WO2010050538A1

WO2010050538A1 - Transaction system, client device, transaction method, and program recording medium

Info

Publication number: WO2010050538A1
Application number: PCT/JP2009/068547
Authority: WO
Inventors: 川畑正昭; 梨本徹
Original assignee: 日本電気株式会社
Priority date: 2008-10-30
Filing date: 2009-10-22
Publication date: 2010-05-06
Also published as: JP2010108249A

Abstract

Disclosed is a transaction system for allowing a purchaser having a predetermined income or property, although cannot own a credit card, to perform later-payment transactions. The transaction system is provided with a client device and a server device. The client device comprises: a living body information acquisition unit for acquiring the living body information of a purchaser; a settlement management unit for sending, when an offer of the later-payment transaction of commodity purchase payments is received from the purchaser, the acquisition request of the transaction information of the purchaser together with the living body information of the purchaser acquired by the living body information acquisition unit to the server device; and a transaction propriety decision unit for deciding the propriety of the later-payment transaction by using the transaction information of the purchaser acquired from the server device. The server device comprises: a purchaser information database for holding the living body information of the purchaser and the transaction information of the purchaser in association with one another; and a transaction management unit for acquiring the transaction information of the purchaser, which has been associated with the living body information of the purchaser, from the purchaser information database in response to the acquisition request from the client device, thereby to send the transaction information to the client device.

Description

COMMERCIAL TRANSACTION SYSTEM, CLIENT DEVICE, COMMERCIAL TRANSACTION METHOD, AND PROGRAM RECORDING MEDIUM

The present invention relates to a commercial transaction system, a client device, a commercial transaction method, and a program recording medium, and more particularly to a technique that is preferably applied when a buyer who does not have a credit card performs a postpaid transaction for a product price.

When buying and selling goods in commercial transactions, it is fundamental that goods are delivered and payment is made at the same time. Of course, there is a case where the product is received in advance by paying the price later. For example, when a micro-enterprise or individual business owner conducts a commercial transaction, a transaction is performed in which products are delivered first and product prices are later paid together (purchased by multiplying the products). Such transactions are based on the trust of both parties and the close relationship between them.
On the other hand, in dealings with a large number of unspecified individuals, it is practically difficult to employ the above-mentioned buying and selling. As an alternative transaction method, there is a method using a credit card, which can be said to be the mainstream of the current postpaid transaction. As a matter of course, in order for the buyer to use the postpayment of the product price at the store, it is necessary to own a credit card. And in order for a buyer to own a credit card, the credit guarantee of financial institutions, such as a bank, is needed.
However, in reality, there are cases where a buyer who can be a purchaser has a predetermined income and property, but there is no credit guarantee of a financial institution and a credit card cannot be owned. In this case, since there is no credit guarantee by the buyer's financial institution, it is not possible to purchase goods by postpayment using a credit card at the store. In a modern society where consumers are diversifying, in order to activate consumer activities without stagnation, a commercial transaction method capable of dealing with such consumers is desired.
Incidentally, for example, Patent Document 1 discloses a settlement method for electronic commerce in which the reliability of settlement is improved in electronic commerce. In the settlement method, a credit line for settlement of electronic commerce is given to the user as at least a part of settlement funds, and an account payable for commerce is calculated based on the fact that a settlement request for commerce is input from the user to the settlement processing apparatus. It is determined whether or not it is within the settlement funds of the buyer of the commercial transaction, and when it is within the framework, at least the user is notified via the telecommunication channel that the settlement is approved.
Further, for example, Patent Document 2 discloses an information processing apparatus that assists in calculating a credit risk with high accuracy. In the information processing device, based on the information on the entered claim, specify a combination of characteristic values of the obligor risk characteristics and transaction risk characteristics, specify a classification based on the combination of the characteristic values, Identify an estimate of default rates on receivables based on the identified categories.
JP 2001-312675 A JP 2006-244310 A

The invention of Patent Document 1 approves settlement within the framework of settlement funds in the settlement of electronic commerce, and the invention of Patent Document 2 is the default in order to comply with BIS (Bank for International Settlements) regulations. The credit risk can be calculated by estimating the loss rate and the loss rate at the time of default. In any invention, a buyer who has a predetermined income or property cannot perform postpayment for the price, although he cannot own a credit card. .
An object of the present invention is to provide a commercial transaction system, a client device, a commercial transaction method, and a program recording medium that solve the above-described problems.

The commercial transaction system of the present invention includes a biometric information acquisition unit that acquires biometric information of a purchaser, and the purchaser acquired by the biometric information acquisition unit when accepting an application for a postpaid transaction for a product purchase price from the purchaser. A transaction management unit that transmits a request for acquiring the purchaser's transaction information together with the biometric information of the purchaser to the server device, and the transaction availability for determining whether the postpaid transaction is possible using the purchaser's transaction information acquired from the server device A purchaser information database that holds the purchaser's biometric information and the purchaser's transaction information in association with each other, and the purchaser's biometric in response to the acquisition request from the client device. A transaction management unit that acquires transaction information of the purchaser associated with information from the purchaser information database and transmits the transaction information to the client device And the server device.
The client device according to the present invention includes a biometric information acquisition unit that acquires biometric information of a purchaser, and the purchaser acquired by the biometric information acquisition unit when accepting an application for a post-payment transaction for a product purchase price from the purchaser. A payment management unit for transmitting the purchase information of the purchaser together with the biometric information of the purchaser to a server device that holds the biometric information of the purchaser and the purchaser's transaction information in association with each other, acquired from the server device, A transaction availability determination unit that determines whether or not the postpaid transaction is possible using the purchaser transaction information associated with the purchaser's biometric information transmitted by the server device in response to the acquisition request.
The commercial transaction method of the present invention includes a biometric information acquisition step of acquiring biometric information of the purchaser when receiving an application for postpaid transaction for purchase of goods from the purchaser, and the purchase associated with the biometric information of the purchaser. A transaction information acquisition step of acquiring transaction information of the purchaser from a purchaser information database that holds the purchaser's biological information and the purchaser's transaction information in association with each other, and the purchaser acquired from the purchaser information database And determining whether or not the postpaid transaction is possible using the transaction information.
The program recording medium of the present invention includes a biometric information acquisition process for acquiring biometric information of the purchaser when receiving an application for postpayment of a product purchase price from a purchaser, and the biometric information of the purchaser. A transaction information request process for transmitting a purchase information acquisition request of a purchaser to a server device that holds the biometric information of the purchaser and the purchaser's transaction information in association with each other, and the server device acquired from the server device, A transaction program for executing a transaction availability determination process for determining whether or not the postpaid transaction is possible is recorded using the purchaser transaction information associated with the purchaser's biometric information transmitted in response to the acquisition request.

The effect of the present invention is that a buyer who has a predetermined income or property, but cannot own a credit card, can perform a postpaid transaction.

FIG. 1 is a block diagram showing a characteristic configuration of a commercial transaction system according to an embodiment of the present invention. FIG. 2 is a block diagram showing the configuration of the commercial transaction system in the first embodiment of the present invention. FIG. 3 is a block diagram showing the configuration of the transaction amount settlement apparatus in the first embodiment of the present invention. FIG. 4 is a block diagram showing the configuration of the transaction management server in the first embodiment of the present invention. FIG. 5 is a diagram showing an example of buyer transaction evaluation data in the first embodiment of the present invention. FIG. 6 is a diagram showing an example of purchase history data of the buyer in the first embodiment of the present invention. FIG. 7 is a diagram showing an example of a defect level table in the first embodiment of the present invention. FIG. 8 is a diagram showing an example of a reference value table in the first embodiment of the present invention. FIG. 9 is a sequence chart showing the operation of each device in the first embodiment of the present invention. FIG. 10 is a flowchart showing an operation of transaction feasibility determination processing in the first embodiment of the present invention. FIG. 11 is a sequence chart showing the operation of each device in the second embodiment of the present invention.

DESCRIPTION OF SYMBOLS 1 Commercial transaction system 2 Transaction amount adjustment apparatus 3 Transaction management server 4 Network 21 adjustment apparatus 22 Transaction determination apparatus 23 Biometric information input apparatus 24 Merchandise database 25 Transaction database 26 Display apparatus 27 Reader apparatus 28 Input apparatus 31 Transaction management apparatus 32 Transaction determination apparatus 33 Output device 34 Purchaser information database 35 Transaction database 36 Data communication device 100 Commercial transaction system 110 Server device 111 Purchaser information database 112 Transaction management unit 120 Client device 121 Biometric information acquisition unit 122 Transaction availability determination unit 123 Checkout management unit

Next, the best mode for carrying out the present invention will be described in detail with reference to the drawings. FIG. 1 is a block diagram showing a characteristic configuration of a commercial transaction system according to an embodiment of the present invention.
As shown in FIG. 1, the commercial transaction system 100 includes a server device 110 and a client device 120. The server device 110 includes a purchaser information database 111 that holds the biometric information of the purchaser and the purchaser's transaction information in association with each other, and a transaction management unit 112 that manages the transaction information held in the purchaser information database 111. Including. The client device 120 includes a biometric information acquisition unit 121 that acquires biometric information of a purchaser, and a transaction propriety determination unit 122 that determines whether a post-payment transaction for a product purchase price is possible using the purchaser's transaction information associated with the biometric information. And a settlement management unit 123 that manages transactions with buyers from transaction application to transaction confirmation. The commercial transaction system 100 is configured such that the client device 120 determines whether or not a postpaid transaction is possible. Moreover, although illustration is abbreviate | omitted, as another aspect, a transaction possibility determination part is provided in the server side and transaction determination is performed on the server side, or a transaction possibility determination part is provided in the client side and the server side. You may make it perform transaction determination.
For example, the client device 120 installed in the store sums the prices of a plurality of products selected by the buyer at the store. When the buyer desires postpay, the client device 120 determines whether or not to permit postpay using the buyer's purchase history with respect to the settlement of the combined price. The client device 120 permits the purchase of goods by post-payment with a credit guarantee that the purchase history has a small defect history. The client device 120 uses the biometric information of the buyer to identify the purchase history of the buyer. The biometric information makes a one-to-one correspondence between the buyer and the purchase history of the buyer.
The overall processing flow is as follows. The client device 120 uses the purchase history of the buyer as the buyer's credit guarantee. That is, the client device 120 permits the purchase of goods by postpayment with a credit guarantee that the purchase history has a small defect history. Whether the client device 120 uses the purchaser's biometric information to identify the buyer, and uses the purchaser's biometric information to ensure that the purchase history is the buyer's purchase history, whether to allow postpayment Determine whether. Specifically, when the purchase history satisfies the reference value of the normal transaction rate according to the transaction amount and the reference value of the total number of defects, the client device 120 permits postpay. Then, the client device 120 extracts the buyer's personal information using the buyer's biometric information, and creates a billing destination to be passed to the buyer.
Hereinafter, embodiments of the present invention will be described in detail with reference to the drawings. In addition, since embodiment mentioned later is a suitable embodiment of this invention, various technically preferable restrictions are attached | subjected, The range of this invention limits this invention especially in the following description. As long as there is no description of the effect, it is not restricted to these aspects.
[First Embodiment]
The first embodiment of the present invention is a commercial transaction system configured to determine whether a postpaid transaction is permitted on the client side. The overall configuration of the commercial transaction system according to the first embodiment of the present invention is the same as the system configuration of FIG. 1, but here, a transaction availability determination unit is provided on the server side and the client side.
First, the configuration of the commercial transaction system according to the first embodiment of the present invention will be described. FIG. 2 is a block diagram showing the configuration of the commercial transaction system in the first embodiment of the present invention. The commercial transaction system 1 according to the first embodiment of the present invention includes a transaction amount settlement apparatus 2 (2a, 2b, 2c) and a transaction management server 3. The transaction amount settlement apparatus 2 corresponds to the client apparatus 120 and is installed in a plurality of stores. The transaction management server 3 corresponds to the server device 110. The transaction amount settlement apparatus 2 and the transaction management server 3 are connected via a network 4 such as the Internet or a wireless LAN, and communicate with each other.
FIG. 3 is a block diagram showing the configuration of the transaction amount settlement apparatus in the first embodiment of the present invention. The transaction amount settlement apparatus 2 includes a settlement apparatus 21, a transaction determination apparatus 22, a biological information input apparatus 23, a product database 24, a transaction database 25, a display apparatus 26, a reader apparatus 27, an input apparatus 28, an output apparatus 33, and a data communication apparatus. 36.
The settlement apparatus 21 corresponds to the settlement management unit 123 and manages and controls transactions performed in the transaction amount settlement apparatus 2. The checkout device 21 manages, controls, and processes transactions for purchasing products from buyers. Further, the settlement apparatus 21 manages and controls the buyer's biometric information acquisition process and transaction permission process. Moreover, the transaction determination apparatus 22 respond | corresponds to the transaction availability determination part 122, and determines whether the transaction method of goods advance delivery and transaction amount postpay is permitted using a buyer's purchase history. The biometric information input device 23 corresponds to the biometric information acquisition unit 121, reads the biometric information of the buyer (fingerprint, palm print, iris, venous flow, face, etc.) and outputs it as biometric data.
The product database 24 holds information on products that are traded in stores. The product information stored in the product database 24 includes a product image, a product name, a product identification number composed of numbers or alphanumeric characters, a product price, a product inventory number, and a product ordering party. In addition, the transaction database 25 holds transactions based on a transaction method of commodity advance / transaction amount post-payment permitted by the settlement apparatus 21.
The display device 26 displays the transaction amount. The display device 26 is a touch panel type display device, and outputs data selected by the buyer or seller touching the display screen. The reader device 27 outputs a product identification number consisting of numerals or alphanumeric characters obtained from a barcode or RFID tag attached to the product. The input device 2811 includes a keyboard and a cross key, and the seller inputs data using the keyboard and the cross key. The output device 33 includes a printer or the like, and prints out an invoice or a receipt. The data communication device 36 includes an interface function with the network 4, and communicates data with other terminals, devices, and servers (including the transaction management server 3) via the network 4.
FIG. 4 is a block diagram showing the configuration of the transaction management server in the first embodiment of the present invention. The transaction management server 3 includes a transaction management device 31, a transaction determination device 32, an output device 33, a buyer information database 34, a transaction database 35, and a data communication device 36.
The transaction management device 31 corresponds to the transaction management unit 112 and manages the biological information of the buyer, the personal information of the buyer, and the purchase history of the buyer. The transaction management device 31 manages and controls the transaction management server 3. Further, the transaction management apparatus 31 performs access to the buyer information database 34 and the transaction database 35 and controls the transaction determination apparatus 32.
The purchaser information database 34 corresponds to the purchaser information database 111. The information held in the buyer information database 34 includes biological information of the buyer, purchase history of the buyer, and personal information of the buyer. The buyer's biometric information, the buyer's purchase history, and the buyer's personal information are held in association with each buyer. The biological information of the buyer is, for example, information of one of fingerprint, palm print, iris, venous flow, and face. The buyer's personal information includes the buyer's identification number, zip code, address, name, age, gender, telephone number, and e-mail address consisting of numbers or alphanumeric characters.
The buyer transmits the biometric information of the buyer and the buyer's personal information from the transaction amount clearing apparatus 2 to the transaction management server 3 in advance before using for the first time the postpaid transaction method for the prepaid transaction amount. The transaction management device 31 of the transaction management server 3 stores the buyer's biological information and the buyer's personal information in the buyer information database 34 in association with each other.
The transaction database 35 accumulates information on the postpaid transaction permitted on the transaction amount settlement apparatus 2 side, and holds the information as purchaser transaction information. The transaction information is a result of the transaction between the buyer and the store. When the transaction management apparatus 31 receives the transaction result transmitted from the transaction amount settlement apparatus 2 of the store, the transaction management apparatus 31 adds the transaction result to the transaction information held for each buyer in the transaction database 35 and holds the transaction information. . Here, the buyer's transaction information includes the buyer's transaction evaluation and the buyer's individual purchase history.
The transaction determination device 32, the output device 33, and the data communication device 36 have the same configuration as each device included in the transaction amount settlement device 2, and a description thereof is omitted. In the first embodiment of the present invention, the transaction amount settlement apparatus 2 on the client side performs post-payment transaction permission determination and invoice creation (output) processing, so that the transaction determination apparatus 32 and output of the transaction management server 3 The device 33 does not perform post-payment transaction permission determination or bill creation processing.
FIG. 5 is a diagram showing an example of buyer transaction evaluation data in the first embodiment of the present invention. The buyer's transaction evaluation includes the total number of transactions, the number of normal transactions, the normal transaction rate, and the number of defective transactions for each buyer. The normal transaction rate is the ratio of the number of normal transactions to the total number of transactions. The number of defective transactions is the total number of transaction results other than normal transactions.
FIG. 6 is a diagram showing an example of purchase history data of the buyer in the first embodiment of the present invention. Each purchase history of the buyer includes a transaction date for each transaction, a store name, an address of the transaction amount settlement apparatus 2 at the store, a transaction amount, a transaction result, and a defect level.
FIG. 7 is a diagram showing an example of a defect level table in the first embodiment of the present invention. Here, as the transaction result of the purchase history item, normal transaction, unjust request, unjust claim, commodity exchange, refund, payment delay, unpaid, and buyer missing are defined. These transaction results are classified into defects of defect levels 0 to 5. The transaction result of a serious defect has a large defect level. For example, a normal transaction corresponds to a defect level 0 because there is no defect, and an unpaid or missing buyer corresponds to a maximum defect level 5 as a serious defect.
Next, specific operations of each device in the commercial transaction system according to the first embodiment of the present invention will be described. FIG. 9 is a sequence chart showing the operation of each device in the first embodiment of the present invention. In addition, although it repeats, in 1st Embodiment of this invention, the transaction amount clearing apparatus 2 determines the propriety of the postpaid transaction of goods price using a buyer's transaction history.
When the buyer enters the store, the buyer selects one or a plurality of products that he / she wishes to purchase. The buyer proceeds to the transaction amount clearing apparatus 2 to settle the transaction amount of the product. The seller causes the reader device 27 to read the barcode assigned to each product. The reader device 27 acquires a product identification number made up of product numbers or alphanumeric characters from the read bar code, and outputs it to the checkout device 21 (step S1010). The checkout device 21 searches the product database 24 using the product identification number from the reader device 27, and acquires the amount of each product (step S1020). The settlement apparatus 21 adds up the amounts of one or a plurality of products, and displays the total amount of products that the buyer desires to purchase on the display device 26 (step S1030).
Further, the settlement apparatus 21 displays on the display device 26 a screen requesting selection of a transaction method for clearing the transaction amount. The display device 26 displays a plurality of transaction methods (product advance / transaction amount postpay, cash payment, credit card payment). The buyer uses the touch panel of the display device 26 from among a plurality of transaction methods (product advance delivery / transaction amount postpay, cash payment, credit card payment), and selects the product advance delivery / transaction amount postpay as the transaction method. The checkout apparatus 21 receives a selection signal indicating the pre-paid item and the post-payment of the transaction amount as a transaction method from the display device 26 (step S1040).
When the checkout device 21 receives a selection signal indicating product delivery / payment amount postpay as a transaction method, the transaction amount is the total amount of products that the buyer desires to purchase, and the transaction amount is postpaid / transaction amount postpaid transaction. Start the decision whether to allow the method. Further, the settlement apparatus 21 generates a transaction management number consisting of numerals or alphanumeric characters in order to manage this transaction (step S1050).
Next, the checkout device 21 displays a screen requesting the buyer to input biometric information on the display device 26. The buyer causes the biometric information input device 23 to read, for example, a fingerprint as biometric information. The biometric information input device 23 extracts feature points from the read fingerprint, acquires data consisting of a set of feature point coordinates as biometric information of the buyer, and outputs the data to the checkout device 21 (step S1060). Then, the settlement apparatus 21 transmits the transaction management number, the buyer's biological information, and the buyer's transaction information acquisition request to the transaction management apparatus 31 of the transaction management server 3 via the network 4 by the data communication apparatus 36 ( Step S1070).
On the other hand, the transaction management device 31 of the transaction management server 3 searches the purchaser information database 34 using the buyer's biometric information received from the transaction amount settlement device 2 as a key (steps S1080 and S1090). Then, the transaction management device 31 acquires the buyer's transaction information associated with the biometric information and the buyer's personal information (step S1100). The buyer's transaction information includes the buyer's transaction evaluation and the buyer's individual purchase history, as described above. Then, the transaction management apparatus 31 transmits the transaction management number, the buyer's transaction information, and the buyer's personal information to the settlement apparatus 21 of the transaction amount clearing apparatus 2 via the network 4 (step S1110).
Upon receiving the transaction management number, the buyer's transaction information, and the buyer's personal information, the settlement device 21 of the transaction amount clearing apparatus 2 transmits the transaction management number, the transaction amount, and the buyer's transaction information to the transaction determination device 22 ( Step S1120). The transaction judging device 22 uses the transaction management number, the transaction amount, and the buyer's transaction information received from the settlement device 21 to permit the transaction method of the pre-payment for the product advance / transaction amount selected by the buyer for the transaction amount. Whether or not is started (step S1130).
FIG. 10 is a flowchart showing an operation of transaction feasibility determination processing in the first embodiment of the present invention. First, the transaction determination device 22 of the transaction amount settlement apparatus 2 acquires transaction evaluation and purchase history from the buyer transaction information received from the transaction management server 3 (step S1131). And the transaction determination apparatus 22 extracts a normal transaction rate from transaction evaluation (step S1132). Next, the transaction determination device 22 extracts the number of transactions for each defect level corresponding to the transaction amount from the purchase history (step S1133). When the normal transaction rate is equal to or higher than the reference value (step S1134 / YES) and the number of transactions for each defect level is equal to or lower than the reference value (step S1135 / YES), the transaction determination device 22 permits postpaid transactions for the product price. A determination is made (step S1136). In other cases (steps S1134 / NO, S1135 / NO), the transaction determination device 22 determines to reject the postpaid transaction (step S1137).
The transaction availability determination will be described more specifically. The transaction determination device 22 determines whether or not to permit a postpaid transaction method for the prepaid transaction amount of the product, from the transaction information, the normal transaction rate of the buyer according to the transaction amount, the transaction amount and the defect level of the buyer The total number of defects corresponding to each of (defect level 1 to defect level 5) is used. In addition, when the transaction amount is low, the transaction determination device 22 determines only the normal transaction rate of the buyer according to the transaction amount, or the total defect according to the transaction amount and the defect level of the buyer (defect level 1 to defect level 5). Transaction permission may be determined using only the number of cases.
Regarding the normal transaction rate of the buyer according to the transaction amount and the total number of defects according to each of the transaction amount and the buyer's defect level (defect level 1 to defect level 5), the seller determines the reference value in advance in the transaction determination device 22 Is set. As conditions for permitting postpaid transaction methods for prepaid merchandise, the total amount of defects corresponding to the normal transaction rate of the buyer according to the transaction amount and the defect level (defect level 1 to defect level 5) of the transaction amount and the buyer The number of cases (for one year) needs to satisfy the standard value.
FIG. 8 is a diagram showing an example of a reference value table in the first embodiment of the present invention. In the reference value table, the reference value of the normal transaction rate of the buyer according to the transaction amount, and the total number of defects (for one year) according to the transaction amount and the defect level of the buyer (defect level 1 to defect level 5). The reference value is set.
The reference value of the normal transaction rate that is determined to be a transaction permission is set to increase as the transaction amount increases. For example, the reference value of the normal transaction rate with a transaction amount of 999 yen or less is 40%, but the reference value of the normal transaction rate with a transaction amount of 1,000 yen to 9,999 yen is set to 60%. In order to determine that the transaction is permitted, the normal transaction rate of the buyer needs to be the same as or higher than the reference value of the normal transaction rate according to the transaction amount. For example, if the transaction amount is 2,000 yen, the normal transaction rate needs to be 60% or more to determine that the transaction is permitted.
The reference value of the total number of defects (for one year) corresponding to each of the transaction amount and the buyer's defect level (defect level 1 to defect level 5) is set so as to decrease as the transaction amount increases. For example, the transaction amount is 999 yen or less, the standard value of the total number of defects at defect level 1 is set to 20, the transaction amount is 1,000 yen to 9,999 yen, and the standard value of the total number of defects at defect level 1 is It is set to 15 cases. In addition, even with the same transaction amount, the standard value for the total number of defects is set lower as the defect level increases. For example, the transaction amount is 999 yen or less, the reference value for the total number of defects at defect level 1 is set to 20, and the reference value for the total number of defects at defect level 2 is set to 5.
In addition, in order to determine that the transaction is permitted, it is necessary that the total number of defects (for one year) for each defect level of the buyer is the same as or lower than the reference value for the total number of defects according to the transaction amount. is there. For example, if the transaction amount is 2,000 yen, to determine that the transaction is permitted, the total number of defects at defect level 1 is 15 or less, the total number of defects at defect level 2 is 4 or less, and the total number of defects at defect level 3 It is necessary that the number of defects is 2 or less, the total number of defects at defect level 4 is 1 or less, and the total number of defects at defect level 5 is 0 or less. The reference value (one year) for the total number of defects at defect level 5 is set to zero. Therefore, if the transaction between the buyer and the online store apparatus 2 results in a transaction corresponding to the defect level 5 (unpaid or the buyer is missing), all transactions are not permitted for the buyer.
Returning to the description of the operation of each device (FIG. 9) in the commercial transaction system. As shown in FIG. 10, when the transaction determination device 22 determines that the buyer's transaction information satisfies the conditions for permitting the transaction method of the commodity advance / postpayment according to the transaction amount, the item delivery selected by the buyer -Allow postpaid transactions. And the transaction determination apparatus 22 produces | generates a transaction permission number, and transmits to the settlement apparatus 21 with a transaction management number and a buyer's personal information (step S1140).
The settlement apparatus 21 that has received the transaction management number, the transaction permission number, and the personal information recognizes that the transaction determination apparatus 22 has permitted the pre-paid product / transaction amount transaction selected by the buyer by acquiring the transaction permission number. Then, the checkout device 21 displays on the display device 26 that the transaction method for the prepaid item and the transaction amount is permitted. Further, the checkout device 21 uses the buyer's personal information (zip code, address, name) as the buyer's name and the transaction amount as the billing amount, and the billing destination, billing amount, billing amount payee account, An invoice in which the due date is written is created, and the invoice is printed and output from the output device 33 (step S1150).
The seller passes the invoice and one or more items to the buyer, and the buyer receives the invoice and the item. The checkout device 21 stores transaction management information including a transaction management number, a product identification number, a billing amount, a billing amount payee account, a payment date, and the buyer's personal information (buyer's identification number, zip code, address, name). Store in the transaction database 25 (step S1160).
Then, the settlement apparatus 21 terminates the transaction on the payment date, and reports information on the transaction result with the buyer to the transaction management apparatus 31 (step S1170). Unfair claims and unpaid items from the buyer are retained as defective transactions in the purchase history of the buyer. The settlement apparatus 21 transmits a normal transaction to the transaction management apparatus 31 as a transaction result when the charged amount is received from the buyer in the charged amount payee account by the due date. When there is no payment of the billing amount from the buyer to the billing amount payee account by the due date, the settlement apparatus 21 transmits a non-paid malfunction transaction (defect level 5) to the transaction management apparatus 31 as a transaction result. The loss of the transaction amount due to the unpaid buyer is the loss of the seller's store.
On the other hand, the transaction management device 31 of the transaction management server 3 additionally holds the transaction result information received from the settlement device 21 of the transaction amount clearing device 2 in the transaction information (transaction evaluation, purchase history) in the buyer information database 34. (Steps S1180 and S1190).
[Second Embodiment]
The second embodiment of the present invention is a commercial transaction system configured to determine whether a postpaid transaction is permitted on the server side. Since the overall configuration of the commercial transaction system of the second embodiment of the present invention is the same as that of the first embodiment, the description thereof will be omitted, and specific operations of each device in the commercial transaction system will be described. FIG. 11 is a sequence chart showing the operation of each device in the second embodiment of the present invention.
In the transaction price settlement apparatus 2, in order to settle the transaction price of the product, the reader device 27 reads the barcode and acquires the product identification number (step S2010). The checkout device 21 searches the product database 24 using the product identification number from the reader device 27, and acquires the amount of each product (step S2020). And the payment apparatus 21 acquires the total amount of goods (step S2030). Further, the settlement apparatus 21 acquires a transaction method for clearing the transaction amount (step S2040). Then, when the settlement apparatus 21 receives the selection signal of the transaction method of the prepaid item / postpayment of the transaction amount, it generates a transaction management number for managing this transaction (step S2050). Next, the checkout device 21 displays a screen requesting the buyer to input biometric information on the display device 26, and the biometric information input device 23 acquires the biometric information of the buyer (step S2060). Up to this point, the process is the same as in the first embodiment.
Next, the settlement apparatus 21 sends a transaction management number, a purchaser's biometric information, a transaction amount (settlement amount), and a request for obtaining a transaction availability determination result to the transaction management server 3 via the network 4 by the data communication device 36. It transmits to the transaction management apparatus 31 (step S2070). In the second embodiment of the present invention, since the transaction possibility determination is performed on the server side, it is necessary to send information used for the transaction permission determination from the client side to the server side. Therefore, the client side transmits information on the transaction amount that has not been transmitted in the first embodiment of the present invention to the server side. In addition, when the permission determination for the postpaid transaction is issued, since it is necessary to confirm the transaction with the buyer on the client side, the client side transmits an acquisition request for the transaction determination result to the server side.
On the other hand, the transaction management device 31 of the transaction management server 3 searches the buyer information database 34 using the buyer's biometric information received from the transaction amount settlement device 2 as a key (steps S2080 and S2090). Then, the transaction management device 31 acquires the buyer's transaction information and the buyer's personal information associated with the biometric information, and transmits it to the transaction determination device 32 (step S2100). As described above, the buyer's transaction history includes the buyer's transaction evaluation and the buyer's individual purchase history. Whether or not the transaction determination device 32 permits the transaction method of the commodity advance / transaction amount post-payment selected by the buyer for the transaction amount using the transaction amount received from the transaction management device 31 and the buyer's transaction information. Is started (step S2110). The flow of transaction feasibility determination processing is as shown in FIG. 10 as in the first embodiment of the present invention, and the specific method of transaction feasibility determination is the same as that described in the first embodiment of the present invention. Therefore, the description is omitted here.
As shown in FIG. 10, when the transaction determination device 32 determines that the buyer's transaction information satisfies the conditions for permitting the product delivery / payment method according to the transaction amount, the product delivery selected by the buyer -Allow postpaid transactions. And the transaction determination apparatus 32 produces | generates a transaction permission number, and transmits to the settlement apparatus 21 with a transaction management number and personal information (step S2120, S2130).
The settlement apparatus 21 that has received the transaction management number, the transaction permission number, and the personal information recognizes that the transaction determination apparatus 32 has permitted the product prepaid / transaction amount postpaid transaction selected by the buyer by acquiring the transaction permission number. Then, the checkout device 21 displays on the display device 26 that the transaction method of merchandise advance / transaction amount postpay is permitted (step S2140). The settlement apparatus 21 receives input of transaction confirmation information from the input device 28, and acquires transaction confirmation information (step S2150). The transaction confirmation information is information indicating the confirmation of the transaction with the buyer, and may be, for example, a transaction confirmation flag that is input when a product is delivered. Then, after acquiring the transaction confirmation information, the settlement apparatus 21 transmits the transaction management number, the transaction confirmation information, and the billed amount to the transaction management server 3 (step S2160).
The transaction management device 31 receives the transaction management number, the transaction confirmation information, and the billed amount from the transaction amount settlement device 2 (step S2170), and then uses the buyer's personal information (zip code, address, name) and the buyer's name. Is used as the billing destination and the transaction amount is used as the billing amount. An invoice containing the billing destination, the billing amount, the billing amount payee account, the due date, etc. is created, and the invoice is printed from the output device 33 and output. (Step S2180). The output invoice is sent to the buyer using the buyer's personal information (zip code, address, name). The transaction management device 31 also includes transaction management number, product identification number, billing amount, billing amount payee account, payment date, and buyer's personal information (buyer identification number, zip code, address, name). Information is stored in the transaction database 35 (step S2190).
At a later date, the transaction management device 31 ends the transaction on the payment date, and acquires information on the transaction result with the buyer (step S2200). Unfair claims and unpaid items from the buyer are retained as defective transactions in the purchase history of the buyer. And the transaction management apparatus 31 updates the transaction information (transaction evaluation, purchase history) of the buyer information database 34 using the acquired transaction result information (step S2210). The transaction management device 31 adds a normal transaction to the transaction information in the buyer information database 34 as a transaction result when the charged amount is received from the buyer in the charged amount payee account by the due date. When there is no deposit of the billing amount from the buyer to the billing amount payee account by the due date, the transaction management device 31 converts the unpaid defect transaction (defect level 5) into the transaction information of the buyer information database 34 as the transaction result. to add.
Moreover, the transaction management apparatus 31 remits the amount of money received to the store when the amount of money charged to the billed payee account is received from the buyer. On the contrary, when the transaction management device 31 determines that there is no payment of the charged amount from the buyer in the charged amount payee account, the transaction management device 31 compensates the store for the same amount as the transaction amount and sends the compensation money to the store.
As described above, according to the embodiment of the present invention, it is possible to make a prepaid transaction of goods according to the transaction amount and postpayment of the transaction amount using the purchase history of the buyer in the store.
The reason is that the transaction determination device 22 or the transaction determination device 32 determines whether or not to allow a postpaid transaction using the buyer's transaction information.
Further, according to the embodiment of the present invention, it is possible to guarantee that the purchase history is the purchase history of the buyer using the biological information of the buyer.
The reason is that the transaction management server 3 stores the purchase history in the purchaser information database 34 in association with the purchaser's biological information.
Further, according to the embodiment of the present invention, the online store can create a buyer's invoice using the buyer's personal information (zip code, address, name) obtained using the buyer's biometric information. It becomes possible.
The reason is that the transaction management server 3 stores the buyer's personal information in the buyer information database 34 in association with the buyer's biometric information, and when the transaction is permitted, the checkout device 21 or the transaction management device 31 This is because personal information is acquired based on biometric information and an invoice is created.
An effect of the present invention is that a buyer who has a predetermined income or property but cannot own a credit card can perform a postpaid transaction.
The above-described embodiment is a preferred embodiment of the present invention, and the scope of the present invention is not limited to the above-described embodiment alone, and various modifications are made without departing from the gist of the present invention. Implementation is possible.
That is, the program executed in the commercial transaction system in the embodiment of the present invention has a module configuration including the above-described units (the settlement management unit, the transaction availability determination unit, the transaction management unit, etc.), and the actual hardware A concrete means is realized using. That is, when the computer (CPU (Central Processing Unit)) reads and executes a program from a predetermined recording medium, each of the above means is loaded onto the main storage device, and a settlement management unit, a transaction allowance determination unit, a transaction management unit Are generated on the main memory.
The program executed in the commercial transaction system according to the present embodiment may be configured to be stored on a computer connected to a network such as the Internet and provided by being downloaded via the network. Further, the program may be provided or distributed via a network such as the Internet.
The program is a file in an installable or executable format, and is a floppy (registered trademark) disk, hard disk, optical disk, magneto-optical disk, CD-ROM (Compact Disk Read Only Memory), CD-R (Compact). It may be configured to be recorded and provided on a computer-readable recording medium such as a Disc Recordable (DVD), a DVD (Digital Versatile Disc), or a nonvolatile memory card. Further, the above program may be provided by being incorporated in advance in a ROM (Read Only Memory) or the like.
In this case, the program code itself read from the recording medium or loaded and executed through the communication line realizes the functions of the above-described embodiments. And the recording medium which recorded the program code comprises this invention.
This application claims the priority on the basis of Japanese application Japanese Patent Application No. 2008-279678 for which it applied on October 30, 2008, and takes in those the indications of all here.

Claims

A biometric information acquisition unit for acquiring biometric information of the purchaser;
Checkout management for transmitting an acquisition request for the purchaser's transaction information to the server device together with the purchaser's biometric information acquired by the biometric information acquisition unit when accepting an application for postpaid transaction for purchase of a product from the purchaser And
A client device having a transaction availability determination unit that determines the availability of the postpaid transaction using the purchaser's transaction information acquired from the server device;
A purchaser information database that stores the purchaser's biometric information and the purchaser's transaction information in association with each other; and, in response to the acquisition request from the client device, the purchaser's biometric information associated with the purchaser's biometric information. A business transaction system comprising: the server device including: a transaction management unit that acquires transaction information from the purchaser information database and transmits the transaction information to the client device.
The purchaser information database holds the purchaser's biometric information, the purchaser's transaction information, and the purchaser's personal information in association with each other,
When the postpaid transaction is permitted by the transaction availability determination unit, the settlement management unit acquires personal information of the purchaser associated with the biometric information held in the purchaser information database, and the purchaser The business transaction system according to claim 1, wherein a bill relating to the postpaid transaction is created using personal information.
The settlement management unit transmits transaction result information by the postpaid transaction to the server device,
The commerce system according to claim 1 or 2, wherein the transaction management unit updates the transaction information in the buyer information database using the transaction result information received from the settlement management unit.
The transaction information includes a transaction evaluation including a normal transaction rate for the entire transaction of the buyer, and a purchase history including a transaction amount and a transaction result for each transaction of the purchaser. The commerce system described in Crab.
The transaction information includes a transaction evaluation including a normal transaction rate for the entire transaction of the buyer, and a purchase history including a transaction amount and a transaction result for each transaction of the buyer,
5. The post-payment transaction is permitted according to claim 1, wherein the transaction availability determination unit permits the postpaid transaction when the normal transaction rate included in the purchaser's transaction information acquired from the server device is equal to or greater than a predetermined threshold. Commerce system described.
The transaction information includes a transaction evaluation including a normal transaction rate for the entire transaction of the purchaser, and a purchase history including a transaction amount and a defect level of a transaction result for each transaction of the purchaser,
The transaction allowance determining means permits the postpaid transaction when the total number of defect levels of the transaction result included in the purchaser transaction information acquired from the server device is equal to or less than a predetermined threshold. Item 6. The commercial transaction system according to any one of Items 1 to 5.
A biometric information acquisition unit for acquiring biometric information of the purchaser;
When accepting an application for a postpaid transaction for purchase of goods from the purchaser, the purchaser's biometric information and the purchaser's biometric information together with the purchaser's biometric information acquired by the biometric information acquisition unit A settlement management unit that transmits to a server device that holds the buyer's transaction information in association with the transaction information;
Transaction adequacy determination for determining whether or not the postpaid transaction is possible using the purchaser transaction information associated with the purchaser's biometric information acquired from the server device in response to the acquisition request. A client device.
The server device holds the purchaser's biometric information, the purchaser's transaction information, and the purchaser's personal information in association with each other,
When the postpaid transaction is permitted by the transaction availability determination unit, the settlement management unit acquires the purchaser's personal information associated with the biometric information held in the server device, and the purchaser's personal information The client apparatus according to claim 7, wherein a bill related to the postpaid transaction is created using information.
The client device according to claim 7 or 8, wherein the settlement management unit transmits transaction result information based on the postpaid transaction to the server device that updates the transaction information using the transaction result information.
The transaction information includes a transaction evaluation including a normal transaction rate for the entire transaction of the buyer, and a purchase history including a transaction amount and a transaction result for each transaction of the purchaser. The client device according to claim 1.
The transaction information includes a transaction evaluation including a normal transaction rate for the entire transaction of the buyer, and a purchase history including a transaction amount and a transaction result for each transaction of the buyer,
11. The post-payment transaction is permitted according to any one of claims 7 to 10, wherein the transaction availability determination unit permits the postpaid transaction when the normal transaction rate included in the purchaser transaction information acquired from the server device is equal to or greater than a predetermined threshold. The client device described.
The transaction information includes a transaction evaluation including a normal transaction rate for the entire transaction of the purchaser, and a purchase history including a transaction amount and a defect level of a transaction result for each transaction of the purchaser,
The transaction allowance determining means permits the postpaid transaction when the total number of defect levels of the transaction result included in the purchaser transaction information acquired from the server device is equal to or less than a predetermined threshold. Item 12. The client device according to any one of Items 7 to 11.
A biometric information acquisition step of acquiring biometric information of the purchaser when accepting an application for postpaid transaction for purchase of goods from a purchaser;
A transaction information acquisition step of acquiring the purchaser transaction information associated with the purchaser's biometric information from a purchaser information database that holds the purchaser's biometric information and the purchaser's transaction information in association with each other; ,
A transaction transaction determination method including a transaction permission / rejection determination step of determining whether the postpaid transaction is permitted or not using the purchaser transaction information acquired from the purchaser information database.
On the computer,
A biometric information acquisition process for acquiring biometric information of the purchaser when accepting an application for a post-payment transaction for a product purchase price from a purchaser;
A transaction information request process for transmitting a purchase request for the purchaser's transaction information together with the purchaser's biometric information to a server device that holds the purchaser's biometric information and the purchaser's transaction information in association with each other;
Transaction adequacy determination for determining whether or not the postpaid transaction is possible using the purchaser transaction information associated with the purchaser's biometric information acquired from the server device in response to the acquisition request. The program recording medium which recorded the commercial transaction program which performs a process.