browser, the server computer 36 can be accessed via the network 48. The access position (data consisting of the position of the server computer 36 to be accessed and the position of information in the server computer 36) is a so-called URL (Uniform Re
source Locator).

FIG. 3 is a flowchart of a process executed by the user computer 34 on the supplier 16 side.
Is a flowchart of a process executed by the user computer 32 of the buyer 12, FIG. 5 is a flowchart of a process executed by the server computer 36 of the electronic procurement market site 14, and FIG. Are respectively shown. FIG. 7 shows the flow of each information.

First, the supplier 16 is operated by the operator.
When the user computer (terminal) 34 of the buyer 12 requests access to the electronic procurement market site 14 to the server computer 36 in step 100 of FIG. 3, or the user computer (terminal) 32 of the buyer 12 In step 200 of step 4, when the server computer 36 requests access to the electronic procurement market site 14, the server computer 36 executes the processing routine shown in FIG.

In step 300 of FIG. 5, the server computer 36 initializes the user computer 3
2 and 34, generate the format information of the screen to be displayed, and generate the data.
2 or to the user computer 34. Therefore, the user computer 32 or the user computer 3
At 4, the screen of the electronic procurement market site 14 is presented.

Here, when the operator in the supplier 16 refers to the screen presented on the user computer 34 and instructs to register the product information (catalog information) of the product to be sold, in step 102 of FIG. If the determination is affirmative, the catalog information 50 is displayed as shown in FIG.
Is transmitted to the server computer 36 which provides the electronic procurement market site 14.

As a result, the server computer 36 affirms the reception of the catalog information 50 in step 302 of FIG. 5, and registers the received catalog information 50 as a database in step 304. As a result, by accessing the electronic procurement market site 14 from the user computer 32 of the buyer 12, FIG.
As shown in (1), the browsing of the catalog information 50 becomes possible, and it becomes possible to purchase products in the electronic commerce market.

On the other hand, when the operator in the buyer 12 refers to the screen presented to the user computer 32, selects the product desired to be purchased from the catalog information 50, and instructs the product name and quantity, that is, instructs ordering, In step 202 of No. 4, the determination of the order is affirmed, and in step 204
And transmits to the electronic procurement market site 14 purchase product information including information such as the product name and quantity of the product desired to be purchased. This closes the transaction.

When the purchase merchandise information is transmitted from the computer 32 of the buyer 12, the server computer 36
In step 306, the determination of the order instruction is affirmed, and in step 308, the purchased merchandise information is
Send to Then, in step 310, as shown in FIG. 7, the transaction information 52 is created from the received purchased commodity information and stored as a database.

This transaction information 52 is, as shown below,
For example, the information includes a sales supplier name, a purchase buyer name, a contract date, a product name, a quantity, a unit price, an amount, and the like.

[0042]

[Table 1]

Next, at step 312, it is determined whether or not the date is a predetermined closing date. If it is the closing date, the result of step 312 is affirmative, and the transaction information 52
To the storage and settlement site 18. This transmission is performed, for example, by FTP (File Transfer Protocol).
l) Transfer can be performed. It should be noted that the transfer may be performed, for example, at least once a day at a predetermined time.

From the server computer 36, the transaction information 52
Is transmitted, the computer 3 of the storage settlement site 18
In step 8, in step 400 shown in FIG. 6, the determination of the receipt of the transaction information is affirmed, and in step 402, as shown in FIG. 7, the billing / specification information 54 addressed to the supplier is created from the received transaction information 52 and stored as a database.

Then, in the next step 404, it is determined whether or not it is a predetermined closing date. If the closing date is reached, the affirmative determination is made in step 404, and the billing / specification information 54 (addressed to the supplier) is transmitted to the electronic procurement market site 14 in step 406.

The billing / specification information 54 addressed to the supplier includes, for example, a purchase buyer name, a contract date, a specification N
Information such as o, product name, quantity, unit price, amount of money, etc. is information arranged for each buyer, and is created for each supplier.

[0047]

[Table 2]

When the billing / specification information 54 (addressed to the supplier) is transmitted from the computer 38 of the storage / settlement site 18, the server computer 36 of the electronic procurement market site 14 transmits the billing / specification information 54 in step 316 shown in FIG. The determination of the reception is affirmative, and it is determined in the next step 318 whether the billing / specification information 54 received is directed to the supplier. If it is addressed to the supplier, the result is affirmed in step 318, and the billing / specification information 54 is transmitted to the supplier 16 in the next step 320.

Thus, in the computer 34 of the supplier 16, the determination of the receipt of the billing / specification information 54 is made in step 110, and the billing /
The detailed information 54 is displayed. Here, the operator refers to the displayed billing / detailed information and inputs payment conditions for each of the details. The payment terms can include, for example, prioritized payment dates. That is, it is possible to set a priority order for each item and set a different due date. As a result, for example, it is possible to designate that a fee for a certain product is to be transferred immediately.

When the input of the payment conditions is completed, the determination of the end of the payment conditions input is affirmed in step 114, and the input payment conditions are transmitted to the server computer 36 of the electronic procurement market site 14 in the next step 116.

Thus, the electronic procurement market site 1
In the server computer 36 of FIG.
The judgment of receiving the payment condition in step 4 is affirmed, and the next step 32
The payment condition received in step 6 is transmitted to the computer 38 of the storage and settlement site 18.

When the payment condition is transmitted to the computer 38 of the storage and settlement site 18, the computer 38
In step 408, the payment condition determination is affirmed, and in the next step 410, as shown in FIG. 7, the billing / detailed information 54 addressed to the buyer is created from the payment condition and the transaction information 52.

The billing / specification information 54 addressed to the buyer includes, for example, a sales supplier name, a contract date, a specification N
Information such as o, product name, quantity, unit price, amount of money, payment conditions, etc. is information organized for each supplier, and is created for each buyer. As described above, the payment condition is, for example, a payment date, and is specified for each item.

[0054]

[Table 3]

Then, it is determined in step 412 whether or not the date is a predetermined closing date.
In step 414, the billing / specification information 54 (addressed to the buyer) is transmitted to the electronic procurement market site 14.
In step 415, a printing process of the bill 55 is performed as shown in FIG. The bill is sealed and mailed to the buyer 12.

Thus, the electronic procurement market site 1
In the server computer 36 of FIG.
At 6, the judgment of the receipt of the billing / specification information is affirmed, and the judgment of step 318 as to whether the information is addressed to the supplier is denied. Then, the billing / specification information 54 received in step 322 is transmitted to the buyer 12 as shown in FIG.

When the billing / specification information 54 is transmitted in this manner, the buyer 12 makes a positive determination in step 206 shown in FIG. 4 to receive the billing / specification information, and stores the billing / specification information received in step 208. And display it on the display.

Here, the operator refers to the displayed billing / specification information and inputs payment confirmation for each specification.
Then, when the input of the payment confirmation for all the details is completed, the determination of the completion of the payment confirmation input is affirmed in step 210, and the payment information 56 is created in the next step 212, and as shown in FIG. 14 to be transmitted.

As shown below, the payment information 56 includes, for example, a sales supplier name, a contract date, an item number, a product name, a quantity,
Includes information such as unit price, amount, and payment confirmation (payment instruction information). In the payment confirmation column, “ON” means that the fee is paid, and “OFF” means that the fee is not paid. As described above, since the payment terms are instructed by the sales supplier, for example, the payment confirmation can be set to “ON” only for the payment terms having a higher priority, that is, for example, those having an urgent due date. .

[0060]

[Table 4]

When the payment information is transmitted from the buyer 12,
Server computer 3 of electronic procurement market site 14
In step 6, the determination of payment information reception is affirmed in step 328 shown in FIG. 5, and in the next step 330, the payment information 56 is transmitted to the storage and settlement site 18 as shown in FIG. As a result, in the storage and settlement site 18, step 4 shown in FIG.
At 16, the determination of payment information reception is affirmative, and the next step 4
The payment information received at 18 is stored as a database. The payment information 56 may be transferred by FTP at a predetermined date and time, but the buyer 12 inputs the company code and the password on a web screen for inputting the payment information provided on the storage and settlement site 18. And payment information may be entered from this screen.

Further, as shown in FIG.
The amount of the mailed invoice is transferred from the buyer bank account 22 to I
Transfer to the collection agency account 24 of the TN contract bank. this is,
For example, this is performed from a bank counter, an ATM, or the like. In the computer 40 of the ITN contract bank, when the money is transferred to the collection agent account 24, the bank transfer data 58 is transmitted to the settlement site 18 as shown in FIG. By this, storage settlement site 1
At step 8, in step 420 of FIG. 6, the determination of the receipt of the deposit data is affirmed, and in the next step 422, the deposit data 58 is stored as a database. The remittance data includes, for example, information (account number, etc.) relating to the collection agent account of the ITN contracted bank, information on the transfer amount, and the name of the transfer company (name of the buyer company). The information on the account is stored in the computer of the storage and settlement site 18 as a database in advance.

Then, in step 424, it is determined whether or not it is a predetermined closing date. If it is the closing date, the affirmative determination is made in step 424, and in the next step 426, the reconciliation processing of the transfer payment data is performed for each buyer. In this process, as shown in FIG. 7, for each buyer, the payment information 56 and the transfer deposit data 58 are collated.
Then, in step 428, it is determined whether or not the total amount of the goods for which the payment confirmation is “ON” matches the transfer deposit data.

If there is a buyer whose transfer data is abnormal, that is, if there is a buyer whose total amount does not match the transfer amount of the transfer data, step 42 is executed.
In step 430, a predetermined transfer data abnormality process is performed. In the transfer data abnormal process, for example, a process of notifying the buyer that the total amount does not match the transfer amount of the transfer data is performed.

In step 432, as shown in FIG. 7, from the payment information 56 from each buyer and the remittance data 58 from each buyer, the total transfer amount of all buyers and the information (account No., etc.) and the total allocation request data 60 including information such as the supplier company name are created and transmitted to the computer 40 of the ITN contracted bank. As a result, as shown in FIG.
The amount indicated by 0 is transferred from the collection agent account 24 to the account 26 of the supplier bank.

In the next step 434, application information 62 indicating that the fee has been paid is created for the buyer and the supplier, respectively, and transmitted to the electronic procurement market site 14.

The clearing information (addressed to the buyer) 62 includes, for example, a sales supplier name, a description No., a contract date,
Includes information such as product name, quantity, amount, and payment confirmation (paid information). Note that “completed” in the payment confirmation column indicates that the fee has been paid, and “not yet” indicates that the fee has not been paid.

[0068]

[Table 5]

The reconciliation information (addressed to the supplier) 62 is
As shown below, the information includes, for example, a purchase buyer name, a statement number, a contract date, a product name, a quantity, an amount, and a payment confirmation.

[0070]

[Table 6]

When such clearing information 62 is transmitted, the electronic procurement market site 14 determines in step 332 of FIG. 5 that the clearing information has been received, and in the next step 334 the clearing information received. 62 to the buyer 12 and the supplier 16.

As a result, the buyer 12 makes an affirmative decision on the application information reception at step 214 in FIG. 4 and performs a predetermined application process at the next step 216. On the other hand, the supplier 16 similarly affirms the determination of the application information reception in step 118 of FIG. 3 and performs a predetermined application process in the next step 120.

As described above, since the supplier can specify the payment condition for each item, the buyer sees the billing information, and sends the purchased item to the supplier for each item according to the payment condition. Payment of fees can be made.
Therefore, it is possible to improve the convenience of the fee payment in the electronic commerce.

[Second Embodiment] Next, a second embodiment of the present invention will be described. In the above embodiment, the buyer 12
Has described the case where money is deposited into the account of the supplier 16 by transfer, but in the present embodiment, the case where money is deposited by account transfer will be described. The same parts as those of the above embodiment are denoted by the same reference numerals, and detailed description thereof will be omitted.

In this embodiment, as shown in FIG. 8, the price of the goods ordered by the buyer 12 is deducted from the account 22 of the buyer 12 via the collection agent account 24 to the floor 26 of the supplier 16.

Next, the operation of the present embodiment will be described.

FIG. 9 is a flowchart of a process executed by the computer 38 of the storage settlement site 18, and FIG. 10 shows a flow of each information. The processing executed by the user computer 34 on the supplier 16 side, the processing executed by the user computer 32 of the buyer 12, and the processing executed by the server computer 36 of the electronic procurement market site 14 are the same as those in the above embodiment. Therefore, the description is omitted. In the flowchart illustrated in FIG. 9, the same steps as those in the flowchart illustrated in FIG. 6 are denoted by the same reference numerals, and different processes will be described.

At the storage and settlement site 18, after storing the payment information 56 in step 418 of FIG. 9, the payment information 56 and the billing / specification information 5 are stored in step 450 as shown in FIG.
4 and the mouth shake request data 70 is created and stored. The credit request data includes, for example, information (account number and the like) on the collection agent account 24 of the ITN contract bank, information on the bank account of each buyer, and the total transfer amount.

In the next step 452, it is determined whether or not it is a predetermined closing date. If it is the closing date, the result is affirmative in step 452, and in the next step 454, the mouth shake request data 70 is transmitted to the computer 40 of the ITN contract bank. As a result, the collection agency account 2 of the ITN contract bank
In 4, the total transfer amount indicated by the transfer request data 70 is deducted from the account 22 of the buyer bank.

As shown in FIG. 10, the account transfer result data 72 is transmitted from the collection agent account 24 of the ITN contract bank to the storage and settlement site 18. The mouth shake result data 72 includes, for example, information (account number and the like) on the collection agent account 24 of the ITN contracted bank, information on the bank account of each buyer, and information on the transfer amount.

When the mouth shake result data 72 is transmitted from the ITN contract bank in this way, the receipt and settlement site 18 affirms the judgment of the mouth shake result data reception in step 456 in FIG. A shake result confirmation process is performed. In this process, it is determined whether or not the transfer has been performed normally for each buyer, that is, whether or not the account 22 of the buyer bank has a shortage of balance. If the transfer has not been performed normally, step 460 is performed. Then, the determination of the transfer result abnormality is affirmed, and a predetermined mouth shake result abnormality process is performed in step 460. In the mouth shake result abnormal process, for example, a process of notifying a buyer whose transfer has not been performed normally is performed.

In step 432, as shown in FIG. 7, from the payment information 56 from each buyer and the transfer data 58 from each buyer, the total transfer amount of all the buyers and the information (account No., etc.) and the total allocation request data 60 including information such as the supplier company name are created and transmitted to the computer 40 of the ITN contracted bank. As a result, as shown in FIG.
The amount indicated by 0 is transferred from the collection agent account 24 to the account 26 of the supplier bank.

In the next step 434, application information 62 indicating that the fee has been paid is created for the buyer and the supplier, respectively, and transmitted to the electronic procurement market site 14.

As described above, since the supplier can specify the payment conditions for each item, the buyer sees the billing information, and sends the purchased item to the supplier for each item according to the payment conditions. Payment of fees can be made.
Therefore, it is possible to improve the convenience of the fee payment in the electronic commerce.

[0085]

As described above, according to the present invention,
This has the effect that the convenience of fee payment in electronic commerce can be improved.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram of an e-commerce settlement system according to a first embodiment.

FIG. 2 is a schematic configuration diagram of a network system according to the first embodiment.

FIG. 3 is a flowchart of a processing routine executed by a supplier computer according to the first embodiment.

FIG. 4 is a flowchart of a processing routine executed by a buyer computer according to the first embodiment.

FIG. 5 is a flowchart of a processing routine executed by a computer of the electronic procurement market site according to the first embodiment.

FIG. 6 is a flowchart of a processing routine executed by a computer of the storage and settlement site according to the first embodiment.

FIG. 7 is a diagram for explaining a data flow in the e-commerce settlement system according to the first embodiment.

FIG. 8 is a schematic configuration diagram of an e-commerce settlement system according to a second embodiment.

FIG. 9 is a flowchart of a processing routine executed by a computer of a storage and settlement site according to the second embodiment.

FIG. 10 is a diagram for explaining a data flow in the e-commerce settlement system according to the second embodiment.

[Explanation of symbols]

 12 Buyer 14 Electronic Procurement Market Site 16 Supplier 18 Store and Settlement Site 22, 26 Account 24 Collection Agency Account 30 Network System 32, 34, 36, 40, 42, 44 Computer 46 Connection Device 48 Network

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 318 G06F 17/60 318H 502 502 502

Claims (6)

[Claims] 1. An electronic commerce settlement method in electronic commerce performed between a supply side and a purchase side of a product via a network, wherein the purchase request transmitted from the purchase side of the product via the network. Enter transaction information related to the product, enter payment terms designated for each of the purchased products transmitted from the supply side of the product via the network, and make a claim from the entered transaction information and the payment terms. An e-commerce settlement method for generating detailed information and transmitting the generated information to the purchase side. 2. Entering payment information including payment instruction information for each of the purchase desired products transmitted from the purchase side via the network, and receiving payment information from the purchase side to the supply side regarding the billing statement information. The payment information is compared with the input payment information to generate payment completion information including the payment information for each of the purchased products, and the generated payment completion information is purchased through the network. The e-commerce settlement method according to claim 1, wherein the e-commerce transaction is transmitted to a supplier and the supplier. 3. The electronic commerce settlement method according to claim 1, wherein the payment condition is a due date. 4. An e-commerce settlement system in e-commerce performed between a supply side and a purchase side of a product via a network, wherein the purchase desired product information of the desired product specified from the product information by an operator. And a purchase unit for transmitting the generated purchase desired product information via the network; and providing the product information, and generating transaction information from the purchase desired product information transmitted from the purchase unit. A merchandise information providing means for transmitting the generated transaction information via the network; an order receiving means for registering the merchandise information in the merchandise information providing means via the network; Means for designating payment terms for each desired product, and the designated payment terms via the network Supply means including at least payment condition transmitting means for transmitting the payment information, and payment means for generating billing statement information from the transaction information and the payment terms transmitted via the network and transmitting the billing information to the purchase means. E-commerce payment system. 5. The purchase means generates payment information from payment specification means for designating payment for each statement of the billing statement information, and payment results from the billing statement information and a result specified by the payment designating section. Payment information generating means for transmitting the payment information to the payment means via the network, wherein the payment means inputs payment information from the purchase means side to the supply means side regarding the billing statement information. Further comprising input means, and the settlement means,
The payment information and the payment information are collated to generate payment completion information including payment information for each statement, and the generated payment completion information is transmitted to the purchasing means and the supply means via the network. The e-commerce settlement system according to claim 4, wherein: 6. The e-commerce settlement system according to claim 4, wherein the payment condition is a due date.