JP2003296648A - Fund transfer processing method, computer program, purchaser country side financial institution system, seller country side financial institution system and mediator system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To reduce a cost burden of an interested party of transactions by reducing a foreign remittance commission generated when transferring funds to a foreign country in network transactions over a plurality of countries. <P>SOLUTION: Escrow service controls a money flow in cooperation with a purchaser country side financial institution and a seller country side financial institution. First of all, a computer 51 of a purchaser country side financial institution system 50 specifies a purchaser country side escrow account associated with a lending account when receiving money from a purchaser to the lending account allocated with every transaction matter, and executes processing for collecting funds to the purchaser country side escrow account from the lending account. Next, the computer 51 specifies a total demand amount of a plurality of transaction matters put in a state for paying a price of a commodity to a seller after completing acceptance by a purchaser. The computer 51 executes overseas fund transfer processing for collectively transferring the funds corresponding to the total demand amount to a seller country side escrow account from the purchaser country side escrow account. <P>COPYRIGHT: (C)2004,JPO

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a money transfer processing method, a computer program, a buyer country financial institution system, a seller country financial institution system, and an intermediary system, and more particularly, to escrow in network transactions across multiple countries. Regarding services (cross-border escrow service).

[0002]

2. Description of the Related Art With the spread of network transactions represented by online shopping and the like, escrow services have attracted attention in order to reduce the risks of both sellers and buyers. "Escrow" originally means depositing important things to a third party, but in the transaction of goods, it acts as an intermediary between the seller and the buyer, and a cash flow (flow of money).
And controlling physical distribution (flow of goods). By interposing such an intermediary, the seller can avoid the risk that the price will not be paid despite the product being handed over, and the buyer will be able to receive the product despite the payment. You can avoid the risk of not being delivered.

For example, Japanese Patent Laid-Open No. 2001-283119 describes an escrow service in which an intermediary and a financial institution cooperate with each other. Specifically, when a sale is established in the virtual market on the Internet established by the intermediary, the intermediary notifies both the buyer and the seller of the contract number individually assigned for each sale. At the same time, the intermediary is responsible for the contract number, buyer information, and
Notify the financial institution of seller information and payment amount. The buyer who receives the payment notification with the contract number deposits the transaction amount with the contract number into the escrow account of the financial institution. According to the contract number, the financial institution confirms the deposit amount and the recipient (seller), and when appropriate, issues a personal identification number to the buyer. This PIN is indispensable information when the seller withdraws the money from the escrow account, and unless the seller obtains the PIN from the buyer, the PIN cannot be withdrawn from the escrow account.
On the other hand, the seller uses the contract number as a reference key to confirm with the financial institution whether or not payment has been made to the escrow account, and when the payment has been completed, delivers the product to the buyer.
Then, upon completion of the delivery of the merchandise, the seller receives a notification of the personal identification number from the buyer and notifies the financial institution of the personal identification number together with the contract number. This causes the transfer of funds from the escrow account to the seller's account, completing the series of transactions.

Further, as other conventional techniques related to the escrow service, Japanese Patent Laid-Open No. 2001-319157 and Japanese Patent Laid-Open No. 10-187830 are also known. The former discloses that, in the escrow service, the buyer who receives the delivery of the product cancels the purchase of the unnecessary product and can receive the substitute product. Further, the latter discloses the exchange of money between a buyer, a seller and a depositary institution using a personal identification number.

[0005]

Due to the characteristics of a global network represented by the Internet (borderlessness), the country to which the seller belongs may differ from the country to which the buyer belongs. In such network transactions across multiple countries, transfer of funds from the buyer's country to the seller's country (foreign remittance),
Also, the import and export of goods from the seller country to the buyer country occurs.
Therefore, the transaction party (the buyer if the buyer pays)
In addition to the transaction amount equivalent to the product price, it will be necessary to bear logistics costs including foreign remittance fees and tariffs,
The cost burden is heavy.

The present invention has been made in view of the above circumstances, and an object thereof is to reduce a foreign remittance charge that occurs when transferring funds to a foreign country in a network transaction across a plurality of countries. It is to reduce the cost burden on the transaction parties.

Another object of the present invention is to speed up the transaction by improving the processing efficiency of the system in the network transaction system constructed by the cooperation of a plurality of entities.

[0008]

[Means for Solving the Problems] In order to solve such a problem, the first invention relates to a network transaction across a plurality of countries, in which a buyer country financial institution of a country to which a buyer of a product belongs and a seller of the product. It is an escrow service that manages a cash flow in cooperation with a financial institution of a selling country of the country to which it belongs, and provides a method of processing the transfer of funds between accounts, which is executed by the financial institution system of the purchasing country. First, in the first step,
The computer collects the funds deposited by the buyer of each transaction item into the buyer country escrow account established in the buyer country financial institution. This process is performed with the cancellation information that can specify the correspondence between the deposited funds and the transaction item. In the second step, the computer identifies the total billed amount of a plurality of transaction items that have been inspected by the buyer and are in the situation where the seller should pay the merchandise. Then, in a third step, the computer carries out an overseas fund transfer process in which the funds corresponding to the total billed amount are collectively transferred from the buyer country escrow account to the seller country escrow account of the seller country financial institution.

In the first aspect of the present invention, it is preferable that the application information is a loan account number of a loan account assigned to each transaction and notified to each buyer. In this case, in the first step, the computer
When there is a payment from the buyer to a specific loan account, it is desirable to identify the buyer country's escrow account associated with the loan account and to collect funds from the loan account to the buyer's country escrow account. .

In the first aspect of the present invention, the first step is that the computer deposits money to the effect that a customer has made a deposit to an intermediary system that mediates between the seller and the buyer and manages the transaction item. It is preferable to include the step of directly or indirectly transmitting the notification with the cancellation information.

In the first aspect of the invention, the second step is to manage the transaction items that have been inspected by the buyer and are in a situation where the seller should pay the price of the goods, and the total billed amount of these transaction items is managed. The computer may include a step of inquiring of the total billing amount with respect to the financial institution system on the seller side for calculation.

In the first invention, the third step may include a step of comparing the account balance of the buyer's country side escrow account with the total billed amount. in this case,
The overseas money transfer process is executed when the account balance of the escrow account on the buyer side is equal to or more than the total billed amount.

In the first invention, when the merchandise delivered to the buyer is returned, the computer costs from the deposit amount of the buyer to the round-trip logistics between the seller and the buyer or to the money flow. A fourth step of calculating an amount equivalent to the amount obtained by subtracting at least one of the above as a refund amount to the buyer may be further provided.

In the first invention, it is desirable that the escrow account on the buyer country side is a deposit account in the name of the financial institution of the buyer country, and the escrow account on the seller country side is a deposit account in the name of the financial institution of the seller country.

The second invention relates to a network transaction across a plurality of countries, in which the financial institution of the buyer country of the country to which the buyer of the product belongs and the financial institution of the country of the seller to the seller of the product collaborate to make money. An escrow service that manages the flow,
A method of processing a transfer of funds between accounts, which is executed by a financial institution system on the selling country side. First, in the first step, the computer manages a plurality of transaction items to be transferred from the buyer country escrow account of the buyer country financial institution to the seller country escrow account of the seller country financial institution. Second
In the step of (1), if the funds equivalent to the total billed amount of multiple transaction items are collectively transferred from the buyer's country escrow account to the seller's country escrow account, the computer will Identify the deal. Then, in the third step, the computer distributes and pays the total billed amount to the seller corresponding to each transaction item.

Here, in the second aspect of the invention, in the first step, the computer manages the transaction by using the cancellation information that can specify the correspondence between the fund deposited by the buyer and the transaction. In the second step, it is preferable that the computer identify the transaction item by the cancellation information. In this case, it is preferable that the third step includes a step in which the computer specifies the billing amount of each transaction item based on the application information.

In the second invention, it is preferable that the application information is a loan account number of a loan account assigned to each transaction and notified to each buyer.

[0018] A third aspect of the present invention relates to a network transaction across a plurality of countries, where the financial institution of the buyer country of the country to which the buyer of the product belongs and the financial institution of the country of the seller to the seller of the product collaborate to make money. An escrow service that manages the flow,
On the computer that constitutes the buyer country financial institution system,
In a computer program that executes a process of transferring funds between accounts, the computer, with the cancellation information that enables the computer to identify the funds deposited by the buyer of each transaction item, with the cancellation information that can identify the correspondence between the deposited funds and the transaction item. The first step of processing to collect in the buyer's country's escrow account opened in the country's financial institution, and a plurality of transaction items in a situation where the computer has completed inspection by the buyer and should pay the seller for the product The second step of identifying the total amount charged to the country, and the computer collectively transfers the amount of money equivalent to the total amount charged from the escrow account of the buyer's country to the escrow account of the seller's country's financial institution. There is provided a computer program for causing a computer to execute a fund transfer processing method having a third step of performing transfer processing.

Here, in the third invention, it is preferable that the application information is a loan account number of a loan account assigned to each transaction and notified to each buyer. Then, in the first step, the computer identifies the buyer country-side escrow account associated with the loan account when the specific loan account receives payment from the buyer, and at the same time, from the loan account to the buyer country-side escrow account. It is preferable to perform a process of collecting funds in an account.

In a fourth aspect of the present invention, regarding a network transaction across a plurality of countries, the financial institution of the buyer country of the country to which the buyer of the product belongs and the financial institution of the country of the seller to the seller of the product collaborate to make money. An escrow service that manages the flow,
On the computer that configures the financial institution system of the seller,
In a computer program for executing a method of transferring funds between accounts, the computer transfers a plurality of transaction items to be transferred from an escrow account on the buyer's side of a financial institution of the buyer's country to an escrow account on the selling's side of a seller's financial institution. When the first step of managing and the funds equivalent to the total billed amount of a plurality of transaction items are collectively moved from the buyer's country escrow account to the seller's country escrow account, the computer becomes the target of the fund transfer. And a third step in which the computer distributes and pays the total billed amount to the seller corresponding to each transaction item. A computer program to be executed by a computer is provided.

[0021] A fifth aspect of the present invention relates to a network transaction across a plurality of countries, in which a financial institution of a buyer country of a country to which a buyer of a product belongs and a financial institution of a country of a seller to a country to which a seller of a product belong in order to make money Provides the buyer's country side financial institution system in the escrow service that manages the flow. This system
It has a loan account table, a transfer processing unit, and an overseas fund transfer processing unit. In the loan account table that it has, the loan account and the buyer's country side escrow account are described in association with each other. The loan account is a dedicated deposit account assigned to each transaction. The buyer country escrow account is an account opened at the buyer country financial institution. When the loan account receives a payment from the buyer, the transfer processing unit refers to the loan account table to identify the buyer country-side escrow account associated with the loan account, and also from the loan account to the buyer country-side escrow account. Collect funds into an account. The overseas money transfer processing unit identifies the total billed amount of a plurality of transaction projects in which the buyer has completed the inspection and is in the situation where the seller should pay the price of the product, and the fund equivalent to the total billed amount is
Collectively transfer funds from the buyer's country escrow account to the seller's country financial institution's seller country escrow account.

Here, in the fifth aspect of the invention, the transfer processing unit mediates between the seller and the buyer, and notifies the intermediary system that manages the transaction item that the customer has paid. It is preferable to send directly or indirectly with a loan account number.

In the fifth aspect of the invention, the overseas money transfer processing unit manages a transaction case in which the inspection by the buyer is completed and the seller should pay the price of the merchandise, and calculates the total amount charged for the transaction case. The total amount billed may be inquired to the seller's financial institution system.

In the fifth invention, the overseas money transfer processing unit compares the account balance of the escrow account on the buyer country side with the total billed amount, and when the account balance of the escrow account on the buyer country side is equal to or more than the total billed amount. It is preferable to carry out a batch transfer of funds.

In the fifth invention, when the merchandise delivered to the buyer is returned, at least one of the payment amount of the buyer and the cost required for the round-trip logistics between the seller and the buyer or the cost required for the money flow. You may further have the refund processing part which calculates the amount equivalent to the amount of money subtracted as a refund amount to the buyer.

In the fifth invention, it is preferable that the escrow account on the buyer country side is a deposit account in the name of the financial institution of the buyer country and the escrow account on the seller country side is a deposit account in the name of the financial institution of the seller country.

[0027] A sixth aspect of the present invention relates to a network transaction across a plurality of countries, in which a buyer country financial institution of a country to which a product buyer belongs and a seller country financial institution of a country to which a product seller belongs cooperate with each other to make money. Providing a financial institution system for the seller side in the escrow service that manages the flow This system
It has a fund transfer request file and a computer for updating this fund transfer request file. The fund transfer request file manages a plurality of transaction items to be transferred from the buyer country escrow account of the buyer country financial institution to the seller country escrow account of the seller country financial institution. In addition, the computer can generate funds equivalent to the total billed amount of multiple transactions,
When the buyer country escrow account is collectively transferred to the seller country escrow account, the respective transaction items targeted for the fund transfer are identified by referring to the fund transfer request file. Then, the computer executes a process of distributing and paying the total billed amount to the seller corresponding to each transaction item.

Here, in the sixth aspect of the invention, the fund transfer request file manages the transaction item by the deletion information that can specify the correspondence between the fund deposited by the buyer and the transaction item, and the computer executes the deletion. Based on the information, we identify each transaction that was the target of the fund transfer,
It is preferable to specify the billing amount to be paid to the seller of each transaction item by the application information.

[0029] In the sixth invention, it is preferable that the application information is a loan account number of a loan account assigned to each transaction and notified to each buyer.

A seventh aspect of the present invention provides an intermediary system in an escrow service in which an intermediary who mediates between a seller and a buyer and manages a transaction item and a financial institution cooperate with each other regarding network transactions. The system has a transaction statement file and a computer. The transaction detail file manages the transaction content and transaction status of each transaction item based on the loan account number individually assigned to each transaction item. The computer is a seller computer,
Information can be transmitted through a network between the buyer computer and an external system including a financial institution system. In addition, when the transaction of the product is completed, the computer transmits the payment instruction to the buyer computer with the loan account number and the transaction content notification to the financial institution system with the loan account number. Then, when the computer receives, from the financial institution system, a payment notification indicating that the loan account designated by the loan account number received payment from the buyer with the loan account number, the computer accesses the transaction statement file and receives it. The transaction status of the transaction item corresponding to the loan account number is updated, and the delivery instruction to the seller computer is transmitted with the loan account number received. Further, when the computer receives the inspection notification with the loan account number from the buyer computer, the computer accesses the transaction statement file to update the transaction status of the transaction item corresponding to the received loan account number, and at the same time, the financial institution system. The payment instruction is sent with the loan account number received.

Here, in the seventh aspect of the invention, it is preferable that the application information is a loan account number of a loan account assigned to each transaction and notified to each buyer.

[0032]

BEST MODE FOR CARRYING OUT THE INVENTION FIG. 1 is a block diagram of a commodity trading system using a network and is shown in (1) to (1) in FIG.
4) shows the flow of the scheme. In this commodity trading system, in addition to a large number of members (mainly companies), entities such as market operators, intermediaries, logistics companies, buyer country financial institutions and seller country financial institutions are involved. Computers (or systems) 10 to 70 that can be operated by each subject
Includes a general computer configured with a storage device such as a CPU, a RAM, a ROM, a HDD and an input / output interface, and through a wired or wireless network (including the Internet, a public network, etc.) Has a network environment that can be connected to a computer owned by.

Here, the member is a person who has previously registered as a member for the intermediary, who can be a potential seller or a potential buyer, and who can receive the provision of the escrow service. . The market operator operates a marketplace (virtual shop) that exists on the Internet, which is a form of network, and provides information on the products (product content, sales price, etc.) on which the seller has put up a lot of potential information. Present to the buyer at any time. A “commodity” that is a target of a transaction can be a target of a commercial transaction, and includes movables, real estate, and services. The intermediary is an intermediary between the seller and the buyer, and manages both the money flow and the physical distribution in a series of transaction processes. A logistics company is a person who delivers goods from a seller to a buyer. This logistics company does not have to be a single entity, but may be multiple entities that cooperate with each other. Typically, the logistics company in the country to which the seller belongs (seller country) delivers the goods collected from the seller to the logistics company in the country to which the buyer belongs (buyer country), and the logistics company in the buyer country sends it to the buyer. It will be in the form of delivery. The buyer-country-side financial institution is a financial institution existing in the buyer-country, and the seller-country-side financial institution is a financial institution existing in the seller-country. As used herein, "financial institution"
The term is used in a broad concept including not only banks (including trust banks) but also post offices. Hereinafter, the financial institution of the buyer's country is referred to as “buyer's bank” as appropriate, and the financial institution of the seller's country is appropriately referred to as “seller bank”.

The general flow of the transaction is basically the same as that of a general escrow service. That is, the merchandise is delivered to the buyer (procedure (9)) on condition that payment from the buyer is made (procedure (5)). In addition, the payment is paid to the seller (procedure (14)) on the condition that the goods are inspected by the buyer (procedure (10)). However, this scheme establishes escrow accounts on both the buyer and seller countries to reduce the foreign remittance fees charged to the transaction parties (buyer). One of the features is that the two companies work together to manage the money flow.

Here, the "buyer country escrow account" means an account that is a fund transfer source and is established in a buyer country financial institution, and the amount individually paid by the buyer of each transaction is collectively included. It is an account to be organized. For example, in the case of a debt underwriting method in which a financial institution assumes the debt of the buyer, a deposit account in the name of the financial institution of the buyer can be used as the “escrow account of the buyer.” As this deposit account, for example, if a checking account is used, a savings account,
Existing E that can check the balance of checking account, time deposit, etc.
The convenience of the B system (electronic banking system) can be used as it is. As a result, it becomes possible for the seller country side to inquire the balance of the escrow account, check the transfer deposit details, instruct the transfer of funds (instruct the buyer to refund when returning the product), and so on. Incidentally, if such balance inquiry is not taken into consideration, an extra deposit in the name of the financial institution of the buyer country may be used as the escrow account of the buyer country.

On the other hand, the "seller country side escrow account" is
It refers to an account that is established as a transfer destination of funds in a financial institution on the selling side and accepts transfer of funds from an escrow account on the buying side. As the “seller country side escrow account”, for example, a deposit account in the name of the seller country side financial institution (may be a depot account) can be used. The transfer of funds between the escrow accounts from the buyer country side to the seller country side (procedure (13)) is performed by, for example, SWIFT (The Societ) which is a settlement data exchange network to which many banks in the world join.
y for Worldwide Interbank Financial Telecommucicat
Ion). Another form that does not use SWIFT is overseas money transfer using a dedicated network between head offices.

The buyer country escrow account and the seller country escrow account are not limited to accounts in the name of a financial institution, and accounts in the names of other persons (for example, intermediaries) may be used. Is natural.

Next, the procedure (1) for the computer processing of each entity constituting the commodity trading system shown in FIG.
It will be explained according to the flow of (14). First, a seller who wants to sell a new product operates his / her own seller computer 10 to send an exhibition request (to be exact, exhibition request data) to the network-operated market operator system 20 (procedure ( 1)). This listing request includes conditions such as a product price and a sales unit (for example, 1000 units) in addition to the product that the seller intends to sell. Market operator system 20 that has received the listing request from the seller computer 10
Will newly post the product related to this listing request on the marketplace. A large number of potential buyers browse the products on the marketplace with a browser by designating a predetermined network address on their own buyer computer 30.

Next, the buyer who wishes to purchase a certain listed product uses his / her own buyer computer 30 to send a purchase application to the market operator system 20 (procedure).
(2)). Market operator system 20 that received this
Establishes a transaction for the product related to the purchase application,
The fact is transmitted to the intermediary system 40 as a transaction establishment notification (procedure (3)). This notification includes the intermediary system 40.
It also includes information on the transaction details (eg, merchandise, quantity, amount, seller, buyer, etc.) necessary for managing each transaction item.

The intermediary system 40 collectively manages all the transaction items received from the market operator system 20. This system 40 is a computer 4
1 and a storage device accessible to the computer 41, and a transaction statement file 42 and a member file 43 are stored in this storage device. Computer 41
When the transaction completion notification is received from the market operator system 20, while assigning a new loan account number, a new record regarding the notified transaction item is added to the transaction statement file 42. The computer 41
When the data is received from the external system 30, 60, updates the description content of the transaction detail file 42 as appropriate to manage the progress status of the transaction.

FIG. 2 is an explanatory diagram of the transaction statement file 42. This file 42 is a set of records provided for each transaction item, and one record includes “loan account information”, “data creation date / time”, “transaction completion date”, “payment date”, "Amount information", "Buyer information",
"Seller information", "product information", "transaction status", etc. are associated with each other. Here, the "lending account information" is information about an account to which the buyer should deposit the money, including the branch account code and the lending account number. The loan account is a virtual account dedicated to deposit, which is lent to the customer (including an intermediary) by the financial institution. Intermediaries receive a large number of loan accounts from financial institutions and, at the discretion of the intermediary,
One loan account number is assigned to one transaction. The loan account number functions as consumption information that can specify the correspondence between the deposited fund and the transaction item.

For example, as shown in FIG. 10, a loan account 1 dedicated to deposit is assigned to a buyer A of a certain transaction, and a loan account 2 is assigned to a buyer B of another transaction. As a result, each loan account 1
Since item 5 is associated with buyers A to E for each transaction,
The financial institution and the intermediary can uniquely identify the transaction item by using the loan account numbers of the loan accounts 1 to 5 as matching keys. In order to ensure the function as such consumption information, in other words, to make it possible to collate the deposit data of financial institutions with the data exchanged in commercial transactions, both logistics and cash flow are based on the loan account number. Managed by.
In addition, a large number of loan accounts lent by financial institutions to intermediaries
It is associated with the buyer country escrow account. If the buyer's country side escrow account is the parent account, the loan account is equivalent to the child account. The funds deposited in the loan account are immediately collected in the buyer country escrow account, and the loan account number of the deposit source is retained as a part of the transaction history regarding the buyer country escrow account.

The "data creation date and time" in the transaction statement file 42 is the date and time when the record was created,
The "transaction completion date" is the date on which the transaction is established on the market operator side. The “payment date” is the date on which the buyer made a payment. Further, the “amount information” includes the transaction amount corresponding to the price of the product and various expenses including the tariff and the logistics cost. "Buyer information" is the member ID of the buyer, and "seller information" is the member ID of the seller. Detailed information of the buyer or seller can be specified by referring to the member file 43 linked (linked) with the member ID. The “commodity information” includes a product number (commodity classification in a trade transaction defined by law), a product name (product name), a quantity, a unit, a unit price, and the like. The "transaction status" indicates the progress status of the transaction, 1 (unpaid), 2 (paid), 3 (delivery instruction), 4 (inspection completed), 5 (transaction completed), 6 (return request), etc. The status of is described.

A new record in the transaction detail file 42 is created when the transaction completion notification in step (3) is received. At the time of this creation, the newly assigned number is entered in the "loan account number", and the "transaction status" is set to "1 (unpaid)". Also, at this point, the "payment date"
Remains blank.

FIG. 3 is an explanatory diagram of the member file 43 for managing detailed member information. This file 43 is a set of records provided corresponding to each member, and one record is used to record “member ID”, “company name”, “address”, “contact”, “network address”. , Information such as refund account information and designation of a distribution company are associated with each other.

After creating the new record, the intermediary system 40 sends a payment instruction to the buyer computer 30 (procedure (4)). In this payment instruction, the designation of the loan account number to be deposited and the amount to be deposited (the sum of the transaction amount and various expenses) are shown. At the same time, the intermediary system 40 transmits a transaction content notification indicating the transaction content to the seller country-side financial institution system 60 (hereinafter, simply referred to as "seller banking system 60") with a loan account number (procedure).
(Four)').

The vendor system 60 is a computer 61.
And a storage device accessible by the computer 61. The storage device stores a transaction statement file 62 and a fund transfer request file 63 described later. When the transaction content notification is received from the intermediary system 40, the computer 61 accesses the transaction detail file 62 and newly adds a record regarding the notified transaction item. Similarly to the intermediary system 40, the seller's banking system 60 also collectively manages individual transaction items by the transaction statement file 62. This transaction statement file 62 is
It has a file structure similar to the transaction statement file 42 shown in FIG. The computer 61 is an external system 40,
Transaction details file 42 when data is received from 50
Update the description of the item as appropriate to manage the progress of transactions.
As a result, the intermediary system 40 and the seller system 60
And the contents of the files 42 and 62 are kept the same.

The buyer who receives the payment instruction from the intermediary uses the buyer's computer 30 or ATM (automatic teller machine) or the like to deposit the payment amount equivalent to the loan account of the designated account number (procedure (5 )). In response to this, the buyer country side financial institution system 50 (hereinafter referred to as the "buyer banking system 50") transfers funds from the loan account to the buyer country side escrow account as a transfer process.

FIG. 4 is a block diagram of the buyer's banking system 50. This system 50 includes a computer 51
, A communication device 52, and a storage device accessible by the computer 51. In this storage device, a loan account table 53 and an account ledger file 54 are stored.
When the operation of the computer 51 is functionally grasped, the computer 51 has a control unit 55, a transfer processing unit 56, an overseas money transfer processing unit 57, and a refund processing unit 58. The control unit 55 is activated when data serving as an activation trigger is received from the external system, or is activated at a regular (for example, daily) processing timing, and executes the processing to the specific processing units 56 to 58. Instruct. The transfer processing unit 56 executes processing for transferring funds from the loan account to the buyer's country side escrow account. The overseas money transfer processing unit 57 performs processing for transferring funds from the escrow account on the buyer side to the escrow account on the seller side. The refund processing unit 58 performs a refund process on the escrow account on the buyer country side when returning the product received by the buyer to the seller. In this refund processing, the amount equivalent to the amount obtained by subtracting at least one of the cost required for round-trip logistics between the seller and the buyer or the cost required for money flow from the amount paid by the buyer is calculated as the refund amount to the buyer It

When the functional blocks 55 to 58 are realized by a computer program installed in the computer 51, the control unit 55 corresponds to a main routine, and the respective processing units 56 to 58 are called by the main routine. Equivalent to a subroutine.

FIG. 5 is a flow chart of a transfer processing routine executed by the transfer processing unit 56 when a payment is made to a loan account. First, in step 1, the loan account table 53 is searched, and the buyer country side escrow account associated with the loan account that received the payment is specified. The loan account table 53 is a table in which the correspondence between the loan account and the buyer's country side escrow account is described. By referring to this table, the buyer country side to which the funds deposited in the loan account are transferred The escrow account is identified.

Next, in step 2, payment processing to the buyer's country side escrow account is performed. Specifically, the transfer processing unit 56 accesses the account ledger file 54 that manages the balance and transaction history for each account, updates the balance of the escrow account on the buyer country side (adds the amount equivalent to the deposit amount), and Add numbered deposit history.

Then, in step 3, the transfer processing unit 56 transmits a deposit notice to the seller banking system 60 (procedure (6)). The deposit notification includes the deposit amount, the name of the transfer person, the loan account number, and the like. Receiving this notification, the seller banking system 60 accesses the transaction statement file 62, extracts the record corresponding to the received loan account number, and determines whether or not the deposited amount is appropriate. When it is determined that the deposit amount is excessive or insufficient, the seller banking system 60 gives an appropriate instruction.
Send to.

On the other hand, when it is determined that the deposit amount is appropriate, the seller's banking system 60 determines that the transaction statement file 6
Update the “Transaction status” of 2 to “2 (paid)” and enter today's date in the blank “payment date”. The vendor system 60 is the intermediary system 4
To 0, a payment completion notification including the same information as the payment notification in step (6) is transmitted with the loan account number (step). The intermediary system 40 receiving this extracts the record corresponding to the received loan account number from the record group in its own transaction detail file 42, similarly to the update processing of the transaction detail file 62 on the seller side, The "transaction status" and the "payment date" are updated. After that, the intermediary prepares data such as export customs documents necessary for exporting the merchandise, and notifies it to a predetermined logistics company together with requests for collection preparation, shipping preparation, cargo reception preparation, customs preparation, etc. Then, the intermediary system 40 changes the “transaction status” of this transaction item to “3 (delivery instruction)”, and then, to the seller computer 10,
Send the product delivery instruction (procedure (8)).

In the present embodiment, the buyer's banking system 50 transmits a payment notice to the seller's banking system 60 (procedure (6)), and the intermediary system 40 transfers it to the intermediary system 40. (Procedure). However, instead of this scheme, the buyer system 50
May directly send the deposit notification to the intermediary system 40. That is, the payment notification to the intermediary system 40 performed by the buyer's banking system 50 may be indirectly transmitted via the seller's banking system 60, or may be directly transmitted without going through the seller's banking system 60. Good.

Upon receipt of the delivery instruction, the seller ships the product to the buyer. Delivery of merchandise from the seller to the buyer is carried out by the prescribed logistics company, including necessary export acquisition procedures (procedure).
(9)).

If there is no problem with the product received from the distributor, the buyer operates his / her own buyer computer 30 to send an inspection notice with the loan account number to the intermediary system 40 (procedure (10)). . The intermediary system 40, which has received this, accesses the transaction detail file 42 and changes the “transaction status” to “4 (inspection completed)” for the transaction item specified by the received loan account number. The procedure for returning goods from the buyer to the seller will be described later.

Then, the intermediary system 40 sends a notification that the inspection is completed to the vendor system 60 with the loan account number (procedure (11)). Receiving this, the seller banking system 60 accesses the transaction detail file 62 and changes the “transaction status” to “4 (inspection completed)” for the received transaction item of the loan account number.

Thereafter, a payment instruction to the buyer's banking system 50, that is, a transfer of funds from the buyer's country side escrow account to the seller's country escrow account is instructed (procedure (1
2)). This payment instruction is not in the form in which the seller's banking system 60 directly instructs the buyer's banking system 50, but in a form in which the buyer's banking system 50 inquires the seller's banking system 60 regularly (for example, daily). Has become. Therefore, every time the seller banking system 60 receives a payment completion notification from the intermediary system 40 (procedure), it sequentially stores the transaction items related to the notification in the fund transfer request file 63. In the fund transfer request file 63, a plurality of transaction items that have been inspected by the buyer and are in a situation where the seller should pay the price of the product are stocked. At the same time, this file 63 manages the total billed amount of the billed amounts of the stocked transaction items. Funds equivalent to the total billed amount are collectively transferred from the escrow account on the buyer side to the escrow account on the seller side.

FIG. 6 is an explanatory diagram of a fund transfer request list created based on the fund transfer request file 63.
The fund transfer request file 63 is a file for managing, on a loan account number basis, transaction items that should be transferred in bulk from the buyer's country side escrow account to the seller's country side escrow account. In the list created by this file, transaction information (“buyer name”, “transaction completion date”, “transaction amount”) is set for each transaction item for which payment instruction is to be made, corresponding to the items included in the file 63. , "Lending account number", "payment date" to the lending account, etc.) and the fund transfer status are shown. Along with that, the total number of these deals is shown as the total number of transactions,
The total transaction amount (total transaction amount) obtained by adding up the transaction amounts of these transactions is also shown. In addition, before the transfer of funds, the “fund transfer status” of the transaction items (stock items) listed in this list are all “not yet”.
It has become.

FIG. 7 is a flowchart of an overseas money transfer processing routine executed by the overseas money transfer processing unit 57 which constitutes a part of the buyer's banking system 50. This routine
It is started daily. First, in step 11, the money transfer amount from the buyer's country side escrow account to the seller's country side escrow account is specified. This amount corresponds to the total transaction amount of stocked transactions. Processing unit 57
Queries the vendor system 60 via the communication device 52 for the total transaction amount. In response to this, the vendor system 6
0 refers to the fund transfer request file 63 and returns data indicating the total transaction amount to be transferred this time to the buyer banking system 50 (procedure (12)).

In the following step 12, it is judged whether or not the account balance of the buyer's country side escrow account is equal to or more than the money transfer amount. If the balance is more than the transfer amount,
Proceeding to step 13, a money transfer process (SWIFT) equivalent to the money transfer amount is performed from the buyer's country escrow account to the seller's country escrow account (procedure (13)). In other words, overseas remittance to the seller country is not individually performed for each transaction item, but is collectively performed by collecting the transaction amounts of a plurality of transaction items. Therefore, the overseas remittance fee borne by each buyer, that is, the amount of the overseas remittance fee generated this time divided by the total number of transactions, is significantly lower than the individual overseas remittance for each transaction.

On the other hand, if it is determined in step 12 that the balance is insufficient, the process proceeds to step 14 and appropriate balance shortage processing including notification to the seller's banking system 60 is performed without performing the above-mentioned fund transfer.

When this transfer of funds is carried out, the computer 61 on the seller system 60 side changes the "fund transfer status" of the listed transaction items from "not yet" to "completed" as shown in FIG. To change. This change is, for example,
This may be done when the buyer's banking system 50 sends a notification that the transfer of funds is completed to the seller's banking system 60, and the seller's banking system 60 receives this notification. Further, the seller's banking system 60 may change the “cash transfer status” by inquiring of the buyer's banking system 50 as to whether or not the transfer of funds has been completed. Furthermore, the seller banking system 60 may automatically change the “fund transfer status” after a certain period of time without referring to the buyer banking system 50 (however,
(Except when a notification that the funds could not be transferred was received from the buyer's banking system 50 within that period).

Finally, the financial institution of the seller country distributes the funds collectively deposited in the escrow account of the seller country to each seller by referring to the transaction statement file 62, and pays the price of the product individually ( Step (14)). Specifically, the computer 61 of the seller's banking system 60 refers to the fund transfer request file 63 to identify each transaction item that is the target of the batch fund transfer, that is, each loan account number.
Next, the computer 61 specifies the transaction amount and the seller information associated with the loan account number based on the specified loan account number. The transaction amount identifies the amount to be paid to the seller, and the seller information identifies the seller (also identifies the seller account to which the transaction amount should be deposited).

Then, when the payment to the seller is completed, the computer 61, in regard to the transaction item of the loan account number for which the payment is completed, the "transaction status" in the transaction statement file 62.
Is changed to "5 (transaction completed)". After performing such processing, a payment completion notification with a loan account number is transmitted to the intermediary system 40. The intermediary system 40, which has received this, accesses the transaction statement file 42, and “transaction status” regarding the transaction item of the received loan account number.
Is changed to "5 (transaction completed)". This completes the series of processes in the commodity transaction.

Next, the flow of returns from the buyer to the seller will be briefly described. FIG. 9 is an explanatory diagram showing the flow of returned goods. Return of goods occurs when the product received from the logistics company is different from the product applied to the market operator, or when the product is damaged. Note that this return scheme is premised on the buyer paying various expenses such as logistics expenses.

First, a buyer who wishes to return a product operates his or her own computer 30 to send a return request with a loan account number to the intermediary system 40 (procedure).
(1)). The intermediary system 40, which has received this request, sends a return notice with a loan account number to the distributor system 70 (procedure (2)). In response to this, the distributor collects the returned goods from the buyer (procedure (3)). Then, the distributor system 70
Send the instruction to pay the re-export cost required for delivery to the seller with the loan account number (procedure (4)). Upon receiving this, the intermediary system 40 instructs the buyer's banking system 50 to pay the re-export cost via the seller's banking system 60 (with loan account number) (procedures (5), (6)). . At the same time, the intermediary notifies the logistics company of data such as re-export customs clearance documents.

Buyer's banking system 5 that received this payment instruction
0 (refund processing unit 58 in FIG. 4) withdraws a re-export cost equivalent from the escrow account on the buyer country side (this cost will be borne by the buyer). Then, the buyer's bank pays the re-export cost to the logistics company (procedure). The distribution company delivers the returned goods to the seller on condition that the re-export cost has been received and the re-export customs documents and the like have been obtained (procedure (8)).

The seller who receives the returned goods operates his / her own seller computer 10 to send a returned goods receipt notice with a loan account number to the intermediary system 40 (procedure).
(9)). The intermediary system 40, which has received this, transmits a return completion notice with a lending account number to the seller system 60 (procedure (10)). Upon receipt of this notification, the buyer banking system 50 withdraws the refund amount from the buyer's country side escrow account and refunds it to the buyer (procedure (11), (1
2)). This refund amount is equivalent to the amount paid by the buyer, minus the amount of expenses incurred. This cost includes at least one of the cost required for round-trip logistics between the seller and the buyer and the cost required for the cash flow such as the cancellation fee of the financial institution.

As described above, according to the present embodiment, the cash flow cost is reduced, so that the convenience of the transaction party who bears the cost can be improved. FIG. 10 is an explanatory diagram of fund transfer between accounts realized by the system described above.
The financial institution of the buyer's country lends to the intermediary the number of loan accounts dedicated to deposit that the intermediary desires. The intermediary assigns one lending account for each transaction (one transaction unit) and notifies the buyer of the assigned lending account number together with the amount to be deposited. When the buyer deposits money into the designated loan account,
The funds are immediately transferred to the buyer's country escrow account,
According to the transaction history of the buyer's country side escrow account, the loan account number from which the deposit was made is stored. As described above, the payments from the buyers A to E regarding the separate transactions are collected in the buyer's country side escrow account, and the account numbers of the lending accounts 1 to 5 associated with the buyers A to E are managed by the transaction history. . Then, the funds equivalent to the sum of the transaction amounts deposited by the respective buyers A to E are collectively withdrawn from the escrow account of the buyer's country, and are collectively deposited into the escrow account of the seller's country through the foreign remittance procedure. To be done. That is, the billed amounts for the five transaction items are moved together to the overseas account. In other words, for remittances that are part of the money flow process, the individual transactions are merged and performed in a single procedure. Then, the financial institution of the seller country identifies the sellers a to e of the transaction item whose foreign remittance has been completed from the loan account number,
The product price is individually paid to each of the sellers a to e. In this way, the billing amounts of a plurality of transaction items are grouped together and collectively remitted overseas, thereby making it possible to reduce the remittance fee that each transaction party bears, as compared to the case of remittance overseas in single transaction units. .

Further, in the present embodiment, the individual entities (seller, buyer, intermediary, seller country financial institution, buyer country financial institution, etc.) configuring the commodity trading system are numbered for each transaction. Identify and manage transaction items based on loan account number. That is, all the entities involved in the merchandise transaction uniformly carry out information transmission and management with the loan account number as a key. As a result, the processing efficiency of the entire merchandise trading system is improved, so that trading can be speeded up.

In the above embodiment, the case where the intermediary system 40 and the vendor system 60 have the same transaction statement files 42 and 62 has been described. However, the present invention is not limited to this, and, for example, the buyer line system 50 may also have a similar transaction statement file. However, in this case, the amount of information transmission increases because it is necessary to ensure the identity of the file contents. Further, for example, only the intermediary system 40 may have the transaction statement file 42. In this case, the buyer's banking system 50 and the seller's banking system 60 refer to the intermediary system 40, which is an external system connected to the network, for the transaction content, if necessary.

Further, in the above-described embodiment, the buyer's banking system 50 does not directly transmit / receive data to / from the intermediary system 40, but transmits / receives the data via the vendor's banking system 60. However, the buyer's banking system 50 may, if necessary,
It goes without saying that data may be directly transmitted / received to / from.

In the above embodiment, the intermediary is
It is a separate entity from the financial institution of the seller and the financial institution of the buyer. However, either the financial institution of the seller or the financial institution of the buyer may play the role of an intermediary.

Further, in the above-described embodiment, the loan account number is used as the cancellation information (confirmation key) capable of specifying the correspondence between the deposited fund and the transaction item. However, the present invention is not limited to this, and the EDI code may be used as the erase key. By adding this erase key to the EDI information already adopted by JBA, the buyer side notifies the seller side of the erase key. At present, there is an EDI code council for each business type such as the electrical equipment industry and the distribution industry, and each council determines the content of the EDI code that is the erase key. Therefore, the JBA does not go into the contents of the EDI code, but allows the part corresponding to the EDI code to be additionally input in a field called "EDI information". The EDI code includes a “recipient identification code”, that is, a code unique to the recipient (typically a company) numbered by the Japan Information Processing Development Association (for example, the first 6 digits),
The remaining digits allow the payee's bill to be individually identified.

When the EDI code is used as the clearing information, the transfer requester (buyer) specifies the buyer's country side escrow account as the deposit destination, and the EDI information as additional information.
Enter the code. Then, in the processing on the financial institution side, the erase key is added to the field "EDI information", and the EDI information is transmitted by being carried on the transfer electronic text. In addition,
From the viewpoint of reducing the input burden on the transfer requester (buyer) side, it is preferable to use the loan account number as the erase information rather than the EDI code.

Further, a recording medium in which a computer program for realizing the functions of the above-described embodiment is recorded is shown in FIG.
A computer 51 or a seller country side financial institution system 6 forming a part of the buyer country side financial institution system 50 shown in FIG.
It may be supplied to the computer 61 forming a part of 0. In this case, in the computers 51 and 61,
The object of the present invention can be achieved by reading and executing a computer program stored in a recording medium. Therefore, since the computer program itself read from the recording medium realizes the novel function of the present invention, the recording medium recording the program constitutes the present invention. Examples of the recording medium recording the computer program include a CD-ROM, a flexible disk, a hard disk, a memory card, an optical disk, and a DV.
Examples thereof include D-ROM and DVD-RAM. Further, the computer program itself that realizes the functions of the above-described embodiments also has new functions.

[0079]

As described above, according to the present invention, in the network transaction over a plurality of countries, the billed amounts relating to a plurality of transaction items are summed together and the summed amount is remitted overseas. As a result, the foreign remittance fee charged to each trading party is reduced, and the cost burden on the trading party can be reduced. In addition, each entity that constitutes the network transaction system uniformly uses the loan account number, which is one form of application information, as a key for identifying and managing transaction items. Since the processing efficiency can be improved, it is possible to speed up the transaction.

[Brief description of drawings]

FIG. 1 is a block diagram of a commodity trading system using a network.

[Figure 2] Explanatory diagram of transaction details file

[Figure 3] Illustration of member file

[Figure 4] Block diagram of buyer country financial institution system

FIG. 5 is a flowchart of a transfer processing routine.

[Figure 6] Explanatory diagram of the fund transfer request list

FIG. 7: Flowchart of overseas money transfer processing routine

[Figure 8] Explanatory diagram of the fund transfer request list

[Figure 9] Explanatory diagram showing the flow of returned goods

FIG. 10 is an explanatory diagram of fund transfer between accounts.

[Explanation of symbols]

10 Seller Computer 20 Market operator system 30 Buyer Computer 40 Intermediary system 41 Computer 42 Transaction details file 43 Member File 50 Buyer country side financial institution system (buyer banking system) 51 computer 52 communication device 53 Loan account table 54 Account Ledger File 55 Control unit 56 Transfer Processing Department 57 Overseas Fund Transfer Processing Department 58 Refund Processing Department 60 Seller Country side financial institution system (seller banking system) 61 Computer 62 Transaction details file 63 Fund transfer request file 70 logistics system

Claims (24)

[Claims] [Claim 1] Regarding network transactions spanning multiple countries, the financial institution of the buyer country of the country to which the buyer of the product belongs and the financial institution of the country of the seller to which the seller of the product belongs manage the cash flow. In the escrow service, in the method of transferring funds between accounts executed by the buyer's country-side financial institution system, the computer converts the funds deposited by the buyer of each transaction into the deposited funds and the transaction. The first step of processing to collect in the escrow account of the buyer's country opened in the financial institution of the buyer's country with the cancellation information that can identify the correspondence, and the computer completes the inspection by the buyer The second step of identifying the total billed amount of a plurality of transaction items that are in a situation where the price of the product should be paid, and the computer provides a fund equivalent to the total billed amount.
And a third step of performing an overseas fund transfer process in which the buyer's country side escrow account is collectively transferred to the seller's country side financial institution's seller country side escrow account. 2. The application information is a loan account number of a loan account assigned to each transaction and notified to each buyer. In the first step, the computer assigns the loan account to a specific loan account. When there is a payment from the buyer, the buyer country side escrow account associated with the loan account is specified, and the process of collecting the funds from the loan account to the buyer country side escrow account is performed. The money transfer processing method according to claim 1. 3. The computer according to the first step,
A step of directly or indirectly transmitting a payment notice indicating that the customer has made a payment to the intermediary system that mediates between the seller and the buyer and manages the transaction item, with the cancellation information. The money transfer processing method according to claim 1 or 2, further comprising: 4. The second step is to manage a transaction case in which the inspection by the buyer is completed and the seller should pay the price of the goods, and the seller country side for calculating the total amount charged for the transaction case. The money transfer processing method according to any one of claims 1 to 3, further comprising a step of causing a computer to inquire of the financial institution system about the total amount charged. 5. The third step includes a step of comparing the account balance of the buyer's country side escrow account with the total billed amount, and the overseas money transfer process includes the account balance of the buyer's country side escrow account. The method according to any one of claims 1 to 4, characterized in that the method is executed when the amount is equal to or more than the total billed amount. 6. When returning the product delivered to the buyer, the computer pays at least one of the cost required for the round trip logistics between the seller and the buyer or the cost required for the money flow, from the deposit amount of the buyer. 6. The money transfer processing method according to claim 1, further comprising a fourth step of calculating the amount equivalent to the subtracted amount as a refund amount to the buyer. 7. The buyer country side escrow account is a deposit account in the name of the buyer country financial institution, and the seller country escrow account is a deposit account in the name of the seller country financial institution. Item 7. The money transfer processing method described in any one of items 1 to 6. [Claim 8] Regarding network transactions spanning multiple countries, the financial institution of the buyer country of the country to which the buyer of the product belongs and the financial institution of the country of the seller to which the seller of the product belongs manage the cash flow. In the escrow service, in the method of transferring funds between accounts, which is executed by the financial institution system of the selling country, the computer transfers from the escrow account of the purchasing country side of the financial institution of the buyer country to the selling country side of the financial institution of the selling country. The first step of managing a plurality of transaction items to be transferred to an escrow account, and the amount of money corresponding to the total billed amount of the plurality of transaction items is
When the buyer country escrow account is collectively transferred to the seller country escrow account, the computer performs the second step of identifying each transaction item that is the target of the fund transfer, and the computer executes the transaction. A third step of distributing and paying the total billed amount to the seller corresponding to each item. 9. In the first step, the computer manages the transaction by means of application information that can identify the correspondence between the funds deposited by the buyer and the transaction, and in the second step, the computer Is specified by the application information, and the third step includes a step in which the computer specifies the amount charged for each of the transaction items by the application information. 8. The money transfer processing method described in 8. 10. The money transfer processing method according to claim 9, wherein the application information is a loan account number of a loan account assigned to each transaction and notified to each buyer. 11. Regarding network transactions across a plurality of countries, the financial institution of the buyer country of the country to which the buyer of the product belongs and the financial institution of the country of the seller to which the seller of the product belongs manage the cash flow. An escrow service, in a computer program that causes a computer constituting the buyer's country-side financial institution system to execute a process of transferring funds between accounts, the computer receives the funds deposited by the buyer of each transaction. The first step of processing to collect in the buyer's country's escrow account established in the buyer's country's financial institution with the cancellation information that can identify the correspondence between the fund and the transaction item, and A second step of identifying the total invoice amount for multiple transactions completed and in condition to pay the seller for the item; There, the funds corresponding to the total invoice amount,
And a third step of performing an overseas fund transfer process for collectively moving from the buyer's country side escrow account to the seller's country side financial institution's seller country side escrow account. A computer program that lets you. 12. The loan information is a loan account number of a loan account assigned to each transaction and notified to each buyer. In the first step, the computer assigns the loan account to a specific loan account. When there is a payment from the buyer, the buyer country side escrow account associated with the loan account is specified, and the process of collecting the funds from the loan account to the buyer country side escrow account is performed. The computer program according to claim 11. 13. With regard to network transactions across multiple countries, the financial institution of the buyer country of the country to which the buyer of the product belongs and the financial institution of the country of the seller to which the seller of the product belongs manage the cash flow. In an escrow service, a computer program that causes a computer constituting a seller-country-side financial institution system to execute a method of transferring funds between accounts, in which the computer transfers the escrow account from the buyer-country-side financial institution to the seller-country-side The first step of managing a plurality of transaction items to be transferred to an escrow account on the selling country side of a financial institution, and a fund equivalent to the total billed amount of the plurality of transaction items,
When the buyer country escrow account is collectively transferred to the seller country escrow account, the computer performs the second step of identifying each transaction item that is the target of the fund transfer, and the computer executes the transaction. And a third step of distributing and paying the total billed amount to the seller corresponding to each item, the computer program for causing a computer to execute the money transfer processing method. 14. Regarding network transactions spanning multiple countries, the financial institution of the buyer country of the country to which the buyer of the product belongs and the financial institution of the country of the seller to which the seller of the product belongs manage the cash flow. In the buyer's country-side financial institution system in the escrow service, the loan account and the buyer's country side escrow account are described in association with each other, and the loan account is a deposit-only account allocated for each transaction, and the buyer The country escrow account corresponds to the loan account table that is an account opened at the buyer's country financial institution and the loan account table by referring to the loan account table when the loan account is credited by the buyer. A transfer processing unit that identifies the attached escrow account of the buyer's country and collects funds from the loan account to the escrow account of the buyer's country; After the inspection is completed, the total billed amount of a plurality of transaction projects in which the seller is to pay the price of the product is specified, and the fund equivalent to the total billed amount is transferred from the buyer's escrow account to the seller's financial side. A buyer's country-side financial institution system comprising an overseas fund transfer processing unit for transferring funds collectively to an escrow account on the seller's country side. 15. The transfer processing unit mediates between a seller and a buyer and manages a transaction item with respect to an intermediary system.
15. The buyer's country side financial institution system according to claim 14, wherein a payment notification indicating that the customer has received payment is directly or indirectly transmitted with the loan account number. 16. The overseas money transfer processing unit manages a transaction case in which the buyer has completed the inspection and is in a situation where the seller should pay the price of the product, and also calculates the total billed amount of the transaction case. Side financial institution system,
2. The inquiry about the total billed amount according to claim 1,
Buyer country side financial institution system described in 4 or 15. 17. The overseas money transfer processing unit compares the account balance of the escrow account on the buyer country side with the total billed amount, and when the account balance of the escrow account on the buyer country side is equal to or more than the total billed amount. 17. The buyer's country side financial institution system according to claim 14, wherein the collective transfer of funds is performed. 18. When returning the product delivered to the buyer,
It further has a refund processing unit that calculates the amount equivalent to the amount obtained by subtracting at least one of the cost required for round-trip logistics between the seller and the buyer or the cost required for cash flow from the deposit amount of the buyer as the refund amount to the buyer 14. The method according to claim 14, wherein
Buyer country side financial institution system described in any of 7. 19. The escrow account on the buyer's country side is a deposit account in the name of a financial institution of the buyer's country, and the escrow account on the seller's side is a deposit account in the name of a financial institution of the seller's country. The buyer's country-side financial institution system described in any one of Items 14 to 18. [Claim 20] Regarding network transactions spanning multiple countries, the financial institution of the buyer country of the country to which the buyer of the product belongs and the financial institution of the seller country of the country to which the seller of the product belongs manage the money flow. Fund transfer request file that manages multiple transaction items that should transfer funds from the buyer country escrow account of the buyer country financial institution to the seller country escrow account of the seller country financial institution in the seller country financial institution system in the escrow service And a computer for updating the fund transfer request file, wherein the computer has a fund equivalent to the total billed amount of the plurality of transaction items,
When the buyer country escrow account is collectively transferred to the seller country escrow account, the transaction request file is referred to to identify each transaction item targeted for the fund transfer, and the transaction is performed. A seller-country side financial institution system, which executes a process of distributing and paying the total billed amount to the seller corresponding to each item. 21. The money transfer request file manages a transaction case by use of application information capable of specifying a correspondence between a fund deposited by a buyer and a transaction case, and the computer uses the application information to generate a fund. 21. The seller country side according to claim 20, characterized in that each transaction item that has been moved is specified, and the amount of money to be paid to the seller of each transaction item is specified by the application information. Financial institution system. 22. The seller's country-side financial institution according to claim 21, wherein the application information is a loan account number of a loan account assigned to each transaction and notified to each buyer. system. 23. Regarding network transactions, in an intermediary system in an escrow service in which an intermediary who manages transaction items by intermediating between a seller and a buyer and a financial institution are linked, each transaction item is individually assigned. Based on the application information
A computer capable of transmitting information via a network between a transaction detail file that manages the transaction content and transaction status of each transaction, a seller computer, a buyer computer, and an external system including a financial institution system. And when the transaction of the product is completed, the computer transmits a payment instruction to the buyer computer with the cancellation information and a transaction content notification to the financial institution system with the cancellation information. When the receipt notification with the cancellation information is received from the financial institution system indicating that the loan account designated by the cancellation information has been paid by the buyer, the transaction statement file is accessed and the receipt is received. Update the transaction status of the transaction item corresponding to the cancellation information and deliver it to the seller computer When an instruction is transmitted with the received cancellation information, and an acceptance notification with cancellation information is received from the buyer computer, the transaction statement file is accessed,
An intermediary system which updates the transaction status of a transaction item corresponding to the received cancellation information and transmits a payment instruction to the financial institution system with the received cancellation information. 24. The intermediary system according to claim 23, wherein the application information is a loan account number of a loan account assigned to each transaction and notified to each buyer.