JP2004192438A - Use limit setting method, use limit setting system, computer program and program storage medium in net auction - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a method for setting a use limit which is fair to participants in a net auction. <P>SOLUTION: This use limit setting method is executed by a computer system associated with an auction system managing a closed-membership auction site. This method includes a step for specifying an exhibitor of the auction, a step for accessing a database storing and managing evaluation scores provided by both the exhibitor and a successful bidder to each other and acquiring the past total evaluation scores of the exhibitor, a step for accessing a database managing reception history of successful bidding price for every member and acquiring the total amount of the successful bidding price received by the exhibitor for a predetermined past period, a step for setting a limit amount of money of which each member can receive in auctions for a predetermined period according to the total evaluation scores, and a step for notifying the auction system of the fact that the received total amount of the exhibitor exceeds the receiving limit amount when the situation happens. <P>COPYRIGHT: (C)2004,JPO&NCIPI

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a net auction usage limit setting method for setting a usage limit according to a past transaction history of an auction participant by a computer system that cooperates with an auction system for holding an online auction.
[0002]
[Prior art]
On the Internet, there is a Web site (hereinafter referred to as an auction site) that holds a service called an online auction that can be used for auction-related exhibitions and bidding procedures using a Web page as a medium (see, for example, Non-Patent Document 1). . The auction site is held by a computer system (hereinafter referred to as an auction system) including a computer and a database linked to the WWW server. This system provides a user interface based on a Web page to a computer (user computer) of an auction participant, and accepts listings and bids in an auction through this Web page. Also, personal information related to auction participants is managed, and if a successful bid auction item occurs, the fact is notified to the exhibitor and successful bidder who are the parties to the transaction, and subsequent successful bid price transfer between the parties can be performed smoothly. To mediate.
[0003]
A business model using an auction system is to collect a part of the winning bid price from an exhibitor or a winning bidder as a system usage fee as a price for providing an auction site. Of course, advertisements posted on the Web page of the auction site are also a big source of income. Therefore, in order to make the auction site successful as a business, it is important to recruit more participants and expand the transaction scale.
[0004]
However, there are many possibilities that some problems will occur in the auction, such as the successful bid price and goods not reaching the other party correctly. Some have participated in auctions for the purpose of fraud from the beginning. If the number of such defective participants increases, the reliability of the auction site decreases, resulting in a decrease in the number of participants who want to participate. Therefore, the auction organizer identifies each participant with a unique member ID as a qualification to participate in the auction, and stores and manages personal information that can identify an individual in association with the member ID in the database. The identity of participants who have accessed with their member IDs is checked in a timely manner. The auctioneer collects a predetermined fee from the member for the identity verification procedure. Therefore, unlike the contact information such as the credit card number and the account number in the personal information, the credibility of the personal information is enhanced by including information that is difficult to apply falsely. When a problem occurs, a warning message is sent to the identified individual, or some penalty is imposed on the person concerned.
[0005]
Further, when an auction transaction is established, the exhibitor and the successful bidder each evaluate the other party's transaction attitude, and the evaluation information is also managed by the auction system. When the transaction is completed, the auction system guides the party to a Web page for having the other party give an evaluation to the other party, and inputs and returns evaluation information for the other party on the Web page. The evaluation information includes comments corresponding to the opinions of the parties and evaluations that are selected from previously prepared options such as “very good”, “good”, “normal”, “bad”, and “very bad”. The auction system stores and manages the comment text and the predetermined score corresponding to the selected evaluation in association with the corresponding member ID in the database. Evaluation information on all members is disclosed on the auction site so that all the auction participants can understand who has received what evaluation in the past. Participants in the auction look at the contents of the evaluation to determine whether the transaction partner is a trustworthy person (company / store). If the evaluation contents are bad, they can refrain from bidding or reject the transaction. Self-defense against troubles. As a result, bad auction participants will be deceived naturally.
[0006]
[Non-Patent Document 1]
Yahoo Japan Corporation, "Yahoo! Auction Help Glossary", [online],
[Search October 31, 2002], Internet
<URL: http://help.yahoo.co.jp/help/jp/auct/aglos/index.html>
[0007]
[Problems to be solved by the invention]
However, since the auction system provides a mechanism for participating in an auction with a member ID, the member ID can be changed to impersonate a new participant at any time. That is, if a member with a poor evaluation pretends to be a new participant and participates in the auction again, the reliability of the auction site is not easily improved. In addition, even if a member is a good member, if the bad evaluation is given due to the prejudice on the side of the evaluation, the good member will not be able to participate in the auction in the future, leading to a stagnation or decrease in the number of auctions or the number of members. As a result, it becomes difficult to establish a business model by an auction system.
[0008]
[Means for Solving the Problems]
The present inventors were given an evaluation that they had a lot of achievements and were generally likable when paying attention to the transaction results in the auction, that is, the number of transactions and the amount actually received by the transaction. Participants thought that even if there was an exceptionally bad deal, the participant could be judged good. For better participants, relax the usage restrictions and give them more trading opportunities. For less experienced participants, limit the trading to some extent and loosen the usage restrictions when the results are accumulated. For example, the number of naturally excellent participants increased, and we thought that a more reliable auction site could be constructed.
[0009]
The present invention was created based on the above consideration, and aims to provide a method for setting usage restrictions that are fair and convincing for many participants while referring to the results of auction transactions. .
[0010]
In order to achieve this object, the present invention identifies a seller of an auction when a computer system linked with an auction system that manages a member-based auction site on the Internet wins a certain auction. The seller accesses the evaluation information database that stores and manages the evaluation score that both the seller and the successful bidder of the auction gave to the other party the evaluation score assigned to the partner by the multiple choice method. A step of obtaining a total score of evaluation scores assigned in the past, and a receipt information database for managing each member's receipt history of successful bid prices received by auction transactions. Acquiring the total amount of successful bids received in between, and depending on the total evaluation score for each member A limit setting step for setting a limit amount that can be received by auction within a predetermined period, and a step of notifying the auction system in a timely manner when the total amount received by a seller exceeds a limit amount in a certain auction item This is a usage restriction setting method in the net auction executed by executing the above.
[0011]
Further, in the limit amount setting step, the limit amount may be set according to the breakdown of the evaluation score together with the evaluation total score, and for a certain auction item for which a successful bid is made, A limit may be set for an amount obtained by adding the total amount received by the seller so far.
[0012]
In addition, when a successful bid price exceeds a predetermined amount with respect to a certain auction item for which a successful bid is made, a usage restriction setting method in a net auction including a step of notifying the fact to the auction system may be used.
[0013]
The present invention also extends to a use restriction setting system that is configured by a computer system and works in conjunction with an auction system that implements the use restriction setting method described above. Further, a computer program that causes the computer to function as the use restriction setting system by being installed in a computer and executed, and a computer-readable program storage medium that records the computer program are also included in the scope of the present invention.
[0014]
DETAILED DESCRIPTION OF THE INVENTION
=== Overview of network configuration and usage restriction function ===
FIG. 1 shows a schematic configuration diagram of a network to which the usage restriction setting method of the present invention is applied. A user computer 21 used by auction participants and an auction system 10 for holding a net auction are connected to the Internet 20. The auction system 10 is held by a WWW server 12 for publishing an auction site, a personal information database 13 for accumulating and managing various information for managing personal information about a large number of members who are eligible to participate in the auction, and an auction site. The auction database 15 stores and manages various information about all auctions, and includes a mail server 14 for transmitting various notifications to members by e-mail. Auction participants access the auction site via the Internet 20 by means of a user computer 21 equipped with a browser and electronic mail transmission / reception software. In the auction site, an auction is held through various Web pages provided by the WWW server 12 while guiding the exhibition procedure and mediating the transaction between the exhibitor and the bidder.
[0015]
The auction system 10 is constructed on an intranet 11 managed and operated by an auction organizer. The intranet is connected to a settlement system 1 that provides a successful bid price settlement service (hereinafter referred to as a settlement service) that mediates settlement between a successful bidder and an exhibitor of a successful bid auction item. In this payment service, a payment broker who manages and manages the payment system 1 pays the successful bid price to the seller on behalf of the successful bidder, and the credit card company pays the successful bid price by credit card payment from the winning bidder's account. If it is withdrawn at a later date, it will be provided according to the flow of transferring the money to the account of the settlement broker. Therefore, the successful bidder can pay the successful bid price by credit card settlement, and the exhibitor has the advantage that the successful bid price is transferred to his / her receiving account within a short time after the successful bid.
[0016]
The payment system 1 is connected to an online credit inquiry system of a credit card company via a communication line such as an OBN (Open Business Network) 40 in order to provide the above payment service, and the credit card owned by the successful bidder And a function to make a credit inquiry about the successful bid price settlement with the card. If the auction system 10 makes a successful bid for the auctioned item, the winning bidder's credit card can be used even if the winning bidder pays the winning bid to the seller even if it is an auction transaction between individuals. It provides a mechanism that can be used for settlement. In this embodiment, the payment intermediary does not individually contract with a plurality of credit card companies. That is, the credit inquiry with each credit company according to the credit card of the winning bidder is not adopted. Instead, the credit card companies are requested to make credit inquiries in a lump sum to an online credit inquiry system (hereinafter referred to as an inquiry window system) 41 of a window organization that individually contracts with a plurality of credit card companies. In this embodiment, an inquiry window system called e-SCOTT (registered trademark) is used.
[0017]
The inquiry window system 41 has an authority to access the card user database 42 in each credit card company, and this database stores the personal information about the card user and the usage status of the credit card for each credit card number. Are stored and managed. The inquiry window system 41 inquires the card user database 42 of the corresponding credit card company for the credit card settlement case requested for credit inquiry from the settlement system 1 and settles credit permission information for settlement. Return to system 1. In addition, in the credit inquiry through the inquiry window system 41, as information to be inquired to the card user database (card settlement information), in addition to the credit card number and the expiration date of the card, a predetermined individual who can identify the owner of the card Information (birth date, name, phone number, etc.) is also referred to the credit card company.
[0018]
The payment system 1 is connected to an electronic banking (EB) system 31 of a financial institution via a communication line such as ISDN 30 so that the payment broker can exchange the successful bid price to the exhibitor. A function to perform data communication is provided. As is well known, the EB system 31 connects a host computer of a financial institution and a computer for accounting business on the customer side such as a company through a communication line, and various banking services provided to the customer by the financial institution such as account transfer. The service related to can be done online. In this embodiment, communication is performed with the EB system 31 of the financial institution according to the JBA TCP / IP procedure. Then, the EB system 31 is requested to transfer the successful bid price from the predetermined account of the settlement broker to the receiving account designated by the exhibitor.
[0019]
In the above network configuration, the payment system 1 has a use restriction function for setting a restriction on the use of the payment service based on the method of the present embodiment in the process of providing the payment service. A limit is set on the amount received when using the present settlement service based on the past evaluation results and transaction results of the person, and it is determined whether to use the settlement service based on the setting. The auction system notifies the successful bidder and the seller of the set restrictions and determination results.
[0020]
=== Personal information ===
In this embodiment, a user who wants to actually participate in an auction such as listing or bidding has a member ID unique as a member, a password for logging in to the auction system 10, and information that can identify the member himself / herself. 13 is to be registered. In addition, the auction system 10 performs timely confirmation of the identity of the participant who has accessed the member ID in the auction transaction. In addition, since the auctioneer collects a fee (identity verification fee) from the member for this identity verification procedure, various information related to the collection of the fee is also registered in the personal information database 13. In this embodiment, the credit card used for the settlement of the successful bid price by the settlement service can also be used for the payment of this identity verification fee. For members who wish to make a credit card settlement, the credit card number required for the settlement, the expiration date It is assumed that card payment information such as is registered.
[0021]
The auction system 10 identifies all auction items held by itself by an auction ID, and stores and manages in the auction database 15 information regarding the progress of each auction and information regarding exhibition / bid / successful bid / settlement. Then, the auction database 15 is updated at any time while associating the member ID of the exhibitor, the exhibited product, the member ID of the bidder, the bid amount, and the like. In addition, when participating in an auction as an exhibitor, information on an account for receiving a successful bid price (in this example, financial institution name, store name, name, account type, account number: hereinafter, receiving account information) is financial. Since the EB system 31 of the institution is requested to transfer to the account, it is managed by at least the database (hereinafter referred to as the receipt information database) 2 on the settlement system 1 side. The personal information database 13 may also manage the receipt account information.
In any case, as long as each information is managed so that both the auction system 10 and the payment system 1 can access the required information, the form and configuration of the database may be any. That is, the various databases described above may belong to either system, and what kind of hardware configuration is available as long as the auction system 10 and the payment system 1 can acquire specific information associated with the member ID. It may be. Each information may be collectively managed by one database, or predetermined information may be distributed and managed by a plurality of databases.
[0022]
=== Evaluation information ===
The auction is held and the bidding process and the bidding process are the same as those of the conventional auction system. When a new auction ID is registered in the auction database 15, the auction system 10 recruits bidders by presenting bid exhibition products and bid deadlines on a Web page, and the bidder receives a bid amount through the Web page. The auction database 15 is updated at any time while associating the corresponding auction ID with the ID of the member and the bid amount. Further, the auction database 15 is referred to as needed, and the bid amount is reflected in real time on the Web page serving as each auction site. Then, when the deadline expires, the member who presented the highest bid amount is recognized as a successful bidder. Of course, there are various rules for making a successful bid decision without waiting for expiration of the deadline, such as when the bidder presents the desired successful bid amount presented by the exhibitor as a bid amount.
[0023]
In any case, when a successful bid is determined, the auction ID is stored in the auction database 15 in association with the corresponding auction ID, the member ID of the exhibitor and the successful bidder, and the bid price. If there is an auction item for which a successful bid is made in the auction database 15, the e-mail address of the successful bidder and the exhibitor is obtained from the personal information database 13, and a successful bid notification describing the contents of the auction and the successful bid price is given to both. Send by email.
[0024]
In addition, the auction system 10 has a function for allowing a party to evaluate the other party's transaction attitude when the auction is successful. The structure of the auction site is designed so that when an auction transaction is completed, it is guided to a web page for notification of the evaluation. In the web page that has been guided, the function to have the evaluation at multiple stages such as "very good""good""normal""bad""verybad" It includes a comment field for reviewing transaction details. When the transaction party returns information about the evaluations input on the Web page by the user computer 21 to the auction system 10, the auction system 10 associates the evaluation information with the member ID of the party and personal information database. 13 or auction database 15 or the like.
[0025]
For the stage evaluation, for example, “very good” is +2 points, and then converted into +1 point, ± 0 points, −1 point, −2 points in the order of “good”, “normal”, etc., and stored in the database. To do. The evaluation information may be stored in the receipt information database 2 on the settlement system 1 side. When the evaluation information is newly sent, the database is updated by adding or subtracting the new score to the score associated with the corresponding member ID. In addition, the comment sent together with the stage evaluation is added to the corresponding member ID. Of course, in the database, for each auction item, the transaction contents of the auction itself such as the exhibited product, the winning bid amount, and the member IDs of both parties are associated with each other. Accordingly, it is possible to confirm on the Web page who has made what kind of transaction in the past or who has left what kind of comment in what auction item and what kind of evaluation has been made.
[0026]
=== Received history ===
In the settlement service of this embodiment, the amount of reimbursement for each member within a predetermined period is limited. Therefore, the settlement system 1 stores and manages the price receipt history in the receipt information database 2 for members who have received successful bid prices as exhibitors in the past. This history is recorded in the receipt information database 2 whether or not the settlement service is used.
[0027]
=== Outline of usage restriction setting function ===
The usage restriction setting function in the payment system 1 is that when a seller receives a successful bid price by a payment service for a successful auction item, the cumulative evaluation score given by the past auction transaction and the corresponding for the past month The upper limit of the total amount that can be received in one month is set with reference to the member's payment receipt history. Then, the payment of the successful bid price by the settlement service is permitted on condition that the amount is within the set amount. In this example, while the amount received in the past month is limited to 300,000 yen / month or less in principle, the limit can be relaxed to 1 million yen according to the past cumulative evaluation score and the breakdown of the score. ing.
[0028]
=== Flow of payment service and usage restriction setting function ===
When a certain auction is won, the winning bidder can pay for the winning bid with a credit card using a payment service provided by the payment system 1. This service cannot be enjoyed unconditionally by all auction participants, and is provided only to participants who do not fall under the usage restriction target by the usage restriction function in the payment system 1. FIG. 2 shows a flowchart of a process for providing a settlement service.
[0029]
In the successful bid notification sent to the successful bidder, a URL unique to the successful bid auction item is described. In the auction system 10, the browser of the successful bidder user computer (successful bidder computer) 21a designates this URL. When accessed, a Web page (settlement guide page) on which detailed information about the successful auction and explanations of some settlement methods selectable by the successful bidder are transmitted to the successful bidder computer (s1). , S2). FIG. 3 shows a schematic diagram of this settlement guidance page. Also, FIGS. 4A to 4D show the payment service providing process by screen transition diagrams displayed on the browser of the successful bidder computer 21a.
[0030]
When the successful bidder designates a payment service on the payment guide page (s3), the auction system 10 functions as a user interface that mediates data communication between the payment system 1 and the successful bidder computer 21a through the Web page. That is, various instructions relating to the payment service are received from the successful bidder computer 21a, the instructions and predetermined data based on the instructions are transferred to the payment system 1 as needed, and the results of various data processing in the payment system 1 are received. A Web page reflecting the result is returned to the successful bidder computer 21a.
[0031]
Upon receiving the payment service usage instruction, the auction system 10 sends the exhibitor's member ID and the cumulative evaluation score so far to the payment system 1 (s4). First, it is determined whether or not the exhibitor can receive the successful bid price by the settlement service (s100). Then, the determination result is returned to the auction system (s5). FIG. 5 shows a flowchart of processing related to the use restriction function (s100) at this time. Here, for the corresponding member, the amount received in the past month and the cumulative evaluation score are acquired. If the cumulative evaluation score is 50 points or less, the maximum usage amount is set at 300,000 yen and the monthly total receipt amount is 300,000 yen. If it is below, the auction system 10 is notified that the usage limit is 300,000 yen (s101 → s103 → s5b). Even if the cumulative evaluation score is 51 points or more, if the usage upper limit is not set to 1 million yen, the auction system 10 is also notified that the usage upper limit is 300,000 yen (s101 → s102). → s104 → s5c).
[0032]
If the seller has a cumulative evaluation score of 51 points or more and the maximum usage amount is set to 1 million yen in advance based on the prescribed conditions, the usage limit amount is less than 1 million yen per month. Is notified to the auction system 10 (s101 → s102 → s104 → s105 → s5e). If the total monthly receipt is greater than the cumulative evaluation score or the usage limit according to a predetermined condition, the auction system 10 is notified that the payment service cannot be used (s103 → s5a or s105 → s5d). The condition for setting the upper limit to 1 million yen will be described later.
[0033]
When the auction system 10 is notified that the payment service cannot be used, the auction system 10 transmits a Web page of an error screen to the successful bidder computer 21a to notify that the payment service cannot be used (s6 → s7). If it is available, the auction system 10 refers to the personal information database 13 for the member ID of the winning bidder and confirms whether or not the card settlement information of the winning bidder is registered (s9, s10). If registered, a function for inquiring whether to pay with the corresponding credit card or other credit card, an input field for card payment information for other credit cards, A Web page (settlement application page: FIG. 7A) including a remittance amount input field obtained by adding incidental expenses (such as shipping fee) to the winning bid amount is transmitted to the winning bidder computer 21a (s10 → s12). If the successful bidder returns the payment amount and the registration information in the personal information database 13 through this payment application page and returns the card payment information related to the other credit card entered in the specified field on this page, A remittance amount and card settlement information are acquired (s13, s14 → s17). When using the registration information, the remittance amount is acquired (s13, s14 → s15, s16).
[0034]
For members whose credit card numbers are not registered in the personal information database 13 or for new auction participants whose information relating to the payment of identity verification fees is not registered, an entry field for remittance amount and card settlement information is included. The payment application page (FIG. 7B) is transmitted (s10 → s11). Then, the information inputted and returned on this page is acquired (s17, s18).
[0035]
Next, when receiving the card payment information from the successful bidder computer 21a, the auction system 10 transfers the remittance amount and the member ID of the exhibitor to the payment system 1 (s19). The payment system 1 again executes the process (s200) related to the use restriction function, and makes a determination based on the remittance amount paid by the successful bidder by credit card settlement, and the total amount received by the exhibitor in the past month is included in this remittance amount. Whether or not usage restriction is possible is determined in two stages of determination based on the added amount. FIG. 6 shows a flowchart of processing related to the use restriction function (s200). If the transferred remittance amount is more than 300,000 yen, the settlement system 1 notifies the auction system 10 that the use of the settlement service is not permitted (s201 → s20a). If it is less than 300,000 yen, calculate the sum of the total amount received by the seller in the past month plus the amount of remittance (the amount received by the seller), and if that amount has not reached the specified limit, The auction system 10 is notified that the payment service can be used (s202 → s204 → s20c, or s202 → s203, s205 → s20e). If the limit has been reached, a notification that it cannot be used is sent (s204 → s20b or s205 → s20d). In this case as well, depending on the cumulative evaluation score of the seller, if the seller's usage limit is 300,000 yen or less, the upper limit of the amount when the current remittance amount is added is 330,000. Yen or less. When the number is 51 points or more, that is, when the usage limit is 1,000,000 yen or less, the upper limit of the total sum is set to 1,050,000 yen or less. If the payment service can be used, the usage fee is calculated at a predetermined ratio with respect to the remittance amount (s206), and the amount of the fee is also notified to the auction system 10. Yes.
[0036]
When the auction system 10 receives the notice that the use is not permitted, the auction system 10 transmits a Web page describing that the payment service cannot be used to the successful bidder computer 21a and guides the use of another payment method (s21 → s22).
[0037]
When the notice of permission is received, the payment service usage fee calculated by the payment system 1 is added to the remittance amount acquired from the successful bidder computer 21a first, and this is used as the total payment amount of the successful bidder. The total payment amount is presented to the winning bidder, and a Web page (payment confirmation page: FIG. 4C) for asking whether or not to agree to the payment is transmitted to the winning bidder computer 21a (s21 → s24). ). Then, when the successful bidder instructs to agree to the payment on the payment confirmation page and the instruction information is sent from the successful bidder computer 21a, the payment system obtains the previously acquired card payment information and the total payment amount. 1 (s25, ss26 → s29).
[0038]
The payment system 1 gives the inquiry counter system 41 the card payment information sent by the auction system 10 and the total payment amount and makes a credit inquiry. As a result of the credit inquiry returned from the inquiry window system 41, when the credit is returned, it is checked whether the seller's receipt account is registered in the receipt information database 2. Then, the settlement ID for specifying the settlement, the credit information, and the survey result on the receiving account are returned to the auction system 10 and the content information relating to the credit card settlement is stored in the settlement information database 3. (S30 to s32 → s34, s35). If credit is not obtained, the fact is returned to the auction system 10 (s32 → s33).
[0039]
In addition, when the credit of the successful bidder is obtained and the credit card settlement is actually executed, the seller receives the amount received by the current credit card settlement in addition to the total monthly receipts so far. When the total amount received after the addition reaches the limit of use corresponding to the previous cumulative evaluation score, no more successful bids can be received this month. The settlement system 1 still executes the process (s300) using the use restriction function at this point, and the seller who has exceeded the total monthly receipt due to the current auction transaction cannot receive any more successful bids this month. Is notified to the auction system 10.
[0040]
FIG. 7 shows a flowchart of processing related to the use restriction function. When the total amount received after the addition reaches the limit amount, it notifies the auction system 10 (s301 → s303 → s36a, or s301 → s302, s305 → s36b), and the auction system 10 makes a successful bid for this month. For the price, an e-mail (notification of use limit arrival) stating that it cannot be received using the settlement system 1 is sent to the e-mail address of the exhibitor (s45 → s46).
[0041]
Further, as described above, if the cumulative evaluation score is 51 points or more, the upper limit of use is not set at 1 million yen. Members whose monthly receipts are set at an upper limit of 1 million yen must meet predetermined screening criteria in advance. In this example, if the past cumulative evaluation score is 51 points or more, and the percentage evaluated as bad in the evaluation history is less than 5%, the monthly receipt limit of the member is 1 million yen. It is said. For the corresponding member, the auction system 10 is notified to the effect that the upper limit can be set to 1 million (s303 → s304, s306 → s36d), and upon receiving this notification, the auction system 10 sets the upper limit to 1 million. An e-mail (notification of increase in the usage limit) is sent to this member that informs them that it is possible to do so and, if desired, a procedure method for setting the upper limit to 1 million yen (s48 → s49).
[0042]
Note that the auction system 10 may return a web page (settlement completion) including a settlement ID and a description that the credit card settlement has been completed, if credit information is returned to the successful bidder's credit card settlement. Page: FIG. 4 (D)) is transmitted to the successful bidder computer 21a. At the same time, both the successful bidder and the seller are notified of the settlement ID and settlement completion by e-mail (s37 → s40, s41, s42 → s44). If credit is obtained but the seller's receipt account is not yet registered, the contents of urge to register the receipt account in the settlement completion e-mail to be sent to the seller are described ( s42 → s43).
[0043]
If credit is not obtained, in this embodiment, the payment service application page is retransmitted, and the card payment information of another credit card is re-input, and the process proceeds to a loop process in which credit inquiry is performed in the same manner as described above. (S37 → s38, s39). of course. An upper limit may be set for the number of loops, and when the number is exceeded, an error screen may be sent to stop subsequent processing. Of course, a web page describing that credit could not be obtained may be sent to the successful bidder computer 21a to guide the user to select another settlement method.
[0044]
The settlement system 1 periodically accesses the settlement information database 3 such as on a regular basis every day, and acquires the remittance amount and the exhibitor's receiving account information for the auction item for which the acceptance of the credit card settlement has been completed. And it connects to the EB system 42 of a suitable financial institution, and requests the account transfer of the remittance amount. Also, when receiving information from the EB system 31 that the corresponding remittance processing has been performed, the successful bidder records the amount corresponding to the remittance amount for the seller as sales to the counter agency and settles that effect. Store in the information database 3.
[0045]
In the case where the settlement system 1 has a settlement broker's account in the financial institution where the recipient's account is located, the settlement system 1 requests the account transfer to the EB system 31 of the financial institution as much as possible. Saving. In addition, even if there is no account in the same financial institution, the EB system 31 that requests account transfer is determined as appropriate so that account transfer is performed through a route with a lower fee, such as between city banks and between regional banks.
[0046]
=== Applicability of usage restriction setting function ===
In the above embodiment, the use restriction setting method of the present invention is applied to the settlement service, and the use of the settlement service is restricted when the total amount received by the exhibitor exceeds the receipt limit. Not limited to this example, for example, when the total receipt amount of the exhibitor exceeds the receipt limit amount, a service subject to restriction such as not allowing the auction transaction or participation in the month can be set as appropriate. Of course, the criteria such as the cumulative evaluation score and the total amount received when setting usage restrictions can be set as appropriate.
[0047]
【The invention's effect】
According to the use restriction setting method in the net auction of the present invention, the use restriction related to the auction is set based on the actual performance of the auction transaction and the evaluation made by the transaction party against the other party at the time of the transaction. As a result, excellent auction participants can actively use it, and a more reliable auction site can be constructed.
[Brief description of the drawings]
FIG. 1 is a network configuration diagram to which a usage restriction setting method according to an embodiment of the present invention is applied.
FIG. 2 is a flowchart of processing related to a payment service provided by a payment system constituting the network.
FIG. 3 is a schematic screen view of a Web page that accepts an application for using the payment service.
FIG. 4 is a transition diagram of screens displayed on a user computer in the process of providing the settlement service.
FIG. 5 is a flowchart of processing related to a use restriction setting function in the payment system.
FIG. 6 is a flowchart of processing related to a use restriction setting function in the payment system.
FIG. 7 is a flowchart of processing related to a use restriction setting function in the payment system.
[Explanation of symbols]
1 Settlement system
2 Receipt information database
3 Settlement information database
10 Auction system
13 Personal information database
15 Auction database
31 Electronic banking system
41 Inquiry window system

Claims (7)

A computer system linked to an auction system that manages membership auction sites on the Internet,
Identifying an auction seller when an auction is won,
Access both the auction seller and successful bidder to the evaluation information database that stores and manages the evaluation score assigned to the other party by using the multiple choice method, and the seller assigns it in the past. Obtaining a total score of the obtained evaluation scores;
Accessing the receipt information database that manages the receipt history of the successful bid price received by the auction transaction for each member, and obtaining the total received price of the successful bid price received by the seller from the present to the past predetermined period;
For each member, a limit setting step for setting a limit that can be received by the auction within a predetermined period according to the evaluation total score,
In a certain auction item, when the total amount received by the seller exceeds the maximum receipt amount, a step to notify the auction system to that effect in a timely manner;
The use restriction setting method in the net auction characterized by executing. 2. The usage limit setting method in an Internet auction according to claim 1, wherein, in the limit amount setting step, a limit amount is set according to a breakdown of the evaluation score together with the evaluation total score. In claim 1, in the limit setting step, for a certain auction item for which a successful bid has been made, a limit is also set for the sum of the successful bid price received by the seller by the successful bid and the total amount received by the seller so far. A use restriction setting method in an online auction characterized by setting. The network according to any one of claims 1 to 3, further comprising a step of notifying the auction system of a successful bid price when a successful bid price exceeds a predetermined amount. Usage restriction setting method in auction. A use restriction setting system linked to an auction system, which is configured by a computer system and implements the use restriction setting method according to claim 1. A computer program that, when installed on a computer and executed, causes the computer to function as the use restriction setting system according to claim 5. A computer-readable program storage medium in which the computer program according to claim 6 is recorded.

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