200405189 ⑴ 玖、發明說明 - 【發明所屬之技術領域】 本發明係有關用於進行由購買人對商品銷售人有訂貨 要求後之徵信處理，商品發送之確認，對購買人之貨款請 求以及對銷售人之付款處理之結賬仲介系統及結賬仲介方 法，具體地說，係有關將關於商品運輸之貨物追踪資訊， 與包含訂貨資訊等之交易資訊連結以提供順利而確實之商 品交易之結賬仲介系統及結賬仲介方法。 【先前技術】 在網際網路上進行之電子商用網路（net business ) 中不易指定交易對手及做信用判斷，所以時常發生商品之 交接或付款有關之麻煩。因此，最近有人相繼提出解決該 項麻煩並放心實施電子商業交易之「仲介業務」。 其中之一有所謂「仲介」（escrow )之服務。所謂「 仲介」係指一種保證商用網路（net business)上之安全 馨 性之仲介服務業，例如第6圖所示，仲介服務業者居於銷 售人與購買人之間由購買人保管購貨款項（①），對購買 人確認商品已配送（②），然後將購貨款項滙至銷售人（ ③）之服務。對於購買人，在未由銷售人收到商品，或送 - 來之商品與交易內容不同時，即可解決交易契約而由仲介 服業者接受退款。另外，對於銷售人，因爲可以確認購買 人已匯款至仲介服務業者才送貨，因此沒有無法取及貨款 之優點。 784 (2) (2)200405189 此外，還有人提出***結賬仲介服務，係由結賬仲 介業者居於銷售人與購買人之間，藉由***號碼之輸入 進行相互間之徵信處理以確保相互間之信用。例如，第7 圖所示，由購買人向銷售人（E C店舖）預訂商品（①） ，當購買人向銷售人（E C店舖）配送***資訊（②） 時，該***資訊即透過結賬服務伺服器傳送至***公 司（③）。***公司經過徵信處理後，透過結賬服務伺 服器將該徵信處理結果通知出銷人（E C店舖）（④）。 銷售人看到該通知認爲「可以付款」時，即對購買人發送 購買完成通知（⑤），而對購買人發送商品（⑥），同時 將該項交易之銷售請求資料傳輸至結賬服務伺服器（⑦） 。結賬服務伺服器將該銷售請求資料傳輸至***公司（ ⑧），以供來日***公司滙款至銷售人（E C店舖）所 指定之金融機構之戶頭，之作業方式者。 另外，還有運輸業者當做商品之運輸與收款之仲介， 於送達商品時，與其交換而當場收取貨款之服務業（例如 「大和收款服務」。在商用網路（net business)上顯然 很多人不喜歡***之收發信，因此，在現在開設之商用 網路現場（網上之電子商店（虛擬店舖）或電子商店街（ cybermall )等處，也有許多現場設計出可以由購買人選 擇以***結賬做爲結脹方法，以及類似「大和收款服務 」般之貨款交換結賬之系統。 【發明內容】 〔發明擬解決之問題〕 -6- 785 (3) (3)200405189 然而，在如上述之現行或已被提出之結賬仲介系統中 ，還存在許多問題。 例如，就上述之仲介而言，商品是否已送達之確認工 作全憑購買人之意志，因此，沒有方法確認商品之配送， 未配送之資訊之真實性。另外，仲介服務（escrow service)業者必須經過確認來自購買人之購貨貨款之滙入 ，對銷售人通知已滙入貨款，確認了該通知之銷售人進行 發貨，確認商品配送之完畢，然後購貨款項支付給銷售人 之手續，處理繁雜而費時，好好的商用網路之優點有喪失 之問題。 相對地，在&***結賬仲介服務〃之情形下，可以 當場進行徵信處理，並進行順利之商業交易。但是，反過 來說，具有下面問題。 △因爲由「在畫面上之購買操」到「徵信處理」，到 「發送商品」爲止之由訂貨到結賬付款爲止之交易資訊之 流程’以及由商品之捆綁到送達爲止之實際之商品物流之 流程互相缺乏連貫而分別進行，因此，與上述仲介相反， 而有商品未送達而向購買人請求貨款之可能性。 △在***結賬之情形下，因爲在***公司所指定 之曰期由購買人之戶頭扣除支付額，然後，在***公司 之曰期滙入銷售人之戶頭，所以對銷售人不但收賬之期間 拉長，每一***公司之進脹日與精算書不同，以致要將 欠款之預定匯入資料與撥入貨款資料核對以沖銷之、貨款 沖消處理〃有費時之問題。 -7- 766 (4) (4)200405189 △如選擇「***結賬」做爲結賬方法時，則被催促 輸入***資訊等徵信處理所必要之資訊，發送鈕一按下 ’即直接開始徵信處理，購買人有未能確認包含運費等商 品貨款以外之各項費用之結賬總額而直接完成徴信之不使 。另一方面，銷售人方面要在自己開設之網上之電子商店 構築訂貨時用於計算含有運費等之商品貨款以外之各種費 用之結脹總額之系統在系統開發能力及開發費用面來說實 屬極其困難。 △如與多家***公司訂約，則須在每一***公司 裝設徵信系統，除了徵信處理手續本身變爲複雜之外，費 用上將負擔甚重。 △在購買人一邊，即被徵信之一邊因爲***資訊等 之個人資料留在銷售人那邊，有個人資料被洩漏或冒用之 顧慮。 另外’在上述可由購買人選擇***結賬與貨款交換 結賬之商品交易現場，銷售人分別由多家***公司接到 付款明細表，會同時由進行貨款收回之運輸業者接到付款 明細表’因此’會計處理，尤其是進款沖消處理變得極爲 煩雜。 〔解決問題之方法〕 爲解決上述問題，本發明提供一結賬仲介系統，其係 可透過通信網路將外界系統之購買人系統及銷售人系統連 接之結賬仲介系統，其特徵具備： -8 - 76? (5) (5)200405189 由銷售人系統接收包含用於識別購買人系統之購買人 系統識別資訊’以及含有運費等商品貨款以外之各費用之 結脹總額資訊之訂貨資訊之功能。 由銷售人系統接到上述訂貨資訊時，即根據該訂貨資 訊中之購買人系統識別資訊對該購買人系統傳送開始徴信 處理之請求以及對結賬仲介系統之存取資訊之功能， 當有來自上述購買人系統之存取請求時，將儲存中之 交易資訊之中至少含有結賬總額資訊之訂貨資訊，以及對 ***資訊等徴信處理所必要之資訊要求傳送至購買人系 統之功能， 如由該購買人系統收到徵信處理所必要之資訊時，即 將該徵信處理所必要之資訊發送至徵信處理中心伺服器之 功能，以及 如由該徵信處理中心伺服器接到徵信處理結果時，即 自動地或回應要求，對購買人系統或銷售人系統或兩系統 發送該徵信處理結果之功能（申請專利範圍第1項）。 另在本說明書中，所謂「購買人系統」係指購買人一 邊所受理之電腦終端機或攜帶式終端機等之電腦系統，而 所謂「銷售人系統」係指銷售人一邊所受理之電腦終機或 攜帶式終端機等之電腦系統，而所謂「購買人系統識別資 訊」係指可用於識別電子郵件位址或攜帶式電話號碼等購 買人系統之識別資訊。 此種結賬仲介系統可以提供包含下列各步驟之結賬仲 介系統： -9- / 00 (6) (6)200405189 結賬仲介系統由銷售人系統接收包含購買人系統識別 資訊，以及運費等商品貨款以外之各種費用之結賬總額資 訊之訂貨資訊，並將其儲存做爲每一訂貨案件之交易資訊 之步驟’ 結賬仲介系統在上述步驟中收到訂貨資訊時，即根據 該訂貨資訊中之購買人系統識別資訊，對該購買系統發送 開始徵信處理之請求與對結賬仲介系統之存取資訊之步驟 結賬仲介系統如由上述購買人系統接到存取之請求時 ，即將儲存中之交易資訊之中至少含有結賬總額之訂貨資 訊’以及***資訊等徵信處理上所必要之資訊之要求發 送至購賈人之步驟， 結賬仲介系統如由該購買人系統收到徵信處理所必要 之資訊時，將該徵信處理所必要之資訊傳送至徵信處理中 心伺服器之步驟，以及 結賬仲介系統如由該徵信處理中心伺服器收到徵信處 理結果時，即自動地或回應要求，對購買人系統或銷售人 系統或兩系統傳送該徵信結果之步驟（申請專利範圍第5 項）。 在上述結賬仲介系統及結賬仲介方法中，如有來自購 買人系統之存取請求時，即可將儲存中之交易資訊之中至 少含有結賬資訊之訂貨資訊，以及購買確認之查詢或了解 開始徵信處理之查詢傳送至購買人系統，如由購買人收到 購買確認或了解開始徵信處理之旨時，即可將***資訊 -10- 769 (7) (7)200405189 等徵信處理所必要之資訊之請求發送至購買人系統（申請 — 專利範圍第2及第6項）。 利用上述之結賬仲介系統及結賬仲介方法，因爲可將 商品訂購系統（作業）與徵信系統（作業）分開，因此， — 銷售人可以在商品訂購之作業結束後，另行計算運費等商 品貨款以外之各種費用而對購買人提示包含該等費用之結 賬總額資訊，並根據購買人本身之意向確認購買意向或了 解了開始徵信處理及進行徵信處理。因此’即使系統開發 能力不足之中小企業也可以提供讓購買人放心進行商業交 易之徵信處理服務。而且，對於銷售人來說，不必在自己 之電子商店現場內組裝徵信處理之系統，即在利用多個信 用卡公司之***結賬時，也可以將徵信處理窗口與本結 賬仲介系統單純化，將系統與手續雙方簡易化。 另一方面，對於購買人來說，***資訊等之個人資 訊絕不會留存於購買人處，因此，可以放心利用***結 長。 · 本發明申請一種結賬仲介系統，其可透過通信網路連 接外界系統之購買人系統與銷售人系統，同時與用於收集 並儲存有關商品運輸之貨物追踪資訊之中至少集貨完畢資 ~ 訊或配送完畢資訊之貨物追踪資訊管理伺服器連接’其特 ' 徵具備： 由出售人系統接收含有用於識各訂貨案件之交易識別 資訊之訂貨資訊，並將其儲存爲各訂貨案件之交易資訊之 功會b ， -11 - (8) (8)200405189 對照所儲存之交易資訊與貨物追踪資訊管理伺服器所 儲存之集貨完畢資訊或配送完畢資訊之功能，以及 抽出對照之結果新集貨完畢或配送完畢之交易資訊， 針對所抽出之交易資訊，接著，自動地進行對銷售人之付 款處理及對購買人或委託由購買人收回商品貨款業務之公 司之請款處理之一之功能（申請專利範圍第3項）。 另外，在本說明書中所謂「集貨完畢資訊」係指運輸 業者由發貨人（本發明之銷售人）實際上保管貨物之要旨 之確認資訊。換言之，即爲確認運輸業者之運輸責任之開 始時間之資訊，例如，包括運輸業者（含宅配業者，以下 同）到發貨人處收集貨物而實際保管貨物之確確資訊，確 認發貨人將貨物寄存於被便利商店等之運輸業者委託接收 貨物之代銷商，且運輸業者確實將貨物寄存於該代銷商之 資訊，以及確認發貨人將貨物直接送進運輸業者之辦公室 ，且運輸業者確實將該貨物寄存之資訊之全部。另外，所 謂「配送完畢資訊」意指運輸業者已將貨物交付收貨人（ 本發明之購買人）之確認資訊。另外，「集貨完畢資訊或 配送完畢資訊」之表現法具有分別包含運輸業者由發貨人 (本發明之銷售人）寄存貨物到將該貨物配送至收貨人（ 本發明之購買人）爲止之各階段之完成之確認資訊之意圖 〇 此外，所謂委託由購買人收回商品貨款之業務之公司 當然係指***公司，並包含其他之仲介業者，以下簡稱 爲「貨款收回委託公司」。 -12- (9) (9)200405189 利用此種結賬仲介系統，可以提供包含下列步驟之結 賬方法： 在對銷售人進行貨款支付處理時，或對購買人或貨款 收回委託公司進行貨款請求處理時，結賬仲介系統由銷售 人接收含有用於識別各訂貨案件之交易識別資訊之訂貨資 訊，並將其儲存做爲每一訂貨案件之交易資訊之步驟， 結賬仲介系統對照儲存中之交易資訊以及貨物追踪資 訊管理伺服器所儲存之集貨完畢資訊或配送完畢資訊之步 驟， 結賬仲介系統抽出對照之結果新成之集貨完畢或配送 完畢之交易資訊，並針對被抽出之交易資訊，接著自動地 使購買人或貨"款收回委託公司進行貨款請求處理之步驟， 或結賬仲介系統抽出對照之結果新成之集貨完畢或配送完 畢之交易資訊，並針對被抽出之交易資訊接著自動地使進 行對銷售人支付貨款之處理之步驟（申請專利範圍第7及 9項）。 利用此種構造之結賬系統及結賬仲介方法，即可在由 貨物追踪資訊管理伺服器取及集貨完畢資訊或配送完畢資 訊之時間點確定銷售額，然後迅速進行「對銷售人之貨款 支付處理」及「對購買人或貨款收回委託公司之貨款請求 處理」，因此，可以消除商品未配送而請求貨款之問題。 另外，因爲係根據既非購買人亦非銷售人之第三者所確認 而輸入之客觀之集貨完畢資訊或配送完畢資訊以確定銷售 額，所以可以公平而正確地進行相互間之結賬處理。而且 -13- / / / (10) (10)200405189 如屬集貨完畢資訊’即可在商品被配送購買人處之前取得 ，可以在較早階段進行結賬處理。不但如此，也不需要像 從前以人爲方法進行配送完畢等之各運輸階段之完畢確認 ，故可以簡化各運輸階段之完成確認手續。 另外，本結賬仲介系統及本結賬仲介方法對貨款收回 委託公司請求貨款係由結賬仲介系統總括進行，所以縱使 銷售人利用多家貨款收回委託公司也不至於增加銷售人之 負擔。而且，本結賬仲介系統利用墊付方法，可在本結賬 仲介系統所規定之日期整批滙款給銷售人。藉此，可解除 每一貨款收回委託公司進款日期不同或精算書不同等之不 便，而可以大幅減輕銷售人一邊之會計處理，尤其是進款 沖消處理之麻煩。 另外，在上述結賬仲介系統及結賬仲介方法中，在對 照交易資訊與集貨完畢資訊或配送完畢資訊之前’結賬仲 介系統可由出售人系統接到至少發貨預定日與送貨單號碼 等之運輸貨物識別資訊之發貨預定資訊，以對儲存中之交 易資訊追加該發送預定資訊並更新之，然後對照追加有交 易資訊中之發貨預定資訊之交易資訊，貨物追踪資訊管理 伺服器所儲存之集貨完畢資訊或配送完畢資訊（申請專利 範圍第4，8及10項）。 如此一來，藉由對照發送預定資訊內之運送貨物識別 資訊與以運輸貨物識別資訊單位所管理之集貨完畢資訊或 配送完畢資訊，即可對照交易資訊與集貨完畢資訊或配送 完畢資訊。另外，不必對照交易資訊全部而僅對照追加有 -14- (11) (11)200405189 發送預定資訊之交易資訊即可，因而可減輕系統之負擔。 再者，在本說明書中，所謂「運輸貨物識別資訊」意 指例如送貨單號碼等可以識別每一運輸案件之資訊，所謂 「運輸」表示包括由集貨以至於搬運以及送達爲止之一連 串之物流作業。 另外’本發明提出一種結賬仲介方法，其可利用結賬 仲介系統仲介銷售人與多個購買人之間之結賬處理，並透 過結賬仲介系統對出售人進行貨款之墊付之外，對購買人 利用兩種以上之結賬方法選擇性地請求購買貨款，其特徵 具備下列步驟： 結賬仲介系統將利用一種之結賬方法之交易案件之支 付金額與每一銷售人連結之步驟， 結賬仲介系統將利用另一種結賬方法之交易案件之支 付金額與每一銷售人連結之步驟，以及 結賬仲介系統將在上述步驟中連結之支付金額再與每 一銷售人連結，並將利用一種結賬方法之支付金額與利用 另一種結賬方法之支付金額彙總而表示於支付明細之步驟 (申請專利範圍第1 1項）。 例如，有一部分之購買人透過結賬仲介系統利用由信 用卡公司請求購買貨款之***結賬，另一部分之購買人 則利用與商品交換以收回購貨款項之貨款交換結賬之結賬 仲介方法中，結賬仲介系統除了將利用***結賬之交易 案件之支付金額連結到每一銷售人之外’可將利用貨款交 換之交易案件之支付金額連結到每一銷售人，並將連結之 -15- (12) (12)200405189 兩個支付金額再連結到每一銷售人，再將利用***結賬 之支付金額與利用貨款交換結賬之支付金額彙總而表示於 支付明細中。 利用此種結賬仲介方法，即使銷售人在多個購買人之 間，依購買人之自由意志任意選擇***結賬或貨款交換 結賬等之不同結賬方法時，甚至依購買人之自由意志由多 家***公司選擇特定之***公司時，本發明之結賬仲 介系統也可以將所有結賬方法之支付金額彙總於每一銷售 人而顯示一支付明細中，因此，對於銷售人來說，不管結 賬方法如何，進款內容可一元化地管理，可以大幅減輕會 計處理，尤其是進款沖消處理之負擔。 此外，在上述結賬仲介方法中，要將支付金額連結至 每銷售人時，例如不拘結賬方法，藉由將用於識別銷售人 之號碼（以下簡稱「識別母號」）賦予每一交易案件，同 時設定成可在該識別母號賦予追加適當號碼而成之多個識 別子號，則即使賦有不同之識別子號之交易案件，也可以 連結具有共同之識別母號之所有交易案之支付金額（申請 專利範圍第1 2項）。 如此一來，即成爲可在識別母號賦予追‘加適當號碼而 成之多個藏別子號之設定，而可對同一*銷售人賦予多個識 別子號，例如，同一銷售人擁有業種不同之多所店舖之情 形下，結賬仲介系統可以對每一店舖賦予不同之識別子號 ，而且也可以識別母號爲鍵彙總每一店舖之支付金額而支 付給銷售人。再者，可以極其容易地進行識別母號與識別 -16- 775 (13) (13)200405189 子號之管理。 【實施方式】 以下要根據圖式說明本發明之實施形態。 #實施形態之結賬仲介系統爲購買人在訂購商品時選 擇***付款方法（亦即「***結賬」）時，用於居於 購買人’銷售人及***公司之間仲介，以順利與確實仲 介結賬處理之系統，其子系統包括購買意思確認系統，徵 信處理系統’貨物追踪資訊暨商品貨款請求系統以及貨物 追踪資訊暨商品貨款支付系統。 另外’本發明之結賬仲介系統之對象不拘商品之有形 ’無形，可以適用，於與貨款之請求與支付之所有商業交易 〇 第1圖爲表示用於實現結賬仲介系統1之系統組態之 一例之方塊圖。 如第1圖所示，結賬仲介系統1狹義上爲包含具備網 伺服器2，出售人資訊資料庫1 3，交易資訊資料庫1 4 ’以及商周系統伺服器1 5之商用系統3，以及***公 司連結系統4，廣義上爲另具備支付處理伺服器及貨物追 踪資訊管理伺服器6。 該結賬仲介系統1除了透過***公司連結系統4分 別與外界系統***公司管理系統7及徵信處理中心系統 8連接之外，還透過網際網路1 〇與銷售人系統Ί 1 ，購 買人系統1 2以及虛擬店舖管理伺服器1 6連接。 -17- (14) (14)200405189 另外，詳情容後敘述，惟上述支付處理伺服器5也與 管理與***結賬不同之結賬方法之貨款交換結賬之貨款 交換結賬系統2 〇相連接，而上述貨物追踪資訊管理伺服 器6與運輸業者營業所內之終端機21A及運輸業者之駕 駛員之攜帶式終端機2 1 B (該等總稱爲「運輸業者終端 機2 1」）等以有線或無線連接，並具有由該等運輸業者 終端機2 1定期或即時收集並儲存與管理之功能。 另外，上述各伺服器（2，5，6，15，16)， 上述各系統（3 ，4，7，8，1 1 ，1 2 )及各資料庫 (1 3 ’ 1 4 )之實體皆爲應用程式（軟體），係收容於 具有各程式之有效環境之一部或多部（含分佈式及負擔分 佈式）之電腦系統中。該等電腦系統含有CPU及RAM ，而其他之操作系統，通信介面，C T R等之顯示裝置， 鍵盤與滑鼠等之輸入裝置，印表機等之輸出裝置等隨著各 伺服器，各系統及各資料庫之功能而附加。 各伺服器間，各系統間及各伺服器，系統間之連接可 以利用專用線路，L A N或W A N等之電腦網路，或可以 進行無線等之資訊之收發之任意方法連接，至於資訊之收 發可以利用現在公知之密碼化技術（例如S S L等）。此 外，只要是本業者即可理解而不用說明，惟本結賬仲介系 統1內之適當部位可以任意附加火墙等之現今公知之安全 對策裝置。 另外，例如在網伺服器內配置銷售人資訊資料庫1 3 ，交易資訊資料庫1 4及商用系統伺服器1 5，亦即可以 -18- (15) (15)200405189 將商用系統3之功能與網伺服器2之功能彙合而配置於一 個伺服器內等，在本結賬仲介系統1中’各伺服器及各資 料庫要如何配置是可以任意設計變更者。 其次要說明本結賬仲介系統1所具有之功能實現方法 〇 本結賬仲介系統1具有用於下列A至P之功能之裝置 (參照第2圖及第3圖）。 此外，本結賬仲介系統1雖然具備「郵件確認方式」 與「鍵接鈕方式」（Link button method)做爲確認購買 人之購買意思之方法，惟首先要對前者之「郵件確認方式 」時之功能實現方法加以說明。 A ·透過網際網路1 〇接收由銷售人1丨送來之「訂 貨資訊」’並將該「訂貨資訊」與每一訂貨案件連貫而依 次儲存於交易資訊資料庫1 4以做爲「交易資訊記錄」之 功能。 此時’ 「訂貨資訊」宜包含例如，電子郵件位址等之 可識別購買人系統1 2之資訊（以下簡稱「購買人系統識 別資$」）’ 「商品名稱」含有運費等商品貨款以外之各 種費用之「結賬總額」，訂貨號碼等可識別各交易案件之 資訊（以下簡稱「交易識別資訊」）等。 力外，結賬總額中，除了商品貨款之外，可能包括捆 綁費，結賬佣金，運費，冷藏費，消費稅等。 B ·如由銷售系統丨i接到「訂貨資訊」時，即由該 口了 一貝」抽出「購買人系統識別資訊（例如電子郵件 -19- 77« (16) (16)200405189 位址）」，並透過網際網路1 0對該購買人系統識別資訊 之購買人系統1 2傳送「請求開始徵信處理之要旨之資訊 」以及「對本結賬仲介系統1之存取資訊」之功能。 C ·如由上述購買人系統1 2有「對本結賬仲介系統 1之存取請求」時，即由該存取請求等讀取購買人系統識 別資訊，並向交易資訊資料庫1 4查詢與該購買人系統識 別資訊相關聯之「交易資訊」，並透過網際網路1 0將由 相符之「交易資訊記錄」中所抽出之至少含有「結賬總額 」之「訂貨資訊」以及查詢購買意思之「購買意思查詢」 ，或查詢開始徵信處理之了解之「了解開始徵信處理之查 詢」傳送至該購買人系統1 2之功能。 ‘此時，「購買人意敢查詢」與「了解開始徵信處理之 查詢」只要傳送一方或雙方即可，例如，在網畫面內設置 按鍵時即出現附有被視爲確認購買意思或了解開始徵信處 理之意之說明句之「確認、實效鈕」，並可設定一按下該 「確認、實效鈕」即可存取「本結賬仲介系統1」。 D ·如由購買人系統1接收到「確認購買意思之資訊 」或「了解開始授信處理之資訊」時，即對該購買人系統 1 2透過網際網路1 〇發送要求輸入徵信處理所必要之資 訊之「要利用之***公司之種類，***號碼及有效期 限（以下總稱爲「***資訊」）之「***資訊輸入請 求資訊」之功能。 另外’也可以彙集上述C之功能與D之功能，與含有 「結賬總額」之1交易資訊」，以及「購買意思查詢」或 -20- (17) (17)200405189 「了解開始徵信查詢」與「***資訊輸入請求資訊」同 時傳輸。 E ·如由購貝人系統1 2收到「***資訊」時，與 該「***資訊」一起將「徵信處理之查詢」傳輸至徵信 處理中心系統8之功能。 F ·如由徵信處理中心系統8收到「徵信處理結果」 時’隨時將該「徵信處理結果」儲存於交易資訊資料庫 1 4 ’並在該交易案件之「交易資訊記錄」中追加更新「 徵信處理結果」之功能。 G .如由徵信處理中心系統8收到「徵信處理結果」 時’即將與該「徵信處理結果」有關之「購買人系統識別 資訊（例如電子郵件位址）」查詢交易資訊資料庫i 4， 並透過網際網路1 0對相符之購買人系統1 2傳輸「徵信 處理結果」之功能。 Η ·如由徵信處理中心系統8收到「徵信處理結果」 時’即將與該徵信結果有關聯之銷售人系統識別資訊（例 如電子郵件位址或行動電話號碼等）查詢銷售人資訊資料 庫1 3及交易資訊資料庫1 4，並透過網際網路1 〇將「 徵柄處理結果」或「徵信處理結果已出現」傳送至符合之 銷售人系統1 1之功能。 I ·依照伴隨著來自銷售人系統i i之「交易識別資 訊（訂貨號碼等）之要求，將與該「交易識別資訊」有關 之「交易資訊」查詢交易資訊資料庫1 4，並將相符之「 附有徵is處理結果之交易資訊」傳送到該銷售人系統1 -21 - 780 (18) (18)200405189 之功能。 J ·如由銷售人系統1 1收到「交易識別資訊，以及 至少含有「發貨預定日」與送貨單號碼等可逐件識別運輸 案件之「運輸貨物識別資訊」之資訊（以下簡稱「發貨預 定資訊」）」時，即隨時儲存於「交易資訊記錄」中，並 將交易識別資訊與運輸貨物識別資訊連貫之功能。 κ .將既非銷售人也非購買人之第3者（例如運輸業 者之駕駛員或辦事員等）所輸入之商品集貨完畢資訊（以 下稱「集貨完畢資訊」與送貨單號碼等之「運輸貨物識別 資訊」以貨物追踪資訊管理伺服器6隨時收訊，並將該「 集貨完畢資訊與「運輸貨物識別資訊」及其他之「含運輸 貨物識別資訊之貨·物：追踪資訊」連貫，.並以每一運輸案件 爲一記錄單位（各單位簡稱爲「貨物追踪資訊記錄」而隨 時儲存之功能。 L ·以送貨單號碼等之「運輸貨物識別資訊」爲鍵定 期或隨時對照交易資訊資料庫1 4中之「交易資訊」以及 上述貨物追踪資訊管理伺服器6中之「貨物追踪資訊」之 功能。此時，如以「貨物追踪資訊」與分批處理法，僅對 照追加有「發貨預定資訊」之「交易資訊記錄」時，即可 謀求對照作業（collating )之效率化並減輕系統之負擔。 Μ ·抽出經由上述對照作業而新成爲「集貨完睾」之 交易案件，並在與被抽出交易案件有關之交易資訊資料庫 1 4中之「交易資訊記錄」中追加「集貨完畢資訊」及更 新之功能。 -22- 781 (19) 200405189 N .抽出經由上述對照作 交易案件，針對交易案件，在 之時間點上視爲「銷貨確定」 訊」與交易資訊資料庫1 4對 訊」自動進行對***公司管 之功能。 〇.抽出經由上述對照作 交易案件，並針對交易案件， 照之時間點上視爲「銷貨確定 資訊」與交易資訊資料庫1 4 資訊」自動進行對銷售人之墊 〇 ‘ P .將利用***結賬之 銷售人連結，同時將利用貨款 金額與每一銷售人連結，將連 銷售人連結，並將利用*** 交換結賬之支付金額彙集而顯 另外，在「鏈接鈕方式」 與B之功能實現方法.只要具 詳情容後另行說明。 接著，再以更具體之實施 之子系統（snbsystem)之伺月 〇 網伺服器（Web server )： 業而所成爲「集貨完畢」之 被與「集貨完畢資訊」對照 ，將該交易案件之「交易資 照，並根據相符之「交易資 理伺服器7之銷貨請求處理 業而新成爲「集貨完畢」之 在被與「集貨完畢資訊」對 」，將該交易案件之「交易 對照，並根據相符之「交易 付處理（付款處理）之功能 交易案件之支付金額與每一 交換結賬之交易案件之支付 結之兩筆支付金額再與每一 結賬之支付金額與利用貨款 承於支付明細之功能。 之情形下，並不需要上述A 備上述C至P之功能即可。 例說明構成結賬仲介系統1 曼器及系統等之組態及功能 ί與網際網路連接（藉由 7S2 -23- (20) (20)200405189 Η T T P或S S L等之網際網路標準協約成爲可以通信） ’可以在網上開設「結賬現場」（首頁），並透過該「結 賬現場」與銷售人系統i i與購買人系統1 2進行資訊之 收發。另一方面，本結賬仲介系統1也分別與商用系統3 與***系公司聯合系統4連接，並充當本結賬仲介系統 1與銷售人系統1 1及購買人系統i 2之介面之功能。 糸口賬現場」係以超文件標不語百（Hyperfexl-mark up language，HTML )敘述，如第4圖所示，具有做爲網 頁之「銷售人用頁」與「購買人用頁」，該「銷售人用頁 」具有包含訂貨資訊之輸入欄之「訂貨資訊輸入頁」，表 不父易資訊及貨物追踪資訊之一覽表之「交易資訊確認頁 」，含有商品之發貨預定時日之輸入欄之.「發貨預定資訊 輸入頁」以及「支付精算資訊確認頁」，而「購買人用頁 」則具有含信甩卡資訊之輸入欄之「徵信處理請求頁」。 另外，「結張現場」之疋義形式並不限定於Η T M L 形式，可延伸加成語言（extensible markup language，XML )等之其他定義形式（語言）也可以採用。另外本實施形 態之「銷售人用頁」及「購買人用頁」係針對每—交易案 件而形成，但也可以依每一個人而形成。 網伺服器2具備用於實現下列所示（1 )至（8 )之 功能之裝置以做爲「郵件確認方式」之購買意思確認裝置 (參照第5圖）。 (1 )如由銷售人系統1 1收到經由網際網路1 〇發 送過來之「對結賬現場存取之請求（U R L )」時，即回 -24- 783 (21) (21)200405189 答以「請求銷售人識別資訊（例如銷售人識別號碼及通行 碼）之資訊」之功能。 此時，「訂貨資訊輸入頁畫面資訊」宜設定可顯示用 於催促在網頁（Web page)畫面內輸入必要之訂貨資訊之 「訂貨資訊輸入欄」。 另外，對「訂貨資訊輸入頁之存取請求」等之「網頁 之存取請求」通常係指定U R L而利用Η T M L文件傳輸 請求之形式送來，但是並非限定於此形式（對於下面的「 網頁傳輸請求」亦同）。此外，回應該請求而傳輸之「網 頁傳送請求」通信係以正文，圖表以及含有顯示控制及其 他功能之各種標籤（tag )之Η T M L文件送出，但並不 限定於該形式（對於下面的「網頁畫面資訊」亦同）。 (2 )如由銷售人系統1 1收到「銷售人識別資訊（ 例如銷售人識別號碼與通行碼）」時，即針對銷售人資訊 資料庫1 3與送來「銷售人識別資訊（例如銷售人識別號 碼及通行碼）」與儲存中之「銷售人識別資訊（例如銷售 人識別號碼與通行碼）相對照，如被認證，即將與該「銷 售人識別資訊」相關聯之「銷售人用頁畫面資訊」傳輸至 該銷售人系統之功能。 另外’在本實施形態中，對銷售人用頁之存取，首先 必須存取「結賬現場」，雖然設定無法存取「訂貨資訊輸 入頁」，「交易資訊確認頁」，「發貨預定資訊輸入資訊 頁」，「支付精算資訊確認頁」等之子頁（sub-page )， 惟亦可以設定成可以存取。 -25- (22) (22)200405189 (3 )如透過網際網路1 0收到由銷售人系統i送來 之「訂貨資訊’（包含訂貨日期，交易識別資訊（訂貨號 碼等），用於識別電子郵件位址等之購買人系統1 2之購 買人系統識別資訊，結賬總額（包含運費等之商品以外之 各種費用），以及其他視必要而具備之商品簡介與通信文 件等）」時，將該「訂貨資訊」傳輸至交易資訊資料庫 1 4之功能。 (4 )如透過網際網路1 0收到由銷售人系統χ丨送 來之「訂貨資訊」，即由該「訂貨資訊」抽出電子郵件位 址等之購買人系統識別資訊，並透過網際網路1 〇對該購 買人系統識別資訊傳送要求開始徵信處理之旨之「請求開 始徵信處理之資訊」以及結賬現場中之「對購買人用頁之 存取資訊（U R L )」之功能。 此時，「請求開始徵信處理之資訊」宜設定成以例如 電子郵件之形式傳送，「對購買人用頁之存取資訊」係將 該購買人用頁之U R L以鏈接鈕之形式埋入該電子郵件中 ，並且按下該鏈接鈕即可直接存取購買人用頁。具體地說 ，例如，可設定與問候句之同時附加「如蒙了解開始徵信 處理，即請按下「確認、實效鈕」」等之正文，俾使該「 確認、實效鈕」與購買人用頁鏈接。 (5 )如由購買人系統1 2收到「存取購買人用頁之 請求」時，即由該存取請求等抽出電子郵件位址等之購買 人系統識別資訊，將與該「購買人系統識別資訊」相關聯 之「交易資訊（店名，訂貨日期，交易識別資訊）（訂貨 7 C> Γ / 〇·〕 -26· (23) (23)200405189 號碼等）’結賬總額（含運費等商品貨款以外之各種費用 )’商品簡介及通信文件等」」於交易資訊資料庫1 4中 查詢’再由相符之「交易資訊記錄」中抽出特定之「訂貨 資訊（含訂貨日期，交易識別資訊）（訂貨號碼等），電 子郵件位址等之購買人系統識別資訊，結賬總額（含運費 等商品貨款以外之各種費用），商品簡介等」，並透過網 際網路1 0將該「訂貨資訊」與用於確認購買意思之「購 貿意思查詢資訊」或查詢了解開始徵信處理之「了解開始 徵信處理之查詢資訊」或其中之兩者傳輸至該購買人系統 1 2之功能。 此時，「購買意思查詢資訊」及「了解開始徵信處理 之查詢資訊,」：可設定將「交易資訊,」顯示於:例如徵信處理 請求頁畫面中，同時顯示「對於上述訂貨內容，若蒙了解 購買及開始徵信處理時，請按「確認、實效鈕」等之正文 ’除了使該「確認、實效鈕」與後述「***資訊輸入頁 」鏈接之外，並可將該「確認、實效鈕」之按下視爲「購 賣意思確」或「了解開始徵信處理」之回應。 (6 )如由購買人系統1 2收到含有「購買意思確認 」或「了解開始徵信處理」之旨的資訊，即透過網際網路 1 0將請求輸入***資訊之「輸入***資訊之請求資 訊」傳送至該購買人系統1 2之功能。 此時，「輸入***資訊之請求資訊」可做爲在購買 人用頁之第2頁之***資訊輸入頁之畫面中，用於表示 催促「***資訊」之輸入之「***資訊輸入欄」與「 -27· (24) (24)200405189 確認、實效鈕」的內容之資訊。 此外’徵信處理請求頁畫面也可以與***資訊輸入 頁彙集成一頁。那種情形下，只要例如在同一畫面內可顯 示「交易資訊」，「***資訊輸入欄」以及「確實、實 效鈕」即可。 (7 )如經由網際網路1 0由購買人系統i 2收到「 ***資訊」時，即將該「***資訊」與電子郵件位址 #之「購貝人系統識別資訊」及訂貨號碼等之「交易識別 資訊」傳輸至***公司聯合系統4，並通過網際網路 1 0由***公司聯合系統4送來之「徵信處理結果」傳 送至與上述「購買人系統識別資訊」相關之購買人系統 1 2之功能。、 此時’宜在「***資訊輸入頁」之畫面內顯示「徵 信處理請求頁」，並在購買人輸入***資訊之後等待一 會即能顯不「徵信處理結果」。 此外，利用「鏈接鈕方式」之購買意思確認裝置中並 不需要上述（1 )至（4 )之功能實現裝置。亦即，在利 用「鏈接鈕方式」之購入意思確認裝置之情形下，藉由設 置於例如網上之虛擬店舖之畫面內設置與「徵信處理請求 頁」鏈接之「***結賬鈕」，即可突然間接受來自上述 ⑤之購買人系統1 2之「對購買人用頁之存取請求」，接 著’只要具備與「郵件確認方式」之情形_樣之功能實現 裝置即可。 網路伺服器2具有用於實現下面所示第（8 )項之功 -28- (25) (25)200405189 能之裝置。 (8 )如透過網際網路1 〇由銷售人系統1 1收到傳 送過來之「對交易資訊確認頁之存取請求（u R L )」與 「交易識別資訊（訂貨號碼等）」時，即交易資訊資料庫 1 4查詢與該「交易識別資訊」有關聯之「交易資訊」， 並將被抽出之「交易資訊」與銷售人用頁畫面資訊」一起 傳送至銷售人系統1 1之功能。 此時，如已經出現徵信處理之結果，即可以在上述「 交易資訊」中附加「徵信處理之結果」。 網伺服器2也具有用於實現下列所示第（9 )至（ 1 0 )項之功能之裝置（參照第5圖）。 (9 )如透過網際網路1 1收到由銷售人系統1 1傳 送過來之「對發貨預定資訊輸入頁之存取請求（U R L ) 」時，即對該銷售人系統1 1傳送「發貨預定資訊輸入頁 畫面資訊」之功能。 此時，在發貨預定資訊輸入頁畫面中，可以設計成從 追加有徵信處理結果之交易資訊中，僅抽出尙未輸入發貨 預定資訊之交易資訊記錄顯示一覽表。 (1 0 )而如由銷售人系統1 1收到「發貨預定資訊 」（含發貨日期與送貨單號碼等之運輸貨物識別資訊）與 「交易識別資訊（訂貨號碼等）」時，即將該等「交易識 別資訊」與「發貨預定資訊」傳送至交易資訊資料庫1 4 之功能。 網伺服器2另具備用於實現下列所示第（1 1 )與（ -29- (26) (26)200405189 1 2 )之功能之裝置。 (1 1 )如由銷售人系統1 1收到透過網際網路1 〇 傳送過來之「對支付精算資訊確認頁之存取請求（U R L )」時，即將「支付精算資訊確認頁畫面資訊」與「催促 登入交易識別資訊之資訊」一起傳送至該銷售人系統i i 之功能。 (1 2 )而如由銷售人系統1 1收到「交易識別資訊 」之回應時，即在支付處理伺服器5查詢與「交易識別資 訊」相關聯之「結賬資訊」並將抽出之「結賬資訊」與「 支付精算資訊確認頁畫面資訊」一起傳送至該銷售人系統 1 1之功會g。 此時，支付精算資訊確認頁畫也可以設計成可以確認 曰後以硬拷貝送出之支付精算書之訊息。 其次，要具體說明商用系統3之組態與功能。 商用系統3具備銷售人資訊資料庫1 3 ，交易資訊資 料庫1 4與商用系統伺服器1 5。 銷售人資訊資料庫1 3具備D B M S (資料庫管理系 統），係將銷售人資訊儲存於資料庫中俾將每一銷售人做 成一記錄單位’具備依次進行資訊之檢索，檢索結果之提 供’訂正與變更之功能。例如，將用於在本系統內識別銷 售人之「銷售人識別號碼」，***公司聯合系統4用於 識別該系統上之銷售人之「終端機識別號碼」，電子郵件 位址等之銷售人系統識別資訊，各***公司在精算上用 於識別銷售人而賦予之「加盟店號碼」，商號，通行碼， -30- 789 (27) (27)200405189 手續費表與所利用之***公司等與上述「銷售人識別號 碼」連貫而儲存，設計上，可由「銷售人識別號碼」，甚 至與「銷售人識別號碼」相關連之「終端機識別號碼」及 F加盟店號碼」容易地檢索目標銷售人資訊。 在此，上述之「銷售人識別號碼」係以「銷售人識別 母號」+「特定位數之適當號碼」（又稱爲「銷售人識別 子號」）之編號體系所構成。亦即，構造上，可對每一銷 售人賦予「銷售人識別母號」，同時對相同銷售人賦予多 個「銷售人識別子號」。藉由設成此種編號體系，在相同 銷售人經營不同業種之店舖時，可以分別對每一店舖賦予 「終端機識別號碼」及「加盟店號碼」。而且，由「銷售 人:識別子號」容易抽。出「齡售人識別母號」，例如，縱使 爲被賦予不同的「銷售人識別號碼」（銷售人識別子號） 」之交易資訊，銷售額請求資訊及支付精算資訊等’也可 以「銷售人識別子號」爲鍵’換言之’即依每一銷售人容 易地連結與彙總。 再者，「銷售人識別母號」被賦予與貨款交換系統 2 0所賦予銷售人之號碼相同之號碼’而可以將貨款交換 結賬系統2 0所管理之資訊（例如交易資訊’支付資訊等 )與本***結賬仲介系統1所管理之資訊（例如交易資 訊，支付資訊等），以「銷售人識別號碼」爲鍵連結到每 一銷售人而加以彙總。 交易資訊資料庫1 4具有D B M S (資料庫管理系統 )，係將交易資訊儲存成資料庫俾以每一交易案件（換言 -31 - (28) (28)200405189 之，爲每一訂貨號碼）作爲一個記錄單位，並具有依次進 行資訊之檢索’檢索結果之提供以及訂正與變更之功能。 例如’將銷售人識別資訊，電子郵件位址等之購買人系統 識別資訊，訂貨日期，訂貨號碼，結賬金額，商品簡介， 徵信處理結果（含徵信承認號碼之徵信承認資訊（徵信結 果爲「可」之意的資訊）或徵信不良資訊（徵信結果爲「 否」之意的資訊））’發貨預定資訊（含送貨單號碼，發 貨曰期與通信文件），集貨完畢資訊，銷售額請求資訊， 支付精算資訊等之交易資訊分別與每一交易案件連貫儲存 ’設計上，可由購買人系統識別資訊，訂貨號碼，徵信承 認號碼，送貨單號碼等之任一交易識別碼來檢索。 商用系統伺服器1 5具有網應用伺服器之功能，並具 備做爲商用系統3內外之介面之功能實現裝置，具體地說 ’其具備用於實現下列所示第（1 3 )至（2 1 )項之功 能的裝置（參照第5圖）。 (1 3 )如收到網伺服器2送來之「訂貨資訊」（含 訂貨日期’交易識別資訊（訂貨號碼等），購買人電子郵 #位址’結賬金額，其他視需要之商品簡介及通信文件等 )」時，即將該「訂貨資訊」與交易資訊資料庫1 4中每 一交易案件連貫而隨時儲存爲一交易資訊記錄之功能。 (1 4 )如收到由網伺服器2送來之「交易資訊之查 詢（檢索請求）」與購買人電子郵件位址等之「購買人系 統識別資訊」時，即在交易資訊資料庫1 4中檢索與該「 購買人系統識別資訊」相關聯之「交易資訊」，並由抽出 -32- (29) (29)200405189 之「交易資訊記錄」中之特定「交易資訊」回信給網伺服 器2之功能。 (1 5 )將***公司聯合系統4送來之「徵信處理 結果資訊（含徵信承認號碼之徵信承認資訊或徵信不良資 訊）」傳送至交易資訊資料庫1 4，並在與該交易識別資 訊（訂貨號碼等）相關聯之「交易資訊記錄」追加更新「 徵信處理結果資訊」以聯接訂貨號碼等之交易識別資訊與 徵信承認號碼之功能。 (1 6 )收到***公司聯合系統4送來之「徵信處 理結果資訊」，並根據該交易識別資訊（訂貨號碼等）在 交易資訊資料庫1 4及銷售人資訊資料庫1 3檢索銷售人 系統1 1之電子郵件位址，並透過網際.網路1 〇對相符之 銷售系統1 1傳送「徵信處理通知郵件（含交易識別資訊 與徵信處理結果出爐之意之信件）之功能。 具體地說，設計上可以於如接到***公司聯合系統 4送來之「徵信處理結果」時，即在交易資訊資料庫Ί 4 Μ $與該交易識別資訊（訂貨號碼等）相關之銷售人識別 資訊（例如銷售人識別號碼等），並在銷售人資訊資料庫 1 3檢索與該銷售人識別資訊有關之銷售人系統丨1之電 子* 件位址，並透過網際網路i 〇對相符之銷售人系統 1 1傳送「徵信處理通知信件」。另外也可以設計成在銷 胃A資訊資料庫1 3儲存銷售人系統1 1之電子郵件位址 ’ i @據交易識別資訊在銷售人資訊資料庫1 3直接檢索 銷售人系統1 1之電子郵件位址。 -33- (30) (30)200405189 (1 7 )如由網伺服器2收到送來之「交易識別資訊 (訂貨號碼等）」與「發送預定資訊（含發貨日期與送貨 單號碼等之運輸貨物識別資訊）」時，即將該「發貨預定 資訊」傳送至交易資訊資料庫1 4，並將「發貨預定資訊 」追加更新於與該交易識別資訊相關之「交易資訊記錄」 中，並將訂貨號碼等之「交易識別資訊」與送貨單號碼等 之「運輸貨物識別資訊」連貫，同時將該「交易資訊記錄 」設成「等待集貨確認」之狀態之功能。 (1 8 )收到由網伺服器2送來之「發貨預定資訊」 與「交易識別資訊」，而依據該交易識別資訊，在交易資 料庫1 4中查詢購買人系統1 2之購買人系統識別資訊（ 例如電子郵件位址）‘，.並'透過網際網路1 0 .對相符之購賀 人系統1 2傳送「發貨通知信件」之功能。 此時，宜在「發貨通知信件」中埋設送貨單號碼等之 運輸貨物識別資訊與貨物追踪資訊管理伺服器6所開設之 「對購買人別貨物追踪現場」之存取資訊（U R L )，如 收到「發貨通知信件」之購買人按下該存取資訊部分時， 即跳躍至「購買人別貨物追踪現場」而能即席確認寄給本 人之貨物之運輸狀態。 (1 9 )隨時或在每一特定時間，對貨物追踪資訊管 理伺服器6傳送「運輸狀態之查詢請求」，以送貨單號碼 等之「運輸貨物識別資訊」爲鍵，利用分批處理法對照交 易資訊資料庫1 4中之「交易資訊」（最好僅用「等待集 貨確認」之狀態之父易資訊記錄），以及貨物追踪資訊管 -34- (31) (31)200405189 理伺服器6內之「貨物追踪資訊」（最好僅用新成爲「集 貨完畢」之貨物追踪資訊記錄），抽新成爲「集貨完畢」 之交易案件，並對交易資訊資料庫1 4中’與該被抽出之 交易案件相關聯之「交易資訊記錄」中追加更新「集貨完 畢資訊（含其意旨及集貨時日）」俾將該「交易資訊記錄 」設成「銷貨額確定」之狀態之功能。 (2 0 ，2 1 )抽出在上述對照作業（collating)中 新成爲「集貨完畢」之交易案件，並將該被抽出之交易案 件視爲「銷貨額確定」，而自動地將該交易案件之交易資 訊之一部分之「支付精算資訊」與該「交易識別資訊」傳 送至支付處理伺服器5，同時將該交易案件之交易資訊之 一部分之「銷貨額請求資訊與該「交易識別資訊」傳送 至***公司聯合系統4之功能。 ***公司聯合系統4具有實現下列所示第（2 2 ) 至（2 5 )項之功能之裝置。 (2 2 )如由網伺服器2收到「***資訊」，電子 郵件位址等之「購買人系統識別資訊」與「交易識別資訊 (訂貨號碼等）」等時，即將該「***資訊傳送至徵信 處理中心系統8之功能，以及由徵信處理中心系統8接收 「徵信處理結果資訊（含有徵信承認號碼之徵信承認資訊 或徵信不良資訊）」之功能。 (2 3 )如由徵信處理中心系統8收到「徵信處理結 果資訊」時，即連同「交易識別資訊（訂貨號碼等）」， 將「徵信處理結果資訊」傳送至商用系統3之功能。 -35- (32) (32)200405189 (2 4 )如由徵信處理中心系統8收到「徵信處理結 果資訊」，即將「徵信處理完畢信件（完成徵信處理之意 的資訊）」傳送至上述購買人系統1 2之功能。 (2 5 )如由商用系統伺服器1 5收到「銷售額請求 資訊」與「交易識別資訊」時，隨時或在特定截止日，將 必要之「銷售額請求資訊」傳送至各***公司管理系統 7之功能。 支付處理伺服器5也與商品配送時，用於收集，管理 當場進行貨款之收集之貨款交換服務之支付精算資訊的貨 款交換結賬系統2 0相連接，並且具備用於實現下列所示 第（2 6 )至（2 8 )項功能之裝置（參照第5圖）。 (2 6 )如由商用系統伺服器1 5收到「交易識別資 訊」與「支付精算資訊」連接到各銷售人之功能。 (2 7 )如由貨款交換結賬系統2 0收到「交易識別 資訊」與「支付精算資訊」時，隨時或在特定期間，自動 地將「支付精算資訊」時，隨時或在特定期間，自動地將 「支付精算資訊」連接到各銷售人之功能。 (2 8 )自動地將第（2 6 )項所連接之***結賬 支付精算資訊，與第（2 7 )項所連接之貨款交換結賬支 付精算資訊連接到各銷售人以製作「支付精算書」之功能 0 在上述支付處理伺服器5之功能中，要對各銷售人連 接「支付精算資訊」時，藉由對各「支付精算資訊」連貫 銷售人識別號碼（「銷售人識別母號」+「特定位數之適 -36- (33) (33)200405189 當號碼」），即可以「銷售人識別母號」爲鍵以連結彙集 。換言之，即使在同一銷售人擁有多家不同業種之店舖之 情形下，也可以容易地對各銷售人連接「支付精算資訊」 〇 貨物追踪資訊管理伺服器6具有以有線或無線與運輸 業者之辦公室內所配置之終端機2 1 A與運輸業者之駕駛 員所攜帶之攜帶式終端機2 1 B等之運輸業者終端機2 1 連接，而定期或適時蒐集集貨請求資訊，配送場所，配送 預定時日，負責駕駛員名稱乃至於其識別號碼，甚至於貨 物之集貨完備資訊或配送完畢資訊等分別表示由代爲保管 貨物至將該貨物配送到收貨人爲止之各階段之結束之確認 資訊等之「貨物追踪資.訊:」，以與各運輸案件連貫而做爲 --個記錄單位儲存，管理之功能（各記錄單位稱爲「貨物 追踪資訊記錄」）。例如，運輸業者之駕駛員收集貨物（ 商品）時，該駕駛員即當場利用攜帶式終端機2 1 B將「 集貨完畢資訊」傳送至貨物追踪資訊管理伺服器6 ，接到 該資訊之貨物追踪資訊管理伺服器6即在該運輸案件之「 貨物追踪資訊記錄」中追加更新「集貨完畢資訊」，以變 成「集貨完畢」之狀態的功能。 另外’具有如由商用系統伺服器1 5收到「運輸狀態 查詢之請求」時，將「集貨完畢」狀態之貨物追踪資訊傳 送至商用系統伺服器i 5之功能。 ***公司管理系統7與徵信處理中心系統8分別爲 各***公司及徵信處理中心所管理之電腦系統，而具有 -37- 796 (34) (34)200405189 進行各公司之服務業務之功能實現裝置。 徵is處理中心系統8具有針對來自本系統1之*** 公司聯合系統4之「徵信處理查詢」依據送來之「*** 資訊」進行購買人是否能夠付款之審查（徵信處理），並 將含徵信結果爲良好時之徵信承認號碼或徵信結果爲「不 良」時之徵信不良資訊（此等資訊又稱爲「徵信處理結果 資訊」）回信之功能。 此外，徵信處理中心系統8可由各***公司擁有或 與各***公司締結專屬之徵信處理契約而設置於*** 公司內’或透過專用線路與各***公司之***公司管 理系統7相連接。 爵際網路1 〇爲通信網路裝置之一例，也可以藉由其 他之公眾存取通信網路或專用線路通信網路連接銷售人系 統1 1 ，購買人系統1 2，虛擬店舖管理伺服器1 6之間 〇 銷售人系統1 1係用於對本結賬仲介系統Ί委託結賬 處理。換言之，係由訂有接受本結賬仲介系統1之結賬仲 介之意之銷售店登錄（契約）之客戶所管理之系統。 購買人系統1 2係由對上述銷售人（已登錄銷售店） 發出商品購買訂單者之中，於訂購商品時選擇***結賬 之購買人（由本系統1看來爲接受本結賬仲介系統1之徵 信處理服務之客戶）所管理之系統。 上述任何系統皆宜與網際網路1 0連接，並根據 Η Τ Τ Ρ或S S L等之網際網路標準協約可以通信，並具 -38- 797 (35) (35)200405189 有一台或數台電腦或行動電話等之攜帶式終端機，另外具 備可以顯示由網伺服器2送來之網頁之測覽器（例如網景 (Netscape)公司之網景領航員或微軟公司之網際網路探 險家等）。 虛擬店舖管理伺服器1 6爲，當本結賬仲介系統1之 客戶銷售人選擇「鏈接鈕方式」做爲購買意思確認方法時 ，與本結賬仲介系統1連接者，可以在網際網路（Web ) 上開設「虛擬店舖（網上之電子商店）」，而經由該「虛 擬店舖」進行與該購買人系統1 2之資訊之收發。 在「虛擬店舖」中宜設置與「徵信處理請求頁」連線 之「***結賬鈕」，並設定成按下該「***結賬鈕」 即跳躍至「徵信:處理請求頁」。 ，. 但是，「虛擬店舖」可以爲銷售人自己開設之虛擬店 舖’也可以爲其他公司所管理之cyber mall等多家店舖屋 簷相連之電子商店街之形式。 以下，要以具體例說明可以實現上述結賬仲介系統1 之***結賬仲介服務（***結賬仲介方法）之一例。 此外’本彳g用卡結賬仲介服務（***結賬仲介方法 )包s購貝思思確δ忍服務（方法），徵信處理服務（方法 )，與集貨完畢資訊聯合之貨款請求服務（方法）以及同 樣地與集貨完畢資訊聯合之貨款墊付服務（方法）。 (銷售店登記） 爲接受本結賬仲介系統i (以下稱「本系統i」）所 -39· (36) (36)200405189 提供之服務，銷售人必須事先向本系統1進行銷售店登記 〇 該銷售店登記通常經過一定之審查後，即對銷售人分 派「銷售人識別號碼」，同時賦予特定之「通行碼」之外 ，將銷售人識別號碼，終端機識別號碼，加盟店號碼，銷 售人之電子郵件位址，商號，手續費表，所利用***公 司，商品貨款支付對方之金融機關賬戶號碼等之銷售人資 訊與每銷售人連貫而儲存登記於銷售人資訊資料庫1 3。 銷售人在登記銷售店時，可以選擇「信件確認方式」 及「鏈接鈕方式」之一或兩種做爲對購買人之購買意思確 認方法（也稱爲請求開始徵信處理方法）。選擇「鏈接鈕 方式」時，如上所述,可;設定爲，在虛擬店舖管理伺服器 1 6中之联銷售人之「虛擬店舖」內設置直接與「徵信處 理s靑求頁」鏈接之「***結賬鈕」，並一按壓該「信用 卡結賬鈕」時，連同「對徵信處理請求頁之存取請求（ U R L )」一起，將電子郵件位址等之購買人系統識別資 訊，訂貨日期，訂貨號碼及結賬金額等之訂貨資訊透過網 際網路傳送至網伺服器2 〇 首先就採用「郵件確認方式」時，由購買意思確認至 徵信處理’貨款請求·貨款代墊爲止之一連串流程加以說 明。 在「郵件確認方式」之情形下，購買人只要以任意方 法對銷售人傳送「訂貨資訊」（含商品，訂購號碼，電子 郵件位址等之購買人系統識別資訊，交貨地點資訊，結賬 "? *Α Γν / ϋ Ό -40- (37) (37)200405189 方法）即可。例如，購買人可以存取銷售人在網上開設之 「虛擬店舖」由電子型錄中選擇某項目並在網上傳送「訂 貨請求」，或藉由電子郵件，電話，傳真，郵寄及其他通 信方法將「訂貨資訊」傳送給銷售人而由銷售人取得該資 訊之方法也可以。 而且，在購買人選擇***結賬做爲結賬方法之情形 下，即可接受下面所說明之本系統1之服務。 銷售人首先由銷售人系統1 1指定「結賬現場」之 u R L並將「對結賬現場（銷售人用頁）之存取請求」傳 送至本系統1 (網伺服器2 )。 接到該項存取請求之本系統1 (網伺服器2 )將要求 記入銷售人識別號碼與通行碼之附有對話框（dialog box )之網頁傳送至銷售人系統1 1。 銷售人將特定之「銷售人識別號碼及通行碼」輸入以 回信時，本系統1將其與儲存於銷售人資訊資料庫]_ 3之 銷售登記時分派之「銷售人識別號碼及通信碼」認證後， 即將「銷售人用頁之前面畫面資訊」傳送至銷售人系統 1 1 。此時在銷售人系統1 1之監視器會顯示「銷售人用 頁之前面」，在該畫面中顯示等「訂貨資訊輸入頁」，「 交易資訊確認頁」，「發貨預定資訊輸入頁」及「支付精 算資訊確認頁」之各轉換鈕。 銷售人一按下「訂貨資訊輸入頁」之轉換鈕時，在銷 售人系統1 1之監視器即顯示商品名稱，訂貨日期，訂貨 號碼，電子郵件位址等之購買人系統識別資訊，含有運費 -41 - (38) (38)200405189 等商品貨款以外之各種費用之結賬總額，收貨人資訊，結 賬方法等之催促「訂貨資訊」之輸入之對話框形式之「輸 入欄」與「確認、實效鈕」。 銷售人在所有必要「輸入欄」登入一定事項並按下「 確認、實效鈕」時，「訂貨資訊即傳送至本系統1」（網 伺服器2 )。 收到該「訂貨資訊之本系統1將其與各訂貨案件連貫 並依次儲存於本系統1內之交易資訊資料庫1 4，同時由 該「訂貨資訊」抽出與購買人系統1 2相關之電子郵件位 址等之購買人系統識別資訊’並藉由網際網路1 〇對該購 買人系統識別資訊（即電子郵件位址）傳送例如「此次承 蒙訂購〇〇（商品）’非常感謝。惟對***結賬須要徵信 處理，因此若蒙諒解開始徵信處理，即請按下「確認、實 效鈕。」等之正文，以及埋設有與「徵信處理請求頁」直 接鏈接之「確認、實效鈕」之「徵信處理開始請求信件」 〇 收到該「徵信處理開始請求信件」之購買人一按下信 件中之「確認、實效鈕」時，對存取徵信處理請求頁之請 求（U R L )即被傳送至本系統1。 而收到該存取請求之本系統i即由存取請求中抽出電 子郵件位址等之購買人系統識別資訊，並在交易資料庫 1 4查詢與該購買人系統識別資訊相關聯之交易資訊，並 將由其中擷出之訂貨資訊與「徵信處理請求頁畫面一倂傳 送至購買人系統1 2。 ο π ^ ΟΌι -42- (39) (39)200405189 於是在購買人系統1 2之監視器上即顯示「店名」， 「訂貨日期」，「訂貨號碼」’ 「結賬總額（含運費等商 品貨款以外之各種費用）」等之訂貨資訊’以及「確認購 買意思或開始徵信處理之販解之思曰」’例如「右蒙確認 上述訂貨內容並諫解開始徵信處理’即請按下下述「確認 、實效鈕」」等之正文’甚至按下時會轉換至「***資 訊輸入頁」之「確認、實效鈕」也被顯示。 一按下該「確認、實效鈕」時’即轉換至「***資 訊輸入頁」，在該頁中顯示著用於催促輸入***資訊之 「***資訊輸入欄」與「確認、實效鈕」。 當購買人登入「***資訊輸入欄」之必要項目並按 下Γ確認、實效鈕，.」時^透過本系統1即時將「***資 訊」傳送至相關之***公司之徵信處理中心系統8 ，並 在該傳送後若千時間內（數秒至數分鐘），由徵信處理中 心系統8對本系統1傳回「徵信處理結果資訊（含徵信承 認號碼之徵信承認資訊或徵信不良資訊）」。 本結賬仲介系統1接收來自徵信處理中心系統8之「 徵信結果資訊」之同時又將「徵信處理結果資訊」傳送至 購買人系統1 2，而在上述「***資訊輸入頁」之畫面 中顯示「徵信處理結果資訊」。同時又將「徵信處理結果 資訊」傳送至交易資訊資料庫1 4，並在該訂購案件之r 交易資訊記錄」中追加更新「徵信處理結果資訊」，並在 交易資訊資料庫1 4檢索與訂貨號碼等之交易識別資訊有 關聯之銷售人識別資訊（例如銷售人識別號碼）以及在銷 -43- (40) (40)200405189 售人資訊資料庫1 3檢索與該銷售人識別資訊相關之銷售 人系統1 1之電子郵件等之銷售人系統識別資訊，而透過 網際網路1 0對相符之銷售人系統1 1傳送「徵信處理通 知信件（含訂貨號碼及徵信處理結果出籠之意旨之信件） j ° 另外，透過網際網路1 〇對購買人系統1 2傳送「徵 信處理完畢信件（徵信結果爲「可」時，則含訂貨完畢之 旨之信件）」。 收到上述「徵信處理通知信件」之銷售人即存取結賬 現場內之「交易資訊確認頁」，並輸入「交易識別資訊（ 訂貨號碼或訂貨日期，購買人名稱等）」以查詢「交易資 訊」時，在交易資訊確認頁畫面中即顯示與該「交易識別 資訊」相關之「交易資訊」，而在徵信結果之欄會顯示「 可」或「否」（不良）之意旨。 銷售人看到該結果即判斷是否發送商品，如得到良好 之徵信結果’即準備出貨並製作送貨單’銷售人即輸入訂 貨號碼等之交易識別資訊而存取「發貨預定資訊輸入頁」 。於是，在發貨預定資訊輸入頁畫面內，與該訂貨號碼等 之交易識別資訊相交之交易資訊（含徵信處理結果）被一 覽顯示，並顯示「送貨單號碼記入欄」與「確認、實效鈕 j ° 銷售人登入送貨單號碼並按下「確認、實效鈕」時， 本系統1 (網伺服器2 )收到後，即將「發貨預定資訊」 傳送至交易資訊資料庫1 4，在與訂貨號碼相關之「交易 -44- (41) (41)200405189 資訊記錄」追加更新「發貨預定資訊」，將訂貨號碼與送 貨單號碼連貫之外，將該記錄改成「等待集貨確認」之狀 態。同時，在交易資訊資料庫1 4查詢與該訂貨號碼相關 之電子郵件位址等之購買人系統識別資訊，並透過網際網 路1 0對相符之購買人系統識別資訊（電子郵件位址）傳 送問候句連同含有訂貨日期，訂貨號碼，送貨單號碼，商 品簡介，發貨日期等，以及埋設著貨物追踪資訊管理伺服 器6所開設之對「購買人別貨物追踪現場」之存取資訊（ U R L )之「發貨通知信件」。 收到該「發貨通知信件」之購買人按下對「購買人別 貨物追踪現場」之存取資訊（U R L )部分時，即跳躍至 「購買人別貨物..追踪現場」，如在該畫面內按下送貨單號 碼部分，即可當場確認本運輸案件之運輸狀態，進而進行 配送日之指定，配送地點之變更等。 然後，銷售人即對特定之運輸業者，例如具有可與本 系統1 (貨物追踪資訊管理伺服器6 )連接之運輸業者終 端機2 1之運輸業者請求商品之收集，運輸業者在接受貨 物並完成收集之時間點，由運輸業者之辦公室內等終端機 21A或運輸業者之駕駛員之攜帶式終端機21B會定期 地或即時將集貨資訊傳送至貨物追踪資訊管理伺服器6。 而該貨物追踪資訊管理伺服器6在該運輸案件之貨物追踪 資訊記錄中依次追加更新「集貨完畢資訊」，並將該貨物 追踪資訊記錄變成集貨完畢狀態。 本系統1之商用系統3在每特定時間（例如每天規定 -45- (42) (42)200405189 之時間），對貨物追踪資訊管理伺服器6傳送查詢運輸狀 態之請求，並將交易資訊資料庫1 4中之等待集貨確認」 狀恶之「父易資訊記錄」，以及貨物追踪資訊管理伺服器 6中之「集貨完畢」狀態之「貨物追踪資訊記錄」，以例 如「送貨單號碼（運輸貨物識別資訊）」爲鍵，利用分批 處理重複進行對照作（collating )。而本系統1之商用系 統3利用該對照作業，抽出新成爲「集貨完畢」之交易案 件’並在與該交易案件相關之交易資訊記錄中追加更新「 集貨完畢資訊（含該意旨及出貨時日），在該時間點將該 交易案件設成「銷貨確定」，同時自動進行對銷售人之墊 付處處理與對各***公司之銷售額請求處理。 至於對銷售人之墊付:處理係支付處理伺服器5由商用 系統3收到「支付精算資訊」，並隨時或於特定時間也由 貨款交換結賬系統2 0收到「支付精算資訊」，隨時或於 特定時間自動將「支付精算資訊」連結到各銷售人（銷售 人識別母號），並將來自雙方之結賬裝置之支付精算彙總 以製作「支付精算書」。 藉此，利用***結賬之支付精算書與利用貨款交換 結賬之支付精算書可以集中，同時即使銷售人利用多家信 用卡公司之情形下，來自多家之***公司之「支付精算 書」也可以集中爲一。因此，銷售人可以將利用本系統1 之支付結賬之管理（具體地說爲進款沖消處理）一元化化 。而且，針對銷售人之支付（進款），因爲本系統1在「 銷貨確定」後，會自動而迅速地進行墊付處理，所以銷售 -46- (43) (43)200405189 人可由在「結賬現場」輸入「訂貨資訊」起例如5天後進 款，對於銷售人之債權收回期間會縮短。 其次，要說明銷售人選擇「鏈接鈕方式」時之情形。 此時，如上所述，應在虛擬店舖管理伺服器1 6中之 該銷售人之「虛擬店舖」中設置與「徵信處理請求頁」直 接鏈接之「***結賬鈕」之外，按下「***結賬鈕」 時，對徵信處理請求頁之存取請求」與電子郵件位址等之 購買人系統識別資訊，訂貨日期，訂貨號碼以及結賬金額 等之訂貨資訊設定成可一倂傳輸至網伺服器2。 銷售人存取上述「虛擬店舖」而由電子型錄選擇某項 目並按下上述之「***結賬鈕」時，會直接跳躍至「徵 信處理請來頁、」，之後與上，述「信件>確認方式」一樣，轉 換至「***資訊輸入頁」，如在該頁內之「***資訊 輸入欄」之所有項目登入必要項目並按下「確認、實效鈕 」，即可進入徵信處理。 【圖式簡單說明】 第1圖爲表示用於實現本發明之結賬仲介系統之系統 組態之一例之方塊圖。 第2圖爲例示本發明之結賬仲介系統及結賬仲介方法 之處理流程之模式圖。 第3圖爲例示本發明之結賬仲介系統及結賬仲介方法 之處理流程之流程圖。 第4圖爲表示在本發明之結賬仲介系統開設於網上之 -47- «96 (44) 200405189 「結賬現場」之構造圖。 第5圖爲表示用於構成本發明之結賬仲介系統之網伺 服器，商用系統及支付處理伺服器上之徵信處理至發貨完 畢確認至結賬處理爲止之主要流程之流程圖。 第6圖爲表示先前之結賬仲介模型之組態之一例之模 式圖。 第7圖亦爲表示先前之結賬仲介模型之組態之一例之 模式圖。200405189 玖 发明, Description of the invention-[Technical field to which the invention belongs] The present invention relates to the processing of credit information after the purchaser has an order request from the seller of the product, the confirmation of the delivery of the product, the payment request to the buyer, and the The settlement intermediary system and settlement intermediation method for the seller's payment processing are specifically related to a settlement intermediary system that links the tracking information of goods on the transportation of goods with transaction information including order information to provide a smooth and reliable commodity transaction. And checkout intermediary methods. [Prior technology] In the electronic business network (net business) conducted on the Internet, it is not easy to designate counterparties and make credit judgments, so troubles related to the transfer or payment of goods often occur. As a result, some people have recently proposed “intermediary services” to solve this trouble and be assured to implement electronic business transactions. One of them is the so-called "escrow" service. The so-called "intermediary" refers to a kind of intermediary service industry that guarantees the security of the commercial network (net business). For example, as shown in Figure 6, the intermediary service provider lives between the seller and the purchaser and the purchaser keeps the purchase money. (①), confirm to the buyer that the goods have been delivered (②), and then remit the purchase money to the service of the seller (③). For the purchaser, when the goods are not received by the seller or the goods delivered are different from the transaction content, the transaction contract can be resolved and the intermediary service provider can accept the refund. In addition, for sellers, because it can be confirmed that the buyer has remitted to the intermediary service provider before delivery, there is no advantage that the payment cannot be obtained. 784 (2) (2) 200405189 In addition, some people have proposed a credit card settlement intermediary service. The settlement intermediary business resides between the seller and the purchaser, and the credit information is processed through the input of the credit card number to ensure mutual credit. credit. For example, as shown in Figure 7, the purchaser orders the product from the seller (EC shop) (①), and when the buyer delivers the credit card information (②) to the seller (EC shop), the credit card information is served through the checkout service server. To the credit card company (③). After the credit card company has processed the credit information, it will notify the seller (EC store) of the result of the credit processing through the checkout service server (④). When the seller sees the notice as "payable", he sends the purchase completion notice (⑤) to the buyer, and sends the goods (⑥) to the buyer, and transmits the sales request information of the transaction to the checkout service server. Device (⑦). The checkout service server transmits the sales request data to the credit card company (⑧) for the purpose of remittance to the account of the financial institution designated by the seller (EC store) in the next day. In addition, there are service providers (such as "Yamato Collection Services") that serve as an intermediary for the transportation and collection of goods when they are delivered to the goods (such as "Yamato Collection Services"). Obviously many on the business network (net business) People do n’t like the sending and receiving of credit cards. Therefore, there are many on-site commercial Internet sites (online electronic stores (virtual stores) or electronic malls (cybermall)) that are designed to allow purchasers to choose credit cards. Checkout is used as a method of inflation, and a system for the settlement and settlement of goods like "Yamato Collection Service". [Summary of the Invention] [Problems to be Solved by the Invention] -6- 785 (3) (3) 200405189 There are still many problems in the current or proposed checkout intermediary system. For example, as for the aforementioned intermediary, the confirmation of whether the goods have been delivered depends on the buyer's will, so there is no way to confirm the delivery of the goods. The authenticity of the delivery information. In addition, the escrow service provider must confirm the purchase payment from the purchaser. In order to notify the seller that the payment has been remitted, the seller who has confirmed the notification sends the goods, confirms the completion of the delivery of the goods, and then pays the purchase payment to the seller. The process is complicated and time-consuming. The advantage is the problem of loss. In contrast, in the case of & credit card settlement intermediary service, credit processing can be performed on the spot and smooth commercial transactions can be performed. However, on the contrary, it has the following problems. △ Because " There is a lack of coherence between the "purchase operations on the screen", "credit processing", "the flow of transaction information from ordering to checkout and payment" until "sending the product", and the actual product logistics process from bundling to delivery And separately, therefore, contrary to the above-mentioned intermediary, there is a possibility that the buyer may request payment for the goods without delivery. △ In the case of credit card settlement, because the buyer's account is deducted and paid at the date specified by the credit card company The amount is then remitted to the seller's account at the date of the credit card company, so the seller not only collects the account The period is prolonged, and each credit card company's expansion date is different from the actuarial books, so that it is necessary to check the scheduled remittance information of the arrears with the incoming payment information to offset, and it takes time to process the payment. -766 (4) (4) 200405189 △ If you choose "Credit Card Checkout" as the checkout method, you will be urged to enter credit card information and other information necessary for credit processing. As soon as you press the send button, you will start credit processing. The buyer has not been able to confirm the total settlement of the various expenses other than the payment of the goods such as freight and directly completed the untrustworthy. On the other hand, the seller must use it to calculate when constructing the order in the online electronic store opened by himself. A system that includes the total amount of inflation of various costs other than the payment of goods such as freight charges is extremely difficult in terms of system development capabilities and development costs. △ If you contract with multiple credit card companies, you must install a credit reporting system at each credit card company. In addition to the credit processing procedures themselves becoming complicated, the cost will be very heavy. △ On the purchaser's side, that is, one of the credited parties, personal data such as credit card information is left on the seller's side, and there is a concern that personal data will be leaked or misused. In addition, at the above-mentioned commodity transaction site where the buyer can choose credit card settlement and payment exchange settlement, the seller receives the payment details from multiple credit card companies, and the payment details will be received by the carrier who collects the payment. The accounting process, and especially the reversal of payments, has become extremely complicated. [Method for solving the problem] In order to solve the above problem, the present invention provides a checkout intermediary system, which is a checkout intermediary system that can connect the purchaser system and the seller system of the external system through a communication network, and has the following features: -8- 76? (5) (5) 200405189 The function of receiving the order information including the buyer's system identification information used to identify the buyer's system and the total swell information including the cost of the goods, such as freight, from the seller's system. When the seller system receives the above-mentioned order information, it sends the request to start the credit processing to the buyer system and the access to the checkout intermediary system according to the buyer system identification information in the order information. When the above purchaser system access request, the stored transaction information includes at least the ordering information of the total billing information, as well as the credit card information and other information necessary for the processing of credit information requests to the buyer's system. When the buyer system receives the information necessary for credit processing, the function of sending the information necessary for credit processing to the server of the credit processing center, and if the credit processing center server receives the credit processing When the result is obtained, the function of sending the credit processing result to the buyer system or the seller system or both systems automatically or in response to a request (item 1 in the scope of patent application). In this specification, the so-called "buyer system" refers to a computer system such as a computer terminal or portable terminal accepted by the buyer, and the so-called "seller system" refers to the computer terminal accepted by the seller. Computer systems such as mobile phones or portable terminals, and the so-called "purchaser system identification information" refers to identification information that can be used to identify purchaser systems such as e-mail addresses or portable telephone numbers. This kind of checkout intermediary system can provide the checkout intermediary system including the following steps: -9- / 00 (6) (6) 200405189 The checkout intermediary system is received by the seller's system and contains the buyer's system identification information, as well as freight and other product payment. Ordering information for the total billing information of various fees and storing it as the step of transaction information for each order case 'When the billing intermediary system receives the ordering information in the above steps, it is identified based on the purchaser system in the ordering information Information, the request to start the credit processing of the purchase system and the steps of accessing the information to the settlement intermediary system. If the settlement intermediary system receives the access request from the buyer system, it will store at least one of the transaction information in the store. The step of sending the information required for credit information processing such as the order information including the total billing amount and credit card information to the buyer, when the buyer's system receives the information necessary for credit processing, Steps for transmitting the information necessary for credit processing to the server of the credit processing center, and checkout If the referral system receives the credit processing result from the credit processing center server, it will automatically or respond to the request to send the credit result to the buyer's system or the seller's system or both systems (No. 5 of the scope of patent application) item). In the above-mentioned settlement intermediary system and settlement intermediation method, if there is an access request from the buyer system, the stored transaction information may include at least the ordering information of the settlement information, as well as the purchase confirmation inquiry or understanding. The inquiry of letter processing is transmitted to the buyer's system. If the buyer receives the purchase confirmation or understands the purpose of starting the credit processing, the credit card information can be necessary -10- 769 (7) (7) 200405189 Requests for information are sent to the buyer's system (Applications-Patent Scope 2 and 6). Utilizing the above-mentioned settlement intermediary system and settlement intermediation method, because the product ordering system (operation) can be separated from the credit information system (operation), therefore-the seller can calculate the product payment such as freight and other costs after the operation of ordering the products Prompts the purchaser for various expenses and includes information on the total settlement of these expenses, and confirms the purchase intention according to the purchaser's own intention or understands the start of credit processing and credit processing. Therefore, even SMEs with insufficient system development capabilities can provide credit processing services that allow buyers to rest assured to conduct business transactions. Moreover, for the seller, it is not necessary to assemble a credit processing system in the site of his own electronic store, that is, when using multiple credit card companies' credit cards to check out, the credit processing window and this checkout intermediary system can be simplified. Simplify both systems and procedures. On the other hand, for the purchaser, personal information such as credit card information will never be retained by the purchaser, so you can rest assured that your credit card is used. · The present invention applies for a checkout intermediary system, which can connect the buyer system and the seller system of the external system through a communication network, and at the same time collect at least the completed stock information from the goods tracking information used to collect and store the related goods transportation ~ Or the goods tracking information management server of the delivery completion information is connected to 'its special' features: The seller system receives the order information containing the transaction identification information for identifying each order case, and stores it as the transaction information of each order case The function b, -11-(8) (8) 200405189 Compares the stored transaction information with the goods tracking information management server's collection completion information or distribution completion information stored in the management server, and extracts the results of the new collection. After the transaction information is completed or delivered, one of the functions of payment processing to the seller and payment processing to the buyer or the company entrusted by the buyer to recover the payment for the goods is automatically performed on the extracted transaction information ( Patent application scope item 3). In addition, the "collection completion information" in this specification means the confirmation information that the carrier actually keeps the goods by the shipper (the seller of the present invention). In other words, it is the information to confirm the start time of the transportation responsibility of the transporter. For example, it includes the exact information of the transporter (including the home delivery service provider, the same below) to collect the goods at the shipper and actually keep the goods. Information stored in a consignment commissioned by a transporter, such as a convenience store, and the transporter does deposit the goods with the reseller, and confirm that the consignor sends the goods directly to the transporter's office, and the transporter does All the information of the cargo storage. In addition, the "delivery completion information" means the confirmation information that the carrier has delivered the goods to the consignee (the purchaser of the present invention). In addition, the expression of "collection completion information or distribution completion information" includes that the transportation company deposits the goods from the consignor (the seller of the invention) to the delivery of the goods to the receiver (the buyer of the invention). The intention of confirming the completion of each stage. In addition, the company that entrusts the buyer to collect the payment for the goods is of course the credit card company and other intermediaries, which is hereinafter referred to as "the payment recovery commission company". -12- (9) (9) 200405189 With this kind of settlement intermediary system, you can provide a settlement method that includes the following steps: When processing payment for the seller, or processing the payment request for the buyer or the payment recovery entrusted company In the checkout intermediary system, the seller receives the order information containing the transaction identification information used to identify each order case, and stores it as the transaction information of each order case. The checkout intermediary system compares the stored transaction information with the goods. Follow the steps of the collection completion information or distribution completion information stored by the information management server, the checkout intermediary system extracts the results of the comparison, the newly completed collection collection or distribution completion transaction information, and for the extracted transaction information, then automatically Make the purchaser or the goods reclaimed and entrust the company to perform the payment request processing steps, or the checkout intermediary system extracts the results of the comparison of the newly completed collection or distribution of the transaction information, and then automatically extracts the transaction information for the extracted transaction information. Steps for processing payment by seller (Patent application scope 7 and 9). With such a structured checkout system and settlement intermediary method, the sales can be determined at the time when the goods tracking information management server fetches and collects the information or the information about the completion of the distribution, and then quickly performs the "payment payment processing to the seller" "And" Processing of the payment request of the purchaser or the payment recovery entrusted company ", so the problem of requesting payment for the undelivered goods can be eliminated. In addition, because it is based on the objective collection completion information or distribution completion information entered by a third party who is neither the buyer nor the seller to confirm the sales amount, it is possible to carry out fair and accurate mutual settlement. And -13- / / / (10) (10) 200405189 If it is the collection completion information ’, it can be obtained before the goods are delivered to the purchaser, and the checkout process can be performed at an earlier stage. Not only this, but also the confirmation of the completion of each transportation stage, such as the previous manual completion of distribution, is not required, so the completion confirmation procedures of each transportation stage can be simplified. In addition, this settlement intermediary system and this settlement intermediary method for the recovery of payment by the entrusted company are carried out by the settlement intermediation system, so even if the seller uses multiple payments to recover the entrusted company, it will not increase the burden on the seller. In addition, the settlement intermediary system uses the advance method to remit the entire batch to the seller on the date specified by the settlement intermediary system. In this way, the inconvenience of different payment dates or different actuarial books for each payment recovery entrusted company can be relieved, and the accounting treatment on the seller's side can be greatly reduced, especially the trouble of cancelling the payment. In addition, in the above-mentioned settlement intermediary system and settlement intermediation method, before comparing transaction information with collection completion information or distribution completion information, the settlement system can be shipped by the seller's system for at least the scheduled delivery date and delivery note number, etc. The shipping schedule information of the cargo identification information is to add the shipping schedule information to the stored transaction information and update it, and then compare the transaction information with the shipping schedule information in the transaction information, and store the tracking information stored in the cargo tracking information management server. Information on the completion of the collection or the completion of the delivery (items 4, 8 and 10 of the scope of patent application). In this way, by comparing the shipping cargo identification information in the sending reservation information with the shipping completion information or the shipping completion information managed by the shipping cargo identification information unit, the transaction information can be compared with the shipping completion information or the shipping completion information. In addition, it is not necessary to compare all the transaction information, but only to add the transaction information of -14- (11) (11) 200405189 to send the scheduled information, which can reduce the burden on the system. Furthermore, in this specification, the so-called "transportation cargo identification information" means information that can identify each transportation case, such as a delivery note number. The so-called "transportation" means a series of items from the collection of the cargo to its handling and delivery. Logistics operations. In addition, the present invention proposes a settlement intermediary method, which can use the settlement intermediation system to intermediate the settlement processing between the seller and multiple purchasers, and use the settlement intermediation system to advance the seller's payment, and use the two More than one of the checkout methods selectively request payment for the purchase, which is characterized by the following steps: The step of the checkout intermediary system will use the payment amount of the transaction case of one checkout method to connect with each seller, and the checkout intermediary system will use another checkout The method of the transaction case is to link the payment amount to each seller, and the settlement intermediary system will link the payment amount linked in the above steps to each seller, and to use the payment amount of one checkout method and the use of another The payment amount of the settlement method is summarized and shown in the payment details step (item 11 in the scope of patent application). For example, some buyers use the credit card company's credit card company to request payment through the checkout intermediary system, while other buyers use the payment intermediary method of exchange with the goods to recover the purchase amount. In addition to linking the payment amount of the transaction case settled by credit card to each seller, 'the payment amount of the transaction case exchanged by payment can be linked to each seller, and the linked -15- (12) (12 ) 200405189 The two payment amounts are linked to each seller, and then the payment amount settled by credit card and the payment amount settled by goods exchange are summarized in the payment details. With this kind of settlement intermediary method, even if the seller chooses different settlement methods such as credit card settlement or payment exchange settlement according to the buyer's free will, even if the seller is between multiple buyers, even multiple credit cards are used according to the buyer's free will When the company selects a specific credit card company, the settlement intermediary system of the present invention can also summarize the payment amounts of all settlement methods in each seller and display a payment detail. Therefore, for the seller, regardless of the settlement method, The contents of deposits can be managed in a unified manner, which can greatly reduce the burden of accounting processing, especially the elimination of the payment processing. In addition, in the above-mentioned settlement intermediary method, when the payment amount is linked to each seller, for example, the settlement method is not limited, and a number used to identify the seller (hereinafter referred to as "identification mother") is given to each transaction case. At the same time, it is set to multiple identification child numbers that can be added to the identification mother number by adding an appropriate number. Even if transactions with different identification child numbers are assigned, the payment amount of all transactions with a common identification mother number can be linked (application Patent Scope Item 12). In this way, it becomes the setting of multiple Tibetan sub-numbers that can be added to the identification mother number by adding an appropriate number, and multiple identification sub-numbers can be assigned to the same * salesperson. For example, the same salesperson has different business types. In the case of many stores, the checkout intermediary system can assign different identification child numbers to each store, and can also identify the mother number as a key to summarize the payment amount of each store and pay it to the seller. Furthermore, it is extremely easy to manage the identification of the mother number and the identification of the -16- 775 (13) (13) 200405189 child number. [Embodiment] An embodiment of the present invention will be described below with reference to the drawings. #Implementation form of the checkout intermediary system is used when the purchaser chooses a credit card payment method (that is, "credit card checkout") when ordering goods. System, its subsystems include a purchase intention confirmation system, a credit processing system 'cargo tracking information and commodity payment request system, and cargo tracking information and commodity payment system. In addition, 'the object of the checkout intermediary system of the present invention is not tangible' and is intangible and can be applied to all commercial transactions with payment request and payment. Figure 1 shows an example of a system configuration used to implement the checkout intermediary system 1. Block diagram. As shown in FIG. 1, the checkout intermediary system 1 includes a commercial system 3 including a web server 2, a seller information database 13, a transaction information database 1 4 ′, and a business week system server 15 in a narrow sense, and The credit card company connection system 4 includes a payment processing server and a cargo tracking information management server 6 in a broad sense. In addition to the credit card company connection system 4, the checkout intermediary system 1 is connected to the external system, the credit card company management system 7, and the credit processing center system 8, respectively, and also connected to the seller system Ί 1 and the buyer system 1 through the Internet. 2 and virtual store management server 16 are connected. -17- (14) (14) 200405189 In addition, the details will be described later, but the payment processing server 5 is also connected to the payment exchange settlement system 2 which manages the payment exchange settlement of the settlement method different from the credit card settlement, and the above The cargo tracking information management server 6 and the terminal 21A in the carrier's business office and the portable terminal 2 1 B of the driver of the carrier (these are collectively referred to as the "transporter terminal 2 1") are wired or wireless. It is connected, and has the function of collecting or storing and managing regularly or immediately by the terminal 21 of these carriers. In addition, the entities of the aforementioned servers (2, 5, 6, 15, 16), the aforementioned systems (3, 4, 7, 8, 11, 1 and 1 2) and the databases (1 3 '1 4) are all entities It is an application program (software), which is contained in a computer system with one or more of the effective environment of each program (including distributed and burden-distributed). These computer systems contain CPU and RAM, while other operating systems, communication interfaces, display devices such as CTR, input devices such as keyboards and mice, output devices such as printers, etc. follow each server, system and The functions of each database are added. The connection between each server, each system, and each server and system can be connected by a dedicated line, a computer network such as LAN or WAN, or any method that can transmit and receive information such as wireless. As for the transmission and reception of information, Utilize cryptographic techniques (eg SSL, etc.) that are now well known. In addition, as long as it is understood by the person skilled in the art, it is not necessary to explain it. However, a conventionally known safety countermeasure device such as a fire wall can be arbitrarily added to an appropriate part in the checkout intermediary system 1. In addition, for example, the salesperson information database 1 3, the transaction information database 14 and the commercial system server 15 are configured in the web server, that is, the functions of the commercial system 3 can be -18- (15) (15) 200405189 It is combined with the functions of the web server 2 and arranged in a server, etc. In this checkout intermediary system 1, how to configure each server and each database can be arbitrarily designed and changed. Secondly, the method for realizing the functions of the checkout intermediary system 1 will be explained. ○ The checkout intermediary system 1 has a device for the following functions A to P (refer to FIG. 2 and FIG. 3). In addition, although this checkout intermediary system 1 has "email confirmation method" and "link button method" as methods to confirm the purchase intention of the purchaser, it is necessary to first check the former "mail confirmation method" Function implementation method will be explained. A · Receive the "ordering information" sent by the seller 1 丨 via the Internet 10 and store the "ordering information" with each order case in sequence and store them in the transaction information database 1 4 as "transactions" Information Recording "function. At this time, "" order information "should include information such as e-mail address that can identify the purchaser's system 12 (hereinafter referred to as" the purchaser's system identification $ "). Information such as "total settlement" of various fees, order number, etc., which can identify each transaction case (hereinafter referred to as "transaction identification information"). In addition, in addition to the payment for the goods, the total settlement may include bundling fees, checkout commissions, freight, refrigeration charges, and consumption taxes. B · If the sales system receives the "ordering information", it will extract the "buyer's system identification information" (for example, email-19- 77 «(16) (16) 200405189 address) And through the Internet 10, the purchaser system 12 of the purchaser system identification information transmits the function of "information for requesting the start of credit information processing" and "access information to this checkout intermediation system 1." C. If there is an "access request to the checkout intermediary system 1" by the buyer system 12 mentioned above, the access request etc. reads the buyer system identification information and queries the transaction information database 14 The "transaction information" associated with the purchaser's system identification information, and through the Internet 10 will be extracted from the matching "transaction information record" of "order information" that contains at least the "total settlement" and "purchase" for querying the meaning of purchase "Inquiry of intent", or the function of inquiring about the inquiry to start credit processing, "Understanding the inquiry to start credit processing" is transmitted to the buyer's system 12. 'At this time, "buyer's inquiries" and "understand the inquiry to start the credit processing" can be transmitted to one or both parties. For example, when the button is set on the web screen, it will appear that it is deemed to confirm the purchase intention or understand The "confirmation and actual effect button" of the explanation sentence of credit information processing, and can be set to access "this checkout intermediary system 1" by pressing the "confirmation and actual effect button". D · If the purchaser system 1 receives "information to confirm purchase intention" or "understand information to start credit processing", it will send a request to the buyer system 1 2 via the Internet 1 0 to input credit processing. The functions of "type of credit card company to be used, credit card number and expiration date (hereinafter collectively referred to as" credit card information ") of" credit card information input request information "of the information. In addition, 'functions of C and D mentioned above can also be collected, and 1 transaction information containing the "total settlement" and "purchase inquiries" or -20- (17) (17) 200405189 "understand and start credit inquiry" Simultaneously transmitted with "Credit Card Information Entry Request Information". E · If the "Credit Card Information" is received by the Purchasing System 12, it will transmit the "Credit Processing Inquiry" to the credit processing center system 8 together with the "Credit Card Information". F. If the "credit processing result" is received by the credit processing center system 8 'at any time, the "credit processing result" is stored in the transaction information database 1 4' and is stored in the "transaction information record" of the transaction Added the function of "Credit Report Processing Results". G. If the "credit processing result" is received by the credit processing center system 8 ', the "buyer's system identification information (such as email address)" related to the "credit processing result" will query the transaction information database i 4 The function of transmitting "credit processing results" to the matching buyer system 12 through the Internet 10 is transmitted. Η When the "credit processing result" is received by the credit processing center system 8 ', the seller's system identification information (such as email address or mobile phone number, etc.) that is about to be associated with the credit result will be queried for seller information The database 13 and the transaction information database 14 transmit the "levy processing result" or "credit processing result has appeared" to the corresponding seller system 11 via the Internet 10. I · In accordance with the requirements of the “Transaction Identification Information (Order Number, etc.) from the seller system ii, the“ Transaction Information ”related to the“ Transaction Identification Information ”will be used to query the transaction information database 14 and the corresponding“ The transaction information with the processing result of the levy is sent to the seller's system 1 -21-780 (18) (18) 200405189. J. If the seller system 1 1 receives "transaction identification information, and at least" scheduled delivery date "and the delivery note number, etc.," transportation cargo identification information "that can identify the transportation case one by one (hereinafter referred to as" the " Shipping schedule information ")", which is stored in the "Transaction Information Record" at any time, and the function of coherent transaction identification information and transportation cargo identification information. κ. Consolidation completion information (hereinafter referred to as "consolidation completion information" and delivery note number) entered by a third party who is neither the seller nor the purchaser (for example, the driver or clerk of a transportation company) The "Cargo Identification Information" is received by the cargo tracking information management server 6 at any time, and the "collection completion information" and "Transportation Cargo Identification Information" and other "goods and objects with identification of transported goods: tracking information" are coherent, . And each shipping case is a record unit (each unit is referred to as "cargo tracking information record" and can be stored at any time.) L · "Transport cargo identification information" such as a delivery note number as a key to regularly or at any time compare transaction information The functions of “Transaction Information” in Database 14 and “Cargo Tracking Information” in the aforementioned Cargo Tracking Information Management Server 6. At this time, if “Cargo Tracking Information” and batch processing are used, only “ In the "transaction information record" of "delivery schedule information", you can seek the efficiency of collating and reduce the burden on the system. Μ · Draw out the transaction cases that have newly become "collection completion test" through the above collation. And added "collection completion information" and update functions to the "Transaction Information Record" in the transaction information database 14 related to the extracted transaction case. -22- 781 (19) 200405189 N. The transaction cases drawn through the above-mentioned comparisons are regarded as "sales confirmation" and transaction information database 14 "communications" at the time point of the transaction cases, and the credit card company management function is automatically performed. 〇. Extract the transaction cases through the above comparison, and for the transaction cases, according to the time point, it will be regarded as "sales confirmation information" and transaction information database 1 4 information "to automatically carry out the pad to the seller 〇‘ P. It will link the sellers who settled by credit card, and at the same time will use the amount of the payment to each seller, link the sellers, and collect the payment amount that is settled by credit card exchange. In addition, in the "link button method" and B Function implementation method. As long as the details are described later. Then, with a more specific implementation of the snbsystem's web server: Web server: The "collection completed" is compared with the "collection completed information", and the transaction "Transaction information license, and according to the corresponding" Transaction Management Server 7 sales request processing industry, the newly acquired "collection completion" is being paired with "collection completion information", and the transaction of the transaction case " Contrast, and according to the corresponding "Transaction payment processing (payment processing) functional transaction case payment amount and each exchange settlement transaction transaction case payment two settlement amounts and then each settlement payment amount and the use of the payment The function of payment details. In the case, the above-mentioned A is not required to prepare the above-mentioned functions of C to P. For example, to explain the configuration and functions of the checkout intermediary system 1, the manipulator and the system, etc. Connect to the Internet (by 7S2 -23- (20) (20) 200405189 Η Internet Protocol Agreements such as TTP or SSL become communicable) 'You can open a "checkout site" (homepage) on the Internet and use this "checkout Field "sales people and system i i system with the purchase of 12 people to send and receive the information. On the other hand, the checkout intermediary system 1 is also connected to the commercial system 3 and the credit card company joint system 4, respectively, and functions as the interface between the checkout intermediary system 1 and the seller system 11 and the buyer system i2. "Ledger account site" is described in Hyperfexl-mark up language (HTML). As shown in Figure 4, there are "seller pages" and "purchaser pages" as web pages. The "Seller page" has an "Ordering information input page" containing an input field for ordering information, and a "Transaction information confirmation page" showing a list of easy-to-use information and tracking information for the goods, including the date and time when the product is scheduled to ship Bar it. "Shipping reservation information input page" and "Payment actuarial information confirmation page", and "Purchaser page" has a "Credit processing request page" with an input field containing credit card information. In addition, the meaning form of "knotting scene" is not limited to the TML format, and other definition forms (languages) such as extensible markup language (XML) can also be adopted. In addition, the "Seller page" and "Buyer page" in this implementation form are formed for each transaction case, but they can also be formed for each individual. The web server 2 is provided with a device for realizing the functions (1) to (8) shown below as a purchase intention confirmation device of "email confirmation method" (refer to FIG. 5). (1) If the seller system 11 receives the "Request for Access to the Checkout Site (URL)" sent via the Internet 10, it will return -24-783 (21) (21) 200405189 and answer The function of "requesting salesperson identification information (such as salesperson identification number and passcode)". At this time, the "Order Information Input Page Screen Information" should be set to display an "Order Information Input Column" that urges the entry of necessary order information on the Web page screen. In addition, "access requests for web pages" such as "access requests for order information input pages" are usually sent in the form of a Η TML file transfer request with a specified URL, but are not limited to this form (for the " Transmission request ". In addition, the "Web page transmission request" communication transmitted in response to the request is sent in the form of text, graphics, and various tags (tags) containing display control and other functions, but it is not limited to this form (for the following " Web screen information ". (2) If the salesperson system 1 1 receives "seller identification information (such as salesperson identification number and passcode)", it will send the "seller identification information (such as sales Person identification number and pass code) "is compared with" seller identification information (such as sales person identification number and pass code) in storage. If authenticated, the "seller identification information" will be associated with the "seller identification information" Page screen information "function to transfer to the seller system. In addition, in this embodiment, to access the salesperson's page, you must first access the "checkout site", although it is not possible to access the "order information input page", "transaction information confirmation page", and "delivery schedule information" Input information page "," payment actuarial information confirmation page "and other sub-pages (but can also be set to access. -25- (22) (22) 200405189 (3) If the order information (including order date, transaction identification information (order number, etc.) sent by the seller system i is received via the Internet 10, it is used for "Identify the buyer system identification information of the buyer system such as e-mail address, etc., the total amount of the bill (including various charges other than the freight and other products), and other product descriptions and communication documents if necessary." The function of transmitting this "ordering information" to the transaction information database 14. (4) If the "ordering information" sent by the seller system χ 丨 is received through the Internet 10, the "ordering information" extracts the buyer system identification information such as the e-mail address, and sends it through the Internet Road 10. The function of "information requesting to start credit information processing", which is the purpose of requesting credit information processing for the purchaser's system identification information transmission, and the function of "access information (URL) to the buyer's page" at the checkout site. At this time, the "information for requesting credit processing" should be set to be transmitted by e-mail, for example, and the "access information to the buyer's page" is to embed the URL of the buyer's page in the form of a link button. In that email, and click the link button, you can directly access the buyer's page. Specifically, for example, it may be set with a greeting and the text "If you understand, start credit processing, that is, please press the" confirmation, actual effect button ", etc., so that the" confirmation, actual effect button "and the purchaser Link with page. (5) When the purchaser system 12 receives the "request for access to the purchaser's page", the purchaser's system identification information such as the e-mail address is extracted from the access request, etc. "Transaction identification information" (store name, order date, transaction identification information) (Order 7 C > Γ / 〇 ·] -26 · (23) (23) 200405189 number, etc. " Various fees other than the payment of the goods) "Product introduction and communication documents" "Query in the transaction information database 14" and then extract specific "ordering information (including ordering date, transaction identification information) from the corresponding" transaction information record " ) (Order number, etc.), buyer system identification information such as e-mail address, total billing amount (including various charges other than the payment of goods such as shipping costs), product introduction, etc. ", and the" order information "And the" inquiry information for purchase and trade meaning "used to confirm the purchase intention or the" understanding information for initiation of credit information processing "or both of them for transmission to the purchase Features of the buyer system 1 2. At this time, "Inquiry information about purchase intention" and "Understanding inquiry information to start credit processing,": You can set to display "Transaction information," for example, on the screen of the credit processing request page, and display "For the above order content, If you understand the purchase and start the credit processing, please click the text of "Confirmation and Effectiveness Button", etc. In addition to linking the "Confirmation and Effectiveness Button" with the "Credit Card Information Input Page" described below, Pressing the "Effectiveness button" is regarded as a response to "the purchase and sale meaning is correct" or "understanding the beginning of credit processing". (6) If the buyer system 1 2 receives information containing the purpose of "confirmation of purchase intention" or "understanding to start credit processing", that is, a request to enter credit card information through the Internet 10 "request to enter credit card information Information "is sent to the buyer system 12 function. At this time, the "request information for entering credit card information" can be used as the "credit card information input field" and "credit card information input field" used to prompt the input of "credit card information" on the screen of the credit card information input page on page 2 of the buyer's page "-27 · (24) (24) 200405189 Confirmation and effect button". In addition, the 'credit processing request page' screen can be combined with the credit card information entry page. In that case, as long as, for example, "transaction information", "credit card information input field", and "true and effective button" can be displayed on the same screen. (7) If the "credit card information" is received by the purchaser system i 2 via the Internet 10, the "credit card information" and the email address # of the "purchasing system identification information" and order number, etc. "Transaction identification information" is transmitted to the credit card company joint system 4 and the "credit processing result" sent from the credit card company joint system 4 via the Internet 10 is transmitted to the purchaser related to the "purchaser system identification information" Function of system 12 At this time, it is appropriate to display a "credit processing request page" on the screen of the "credit card information input page" and wait for a while after the buyer enters the credit card information to display the "credit processing result". In addition, the purchase intention confirmation device using the "link button method" does not require the above-mentioned functions (1) to (4) to implement the device. That is, in the case of a purchase intention confirmation device using the "link button method", a "credit card checkout button" linked to a "credit processing request page" is set on a screen of a virtual shop on the Internet, for example, that is, Suddenly accept the "access request to the purchaser's page" from the buyer system 12 of ⑤ above, and then 'as long as it has the same function as the "mail confirmation method" to implement the device. The web server 2 has a device for performing the function of item (8) shown below. -28- (25) (25) 200405189. (8) If the "request for access to the transaction information confirmation page (u RL)" and "transaction identification information (order number, etc.)" are received from the seller system 11 via the Internet 10, that is, The transaction information database 14 queries the "transaction information" associated with the "transaction identification information", and sends the extracted "transaction information" and the page information of the seller page to the function of the seller system 1 1 together. At this time, if the result of credit processing has appeared, you can add "Result of credit processing" to the above "Transaction Information". The web server 2 also has a device (see FIG. 5) for realizing the functions of items (9) to (10) shown below. (9) If the "access request (URL) to the shipping order information input page" sent from the seller system 1 1 is received via the Internet 1 1, "send to the seller system 1 1" The function of "Order information of the booking information screen". At this time, on the screen of the shipping order information input page, it can be designed to extract only the transaction information record display list without entering the shipping order information from the transaction information added with the credit processing result. (1 0) If the seller system 1 1 receives "delivery order information" (including shipping goods identification information such as delivery date and delivery note number) and "transaction identification information (order number, etc.)", The function of transmitting such "transaction identification information" and "shipment reservation information" to the transaction information database 14. The web server 2 is additionally provided with a device for realizing the functions (1 1) and (-29- (26) (26) 200405189 1 2) shown below. (1 1) When the seller system 1 1 receives the "access request (URL) to the payment actuarial information confirmation page" transmitted via the Internet 10, the "payment actuary information confirmation page screen information" and The function of “urging login transaction identification information” together is transmitted to the seller system ii. (1 2) And if the seller system 1 1 receives the response of the “Transaction Identification Information”, it will query the “payment identification information” associated with the “Transaction Identification Information” on the payment processing server 5 and extract the “Checkout Information” Information "and" Payment Actuarial Information Confirmation Page Screen Information "are transmitted to the salesperson system 1 1 g. At this time, the payment actuarial information confirmation page can also be designed to confirm the information of the payment actuarial book sent by hard copy later. Secondly, the configuration and functions of the commercial system 3 must be explained in detail. The commercial system 3 includes a salesperson information database 13, a transaction information database 14 and a commercial system server 15. The salesperson information database 1 is equipped with a DBMS (Database Management System), which stores the salesperson information in the database. Each salesperson is made into a unit of record 'with the retrieval of information in turn and the provision of search results' Correction and change functions. For example, the "seller identification number" used to identify the seller in this system, and the credit card company's joint system 4 is used to identify the "terminal identification number" of the seller on the system, the seller of the e-mail address, etc. System identification information, "credit store number", business name, pass code assigned by each credit card company to identify the seller on actuarial basis, -30- 789 (27) (27) 200405189 fee table and credit card companies used, etc. Stored in continuity with the "Salesperson Identification Number" mentioned above. By design, the "Salesperson Identification Number" and even the "Terminal Identification Number" and "F Franchise Store Number" associated with the "Salesperson Identification Number" can be easily retrieved. Salesperson information. Here, the "seller identification number" mentioned above is composed of a numbering system of "seller identification mother" + "appropriate number with specific digits" (also known as "seller identification number"). That is, structurally, each salesperson may be assigned a "seller identification mother number", and at the same time multiple "seller identification child numbers" may be assigned to the same seller. By setting up such a numbering system, when the same seller operates stores of different industries, each store can be given a "terminal identification number" and "affiliate store number" separately. Moreover, it is easy to draw by "salesperson: identification number". "Old salesperson identification mother number", for example, even if different "seller identification number" (seller identification sub-number) is given to transaction information, sales request information and payment actuarial information, etc., "the salesperson "Identification number" is the key 'in other words', that is, it is easily linked and summarized by each sales person. Furthermore, the "seller identification mother number" is given the same number as the number assigned to the seller by the money exchange system 20, and the information managed by the money exchange settlement system 20 (such as transaction information, payment information, etc.) can be given. Information (such as transaction information, payment information, etc.) managed by the credit card settlement intermediary system 1 is linked to each seller using the "seller identification number" as a key and summarized. The transaction information database 14 has a DBMS (Database Management System), which stores transaction information into a database, with each transaction case (in other words, -31-(28) (28) 200405189, each order number) as A record unit, and has the function of sequentially searching for information, providing search results, and correcting and changing. For example, 'the salesperson identification information, email address, etc. of the buyer's system identification information, order date, order number, checkout amount, product introduction, credit processing results (including credit confirmation information including credit confirmation number (credit Information with the result of "may" or bad credit information (information with the result of "no")) 'shipping information (including delivery note number, delivery date and communication documents), Collecting information, sales request information, payment actuarial information, and other transaction information are coherently stored with each transaction case. 'Design, the buyer's system can identify information, order number, credit confirmation number, delivery note number, etc. To retrieve any transaction ID. The commercial system server 15 has the function of a web application server, and is provided with a function implementing device serving as an interface inside and outside the commercial system 3, specifically, 'it is provided for implementing the following (1 3) to (2 1 ) (See Figure 5). (1 3) If you receive the "Ordering Information" (including the ordering date 'transaction identification information (order number, etc.)' from the web server 2, the purchaser's e-mail #address' checkout amount, other product descriptions as needed and Communication documents, etc. ", that is, the function of" ordering information "and each transaction case in the transaction information database 14 is coherent and stored as a transaction information record at any time. (1 4) If you receive the "inquiry (search request) for transaction information" and "buyer's system identification information" from the purchaser's e-mail address sent by the web server 2, it will be in the transaction information database 1 The "Transaction Information" associated with the "Purchaser System Identification Information" is retrieved in 4 and the specific "Transaction Information" in the "Transaction Information Record" of -32- (29) (29) 200405189 is drawn back to the web server Device 2 function. (1 5) Send the "credit processing result information (including credit confirmation information or credit failure information) sent by the credit card company's joint system 4 to the transaction information database 1 4 and The "Transaction Information Record" associated with the transaction identification information (order number, etc.) is additionally updated with the "credit processing result information" to link the transaction identification information such as the order number with the credit confirmation number function. (1 6) Receive the "credit processing result information" sent from the credit card company's joint system 4, and retrieve the sales in the transaction information database 1 4 and the seller information database 1 3 based on the transaction identification information (order number, etc.) Person system 1 1 email address and via internet. The function of the Internet 10 to the matching sales system 1 1 is to send a "credit processing notification mail (including the letter identifying the transaction identification information and the result of the credit processing result). Specifically, it can be designed to be received by a credit card company. When the "credit processing result" sent by the joint system 4 is in the transaction information database Ί 4 Μ $, the seller identification information (such as the seller identification number, etc.) related to the transaction identification information (order number, etc.), and Search the seller's information database 1 3 for the electronic address of the seller's system 丨 1 related to the seller's identification information, and send the "credit processing notice" to the matching seller's system 1 1 through the Internet i 〇 letter". In addition, it can also be designed to store the e-mail address of the seller system 1 1 in the sales information database 1 3 'i @According to the transaction identification information in the seller information database 1 3 directly retrieve the email of the seller system 1 1 Address. -33- (30) (30) 200405189 (1 7) If the web server 2 receives the "transaction identification information (order number, etc.)" and "send reservation information (including delivery date and delivery note number) Etc. ", the" delivery order information "is transmitted to the transaction information database 14 and the" delivery order information "is additionally updated in the" transaction information record "related to the transaction identification information The function of “transaction identification information” such as order number and “delivery identification information” such as delivery note number is coherent, and the “transaction information record” is set to the state of “waiting for confirmation of collection”. (18) Receive the "delivery information" and "transaction identification information" sent from the web server 2, and based on the transaction identification information, query the purchaser of the purchaser system 12 in the transaction database 14 System identification information (such as email address) ',. And 'through the Internet 1 0. The function of sending "shipment notification letter" to the matching buyer system. At this time, it is preferable to embed the identification information of the transported goods such as the delivery note number and the tracking information of the cargo tracking information management server 6 in the "shipment notification letter" to access information (URL) to the tracking site of the cargo by the purchaser. If the purchaser who received the "Delivery Notification Letter" presses the access information part, he will jump to the "purchaser's goods tracking site" and can confirm the shipment status of the goods sent to him on the spot. (1 9) At any time or at any specific time, send a "transportation status inquiry request" to the cargo tracking information management server 6 and use the "shipment identification information" such as a delivery note number as a key, using batch processing Contrast with "Transaction Information" in the Transaction Information Database 14 (preferably only using the parent-friendly information record in the state of "waiting for confirmation of collection"), and the goods tracking information management-34- (31) (31) 200405189 management server "Cargo tracking information" in the device 6 (preferably only with the goods tracking information record that has become the "collection completion"), extract new transaction cases that become "collection completion", and check the transaction information database 14 in the ' "Transaction information record" associated with the extracted transaction case was added and updated "collection completion information (including its purpose and date of collection)" 俾 set the "transaction information record" to "determined sales amount" State function. (2 0, 2 1) Draw out the transaction case that has become "collection completed" in the above collating operation, and treat the extracted transaction case as "determination of sales amount", and automatically make the transaction The "payment actuarial information" and the "transaction identification information" which are part of the transaction information of the case are transmitted to the payment processing server 5, and the "sales amount request information and the" transaction identification information "which are part of the transaction information of the transaction case The function of sending to the credit card company's joint system 4. The credit card company association system 4 has a device for realizing the functions of items (2 2) to (2 5) shown below. (2 2) If the "credit card information", e-mail address, etc., "buyer system identification information" and "transaction identification information (order number, etc.)" are received by the web server 2, the "credit card information" will be transmitted The function of the credit information processing center system 8 and the function of receiving "credit processing result information (credit confirmation information containing credit confirmation numbers or bad credit information)" by the credit processing center system 8. (2 3) If the credit information processing center system 8 receives the "credit processing result information", it will send the "credit processing result information" to the commercial system 3 together with the "transaction identification information (order number, etc.)" Features. -35- (32) (32) 200405189 (2 4) If the "credit processing result information" is received by the credit information processing center system 8, the "credit processing completed letter (information about completion of credit processing)" The function is transmitted to the buyer system 12 mentioned above. (2 5) If the commercial system server 15 receives the "Sales Request Information" and "Transaction Identification Information", it will send the necessary "Sales Request Information" to each credit card company for management at any time or on a specific deadline. Function of System 7. The payment processing server 5 is also connected to a payment exchange checkout system 20 for collecting and managing payment actuarial information of the payment exchange service that collects payment on the spot when the product is distributed, and is provided with the following (2) 6) to (2 8) function device (refer to Figure 5). (2 6) If the commercial system server 15 receives "Transaction Identification Information" and "Payment Actuarial Information", it connects to the functions of each seller. (2 7) If the "payment identification information" and "payment actuarial information" are received by the payment exchange checkout system 20, the "payment actuarial information" will be automatically changed at any time or within a specific period. The function of connecting "Actuarial Information for Payment" to each seller. (2 8) Automatically connect the credit card settlement actuarial information connected with item (2 6) and the payment exchange actuated settlement actuary information connected with item (2 7) to each seller to make a “payment actuary book” Function 0 In the function of the payment processing server 5 described above, when "payment actuarial information" is connected to each salesperson, the salesperson identification number ("salesperson identification mother number" + "The appropriate number of specific digits -36- (33) (33) 200405189 when the number"), you can use the "seller ID" as a key to link the collection. In other words, even in the case where the same seller owns multiple stores of different industries, it is easy to connect "payment actuarial information" to each seller. The cargo tracking information management server 6 has an office that is wired or wireless to the carrier. The terminal 2 1 A configured inside is connected to the carrier terminal 2 1 such as the portable terminal 2 1 B carried by the driver of the transport operator, and collects information on the collection request, delivery place, and delivery schedule on a regular or timely basis. At that time, responsible for the driver ’s name and even its identification number, and even the complete collection information or distribution completion information of the goods, which indicate the end of each stage from the storage of the goods to the delivery of the goods to the consignee. Information, etc. The message: "It is a function of storage and management of a record unit that is consistent with each transportation case (each record unit is called" Cargo Tracking Information Record "). For example, when a driver of a transportation company collects goods (goods), the driver uses the portable terminal 2 1 B to send "collection completion information" to the cargo tracking information management server 6 on the spot, and receives the information of the goods The tracking information management server 6 adds a function of "collection completion information" to "consolidation completion information" in the "cargo tracking information record" of the transportation case. In addition, it has the function of transmitting the cargo tracking information in the state of "collection completed" to the commercial system server i 5 when the commercial system server 15 receives the "request for transportation status inquiry". Credit card company management system 7 and credit processing center system 8 are computer systems managed by credit card companies and credit processing centers, respectively, and have the functions of -37- 796 (34) (34) 200405189 to perform the service business of each company Device. The credit processing center system 8 has a review of whether the purchaser can pay (credit processing) for the "credit processing inquiry" from the credit card company joint system 4 of this system 1 based on the "credit card information" sent, and includes The function of replying to bad credit information when the credit result is good or bad credit information when the credit result is "bad" (this information is also called "credit processing result information"). In addition, the credit processing center system 8 may be owned by each credit card company or entered into an exclusive credit processing contract with each credit card company and installed in the credit card company 'or connected to the credit card company management system 7 of each credit card company through a dedicated line. Jazz Internet 10 is an example of a communication network device. It can also be connected to the seller system 1 1, the buyer system 12, and the virtual store management server through other public access communication networks or dedicated line communication networks. Between 16. The seller system 1 1 is used for the entrusted settlement processing of this settlement intermediary system. In other words, it is a system managed by a customer who has a store registration (contract) who has the intention to accept the settlement agency of this settlement agency system 1. The purchaser system 12 is the purchaser who selects a credit card to settle the purchase order among the sellers who have placed a purchase order for the above-mentioned sellers (registered in the sales store). Customer service). Any of the above systems should be connected to the Internet 10, and can communicate according to Internet standard agreements such as HTTP or SSL, and have -38- 797 (35) (35) 200405189 with one or more computers Or a mobile terminal such as a mobile phone, and a viewer capable of displaying a web page sent from the web server 2 (for example, a Netscape pilot of Netscape or an Internet explorer of Microsoft) ). The virtual store management server 16 is that when the customer salesperson of the checkout intermediary system 1 selects the "link button method" as the method of confirming the purchase intention, the person connected to the checkout intermediary system 1 can access the Internet (Web) A "virtual store (online electronic store)" is opened on the Internet, and information about the buyer system 12 is transmitted and received through the "virtual store". In the "virtual shop", a "credit card checkout button" connected to the "credit processing request page" should be set, and set to press the "credit card checkout button" to jump to the "credit: processing request page". ,. However, the "virtual store" may be a virtual store opened by the seller itself, or it may be in the form of an electronic shopping mall connected to the eaves of multiple stores such as the cyber mall managed by other companies. In the following, a specific example will be used to explain one example of the credit card settlement intermediation service (credit card settlement intermediation method) that can implement the above-mentioned settlement intermediation system 1. In addition, this card uses the card settlement intermediary service (credit card settlement intermediary method) to purchase Bessex δ tolerance service (method), credit processing service (method), and payment request service (method combined with the collection completion information) ) And the same advance payment service (method) combined with the collection completion information. (Sales Store Registration) In order to accept the services provided by this settlement intermediary system i (hereinafter referred to as "the system i") -39 · (36) (36) 200405189, the seller must register with the system 1 in advance. The sales store registration usually passes a certain review, that is, the sales person is assigned a "seller identification number", and at the same time a specific "passcode" is assigned to the sales person identification number, terminal identification number, franchise store number, and sales person. The e-mail address, business name, fee table, credit card company, financial institution account number of the payment party, etc., and the seller's information are consistent with each seller and stored in the seller's information database 13. When registering at a sales store, the seller can choose one or two of the “letter confirmation method” and “link button method” as the method for confirming the purchase intention of the buyer (also referred to as the method for requesting credit investigation). When "Link Button Method" is selected, as described above, it is possible; it is set to set in the "Virtual Store" of the joint seller in the virtual store management server 16 to directly link to the "Credit Processing Request Page" "Credit card checkout button", and when the "credit card checkout button" is pressed, together with the "access request (URL) to the credit processing request page", the buyer's system identification information such as e-mail address, order date Order information such as order number and checkout amount are transmitted to the web server 2 via the Internet. ○ When the "mail confirmation method" is first used, a series of processes from confirmation of purchase intention to credit processing "payment request and payment advancement" Explain. In the case of "email confirmation method", the purchaser only needs to send the "ordering information" (including the product identification information, order number, email address, etc. of the purchaser's system, delivery location information, checkout "? * Α Γν / ϋ Ό -40- (37) (37) 200405189 method). For example, the buyer can access the "virtual store" opened by the seller online, select an item from the electronic catalog and send the "order request" online, or by e-mail, telephone, fax, mailing and other communications Method The method of transmitting "ordering information" to the seller and obtaining the information by the seller is also possible. Moreover, when the purchaser selects credit card settlement as the settlement method, the service of the system 1 described below can be accepted. The seller first designates the u R L of the "checkout site" by the seller system 11 and transmits the "access request to the checkout site (page for the seller)" to this system 1 (web server 2). After receiving the access request, the system 1 (web server 2) sends a web page with a dialog box requesting the salesperson identification number and passcode to the salesperson system 1 1. When the salesperson enters a specific "salesperson identification number and passcode" to reply, the system 1 stores it with the "seller identification number and communication code" assigned during the sales registration of the salesperson information database] _ 3 After the authentication, "the front screen information of the page for the seller" is transmitted to the seller system 1 1. At this time, the monitor of the salesperson system 1 1 will display the "front of the salesperson's page", and the "ordering information input page", "transaction information confirmation page", and "delivery order information input page" will be displayed on this screen. And each switch of "Payment Actuarial Information Confirmation Page". As soon as the salesperson presses the switch button of the "Ordering Information Input Page", the monitor of the salesperson's system 1 1 displays the identification information of the purchaser's system such as the product name, order date, order number, e-mail address, etc. -41-(38) (38) 200405189 The total amount of settlement of various expenses other than the payment of goods such as goods, consignee information, settlement method, etc., the "input field" and "confirmation, Effective button. " When the seller logs in certain items in all necessary "input fields" and presses the "confirm, actual effect button", "ordering information is transmitted to this system 1" (web server 2). The system 1 that received the "ordering information" will coherently with each order case and store them in the transaction information database 1 4 in the system 1 at the same time, and the "ordering information" will extract the electronics related to the purchaser system 12 The purchaser's system identification information, such as a mail address, etc., and the Internet 10 ’s, for the purchaser's system identification information (ie, the e-mail address), for example, "Thank you for ordering 00 (products)." Thank you very much. But Credit card settlement requires credit processing, so if you understand that credit processing begins, please press the "confirmation, actual effect button." And other text, as well as "confirmation, actual effect" embedded directly with the "credit processing request page" "Credit processing start request letter" 〇 When the buyer who received the "credit processing start request letter" presses the "confirmation and effectiveness button" in the letter, he requests to access the credit processing request page (URL) is transmitted to the system 1. The system i that received the access request extracts the purchaser's system identification information such as an email address from the access request, and inquires the transaction information associated with the purchaser's system identification information in the transaction database 14 And send the ordering information and the "Credit Processing Request Page Screen" to the buyer system 12 at a glance. Ο π ^ ΟΌι -42- (39) (39) 200405189 Then monitor the buyer system 12 "Shop name", "Order date", "Order number", "Order information such as" Total billing (including various charges other than the payment of goods such as freight) "and" Order confirmation for purchase intention or credit processing started " "Think about it" "For example," You right confirm the above order and understand the credit process. "That is, please click the" confirmation, effectiveness button "and other text below." Even when you click it, it will switch to "credit card information input." Page "" Confirmation and effect button "is also displayed. As soon as the "confirmation and effectiveness button" is pressed ', it will switch to the "credit card information input page", where the "credit card information entry field" and "confirmation and effectiveness button" for promptly inputting credit card information are displayed. When the purchaser logs in the necessary items of the "Credit Card Information Input Column" and presses the Γ confirmation and actual effect button, "^ In real time, the" credit card information "is transmitted to the credit card processing center system 8 of the relevant credit card company through this system 1, and within a thousand time (several seconds to minutes) after the transmission, the credit card processing center system 8 "Information on credit processing results (including credit confirmation information or credit information with bad credit information)" is returned to the system 1. The checkout intermediary system 1 receives the "credit processing result information" from the credit processing center system 8 and transmits the "credit processing result information" to the buyer system 12 at the same time as the "credit card information input page" screen "Credit processing result information" is displayed in. At the same time, the "credit processing result information" was transmitted to the transaction information database 14 and the "credit processing result record" of the order case was additionally updated to "credit processing result information" and retrieved from the transaction information database 14 Salesperson identification information (such as salesperson identification number) that is associated with transaction identification information such as an order number, and the sales information database at 43- (40) (40) 200405189 The seller's system identification information such as e-mails of the seller's system 1 1 and the corresponding seller's system 1 1 through the Internet 10 to send "credit processing notification letters (including order numbers and credit processing results Intention letter) j ° In addition, the "credit processing letter is sent to the buyer system 12 via the Internet 10 (if the credit result is" OK ", the letter with the purpose of order completion is included)". The seller who received the above “Credit Processing Notification Letter” will access the “Transaction Information Confirmation Page” at the checkout site and enter the “Transaction Identification Information (Order Number or Order Date, Purchaser Name, etc.)” to query the “Transaction "Information", "Transaction information" related to the "Transaction identification information" is displayed on the screen of the transaction information confirmation page, and the meaning of "Can" or "No" (bad) is displayed in the column of the credit result. After seeing the result, the seller judges whether to send the product. If a good credit result is obtained, that is, the shipment is prepared and a delivery note is prepared, the seller enters the transaction identification information such as an order number and accesses the "shipment order information input". Page ". Then, on the screen of the shipping order information input page, the transaction information (including the credit processing result) that intersects with the transaction identification information such as the order number is displayed in a list, and the "delivery note number entry column" and "confirmation, Effective button j ° When the seller logs in to the delivery note number and presses the "confirm, effective button", after receiving this system 1 (web server 2), the "delivery order information" will be sent to the transaction information database 1 4 In addition to the "Transaction-44- (41) (41) 200405189 Information Record" related to the order number, update the "Shipping Schedule Information" to make the order number and delivery note number consecutive, and change the record to "Waiting "Consolidation confirmation" status. At the same time, query the purchaser system identification information such as the email address related to the order number in the transaction information database 14 and send it through the Internet 10 pairs of matching purchaser system identification information (email address) The greeting sentence contains the order date, order number, delivery note number, product description, delivery date, etc., and the access information for the "purchasing individual goods tracking site" opened by the cargo tracking information management server 6 ( URL). When the buyer who has received the "Shipping Notification Letter" clicks on the access information (U R L) section of the "Purchasing Unit Tracking Site", he jumps to "Purchasing Unit." . "Tracking the scene", if you press the delivery note number part in this screen, you can confirm the transportation status of this transportation case on the spot, and then specify the delivery date, change the delivery location, and so on. Then, the seller will request the collection of the goods to a specific carrier, such as a carrier with a carrier terminal 21 that can be connected to the system 1 (cargo tracking information management server 6). The carrier will accept the goods and complete At the time of collection, the terminal 21A in the office of the transport operator or the portable terminal 21B of the driver of the transport operator will periodically or immediately transmit the collection information to the cargo tracking information management server 6. In addition, the cargo tracking information management server 6 adds "consolidation completion information" to the cargo tracking information record of the transportation case in turn, and changes the cargo tracking information record to a collection completion state. The commercial system 3 of this system 1 sends a request for tracking the transportation status to the cargo tracking information management server 6 at a specific time (for example, the time of -45- (42) (42) 200405189 every day), and stores the transaction information database Waiting for the confirmation of the collection in 1 4 ”The evil parent ’s“ Information Record ”and the“ Cargo Tracking Information Record ”status of the“ Consolidation Completed ”status in the cargo tracking information management server 6, such as“ delivery note number (Transportation Cargo Identification Information) "is used as a key to repeat the collation using batch processing. And the commercial system 3 of this system 1 uses the comparison operation to extract the transaction cases that have become "collection completion" and to update the "collection completion information (including the intention and the release) in the transaction information record related to the transaction case. At the time point, the transaction case is set to "determination of sales", at the same time, the advance payment processing to the seller and the sales request processing to each credit card company are automatically performed. As for the advance payment to the seller: the processing is that the payment processing server 5 receives "payment actuarial information" from the commercial system 3, and also receives the "payment actuarial information" at any time or at a specific time from the payment exchange settlement system 20. Automatically link "payment actuarial information" to each seller (seller identification mother number) at a specific time, and aggregate the actuarial payments from the checkout devices of both parties to create a "payment actuary book". In this way, the payment actuarial books settled by credit card and the payment actuary books settled by payment exchange can be centralized, and even if the seller uses multiple credit card companies, the "payment actuarial books" from multiple credit card companies can be centralized. For one. Therefore, the seller can centralize the management of payment settlement using the system 1 (specifically, the payment cancellation process). In addition, for the payment (payment) of the seller, since the system 1 will automatically and quickly advance the payment after the "sales determination", the sales -46- (43) (43) 200405189 people can Enter "Order Information" from "On-Site", for example, after 5 days, the payment will be shortened. Secondly, the situation when the seller selects the "link button method" should be explained. At this time, as described above, in the "virtual store" of the seller in the virtual store management server 16, the "credit card checkout button" directly linked to the "credit processing request page" should be set, and the " "Credit card checkout button", the access request to the credit processing request page "and the purchaser's system identification information such as e-mail address, order date, order number, and checkout amount are set to be transmitted to the Internet at one time Server 2. When the seller accesses the above "virtual shop" and selects an item from the electronic catalog and presses the above "credit card checkout button", he will directly jump to the "credit processing request page," and then the above and the "letter" > Confirmation method ", switch to" Credit card information input page ", if you enter all necessary items in the" Credit card information input field "on that page, and press the" Confirm, actual effect button ", you can enter the credit processing . [Brief Description of the Drawings] Fig. 1 is a block diagram showing an example of a system configuration for realizing the checkout intermediary system of the present invention. FIG. 2 is a pattern diagram illustrating a processing flow of a settlement intermediation system and a settlement intermediation method of the present invention. FIG. 3 is a flowchart illustrating a processing flow of a settlement intermediation system and a settlement intermediation method of the present invention. Fig. 4 is a structure diagram of "47 (checkout) 200405189" checkout site "opened on the Internet in the checkout intermediary system of the present invention. Fig. 5 is a flowchart showing the main flow from the credit processing on the web server, the commercial system and the payment processing server constituting the checkout intermediary system of the present invention to the completion of delivery confirmation to the checkout processing. Fig. 6 is a model diagram showing an example of the configuration of the previous checkout intermediation model. Fig. 7 is a pattern diagram showing an example of the configuration of the previous settlement intermediary model.
[ 符 號之 說 明 1 …信 用 卡 結 賬 仲 介 系 統， 2 * ο β …網 伺; 服 器 ·? - 3 …商 用 系 統 4 …信 用 卡 公 司 聯 合 系 統， 5 • · · …支 付 處 理 伺 服 器 5 6 …貨 物 追 踪 資 訊 管 理 伺服器 7 • * · …信 用 卡 公 司 管 理 系 統， 8 …徵 信 處 理 中 心 系 統 1 〇 ...... 網 際 網 路 ， 1 1 ...... 銷 售 人 系 統 ? 1 2 • · _ · · # 購 買 人 系 統 1 3 • · · · · · 銷 售 人 資 訊 資 料 庫， 1 4 * *·鲁·» 交 易 資 訊 資 料 庫 5 1 5 * · · · · · 商 用 系 統 5 -48 - (45) 200405189 16……虛擬店舖管理伺服器， 2 0 .....•貨款交換結算系統， 2 1 A，2 1 B……運輸業者終端機。 -49 -[Description of Symbols 1… Credit card settlement intermediary system, 2 * ο β… Web server; Server ·?-3… Commercial system 4… Credit card company joint system, 5 • · ·… Payment processing server 5 6… Cargo tracking information Management server 7 • * ·… Credit card company management system, 8… Credit information processing center system 1 〇 ... Internet, 1 1 ...... Salesman system? 1 2 • · _ · · # Purchaser System 1 3 • · · · · · Seller Information Database, 1 4 * * · Lu · »Transaction Information Database 5 1 5 * · · · · Commercial System 5 -48-(45) 200405189 16 …… Virtual store management server, 2 0 ..... • Money exchange settlement system, 2 1 A, 2 1 B ... Transporter terminal. -49-