JP2002373302A - Credit and settlement system and method thereof - Google Patents

Abstract

PROBLEM TO BE SOLVED: To achieve the flexibility of a payment method, a reduction in paper work processing burdens, smooth settlement and credit enhancement in inter- company transactions of a marketplace. SOLUTION: A credit settlement support server receives order determination information from a marketplace server, makes a web page for payment condition selection readable to a buyer side terminal, requests a card company server to perform buyer credit confirmation based on a payment condition in the case the selected payment condition is any condition other than regulated payment conditions, receives buyer credit confirmation results from the card company server, makes a web page for collection condition selection readable to a seller side terminal and transmits information on a selected collection condition to the card company server.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a business-to-business electronic commerce system, and more particularly to a settlement system and method for paying for a transaction.

[0002]

2. Description of the Related Art In recent years, inter-company electronic commerce on a marketplace using the Internet has been generally performed. Credit and settlement for corporations are often used as means for settlement that occurs in inter-company electronic commerce. The marketplace in this specification includes a system in which business transactions between companies are digitized using EDI or the like, and is not necessarily limited to what is called a marketplace.

[0003] A credit card company sets a monthly limit frame (credit frame) that can be used by credit card companies in advance for credit card members, and allows credit card companies to use them for payment to member stores of the card company within that range. System. Usually, the settlement date is fixed, and it is automatically deducted from the bank account held by the card member.

[0004]

However, for a company involved in a transaction, there are various demands for a settlement method depending on the circumstances and circumstances at the time, not the settlement method specified in the marketplace. For example, if it is desirable for the seller company to deposit and fund early, it may be desirable to guarantee the buyer's payment, while the buyer company may want to delay the payment as much as possible. Accordingly, there is a need for flexibility over conventional credit payment schemes with fixed due dates.

[0005] In addition, when commercial transactions in the marketplace become popular, the number of sales to an unspecified number of people increases with the expansion of sales channels, and both sellers and buyers deliver, inspect, invoice, pay, and pay for each transaction. Carrying out paperwork such as collection and clearing is a heavy burden. In addition to this, in e-commerce, manufacturers and customers often skip direct wholesalers and retailers and directly trade with each other.In this case, there is a large gap between each other's existing payment systems for smooth payment processing. It may cause trouble.

[0006] Furthermore, since the seller seeks a risk hedge against the buyer's non-payment, and the buyer seeks a risk hedge against the seller's unpaid merchandise, both parties have a demand for credit enhancement.

[0007] In view of the above situation, the present invention provides both sellers and buyers companies with regard to electronic commerce in the marketplace, with flexibility in payment methods, reduction of paperwork, smooth settlement, and credit enhancement. It is an object of the present invention to provide a payment system and method to be realized.

[0008]

In order to achieve the above object, the present invention provides the following arrangement. (1) In a credit and settlement system according to the present invention, a credit and settlement system executed by a credit and settlement support server in cooperation with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in a marketplace. A means for the credit settlement support server to receive order confirmation information relating to the e-commerce from the marketplace server; a means for allowing a buyer-side terminal to view a payment condition selection web page; Means for receiving information on payment terms other than the prescribed payment terms of the marketplace selected by the terminal via the web page for selecting payment terms, and based on the payment terms together with the information on the selected payment terms. Notification to the card company server requesting execution of the buyer's credit check Means for sending, means for receiving the credit confirmation result of the buyer from the card company server, means for allowing the seller-side terminal to browse the collection condition selection web page, and collection selected by the seller-side terminal It has means for receiving condition information via the collection condition selection web page, and means for transmitting the collection condition information to the card company server.

(2) In the system of (1), preferably, the credit settlement support server further receives, from the buyer side terminal, information on a simulation condition for the selected payment condition, Means for transmitting a notification requesting execution of a simulation based on the selected payment condition and the simulation condition to the card company server; and a web page displaying the result of the simulation executed by the card company server on the buyer terminal. Means that can be browsed.

(3) In the system of (1), preferably, the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace.

(4) In the system of the above (1), preferably, when the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server further includes: Means for receiving simulation condition information on the selected collection condition from the seller side terminal, and means for transmitting to the card company server a notification requesting execution of a simulation based on the selected collection condition and the simulation condition. And means for enabling the seller terminal to browse a web page displaying the result of the simulation executed by the card company server.

(5) A further settlement and support system according to the present invention is executed by a credit settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in the marketplace. In the credit and settlement system, the credit settlement support server receives the order confirmation information related to the electronic commerce from the marketplace server, and the purchaser terminal can browse the payment condition selection web page. Means for receiving, via the payment condition selection web page, information on payment conditions as specified in the marketplace selected by the buyer terminal, and a collection condition selection web page for the seller terminal And means selected by the seller-side terminal. Means for receiving the information on the collection condition via the collection condition selection web page, and a notification to execute the credit check of the buyer based on the payment condition together with the information on the payment condition and the collection condition to the card company server. Means for transmitting, and means for receiving a credit confirmation result of the buyer from the card company server.

(6) In the system of (5), preferably, the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace.

(7) In the system of the above (5), preferably, when the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server further comprises: Means for receiving simulation condition information on the selected collection condition from the seller side terminal, and means for transmitting to the card company server a notification requesting execution of a simulation based on the selected collection condition and the simulation condition. And means for enabling the seller terminal to browse a web page displaying the result of the simulation executed by the card company server.

(8) In the above system (1) or (5), preferably, the credit settlement support server further comprises:
A means for receiving an acceptance notice relating to the e-commerce from the buyer terminal, a means for receiving an acceptance confirmation notice relating to the e-commerce from the seller terminal, and confirming the acceptance result based on the acceptance notice and the acceptance confirmation notice And a means for transmitting, to the card company server, a notification requesting credit and settlement based on the selected payment conditions and collection conditions together with the confirmed inspection result information.

(9) In the above system (1) or (5), preferably, the credit settlement support server further comprises:
Means for receiving, from the marketplace server, acceptance record information relating to the e-commerce, and means for transmitting, to the card company server, a notification requesting credit and settlement based on the selected payment and collection conditions together with the acceptance record information. Having.

(10) In the system according to the above (8) or (9), preferably, the credit settlement support server further comprises the credit settlement support server when the acceptance record information includes change information of the amount related to the electronic commerce. Means for transmitting to the card company server a notification requesting the buyer to execute credit confirmation again based on the change information.

(11) In the above system (1) or (5), preferably, the credit settlement support server further sends a notice to the effect that the buyer has made a payment in accordance with the payment conditions. Means for receiving from the server; and means for transmitting a notification to the marketplace server that payment has been made from the buyer.

(12) In the above system (1) or (5), preferably, the credit settlement support server further sends a notice to the effect that payment to the seller has been made in accordance with the collection conditions. Means for receiving more,
Means for transmitting a notification to the marketplace server that a payment has been made to the seller, and a web page displaying a notification that the payment has been made to the seller can be viewed on the seller side terminal Means.

(13) In the above system (1) or (5), preferably, the credit settlement support server further transmits a payment condition selection web page to a buyer terminal in advance of the electronic commerce. Means for allowing browsing, means for receiving payment terms pre-selected by the buyer-side terminal via the web page for selecting payment terms, registration means for registering the pre-selected payment terms, Means for allowing the seller terminal to browse the collection condition selection web page in advance to the electronic commerce, and receiving the collection condition preselected by the seller terminal via the collection condition selection web page. And registration means for registering the preselected collection conditions.

(14) In the credit and settlement method according to the present invention, the credit and settlement executed by the credit settlement support server cooperating with the marketplace server and the card company server to perform the credit and settlement for the inter-company electronic commerce in the marketplace. In the settlement method, a step of receiving order confirmation information related to the transaction from the marketplace server, a step of allowing a buyer-side terminal to browse a payment condition selection web page, and a step of selecting by the buyer-side terminal. Receiving payment condition information other than the prescribed payment condition of the marketplace via the payment condition selection web page; and confirming a buyer's credit confirmation based on the payment condition together with the selected payment condition information. Step for transmitting a notification for execution to the card company server Receiving the credit confirmation result of the buyer from the card company server, allowing the seller-side terminal to browse the collection condition selection web page, and information on the collection condition selected by the seller-side terminal Receiving via the collection condition selection web page, and transmitting the collection condition information to the card company server.

(15) A further credit and settlement method according to the present invention is executed by a credit and settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in the marketplace. In the credit and settlement method, a step of receiving order confirmation information relating to the transaction from the marketplace server, a step of allowing a seller terminal to browse a collection condition selection web page, and a selection by the seller terminal. Receiving the collected collection condition information via the collection condition selection web page, transmitting the collection condition information to the card company server, and providing the buyer side terminal with a payment condition selection web page. Step of making the page viewable and selection by the buyer terminal Receiving information on payment terms other than the prescribed payment terms of the marketplace via the payment terms selection web page; and providing the buyer with credit information based on the payment terms together with the information on the selected payment terms. Transmitting a notification requesting execution of the confirmation to the card company server; and receiving a credit confirmation result of the buyer from the card company server.

(16) In the above method (14) or (15), preferably, the credit settlement support server further receives simulation condition information on the selected payment condition from the buyer-side terminal; Transmitting, to the card company server, a notification requesting execution of a simulation based on the selected payment condition and the simulation condition, and a web page displaying a result of the simulation executed by the card company server; And making it browsable.

(17) In the method of the above 14 or 15, preferably, the selected collecting condition is a collecting condition other than the collecting condition specified in the marketplace.

(18) In the above method (14) or (15), preferably, when the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server further comprises: Receiving from the seller terminal information on the simulation conditions for the selected collection conditions, and transmitting a notification requesting execution of a simulation based on the selected collection conditions and the simulation conditions to the card company server; And allowing the seller terminal to browse a web page displaying the result of the simulation executed by the card company server.

(19) A further credit and settlement method according to the present invention is executed by a credit and settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in the marketplace. In the credit and settlement method, a step of receiving order confirmation information relating to the transaction from the marketplace server, a step of allowing a buyer side terminal to view a payment condition selection web page, and a step of selecting by the buyer side terminal. Receiving the payment condition information as specified in the marketplace via the payment condition selection web page, and allowing the seller-side terminal to view the collection condition selection web page, The information on the collection conditions selected by the seller terminal is And transmitting and receiving via a web page for condition selection, a notification should be performed credit check buyer based on the payment terms together with the information of the payment conditions and recovery conditions to the card company server,
Receiving the credit confirmation result of the buyer from the card company server.

(20) A further credit and settlement method according to the present invention is executed by a credit and settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in the marketplace. In the credit and settlement method, a step of receiving order confirmation information relating to the transaction from the marketplace server, a step of allowing a seller terminal to browse a collection condition selection web page, and a selection by the seller terminal. Receiving the collected collection condition information via the collection condition selection web page, allowing the buyer side terminal to view the payment condition selection web page, and selecting the payment condition selection web page from the buyer side terminal. Information on payment terms as specified in the marketplace Receiving via a condition selection web page, and transmitting to the card company server a notification to execute a buyer's credit check based on the selected payment condition and collection condition information together with the payment condition information; Receiving the credit confirmation result of the buyer from the card company server.

(21) In the above-mentioned method (19) or (20), preferably, the selected collecting condition is a collecting condition other than the collecting condition specified in the marketplace.

(22) In the above-mentioned method (19) or (20), preferably, when the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server further comprises: Receiving from the seller terminal information on the simulation conditions for the selected collection conditions, and transmitting a notification requesting execution of a simulation based on the selected collection conditions and the simulation conditions to the card company server; And allowing the seller terminal to browse a web page displaying the result of the simulation executed by the card company server.

(23) In the above method of (14), (15), (19) or (20), preferably, a step of receiving an acceptance notice of the e-commerce from the buyer terminal, and a step of confirming the acceptance of the e-commerce from the seller terminal Receiving a notification, deciding the acceptance record based on the acceptance notice and the receipt confirmation notice, and requesting a credit card settlement based on the selected payment condition and collection condition together with the confirmed receipt result information. To the card company server.

(24) In the above method (14), (15), (19) or (20), preferably, the step of receiving the acceptance record information related to the electronic commerce from the marketplace server; Transmitting a notification requesting credit and settlement based on payment terms and collection terms to the card company server.

(25) In the method of the above item 23 or 24, preferably, when the inspection result information includes change information of the amount related to the electronic commerce, the credit check of the buyer is executed again based on the change information. Transmitting the requested notification to the card company server.

(26) In the above-mentioned method (14), (15), (19) or (20), preferably, a step of receiving from the card company server a notification that payment has been made from the buyer in accordance with the payment conditions, Transmitting a notification to the marketplace server that a payment has been made from the buyer.

(27) In the method of the above 14, 15, 19 or 20, preferably, a step of receiving from the card company server a notification that the seller has been paid according to the collection conditions, Transmitting a notification to the marketplace server that payment has been made to the marketplace server, and enabling the seller-side terminal to view a web page displaying a notification that payment has been made to the seller. Steps.

(28) In the above method (14), (15), (19) or (20), preferably, prior to the electronic commerce, a step of allowing a buyer terminal to browse a payment condition selection web page in advance is provided; Receiving the payment terms preselected by the buyer's terminal via the payment terms selection web page; registering the preselected payment terms; and the seller's terminal prior to the e-commerce. Allowing the collection condition selection web page to be browsed, receiving the collection condition preselected by the seller-side terminal via the collection condition selection web page, and Registering collection conditions.

(29) The program according to the present invention is a program executed by a credit settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in the marketplace. For the payment support server, a function of receiving order confirmation information related to the e-commerce from the marketplace server, a function of allowing a buyer side terminal to browse a payment condition selection web page, and a function of the buyer side terminal A function of receiving information of payment terms other than the prescribed payment terms of the selected marketplace via the payment term selection web page, and a buyer based on the payment terms together with the information of the selected payment terms. Notification to the credit card company is sent to the card company server , A function of receiving a credit confirmation result of the buyer from the card company server, a function of allowing the seller-side terminal to browse a collection condition selection web page, and a collection condition selected by the seller-side terminal. And a function of transmitting the information of the collection conditions to the card company server.

(30) In the program of (29), preferably, the credit settlement support server further comprises:
A function of receiving simulation condition information on the selected payment condition from the buyer-side terminal, and a function of transmitting a notification requesting execution of a simulation based on the selected payment condition and the simulation condition to the card company server. And a function of enabling the buyer terminal to browse a web page displaying the result of the simulation executed by the card company server.

(31) In the above program (29), preferably, the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace.

(32) In the above program (29), preferably, when the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server is further provided to the credit settlement support server. Transmitting to the card company server a function of receiving simulation condition information on the selected collection condition from the seller-side terminal and a notification requesting execution of a simulation based on the selected collection condition and the simulation condition. A function and a function of enabling a web page displaying the result of the simulation executed by the card company server to be viewed on the seller terminal are realized.

(33) A further program according to the present invention is a credit and settlement executed by a credit settlement support server that cooperates with a marketplace server and a card company server in order to perform credit and settlement for inter-company electronic commerce in the marketplace. In the program, for the credit settlement support server, a function of receiving order confirmation information related to the e-commerce from the marketplace server, and a function of allowing a buyer side terminal to browse a payment condition selection web page, A function of receiving the payment condition information as specified in the marketplace selected by the buyer terminal via the payment condition selection web page, and browsing the collection condition selection web page to the seller terminal Function to be enabled and collection selected by the seller terminal And a notification to execute a credit check of a buyer based on the payment condition together with the information on the payment condition and the collection condition to the card company server. And a function of receiving the credit confirmation result of the buyer from the card company server.

(34) In the program of the above 33,
Preferably, the selected collecting condition is a collecting condition other than the prescribed collecting condition of the marketplace.

(35) In the program of the above 33,
Preferably, when the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace,
The credit settlement support server further includes a function of receiving simulation condition information on the selected collection condition from the seller side terminal, and a notification requesting execution of a simulation based on the selected collection condition and the simulation condition. Is transmitted to the card company server, and a function of allowing the seller terminal to browse a web page displaying the result of the simulation executed by the card company server.

(36) In the program of the above (29) or (33), preferably, the credit settlement support server further has a function of receiving an acceptance notice relating to the electronic commerce from the buyer terminal, and A function of receiving an acceptance confirmation notice relating to a commercial transaction, an acceptance result confirmation function for confirming the acceptance result based on the acceptance notice and the acceptance confirmation notice, and the selected payment condition and collection condition together with the confirmed acceptance result information. And a function of transmitting a notification requesting credit and settlement to the card company server based on the information.

(37) In the above program (29) or (33), preferably, the credit settlement support server further includes a function of receiving inspection result information on the electronic commerce from the marketplace server; And a function of transmitting a notification requesting credit and settlement to the card company server based on the selected payment and collection conditions.

(38) In the program according to the above (36) or (37), preferably, when the acceptance record information includes change information of the amount related to the electronic commerce, the credit settlement support server is further provided with the change information. A function of transmitting to the card company server a notification requesting execution of the credit check of the buyer again based on the credit card is realized.

(39) In the above program (29) or (33), preferably, the credit settlement support server further receives a notification from the card company server that payment has been made from the buyer in accordance with the payment conditions. And a function of transmitting a notification to the marketplace server that payment has been made from the buyer.

(40) In the above program (29) or (33), preferably, the credit settlement support server further receives a notice from the card company server that the seller has been paid in accordance with the collection conditions. Features and
A function of transmitting a notification to the marketplace server that a payment has been made to the seller, and a web page displaying a notification that the payment has been made to the seller can be viewed on the seller side terminal. Function is realized.

(41) In the above program (29) or (33), preferably, the credit settlement support server can further browse a payment condition selection web page to a buyer side terminal in advance of the electronic commerce. Function, a function of receiving a payment condition preselected by the buyer terminal via the payment condition selection web page, a registration function of registering the preselected payment condition, and A function of allowing the seller side terminal to browse the collection condition selection web page in advance, and a function of receiving the collection condition previously selected by the seller side terminal via the collection condition selection web page. And a registration function for registering the preselected collection conditions.

[Detailed Description of the Invention] Hereinafter, embodiments of a payment system and method according to the present invention will be described with reference to the drawings. The present invention is basically a payment method using a credit card, and utilizes existing credit management functions, payment agency, billing, and deposit processing functions held by a card company. The members of the marketplace that performs payment by credit card are a marketplace (MP), a seller company, a buyer company, and a credit card company. In addition to these, the system according to the invention
A Credit Settlement Support System Center (Credit Settlement Support SC) is provided to provide unique functions.

1. FIG. 1 is a configuration diagram schematically showing a payment system according to the present invention and its main flow. The flow will be described later. The credit settlement support SC 10 is actually an appropriate server and has a program for realizing various functions included in the present system. The server that implements the credit settlement support SC10 has a function of constructing and managing a website accessed and browsed via the Internet, and transmitting bidirectional information via the website. Furthermore, it has a function of transmitting bidirectional information by e-mail or the like via the Internet or another appropriate communication network without passing through a website. In addition, the credit settlement support SC 10 includes an appropriate storage device for temporarily or permanently storing and managing various data related to the present invention.

The seller company 20 and the buyer company 30 are appropriate client terminal devices as entities in the present system, and have a browser function for browsing a website via the Internet, and have other necessary communication functions. . Both the seller company 20 and the buyer company 30 are companies that participate in the marketplace 40 and perform e-commerce, and it is premised that the service provided by the credit settlement support SC10 is used for settlement in the e-commerce. . That is, the seller company 20 and the buyer company 30 establish the credit settlement support S in advance.
The registration procedure for becoming a C10 member has been completed.

The marketplace 40 operates and manages a website constructed for the purpose of providing a place for a plurality of business transactions via the Internet. The marketplace 40 is also, in effect, an appropriate server. Marketplace 40 is a credit settlement support SC10
If an agreement such as an alliance is made in advance, and both companies involved in the transaction have both registered as members in the credit settlement support SC10, the payment processing for the transaction is executed in cooperation with the credit settlement support SC10. The marketplace 40 usually negotiates a certain method in principle for settlement between participating companies. For example, a conventional credit card system with a fixed settlement date. Among the participating companies, those who do not use the service of the credit settlement support SC10 follow the settlement method as prescribed in the marketplace 40. Among the participating companies, a company using the service of the credit settlement support SC10 can select another settlement method described later besides the settlement method as prescribed in the marketplace 40.

The credit card company 50 is a card company in which both companies dealing in the marketplace 40 are card member stores and card members.
In one transaction, the seller company is basically a card member store and the buyer company is a card member. However, due to the variety of intercompany transactions, the opposite situation may occur in other transactions. obtain. Credit card company 50 also
An agreement such as an alliance is established in advance with the credit settlement support SC10, and an existing credit management function, a payment agency function, a billing and payment collection function, and the like are provided to the present system in cooperation with the credit settlement support SC10. Credit card company 50
Is also an appropriate server in substance.

In this specification, “Credit settlement support SC”,
When referring to "marketplace", "credit card company (card company)", "seller (seller company)" and "buyer (buyer company)", they are essentially "credit settlement support server" and "marketplace server", respectively. "," Card company server "," seller terminal device (seller terminal) ", and" buyer terminal device (buyer terminal) ".

2. Outline of System Flow Description will be given along the main flow of the present system shown in FIG. (A) Order confirmation process in the marketplace As an example of the order confirmation process in the marketplace, steps A1 to A6 in FIG. 1 are performed in the marketplace 40 by a seller company (hereinafter referred to as “seller”) 20 and a buyer company (hereinafter “buyer”). 30) until the order is confirmed.

Step A1: The buyer 30 accesses the marketplace 40 and requests the purchase of a desired product or the like in the marketplace 40.

Step A2: An estimate from the seller 20 is transmitted to the buyer 30 in response to the purchase request.

Step A3: An approval from the buyer 30 for the quote is transmitted.

Step A4: In response to the approval from the buyer 30, the seller 20 transmits an order acceptance notification.

Step A5: Marketplace 40
In, the order for one transaction is determined between the seller 20 and the buyer 30. In FIG. 1, Marketplace 4
Conventional steps such as recording 0 for a transaction are omitted.

Step A6: Marketplace 40
Notifies the credit settlement support SC10 of the transaction information on the transaction for which the order has been confirmed. The transaction information includes, for example, identification information of buyers and sellers, transaction content information (products, quantities, amounts, and the like).

(B) Payment Condition Determination Process in Credit Settlement Support SC When the credit settlement support SC 10 is notified of the transaction information from the marketplace 40, the credit settlement support SC 10 next selects and fixes the payment condition to the buyer 30. Execute the process B. In this process B, a simulation and a credit check are performed in cooperation with the card company 50.

(B-1) When Buyer Selects Payment Extension FIG. 2 shows the flow of process B when buyer 30 selects payment extension as a payment condition.
FIG. 14 is a diagram shown in detail as 14.

Step B1: The credit settlement support SC 10, which has been notified of the transaction information from the marketplace in step A6, makes a payment condition designation request to the buyer 30. It is preferable to make the request by e-mail, and the URL of the website 12 constructed by the credit settlement support SC 10 is included in the e-mail.

Step B2: The buyer 30 accesses the website 12 of the credit settlement support SC 10 using the URL included in the payment condition designation request mail. The buyer 30 is authenticated for access by the identification number and the password assigned at the time of member registration with the credit settlement support SC10.

Step B3: After authentication, a web page for inputting payment terms is displayed. Two payment terms that can be selected, namely, the case where the payment date is extended, and the case where the payment method (original take-out) is prescribed according to the marketplace.
A street is shown. Here, the extension of the due date is selected.

Step B4: When the buyer 30 selects the payment extension, the length of the extension period (30 days, 60 days, 90 days, etc.) can be further selected as a payment condition. Prior to selecting the final payment terms, buyer 30 may utilize a simulation. When performing a simulation, simulation conditions are input.

Step B5: The simulation is executed by the card company 50. This is because the card company 50 has an existing simulation system. The credit settlement support SC 10 transmits the payment condition input by the buyer 30 to the card company 50 together with the transaction information and requests a simulation. In response, the card company 50 performs a simulation. In the simulation, data such as the credit card number of the buyer, the rating of the buyer company, the transaction amount, and the payment conditions input by the buyer are used. In the simulation, first, the transaction amount is
Check if it is within the usage limit.

Step B6: A simulation is performed. For example, if the buyer pays for an extension period of 30 days,
When the simulation is requested for the three types of 60 days and 90 days, the payment amount including the credit and the settlement fee in the case of the respective extended periods is calculated. Then, the simulation result is returned to the credit settlement support SC10.

Step B7: Credit settlement support SC10
Displays the simulation result returned from the card company 50 on a web page. The buyer 30 confirms the result on the screen, designates and inputs final payment conditions. In this way, the credit settlement support SC 10 receiving the payment condition designated by the buyer 30 changes the payment condition to the card company 5
Transmit to 0. Here, it is considered that the credit settlement support SC10 has confirmed the buyer's willingness to apply for an indemnity obligation.

Step B8: The card company 50 performs credit confirmation based on the designated payment conditions. This secures the usage balance.

Step B9: The card company 50 registers the transaction information and the payment conditions. That is, it is recorded in the database of the card company 50.

Step B10: The card company 50 issues an approval number for the transaction. This means that the credit card company 50 approves the payment agent and the buyer to assume the debt. The card company 50 notifies the credit settlement support SC 10 of the approval number.

Step B11: The credit settlement support SC 10 that has received the approval number displays the details of the payment method on the web page. Furthermore, credit settlement support S
C10 independently registers the payment approval number.

Step B12: Here, credit settlement support S
C10 is deemed to have confirmed the card company's willingness to assume an indemnity obligation.

Step B13: Credit settlement support SC10
Assigns a transaction identification number to the transaction for which the payment conditions have been determined, and registers the relevant information in the transaction database.
The related information includes transaction information, payment conditions, an approval number by the card company, a payment approval number by the credit settlement support SC, a transaction identification number, and the like. Hereafter, credit settlement support S
C identifies each transaction based on the transaction identification number.

Step B14: Credit settlement support SC10
Notifies the seller 20 of the payment condition confirmation and notifies the seller 20 of the contents of the payment condition. However, the contents of the payment terms to the seller do not include the result of the credit check.

(B-2) Case Where Buyer Selects Original Purchase FIG. 3 shows the details of the flow of the process B when the buyer 30 selects the payment method (original purchase) as specified in the marketplace 40 as a payment condition. FIG.

Steps B1 to B3: The same as steps B1 to B3 in FIG. 2 described above. In the selection of the payment terms, here, the source is selected.

Step B100: When the original is selected, a payment condition confirmation screen is immediately displayed. The contents already set such as the account number and the due date of the buyer 30 are displayed and a confirmation is requested. The buyer 30 confirms the content.

Step B101: Credit settlement support SC1
0 displays the confirmed contents about the payment method on the web page after the buyer 30 is confirmed. Further, the credit settlement support SC 10 independently registers a payment approval number.

Step B102: Credit settlement support SC1
0 assigns a transaction identification number to the transaction for which the payment conditions have been determined, and registers related information in the transaction database. The related information includes transaction information, payment conditions, an approval number by the card company, a payment approval number by the credit settlement support SC, a transaction identification number, and the like. Thereafter, the credit settlement support SC identifies each transaction based on the transaction identification number. Note that, when the original payment is selected, the card company 50 is not notified at the stage of determining the buyer's payment conditions.

Step B103: Credit settlement support SC1
“0” notifies the seller 20 of the payment condition confirmation and notifies the seller 20 of the contents of the payment condition.

(C) Collection Condition Determination Process in Credit Settlement Support SC The credit settlement support SC 10 notifies the seller 20 of the payment condition determination in the above step B14 or step B103, and then collects the seller 20. The process C of FIG. 1 is executed to select and confirm the condition. Also in this process C, simulation and credit check are performed in cooperation with the card company 50. FIG.
FIG. 3 is a diagram showing a flow of a process C in detail.

Step C1 (Step B14 in FIG. 2 or Step B103 in FIG. 3): This is the above-mentioned notice of payment condition determination, but is indicated by the code C1 as the start step of the process C. The payment condition confirmation notification is also a request for the seller to specify the collection conditions. It is preferable that the credit settlement support SC10 send the payment condition confirmation notification by e-mail, and the URL of the website 12 constructed by the credit settlement support SC10 is included in the e-mail.

Step C2: The seller 20 sends the payment condition confirmation notice (collection condition designation request) mail to the U
Website 12 of credit settlement support SC10 using RL
Access to Seller 20 is credit settlement support SC10
Access is authenticated by the identification number and password assigned when registering as a member.

Step C3: After authentication, a web page of the transaction list is displayed. The relevant information about the transaction is displayed.

Step C4: Next, a web page for inputting collection conditions is displayed. A plurality of selectable collection conditions are shown. Here, there are three payment methods: early funding, payment guarantee, and original payment. The early funding is a method in which payment is made earlier than the collection conditions stipulated in the marketplace 40, and is possible within the credit range of the buyer 30.
The payment guarantee is a method of guaranteeing the payment within the credit range of the buyer 30, although payment is made under the collection conditions as prescribed by the marketplace 40. Haratori is Marketplace 4
This is a method in which payment is made under the collection conditions as specified in 0 and there is no guarantee.

Step C5: After the seller 20 selects one of the depositing methods, a simulation can be used as to whether early funding and payment guarantee are possible among the depositing methods. This is because whether or not the payment method selected by the seller 20 is possible is based on the premise that the payment method can be collected from the buyer 30. The seller 20 selects and inputs either the early funding method or the payment guarantee method as a condition for the simulation.

Step C6: The simulation conditions input by the seller 20 are transmitted to the card company 50, and the card company 50 executes the simulation. . If the seller 20 selects the deposit method of early funding and payment guarantee, and if the payment method of the buyer 30 is based on the original purchase, the usage limit of the buyer 30 has not been confirmed yet (FIG. 3).
Therefore, when the payment method of the buyer 30 is the original payment, it is first confirmed that the transaction amount is within the usage limit of the buyer 30. When the payment method of the buyer 30 is other than the original take-up, the use limit is already confirmed, and thus the confirmation is not performed. In the simulation, the buyer's credit card number,
Data such as the rating of the buyer company, the transaction amount, and the collection conditions input by the seller are used. In the simulation, first, it is confirmed whether or not the transaction amount is within the usage limit of the buyer 30.

Step C7: Next, a simulation of the collection method selected by the seller 20 is performed. For example, when the seller requests a simulation of early funding as a collection condition, a fee for credit and settlement is calculated. Then, the simulation result is returned to the credit settlement support SC10.

Step C8: Credit settlement support SC10
Displays the simulation result returned from the card company 50 on a web page. The seller 20 confirms the result on the screen, and designates and inputs final collection conditions. The credit settlement support SC 10 that has received the collection conditions designated by the seller 20 in this manner changes the collection conditions to the credit card company 5.
Transmit to 0. Here, it is considered that the credit settlement support SC10 has confirmed the seller's willingness to accept the indemnity of debt.

Steps C9 to C11: These steps are executed when the payment method of the buyer 30 is based on the original take.
If the buyer 30 selects the original payment method and the seller 20 selects the early funding and payment guarantee payment method, the buyer 30 has not yet been checked for creditworthiness (see FIG. 3). In the case where is the original, the card company 50 confirms the credit of the buyer 30. This secures the usage balance. Then, in step 10, the card company 50 registers the transaction information, the payment condition, and the collection condition. That is, it is recorded in the database of the card company 50. In step 11, the card company 50
Issue an approval number for the transaction. This means that the credit card company 50 approves the payment agent and the buyer to assume the debt. The card company 50 notifies the credit settlement support SC 10 of the approval number. If the payment method of the buyer 30 is not the original payment and the credit check has already been completed, only the step C10 is executed and the seller 20 is executed.
Is added to the database as related information of the transaction. As described above, the use limit and the credit of the buyer 30 are confirmed only once in principle in one transaction. However, when the transaction amount is changed as described later, the transaction may be performed again.

Step C12: Credit settlement support S here
C10 is deemed to have confirmed the card company's willingness to assume an indemnity obligation.

Step C13: Credit settlement support SC10
Registers in the transaction database to add the determined collection conditions to the relevant information about the transaction.

Step C14: Credit settlement support SC10
Sends a transaction condition confirmation notification to the marketplace 40 to inform the contents of the transaction condition.

Here, another embodiment of the processes (B) and (C) will be described. Basically, the selection of the payment condition by the buyer in the process (B) and the selection of the collection condition by the seller in the process (C) can be performed in any order. Regardless of the order in which the steps are performed, it suffices that the credit settlement support SC can recognize both desired conditions as a result. Further, in the above example, it is assumed that the seller and the buyer basically conduct a transaction under the conditions stipulated in the marketplace. It is also possible to register in SC. In such a case, when the seller and / or the buyer register for participation in the present system, a basic condition is selected and notified to the credit settlement support SC, and the credit settlement support SC registers the condition. Selection during registration can also be made via a web page, as described above. The seller and the buyer can specify the conditions registered in advance in accordance with the above-described flow of the present system at the time of each transaction, or can specify other conditions.

(D) Transaction Confirmation Process Returning to FIG. 1, steps D1 to D6 are credit settlement support S
C and a process for performing the settlement process for the transaction in the marketplace (for the sake of explanation, there is a portion that overlaps with process C in FIG. 4).

Step D1 (Step C1 in FIG. 4)
3): Step C13 in FIG. 4, where the payment conditions of the buyer 30 and the collection conditions of the seller 20 are determined, and all the transaction conditions are determined.

Step D2 (Step C1 in FIG. 4)
4): Step C14 in FIG. 4, which is a transaction condition confirmation notification to the marketplace 40.

Step D3: Marketplace 40
Receives the transaction condition confirmation notice, confirms the contents of the transaction, and adds related information such as payment conditions and collection conditions to the record related to the transaction.

Step D4: Marketplace 40
Performs the transaction-completed processing on the transaction assuming that the transaction is completed.

Step D5: Marketplace 40
Notifies the credit settlement support SC10 that the transaction has been established.

Step D6: Credit settlement support SC10
Upon receiving the transaction completion notification from the marketplace 40, performs the transaction confirmation processing for the transaction.

(E) Delivery / Inspection Process (E-1) Steps E1 to E10 in FIG. 1 are an example of the delivery and acceptance process.

Step E1: Seller 20 to Buyer 3
Delivered to 0.

Step E2: If there is a discrepancy between the transaction content determined in the above process and the actually delivered content, the seller 20 sends a price adjustment notification to the marketplace 40 for price adjustment. Transmit. The price adjustment notification includes information necessary for the price adjustment.

Step E3: The marketplace 40 that has received the price adjustment notification performs a price adjustment process.

Step E4: On the other hand, after delivery, the buyer 30 transmits an acceptance notice to the marketplace 40.

Step E5: The acceptance confirmation notice is transmitted from the seller 20 to the marketplace 40. At this point, the actual transaction amount is determined.

Step E6: Upon receiving the acceptance confirmation notice from the seller 20, the marketplace 40 performs an acceptance process for the transaction. The acceptance notification from the buyer 30 may be omitted, and the acceptance process may be performed only by the acceptance confirmation notification from the seller 20.

Step E7: Marketplace 40
Sends an acceptance record notification to the credit settlement support SC10. The acceptance result notification includes the confirmed actual acceptance amount information.

Step E8: The credit settlement support SC 10 that has received the acceptance record notification performs acceptance record acceptance processing.
Register additional information related to the transaction. At this point, the seller and the buyer may be notified that the acceptance has been confirmed (not shown).

Step E9: Credit settlement support SC10
Transmits a notice of acceptance and a change in amount to the card company 50. If there is no change in the amount, information on the amount is unnecessary.

Step E10: When the card company 50 receives the acceptance notice, it performs a billing process. When there is a change in the amount of money, the credit limit and the credit may be checked again, or the seller may be checked again. In the billing process, for example, the buyer is notified of a billing statement,
The payment details are notified to the seller.

(E-2) Another example of E2 to E8 in the delivery and acceptance process will be described. In step E2 and E6 in the above example (E-1), the price adjustment notice and the acceptance confirmation notice from the seller and the acceptance notice from the buyer in step E5 are directly transmitted to the credit settlement support SC instead of the marketplace. Then, in the credit settlement support SC, the payment adjustment process, the determination of the actual transaction amount, and the inspection process for the transaction are performed, and the inspection result is determined.

(F) Payment Process Steps F1 to F4 in FIG. 1 are a payment process from the buyer 30.

Step F1: Payment is made from the buyer 30 in accordance with the payment conditions determined above. For example, automatic debit (transfer), transfer, and the like are performed on a predetermined date. The card company 50 confirms the payment.

Step F2: The card company 50 notifies the credit settlement support SC 10 of the payment completion from the buyer 30.

Step F3: Credit settlement support SC10
Performs a received payment process and additionally registers the information in the relevant information of the transaction.

Step F4: Credit settlement support SC10
Notifies the marketplace 40 that the buyer has paid.

(G) Payment Process Steps G1 to G4 in FIG. 1 are a payment process to the seller 20.

Step G1: The card company 50 pays the seller 20 in accordance with the above-mentioned determined collection conditions. For example, it is paid immediately after the above-mentioned acceptance processing.

Step G2: The card company 50 notifies the credit settlement support SC 10 that the seller 20 has been paid.

Step G3: Credit settlement support SC10
Performs payment acceptance processing and additionally registers the information in the relevant information of the transaction.

Step G4: Credit settlement support SC10
Notifies the marketplace 40 that the seller has been paid. Further, the credit settlement support SC 10 may make the seller's payment notice visible to the seller by using a given web page of the website 12.

[0127]

According to the present invention, a credit settlement support SC linked with a marketplace and a credit card company is provided.
Operates a payment system for transactions on the marketplace. As a result, for each of the seller and the buyer, a desired method can be selected from a plurality of collection conditions and payment conditions, and payment and payment can be executed according to the selected method. . Therefore, it is possible for the seller to make immediate funding or to make a deposit as prescribed in the marketplace. For the buyer, the settlement date can be extended or paid as prescribed. Payment to the seller
The risk is avoided for the seller because it is based on the credit limit check of the buyer's credit card. Also, unless the buyer receives confirmation of the acceptance notice, the seller is not funded, so that the risk for the buyer is avoided. Furthermore, by using the existing credit card payment system, both sellers and buyers,
Payments and payments relating to transactions with a plurality of counterparties are collected, and paperwork such as invoicing and payment application is omitted.

[Brief description of the drawings]

FIG. 1 is a configuration diagram schematically showing a payment system according to the present invention and a main flow thereof.

FIG. 2 is a diagram showing in detail a flow of a process B in a case where a buyer selects a payment extension as a payment condition in FIG. 1;

FIG. 3 is a diagram showing in detail a flow of a process B in a case where a buyer selects a payment method (original take) as prescribed in a marketplace as a payment condition in FIG. 1;

FIG. 4 is a diagram showing a flow of a process C of FIG. 1 in detail.

[Explanation of symbols]

10 Credit Settlement Support System Center (Credit Settlement Support S
C) 20 seller companies 30 buyer companies 40 marketplaces 50 credit card companies

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor, Hisao Shimizu 1-1-1, Otemachi, Chiyoda-ku, Tokyo Inside the Sanwa Bank, Ltd. (72) Inventor Tatsuo Tsutsumi, 1-1-1, Otemachi, Chiyoda-ku, Tokyo No. 1 Inside Sanwa Bank (72) Inventor Kei Iwasaki 1-1-1 Otemachi, Chiyoda-ku, Tokyo Inside Sanwa Bank, Ltd.

Claims (41)

[Claims] 1. A credit and settlement system executed by a credit settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in a marketplace, wherein the credit settlement support server is Means for receiving, from the marketplace server, order confirmation information relating to the e-commerce; means for allowing a buyer-side terminal to browse a payment condition selection web page; and the market selected by the buyer-side terminal. Means for receiving information on payment terms other than the prescribed payment terms of the place via the web page for selecting payment terms; and executing the credit check of the buyer based on the payment terms together with the information on the selected payment terms. Means for transmitting the required notice to the card company server; Means for receiving a confirmation result from the card company server; means for allowing a seller-side terminal to browse a collection condition selection web page; and information on the collection condition selected by the seller-side terminal. A credit and settlement system comprising: means for receiving via a web page for use; and means for transmitting information on the collection conditions to the card company server. 2. The credit settlement support server further comprises: means for receiving simulation condition information on the selected payment condition from the buyer-side terminal; and a simulation based on the selected payment condition and the simulation condition. Means for transmitting a notification requesting execution to the card company server, and means for allowing a web page displaying a result of the simulation executed by the card company server to be viewed on the buyer side terminal. The credit and settlement system according to claim 1, characterized in that: 3. The credit and settlement system according to claim 1, wherein the selected collection condition is a collection condition other than a prescribed collection condition of the marketplace. 4. When the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server further includes information on a simulation condition for the selected collection condition. Means for receiving from the seller-side terminal; means for transmitting a notification requesting execution of a simulation based on the selected collection conditions and the simulation conditions to the card company server; and a means for receiving the simulation executed by the card company server. 2. A credit and settlement system according to claim 1, further comprising means for enabling a web page displaying a result to be viewed by said seller terminal. 5. A credit and settlement system executed by a credit and settlement support server cooperating with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in a marketplace, wherein the credit and settlement support server is Means for receiving, from the marketplace server, order confirmation information relating to the e-commerce; means for allowing a buyer-side terminal to browse a payment condition selection web page; and the market selected by the buyer-side terminal. Means for receiving information on the payment terms as prescribed by the place via the web page for selecting payment terms; means for enabling the web page for selecting collection terms to be displayed on the terminal on the seller side; and the terminal on the seller side The information of the collection conditions selected by the above is collected on the collection condition selection web page. Means for receiving the payment condition and the collection condition information, and transmitting to the card company server a notification to execute a credit check of the buyer based on the payment condition; and Means for receiving from a card company server. 6. The credit and settlement system according to claim 5, wherein the selected collection condition is a collection condition other than a prescribed collection condition of the marketplace. 7. When the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server further includes information on a simulation condition for the selected collection condition. Means for receiving from the seller-side terminal; means for transmitting a notification requesting execution of a simulation based on the selected collection conditions and the simulation conditions to the card company server; and a means for receiving the simulation executed by the card company server. The credit and settlement system according to claim 5, further comprising: means for enabling a web page displaying a result to be viewed on the seller side terminal. 8. The credit settlement support server further includes: a means for receiving an acceptance notification related to the e-commerce from the buyer terminal; a means for receiving an acceptance confirmation notice related to the e-commerce from the seller terminal; A verification result determining means for determining the verification result based on the notification and the verification confirmation notification; and a notification requesting credit and settlement based on the selected payment and collection conditions together with the determined verification result information to the card company server. The credit and settlement system according to claim 1, further comprising a transmission unit. 9. The credit settlement support server further includes: means for receiving, from the marketplace server, acceptance record information relating to the electronic commerce; and credit and payment based on the selected payment condition and collection condition together with the acceptance record information. 6. The credit and settlement system according to claim 1, further comprising means for transmitting a notice requesting settlement to the card company server. 10. When the acceptance record information includes change information of the amount related to the e-commerce, the credit settlement support server further transmits a notification requesting execution of a credit check of the buyer again based on the change information. The credit and settlement system according to claim 8 or 9, further comprising means for transmitting to a company server. 11. A means for the credit settlement support server to further receive a notification from the card company server that payment has been made from the buyer according to the payment conditions, and that the credit has been received from the buyer. And a means for transmitting a notice of the payment to the marketplace server. 12. The credit settlement support server further receives, from the card company server, a notification that payment has been made to the seller in accordance with the collection conditions, and a notification that payment has been made to the seller. To the marketplace server; and means for enabling the seller-side terminal to browse a web page displaying a notification that the seller has been paid. The credit and settlement system according to claim 1. 13. The credit settlement support server further includes means for enabling a buyer-side terminal to browse a payment condition selection web page in advance of the electronic commerce, and a payment pre-selected by the buyer-side terminal. Means for receiving a condition via the payment condition selection web page; registration means for registering the preselected payment condition; and a collection condition selection web for the seller terminal in advance prior to the electronic commerce. Means for allowing a page to be browsed; means for receiving a collection condition preselected by the seller-side terminal via the collection condition selection web page; and registration means for registering the preselected collection condition. The credit and settlement system according to claim 1, further comprising: 14. A credit and settlement method executed by a credit settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in the marketplace, wherein the order related to the transaction is determined. Receiving information from the marketplace server, allowing the buyer-side terminal to view a payment condition selection web page, and selecting a payment condition other than the prescribed payment condition of the marketplace selected by the buyer-side terminal. Receiving the payment condition information via the payment condition selection web page; and transmitting to the card company server a notification requesting execution of a credit check of the buyer based on the payment condition together with the selected payment condition information. Transmitting the credit confirmation result of the buyer to the car Receiving from the company server, allowing the seller side terminal to browse the collection condition selection web page, and collecting the collection condition information selected by the seller side terminal via the collection condition selection web page. And receiving the collection condition information to the card company server. 15. A credit and settlement method executed by a credit settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in a marketplace, wherein: Receiving information from the marketplace server; allowing the seller-side terminal to browse a collection condition selection web page; and collecting the collection condition information selected by the seller-side terminal for the collection condition selection. Receiving via a web page; transmitting the collection condition information to the card company server; allowing the buyer side terminal to browse a payment condition selection web page; and the buyer side Prescribed payment terms of said marketplace selected by the terminal Receiving the payment condition information other than the payment condition via the payment condition selection web page; and transmitting the notification requesting execution of the credit check of the buyer based on the payment condition together with the selected payment condition information to the card. A credit and settlement method, comprising the steps of: transmitting to a company server; and receiving a credit confirmation result of the buyer from the card company server. 16. The credit settlement support server further comprises: receiving information on a simulation condition for the selected payment condition from the buyer side terminal; and executing a simulation based on the selected payment condition and the simulation condition. Transmitting a notification requesting execution to the card company server; and allowing the buyer terminal to browse a web page displaying the result of the simulation executed by the card company server. The credit and settlement method according to claim 14 or 15, wherein: 17. The credit and settlement method according to claim 14, wherein the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace. 18. When the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server further includes information on a simulation condition for the selected collection condition. Receiving from the seller terminal; transmitting a notification requesting execution of a simulation based on the selected collection condition and the simulation condition to the card company server; and executing the simulation executed by the card company server. 16. The credit and settlement method according to claim 14, further comprising a step of making a web page displaying a result browsable to the seller terminal. 19. A credit and settlement method executed by a credit settlement support server in cooperation with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in a marketplace, wherein: Receiving information from the marketplace server; allowing a buyer terminal to view a payment condition selection web page; and determining payment conditions as specified by the marketplace selected by the buyer terminal. Receiving information via the payment condition selection web page; allowing the seller-side terminal to view the collection condition selection web page; and information on the collection condition selected by the seller-side terminal. Via the collection condition selection web page Transmitting a notification to the card company server to execute a credit check of the buyer based on the payment condition together with information on the payment condition and the collection condition; and receiving a credit check result of the buyer from the card company server. And a credit and settlement method. 20. A credit and settlement method executed by a credit settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in a marketplace, wherein an order related to the transaction is determined. Receiving information from the marketplace server; allowing the seller-side terminal to browse a collection condition selection web page; and collecting the collection condition information selected by the seller-side terminal for the collection condition selection. Receiving via a web page; allowing a buyer terminal to view a payment condition selection web page; and information on payment conditions as defined by the marketplace selected by the buyer terminal. Via the payment condition selection web page Transmitting a notification to the card company server to execute a credit check of the buyer based on the payment condition together with the information of the selected payment condition and collection condition; and transmitting the result of the credit check of the buyer to the card company server. Receiving from a credit and settlement method. 21. The credit and settlement method according to claim 19, wherein the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace. 22. When the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server further includes: information on a simulation condition for the selected collection condition. Receiving from the seller terminal; transmitting a notification requesting execution of a simulation based on the selected collection condition and the simulation condition to the card company server; and executing the simulation executed by the card company server. 21. The credit and settlement method according to claim 19, further comprising the step of enabling a web page displaying a result to be viewed on the seller side terminal. 23. A step of receiving an acceptance notice relating to the e-commerce from the buyer terminal, a step of receiving an acceptance confirmation notice relating to the e-commerce from the seller terminal, and based on the acceptance notice and the acceptance confirmation notice. And confirming the acceptance record information, and transmitting to the card company server a notification requesting a credit card settlement based on the selected payment and collection conditions together with the confirmed acceptance record information. The credit and settlement method according to claim 14, 15, 19, or 20. 24. A step of receiving the acceptance record information related to the electronic commerce from the marketplace server, and the card company sends a notice requesting credit and settlement based on the selected payment and collection conditions together with the acceptance record information. 21. The credit and settlement method according to claim 14, further comprising the step of transmitting to a server. 25. When the acceptance result information includes change information of the amount related to the e-commerce, the method further includes a step of transmitting to the card company server a notification requesting that the buyer again execute credit confirmation based on the change information. The credit and settlement method according to claim 23 or 24, wherein 26. A step of receiving, from the card company server, a notification that payment has been made from the buyer in accordance with the payment conditions, and transmitting a notification that payment has been made from the buyer to the marketplace server. 21. The credit and settlement method according to claim 14, further comprising the step of: 27. A step of receiving from the card company server a notification that payment has been made to the seller in accordance with the collection conditions, and a step of notifying the marketplace server that payment has been made to the seller. 20. The method according to claim 14, further comprising a step of transmitting, and a step of making a web page displaying a notification that the seller has made a payment available to the seller side terminal.
Or the credit and settlement method according to any of 20. 28. A step of allowing a buyer terminal to browse a payment condition selection web page in advance of the electronic commerce, and the payment condition pre-selected by the buyer terminal to the payment condition selection web. Receiving via a page, registering the pre-selected payment conditions, and allowing the seller-side terminal to browse the collection condition selection web page in advance of the e-commerce, 15. The method according to claim 14, further comprising: receiving a collection condition preselected by the seller terminal via the collection condition selection web page; and registering the preselected collection condition. , 15, 19 or 20. 29. A program executed by a credit settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for an inter-company electronic commerce in a marketplace, wherein: A function of receiving order confirmation information relating to e-commerce from the marketplace server, a function of allowing a buyer terminal to browse a payment condition selection web page, and a function of the marketplace selected by the buyer terminal. A function of receiving payment condition information other than prescribed payment conditions via the payment condition selection web page; and a notification requesting execution of a credit check of the buyer based on the payment conditions together with the selected payment condition information. To the card company server and the buyer's credit check A function of receiving a result from the card company server, a function of allowing a seller-side terminal to view a collection condition selection web page, and a function of receiving the collection condition information selected by the seller-side terminal for the collection condition selection. A credit and settlement program which realizes a function of receiving via a web page and a function of transmitting information on the collection conditions to the card company server. 30. The credit settlement support server further comprising: a function of receiving simulation condition information on the selected payment condition from the buyer-side terminal; and a simulation based on the selected payment condition and the simulation condition. A function of transmitting a notification requesting execution of the simulation to the card company server, and a function of enabling a web page displaying a result of the simulation executed by the card company server to be viewed on the buyer side terminal. 30. A credit and settlement program according to claim 29. 31. The credit and settlement program according to claim 29, wherein the selected collection condition is a collection condition other than a prescribed collection condition of the marketplace. 32. When the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server is further provided with information on a simulation condition for the selected collection condition. A function of transmitting a notification requesting execution of a simulation based on the selected collection condition and the simulation condition to the card company server; and a function of the simulation executed by the card company server. 30. The credit and settlement program according to claim 29, wherein a function of enabling the seller-side terminal to browse a web page that displays the result of (1). 33. A credit and settlement program executed by a credit and settlement support server that cooperates with a marketplace server and a card company server to perform credit and settlement for inter-company electronic commerce in a marketplace. On the other hand, a function of receiving order confirmation information related to the e-commerce from the marketplace server, a function of allowing a buyer terminal to browse a payment condition selection web page, and a function selected by the buyer terminal. A function of receiving payment condition information as specified in the marketplace via the payment condition selection web page, a function of allowing the seller side terminal to view the collection condition selection web page, and a function of the seller The information on the collection condition selected by the terminal is stored in the collection condition selection web. And a function of transmitting a notification to the card company server to execute a buyer's credit check based on the payment conditions together with information on the payment conditions and collection conditions, and a buyer's credit check result. A credit and settlement program for realizing a function of receiving from the card company server. 34. The credit and settlement program according to claim 33, wherein the selected collection condition is a collection condition other than a prescribed collection condition of the marketplace. 35. In the case where the selected collection condition is a collection condition other than the prescribed collection condition of the marketplace, the credit settlement support server is further provided with information on a simulation condition for the selected collection condition. A function of transmitting a notification requesting execution of a simulation based on the selected collection condition and the simulation condition to the card company server; and a function of the simulation executed by the card company server. 34. The credit and settlement program according to claim 33, wherein a function of enabling a web page displaying a result of the above to be viewed on the seller side terminal is realized. 36. The credit settlement support server further comprises: a function of receiving an acceptance notification relating to the electronic commerce from the buyer terminal; a function of receiving an acceptance confirmation notification relating to the e-commerce from the seller terminal; An acceptance result confirmation function for confirming the acceptance result based on the acceptance notice and the acceptance confirmation notice; and the card company server for notifying the credit and settlement based on the selected payment and collection conditions together with the confirmed acceptance result information. 34. The credit and settlement program according to claim 29, wherein the credit and settlement program realizes a function of transmitting to a credit card. 37. The credit settlement support server further comprising: a function of receiving inspection result information on the electronic commerce from the marketplace server; and a credit based on the selected payment condition and collection condition together with the inspection result information. 34. The credit and settlement program according to claim 29, wherein a function of transmitting a notice requesting settlement and payment to the card company server is realized. 38. When the acceptance record information includes change information of the amount related to the e-commerce, the credit settlement support server further includes a notification requesting execution of the credit check of the buyer again based on the change information. The credit and settlement program according to claim 36 or 37, wherein a function of transmitting the credit and settlement to a card company server is realized. 39. The credit settlement support server further includes a function of receiving a notification from the card company server that payment has been made from the buyer in accordance with the payment conditions, and a payment from the buyer has been made. 34. The non-transitory computer-readable storage medium according to claim 29, further comprising a function of transmitting a notification to the effect to the marketplace server. 40. The credit settlement support server further has a function of receiving a notice from the card company server that payment has been made to the seller in accordance with the collection conditions, and a notice that the payment has been made to the seller. A function of transmitting a notification to the marketplace server and a function of enabling a webpage displaying a notification that the seller has been paid to be viewed by the seller terminal are realized. The credit and settlement program according to claim 29 or 33, wherein 41. The credit settlement support server further comprises: a function of allowing a buyer side terminal to browse a payment condition selection web page in advance of the electronic commerce; and a function selected in advance by the buyer side terminal. A function for receiving payment terms via the payment condition selection web page, a registration function for registering the preselected payment terms, and a collection condition selection for the seller terminal in advance prior to the electronic commerce. A function to enable browsing of a web page; a function to receive a collection condition previously selected by the seller terminal via the collection condition selection web page; and a registration function to register the pre-selected collection condition. 34. The credit and settlement program according to claim 29, wherein: