JP2004078937A - Electronic commerce system, server system, terminal for maker, terminal for wholesaler, electronic commerce method, and electronic commerce program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To reduce a burden for credit investigation for a wholesaler in a maker side, and to reduce a damage in business failure of the wholesaler or the like, by setting a system by which a maker and the wholesaler are registered as members, and by intermediating transaction between the maker and the wholesaler by an intermediate company managing the system to guarantee payment to the maker. <P>SOLUTION: A server system for an intermediate company for retrieving merchandize information fit to purchase condition information from a merchandize information database, and for supplying a retrieved result therein to a terminal for the wholesaler, and a server system for a paying agent for checking the propriety of payment from the wholesaler with respect to a trade receivable sold from the intermediate company to the paying agent to treat the payment are provided in electronic commerce using a plurality of maker terminals of the membership system, the server system for the intermediate company connected to the terminal for the wholesaler via a network, and the server system for the paying agent. <P>COPYRIGHT: (C)2004,JPO

Description

The present invention relates to electronic commerce (electronic commerce), a sales system and a sales method of an e-marketplace (virtual market) for a business-to-business (B @ to @ B, business to business, B2B), and a sales method. About the program. In particular, by intermediating the ordering / delivery and transaction settlement between manufacturers and wholesalers of consumables such as foods, daily necessities, and miscellaneous goods by an intermediary and a payment agency intervening between the manufacturer and the wholesalers, The present invention relates to a sales system, a sales method, and a program for promoting business between a manufacturer and a wholesaler in the industry by reducing business related to credit, paying interest on a collection site, and reducing the risk of business failure of a wholesaler.

(4) Conventionally, transaction settlement between a manufacturer and a wholesaler was performed between the manufacturer and the wholesaler without an intermediary broker or payment agent. In this form of transaction, a manufacturer conducts a credit check with a wholesaler, sets a credit limit according to the degree of credit, and conducts the transaction within the limit.

Further, the invention described in Patent Document 1 describes an electronic commerce system, a server system, a terminal for a seller, a terminal for a purchaser, an electronic commerce method, and the like, which can facilitate the procedure of electronic commerce. .

発 明 Further, the invention described in Patent Document 2 describes a method of operating a federated shopping mall, a retail shopping mall, and the like, which can enhance security and facilitate electronic commerce procedures.

発 明 Further, the invention described in Patent Literature 3 describes a settlement method having a common mechanism corresponding to various settlement methods for electronic settlement.

発 明 Furthermore, the invention described in Patent Document 4 describes a payment device having a simple configuration in which the functions of a terminal unit and a payment execution unit do not overlap when payment is realized via a communication network.

Further, the invention described in Patent Literature 5 provides a shopping mall system, a shopping mall server, an insurance server, which can insure e-commerce and enable a user to check information on insurance insured on a product. And how to trade with insurance.

JP 2001-243357 A (page 3, right column, lines 5 to 9) JP 2001-283026 A (page 4, left column, lines 31 to 37) JP-A-2000-331095 (page 3, left column, lines 36 to 39) JP-A-9-297792 (page 3, left column, lines 13-16) JP-A-2002-149986 (page 3, left column, lines 13 to 17)

However, with this conventional form of transaction, the manufacturer had to conduct a credit check with the wholesaler at the time of the first transaction and periodically, and had to review the credit limit according to the degree of credit.

In practice, it was difficult to properly set the credit level and credit limit of wholesalers, such as conducting a credit survey of wholesalers each time and reviewing the credit limit according to the credit level. . As a result, there have been problems in that, in practice, the transaction continues to be incurred in spite of the business crisis of the wholesaler, resulting in damage, and conversely, the credit limit limits the expansion of the transaction.

Further, in the invention described in Patent Document 1, product information of a plurality of product providers (for example, manufacturers) is registered in one server system, and a product purchaser (for example, a wholesaler) can obtain desired information from a large number of product information. Can be selected (see Patent Document 1, page 8, left column, lines 17 to 20), but the payment cannot be guaranteed to the product provider, and the credit to the product purchaser cannot be guaranteed. No response such as investigation has been made.

Further, in the invention described in Patent Document 2, personal information of a customer of an online shop, for example, personal information such as a destination of a product and a settlement method is managed by a retail server, and when ordering a product, ordering information and access information are stored. By transmitting the information to the mall server, the security is strengthened by reducing the chances of personal information traversing the network (see Patent Document 2, page 11, left column, lines 30 to 34), but the online shop side Cannot guarantee payment, and no credit check or other measures are taken against customers who purchase the product.

Further, according to the invention described in Patent Literature 3, a distribution server for transaction request information in a payment system capable of performing payment by a plurality of different methods, the identification server receiving identification information from a plurality of member terminals, and a member store server Receiving means for receiving the transaction request information from the client, determining means for determining the payment method of the transaction based on the identification information, and transmitting means for transmitting the transaction request information to the corresponding payment server for each payment method determined by the determining means (Refer to Patent Document 3, page 6, line 46 in the left column to line 2 in the right column), but the manufacturer and the wholesaler set an organization as a member, and a middleman who manages the organization sets the member organization. However, there is no way to mediate transactions between manufacturers and wholesalers and guarantee payments to manufacturers.

Further, in the invention described in Patent Document 4, the interactive function with the user is performed by a payment device including a terminal unit that accepts input from the user (in the case of the invention, a general user), a payment execution unit, and an auxiliary process. Although there is a device in which all payments are made using a terminal (see Patent Document 4, page 4, right column, lines 12 to 18), the payment device is intended for transactions with general users, and is a manufacturer and wholesaler. There is no way to set up an organization in which a wholesaler is a member and to administer transactions between the manufacturer and the wholesaler and guarantee the manufacturer's payment by an intermediary company that manages the organization.

Further, according to the invention described in Patent Literature 5, a general user is insured by insuring a product registered in a shopping mall server and by giving an identification mark to the insured product. (See Patent Document 5, page 7, right column, lines 8-12), but a manufacturer and a wholesaler set an organization of which members are members and manage that organization There is no action taken by brokers to mediate transactions between manufacturers and wholesalers and to guarantee payments to manufacturers.

Therefore, according to the present invention, with respect to the form of the transaction performed between the manufacturer and the wholesaler, the organization in which the manufacturer and the wholesaler are members is set, and the intermediary managing the organization sets up the transaction between the manufacturer and the wholesaler. Intervene, guarantee the payment to the manufacturer, reduce the burden of the credit check on the wholesaler of the manufacturer, reduce the damage in the event of the wholesaler's bankruptcy, and eliminate the restriction on business activities by the credit limit. It is an object of the present invention to provide a sales system, a sales method, and a program capable of smoothly promoting a transaction between a manufacturer and a wholesaler.

In order to achieve the above object, the following measures were taken in the electronic commerce system, server system, wholesaler terminal, manufacturer terminal, electronic commerce method and electronic commerce program of the present invention.

The present invention according to claim 1 is a server system for an intermediary company, which is connected to a plurality of maker terminals and wholesalers terminals of a membership system and the plurality of maker terminals and wholesalers terminals of a membership system via a network. And an electronic commerce system for performing business transactions between the terminal for the maker and the terminal for the wholesaler using the server system for the payment agent, comprising a registration unit for registering the product information on the product to be traded in the server system for the broker. A terminal for a maker, a terminal for a wholesaler having supply means for supplying purchase condition information on a desired product to the server system for an intermediary, and a product information database for storing product information supplied from the terminal for the maker A purchase condition information database for storing purchase condition information supplied from the wholesaler terminal; A search means for searching the product information database for product information that matches product information, and a supply means for supplying the search result to a wholesaler terminal; and a member according to the search result. Supply means to which a product purchase instruction is supplied from a wholesaler terminal, and supplies product information corresponding to the product purchase instruction to a member-only maker terminal of a purchase destination. Supply means, a merchandise purchase processing device comprising: a broker server system having: a payment information database storing payment from a wholesaler; and a trade receivable sold from the broker to a payment agent. A trade receivables information database to be stored, payment matching / non-conforming means for checking the matching between the payment and the purchased trade receivables, and a payment means for processing the payment to the manufacturer; A payment agent having: a payment processing device provided; a database for accounts payable information that stores accounts payable generated by the payment agent; and a accounts payable processor having purchase means for purchasing the accounts payable to an intermediary. E-commerce system comprising:

This is a feature of the present invention, in which a manufacturer and a wholesaler set up an organization to be a member with certain conditions, register the product information of the member maker in the server system for brokers, By registering the purchase information of the manufacturer in the server system for the broker, the broker managing the organization mediates the transaction between the manufacturer and the wholesaler, and guarantees the payment to the manufacturer. Reduce the burden of credit checks on wholesalers, reduce damages in the event of bankruptcy of wholesalers, and remove restrictions on business activities based on credit limits, facilitating smooth transactions between manufacturers and wholesalers. Is an electronic commerce system that further increases credit transactions between manufacturers and wholesalers. That is, since the intermediary has these credit management functions, it becomes an e-commerce system that further increases credit transactions between manufacturers and wholesalers.

Further, in the electronic commerce system of the present invention, the server system is separated into the server system for the broker and the server system for the payment agent, because the server system for the agent is specialized in credit management and ordering business, This is because the server system for the trader is specialized in the payment business. As a result, in the intermediary server system, the credit management of members can be made sufficient. In other words, the intermediary server system is a closed system that accepts transmissions only from maker terminals and wholesaler terminals that are members, and does not accept reception from others.

The present invention according to claim 2 is an electronic commerce that is connected to a plurality of member-based manufacturer terminals and wholesaler terminals via a network, and is performed between the plurality of member-based manufacturer terminals and wholesaler terminals. In the server system for the intermediary and the server system for the payment agent, which manages the merchandise, a database for merchandise information storing merchandise information relating to merchandise to be traded supplied from the terminal for the maker, Purchase condition information is supplied, and a purchase condition information database that stores the purchase condition information; a search unit that searches the product information database for product information that matches the purchase condition information; and Supply means for supplying the search result to the wholesaler terminal; and a search result processing apparatus comprising: A supply unit to which a product purchase instruction is supplied from a terminal, and a supply unit to supply the product purchase information to a purchaser's membership-based maker terminal with product information corresponding to the product purchase instruction. And a merchandise purchase processing device.

This means that when a wholesaler who is a member purchases a product from a manufacturer who is also a member, the product can be purchased by transmitting a product purchase instruction to the intermediary server system. That is, the intermediary server system can automatically transmit the product purchase instruction to the purchaser's maker in accordance with the product purchase instruction from the wholesaler.

That is, by registering the product information of a plurality of manufacturers as members in the server system for intermediaries, a wholesaler as a member can select a desired product from a large number of product information, and the width of electronic commerce is increased. Can be spread. In addition, manufacturers can receive orders from wholesalers who have not yet concluded business negotiations, and can expand the range of electronic commerce. In addition, the wholesaler can easily obtain product information that matches the purchase condition information automatically searched by the broker server system by supplying the purchase condition information on the desired product to the broker server system. Can be. Therefore, it is possible to facilitate the procedure of the electronic commerce of the wholesaler and the manufacturer. Further, the intermediary server system is a closed system because it is connected to the maker terminal and the wholesaler terminal, which are members, via a network.

According to a third aspect of the present invention, there is provided an electronic commerce which is connected to a plurality of member-based manufacturer terminals and wholesaler terminals via a network, and is performed between the plurality of member-based manufacturer terminals and wholesaler terminals. In the server system for the intermediary and the server system for the payment agent, the database for the payment information storing the payment from the wholesaler, and for the sales receivable information storing the sales receivable sold to the payment agent from the agent. A payment processing apparatus comprising: a database; a payment matching / non-conforming means for checking the matching between the payment and the purchased receivables; and a payment means for processing the payment to the manufacturer. An accounts payable information database that stores accounts payable, and an accounts payable processing device that includes a purchaser that purchases accounts payable to an intermediary; It is a payment agency for server systems with.

This means that when a wholesaler who is a member pays for goods from a plurality of manufacturers who are also members, the payment can be made by sending the payment to a payment agent server system. Then, the payment agent server system checks the matching between the payment from the wholesaler and the sales receivable, and thereafter can transmit the payment information to a plurality of manufacturers.

In addition, the payment agent server system is a server system specialized only for the payment associated with ordering and receiving, and can speed up the flow of ordering, delivering and paying for products, so that the cash of the manufacturer and the wholesaler can be obtained. Flow can be increased. Furthermore, since the generated accounts payable is to be purchased by an intermediary, management can be stabilized. On the other hand, an intermediary can avoid the risk of the purchased accounts payable through an insurance contract with an insurance company.

According to a fourth aspect of the present invention, there is provided a plurality of member-based maker terminals which are connected to a server system for an intermediary and a server system for a payment agent via a network and perform electronic commerce, A maker terminal comprising: a registration unit for registering product information on a product to be traded stored in a product information database; and a receiving unit for receiving payment information from the payment agent server system. is there.

The maker terminal of the membership system of the present invention can register the product information stored in the product information database of the intermediary server system from the maker side, and receive payment information from the payment agent server system. can do. Therefore, the electronic commerce system of the present invention can be realized. Furthermore, since it is a member-based manufacturer and wholesaler, the manufacturer does not need to manage the credit of the wholesaler, and does not need a credit check such as a credit check.

The present invention according to claim 5, wherein a plurality of members-only wholesaler terminals that are connected to a server system for a broker and a server system for a payment agent via a network and perform electronic commerce are provided. Supply means for supplying purchase condition information on a desired product stored in the purchase condition information database, and supply means for supplying payment information from a wholesaler to the payment agent server system. It is a terminal for wholesalers, which is a feature.

The member-only wholesaler terminal of the present invention can supply purchase condition information on a desired product to the intermediary server system of the present invention. Payment information from can be provided. Therefore, the electronic commerce system of the present invention can be realized. Further, since the maker and the wholesaler are members-only manufacturers, the maker and the wholesaler do not need to mutually perform credit management, and do not need a credit check such as a credit check.

The present invention according to claim 6, wherein a plurality of membership-based maker terminals and wholesaler terminals, and a plurality of member-based maker terminals and wholesaler terminals connected via a network to a broker system server system In the electronic commerce method of performing a commercial transaction between the terminal for a maker and the terminal for a wholesaler using a server system for a payment agent, the maker as a member operates the maker terminal to obtain product information on a product to be traded. A product information transmitting step of supplying from the maker terminal to the intermediary server system, the intermediary operates a terminal provided in the intermediary server system to output the merchandise information supplied from the maker terminal. The merchandise information storage stage to be registered in the merchandise information database of the intermediary server system, and the wholesaler, which is a member, A purchase condition information transmitting step of operating the end and supplying purchase condition information relating to a desired product from the wholesaler terminal to the broker system server system; and the broker comprises the broker system server system. A search result transmitting step of operating the terminal to search for the product information matching the purchase condition information from the product information database and supplying the search result to the wholesaler terminal; and A purchase order transmitting step of operating a wholesaler terminal to transmit an order for a product matching the search result as an order form from the wholesaler terminal to the intermediary server system, and the maker operates the maker terminal A delivery note sending step of sending a notification of delivery of the ordered product as a delivery note from the maker terminal to the intermediary server system; A payment adaptation / non-conformance step of operating a terminal provided in the trader server system to check whether the payment from the wholesaler and the receivables from the intermediary agent are compatible in the payment agent server system, Operates a terminal provided in the payment agent server system to operate the terminal in the payment adaptation / non-conformity stage, and to the payment processing stage in which payment is made to the maker by the payment agent agent server system if the payment conforms, or If the server does not conform, the payment agent server system purchases the accounts payable to the intermediary agent, and the payment agent processing step comprises: a terminal for the manufacturer, a terminal for the wholesaler, a terminal provided in the server system for the agent, and a payment agent. This is an electronic commerce method that executes each processing step by operating a terminal provided in a server system for a trader.

The present invention according to claim 7 is a server system for an intermediary company that is connected to a plurality of maker terminals and wholesalers terminals of a membership system and the plurality of maker terminals and wholesalers terminals of a membership system via a network. In the electronic commerce method of performing a commercial transaction between the terminal for the maker and the terminal for the wholesaler using the server system for the payment agent, the transmitting means provided in the terminal for the maker transmits the commodity information on the commodity to be transacted from the terminal for the maker. Transmitting the product information to be supplied to the broker server system, and storing the product information supplied from the maker terminal in the product information database of the broker server system by a storage unit provided in the broker server system An information storage step, wherein the transmitting means provided in the wholesaler terminal transmits the purchase condition information on a desired product to the wholesaler. Transmitting the purchase condition information to be supplied from the terminal to the intermediary server system, and searching and transmitting means provided in the intermediary server system for searching the merchandise information database for merchandise information matching the purchase condition information. A search result transmitting step of supplying the search result to the wholesaler terminal; and a transmitting means provided in the wholesaler terminal, the orderer ordering a product conforming to the search result as an order form from the wholesaler terminal to the broker. Sending a purchase order to the server system for delivery, and sending a delivery statement in which the sending means of the maker terminal sends a notification of delivery of the ordered product from the maker terminal to the server system for intermediary as a delivery note And the payment adaptation / non-conformity means provided in the payment agent server system is adapted to the payment from the wholesaler and the receivables from the intermediary. A payment conforming / non-conforming stage to be checked by the payment agent server system; and a payment processing means provided in the payment agent server system in the payment conforming / non-conforming stage. To the payment processing stage for payment to the maker, or to the payment agent server system for the payment agent server if the payment agent processing means provided in the payment agent server system does not conform to the payment, the purchase agent payable to the intermediary in the payment agent server system. The terminal provided for the manufacturer, the terminal for the wholesaler, the terminal provided for the server system for the broker, and the means provided for the terminal provided for the server system for the payment agent are the electronic commerce methods for executing each processing step. .

According to the inventions of claims 6 and 7, according to the invention, since the merchandise information of a plurality of maker members is registered in one intermediary server system, a member wholesaler can obtain desired merchandise from a large number of merchandise information. Can be selected, and the range of electronic commerce can be expanded. In addition, manufacturers can receive orders from wholesalers who have not yet concluded business negotiations, and can expand the range of electronic commerce. In addition, the wholesaler can easily obtain product information that matches the purchase condition information automatically searched by the broker server system by supplying the purchase condition information on the desired product to the broker server system. Can be. In addition, the payment agent server system receives payment from the wholesaler and pays to the maker, so that payment to the maker can be made quickly. This is because the maker and the wholesaler are members only, so that transactions between the maker and the wholesaler can be performed smoothly, and the credit management of the maker and the wholesaler is unnecessary. In addition, it has become possible to facilitate the procedures of e-commerce between wholesalers and manufacturers.

The present invention according to claim 8, wherein a computer is connected to a plurality of membership-based manufacturer terminals and wholesaler terminals and the plurality of membership-based manufacturer terminals and wholesaler terminals via a network. In the e-commerce system for performing business transactions between the terminal for the maker and the terminal for the wholesaler using the server system for payment and the server system for the payment agent, the manufacturer as a member operates the terminal for the maker to operate the product to be traded. A merchandise information transmitting means for supplying merchandise information related to the intermediary server system from the manufacturer terminal to the intermediary server system, and the intermediary is supplied from the manufacturer terminal by operating a terminal provided in the intermediary server system. Product information storage means for registering product information in the product information database of the broker server system; A purchase condition information transmitting unit that operates the wholesaler terminal to supply purchase condition information on a desired product from the wholesaler terminal to the intermediary server system; and the intermediary, Search result transmitting means for operating a terminal provided in the intermediary server system to search for product information matching the purchase condition information from the product information database, and supplying the search result to the wholesaler terminal; The wholesaler operates the wholesaler's terminal to transmit an order for a product matching the search result from the wholesaler's terminal to the intermediary server system as an order form; A delivery note transmitting means for operating the maker terminal to transmit a notification of delivering the ordered product as a delivery note from the maker terminal to the intermediary server system, The agent operates a terminal provided in the payment agent server system to check whether the payment from the wholesaler and the receivable from the intermediary agent are compatible with the payment agent server system. The means and the payment agent operate a terminal provided in the payment agent server system to operate the terminal in the payment adaptation / non-conformity means, and if the payment is appropriate, pay the manufacturer to the payment agent server system in the payment agent server system. To the payment processing means, or to the intermediary in the payment agent's server system if the payment is inconsistent, and to the intermediary, and to the terminal for the manufacturer, the terminal for the wholesaler, and the server system for the intermediary. An electronic commerce system that executes the respective processing means by operating the terminal provided with and the terminal provided in the payment agent server system. It is a program to work.

The present invention according to claim 9, wherein a computer is connected to a plurality of membership-based maker terminals and wholesaler terminals and the plurality of membership-based maker terminals and wholesaler terminals via a network. In an electronic commerce system for performing business transactions between the terminal for the maker and the terminal for the wholesaler using the server system for payment and the server system for the payment agent, in the electronic commerce system, the transmitting means of the terminal for the maker transmits the product information on the product to be traded to the manufacturer Product information transmitting means for supplying from the terminal to the intermediary server system, and storage means provided in the intermediary server system stores merchandise information supplied from the maker terminal into the merchandise information database of the intermediary server system. The merchandise information storage means to be registered and the transmitting means provided in the wholesaler terminal make purchases for desired merchandise. A purchase condition information transmitting unit that supplies condition information from the wholesaler terminal to the broker server system, and a search transmitting unit included in the broker server system transmits product information that matches the purchase condition information. A search result transmitting unit that searches from the product information database and supplies the search result to the wholesaler terminal, and a transmitting unit included in the wholesaler terminal transmits an order for a product that matches the search result as a purchase order. From the terminal for the maker to the server system for the intermediary, the order transmitting means for transmitting from the terminal for the wholesaler to the server system for the intermediary, and the transmitting means provided for the terminal for the maker as a delivery note for sending the ordered product. The delivery note transmitting means to be transmitted and the payment conforming / non-conforming means provided in the payment agent server system include the payment from the wholesaler and the broker. Payment conforming / non-conforming means for checking the conformity with the sales receivables in the payment agent server system, and if the payment processing means provided in the payment agent server system is the payment conforming / non-conforming means, To the payment processing means that pays to the manufacturer in the payment agent server system, or to the payment agent server system provided by the payment agent server if the payment obligation processing means provided by the payment agent server is incompatible, the payment agent server system mediates the accounts payable. Accounts payable processing means to be purchased by the trader, comprising: a terminal for the manufacturer, a terminal for the wholesaler, a terminal provided for the server system for the broker, and a means provided for the terminal provided for the server system for the payment agent, each processing means This is a program for functioning as an e-commerce system that executes.

The inventions of claims 8 and 9 can realize the inventions of claims 1 to 6 by using this program. This program can be recorded on a recording medium such as a CD-ROM, a floppy (registered trademark) disk, and a magneto-optical disk. By using this recording medium, the inventions according to claims 1 to 6 can be realized.

According to the tenth aspect of the present invention, a plurality of member-based maker terminals and wholesaler terminals are connected to the plurality of membership-based maker terminals and wholesaler terminals via a closed membership network. In an e-commerce system for performing business transactions between the terminal for a maker and the terminal for a wholesaler using the server system for a broker and the server system for a payment agent, authentication of membership in the server system for a broker from the terminal for the manufacturer. User authentication means for requesting a product information, a product information registration request means for requesting registration of product information on a product to be traded from the manufacturer terminal to the intermediary server system, and a communication for delivering the ordered product as a delivery note. A manufacturer terminal having a delivery note transmitting means for transmitting from the manufacturer terminal to the intermediary server system, and a wholesaler A user authentication means for requesting authentication of membership from the terminal to the intermediary server system, and a purchase condition for requesting registration of purchase condition information on desired products from the wholesaler terminal to the intermediary server system. Checks the ID and password of a wholesaler terminal having information registration requesting means and a sending means for transmitting order data to the intermediary server system, and the user ID and password transmitted from the manufacturer terminal and the wholesaler terminal. Checking means, transmitting means for transmitting the check result to the maker terminal and wholesaler terminal by means of the user authentication result notifying means, error checking means for checking the product information transmitted from the maker terminal, and its error check If there is an error, the sender sends error information to the manufacturer terminal. When there is no error by the error checking means, the storage means for storing the product information transmitted to the intermediary server system in the product information database by the storage means, and the product information registration registration notification to the maker terminal Means for notifying by means, error checking means for checking the purchase condition information transmitted from the wholesaler terminal, and, when there is an error, the error information is transmitted to the wholesaler terminal by the error checking means. A transmission unit that performs a search, when there is no error, a search unit that searches for a product that satisfies the condition, and a search result notification unit that notifies the wholesaler terminal of the search result when there is no error. , A purchase information transmitting means for transmitting from the intermediary server system to the terminal of the purchaser manufacturer. Server system, transaction conformity / nonconformity means for checking the conformity between the payment from the wholesaler and the receivables from the intermediary, and the transaction conformance / inconformity means. Payment processing means for paying to the intermediary agent, and a payment agent processing means for purchasing the accounts payable to the intermediary in the payment agent server system if the transaction is inconsistent. It is an electronic commerce system.

This is an electronic commerce system in which a maker terminal, a wholesaler terminal, an intermediary server system, and a payment agent server system are connected via a closed network with a membership system. The same effect as that of the first aspect is obtained.

The present invention according to claim 11 is connected to a plurality of membership-based maker terminals and wholesaler terminals and the plurality of membership-based maker terminals and wholesaler terminals via a closed membership network. In the e-commerce method of performing business transactions between the terminal for a maker and the terminal for a wholesaler using the server system for an intermediary agent and the server system for a payment agent, a maker that is a member operates the maker terminal to A user authentication step of requesting authentication of membership to the intermediary server system from the client terminal, and the wholesaler who is a member operates the wholesaler terminal to send the intermediary server system from the wholesaler terminal. A user authentication step of requesting authentication of membership as a member, and the intermediary operates a terminal included in the intermediary server system to A user ID and a password transmitted from a terminal for wholesale and a terminal for a wholesaler, an ID / password check step, a user authentication result notification step of transmitting the check result to a terminal for a manufacturer and a terminal for a wholesaler, and the manufacturer, A product information registration requesting step of operating the maker terminal and requesting the maker terminal to register product information on a product to be traded from the maker terminal to the intermediary server system; and Operate the terminal in preparation for, and check the product information requested by the manufacturer's terminal to register the product information. In the error check stage of product information registration, if there is an error in the error check stage, send error information to the manufacturer's terminal The transmission stage, or if there is no error, send it to the intermediary server system. Product information storing step of storing the obtained product information in the product information database, and a product information registration notifying step of notifying the maker terminal of the product information registration, and the wholesaler operates the wholesaler terminal. A purchase condition information registration requesting step of requesting registration of purchase condition information on a desired product from the wholesaler terminal to the intermediary server system; and the intermediary is provided in the intermediary server system. By operating the terminal, an error check stage of the purchase condition information of the registration requested product information, and, in the error check stage, when there is an error, a transmission stage of transmitting the error information to the wholesaler terminal, or When there is no error, a search step of searching for the product corresponding to the condition in the intermediary server system, and a search result notification for notifying the search result to the wholesaler terminal. An informing step, wherein the wholesaler operates the wholesaler's terminal to transmit an order for a product conforming to the search result notification from the wholesaler's terminal to the intermediary server system as an order form. And the intermediary operates a terminal provided in the intermediary server system to transmit purchase information to a purchaser manufacturer terminal, and a purchase information transmitting step; Operating a terminal, a delivery note transmitting step of transmitting a notification for delivering the ordered product as a delivery note from the maker terminal to the intermediary server system, and the payment agent company comprises the payment agent server system Operating a terminal provided for the transaction, checking the conformity between the payment from the wholesaler and the receivables from the intermediary in the server system for the payment agent, and The agent operates a terminal provided in the payment agent server system, and in the transaction adaptation / non-conformity stage, to a payment processing stage in which payment is made to the maker by the payment agent agent server system in the case of transaction adaptation. Or, if the transaction is inconsistent, a payable debt processing step of purchasing the payables to the intermediary in the server system for the payment agent, and a terminal for the manufacturer, a terminal for the wholesaler, a terminal for the server system for the intermediary, And an electronic commerce method for executing each processing step by operating a terminal provided in a payment agent server system.

This is an electronic commerce method in which a maker's terminal, a wholesaler's terminal, an intermediary server system, and a payment agent server system are connected via a closed network with a membership system. The same effect as that of the invention described in claim 6 is obtained.

The present invention according to claim 12 provides a computer by connecting a plurality of membership-based maker terminals and wholesaler terminals to the plurality of membership-based maker terminals and wholesaler terminals via a closed network with membership. In an electronic commerce system for conducting business transactions between the terminal for the maker and the terminal for a wholesaler using the server system for the intermediary and the server system for the payment agent, which are connected, a maker that is a member operates the terminal for the maker. User authentication means for requesting authentication of membership as a member from the maker terminal to the broker server system, and the wholesaler who is a member operates the wholesaler terminal to send a request from the wholesaler terminal to the broker. User authentication means for requesting authentication of membership as a member to the server system for server, and an intermediary agent provided in the server system for intermediary agent. To check the ID and password of the user ID and password transmitted from the maker terminal and the wholesaler terminal, and a user authentication result notifying means for transmitting the check result to the maker terminal and the wholesaler terminal. The maker operates the maker terminal, a product information registration requesting means for requesting the maker terminal to register the product information on the product to be traded from the maker terminal to the intermediary server system, and the intermediary, An error check means for merchandise information registration that operates a terminal provided in the intermediary server system to check merchandise information requested to be registered from the maker terminal. Transmission means for transmitting information to the manufacturer's terminal, or, if there is no error, brokerage Product information storage means for storing the product information transmitted to the product server system in the product information database, and product information registration notifying means for notifying the maker terminal of the product information registration, and the wholesaler comprises the wholesaler A purchase condition information registration requesting means for requesting registration of purchase condition information relating to a desired product from the wholesaler terminal to the intermediary server system by operating a terminal for the intermediary; Operating a terminal provided in the server system, an error checking means for purchase condition information of the product information requested to be registered, and transmitting an error information to the wholesaler terminal when there is an error in the error checking stage Means, or, if there is no error, a search means for searching for a product that meets the conditions in the broker server system, and a search result for the wholesaler. Search result notifying means for notifying at the end, the wholesaler operates the wholesaler terminal, and from the wholesaler terminal to the intermediary server system from the wholesaler terminal as an order form to place an order for a product conforming to the search result notification. Purchase order transmitting means for transmitting, the broker operates a terminal provided in the server system for the broker, and purchase information transmitting means for transmitting purchase information to a terminal for the manufacturer of the purchaser; The maker operates the maker terminal, a delivery note transmitting means for transmitting a notification for delivering the ordered product as a delivery note from the maker terminal to the intermediary server system, and the payment agent, Operate the terminal provided in the payment agent server system to check whether the payment from the wholesaler and the receivables from the intermediary agent are matched by the payment agent server system. The adaptation means and the payment agent operate a terminal provided in the payment agent server system, and in the transaction adaptation / non-conformity stage, if the transaction is appropriate, payment is made to the manufacturer by the payment agent server system. Payment processing means, or a payment agent processing means for purchasing the accounts payable to the intermediary in the server system for the payment agent if the transaction is inconsistent, a terminal for the manufacturer, a terminal for the wholesaler, and a server for the intermediary. This is a program for operating a terminal provided in the system and a terminal provided in the payment agent server system so as to function as an electronic commerce system for executing each processing means.

By using this program, the invention of claims 10 to 11 can be realized. This program can be recorded on a recording medium such as a CD-ROM, a floppy (registered trademark) disk, and a magneto-optical disk. The invention of claims 10 to 11 can be realized by using this recording medium.

From the above description, the present invention has the following effects.

The e-commerce system according to the present invention provides a credit investigation and credit management between a manufacturer and a wholesaler by making a member who has passed a membership qualification with certain requirements after the credit investigation of the manufacturer and the wholesaler. By reducing intermediaries and other payments, and by using an intermediary and a payment agent between the manufacturer and the wholesaler, the cash flow can be made smoother.

Further, the electronic commerce system of the present invention separates the server system into an intermediary server system and a payment agent server system, specializes the intermediary server system for credit management and ordering, and provides a payment agent server Specialized system for payment business. As a result, in the intermediary server system, the credit management of members can be made sufficient. In other words, the intermediary server system is a closed system that accepts transmissions only from maker terminals and wholesaler terminals that are members, and does not accept reception from others.

Further, in the electronic commerce system of the present invention, since the merchandise information of a plurality of maker members is registered in the intermediary server system, a wholesaler who is a member can obtain desired information from merchandise information of a large number of maker members. Products can be selected. In addition, the payment for the goods is paid to a payment agent, but since the membership system is closed electronic commerce, there is no need for a credit check, and the management can be stabilized. In addition, the wholesaler can easily search for a suitable product from the broker server system by supplying purchase information on the desired product to the broker server system.

Hereinafter, embodiments of the present invention will be described with reference to the drawings.
FIG. 1 is an explanatory diagram of one embodiment of electronic commerce according to the present invention. FIG. 2 is a system configuration diagram of an embodiment of the electronic commerce system according to the present invention. FIG. 3 is a block diagram showing an embodiment of the intermediary server system and the payment agent server system according to the present invention. FIG. 4 shows the configuration of an embodiment of the database and the processing device of the intermediary server system according to the present invention. FIG. 5 shows the configuration of an embodiment of the database and the processing device of the payment agent server system according to the present invention. FIG. 6 is a flowchart of an embodiment of a product / fund in electronic commerce according to the present invention. FIG. 7 is a flowchart of another embodiment of goods, funds, and the like in electronic commerce according to the present invention. FIG. 8 is an explanatory diagram of one embodiment of a payment period. (A) is an explanatory diagram of a conventional payment period, and (B) is an explanatory diagram of a payment period when the electronic commerce system of the present invention is used.

FIG. 9 shows the configuration of an embodiment of a maker terminal. FIG. 10 shows the configuration of an embodiment of a wholesaler terminal. FIG. 11 is a flowchart of merchandise and funds in the electronic commerce system according to the third embodiment of the present invention. FIG. 12 is a flowchart of goods and funds in the e-commerce method according to the fourth embodiment of the present invention.

FIG. 13 is a flowchart of goods and funds in the electronic commerce system according to the fifth embodiment. FIG. 14 is a system configuration diagram of an e-commerce system according to the fifth embodiment. FIG. 15 embodies a configuration diagram of the electronic commerce system of FIG. FIG. 16 is a configuration diagram of the intermediary server system of the fifth embodiment. FIG. 17 is a configuration diagram of a payment agent server system of the fifth embodiment. FIG. 18 is a configuration diagram of one embodiment of the intermediary server system and the payment agent server system of the fifth embodiment. FIG. 19 shows an example of a merchandise registration process between the maker terminal and the intermediary server system according to the fifth embodiment. FIG. 20 shows a process between the wholesaler terminal and the broker server system of the fifth embodiment.

An embodiment according to the present invention will be described.
FIG. 1 illustrates an embodiment of electronic commerce according to the present invention. First, a manufacturer and a wholesaler negotiate a transaction by telephone negotiation, face-to-face negotiation, etc. before starting electronic commerce. Thereafter, the electronic commerce system of the present invention will be used. By the way, the present invention is a closed electronic commerce in which the feature is a membership of a maker and a wholesaler. In other words, by making a maker and a wholesaler who have passed the membership qualifications with certain requirements after making a credit survey as members, we aim to reduce the mutual credit survey and credit management etc. between the manufacturer and the wholesaler, Moreover, the cash flow can be made smoother through the intermediary agent and the payment agent between the manufacturer and the wholesaler, and the e-commerce system of the present invention is a system that can be realized only with this membership retention. . Then, the member, the wholesaler, orders the merchandise to the intermediary agent, and the intermediary agent instructs the manufacturer, the member, to deliver the ordered merchandise. Further, the intermediary company collects membership fees and account maintenance fees from the maker and the wholesaler who are members, and uses the collected funds as funds to perform the intermediary business between the maker and the wholesaler. The payment agent purchases the receivable from the intermediary, receives payment from the wholesaler, and pays the manufacturer.

Next, the broker and the payment agency of the present invention will be described. Brokers are often set up by companies that are considered industry leaders and representatives of manufacturers and wholesalers. When the business system of the intermediary company is established, the business can be outsourced and the efficiency of management can be improved. In addition, the payment agency is often set up by the entry of the leasing industry, trading companies and the like. By establishing an intermediary and a payment agent, manufacturers and wholesalers can reduce credit checks such as credit management, increase cash flow, and stabilize management.

Also, the payment agency takes a payment fee (hereinafter referred to as a receipt fee) when receiving payment from a wholesaler, and a payment fee (hereinafter referred to as a discount fee) when paying a maker. Pay at a discount. These commissions and discount fees serve as the operating funds of the payment agency. The commission paid by the wholesaler is an extra expense for the wholesaler, but it eliminates the need for a credit check for membership and eliminates the hassle of paying all manufacturers to the payment agent at once. Cost reduction. Further, since the credit transaction allows a smooth flow of funds, the cash flow can be enhanced. Similarly, the discount fee reduces the income for manufacturers, but does not require a credit check for membership and the payment from each wholesaler (income for the manufacturer) collectively from the payment agency. The cost is reduced by eliminating the trouble of receiving. Further, since the credit transaction allows a smooth flow of funds, the cash flow can be enhanced.

支 払 In addition, the payment agency avoids the risk hedging by having the intermediary agent purchase the accounts payable when the accounts payable arises. The intermediary can avoid the risk hedging of accounts payable by contract with the insurance company. These risk hedges can be minimized because of the membership-based e-commerce system of the present invention. Therefore, there is an advantage in that the conventional form of transaction between the maker and the wholesaler is changed from the maker to the intermediary / payment agent to the wholesaler.

(4) Here, the flow of funds and the number of days involved in ordering are described. The payment agent receives payment from the wholesaler at, for example, a 40-day site + 0.3% commission. Then, the payment agent pays the manufacturer with a 10-day site fee (2.0 to 3.0)%. Here, for the payment agent, the commission 0.3% and (2.0 to 3.0)% are gross profits. That is, the conventional payment was made on the 40-day site, but in the e-commerce system according to the present invention, the site is shortened to the 10-day site, and the manufacturer pays a commission (2.0 to 3.0)%. However, the cash flow can be increased. Further, the intermediary sells the receivable at 100% + (1.5-2.5)% to the paying agent. If the accounts payable generated by the payment agent becomes an intermediary, the intermediary repurchases the accounts payable at 100% + (1.5-2.5)% from the payment agent. In this way, the intermediary generates its operating expenses and operating profit with the membership membership / account maintenance expenses of members and the gain on sale of receivables (1.5 to 2.5)%, and the payment agent operates as a wholesaler. The operating expenses and operating profit are generated by the difference between the cost of purchasing receivables and the commissions associated with deposits and payments to manufacturers.

Note that the numerical values used in the above description are merely examples, and the present invention is not limited to these numerical values. It should be determined among manufacturers, wholesalers, intermediaries, and payment agents, and should be determined based on the amount of profit between the respective agents.

FIG. 2 is a system configuration diagram of one embodiment of the electronic commerce system of the present invention. The electronic commerce system shown in FIG. 2 includes a plurality of maker terminals 11, 11..., A plurality of wholesaler terminals 12, 12, an intermediary server system 13, and a payment agent server system. 14 are connected via a network 10 such as the Internet, for example.

The maker connects the maker terminal 11 to the intermediary server system 13 and the payment agent server system 14 via the network 10, and performs the processing of the maker described in FIG.

The wholesaler connects the wholesaler's terminal 12 to the intermediary server system 13 and the payment agency server system 14 via the network 10 and performs the wholesaler's processing described with reference to FIG.

The intermediary server system 13 and the payment agent server system 14 are electronically connected to each other by using various kinds of information supplied from the maker terminals 11, 11. The following processing relating to the commercial transaction is performed, and the result is transmitted to the terminals 11 for manufacturers and the terminals 12 for wholesalers.

FIG. 3 shows a configuration diagram of an embodiment of the server system for the broker and the server system for the payment agent of the present invention. The intermediary server system and the payment agent server system 13 or 14 (hereinafter abbreviated as the server system 13 or 14) include an input device 110, a display device 120, From the drive device 130, the recording medium 140, the auxiliary storage device 150, the memory device 160, the arithmetic processing device 170, an electronic commerce database (hereinafter, referred to as an electronic commerce DB) 180, and an interface device 190. It is configured. The interface device 190 is connected to the manufacturer terminal 11 and the wholesaler terminal 12 via the network 10.

The input device 110 includes a keyboard and a mouse operated by a user of the server system 13 or 14, and is used to input various signals to the server system 13 or 14. The display device 120 displays various windows and data necessary for operating the server system 13 or 14. The interface device 190 is an interface for connecting the server system 13 or 14 to the network 10, and is, for example, a modem or the like.

The electronic commerce program relating to the electronic commerce system is provided on a storage medium 140 such as a CD-ROM. The recording medium 140 storing the electronic commerce program is set in the drive device 130, and the program is installed in the auxiliary storage device 150 from the recording medium 140 via the drive device 130.

The auxiliary storage device 150 stores the installed e-commerce program and necessary files, data, and the like. The memory device 160 reads out and stores the electronic commerce program from the auxiliary storage device 150 when the computer system starts up.

The arithmetic processing unit 170 executes processing related to the electronic commerce system according to the electronic commerce program read and stored in the memory device 160.

FIG. 4 is a block diagram of an intermediary server system according to an embodiment of the present invention. The intermediary server system includes a product information database, a purchase condition information database, a search result processing device, a member user ID / password authentication database, a member authentication processing device, an account payable database, a trade receivable database, and a receivable.・ Equipped with debt processing equipment and merchandise purchase processing equipment.

More specifically, the intermediary server system includes a merchandise information database that stores merchandise information supplied from a maker terminal, and a purchase condition information that stores purchase condition information supplied from the wholesaler terminal. Result processing device comprising: a search database for searching for product information matching the purchase condition information from the product information database; and a supply unit for supplying the search result to a wholesaler terminal. And supply means for supplying a product purchase instruction from a membership wholesale terminal in accordance with the search result, and product information corresponding to the product purchase instruction to the purchaser's membership maker terminal. And a supply unit for supplying the product purchase information. The above is an intermediary server system according to claim 2.

サ ー バ Since this intermediary server system is accessible to the member manufacturers and wholesalers, there is no need for the manufacturer to use extra nerves for credit management at the destination, and the security of transactions is secured. Further, the processing of the intermediary company described in FIG. 1 is performed.

FIG. 5 is a configuration diagram of a payment agent server system according to an embodiment of the present invention. The payment agent server system includes a payment information database, a receivables information database, a payment processing device, a payables information database, and a payables processing device.

More specifically, the payment agent server system includes a payment information database that stores the payment from the wholesaler, a sales receivable information database that stores the sales receivable sold from the intermediary to the payment agent, A payment processing device comprising a matching means for checking the matching between the payment and the purchased trade receivables, and a payment means for processing the payment to the manufacturer, and a payable for storing the payable generated by the payment agent. It comprises an information database and a payables processing apparatus provided with purchase means for purchasing the payables to an intermediary agent. The above is a payment agent server system according to claim 3.

This payment agent server system is a server system specialized for payment in the electronic commerce system of the present invention. Therefore, since the process proceeds smoothly in a short period of time to purchase sales receivables, deposit from wholesalers, and pay to manufacturers, cash flows of the manufacturers and wholesalers can be increased. Further, the processing of the payment agency described in FIG. 1 is performed.

Next, the flow of goods and funds in e-commerce will be described. FIG. 6 is a flowchart showing an embodiment of a product, funds, etc. in electronic commerce.

In step 101, the merchandise terminal supplies merchandise information on merchandise to be traded from the maker terminal to the intermediary server system. Step 102 stores product information for registering the product information supplied from the manufacturer terminal in the product information database. Step 103 transmits the purchase condition information for supplying the purchase condition information on the desired product from the wholesaler terminal to the intermediary server system. Note that the purchase condition information includes a product name, a standard, a quantity, a price, a delivery date, and the like. A step 104 searches the merchandise information database for merchandise information matching the purchase condition information, and supplies the search result to the wholesaler terminal. That is, the product name / standard / quantity / price / delivery date, which are purchase condition information, are searched, and the search results are supplied to the wholesaler terminal. In other words, the search result processing device provided in the intermediary server system includes a search unit that searches the product information database for product information matching the purchase condition information, and the search result to the wholesaler terminal. Supply means for supplying, the search result processing device searches the product information database for product information matching the purchase condition information, and the search result is sent to the wholesaler terminal. Supply, that is, transmit.

Next, in step 105, an order is sent from the wholesaler terminal to the intermediary server system to place an order for a product conforming to the search result. In other words, the merchandise purchase processing device provided in the intermediary server system includes a supply unit to which a merchandise purchase instruction is supplied from a member-only wholesaler terminal according to the search result, Supply means for supplying the purchase information to the purchaser's membership-based maker terminal. Therefore, in the merchandise purchase processing device provided in the intermediary server system, an order for merchandise that matches the search result (that is, a merchandise purchase instruction) is supplied from the wholesaler terminal. That is, an order for a product that matches the search result is transmitted from the terminal for the wholesale dealer to the server system for the broker (that is, the product purchase processing device provided in the server system for the broker).

{Circle around (6)} Next, a step 106 sends a notification of delivery of the ordered product as a delivery note from the maker terminal to the intermediary server system. In other words, the merchandise purchase processing device provided in the intermediary server system includes a supply unit that supplies the merchandise information corresponding to the merchandise purchase instruction to the purchaser's member-only maker terminal. Since it is provided, the commodity information corresponding to the commodity purchase instruction is supplied to the manufacturer terminal. That is, a communication for delivering the ordered product (ie, the product information corresponding to the product purchase information) is used as a delivery note from the terminal for the manufacturer to the server system for the broker (that is, the product purchase provided in the server system for the broker). To the attached processing device).

Next, step 107 judges whether the payment from the wholesaler and the receivable from the intermediary company are checked by the payment agent server system to determine whether the payment is appropriate or not. In other words, the payment processing device provided in the payment agent server system includes a matching unit that checks the matching between the payment and the purchased trade receivable, and a payment unit that processes payment to the manufacturer. I have. Accordingly, the payment processing device provided in the payment agent server system checks whether the payment from the wholesaler matches the receivable from the intermediary company (that is, determines whether the payment is appropriate or not). If the judgment is affirmative, step 108 processes the payment at the payment agent server system. In other words, the payment processing device provided in the payment agent server system includes the payment means for processing the payment to the maker, so that the payment is performed by the payment agent server system (that is, the payment agent server). Payment processing is performed by the payment means provided in the system. If the above judgment is not appropriate, step 109 carries out a payable debt processing in which the payable debt is purchased by the intermediary in the payment agent server system. In other words, since the payable debt processing device provided in the payment agent server system includes the payment means for purchasing the accounts payable to the intermediary agent, the payment agent server system (that is, the payment agent server system) In this case, the accounts payable processor (a payable processor) prepares the accounts payable to an intermediary.

Next, another embodiment of goods, funds, and the like in electronic commerce according to the present invention will be described. FIG. 7 is a flowchart of another embodiment.

In step S1, a maker or a wholesaler, which is a member, performs electronic commerce using the electronic commerce system of the present invention, and connects the maker terminal 11 or the wholesaler terminal 12 to the server system via the network 10 such as the Internet. 13 and 14.

In step S2, the wholesaler or maker as the member inputs a user ID and a password from the maker's terminal 11 or the wholesaler's terminal 12, transmits them to the server systems 13 and 14, and performs authentication. Here, in the present invention, a user ID and a password are set only for a user registered in advance. Only members who have undergone qualification screening, which is a feature of the present invention, are given a user ID and password. The electronic commerce system according to the present invention is a member-based system with special members. Then, it is necessary to prevent a cracker or the like from intruding in a computer system to obtain information of another person illegally, and when accessing the system, it is necessary to authenticate a user ID and a password.

In step S3, the wholesaler inputs an order for goods through the wholesaler terminal 12 of the membership system, and transmits the order to the server system 13 or 14. In step S4, the broker confirms the order from the wholesaler and instructs the manufacturer to deliver. In other words, the merchandise purchase processing device provided in the intermediary server system is configured to supply the merchandise purchase instruction from the member-only wholesaler terminal according to the search result, and to respond to the merchandise purchase instruction. Supply means for supplying the purchase information to the purchaser's membership-based maker terminal. The product purchase information (corresponding to the purchase condition information described with reference to FIG. 6) includes a product name, a standard, a quantity, a price, a delivery date, and the like. Therefore, in the merchandise purchase processing device provided in the intermediary server system, the order of the merchandise matching the search result (that is, the order from the wholesaler) is supplied from the wholesaler terminal, and the merchandise purchase is performed. The product information corresponding to the instruction (that is, the order from the wholesaler) is supplied as the product purchase information to the member manufacturer terminal. That is, the merchandise purchase processing device provided in the intermediary server system confirms the order from the wholesaler terminal and instructs the maker terminal to deliver the merchandise (that is, transmits an order form). Also, the intermediary sells the receivables to the payment agency. In other words, since the intermediary server system has a selling means for selling the sales receivable to the payment agent, the selling receivable of the intermediary server system sells the receivable to the intermediary.

Next, in step 5, the manufacturer confirms the order and delivers it to the wholesaler. In step 6, the payment agent buys the receivable from the intermediary. In step 7, the wholesaler pays the payment agent for the goods. In step 8, the payment agent confirms the payment from the wholesaler. Also, if an account payable is generated, the payable is sold to an intermediary. In other words, since the payment agent server system includes the confirmation means for confirming the payment from the wholesaler terminal, the payment from the wholesaler terminal can be confirmed. Further, since the payment agent server system has an accounts payable processor equipped with purchase means for purchasing the accounts payable to the intermediary agent, when the accounts payable is generated, In this case, the payment agent sells the accounts payable to the intermediary by means of the purchase means for purchasing the accounts payable to the intermediary. In step 9, the payment agent pays the price of the goods to the manufacturer. In other words, the payment processing device provided in the payment agent server system includes the payment means for processing the payment to the maker, so that the payment is performed by the payment agent server system (that is, the payment agent server). Payment processing is performed by the payment means provided in the system. In step 10, the broker buys the accounts payable in step 7 from the payment agent.

FIG. 8 is an explanatory diagram of one embodiment of a payment period. The conventional payment period will be described with reference to FIG. In the following description, the number of days is calculated on the assumption that 1 month = 30 days. Conventionally, invoices are issued to wholesalers at the end of the month (ie, every 30 days) for delivery of goods from the manufacturer, and payment from the wholesalers is made at the payment site = 40 days. Had been cashed. The payment amount was checked on the 20th day after the end of the month as the payment amount fixed date. Therefore, it was possible to cash the goods up to 70 days after the delivery of the goods. However, such a long period of time is a factor that causes cash flow instability for manufacturers.

(4) Therefore, during the payment period of the electronic commerce system of the present invention, such cash flow instability factors were removed. FIG. 8B illustrates a payment period when the electronic commerce system of the present invention is used. In the present invention, the payment site = 10 days with a 10-day deadline (that is, a deadline every 10 days), and a maximum of 20 days from the delivery of goods to cashing. Compared with the conventional payment period, the payment period is 50 days. If this is calculated using the average value of one month = 30 days, the replacement payment period is 40 days. The risk hedging during this advance payment period will be borne by the payment agent.

Then, the interest burden for the payment period of the present invention is calculated for the conventional payment period. For example, assuming an annual interest rate of 2.5%, an average interest rate of 40 days (an average interest rate of 40 days during the advance payment period) = daily (2.5% ÷ 365 days) × 40 days = 0.272% (hereinafter, Monthly interest cost). Further, it is referred to as monthly interest cost + α = advance payment fee. For example, this replacement payment fee is set to 0.3%.

The payment agency who pays for the interest pays, for example, 2.0% as a fee at the time of payment to the manufacturer as an income portion, and 0.3% of the above-mentioned reimbursement payment fee, for a total of 2%. .3% is income. The expenditure is, for example, 1.5% as a commission paid from the intermediary to the intermediary when the sales receivable is sold. Therefore, revenue-expenditure = 2.3-1.5 = 0.8% remains for the payment agent. This is the operating cost and operating profit.

Next, FIG. 9 will be described. FIG. 9 shows the configuration of an embodiment of a maker terminal. The maker terminal includes a registration unit that registers product information on a product to be dealt with in the server system for an intermediary agent, and a receiving unit that receives payment information from the server system for a payment agent. That is, as shown in FIG. 2 and FIG. 9, the maker terminal is connected to the intermediary server system and the payment agent server system via a network, and performs a plurality of membership-based maker terminals for performing electronic commerce. A registration unit for registering merchandise information on merchandise to be traded stored in a merchandise information database of the intermediary server system, and a receiving unit for receiving payment information from the payment agent server system. It is characterized by the following. The above is a maker terminal according to claim 4.

Next, FIG. 10 will be described. FIG. 10 shows the configuration of an embodiment of a wholesaler terminal. The wholesaler terminal has supply means for supplying purchase condition information on a desired product to the intermediary server system, and supply means for supplying payment information from the wholesaler to the payment agent server system. are doing. That is, as shown in FIG. 2 and FIG. 10, the wholesaler terminal is connected to a server system for an intermediary company and a server system for a payment agent via a network, and performs a plurality of membership-based wholesalers who conduct e-commerce. A supply unit for supplying purchase condition information on a desired product stored in the purchase condition information database of the intermediary server system, and a payment agent from the wholesaler to the payment agent server system. And supply means for supplying. The above is a wholesaler terminal according to claim 5.

Next, FIG. 11 will be described. FIG. 11 is a flowchart of merchandise and funds in the electronic commerce system according to the third embodiment of the present invention. FIG. 11 is a flowchart for explanation as an electronic commerce system, and is mainly for explanation corresponding to claims 1 to 5.

Step S201 (hereinafter, step is omitted) is a connection to a network when starting the electronic commerce system. That is, a server system for an intermediary and a server system for a payment agent connected to the plurality of terminals for manufacturers and wholesalers and the terminals for manufacturers and wholesalers via a network. To start an electronic commerce system for conducting business transactions between the manufacturer terminal and the wholesaler terminal.

In step S202, the merchandise information is registered in the intermediary server system from the manufacturer terminal. In other words, the maker terminal has a registration unit for registering the merchandise information on the merchandise to be traded in the intermediary server system.

Step S203 supplies the purchase condition information on the desired product from the wholesaler terminal to the intermediary server system. That is, the wholesaler terminal has a supply unit that supplies purchase condition information on a desired product to the intermediary server system.

In step S204, the intermediary server system stores the merchandise information supplied from the manufacturer terminal in the merchandise information database. That is, the intermediary server system has storage means for storing the product information supplied from the manufacturer terminal in the product information database.

In step S205, the intermediary server system stores the information in the purchase condition information database supplied from the wholesaler terminal. That is, the intermediary server system has storage means for storing the purchase condition information supplied from the wholesaler terminal in the purchase condition information database.

In step S206, the intermediary server system searches the merchandise information database for merchandise information that matches the purchase condition information. That is, the intermediary server system has a search unit for searching the product information database for product information matching the purchase condition information.

In step S207, the intermediary server system supplies the search result to the wholesaler terminal. That is, the intermediary server system has a supply unit that supplies the search result to the wholesaler terminal. Further, the search result processing device of the intermediary server system includes the search means in S206 and the supply means in S207.

In step S208, the intermediary server system is supplied with a product purchase instruction from a member-only wholesaler terminal in accordance with the search result. That is, the intermediary server system has a supply unit to which a commodity purchase instruction is supplied from a member-only wholesaler terminal according to the search result.

In step S209, the intermediary server system supplies the merchandise information corresponding to the merchandise purchase instruction to the member-only maker terminal of the purchase destination. That is, the intermediary server system has a supply unit that supplies the product purchase information to the purchaser's membership-based maker terminal with the product information corresponding to the product purchase instruction. Further, the merchandise purchase processing device of the intermediary server system includes the supply unit in S208 and the supply unit in S209.

To summarize what has been described in S204 to S209, the intermediary server system includes the merchandise information database in S204, the purchase condition information database in S205, the search means in S206, the supply means in S207, and S208. And the supply unit of S209. In addition, the search result processing device of the intermediary server system includes the search unit of S206 and the supply unit of S207, and the commodity purchase processing device includes the supply unit of S208 and the supply unit of S209. , Is provided.

In step S210, the payment agent server system stores the payment from the wholesaler in the payment information database. That is, the payment agent server system has a payment information database that stores payments from wholesalers.

In step S211, the payment agent server system stores the sales receivable sold from the intermediary agent to the payment agent in the sales receivable information database. That is, the payment agent server system has a sales receivable information database that stores the sales receivable sold from the intermediary agent to the payment agent.

$ S212 is a payment conformity / nonconformity determination. More specifically, the payment agent server system checks the matching between the payment and the purchased receivable. That is, the payment agent server system has an adaptation unit that checks the adaptation between the payment and the purchased receivable.

$ S213 is a payment process if a match is determined in S212. More specifically, the payment agent server system includes a payment unit that processes payment to the manufacturer. In addition, the payment processing device of the payment agent server system includes the adaptation unit in S212 and the payment unit in S213.

In step S214, if the nonconformity is determined in step S212, the payment agent server system stores the accounts payable generated by the payment agent in the accounts payable information database. That is, the payment agent server system has a database for accounts payable information that stores accounts payable generated by the payment agent.

$ S215 is accounts payable processing. More specifically, the payment agent server system causes the intermediary agent to purchase the accounts payable. In other words, the payment agent server system has a purchase unit that allows the intermediary company to purchase the accounts payable. Further, the payable debt processing apparatus of the payment agent server system includes the purchase means of S215.

In summary of the description in S210 to S215, the payment agent server system includes the payment information database in S210, the sales receivable information database in S211, the adaptation unit in S212, the payment unit in S213, and S214. And a purchasing means of S215. Further, the payment processing device of the payment agent server system includes the adaptation unit of S212 and the payment unit of S213, and the accounts payable debt processing unit includes the purchase unit of S215.

The above description describes an e-commerce system, an intermediary server system, a payment agent server system, a manufacturer terminal, and a wholesaler terminal.

Next, FIG. 12 will be described. FIG. 12 is a flowchart of goods and funds in the e-commerce method according to the fourth embodiment of the present invention. FIG. 12 is a flowchart for explanation as an electronic commerce method, and is mainly for explanation corresponding to claims 6 and 7.

$ S301 is a connection with a network when starting the electronic commerce method. That is, a server system for an intermediary and a server system for a payment agent connected to the plurality of terminals for manufacturers and wholesalers and the terminals for manufacturers and wholesalers via a network. An electronic commerce method for conducting a commercial transaction between the terminal for the manufacturer and the terminal for the wholesaler is started by using.

Step S302 is a stage of transmitting product information from the manufacturer terminal. That is, the maker as a member operates the maker terminal to transmit product information on the product to be traded from the maker terminal to the intermediary server system, or the maker terminal is provided with the maker terminal. A transmitting means for transmitting the merchandise information relating to the merchandise to be traded from the maker terminal to the intermediary server system;

$ S303 is a product information storage step of registering the product information supplied from the maker terminal in the product information database of the intermediary server system. That is, the middleman operates a terminal provided in the middleman server system, and stores merchandise information supplied from the manufacturer terminal in the merchandise information database of the middleman server system; And a merchandise information storing step of storing merchandise information supplied from the maker terminal in a merchandise information database of the intermediary server system by a storage means included in the intermediary server system.

$ S304 is a purchase condition information transmitting step in which purchase condition information on a desired product is supplied from the wholesaler terminal to the intermediary server system. That is, a wholesaler who is a member operates the wholesaler's terminal to purchase condition information transmitting the purchase condition information relating to a desired product from the wholesaler's terminal to the intermediary server system, or And transmitting means for transmitting the purchase condition information relating to a desired product from the terminal for wholesalers to the server system for brokerage, wherein the transmission means provided in the terminal for wholesalers supplies the purchase condition information to the intermediary server system.

$ S305 is a search result transmitting step of searching the merchandise information database for merchandise information that matches the purchase condition information, and supplying the search result to the wholesaler terminal. That is, the intermediary operates the terminal provided in the intermediary server system to search the merchandise information database for merchandise information that matches the purchase condition information, and compares the search result with the wholesaler terminal. Or a search and transmission means provided in the intermediary server system searches the merchandise information database for merchandise information that matches the purchase condition information, and the search result is used for the wholesaler. And transmitting a search result to the terminal.

$ S306 is a purchase order transmitting step of transmitting an order for a product matching the search result as a purchase order from the wholesaler terminal to the broker server system. That is, the wholesaler operates the wholesaler's terminal to transmit an order for a product that matches the search result from the wholesaler's terminal to the intermediary server system as an order form, or A transmitting means provided in the wholesaler terminal, which transmits an order for a product conforming to the search result as an order form from the wholesaler terminal to the intermediary server system;

Step S307 is a delivery note transmitting step of transmitting a notification of delivery of the ordered product as a delivery note from the maker terminal to the intermediary server system. That is, the maker operates a terminal for the manufacturer to transmit a notification for delivering the ordered product by operating the terminal for the manufacturer as a delivery note from the terminal for the manufacturer to the server system for the broker, or the terminal for the manufacturer. Is a delivery note sending step in which the sending means provided in (1) sends a notification of delivery of the ordered product as a delivery note from the maker terminal to the intermediary server system.

$ S308 is a payment conformance / nonconformity stage. That is, the payment agent operates a terminal provided in the payment agent server system to check whether the payment from the wholesaler and the receivables from the intermediary agent match with the payment agent server system. Conformity / nonconformity stage, or payment conformity / nonconformity means provided in the payment agency server system checks the conformity between the payment from the wholesaler and the receivables from the intermediary in the payment agency server system.・ Nonconformity stage.

$ S309 is a payment processing stage if the conformity is determined in S108. That is, the payment agent operates a terminal provided in the payment agent server system to operate the terminal provided in the payment agent server system, and in the payment adaptation / non-conformance stage, if the payment is appropriate, the payment agent company pays the payment to the maker in the payment agent server system. A processing step, or a payment processing step in which the payment processing means of the payment agent server system provides the manufacturer with the payment agent server system if the payment is appropriate in the payment adaptation / non-conformity stage. .

$ S310 is a step in the accounts payable liability process if the payment is inconsistent in S108. In other words, if the payment is inconsistent, the paying agent server system purchases the payables to the intermediary in the server system for the paying agent, or if the means for processing the accounts payable provided in the server system for the agent does not comply with the payment, This is a step of processing the accounts payable debt which causes the intermediary company to purchase the accounts payable in the server system.

The above description is a terminal for a maker, a terminal for a wholesaler, a terminal provided for a server system for an intermediary company, and a terminal provided for a server system for a payment agent, an electronic commerce method for executing each processing stage, Alternatively, a terminal for a maker, a terminal for a wholesaler, a terminal provided in a server system for an intermediary company, and an electronic commerce method in which means provided in a terminal provided in a server system for a payment agent execute each processing step. It is.

図 FIG. 12 is described below as a program for functioning as an electronic commerce system. The following is a description mainly corresponding to claims 8 to 9.

$ S301 is a connection to a network when starting the electronic commerce system. In other words, a computer is connected to a plurality of membership-based maker terminals and wholesaler terminals and the plurality of membership-based maker terminals and wholesaler terminals via a network. It is connected to a network in order to function as an electronic commerce system for conducting business transactions between the manufacturer terminal and the wholesaler terminal using the server system for business.

In step S302, the merchandise terminal transmits merchandise information for supplying merchandise information relating to merchandise to be traded from the maker terminal to the intermediary server system. That is, the maker that is a member has product information transmitting means for operating the maker terminal to supply product information on a product to be traded from the maker terminal to the intermediary server system, or A transmission means provided in the terminal has a commodity information transmission means for supplying commodity information on a commodity to be traded from the maker terminal to the intermediary server system.

In step S303, the merchandise information supplied from the manufacturer terminal is registered in the merchandise information database of the intermediary server system. That is, the intermediary operates a terminal provided in the intermediary server system, and stores merchandise information supplied from the maker terminal in the merchandise information database of the intermediary server system. Or the storage means provided in the broker server system has product information storage means for registering the product information supplied from the maker terminal in the product information database of the broker server system.

In step S304, the purchase condition information for supplying the purchase condition information on the desired product from the wholesaler terminal to the intermediary server system is transmitted. That is, the wholesaler who is a member operates the wholesaler's terminal to purchase condition information transmitting means for supplying purchase condition information on a desired product from the wholesaler's terminal to the intermediary server system. Or a transmitting means provided in the wholesaler terminal has purchase condition information transmitting means for supplying purchase condition information on a desired product from the wholesaler terminal to the intermediary server system.

$ S305 searches the merchandise information database for merchandise information that matches the purchase condition information, and transmits a search result for supplying the search result to the wholesaler terminal. That is, the intermediary operates a terminal provided in the intermediary server system to search for merchandise information matching the purchase condition information from the merchandise information database, and compares the search result with the wholesaler terminal. A search result transmitting unit that supplies the product information, or a search transmitting unit included in the intermediary server system searches for product information matching the purchase condition information from the product information database, and searches the search result for the product information. A search result transmitting unit that supplies the result to the wholesaler terminal;

In step S306, an order form is transmitted from the wholesaler terminal to the intermediary server system as an order form with an order for a product matching the search result. That is, the wholesaler has order sheet transmitting means for operating the wholesaler terminal to transmit an order for a product that matches the search result from the wholesaler terminal to the intermediary server system as an order form. Alternatively, the transmitting means included in the wholesaler terminal includes an order form transmitting means for transmitting, as an order form, an order for a product matching the search result from the wholesaler terminal to the intermediary server system.

In step S307, a delivery note to be transmitted from the maker terminal to the intermediary server system is transmitted as a delivery note that the product is delivered. That is, the maker has a delivery note transmitting means for operating the maker terminal to transmit a notification for delivering the ordered product as a delivery note from the maker terminal to the intermediary server system, or The sending means provided in the maker terminal has a delivery note sending means for sending a notification of delivery of the ordered product as a delivery note from the maker terminal to the intermediary server system.

In step S308, payment conformity / nonconformity is determined. In other words, the payment agent operates a terminal provided in the payment agent server system to check whether the payment from the wholesaler and the receivables from the intermediary agent match with the payment agent server system. A payment conforming / non-conforming means having a conforming / non-conforming means, or a payment conforming / non-conforming means provided in the payment agent server system checks the conformity between the payment from the wholesaler and the receivable from the intermediary by the payment agent server system Payment conformity / non-conformity means.

In step S309, if the payment is appropriate in step S108, the payment is processed. That is, the payment agent operates a terminal provided in the payment agent server system to operate the terminal provided in the payment agent server system, and in the payment adaptation / non-conformance stage, if the payment is appropriate, the payment agent company pays the payment to the maker in the payment agent server system. Payment processing means having processing means, or wherein the payment processing means provided in the payment agent server system provides payment to the maker in the payment agent server system if the payment is appropriate in the payment adaptation / non-conformity stage. Having.

In step S310, if the payment is inconsistent in step S108, accounts payable are processed. In other words, if the payment is inconsistent, the payment agent server system has accounts payable processing means for purchasing the accounts payable to the intermediary, or if the payment agent processing means provided in the payment agent server system is incompatible, the payment is made. It has accounts payable processing means for making the intermediary agent purchase the accounts payable in the agent server system.

The above description is an electronic commerce system that executes the respective processing means by operating the terminal for the maker, the terminal for the wholesaler, the terminal provided for the server system for the intermediary, and the terminal provided for the server system for the payment agent. A program for functioning, or electronic commerce in which means provided for a terminal for a maker, a terminal for a wholesaler, a terminal for an intermediary server system, and a terminal for a server system for a payment agent execute each processing means. This explains a program for functioning as a system.

Next, FIG. 13 is a flowchart of merchandise, funds, and the like in the electronic commerce system of the fifth embodiment. First, an electronic commerce system is started. In S501, negotiations between the manufacturer and the wholesaler are started by telephone and face-to-face. In the present electronic commerce system, the merchandise registration processing of the maker terminal shown in FIG. 19 and the wholesaler terminal processing shown in FIG. 20 are performed. In S502, the wholesaler places an order with a broker. In this electronic commerce system, the processing of the wholesaler terminal shown in FIG. 20 is performed. In S503, the intermediary issues a delivery instruction to the manufacturer. In this electronic commerce system, the intermediary server system instructs the manufacturer terminal to deliver the goods by the delivery instruction means. Specifically, the delivery of the product is transmitted by the delivery instruction means.

Next, in S504, the manufacturer delivers the product to a wholesaler. In the present electronic commerce system, the manufacturer terminal notifies (specifically, transmits) the delivery notification to the wholesaler terminal by the delivery notification means. In S505, the trade receivables and accounts payable of the intermediary are sold to the paying agent. In this electronic commerce system, the intermediary server system sells the receivables and accounts payable to the payment agent server system by selling means.

Next, in S506, the payment agency collects the commodity price with the added commission from the wholesaler. In this electronic commerce system, the payment agent server system collects the product price with the added commission from the wholesaler terminal by the collection means. In S507, the payment agent pays the product price minus the commission to the manufacturer. In this electronic commerce system, the payment agent server system pays the commodity price minus the commission to the manufacturer terminal by the payment means. Then, the transaction ends. A detailed description of the tenth to twelfth aspects will be given later using the flowchart of FIG.

FIG. 14 is a system configuration diagram of an electronic commerce system according to the fifth embodiment. FIG. 14 is a more specific example of the system configuration diagram of FIG. The e-commerce system of FIG. 14 is, like FIG. 2, a manufacturer terminal 11, 11,... That is a plurality of members, a wholesaler terminal 12, 12,. The payment agent server system 14 is connected via a closed network with a membership system.

The maker terminals 11, 11... And the wholesaler terminals 12, 12,... Are connected via a closed network with a membership system, and perform the processing of the maker and the wholesaler described in FIG. The intermediary server system 13 and the payment agent server system 14 use various types of information supplied from the maker terminals 11 and 11 and the wholesaler terminals 12 and 12 through a closed network of a membership system. Then, the electronic commerce process is performed, and the result is transmitted to the terminals 11 for manufacturers and the terminals 12 for wholesalers. Note that the system configuration diagram of FIG. 14 is the same as that of FIG. 2, and thus detailed description is omitted.

FIG. 15 is a concrete example of the configuration of the electronic commerce system shown in FIG. (1) The maker terminal registers the merchandise information on the merchandise to be traded in the intermediary server system by the registration means. (2) The wholesaler terminal supplies the purchase condition information on the desired product to the intermediary server system by a supply unit. In other words, the wholesaler terminal registers the purchase condition information on the desired product in the intermediary server system by the registration unit. Note that the purchase condition information includes a product name, a standard, a quantity, a price, a delivery date, and the like, as described with reference to FIG. (3) The intermediary server system searches the merchandise information database for merchandise information that matches the purchase condition information by the search means, and supplies the search result to the wholesaler terminal by the supply means. The server system for the intermediary includes a search result processing device including the search means and the supply means.

{Circle around (4)} The wholesaler terminal instructs the merchant server instruction to purchase the merchandise according to the search result by the supply means. That is, the broker system server system is supplied by the supply unit with a commodity purchase instruction from the member-only wholesaler terminal according to the search result. In other words, the wholesaler operates the wholesaler's terminal to transmit an order for a product matching the search result as an order form from the wholesaler's terminal to the intermediary server system by the order form transmitting means. (5) The intermediary server system supplies the merchandise information corresponding to the merchandise purchase instruction to the purchaser's membership-based maker terminal by the supply means. The intermediary server system includes a merchandise purchase processing device including a means for supplying merchandise purchase instructions from a wholesaler terminal and a means for supplying merchandise purchase information to a maker terminal. .

{Circle around (6)} The maker terminal sends a notification of delivery of the ordered product as a delivery note to the intermediary server system by the delivery note sending means. (7) The payment agent server system determines whether or not the payment from the wholesaler and the receivables from the intermediary are in conformity with the transaction / non-conformance means (in FIG. 15, a transaction conformity check and display. 8 and 9). Then, the payment agent uses the transaction adaptation / non-conformance means to pay the maker by the payment processing means in the payment agent server system if the transaction is appropriate, or to the payment agent server system if the transaction is inconsistent. To have the intermediary buy the accounts payable by the accounts payable processing means. It should be noted that the payment agent server system includes a payment processing device (corresponding to the payment processing device of claims 1, 3, 8, and 9) including transaction conforming / non-conforming means and payment means. . In addition, there is provided a payable debt processing apparatus provided with purchase means (corresponding to the above-mentioned payable debt processing means) for purchasing the payable debt to the intermediary company.

In addition, the broker server system includes a product information database, a purchase information database (corresponding to the purchase condition information database in FIG. 4), a member authentication database (a member user ID / password authentication database in FIG. 4). ), A database for trade receivables and a database for accounts payable. In addition, the payment agent server system includes a payment information database, a receivables information database, and a payables information database. Note that the intermediary server system of FIG. 15 is the same as that of FIG. 4, and a detailed description thereof will be omitted. In addition, the payment agent server system of FIG. 15 is the same as that of FIG. 5, and a detailed description thereof will be omitted.

FIG. 16 is a configuration diagram of an intermediary server system according to the fifth embodiment. FIG. 16 is a more specific example of the configuration of the intermediary server system of FIG. The intermediary server system in FIG. 16 includes a product information database, a purchase information database (corresponding to the purchase condition information database in FIG. 4), and a member authentication database (member user ID / password authentication in FIG. 4). Database), a database for accounts receivable and a database for accounts payable. In addition, a search result processing device and a product purchase processing device for searching for product information and purchase information on a desired product from the product information database and the purchase information database for product purchase are provided.

The search result processing apparatus further includes a search unit that searches the product information database for product information that matches the purchase condition information, and a supply unit that supplies the search result to the wholesaler terminal. are doing. In addition, the commodity purchase processing device includes a supply unit to which a commodity purchase instruction is supplied from a wholesaler terminal of a membership system according to the search result, and merchandise information corresponding to the commodity purchase instruction. Supply means for supplying product purchase information to the member-type maker terminal. In addition, a member authentication processing device is provided for obtaining member information from a member authentication database and performing a member authentication process for the member authentication process. Further, in order to process trade receivables and accounts payable, a receivables / debts processing device for processing the receivables / debts from the trade receivables database and the accounts payables database is provided. Note that the intermediary server system of FIG. 16 is the same as that of FIG. 4, and a detailed description thereof will be omitted.

FIG. 17 is a configuration diagram of a payment agent server system according to the fifth embodiment. FIG. 17 is a more specific example of the configuration of the payment agent server system of FIG. The payment agent server system of FIG. 17 includes a payment information database, a receivables information database, and a payables information database. In order to process the payment, the payment information is checked from the payment information database and the receivables information database for the reconciliation between the purchased receivable and the receivable, and the payment to the manufacturer is processed by the payment means. . And it is provided with the said payment conformity / non-conformity means, and the payment processing apparatus provided with the said payment means. Also, in order to have the intermediary purchase the accounts payable generated by the payment agency, the intermediary is made to purchase the accounts payable from the accounts payable information database by the purchase means. In addition, the system is provided with a payable debt processing device having a purchase means for purchasing the payable debt to an intermediary agent. Note that the payment agent server system of FIG. 17 is the same as that of FIG. 5, and a detailed description thereof will be omitted.

FIG. 18 is a configuration diagram of one embodiment of the intermediary server system and the payment agent server system of the fifth embodiment. FIG. 18 is a more specific configuration diagram of the intermediary server system and the payment agent server system of FIG. The intermediary server system and the payment agent server system shown in FIG. 18 include an input device (keyboard / mouse), an output device (monitor / printer), a main memory (memory) device, a central processing unit, an electronic commerce DB, It comprises an output interface, an external auxiliary storage device, and a storage medium. Also, the input / output interface is connected to a closed network with membership. 18 correspond to the input device 110, the display device 120, the memory device 160, the arithmetic processing device 170, the e-commerce DB 180, the interface device 190, the auxiliary storage device 150, and the recording medium 140 in FIG. I do. Note that the configuration diagrams of the intermediary server system and the payment agent server system in FIG. 18 are the same as those in FIG. 3, and thus detailed description is omitted.

FIG. 19 shows an example of merchandise registration processing between a maker terminal and an intermediary server system according to the fifth embodiment. FIG. 19 is a more specific example of the configuration of the manufacturer terminal shown in FIG. (1) The terminal for the maker requests user authentication from the server system for the broker. That is, the terminal for the maker requests authentication to the server system for the intermediary by the user authentication means. In the electronic commerce system of the present invention, it is necessary to perform authentication because it is a closed system with a membership system. For example, the user ID and the password are transmitted from the manufacturer terminal to the intermediary server system by the user authentication means. This authentication process corresponds to step S1 in FIG. (2) The intermediary server system checks the transmitted user ID and password by ID / password checking means. (3) The intermediary server system transmits the check result to the manufacturer terminal by the user authentication result notifying means.

(4) Next, (4) a request for product information registration is made from the manufacturer terminal to the intermediary server system. That is, the merchandise information registration requesting means (corresponding to the merchandise information transmitting means in FIG. 6) of the maker terminal issues a request for registering the merchandise information to the intermediary server system. (5) The intermediary server system checks the transmitted product information. For example, whether there is any omission in the entry of the price, delivery date, packing specification, etc. of the product is checked by the error checking means. If there is an error by the error checking means, the error information is transmitted to the manufacturer terminal by the transmitting means. (6) When there is no error, the merchandise information transmitted to the intermediary server system is stored in the merchandise information database by the storage means. (7) Then, the intermediary server system notifies the maker terminal of the merchandise information registration by the registration notifying means (specifically, transmits it).

(8) Next, (8) the broker server system transmits the shipping instruction information to the manufacturer terminal by the shipping instruction information transmitting means. (9) The maker terminal performs shipping processing by the shipping processing means based on the shipping instruction information. (10) The maker terminal transmits the delivery information to the broker server system by the delivery information transmitting means. (11) The intermediary server system transmits the delivery information to the wholesaler terminal by the delivery information transmitting means.

FIG. 20 shows processing between a wholesaler terminal and an intermediary server system according to the fifth embodiment. FIG. 20 shows a more specific configuration of the manufacturer terminal shown in FIG. (1) to (3) are the same as those in FIG. In addition, the manufacturer terminal described in FIG. 19 may be replaced with a wholesaler terminal. (4) There is a request for registration of purchase condition information from the wholesaler terminal to the intermediary server system. That is, the purchase condition information registration requesting means (corresponding to the purchase condition information information transmitting means in FIG. 6) of the wholesaler terminal issues a request for registration of the purchase condition information to the intermediary server system. The purchase condition information (corresponding to the purchase condition information described with reference to FIG. 6) includes a product name, a standard, a quantity, a price, a delivery date, and the like. (5) The intermediary server system checks the transmitted purchase condition information. For example, error checking means checks whether there is any omission in the price, delivery date, packing specification, etc. of the purchase condition. If there is an error by the error checking means, the error information is transmitted to the wholesaler terminal by the transmitting means.

(6) Next, (6) when there is no error, the merchandise server system is searched by the search means in the server system for the broker. (7) Then, the intermediary server system notifies the search result to the wholesaler terminal by the search result notifying means. (8) The wholesaler terminal transmits the order data to the intermediary server system by the order data transmitting means (corresponding to the transmission of the order form in FIG. 6). (9) The intermediary server system transmits the shipping instruction information to the purchasing manufacturer terminal by the shipping instruction information transmitting means. (10) The payment agent server system transmits the shipping instruction information to the wholesaler terminal by the shipping instruction information means, and transmits the receivables and accounts payable relating to the goods indicated by the shipping to the payment agent server system. The sale processing is executed by the sale processing means. (11) The intermediary server system transmits the scheduled delivery data to the wholesaler terminal by the scheduled delivery data transmitting means.

FIGS. 13 to 20 described above are mainly for describing claims 10 to 12. An explanation corresponding to claims 10 to 12 will be given using the flowchart of FIG.

First, a description will be given of the electronic commerce system according to claim 10 with reference to the flowchart of FIG. First, as shown in FIG. 14, at the start of a transaction, a plurality of maker terminals and wholesaler terminals of a membership system are connected via a closed network of a membership system, and a plurality of terminals for a wholesaler are connected via the closed network of the membership system. An electronic commerce system for conducting a business transaction between the maker terminal and the wholesaler terminal using the intermediary server system and the payment agent server server system connected to each other is started.

In the negotiation by telephone and face-to-face between the manufacturer and the wholesaler of S501, the electronic commerce system of the present invention has the following system configuration. As shown in FIG. 19 and FIG. 20, the maker terminal has a user authentication means for requesting authentication of membership from the maker terminal to the intermediary server system, and a transaction from the maker terminal to the intermediary server system. Product information registration request means for requesting registration of product information on the target product. Note that the product information registration corresponds to (1) the maker terminal of FIG. 15 in which the maker terminal registers the product information on the product to be dealt with the intermediary server system by the registration unit. Further, the wholesaler terminal includes a user authentication means for requesting authentication of membership as a member from the wholesaler terminal to the intermediary server system, and a purchase of a desired product from the wholesaler terminal to the intermediary server system. Purchase condition information registration requesting means for requesting registration of the condition information. The registration of the purchase condition information corresponds to (2) the wholesaler terminal of FIG. 15 in which the purchase condition information relating to the desired product is supplied to the intermediary server system by the supply unit.

Also, the server system for the intermediary is a means for checking the user ID and the password transmitted from the terminal for the maker and the terminal for the wholesaler to check the ID and the password, and the result of the check is transmitted to the terminal for the maker by the user authentication result notifying means. Transmission means for transmitting to the wholesaler terminal, error checking means for checking the product information transmitted from the maker terminal, and transmission of transmitting error information to the maker terminal when there is an error by the error checking means. Means for storing the merchandise information transmitted to the intermediary server system in the merchandise information database when there is no error by the error checking means, and registering the merchandise information registration in the maker terminal Notification means for notification by the notification means and transmission from the terminal for wholesalers Error checking means for checking the acquired purchase condition information, and, if there is an error, by the error checking means, transmitting means for transmitting the error information to the wholesaler terminal, and no error by the error checking means. At this time, the system includes a search means for searching for a product satisfying the condition in the intermediary server system, and a search result notifying means for notifying the search result to the wholesaler terminal. The search result is obtained by searching the merchandise server system of FIG. 15 (3) for merchandise information that matches the purchase condition information from the merchandise information database using the search means, and the search result is transmitted to the wholesaler terminal. Is supplied by the supply means.

Next, when the wholesaler in S502 places an order with an intermediary company, the electronic commerce system of the present invention has the following system configuration. As shown in FIG. 20, the wholesaler terminal includes transmission means for transmitting order data relating to a desired product corresponding to the purchase condition information to the intermediary server system. The transmission of the order data corresponds to (4) the wholesaler terminal in FIG. 15 instructing the merchandise purchaser to the intermediary server system by the supply unit in accordance with the search result. In other words, the wholesaler operates the wholesaler's terminal to transmit an order for a product conforming to the search result as an order form from the wholesaler's terminal to the intermediary server system by an order form transmitting means. Equivalent to.

Next, when the intermediary in S503 issues a delivery instruction to the maker, the electronic commerce system of the present invention has the following system configuration. As shown in FIG. 19, the intermediary server system includes shipping instruction information information transmitting means for transmitting from the intermediary server system to the purchaser manufacturer terminal. In addition, the shipping instruction information is provided in (5) the intermediary server system of FIG. 15 by supplying the merchandise information corresponding to the merchandise purchasing instruction to the purchaser's membership-based maker terminal. Supplied by

Next, when the manufacturer in S504 delivers the product to the wholesaler, the electronic commerce system of the present invention has the following system configuration. As shown in FIG. 15, the intermediary server system includes a delivery note transmitting means for transmitting a notification of delivering the ordered product as a delivery note from the maker terminal to the intermediary server system. Note that the delivery note transmission corresponds to (9) the maker terminal in FIG. 19, in which the shipping processing unit performs shipping processing based on the shipping instruction information. That is, the maker terminal performs shipping processing to the wholesaler terminal by the shipping processing means.

Next, in selling the trade receivables and accounts payable of the intermediary company to the payment agency in S505, the electronic commerce system of the present invention has the following system configuration. As shown in (10) of FIG. 20, the intermediary server system includes a selling unit that sells the trade receivables and accounts payable of the intermediary to a payment agency, and, as shown in (7) of FIG. The payment agent server system includes transaction matching / non-matching means (in FIG. 15, indicated as a transaction matching check) for checking the matching between the payment from the wholesaler and the receivables from the broker.

Next, in the payment agent in S506, the merchandise price with the added fee is collected from the wholesaler, and the electronic commerce system of the present invention has the following system configuration. The payment agent server system includes a collection unit that collects, from a wholesaler, a product price with a fee added.

Next, in S507, the payment agency pays the product price minus the commission to the manufacturer, and the electronic commerce system of the present invention has the following system configuration. As shown in FIG. 15 (7), the transaction conforming / non-conforming means is a payment processing means for making a payment to a maker in a server system for a payment agent if the transaction is appropriate, and a server for a payment agent if the transaction is incompatible. And a payable processing means for causing the intermediary to purchase the payable in the system. Then, the electronic commerce system ends the transaction.

Next, a description will be given of the electronic commerce method according to the eleventh embodiment with reference to the flowchart of FIG. First, as shown in FIG. 14, at the start of a transaction, a plurality of maker terminals and wholesaler terminals of a membership system are connected via a closed network of a membership system, and a plurality of terminals for a wholesaler are connected via the closed network of the membership system. An electronic commerce method for commerce between the maker terminal and the wholesaler terminal using the intermediary server system and the payment agent server system which are connected to each other is started.

In the e-commerce method of the present invention, the following steps (hereinafter, referred to as steps) are performed in the negotiation between the manufacturer and the wholesaler in S501 by telephone and face-to-face. As shown in FIG. 19, FIG. 20, and FIG. 15, in S501, the maker that is a member operates the maker terminal to request authentication of the member from the maker terminal to the intermediary server system. A user authentication step of performing a user authentication step of operating the wholesaler terminal to request authentication of the membership to the intermediary server system from the wholesaler terminal; and The trader operates a terminal provided in the intermediary server system to check the user ID and password transmitted from the maker terminal and the wholesaler terminal in the ID / password check step, and displays the check result in the maker terminal. And a step of notifying a user authentication result to be transmitted to the wholesaler terminal, and the maker operates the maker terminal to determine a product to be traded. A product information registration requesting step of requesting registration of the product information from the maker terminal to the intermediary server system; and the intermediary operates a terminal provided in the intermediary server system to register from the maker terminal. An error check stage of the product information registration for checking the requested product information, and in the error check stage, if there is an error, a transmission stage of transmitting the error information to the manufacturer terminal, or, if there is no error, A product information storing step of storing the product information transmitted to the intermediary server system in the product information database; and a product information registration notifying step of notifying the maker terminal of the product information registration.

Then, in S501, the wholesaler operates the wholesaler's terminal, and purchase condition information for requesting registration of purchase condition information relating to a desired product from the wholesaler's terminal to the intermediary server system. In the registration requesting step, the intermediary company operates a terminal provided in the intermediary server system, and there is an error in the error checking step of the purchase condition information of the registration-requested product information and the error checking step. In some cases, a transmission step of transmitting error information to a wholesaler terminal, or in the absence of an error, a search step of searching for a condition-applicable product in an intermediary server system, and a search result for a wholesaler And a search result notification step of notifying the terminal.

Next, when the wholesaler places an order with a broker in S502, the following steps are performed in the electronic commerce method of the present invention. As shown in FIGS. 20 and 15, in S502, the wholesaler operates the wholesaler's terminal to place an order for goods conforming to the search result notification as an order form from the wholesaler's terminal to the broker. A purchase order transmission stage for transmission to the server system.

(4) Next, the intermediary in S503 issues a delivery instruction to the manufacturer, and the following steps are performed in the electronic commerce method of the present invention. As shown in FIGS. 19 and 15, in S503, the broker operates a terminal provided in the server system for the broker to transmit the purchase information to the terminal for the manufacturer of the purchase destination. Transmission stage.

Next, when the manufacturer in S504 delivers the product to a wholesaler, the following steps are taken in the electronic commerce method of the present invention. As shown in FIG. 15, the following steps are performed in S504. The maker operates the maker terminal to transmit a notification of delivery of the ordered product from the maker terminal to the intermediary server system as a delivery note.

Next, in selling the trade receivables and accounts payable of the intermediary company to the payment agency in S505, the following steps are performed in the electronic commerce method of the present invention. In S505, the intermediary operates a terminal provided in the intermediary server system to sell the trade receivables and accounts payable of the intermediary to the payment agent, and, as shown in FIG. The payment agent operates a terminal provided in the payment agent server system to check whether the payment from the wholesaler and the receivables from the intermediary are matched by the payment agent server system.・ The nonconformity stage.

Next, the payment agent in S506 collects the product price with the added commission from the wholesaler in the following steps in the electronic commerce method of the present invention. In S506, the payment agent server system is in a collection stage of collecting the product price with the added commission from the wholesaler.

Next, the payment agent in S507 pays the product price minus the commission to the manufacturer, and the following steps are performed in the electronic commerce method of the present invention. As shown in FIG. 15, in S507, the payment agent operates a terminal provided in the payment agent server system, and in the transaction adaptation / non-conformity stage, if the transaction is appropriate, the payment agent server system is operated. To the payment processing step of making payment to the manufacturer, or, if the transaction does not match, the payment agent server system for purchasing the accounts payable to the intermediary in the payment agent server system.

The above description is a terminal for a maker, a terminal for a wholesaler, a terminal provided for a server system for an intermediary company, and a terminal provided for a server system for a payment agent, an electronic commerce method for executing each processing stage, Is explained.

Next, using FIG. 13 as a program for causing FIG. 13 to function as an electronic commerce system, the following will be described. The following mainly describes the twelfth aspect. First, as shown in FIG. 14, at the start of a transaction, a computer was connected to a plurality of maker terminals and wholesaler terminals of a membership system via a closed network of a membership system, and the membership system was closed. An electronic commerce system for commerce between the terminal for the maker and the terminal for the wholesaler using the server system for the intermediary and the server system for the payment agent connected via a network is started.

In the negotiation between the manufacturer and the wholesaler by telephone and face-to-face in S501, the following processing means is executed in the program functioning as the electronic commerce system of the present invention. As shown in FIG. 19, FIG. 20, and FIG. 15, in S501, the maker that is a member operates the maker terminal to request authentication of the member from the maker terminal to the intermediary server system. User authentication means for performing the operation, the wholesaler as a member operates the terminal for wholesaler, and the user authentication means for requesting authentication of the membership from the terminal for wholesaler to the server system for intermediary; The trader operates a terminal provided in the intermediary server system to check the user ID and password transmitted from the maker terminal and the wholesaler terminal with the ID / password check means, and displays the check result with the maker terminal. And a user authentication result notifying unit that transmits the user authentication result to the wholesaler terminal.

Then, in S501, the maker operates the maker terminal to request the maker terminal to register the merchandise information on the merchandise to be traded from the maker terminal to the intermediary server system. The intermediary company operates a terminal provided in the intermediary server system to check the merchandise information requested to be registered by the manufacturer's terminal. The merchandise information registration error check unit has an error in the error check step. A transmission means for transmitting the error information to the maker terminal; or, if there is no error, a product information storage means for storing the product information transmitted to the intermediary server system in a product information database; and The product information registration notifying means for notifying the manufacturer terminal of the product information registration, and the wholesaler By operating the wholesaler terminal, purchase condition information registration requesting means for requesting registration of purchase condition information relating to a desired product from the wholesaler terminal to the intermediary server system, and the intermediary, Operate the terminal provided in the intermediary server system to check the purchase condition information of the product information for which registration has been requested, and, if there is an error in the error check step, send the error information to the wholesaler terminal. Transmitting means for transmitting, or, if there is no error, a search means for searching for a product corresponding to the condition in the broker server system, and a search result notifying means for notifying the search result to the wholesaler terminal. Have.

Next, when the wholesaler in S502 places an order with an intermediary company, the present invention executes the following processing means. As shown in FIG. 20, in S502, the wholesaler operates the wholesaler's terminal to place an order for a product conforming to the search result notification from the wholesaler's terminal to the intermediary server system as an order form. And transmission means for transmitting a purchase order.

Next, when the intermediary in S503 instructs the manufacturer to deliver, the following processing means is executed in the present invention. As shown in FIGS. 19 and 15, in S503, the broker operates a terminal provided in the server system for the broker to transmit the purchase information to the terminal for the manufacturer of the purchase destination. Transmission means.

Next, in the present invention, when the manufacturer in S504 delivers the product to the wholesaler, the following processing means is executed in the present invention. As shown in FIG. 15, in S504, the maker operates the maker terminal to transmit a notification for delivering the ordered product from the maker terminal to the intermediary server system as a delivery note. Transmission means.

Next, in S505, the sales receivables and accounts payable of the intermediary are sold to the payment agent, the following processing means is executed in the present invention. In S505, the intermediary operates a terminal provided in the intermediary server system to sell the receivables and accounts payable of the intermediary to the payment agent, and, as shown in FIG. The payment agent operates a terminal provided in the payment agent server system to check whether the payment from the wholesaler and the receivables from the intermediary are matched by the payment agent server system. And non-conforming means.

Next, in the step S506, the payment agency collects the product price with the added commission from the wholesaler, and executes the following processing means in the present invention. In S506, the payment agent server system has a collection unit that collects, from the wholesaler, the product price with the added commission.

Next, the payment agent in S507 pays the product price minus the commission to the manufacturer, and executes the following processing means in the present invention. As shown in FIG. 15, in S507, the payment agent operates a terminal provided in the payment agent server system, and in the transaction adaptation / non-conformity stage, if the transaction is appropriate, the payment agent server system is operated. And a payment processing means for making a payment to a maker, or, if the transaction is not appropriate, a payment agent server system for purchasing the payment of the payable to an intermediary.

The above description is an electronic commerce system that executes the respective processing means by operating the terminal for the maker, the terminal for the wholesaler, the terminal provided for the server system for the intermediary, and the terminal provided for the server system for the payment agent. And a program for causing the program to function.

The above description is illustrative in all aspects of the disclosed embodiments and is not restrictive. Therefore, the scope of the present invention is not limited to the above description, but is defined by the appended claims, and may include equivalents to the claims and all modifications within the scope. Is intended.

FIG. 1 is an explanatory diagram of one embodiment of electronic commerce according to the present invention. FIG. 2 is a system configuration diagram of an embodiment of the electronic commerce system according to the present invention. FIG. 3 is a configuration diagram of an embodiment of an intermediary server system and a payment agent server system according to the present invention. FIG. 4 shows the configuration of an embodiment of the database and the processing device of the intermediary server system according to the present invention. FIG. 5 shows the configuration of an embodiment of the database and the processing device of the payment agent server system according to the present invention. FIG. 6 is a flowchart of an embodiment of a product / fund in electronic commerce according to the present invention. FIG. 7 is a flowchart of another embodiment of goods, funds, and the like in electronic commerce according to the present invention. FIG. 8 is an explanatory diagram of one embodiment of a payment period. (A) is an explanatory diagram of a conventional payment period, and (B) is an explanatory diagram of a payment period when the electronic commerce system of the present invention is used. FIG. 9 shows the configuration of an embodiment of a maker terminal. FIG. 10 shows the configuration of an embodiment of a wholesaler terminal. FIG. 11 is a flowchart of merchandise and funds in the electronic commerce system according to the third embodiment of the present invention. FIG. 12 is a flowchart of goods and funds in the e-commerce method according to the fourth embodiment of the present invention. FIG. 13 is a flowchart of merchandise and funds in the electronic commerce system according to the fifth embodiment. FIG. 14 is a system configuration diagram of an e-commerce system according to the fifth embodiment. FIG. 15 embodies a configuration diagram of the electronic commerce system of FIG. FIG. 16 is a configuration diagram of the intermediary server system of the fifth embodiment. FIG. 17 is a configuration diagram of a payment agent server system of the fifth embodiment. FIG. 18 is a configuration diagram of an embodiment of the intermediary server system and the payment agent server system of the fifth embodiment. FIG. 19 shows an example of a merchandise registration process between the maker terminal and the intermediary server system according to the fifth embodiment. FIG. 20 shows processing between a wholesaler terminal and an intermediary server system according to the fifth embodiment.

Explanation of reference numerals

DESCRIPTION OF SYMBOLS 10 Network 11 Maker terminal 12 Wholesale store terminal 13 Intermediary server system 14 Payment agent server system 110 Display device 120 Input device 130 Drive device 140 Storage medium 150 Auxiliary storage device 160 Memory device 170 Processing unit 180 Electronic commerce DB
190 Interface device B bus

Claims (12)

Using a server system for an intermediary and a server system for a payment agent, which are connected via a network to a plurality of terminal units for a maker and a wholesaler of membership system and a plurality of terminals for a maker and a wholesaler terminal of the membership system. In an electronic commerce system for conducting business transactions between the manufacturer terminal and the wholesaler terminal,
A maker terminal having registration means for registering product information on a product to be traded in the broker server system;
A wholesaler terminal having supply means for supplying purchase condition information regarding a desired product to the broker server system,
A product information database that stores product information supplied from the manufacturer terminal, and a purchase condition information database that stores purchase condition information supplied from the wholesaler terminal,
A search means for searching the product information database for product information conforming to the purchase condition information, and a supply means for supplying the search result to a wholesaler terminal;
Supply means for supplying a product purchase instruction from a member system wholesaler terminal in accordance with the search result; and product information corresponding to the product purchase instruction to a purchaser member system maker terminal. Supply means for supplying attachment information, and a commodity purchase processing device comprising:
An intermediary server system having
A database for payment information that stores payments from wholesalers, a database for receivables information that stores sales receivables sold from intermediaries to payment agents,
A payment processing device comprising: a payment matching / non-conforming means for checking the matching between the payment and the purchased receivables; and a payment means for processing a payment to a manufacturer.
A payables information database for storing the payables generated by the payment agent,
An accounts payable processing device having a purchase means for purchasing the accounts payable to an intermediary;
A payment agent server system having
An electronic commerce system comprising: An intermediary server system that is connected via a network to a plurality of member-based manufacturer terminals and wholesale dealer terminals and manages electronic commerce performed between the plurality of membership-based manufacturer terminals and wholesale dealer terminals; and In the payment agent server system,
A product information database for storing product information on the product to be traded supplied from the manufacturer terminal,
Purchase condition information on a desired product is supplied from the wholesaler terminal, and a purchase condition information database that stores the purchase condition information,
A search means for searching the product information database for product information conforming to the purchase condition information, and a supply means for supplying the search result to a wholesaler terminal;
Supply means for supplying a product purchase instruction from a member system wholesaler terminal in accordance with the search result; and product information corresponding to the product purchase instruction to a purchaser member system maker terminal. Supply means for supplying attachment information, and a commodity purchase processing device comprising:
Server system for brokers having An intermediary server system that is connected via a network to a plurality of member-based manufacturer terminals and wholesale dealer terminals and manages electronic commerce performed between the plurality of membership-based manufacturer terminals and wholesale dealer terminals; and In the payment agent server system,
A payment information database for storing payments from wholesalers,
A database for trade receivables information that stores trade receivables sold from the intermediary to the payment agent,
A payment processing device comprising: a payment matching / non-conforming means for checking the matching between the payment and the purchased receivables; and a payment means for processing a payment to a manufacturer.
A payables information database for storing the payables generated by the payment agent,
An accounts payable processing device having a purchase means for purchasing the accounts payable to an intermediary;
A payment agent server system having: In a plurality of membership-based maker terminals that are connected to the intermediary server system and the payment agent server system via a network and perform e-commerce,
Registration means for registering product information on a product to be traded stored in a product information database of the broker system server system;
Receiving means for receiving payment information from the payment agent server system,
A terminal for a manufacturer, comprising: In a plurality of membership system wholesaler terminals that are connected to the intermediary server system and the payment agent server system via a network and perform e-commerce,
Supply means for supplying purchase condition information on a desired product stored in the purchase condition information database of the intermediary server system;
Supply means for supplying payment information from a wholesaler to the payment agent server system,
A terminal for a wholesaler, comprising: Using a server system for an intermediary and a server system for a payment agent, which are connected via a network to a plurality of terminal units for a maker and a wholesaler of membership system and a plurality of terminals for a maker and a wholesaler terminal of the membership system. In the electronic commerce method for conducting business transactions between the terminal for the manufacturer and the terminal for the wholesaler,
A maker that is a member, a product information transmitting step of operating the maker terminal to supply product information on a product to be traded from the maker terminal to the intermediary server system,
The merchant operates a terminal provided in the intermediary server system, and stores merchandise information supplied from the maker terminal in a merchandise information database of the intermediary server system, and stores the merchandise information.
A wholesaler that is a member, a purchase condition information transmitting step of operating the wholesaler's terminal to provide purchase condition information on a desired product from the wholesaler's terminal to the intermediary server system,
The intermediary company operates a terminal provided in the intermediary server system to search for merchandise information matching the purchase condition information from the merchandise information database, and supplies the search result to the wholesaler terminal. Submitting search results;
The wholesaler operates the wholesaler's terminal to transmit an order for a product conforming to the search result from the wholesaler's terminal to the intermediary server system as an order form,
A delivery note transmitting step of transmitting a notification for delivering the ordered product by operating the manufacturer terminal as a delivery note from the manufacturer terminal to the intermediary server system,
The payment agent operates a terminal provided in the payment agent server system to check whether the payment from the wholesaler and the receivables from the intermediary agent are matched by the payment agent server system. Non-conformance phase,
The payment agent operates a terminal provided in the payment agent server system to operate a terminal provided in the payment agent server system. And, if the payment is inconsistent, a payment agent processing step of purchasing the accounts payable to the intermediary in the payment agent server system.
An electronic commerce method for executing each processing stage by operating a terminal for a maker, a terminal for a wholesaler, a terminal provided in a server system for a middleman, and a terminal provided in a server system for a payment agent. Using a server system for an intermediary and a server system for a payment agent, which are connected via a network to a plurality of terminal units for a maker and a wholesaler of membership system and a plurality of terminals for a maker and a wholesaler terminal of the membership system. In the electronic commerce method for conducting business transactions between the terminal for the manufacturer and the terminal for the wholesaler,
A product information transmitting step in which the transmitting means provided in the maker terminal supplies product information on the product to be traded from the maker terminal to the intermediary server system,
A merchandise information storing step of storing merchandise information supplied from the maker terminal in a merchandise server database system merchandise information database;
A purchase condition information transmitting step in which a transmission means provided in the wholesaler terminal supplies purchase condition information on a desired product from the wholesaler terminal to the intermediary server system;
A search result transmitting step in which search and transmission means provided in the intermediary server system searches for product information matching the purchase condition information from the product information database, and supplies the search result to the wholesaler terminal;
An order form transmitting step in which the wholesaler terminal includes transmitting means for transmitting an order for a product that matches the search result from the wholesaler terminal to the broker server system as an order form;
A delivery note transmitting step in which the sending means provided in the maker terminal sends a notification for delivering the ordered product as a delivery note from the maker terminal to the intermediary server system,
A payment conformity / nonconformity step in which the payment conformance / nonconformity means provided in the payment agency server system checks the conformity between the payment from the wholesaler and the receivables from the intermediary in the payment agency server system,
If the payment processing means provided in the payment agent server system is in the payment conformity / non-conformity stage, if the payment is appropriate, the payment agent server system is used to make a payment to the maker, or If the payable debt processing means provided in the server system does not conform to the payment, a payable debt processing step of purchasing the payable debt to the intermediary in the payment agent server system,
An electronic commerce method in which means provided in a terminal for a maker, a terminal for a wholesaler, a terminal provided in a server system for an intermediary agent, and a terminal provided in a server system for a payment agent execute each processing step. Computer
Using a server system for an intermediary and a server system for a payment agent, which are connected via a network to a plurality of terminal units for a maker and a wholesaler of membership system and a plurality of terminals for a maker and a wholesaler terminal of the membership system. In an electronic commerce system for conducting business transactions between the manufacturer terminal and the wholesaler terminal,
A maker that is a member, a product information transmitting unit that operates the maker terminal to supply product information on a product to be traded from the maker terminal to the intermediary server system,
An intermediary, a merchandise information storage means for operating a terminal provided in the intermediary server system and registering the merchandise information supplied from the manufacturer terminal in a merchandise information database of the intermediary server system,
A wholesaler who is a member, purchase condition information transmitting means for operating the terminal for the wholesaler to supply purchase condition information on a desired product from the terminal for the wholesaler to the server system for the broker,
The intermediary company operates a terminal provided in the intermediary server system to search for merchandise information matching the purchase condition information from the merchandise information database, and supplies the search result to the wholesaler terminal. Means for sending search results to
The wholesaler operates the wholesaler's terminal to transmit an order for a product matching the search result as an order form from the wholesaler's terminal to the intermediary server system as an order form transmitting means,
A delivery note transmitting means for operating the manufacturer terminal to transmit a notification for delivering the ordered product as a delivery note from the manufacturer terminal to the intermediary server system by operating the manufacturer terminal;
The payment agent operates a terminal provided in the payment agent server system to check whether the payment from the wholesaler and the receivables from the intermediary agent are matched by the payment agent server system. Non-conforming means;
The payment agent operates a terminal provided in the payment agent server system to operate the terminal provided in the payment agent server system. And, if the payment is inconsistent, a payment agent processing means for purchasing the accounts payable to the intermediary in the payment agent server system,
A program for operating a terminal for a maker, a terminal for a wholesaler, a terminal provided for a server system for an intermediary agent, and a terminal provided for a server system for a payment agent, so as to function as an electronic commerce system for executing each processing means. . Computer
Using a server system for an intermediary and a server system for a payment agent, which are connected via a network to a plurality of terminal units for a maker and a wholesaler of membership system and a plurality of terminals for a maker and a wholesaler terminal of the membership system. In an electronic commerce system for conducting business transactions between the manufacturer terminal and the wholesaler terminal,
Commodity information transmission means, wherein the transmission means provided in the maker terminal supplies the commodity information on the commodity to be traded from the maker terminal to the intermediary server system,
A merchandise information storage means for storing merchandise information supplied from the maker terminal in a merchandise information database of the intermediary server system;
Purchase condition information transmitting means, wherein the transmitting means provided in the wholesaler terminal supplies purchase condition information on the desired product from the wholesaler terminal to the broker system server system,
Search result transmitting means provided in the intermediary server system for searching for product information matching the purchase condition information from the product information database, and supplying the search result to the wholesaler terminal;
An order form transmitting means for transmitting the order of the goods matching the search result as an order form from the wholesaler terminal to the broker system server system, wherein the transmitting means provided in the wholesaler terminal includes
A delivery note transmitting means for transmitting, from the maker terminal to the intermediary server system, a notification that the sending means provided in the maker terminal delivers the ordered product as a delivery note,
Payment conforming / non-conforming means, wherein the payment conforming / non-conforming means included in the payment agent server system checks the conformity between the payment from the wholesaler and the sales receivable from the intermediary in the server system for payment agent,
The payment processing means provided in the payment agent server system is a payment adaptation / non-conformity means. If the payment is appropriate, the payment agent server system is used for payment to the manufacturer. If the payable debt processing means provided in the server system does not comply with the payment, the payable debt processing means for purchasing the payable debt to the intermediary in the payment agent server system,
A program for causing a means included in a terminal for a maker, a terminal for a wholesaler, a terminal provided in a server system for a middleman, and a terminal provided in a server system for a payment agent to function as an electronic commerce system for executing each processing means. A server system for a broker and a payment agency that are connected to a plurality of member-based manufacturer terminals and wholesaler terminals, and to the plurality of member-based manufacturer terminals and wholesaler terminals through a closed membership system. In an electronic commerce system for conducting business transactions between the maker terminal and the wholesaler terminal using a server system for
A user authentication means for requesting authentication of membership from a manufacturer terminal to the intermediary server system;
A product information registration requesting means for requesting registration of product information on a product to be traded from the manufacturer terminal to the broker server system;
A delivery note transmitting means for sending a notification of delivery of the ordered product as a delivery note from the maker terminal to the intermediary server system,
A manufacturer terminal having
User authentication means for requesting authentication of membership from the wholesaler terminal to the broker server system;
A purchase condition information registration requesting means for requesting registration of purchase condition information relating to a desired product from the wholesaler terminal to the intermediary server system;
Transmitting means for transmitting order data to the intermediary server system;
A terminal for a wholesaler having
Checking means for checking the ID and password of the user ID and password transmitted from the terminal for the manufacturer and the terminal for the wholesaler;
Transmitting means for transmitting the check result to the manufacturer terminal and the wholesaler terminal by the user authentication result notifying means,
Error checking means for checking the product information transmitted from the manufacturer terminal,
A transmission unit that transmits error information to the manufacturer terminal when there is an error,
A storage unit that stores the product information transmitted to the intermediary server system in the product information database by the storage unit when there is no error by the error checking unit;
Notification means for notifying the maker terminal of product information registration by the registration notification means;
Error checking means for checking the purchase condition information transmitted from the wholesaler terminal;
A transmitting unit for transmitting error information to the wholesaler terminal when there is an error by the error checking unit;
When there is no error by the error checking means, a search means for searching for a condition applicable product in the broker system server system,
A search result notifying means for notifying the search result to the wholesaler terminal;
Purchase information transmitting means for transmitting from the intermediary server system to the terminal for the manufacturer of the purchase destination;
An intermediary server system having
Transaction conformity / non-conformity means for checking conformity between the payment from the wholesaler and the receivables from the intermediary,
Payment processing means for paying to the maker by the payment agent server system if the transaction is suitable,
An account payable processing means for purchasing the account payable to the intermediary in the payment agent server system if the transaction is inconsistent;
A payment agent server system having
An electronic commerce system comprising: A server system for a broker and a payment agency that are connected to a plurality of member-based manufacturer terminals and wholesaler terminals, and to the plurality of member-based manufacturer terminals and wholesaler terminals through a closed membership system. In an electronic commerce method for conducting a business transaction between the manufacturer terminal and the wholesaler terminal using a server system for
The manufacturer who is a member operates the manufacturer terminal,
A user authentication step of requesting authentication of membership from the manufacturer terminal to the intermediary server system;
The wholesaler who is a member operates the wholesaler terminal,
A user authentication stage in which the wholesaler terminal requests authentication of membership to the intermediary server system,
The intermediary operates a terminal provided in the intermediary server system,
Checking the user ID and password transmitted from the terminal for the manufacturer and the terminal for the wholesaler in the ID / password check step,
A user authentication result notification step of transmitting the check result to the manufacturer terminal and the wholesaler terminal,
The manufacturer operates the manufacturer terminal,
A product information registration requesting step of requesting registration of product information on a product to be traded from the maker terminal to the broker server system,
The intermediary operates a terminal provided in the intermediary server system,
An error check step of product information registration for checking product information requested for registration from the manufacturer terminal,
In the error checking step, if there is an error, a transmitting step of transmitting the error information to the maker terminal, or if there is no error, the product information transmitted to the intermediary server system is stored in the product information database. A product information storing step of storing, and a product information registration notifying step of notifying the maker terminal of the product information registration,
The wholesaler operates the wholesaler terminal,
A purchase condition information registration requesting step of requesting registration of purchase condition information on a desired product from the wholesaler terminal to the intermediary server system;
The intermediary operates a terminal provided in the intermediary server system,
An error check stage of the purchase condition information of the product information for which registration has been requested,
In the error checking step, when there is an error, a transmitting step of transmitting error information to the wholesaler terminal, or, when there is no error, a searching step of searching for a condition applicable product in the intermediary server system, And a search result notification step of notifying the search result to the wholesaler terminal;
The wholesaler operates the wholesaler terminal,
An order form transmitting step of transmitting an order for a product conforming to the search result notification as a purchase order from the wholesaler terminal to the intermediary server system,
The intermediary operates a terminal provided in the intermediary server system,
A purchase information transmitting step of transmitting the purchase information to a terminal for a manufacturer of the purchase destination;
The manufacturer operates the manufacturer terminal,
A delivery note sending step of sending a notification of delivery of the ordered product as a delivery note from the manufacturer terminal to the intermediary server system,
The payment agent operates a terminal provided in the payment agent server system,
A transaction conformity / non-conformity stage in which the payment from the wholesaler and the receivables from the intermediary are checked by the payment agent server system,
The payment agent operates a terminal provided in the payment agent server system,
In the transaction conformity / non-conformity stage, if the transaction conforms, proceed to the payment processing stage in which payment is made to the maker by the payment agent server system, or if the transaction does not conform, the payable debt is transmitted to the intermediary in the payment agency server system. Payable debt processing stage,
An electronic commerce method for executing each processing stage by operating a terminal for a maker, a terminal for a wholesaler, a terminal provided in a server system for a middleman, and a terminal provided in a server system for a payment agent. Computer
A server system for a broker and a payment agency that are connected to a plurality of member-based manufacturer terminals and wholesaler terminals, and to the plurality of member-based manufacturer terminals and wholesaler terminals through a closed membership system. In an electronic commerce system for conducting business transactions between the maker terminal and the wholesaler terminal using a server system for
The manufacturer who is a member operates the manufacturer terminal,
A user authentication means for requesting authentication of membership from a manufacturer terminal to the intermediary server system;
The wholesaler who is a member operates the wholesaler terminal,
User authentication means for requesting authentication of membership from the wholesaler terminal to the broker server system;
The intermediary operates a terminal provided in the intermediary server system,
Means for checking the user ID and password transmitted from the terminal for the manufacturer and the terminal for the wholesaler,
A user authentication result notifying means for transmitting the check result to the manufacturer terminal and the wholesaler terminal,
The manufacturer operates the manufacturer terminal,
Product information registration requesting means for requesting registration of the product information on the product to be traded from the manufacturer terminal to the intermediary server system;
The intermediary operates a terminal provided in the intermediary server system,
A product information registration error checking means for checking product information requested to be registered by the manufacturer terminal;
In the error check stage, when there is an error, the transmission means for transmitting the error information to the manufacturer terminal, or when there is no error, the product information transmitted to the intermediary server system is stored in the product information database. Product information storage means for storing, and product information registration notifying means for notifying the maker terminal of product information registration,
The wholesaler operates the wholesaler terminal,
Purchase condition information registration requesting means for requesting registration of purchase condition information relating to a desired product from the wholesaler terminal to the broker server system,
The intermediary operates a terminal provided in the intermediary server system,
Error checking means for the purchase condition information of the product information requested for registration,
At the error check stage, when there is an error, a transmitting means for transmitting error information to the wholesaler terminal, or, when there is no error, a search means for searching for a condition applicable product in the intermediary server system, A search result notifying means for notifying the search result to the wholesaler terminal;
The wholesaler operates the wholesaler terminal,
An order form transmitting means for transmitting an order for a product conforming to the notification of the search result as an order form from the wholesaler terminal to the intermediary server system,
The intermediary operates a terminal provided in the intermediary server system,
A purchase information transmitting means for transmitting the purchase information to the terminal for the manufacturer of the purchase;
The manufacturer operates the manufacturer terminal,
A delivery note transmitting means for sending a notification of delivery of the ordered product as a delivery note from the maker terminal to the intermediary server system,
The payment agent operates a terminal provided in the payment agent server system,
Transaction conformance / non-conformity means for checking the conformity between the payment from the wholesaler and the receivables from the intermediary in the server system for the payment agency,
The payment agent operates a terminal provided in the payment agent server system,
At the transaction conformity / non-conformity stage, if the transaction conforms, the payment agent to the maker at the payment agent server system, or if the transaction does not conform, the account payable to the intermediary at the payment agent server system. Accounts payable processing means to be purchased,
A program for operating a terminal for a maker, a terminal for a wholesaler, a terminal provided for a server system for an intermediary agent, and a terminal provided for a server system for a payment agent, so as to function as an electronic commerce system for executing each processing means. .

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