JPH10187830A - System, method for money payment, merchandise exchange or duty provision discrimination for merchandise buying and selling and recording medium recording program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To attain the proper provision of merchandise or duty and the proper pay-back of price to be paid by providing a deposit institute between seller and buyer and passing through various means. SOLUTION: Concerning a money payment and merchandise exchange discrimination system for merchandise buying and selling or duty provision composed of a paid money reception discriminating means by the deposit institute for discriminating the reception of price to be paid from the buyer, number specifying means for specifying a buyer password number, seller password number and account number, deposit institute reporting means, buyer reporting means for reporting and seller confirmation input discriminating means, this system is based on a pay-back means for paying the price back to the seller after the lapse of deposit period when it is discriminated by the seller confirmation input discriminating means and a buyer confirmation input discriminating means that the exchange or the like of payment and merchandise is properly executed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a recording medium for recording a system, a method and a program for discriminating payment of money from a depositary institution and delivery of goods or provision of services at the time of goods transactions or provision of services.

[0002]

2. Description of the Related Art Until now, the most common way to pay for sales and delivery of goods when selling goods, or to pay and provide services when providing services, is to perform delivery of goods or provision of services and exchange of money. Transaction. Further, when the buyer informs the seller of his intention to purchase the product, the buyer deposits the price of the product in an account designated by the seller in advance, and the seller delivers the product to the buyer after confirming the payment. Alternatively, the payment is made before the service is provided, and then the service is provided, or
Generally, the service is paid after the service is provided.

[0003] In addition, regarding the sale of goods in computer communication, etc., the buyer gives the number of his / her credit card or bank account to the seller in advance and prepares for the withdrawal of the goods, and then delivers the goods and withdraws the money from the credit card or the bank account. What to do. In addition to the sale and purchase of these products, a request for payment is made after the provision of information regarding the provision of services, for example, the provision of information on the Internet, and the payment is made based on the request.

[0004]

First of all, it is difficult to exchange the actual goods and the money on site when selling goods or providing services in mail-order sales or computer communication. In this case, if the buyer deposits the price of the goods or services into the account specified by the seller in advance, the goods may not reach the buyer at a later date or the appropriate services may not be provided. I have. On the other hand, there are cases where payment is not made at a later date even if the goods are sent earlier or the service is given. In particular, in computer communications, etc., it is necessary for the buyer to show his credit card or bank account number to the seller, and only the price will be deducted before delivery of the product or provision of services, delivery of the product itself or delivery of services Offers may not be provided.

[0005] Further, in this computer communication or the like, a credit card or a bank account number may be misused. Therefore, in providing services and mail-order sales using communication devices such as computer communication, which will increase particularly in the future, some means for properly selling and selling goods and providing services is desired. In addition, electronic money, which will be used frequently in the future, has a numerical value with monetary value,
It is expected that payment for the sale of goods or provision of services will be made, but cash transactions for cash on delivery will not be performed, so payment of money for sales of goods or provision of services and delivery or provision of services will be performed correctly. Some measures are desired.

[0006]

SUMMARY OF THE INVENTION The present invention solves the above-mentioned drawbacks, and makes it possible to properly secure the payment price in the sale of goods or the provision of services, to properly deliver the goods, and to provide the services properly. In order to carry out a commercial transaction, the invention according to claims 1 to 5 is basically a method of depositing and paying a payment price between both a buyer and a seller when paying for goods and delivering the goods. In the system or method for determining the payment and sale of goods by a depositary institution that pays out the goods after the elapse of the deposit period after the confirmation of the delivery of the goods, it is determined that the buyer has paid the deposit in the deposit account or the deposit account. Means for determining whether or not payment is made by the depository; and means for determining whether or not payment is made by the depository. If the deposit institution determines that the deposit has been made, the depository specifies the buyer's password, specifies the seller's password and specifies the account number, and the number by the respective number specifying means or step. Depositary institution notification means or step of contacting the buyer with the buyer's PIN, the seller's PIN and the account number after the identification, and the buyer instructs the seller to indicate the buyer's intention to purchase the goods. Buyer notification means or step for notifying the seller PIN and account number, and seller confirmation input determination means or step for the depository to determine that the seller has confirmed the deposit to the deposit account or deposit account of the buyer, Depositor's buyer confirmation input discrimination to determine that the buyer has confirmed the buyer's delivery of the product from the seller By means of steps or steps, the depositing institution can justify the payment of the goods into the deposit account or the depository account and the delivery of the goods by means of the payment money receipt discriminating means or step and seller confirmation input discriminating means or step and buyer confirmation input discriminating means or step. Achieved by using a system or method for determining payment and merchandise related to merchandise sales by means of refund means or steps for paying the merchandise from the deposit account of the buyer or the seller to the seller after the elapse of the deposit period. it can.

Next, a sixth aspect of the present invention is the basic invention of the present invention described above, which is a system or method for paying money and providing services when providing services when providing services. The above object can also be achieved by the above.

[0008] The invention according to claim 7 is a method for depositing and paying a payment for a buyer between both a buyer and a seller in the case of payment of money in connection with the sale of goods or provision of services and delivery of goods or provision of services. A record that records a program that confirms the seller's delivery of goods or the provision of services, and pays money for buying or selling goods or providing services, and determines whether the goods are delivered or provided by a depositary institution that reimburses the payment after the deposit period. Medium, the program allows the deposit account or the deposit account to determine that the buyer has paid the payment amount, and when it is determined that the payment has been made, specifies the buyer PIN number, the seller PIN number, and the account number. The seller's confirmation that the seller has confirmed the deposit into the deposit account or the deposit account of the buyer. The buyer's confirmation that the buyer has confirmed the delivery of the goods or the provision of the services of the buyer is determined, and the payment of the buyer and the delivery of the goods or the provision of the services of the seller are performed by the determination of the seller's confirmation input and the determination of the buyer's confirmation input. If it is determined that the payment has been made, payment of the payment for the sale of goods or provision of services by the depository that enables payment of goods to the seller from the deposit account of the buyer or the deposit account after a certain period of time, and determination of delivery or provision of services The above object can be achieved by using a program recording medium according to a seventh aspect of the present invention.

[0009]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a schematic diagram of the present invention, showing a system for determining the payment of goods and the delivery of goods at buyers, sellers and depository institutions. First, the buyer deposits the price of the desired product into the depository. With this deposit, the deposit institution confirms that there is a deposit from the buyer by means of the payment receipt. As a result, the basis of payment of the payment is first secured. In this case, in FIG. 1, the deposit is paid to the depositary institution,
In addition to this, for example, create a bank account at a normal financial institution,
The buyer makes a deposit to this bank account. Thereafter, the buyer may create a deposit account for the deposit at the deposit institution to confirm that the buyer has received the deposit. Alternatively, the depositing institution may confirm the payment in the bank account and contact the depositing institution while cooperating with the financial institution.

[0010] Next, when the deposit payment is confirmed by the above-mentioned means for determining the payment of the payment, the depository specifies the respective numbers of the buyer's password, the seller's password and the account number by the number specifying means. The buyer password is a procedure number for the deposit account of the buyer, and the seller password is a procedure number for the account of the seller. The account number is the number of the account in which the deposit is deposited. Therefore, the bank account number may be a specific account of a depositary institution, or this bank account number may be used as an account number for depositing, particularly when payments are pooled in a bank account of a financial institution. Apart from the bank account, the account number of a special deposit account for operating this system may be specified separately from the bank account. It is safest to use each of these numbers, especially in a single transaction, but it is not limited to this.For example, if the buyer is the same person, the buyer's personal identification number, or if the buyer and seller are the same, The buyer PIN and the seller PIN may be used as they are in different transactions. At the same time, the same account number may be used for a certain buyer for the account number of the buyer. That is, for the same account number,
The previous number of the same person may be specified again.

Next, these numbers are communicated to the buyer by a depository institution notifying means which is first notified to the buyer. The notification of each of the numbers allows the buyer to confirm that the payment for the goods is properly deposited and pooled in the account. Next, the buyer is contacted by a buyer notification means that notifies the seller of the seller's PIN and account number to indicate to the seller that he is willing to purchase the item and is ready to make a legitimate payment. . Next, the seller who has been notified of the seller PIN and account number by the buyer notification means has the buyer's presence, the buyer's purchase intention and account number clear, and the seller PIN has a legitimate account in the account. It becomes clear by seeing that the product price is being deposited.

The seller makes an input using the seller password to indicate to the deposit institution that a proper payment has been received. Note that, by changing the seller password by the seller, the fact that the seller has confirmed the deposit of the payment may be input to the depository. At the same time, the change of the seller password by the seller may have a means for inhibiting the function of the buyer to pay the commodity price using the buyer password. Thereby, it is possible to prevent the buyer from illegally withdrawing the payment price for the commodity transaction.

After confirming the payment, the seller delivers the goods to the buyer. After receiving the goods, the buyer confirms whether or not the goods are valid, and then uses the buyer password to make an input to indicate to the depository that the goods have been received. The deposit institution determines the receipt of payment from the buyer by means of payment payment receipt discrimination, and the seller confirmation input discrimination means discriminates the input confirming that the seller has received a valid payment, and confirms the buyer. If all items are correctly confirmed by discriminating the input of confirmation of receipt of the buyer's goods by the input discriminating means, if the seller's PIN or the changed seller PIN is used after the deposit period Refund of the product payment price.

[0014] In this case, if the input from the seller is not confirmed by the seller confirmation input discriminating means, only refund based on the buyer's password is accepted, and no payment is made to the seller. If the input from the buyer is not confirmed by the buyer confirmation input discriminating means,
After the deposit period, payment is paid to the seller. On the other hand, if the buyer does not receive the merchandise from the seller or receives a defective product, the deposit period can be extended or payment can be stopped using the buyer's password.

[0015] When the payment is refunded, the money paid by the buyer is pooled under the control of the depositary institution. In the case of the reimbursement, if the deposit is pooled in a deposit account, the payment from the account is In the case of pooling in a deposit account or the like of another related financial institution, only the target amount is refunded. By using the system according to the above process, a legitimate business transaction between the seller and the buyer can be achieved through the depository.

Next, the fourth and fifth aspects of the present invention relate to the case where the above-mentioned aspects of the invention are used as a method invention. That is,
Determining that the payment for the merchandise transaction has been secured through the process of checking the pool of funds paid by the buyer in the step of determining the deposit payment by the depository that determines that the buyer has paid the deposit in the deposit account or the deposit account. I do.

Next, when the deposit institution determines that the payment has been made in the payment deposit / incoming payment determining step, the deposit institution specifies the buyer's password in the number specifying step,
Identify the seller PIN and account number. In this way, the subsequent procedure is specified.

Next, after the number identification in the number identification step, the password of the buyer, the password of the seller and the account number are notified in a depository institution notification step in which the depository institution informs the buyer. This is for the convenience of performing each confirmation between the seller and the buyer, and as a basis for determining whether the seller and the buyer have confirmed in the future.

Next, the buyer takes a buyer notification step of notifying the seller of the seller's password and account number to indicate the buyer's intention to purchase the product. This is because the buyer completes the preparation for payment of the payment for the commodity transaction by transferring or depositing the payment into a deposit account or a deposit account, and indicates to the seller that he / she intends to buy and sell. The seller can perform the seller's procedure by being notified of the seller's password and account number by the buyer in this step. It should be noted that specific products and the like may be specified separately from buyers to sellers.

After this step, the seller's confirmation is determined in a seller confirmation input determining step in which the depository institution determines that the seller has confirmed payment to the deposit account or the deposit account of the buyer. On the other hand, when the buyer confirms that the product has been delivered from the seller, the buyer performs an input for confirmation. In order for the deposit institution to determine this input, confirmation is performed in a step of determining the buyer confirmation input of the deposit institution.

Next, in order to confirm that the merchandise has been properly purchased and sold between the seller and the buyer, the depositing institution performs a deposit payment judging step, a seller confirming input judging step, and a buyer confirming input judging step to deposit the merchandise price. It is determined whether the deposit of the account or the deposit account and the delivery of the product have been properly performed. Accordingly, the depository determines whether or not the transaction between the seller and the buyer has been correctly performed except for payment to the seller of the price, and only when it is determined that the transaction has been correctly performed, the depositor determines that the buyer has passed the deposit period. The process proceeds to a refund step for paying the merchandise price from the deposit account or the deposit account to the seller.

[0022] The depositing institution makes a direct payment, or a so-called depositing institution that contacts the financial institution and approves payment from a deposit account or the like of the financial institution intervenes between the depositing institution. Even payments are of course included. It should be noted that the seller confirmation input determining step may be a method based on a change of the seller PIN number notified by the buyer notification step by the seller. This may include a step of prohibiting reimbursement from the buyer's account by changing the seller's password as in the case of the above-described system invention.
As a result, it is possible to prevent the buyer from debiting the payment for the seller. If the buyer intends to make an immediate payment, the buyer can input the buyer's password by passing the buyer's password to the seller, and can receive the payment. Even if the input of the buyer password is not confirmed, the seller may be able to refund the payment price after the lapse of the deposit period. It secures payments to sellers to secure transactions.

Next, the invention of claim 6 is the case where the invention of claims 1 to 5 is a service in place of the goods, wherein the seller provides the service, and the buyer provides the service. It is an invention in the case of receiving the invention. In this case, a service is an effort by labor, etc., and is not limited to direct labor, but is, for example, labor obtained by activities or activation by a person other than a person, or a result obtained by labor, etc. Is not included. For example, information on a computer, a fee for using computer communication, various types of commissioning, and the like correspond. If only information is received for such services, for example, payment of information fees, the buyer's actions will end, but even in this case, a depository organization is interposed in order to ensure the suitability of commercial transactions between the seller and the buyer. This allows the user to make an appropriate commercial transaction. Therefore, the buyer pools the regular fee in advance, and the seller can provide the proper service and receive the fee, and can prevent the payment of the buyer's payment from being performed, and can not prevent the buyer from paying the legitimate service. It can be provided.

Finally, a seventh aspect of the present invention is a computer-readable storage medium storing a program for determining the payment of money, delivery of goods, or provision of services according to the first to sixth aspects of the invention by a computer. It is an invention of a recording medium. That is, between the buyer and the seller in the payment of money and the delivery of goods or the provision of services, the deposit and payment of the payment of the buyer, and the delivery of goods or the provision of services by the seller The present invention relates to a recording medium on which a program for confirming and repaying a payment after a lapse of a deposit period records payment of money in respect of buying and selling of goods or provision of services and determination of delivery of goods or provision of services.

In this case, the program firstly
This is to determine that the buyer has paid the payment amount into the deposit account or the deposit account. It is determined whether or not payment has been made, and if it is determined that payment has been made, the process proceeds to the next step. That is, when it is determined that there is no payment, the process stops at this stage, but when it is determined that the payment has been made, each of the buyer's password, the seller's password, and the account number is specified. These buyer PIN, seller PIN, and account number are the same as those in claims 1 to 6.

After this identification, each number is notified to the buyer. After receiving this notification, the buyer notifies the seller of, for example, a seller password and an account number. This makes it possible to communicate the buyer's intention to the seller. The seller confirms the deposit, but in this case also, in order to perform the discrimination by the depositary institution, the seller is required to determine the seller's confirmation input that the seller has confirmed the deposit in the deposit account or the deposit account. is there. The seller determines that he has confirmed that the price has been deposited. On the other hand, the buyer receives the delivery of the goods or the provision of services from the seller, but if the delivery or provision of the services is not properly received, the payment is not necessary, and on the other hand, the delivery of the goods or the services is performed. If you receive the payment properly, you will need to pay for it.

Therefore, it is necessary to indicate to the depository that the buyer has confirmed that the goods have been properly delivered or the services have been properly received. This is performed by the buyer's buyer confirmation input, but is performed by discriminating the buyer confirmation input. The above-described seller confirmation input and buyer confirmation input are discriminated, and if it is determined that there has been each, the commodity price can be paid to the seller from the buyer's deposit account or deposit account after a certain period of time.
If the buyer confirmation input is not discriminated and the seller confirmation input is discriminated, it means that the merchandise has not yet reached the buyer or only defective products are distributed, and no refund can be made at this time. That is, as long as the buyer cannot be confirmed, there is no need for payment from the buyer.

Next, when the buyer confirmation input is determined and the seller confirmation input is not performed, it is determined that an appropriate price has not been deposited, and the payment price cannot be refunded at this time. Usually, in such a case, it indicates that the seller has pulled in the goods etc. without confirming the payment, and if the seller delivers the goods after confirming the transaction, such a state can be avoided It is. Even in this case, if the buyer cannot pay the deposited money, the buyer can seize at least the amount.

When it is determined that there is both of the input of the seller confirmation input and the determination of the buyer confirmation input, it is possible to pay the commodity price from the deposit account of the buyer or the deposit account to the seller after a certain period of time. Things. In this case, the fixed period refers to a preparation period for making a payment after confirming both inputs, and includes not only this period but also a period for correcting inconvenience in the transaction in advance. Is also good. As described above, according to the present invention, it is intended to conduct an appropriate transaction, and can sufficiently exhibit its function even in handling electronic money which will be frequently used in the future.

[Brief description of the drawings]

FIG. 1 is a schematic diagram of the present invention.

Claims (8)

[Claims] Claims: 1. At the time of payment and delivery of goods relating to the purchase and sale of goods, deposit and payment of the payment between the buyer and seller are confirmed between the buyer and seller, and the goods are refunded after the deposit period. A system for discriminating payment of goods and product delivery by a depositary institution, wherein the depositor determines whether or not the buyer has paid the deposit in the deposit account or the depository account; When it is determined that the deposit has been made by the determining means, the depository specifies the buyer's password, specifies the seller's password, and specifies the account number. , The buyer's PIN, the seller's PIN, and the account number are each sent from the depository to the buyer. Notifying means of the trust agency, Buyer notifying means in which the buyer notifies the seller of the seller PIN number and account number to indicate the buyer's intention to purchase the product, and that the seller has confirmed that the buyer has deposited money into the account. A seller confirmation input discriminating means for the depository to identify, a buyer confirmation input discriminating means for the depository to determine that the buyer has confirmed the delivery of the goods from the seller, and Only when the payment of goods and the delivery of goods are properly performed by the payment determination means, the seller confirmation input determination means, and the buyer confirmation input determination means,
A payment and merchandise discrimination system for merchandise sales, comprising refund means for paying a merchandise price from a buyer's deposit account or deposit account to a seller after a certain period of time has passed. 2. The seller confirmation input discriminating means for discriminating that the seller has confirmed the deposit into the depositor account or the deposit account of the buyer by the depositor, the seller's password of the seller's password notified by the buyer notifying means. 2. The method according to claim 1, further comprising a means for prohibiting a payment from a deposit account or a deposit account with respect to a payment deposited in a depositary of a buyer by the change of the seller's password, due to the change. Payment and merchandise delivery system related to the purchase and sale of merchandise. 3. A commodity sales system according to claim 1, further comprising means for prohibiting the extension of the deposit period or the reimbursement of the merchandise payment price to the seller after the deposit period by inputting using the buyer's password. Payment and merchandise delivery determination system. 4. When paying and delivering goods related to the purchase and sale of goods, the buyer and the seller make a deposit between the buyer and the seller and confirm the delivery of the goods by the seller. After the deposit period, the goods are refunded. A method of determining whether a buyer pays a deposit account or a deposit account to a deposit account in the method of determining payment of goods and delivery of goods by the depository to perform the payment of money by the depository; and depositing the payment by the depository. When it is determined in the determination step that the deposit has been made, the depository specifies the buyer's password, specifies the seller's password, and specifies the account number. , The buyer PIN, the seller PIN, and the account number from the depository to the buyer A depositor notification step to contact the buyer, a buyer notification step in which the buyer notifies the seller of the seller's PIN and account number to indicate the buyer's intention to purchase the product, and the seller confirms the payment to the buyer's account A seller confirmation input determining step for the depository to determine that the depositor has performed the purchaser confirmation input determining step for the depositor to determine that the buyer has confirmed the delivery of the goods from the seller; and Only when the payment of the goods and the delivery of the goods are properly performed by the payment price payment determination step, the seller confirmation input determination step, and the buyer confirmation input determination step, the deposit account or the deposit of the buyer after the deposit period elapses. A refund step for paying the price of the goods from the account to the seller; Payment and delivery method. 5. A seller confirmation input discriminating step for discriminating that the seller has confirmed the deposit into the depositor account or the deposit account of the buyer by the depositor, the seller's PIN number notified by the buyer notifying step by the seller. 5. The method according to claim 4, further comprising a step of prohibiting a payment from a deposit account or a deposit account from a deposit account by changing the seller password. The payment method and the delivery method for the purchase and sale of the listed goods. 6. The money payment and service provision discriminating system according to claim 1, wherein the seller is a service provider, the buyer is a service recipient, and the goods are service provisions. Or method. 7. Payment and payment of money in connection with the sale of goods or provision of services, and between the buyer and seller in the delivery of goods or provision of services, deposit and payment of the payment of the buyer, and delivery or payment of goods by the seller. A recording medium for recording a program for confirming the provision of services and for paying for goods in connection with the sale or provision of services of a depositary institution and for recognizing payment of money after the elapse of a deposit period and for determining whether to deliver or provide services. The program allows the buyer to determine that the buyer has paid the payment amount in the deposit account or the deposit account, and when it is determined that the payment has been made, specifies the buyer's PIN, the seller's PIN, and the account number, Let the seller confirm that the seller has confirmed the deposit into the deposit account or the deposit account, and deliver the goods from the seller Alternatively, it is determined that the buyer has confirmed the provision of the service by the buyer confirmation input, and by the determination of the seller confirmation input and the determination of the buyer confirmation input, it is determined that the payment of the buyer and the delivery of the seller's product or the provision of the service have been performed. In the event that a certain period of time elapses, a program that performs payment of money in relation to the purchase or sale of goods or provision of services from a depository institution that enables payment of goods to the seller from the buyer's deposit account or deposit account after the elapse of a certain period, and determination of delivery of goods or provision of services. The recording medium on which it was recorded. 8. A refund means or step for paying a commodity price from a deposit account of a buyer or a deposit account to a seller after a lapse of a deposit period, when the refund of the payment price is properly performed by inputting a seller secret key. 8. A recording medium on which the money payment and service provision discriminating system, method or program according to claim 1 is recorded.