JPH09282367A - Purchase mediation system using network - Google Patents
Purchase mediation system using networkInfo
- Publication number
- JPH09282367A JPH09282367A JP8684196A JP8684196A JPH09282367A JP H09282367 A JPH09282367 A JP H09282367A JP 8684196 A JP8684196 A JP 8684196A JP 8684196 A JP8684196 A JP 8684196A JP H09282367 A JPH09282367 A JP H09282367A
- Authority
- JP
- Japan
- Prior art keywords
- purchase
- agent
- network
- product
- account
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
Landscapes
- Data Exchanges In Wide-Area Networks (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Cash Registers Or Receiving Machines (AREA)
Abstract
Description
【０００１】[0001]
【発明の属する技術分野】この発明は、ネットワークを
利用した購入斡旋システムに係り、特にネットワークを
利用して決済を図る方式に関する。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a purchase placement system using a network, and more particularly to a system for making payment using the network.
【０００２】[0002]
【従来の技術】従来から、購入斡旋業者である信販会社
等が会員となった消費者に加盟販売店で共通に使用でき
るカードを発行し、このカードを利用して会員が加盟販
売店から商品を購入するシステムがある。会員によって
商品が購入されると、加盟販売店は購入斡旋業者から商
品の代金を受取り、購入斡旋業者は会員からその商品代
金の支払いを受ける。2. Description of the Related Art Conventionally, credit brokers, etc. who are purchase agents issue cards that can be commonly used at member stores to members who are members, and members can use this card to sell products from member stores. There is a system to buy. When a member purchases a product, the member dealer receives the price of the product from the purchase agent, and the purchase agent receives the payment of the item from the member.
【０００３】このようなカードを利用することにより、
会員は現金を持たずに販売店で商品を購入することが可
能となり、このため現金を落としたり、盗まれる危険が
なくなると共に、購入した商品の代金支払いが一定期間
猶予されたり、分割払いが可能になり、簡便且つ安全に
決済を行うことができる。By using such a card,
Members will be able to purchase products at the store without having cash, which eliminates the risk of cash being stolen or being stolen, and payment for purchased products will be suspended for a certain period of time or installment payments will be possible. Therefore, it is possible to easily and safely make a payment.
【０００４】[0004]
【発明が解決しようとする課題】しかしながら、会員が
カードを紛失すると、カードによる商品購入ができなく
なるだけでなく、カードが他人の手に渡って不正使用さ
れ、自ら購入していない商品の代金を請求される虞れが
ある。However, if a member loses his / her card, not only will he / she not be able to purchase the product using the card, but the card will also be used illegally by another person, and the price of the product that he / she has not purchased will be paid. There is a risk of being charged.
【０００５】この発明はこのような問題点を解消するた
めになされたもので、カードを用いずに、ネットワーク
を利用して商品を購入すると共にその決済をも行うこと
ができる購入斡旋システムを提供することを目的とす
る。The present invention has been made in order to solve the above problems, and provides a purchase placement system capable of purchasing products and making payments by using a network without using a card. The purpose is to do.
【０００６】[0006]
【課題を解決するための手段】この発明に係る購入斡旋
システムは、会員に対して購入斡旋を行う購入斡旋業者
と、加盟販売店と、会員が口座を有する金融機関とを備
え、購入斡旋業者はネットワークを通じて会員にＩＤ番
号を連絡し、会員がネットワークを通じてＩＤ番号によ
り加盟販売店に商品の購入を申し込むと、加盟販売店か
らその連絡を受けた購入斡旋業者はネットワークを通じ
て会員に購入の意思を確認した後に加盟販売店に販売承
認を通知し、加盟販売店は会員に商品を提供し、金融機
関は購入斡旋業者から立替え払いのデータを受信して加
盟販売店の口座に立替え払いをすると共に購入斡旋業者
からの引落しデータに基づいて会員の口座から購入斡旋
業者の口座へ購入代金を引落すものである。A purchase placement system according to the present invention comprises a purchase placement agency that performs a purchase placement for members, a member dealer, and a financial institution in which the member has an account. Sends the ID number to the member through the network, and when the member requests the member store to purchase the product by the ID number through the network, the purchase agent who receives the contact from the member store confirms the intention to purchase the member through the network. After confirmation, the member retailer is notified of the sales approval, the member retailer provides the product to the member, and the financial institution receives the advance payment data from the purchase agent and makes the advance payment to the account of the member retailer. At the same time, the purchase price is withdrawn from the member's account to the purchase agent's account based on the withdrawal data from the purchase agent.
【０００７】消費者がネットワークを通じて入会を申し
込むと、購入斡旋業者は入会審査を行った後に、会員と
なった消費者に電子メールにより購入限度額とＩＤ番号
を連絡するようにすることができる。従来のカード発行
の代わりに会員にＩＤ番号が与えられる。[0007] When a consumer applies for membership through a network, the purchase agent can notify the consumer who has become a member of the purchase limit amount and the ID number by e-mail after performing the membership examination. Members are given ID numbers instead of the traditional card issuance.
【０００８】また、購入斡旋業者は、加盟販売店から会
員が商品の購入を申し込んだ旨の連絡を受けると、会員
のＩＤ番号に基づいて購入限度額に対する今回の商品購
入の審査を行った後に会員に電子メールにより購入意思
の確認を行い、これに応答して会員が購入斡旋業者に電
子メールにより購入の意思を通知するとよい。これによ
り、会員本人による購入であることが確実に確認され
る。[0008] Further, when the purchase agent receives a notification from the member store that the member has applied for the purchase of the product, after the purchase purchaser examines the purchase limit this time based on the member's ID number. The member may confirm the purchase intention by e-mail, and in response to this, the member may notify the purchase agent by e-mail of the purchase intention. This ensures that the purchase is made by the member himself.
【０００９】加盟販売店は購入斡旋業者からの販売承認
を受けて会員に商品を提供した後に購入斡旋業者に電子
メールにより販売データを送信し、購入斡旋業者は金融
機関に立替え払いのデータを送信すると共に会員に電子
メールにより商品代金の請求データを送信するようにす
ることができる。なお、加盟販売店としてはネットワー
ク上のバーチャルショップを対象とすることができる。The member dealer receives the sales approval from the purchase agent and provides the member with the product, and then sends the sales data to the purchase agent by e-mail, and the purchase agent sends the advance payment data to the financial institution. In addition to the transmission, the billing data for the product price can be transmitted to the member by electronic mail. It should be noted that the affiliated store can be a virtual shop on the network.
【００１０】[0010]
【発明の実施の形態】以下、この発明の実施の形態を添
付図面に基づいて説明する。図１〜図３はこの発明に係
る購入斡旋システムを示すもので、特に図１は消費者の
入会時における処理の流れ、図２は商品購入時における
処理の流れ、図３は代金決済時の処理の流れをそれぞれ
示している。Embodiments of the present invention will be described below with reference to the accompanying drawings. 1 to 3 show a purchase placement system according to the present invention. In particular, FIG. 1 shows a flow of processing when a consumer joins, FIG. 2 shows a flow of processing when a product is purchased, and FIG. The flow of processing is shown respectively.
【００１１】図１を参照して入会時の処理について説明
する。Ａは消費者Ｂが口座を有する銀行及び郵便局等の
金融機関、Ｃは加盟販売店としてネットワーク上に設置
されたバーチャルショップ、Ｄは購入斡旋業者を示して
いる。まず、ステップＳ１で消費者Ｂは自分の住所を添
えてネットワークを通じてバーチャルショップＣに入会
の申し込みを行うと、ステップＳ２でバーチャルショッ
プＣは消費者Ｂから入会申し込みがあった旨と消費者Ｂ
の住所をネットワークを通じて購入斡旋業者Ｄに転送す
る。購入斡旋業者Ｄは申し込みがあった消費者Ｂにステ
ップＳ３で申し込み用紙と口座振替依頼用紙とを郵送す
る。消費者Ｂは、申し込み用紙と口座振替依頼用紙に必
要事項を記入し、捺印した後、ステップＳ４でこれらの
用紙を購入斡旋業者Ｄへ郵送する。Processing upon joining will be described with reference to FIG. A is a financial institution such as a bank and a post office where the consumer B has an account, C is a virtual shop installed on the network as a member store, and D is a purchase agent. First, in step S1, the consumer B applies for membership to the virtual shop C through the network with his / her own address, and in step S2, the virtual shop C indicates that the consumer B has applied for membership and the consumer B.
Forwards his address to the purchase agent D through the network. The purchase agent D mails the application form and the account transfer request form to the consumer B who has applied for the application in step S3. The consumer B fills in the necessary information on the application form and the account transfer request form, stamps them, and then mails these forms to the purchase agent D in step S4.
【００１２】購入斡旋業者Ｄは、消費者Ｂによって記入
された申し込み用紙に基づいて消費者Ｂの信用調査、在
籍確認等の入会審査を行った後、ステップＳ５で口座振
替依頼用紙を金融機関Ａへ郵送すると共にステップＳ６
で消費者Ｂにネットワークを通じて電子メールにより購
入限度額とＩＤ番号とを連絡し、消費者Ｂから電子メー
ルにより本人確認の返信を受ける。この購入限度額とＩ
Ｄ番号の連絡により、消費者Ｂは会員Ｅとなる。なお、
入会審査の結果、入会を許可できない消費者Ｂについて
は、ステップＳ５における金融機関Ａへの口座振替依頼
用紙の郵送を中止し、ステップＳ６で電子メールにより
消費者Ｂに入会できない旨を連絡する。The purchase agent D conducts a credit check of the consumer B based on the application form filled in by the consumer B, conducts a membership examination such as confirmation of enrollment, and then sends an account transfer request form to the financial institution A in step S5. Mail to and step S6
Then, the consumer B is informed of the purchase limit amount and the ID number by e-mail through the network, and the reply of the identity confirmation is received from the consumer B by e-mail. This purchase limit and I
By contacting the D number, the consumer B becomes a member E. In addition,
As a result of the admission examination, for the consumer B who cannot be admitted, the mailing of the account transfer request form to the financial institution A in step S5 is stopped, and the fact that the consumer B cannot be enrolled is notified by email in step S6.
【００１３】次に、図２を参照して商品購入時の処理に
ついて説明する。ＩＤ番号を有する会員ＥがステップＳ
７でネットワークを通じてバーチャルショップＣに商品
の購入を申し込むと、ステップＳ８でその内容がバーチ
ャルショップＣから購入斡旋業者Ｄへネットワークを通
じて連絡される。購入斡旋業者Ｄは、会員ＥのＩＤ番号
に基づいて会員Ｅの購入限度額に対する今回の商品購入
の審査を行った上で、ステップＳ９において電子メール
により会員Ｅに購入意思の確認を行う。さらに、購入斡
旋業者Ｄは、ステップＳ１０で会員Ｅから電子メールに
より購入する意思がある旨の連絡を受けると、続くステ
ップＳ１１で電子メールによりバーチャルショップＣに
販売の承認を通知する。販売の承認を受けたバーチャル
ショップＣは、ステップＳ１２で会員Ｅに申し込みのあ
った商品を提供した後、ステップＳ１３で電子メールに
より購入斡旋業者Ｄに販売のデータを送信する。Next, the processing at the time of purchasing a product will be described with reference to FIG. Member E having an ID number performs step S
When the customer applies for the purchase of the product to the virtual shop C through the network in 7, the contents are notified from the virtual shop C to the purchase agent D through the network in step S8. The purchase agent D examines the current product purchase against the purchase limit amount of the member E based on the ID number of the member E, and then confirms the purchase intention to the member E by e-mail in step S9. Further, when the purchase agent D receives the e-mail from the member E indicating that he / she intends to make the purchase in step S10, the purchase agent D notifies the virtual shop C of the approval of the sale by e-mail in the subsequent step S11. The virtual shop C, which has been approved for sale, provides the item for which the member E has applied in step S12, and then transmits the sale data to the purchase agent D by electronic mail in step S13.
【００１４】なお、会員Ｅは、ステップＳ７で商品の購
入を申し込む際、あるいはステップＳ１０で購入意思を
連絡する際に、商品代金の支払い方法を選択することが
できる。また、ステップＳ１２におけるバーチャルショ
ップＣから会員Ｅへの商品の提供は、商品によっては郵
送されるが、例えばソフトウエアを商品として提供する
場合には、ネットワークを通じて提供することもでき
る。The member E can select the payment method of the product price when applying for the product purchase in step S7 or when notifying the purchase intention in step S10. In addition, the provision of the product from the virtual shop C to the member E in step S12 is mailed depending on the product, but, for example, when the software is provided as the product, it can be provided through the network.
【００１５】図３を参照して代金決済時の処理について
説明する。購入斡旋業者Ｄは、ステップＳ１４で金融機
関Ａに対し、オンライン振込により購入斡旋業者Ｄの口
座からバーチャルショップＣの口座へ商品代金の立替え
払いを行う旨のデータを送信し、このデータを受けて金
融機関ＡはステップＳ１５で購入斡旋業者Ｄの口座から
バーチャルショップＣの口座へ商品代金のオンライン振
込を行う。その後、購入斡旋業者Ｄは、ステップＳ１６
で会員Ｅに電子メールにより商品代金を請求する旨の請
求データを送信する。さらに、購入斡旋業者Ｄはステッ
プＳ１７で金融機関Ａに引落しデータを送り、金融機関
Ａは購入斡旋業者Ｄからの引落しデータに基づいて会員
Ｅの口座から購入斡旋業者Ｄの口座へ購入代金の引落し
を行った後、ステップＳ１８で引落し結果を購入斡旋業
者Ｄに連絡する。The process at the time of payment will be described with reference to FIG. In step S14, the purchase placement agent D transmits data to the financial institution A that the purchase placement agent D's account is paid in advance to the virtual shop C's account by online transfer, and receives this data. Then, in step S15, the financial institution A performs online transfer of the product price from the account of the purchase agent D to the account of the virtual shop C. After that, the purchasing agent D makes the step S16.
Then, the request data for requesting the product price is transmitted to the member E by e-mail. Further, the purchase agent D sends the debit data to the financial institution A in step S17, and the financial institution A sends the purchase price from the member E account to the account of the purchase agent D based on the debit data from the purchase agent D. After the withdrawal has been performed, the purchase withdrawal agent D is notified of the withdrawal result in step S18.
【００１６】なお、ステップＳ１７における引落しデー
タ及びステップＳ１８における引落し結果は、金融機関
Ａが銀行の場合には磁気テープを介して購入斡旋業者Ｄ
との間で受け渡しが行われるが、金融機関Ａが郵便局の
場合にはオンラインでデータの受け渡しを行うことがで
きる。また、ネットワークバンキングの進展に応じて、
ネットワーク上で口座振替、データの受け渡しを行うこ
とが可能となる。If the financial institution A is a bank, the withdrawal data in step S17 and the withdrawal result in step S18 are obtained through a magnetic tape and used by the purchase agent D.
However, if the financial institution A is a post office, the data can be delivered online. Also, as network banking progresses,
It is possible to transfer accounts and transfer data on the network.
【００１７】以上説明したように、この発明によれば、
カードを用いることなく、ネットワークを利用して入会
手続き、商品の購入、及び代金の決済を簡便且つ安全に
行うことが可能となる。従って、インターネットビジネ
スの発展に対応した商品購入斡旋システムが構築され
る。As described above, according to the present invention,
It becomes possible to easily and safely perform the enrollment procedure, the purchase of goods, and the payment of the price using the network without using a card. Therefore, a merchandise purchase placement system is constructed which corresponds to the development of the Internet business.
【００１８】なお、消費者Ｂがインターネットプロバイ
ダーに加入する際に、申し込み画面で併せてこの購入斡
旋システム入会の申し込みが行えるようにすることも可
能である。また、図１のステップＳ１では、消費者Ｂが
ネットワーク上のバーチャルショップＣへ入会の申し込
みを行ったが、購入斡旋業者Ｄへ直接入会申し込みを行
うこともできる。When the consumer B joins the Internet provider, it is also possible to make an application for joining the purchase placement system on the application screen. Further, in step S1 of FIG. 1, the consumer B has applied for membership to the virtual shop C on the network, but it is also possible to directly apply for membership to the purchase agent D.
【図１】この発明に係る購入斡旋システムにおける入会
時の処理の流れを示す図である。FIG. 1 is a diagram showing a flow of processing at the time of enrollment in a purchase placement system according to the present invention.
【図２】この発明に係る購入斡旋システムにおける商品
購入時の処理の流れを示す図である。FIG. 2 is a diagram showing a flow of processing when a product is purchased in the purchase placement system according to the present invention.
【図３】この発明に係る購入斡旋システムにおける代金
決済時の処理の流れを示す図である。FIG. 3 is a diagram showing a flow of processing at the time of payment settlement in the purchase placement system according to the present invention.
Ａ 金融機関 Ｂ 消費者 Ｃ バーチャルショップ Ｄ 購入斡旋業者 Ｅ 会員 A Financial institution B Consumer C Virtual shop D Purchase agent E Member
Claims (5)
者と、 加盟販売店と、 会員が口座を有する金融機関とを備え、購入斡旋業者は
ネットワークを通じて会員にＩＤ番号を連絡し、 会員がネットワークを通じてＩＤ番号により加盟販売店
に商品の購入を申し込むと、加盟販売店からその連絡を
受けた購入斡旋業者はネットワークを通じて会員に購入
の意思を確認した後に加盟販売店に販売承認を通知し、 加盟販売店は会員に商品を提供し、 金融機関は購入斡旋業者から立替え払いのデータを受信
して加盟販売店の口座に立替え払いをすると共に購入斡
旋業者からの引落しデータに基づいて会員の口座から購
入斡旋業者の口座へ購入代金を引落すことを特徴とする
ネットワークを利用した購入斡旋システム。1. A mediator for purchase, which conducts mediation for a member, a member store, and a financial institution to which the member has an account. The mediator for purchase informs the member of the ID number through the network, When you apply for a product purchase from a member store through an ID number through the network, the purchase agent who received the contact from the member store confirms the intention to purchase to the member through the network and then notifies the member store of the sales approval, The member retailer provides the product to the member, and the financial institution receives the advance payment data from the purchase agent and makes the advance payment to the account of the member dealer and based on the withdrawal data from the purchase agent. A purchase placement system using a network characterized by withdrawing the purchase price from the member's account to the account of the purchase placement company.
し込むと、購入斡旋業者は入会審査を行った後に、会員
となった消費者に電子メールにより購入限度額とＩＤ番
号を連絡することを特徴とする請求項１に記載のシステ
ム。2. The feature is that when a consumer applies for membership through a network, the purchase placement agent notifies the consumer who has become a member of the purchase limit amount and the ID number by e-mail after performing the membership examination. The system of claim 1.
込んだ旨の連絡を受けた購入斡旋業者は、会員のＩＤ番
号に基づいて購入限度額に対する今回の商品購入の審査
を行った後に会員に電子メールにより購入意思の確認を
行い、会員は購入斡旋業者に電子メールにより購入の意
思を通知することを特徴とする請求項２に記載のシステ
ム。[Claim 3] The purchase agent, which has been notified by the member store that the member has applied for the purchase of the product, the member of the purchase agent conducts a review of the purchase of the product this time against the purchase limit based on the member's ID number. The system according to claim 2, wherein the member confirms the purchase intention by electronic mail, and the member notifies the purchase agent of the purchase intention by electronic mail.
購入斡旋業者に電子メールにより販売データを送信し、
購入斡旋業者は金融機関に立替え払いのデータを送信す
ると共に会員に電子メールにより請求データを送信する
ことを特徴とする請求項１に記載のシステム。4. The member store sends the sales data to the purchase agent by e-mail after providing the product to the member,
The system according to claim 1, wherein the purchase agent sends the advance payment data to the financial institution and the billing data to the member by e-mail.
ルショップであることを特徴とする請求項１に記載のシ
ステム。5. The system according to claim 1, wherein the member store is a virtual shop on a network.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP8684196A JPH09282367A (en) | 1996-04-09 | 1996-04-09 | Purchase mediation system using network |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP8684196A JPH09282367A (en) | 1996-04-09 | 1996-04-09 | Purchase mediation system using network |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| JPH09282367A true JPH09282367A (en) | 1997-10-31 |
Family
ID=13898050
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP8684196A Pending JPH09282367A (en) | 1996-04-09 | 1996-04-09 | Purchase mediation system using network |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPH09282367A (en) |
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