200807317 九、發明說明： 【發明所屬之技術領域】 本發明係關於一種交易金額估算系統及程式，其係作 成根據顧客識別資訊、交易條件資訊、以及商品之選擇資 訊，可迅速地算出合理的估算金額。此外，亦包含有應用 於電子商務交易之交易金額估算系統及程式。 【先前技術】 近年來，在百貨公司或超市、大型專賣店等，採用將 交易金額等變成紅利點數並累積的紅利點數制度，根據所 累積之紅利點數而使用者可享受折扣或各種服務的交易形 態變成常態。尤其，在利用網際網路之電子商務交易，因 爲紅利點數累積之容易性，採用這種紅利點數制度的虛擬 店舖或虛擬購物中心變成極多。 又，亦提議對顧客賦與等級並加以差別化之商務交 易，在此商務交易方法’預先以電腦將顧客等級和^斤扣百 分比賦與對應並記憶後，按照對應於該顧客等級的折扣百 分比算出所選擇之商品的交易金額。 又，在如下的專利文獻，提議對各商品及各顧客等級 加以差別化之折扣銷售方法。 在此文獻，雖然未記載顧客等級由此等要素構成’根 據此等基準賦與等級’但是若係以個人顧客爲對象的B2C 交易，考慮根據交易累計金額等之過去的交易履歷賦與等 級等，例如因爲紅利點數制度或顧客等級制度係以過去的 交易履歷爲基準的，所以使用者隨著交易次數之增加，可 200807317 享受有利的折扣服務。 在以往的商務交易，雖然根據顧客之過去的交易履歷 或者現在顧客之信用度或者在交易的購買金額或數量以及 交易條件等，勤快地變更估算提示金額，並藉由和顧客之 交涉而決定交易金額，但是現在並沒有將這種極細微的事 反映在電子商務交易的方法，而無法在電子商務交易構築 和顧客之信任關係。因而在電子商務交易，因爲需要進行 以往向顧客所示之極微細的估算提示，以提高顧客之滿意 度，所以需要構築在電子商務交易系統中之交易金額估算 系統。 [專利文獻1]特開200 1 — 2 1 6572號公報 【發明内容】 【發明要解決之課題】 可是，使用網際網路或電腦算出交易之估算金額的方 法，大部分都拘限於交易數量少、交易金額低者，大多是 無法用於一次的交易數量或交易金額相當大之係企業間的 交易之A to B或B to B用。 本發明係考慮這種情況而提議的，其第一目的在於提 供一種交易金額估算系統，其係可算出已斟酌安全且合理 之交易條件的估算金額並提示。 又，本專利申請人嘗試一種系統，其係作成以將按照 列、行區分商品之屬性而特定的商品資訊和選擇操作部一 起顯示於各自之格子的格子欄可選擇商品。 在此系統，對於顯示於格子欄之多種商品，因爲各個 200807317 商品可選擇多個，故適合如企業間交易（A to B或B to B) 般大量訂購商品的交易。例如，在西式點心或日用品雜貨 店等的零售店，雖然大多從批發店等之特定的銷售者訂購 固定數量之材料或銷售商品，但是若利用上述的系統，即 使係那種訂購形態，複雜地重複操作之必要性亦少。 而，在不利用網際網路等之資訊技術的企業間交易， 常允許常客進行價格交涉，或者即使不是常客，一般亦可 藉由變更交易條件而一面再三地重複估算一面進行價格交 涉。 可是，若進行那種價格交涉，因爲至簽約爲止自然要 花費很多勞力或時間，所以對銷售者產生此部分之經費負 擔，結果變成薄利的交易者居多。又，根據價格交涉之契 約和營業員的能力或使用者之交涉力等人的因素的依存度 很大，亦可說是對使用者不平等之契約金額的決定方法。 在本發明，其第二目的在於提供一種交易金額估算系 統，其係在以這種格子狀之一覽表可選擇商品的電子商務 交易中，可對各顧客適當地估算交易金額，而對銷售者不 用花費，且在顧客間之不平等感亦少。 本發明之交易金額估算系統並未限定爲僅電子商務交 易，亦包含有適用於電子商務交易以外之一般的商務交易 或獨立之估算系統（估算模擬）等之目的。 【解決課題之方式】 本專利申請人，對應於上述之第一、第二目的’在申 請專利範圍第1至7項係提議第一本發明的交易金額估算 200807317 系統，在申請專利範圍第8至1 4項係提議第二本發明之交 易金額估算系統。 在申請專利範圍第1項記載之交易金額估算系統，係 在電子商務交易之交易金額估算系統，其係由經由通信網 路連接之使用者側的通信終端機和服務伺服器所構成，而 該服務伺服器受理使用者側之通信終端機所發送的顧客識 別資訊、商品之選擇資訊、以及既定的交易條件資訊，並 算出所選擇之商品的估算金額，其特徵爲： 服務伺服器具備有： 4 商品資料管理表，係對於成爲銷售、提供之對象的商 品，至少包含有標準價格；及 顧客管理表，係對各顧客保存著至少包含有顧客識別 資訊之顧客管理資訊， 從使用者側之通信終端機受理存取，而在送來顧客識 別資訊、交易條件資訊、以及商品之選擇資訊時，藉由參 照商品資料管理表、顧客管理表，再以既定的演算法進行 計算處理，而算出將根據所選擇之商品的標準價格和所輸 入之數量的總金額做增減之後的估算金額並顯示。 在此，在本發明系統的對象，未限定爲由物品所構成 之商品的銷售，亦包含服務之提供（在以下所示之本發明亦 相同）。又在以下的實施例所說明之既定的演算法係一例， 當然可採用其他各種的方法。 在申請專利範圍第2項記載之交易金額估算系統，係 作成當被輸入有使用者的顧客識別資訊、商品之選擇資 200807317 訊、以及既定的交易條件資訊時，電腦算出所選擇之商品 的估算金額並顯示之交易金額估算系統，其特徵爲： 電腦具備有： 商品資料管理表，係對於成爲銷售、提供之對象的商 品，至少包含有標準價格；及 顧客管理表，係對各顧客保存著至少包含有顧客識別 資訊之顧客管理資訊， Φ 在被輸入有顧客識別資訊、交易條件資訊、以及商品 之選擇資訊時，藉由參照商品資料管理表、顧客管理表， 再以既定的演算法進行計算處理，而算出將根據所選擇之 商品的標準價格和所輸入之數量的總金額做增減之後的估 算金額並顯示。 在申請專利範圍第3項，顧客管理表係包含有顧客等 級判別資訊，其係包含有顧客信用度參照資訊及顧客交易 實績資訊當中的至少任一個。 φ 在申請專利範圍第4項，計算處理係進行如下之計算： 對既定之演算法的各計算因素賦與既定的加權，並根 據此等估算計算因素算出估算係數； 根據所選擇之商品的標準價格和所輸入之數量以算出 總金額； 根據總金額和估算係數以算出估算金額。 在申請專利範圍第5項，計算處理係進行如下之計算： 在被輸入有顧客識別資訊時’以既定基準判斷顧客等 級判別資訊後，判定顧客等級’因應於所判定之顧客等級 200807317 而變更爲既定的價格，並顯示於銷售者伺服器，再根據變 更後之價格和所輸入的數量以算出所選擇之商品的顧客等 級總金額； 又，在被輸入交易條件資訊時，對既定之各估算計算 因素賦與既定的加權，並根據此等估算計算因素，以既定 之演算法算出交易條件估算係數，再根據顧客等級總金額 和交易條件估算係數以算出估算金額。 申請專利範圍第6項記載之交易金額估算程式，係作 成使用至少包含有標準價格之商品資料管理表，和對各顧 客保存著至少包含有顧客識別資訊之顧客管理資訊的顧客 管理表，而針對成爲銷售、提供之對象的商品，算出商品 的估算金額，並向可能購買之使用者顯示，其特徵爲具備 有： 顯示步驟，係對來存取之可能購買的使用者顯示既定 之商品選擇畫面； 受理步驟，係經由商品選擇畫面受理來自可能購買之 使用者的顧客識別資訊、交易條件資訊、以及商品之選擇 資訊的輸入； 計算處理步驟，係根據所受理之顧客識別資訊、交易 條件資訊、以及商品的選擇資訊，參照商品資料管理表、 顧客管理表，再以既定的演算法進行計算處理；以及 計算顯示步驟，係算出根據計算處理之結果、所選擇 之商品的標準價格及所輸入之數量的總金額做增減之後的 估算金額並顯示。 -10- 200807317 在申請專利範圍第7項記載之交易金額估算程式，其 係作成使用至少包含有標準價格之商品資料管理表，和保 存著可能購買的使用者之顧客管理資訊的顧客管理表，並 針對成爲銷售、提供之對象的商品，算出商品的估算金額， 並向可能購買之使用者顯示，其特徵爲具備有： 顯示步驟，係對來存取之可能購買的使用者顯示既定 之商品選擇畫面； 受理步驟，係經由商品選擇畫面受理來自可能購買之 使用者的交易條件資訊及商品之選擇資訊的輸入； 計算處理步驟，係根據所受理之交易條件資訊及商品 的選擇資訊，參照商品資料管理表、顧客管理表，再以既 定的演算法進行計算處理；以及 計算顯示步驟，係算出根據計算處理之結果、所選擇 之商品的標準價格及所輸入之數量的總金額做增減之後的 估算金額並顯示。 在申請專利範圍第8項記載之在電子商務交易的交易 金額估算系統，係由作成由經由通信網路連接之使用者側 的通信終端機和服務伺服器所構成，服務伺服器受理使用 者側之通信終端機所發送的顧客識別資訊、商品之選擇資 訊、以及既定的交易條件資訊，並算出所選擇之商品的估 算金額，其特徵爲： 商品的選擇資訊係藉由根據列、行屬性可特定商品之 格子狀的一覽表而選擇的； 銷售者伺服器具備有 -11- 200807317 商品格子表，係對應於格子狀之一覽表而準備，對於 成爲銷售、提供之對象的商品，至少包含有標準價格；及 顧客管理表，係對各顧客保存著至少包含有顧客識別 資訊之顧客管理資訊， 從使用者側之通信終端機受理存取’在送來顧客識別 資訊、交易條件資訊、以及商品之選擇資訊時，藉由參照 商品格子表、顧客管理表，進行既定的計算處理，而算出 將根據使用者所選擇之商品的標準價格和所輸入之數量的 總金額做增減之後的估算金額並顯示。 在申請專利範圍第9項記載之交易金額估算系統，其 係作成在被輸入有使用者的顧客識別資訊、商品之選擇資 訊、以及既定的交易條件資訊時’電腦係算出所選擇之商 品的估算金額，並顯示’其特徵爲： 商品的選擇資訊係藉由根據列、行屬性可特定商品之 格子狀的一覽表而選擇的； 電腦具備有 商品格子表，係對應於格子狀之一覽表而準備，對於 成爲銷售、提供之對象的商品’至少包含有標準價格；及 顧客管理表，係對各顧客保存著至少包含有顧客識別 資訊之顧客管理資訊’ 在被輸入顧客識別資訊、交易條件資訊、以及商品之 選擇資訊時，藉由參照商品格子表、顧客管理表’進行既 定的計算處理’而算出將根據使用者所選擇之商品的標準 胃格和所輸入之數量的總金額做增減之後的估算金額並顯 -12- 200807317 不 ° 在申請專利範圍第1 〇項，顧客管理表係包含有顧客等 級判別資訊，其係包含有顧客信用度參照資訊及顧客交易 實績資訊當中的至少任一個。 在申請專利範圍第i i項，計算處理係進行如下之計算： 對既定之各估算計算因素賦與既定的加權，並根據此 等估算計算因素，以既定之演算法算出估算係數； 根據商品格子表之中的該所選擇之商品的標準價格和 所輸入之數量以算出總金額； 根據總金額和估算係數以算出估算金額。 在申請專利範圍第1 2項，計算處理係進行如下之計算： 在被輸入顧客識別資訊時，以既定基準判斷顧客等級 判別資訊後以判定顧客等級，又因應於所判定之顧客等級 將商品格子表的標準價格變更爲既定的價格，並顯示於銷 售者伺服器，再根據變更後之價格和所輸入的數量以算出 所選擇之商品的顧客等級總金額； 又，在被輸入交易條件資訊時，對既定之各估算計算 因素賦與既定的加權，並根據此等估算計算因素，以既定 之演算法算出交易條件估算係數，再根據顧客等級總金額 和該交易條件估算係數以算出估算金額。 在申請專利範圍第13項記載之交易金額估算程式，其 係作成使用至少包含有標準價格之商品格子表，和對各顧 客保存著至少包含有顧客識別資訊之顧客管理資訊的顧客 管理表，而針對成爲銷售、提供之對象的商品，算出商品 -13- 200807317 的估算金額，並向可能購貝之使用者顯TfC ’其特徵爲具備 有： 商品格子表係對應於根據列、行屬性可特定商品之格 子狀的一覽表而形成； 顯示步驟，係對來存取之可能購買的使用者，顯示根 據列、行屬性而可特定商品之格子狀的一覽表； 受理步驟，係經由格子狀的一覽表，受理來自可能購 買之使用者的顧客識別資訊、交易條件資訊、以及商品之 選擇資訊的輸入； 計算處理步驟，係根據所受理之顧客識別資訊、交易 條件資訊、以及商品的選擇資訊，參照商品資料管理表、 顧客管理表，再以既定的演算法進行計算處理；以及 計算顯示步驟，係算出將根據計算處理之結果、標準 價格及所輸入之數量的總金額做增減之後的估算金額並顯 示0 在申請專利範圍第1 4項記載之交易金額估算程式，其 係作成使用至少包含有標準價格之商品格子表，和保存著 可能購買的使用者之顧客管理資訊的顧客管理表，並針對 成爲銷售、提供之對象的商品，算出商品的估算金額，並 向可能購買之使用者顯示，其特徵爲具備有： 商品格子表係對應於根據列、行屬性可特定商品之格 子狀的一覽表而形成； 顯示步驟，係對來存取之可能購買的使用者顯示根據 列、行屬性而可特定商品之既定的格子狀之一覽表； -14- 200807317 受理步驟，係經由格子狀的一覽表，受理來自可能購 買之使用者的交易條件資訊及商品之選擇資訊的輸入； 計算處理步驟，係根據所受理之交易條件資訊及商品 的選擇資訊，參照商品資料管理表、顧客管理表，再以既 定的演算法進行計算處理；以及 計算顯示步驟，係算出將根據計算處理之結果、標準 價格及所輸入之數量的總金額做增減之後的估算金額並顯 7]\ ° 【發明之效果】 在係第一本發明之申請專利範圍第1至7項記載的交 易金額估算系統、程式，因爲藉由參照交易條件資訊等以 既定的演算法進行計算處理，而算出估算金額，所以可實 現考慮到各種交易條件的折扣服務。又，因爲若變更交易 條件時估算金額亦再計算，所以可簡易地進行模擬，而可 選擇更適當的條件，結果，可提高顧客之購買意願。 若依據在申請專利範圍第3項記載之交易金額估算系 統的話，因爲考量顧客信用度、交易實績並算出估算金額， 所以若應用於大量交易等風險大之交易的情況係有效。 若依據在申請專利範圍第4項記載之交易金額估算系 統，因爲作成可對各計算因數賦與加權，所以可根據交易 金額的大小、交易之形態等設定各因數的加權。 若依據在申請專利範圍第5項記載之交易金額估算系 統，因爲藉由根據顧客等級判別資訊所判別之顧客等級調 換商品資料管理表，並算出顧客等級估算金額，再根據依 -15- 200807317 據交易條件資訊所算出之交易條件估算係數和顧客等級估 算金額而算出最後的估算金額，所以可實現極微細之折 扣，且可向使用者提示折扣、加價之依據。 若依據係第二本發明之在申請專利範圍第8至14項記 載的交易金額估算系統，' 因爲藉由參照交易條件資訊等以既定的演算法進行計 算處理，而算出估算金額，所以可實現考慮到各種交易條 件的折扣服務。又，因爲若變更交易條件時亦再計算估算 金額，所以可簡易地進行模擬，而可選擇更適當的條件， 結果，可提高顧客之購買意願。 若依據在申請專利範圍第1 0項記載之本發明時，因爲 仔細斟酌顧客信用度、交易實績並算出估算金額，所以若 應用於大量交易等風險大之交易的情況係有效。 若依據在申請專利範圍第11項記載之本發明，因爲作 成可對各估算計算因數賦與加權，所以可根據交易金額的 大小、交易之形態等設定各因數的加權，並算出估算金額。 若依據在申請專利範圍第12項記載之本發明，因爲藉 由依據顧客等級判別資訊所判別之顧客等級調換商品格子 表，並算出顧客等級估算金額，再根據依據交易條件資訊 所算出之交易條件估算係數和顧客等級估算金額而算出最 後的估算金額，所以可實現極微細之折扣，且可向使用者 提示折扣、加價之依據。 【實施方式】 以下，和附加圖面一起說明第一、第二本發明之實施 -16- 200807317 形態。 在本實施形態，雖然舉例表示應用係第一本發明之一 例的交易金額估算系統之電子商務交易系統，但是未限定 爲電子商務交易系統，當然亦可應用於在僅估算交易金額 之模擬系統的估算金額計算。 第1圖係表示該電子商務交易系統之系統圖的一例。 此系統爲將服務伺服器10設置於網際網路等的通信 網路L上，經由網際網路L，可從使用者之個人電腦等的 通信終端機20存取之構造。 在本系統，可根據顧客之信用度、交易實績以及交易 條件向顧客提供折扣服務，因而，服務伺服器1 0具備有： 顧客管理表1 1，記憶保存包含有各顧客之顧客識別資訊（使 用者ID)、信用度參照資訊、以及交易實績資訊的顧客等級 判別資訊；商品資料管理表1 2，成爲銷售、提供之對象的 商品或服務（以下稱爲商品等）之標準價格、庫存數等；以 及價格決定表1 3，保存使因應於交易總評估金額（總金 額）、購買數量、付款條件、交貨地點、交貨日期、交貨條 件等的交易條件，而可得到將由標準價格和購買數量所算 出之的交易總評估金額加以增減的估算價格之各種資訊。 此外，上述之各表11、12、以及13亦包含資料庫、 檔案形式。 此服務伺服器1 0定位爲經營電子商務交易的網站’ 在使用者操作通信終端機20並進行顯示要求時，向該通信 終端機20送出商品選擇畫面等，另一方面，在該通is終立而 -17- 200807317 機20，一面和服務伺服器1 〇進行收發，一面可進行商品之 選擇操作、選擇商品的一覽顯示、交易條件之選擇操作、 所選擇的商品之總估算金額的顯示、以及商品之訂購確定 操作等。 在利用此系統購買商品時，使用者在通信終端機20 將瀏覽器起動，而顯示商品選擇畫面（未圖示）後，在該商 品選擇畫面選擇想購買的商品，並在服務伺服器1 〇對想購 買的商品傳回包含有總估算金額等之選擇商品一覽時，輸 入付款條件、交貨日期、交貨地點等的交易條件，並進行 訂購確定操作時，服務伺服器1 0就按照該估算金額受理所 選擇之商品等的訂購。 第2圖係以在通信終端機20之畫面顯示中表示從選 擇商品的一覽顯示，至交易條件的選擇操作、所選擇之商 品等的總估算金額顯示爲止之動作。 第2(a)圖係在商品等之選擇操作完了後所顯示的畫 面G 1，作成在同一畫面可進行包含有交易總評估金額、購 買數量之選擇商品的一覽gll之顯示、交易條件gl2的輸 入、顧客識別資訊（使用者ID)gl3、密碼gl4之輸入。此外， 交易條件資訊雖然係包含有交易總評估金額、購買數量之 槪念’但是第2圖所示的交易條件g丨2定義爲將交易總評 估金額、購買數量除外的。 在此畫面G1，在輸入交易條件gi2、使用者IDgl3、 密碼g 1 4後’操作試算按鈕g丨5時，服務伺服器1 〇以後述 之既定的演算法進行計算處理，而算出估算金額，並對通 -18- 200807317 信終端機20進行第2(b)圖之畫面G2的切換顯示。在此畫 面G2,顯示服務伺服器10所算出之估算金額g21’又可再 在被輸入交易條件g22。在使用者對估算金額g21不滿意的 情況，再輸入交易條件g22，並操作試算按鈕£23，而可再 重複估算，另一方面，在想按照所顯示之估算金額g2 1下 單的情況，操作確定按鈕g24，而可確定訂購。 如後述所示，雖然在交易條件等級項目亦包含有交易 總評估金額等級、購買數量等級，但是在想變更此項目的 情況，只要回到商品選擇畫面並追加、刪除商品等之選擇 即可。 此外，如上述所示，此電子商務交易系統雖然係以在 使用者訂購時等的時序發送使用者ID爲必要條件之會員 制的系統，但是未限定如此。如以下之說明，在本系統雖 然作成判定顧客之信用度等級並給與折扣，但是即使係初 次見面的顧客或初期登錄顧客等未保存信用度等級之顧 客，亦賦與固定的等級。 又，交易條件g 1 2之各項目亦可作成初期登記的，或 者預先將在此畫面G1所輸入之資料保存於顧客管理表 11，而不被輸入交易條件gl2,就可算出估算金額並顯示。 第3圖係表示顧客管理表11之中的信用度參照資訊、 交易實績資訊之各資料項目，儲存並保存對各顧客所圖示 的項目資料。這些顧客等級資料係在使用者進行會員登錄 時及以後之各種時序，從調查機關等的調查資料或交易實 績資料等加以收集、並被等級點數化後登錄、更新。 -19- 200807317 接著，說明各項目。此外，關於等級點數之配點、細 目，在第3圖表示具體實例。此外，在本例，將XI〜X7作 爲信用度參照資訊，將X8、X9作爲交易實績資訊之一例 表示。 XI.常客等級· ••對常客賦與等級。不是僅根據交易履 歷，和相關公司等關係密切之企業亦可定位爲高等級。隨 時更新。 X2.業別等級· ••對關係密切之業別或具有成長性的業 別可定位爲高等級。隨時更新。 X3.信用等級· ••根據拒付、倒閉等之資訊賦與等級。隨 時更新。 X4.上市類別等級· ••對各市場賦與等級。未上市爲最低 等級。隨時更新。 X5·企業規模等級· ••根據市價總値、資本額等賦與等 級。每天、每週、每月等定期地更新。 X6·成長性等級· ••根據銷售額成長率、利潤成長率等賦 與等級。每季更新。 X7·財務健全性等級· ••根據自有資本百分比賦與等 級。每季更新。 X8.交易次數等級· ••根據過去之交易次數賦與等級。每 次交易自動更新。 X9·交易金額累計等級· ••根據過去之交易金額累計賦 與等級。每次交易自動更新。 對於該項目之中的XI、X2，根據銷售者獨·自之判斷， • 20- 200807317 對於X3根據來自調查機關的資料，對於χ4〜χ7，根據公司 資訊等來自發行公司資料，對於χ8、χ9，根據交易實績， 進行登錄、更新。尤其Χ8、χ9，若使得在確定訂購時可自 動更新，可在每次交易時更新等級。 此外，雖然上述之等級賦與係以企業爲對象，但是可 ^寸個人顧客用預先準備其他的基準之顧客等級杳料。 第4圖係價格決定表之說明圖，例如，表示對各交易 φ 條件定義等級點數。亦可作成考慮各商品等的情況，可對 各商品等設定。 接著說明各項目。此外，關於等級點數之配點、細目， 在第4圖表示具體實例。 Υ1·交易總評估金額· ••按照標準單價（定價亦可）換算交 易金額後賦與等級。 Υ 2 ·購買數量· ••根據購買數量之總量賦與等級。在處理 單一或同種商品的情況’亦可用以替代交易總評估金額。 φ γ 3 ·付款條件· ••根據預付/賒購/分期付款和現金/信用 卡/匯款/貨到收錢/票券/支票之各種組合等賦與等級。 Υ 4 ·交貨地點· ••根據店頭交易、現場交貨等賦與等級。 Υ 5 ·交貨日期· ••日期慢的賦與高等級，早的賦與低等 級。例如，共同購買爲最高等級，以下分級成下月底、標 準、緊急等。 Υ 6.交貨條件·· •根據有無檢查等賦與等級 此外，亦可將信用查詢、有無保證人等作爲等級項目， 例如亦可作成在付款條件爲現金一次支付以外時，加上這 -21 - 200807317 些要素。 其次，說明估算金額之具體的算出方法之一例。 根據下式算出信用度等級資料的綜合點。 信用度等級總計X = xl*Xl + · · · + x9*X9 在此，χη係加權係數，作成比重可因各項目而異。例 如，若想僅將常客等級（XI)之比重設其他的2倍，將χΐ設 爲2，而將χ2〜χ9設爲1。即，滿分變成100點。 此外，Χ3之拒付、倒閉等，因爲係對銷售者極重要的 條件，所以亦可將係數χ3設爲負，使信用度等級總計a變 低，亦可作成可拒絕交易的顯示。 接著，根據下式算出交易條件等級的綜合點。 交易條件等級總計Y = y 1*Y1+ · · · + y6* Y6 在此，yn係加權係數，若全部比重相同，滿分爲60 點。 這些加權係數xn、yn，亦可根據顧客別（企業/個人）、 商品別預先準備多種。 然後，將信用度等級總計X和交易條件等級總計γ相 加，而算出綜合點Z。200807317 IX. Description of the Invention: [Technical Field of the Invention] The present invention relates to a transaction amount estimation system and a program for quickly calculating a reasonable estimate based on customer identification information, transaction condition information, and product selection information. Amount. In addition, it also includes a transaction amount estimation system and program for e-commerce transactions. [Prior Art] In recent years, in department stores, supermarkets, and large-scale specialty stores, a bonus point system that converts the amount of transactions into bonus points and accumulates is used, and users can enjoy discounts or various types based on the accumulated bonus points. The trading pattern of the service becomes the norm. In particular, in the use of Internet e-commerce transactions, virtual stores or virtual shopping malls using this bonus point system have become extremely numerous due to the ease of accumulation of bonus points. In addition, it is also proposed to assign a level to the customer and differentiate the business transaction. In this business transaction method, the user's level and the percentage of the key are assigned to the computer in advance, and the percentage of the discount corresponding to the customer level is used. Calculate the transaction amount of the selected item. Further, in the following patent documents, a discount sales method for differentiating each product and each customer level is proposed. In this document, it is not described that the customer level constitutes a 'level based on these criteria', but if it is a B2C transaction for an individual customer, consider the past transaction history assignment level based on the transaction cumulative amount, etc. For example, because the bonus point system or the customer rating system is based on the past transaction history, the user can enjoy favorable discount service with the increase of the number of transactions. In the past business transactions, the amount of the estimated reminder was diligently changed based on the past transaction history of the customer or the credit level of the current customer or the purchase amount or quantity of the transaction, and the trading conditions, and the transaction amount was determined by the negotiation with the customer. However, it is not reflected in the method of e-commerce transactions, and it is impossible to build trust relationships with customers in e-commerce transactions. Therefore, in e-commerce transactions, it is necessary to construct a transaction amount estimation system in an e-commerce transaction system because it is necessary to carry out extremely fine estimation prompts shown to customers in order to improve customer satisfaction. [Patent Document 1] JP-A-2001 - 2 1 6572 [Disclosure] [Problems to be Solved by the Invention] However, most of the methods for calculating the estimated amount of transactions using the Internet or a computer are limited to a small number of transactions. If the transaction amount is low, most of them are for A to B or B to B, which cannot be used for one transaction or a transaction amount that is quite large. The present invention has been proposed in view of such circumstances, and its first object is to provide a transaction amount estimating system which can calculate and present an estimated amount of trading conditions that have been considered safe and reasonable. Further, the applicant of the present invention has attempted a system for selecting a product by displaying the product information specified by the attributes of the products by the column and the line together with the selection operation unit in the grid of the respective grids. In this system, for a variety of products displayed on the grid bar, since each of the 200807317 products can be selected in multiples, it is suitable for transactions such as inter-company transactions (A to B or B to B). For example, in a retail store such as a western-style dim sum or a grocery store, although a fixed number of materials or products are ordered from a specific seller such as a wholesale store, if the above system is used, even if the order form is complicated, There is also less need for repetitive operations. However, inter-firm transactions that do not utilize information technology such as the Internet often allow frequent customers to negotiate prices, or even if they are not regular customers, they can generally repeat the estimation and price negotiation by changing the trading conditions. However, if the price negotiation is carried out, it will naturally take a lot of labor or time until the signing of the contract, so the seller is responsible for the expenses of this part, and the result becomes a small profit trader. Moreover, depending on the contract of the price negotiation and the ability of the salesperson or the interaction of the user, the degree of dependence on the human factor is large, and it can be said that it is a method of determining the amount of the contract that the user is unequal. In the present invention, a second object of the present invention is to provide a transaction amount estimating system which can appropriately estimate the transaction amount for each customer in an e-commerce transaction in which such a grid-like list can select a product, and does not use the seller for the seller. Cost, and there is less inequality between customers. The transaction amount estimation system of the present invention is not limited to e-commerce transactions only, and includes general business transactions other than e-commerce transactions or an independent estimation system (estimation simulation). [Method of Solving the Problem] The applicant of the present patent, corresponding to the first and second objects mentioned above, proposes the transaction amount estimation 200807317 system of the first invention in the first to seventh claims of the patent application, and the patent application scope 8 Up to 14 items propose a transaction amount estimation system for the second invention. The transaction amount estimation system described in item 1 of the patent application scope is a transaction amount estimation system for an electronic commerce transaction, which is constituted by a communication terminal and a service server connected to a user side via a communication network, and The service server receives customer identification information, product selection information, and predetermined transaction condition information transmitted by the communication terminal on the user side, and calculates an estimated amount of the selected product. The service server has the following features: 4 The product data management table includes at least a standard price for the products to be sold and supplied; and the customer management table stores customer management information including at least customer identification information for each customer, from the user side. When the communication terminal receives the access, the customer terminal identification information, the transaction condition information, and the product selection information are calculated by referring to the product data management table and the customer management table, and then calculating by a predetermined algorithm. Will increase according to the standard price of the selected item and the total amount of the quantity entered After estimating the amount and displays. Here, the object of the system of the present invention is not limited to the sale of goods consisting of articles, but also the provision of services (the same applies to the present invention shown below). Further, in the example of the predetermined algorithm described in the following embodiments, various other methods can of course be employed. In the transaction amount estimation system described in item 2 of the patent application scope, the computer calculates an estimate of the selected product when the user identification information of the user, the selection of the product, the 200807317 news, and the predetermined transaction condition information are input. The amount and display of the transaction amount estimation system is characterized by: The computer has: a commodity data management table, which includes at least a standard price for the products to be sold and supplied; and a customer management table, which is stored for each customer. Customer management information including at least customer identification information, Φ when customer identification information, transaction condition information, and product selection information are input, by referring to the product data management table and the customer management table, and then performing the predetermined algorithm The calculation process is performed, and an estimated amount after the increase or decrease based on the standard price of the selected commodity and the total amount of the input is calculated and displayed. In the third aspect of the patent application, the customer management table includes customer rating information including at least one of customer credit reference information and customer transaction performance information. φ In the fourth paragraph of the patent application scope, the calculation processing system performs the following calculations: assigns the predetermined weighting to each calculation factor of the established algorithm, and calculates the estimation coefficient based on the estimated calculation factors; according to the standard of the selected commodity The price and the quantity entered are used to calculate the total amount; the estimated amount is calculated based on the total amount and the estimated coefficient. In the fifth application form, the calculation processing is performed as follows: When the customer identification information is input, the customer level determination information is judged on a predetermined basis, and the customer level is determined to be changed according to the determined customer level 200807317. The predetermined price is displayed on the seller's server, and the total amount of the customer's level of the selected item is calculated based on the changed price and the quantity entered; and, when the transaction condition information is entered, the predetermined estimates are made. The calculation factor is assigned the given weight, and based on these estimated calculation factors, the estimated coefficient of the trading condition is calculated by the established algorithm, and the estimated amount is calculated according to the total amount of the customer grade and the trading condition. The transaction amount estimation program described in item 6 of the patent application scope is prepared by using a product data management table including at least a standard price, and a customer management table storing customer management information including at least customer identification information for each customer, and The product to be sold and supplied is calculated by the estimated amount of the product, and is displayed to the user who is likely to purchase, and is characterized by the display step of displaying the predetermined product selection screen for the user who is likely to purchase the user. The acceptance step is to accept input of customer identification information, transaction condition information, and product selection information from a user who may purchase through the product selection screen; the calculation processing step is based on the customer identification information, transaction condition information, and And the selection information of the product, refer to the product data management table, the customer management table, and then perform calculation processing with a predetermined algorithm; and calculate the display step, calculate the standard price according to the calculation process, the selected product, and the input After the total amount of quantity is increased or decreased Estimate the amount and display it. -10- 200807317 The transaction amount estimation program described in item 7 of the patent application scope is prepared by using a product data management table including at least a standard price, and a customer management table storing customer management information of a user who may purchase. In addition, the estimated amount of the product is calculated for the product to be sold and supplied, and is displayed to the user who is likely to purchase, and is characterized by: a display step for displaying the predetermined product to the user who is likely to purchase the user who is accessing the product. The selection screen receives the transaction condition information from the user who is likely to purchase and the selection information of the product through the product selection screen. The calculation processing step refers to the product based on the transaction condition information and the selection information of the product. The data management table and the customer management table are further subjected to calculation processing by a predetermined algorithm; and the calculation display step is performed after the increase or decrease according to the result of the calculation processing, the standard price of the selected commodity, and the total amount of the input quantity. Estimated amount and displayed. The transaction amount estimation system for e-commerce transactions described in Item 8 of the patent application is constituted by a communication terminal and a service server connected to the user side via a communication network, and the service server accepts the user side. The customer identification information, the selection information of the product, and the predetermined transaction condition information sent by the communication terminal, and calculating the estimated amount of the selected product, wherein the selection information of the product is based on the column and row attributes. The seller's server has a list of -11-200807317 commodity grids, which are prepared in accordance with a grid-like list. For products that are sold and supplied, at least the standard price is included. And the customer management table, which stores customer management information including at least customer identification information for each customer, and accepts access from the user terminal's communication terminal to 'send customer identification information, transaction condition information, and product selection. In the case of information, the established calculation is performed by referring to the commodity grid table and the customer management table. The calculation calculates and displays the estimated amount based on the standard price of the product selected by the user and the total amount of the input quantity. The transaction amount estimation system described in the ninth application patent section is configured to calculate the selected product when the customer identification information, the product selection information, and the predetermined transaction condition information are input. The amount is displayed with the following characteristics: The selection information of the product is selected by a list of grids of specific products according to the column and row attributes; the computer has a product grid table, which is prepared corresponding to the grid-like list. The product that is to be sold and provided includes at least a standard price; and the customer management table stores customer management information including at least customer identification information for each customer', in which customer identification information, transaction condition information, and When the selection information of the product is selected, the standard calculation of the product selected by the user and the total amount of the input amount are calculated and decreased by referring to the product grid table and the customer management table 'the predetermined calculation process'. Estimated amount and display -12- 200807317 No ° In the scope of patent application, customer The management table includes customer rating information including at least one of customer credit reference information and customer transaction performance information. In the scope of application for patent scope ii, the calculation processing system performs the following calculations: assigning a predetermined weight to each of the established estimation factors, and calculating the estimation coefficient according to the estimated calculation factors according to the estimation algorithm; The standard price of the selected item and the quantity entered to calculate the total amount; calculate the estimated amount based on the total amount and the estimated coefficient. In the first application of the patent application range, the calculation processing system performs the following calculations: When the customer identification information is input, the customer level discrimination information is judged on a predetermined basis to determine the customer level, and the product grid is determined according to the determined customer level. The standard price of the table is changed to the predetermined price and displayed on the seller server, and the total amount of the customer grade of the selected product is calculated based on the changed price and the entered quantity; and, when the transaction condition information is input According to the estimated calculation factors, the estimated calculation factors are calculated according to the estimated calculation factors, and the estimated factors are calculated according to the total amount of the customer grade and the transaction condition estimation coefficient. The transaction amount estimation program described in claim 13 of the patent application is made by using a product grid table including at least a standard price, and a customer management table storing customer management information including at least customer identification information for each customer, and For the products that are the target of sales and supply, calculate the estimated amount of the product-13-200807317, and display the TfC to the user who may purchase the product. The feature is that the product grid table corresponds to the column and row attributes. A list of grids of products is formed; the display step is to display a list of grids of specific products according to the column and row attributes for the user who is likely to purchase the access; the acceptance step is via a grid-like list. Accepting input of customer identification information, transaction condition information, and product selection information from users who may purchase; calculation processing steps refer to product information based on customer identification information, transaction condition information, and product selection information accepted Management table, customer management table, and then calculated by the established algorithm The calculation and display step is to calculate an estimated amount after the increase or decrease of the total amount of the calculation result, the standard price, and the quantity input, and display 0 the transaction amount estimation program described in item 14 of the patent application scope. It is a customer management table that uses a product grid table including at least a standard price, and a customer management information that stores a user who is likely to purchase, and calculates an estimated amount of the product for the product to be sold and supplied, and Displayed to a user who is likely to purchase, the product is characterized in that: the product grid table is formed in accordance with a list of grid-like products that can be specified according to the column and row attributes; and the display step is a user who is likely to purchase the access. A list of predetermined grids of specific products based on the column and row attributes is displayed. -14- 200807317 The acceptance step is to accept the input of the transaction condition information and the selection information of the product from the user who is likely to purchase via the grid-like list. ; calculation processing steps, based on the transaction conditions and commodities received Selecting the information, referring to the product data management table, the customer management table, and then performing calculation processing with the established algorithm; and calculating the display step, calculating and increasing or decreasing the total amount according to the calculation processing result, the standard price, and the quantity input. The estimated amount after the increase is 7]\° [Effect of the invention] The transaction amount estimation system and program described in Items 1 to 7 of the first application patent of the present invention are established by referring to the transaction condition information and the like. The algorithm performs calculation processing and calculates an estimated amount, so that a discount service that takes into consideration various transaction conditions can be realized. Further, since the estimated amount is recalculated when the transaction condition is changed, the simulation can be easily performed, and more appropriate conditions can be selected, and as a result, the purchase intention of the customer can be improved. If the system is based on the transaction amount estimation method described in item 3 of the patent application scope, it is effective to apply to a risky transaction such as a large number of transactions because it considers the customer credit and transaction performance and calculates the estimated amount. According to the transaction amount estimation system described in item 4 of the patent application scope, since the calculation can be weighted for each calculation factor, the weighting of each factor can be set according to the size of the transaction amount, the form of the transaction, and the like. According to the transaction amount estimation system described in item 5 of the patent application scope, since the product data management table is exchanged by the customer level determined based on the customer grade discrimination information, and the customer level estimation amount is calculated, according to the -15-200807317 The transaction amount estimation coefficient calculated by the transaction condition information and the customer level estimation amount are used to calculate the final estimated amount, so that a very fine discount can be realized, and the basis for the discount and the fare increase can be presented to the user. According to the transaction amount estimating system described in the eighth to thirteenth aspect of the patent application of the second invention, the calculation amount is calculated by a predetermined algorithm by referring to the transaction condition information, and the estimated amount is calculated. Discount services that take into account various trading conditions. Further, since the estimated amount is recalculated when the transaction condition is changed, the simulation can be easily performed, and more appropriate conditions can be selected, and as a result, the purchase intention of the customer can be improved. In the case of the present invention described in the 10th paragraph of the patent application, since the customer credit and transaction performance are carefully considered and the estimated amount is calculated, it is effective when applied to a risky transaction such as a large number of transactions. According to the invention described in the eleventh aspect of the patent application, since the weighting can be assigned to each of the estimated calculation factors, the weighting of each factor can be set according to the size of the transaction amount, the form of the transaction, and the like, and the estimated amount can be calculated. According to the invention described in claim 12, since the product grid is exchanged by the customer level determined based on the customer grade discrimination information, the customer level estimated amount is calculated, and the transaction condition is calculated based on the transaction condition information. The final estimated amount is calculated by estimating the coefficient and the estimated amount of the customer level, so that a very fine discount can be realized, and the basis for the discount and the fare increase can be presented to the user. [Embodiment] Hereinafter, the embodiment of the first and second inventions will be described together with the additional drawings -16-200807317. In the present embodiment, the electronic commerce transaction system of the transaction amount estimation system of the first embodiment of the present invention is exemplified, but is not limited to the electronic commerce transaction system, and can of course be applied to the simulation system in which only the transaction amount is estimated. Estimated amount calculation. Fig. 1 is a diagram showing an example of a system diagram of the electronic commerce transaction system. This system is a configuration in which the service server 10 is installed on a communication network L such as the Internet, and can be accessed from the communication terminal 20 such as a user's personal computer via the Internet L. In the system, the discount service can be provided to the customer according to the credit rating, the transaction performance and the transaction condition of the customer. Therefore, the service server 10 has the following: Customer management table 1 1. Memory storage includes customer identification information of each customer (user ID), credit rating information, and customer rating information of the transaction performance information; the product data management table 1 2, the standard price, the number of stocks, etc. of the goods or services (hereinafter referred to as commodities) to be sold and supplied; The price decision table 1 3, saves the transaction conditions that are subject to the total evaluation amount (total amount), purchase quantity, payment terms, delivery location, delivery date, delivery conditions, etc., and can be obtained from the standard price and the purchase quantity. A variety of information on the estimated price of the total estimated valuation of the transaction. In addition, the above tables 11, 12, and 13 also include a database and a file format. The service server 10 is positioned as a website for operating an e-commerce transaction. When the user operates the communication terminal 20 and performs a display request, the service terminal 20 is sent a product selection screen or the like. On the other hand, the service terminal is terminated. The -17-200807317 machine 20 can perform the selection operation of the product, the list of selected products, the selection operation of the transaction conditions, the display of the total estimated amount of the selected product, and the display of the product. And the order determination of the goods, etc. When the product is purchased by the system, the user activates the browser in the communication terminal device 20, and after displaying the product selection screen (not shown), the product to be purchased is selected on the product selection screen, and is served on the service server 1 When a list of selected products including the total estimated amount is returned to the product to be purchased, the transaction conditions such as the payment condition, the delivery date, the delivery place, and the like are input, and when the order determination operation is performed, the service server 10 follows the The estimated amount accepts the order of the selected item, etc. In the screen display of the communication terminal unit 20, the operation from the list display of the selected item to the selection operation of the transaction condition and the display of the total estimated amount of the selected item is performed. In the second screen (a), the screen G1 displayed after the selection operation of the product or the like is completed, and the display of the list of the selected items including the total amount of the transaction, the number of purchases, and the transaction condition gl2 can be performed on the same screen. Input, customer identification information (user ID) gl3, password gl4 input. In addition, although the trading condition information includes the total amount of the transaction and the number of purchases, the transaction condition g丨2 shown in Figure 2 is defined as the total amount of the transaction and the number of purchases. On this screen G1, when the trial operation button g丨5 is input after the transaction condition gi2, the user ID gl3, and the password g 1 4 are input, the service server 1 performs calculation processing on a predetermined algorithm to be described later, and calculates the estimated amount. The switching display of the screen G2 of the second (b) diagram is performed on the terminal 18 of the -18-200807317. In this screen G2, the estimated amount g21' calculated by the display service server 10 can be further input into the transaction condition g22. If the user is not satisfied with the estimated amount g21, the transaction condition g22 is input again, and the trial button £23 is operated, and the estimation can be repeated. On the other hand, if the order is to be placed according to the displayed estimated amount g2 1 , The OK button g24 is operated to determine the order. As will be described later, although the transaction condition level item also includes the transaction total evaluation amount level and the purchase quantity level, if the item is to be changed, it is only necessary to return to the product selection screen and add or delete the product. Further, as described above, the e-commerce transaction system is a system in which a user ID is required to be transmitted at a time when the user subscribes, etc., but the present invention is not limited thereto. As described below, although the system determines the credit rating of the customer and gives the discount, even if the customer who first met or the customer who has not registered the credit rating, such as the initial registered customer, a fixed level is assigned. Further, each item of the transaction condition g 1 2 may be initially registered, or the data input on the screen G1 may be stored in the customer management table 11 in advance, and the estimated amount may be calculated and displayed without inputting the transaction condition gl2. . Fig. 3 shows the data items of the credit reference information and the transaction performance information in the customer management table 11, and stores and stores the project data shown for each customer. These customer-level data are collected from the survey data and transaction performance data of the investigation authority, etc., and are registered and updated after being graded by the user at various times when the user logs in. -19- 200807317 Next, each item will be explained. In addition, a specific example is shown in Fig. 3 regarding the distribution point and the details of the number of grade points. Further, in this example, XI to X7 are used as credit reference information, and X8 and X9 are expressed as an example of transaction performance information. XI. Frequent flyer level · •• Residents and grades. It is not only based on transaction history, but companies with close relationships with related companies can also be positioned at a high level. update at any time. X2. Industry Level • • A business with a close relationship or a growth potential can be positioned at a high level. update at any time. X3. Credit rating · •• Level of information based on information such as chargebacks, closures, etc. update at any time. X4. Listing category level • • • Assignment level to each market. Unlisted is the lowest level. update at any time. X5·Company scale level ••• Assignment level based on total market price and capital amount. Regularly updated daily, weekly, monthly, etc. X6·Growth grade ••• Grade based on sales growth rate, profit growth rate, etc. Updated every season. X7·Financial soundness level ••• Assignment level based on the percentage of own capital. Updated every season. X8. Number of trades. • • Graded based on past trades. Each transaction is automatically updated. X9·Accounting amount cumulative level·••Accumulated level based on past transaction amount. Each transaction is automatically updated. For the XI and X2 in the project, according to the judgment of the seller, • 20-200807317 For X3, based on the information from the investigation authority, for χ4 to χ7, based on company information, etc., from the company information, for χ8, χ9 According to the transaction performance, log in and update. In particular, Χ8, χ9, if it is automatically updated when the order is confirmed, the level can be updated at each transaction. In addition, although the above-mentioned level assignment is targeted at companies, it is possible to prepare individual customer grades in advance by using other benchmarks. Fig. 4 is an explanatory diagram of the price determination table, for example, indicating that the number of grade points is defined for each transaction φ condition. It is also possible to set the product and the like in consideration of each product. Next, each item will be explained. In addition, a detailed example is shown in FIG. 4 regarding the distribution point and the details of the number of grade points. Υ1·The total amount of the evaluation of the transaction·•• The level of the transaction is converted according to the standard unit price (price can also be used). Υ 2 · Quantity purchased • • • Level is assigned based on the total quantity purchased. In the case of dealing with a single or same commodity, it can also be used to replace the total assessed value of the transaction. φ γ 3 · Payment terms · • • Levels are assigned based on prepaid/purchase/instalment and cash/credit card/remittance/goods to collect/ticket/check combinations. Υ 4 · Delivery location · •• Assignment level based on storefront transactions, on-site delivery, etc. Υ 5 · Delivery date · • • The date is assigned to a higher level, and the earlier is assigned to a lower level. For example, the joint purchase is the highest level, and the following is classified into the end of the next month, standards, emergency, and the like. Υ 6. Delivery conditions·· • According to the presence or absence of inspection, etc., you can also use the credit inquiry, the presence or absence of a guarantor, etc. as a grade item. For example, you can also add this when the payment terms are cash. - 200807317 Some elements. Next, an example of a specific calculation method of the estimated amount will be described. The comprehensive point of the credit rating data is calculated according to the following formula. The total credit rating is X = xl*Xl + · · · + x9*X9 Here, the weight ratio of the χη system can be different depending on each item. For example, if you want to set the proportion of the frequent passenger class (XI) to 2 times, set χΐ to 2 and χ2 to χ9 to 1. That is, the perfect score becomes 100 points. In addition, since the refusal, collapse, etc. of Χ3 are extremely important conditions for the seller, the coefficient χ3 can be set to be negative, the total credit level a can be lowered, and the display of the refusal transaction can be made. Next, the integration point of the transaction condition level is calculated according to the following formula. The total number of trading conditions is Y = y 1*Y1+ · · · + y6* Y6 Here, the yn weighting factor is 60 points if all the weights are the same. These weighting factors xn and yn can be prepared in advance according to the customer (enterprise/individual) or the product. Then, the credit level total X and the transaction condition level total γ are added, and the integration point Z is calculated.
Z = X + Y 將綜合點Ζ轉換成估算係數r。例如，根據第5圖所 示之係數轉換表進行轉換。 最後’對根據標準單價和數量之總金額乘以估算係數 r而算出估算金額。 在本實施例’雖然作成以點數算出綜合性等級，並求 -22- 200807317 得因應於其點數之估算係數，但是亦可作成對各等級項目 自表等抽出估算係數，並將其相乘而算出最後的估算係數。 又，在本實施例，雖然作成綜合信用度、交易實績以 及交易條件，而算出估算金額，但是亦可作成僅根據交易 條件算出。因爲交易條件係現在進行中之交易的條件，所 以藉由變更條件而可實現更多的降價，藉此可提高顧客之 購買意願。相對於此，因爲信用度和交易實績係根據過去 的累積，所以在大量交易、票券結賬等對銷售者側風險大 之交易時附加地利用較佳。又，在風險小之交易，亦可作 成將信用度和交易實績之加權設爲比交易條件的更低。 一般，大量交易不是僅根據交易履歷可決定折扣率 的，雖然需要加上購買數量、付款條件、交貨地點、交貨 曰期、交貨條件等之交易條件並迅速地進行，但是在不寄 望現金結張的情況，對象企業之信用度會成爲重要的因素。 例如，雖然對有合資之企業或大主顧的企業等有特殊 情況之企業可判斷爲信用度極高，但是對受到停止銀行交 易處分等之企業等，需要拒絕交易，或降低折扣率，或設 定加價率等。 又，另一方面，對即使無交易實績亦從企業規模或上 市/未上市區別等的各種資訊所判斷之信用度可能高的顧 客，或交易金額可能龐大的顧客，即使無交易實績，但交 易條件等確實的話，則算出充分反映此等情況的估算金額 較佳。 由於這種情況，在以企業爲交易對象之B2B的交易， -23- 200807317 在算出交易之估算金額的情況，雖然專門之營業員亦對可 能購買之使用者再三地交涉，仔細斟酌交易條件後估算， 但是若依據本發明，因爲可基於合理之根據算出顧慮到大 量交易條件的估算金額並迅速地提示，所以刷掉可能無法 接受估算金額之顧客，僅對可能同意估算金額的顧客，可 進行後續之交涉，而可對廣大範圍的使用者順利地進行營 業活動。 以上所示之交易金額估算系統亦可經由通信網路或記 錄媒體，將交易金額估算程式下載至其他的電腦並執行。 又，程式亦可下載至可能購買之使用者的通信終端機並執 行。在此情況，對伺服器存取之使用者在登入（輸入使用者 ID)後下載交易金額估算程式，並將顧客管理表限定爲僅關 於該使用者之資訊較佳。 該交易金額估算程式爲依序執行如下之步驟：商品選 擇畫面之顯示步驟；交易條件資訊、商品之選擇資訊的輸 入受理步驟；根據既定的演算法之計算處理步驟；以及估 算金額之算出、顯示步驟。 [第2實施形態] 在本實施形態，舉例表示應用係第一本發明的交易金 額估算系統之利用獨立電腦的訂購系統、估算模擬系統。 第6圖係該系統的系統圖。 本系統應用於單獨執行（staudalone)的電腦30等，該電 腦30除了具有在第1實施形態所示之顧客管理表Π、商品 資料管理表12、以及價格決定表13以外，還具有輸入、顯 -24-Z = X + Y converts the integrated point 成 into the estimated coefficient r. For example, the conversion is performed according to the coefficient conversion table shown in Fig. 5. Finally, the estimated amount is calculated by multiplying the total amount of the unit price and quantity by the estimated coefficient r. In the present embodiment, although the comprehensive level is calculated by the number of points, and -22-200807317 is obtained according to the estimation coefficient of the number of points, it is also possible to extract the estimation coefficient from the table for each level item, and to compare Multiply and calculate the final estimated coefficient. Further, in the present embodiment, although the estimated amount is calculated by making the comprehensive credit, the transaction performance, and the transaction condition, it may be calculated based only on the transaction conditions. Since the trading conditions are the conditions of the ongoing transaction, it is possible to achieve more price reductions by changing the conditions, thereby increasing the customer's willingness to purchase. On the other hand, since credits and transaction performances are accumulated based on the past, it is preferable to use them in a large number of transactions, ticket settlements, and the like, which are risky to the seller side. In addition, in small-risk transactions, it is also possible to set the weight of credit and transaction performance to be lower than the trading conditions. Generally, a large number of transactions may not be based on the transaction history to determine the discount rate. Although it is necessary to add the transaction conditions such as purchase quantity, payment terms, delivery location, delivery deadline, delivery conditions, etc., and proceed promptly, Looking at the cash situation, the creditworthiness of the target company will become an important factor. For example, although a company with special circumstances, such as a joint venture company or a big customer, can judge that the credit is extremely high, it is necessary to refuse the transaction, or reduce the discount rate, or set up the fare increase for companies that have been suspended from bank transactions. Rate and so on. On the other hand, on the other hand, customers who may have high credit ratings judged from various information such as the size of the company or the difference between the listing and the unlisted, or the customers whose transaction amount may be large, even if there is no transaction performance, the trading conditions If it is true, it is better to calculate the estimated amount that fully reflects these conditions. Due to this situation, in the case of B2B transactions that are traded by the company, -23- 200807317 in calculating the estimated amount of the transaction, although the special salesperson also makes repeated negotiations with the users who may purchase, carefully consider the trading conditions and estimate However, according to the present invention, since the estimated amount of a large number of trading conditions can be calculated based on a reasonable basis and promptly prompted, the customer who may not be able to accept the estimated amount can be swiped, and only the customer who may agree to the estimated amount can be followed. Negotiations, and can smoothly carry out business activities for a wide range of users. The transaction amount estimation system shown above can also download the transaction amount estimation program to another computer and execute it via the communication network or the recording medium. Also, the program can be downloaded to a communication terminal of a user who may purchase and executed. In this case, it is preferable that the user accessing the server downloads the transaction amount estimating program after logging in (inputting the user ID) and restricts the customer management table to only the information about the user. The transaction amount estimation program sequentially performs the following steps: a display step of the product selection screen; a transaction condition information, an input acceptance step of the selection information of the product; a calculation processing step according to the predetermined algorithm; and calculation and display of the estimated amount step. [Second Embodiment] In the present embodiment, an application system and an estimation simulation system using an independent computer of the transaction amount estimation system of the first invention of the present invention are exemplified. Figure 6 is a system diagram of the system. This system is applied to a computer 30 or the like that is executed in a stand-alone manner. The computer 30 has input and display in addition to the customer management table, the product data management table 12, and the price determination table 13 shown in the first embodiment. -twenty four-
200807317 示終端機3 1，以可自操作顯示手段在被輸入有 訊（使用者ID)、交易條件資訊、以及商品等之 又根據輸入資訊及各表資訊，藉由以既定的演 算處理而可算出估算金額。利用這些表11、12 處理等各種的處理，構成交易金額估算程式。 式亦可經由通信網路或記錄媒體下載至其他 行。 此外，因爲既定的演算法、各種顯示畫面 實施形態所記載者相同，所以省略其說明。 [第3實施形態] 在本實施形態，舉例表示係第二本發明之 商務交易系統。 第7圖係表示同一電子商務交易系統之 例。又，第8圖係表示在使用者之通信終端機 商品選擇畫面之一例。 本系統爲將銷售者伺服器1 0 A設置於網際 信網路L上，經由網際網路L，可從使用者之 的通信終端機20向銷售者伺服器10A存取之才 在本系統，可根據顧客之信用度、交易責 條件向顧客提供折扣服務，因而，銷售者伺服 有：顧客管理表11，記憶保存包含有各顧客之 訊（使用者ID)、信用度參照資訊、以及交易養 客等級判別資訊；商品格子表1 2 A，包含有域 象的商品之標準價格、庫存數等；以及價格決 顧客識別資 選擇資訊， 算法進行計 、1 3及計算 此外，此程 的電腦並執 係和在第1 一例的電子 系統圖的一 20所顯示的 網路等的通 個人電腦等 _造。 績以及交易 器10A具備 .顧客識別資 '績資訊的顧 :爲銷售之對 定表13，保 -25- 200807317 存使因應於交易總評估金額（總金額）、購買數量、付款條 件、交貨地點、交貨日期、交貨條件等的交易條件，而可 決定將由標準價格和購買數量所算出之的交易總評估金額 增減的估算價格之各種資訊。 此外’上述之各表1 1、1 2 A、以及1 3亦包含資料庫、 檔案形式。 此銷售者伺服器10A係以Web伺服器構築，在使用者 操作通信終端機20並進行存取時，使用者對於想購買的商 品，從商品格子表1 2 A取出成爲對象之商品的單價等之商 品資訊，編輯包含有成二維排列之格子狀之一覽表b20的 商品選擇畫面B之畫面資訊，並向使用者的通信終端機2〇 發送該畫面資訊，經由瀏覽器（未圖示）下載畫面資訊並顯 示於通信終端機20的顯示畫面，又藉由操作該商品選擇畫 面而可選擇商品。 商品格子表1 2 A係按照各商品區分，至少包含有至少 具有商品屬性及商品單價之商品個別資訊，又包含有對於 多種相關商品共同之資訊的商品群共同資訊而構成。此商 品格子表1 2 A例如在支援辦公室側進行商品選擇畫面B之 格子狀之一覽表b20的畫面設計時，同時被登錄爲商品主 目錄。 銷售者伺服器10A按照使用者之通信終端機20的操 作，對於由多種相關商品所構成之特定的商品群，將該商 品群共同之資訊顯示於商品選擇畫面B的共同欄b 1 0，將 二維地排列該商品群所含之多種相關商品的各單價等之格 -26- 200807317 子欄顯示於商品選擇畫面B的格子狀之一覽表b20。然後， 在該商品選擇畫面B選擇商品，並輸入預定購買數量，而 進行對手推車14的儲存操作時，向銷售者伺服器10A送回 該購買資訊。在此，手推車14係表示設置於銷售者伺服器 10A之記憶部（未圖示）的各使用者之記憶區域。 商品選擇畫面B包含有如下之要素：共同欄b 1 0，表 示按照某商品分類所分組之商品群（在第8圖之例子爲開領 短袖襯衫）的共同資訊；二維排列之一覽表b20，將顏色作 爲行項目的屬性，將尺寸作爲列項目的屬性·，以及估算按 鈕b31、總金額顯示部b32、儲存按鈕b33等。 又’亦可作成估算按鈕b31、總金額顯示部b32未設置 於商品選擇畫面B，而在選擇選擇之商品、購買數量後， 在其他的畫面顯示。將估算按鈕b31、總金額顯示部b32 納入商品選擇畫面B，係因爲操作時可一面看該畫面資 訊，一面確認所選擇之商品，所以使用者的操作係簡單且 便利。 在共同欄b 1 0，顯示從商品格子表之商品群共同資訊 所取出之商品樣品影像b 11、商品名稱、原材料、銷售單位 等之共同項目。此商品樣品影像不僅相片，亦可係由符號 或圖所構成的。 在格子狀之一覽表b20設置列屬性b21、行屬性b22 的項目顯示欄，將按照列、行區分這些商品之屬性而特定 的商品之資訊顯示於係列、行的交點之各格子b 2 3。在各格 子b 23之上段顯示標準單價b24、在下段顯示預定購買數量 -27- 200807317 的輸入窗b25a，此輸入窗b25構成使可輸入購買數量的輸 入操作區域。此輸入窗b25亦可作成以十個數字鍵直接輸 入購買數量，亦可作成以下拉選單顯示銷售單位之倍數， 並可從中選擇。使用者藉由在此輸入窗b 25輸入數量，而 可選擇該格子b23的商品。此外，亦可設置無法指定數量 之檢查盒或無線按鈕來取代購買數量輸入窗b 25。 此外，在一覽表b20亦可顯示以符號或圖、相片表示 的商品資訊。例如，若將具有顏色之開領短袖襯衫的符號 顯示於顏色之項目欄b22，或以該顏色顯示各色的行整體， 使用者可正確地輸入選擇。 使用者在通信終端機20叫出此畫面B後，在格子狀的 一覽表b20內之所要的商品格子b23的輸入窗b25a輸入預 定購買數量，並操作估算按鈕b31時，將識別所選擇之商 品的資訊和該預定購買數量等送回銷售者伺服器1 0 A。在 伺服器1 0 A，根據該商品之預定購買數量和單價計算總購 買金額，再和已選擇之商品合計，並向通信終端機20送回 將該總金額顯示於總金額顯示部b32所需之畫面資訊。在 收到此畫面資訊之通信終端機20，藉由瀏覽器動作而更新 畫面。每次重複這種操作就更新顯示，然後，使用者操作 儲存按鈕b33時，向銷售者伺服器10A發送關於已輸入預 定購買數量之商品的商品資訊，並儲存於手推車1 4。 又，在跨多個商品選擇畫面B進行選擇操作的情況， 每次操作儲存按鈕b33就向同一手推車14依序逐步記憶、 儲存商品資訊，而每次操作估算按鈕b31，就顯示至那時爲 -28- 200807317 止所合計之總合計金額。 此外，合計顯示亦可分成僅關於一個商品群之格子一 覽的小計、和關於所選擇之全部的格子一覽之累計（總合 計）。 又在本系統，作成當操作儲存按鈕b33時，將商品資 訊儲存於手推車14，而且跳越顯示第9圖所示之交易條件 等輸入畫面Ο 第9圖係以在通信終端機20的畫面顯示中表示至手推 車1 4所儲存之選擇商品的一覽顯示、交易條件的選擇操 作、所選擇之商品等的總估算金額顯示爲止之動作。 第9(a)圖係作成在商品等之選擇操作結束後所顯示的 畫面C 1，在同一畫面可進行在商品選擇畫面B之格子狀的 一覽表b20所選擇輸入之商品的交易總評估金額（總金 額）、購買數量等之商品一覽ell的顯示、交易條件cl2之 輸入、顧客識別資訊（使用者ID)cl3、密碼cl4的輸入。 在此畫面C1，在被輸入交易條件cl2、使用者IDcl3、 密碼cl4後，操作試算按鈕cl5時，銷售者伺服器10A以 後述之既定的演算法進行計算處理，而算出估算金額，並 將第9(b)圖之畫面C2切換顯示於通信終端機20。在此畫 面C2，顯示銷售者伺服器10A所算出之估算金額c21，又 可再輸入交易條件c22。在使用者對估算金額c21不滿意的 情況再輸入交易條件c22，並操作試算按鈕c23，可重複估 算，另一方面，想按照所顯示之估算金額c2 1下單的情況， 操作確定按鈕c24，而可確定訂購。 -29- 200807317 如後述所示，作爲交易條件資訊亦可在其等級項目包 含有交易總評估金額等級、購買數量等級，而在想變更這 些項目的情況，只要回到商品選擇畫面B並變更、追加、 刪除商品之選擇即可。 此外，如上述所示，此電子商務交易系統雖然係以在 使用者訂購時等的時序發送使用者ID爲必要條件之會員 制的系統，但是未限定如此。如以下之說明所示，在本系 統雖然作成判定顧客之信用度等級並給與折扣，但是即使 係初次見面的顧客或初期登錄顧客等未保存信用度等級之 顧客，亦賦與固定的等級。 又，交易條件c 1 2之各項目亦可作成初期登記的，或 者預先將在此畫面C 1所輸入之資料保存於顧客管理表 11’而在不輸入交易條件C12下，就可算出估算金額並顯 不 ° 畫面C2所顯示之估算金額係，將關於該顧客的信用度 φ 參照資訊、交易實績資訊以及交易條件資訊所含之各項目 ί乍爲估算計算因數，對各估算計算因數賦與加權並將其綜 合而算出估算係數後，在商品選擇畫面Β對所算出之總金 額乘以該估算係數而算出。 以下，說明計算處理的細節。此外，在以下，雖然作 Μ信用度參照資訊、交易實績資訊以及交易條件資訊之各 項目表示其一例，但是未限定如此，亦可包含任意的項目。 又’顧客管理表11之中的信用度參照資訊、交易實績 資訊之各資料項目，因爲在第1實施形態之第3圖表示， -30- 200807317 所以省略說明。這些顧客等級資料係在使用者進行會員登 錄時及以後之各種時序，從調查機關等的調查資料或交易 實績資料等收集、並被等級點數化後登錄、更新。 關於價格決定表1 3，亦因爲在第1實施形態之第4圖 表示，所以省略說明。 其次，說明估算金額之具體的算出方法之一例。 根據下式算出信用度等級資料的綜合點。 信用度等級總計Χ = χ1*Χ1+ · · · + x9*X9 在此，xn係加權係數，作成比重可因各項目而異。例 如，若想僅將常客等級（XI)之比重設其他的2倍，將xl設 爲2，而將x2〜x9設爲1。即，滿分變成100點。 此外，X3之拒付、倒閉等，因爲係對銷售者極重要的 條件，所以亦可將係數x3設爲負，使信用度等級總計A變 低，亦可作成可拒絕交易的顯示。 接著，根據下式算出交易條件等級的綜合點。 交易條件等級總計Y：=yl*Yl+· · ·+γ6*Υ6 在此，yn係加權係數，若全部比重相同，滿分爲60 點。 這些加權係數xn、yn，亦可根據顧客別（企業/個人）、 商品別預先準備多種。 然後，將信用度等級總計X和交易條件等級總計Y相 加，而算出綜合點Z。200807317 The terminal device 3 1 is capable of inputting a message (user ID), transaction condition information, and merchandise, etc., according to the input information and the table information, by means of a predetermined calculation process. Calculate the estimated amount. The transaction amount estimating program is constituted by various processes such as the processing of these tables 11 and 12. It can also be downloaded to other lines via a communication network or recording medium. In addition, since the descriptions of the predetermined algorithms and the various display screen embodiments are the same, the description thereof will be omitted. [Third embodiment] In the present embodiment, a business transaction system of the second invention is exemplified. Figure 7 shows an example of the same e-commerce transaction system. Further, Fig. 8 shows an example of a product selection screen of a communication terminal of the user. The system is configured to set the seller server 10A on the internet network L, and access the user's communication terminal 20 to the seller server 10A via the Internet L. The discount service can be provided to the customer according to the customer's credit degree and transaction responsibility condition. Therefore, the seller's servo has a customer management table 11, and the memory save includes each customer's message (user ID), credit reference information, and transaction fostering level. Discriminating information; commodity grid table 1 2 A, including the standard price of the commodity with the domain image, inventory number, etc.; and the price of the customer identification information selection information, algorithm calculation, 13 and calculation It is connected to a personal computer such as a network displayed on the 20th of the electronic system diagram of the first example. The performance and the transaction device 10A are provided with the customer identification information. The sales information is set to the sales table 13 and the maintenance is based on the total evaluation amount (total amount), purchase quantity, payment terms, and delivery. The trading conditions of the location, delivery date, delivery conditions, etc., and may determine various information of the estimated price that increases or decreases the total estimated amount of the transaction calculated from the standard price and the purchase quantity. In addition, each of the above tables 1 1 , 1 2 A, and 1 3 also includes a database and a file format. The seller server 10A is constructed by a web server, and when the user operates the communication terminal 20 and accesses the product, the user extracts the unit price of the target product from the product grid table 1 2 A for the product to be purchased. The product information includes the screen information of the product selection screen B of the list b20 arranged in a two-dimensional array, and the screen information is transmitted to the communication terminal 2 of the user, and is downloaded via a browser (not shown). The screen information is displayed on the display screen of the communication terminal unit 20, and the product can be selected by operating the product selection screen. The commodity grid table 1 2 A is composed of at least the product individual information having at least the product attribute and the unit price of the product, and the product group information including the information common to the plurality of related products. When the screen design of the list b20 of the product selection screen B is performed on the support office side, the product list 1 2 A is also registered as the product main catalog. The seller server 10A displays the information common to the product group on the common column b 1 0 of the product selection screen B for the specific product group composed of a plurality of related products in accordance with the operation of the communication terminal 20 of the user. The unit price of each of the plurality of related products included in the product group is two-dimensionally arranged. -26-200807317 The sub-column is displayed on the grid-like list b20 of the product selection screen B. Then, the product is selected on the product selection screen B, and the predetermined purchase quantity is input, and when the storage operation of the cart 14 is performed, the purchase information is sent back to the seller server 10A. Here, the cart 14 indicates a memory area of each user installed in a memory unit (not shown) of the seller server 10A. The product selection screen B includes the following elements: a common column b 1 0, which indicates common information of a product group grouped according to a certain product classification (an open-collar short-sleeved shirt in the example of Fig. 8); a list of two-dimensional arrays b20 The color is used as the attribute of the line item, the size is used as the attribute of the column item, and the estimation button b31, the total amount display portion b32, the storage button b33, and the like. Further, the estimation button b31 and the total amount display unit b32 may not be provided on the product selection screen B, and after the selected item and the number of purchases are selected, they are displayed on other screens. The estimation button b31 and the total amount display unit b32 are included in the product selection screen B, and since the selected item can be confirmed while viewing the screen information during the operation, the user's operation is simple and convenient. In the common column b 1 0, a common item such as the product sample image b 11 taken out from the product group common information of the product grid table, the product name, the raw material, and the sales unit is displayed. This product sample image is not only a photo, but also a symbol or a figure. In the grid-like list b20, the item display column of the column attribute b21 and the row attribute b22 is set, and the information of the product specified by the attributes of the products by the columns and rows is displayed on each of the grids b 2 3 at the intersection of the series and the line. The standard unit price b24 is displayed in the upper portion of each of the sub-frames b, and the input window b25a of the predetermined purchase quantity -27-200807317 is displayed in the lower stage. This input window b25 constitutes an input operation area in which the purchase quantity can be input. The input window b25 can also be directly input into the purchase quantity by ten number keys, or can be made into a multiple of the sales unit by the following pull menu, and can be selected from it. The user can select the item of the grid b23 by inputting the number in the input window b25. In addition, you can set a check box or wireless button that cannot be specified in quantity to replace the purchase quantity input window b 25. Further, in the list b20, product information indicated by symbols, figures, and photos can be displayed. For example, if the symbol of the open-collar short-sleeved shirt having the color is displayed on the color item column b22, or the entire line of each color is displayed in the color, the user can input the selection correctly. When the communication terminal 20 calls the screen B, the user inputs a predetermined purchase quantity in the input window b25a of the desired item grid b23 in the grid-like list b20, and when the evaluation button b31 is operated, the selected item is identified. The information and the predetermined purchase amount are sent back to the seller server 10 A. The server 10 A calculates the total purchase amount based on the predetermined purchase quantity and unit price of the product, and then totals the selected product, and returns the total amount to the communication terminal 20 to display the total amount to the total amount display unit b32. Picture information. The communication terminal 20 that has received this screen information updates the screen by the browser action. Each time the operation is repeated, the display is updated. Then, when the user operates the store button b33, the seller server 10A transmits product information about the product in which the predetermined purchase amount has been input, and stores it in the cart 14. Further, in the case where the selection operation is performed across the plurality of product selection screens B, the product information is sequentially stored and stored in the same cart 14 in sequence, each time the storage button b33 is operated, and the evaluation button b31 is operated each time until the display is -28- 200807317 Total amount totaled. Further, the total display can be divided into a subtotal of only one grid of one product group, and an accumulation (total total) of a list of all the selected ones. Further, in the present system, when the storage button b33 is operated, the product information is stored in the cart 14, and the input screen such as the transaction condition shown in Fig. 9 is skipped, and the ninth picture is displayed on the screen of the communication terminal 20. The operation is performed until the list of the selected products stored in the cart 14 is displayed, the selection operation of the transaction conditions, and the total estimated amount of the selected product are displayed. In the case of the screen C1 displayed after the selection operation of the product or the like is completed, the total evaluation amount of the item selected for selection in the list b20 of the product selection screen B can be performed on the same screen ( The display of the product list ell, the input of the transaction condition cl2, the input of the customer identification information (user ID) cl3, and the password cl4 are entered. On this screen C1, when the trial button cl5 is operated after the transaction condition cl2, the user IDcl3, and the password cl4 are input, the seller server 10A performs calculation processing on a predetermined algorithm described later, and calculates the estimated amount, and The screen C2 of the figure 9(b) is switched and displayed on the communication terminal 20. In this screen C2, the estimated amount c21 calculated by the seller server 10A is displayed, and the transaction condition c22 can be input again. If the user is not satisfied with the estimated amount c21, the transaction condition c22 is input again, and the trial button c23 is operated to repeat the estimation. On the other hand, if the order is to be placed according to the displayed estimated amount c2, the determination button c24 is operated. And you can confirm the order. -29- 200807317 As described later, the transaction condition information may include the total transaction evaluation amount level and the purchase quantity level in the rating item, and if you want to change these items, you may return to the product selection screen B and change it. You can add or delete items. Further, as described above, the e-commerce transaction system is a system in which a user ID is required to be transmitted at a time when the user subscribes, etc., but the present invention is not limited thereto. As shown in the following description, in this system, although the credit rating of the customer is determined and the discount is given, even if the customer who first met or the customer who has not previously stored the credit rating, such as the initial registered customer, a fixed rating is assigned. Further, each item of the transaction condition c 1 2 may be initially registered, or the data input on the screen C 1 may be stored in the customer management table 11' in advance, and the estimated amount may be calculated without inputting the transaction condition C12. And the estimated amount displayed on the screen C2 is the weighting of the customer's credit φ reference information, transaction performance information, and transaction condition information as the estimated calculation factor, and weighting the estimated calculation factors. After calculating the estimated coefficients, the total amount of the calculated total amount is multiplied by the estimated coefficient on the product selection screen. The details of the calculation processing will be described below. In addition, in the following, although each item of the credit reference information, the transaction performance information, and the transaction condition information is an example, it is not limited thereto, and any item may be included. Further, since the data items of the credit reference information and the transaction performance information in the customer management table 11 are shown in Fig. 3 of the first embodiment, -30-200807317, the description is omitted. These customer-level data are collected from the survey data, such as survey data, transaction performance data, etc., at the time of the user's member registration and subsequent registration, and are registered and updated after being graded. Since the price determination table 13 is also shown in Fig. 4 of the first embodiment, the description thereof is omitted. Next, an example of a specific calculation method of the estimated amount will be described. The comprehensive point of the credit rating data is calculated according to the following formula. Credit rating total Χ = χ1*Χ1+ · · · + x9*X9 Here, the xn weighting factor can be made different depending on each item. For example, if you want to set the proportion of the frequent passenger level (XI) to 2 times, set xl to 2 and set x2 to x9 to 1. That is, the perfect score becomes 100 points. In addition, X3's refusal, bankruptcy, etc., because it is a very important condition for the seller, the coefficient x3 can be set to be negative, the credit rating total A can be lowered, and the display can be rejected. Next, the integration point of the transaction condition level is calculated according to the following formula. The total transaction condition level is Y:=yl*Yl+· · ·+γ6*Υ6 Here, the yn system weighting factor is 60 points if all the weights are the same. These weighting factors xn and yn can be prepared in advance according to the customer (enterprise/individual) or the product. Then, the credit level total X and the transaction condition level total Y are added, and the integration point Z is calculated.
Z = X + Y 將綜合點Ζ轉換成估算係數r。例如，根據在第1實 -31- 200807317 施形態的第5圖所示之係數轉換表進行轉換。 最後’對根據標準單價和數量之總金額乘以估算係數 r而算出估算金額。 依此方式所算出之估算金額顯示於第9(b)圖所示的畫 面。然後，再次叫出商品選擇畫面B時，在該畫面，和估 算金額無關地顯示根據標準單價的總金額（參照第8圖）。 此外’亦可或者顯示附加而算出的估算金額，以取代此總 金額。 在本實施例，雖然作成以點數算出綜合性等級，並求 得因應於該點數之估算係數，但是亦可作成對各等級項目 自表等抽出估算係數’並將其相乘而算出最後的估算係數。 又，在本實施例，雖然作成綜合信用度、交易實績以 及交易條件，而算出估算金額，但是亦可作成僅根據交易 條件算出。因爲交易條件係現在進行中之交易的條件，所 以藉由變更條件而可實現更多的降價，藉此可提高顧客之 購買意願。而，因爲信用度和交易實績係根據過去的累積， 所以在大量交易、票券結賬等對銷售者側風險大之交易時 附加地利用較佳。又，在風險小之交易，亦可作成將信用 度和交易實績之加權設爲比交易條件的更低。 一般，大量交易不是僅根據交易履歷可決定折扣率 的，雖然需要加上購買數量、付款條件、交貨地點、交貨 日期、交貨條件等之交易條件並迅速地進行，但是在不寄 望現金結賬的情況，對象企業之信用度會成爲重要的要素。 例如，雖然對有合資之企業或大主顧的企業等有特殊 -32- 200807317 情況之企業可判斷爲信用度極高，但是對受到停止銀行交 易處分等之企業等，需要拒絕交易，或降低折扣率，或設 定加價率等。 又，另一方面，對即使無交易實績亦從企業規模或上 市/未上市區別等的各種資訊所判斷之信用度可能高的顧 客，或交易金額可能龐大的顧客，即使無交易實績，若交 易條件等確實的話，則算出充分反映此等情況的估算金額 較佳。 由於這種情況，在以企業爲交易對象之B2B的交易， 在算出交易之估算金額的情況，雖然專門之營業員亦對可 能購買之使用者再三地交涉，仔細斟酌交易條件後估算， 但是若依據以B2B爲主要目的之格子的本發明系統，因爲 可基於合理之根據算出顧慮到大量交易條件的估算金額並 迅速地提示，所以刷掉可能無法接受估算金額之顧客，僅 對可能同意估算金額的顧客進行後續之交涉，而可對廣大 範圍的使用者順利地進行營業活動。 又，因爲若變更交易條件的話亦再計算估算金額，所 以可使用於更提高折扣率之模擬變得簡單，而可選擇更適 當的條件。結果，可更提高顧客之購買意願。 以上所示之交易金額估算系統亦可經由通信網路或 記錄媒體，將交易金額估算程式下載至其他的電腦並執 行。又，程式亦可下載至可能購買之使用者的通信終端機 並執行。在此情況，對伺服器存取之使用者在登入（輸入使 用者ID)後下載交易金額估算程式，並將顧客管理表限定爲 -33- 200807317 僅關於該使用者之資訊較佳。 此交易金額估算程式爲依序執行如下之步驟的構造， 商品選擇畫面（格子狀之一覽表）之顯示步驟；交易條件資 訊、商品之選擇資訊的輸入受理步驟；根據既定的演算法 之計算處理步驟；以及估算金額之算出、顯示步驟。 [第4實施形態] 因爲本實施形態之系統圖和第3實施形態一樣，所以 省略圖示。 本實施形態雖然作成和第3實施形態一樣在具有格子 狀之一覽表b20之商品選擇畫面B可選擇商品，但是作成 所選擇之商品等的估算金額分成顧客識別資訊（使用者ID) 之輸入後和交易條件的輸入後分段地算出並顯示。 第1 0圖係用以說明本實施形態之表示使用者在通信 終端機20之操作及處理動作的流程圖。又，第1 1圖係表 示商品選擇畫面B的顯示之輸入例、第12圖係表示使用者 ID輸入例、第1 3圖係表示使用者ID輸入後的商品選擇晝 面B之顯示例，第1 4圖係表示交易條件輸入畫面之顯示形 態的一例。 要求顯示商品選擇畫面B時，在各格子b23顯示包含 有標準價格之一覽表b20,在該格子狀的一覽表b 20選擇商 品並操作估算按鈕b31時，銷售者伺服器l〇A根據所選擇 之商品的標準價格和數量算出總金額，並顯示於通信終端 機20之畫面（參照第1〇圖之步驟31及第11圖）。又，在第 11圖，表示估算按鈕b31之操作後的顯示狀態。此外，關 -34- 200807317 於此畫面B之其他的項目，賦與和第8圖相同之符號並省 略說明。 接者’顯75使用者ID輸入畫面D1，並輸入使用者ID、 密碼後，伺服器1 0 A從顧客管理表11取出該使用者之信用 度參照資訊及交易實績資訊，將各等級點數相加，而算出 信用度等級資料的綜合點。此外，因爲綜合點之算出方法 和第1實施形態一樣，所以省略詳細的說明。 根據所算出之綜合點決定綜合等級，將商品格子表 1 2 A所記憶之標準價格變更爲根據所決定的綜合等級之價 格，再根據該已變更的價格算出估算金額，並顯示於畫面 D2(參照第10圖之步驟S2及第12(a)、（b)圖）。此外，如第 12(a)圖所示，亦可在已叫出使用者ID輸入畫面D時，顯 示根據標準價格之總金額dl 3。 例如，預先準備將綜合點之範圍和綜合等級賦與對應 的表（未圖示）等，並從該使用者之已算出的綜合點決定綜 合等級即可。又，預先準備使價格因該各綜合等級而異之 顧客等級別商品格子表（未圖示），並和標準價格之商品格 子表1 2 A調換時，就可根據因應於等級的價格簡單地算出 估算金額。 按照各等級所保存之價格相異的顧客等級別格子表， 在支援辦公室側設計商品選擇畫面B時，雖然產生在資料 上包含有標準價格之商品格子表12A，但是只要作成可與 其同時按照等級種類產生即可。此外，亦可作成不準備這 種顧客等級別格子表，而在已判定綜合等級之時刻，調換 -35- 200807317 爲將因應於其等級的係數乘以商品格子表12A之各標準單 價而求得之折扣或加價價格。 然後’要求顯不商品選擇畫面B時，將根據該使用者 的綜合等級所決疋之顧客寺級別商品格子表所保存的價 格’顯示於格子狀之一覽表的各格子，而且顯示根據該價 格和數量所算出之總金額（參照第10圖之步驟S3及第13 圖）。 在第13圖之例子，若依據該等級，對於4種顏色的開 領短袖襯衫之中的白和紅之2色採用折扣單價，並將根據 該一覽表b20之各格子b23所顯示的價格再計算的總金額 作爲估算金額顯示。 此外’在此單價已變更之格子一覽表b20，又進行商 品的追加、變更、刪除並進行估算操作時，根據該一覽表 b20之各格子b23所顯示的價格再算出總金額，並顯示於通 信終端機20。 接著’在此商品選擇畫面B進行手推車儲存操作時， 顯示交易條件等輸入畫面C1，在此畫面C1，在被輸入交易 條件c 1 2後，操作試算按鈕c 1 5時，銷售者伺服器1 0 A以 既定的演算法進行計算處理而算出估算金額，並顯示於通 信終端機20(參照第1〇圖之步驟S4及第14(a)、（b)圖）。 在此，在計算處理，將所輸入之交易條件資訊所含的 各項目作爲估算計算因數，對各估算計算因數賦與加權並 將其綜合而算出估算係數後，在商品選擇畫面B對所算出 之總金額乘以該估算係數而算出估算金額。即，在本實施 -36- 200807317 形態，和第1實施形態相異’估算計算因數未包含信用度 參照資訊、交易實績資訊之各項目，而採用僅根據交易條 件所算出的估算係數。 根據交易條件之估算係數，係算出交易條件資訊的綜 合點，並從該綜合點根據係數轉換表轉換成估算係數。此 外，係數轉換表係根據交易條件資訊的綜合點者，雖然和 第5圖所示之表的內容相異，但是因爲係根據一樣之想法 的，所以省略圖示。 若根據所輸入之交易條件資訊的估算係數係0.85(15% 折扣）時，最後之估算金額變爲對根據在第1 3圖所算出之 顧客等級的估算金額278000日圓乘以0.85而算出之金額 23 6300日圓（參照第14(a)、（b)圖）。此外，爲了向使用者容 易明暸地表示減價之程度，亦可作成和估算金額一起將根 據標準價格和購買數量所算出的交易總評估金額顯示於同 一畫面。 在此畫面C2，顯示銷售者伺服器10A所算出之總評估 金額c21後，可再輸入交易條件C22。在使用者對估算金額 c21不滿意的情況再輸入交易條件c22,並操作試算按鈕c23 而可重複估算，而在想按照所顯示之估算金額C2 1下單的 情況，操作確定按鈕c2’4，而可確定訂購。 又’在追畫面Cl、C2，操作商品選擇按鈕cl6、c25, 而再顯示商品選擇畫面B(參照第13圖），亦可再選擇商品。 即，可重複各種的商品選擇、交易條件輸入，並算出估算 金額（參照第1 〇圖）。 -37- 200807317 即，在本實施形態，作成銷售者伺服器1 0 A在通信終 端機20輸入使用者ID後，根據格子狀的一覽表b20,算出 根據該使用者之顧客等級的估算金額，而以後在被輸入交 易條件資訊時，算出根據所輸入之交易條件的估算係數， 並使用該估算係數算出最後之估算金額，顯示於使用者的 通信終端機20。 若依據這種2階段之估算金額的算出、顯示之時，可 實現極微細之折扣，而且可向使用者提示折扣或加價之依 據。又，因爲係因應於顧客等級使格子狀之一覽表b20的 各格子b23相異之構造，所以若採用預先準備各等級的商 品格子表並調換爲各表之構造，能僅將同一格子內之例如 滞銷的部分商品設爲便宜等，而能以對銷售者有利之折扣 方法令顧客滿意。 [第5實施形態] 在本實施形態，舉例表示應用第二本發明的交易金額 估算系統之利用單獨之電腦的訂購系統、估算模擬系統。 第1 5圖係該系統的系統圖。 本系統應用於單獨執行（stand alone)的電腦30A等，該 電腦30 A除了具有在第3實施形態所示之顧客管理表11、 商品格子表1 2 A、以及價格決定表1 3以外，還具有輸入、 顯示終端機3 1，以可自操作顯示手段在被輸入有顧客識別 資訊（使用者ID)、交易條件資訊、以及商品等之選擇資訊， 又根據輸入資訊及各表資訊，藉由以既定的演算法進行計 算處理而可算出估算金額。利用這些表Π、12A、13及計 -38- 200807317 算處理等各種的處理，構成交易金額估算程式。此外，此 程式亦可經由通信網路或記錄媒體下載至其他的電腦並執 行。 此外，因爲既定的演算法、各種顯示畫面係和在第1 實施形態所記載者相同，所以省略其說明。 【圖式簡單說明】 第1圖係表示第一本發明系統之系統圖的一實施形態 〇 第2(a)、（b)圖係表示在通信終端機之畫面顯示例的圖 〇 第3圖係表7K顧客管理表之中的信用度參照資訊、交 易實績資訊之各資料項目。 第4圖係表示對各交易條件定義等級點之價格決定表 〇 第5圖係表示估算係數之轉換表的一例之圖。 第6圖係表示第一本發明系統的系統圖之其他的實施 形態。 桌7圖係表不弟一本發明系統之系統圖的一^實施形態 〇 第8圖係表示在通信終端機之商品選擇畫面的顯示形 態之一例的圖。 第9(a)、（b)圖係表示在通信終端機之交易條件輸入畫 面的顯示形態之一例的圖。 第1 0圖係用以說明第4實施形態之流程圖。 -39- 200807317 第1 1圖係表示在通信終端機之商品選擇畫面（使用者 ID輸入前）的顯示形態之一例的圖。 第12(a)圖係表示使用者ID畫面之一例，第12(b)圖係 表示使用者ID輸入後之估算金額顯示的一例之圖。 第1 3圖係表示在通信終端機之商品選擇畫面（使用者 ID輸入後）的顯不形態之一^例的圖。 第14(a)、（b)圖係表示在通信終端機之交易條件輸入 畫面的顯示形態之一例的圖。 .第1 5圖係表示第二本發明系統的系統圖之其他的實 施形態。 【主要元件符號說明】 (第1、第2實施形態） 10 服務伺服器 11 顧客管理表 12 商品資料管理表 13 價格決定表 20 通信終端機 L 通信網路 3〇 電腦 (第3、第4實施形態） 10A 銷售者伺服器 11 顧客管理表 12A 商品資料管理表 13 價格決定表 -40- 200807317 20 通 信 終 丄山 m 機 B 商 品 選 擇 畫 面 b20 格 子 狀 之 一 覽表 L 通 信 網 路 30A 電 腦Z = X + Y converts the integrated point 成 into the estimated coefficient r. For example, the conversion is performed according to the coefficient conversion table shown in Fig. 5 in the form of the first real-31-200807317. Finally, the estimated amount is calculated by multiplying the total amount of the unit price and quantity by the estimated coefficient r. The estimated amount calculated in this way is shown on the screen shown in Figure 9(b). Then, when the product selection screen B is called again, the total amount based on the standard unit price is displayed on the screen regardless of the estimated amount (see Fig. 8). In addition, the estimated amount calculated by the addition may be displayed instead of the total amount. In the present embodiment, although the comprehensive level is calculated by the number of points, and the estimation coefficient corresponding to the number of points is obtained, the estimation coefficient 'can be extracted from the table or the like for each level item and multiplied to calculate the last. Estimation factor. Further, in the present embodiment, although the estimated amount is calculated by making the comprehensive credit, the transaction performance, and the transaction condition, it may be calculated based only on the transaction conditions. Since the trading conditions are the conditions of the ongoing transaction, it is possible to achieve more price reductions by changing the conditions, thereby increasing the customer's willingness to purchase. However, since credits and transaction performances are accumulated based on the past, it is preferable to use them in a large number of transactions, ticket settlements, and the like, which are risky to the seller side. In addition, in small-risk transactions, the weighting of credit and transaction performance can be set to be lower than the trading conditions. In general, a large number of transactions may not be based on the transaction history to determine the discount rate. Although it is necessary to add the trading conditions such as the purchase quantity, payment terms, delivery location, delivery date, and delivery conditions, and proceed promptly, but do not expect In the case of cash settlement, the creditworthiness of the target company will become an important factor. For example, although an enterprise with a special-32-200807317 situation, such as a joint venture company or a big customer, can judge that the credit is extremely high, it is necessary to refuse the transaction or reduce the discount rate for companies that have been suspended from banking transactions. , or set the markup rate, etc. On the other hand, if there is no transaction performance, the customer may have a high credit rating from the information such as the size of the company or the difference between the listing and the unlisted market, or the customer whose transaction amount may be large, even if there is no transaction performance, if the trading conditions If it is true, it is better to calculate the estimated amount that fully reflects these conditions. Due to this situation, in the case of B2B transactions in which the company is trading, in calculating the estimated amount of the transaction, although the special salesperson also makes repeated negotiations with the users who may purchase, carefully consider the trading conditions and estimate, but if The system of the present invention which uses B2B as the main purpose grid, because the estimated amount of a large number of trading conditions can be calculated based on a reasonable basis and promptly prompted, the customer who may not be able to accept the estimated amount is swiped, only for the amount that may agree to the estimated amount. The customer makes follow-up negotiations, and can smoothly carry out business activities for a wide range of users. Further, since the estimated amount is recalculated if the transaction condition is changed, the simulation for further increasing the discount rate can be simplified, and more appropriate conditions can be selected. As a result, the customer's willingness to purchase can be further enhanced. The transaction amount estimation system shown above can also download the transaction amount estimation program to another computer via a communication network or a recording medium and execute it. Also, the program can be downloaded to a communication terminal of a user who may purchase and executed. In this case, the user accessing the server downloads the transaction amount estimation program after logging in (inputting the user ID), and limits the customer management table to -33-200807317. Only information about the user is preferred. The transaction amount estimation program is a structure for sequentially performing the following steps, a display step of the product selection screen (a grid list), a transaction condition information, an input acceptance step of the product selection information, and a calculation processing step according to the predetermined algorithm. ; and the calculation and display steps of the estimated amount. [Fourth embodiment] Since the system diagram of the present embodiment is the same as that of the third embodiment, the illustration is omitted. In the present embodiment, the product selection screen B having the grid-like list b20 is selected as the product, but the estimated amount of the selected product or the like is divided into the customer identification information (user ID). The input of the trading conditions is calculated and displayed in segments. Fig. 10 is a flow chart for explaining the operation and processing operation of the user in the communication terminal unit 20 in the embodiment. In addition, the first example shows an input example of the display of the product selection screen B, the twelfth figure shows the user ID input example, and the third figure shows the display example of the product selection face B after the user ID is input. Fig. 14 is a view showing an example of the display form of the transaction condition input screen. When the product selection screen B is requested to be displayed, the list b20 including the standard price is displayed on each of the grids b23, and when the product is selected in the grid-like list b20 and the evaluation button b31 is operated, the seller server 10A selects the product according to the selected product. The standard price and the quantity are calculated and displayed on the screen of the communication terminal 20 (refer to step 31 and FIG. 11 of the first drawing). Further, in Fig. 11, the display state after the operation of the button b31 is estimated. In addition, the other items in this screen B are assigned the same symbols as in Fig. 8 and are omitted. After receiving the user ID input screen D1 and inputting the user ID and the password, the server 10 A takes out the credit reference information and the transaction performance information of the user from the customer management table 11 and sets the number of points of each level. Add, and calculate the comprehensive point of the credit rating data. Further, since the method of calculating the integration point is the same as that of the first embodiment, detailed description thereof will be omitted. The integrated level is determined based on the calculated integration point, and the standard price stored in the product grid table 1 2 A is changed to the price based on the determined comprehensive level, and the estimated amount is calculated based on the changed price and displayed on the screen D2 ( Refer to step S2 and Fig. 12(a) and (b) of Fig. 10. Further, as shown in Fig. 12(a), the total amount dl 3 according to the standard price may be displayed when the user ID input screen D has been called. For example, it is preferable to assign a range of integration points and a comprehensive level to a corresponding table (not shown), and to determine a comprehensive level from the calculated integrated point of the user. In addition, when a grade grid (not shown) such as a customer that differs in price due to the respective levels of integration is prepared in advance, and the product grid table 1 2 A of the standard price is exchanged, the price can be simply determined according to the price of the grade. Calculate the estimated amount. When the product selection screen B is designed on the support office side in accordance with the customer-level grid table in which the price is different for each level, the product grid table 12A including the standard price is generated in the data, but it can be created at the same time. The type can be produced. In addition, it is also possible to prepare such a customer-level grid table, and at the time when the comprehensive level has been determined, the exchange-35-200807317 is obtained by multiplying the coefficient corresponding to the grade by the standard unit price of the commodity grid table 12A. Discount or markup price. Then, 'when the product selection screen B is requested to be displayed, the price stored in the customer temple level commodity grid table determined based on the user's comprehensive level is displayed on each grid of the grid-like list, and the display is based on the price and The total amount calculated by the quantity (refer to steps S3 and 13 of Fig. 10). In the example of Fig. 13, according to the level, the discounted unit price is used for the two colors of white and red among the open-collar short-sleeved shirts of the four colors, and the price displayed according to the grid b23 of the list b20 is again The calculated total amount is displayed as the estimated amount. In addition, when the item list b20 in which the unit price has been changed is added, changed, deleted, and estimated, the total amount is calculated based on the price displayed on each of the grids b23 of the list b20, and displayed on the communication terminal. 20. Next, when the cart selection operation screen B performs the cart storage operation, an input screen C1 such as a transaction condition is displayed. On this screen C1, after the transaction condition c 1 2 is input, when the trial button c 1 5 is operated, the seller server 1 0 A is calculated by a predetermined algorithm to calculate an estimated amount, and is displayed on the communication terminal device 20 (see step S4 and FIG. 14(a) and (b) of FIG. 1). Here, in the calculation processing, each item included in the input transaction condition information is used as an estimated calculation factor, and each of the estimated calculation factors is weighted and integrated to calculate an estimated coefficient, and then calculated on the product selection screen B. The total amount is multiplied by the estimated coefficient to calculate the estimated amount. That is, in the embodiment of the present invention - 36-200807317, the estimation calculation factor does not include each item of the credit reference information and the transaction performance information, and the estimation coefficient calculated based only on the transaction condition is used. According to the estimation coefficient of the transaction condition, a comprehensive point of the transaction condition information is calculated, and from the integration point, the coefficient conversion table is converted into an estimation coefficient. Further, the coefficient conversion table is based on the information of the transaction condition information, and although it differs from the contents of the table shown in Fig. 5, the explanation is omitted because it is based on the same idea. If the estimated coefficient based on the entered transaction condition information is 0.85 (15% discount), the last estimated amount becomes the amount calculated by multiplying the estimated amount of 278,000 yen by 0.85 based on the customer grade calculated in Fig. 23 6300 yen (see paragraphs 14(a) and (b)). In addition, in order to express the degree of price reduction to the user easily, it is also possible to display the total estimated amount of the transaction calculated based on the standard price and the purchase amount together with the estimated amount on the same screen. On this screen C2, after the total evaluation amount c21 calculated by the seller server 10A is displayed, the transaction condition C22 can be input again. If the user is dissatisfied with the estimated amount c21, the transaction condition c22 is input again, and the trial button c23 is operated to repeat the estimation, and in the case where the user intends to place an order according to the displayed estimated amount C2 1, the determination button c2'4 is operated. And you can confirm the order. Further, the product selection buttons cl6 and c25 are operated on the screens C1 and C2, and the product selection screen B (see Fig. 13) is displayed again, and the product can be selected again. That is, various product selections, transaction conditions can be input, and the estimated amount can be calculated (refer to the first map). In the present embodiment, after the seller server 10 A inputs the user ID in the communication terminal device 20, the estimated amount of money based on the customer's customer level is calculated based on the grid-like list b20. When the transaction condition information is input, the estimation coefficient based on the entered transaction condition is calculated, and the last estimated amount is calculated using the estimation coefficient and displayed on the communication terminal 20 of the user. According to the calculation and display of the estimated amount of the two stages, a very fine discount can be realized, and the basis of the discount or the fare increase can be presented to the user. In addition, since the respective grids b23 of the grid-like list b20 are different in accordance with the customer level, if the product grid table of each grade is prepared in advance and the structure of each table is changed, for example, only the same grid can be used. Some of the unsalable items are set to be cheap, and the customer can be satisfied with a discount method that is advantageous to the seller. [Fifth Embodiment] In the present embodiment, an ordering system and an estimated simulation system using a separate computer using the transaction amount estimating system of the second invention are exemplified. Figure 15 is a system diagram of the system. This system is applied to a stand-alone computer 30A or the like, which has a customer management table 11, a commodity grid table 1 2 A, and a price determination table 13 as shown in the third embodiment. The input and display terminal unit 3 1 is configured to input the customer identification information (user ID), the transaction condition information, and the product selection information by the self-operating display means, and according to the input information and the table information, The estimated amount can be calculated by performing calculation processing with a predetermined algorithm. The transaction amount estimation program is constructed using various processes such as these tables, 12A, 13 and calculations -38-200807317. In addition, the program can be downloaded to other computers via a communication network or recording media and executed. In addition, since the predetermined algorithm and various display screens are the same as those described in the first embodiment, the description thereof will be omitted. BRIEF DESCRIPTION OF THE DRAWINGS Fig. 1 is a view showing an embodiment of a system diagram of a system of the first invention. Figs. 2(a) and 2(b) are diagrams showing a screen display example of a communication terminal. It is the data item of the credit reference information and the transaction performance information in the 7K customer management table. Fig. 4 is a diagram showing a price determination table for defining a ranking point for each transaction condition. Fig. 5 is a diagram showing an example of a conversion table of estimation coefficients. Fig. 6 is a view showing another embodiment of the system diagram of the first inventive system. Table 7 is a diagram showing a system diagram of a system selection screen of the invention system. Fig. 8 is a diagram showing an example of a display form of a product selection screen of a communication terminal. Figs. 9(a) and 9(b) are diagrams showing an example of a display form of a transaction condition input screen of a communication terminal. Fig. 10 is a flow chart for explaining the fourth embodiment. -39- 200807317 Fig. 1 is a view showing an example of a display form of a product selection screen (before user ID input) of the communication terminal. The 12th (a) diagram shows an example of the user ID screen, and the 12th (b) diagram shows an example of the estimated amount display after the user ID is input. Fig. 1 is a diagram showing an example of a display form of a product selection screen (after input of a user ID) of a communication terminal. The fourteenth (a) and (b) are diagrams showing an example of the display form of the transaction condition input screen of the communication terminal. Fig. 15 is a view showing another embodiment of the system diagram of the second inventive system. [Description of main component symbols] (1st, 2nd embodiment) 10 Service server 11 Customer management table 12 Product data management table 13 Price determination table 20 Communication terminal L Communication network 3 computer (3rd, 4th implementation) Form 10A Vendor Server 11 Customer Management Table 12A Product Data Management Form 13 Price Determination Form - 40-200807317 20 Communication Ending M Machine B Product Selection Screen b20 Grid-like List L Communication Network 30A Computer
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