JPH1153444A - Method and system for mail order using electronic cash - Google Patents

Abstract

PROBLEM TO BE SOLVED: To settle accounts between a purchaser and a vendor without any trouble by structuring a system which electronically confirms application for a purchase, the reception of an article, and the payment of money. SOLUTION: The purchaser sends an indication for purchasing an article directly to a vendor's computer 2 by using a computer 1. The purchaser sends electronic cash corresponding to the price to an electronic cash temporary consignor's computer 3. The vendor after confirming that the electronic cash has been consigned sends the requested article to the purchaser together with an article delivery slip. The purchaser having received the article prepares and sends an article receipt to the electronic cash temporary consignor and vendor. The electronic cash temporary consignor's computer 3 matches the article recepits received from the purchaser and vendor against each other and considers that the account settlement requirements are met when all the items match each other, thereby sending the electronic cash corresponding to the purchase price to the vendor's computer 2.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a mail order method and a system for mail order sales using electronic cash using a public network such as the Internet. In addition, the present invention relates to a mail-order method and system for allowing a buyer and a seller to exchange a product and a price for the product without any trouble.

[0002]

2. Description of the Related Art Conventionally, in a mail order system, a purchaser instructs a purchaser (purchased product) and informs the seller of the address and name of the purchaser using a telephone or a dedicated application form. I have. In response to this application, the seller entrusts the goods and payment notice to the deliverer and sends it to the buyer's home, and the buyer who receives the goods indicates the receipt on the receipt presented by the deliverer In many cases, a seal is stamped, and a payment request form is used to transfer money from a bank or post office to a financial institution designated by the seller. However, when the seller also serves as the delivery person, the seller may receive the price when delivering the article to the purchaser's house.

[0003] A method has also been adopted in which a buyer notifies his / her credit account number at the time of application and a seller obtains the price via a credit company.

[0004] As another means, the price of the goods that the purchaser wants to purchase is transferred in advance to a financial institution designated by the seller, and after the seller confirms the transfer, the goods are sent to the purchaser. In some cases.

[0005] These mail-order methods are based on the trust between the buyer and the seller. If the buyer does not pay for the goods even though he or she has obtained the goods, or if the seller only pays for the goods, There is a possibility that they will not get the goods and send them. Also, even if the delivery person exchanges goods and goods, returning the coupon exclusively for mail-order sales without returning cash at the time of return may adversely affect the purchaser. Further, it is possible to make a purchase application in the name of another person, and there is a possibility that both the seller and the buyer will be disadvantaged.

[0006]

In the current mail-order system, the application for purchase, the acceptance of goods, and the payment for the purchased goods are separately performed.
This involves problems such as non-payment of goods and non-delivery of goods as compared to face-to-face goods sales.

[0007] An object of the present invention is to presuppose that payment is made by electronic cash, to apply for purchase, to receive goods,
It is an object of the present invention to provide a mail-order method and a system capable of performing settlement between a buyer and a seller without any trouble by constructing a mechanism for electronically confirming payment of the price.

[0008]

In order to achieve the above object, a mail-order sales method using electronic cash according to the present invention basically provides an instruction to purchase a product from a purchaser's computer to the seller's computer. After the transmission, entrusting electronic cash corresponding to the price of the purchased product from the purchaser's computer to the electronic cash temporary consignor's computer,
Sending the receipt from the purchaser's computer to both the seller and the electronic cash consignor's computer in response to the seller's sending of the relevant product; and Transmitting the received receipt from the purchaser to the computer of the electronic cash consignor, and comparing the receipt received from the computer of the purchaser and the seller with the computer of the electronic cash temporary consignor; Transmitting electronic cash corresponding to the price of the product included in the receipt satisfying the settlement condition to the computer of the seller.

[0009]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a system configuration diagram showing an embodiment of a mail order system to which the present invention is applied. The mail order system according to this embodiment is roughly divided into a computer 4 for a purchaser, a computer 2 for a seller, and a server computer 3 for an electronic cash temporary consignor.
It consists of what was joined by. Buyer's computer 1
Is a terminal device 11 including a CPU 11A and a memory 11B, an article purchase program 12A, an electronic cash sending program 12B, an article receipt issuing program 12C, an article return notification program 12D, and an electronic cash return program 1
An external storage device 12 in which 2E is stored, a display device 13 for displaying information on articles obtained from the seller,
It is composed of an input device 14 for selecting an article and giving a purchase instruction and a communication port 15.

The computer 2 for the seller has a CPU 21A.
And a terminal device 21 comprising a memory 21B, an article information file 22A, a purchase acceptance information file 22B, an electronic cash receipt program 22C, and an article purchase acceptance program 22
D, an external storage device 22 in which an article return processing program 22E is stored, an input device 23 for inputting information such as an electronic cash consignment document, and a communication port 24.

The electronic cash temporary consignor server computer 3 comprises a terminal device 31 comprising a CPU 31A and a memory 31B, an external storage device 32 for storing electronic cash information 32A, and a communication port 33.

The outline of the mail order procedure in this mail order system is as follows. First, a purchaser uses the purchaser's computer 1 connected to a network 4 such as the Internet in order to apply for an article purchase. Similarly, the seller uses the seller's computer 2 connected to the network 4 to accept the purchase application. In addition, in transferring electronic cash between the buyer and the seller, it is necessary to confirm that the seller can receive the price of the goods, and to realize the payment of the price after the buyer receives the goods. For this purpose, the electronic cash temporary consignor uses the electronic cash temporary consignor computer 3 connected to the network 4 to mediate the transfer of the electronic cash between the purchaser and the seller. At this time, the data exchanged between the buyer, the seller, and the electronic cash temporary consignor is, of course, protected against eavesdropping and tampering by using encryption and signature. .

First, the purchaser uses the purchaser's computer 1 to send information provided by the seller to the network 4.
After accessing via the Internet and deciding an article to be purchased, an application for article purchase is transmitted to the computer 2 for a seller.

[0014] Upon receiving the purchase application, the seller sends the article ID, the price, and his / her own seller ID to the purchaser. The purchaser sends the electronic cash equal to the price of the article, the ID of the seller, and the purchaser ID to the computer 3 for the electronic cash temporary consignor. The electronic cash temporary consignor sends a receipt indicating that the electronic cash has been entrusted to the purchaser. The seller's and buyer's IDs here are the certificate authority (CA: Certificate)
Authority), or a certificate independently exchanged between the seller and the buyer.

The seller accesses the electronic cash temporary consignor computer 3 and confirms that the purchaser has entrusted the electronic cash corresponding to the price of the article for which he / she has applied for the purchase. Deliver to The delivery person obtains the electronic cash consignment issued by the temporary electronic cash consignor at the time of delivery of the article from the purchaser. The seller obtains the electronic cash by presenting the electronic cash consignment letter received by the delivery person to the electronic cash temporary consignor.

FIG. 2 shows a screen 20 displayed by the article purchase program 12A on the display device 13 of the purchaser's computer 1.
It shows an example of 0. The purchaser obtains information on various articles (commodities) sold by the seller from the seller by connecting the computer 1 to the seller computer 2 via the network 4 from his / her own computer 1. On the screen 200, as information of the article, a picture 201 of the article, a seller name 202, an article name 203, an article content 204, and a price 20 are displayed.
5, information such as the cooling-off period 206 is displayed.

After checking the contents of the article displayed on the screen 200, the purchaser determines the number of items to be purchased in the purchase number column 207.
Then, by pressing the application button 208, the purchase application is transmitted from the purchaser's computer 1 to the seller's computer 2. By pressing the cancel button 209, the application can be canceled. When the next button 210 is pressed, the information of the next article is displayed, and when the previous button 211 is pressed, the information of the article previously viewed is displayed. End button 21
When 2 is pressed, the ID, the total price, and the seller ID of the articles for which purchase has been applied are transmitted from the seller. The article ID sent here includes information on the cooling-off period.

In this screen 200, a method of making a purchase application on a product-by-product basis has been described. However, the product information is sequentially obtained from the seller using the input device 14, and the product to be purchased is selected from the list. Then, the method of making a purchase application may be applied.

FIG. 3 shows the movement of data flowing on the network 4 when transferring the electronic cash from the purchaser to the seller via the electronic cash temporary consignor.

First, the purchaser directly sends an article purchase instruction to the seller computer 2 using the computer 1 (step 301). On the other hand, the seller replies to the purchaser using the purchaser's computer 2 a purchase acceptance form in which the ID, price, and seller ID of each article are paired.
(Step 302). After confirming the price and the goods displayed on the display device 13, the purchaser transmits the electronic cash corresponding to the price to the electronic cash temporary consignor computer 3 together with the purchaser ID and the seller ID (step). 303), an electronic cash consignment is received from the electronic cash consignor (step 304). Thereafter, the purchaser enters the purchaser's computer 1
To send the electronic cash consignment to the seller computer 2 (step 305). The seller transmits the electronic cash consignment to the electronic cash temporary consignor computer 3 (step 306), and confirms that the electronic cash is entrusted to the electronic cash temporary consignor (step 30).
7), the article for which the purchase was applied is sent to the purchaser together with the article delivery note (step 308).

The purchaser who has received the article prepares an article receipt and sends it to the electronic cash temporary consignor (step 309). Also send the goods receipt to the seller
(Step 310).

Here, as a method of sending the goods receipt,
A method of using a computer 1 to convert an article receipt into data and sending it to the electronic cash temporary consignor computer 3 and the purchaser computer 2, and a method of sending an article receipt as a form via manual transmission such as mail. Can be considered,
Either method may be adopted. In the electronic cash temporary consignor computer 3, the goods receipt prepared by the purchaser is compared with the goods receipt received from the seller, and the product name, quantity, price, purchaser ID, seller ID, etc., match. It is determined whether or not the goods receipt is satisfied, and only those that match all are regarded as satisfying the settlement conditions. Therefore, it is more convenient to convert the article receipt into data and transmit it in the collation processing. In the case where the method of sending an article receipt as a form via manual mail or the like is adopted, two steps of reading the article receipt as a form into a computer and transmitting the same to a computer of the intended partner. Corresponds to one step of transmitting the article receipt. This is the same on the receiving side.

Next, after the cooling-off period has passed, the seller sends the article receipt received from the purchaser to the electronic cash temporary consignor (step 311). In this case, the article receipt is also converted into data and transmitted to the electronic cash temporary consignor computer 3, or the article receipt as a form is manually transmitted by mail or the like. May be taken.

The electronic cash temporary consignor computer 3
Check the goods receipt received from the buyer with the goods receipt received from the seller, and check whether the product name, quantity, price, purchaser ID, seller ID, etc., match, and they all match. Is handled as those satisfying the settlement conditions, and the electronic cash equivalent to the purchase price already entrusted is transmitted to the seller computer 2 (step 31).
2). Thus, the seller can obtain the electronic cash.

FIG. 4 shows the movement of data flowing on the network 4 when the buyer reclaims electronic cash during the cooling-off period. When the buyer reclaims the electronic cash during the cooling-off period, the buyer sends the article return notification to the electronic cash temporary consignor and the seller using the computer 1 during the cooling-off period (steps 401 and 402). Return the goods (Step 40)
3). When the seller receives the article, the seller sends the article return notification and the article return receipt to the electronic cash temporary consignor computer 3 using the computer 2 (step 404).
The article return receipt is transmitted to the purchaser's computer 1 (step 405). The purchaser who has received the article return receipt transmits this to the electronic cash temporary consignor computer 3 (step 406), and has the electronic cash entrusted by the buyer returned (step 407).

FIG. 5 shows an example of the format of the data of the purchase acceptance form transmitted from the seller's computer 2 to the purchaser's computer 1. The purchase receipt includes a reception ID 501, an article ID 5021, and an article price 5
022, a seller ID 5023 set 502, a total price 503, and a reception date 504 are included.

FIG. 6A shows an example of the format of purchase content data including electronic cash transmitted from the purchaser's computer 1 to the electronic cash temporary consignor's computer 3. The contents to be transmitted are the reception ID 601 of the purchase receipt, the purchaser ID 602, and the total item price 60.
3. Seller ID 604 and electronic cash 605. FIG.
Instead of the format of (a), as shown in FIG. 6B, the reception ID 611 of the purchase reception office, the purchaser ID 612,
Article ID 6131, Article Price 6132, Seller ID 61
By taking a format of a series of 33 sets 613 and an electronic cash 614, when the purchaser receives a part of the article for which the purchase has been applied, it is possible to cope with a partial withdrawal of the electronic cash. Sometimes.

FIG. 7 shows an example of the format of an electronic cash consignment document sent by a temporary electronic cash consignor to a purchaser. The electronic cash consignment form includes a consignment ID 701, a reception ID 702, a product ID 7031, a product price 7032, and a seller ID 7033 set 703, which are extracted from purchase content data sent to the electronic cash temporary consignor by the purchaser.
The total price 704 and the date 705 when the electronic cash was commissioned are included.

FIG. 8 shows an example of the format of an article delivery note which is passed on simultaneously when the seller sends the article to the purchaser. The article ID has a sending ID of 80
1, buyer ID 802, article ID 803, price 804,
A seller ID 805 and a sending date 806 are included.

FIG. 9 shows an example of the format of a receipt that the purchaser passes to the seller when receiving the article. The article receipt includes a delivery ID 901 of the article delivery note, a purchaser ID 902, an article ID 903, a price 904, a seller ID 905, and a receipt date 906.

FIG. 10 shows an example of the format of an article return notice sent to the electronic cash temporary consignor and the seller when the buyer returns the article to the seller during the cooling-off period. It is a thing. The letter of return of goods contains
Reception ID 1001, purchaser ID 1002 of purchase receipt,
Article ID 1003, price 1004, seller ID 100
5, a return date 1006 is included.

FIG. 11 shows an example of the format of an article return receipt sent to the electronic cash temporary consignor and the purchaser when the seller returns the article. The goods return receipt includes the receipt ID 110 in the purchase receipt.
1, buyer ID 1102, article ID 1103, price 11
04, seller ID 1105, and return receipt date 1106.

The operation of this embodiment will be described below with reference to a flowchart.

FIG. 12 is a flowchart showing the operation of the article purchase program 12A running on the purchaser's computer 1. When the article purchase program 12A is started, the article purchase program 12A is connected to the seller's computer 2 via the network 4 (step 1201), and the purchaser's ID is input (step 1202). After that, information (pictures, prices, contents, etc.) regarding the article is obtained from the seller computer 1 (step 1203) and displayed on the screen of the display device 13. Next, the contents of the button pressed by the purchaser are checked (step 1204), and if it is the “next” button 210, the processing is repeated from step 1203. Also, a “Previous” button 211
Is repeated from step 1203 in the same manner.

If the "application" button 208, the article name displayed on the screen and the number input by the purchaser are taken out and stored in the memory 11B (step 120).
5) Repeat from step 1203. If the number has not been entered, a window for instructing the user to enter the number is displayed on the screen to call attention. In the case of the “cancel” button 209, if the article displayed on the screen is in the memory area for storing the information for purchase, it is deleted therefrom (step 1206), and the processing is repeated from step 1203. If it is not stored, do nothing.
In the case of the “end” button 212, the purchaser ID first input by the purchaser, the article name stored in the memory area,
The number of purchases is transmitted to the seller computer 2 (step 1207), and the seller I is sent from the seller computer 2.
D, the article ID, and price information are obtained, stored in an external storage device (not shown), and the process ends (step 1208).

FIG. 13 is a flowchart showing the operation of the electronic cash sending program 12B running on the purchaser's computer 1. When the electronic cash sending program 12B is started, first, an input of a purchaser ID is received (step 1301), a purchase acceptance form stored in the external storage device 12 is read (step 1302), and a purchase check screen is displayed on the display device 13. It is displayed (step 1303). The purchaser checks the goods to be paid for among the purchase objects on the screen (step 1304), and inputs the electronic cash corresponding to the total price of the goods displayed on the screen (step 13).
05). Next, a set of the purchaser ID, the article ID of the checked article, the article price, the seller ID, and the electronic cash are transmitted to the electronic cash temporary consignor computer 3 (step 13).
06). In addition, for goods for which purchase has not been checked, the reception ID of the purchase receipt, the purchaser ID, the goods ID,
The seller ID is transmitted to the seller computer 2 (step 1307), and the purchase application is canceled.

Thereafter, after receiving the electronic cash consignment from the electronic cash temporary consignor computer 3 (step 1308), the electronic cash consignment is transmitted to the seller computer 2 (step 1309) and the process is terminated.

FIG. 14 is a flowchart showing the operation of the article receipt issuing program 12C running on the purchaser's computer 1. Goods receipt issuance program 12C
Is activated, an input of a purchaser ID is received (step 1401), and an article delivery note obtained from the seller is read (step 1402). Then, an article receipt is created from the article ID, price, seller ID and purchaser ID included in the article delivery note, and the date of receipt (step 1403).
The article receipt is sent to the electronic cash temporary consignor (step 1404), and further sent to the seller to end (step 1405).

FIG. 15 is a flowchart showing the operation of the article return notification program 12D running on the purchaser's computer 1. When the article return notification program 12D is started, first, an input of a purchaser ID is received (step 1501), and an article receipt previously sent to the seller is read (step 1502). Thereafter, an article return application screen is displayed on the display device 13 (step 1503), and an input of an article to be returned is accepted (step 1504). next,
From the buyer ID and the article ID, price, and seller ID included in the article receipt, create a list of article IDs to be returned, the total price, and seller ID, and add the return date to this,
An article return notice is created (step 1505). next,
Send the created article return notice to the electronic cash temporary consignor
(Step 1506) Next, the information is similarly sent to the seller and the processing is terminated (Step 1507).

FIG. 16 is a flowchart showing the operation of the electronic cash return program 12E running on the purchaser's computer 1. When the electronic cash return program 12E is started, first, an input of a purchaser ID is received (step 1601), and the electronic cash return program 12E is connected to the computer 3 of the electronic cash temporary consignor (step 1602). Next, an article return receipt is transmitted (step 1603), the corresponding electronic cash is received, and the process is terminated (step 1604).

FIG. 17 is a flowchart showing the operation of the article purchase acceptance program 22D operated by the seller computer 2. When the article purchase acceptance program 22D starts, it waits for a connection from the purchaser (step 1701).
After the connection, in accordance with a request from the purchaser's computer 1, information on the goods is extracted from the article information file stored in the external storage device 22, and the purchaser's computer 1
Is repeated (step 1702).

When the purchaser's ID, article name, and purchase quantity are received from the purchaser's computer 1 as a purchase application (step 1703), a purchase receipt is created by adding the reception ID, the total price, and the reception date and time. (Step 170
4), stored as purchase acceptance information in the external storage device 22
(Step 1705), after transmitting to the purchaser's computer 1 (Step 1706), repeat from Step 1701.

FIG. 18 is a flowchart showing the operation of the electronic cash receipt program 22C operated by the seller computer 2. When the electronic cash receipt program 22C starts, it waits for a connection from the purchaser (step 1801).
An article receipt is received (step 1802). If the cooling-off period has passed since the receipt date included in the goods receipt, the computer 3 is connected to the electronic cash temporary consignor computer 3.
(Step 1803), the article receipt is transmitted (Step 1804). Next, the electronic cash is received from the electronic cash temporary consignor computer 3 (step 1805), the purchase acceptance form stored in the external storage device 22 is deleted (step 1806), and the processing is repeated from step 1801.

FIG. 19 is a flowchart showing the operation of the article return receipt issuing program 22E operated by the seller computer 2. When the article return receipt issuance program 22E starts, it waits for a connection from the purchaser (step 1901) and receives an article return notice (step 19).
02). Then, check whether the difference between the date of receipt of the goods receipt and the date of return of the goods return notice is during the cooling-off period.
(Step 1903) If not during the period, a return rejection notification is transmitted to computers 1 and 3 of the purchaser and the electronic cash temporary consignor (step 1904), and the process is repeated from step 1901. During the cooling-off period, the return application is accepted by the purchaser and the electronic cash temporary consignor's computer 1,3.
(Step 1905), an article return receipt is created (step 1906), and information about the returned property is deleted from the purchase reception information (step 1907).

Next, the article return notice and the article return receipt are transmitted to the electronic cash temporary consignor computer 3 (step 1908). Finally, the article return receipt is transmitted to the purchaser's computer 1 (step 1909), and step 19 is executed.
Repeat from 01.

FIG. 20 shows an electronic cash consignment management program 32 running on the computer 3 for the electronic cash temporary consignor.
6 is a flowchart showing the operation of B. When the electronic cash entrustment management program 32B is started, first, it waits for a connection from the computer 1 or 3 of the purchaser or seller (step 20).
01). Next, it is confirmed whether or not the connection is from the purchaser's computer 1 (step 2002), and if not, the processing is continued from step 2501. In the case of connection from the purchaser's computer 1, it is confirmed whether or not electronic cash is entrusted (step 2003). If so, the processing is continued from step 2101. If it is not an electronic cash consignment, it is confirmed whether it is a notice of receipt of the goods (step 2004).
Processing is continued from 1. If it is not a notice of article receipt, it is confirmed whether it is a notice of article return (step 2005), and if so, the processing is continued from step 2301.

Next, if it is not a notice of return of the goods, it is confirmed whether or not the electronic cash is to be collected (step 2006), and if so, the processing is continued from step 2401. next,
If it is not the electronic cash collection, an error is transmitted to the purchaser's computer 1 (step 2007), and step 20 is executed.
Repeat from 01.

FIG. 21 is a flowchart showing the operation of the electronic cash entrustment management program 32B when the electronic cash entrustment is received from the purchaser. First, a purchase application reception ID, a purchaser ID, an article price, a seller ID, and electronic cash are received from the purchaser's computer 1 (step 21).
01). Next, an electronic cash consignment document is created by adding the consignment ID and the consignment date to the received information (step 2102) and transmitted to the purchaser's computer 1 (step 2103). And repeat from step 2001.

FIG. 22 is a flowchart showing the operation of the electronic cash entrustment management program 32B when a notice of article receipt is received from the purchaser's computer 1. First,
The article receipt is received (step 2201), and a flag indicating that payment is possible is set in the electronic cash information 32A (step 220).
2) Repeat from step 2001.

FIG. 23 is a flow chart showing the operation of the electronic cash entrustment management program 32B when receiving an article return notification from the purchaser's computer 1. If the article return notice is received (step 2301), a return flag is set for the corresponding article in the electronic cash information (step 2302), and the process is repeated from step 2001.

FIG. 24 is a flow chart showing the operation of the electronic cash entrustment management program 32B when receiving a notice of electronic cash collection from the purchaser's computer 1. First, if an article return receipt is received (step 2401), it is checked whether or not the corresponding article in the electronic cash information 32A has a return flag set (step 2402). An error is transmitted to the purchaser (step 2403), and the process is repeated from step 2001. If the flag is set, the electronic cash corresponding to the price of the returned article is transmitted to the purchaser's computer 1.
(Step 2404), the corresponding information is deleted from the electronic cash information 32A (Step 2405), and the processing is repeated from Step 2001.

FIG. 25 is a flowchart showing the operation of the electronic cash entrustment management program 32B when connected from the seller's computer 2. First, it is confirmed whether or not it is a cash consignment confirmation notice (step 2501). If so, the processing is continued from step 2601. If it is not a cash consignment confirmation notice, check if it is a notice of goods returned
(Step 2502), if so, step 2701
Continue processing from. If it is not a notification that the goods have been returned, it is checked whether it is a withdrawal of electronic cash (step 2503),
If so, the process is continued from step 2801. If it is not the withdrawal of the electronic cash, an error is transmitted to the seller computer 2 (step 2504), and
Repeat from 1.

FIG. 26 is a flowchart showing the operation of the electronic cash commission management program 32B when a cash commission confirmation notice is received from the seller computer 2. First, the electronic cash commission is received (step 2601), and it is confirmed whether or not there is electronic cash information 32A corresponding to the commission ID of the commission (step 2602). If there is, send a consignment confirmation notice to the computer for seller 2
(Step 2603), and repeat from Step 2001.
If not, a consignment non-confirmation notice is transmitted to the computer for seller 2 (step 2604), and the processing is repeated from step 2001.

FIG. 27 is a flow chart showing the operation of the electronic cash entrustment management program 32B when the notification of the return of the article is received from the seller computer 2. First, an article return notice and an article return receipt are received (step 2701). Then, it is confirmed whether or not the corresponding flag in the electronic cash information 32A has the returning flag set (step 2702). If the flag is set, the flag is changed to the returned flag (step 2703), and the process is repeated from step 2001. If the return-in-progress flag is not set, an error is transmitted to the computer for a seller 2 (step 2704), and the process is repeated from step 2001.

FIG. 28 is a flowchart showing the operation of the electronic cash entrustment management program 32B when the electronic cash withdrawal notification is received from the seller's computer 2. First, an article receipt is received (step 2801), and it is confirmed whether or not the corresponding article in the electronic cash information 32A has a returning flag set (step 2802). An error is transmitted to the user computer 2 (step 2803), and the process is repeated from step 2001. If the return-in-progress flag is not set, it is checked whether the cooling-off period has passed (step 2804). If not, an error is transmitted to the seller computer 2 (step 2803), and step 20 is executed.
Repeat from 01. If the cooling-off period has passed, the electronic cash of the article corresponding to the receipt is transmitted to the computer for a seller 2 (step 2805), and the information of the article corresponding to the receipt is deleted from the electronic cash information 32A (step 2805). Step 2806) and repeat from Step 2001.

It should be noted that the present invention is not limited to the above-described embodiment, and that the buyer, seller, and electronic cash consignor can efficiently and securely carry out mail-order sales when implementing the present invention. Needless to say, the details can be changed.

Various programs used in the computer for purchaser and the computer for seller are CDRO.
It can be configured to be distributed for free or for a fee through a storage medium such as M or a communication medium such as the Internet.

[0058]

As described above, according to the present invention, when an article and a corresponding price are exchanged between a seller and a purchaser by electronic cash, a computer for a third-party electronic cash temporary consignor is used. To be entrusted to
The seller confirms that the electronic cash equivalent to the purchase price has been entrusted, sends the product for which the purchase has been applied, and on the purchaser's side, temporarily accepts the receipt upon receiving the product. By sending the receipt to the computer for the seller and the computer for the seller, and the seller who received the receipt sends it to the computer for the temporary cash consignor, the seller was able to obtain the electronic cash equivalent to the purchase price Therefore, it is possible to prevent problems such as non-payment of the purchaser's item price and acquisition of the price without sending the seller's item, so that exchange of the price and the item can be performed without trouble in mail-order sales. Has the effect of becoming

Further, since the electronic cash is entrusted and the electronic cash is transmitted to the seller after the cooling-off period, the return of the electronic cash during the cooling-off period can be guaranteed, and the malicious seller can be returned. It is possible to eliminate the damage to the purchaser due to the above.

Further, by transmitting the article receipt to the electronic cash temporary consignor computer by the deliverer, it is possible to surely prevent fraud on the purchaser side such as not sending the article receipt despite receiving the goods. There are effects such as being able to.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram showing an embodiment of a mail order system using electronic cash according to the present invention.

FIG. 2 is a diagram showing an example of a display screen according to an article purchase program operated on a purchaser's computer.

FIG. 3 is a diagram showing a movement of data flowing on a network when transferring electronic cash from a purchaser to a seller via an electronic cash temporary consignor.

FIG. 4 is a diagram showing a movement of data flowing on a network when a purchaser reclaims electronic cash during a cooling-off period.

FIG. 5 is a diagram showing an example of a format of a purchase receipt sent by a seller to a purchaser.

FIG. 6 is a diagram showing an example of a format of electronic cash sent by a purchaser to an electronic cash temporary consignor.

FIG. 7 is a diagram showing an example of a format of an electronic cash consignment sent by a temporary electronic cash consignor to a purchaser.

FIG. 8 is a diagram showing an example of a format of an article delivery note which is passed simultaneously when a seller sends an article to a purchaser.

FIG. 9 is a diagram showing an example of a format of an article receipt to be delivered when a purchaser receives an article to a seller.

FIG. 10 is a diagram showing an example of a format of an article return notice sent to a temporary electronic cash consignor and a seller when a buyer returns an article to a seller during a cooling-off period.

FIG. 11 is a diagram showing an example of a format of an article return receipt sent to an electronic cash temporary consignor and a purchaser when a seller returns an article.

FIG. 12 is a flowchart showing the operation of an article purchase program running on a purchaser's computer.

FIG. 13 is a flowchart showing the operation of an electronic cash sending program running on a purchaser's computer.

FIG. 14 is a flowchart showing the operation of an article receipt issuance program running on a purchaser's computer.

FIG. 15 is a flowchart showing the operation of an article return notification program running on the purchaser's computer.

FIG. 16 is a flowchart showing the operation of an electronic cash return program running on a purchaser's computer.

FIG. 17 is a flowchart showing the operation of an article purchase application receiving program running on the seller's computer.

FIG. 18 is a flowchart showing the operation of an electronic cash receipt program operated on a computer for a seller.

FIG. 19 is a flowchart showing the operation of an article return receipt issuance program that operates on the seller's computer.

FIG. 20 is a flowchart showing the operation of an electronic cash entrustment management program running on a computer for a temporary electronic cash entrustor.

FIG. 21 is a flowchart illustrating an operation when the electronic cash entrustment management program receives an electronic cash entrustment from a purchaser.

FIG. 22 is a flowchart showing an operation when the electronic cash entrustment management program receives an article receipt notification from a purchaser.

FIG. 23 is a flowchart showing an operation when the electronic cash entrustment management program receives an article return notification from a purchaser.

FIG. 24 is a flowchart showing an operation when the electronic cash entrustment management program receives a notice of electronic cash withdrawal from a purchaser.

FIG. 25 is a flowchart showing an operation when the electronic cash entrustment management program is connected from a seller.

FIG. 26 is a flowchart showing an operation when the electronic cash commission management program receives a cash commission confirmation notice from a seller.

FIG. 27 is a flowchart showing an operation when the electronic cash entrustment management program receives a notice of return of an article from a seller.

FIG. 28 is a flowchart showing an operation when the electronic cash entrustment management program receives an electronic cash withdrawal notification from a seller.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 1 ... Computer for purchasers, 2 ... Computer for sellers, 3 ... Computer for temporary client of electronic cash, 4 ... Network, 11 ... Terminal device, 11A ... CPU, 12 ... External storage device, 12A ... Article purchase program, 12B ... Electronic cash sending program, 12C ... Article receipt issue program, 12D ... Article return notification program, 12E ... Electronic cash return program, 13 ... Display device, 14 ... Input device, 15 ... Communication port, 21 ... Terminal device, 21A ... CP
U, 22: external storage device, 22A: article information file,
22B: purchase acceptance information file, 22C: electronic cash receipt program, 22D: article purchase acceptance program, 22E
... Article return processing program, 23 ... Display device, 24 ... Input device, 25 ... Communication port, 31 ... Terminal device, 31A ...
CPU, 32: external storage device, 32A: electronic cash information,
32B: Electronic cash consignment management program, 33: Communication port.

Claims (6)

[Claims] A purchase instruction is transmitted from a purchaser's computer to a seller's computer using a network, and the purchaser's computer and the seller's computer are transmitted by electronic cash using an electronic cash. In a mail-order sales system in which payment is made between the buyer and the buyer, the purchaser sends a purchase instruction from the purchaser's computer to the seller's computer, and then the purchaser's computer sends the purchaser's price to the electronic cash temporary consignor's computer. Entrusting e-cash to the seller, and in response to the seller's sending of the goods, a receipt indicating that the buyer has received the goods from the buyer's computer to both the seller and the electronic cash consignor's computer And sending the receipt from the buyer received by the seller's computer to the electronic cash Sending to the computer and comparing the receipts received from the buyer and seller's computers with the computer of the electronic cash temporary consignor, and reimbursing the goods included in the receipts satisfying the predetermined settlement conditions. Transmitting a corresponding electronic cash to a seller's computer. 2. In response to an instruction to purchase a product from a purchaser's computer, electronic cash corresponding to the price of the purchased product is entrusted to the computer of the electronic cash consignor on the seller's computer before the sending procedure of the relevant product. 2. The method according to claim 1, further comprising the step of:
The mail order method by electronic cash as described. 3. A step of transmitting a receipt indicating that the purchaser has received the commodity from the purchaser's computer to both the seller and the computer of the electronic cash consignor, and selling the electronic cash equivalent to the price of the commodity. Instead of sending to the seller's computer, the receipt of the proof that the goods have been received is given to the deliverer of the goods, and the seller obtains the receipt obtained from the deliverer from the seller's computer. Transmitting to the computer of the electronic cash temporary consignor, and transmitting electronic cash equivalent to the price of the product included in the receipt from the computer of the electronic cash temporary consignor to the seller's computer. 3. The mail-order sales method using electronic cash according to claim 1 or 2, wherein 4. The computer of the electronic cash temporary consignor, in accordance with the receipt of the goods received from the seller's computer, until the period corresponding to the cooling-off period has elapsed since the purchaser's receipt of the goods, 4. The mail-order sales method using electronic cash according to claim 1, further comprising a step of suspending transmission. 5. The computer of the electronic cash temporary consignor, the buyer returns the purchased product to the seller during a period corresponding to the cooling-off period from the date of receipt of the product of the buyer, and the computer of the seller. The method according to any one of claims 1 to 4, further comprising the step of returning the electronic cash entrusted by the purchaser to the computer of the purchaser when receiving the article return notification from the purchaser. . 6. The purchaser's computer transmits a product purchase instruction to the product seller's computer using a network, and the purchaser's computer and the seller's computer are transferred by electronic cash using the electronic cash. In a mail-order system for settlement between, a computer used by the buyer, a computer managed by the seller, and a computer managed by the electronic cash consignor, the computer of the buyer, the computer of the seller After sending the product purchase instruction to the buyer, the buyer's computer sends electronic cash to the temporary electronic cash commissioner's computer to match the price of the purchased product. A receipt indicating that the purchaser has received the goods will be issued to both the seller and the electronic cash commissioner's computer. Means for transmitting, and means for transmitting the receipt from the purchaser received by the computer of the seller to the computer of the electronic cash consignor, the computer of the temporary electronic cash consignor, the computer of the purchaser and the seller Means for comparing the receipt received from the seller and transmitting electronic cash equivalent to the price of the product included in the receipt satisfying the predetermined settlement conditions to the seller's computer. By mail order system.