WO2006000240A1 - Systeme informatique et procede pour faire fonctionner un systeme d'encheres en ligne - Google Patents

Systeme informatique et procede pour faire fonctionner un systeme d'encheres en ligne Download PDF

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Publication number
WO2006000240A1
WO2006000240A1 PCT/EP2004/006853 EP2004006853W WO2006000240A1 WO 2006000240 A1 WO2006000240 A1 WO 2006000240A1 EP 2004006853 W EP2004006853 W EP 2004006853W WO 2006000240 A1 WO2006000240 A1 WO 2006000240A1
Authority
WO
WIPO (PCT)
Prior art keywords
user
assigned
auction
credit line
available credit
Prior art date
Application number
PCT/EP2004/006853
Other languages
English (en)
Inventor
Everhard Vissers
Original Assignee
Everhard Vissers
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 Everhard Vissers filed Critical Everhard Vissers
Priority to PCT/EP2004/006853 priority Critical patent/WO2006000240A1/fr
Priority to PCT/EP2004/009458 priority patent/WO2006000247A2/fr
Publication of WO2006000240A1 publication Critical patent/WO2006000240A1/fr

Links

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
    • G06Q30/08—Auctions

Definitions

  • the aforesaid object is achieved by a method and a system according to the claims attached hereto.
  • the aforesaid object is especially achieved by a method for operating an online auction system, the system comprising an auction database hosted on an auction server, a first client computer assigned to a bidding user, a solvency database storing solvency data assigned to the bidding user, a second client computer assigned to a selling user, a web server and a computer network for networking the web server, the first and the second client computer, comprising the steps of - retrieval of data in the solvency database on the bidding user when the bidding user enters a bid on a product or service offered by the selling user through an online auction; - retrieval of available credit line assigned to the bidding user in the retrieved data; - processing of data by comparison of bid price to available credit line assigned to the bidding user; - creation of a web page and transmission of the web page to the first client computer, the web page containing information about a remaining available credit line being the
  • the method according to the invention allows a seller to determine whether he can trust the bidder to pay the bid sum when becoming the high bidder. All information is stored in databases and is automatically calculated during the bidding process. The seller is informed during and at the end of an online auction about the ability of a bidder to pay the transaction amount and the certainty that the seller will receive the amount once he has properly satisfied certain conditions, e.g. he has shipped the goods or delivered services. The bidder is assured that the goods or services will be received and can be inspected before the seller receives the transaction amount. Administrative functions by the seller or buyer inherent to online auction transactions can be reduced to a minimum.
  • the bid price is transferred from a credit account assigned to the bidding user to an account assigned to the selling user or to an escrow account. Payment is therefore automatically done by the system.
  • the selling user is able 0 to ship the goods or services to the bidding user if the amount has reached the escrow account.
  • the web page comprises a first set of graphical elements if the available credit line is higher than the bid price and a second set of graphical 5 elements if the available credit line is lower than the bid price.
  • the graphical elements are preferably logos being easy to identify by a user. The logo depicting that the available credit line is lower than the bid price is preferably visible only to the bidding user.
  • a user having a credit line is assigned a graphical item.
  • a user having an available credit line is therefore easily identified by other users.
  • a computer system comprising a web server, an auction database, a first client computer assigned to a bidding user and a computer network for networking the web server, the auction database and the client computer, where said computer system further comprises a »0 solvency database storing solvency data assigned to the bidding user.
  • the auction database is hosted by an auction server and/or the solvency database is hosted on a financial server being connected to said auction server.
  • Fig. 1 is a sketch showing the principal architecture of a communications environment according to the present invention.
  • Fig. 1 depicts a sketch showing the principal architecture or the computer system according to the present invention.
  • the computer system comprises client computers 1, which are connected via a data communications network 3 with a web server 4.
  • the network 3 is an IP network which connects a multitude of client computers 1 with a multitude of web servers such as web server 4.
  • the Fig. 1 just shows three client computers being connected with one web server 4 as a simple example to reduce the complexity of the following description.
  • two client computers 1 being connected via the data network 3 to one web server 4.
  • the following description can be limited on the description of these elements.
  • the web server 4 is connected with an auction server 5 storing an auction database.
  • the connection can be established by use of any data network, such as network 3 or the like.
  • a dedicated connection 6 within a private network is used.
  • the database itself can be integrated into or installed on the web server 4.
  • a first client computer Ia is assigned to a bidding user BU, a second client computer Ib assigned to a selling user SU.
  • the selling user SU offers goods or services in an online auction.
  • the bidding user BU bids for the goods or services e.g. by entering certain data on the web page.
  • Usually a multitude of users give bids in an online auction.
  • a user transmits a bid to the auction server 5 e.g. by entering data in form fields of the web site including data to identify the user and a bid price.
  • the user currently holding the 5 highest bid is here referred to as high bidder HB.
  • the computer system further comprises a solvency database 7 0 storing solvency data assigned to the bidding user BU.
  • the solvency data comprises an amount of money the user has at his disposal and is referred to as available credit line ACL.
  • the amount is deposited with a credit account CA at a bank or the bank guarantees for the credit line ACL, preferably the bank 5 running the solvency database 7.
  • a user having an account with solvency data is identified by the system during login, the system maintains a list assigning any user to a database holding solvency information of the user.
  • the method according to the invention basically comprises the step of retrieving data in the solvency database on a user when the user bids for an offer.
  • the data is retrieved on ⁇ line, all subsystems therefore perform necessary steps in "real time”.
  • the available credit line ACL '5 assigned to the user BU is retrieved in the solvency database 7.
  • the result is e.g. a tuple assigning the available credit line ACL to a user's ID or the user's name or the like.
  • the available credit line ACL is compared 10 with the bidden price BP. If the available credit line ACL is higher than the bidden price BP, the bid is further processed by the auction server 5. If the available credit line ACL is smaller than the bidden price BP, the bid is denied and not further processed. In the first case, a first web page is generated indicating that the available credit line ACL is higher than the bidden price BP and the bid is accepted. The first web page is transmitted to the first client computer Ia, processed and displayed by web browser 2. The web page 5 containing the logo indicating that the available credit line is higher than the bid price BP is made available also for other users.
  • a second web page is generated indicating that the available credit line ACL is smaller than the bid price BP and the bid therefore is denied, transmitted 0 to the first client computer Ia, processed and displayed by web browser 2.
  • This information is also displayed e.g. as a logo visible to the bidding user BU.
  • the remaining credit line RCL is the available credit line for further auctions of bidding user BU.
  • the overbidden auction does not '5 inhibit the bidding user in other auctions by lowering his available credit line ACL.
  • the bid price BP is automatically transferred 10 from the credit account CA to an account of the selling user SU or, alternatively, to an escrow account.
  • the system now automatically generates a message for the bidding user informing him about the new available credit line.
  • an automated bank transfer filling up the amount deposited with the bank is initiated.
  • a user having solvency information available according to the present invention is displayed in conjunction with a special logo of the respective bank running the assigned solvency database. Hence other users and especially the selling user SU are informed on the solvency status of the bidding user BU.
  • the bidding user BU Upon the bidding user BU being the successful high bidder, he can choose, by selecting an icon on his screen, between a direct pay option and an escrow pay option.
  • the bank When choosing the direct pay option, the bank automatically transfers the bid sum from the bidding user's credit account CA into the account of the seller, when choosing the escrow pay option, the bank automatically transfers the bid sum from the credit account CA into an escrow account.

Abstract

Selon un procédé pour faire fonctionner un système de ventes aux enchères en ligne, le système comprend une base de données de vente aux enchères hébergée sur un serveur, un premier ordinateur client attribué à un premier utilisateur enchérisseur (BU), une base de données de solvabilité stockant les données de solvabilité attribuées à l'utilisateur (BU), un second ordinateur client attribué à un utilisateur vendeur (SU), un serveur web et un réseau informatique, destiné à mettre en réseau le serveur web, le premier et le second ordinateur clients. Le vendeur peut déterminer si l'acheteur veut ou peut payer le prix déterminé, lorsqu'il a remporté l'enchère selon un procédé comprenant les étapes suivantes : récupération des données dans la base de données de solvabilité sur l'utilisateur enchérisseur (BU), lorsque ledit utilisateur (BU) entre une enchère sur un produit ou un service offert par l'utilisateur vendeur (SU) à travers une vente aux enchères en ligne ; récupération de la ligne de crédit disponible (ACL) attribuée à l'utilisateur (BU) dans les données récupérées ; traitement des données par comparaison d'un prix d'enchère (BP) avec la ligne de crédit disponible (ACL) attribuée à l'utilisateur (BU) ; création d'une page web et transmission de cette page au premier ordinateur client, ladite page contenant des informations concernant une ligne de crédit disponible restant (RCL), qui correspond à la ligne de crédit disponible (ACL) moins le prix d'enchères (BP).
PCT/EP2004/006853 2004-06-24 2004-06-24 Systeme informatique et procede pour faire fonctionner un systeme d'encheres en ligne WO2006000240A1 (fr)

Priority Applications (2)

Application Number Priority Date Filing Date Title
PCT/EP2004/006853 WO2006000240A1 (fr) 2004-06-24 2004-06-24 Systeme informatique et procede pour faire fonctionner un systeme d'encheres en ligne
PCT/EP2004/009458 WO2006000247A2 (fr) 2004-06-24 2004-10-06 Procede et systeme informatique pour faire fonctionner le systeme de paiement

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
PCT/EP2004/006853 WO2006000240A1 (fr) 2004-06-24 2004-06-24 Systeme informatique et procede pour faire fonctionner un systeme d'encheres en ligne

Publications (1)

Publication Number Publication Date
WO2006000240A1 true WO2006000240A1 (fr) 2006-01-05

Family

ID=34958069

Family Applications (2)

Application Number Title Priority Date Filing Date
PCT/EP2004/006853 WO2006000240A1 (fr) 2004-06-24 2004-06-24 Systeme informatique et procede pour faire fonctionner un systeme d'encheres en ligne
PCT/EP2004/009458 WO2006000247A2 (fr) 2004-06-24 2004-10-06 Procede et systeme informatique pour faire fonctionner le systeme de paiement

Family Applications After (1)

Application Number Title Priority Date Filing Date
PCT/EP2004/009458 WO2006000247A2 (fr) 2004-06-24 2004-10-06 Procede et systeme informatique pour faire fonctionner le systeme de paiement

Country Status (1)

Country Link
WO (2) WO2006000240A1 (fr)

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1959379A1 (fr) * 2007-02-15 2008-08-20 Shacom.Com INC. Plate-forme d'enchères en ligne de capital de démarrage

Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0411748A2 (fr) * 1989-06-02 1991-02-06 Reuters Limited Système pour lier un acheteur avec un vendeur avec une minimisation de risque
JP2003331161A (ja) * 2002-05-10 2003-11-21 Nec Corp 料金先払い方式のオークション決済システム、方法、プログラム及びオークション管理サーバ
US20030225678A1 (en) * 1999-05-10 2003-12-04 Edeposit Corporation Web-based account management for hold and release of funds

Patent Citations (3)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP0411748A2 (fr) * 1989-06-02 1991-02-06 Reuters Limited Système pour lier un acheteur avec un vendeur avec une minimisation de risque
US20030225678A1 (en) * 1999-05-10 2003-12-04 Edeposit Corporation Web-based account management for hold and release of funds
JP2003331161A (ja) * 2002-05-10 2003-11-21 Nec Corp 料金先払い方式のオークション決済システム、方法、プログラム及びオークション管理サーバ

Non-Patent Citations (1)

* Cited by examiner, † Cited by third party
Title
PATENT ABSTRACTS OF JAPAN vol. 2003, no. 12 5 December 2003 (2003-12-05) *

Cited By (1)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
EP1959379A1 (fr) * 2007-02-15 2008-08-20 Shacom.Com INC. Plate-forme d'enchères en ligne de capital de démarrage

Also Published As

Publication number Publication date
WO2006000247A2 (fr) 2006-01-05

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