JP2020144925A - Escrow settlement system for electronic money and escrow settlement method for electronic money - Google Patents

Abstract

To provide an escrow settlement system for electronic money and an escrow settlement method for electronic money which can increase the convenience of electronic money in the escrow settlement.SOLUTION: In an escrow settlement system for electronic money, an escrow service server 1 comprises: a transaction information acquisition unit 11 which obtains transaction information 101 by making sales information 103 correspond to purchase information 102; a price reception processing unit 12 which notifies a seller of the completion of the payment from a purchaser 20 to the first account 41 for the first electronic money being the same type as the payment of the purchaser 20; and a price delivery processing unit 14 which sends the second electronic money in the amount corresponding to the payment equivalent of the first electronic money to the seller 30 from the second account 61 for the second electronic money of the escrow service server 1 in response to the reception of the product reception notification from the purchaser 20, and notifies the seller of the remittance completion.SELECTED DRAWING: Figure 2

Description

The present disclosure relates to an escrow payment system for electronic money that enables escrow payment by electronic money in transactions, and an escrow payment method for electronic money.

With the spread of communication terminals connected to networks, electronic commerce is expanding rapidly. Electronic commerce is a part or all of commerce on a network, and since all transactions on the network are covered, the area is very wide. Electronic commerce includes, for example, business-to-business (BtoB: Business to Business) transactions, business-to-consumer (BtoC: Business to Consumer) transactions, and general consumers (CtoC:). It can include a Consumer to Consumer) transaction.

Conventionally, in electronic commerce, there has been a problem that troubles in payment and delivery of goods are likely to occur. Specifically, on the buyer side, there were problems such as when the product did not arrive even though the price was transferred, or when the photo seen at the time of purchase was different from the delivered product. In addition, on the seller side, there was a problem that the price was not transferred even though the product was sent. Therefore, for example, Patent Document 1 describes an example of an escrow payment system technology capable of preventing such troubles.

The escrow payment system described in Patent Document 1 includes a virtual account creation unit that creates a virtual account composed of electronic information based on predetermined information transmitted from each of a seller and a buyer of a product. In addition, when the escrow payment system receives payment information including product price information for the virtual account of the product buyer, it sends a product shipping instruction to the product seller and collects the product to the distributor. A pickup instruction unit for transmitting instructions is provided. In addition, the escrow payment system has a virtual account transfer unit that transfers the price information of the product from the virtual account of the buyer of the product to the virtual account of the seller of the product when the delivery completion report of the product is received from the distributor to the buyer of the product. ..

JP-A-2002-74219

In recent years, in electronic commerce, payment by electronic money is often used instead of payment by cash. Since electronic money is easier to handle than cash in electronic commerce using the Internet and the like, its use as a payment method is expanding.

By the way, while there is usually one type of currency, there are a plurality of types of electronic money, and there are some restrictions on how to use each type of electronic money. The widespread use of various types of electronic money improves the convenience of electronic money. On the other hand, as the use of electronic money increases, sellers have to deal with payments using multiple electronic money, and purchasers use electronic money that can be used for payment. It is becoming a situation where we have to prepare. As described above, the management of electronic money has become complicated for sellers and consumers, and there is a concern that the convenience of electronic money will decrease.

The present disclosure has been made in view of such a situation, and an object thereof is to provide an escrow payment system for electronic money and an escrow payment method for electronic money, which can enhance the convenience of electronic money in escrow payment. To do.

The electronic money escrow payment system that solves the above problems is an electronic money escrow payment system including an escrow service server that enables electronic money to be used for escrow payment in product transactions, and the escrow service server provides sales information. And the transaction information acquisition unit that converts the purchase information into transaction information, and the first electronic money that manages the distribution of the first electronic money of the same type as the type specified for payment from the purchaser in the purchase information. The purchase according to the payment instruction of the purchaser, which is the first account lent by the electronic money server and the escro service server notifies the transaction information to the first account whose balance is grasped by the escro service server. The payment processing unit that recognizes that the payment from the person's account has been completed and notifies the seller that the payment has been completed, and the notification of receipt of goods from the purchaser that has made the payment to the first account. The second electronic money in an amount corresponding to the payment equivalent amount of the first electronic money deposited from the purchaser's account to the first account according to the receipt, and is the first electronic money. The second electronic money, which is the type specified by the seller to receive in the sales information as a type different from the electronic money, is grasped by the escro service server in response to the payment instruction of the escro service server. The second account of the second electronic money, which is lent by the second electronic money server that manages the circulation of the second electronic money, transfers money to the seller's account. , It is provided with a payment delivery processing unit that notifies the seller of the completion of remittance.

The escrow payment method for electronic money that solves the above problems is an escrow payment method for electronic money performed by an escrow service server that enables electronic money to be used for escrow payment in product transactions, and includes sales information and purchase information. The first electronic money server that manages the distribution of the first electronic money, which is the same type as the type specified for payment from the purchaser in the purchase information, and the transaction information acquisition process that uses the above as transaction information. In addition to recognizing that the payment from the purchaser's account has been completed according to the purchaser's payment instruction to the first account that is lent and the escro service server grasps the balance. In response to the payment receiving processing step of notifying the seller that the payment has been completed and the receipt of the product receipt notification from the purchaser who has made the payment to the first account, the first item is received from the purchaser's account. The amount of the second electronic money corresponding to the payment equivalent amount of the first electronic money deposited in the account, and is different from the first electronic money by the seller in the sales information. The second electronic money, which is the type specified for receipt, is the second account of the second electronic money whose balance is grasped by the escro service server in response to the payment instruction of the escro service server. A payment delivery processing process for transferring money from the second account lent by the second electronic money server that manages the distribution of the second electronic money to the seller's account and notifying the seller of the completion of the transfer. To be equipped.

According to such a configuration or method, in a sales transaction in which the seller and the purchaser notify the escrow service server of the sales information and the purchase information, respectively, the type of difference between the seller and the purchaser. Even if electronic money is used for payment, escrow payment can be performed between these different electronic money. As a result, the convenience of electronic money in escrow payment can be enhanced.

As a preferred configuration, the escrow service server notifies the purchaser of the sales information in response to receiving the sales information from the seller, and notifies the purchaser of the purchase information as a response to the sales information. Receive from.

According to such a configuration, by notifying the purchaser of the sales information, the purchaser can know the escrow service used for payment and is notified that the purchase information needs to be registered. Further, since the escrow service server can receive the purchase information as a response to the sales information, the sales information and the purchase information can be appropriately associated with each other. That is, the time and effort required for settlement is reduced for both the seller and the purchaser.

As a preferred configuration, the escrow service server receives the sales information and the promise document from the seller, and notifies the purchaser of the sales information and the promise document.

According to such a configuration, even in a bilateral transaction that is not face-to-face, the purchaser can purchase after confirming the written promise, so that the security of the transaction is enhanced.
As a preferable configuration, in the registration of the purchase information by the purchaser, the approval or disapproval of the promise document is registered in the escrow service server.

According to such a configuration, consent / disagreement to the written promise is clearly registered prior to settlement, so that the security of the transaction in the bilateral transaction can be ensured higher.
As a preferred configuration, the escrow service server complements the contents of the purchase information registered by the purchaser with the sales information from the seller.

According to such a configuration, the registered contents of the purchase information by the purchaser required for using the escrow service can be made appropriate.
As a preferred configuration, the payment receiving processing unit notifies the purchaser of the amount of the first electronic money to be remitted to the first account based on the transaction information, and deposits the money in the first account. It is determined whether or not the amount of the first electronic money generated is appropriate.

According to such a configuration, the purchaser is notified of the information necessary for the remittance, so that the purchaser can easily pay an appropriate amount of electronic money. In addition, since it is determined whether or not the amount of electronic money deposited is appropriate, payment can be made smoothly.

As a preferable configuration, it is possible to acquire the shipping information of the product from the delivery management server that manages the delivery of the product, and in the payment receiving processing unit, the payment receiving processing unit completes the payment to the seller. When the shipping information of the product cannot be obtained from the delivery management server after a lapse of a predetermined period from the notification, the first electronic money for which the payment has been completed in the first account under the predetermined refund conditions. Will be refunded to the purchaser's account.

According to such a configuration, even after the purchaser pays the first electronic money, when the seller does not ship the goods, the type of electronic money deposited by the purchaser under the predetermined refund conditions. Will be refunded to the purchaser, ensuring the security of the transaction.

As a preferable configuration, it is possible to acquire the delivery information of the product from the delivery management server that manages the delivery of the product, and the payment delivery processing unit receives the product receipt notification from the purchaser. After a predetermined period of time has elapsed since the receipt of the product is confirmed based on the delivery information from the delivery management server, the second electronic money in an amount corresponding to the payment equivalent amount is sold under predetermined payment conditions. Send money to the person's account.

According to such a configuration, even if the purchaser forgets to confirm the receipt of the product or does not confirm the receipt, the seller is paid the electronic money corresponding to the payment equivalent amount. The security of transactions is ensured.

As a preferred configuration, an account management unit that manages the balance of the first account and the balance of the second account is provided, and the account management unit has a balance among the first account and the second account. , Withdrawing electronic money from the account that exceeds the set upper limit, and replenishing electronic money for the account whose balance is below the set lower limit. ..

According to such a configuration, the balances of the first account and the second account are maintained between the set upper limit value and the lower limit value through adjustment by withdrawal or replenishment. The amount of funds held in the first and second accounts can be maintained at an appropriate amount. In addition, when the balance reaches the set upper limit and lower limit, the number of payouts and replenishments can be reduced by paying out and replenishing with a certain amount, and the labor and fees can be kept low. Will be.

According to the present disclosure, the convenience of electronic money in escrow payment can be enhanced.

The block diagram which shows one Embodiment of the escrow payment system for electronic money and the escrow payment method for electronic money. The block diagram which shows the structure of this embodiment. The sequence diagram which shows the processing procedure of this embodiment. The sequence diagram which shows the processing procedure of this embodiment. The sequence diagram which shows the processing procedure of this embodiment. The sequence diagram which shows the processing procedure of this embodiment.

Hereinafter, this embodiment will be described with reference to FIGS. 1 to 6. In the present embodiment, an escrow payment system for electronic money that enables escrow payment with a plurality of electronic money and an escrow payment method for electronic money will be described.

Here, the electronic money means a monetary value expressed by digital data (hereinafter, simply referred to as a value). There are multiple types of electronic money, and there are some differences in how to use each type of electronic money (there are some restrictions). For example, one piece of electronic money is available in a predetermined payment system tuned to handle the electronic money. Therefore, usually, one electronic money cannot be used in a payment system adjusted to handle another electronic money different from the electronic money. Examples of electronic money services include "LINE Pay" (registered trademark) and "Yahoo! (registered trademark) money".

A user of electronic money can convert currencies such as yen and dollars into electronic money and use the converted electronic money to purchase goods and services. The product referred to here may include a physical article and digital contents such as a data file and an application program.

The unit of electronic money may be a unique unit different from the currency unit, but may be the same unit as the currency. In addition, electronic money may include corporate currency, virtual currency, and the like, which are point programs independently issued by companies and are also called corporate points. Further, the electronic money may include a form of writing information on an IC card and using it like a credit card (IC card type), a form of distributing data as data on the Internet (network type), and a prepaid card type. At this time, the account holding the electronic money is usually under the control of the organization or company that issued the electronic money, but the account is placed on the IC card or on the server. It may be arranged on the mobile terminal, or the arrangement location may be composed of a combination thereof. Here, the account includes electronic information that stores the amount of electronic money possessed by the user by the managing organization / company, and stores the amount of electronic money allocated to each user in a form that can be increased or decreased.

The connection via the network N in the present embodiment will be described with reference to FIG. The network N may be a public communication line, a dedicated communication line, or a communication line composed of a combination thereof. The network N includes an escrow service server 1, a purchaser terminal 2 operated by the purchaser 20, a seller terminal 3 operated by the seller 30, a first electronic money server 4 that manages the first electronic money, and a second electronic money server. The second electronic money server 6 that manages electronic money and the delivery management server 8 are connected to each other so that they can communicate with each other. The first electronic money and the second electronic money are different types of electronic money. A payment system compatible with the first electronic money is required for the settlement of the first electronic money. A payment system compatible with the second electronic money is required for the settlement of the second electronic money.

The escrow service server 1, the purchaser terminal 2, the seller terminal 3, the first electronic money server 4, the second electronic money server 6, and the delivery management server 8 are all or part of different groups, companies, or individuals. It may be owned and managed.

The outline of the transaction in this embodiment will be described.
First, a promise (contract) for buying and selling goods (so-called CtoC) between individuals is established between the purchaser 20 and the seller 30. Promises for buying and selling commodities can be made, for example, via SNS (Social Networking Service), telephones, letters, magazines of information magazines, and the like. Here, the case of using SNS will be described.

Of these, SNS is a communication tool that allows individual users to mutually transmit and share information. In SNS, a social network is usually formed by posting a member's profile or the like on an SNS site and then registering friends or the like with each other. For example, with SNS, TWITTER (registered trademark), FACEBOOK (registered trademark), LINE (registered trademark), mixi (registered trademark), Instagram (registered trademark), etc., as well as one-to-one exchange of character information is possible. Any means may be included, and means such as e-mail or SMS (Short Message Service) may be included. In addition, in SNS, a unique web page is assigned to each user, and since it is possible to introduce one's own collections and works on the web page and display comments posted by oneself and friends by the comment function, sometimes buying and selling collections, etc. Is also done.

By the way, since SNS is a communication tool, it does not have a mechanism for conducting sales transactions safely and reliably. Therefore, for example, the escrow payment system for electronic money of the present embodiment is used to execute sales transactions. Will be. That is, the sales transaction between the purchaser 20 and the seller 30 is executed by the delivery of the goods via the escrow service server 1 and the delivery of the price by arbitrary electronic money. It should be noted that the use of the escrow service server 1 for sales transactions is determined by at least one of the seller 30 and the purchaser 20 proposing and accepting the proposal by the other party.

When conducting a sales transaction using the escrow service server 1, the seller 30 registers the sales information and the purchaser 20 registers the purchase information in the escrow service server 1. The escrow service server 1 generates one transaction information 101 based on the sales information and the purchase information registered for one sales transaction, assigns a transaction ID number, and manages the escrow service server 1. At this time, the sales information and the purchase information include information that makes it possible to recognize that the transaction is one sale transaction, for example, the address name and the address name of the purchaser, the address name of the seller, the unique transaction ID, and the like. You need to be. In addition, sales information and purchase information include information required for interpersonal transactions. The information required for interpersonal transactions is, for example, purchaser information 102, seller information 103, and product information 104. Information registered in the escrow service server 1 in advance and associated with the seller 30, the purchaser 20, or the product information 104 may be omitted each time.

The escrow service server 1, the purchaser terminal 2, the seller terminal 3, the first electronic money server 4, the second electronic money server 6, and the delivery management server 8 will be described with reference to FIG.
The purchaser terminal 2 is a computer operated by the purchaser 20 of the product, such as a mobile phone, a smartphone, a tablet computer, or a personal computer. The purchaser 20 can operate the purchaser terminal 2 to access the SNS server, confirm the products posted or introduced by the seller 30, and make a promise of sale through communication with the seller 30. Further, the purchaser 20 operates the purchaser terminal 2 to exchange information about the escrow service with the escrow service server 1. Further, the purchaser 20 operates the purchaser account 5 assigned to the purchaser 20 through the operation of the purchaser terminal 2, or purchases a product with the first electronic money that he / she wants to use for the transaction. Pay the price.

The seller terminal 3 is a computer operated by the seller 30, such as a mobile phone, a smartphone, a tablet computer, or a personal computer. The seller 30 can operate the seller terminal 3 to access the SNS server, confirm comments from the purchaser 20, and make a promise of sale through communication with the purchaser 20. Further, the seller 30 operates the seller terminal 3 to exchange information about the escrow service with the escrow service server 1. In addition, the seller 30 operates the seller account 7 assigned to the seller 30 through the operation of the seller terminal 3, or purchases a product with a second electronic money that he / she wants to use for the transaction. You can confirm that you have received the payment.

Each of the purchaser terminal 2 and the seller terminal 3 is provided (installed) with an escrow service application (ESApp) 9, which is an application that provides a trading environment between individuals. ESApp9 is an application that facilitates the exchange of information with and from the escrow service server 1 with which API linkage is made. ESApp9 can be used by the purchaser 20 and by the seller 30. In ESApp9, for example, status display related to transactions and payments, operations related to escrow payments, registration operations of product information to be sold, and registration operations of delivery destination information of products can be performed. Further, the ESApp 9 may be able to collect information that must be notified to the escrow service server 1 from the purchaser terminal 2 and the seller terminal 3 and notify the escrow service server 1. In addition, ESApp 9 may hold information on transactions performed by the purchaser 20 using the purchaser terminal 2 and information on transactions performed by the seller 30 using the seller terminal 3.

The first electronic money server 4 is a server that manages the distribution of the first electronic money. The first electronic money server 4 maintains and manages an account that can handle the first electronic money, and lends the account to the user. The first electronic money server 4 is the name of the purchaser 20 as a lending account, and is the name of the purchaser account 5 in which the purchaser 20 manages the inflow and outflow of electronic money, and the name of the person who manages the escrow service server 1. The escrow service server 1 has a first account 41 for grasping the balance.

The second electronic money server 6 is a server that manages the distribution of the second electronic money, which is an electronic money of a different type from the first electronic money. The second electronic money server 6 maintains and manages an account that can handle the second electronic money, and lends the account to the user. The second electronic money server 6 is the name of the seller 30 as a lending account, and is the name of the seller account 7 in which the seller 30 manages the inflow and outflow of electronic money and the name of the person who manages the escrow service server 1. The escrow service server 1 has a second account 61 for grasping the balance.

The first and second electronic money servers 4 and 6 are computers such as personal computers and workstations that provide electronic money services. The first and second electronic money servers 4 and 6 manage the distribution of different types of electronic money, but are assumed to enable well-known and general electronic money services. That is, although not shown, the electronic money server makes a payment with a financial institution system when purchasing electronic money or returning it to cash (cashing) or a transaction information acquisition means for acquiring transaction information between electronic money users. It is configured to include a payment means for performing payment and a transaction execution means for executing various transactions and processes of electronic money. Then, the amount of electronic money associated with each user is stored in the account. In addition, the electronic money server is a history information search means for searching the history information of electronic money stored in the electronic money wallet, a history information notification means for notifying the searched history information at the request of the user, and a history. It may be configured to be provided with a history information preservation means or the like that preserves information semipermanently.

The delivery management server 8 is a computer such as a personal computer or a workstation that provides services related to delivery of goods. By receiving the transaction information 101 from the escrow service server 1, the delivery management server 8 can know the purchaser information 102, the seller information 103, the product information 104, and the like together with the transaction ID number. The delivery management server 8 associates the shipping status of the product of the seller 30 with the shipping information and the delivery status of the product to the purchaser 20 with the delivery information based on the transaction ID number and the like. In addition, the delivery management server 8, as a neutral third party, provides an escrow service that the seller 30 has shipped the product and the purchaser 20 has received the product (delivery completion notification) based on the transaction ID number. It is transmitted to the server 1 via the network N.

The escrow service server 1 is a computer such as a personal computer or a workstation that performs processing related to the escrow service. When the escrow service server 1 receives the sales information from the seller terminal 3 and the purchase information from the purchaser terminal 2, the escrow service server 1 generates transaction information 101 including the transaction ID number, and regarding the transaction corresponding to the transaction ID number, the purchaser 20 Processes related to payment and shipment of seller 30, and processing related to receipt of goods by purchaser 20 and remittance to seller 30.

The escrow service server 1 includes a transaction information acquisition unit 11 that generates transaction information 101 and holds it in the transaction information holding unit 17, and a payment receiving processing unit 12 that performs payment receiving processing between the purchaser terminal 2. Further, the escrow service server 1 includes an electronic money brokerage unit 13 capable of converting the value of the first electronic money of different types and the value of the second electronic money to each other or converting them into currency. .. Further, the escrow service server 1 includes a price delivery processing unit 14 for remittance of the second electronic money from the second account 61 to the seller account 7 when the remittance condition is satisfied. Further, the escrow service server 1 manages the delivery monitoring unit 15 that monitors the delivery of goods based on the information acquired from the delivery management server 8, and the balance of the first account 41 and the balance of the second account 61, respectively. It includes an account management unit 16.

Subsequently, an example of the transaction using the escrow payment system in the present embodiment will be described with reference to FIGS. 3 to 6.
FIG. 3 is a diagram showing a sequence leading to an agreement on remittance procedures between the purchaser 20 and the seller 30 as the first stage of the transaction.

First, on the seller terminal 3, a screen for the seller 30 to register sales information is displayed (provided) by the installed ESApp 9 (step S31 in FIG. 3). The seller 30 operates the screen for registering the sales information displayed by ESApp9 and inputs the sales information (step S32 in FIG. 3). The seller 30 registers as sales information information such as a destination for identifying the purchaser 20, a product, a selling price, the type of electronic money used for receiving the price, and an account. ESApp9 performs a process of registering the input sales information in the escrow service server 1 (step S33 in FIG. 3). The ESApp 9 may add information about the seller 30 set in the ESApp 9 and the seller terminal 3 and information about the products to be sold to the sales information. The destination for identifying the purchaser 20 includes information required for notification of an e-mail or the like from the escrow service server 1 to the purchaser terminal 2, such as an address, a name / name, and an e-mail address.

In the registration process, ESApp 9 notifies the escrow service server 1 of the sales information input by the seller 30 and causes the escrow service server 1 to register the information (step S34 in FIG. 3).

When the sales information is registered, the escrow service server 1 notifies the seller terminal 3 that the sales information has been registered based on the registered sales information by e-mail or the like (step S35 in FIG. 3). As a result, the seller terminal 3 can confirm that the input sales information has been registered in the escrow service server 1.

Further, when the sales information is registered, the escrow service server 1 notifies the purchaser terminal 2 of the information required by the purchaser 20 among the sales information registered by the seller 30 by e-mail or the like (Fig.). Step 3 S36). The information required by the purchaser 20 is the information of the seller 30, the product, the selling price, and the like. Further, the ESApp 9 of the purchaser terminal 2 cooperates with the escrow service server 1 to display the purchase information registration screen on the purchaser terminal 2 (step S37 in FIG. 3). The purchaser 20 operates the screen for registering the purchase information displayed by ESApp9 and inputs the purchase information (step S38 in FIG. 3). The purchaser 20 registers information such as the destination of the product (usually, his / her own address / name), the type of electronic money used for payment, and the account as the purchase information. ESApp9 performs a process of registering the input purchase information in the escrow service server 1 (step S39 in FIG. 3). In addition, ESApp9 may add information about the purchaser 20 set in ESApp9 and the purchaser terminal 2, information about the product to be purchased, and the like to the purchase information.

In the registration process, ESApp9 of the purchaser terminal 2 notifies the escrow service server 1 of the purchase information based on the input of the purchaser 20 and causes the escrow service server 1 to register (step S310 in FIG. 3). When the purchase information is registered, the escrow service server 1 notifies the seller terminal 3 that the purchase information has been registered based on the registered purchase information by e-mail or the like (step S311 in FIG. 3). Thereby, on the seller terminal 3, it can be confirmed that the purchaser 20 has permitted the purchase of the product and registered the purchase information in the escrow service server 1.

In the escrow service server 1, the transaction information acquisition unit 11 generates transaction information 101, which is information necessary for the transaction, based on the registered sales information and purchase information. The transaction information 101 includes purchaser information 102, seller information 103, and product information 104.

The purchaser information 102 states that the type of electronic money used by the purchaser 20 for payment is the "first electronic money" and that the first electronic money server 4 has a "purchaser account 5". It is included. That is, the purchaser 20 selects the first electronic money for payment from the plurality of electronic money that can be settled by the escrow service server 1. Further, the purchaser information 102 includes the address, name, company name, telephone number, e-mail address, destination of the product, and the like of the purchaser 20.

The seller information 103 states that the type of electronic money used by the seller 30 for payment is "second electronic money" and that the second electronic money server 6 has a "seller account 7". It is included. That is, the seller 30 selects the second electronic money for the payment from the plurality of electronic money that can be settled by the escrow service server 1. In addition, the seller information 103 includes the address, name, company name, telephone number, e-mail address, and the like of the seller 30.

The product information 104 includes information such as a product type, product name, name, size, and weight. In addition, the product information 104 includes the number of purchases, the purchase price, the delivery fee, the delivery date and time, and the like as information regarding the purchase.

By the way, in the case of individual transactions, there is a problem that the agreement of the transaction is not clear. In this regard, it is assumed that both the purchaser 20 and the seller 30 have formed an agreement regarding payment / receipt via the electronic money remittance service by the processes related to the registration of sales information and the registration of purchase information up to this point. be able to.

It is possible to form a consensus more explicitly. For example, the seller 30 may register purchase information including a promise document clarifying the formation of an agreement in the escrow service server 1. Further, the escrow service server 1 may notify the purchaser terminal 2 of the information required by the purchaser 20 including the promise document registered by the seller 30. Further, the purchase information may include whether or not the purchaser 20 has agreed to the written promise. Then, the purchase information may be registered in the escrow service server 1 including the presence or absence of consent to the promise document. As a result, the escrow service server 1 can confirm the presence or absence of consent to the promise document and process the transaction according to the presence or absence of consent to the promise document.

The escrow service server 1 holds the created transaction information 101 in the transaction information holding unit 17 at least until the transaction by the escrow service is completed, and manages one transaction based on the transaction information 101.

That is, the escrow service server 1 starts the escrow service based on the transaction information 101 (transaction information acquisition process).
When starting the escrow service, the escrow service server 1 may notify the seller terminal 3 of the start of the escrow procedure, or may notify the purchaser terminal 2 of the start of the escrow procedure. For the notification from the escrow service server 1 to the purchaser terminal 2 and the seller terminal 3, an appropriately available method is selected. Available methods include e-mail, notification functions of the first electronic money server 4 and the second electronic money server 6, and the like.

FIG. 4 is a sequence diagram when the purchaser 20 pays the purchase price of the product with arbitrary electronic money as the second stage of the transaction (price receipt processing process).
First, when the escrow procedure is started, the escrow service server 1 notifies the purchaser terminal 2 of the payment instruction by e-mail or the like (step S41 in FIG. 4). The payment instruction includes the number of the first account 41 of the remittance destination and the amount of the first electronic money to be remitted to the first account 41.

When the payment instruction is notified to the purchaser terminal 2, the purchaser 20 operates the purchaser terminal 2 to perform the first electronic money payment operation from the purchaser account 5 to the first account 41 (FIG. 4). Step S42). As a result, the first electronic money is remitted from the purchaser account 5 to the first account 41 (step S43 in FIG. 4). At this time, since the purchaser account 5 and the first account 41 are the same type of first electronic money accounts, the first electronic money from the purchaser account 5 to the first account 41 is applied. Expenses and fees are usually free or relatively low in order to promote the use of the first electronic money. Further, the purchaser terminal 2 has a function in which a remittance completion notification indicating that the transfer of electronic money from the purchaser account 5 to the first account 41 is completed corresponds to the purchaser account 5 of the first electronic money server 4. Notified from (step S431). As a result, the purchaser 20 can confirm that the remittance of the electronic money has been completed.

When the electronic money is deposited in the first account 41, a deposit notification including information on the deposit is notified from the first account 41 to the escrow service server 1 (step S44 in FIG. 4). More specifically, the payment notification is a notification of payment information from the first electronic money server 4 to the first account 41 of the escrow service server 1. The payment notice may include information on the purchaser 20 and information on the payment amount, as well as a transaction ID number. The escrow service server 1 confirms the purchaser 20 and confirms the payment amount based on collating the transaction information 101 with the payment information (step S45 in FIG. 4). At this time, if the transaction ID number is included, the transaction information 101 and the deposit information may be collated by the transaction ID number.

When it is confirmed by the verification that the purchaser 20 and the payment amount match, the escrow service server 1 notifies the purchaser terminal 2 by e-mail or the like that the transaction price has been paid (step in FIG. 4). S46). This notification may include the amount of the first electronic money deposited, the remittance destination, and the like. As a result, the purchaser 20 can confirm that the payment has been made by the operation by the purchaser terminal 2.

On the other hand, if at least one of the purchaser 20 and the payment amount does not match due to collation, the purchase is made through the first electronic money server 4 used by the purchaser 20 only when there is an error in the procedure contents such as the deposit amount. The person terminal 2 may be notified to correct the remittance amount and prompt the procedure for resending money. Further, the remittance amount corresponding to the procedure notified to the purchaser terminal 2 may be corrected, and the cancellation of the transaction may be notified when the remittance is not performed or when there is a problem that the remittance cannot be performed.

FIG. 5 is a sequence diagram showing a third stage of the transaction, in which the seller 30 ships the product to the purchaser 20 and the purchaser 20 registers that the product has been received.
When the payment by the purchaser 20 is confirmed, the escrow service server 1 notifies the seller terminal 3 of the payment completion indicating that the payment from the purchaser 20 has been completed, and a shipping instruction instructing the shipment of the product. Is notified by e-mail or the like (step S51 in FIG. 5).

When the shipping instruction is notified, the seller 30 ships the product to the purchaser 20 (step S52 in FIG. 5). Further, the delivery management server 8 grasps and manages the delivery status of the product from the time when the delivery company collects the product from the seller 30 to the time when the delivery company delivers the product to the purchaser 20. The delivery status includes underwriting information for accepting the product, delivery information for delivering the product, and the like. The delivery management server 8 establishes a relationship in which the delivery status of the product can be notified to the escrow service server 1, the seller terminal 3, and the purchaser terminal 2, that is, the delivery status is linked (step S53-1 in FIG. 5). , S53-2, S53-3). By linking the delivery status, the underwriting information and delivery information between the delivery company and the seller 30 and the purchaser 20 are transferred between the delivery management server 8 and the escrow service server 1, the seller terminal 3, and the purchaser terminal 2. Will be linked and shared.

The goods arrive at the purchaser 20 by the delivery of the goods by the delivery company. Further, the purchaser terminal 2 performs a process related to the arrival of the product by the notification from the delivery management server 8 (step S54 in FIG. 5). The process related to the arrival of the product is the registration of the completion of receipt of the product, and more specifically, the process including the confirmation of the status of the arrived product and the notification of the confirmation of receipt. On the purchaser terminal 2, when the purchaser 20 confirms the receipt of the product, the purchaser 20 operates ESApp9 to register the receipt of the product (step S55 in FIG. 5), and the process of registering the product receipt information with respect to the ESApp9. Is performed (step S56 in FIG. 5). ESApp9 notifies the escrow service server 1 of the registered product receipt information as receipt information, and causes the notified receipt information to be registered (step S57 in FIG. 5).

On the other hand, the escrow service server 1 notifies the seller terminal 3 of the completion of payment and the shipment from the payment receiving processing unit 12 even after a predetermined period such as several days to one week has passed. When the shipping information cannot be obtained from the delivery management server 8, the first electronic money may be refunded to the purchaser 20 under predetermined refund conditions. The value of the refunded electronic money may be the same amount or value as the first electronic money that has been deposited in the first account 41, or a predetermined fee or the like is deducted from the amount or the like deposited. It may be used, or it may be converted to market value. As the predetermined period, a period from several days to one week, or a period from the release date or the arrival date of the product may be set. In addition, the seller 30 may be able to postpone the predetermined period, including the number of changes and the extension period being limited. The predetermined refund conditions may include necessary items such as the number of times the shipment from the escrow service server 1 is urged, the result of status confirmation, and the consent of the purchaser 20.

On the other hand, when the payment delivery processing unit 14 cannot receive the product receipt notification from the purchaser terminal 2 after the seller 30 has shipped the product, the payment delivery processing unit 14 determines the product based on the delivery information included in the delivery information from the delivery management server 8. After a lapse of a predetermined period from the confirmation of receipt of the product, a second electronic money in an amount corresponding to the payment equivalent amount may be remitted to the seller 30 under predetermined payment conditions. The predetermined period is a period required for confirming the state of the product, for example, a few days may be set, or a longer period such as 1 to 2 weeks may be set as the monitoring period. The prescribed payment conditions include the number of times the receipt confirmation from the escrow service server 1 is urged, the result of the status confirmation, the petition by the seller 30, the consent of compulsory payment, etc. It's fine.

FIG. 6 is a sequence diagram of the fourth stage of the transaction, in which the seller 30 receives the price by an arbitrary electronic money service and the transaction procedure is completed (the price delivery processing process).
When the receipt information corresponding to the receipt of the product receipt notification from the purchaser 20 is registered, the escrow service server 1 temporarily keeps (consigns) the product with the first electronic money from the purchaser 20. The purchase price is instructed to be paid to the seller 30 with the second electronic money (step S61 in FIG. 6). At this time, the escrow service server 1 calculates the amount of second electronic money corresponding to the payment equivalent amount in the payment delivery processing unit 14. The amount equivalent to payment may be the selling price of the product, the selling price of the product minus the usage fee of the escro service, or the amount after deducting other taxes and advance payments. There may be. Since the amount of the first electronic money corresponding to the selling price of the product is paid at the time of deposit, the calculated amount of the second electronic money is the first amount deposited from the purchaser 20 to the first account 41. It is possible to spend from one electronic money.

In response to the payment instruction, the payment delivery processing unit 14 remits the amount of the second electronic money corresponding to the payment equivalent amount from the second account 61 to the seller account 7 of the seller 30 (step S62 in FIG. 6). ). When the electronic money is deposited in the seller account 7, a deposit notification including information on the deposit is notified from the seller account 7 to the seller terminal 3 (step S63 in FIG. 6). More specifically, as a payment notification, the information of the seller account 7 is notified from the second electronic money server 6 to the seller terminal 3. Further, the payment delivery processing unit 14 (escrow service server 1) receives a remittance completion notification indicating that the remittance of electronic money from the second account 61 to the seller account 7 has been completed, which is the second electronic money server 6. Notified by the function corresponding to the account 61 of 2 (step S621). As a result, the escrow service server 1 confirms that the remittance of electronic money has been completed.

The seller terminal 3 performs the payment processing of the product based on the payment notification (step S64 in FIG. 6). The payment receiving process is, for example, a collation process between the selling price and the deposit amount. When the payment receipt processing is completed, the seller terminal 3 notifies the escrow service server 1 of the payment receipt information (step S65 in FIG. 6).

The escrow service server 1 performs the payment information registration process based on the remittance completion notification from the second electronic money server 6 and the registration notification of the payment receipt information from the seller terminal 3 (step S67 in FIG. 6). Then, in the payment information registration process, the escrow service server 1 registers the completion of the transaction for the transaction information 101 held in the transaction information holding unit 17, and completes the process related to the transaction. Further, the escrow service server 1 notifies the purchaser 20 of the payment completion notification by e-mail or the like (step S68 in FIG. 6). The payment completion notification may include the completion of payment receipt by the seller 30 and the completion of the procedure related to the sale.

(Account balance management process)
In the present embodiment, the escrow service server 1 includes the above-mentioned account management unit 16.
The account management unit 16 manages and adjusts while grasping the balance of the first account 41 and the balance of the second account 61. For example, the account management unit 16 has an upper limit value and a lower limit value of the electronic money balance corresponding to the first account 41 in the first account 41, and a second account 61 in the second account 61. It has an upper limit value and a lower limit value of the electronic money balance corresponding to the account 61 of. Since it is possible that the demands of the electronic money of the first account 41 and the electronic money of the second account 61 are different due to the difference in the distribution amount and the like, the upper limit value and the lower limit value according to the demand are set respectively. It is preferable to set.

The account management unit 16 adjusts the balance of electronic money in the first account 41 so that it is between the set upper limit value and the lower limit value. For example, the account management unit 16 pays out electronic money from the account when the balance of the first account 41 exceeds the set upper limit value, and when the balance falls below the lower limit value, the account concerned. Perform at least one process of replenishing electronic money. Further, the account management unit 16 adjusts the balance of the electronic money of the second account 61 in the same manner as the adjustment of the balance of the electronic money of the first account 41.

When the balance of the account reaches the upper limit or the lower limit, the number of exchanges and purchases of electronic money is reduced by paying out or replenishing an amount larger than the amount settled in each transaction. For this reason, it is possible to reduce the time and effort required for cashing and purchasing electronic money, and also to reduce the expenditure of commissions paid to financial institutions, electronic money management organizations, etc. at the time of cashing and purchasing.

In the escrow service server 1, when the transaction is completed, the total balance (value) of the first account 41 and the balance (value) of the second account 61 becomes the same as before the transaction. That is, in the escrow service server 1, the total balance of each account does not change. If you own three or more electronic money accounts, the balance ratio of each account may change from the initial ratio, but the total balance (total value) of all accounts will not change. Therefore, the balance of each account can be adjusted between the accounts. Further, if the types of electronic money that can be handled by three or more accounts are different, the combination of types of electronic money that can be mediated by the escrow service server 1 will increase.

For example, when the account management unit 16 makes adjustments to suppress an increase in the balance of the account by paying out, all or part of the value corresponding to the amount of the paid out electronic money is different from the paid out electronic money. Replenish your electronic money account. In addition, when there are a plurality of other electronic money accounts to be replenished, select the account having a low sufficiency rate with respect to the upper limit value or the lower limit value set for the account from among the plurality of other accounts. You can replenish this selected account. This reduces the risk of excess account balance.

Further, for example, when the account management unit 16 makes adjustments to suppress a decrease in the balance of the account by replenishment, the electronic money required for replenishment is an electronic money account of a type different from the electronic money requiring replenishment. Withdraw from another account and replenish. In addition, when there are multiple other electronic money accounts to be paid out, select the other account with a high sufficiency rate for the upper limit or lower limit set for the other account from among the other accounts. Then, the balance of the account to be replenished is replenished by remittance of electronic money paid out from this account. This reduces the risk of running out of account balance.

According to this embodiment, the following effects can be obtained.
(1) Different types of electronic money between the seller 30 and the purchaser 20 in a sales transaction in which the seller 30 and the purchaser 20 notify the sales information and the purchase information to the escrow service server 1, respectively. Even if is used for payment, escrow payment can be performed between these different electronic money. As a result, the convenience of electronic money in escrow payment can be enhanced.

(2) By notifying the purchaser 20 of the sales information, the purchaser 20 can know the escrow service used for payment and is notified that the purchase information needs to be registered. Further, the escrow service server 1 can appropriately associate the sales information with the purchase information by receiving the purchase information as a response to the sales information. That is, both the seller 30 and the purchaser 20 can reduce the time and effort required for settlement.

(3) By notifying the purchaser 20 of the promise document received from the seller 30, the purchaser 20 can purchase after confirming the promise document even in a bilateral transaction that is not face-to-face. Increases the security of transactions.

(4) Since consent / disagreement to the written promise is clearly registered prior to settlement, the security of transactions in bilateral transactions can be ensured higher.
(5) The registered contents of the purchase information by the purchaser 20 required for using the escrow service can be made appropriate.

(6) Since the purchaser terminal 2 is notified of the information necessary for remittance, the purchaser 20 can easily pay an appropriate amount of electronic money. In addition, since it is determined whether or not the amount of electronic money deposited is appropriate, payment can be made smoothly.

(7) Even after the purchaser 20 has paid the first electronic money, when the seller 30 does not ship the product, the electronic money of the type deposited by the purchaser 20 is purchased under the predetermined refund conditions. The security of the transaction is ensured because it will be refunded to the person.

(8) Even if the purchaser 20 forgets to confirm the receipt of the product or does not confirm the receipt, the seller 30 is paid the electronic money corresponding to the payment amount, so that the transaction can be made. Safety is ensured.

(9) Since the balances of the first account 41 and the second account 61 are maintained between the set upper limit value and the lower limit value through adjustment by withdrawal or replenishment, the first account 41 And the amount of funds held in the second account 61 can be maintained at an appropriate amount. In addition, when the balance reaches the set upper limit and lower limit, the number of payouts and replenishments can be reduced by paying out and replenishing with a certain amount, and the labor and fees can be kept low. Will be.

In addition, the above embodiment can be modified and implemented as follows. The present embodiment and the following modified examples can be implemented in combination with each other within a technically consistent range.
-In the above embodiment, a case where the purchaser 20 operates the ESApp 9 to register the purchase information has been illustrated. However, the present invention is not limited to this, and the purchase information may be registered by the purchaser writing in an input form (interface) displayed on a browser or the like.

-In the above embodiment, the case where the seller 30 operates the ESApp 9 to register the sales information has been illustrated. However, the present invention is not limited to this, and the registration of sales information may be registered by the seller writing in an input form (interface) displayed on a browser or the like.

-The written promise may be a contract or the like.
-The escrow service server 1 may give a payment instruction to be notified to the purchaser terminal 2 on an ESApp, a WEB site, or the like, instead of giving an instruction for payment via an e-mail. For example, the purchaser may be able to input the amount to be paid (the amount of electronic money), but it is preferable that the amount included in the payment instruction is set in advance on the ESApp or the WEB site. If the amount is set, erroneous input will be suppressed.

-The escrow service server 1 may notify the seller terminal 3 of the completion of payment and the shipping instruction not by e-mail but by ESApp, WEB site, or the like.
-The escrow service server 1 may notify the purchaser 20 of the completion of payment by e-mail, ESApp, WEB site, or the like.

-The escrow service server 1 does not have to be provided with the account management unit 16.
-Even if the balance of the account has not reached the upper limit or the lower limit, an amount larger than the amount settled in each transaction may be paid out or replenished as necessary. As a result, the number of times of cashing and purchasing of electronic money can be reduced, the time and effort required for cashing and purchasing electronic money can be reduced, and the fee paid to financial institutions and electronic money management organizations at the time of cashing and purchasing can be reduced. Can be reduced.

-In the above embodiment, the escrow service server 1 illustrates a case where two types of electronic money, a first electronic money and a second electronic money, can be used for payment and receipt. However, not limited to this, in the escrow service server, the number of accounts whose balance can be grasped may increase, and the types of electronic money that can be used for payment and receipt may increase. As a result, the convenience of electronic money can be enhanced.

The escrow service server pays at least one or more of one or more currencies, one or more credit cards, one or more debit cards, one or more prepaid cards, etc., in addition to a plurality of types of electronic money. May be selectable.

The technical idea that can be grasped from the above-described embodiment and modified example will be described.
-The account management unit is another account that is an account of a type of electronic money different from the electronic money that has been paid out, and all or part of the amount corresponding to the electronic money that has been paid out is the other account. An escrow payment system for electronic money that replenishes the other accounts with a low sufficiency rate for the upper limit value or the lower limit value set in.

According to such a configuration, funds are transferred from an account with a high balance to an account with a low balance among a plurality of accounts managed by the escrow service server 1, so that deposits and withdrawals to the outside can be reduced. Highly convenient for management.

-The account management unit sets the electronic money that needs to be replenished in the other account, which is an account of a type of electronic money different from the electronic money that needs to be replenished. An escrow payment system for electronic money that is replenished by remittance from the other account, which has a high satisfaction rate for the upper limit value or the lower limit value.

According to such a configuration, funds are transferred from an account with a high balance to an account with a low balance among a plurality of accounts managed by the escrow service server 1, so that deposits and withdrawals to the outside can be reduced. Highly convenient for management.

1 ... Escrow service server, 2 ... Buyer terminal, 3 ... Seller terminal, 4 ... First electronic money server, 5 ... Buyer account, 6 ... Second electronic money server, 7 ... Seller account, 8 ... Delivery management Server, 9 ... Escrow service application (ESApp), 11 ... Transaction information acquisition department, 12 ... Payment processing department, 13 ... Electronic money brokerage department, 14 ... Payment delivery processing department, 15 ... Delivery monitoring department, 16 ... Account management department , 17 ... Transaction information holding unit, 20 ... Buyer, 30 ... Seller, 41 ... First account, 61 ... Second account, 101 ... Transaction information, 102 ... Purchaser information, 103 ... Seller information, 104 … Product information, N… Network.

Claims (10)

An escrow payment system for electronic money equipped with an escrow service server that enables the use of electronic money for escrow payment in product transactions.
The escrow service server
The transaction information acquisition department, which converts sales information and purchase information into transaction information,
The escrow service, which is the first account lent by the first electronic money server that manages the distribution of the first electronic money of the same type as the type specified for payment from the purchaser in the purchase information. The escrow service server notifies the transaction information to the first account for which the server grasps the balance. The escrow service server recognizes that the payment from the purchaser's account according to the payment instruction of the purchaser has been completed, and the payment is made. The payment processing department that notifies the seller that it has been completed,
In response to the receipt of the product receipt notification from the purchaser who has deposited in the first account, the amount equivalent to the payment of the first electronic money deposited in the first account from the purchaser's account. The escro service provides the second electronic money, which is the corresponding amount of the second electronic money and is the type specified for receipt by the seller in the sales information as a type different from the first electronic money. The second electronic money server that manages the distribution of the second electronic money, which is the second account of the second electronic money whose balance is grasped by the escro service server in response to the payment instruction of the server, lends it. An escrow payment system for electronic money, which includes a payment delivery processing unit that transfers money from the second account to the seller's account and notifies the seller of the completion of the transfer. The escrow service server notifies the purchaser of the sales information in response to receiving the sales information from the seller, and receives the purchase information from the purchaser as a response to the sales information. The escrow payment system for electronic money described in 1. The escrow payment system for electronic money according to claim 1 or 2, wherein the escrow service server receives the sales information and the promise document from the seller, and notifies the purchaser of the sales information and the promise document. .. The escrow payment system for electronic money according to claim 3, wherein approval or disapproval of the promised document is registered in the escrow service server when the purchaser registers the purchase information. The escrow payment system for electronic money according to any one of claims 1 to 4, wherein the escrow service server complements the contents of the purchase information registered by the purchaser with the sales information from the seller. Based on the transaction information, the payment receiving processing unit notifies the purchaser of the amount of the first electronic money to be remitted to the first account, and at the same time, the first electronic money deposited in the first account. The escrow payment system for electronic money according to any one of claims 1 to 5, which determines whether or not the amount of electronic money in 1 is appropriate. It is possible to acquire the shipping information of the product from the delivery management server that manages the delivery of the product.
The payment receiving processing unit receives a predetermined refund when the shipping information of the product cannot be obtained from the delivery management server after a predetermined period has elapsed after the payment receiving processing unit notifies the seller of the completion of the payment. The escrow payment system for electronic money according to any one of claims 1 to 6, wherein the first electronic money whose deposit has been completed in the first account is refunded to the purchaser's account under the conditions. It is possible to acquire the delivery information of the product from the delivery management server that manages the delivery of the product.
When the purchaser cannot receive the product receipt notification, the payment delivery processing unit receives a predetermined payment condition after a predetermined period has elapsed from the confirmation of receipt of the product based on the delivery information from the delivery management server. The escrow payment system for electronic money according to any one of claims 1 to 7, wherein the second electronic money in an amount corresponding to the payment equivalent amount is remitted to the seller's account. It is provided with an account management unit that manages the balance of the first account and the balance of the second account.
The account management unit pays out electronic money from the first account and the second account whose balance exceeds the set upper limit value, and the balance is set. The escrow payment system for electronic money according to any one of claims 1 to 8, which performs at least one process of replenishing electronic money for an account that has fallen below the lower limit. An escrow payment method for electronic money performed on an escrow service server that enables electronic money to be used for escrow payment in product transactions.
A transaction information acquisition process that converts sales information and purchase information into transaction information,
The escrow service, which is the first account lent by the first electronic money server that manages the distribution of the first electronic money of the same type as the type specified for payment from the purchaser in the purchase information. The server recognizes that the payment from the purchaser's account has been completed according to the purchaser's payment instruction to the first account for which the balance is grasped, and receives the payment to notify the seller that the payment has been completed. Processing process and
In response to the receipt of the product receipt notification from the purchaser who has deposited in the first account, the amount equivalent to the payment of the first electronic money deposited in the first account from the purchaser's account. The escro service provides the second electronic money, which is the corresponding amount of the second electronic money and is the type specified for receipt by the seller in the sales information as a type different from the first electronic money. The second electronic money server that manages the distribution of the second electronic money, which is the second account of the second electronic money whose balance is grasped by the escro service server in response to the payment instruction of the server, lends it. An escrow payment method for electronic money, which comprises a payment delivery processing step of transferring money from the second account to the seller's account and notifying the seller of the completion of the transfer.

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