JPH10207956A - Electronic settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To prove at least the existence of commodities and the existence of the amount settlement money in electronic commercial transactions in the case of construction of a virtual city by generally performing a commodity cancel processing and a processing based on a cooling-off period as rule on an electronic virtual space. SOLUTION: A user UR, an electronic wallet server EWS, a cybernetic shop server CSS, and a transport company server TCS which are connected to a Laputa commerce server LCS communicate with, provide, and secure each other through the LCS. The cancel processing of commodities across components and the processing based on the cooling-off period are generally prepared as a rule on the electronic virtual space. Thus, the existence of commodities and the existence of settlement price are secured based on order reception/ordering management and commission settlement management related to electronic commercial transactions on the electronic virtual space represented by what it called the Internet where the safety of commercial transactions in the electronic virtual space beyond space time are secured.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system, and more particularly to an electronic payment system in a virtual space area, which secures the security of ordering a product remotely, performing settlement with the ordered product, and actually delivering the product. It relates to an electronic payment system to be built.

[0002]

2. Description of the Related Art As shown in FIG. 15, a settlement system which has been distributed conventionally has a user and an EC (Erctr).
A business transaction is performed between the licensing parties and the settlement time is classified into three types.

The first category is, as shown in FIG. 15 (a), when the settlement time is at the time of delivery. When the user places an order with the EC, the EC side performs self-delivery to the user, and at the time of delivery. Is a system for collecting money.

[0004] The second category is a method in which a user makes a reservation with an EC to purchase an article, as shown in FIG. 15 (b). The settlement time in this case is, for example, when the user visits a store. Settle at times.

In the third category, as shown in FIG. 15C, when a user places an order with an EC, an article is delivered from the EC and a bill is also issued. This settlement time,
Automatic debit within a few months, monthly settlement, settlement when it occurs, etc.

[0006] In order to purchase commodities in these three types of settlement systems, there are money or electronic money circulating in society.

Electronic money is of a credit type,
There are network type, combination of network and IC card, and IC card type.
These are all used as substitutes for currency circulating in society. For example, when purchasing a product with an IC card, when the desired product is specified, the payment by the IC card is performed by a different route at a later date, as if the IC card paid the price. Is performed by the method described in

[0008] In addition to such an IC card, there is also a settlement using an IC card used in a cash society like a current credit card. In the settlement using a so-called mondex type IC card, first, a contract is made with a financial institution such as a bank to open an account for an electronic wallet server and deposit the money. Then, an IC card containing a personal identification number and an encryption key is issued. IC via communication line
Transfer electronic money (EM) from the electronic wallet server deposit account to the card.
The IC card can be used only for the transferred EM, so that a predetermined amount can be used for the IC card.

Further, in such commercial transactions using electronic money, it is important to secure security. To this end, (1) an ID + password, and (2) a communication encryption system (for example, using a security card) (3) Digital signature system, (4) The entire business flow forms a single security mechanism, etc., thereby ensuring security.

[0010]

However, the electronic money used in the commercial transaction described in the above-mentioned prior art is a settlement system in a virtual space by a so-called card company which is an alliance type with a credit card.
Since it does not include a transport company server that distributes and manages products, a cyber shop server that arranges and manages multiple products, and does not have a system that mutually approves and guarantees, virtual There is a problem that it is not possible to prove the existence of a product that is important in commerce in space and to prove the settlement amount.

[0011] Therefore, in the electronic commerce in the case of constructing a virtual city, there is a problem to be solved to a system which can at least prove the existence of a product and the settlement amount.

[0012]

In order to solve the above-mentioned problems, an electronic payment system according to the present invention comprises a user who orders and purchases a product via a terminal device, and gives the user a purchase payment for the product. One or more electronic wallet servers that control the accounting, including depositary actions performed to prove and assure that
A plurality of cyber shop servers that stock the products purchased by the user and manage ordering with single or multiple product suppliers, and information on automatic delivery and collection of the products selected by the user. One or more transport company servers that collect, collect, deliver and manage the goods, and certify that the delivery is complete; and the user, the electronic wallet server, and the cyber shop server. It is connected individually to each of the transport company servers via a communication line, and the connected whole is systematically integrated and the transaction history is recorded on a database.
A laputa commerce server for storing and certifying the existence of the final product based on a cooling off period preset by a cooling off system, each of which is connected to the laputa commerce server. The user, the electronic wallet server, the cyber shop server and the transport company server report, certify, and guarantee each other via the Laputa Commerce Server, and cancel the goods and That is, the processing based on the cooling-off period is universally ruled and performed in the electronic virtual space.

[0013] The electronic payment system thus configured is
Electronic commerce can be compared electronically between the user's funds and the merchandise inventory of the manufacturer that sells the product in advance in commerce through the communication line, and the user's funds are guaranteed by the electronic wallet server by deposit, Can be guaranteed by the cyber shop server and the delivery of goods can be guaranteed by the transport company server, which can secure the security of commercial transactions in the electronic virtual space beyond space and time, specifically, It is possible to construct a commercial transaction system that guarantees the existence of a product and its settlement price based on order management, distribution management, and deposit settlement management related to electronic commerce in an electronic virtual space represented by the Internet.

[0014]

Next, an electronic payment system according to the present invention will be described with reference to the drawings.

In the electronic settlement system according to the present invention, as shown in FIG. 1, a user (User; UR) who orders and purchases a product through a terminal device, and the user UR has a payment for purchase of the product. One or more electronic wallet servers (Ele) that manage the cash accounting, including depositary activities performed to prove and guarantee
tronic Wallet Server; EW
S) and a plurality of Cyber Shop Servers (Cyber Shop Servers) that collect and sell the products purchased by the user UR on this system, and perform order management for single or multiple product suppliers for that purpose.
CSS) and automatically collects information on the delivery and collection of the product selected by the user UR from the system, performs collection, delivery, and management of the product, and certifies that the delivery is completed. One or more transport company servers (Tran
(Sport Company Server; TCS)
And the user UR, the electronic wallet server EWS, the cyber shop server CSS, and the transport company server TCS individually and individually connected via a dedicated or public communication line. Systematically integrate, record and store transaction history on a database (Data Base; DB), and prove the existence of the final product by counting down the cooling-off period preset by the cooling-off system. Laputa Commerce Server (Laputa Commerce)
e Server; LCS).

The electronic wallet server EWS is connected to a bank server of a financial institution via Ethernet to form an intranet, and the electronic wallet server EWS forming the intranet is a Laputa commerce server via the Internet. Electronic Wallet Duplicate server with Ethernet connection to LCS
nt Server (EWDS). The connection between the electronic wallet server EWS and the laputa commerce server LCS via the electronic wallet duplicant server EWDS in the case of a system using CGI or SSI is directly written to the other party. Compared to the system, double transactions occur in requests and answers, so traffic becomes twice as dense. In addition, processing by the daemon program requires frequent access, which puts a heavy load on traffic. . Because the traffic is so overcrowded,
Problems such as excessive communication time and loss of data occur. Therefore, electronic wallet
The Duplicant Server EWDS has been set up, and Ethernet has been used to solve problems such as excessive communication time and data loss.

The cyber shop server CSS is
A plurality of wholesalers (WSs) and a plurality of factories (FCs) form an intranet to form a CALS, and the cyber shop server CSS is connected to the cyber computer of the Laputa Commerce server LCS via the Internet. Shop Duplicant Server (Cyber Shop)
Duplicate Server (CSDP). The connection to the Laputa Commerce Server LCS via the Cyber Shop Duplicant Server CSDP is based on the above-mentioned Electronic Wallet Duplicant.
For the same reason as the server EWDS, CG
In the case of a system using I or SSI, traffic is doubled due to double transactions occurring in requests and replies, and processing by the daemon program requires frequent access. Overload, traffic becomes overcrowded, communication takes too much time, and data is lost.Therefore, a cyber shop duplicant server CSDP is installed to support communication via Ethernet. It solves problems such as taking too much time and losing data.

Transport Company Server T
CS constructs an intranet from a plurality of branches (BR) to form a CALS, and the Transport Company Server TCS is a transport company Duplicant of the Laputa Commerce Server LCS via the Internet.・ Server (Transport Company Duplicate)
Ant Server (TCDP). The connection to the Laputa Commerce Server LCS via the Transport Company Duplicant Server TCDP is for the same reason as the above-mentioned Electronic Wallet Duplicant Server EWDS, and the CGI
In the case of a system using SSI or SSI, double transactions occur in requests and replies, so traffic becomes twice as dense, and processing by the daemon program requires frequent access. Since it overloads the network and overloads the traffic, causing problems such as taking too long communication time and losing data, the Transport Company Duplicant Server TCDP is installed and used for Ethernet communication. It solves problems such as taking too much time and losing data.

The Laputa Commerce Server LCS is
Cyber Shop Duplicant Server SSDS connected to the Cyber Shop Server CSS via the Internet, Electronic Wallet Duplicant Server EWDS connected to the Electronic Wallet Server EWS via the Internet, and Transport A Transport Company Duplicant Server TCDS, which connects via the Internet to the Company Server TCS, each of which is connected to the Laputa Commerce Server LCS via Ethernet. The Laputa Commerce Server LCS is connected to a plurality of users UR via the Internet.

The electronic payment system configured in such a connection state includes a user UR connected to the Laputa Commerce server LCS, an electronic wallet server EWS, a cyber shop server CSS, and a transport company. Server T
Reporting, certification, and assurance between the CS and the CS are performed via the Laputa Commerce Server LCS, and the rules for canceling products across components and processing based on the cooling-off period are universally defined in the electronic virtual space. This is the order-order management, logistics management and deposit settlement management for electronic commerce in the electronic virtual space represented by the so-called Internet, which secures the security of electronic commerce in the electronic virtual space beyond space and time. Based on this, a system that guarantees the existence of a product and its settlement price can be realized.

In the electronic payment system configured as described above, the proof of the existence of the product by the notice of the delivery date and the establishment of the contract by the deposit system by guaranteeing the existence of the settlement amount by the deposit, the protection of the consumer, and the ultimate protection of the consumer. The introduction of a cooling-off system to prove the existence of new products, the introduction of a deposit reporting system as security against theft of passwords, and the introduction of a cooling-off alarm system to secure consumer protection and security against product returns.
A notification system that introduces an inspection processing system that protects sellers who sell products on the cyber shop server side and a notification system that introduces the concept of notification in order to secure the entire system has been constructed.

That is, the transmission and reception of data between the electronic wallet server EWS, the cyber shop server CSS, the transport company server TCS, and the laputa commerce server LCS are as follows.
By making a request to a predetermined partner server by CGI or SSI or a system having a function equivalent thereto, mutually search the database DB of the partner,
Data is not tampered with by reading and not directly writing to the partner database DB.

The transmission and reception of data from the user UR to the Laputa Commerce Server LCS is performed by CGI
(Commo Gateway Interface) or SSI (Server Side Include)
Or by a system with equivalent or better functionality, only requests from user UR,
Laputa Commerce Server LCS from User UR
The structure is such that data falsification cannot be performed by eliminating direct writing to the data.

Also, the user UR, the cyber shop server CSS, or the transport company company
The information of the server TCS or the electronic wallet server EWS is automatically stored in the Laputa Commerce Server LCS by the timer operation program or the constant operation program by the user UR, the cyber shop server CSS, the transport company server TCS, and the electronic.・ A request is issued to each of the wallet servers EWS, and the user UR, the cyber shop server CSS, the transport company server TCS, and the electronic wallet server EWS each perform CG.
Information is transmitted and received by generating I or SSI and responding to the Laputa Commerce Server LCS.

FIG. 2 is a block flow diagram showing a so-called deposit system showing the establishment of a contract with a deposit, that is, the proof of the existence of a product by notification of a delivery date and the establishment of a contract by guaranteeing the existence of a settlement amount by the deposit. .

First, the user UR uses the form of the order form on the Laputa homepage to store the delivery destination, registration delivery date, and the like in the database DB of the Laputa Commerce Server LCS.
An order content including a product number, a product name, a quantity, a unit price, an amount, and the like is registered (ST100).

A CRON program resident in the cyber shop server CSS and having a function of performing a search at arbitrarily determined time intervals is provided by Laputa.
The database DB of the commerce server LCS is searched, and an order form without a flag or an order form with a "balance shortage elimination flag" and a "retransmission request flag" is extracted (ST101).

Cyber shop server CSS C
ALS (Continue Acquisition)
and Lifecycle Support) searches the database DB to calculate the delivery date of each item of the order form (ST102).

Cyber shop server CSS sends delivery date data to CA of cyber shop server CSS
Received from LS and registered in database DB (ST1
03).

In the Laputa Commerce Server LCS, a daemon (DAEMON) program which is always operating underground and has a function of immediately responding to the occurrence of an event searches the delivery date data of the cyber shop server CSS. Database DB
(ST104).

The user UR uses a meta tag program, which is an HTML (Hyper Text Markup Language) program that operates at an arbitrary time on the terminal, on a Laputa homepage.
The delivery date data in the database DB of the commerce server LCS is searched and read (ST105).

If there is a delivery notice, the delivery notice indicator flashes and a delivery notice screen is displayed (ST1).
06). If you don't have an availability and are out of stock,
The out-of-stock indicator flashes and is displayed on the notification screen (ST107).

When the delivery date is approved, the delivery date approval button is clicked (ST108), and a request for the delivery date approval is made to the HTTP of the Laputa Commerce Server LCS (ST1).
09), CGI program, that is, HTTP (Hype
r Text Transfer Protocol)
A CGI program that operates in response to an external request and has a function of returning a result of the request to the sender of the request. The CGI program stores a flag in the database DB of the Laputa Commerce Server LCS that the contract has been established. (ST110).

If the delivery date is canceled, the user clicks the cancel button (ST111). Then, a cancellation process is requested to the HTTP of the Laputa Commerce Server LCS, the temporary file for the order form in the database DB of the Laputa Commerce Server LCS is deleted, and the cancellation is registered in the database DB (ST
112, ST113).

In this way, the delivery date of the product and the proof of the existence of the product can be determined by the user UR ordering the product to the cyber shop server CSS via the laputa commerce server LCS, by the cyber shop server CSS. The Laputa Commerce Server LCS detects that a product order has been received from the user UR, and upon detecting this product order, the database DB of the cyber shop server CSS or the cyber shop server CSS It is possible to calculate the simple delivery date of the product by performing a stock search for the product ordered by the user UR to the client.

The final delivery date up to the delivery location specified by the user UR is calculated by matching the simple delivery date with the number of days required for delivery at the delivery location specified by the user UR, and the product is delivered through the Laputa Commerce Server LCS. By sending the final delivery date back to the user UR, the existence of the product can be proved.

On the other hand, when the order contents of the order form are registered in step ST100, the electronic wallet server EWS is operated by the daemon program to execute the database DB of the Laputa Commerce server LCS.
Is retrieved, and an order sheet with no flag set or an order sheet with the "insufficient balance flag" and "retransmission request flag" set is extracted. Then, the balance of the registered user UR in the electronic wallet server EWS is compared with the purchase amount, and “purchase availability” is stored in the database D.
B (ST114).

The daemon program of the Laputa Commerce Server LCS searches the database DB of the electronic wallet server EWS, extracts new data on "purchase availability", and
Is set to "purchase permission" (ST115).

If the purchase is possible, a purchase possible flag is set, and if the purchase is not possible, a purchase non-prohibition flag is set, and notification is made by e-mail (ST116, ST117).

Also, the meta tag program on the Laputa homepage searches for the balance shortage flag, and displays the input / cancel input / cancel input format if any, and the metaputation program on the Laputa homepage searches for the "balance shortage flag". Blinks the indicator of (ST118,
ST119).

If the deposit processing is performed, step ST is repeated.
The processing is executed from steps 101 and ST114. In the case of the cancel processing, cancel is selected (ST120).

The daemon program of the Laputa Commerce Server LCS deletes the temporary file for the order form, sets a cancel flag in the database DB, and the daemon program of the Electronic Wallet Server EWS searches the Laputa Commerce Server LCS. When the cancel flag is found, the data based on the order code is deleted from the database DB (ST121,
ST122).

In parallel with proving the existence of the commodity in this way, the electronic wallet server EWS detects the commodity order of the user UR, and the electronic wallet server EWS for the settlement amount of the ordered commodity. By searching the size of the deposit balance of the user UR in the user and notifying the search result to the user UR and the cyber shop server CSS via the Laputa Commerce Server LCS, the existence of the settlement amount can be guaranteed. .

Also, the existence of this product is proved by the cyber shop server CSS, and the electronic wallet server EWS proves that the deposit balance is equal to or larger than the settlement deposit balance, and the user UR is finally determined. If the Laputa Commerce Server LCS is notified that the delivery date will be accepted, the Electronic Wallet Server EWS shall guarantee the existence of the settlement amount by depositing the equivalent of the settlement amount from the balance of the deposit. With this guarantee, it is possible to consider that the order for the goods has been completed.

When there is no product ordered from the user UR, or when the user UR is dissatisfied with the final delivery date, the electronic wallet server E performed via the laputa commerce server LCS.
If the user UR cancels the product order in response to the balance notification from WS, the product order may not be established.

When the deposit balance is smaller than the settlement amount and the user UR sends the electronic wallet server EWS via the laputa commerce server LCS
Is notified by the user U
Until R performs the payment processing, the product order is temporarily suspended.

As described above, when the purchase enable flag indicating that the existence of the settlement amount has been proved and the flag indicating that the contract has been established indicating that the existence of the commodity has been established are set, the daemon of the Laputa Commerce Server LCS is set. The program sets a “deposit flag” in the database DB and goes to the deposit notification system (ST114, ST115).

FIG. 3 is a block flow diagram showing a deposit reporting system for securing theft of a user's password and the like.

The deposit notification system is a system for matching a person who intends to purchase a product with a true user. When a product is purchased, feedback is provided to a user who has purchased the password to achieve security. It is configured as follows.

FIG. 3 is a block flow diagram thereof. First, in the deposit system described with reference to FIG. 2, it is assumed that a deposit flag is set in the database DB by the daemon program of the Laputa Commerce Server LCS (FIG. 3). ST116).

[0051] The meta tag program of the user UR's Laputa homepage is Laputa Commerce Server LC.
A request is made to the HTTP of S for the presence or absence of the deposit flag in the temporary file in the user directory (ST
117).

When the deposit flag is on, the deposit indicator of the user UR blinks, and when there is no deposit flag, nothing is done (ST118, ST119).

At this point, the user UR can input "accept" or "cancel".

When the user UR inputs a cancellation, the deposit flag is deleted, and a request is made to the Laputa Commerce Server LCS to delete the temporary file in the user directory (ST120, ST1).
21).

Upon receiving this request, the Laputa Commerce Server LCS deletes the deposit flag in the database DB and deletes the temporary file in the user directory (ST122).

When the deposit flag is deleted, the blinking of the deposit indicator ends (ST123).

On the other hand, when the user inputs the consent, a request for a deposit approval flag is made to the Laputa Commerce Server LCS (ST124, ST125).

[0058] Laputa Commerce Server LCS H
The TTP creates a deposit approval CGI and registers the deposit approval in the temporary file in the user directory and the database DB (ST126).

The electronic wallet server EWS searches the database DB of the Laputa Commerce server LCS and, if there is a deposit approval flag, sets a deposit flag in its own database DB (ST12).
7).

The bank server searches the database DB of the electronic wallet server EWS, and if there is a deposit approval flag, executes the deposit process (S
T128).

In this way, when the user UR approves the delivery date of the product and the existence of the settlement amount by the electronic wallet server EWS is proved, the deposit flag is set in the laputa commerce server LCS, and the user UR is set. Detects that the deposit flag is on, the user UR can visually confirm that the deposit flag is on, and visually determine whether the genuine user has purchased the product.

When the user UR inputs an acknowledgment by inputting an acknowledgment or a cancellation, the electronic wallet server EWS detects the acknowledged escrow flag, and deposits the deposit amount and the settlement amount of the product. Thus, financial security can be attained by performing the settlement processing with.

When the user UR inputs a cancel, it is determined that this is not the purchase of a product of the true user UR, and the Laputa Commerce server LCS
Detects the canceled deposit flag and deletes the data field of the commercial transaction.

FIGS. 4 to 6 show a cancellation system for protecting consumers.

In the cancellation system for protecting consumers, that is, in the canceling process for a product order performed by a user, the data field for commercial transactions is still created on a recording medium, for example, a database by the Laputa Commerce Server LCS. It is valid only in two stages from the time of ordering the product to the time before the delivery date is approved and the time when the Laputa Commerce Server creates the data field for the commercial transaction on the recording medium from the time of the date of the date of delivery approval to before the delivery certificate is issued. I have.

The case where the data field has not been created means that the Laputa Commerce Server LCS has finished without executing the creation of the data field, and the case where the data field has been created means that the Laputa Commerce Server has not been created. The server LCS deletes this data field.

FIG. 4 is a block flow diagram showing a cancellation process from the time when the user UR acknowledges the delivery date of the product until the time when the product is delivered.

First, when the user UR inputs and transmits a cancel using the cancel format, the CGI of the Laputa Commerce Server LCS sets a cancel flag in the temporary file and the database DB (ST130, S130).
T131).

The daemon program of the electronic wallet server EWS searches the user directory of the Laputa Commerce server LCS, and if there is a cancel flag, sets a cancel flag in its own database DB (ST132).

[0070] Transport Company Server T
The CS daemon program searches the user directory of the Laputa Commerce Server LCS and, if there is a cancel flag, sets a cancel flag in its own database DB (ST133).

The daemon program of the cyber shop server CSS is executed by the Laputa Commerce Server L
The CS user directory is searched, and if there is a cancel flag, the cancel flag is set in its own database DB (ST134).

In this way, each server EW
The cancel flag processing is performed in S, TCS, CSS, and the daemon program of the Laputa Commerce Server LCS searches the database of each server, and if there is a cancel flag, deletes the temporary file in the user directory and cancels to the database DB Is registered (ST135).

Therefore, the cyber shop server C
The SS detects the cancellation processing of the user UR for the ordering of the product by detecting the loss of the data field in the Laputa Commerce Server LCS and the presence of the data field in its own database. The consumer is protected by performing the cancellation process in two stages after shipment.

FIG. 5 is a flowchart showing a process of canceling the cyber process by the cancel process.
It is a block flow diagram showing correspondence of shop server CSS.

The daemon program of the cyber shop server CSS is executed by the Laputa Commerce Server L
The CS user directory is searched, and if there is a cancel flag, the cancel flag is set in its own database DB (ST136).

If there is no delivery data in the own database before shipping, the data in the database DB is deleted (ST137).

Then, cyber shop server CS
It is registered as a canceled stock in the stock database of SCALS (ST138).

After shipping, own database DB
If there is outgoing data for the data, the database DB of the Laputa Commerce Server LCS is searched, and if there is a return / delivery completion flag for the data, all the data in the own database DB is deleted (ST139). ).

If there is a cancel flag, the file relating to the transaction in its own database is deleted, and nothing is done (ST140, ST141).

Further, in the Transport Company Server TCS, after acquiring the data of the cancellation processing, the cancellation processing is performed in three stages of before shipping, after shipping, and during delivery, so that the consumer The configuration is designed to protect the

FIG. 6 is a block flow diagram showing the correspondence of the transport company server TCS in the cancellation processing.

Transport Company Server T
The CS daemon program searches the user directory of the Laputa Commerce Server LCS, and if there is a cancel flag, sets a cancel flag in its database DB (ST142).

Before collection, if there is no collected flag in the database DB, the daemon program deletes the collected data in its own database DB after 6 hours (ST143).

After the collection, if there is a collection flag in the database DB and if there is no shipping flag, a return delivery flag is set (ST144).

Then, "returned delivery completed" is inputted, and a returned delivery completed flag is set in the database DB (ST145).

The daemon program of the Laputa Commerce Server LCS searches the database DB of the Transport Company Server TCS, and if there is a returned delivery completed flag, sets a returned delivery completed flag in the database DB (ST146).

The daemon program of the electronic wallet server EWS searches the database DB of the Laputa Commerce server LCS, and if there is a returned delivery flag, sets a deposit release flag (ST14).
7).

The daemon program of the Laputa Commerce Server LCS searches the database DB of the electronic wallet server EWS, and if there is a deposit release flag, deletes the temporary file of the data and registers cancellation in the database DB ( ST148).

Also, the daemon program of the bank server searches the database DB of the electronic wallet server EWS, and if there is a deposit release flag, releases the deposit of the data (ST149).

Then, the electronic wallet
The server EWS searches the database DB of the bank server, and if the deposit release flag data has been released, deletes the data in its own database DB (ST150).

FIGS. 7 to 13 are block flow diagrams showing the cooling-off system.

The cooling-off system is a system provided for the countermeasures against a mail order problem having a minimum cooling-off period stipulated by law, and is a system for certifying the existence of a final product, that is, consuming by mail order or the like. If a consumer purchases a product without directly checking it, the product can be returned unconditionally within the cooling-off period if the product is different from the consumer's image or is damaged or soiled. In the present invention, this return is extended and a unique period is set, and at the same time, it is also used to prove the existence of the final product.

That is, the cooling-off system is performed by the user U by the transport company server TCS.
After issuing the delivery certificate to R,
Follow the guidelines set based on the nature,
This means that companies or individuals that provide, maintain, and manage cyber shop servers function until the end of the cooling-off period that is set based on the performance and characteristics of each product.

This cooling-off system comprises a cancellation processing means for applying a cooling-off request by the user UR when returning a product, a retransmission request processing means for re-transmitting the product in response to a retransmission request from the user UR, and a cooling-off period. Processing means and transport company
Means for calculating a cooling-off release date based on the end of delivery in the server TCS;
Cooling-off warning means based on the delivery end period of the product in the server TCS, cooling-off stopping means for processing the suspension of the cooling-off from the user, and return processing of the product delivered to the user based on the cooling-off period. And cooling-off inspection processing means.

The end of the cooling-off period in the cooling-off system is regarded as the user confirming that the product is the same as the product ordered by the user, and the final proof of the existence of the product is performed. It is made to be.

FIG. 7 is a block flow diagram showing a cancellation processing means by a cooling-off application performed by the user UR when returning a product.

First, when the user UR wishes to return a product in a cooling-off format on the Laputa homepage, that is, requests a cooling-off application to the Laputa-Commerce server LCS, the CGI of the Laputa-Commerce server LCS sends the order form temporary file. Is registered in the user directory and the database DB (ST15).
1).

The daemon program of the Laputa Commerce Server LCS checks whether the cooling-off application is within the cooling-off period (ST152).

If the period is outside the period, the process proceeds to a processing routine outside the cooling-off period (processing unit outside the cooling-off period). If the period is within the cooling-off period, the daemon program sets the cooling-off flag to the temporary file and the database DB.
(ST153, ST154).

When the cooling-off flag is set, various servers start operating. First, the coulomb program of the electronic wallet server EWS extracts the cooling-off flag of the Laputa Commerce server LCS and sets the cooling-off flag in its own database DB (ST155).

[0101] The Coulomb program of Cyber Shop Server CSS is Laputa Commerce Server L
A cooling-off flag of CS is extracted, and a cooling-off flag is set in its own database DB (ST15).
6).

[0102] Transport Company Server T
The CS Coulomb program extracts the cooling off flag of the Laputa Commerce Server LCS and sets the cooling off flag in its own database DB (ST
157).

Then, the data with the cooling-off flag set is displayed on the browser of the terminal of the transport company server TCS (ST158).

Such operations (ST155 to ST15)
After step 8), the cron program of the Laputa Commerce Server LCS picks up the order file that has reached the “cooling off release date”, deletes the cooling off flag, and releases it (ST159).

Further, the cron program of the electronic wallet server EWS searches for new "cooling-off release date data" and registers the date in its own database DB (ST160).

When the cooling program of the electronic wallet server EWS searches the database DB of the Laputa Commerce Server LCS and detects that the cooling-off has been released, it compares it with the data of “cooling-off date” in its own database DB. If the date is after the "date data", a "deposit release / settlement flag" is set (ST161).

In step ST157, when the transport company server TCS sets the cooling-off flag, the shipping company registers the completion of the return delivery in the database, and passes the data to the collection / delivery system of the shipping company (ST162, ST163).

Then, the Laputa Commerce Server L
CS Coulomb program searches the database DB of Transport Company Server TCS,
If "return delivery completed" is registered, a "return delivery completed" flag is set in the database DB (ST164).

[0109] The returned merchandise is
In the server CSS, an inspection process is performed to determine whether the product is the application product, and a flag is set in the database DB (ST
165).

The Laputa Commerce Server LCS Coulomb Program is a Cyber Shop Server CS
Search the database of S, "true" of returned goods,
The "false" flag is read (ST166).

[0111] In the case of "false", an e-mail is sent to the effect that it cannot be accepted, and the data is passed to the person in charge of claim processing. "true"
In the case of, the return delivery is completed and the returned product is confirmed to be true by the flag of "return delivery completed" in step ST164, and the coulomb program of the electronic wallet server EWS changes the Laputa
The database DB of the commerce server LCS is searched, and if the above flag is searched for and found, a flag of “deposit cancellation / cancellation” is set (ST167).

Then, the Laputa Commerce Server L
The CS Coulomb program searches the database DB of the electronic wallet server EWS,
If the "deposit release / cancel flag" is found, the temporary file is deleted (ST168).

Further, when the daemon program of the bank server finds the "deposit release / settlement flag" or "deposit release / cancel flag" from the database DB in the comparison in step ST161 and in step ST167, the deposit is released and the remittance is performed. Alternatively, a remittance procedure is performed (ST169).

When the meta tag program of the user UR searches the database DB of the Laputa Commerce Server LCS and finds a "returned delivery completed" flag and a "returned product is true" flag, an indicator is displayed. It blinks (ST170).

When the user UR inputs "OK", the cooling-off format is deleted or stopped to stop the blinking (ST171, ST172).

Further, the Laputa Commerce Server L
When the CS Coulomb program searches the database for the “Return Delivery Complete” flag and the “Returned Product True” flag, it issues a message stating that “Return is complete and cooling-off processing is complete”. It is sent to the user (ST173).

FIG. 8 is a block flow diagram showing retransmission request processing means for retransmitting a product in response to a retransmission request from the user UR.

[0118] The cooling-off processing unit that requests re-sending is provided as a part of cooling-off,
This is a system for returning a product and requesting it to be sent again if it is damaged or soiled.

First, the user UR requests the product again in the cooling-off format (JAVA). The contents to be entered at this time include the delivery date,
The quantity, the amount, and the cause of the claim (selection by a number from the example, other (ST175)).

The Laputa Commerce Server LCS searches the database DB by the daemon program,
"Existence of applicable products" and "Cooling off period"
(ST176).

If it is outside the cooling off period, the process goes to the routine of the processing system outside the cooling off period (S
T177).

If the date is within the deadline, a confirmation message is sent from the Laputa Commerce Server LCS with the product name to the user UR, and the user UR can accept or input a change (ST178, ST179).

When the user UR understands, the daemon program of the Laputa Commerce Server LCS deletes the temporary file, creates a new temporary file, and stores a new order form (data field) in the database DB. , And set the "Resend Request Flag" for each,
The merchandise is sent to the deposit system shown in FIG. 2 (ST181).

On the other hand, the returned merchandise is inspected by the cyber shop server CSS to determine whether or not the merchandise is the application merchandise, and a flag is set in the database DB (ST1).
82).

The Laputa Commerce Server LCS Coulomb Program is a Cyber Shop Server CS
The database DB of S is searched, and the flags of “true” and “false” are read (ST183).

If "true", the Laputa Commerce Server LCS creates an order form and sets a "retransmission request flag", and goes to the depository system shown in FIG. 2 to perform a commodity shipping process (ST181).

If it is “false”, the mail is sent to the complaint handling person and a mail indicating that the mail cannot be accepted (ST184).

FIG. 9 is a block diagram showing a processing system outside the cooling off period which is a processing means outside the cooling off period.

First, Laputa Commerce Server LC
It is premised that the daemon program of S sets a "cooling off impossible flag" in the temporary file and the database DB (ST185).

When the meta tag of the user UR detects the cooling-off impossible flag, the indicator of the user's UR's Laputa homepage is flashed, and at the same time, an information to the effect that the cooling-off is impossible is displayed to ask for consent (ST186).

At the same time, Laputa Commerce Server L
The CS daemon program sends a mail to the user UR (ST187).

Here, the user UR inputs a response to the information (ST188).

[0133] If the user does not agree, the balance of the user UR is displayed, the fact that the purchase amount exceeds the balance is disclosed, and a response is again prompted (ST189).

[0134] When the consent is obtained, the daemon program of the Laputa Commerce Server LCS deletes the cooling-off flag and the cooling-off disable flag and proceeds to the settlement processing (ST190, ST191).

FIG. 10 shows the transport company
FIG. 7 is a block flow diagram showing a cooling-off release date calculation unit that is a cooling-off release date calculation unit based on the end of delivery in the server TCS.

In the cooling-off cancellation date calculation unit, first, the database DB in the transport company server supporter server TCS is used.
The end of the delivery is registered (ST195).

The Coulomb program of the Laputa Commerce Server LCS searches the database DB of the Transport Company Server TCS and, if there is new delivery end data, sets a “delivery end flag” in the database DB ( ST196).

Then, the Laputa Commerce Server L
The CS coulomb program calculates the cooling-off release date and registers the date in the database DB (ST19).
7).

[0139] Laputa Commerce Server LC
The S Coulomb program calculates the date of issuing the cooling-off warning and registers the date in the database DB (ST
198).

FIG. 11 shows the transport company
It is a block flow diagram which showed the cooling-off warning system which is a cooling-off warning means based on the delivery end period of goods in the server TCS.

The cooling-off alarm system sets a cooling-off flag by applying a cooling-off request applied when the user UR returns the product, and when the laputa commerce server detects that the cooling-off flag is set, an alarm issuance date. And the cooling-off release date. When the user UR detects that the cooling-off flag is set, the user UR can visually confirm that the cooling-off flag is set, by picking up the order file that has reached the alarm issuance date and setting the alarm flag. At the same time, it is possible to respond in three ways: understanding, complaint, and suspension of cooling off.

The complaint that the user UR can respond to is issued when the user UR has already returned and delivered, and the complaint is issued by the Laputa Commerce Server LC.
At the same time as setting a complaint flag in S, a separate mail is sent to the Transport Company Server TCS, and when the Transport Company Server TCS detects this complaint, a complaint flag is set and the Transport Company Server is set. The TCS detects this claim flag. Then, the transport company server TCS can visually confirm that the claim flag is set.
Hereinafter, description will be made with reference to a block flow diagram of FIG.

First, Laputa Commerce Server LC
When the S Coulomb program detects a new cooling-off flag set by the user UR, the "alarm issuance date" is displayed.
And the "cooling off release date" are calculated, and the result is registered in the database DB (ST200).

The coulomb program of the Laputa Commerce Server LCS picks up the order file that has reached the “alarm issuing date” and sets an “alarm flag” in the database DB (ST201).

Alternatively, it is assumed that the transport company server TCS sets the “returned delivery flag” in its own database DB (ST20).
2).

When the daemon program of the Laputa Commerce Server LCS finds the “returned and delivered flag” in the database DB of the transport company server TC, the “returned and delivered flag” is stored in the database DB of the Laputa Commerce Server LCS. Is set, and at the same time, the “alarm flag” is deleted (ST203).

When the meta tag program of the user UR searches the database DB of the Laputa Commerce Server LCS and finds an “alarm flag” in the data, the indicator flashes. When the indicator is clicked, the approval format is displayed (ST204).

Here, the user UR can input any one of three types of “OK”, “Stop Cooling Off”, and “Claim Processing” (ST205).

When the user UR inputs "OK", the blinking is stopped by deleting or stopping the blink command in the format supplied to the user UR (ST20).
6).

When "Cooling off" is input,
The cooling-off stop format is selected, and the routine goes to a cooling-off stop system routine (ST207).

When "claim processing" is entered, the user UR selects a claim format, and inputs a delivery number and a delivery date (ST208).

Then, a complaint flag is set in the temporary file and the database DB of the Laputa Commerce Server LCS, and at the same time, a notification is sent to the shipping company by mail (ST209).

Transport Company Server T
When the daemon program of C finds the complaint flag of the temporary file of the Laputa Commerce Server LCS, it blinks an alarm to the terminal of the Transport Company server TCS (ST210).

At the same time, a mail is sent to the transport company server TCS, and the transport company server TC shifts the processing to the person in charge of claim processing (ST211 and ST212).

FIG. 12 is a block flow diagram showing a cooling off suspension system which is a cooling off suspension means for processing the suspension of the cooling off from the user UR.

The cancellation of the cooling-off is issued at a stage where the user UR has applied for the cooling-off and has not yet sent out the returned goods. The transport company server TCS issues this request when the user UR issues a request to set a cooling off stop flag to the Laputa Commerce server LCS, and the transport company server TCS issues this cooling off stop. When the flag is detected, the delivery plan of the product is rearranged.

The electronic wallet server EWS and the cyber shop server CSS
Detects the cooling-off stop flag and deletes the cooling-off flag. Hereinafter, description will be made with reference to the block flow diagram of FIG.

The user UR requests the rapputer commerce server LCS to stop cooling off in a “cooling off stop” format (ST215).

Then, the Laputa Commerce Server L
The CS CGI sets a “cooling off stop flag” in the database DB and the temporary file (ST216).

Transport Company Server T
When the C daemon program searches the database DB of the Laputa Commerce Server LCS and finds the "cooling off suspension flag",
The "cooling off flag" is deleted, and a "cooling off suspension flag" is set (ST217).

At the same time, the electronic wallet
The daemon program of the server EWS searches the database DB of the Laputa Commerce Server LCS,
When the "cooling off flag" is found, the "cooling off flag" in its own database DB is deleted (ST218).

At the same time, cyber shop server C
When the SS daemon program searches the database DB of the Laputa Commerce Server LCS and finds the "cooling off suspension flag", the database program of its own
Of “cooling off flag” (ST21)
9).

The daemon program of the Laputa Commerce Server LCS searches the database DB of each server, and deletes the cooling-off flag for the data corresponding to the data for which the “cooling-off stop flag” is set in its own database DB. It is checked whether the file has been deleted, and if all are deleted, the daemon program of the Laputa Commerce Server LCS deletes the "cooling off stop flag" from the temporary file (ST22).
0).

On the other hand, the transport company server TCS has a daemon
When the “cooling off stop flag” is detected, the delivery plan is rearranged (ST221).

On the day of collection, the daemon program notifies the delivery vehicle by telephone or e-mail. The daemon program of the transport company server TCS deletes the "cooling off stop flag" (ST22)
2, ST223).

FIG. 13 is a block flow diagram showing a cooling-off inspection processing unit, which is a cooling-off inspection processing means for performing a return process of a product that has reached the user UR based on the cooling-off period.

The cooling-off inspection processing means sets the return reason flag after the ordered product reaches the user UR. These return reason flags consist of four other types: product error, damage / dirt, product was not as expected, and each flag is based on a product from cyber shop server CSS based on cooling-off application. Inspection of returned goods is being performed.

In addition, this cooling-off inspection processing means is provided for the case where the returned goods are within the period for which the cooling-off application was made, and if the returned goods are damaged or soiled, they are damaged or stained during transportation, or are inspected or leaked upon delivery or intentionally. The product is discriminated, and if the product is damaged or soiled during transportation or the inspection is omitted during delivery, the product is resent.

If the returned product is within the cooling-off period and the product is not as expected or for any other reason, the cooling-off inspection processing means identifies whether the product is damaged or soiled. In the case of breakage or soiling, determine whether the damage was caused during shipping or due to inspection leakage at the time of delivery or intentional, and if the damage was damaged during transportation or inspection was omitted at the time of delivery, resend the product. It is like that.
Hereinafter, description will be made with reference to the block flow diagram of FIG.

First, the cyber shop server CS
S searches the database DB of the Laputa Commerce Server LCS and reads "reason for return (flag)" from the cooling-off application property (ST225). This flag is composed of four types: "commodity error", "damage, soiling", "commodity was different from expected", and "other".

It is checked whether the product to be inspected is a product handled by the company, a flag is set, and if the product is a company product, the product number is input (ST226).

If it is determined that the product is a non-owned product, an e-mail is sent to the effect that the product cannot be accepted, and the data is passed to the person in charge of the claim processing (ST227).

If the product is recognized as an in-house product, the delivery time of the product is searched by searching the database DB of the cyber shop server CSS, and compared with the cooling-off period to check whether the product is applicable to the cooling-off ( ST228).

In the inspection in the cooling-off period and the cause of the returned product is “the product was not as expected” or “in the case of other reasons”, the presence or absence of breakage or contamination is inspected, and the result is entered in the input format. Input (ST228).

If there is any damage or stain, a "damage or stain flag" is added to the database DB of the cyber shop server CSS (ST229).

If there is no damage / dirt, a flag indicating that the returned product is “true” is set in the database DB of the cyber shop server CSS (ST230).

If the cause of the return is "damage / soil" during the cooling-off period, the inspection inspects the cause of the damage / soil and inputs the result of the certification in an input form (ST231).

[0178] If it is determined that the request is intentional, a countermeasure instruction is displayed, an e-mail notifying that the instruction is not accepted is sent, and the data is passed to the person in charge of claims (ST232, ST23).
3).

[0179] If it is determined that the accident is during transportation, it is coordinated with the transportation company, and if it is unsuccessful, the data is passed to the person in charge of claims (ST234, ST235, ST236).

If it is agreed that insurance can be used, a request for a "true" flag is requested from the input form, and the returned product is flagged as "true" in the database DB of the cyber shop server CSS ( ST2
37, ST238).

Also, when it is determined that the product is unknown or missing, the returned product is flagged as "true" in the database DB of the cyber shop server CSS (ST238).

If no delivery record is found in step ST228, a "delivery absence flag" is set, an e-mail indicating that the delivery is not accepted is sent, and the data is passed to the person in charge of claim (ST239, ST240).

At step 228, if it is out of the cooling-off period, it is confirmed whether or not the merchandise is incorrectly sent to user UR by mail (ST241).

If no mistake is made, a flag outside the cooling off period is set, and the process goes to the processing system outside the cooling off period (ST242, ST243).

If the merchandise is incorrectly sent in step 241, the user UR requests deletion of the cooling off flag, or the cyber shop server CSS requests deletion of the cooling off flag. And Laputa Commerce Server LC
When the daemon program of S detects both, the cooling-off flag is deleted and a new temporary file is created.
Also, a new order form is created in the database DB, a reissue flag is set for each order form, and the process proceeds to the cooling-off application process (ST244, ST245, ST246, ST24).
7).

FIG. 14 is a block flow diagram showing a settlement method after the existence of a product has been proved.

In the settlement of the price for the product, the money deposited in the electronic wallet server EWS is transferred to the account of the person who actually provides the product at the cyber shop server CSS which sold the product. Next, the electronic wallet server EWS confirms that the goods are at the user's UR by receiving a proof of delivery of the goods from the transport company server TCS via the Laputa Commerce Server LCS. In addition, the Laputa Commerce Server LCS confirms the end of the cooling-off period, which is automatically calculated by the program by the Laputa Commerce Server LCS, so that the user UR can use the same product as the product ordered by the user UR. Recognize that the user UR has approved the certain thing, and transfer the deposit amount to the account of the person who actually sells goods in the cyber shop server CSS.

Further, the electronic wallet server EWS notifies the laputa commerce server LCS that the deposit has been released and the settlement with the goods has been completed, and the laputa commerce server LCS notifies the database DB that the settlement has been made. And delete the file of the product order. Hereinafter, description will be made with reference to the block flow diagram of FIG.

First, it is assumed that the transport company server TCS has registered the end of delivery in the database DB (ST250).

Then, the cron program of the Laputa Commerce Server LCS searches the database DB of the Transport Company Server TCS, and if there is new delivery end data, sets a "delivery end flag" in the database DB (ST251). ).

The coupon program of the Laputa Commerce Server LCS calculates the date for canceling the cooling-off for the data for which the "delivery end flag" has been set, and registers the date in the database DB (ST252).

The electronic wallet server EWS coulomb program searches the database DB of the Laputa Commerce server LCS and finds any data that has reached the “cooling off release date”. A settlement flag is set (ST166).

The bank server searches the database DB of the electronic wallet server EWS and, if there is a “deposit / settlement flag”, releases the deposit and remits it to the cyber shop server CSS (ST2).
54).

Also, from step ST164, to cancel, go to the cooling-off processing unit shown in FIG. 7, and if it is a retransmission request, go to the cooling-off processing unit shown in FIG. 8 (ST255, ST256).

[0195]

As described above, the electronic settlement system according to the present invention comprises: a user who performs a transaction via a terminal device; a single or a plurality of electronic wallet servers which perform a cash accounting including a depositing operation; A cyber shop server that manages ordering and ordering with single or multiple product suppliers, collects information on automatic delivery and collection of products, and performs product collection, delivery and management, and delivery Connected via a communication line to each of the Transport Company server, which proves that the process has been completed, and the user, the electronic wallet server, the Cyber Shop server, and the Transport Company server. Systematically integrate the entire transaction and record and store the transaction history on a database. Each user connected to the Laputa Commerce Server and electronically, comprising a Laputa Commerce Server that proves the existence of the final product based on the cooling off period preset by the cooling off system. Reporting between the wallet server, cyber shop server and transport company server,
Proof and guarantee are performed through the Laputa Commerce Server, and the cancellation of goods and the processing based on the cooling-off period are universally ruled in the electronic virtual space, so that electronic devices that transcend time and space It is possible to guarantee the existence of goods and their payments based on order management, logistics management, and depository settlement management related to electronic commerce in the electronic virtual space typified by the so-called Internet, which secures the safety of commercial transactions in the virtual space. There is an effect that it can be done.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing a connection relationship of an entire configuration according to the present invention.

FIG. 2 is a block flow diagram showing the deposit system.

FIG. 3 is a block flow diagram showing a deposit reporting system in the electronic commerce system.

FIG. 4 is a block flow diagram showing from delivery date approval to delivery of a cancellation processing unit in the electronic commerce system.

FIG. 5 is a block flow diagram showing a corresponding system unit of the cyber shop server CSS in the cancellation processing in the electronic commerce system.

FIG. 6 is a block flow diagram showing a corresponding system unit of a transport company server TC in a cancellation process in the electronic commerce system.

FIG. 7 is a block flow diagram showing a cancellation process of a cooling-off processing unit (1) in the electronic commerce system.

FIG. 8 is a block flow diagram showing a request for retransmission of a cooling-off processing unit (2) in the electronic commerce system.

FIG. 9 is a block flow diagram showing a processing system outside the cooling off period of the cooling off processing unit (3) in the electronic commerce system.

FIG. 10 is a block flow diagram showing a cooling-off release date calculation unit in the electronic commerce system.

FIG. 11 is a block flow diagram showing a cooling-off alarm system of a cooling-off processing unit (4) in the electronic commerce system.

FIG. 12 is a block flow diagram showing a cooling off stop system of a cooling off processing unit (5) in the electronic commerce system.

FIG. 13 is a block flow diagram showing a cooling-off inspection processing unit in the electronic commerce system.

FIG. 14 is a block flow diagram showing a settlement processing unit in the electronic commerce system.

FIG. 15 is an explanatory diagram showing a commercial transaction in the related art.

[Explanation of symbols]

UR: User, CSS: Cyber Shop Server, EWS: Electronic Wallet Server, TCS: Transport Company Server,
LCS; Laputa Commerce Server

Claims (30)

[Claims] 1. A user who orders and purchases a product through a terminal device, and manages cash accounting including a depositing operation performed to prove and guarantee that the user has a purchase payment for the product. One or more Electronic Wallet Servers and the products purchased by the user are collected, the first stage of the ordering is to independently prove the existence of the products, and to place orders with one or more product suppliers Collects information on automatic delivery and collection of the products selected by the user and a plurality of cyber shop servers that perform management, and performs collection, delivery and management of the products, and certifies that the delivery has been completed. By doing so, one or more transports that prove that the product guaranteed by the cyber shop corresponding to the product is at hand And the user, the electronic wallet server, the cyber shop server and the transport company server are individually connected via communication lines, and the connected whole is organized. And a Laputa Commerce server that records and stores transaction histories on a database and proves the existence of final goods based on a cooling-off period preset by a cooling-off system. The Laputa Commerce Server shall report, certify, and warrant between each user connected to the Laputa Commerce Server, the Electronic Wallet Server, the Cyber Shop Server and the Transport Company Server. Line through And electronic payment system characterized in that the processing based on the cancellation process and the cooling-off period of the product to perform and universally rules for on the electronic virtual space. 2. The transmission and reception of data between the electronic wallet server, the cyber shop server, the transport company server, and the laputa commerce server is performed by CGI or SSI or a system having a function equivalent thereto. By making a request to a predetermined partner server to search and read each other's database each other, it does not falsify data by not directly writing to the other's database. The electronic payment system according to claim 1. 3. The system according to claim 1, wherein said user receives a laputa commerce
Transmission and reception of data between the servers is performed by a system having a function of CGI or SSI or equivalent or more, by only requesting from the user, and by eliminating direct writing from the user to the Laputa Commerce server. 3. The electronic settlement system according to claim 1, wherein data is not falsified. 4. The user or cyber shop.
Server or Transport Company Server or Electronic Wallet Server information
The Laputa Commerce server automatically issues a request to the user, the cyber shop server, the transport company server, and the electronic wallet server by a timer operation program or a constant operation program, and And each of the cyber shop server, the transport company server, and the electronic wallet server generate CGI or SSI and respond to the laputa commerce server to exchange the information. The electronic payment system according to claim 1, 2 or 3, wherein: 5. An order for an item from the user to the cyber shop server performed by the user via the laputa commerce server, wherein the laputa commerce server receives an order from the user in the cyber shop server. Detecting that a product order has been received, and detecting the cyber order when the product order is detected.
Perform a stock search of the product ordered by the user against the database of the shop server or the client in the cyber shop server, and count the number of days required for delivery of the product, which is not included in the count. 5. The electronic settlement system according to claim 1, wherein a delivery date is calculated. 6. The final delivery date until the delivery location specified by the user is calculated by combining the simple delivery date with the number of days required for delivery at the delivery location specified by the user,
6. The electronic payment system according to claim 5, wherein the last payment date of the product is sent back to the user through the Laputa Commerce server to prove the existence of the product. 7. In parallel with proving the existence of the goods, the electronic wallet server
Detecting the product order, searching for the size of the user's deposit balance in the electronic wallet server with respect to the payment amount of the ordered product, and searching the search result for the user and the user via the Laputa Commerce server. 7. The electronic payment system according to claim 6, wherein notification is made to a cyber shop server. 8. The electronic wallet server verifies that the commodity is present by the cyber shop server, and that the account balance is greater than or equal to the settlement account balance. When notifying the Laputa Commerce server that the final delivery date is accepted, the electronic wallet server guarantees the existence of the settlement amount by depositing a portion corresponding to the settlement amount from the deposit balance. 8. The electronic settlement system according to claim 6, wherein said guarantee places said commodity order as being fulfilled. 9. A deposit balance notification from the electronic wallet server performed through the laputa commerce server when there is no product ordered from the user or when the user is dissatisfied with the final delivery date. The product order is not established if the user cancels the product order.
Electronic payment system according to the item. 10. The method according to claim 1, wherein said deposit balance is less than said settlement amount, and said user
The electronic wallet via the server
The method according to claim 6, wherein, when a notification of a balance shortage is received from a server, the commodity order is temporarily suspended until the user performs a payment process. Electronic payment system as described. 11. The user approves the delivery date of the product,
And, when the existence of the settlement amount by the electronic wallet server is proved, the deposit flag is set in the Laputa Commerce server, and the user searches the Laputa Commerce server and sets the deposit flag. Is detected, the user is notified so that the deposit flag is set visually so that the user can visually confirm the delivery date of the product, and confirms the existence of the settlement amount. 9. The electronic payment system according to claim 8, wherein the electronic payment system can be handled by input. 12. The electronic wallet when the user inputs an approval for a delivery date of the product and acknowledges that the settlement money has been proved.
12. The electronic settlement system according to claim 11, wherein the server detects the accepted deposit flag and performs a settlement process between the deposit amount and the settlement amount of the product. 13. The laputa commerce server detects the canceled deposit flag when the user inputs an approval of the delivery date of the product and cancels that the existence of the settlement amount has been proved. The electronic payment system according to claim 11, wherein the data field of the commercial transaction is deleted. 14. The cancellation process for a product order performed by the user is performed from the time of ordering the product in which the Laputa Commerce Server has not yet created a data field for the commercial transaction on a recording medium until the final delivery date is approved. From the time of approval of the delivery date to the time before the delivery certificate is issued when the Laputa Commerce Server creates a data field for the commercial transaction on a recording medium.
10. The electronic settlement system according to claim 1, wherein the electronic settlement system is effective only in one of the stages. 15. If the data field has not been created, the Laputa Commerce Server terminates without executing the creation of the data field. The electronic payment system according to claim 14, wherein the commerce server deletes the data field. 16. The cyber shop server detects a cancellation process for the user ordering the commodity by detecting a loss of a data field in the laputa commerce server and the presence of the data field in its database. 16. The electronic settlement system according to claim 14, wherein after the detection, the cancellation process is further performed in two stages before shipping and after shipping. 17. The transport company server, after acquiring the data of the cancellation processing, performs the cancellation processing in three stages of before shipping, after shipping, and during delivery. The electronic settlement system according to claim 14, 15, or 16. 18. The cooling-off system is set by a person involved in the product based on performance and characteristics unique to each product after the delivery certificate of the product is issued to the user by the transport company server. In accordance with the guidelines, the company or individual that provides, maintains, and manages the cyber shop server will function until the end of the cooling-off period set based on the unique performance and characteristics of each product. The electronic payment system according to claim 1. 19. The cooling-off system, wherein the user cancels the cooling-off request by the user when returning the product, and resends the product by a retransmission request from the user based on the damage or contamination of the product. Retransmission request processing means, processing means outside the cooling-off period, cooling-off release date calculation means based on the end of delivery in the transport company server, and cooling based on the delivery end period of the product in the transport company server It comprises: an OFF warning unit; a cooling-off stopping unit for processing a stop of the cooling-off from the user; and a cooling-off inspection processing unit for performing a return process of a product delivered to the user based on a cooling-off period. 19. The method according to claim 1, wherein: Electronic payment system according to the item. 20. Proof of the existence of the final product, assuming that the end of the cooling-off period in the cooling-off system is confirmed by the user himself as to the product being the same as the product ordered by the user. Claim 1, characterized in that it has been performed
20. The electronic settlement system according to 18 or 19. 21. The cooling-off alarm means sets a cooling-off flag by applying a cooling-off request applied when the user returns a product, and when the Laputa Commerce Server detects that the cooling-off flag is set. Calculate the alarm issuance date and the cooling-off release date, and even when the alarm issuance date is reached,
For an order file for which the return delivery completion certificate has not been issued from the company server, the order file that has reached the alarm issuance date is picked up and an alarm flag is set, and the cooling off flag is set by the user. 20. The method according to claim 19, wherein upon detection, the user can visually confirm that the cooling-off flag is set, and can cope with the situation in three ways: understanding, complaint, and stopping cooling-off. Electronic payment system according to the item. 22. The claim is issued when the user has already returned and delivered the product. The user sets a complaint flag on the Laputa Commerce Server and, at the same time, sends a separate mail to the Transport Company Server. Notification, and when the transport company server detects this claim, it sets a claim flag in the order file of its database and at the same time as the transport company server.
22. The electronic payment system according to claim 21, wherein the electronic payment system can be visually confirmed on a terminal of the server. 23. The cancellation of the cooling-off is issued at a stage where the user has applied for the cooling-off and has not yet sent out the returned goods. Is issued when the transport company server issues a request to set the cooling-off stop flag to the laputa commerce server. 23. The electronic settlement system according to claim 22, wherein when the cooling-off stop flag is detected, the delivery plan of the product is rearranged. 24. The electronic wallet
3. The server and the cyber shop server delete the cooling-off flag when detecting the cooling-off stop flag.
3. The electronic payment system according to 3. 25. The cooling-off inspection processing means selects one or more return reasons from among a plurality of return reasons in a return application form when returning the ordered goods after they arrive at the user's hand. 20. The electronic settlement system according to claim 19, wherein one or more return reason flags are set on a database of the Laputa Commerce Server based on the flag. 26. The return reason flag indicates that a product is incorrect,
Damage / dirt, the product was different from expected, and the other four types. Each flag is used to inspect the product from the cyber shop server for returned goods based on the cooling-off application. 26. The electronic payment system according to claim 25, wherein 27. The cooling-off inspection processing means, if the returned product is within the cooling-off period and is damaged or soiled, whether the damage is caused by damage or soiling during transportation or inspection leak at the time of delivery or intentional. 26. The electronic settlement system according to claim 25, wherein the electronic payment system is configured to determine whether or not the product is damaged or soiled during transportation, or if the inspection is omitted during delivery, and resend the product. 28. The cooling-off inspection processing means, if the returned product is within the cooling-off period and the product is not as expected or for any other reason, determines whether the product is damaged or stained. In the case of damage / dirt, it is judged whether it is damage / dirt during transportation or inspection leak at the time of delivery or intentional, and if it is damaged / dirt during transport or inspection leak at the time of delivery, it is resent 26. The electronic payment system according to claim 25, wherein the payment is performed. 29. In the settlement of the price for the merchandise, the money deposited in the electronic wallet server is transferred to an account of a person who actually provides the merchandise to the cyber shop server that sold the merchandise. When transferring to the electronic wallet,
A server confirms that the item is at hand of the user by receiving a proof of delivery of the item from the transport company server via the Laputa Commerce server; and The Laputa Commerce Server confirms that the cooling-off period, which is automatically calculated by the program, is completed by the Laputa Commerce Server, so that the user can confirm that the product is the same as the product ordered by the user. 6. The method according to claim 1, wherein said deposit is accepted and said deposit amount is transferred to an account of a person who actually sells goods in said cyber shop server. , 6, 7, 8, 9 or 10. 30. The electronic wallet
The server notifies the Laputa Commerce Server that the deposit has been released and the payment has been made with the product, and the Laputa Commerce Server writes the payment to the database and deletes the file of the product order. 30. The electronic payment system according to claim 29, wherein: