WO2001086530A1 - Systeme et procede de reglement pour transactions commerciales - Google Patents

Systeme et procede de reglement pour transactions commerciales Download PDF

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Publication number
WO2001086530A1
WO2001086530A1 PCT/JP2001/003903 JP0103903W WO0186530A1 WO 2001086530 A1 WO2001086530 A1 WO 2001086530A1 JP 0103903 W JP0103903 W JP 0103903W WO 0186530 A1 WO0186530 A1 WO 0186530A1
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WO
WIPO (PCT)
Prior art keywords
account
processing device
transaction
system administrator
management
Prior art date
Application number
PCT/JP2001/003903
Other languages
English (en)
Japanese (ja)
Inventor
Tetsuya Wada
Wataru Sekiguchi
Original Assignee
Ec-Com, Inc.
Priority date (The priority date is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the date listed.)
Filing date
Publication date
Application filed by Ec-Com, Inc. filed Critical Ec-Com, Inc.
Priority to AU2001256690A priority Critical patent/AU2001256690A1/en
Publication of WO2001086530A1 publication Critical patent/WO2001086530A1/fr

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Classifications

    • G—PHYSICS
    • G06—COMPUTING; CALCULATING OR COUNTING
    • G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
    • G06Q30/00—Commerce
    • G06Q30/06—Buying, selling or leasing transactions

Definitions

  • the present invention is a business transaction in a membership market in which a participant has been identified in some way, the settlement can be executed through a system administrator, the risk is reduced by the temporary protection of funds by the settlement institution, and the secure settlement is achieved. It relates to the settlement system and settlement method to be performed. Background art
  • the present invention is a business transaction in a membership market in which a participant has been identified in some way, the settlement can be executed through a system administrator, the risk is reduced by the temporary protection of funds by the settlement institution, and the secure settlement is achieved. It relates to the settlement system and settlement method to be performed. Disclosure of the invention
  • the gist of the present invention is as follows.
  • the first invention of the present system is a system in which processing devices possessed by a system administrator, a settlement institution, a purchaser, and a seller are connected via a network in a commercial transaction market in which commercial transactions are performed.
  • a person identified by the participant identification means participated, and when the conditions were met, a specific recognition means was assigned to the transaction, and the transaction was established by a network at a trading site where trading was completed.
  • a payment system comprising a system administrator processing device, a payment institution processing device, a buyer processing device, and a seller processing device.
  • This system is the second invention. That is, only members registered in advance participate with a unique member number, and are sold by assigning an arbitrary and unique transaction number to the transaction when the conditions are met.
  • a payment system characterized by comprising a system administrator processing device, a payment institution processing device, a buyer processing device, and a seller processing device connected via a network in a membership-based transaction market where purchases are completed. is there.
  • the settlement institution processing device includes a purchaser account, a system administrator account, a seller account, a commission management account, a product receipt confirmation database in the system administrator processing device, and a buyer processing device.
  • a payment processing device that receives a remittance request notification from the buyer account management database and instructs remittance between the above accounts, the buyer account, the system administrator account, the seller account, or the fee management account.
  • a result notifying device for notifying the result of the remittance to the purchaser processing device, the seller processing device and the system manager processing device, and a refund processing device for instructing a refund of the account remittance at the time of the transaction cancellation. This is the settlement system.
  • the system administrator processing device includes a payment management confirmation database for managing transfer / confirmation from the buyer account to the system administrator account, and a notification that the product has been received from the buyer processing device.
  • Product receipt confirmation database that manages receipt notification, transfer from the system administrator account to the seller account 'Remittance management confirmation database that manages confirmation', transfer from the system administrator account to the commission management account
  • a fee management confirmation database a return management database that manages returned goods in response to a return notification from the buyer processing unit and notifies the seller processing unit, and a transaction management database that manages the contents of transactions to be settled. It is a settlement system characterized by the above.
  • the purchaser processing device checks and updates the balance of the purchaser account in the settlement institution processing device and performs a remittance request notification from the purchaser account to the system administrator account. Notify the transaction contents to the purchaser account management database and the transaction management database in the system administrator processing unit, and check and control the entry of product inventory. Notify the acknowledgment database and, if necessary, cancel the return management data base in the system administrator processing unit.
  • This is a payment system characterized by having a purchaser product management database for notifying customers.
  • the seller processing device includes a seller account management database for checking and updating the balance of the seller account in the settlement institution processing device and a transaction management in the system manager processing device. Notify the transaction contents to the database, check and manage the stock out of the goods, check and manage the delivery of the goods to the shipping company, receive the return notice from the return management data in the system administrator processing equipment overnight and return the goods.
  • This is a payment system that has a seller merchandise management database.
  • the seventh invention is a settlement system that performs settlement for commercial transactions anonymously. That is, in the settlement system, the settlement method is characterized in that the settlement for the transaction is performed anonymously by notifying a specific recognition means to the transaction management database in the system administrator processing device.
  • An eighth aspect of the present invention is a system for maintaining anonymity by an arbitrarily and uniquely provided authentication means when performing anonymous settlement in the seventh aspect. That is, in the settlement system, anonymous settlement of the transaction is performed by notifying the transaction management database in the system administrator processing device of a specific recognition means arbitrarily and uniquely assigned to the transaction. This is a featured settlement method.
  • the transaction may be canceled or the product may be re-shipped. That is the ninth invention.
  • a transaction cancellation or product resend notification is sent from the buyer product management database in the buyer processing device to the return management database in the system administrator processing device.
  • a transaction cancel or product resend notification is sent from the returns management database to the seller product management database in the seller processing device, and the transaction is canceled or the product is re-shipped, and the seller processing device is instructed.
  • Payment method is possible to be a transaction cancellation or product resend notification.
  • a refund is made to the buyer when the transaction is canceled. That is the tenth invention. That is, buyer processing When the device notifies the return management database from the purchaser merchandise management database of the transaction cancellation, the return management database notifies the refund processing device in the settlement institution processing device of the refund processing, and the refund processing device recognizes the system administrator account. And instructing the buyer to remit the transaction amount to the buyer's account.
  • the payment method is characterized by being refunded to the buyer's account.
  • the product after remittance by the buyer, the product may not be able to be delivered due to an unforeseen situation (for example, the product on the seller side is lost). That is the eleventh invention.
  • the refund in the payment institution processing unit is returned from the return management database in the system administrator processing unit.
  • a refund process notification to the processing device, the refund processing device instructing the transaction amount to be remitted from the system administrator account to the purchaser account, and the funds being returned to the purchaser account to protect the funds. is there.
  • the payment institution processing unit is based on the purchaser account, system administrator account, seller account, commission management account, product receipt confirmation database in the system administrator processing unit, and the buyer account management database in the buyer processing unit.
  • Receipt processing device that receives a remittance request notification and instructs remittance between the accounts described above.
  • a settlement institution processing device comprising: a seller processing device, a result notifying device for notifying a result to the system administrator processing device, and a refund processing device for instructing a refund of an account remittance when a transaction is canceled. .
  • the system administrator device is a payment management confirmation database that manages the transfer and confirmation from the buyer account to the system administrator account, and a product receipt confirmation database that manages the receipt notification that the product has been received from the buyer processing device.
  • Transfer from the system administrator account to the seller account ⁇ Remittance management confirmation database that manages confirmations, Transfer from the system administrator account to the fee management account 'Fee management confirmation database that manages confirmations',
  • the buyer Receives a return notification from the processing device, manages the returned product, and
  • the system administrator processing device is provided with a return management database that notifies the management device and a transaction management database that manages the contents of the transaction to be settled.
  • the purchaser processing device is a purchaser account management database and a system administrator process that checks and updates the balance of the purchaser account in the settlement institution processing device and notifies the remittance request from the purchaser account to the system administrator account. Notifies the transaction contents to the transaction management database in the device, and checks and manages the entry of product inventory. ⁇ The product reception result is notified to the product reception confirmation database in the system administrator processing device, and if necessary, cancels the system.
  • a purchaser processing device comprising a purchaser product management database for notifying a return management database in the purchaser processing device.
  • the seller processor notifies the seller account management database for checking and updating the balance of the seller account in the settlement institution processor and the transaction management database in the system administrator processor for transaction details, and stores the product inventory.
  • FIG. 1 is a diagram showing an outline of the present invention
  • FIG. 2 is a diagram showing an example of a system configuration of the present invention
  • FIG. 3 is a flowchart showing an example of a process flow of the present invention.
  • FIG. 1 is a schematic diagram of the present invention.
  • FIG. 2 is a system configuration diagram of the present invention, and
  • FIG. 3 is a flowchart showing a procedure of the present invention.
  • a seller processing unit (5), a buyer processing unit (4), a system administrator processing unit (2), and a settlement institution processing unit (3) are connected by a network.
  • the buyer is a buyer merchandise management database (20) in the buyer processing unit (4)
  • the seller is a seller merchandise management database in the seller processing unit (5).
  • the above transaction number, own name or own member number and business partner name or business partner member number are used as the specific recognition means, but any recognition means that is uniquely determined can be used. It does not matter.
  • the purchaser merchandise management database (20) and the merchandise merchandise management database (22) receive the transaction content and receive the transaction number and their own name in the transaction management database (7) in the system administrator processing device (2). Or, notify the member number, transaction amount, transaction product and partner name or partner member number (100).
  • the buyer's merchandise management database (20) notifies the buyer's account management database (21) of the transaction number, own name or own member number, transaction amount, transaction partner name or counterparty member number (1). 10) Check whether there is a balance in the buyer account (16). When the balance is insufficient, the buyer is urged to make a deposit. If there is a balance, the transaction number, the self-name or the member number, the transaction amount and By sending a remittance request notification containing the counterparty name or counterparty member number (120), a remittance instruction is issued to the buyer account (16) (130), and the buyer account The remittance is executed from (16) to the system administrator account (17) with the total amount of the item price and the system administrator fee (140).
  • the result notification device (14) After the payment to the system administrator account (17), the result notification device (14) is notified of the transaction number, self-name or self-member number, transaction amount, and the remittance result of the transaction partner name or transaction partner member number (15). 0), the result notification device (14) The remittance result is notified to the buyer account management data base (21) (160). In the buyer account management database (21), the balance is updated (170) after confirming the transaction content.
  • the result notification device (14) stores the remittance result, that is, transaction number, own name or own member number, transaction amount, and business partner in the payment management confirmation database (12) in the system administrator processing device (2). Notify the name or counterparty member number (180). However, since steps 160 and 180 merely notify the remittance result, either one may be performed first.
  • the payment management confirmation database (1 2) receives the remittance result notification and ships the merchandise corresponding to the transaction number to the seller merchandise management database (2 2) in the seller processing device (5).
  • a request notification is sent (190).
  • the seller who has received the shipping request notification in the seller merchandise management database (2 2) delivers the merchandise to the shipping company (24), and also checks the merchandise inventory from the seller merchandise management database (22). Update (200).
  • the selection of the transportation company (22) may be made by the seller, the purchaser, or the system administrator.
  • the transportation company (224) receives the goods and transports the goods to the buyer (210). After the transportation, the transportation company (24) hands over a copy of the transportation slip to the system administrator by any means (215). This is to prove that the goods have been successfully transported, and to prevent false notification of non-delivery from the buyer.
  • the buyer who has received the goods performs the inspection and confirms the receipt in the buyer's merchandise management database (21) as the current transaction status, or if the inspection of the goods reveals a negligence such as a defect or mistransmission, Inputs a transaction cancellation or resend request as the current transaction status in the buyer's merchandise management database (2 1) (2 2 0).
  • the transaction number, personal name, or name is sent to the merchandise acknowledgment database (11) in the system administrator processor (2). Own member number, transaction amount and Make a receipt confirmation including the counterparty name or counterparty member number
  • the goods receipt confirmation database (11) sends the payment processing device (13) in the settlement institution processing device (3) from the system administrator account (17) to the seller account (18) and the commission.
  • the payment processing device (13) transfers the system administrator account (17) to the seller account (18) and the fee management account (19) having the trading partner name or counterparty member number.
  • the remittance is instructed (250), the item price is sent to the seller account (18) (260), and the system administrator fee is sent to the commission management account (270).
  • the seller account (18) and fee management account (19) that received the remittance report the remittance result to the result notification device (14) (280 and 290), and the result notification device (14) ) Indicates the result of remittance to the seller account (18) and remittance to the commission management account (19) for the remittance management confirmation database (10) in the system administrator processing device (2).
  • the transaction number (300), and to the fee management confirmation database (8) in the system administrator processing device (2) the result of the remittance to the fee management account (19) and the transaction.
  • the number is notified (310), and the result of the remittance to the seller account (18) and the transaction are made to the seller account management database (23) in the seller processing device (5). Notify the number (320).
  • the seller account management database (23) receives the remittance result, updates the balance (325), and the transaction is completed.
  • a resend request is input as the current transaction status in the buyer's merchandise management database (20) in the merchandise inspection in step 220, the return management database in the system administrator processing unit (2) is entered. (9), the transaction number, own name or own member number, the transaction product and the counterparty name or counterparty member number are notified as a resend request (2 25), and the returned goods management database (9) is
  • the seller's merchandise management database (22) in the processor (5) has a transaction number, own name or member number, And a resend request notification including the counterparty name or counterparty member number (330).
  • the seller merchandise management database (22) receives the remittance result notification from the system administrator account (17) to the seller account (18) in the seller account management database (23), and receives the product. You can check the sales of.
  • a transaction cancellation is entered as the current transaction status in the buyer's merchandise management database (20) in the merchandise inspection in step 220, the system administrator processing device (2)
  • the return management database (9) is notified of the transaction cancellation including the transaction number, own name or own member number, the transaction product and the business partner name or partner member number, and the return management database (9) is sold.
  • the transaction cancellation notification is executed (335) in the seller product management database (22) in the seller processor (5), and the seller product management database (22) corrects the data.
  • the return management database (9) notified of the transaction cancellation sends a refund including the transaction number, own name or own member number, and the transaction amount to the refund processing unit (15) in the settlement institution processing unit (3).
  • a request notification is sent (340).
  • the refund processing device (15) receives the refund request notification and instructs the refund to the system administrator account (17) (350), and the system administrator account (17) uses its own name or its own member. Perform a refund to the buyer's account (16) with the number (360).
  • the purchaser account (16) receives the refund and notifies the result notification device (14) of the refund result (370), and the result notification device (14) is stored in the purchaser processing device (4).
  • the refund result is notified to the buyer account management database (2 1) (380), and the refund result is also notified to the remittance management confirmation database (10) (390).
  • the balance is updated (400) and the transaction is completed.
  • Data are stored in the fee management confirmation database (8), return management database (9), remittance management database (10), merchandise receipt confirmation database (11), and payment management confirmation database (12) in the system administrator processing device. Is notified, to confirm the data content
  • the transaction management database (7) it is also possible to check whether consistency has been achieved.
  • system administrator processing device (2), the settlement institution processing device (3), the buyer processing device (4), and the seller processing device (5) are all connected via a network. It is preferable to install a firewall in each processing device to prevent unauthorized access from outsiders in order to improve the security.
  • the system administrator processing device (2), the settlement institution processing device (3), the buyer processing device (4), and the seller processing device (5) are databases in the computer.
  • humans can do this for them, and use forms instead of databases and other means of communication, such as telephones and facsimile machines, instead of computer networks.
  • the present invention by notifying the transaction number given in the membership market (6) and the data of the own member number or the counterparty member number uniquely determined between the respective processing devices and the database, It is possible to settle anonymously without revealing the name of the business partner at the time of settlement.
  • the above transaction number, own name or own member number, and business partner name or business partner member number are used as specific recognition means, any recognition means can be used as long as it is uniquely determined. It doesn't matter. It goes without saying that it is also possible to settle the company name.

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  • Business, Economics & Management (AREA)
  • Accounting & Taxation (AREA)
  • Finance (AREA)
  • Development Economics (AREA)
  • Economics (AREA)
  • Marketing (AREA)
  • Strategic Management (AREA)
  • Physics & Mathematics (AREA)
  • General Business, Economics & Management (AREA)
  • General Physics & Mathematics (AREA)
  • Engineering & Computer Science (AREA)
  • Theoretical Computer Science (AREA)
  • Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
  • Management, Administration, Business Operations System, And Electronic Commerce (AREA)

Abstract

La présente invention concerne un système et un procédé permettant aux utilisateurs d'effectuer des règlements sécurisés et fonctionnels à moindres risques dans le cadre de transactions commerciales, plus particulièrement via un réseau. Ce système de règlement met en réseau, un terminal de gestionnaire, un terminal de centre de règlement, un terminal d'acheteur, et un terminal de vendeur. Ce système opère dans un marché de transactions commerciales où les intervenants sont désignés par un organe de spécification des intervenants, l'achat et la vente s'effectuant en affectant à la transaction un moyen de reconnaissance spécifique lorsque la transaction a été conclue et ses termes acceptés. En outre, le système garantit un anonymat des règlements dans la mesure où l'on échange entre les terminaux des informations telles que le numéro de transaction, le nom de l'entreprise ou un numéro d'appartenance.
PCT/JP2001/003903 2000-05-11 2001-05-10 Systeme et procede de reglement pour transactions commerciales WO2001086530A1 (fr)

Priority Applications (1)

Application Number Priority Date Filing Date Title
AU2001256690A AU2001256690A1 (en) 2000-05-11 2001-05-10 Settlement system and settlement method in business transaction

Applications Claiming Priority (2)

Application Number Priority Date Filing Date Title
JP2000-139165 2000-05-11
JP2000139165A JP2005234608A (ja) 2000-05-11 2000-05-11 商取引における決済システム及び決済方法

Publications (1)

Publication Number Publication Date
WO2001086530A1 true WO2001086530A1 (fr) 2001-11-15

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Application Number Title Priority Date Filing Date
PCT/JP2001/003903 WO2001086530A1 (fr) 2000-05-11 2001-05-10 Systeme et procede de reglement pour transactions commerciales

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JP (1) JP2005234608A (fr)
AU (1) AU2001256690A1 (fr)
WO (1) WO2001086530A1 (fr)

Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH06282728A (ja) * 1993-03-29 1994-10-07 Sanwa Ginkou:Kk 決済方式
JPH10149394A (ja) * 1996-11-21 1998-06-02 Hitachi Ltd 電子取引方法
JPH10240816A (ja) * 1997-02-27 1998-09-11 Hitachi Ltd 商品購入によって電子決済を行うシステム及び方法
JPH10326310A (ja) * 1997-03-28 1998-12-08 Applics:Kk 商品購入方法及びシステム
JPH113387A (ja) * 1997-02-06 1999-01-06 Fujitsu Ltd 決済システム
JPH11353361A (ja) * 1998-06-04 1999-12-24 Kazuhisa Takai 通信ネットワークによる商品販売システム
JP2000057227A (ja) * 1998-08-10 2000-02-25 San Denshi Kk オンライン決済装置

Patent Citations (7)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JPH06282728A (ja) * 1993-03-29 1994-10-07 Sanwa Ginkou:Kk 決済方式
JPH10149394A (ja) * 1996-11-21 1998-06-02 Hitachi Ltd 電子取引方法
JPH113387A (ja) * 1997-02-06 1999-01-06 Fujitsu Ltd 決済システム
JPH10240816A (ja) * 1997-02-27 1998-09-11 Hitachi Ltd 商品購入によって電子決済を行うシステム及び方法
JPH10326310A (ja) * 1997-03-28 1998-12-08 Applics:Kk 商品購入方法及びシステム
JPH11353361A (ja) * 1998-06-04 1999-12-24 Kazuhisa Takai 通信ネットワークによる商品販売システム
JP2000057227A (ja) * 1998-08-10 2000-02-25 San Denshi Kk オンライン決済装置

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
"Butsuryu ya kessai mo shijo de chotatsu katsuyou no point 4 ka you", NIKKEI NET BUSINESS, 15 September 2000 (2000-09-15), pages 100 - 105, XP002942146 *

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JP2005234608A (ja) 2005-09-02
AU2001256690A1 (en) 2001-11-20

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