JP2002318934A - Escrow settlement system in commerce - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a payment system capable of realizing the smoothening and safety of a transaction by removing an uneasiness such as fraudulent act or the like in a trade contract in electronic commerce. SOLUTION: In this escrow settlement system in electronic commerce formed of a system management center, a purchaser, a seller and an allied financial institute, when an electronic commerce is established between the seller and the purchaser, the purchaser deposits the paid cost to the account held by the allied financial institute. The system management center comprises a means for confirming the deposition of the settled cost to the account held by the allied financial institute, a means for requesting the purchaser the delivery of an object to trade to the seller, a means for receiving the receipt confirmation of the object from the purchaser, and a means for requesting the allied financial institute the payment of the price of the object to the seller and the payment of a required cost such as system usage fee or the like to the system management center.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an escrow settlement system in electronic commerce, which can remove anxiety about fraudulent acts and the like and can positively and positively conduct transactions.

[0002]

2. Description of the Related Art In e-commerce, even if a transaction is made on an open network, the actual payment is based on conventional business-to-business credit and relied on bills and long-term site payments. It is a fact. When the parties settle the price, in giving or receiving goods or providing services, the parties take risks such as obscuring, impersonating, or bankruptcy of the other party, making it impossible to recover the price of the goods or services.

[0003] In the electronic trading market that is growing at an explosive rate, there is a problem that there is no reliable payment method for unreliable transactions. An escrow service (third party deposit) developed in the United States is known as a reliable payment method. This is a system in which a purchaser or an orderer first deposits a contract price with a third party, for example, a financial institution, and pays the price after confirming the fulfillment of the contract by the seller or the contractor.

[0004] Currently provided escrow payment systems include: 1) setting a fictitious specific account for each transaction and deleting the account after payment; 2) saving an account owned by a system administrator without cooperating with a financial institution. And 3) a system is constructed using a dedicated line jointly with a system administrator and a specific financial institution. 4) Transaction party information is disclosed in a contract.

However, in these escrow services, 1) a fictitious account is set every time a transaction is made, so that the transfer destination changes for each transaction, and the accounting process becomes complicated. 2) The account owned by the system administrator (general company) is settled. In the case of using it, the accuracy of the transaction information and the credibility of account management are lacking, and the person at the time of the transaction will take the risk of collecting money due to bankruptcy,
3) When disclosing information of a transaction party in a contract, there are problems such as lack of credibility in security aspects other than the transaction. Also, the existing escrow service,
It takes time to confirm and notify sellers and buyers, and because of the reliability of service companies, there are aspects that do not conform to business practices in Japan, and they are hardly popular in Japan.

[0006] While electronic commerce provides various advantages such as globalization of business partners, securement of stable contractors, cost reduction and speedup, anxiety about the settlement of transaction prices is accompanied. Against this background, 1: 1 to n: n
In e-commerce that continues to evolve and expand to an unspecified number of people, there is a need for a new payment method that can utilize e-commerce positively and with peace of mind.

[0007]

SUMMARY OF THE INVENTION The present invention relates to a settlement method for a transaction contract in electronic commerce, which removes anxiety about fraudulent acts, etc. by temporarily depositing the payment with a financial institution, thereby facilitating the transaction and ensuring security. It is intended to provide a system. That is, based on the sales information of the seller and the purchase information of the purchaser on the network or the like, the purchaser pays the payment generated by the purchase to the account owned by the purchaser's financial institution, and Removes anxiety about fraudulent activities, such as buyers remittance but not receiving goods, and sellers sending goods but not receiving payments, by taking over the buyer's payment obligations. It is an object of the present invention to provide a payment settlement support system capable of conducting transactions with security and aggressiveness.

[0008]

[Means for Solving the Problems] This system is based on a tie-up between a system administrator and a financial institution.
An account owned by a financial institution used for settlement of the price is provided, and notification of the transfer of money between the account of the financial institution and the account of the seller or the purchaser is provided. An escrow payment system in electronic commerce comprising a system management center, a buyer, a seller and a partner financial institution, wherein an e-commerce is established between the seller and the buyer, and the buyer pays for the settlement. After depositing into the account owned by the affiliated financial institution, the system management center confirms that the settlement price has been deposited into the account owned by the affiliated financial institution, and to the seller, the buyer of the transaction object to the seller. Means for requesting delivery of the transaction object, means for receiving confirmation of receipt of the transaction object from the buyer, and payment and system for the seller of the transaction object price to the partner financial institution. Means for requesting a payment to the system management center of Shoyo price of use fees, etc., is an escrow payment system in e-commerce, characterized in that with.

[0009] The invention of claim 2 is an escrow settlement system in electronic commerce, characterized in that the system management center is provided with means for anonymous purchasers and / or sellers.

According to a third aspect of the present invention, the means performed by the buyer or / and the seller anonymously provides identification information of the seller or / and the buyer applied when participating in the electronic commerce and for each commercial transaction. An escrow settlement system in electronic commerce, characterized in that the means uses transaction recognition information (number) applied only to the commercial transaction.

According to a fourth aspect of the present invention, the means for the system management center to confirm that the payment has been paid to the account of the affiliated financial institution is performed by a standard communication procedure of the Japan Bankers Association or via an open network. An escrow payment system in electronic commerce, characterized in that:

According to a fifth aspect of the present invention, the system management center requests the affiliated financial institution to pay the seller for the transaction object and to the system management center for the required fee such as a system usage fee. An escrow settlement system in electronic commerce, wherein the means is a means performed through a standard communication procedure of the National Bankers Association or an open network.

According to a sixth aspect of the present invention, the means for requesting the delivery of the transaction object to the purchaser and the means for receiving the confirmation of receipt of the transaction object from the purchaser through the open network are provided. An escrow settlement system in electronic commerce, characterized in that the escrow settlement system is a means for performing the transaction.

According to a seventh aspect of the present invention, the system manager center notifies the affiliated financial institution, buyer and seller of the transaction status.
An escrow settlement system in electronic commerce, comprising means for notifying via an open network.

An eighth aspect of the present invention is the escrow settlement system in electronic commerce, wherein the system management center has means for displaying transaction contents on an open network.

According to a ninth aspect of the present invention, when a transaction object that does not match the contract content is delivered to the buyer,
A system management center comprising means for receiving a notice of cancellation from the buyer via an open network, and means for notifying a partner financial institution that the buyer will be reimbursed for the transaction object. Is an escrow settlement system in electronic commerce.

The invention according to claim 10 is characterized in that the system management center is provided with a dedicated communication line means for confirming the contents of the account of the affiliated financial institution, notifying, instructing and requesting the affiliated financial institution. Is an escrow settlement system in electronic commerce.

The present invention is an escrow settlement system in electronic commerce comprising a system management center, buyers, sellers, and affiliated financial institutions. This system has the following configuration. After the electronic commerce is established between the seller and the buyer, the buyer deposits the settlement price into the account owned by the affiliated financial institution. When the system management center confirms that the settlement price has been deposited into the account owned by the affiliated financial institution, the system management center requests the seller to deliver the transaction object to the buyer. The requested seller hands over the transaction object to the buyer. When the system management center receives the notification of the receipt of the transaction object from the buyer, the system management center pays the price of the transaction object to the seller to the partner financial institution, and manages the required price such as a system usage fee. Request payment to the center. The partner financial institution requested is
Each amount is paid to the seller and the system management center. In this way, both the buyer and the seller can securely and positively conduct electronic commerce safely and securely.

When the system management center operates the present system, identification information of a seller or / and a purchaser applied when participating in the electronic commerce, and is assigned to each commercial transaction and applied only to the commercial transaction. Transaction recognition information
Procedure processing can be performed based on (number). This allows merchants and buyers to participate in business transactions anonymously,
You can settle the price. In this system,
Since the transaction can be settled without the parties taking credit risk, the transaction can be completed through the Open Network without disclosing its own information. It is possible to prevent fraud such as the use of information by a third party.

In the present system, when the system management center confirms that the settlement price has been deposited into the account owned by the affiliated financial institution, the system management center can perform the standard communication procedure of the National Bankers Association or an open network. By using the National Bankers Association's standard communication procedure, highly accurate information can be exchanged without building a special system. In addition, the system administrator center
When notifying a partner financial institution, a buyer and a seller of the transaction status, and requesting a seller to deliver a transaction object to the buyer, the notification and request can be made via an open network.

In this system, an account owned by a partner financial institution is used as a settlement account. By using the account (financial institution name) owned by the partner financial institution as the account to be used for settlement, after the buyer (orderer) deposits, the partner financial institution gives the seller (contractor) an indemnification In this case, even if the buyer goes bankrupt, the payment obligation to the seller is protected. Also, the seller can deliver the transaction object without risking the receipt of the price.

When a transaction object that does not match the contract content is delivered to the buyer, the system management center receives a notification of cancellation from the buyer via the open network and sends the notification to the affiliated financial institution. The buyer can be notified that the price of the transaction object is to be refunded to the buyer. In this way, the buyer can make a transaction with confidence.

The system administrator center is provided with means for notifying the affiliated financial institution, the buyer and the seller of the transaction status via the open network, and displaying the transaction contents on the open network. The system management center collects the status of transactions from partner financial institutions, trading parties and trading markets involved in the transactions in a timely manner and displays them on an open network. Each party can check the status of the transaction through the Open Network as appropriate.

The system management center may have a dedicated communication line means for confirming the contents of the account of the partner financial institution, notifying, instructing, and making a request to the partner financial institution.
These can be performed according to the communication procedures of the National Bankers Association, or can be performed using a dedicated line. In any case, the information can be directly exchanged between the system management center and the partner financial institution, and the certainty can be improved. In other words, the system management center directly manages the deposit / withdrawal information with the affiliated financial institution, the notice, instruction, and request of deposit / withdrawal, thereby eliminating human error due to intentional or negligence.

The basis of the system of the present invention is that a third party first deposits the payment, thereby finalizing the payment and giving or receiving goods or providing a service. Select an account owned by the affiliated financial institution as the third party's deposit account and give credit to deposit and withdrawal management, and at this time, the partner financial institution uses one account for settlement, multiple transactions, continuous Ensure that the transfer destination account and transfer source account do not change during transactions. When the system administrator checks and notifies the transaction, the parties can complete the settlement even if the parties remain anonymous.

[0026]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, the present invention will be described based on embodiments. As shown in FIG. 1, the escrow payment system in the electronic commerce includes a system management center,
Consists of buyers, sellers and affiliated financial institutions. In practice, servers and information terminals owned by each are connected via a network. Servers and information terminals are central processing units,
An input device, a display device, an output device, a storage device, a database, a communication device, and the like are provided. The database of the system management center includes a deposit / withdrawal management DB, a billing information management DB, a payment / payment notification management DB, and a product delivery / receipt management D
B, a change cancellation management DB, a trader-specific transaction information DB, and the like. A partner financial institution has a deposit information management DB, a transfer information management DB, etc., and a transaction market has a transaction information management DB,
A contract information management DB and the like are placed.

The operation procedure of the system will be described with reference to FIG. First, a transaction is made between a buyer and a seller in a trading market. After the transaction contract is concluded (1), the buyer is charged by the seller for the transaction object (2). The buyer deposits the price of the transaction object into an account of the system affiliated financial institution owned by the affiliated financial institution (3).
The system management center checks the account information of the partner financial institution for the payment information of the partner financial institution, and confirms that the payment of the transaction object has been received (4).

The system management center, which has confirmed the payment, notifies the seller that the payment has been made and requests the delivery of the transaction object to the purchaser (5). The seller receives the notification of the payment and a request for delivery (6), and delivers the transaction object. If the transaction object is an article, the shipment / delivery of the article is arranged (7, 8). The purchaser who has received the transaction object notifies the system management center of the receipt of the transaction object (10) (9).

When the system management center receives the notice of receipt of the transaction object, it pays the partner financial institution the transaction object price to the seller and the system use fee to the system management center based on the purchaser payment fee. (11) and notify the seller of the payment (1)
3). Upon receiving a request from the system management center, the partner financial institution pays the seller a predetermined price and (1)
4) Pay a predetermined amount to the system management center.

The transfer of funds in the present system cannot be performed irrespective of the instruction of the system management center. However, the System Management Center informs the partner financial institution of information such as the name of the parties involved in the transaction, product price and commission,
The system management center has a function to check for out-of-contract activities.

The present escrow settlement system can also use firm banking. With the use of farm banking, there is the convenience that a buyer can deposit money into a predetermined account while staying there. The operation procedure when using farm banking is shown in FIG. Basically, it is the same as that shown in FIG.

A transaction is made between the seller and the buyer,
The money is paid from the buyer to the account of the partner financial institution through arm banking (1). The system management center confirms the payment (2, 3). After the payment is confirmed, the system management center requests the seller to deliver the transaction object (4). The seller delivers the transaction object to the buyer (5, 6). The buyer who has received the delivery notifies the system management center that the transaction object has been received. Upon receiving the notification, the system management center requests the affiliated financial institution to pay the price to the seller (8). The system management center notifies the seller that it has requested the affiliated financial institution to pay the seller (9). The seller who has received the payment notifies the system management center that the payment has been received (10).

The amount settled by the purchaser includes, in addition to the price of the transaction object itself, a delivery fee (distribution cost), an insurance fee, a fee for using the escrow settlement system, and a fee for using the transaction market when using the transaction market. Etc. are included. The partner financial institution pays the seller for the transaction object itself from the amount paid by the buyer. The distribution cost may be paid directly to the distribution company, or may be temporarily received by the system management center and paid by the system management center to the distribution company. The fee for using the escrow payment system is paid to the system management center. The usage fee of the trading market may be paid directly to the trading market, or may be temporarily received by the system management center and paid to the trading market.

The settlement price in the electronic commerce is once deposited in an account owned by the affiliated financial institution installed in the affiliated financial institution, and when the delivery of the transaction object is confirmed, the price is paid to the seller. This payment is made by the partner financial institution based on the support of the system management center. A contract is made between the partner financial institution and the system management center to operate and manage the account, and the system management center plays a central role in operating the payment.

Although the seller and the buyer can freely participate in the escrow settlement system, they are registered as members in advance. At the time of an actual transaction, it is possible to conduct a transaction with a real name, and it is also possible to conduct a transaction anonymously. That is, in e-commerce, purchase information such as product name, sales amount, delivery place, shipping date, price, delivery date, inspection period, and product name, sales amount, delivery place, shipping date, price, delivery date, inspection period Sales information such as, identification information of the seller or purchaser applied when participating in the trade transaction of the product name, and transaction recognition information that is given for each trade transaction of the product name and applied only to the trade ( Number). Based on the identification information of the seller or the buyer or the transaction recognition information, the seller and the buyer can be recognized and the payment can be made anonymously without displaying the real name.

The system management center is an affiliated financial institution,
Notify buyers and sellers of the status of transactions via open networks, and the System Management Center will promptly transfer money in accounts through notification, instructions and requests to partner financial institutions via electric banking and open networks. be able to. The System Management Center
Based on the details of the transaction, the buyer and seller are notified via the open network of payment confirmation, shipping request, and the like.

FIGS. 4 and 5 show an example of a screen for displaying the status of a deal closed. 4 is displayed on the display device of the system management center, and FIG. 5 is displayed on the display screen of the seller or the purchaser. On the display of the system management center, a contract lot number, a product name, a contract quantity, a unit price, a product price, a contract date, a seller name, a purchaser name, and the like are displayed.
In FIG. 6, the contract lot number, product name, contract quantity, unit price,
The product price and the contract date are displayed. There is a display column at the end of FIG. 4 or FIG. 5, and when this is clicked, a list of transactions is displayed.

FIG. 6 shows a list of transactions displayed on the display device of the system management center, and FIG. 6 shows a list of transaction status displayed to buyers or sellers. Some closed deals take a long time to deliver.
In such a case, the payment is settled every time the delivery is completed. The status of the transaction including such a status is indicated. Based on this transaction, a bill for the price can be created (FIG. 8). This content is also notified to buyers and sellers. Specifically, it is notified by e-mail or on a homepage. When using the escrow settlement system, buyers and sellers can access, for example, the homepage of the system management center on the Opun Network and perform the operations on this homepage.

When the system management center confirms the payment of the purchaser to the account of the affiliated financial institution, the confirmation can be made by the standard communication procedure of the Japan Bankers Association. Upon receiving the payment confirmation, the seller can request the merchandise to be shipped and confirm the receipt of the transaction object from the buyer via the open network. The system management center pays commissions to the trading market, delivery costs to the logistics companies, and pays the system management center fees to the system management center through the standard communication procedures of the Bankers Association of Japan.

When a purchaser who has purchased a product in the marketplace that does not match the contract is delivered, the purchaser can be canceled by notifying the intention of cancellation via an open network. At that time, the system management center instructs the partner financial institution to refund the money deposited in the account to the buyer. In this way, the buyer
The deposit can be collected.

[0041]

According to the escrow settlement system of the present invention,
1) Since sellers and buyers are paid and paid through accounts owned by financial institutions affiliated with the system management center, highly secure e-commerce without risk of unpaid due to bankruptcy is enabled. Procedures can be performed based on the identification information of the seller or / and the purchaser applied in the commercial transaction and the transaction recognition information (number) assigned to each commercial transaction and applied only to the commercial transaction. Therefore, sellers and buyers can anonymously settle payments. 3) It can prevent fraudulent acts such as spoofing and denial of receipt, and can actively engage in e-commerce with peace of mind. 4) Deposit and withdrawal confirmation, notification, and payment instructions with financial institutions are made based on the JBA standard communication procedures, and payment, notification, and confirmation with the transaction parties are made via the open network. With the features, such as crack.

For purchasers, 1) the opportunity for local companies to search for and procure products from all over the country increases. 2) If a defect or breach of contract is found at the time of delivery of the product, the fee will be refunded, so the advance payment can be made with confidence. 3) Smooth and quick transaction negotiations are possible. 4) It is possible to avoid fraudulent damage such as remittance but no delivery of goods.

For the seller, 1) a return operation is permitted if the sold product has a defect, etc., so that the purchaser is reassured. 2) The local company can sell the product nationwide and sell it. There is an advantage that the opportunity is increased and 3) even if the product is delivered first, the payment can be surely collected.

As an advantage of the trading market, that is, an inter-company trading site operating company, by employing the escrow payment system of the present invention as an official payment means, it is possible to actively promote trading using the site to trading market participants. Use can be encouraged.

[Brief description of the drawings]

FIG. 1 is a diagram showing a configuration of an escrow payment system of the present invention.

FIG. 2 is a diagram illustrating an escrow payment system of the present invention.

FIG. 3 is a diagram illustrating an escrow payment system of the present invention when using farm banking.

FIG. 4 is a diagram showing a contract status list displayed on the system management center;

FIG. 5 is a diagram showing a list of contract statuses displayed to buyers or sellers.

FIG. 6 is a diagram showing a transaction status list displayed on the system management center.

FIG. 7 is a diagram showing a list of transaction statuses displayed to buyers or sellers.

FIG. 8 is a diagram showing billing contents of a transaction;

Claims (10)

[Claims] 1. An escrow payment system for electronic commerce comprising a system management center, a buyer, a seller and a partner financial institution, wherein an electronic commerce is established between the seller and the buyer, and the buyer is After depositing the settlement price in the account owned by the affiliated financial institution, the system management center confirms that the settlement price has been deposited in the account owned by the affiliated financial institution; Means for requesting delivery to the buyer, means for receiving receipt confirmation of the transaction object from the buyer, and payment to the seller of the transaction object price to the partner financial institution and a system usage fee. Escrow settlement system in electronic commerce, comprising: means for requesting payment of a required fee to a system management center. 2. The escrow settlement system in electronic commerce according to claim 1, wherein the system management center includes means for allowing the purchaser and / or the seller to carry out electronic commerce anonymously. 3. A method in which a buyer or / and a seller performs anonymous means in order to participate in e-commerce.
3. An escrow payment system in electronic commerce according to claim 2, wherein the means uses transaction identification information (number) assigned to each commercial transaction and applied only to the commercial transaction. . 4. The system management center according to claim 1, wherein the means for confirming that the settlement price has been deposited into the account of the affiliated financial institution is a means performed through a standard communication procedure of the Japan Bankers Association or an open network. The escrow payment system in electronic commerce according to claim 1. 5. The means by which the system management center requests the affiliated financial institution to pay the seller of the transaction object to the seller and to pay the system management center the payment of the usage fee such as the system usage fee. 2. The escrow payment system in electronic commerce according to claim 1, wherein the escrow payment system is a means for performing through a standard communication procedure of an association or an open network. 6. A means for the system administrator center to request delivery of a transaction object to a buyer and a means for receiving receipt confirmation of the transaction object from the buyer through an open network. 2. The escrow settlement system in electronic commerce according to claim 1, wherein: 7. The system according to claim 1, wherein the system administrator center has means for notifying the partner financial institution, the buyer and the seller of the transaction status via an open network. Escrow payment system in e-commerce. 8. The escrow settlement in electronic commerce according to claim 1, wherein the system management center has means for displaying transaction contents on an open network. system. 9. When a transaction object that does not match the contract contents is delivered to the buyer, the system management center sends the cancellation notification from the buyer via the open network to the partner financial institution. 9. The electronic commerce according to claim 1, further comprising means for notifying the purchaser of a refund of the transaction object. Escrow payment system. 10. The system management center is provided with a dedicated communication line means for confirming the contents of an account of a partner financial institution, notifying, instructing, and making a request to the partner financial institution. An escrow settlement system in electronic commerce according to any one of claims 2, 4, 5, 5, 7, 8, and 9.