JP5557454B2 - Commerce management device and commerce system using the same - Google Patents

Description

  The present invention relates to a commercial transaction management apparatus that manages electronic commercial transactions, a commercial transaction system using the same, and a program. In particular, the present invention relates to a commercial transaction management apparatus that can ensure the safety of a transaction by checking the transaction content by a third party other than the transaction party and holding the information, and a commercial transaction system and program using the same.

  In recent years, with the spread of communication systems and communication environments typified by the Internet, electronic commerce in which products are transferred by transmitting and receiving information on the network has become popular. Such electronic commerce has the advantage that it is possible to save time and effort to meet directly with a business partner, and that it is possible to easily and quickly conduct business with a remote partner.

  However, on the other hand, since the opportunity to actually meet with the other party is omitted, it is undeniable that both the seller and the customer are concerned about the delivery of the transaction object and the collection of the sales price.

  In this regard, in the past, as a transaction method to maintain the authenticity of the estimate and secure the transaction when negotiating based on the estimate in electronic commerce and establishing the transaction through mutual agreement, Patent Literature 1 (Japanese Patent Laid-Open No. 2002-63413) has been proposed. In this patent document 1, in order to perform e-commerce while maintaining the authenticity of the estimate, the buyer inputs an estimate request to the viewed web page, and the seller accepts the estimate request and permits only the buyer to view. A transaction method is proposed in which a quote is presented on a web page, a buyer browses it, places an order on the web page, and a seller orders it.

  Patent Document 2 (Japanese Patent Application Laid-Open No. 2004-70466) discloses an ordinary document exchange workflow system and individual applications including creation of electronic documents in order to exchange confidential data securely (safely) on a workflow. A database server that stores and manages information related to workflow control of electronic documents created by the master server and application-specific master information, a mail server that handles mail transmission / reception of document data, There is provided a document exchange system having an originality storage server that guarantees the originality of a created electronic document, and stores and manages the electronic document, and a client terminal that is connected to each server via the Internet and operated by a user. Proposed.

  In Patent Document 3 (Japanese Patent Laid-Open No. 2005-166007), as a transaction system that guarantees credit in transactions, when an orderer places an order with a contractor, the credit request is made to the credit organization, and this credit is When a notice that it is possible is returned from the credit institution to the orderer, the orderer places an order with the contractor, notifies the order to the credit institution, and the orderee who receives the order receives credit from the credit institution. When a confirmation is made and credit is proved, the contractor receives an order from the orderer, and a transaction system is proposed in which the order is notified to the orderer.

JP 2002-063413 A JP 2004-70466 A JP 2005-166007 A

  As described in Patent Document 1, in commercial transactions including electronic commerce, an estimate document is presented prior to execution of the commercial transaction, and the contents of the commercial transaction are confirmed in advance. However, such an estimate is exchanged between the parties involved in the transaction, and the contents are not confirmed and checked by a third party. In this regard, Patent Document 1 proposes to request and present an estimate using a web page in order to maintain the authenticity of the estimate, but the parties and third parties do not hold the estimate. Therefore, it is difficult to confirm the contents of the estimate at the time of the transaction or after the transaction.

  Therefore, in the present invention, a third party holds information about transaction documents such as an estimate presented in a commercial transaction, and a commercial transaction management apparatus capable of ensuring the safety of the commercial transaction by managing the information is used. The first task is to provide a commercial transaction system and program.

  In addition, the greatest concern among consumers in electronic commerce is whether or not a necessary amount of a transaction object can be actually obtained, that is, whether or not the other party (seller) has inventory necessary for the transaction. This is because, in order to conduct a commercial transaction, only a predetermined amount of the transaction target is required, and if the necessary amount cannot be acquired, the transaction itself with the seller cannot be performed in the first place.

  Therefore, in the present invention, a transaction management apparatus capable of confirming transaction information after confirming that the seller actually holds inventory for the transaction quantity, etc., and transaction using the transaction object. The second problem is to provide a system and a program.

  In addition, the greatest concern among sellers in electronic commerce is whether or not the provision price can actually be collected after providing the transaction object. In this regard, Patent Document 3 proposes a transaction system including one or more guarantors each guaranteeing a transaction between traders. In order to determine a credit related to such a provision price, In the first place, the contents of the transaction must be finalized.

  Accordingly, a third object of the present invention is to provide a commercial transaction management apparatus, a commercial transaction system using the same, and a program that can perform credit processing on the contents of a confirmed transaction and execute order processing according to the result. And

  Furthermore, in commercial transactions, provision and purchase are continuously and confused with each other, and it is desirable to judge the inventory quantity at the time of provision. For example, even if the stock for the transaction quantity is currently held, if the stock is provided to another person immediately after that, the transaction target of the previous transaction quantity cannot be guaranteed.

  Therefore, the present invention captures changes in inventory due to purchases and shipments over time, and confirms how much inventory the provider holds at the time of the transaction and can guarantee the transaction. A fourth problem is to provide an apparatus, a commercial transaction system using the apparatus, and a program.

[Commerce management device]
In the present invention, in order to solve at least one of the above-mentioned problems, a third party manages the fact that it is promised to actually provide a transaction object regarding a commercial transaction exchanged between a provider and a consumer. Provided is a business transaction management device that ensures the safety of commercial transactions.

  That is, in the present invention, it is a commercial transaction management apparatus in which a provider-side terminal and a consumer-side terminal to be traded are connected via a network, and in response to a request from the provider-side terminal, A transaction number giving means for sending a transaction number attached to the transaction information including the transaction target and the transaction volume to be transmitted and transmitting the transaction number to the provider side terminal; and a transaction target transmitted from the provider side terminal; The transaction information comparison means for comparing the transaction information including the transaction volume with the transaction information transmitted from the consumer side terminal and the transaction information including the transaction volume, and the comparison result in the transaction information comparison means Provided is a commercial transaction management device comprising transaction information storage means for storing both transaction information when a comparison result is obtained that both are the same.

  The transaction number assigning means is a code (including a symbol and a number) that is uniquely assigned for each of a plurality of business transactions that are traded between a plurality of provider side terminals and a plurality of consumer side terminals. It is a thing (identifier etc.) for specifying the said commercial transaction from inside.

  The transaction number is given for each transaction information, and the transaction information is positioned as information including at least information for specifying a transaction target and the transaction volume. The commercial transaction target (transaction target) managed by the commercial transaction management apparatus according to the present invention is not limited to a transaction form for transferring a product (whether it is paid or free), or whether the product is lent (paid or free). ) And transaction forms that provide services.

  Further, the transaction volume for these transaction targets can be defined for each mode of commercial transaction. For example, in the transaction mode for transferring a product, the transaction volume is information indicating the transfer quantity of the transaction target. Yes, in the transaction form for lending goods, the transaction amount is information indicating the loan amount of the loaned object, and in the transaction form for providing services, the transaction amount is the provider. It is possible to use information indicating the amount of time for providing the service or the quantity of goods for providing the service. In particular, if an example of the form of business providing services is shown, the available time of the provider (doctor or beautician) in the medical industry or beauty, etc. is the transaction volume, or the number of chair seats in the beauty salon is the transaction volume be able to.

  In particular, when the transaction information is quote information of a commercial transaction, the transaction number assigning means assigns an estimate number attached to the estimate information transmitted from the provider side terminal to the consumer side terminal, and The number is transmitted to the provider side terminal, and the transaction information comparing means compares the sameness between the estimated information transmitted from the provider side terminal and the estimated information transmitted from the consumer side terminal. The information storage means stores both pieces of estimated information when both are the same. Such estimate information can include, for example, information for specifying the transaction target, as well as information for specifying the transaction volume, price, delivery date, and the like.

  According to the commercial transaction management device configured as described above, the commercial transaction management device positioned as a third party holds transaction information (for example, estimate information) determined between the parties, so that the commercial transaction based on the transaction information can be performed. When any problem occurs at the time of execution, it is possible to quickly know whether there is a problem in either the provider or the consumer. Furthermore, the transaction parties exchange transaction information such as quotations with the in mind that the contents of the transaction are stored in a third-party transaction management device. Can be realized.

  Moreover, in the said commercial transaction management apparatus, it is also desirable to confirm with respect to the provider side terminal of a transaction target object whether the transaction target is hold | maintained only for the amount of transaction, and to raise the safety | security of transaction.

  That is, in the above commercial transaction management apparatus, based on the transaction information transmitted from at least one of the consumer side terminal and the provider side terminal, the remaining amount corresponding to the transaction amount for the transaction target is provided to the provider side terminal. Receiving confirmation information confirming possession of the remaining amount of the transaction volume for the transaction target from the provider's terminal and the remaining amount confirmation information transmitting means for transmitting inquiry information for inquiring whether or not As a condition, it is possible to provide a commercial transaction management apparatus comprising authentication means for transmitting authentication information about the transaction information to the provider side terminal.

  The remaining amount confirmation information transmitting means is for confirming whether or not the transaction target can be actually provided only by the transaction amount at the stage where transaction information such as an estimate is determined between the parties of the commercial transaction. Inquiry information for inquiring whether or not to retain the remaining amount of the transaction amount for the transaction target from the business transaction management device that can be positioned as a transaction target, such as e-mail, the Internet, etc. It is possible to configure the information transmission on the Web page and the transmission by other methods. In such a configuration, the transaction management device as a third party is interposed in the transaction, and as a result, the transaction content can be confirmed reliably. In addition to confirming the remaining amount of the transaction target, the payment amount (consideration) in the transaction may be confirmed with respect to the consumer side terminal. In this case, based on the transaction information transmitted from at least one of the consumer side terminal and the provider side terminal, inquiry information for inquiring the amount of consideration for the transaction is transmitted to the consumer side terminal. Payment consideration confirmation information transmitting means, and authentication means for transmitting authentication information about transaction consideration to the consumer side terminal on condition that the confirmation information confirming the payment consideration is received from the consumer side terminal The commercial transaction management device can be used.

  The authentication means also provides authentication information about the transaction information to the provider side terminal on the condition that it receives confirmation information from the provider side terminal that confirms that the transaction target has the remaining amount for the transaction volume. Is for sending. For example, it is possible to authenticate the inquiry information transmitted from the commercial transaction management apparatus by performing an encryption key of the provider or an electronic signature, and this authenticated information can be used as authentication information.

  With the configuration as described above, if the possessed amount of the transaction target and the payment amount at the time of the transaction are confirmed, it is possible to promote the reconfirmation of the commercial transaction by the transaction party and ensure the safety of the transaction. Further, by transmitting confirmation information to the provider or the consumer, the existence of the party or the contact address can be confirmed, and in this respect as well, the safety of the transaction can be ensured.

[Embodiment of Commerce Management Device]
Furthermore, the commercial transaction management apparatus according to the present invention can be accompanied by the following configuration.

  First, the commercial transaction management apparatus can be further configured to check the remaining amount of the provider to be traded. That is, a commercial transaction management apparatus in which a provider-side terminal and a consumer-side terminal to be traded are connected via a network, and a residual quantity information management means for holding the residual quantity information of a trade target held by the provider And the remaining amount information management means based on the transaction information including the transaction object and the transaction amount transmitted from at least one of the consumer side terminal and the provider side terminal, and the provider is the transaction object The remaining amount confirmation means for judging whether or not to retain the remaining amount for the transaction amount, and the judgment in the remaining amount confirmation means that the provider can conclude that the transaction target for the transaction amount is obtained. As a condition, it can be a commercial transaction management device comprising authentication means for transmitting authentication information about the transaction information to the provider side terminal.

  In the commercial transaction management device, the mode of the commercial transaction for managing the remaining amount information includes not only the transaction form for transferring the product (whether paid or free), but also the lending of the product (whether paid or free), , Including services that provide services. That is, in the transaction form in which the product is transferred, the remaining amount can be positioned as information indicating the inventory amount of the transaction object. In this case, the commercial transaction management apparatus uses the inventory amount of the transaction object in the product provider. Will manage. Further, in a transaction form in which a product is lent, the remaining amount can be positioned as information indicating an inventory amount of a loaned object that is a transaction object, and in this case, the commodity transaction management apparatus holds the product provider. This will manage the inventory of transaction objects (loans). And in the transaction form that provides services, etc., the remaining amount can be positioned as information indicating the remaining amount of goods for providing the service, or the provision time of the transaction target in the provider In the commercial transaction management apparatus, the provision time of the transaction target in the provider or the remaining quantity of the object for providing the service is managed. In particular, if you show examples of business forms that provide services, this business transaction management device can manage the available time of providers (doctors and hairdressers) in the medical industry and beauty, etc., or remain chair seats in beauty salons The quantity can be managed.

  The remaining amount information management means is configured to hold information for specifying how much the transaction target is held for each transaction target provider and for each transaction target, for example, created in a database, file, or table format Thus, it can be held in a storage means as a component of the computer. For example, in the case of the above transaction object, for each product and / or service provider, the inventory amount of the transaction object that is the transaction object, the inventory amount of the loan object that is the transaction object, the provision time of the transaction object in the provider It can be configured as a record of information such as the remaining quantity of goods for providing services.

  In particular, it is desirable to manage the remaining amount of the transaction target held by the remaining amount information management means for each date and / or time. That is, it is desirable that the remaining amount information management means retains information on the items of the transaction target provider, transaction target, date and / or time, and remaining amount. And if you hold information about such items, search for information recorded in any of these items, preferably the provider of the transaction, the transaction target, and any of the date and / or time items It is desirable that the record or file can be searched as a key.

  By recording the remaining amount of the transaction object for each date and / or time, it is possible to know the remaining amount at the transaction date and time, thereby enhancing the sense of security on the consumer side that the transaction can be made reliably. Furthermore, the remaining amount of the transaction object for each date and / or time is maintained and managed by a third-party transaction management device rather than the transaction party of the provider or customer, thereby ensuring the safety of the transaction. It can be further enhanced.

  Further, the remaining amount information management means holds information about the transaction target provider, the transaction target, the date and / or time, and the remaining amount item, and searches the information recorded in the item as a search key. As described above, when the record or the file in which such information is recorded can be searched, for example, it is possible to search for a provider holding a necessary remaining amount at any time. In this case, it is desirable that the remaining amount information management unit that records the item is installed so that it can be browsed and searched from the consumer side terminal.

  The remaining amount confirmation means obtains transaction information transmitted via the information communication network from the consumer side terminal, the provider side terminal, or the consumer side terminal and the provider side terminal, and based on the transaction information With reference to the remaining amount information management means, the provider is configured to determine whether or not the provider has a remaining amount corresponding to the transaction amount. Since the remaining amount confirmation means makes such a determination, the transaction information to be acquired needs to include the transaction object and the transaction volume. Therefore, at least a transaction as an input item of the transaction information requested to any terminal. It is necessary to include the target and its transaction volume. This transaction object and its transaction volume are the same as the transaction object and its remaining amount, the inventory amount of the transaction object that is the transaction object, the inventory amount of the loan object that is the transaction object, the provision time of the transaction object in the provider , The remaining quantity of goods for providing services. In addition, in the transaction form in which goods are transferred or lent, the transaction object is the transaction object itself, and the same type of transaction object is associated with the same type of application or function. It is also possible to manage the transaction quantity and the remaining quantity of goods.

  Therefore, in the commercial transaction management device according to the present invention, it is desirable to manage the remaining amount of the transaction target in the transaction for each date and time. In such a commercial transaction management device, the transaction information transmitted from at least one of the consumer side terminal and the provider side terminal further holds transaction deadline information defining a transaction deadline or a transaction date, and the remaining amount The confirmation means can be configured to determine whether or not the provider holds the transaction target for the transaction amount based on the remaining amount of the transaction target held by the provider at the transaction deadline or the transaction date. .

  The transaction deadline information is information indicating the date on which a commercial transaction is actually performed, and can be made different in addition to the date of provision of goods and services and the payment date of consideration. In addition, when setting the due date of a product or service, it is “date” information that defines when the product to be traded is provided (or when the service to be traded is provided), and by when It can also be “time limit” information that defines whether to provide a product (or to provide a transactional service). In particular, when the information is due, the remaining amount confirmation means determines whether or not the total remaining amount at any point in time until the due date becomes the transaction amount.

  Such management of the remaining amount can be managed by the commercial transaction management device as described above, but in the commercial transaction management system using the commercial transaction management device, it can also be performed by the provider side terminal.

  Further, in the commercial transaction management device according to the present invention, when it is determined by the remaining amount confirmation means that the provider has a transaction target for the transaction amount, the transaction target in the remaining amount information is obtained. It is desirable to provide a transaction amount provisioning means for subtracting the transaction amount from the remaining amount and assigning the transaction amount to the transaction information.

  This means for allocating the amount of transaction is to secure the amount of the transaction when the transaction content is confirmed earlier in electronic commerce and prevent it from being diverted to the subsequent transaction. Can be secured for the transaction volume. For example, the transaction volume allocation means subtracts the transaction volume determined by the transaction from all the remaining volume for the transaction object held by the provider, and, among all the remaining volume for the transaction object held by the provider, It is conceivable to attach a code such as a flag to the remaining amount for which the transaction is confirmed and associate it with the confirmed commercial transaction.

  According to such a commercial transaction management apparatus, since a transaction target is reliably ensured for a commercial transaction that has been once confirmed, it is possible to eliminate anxiety regarding commercial transactions among consumers.

  However, in such a commercial transaction management device, even after the transaction amount is allocated to the transaction information determined by the transaction amount allocation means, the determined transaction information (for example, the estimate content) is discarded if both parties agree. It can be configured to be possible. At that time, in order to prevent the transaction information that has been confirmed by impersonation from being destroyed, the consent of the customer to “discard” also requires the customer to be given an encryption key or an electronic signature. It is desirable to do.

  Further, in the commercial transaction management apparatus according to the present invention, the transaction information further includes information indicating a consideration to be provided for the transaction, and further includes a credit judgment means for judging whether or not a consumer has a payment capability of the offer consideration, and the credit It is desirable to provide an ordering means for performing an ordering process on the transaction information when the provided consideration is equal to or less than the credit limit in the result of the credit judgment based on the judgment.

  As such credit judgment means, credit information in a third-party organization such as a credit card issuing company can be used. In this case, in the business transaction exchanged between the parties, the third-party organization concerned. It can be configured as a means for confirming the credit of a consumer with a credit institution (such as a credit company or a credit guarantee company). In other words, information necessary for credit judgment is transmitted to a third party through a network such as the Internet or using CAFIS (Credit And Finance Information Switching system), and the result is received as electronic information. It can be embodied as a configuration for this purpose. Furthermore, as this credit judgment means, credit can be judged from the transaction history (transaction performance etc.) of the consumer in the commercial transaction. Thus, when judging credit from the transaction history, it is natural that it is necessary to manage the history information for each trader and to store the results of actual commercial transactions.

  By providing the credit judging means as described above, the provider can surely know the collection of the consideration for the provision of the transaction object, and thereby the safety of the commercial transaction can be achieved.

  The transaction management device according to the present invention is a transaction number giving means for giving a management number of transaction information to be transmitted to a consumer side terminal to a provider side terminal, and a transaction transmitted from the provider side terminal. It is desirable to provide transaction information comparison means for determining the identity of transaction contents in the information and transaction information transmitted from the consumer side terminal.

  That is, in the commercial transaction management device, a transaction number for the transaction party and the commercial transaction management device to manage the transaction information is assigned, and the transaction information exchanged by the transaction party is managed using this transaction number as an index, and the transaction content This is to check whether there is no mistake. By managing the transaction contents even in a commercial transaction management apparatus positioned as a third party, the transaction parties can conduct commercial transactions with peace of mind.

[Electronic commerce system]
And in this invention, in order to solve at least any one of the said subject, the electronic commerce system comprised using the said commerce management apparatus is provided.

  That is, it is an electronic commerce system that conducts commercial transactions by electronic commerce, and a consumer side terminal that transmits and receives information for purchasing a transaction target by electronic commerce and a provider side terminal that transmits and receives information for providing the transaction target by electronic commerce And a commercial transaction management device that manages transaction information transmitted and received between the provider side terminal and the consumer side terminal, and the commercial transaction management device according to the present invention is used as the commercial transaction management device. E-commerce system.

  In such a commercial transaction management system, since a commercial transaction management device can manage and check transaction information exchanged between a provider and a consumer as a transaction target, a virtual space formed on a network such as the Internet. The anxiety about the electronic commerce exchanged in can be solved.

  In the commercial transaction management system, the provider side terminal includes transaction information presenting means for presenting transaction information with a first encryption key to the consumer side terminal, and the consumer side terminal is a consumer It is desirable to provide transaction information confirmation means for receiving and decrypting the transaction information transmitted from the terminal on the side and transmitting it to the commercial transaction management apparatus with at least one of the second encryption key and the electronic signature.

  Transaction information in this embodiment includes transaction information exchanged prior to execution of a commercial transaction, such as information described in a general estimate (information such as transaction target, transaction quantity, transaction price, transaction deadline, etc. After confirming the estimated information transmitted from the provider side terminal with the consumer side terminal and approving or confirming the written information, the second encryption key and the electronic signature are added to this. Any one is attached and transmitted to the commercial transaction management apparatus. As a result, the transaction management apparatus can know the transaction details approved or confirmed on the consumer side, and can thereby know the transaction details determined between the parties.

  Further, in the commercial transaction management system, the provider-side terminal determines a transaction target from a remaining amount information management unit that holds a remaining amount of a transaction target that is held, and a remaining amount of a transaction target that the remaining amount information management unit holds. The provider side terminal is provided with an opportunity (that is, a start condition) that the remaining amount provision means allocates the transaction amount for the transaction target. The transaction information including the transaction target and the transaction amount can be transmitted to at least one of the consumer side terminal and the commercial transaction management device.

  That is, management of the remaining amount of the transaction object, for example, inventory management of the transaction object is performed at the provider side terminal. In this case, the remaining amount may be managed by the commercial transaction management device. Since the remaining amount of the transaction object is information that is clearly grasped by the provider side, updating the information, etc., if the remaining amount is retained in the provider side terminal managed by the provider side Can be performed reliably. Further, when negotiating a transaction with a consumer, the remaining amount can be confirmed and presented to the consumer side terminal without going through the commercial transaction management device.

  However, as long as it is a provider side terminal connected to the commerce management apparatus via the network, it is optional whether the remaining amount is managed by the provider side terminal, the commerce management apparatus, or both. It can be.

  Further, the commercial transaction management system may be configured to make a credit judgment prior to ordering processing in order to guarantee the anxiety of the provider in the commercial transaction, that is, the collection of the compensation for the provision.

  That is, in the commercial transaction management system, further comprising a credit confirmation device connected to at least one of a provider side terminal and a consumer side terminal via a network, the credit confirmation device includes a provider side terminal and a consumer side Based on the credit confirmation information transmitted from at least one of the terminals, the consumer's credit for the transaction information is determined, and the determination result of the credit is transmitted to the provider side terminal. On the condition that credit is given in the determination result, an electronic commerce system including an ordering unit that performs an ordering process for the transaction target corresponding to the allocated transaction amount may be provided.

  As such a credit check device, a device provided with the above-described credit judgment means can be used, and for example, a device that holds credit information in a third party such as a credit card issuing company can be used. In this case, in a business transaction exchanged between the parties, information for confirming the credit of the consumer is transmitted to a credit organization (such as a credit company or a credit guarantee company) which is the third party organization. . Further, the credit judgment means can be configured as a device for judging credit from the transaction history of the consumer in the commercial transaction. Thus, when judging credit from the transaction history, it is natural that it is necessary to manage the history information for each trader and to store the results of actual commercial transactions.

〔program〕
In order to solve at least one of the above problems, the present invention provides a program executed by a computer.

  That is, on the computer to which the provider side terminal and the consumer side terminal are connected via the network, in response to a request from the provider side terminal, the transaction information including the transaction target and the transaction volume is sent to the consumer side terminal. A transaction number giving step for giving a transaction number attached when transmitting to the provider side terminal and transmitting the transaction number to the provider side terminal, transaction information including the transaction target and the transaction volume transmitted from the provider side terminal, A comparison between the transaction information comparison step for comparing the identity of the transaction object transmitted from the consumer side terminal and the transaction information including the transaction volume, and the comparison result in the transaction information comparison means that they are the same. When a result is obtained, it can be set as the program which performs the transaction information preservation | save step which preserve | saves both transaction information.

  If a computer into which such a program is installed is installed on a network, the electronic commerce system can be constructed using the computer as a central server. As a result, the above-described commercial transaction can be secured.

Moreover, in this invention, the program which can manage the remaining amount of transaction object on the provider side is provided.
That is, in the computer connected to the network, the remaining amount information management step for managing the remaining amount of the transaction target held by the remaining amount information management means, and the transaction information transmitted to the consumer side terminal to the commercial transaction management device A transaction number acquisition step for requesting a transaction number to be attached and receiving the transaction number, and attaching transaction numbers, and providing transaction information including transaction targets and transaction volumes to the provider side terminal and the commercial transaction management device. And a transaction information transmission step for transmitting and confirming transaction details.

  If a computer equipped with such a program is used as the provider side terminal, the central server only needs to assign a transaction number and check transaction information, and problems caused by using the network, such as network failure, communication speed, etc. It is possible to solve the problem caused by network congestion (network congestion) or the problem of increased load on the server device. Then, the transaction details can be confirmed between the parties, whereby the transaction details can be negotiated between the parties in the same manner as in a normal commercial transaction, and only the confirmed information can be managed by the central server.

  Such negotiation of transaction contents between the parties involved in the transaction can be performed using means capable of two-way communication such as e-mail and chat, which is a communication means on a computer network. The negotiation can be performed through a server using a business transaction management device or the like, but it is desirable to have a peer-to-peer network configuration in which an unspecified number of computers are connected to each other.

  Further, in the above program, the transaction information transmission step is performed on the condition that the transaction amount for the transaction target is allocated, and the transaction target and the transaction amount for at least one of the consumer side terminal and the commercial transaction management device. It can also be configured to send transaction information including

  If configured in this way, the transaction details of the transaction amount related to the transaction information are determined by finalizing the transaction details in advance by negotiation between the parties involved, and then determining the transaction information by assigning the remaining amount of the transaction target. Can be ensured.

  In addition, the provider terminal can also provide a virtual store that opens on the network. Such a virtual store can be provided as a “two-dimensional Web store” expressed by two-dimensional image data or the like, or a “three-dimensional Web store” expressed by three-dimensional data such as a polygon. On the consumer side, 2D Web stores can be viewed with a widespread ordinary Web browser, and 3D Web stores can browse the metaverse (electronic 3D space) represented by polygons. A browser (hereinafter referred to as “3D browser”) is used. This 3D browser can provide a communication function in addition to realizing a walk-through display by reading 3D world data expressed by polygons from a network.

  Further, in this case, the provider side terminal can perform maintenance of a two-dimensional Web store or a three-dimensional Web store. In this maintenance, the maintenance related to the two-dimensional Web store only includes design customization of the two-dimensional Web store, page customization, addition of words, etc., which can be performed from a Web browser (2D browser). Maintenance related to only the 3D Web store includes customization of the terrain in the metaverse, layout of buildings / furniture / furniture, product display, etc., which can be performed from a browser capable of displaying 3D data. And maintenance related to both 2D Web stores and 3D Web stores include, for example, store information setting (store name, description, store category, etc.), store clerk registration, etc. Can be done from a web browser.

  Further, in the above case, the provider side terminal operates a virtual store, as a product management business, product registration processing, image registration processing, as sales / ordering management business, order history management, results aggregation / Output processing as customer management business, customer registration processing, search processing, editing processing, customer response business, real-time estimate presentation processing, history management processing, inquiry response processing as reservation management business, reservation search processing, It can be configured to provide registration processing and editing processing.

  Further, the provider side terminal can be configured to read and display the product image held by the provider side terminal in the estimate sheet displayed on the consumer side terminal. That is, in many cases, image data for use on the product description Web page is stored in the provider's terminal, and can be copied and stored in the data area for the estimate. .

  Further, according to the present invention, a remaining amount information management step for retaining remaining amount information held by the product provider on a computer to which the provider side terminal and the consumer side terminal are connected via the network; The remaining amount information management means is referred to based on the transaction information including the transaction object and the transaction amount transmitted from at least one of the terminal and the provider side terminal, and the provider determines the transaction object for the transaction amount. In the terminal on the provider's side, provided that the provider can conclude that the provider has a transaction target for the transaction volume based on the remaining volume confirmation step to determine whether or not to hold the transaction and the determination in the remaining volume confirmation step. An authentication information transmission step of transmitting authentication information about the transaction information is executed.

  That is, in the commercial transaction management system, the program is a program for managing the remaining amount to be traded by the central server. By implementing such a program in the business transaction management device, it is possible to save the trouble of managing the remaining amount of the transaction target between the parties involved in the transaction, and which provider holds the remaining amount. It can also be made public.

  According to the present invention, the third party holds information that can be described in transaction documents such as quotations presented in a commercial transaction, and the business transaction management that can ensure the safety of the commercial transaction by managing this information An apparatus, a commercial transaction system using the apparatus, and a program can be provided.

  In addition, with regard to the object to be traded, a commercial transaction management device capable of confirming transaction information after confirming that the seller actually has inventory for the transaction quantity, etc., and a commercial transaction system using the same, and A program can be provided.

  Further, it is possible to provide a commercial transaction management apparatus, a commercial transaction system using the same, and a program that can perform credit on the content of the confirmed transaction and execute order processing according to the result.

  In addition, it is possible to hold a change in inventory due to purchase, shipment, etc. in association with a change in time, and to make a transaction after confirming how much inventory the provider holds at the time of the transaction A management apparatus, a commercial transaction system using the management apparatus, and a program can be provided.

Schematic diagram showing the overall configuration of the business transaction management system according to the present embodiment Block diagram showing the hardware configuration of the computer Data flow diagram showing the flow of processing in the business transaction management system Flow chart showing the outline of the overall processing in the business transaction management system Flow chart showing the flow of estimate creation processing Flow chart showing the flow of payment processing Schematic diagram showing an example of the structure of each data

  Embodiments of the present invention will be described below with reference to the accompanying drawings. FIG. 1 shows the overall configuration of a commercial transaction management system according to this embodiment, and FIG. 2 is a block diagram showing the hardware configuration of a computer. FIG. 3 is a data flow diagram showing a flow of processing in the commercial transaction management system, FIG. 4 is a flowchart showing an overview of overall processing in the commercial transaction management system, and FIG. 5 is a flowchart showing a flow of estimation creation processing. FIG. 6 is a flowchart showing the flow of payment processing, and FIG. 7 is a schematic diagram showing an example of the configuration of each data.

  First, a commercial transaction management system according to this embodiment will be described with reference to FIG. The commercial transaction management system in this example includes a central server 10, a credit server 20, a customer side terminal 30, and a provider side terminal A that are connected so as to transmit and receive information bidirectionally via a network such as the Internet. (40A) and provider side terminal B (40B). However, as a matter of course, in the actual system, there are a plurality of customer side terminals 30 and provider side terminals A (40A) and B, and this is shown in a simplified manner in FIG.

  These components are all configured using a computer, and can be configured as a hardware configuration as shown in FIG. 2, for example.

  Specifically, the computer 800 constituting the central server 10, the credit server 20, the consumer side terminal 30, the provider side terminal A (40A), and the provider side terminal B (40B) is as shown in FIG. , CPU 801, memory 802, audio output device 803, network interface 804, display controller 805, display device 806, input device interface 807, keyboard 808, mouse 809, external storage device 810, recording medium drive device 811, recording medium interface 812, And a bus 813 that connects these components to each other.

  The CPU 801 executes each program under the control of an operating system (hereinafter referred to as “OS”) and controls the operation of each component of the computer 800, and the central server 10, the credit server 20, and the customer side terminal 30 described later. Each function of the provider side terminal A (40A) and the provider side terminal B (40B) is exhibited.

  The memory 802 is generally composed of a ROM (Read Only Memory) that is a nonvolatile memory and a RAM (Random Access Memory) that is a volatile memory. The ROM stores a program that is executed when each function described later in the commercial transaction management system according to the present embodiment is performed. The RAM stores a function or process in each computer that is executed by the CPU 801. In addition, a program for realizing it and data used during the execution of those programs are stored.

  The external storage device 810 is, for example, a storage device such as a hard disk drive (HDD), in which a program and data for executing processing to be described later are recorded. Loaded into the RAM. Storage means for storing programs for performing various processes, various data, and the like corresponds to the external storage device 810.

  The recording medium driving device 811 accesses a recording surface of a portable disk type recording medium 830 such as a CD (Compact Disc), an MO (Magneto-Optical Disc), or a DVD (Digital Versatile Disc), and records on the recording surface. It is a device that reads the recorded data. The recording medium 830 can also record various programs and data to be described later.

  The audio output device 803 is a device that outputs audio, such as a speaker, and the network interface 804 is an interface for connecting to various networks 820 such as the Internet and Ethernet (registered trademark).

  The display controller 805 is a dedicated controller for actually processing a drawing command issued by the CPU 801. The drawing data processed by the display controller 805 is once written in the graphic memory, and then displayed on an LCD or CRT as a display device. Output to the configured display 806.

  The input device interface 807 receives a signal input from the keyboard 808 or the mouse 809 and transmits a predetermined command corresponding to the signal pattern to the CPU 801. The keyboard 808 and the mouse 809 are connected to the CPU. Necessary for giving a predetermined command.

  A program for realizing (or constructing) the commercial transaction management system according to the present invention is transferred from a predetermined server on the network to the external storage device 810 via the network 820 and the network interface 804 as another distribution form. It can be stored or executed directly. The program stored in such a route is loaded into the RAM of the memory 802 at the time of execution and executed as described above.

  The recording medium interface 812 is connected to a portable memory type recording medium 840 including a semiconductor memory (for example, a flash memory) such as a USB memory, an SD memory, or a memory stick through a connection terminal or the like, and data recorded therein is transferred. It is a reading device. As with the disk-type recording medium 830, the recording medium 840 can store a program for realizing the commercial transaction management system according to the present invention.

  In the computer having the above configuration, particularly regarding the consumer side terminal 30, the provider side terminal A (40A), and the provider side terminal B (40B), for example, a computer device 800 generally marketed as a personal computer, A peripheral device that can be connected to this can be used.

  Next, each function and holding of the central server 10, the credit server 20, the consumer side terminal 30, the provider side terminal A (40A), and the provider side terminal B (40B) having the hardware configuration as described above. The data to be performed will be described with reference to FIG.

  In particular, in the present embodiment, an example of an electronic commerce system that supports a commercial transaction in a mode of transfer of a product is shown in which a transaction target is a product. Then, an example is shown in which estimate information for transferring a product is obtained as transaction information in such a commercial transaction, and an ordering process is performed based on the estimate information.

  In the configuration shown in FIG. 1, the central server 10 functions as a commerce management device, that is, exchanges are made between the provider side terminal A (40A) or the provider side terminal B (40B) and the consumer side terminal 30. It functions as a device for confirming or approving the contents of the electronic commerce transactions, particularly the contents of the estimate information. In addition, when the central server 10 performs electronic commerce using this network system, the central server 10 negotiates commerce between users (that is, between a provider and a consumer) It has a function of issuing a transaction ID when confirming transaction information such as estimate information, and a function of storing confirmed transaction information.

  The central server 10 having such a function holds user information (synonymous with “user data”) in order to manage whether or not the user can use this system. In order to manage the user information, as shown in FIG. 7B, at least the user code is a primary key, and additional information such as a company code, a user name, an e-mail address, an account ID, and a password Are stored in a storage means (such as an external storage device 810). Such user information can be stored in different information depending on whether to participate as a provider or to participate as a purchaser.

  In addition, the central server 10 receives transaction information (synonymous with “transaction data”) such as an estimate exchanged between the provider side terminal 40 and the receiver side terminal until ordering / ordering processing and settlement are performed. Data holding means for holding is provided. Such data holding means can be provided with, for example, a table, file or database in which information about items as shown in FIG. 7A is stored in the storage means of the computer constituting the central server 10. In particular, in the example shown in FIG. 7A, with the slip code as the primary key, the store code and customer code as the transaction parties, and the product name, product code, unit price, and quantity information for specifying the transaction content are retained. Further, it is possible to record a delivery destination code that can be used in actual ordering / ordering processing, etc., and to record a company code. Here, the store code and the customer code can correspond to the user code in the user data, and the slip code can be a code corresponding to an estimate number in the processing described later. Further, when creating the transaction data, information indicating transaction details (for example, information such as product name, product code, unit price, quantity, etc.) can be separately formed as transaction details data.

  Then, the central server 10 holds a table, file or database for storing the confirmed transaction information in the storage means which is a component thereof. Specifically, for example, as shown in the purchase history data in FIG. 7E, the purchase history code is used as a main key, and transaction information associated therewith, for example, a company code, purchase date, slip code, store code, user Code, total amount, billing amount, etc. can be recorded. In particular, the transaction content can be easily confirmed by referring to the transaction data based on the slip code.

  Then, in response to a request from the provider side terminal 40, the central server 10 is given a transaction number (such as an estimate number) for attaching to transaction information (for example, estimate information) sent to the consumer side terminal 30. And the comparison is made with the transaction information transmitted from both the provider side terminal 40 and the consumer side terminal 30. A program for executing a process for storing the transaction information is introduced.

  Further, the credit server 20 determines a credit in response to a request for credit judgment for the consumer transmitted from at least one of the provider side terminal 40 and the customer side terminal 30, and the judgment result of the credit is The data is transmitted to the provider side terminal 40 via the consumer side terminal 30 or directly. As the credit server 20, a credit judgment device operated in a credit company, a credit guarantee company, a bank, or the like can be used.

  The provider side terminal A (40A) and the provider side terminal B (40B) (these are also simply referred to as “provider side terminals 40”) and the consumer side terminal 30 can be connected to a network such as the Internet. The configuration includes a configuration in which the provider side terminal 40 and the consumer side terminal 30 can exchange information for a commercial transaction with each other via a network.

  The provider side terminal 40 is independently operated and managed on the provider side, and each of the provider side terminals 40 has a transaction object that can be provided by itself and a holding amount (that is, a remaining amount) for each transaction object. The provider-side terminal 40 stores inventory data having items as shown in FIG. 7C and product data having items as shown in FIG. 7D in a table, file, or database format. This can be realized by holding the means. As the inventory data, the product code can be used as a main key, and the remaining amount of the product code (the product with the mark) can be held, and the company code information can be held as necessary. In addition, as the product data, the product code is the primary key, and in addition to the product name, price, product detailed information, etc., information suitable for use in negotiations in actual business transactions, such as minimum price and consumption tax amount, etc. In addition, accompanying information such as a company code can be described.

  The provider side terminal 40 is provided with a transaction number that is attached to transaction information such as an estimate for managing a transaction object and its transaction volume that are currently transactable and confirming a transaction with a consumer. , A program for requesting the central server 10 to receive it, assigning a transaction object for the transaction volume, and transmitting the transaction information with the transaction number to the provider terminal 40 and the commercial transaction management device Is introduced.

  The provider side terminal B (40B) has a configuration or a device for managing the remaining amount (inventory amount) on the provider side terminal 40 side. In the provider side terminal A (40A), A configuration or device for managing the remaining amount (inventory amount) is not provided, and the management of the remaining amount (inventory amount) can also depend on the central server 10. As described above, when the central server 10 manages the remaining amount (inventory amount) in any of the provider side terminals 40, it is necessary to provide at least the inventory data in the storage unit of the central server 10. In this case, it is desirable that product data describing a product code referred to by the inventory data is also provided in the central server 10. The provider terminal 40 can also hold past purchase histories and the like. In this case, the computer 800 constituting the consumer side terminal 30 can also store the purchase history data as shown in FIG. However, in consideration of risks such as information leakage, it is desirable that the purchase history data be managed by the central server 10 as described above.

  The customer side terminal 30 must be connected to at least a network such as the Internet, and needs to have a program (for example, a program such as a Web browser) that can acquire or view information. Can also be held. In this case, the computer 800 constituting the consumer side terminal 30 can also store the purchase history data as shown in FIG. However, even in this case, it is desirable that the purchase history data is managed by the central server 10 as described above in view of risks such as information leakage.

  The central server 10, the credit server 20, the customer side terminal 30, and the provider side terminal 40 configured as described above cooperate with each other in issuing a quote when transferring a product, checking the quote, and storing the quote. I do. The flow of this process will be described with reference to FIGS.

  FIG. 4 shows a flow of this series of processing. First, the provider side terminal 40 which is a product provider and the consumer side terminal 30 which is a consumer are user IDs and passwords in the central server 10. By verification, authentication that the user is using the system is acquired (not shown). By acquiring this authentication, the consumer can use the customer side terminal 30 to access the provider side terminal 40 operated by each of the plurality of existing providers via the network. Negotiations can be made with 40 for commercial transactions (in this case, transfer of goods). This negotiation may be performed via each terminal such as chat and e-mail, or may be performed without using the terminal such as a telephone or a facsimile. However, even when conducting a business transaction by telephone or voice chat, at least the customer side terminal 30 displays estimate information as transaction information so that the contents can be confirmed visually as well as by voice. It is desirable to keep it. In this way, by displaying on the consumer side terminal 30 images that can be visually confirmed as well as voice, it is possible to eliminate misunderstandings such as mistakes in commercial transactions.

  In actual negotiations, the customer and the provider can negotiate the necessary products, the necessary amount of the products, the delivery date, the price, and the like. In this negotiation, the provider can present the delivery date and the quantity that can be delivered by referring to the inventory data held by the provider side terminal 40, and also the information on the lowest price held in the product data for the sales price. It can be identified by reference. Furthermore, the merchandise provider and the consumer can refer to the historical data held by the central server 10 and determine the validity of the current transfer consideration and quantity from the past sales record and purchase record. is there.

  In such negotiations, it is possible to grasp the details of negotiations by presenting an estimate. Therefore, the provider side terminal 40 starts processing for creating an estimate as such transaction information. At the start of the estimate creation process, the provider side terminal 40 first requests the central server 10 to issue an estimate number and receives it. Such an estimate number can be used as a common index when confirming the transaction contents in the provider side terminal 40, the consumer side terminal 30, and the central server 10. Requests and receipts for issuing an estimate number can be sent and received in the form of an e-mail, or can be made via a Web browser.

  The process for creating, confirming, confirming and saving the estimate will be described with reference to FIGS.

  First, as shown in the data flow diagram of FIG. 3, first, the provider side terminal 40 requests the central server 10 to issue an estimate number prior to the creation of the estimate. In response to this request, the central server 10 issues an estimate number to the provider side terminal 40. The estimate number issued here is a unique value, and this value can be issued by the program processing in the central server 10 without any operator processing. The provider side terminal 40 creates an estimate with this estimate number, and further uses the estimate signed in the first secret key held by the provider side terminal 40 (an estimate in electronic data format) as a consumer. To the terminal 30. The customer side terminal 30 decrypts the quotation encrypted with the first secret key with the first public key, and confirms the contents of the quotation. In addition, in the estimate information transmitted to the consumer side terminal 30, the estimate number given by the central server 10 is described as a matter of course. In the consumer side terminal 30, after confirming the contents of the estimate, if it can be approved, the information on the acceptance side is transmitted to the provider side terminal 40. Confirmation of acceptance of the estimate content is not limited to information communication between electronic terminals, but can be performed by telephone or facsimile. If the contents of the quotation cannot be approved, the provider is notified of this, and a request to create and issue a quotation is issued again. For the reissued estimate, the estimate number previously given from the central server 10 may be used, or a new estimate number may be requested separately.

  In the provider side terminal 40, after the consumer's consent is obtained, the central server 10 signs the estimate with the same content as the estimate information previously provided to the provider side terminal 40 with the same first secret key. Send to. On the other hand, in the customer side terminal 30, the quotation sent from the provider side terminal 40 is first decrypted with the first public key, and after confirming the contents, the customer side terminal 30 holds it. The second private key is signed again and transmitted to the central server 10.

  The central server 10 decrypts the estimate in electronic data format transmitted from the provider side terminal 40 with the first public key, and decrypts the estimate sent from the consumer side terminal 30 with the second public key. Then, check the identity of the contents of both quotations. If the identity is confirmed, the central server 10 notifies the provider side terminal 40 that preparation for finalizing the estimate is complete. In this notification, an e-mail or the like holding information indicating that the estimate number and estimate confirmation preparation is completed is transmitted, or a file or index of the estimate sent from the provider side terminal 40 to the central server 10 ( Or the title), an identifier indicating that the preparation for finalizing the estimated content is completed can be displayed.

  The provider side terminal 40 receives information from the central server 10 that preparation for the confirmation of the estimate has been completed, and notifies the customer side terminal 30 accordingly. For this notification, as a matter of course, a method using communication between terminals such as e-mail or chat may be used, or a telephone or facsimile may be used. The consumer side terminal 30 stores the estimate sent from the provider side terminal 40 at the stage of receiving the information on the confirmation of the estimate from the provider.

  In the above processing, the secret key and the public key are encryptions of information transmitted by the first secret key and the first public key, and the second secret key and the second public key, which are uniquely matched to each other. Information that is encrypted and decrypted, the key used for encryption and the key used for decryption are separated, and the key used for encryption cannot be decrypted, and it is easy to determine the other from one This information is configured so that it cannot be performed. It is also possible to use a public key that has been published for encryption and use a secret key for decryption. In this case, the owner of the key can manage only the key used for decryption so that others do not know it, and can disclose the key used for encryption.

  Through the above processing, the estimate issued by the provider side terminal 40 has the signature of the first private key in the provider, so it can be confirmed that the provider has issued it without fail, and the customer can estimate The contents of the certificate can be confirmed, and it can be confirmed by the signature of the second secret key at the consumer that the agreement has been made. And since the estimate document (ie, the estimate content) established between the provider and the consumer is stored not only by the provider and the consumer but also by the central server 10, the credibility of the confirmed transaction content is guaranteed. In addition, it is possible to refer from anywhere by specifying the estimate number.

  Next, the process flow in the provider side terminal 40 in the process of creating an estimate as described above and finalizing the contents, particularly the process of allocating inventory will be described with reference to the flowchart of FIG.

  First, prior to starting negotiations for transfer in a commercial transaction, for example, user information is collated in the central server 10 via the Internet as described above, and with a customer who has accessed the provider terminal 40 after login. Negotiations and hearings on business transactions using chat, e-mail, telephone, facsimile, etc. When an estimate is created in this negotiation, the estimate creation process is started. Communication between the provider-side terminal 40 and the consumer-side terminal 30 after login, such as the creation and presentation of such an estimate, can be performed in a peer-to-peer manner, thereby avoiding the use of a protocol called HTTP. Real-time exchange can be performed more reliably. In this estimate making process, the provider side terminal 40 manages inventory information managed by the provider side terminal 40 in order to confirm whether or not the transaction amount (transfer quantity) of the product to be traded is held as inventory. To determine whether or not the inventory of the product to be traded is sufficient. If the stock quantity is insufficient, the process returns to the quotation creation start stage or the negotiation stage with the customer again. On the other hand, when the inventory quantity is sufficient, an allocation process for allocating the inventory for the transaction quantity in the negotiation to the transaction is performed. If the allocation process is not performed for some reason, the process returns to the estimate creation start stage or the negotiation stage with the customer again in the same manner as in the case of the shortage of inventory. Then, when the inventory allocation process is successful, an estimate is prepared and transmitted to the consumer side terminal 30 by the above procedure. When the consumer agrees with the estimate content, as described above, the estimate content is determined by the process with the central server 10 interposed, and the estimate is stored in the trader side terminal and the customer side terminal 30. . On the other hand, if the customer side does not agree to the contents of the estimate, the prepared estimate is discarded and the previously allocated inventory quantity is released.

  By carrying out the processing as described above, since the inventory corresponding to the transaction quantity is allocated prior to the creation of the estimate, it is ensured that the consumer can reliably secure the product to be traded. In addition, the inventory management on the provider side can also allocate the inventory in consideration of not only the currently available inventory quantity that can be provided, but also the arrival quantity of the transaction target products that will arrive in the near future. In this case, details such as the delivery date can be described in an estimate in electronic data format, and can also be confirmed by negotiation between the parties via chat or telephone.

  FIG. 6 shows the flow of the actual ordering process after the estimate is created by such processing, the contents are confirmed and held by the provider side terminal 40, the customer side terminal 30 and the central server 10, respectively. This will be described with reference to a flowchart.

  First, when starting the ordering process, user authentication is first performed through the central server 10. After completing user authentication and logging in, the user confirms the contents by browsing the previously confirmed quotation. The estimate number assigned in the central server 10 can be used for calling the estimate. Then, the estimate is browsed, the expiration date of the estimate is confirmed, and if the expiration date has passed, the expiration date is displayed, the estimate is discarded, and the inventory allocated in the provider side terminal 40 is released. To do. It should be noted that the release of the inventory at the provider side terminal 40 can be released without understanding the processing of the operator by the inventory management program at the provider side terminal 40 when the expiration date of the estimate expires.

  In the confirmation of the estimate, when the estimate is within the expiration date and the ordering process is performed, the purchase button provided in the estimate displayed on the display is pressed in the process at the consumer side terminal 30 To do. However, the start of the ordering process is not limited to such a user interface, and information indicating the intention of ordering may be transmitted to the provider side terminal 40 directly or via the central server 10. Can be implemented without problems.

  By the purchase intention display in the consumer, the provider side terminal 40 or the central server 10 requests the customer side terminal 30 to input the information on the destination of the commodity to be traded and the information for settlement. To do. The provider side terminal 40 or the central server 10 checks the appropriateness of the input information, and if it is incomplete, requests input again. On the other hand, if the input destination information and settlement information are appropriate, credit processing for settlement is performed next. In this credit process, all or any of the payment information transmitted from the customer side terminal 30 is actually transmitted to the external credit server 20 that provides the credit check service, and the judgment result is received. Can be done. If the credit judgment result transmitted from the external credit server 20 indicates that no credit is granted, the settlement impossible information indicating that payment cannot be made is displayed in text and the payment is made to the customer side terminal 30. Request re-input of information. On the other hand, when credit is given in the determination result transmitted from the external credit server 20, the ordering process is completed, and inventory management is performed by reducing the stock allocated at the stage of creating the estimate.

  Then, at the stage where the ordering process and the settlement process are completed by the above process, the provider side terminal 40 outputs information instructing the shipment of the product, performs the sales process for the settled consideration, and completes a series of commercial transactions. .

  As a result of performing the ordering and settlement processing in such a flow, the provider side can receive the order after confirming the credit, and the anxiety about the collection of the transferred consideration can be solved. In addition, since the customer secures the transfer quantity to be traded at the estimation stage, the customer can be assured that the product can be obtained reliably.

  The commercial transaction management device and the electronic commercial transaction system using the commercial transaction management device of the present invention are not limited to the above-described embodiments, and various changes can be made without departing from the scope of the present invention. is there.

  For example, it is possible to carry out a lending commercial transaction in place of the transfer of goods, or to manage the time of a provider when providing services, the quantity management of goods for providing services, and the like. Furthermore, the management of the remaining amount such as inventory and remaining time can be performed by the provider side terminal 40 as well as by the central server 10, and the negotiation of the commercial transaction can be performed by the provider side terminal 40 and the customer side. In addition to being performed directly with the terminal 30, it is also possible to perform via the central server 10.

10 central server 20 credit server 30 consumer side terminal 40 provider side terminal 81 external storage device 800 computer 806 display device (display)
808 Keyboard 809 Mouse 810 External storage device

Claims (9)

A business transaction management device in which a provider-side terminal and a consumer-side terminal are connected via a network,
In response to a request from the provider side terminal, a transaction number attached when transmitting transaction information including the transaction target and the transaction volume to the consumer side terminal is assigned and the transaction number is transmitted to the provider side terminal. Transaction number assigning means;
Transaction information comparison means for comparing the transaction information transmitted from the provider side terminal and the transaction information including the transaction volume with the transaction object transmitted from the consumer side terminal and the transaction information including the transaction volume. When,
In the comparison result in the transaction information comparison means, when a comparison result that both are the same is obtained, transaction information storage means for storing both transaction information,
Based on the transaction information transmitted from at least one of the consumer side terminal and the provider side terminal, the provider side terminal is inquired about whether or not to hold the remaining amount of the transaction amount for the transaction target. A remaining amount confirmation information transmitting means for transmitting inquiry information to be transmitted;
Authentication to send authentication information about the transaction information to the provider side terminal on condition that the confirmation information confirming that the transaction target is retained for the transaction target is received from the provider side terminal Means,
Payment consideration confirmation for transmitting inquiry information for inquiring the amount of consideration for the transaction to the consumer side terminal based on the transaction information transmitted from at least one of the consumer side terminal and the provider side terminal Information transmission means;
A commercial transaction management apparatus comprising: authentication means for transmitting authentication information about transaction consideration to a consumer side terminal on condition that confirmation information confirming payment consideration is received from the consumer side terminal .
Furthermore,
Remaining amount information management means for retaining the remaining amount information of the transaction target held by the provider,
The provider deals with the transaction target by referring to the remaining amount information management means based on the transaction information including the transaction target and the transaction amount transmitted from at least one of the consumer side terminal and the provider side terminal. A remaining amount confirmation means for determining whether or not to retain the remaining amount of the amount,
Authentication means for transmitting authentication information about the transaction information to the provider side terminal on the condition that the conclusion that the provider holds the transaction target for the transaction amount is obtained by the determination in the remaining amount confirmation means When,
The commerce management device according to claim 1, comprising:
The commercial transaction management device according to claim 2, wherein the remaining amount information management means holds information about a transaction target provider, a transaction target, a date and / or time, and a remaining amount item.
An electronic commerce system that conducts business transactions by electronic commerce.
A provider-side terminal that transmits and receives information for providing a transaction object by electronic commerce;
A consumer side terminal that transmits and receives information for purchasing a transaction object by electronic commerce; and
It consists of a commercial transaction management device that manages transaction information transmitted and received between the provider side terminal and the consumer side terminal,
As the commercial transaction management device, the commercial transaction management device according to any one of claims 1 to 3 is used ,
The provider side terminal comprises transaction information presenting means for presenting transaction information with a first encryption key to the consumer side terminal,
The consumer side terminal receives and decrypts the transaction information transmitted from the consumer side terminal, and confirms the transaction information transmitted to the commercial transaction management apparatus with at least one of a second encryption key and an electronic signature. An electronic commerce system comprising means .
The provider side terminal has a remaining amount information management means for holding a remaining amount of a transaction target held,
A remaining amount provisioning means for allocating a transaction amount for a transaction target from a transaction target remaining amount held by the residual amount information management means;
The provider-side terminal uses the remaining amount allocation means to allocate at least one of the consumer-side terminal and the commercial transaction management device when the transaction amount for the transaction target is allocated. The electronic commerce system according to claim 4, wherein transaction information including: is transmitted.
And a credit check device connected via a network to at least one of the provider side terminal and the customer side terminal,
The credit check device determines the credit of the consumer for the transaction information based on the credit check information transmitted from at least one of the provider side terminal and the customer side terminal, and provides the credit determination result to the provider. To the terminal,
The electronic commerce system according to claim 5, wherein the provider side terminal includes an ordering unit that performs an ordering process for a transaction target corresponding to the allocated transaction amount on the condition that credit is given in the credit determination result.
To the computer where the provider side terminal and the consumer side terminal are connected via the network,
In response to a request from the provider side terminal, a transaction number attached when transmitting transaction information including the transaction target and the transaction volume to the consumer side terminal is assigned and the transaction number is transmitted to the provider side terminal. Transaction number assignment step;
Transaction information comparison step that compares the transaction information transmitted from the provider side terminal and the transaction information including the transaction volume with the transaction information transmitted from the consumer side terminal and the transaction information including the transaction volume. When,
In the comparison result in the transaction information comparison step, when a comparison result that both are the same is obtained, a transaction information storage step that stores both transaction information ,
Based on the transaction information transmitted from at least one of the consumer side terminal and the provider side terminal, the provider side terminal is inquired about whether or not to hold the remaining amount of the transaction amount for the transaction target. A remaining amount confirmation information transmission step for transmitting inquiry information to be performed;
Authentication to send authentication information about the transaction information to the provider side terminal on condition that the confirmation information confirming that the transaction target is retained for the transaction target is received from the provider side terminal Steps,
Payment consideration confirmation for transmitting inquiry information for inquiring the amount of consideration for the transaction to the consumer side terminal based on the transaction information transmitted from at least one of the consumer side terminal and the provider side terminal An information transmission step;
A program for executing an authentication step of transmitting authentication information about transaction consideration to a consumer side terminal on condition that confirmation information confirming payment consideration is received from the consumer side terminal .
In addition to computers connected to the network ,
A residual quantity information management step for managing the residual quantity of the transaction target held by the residual quantity information management means;
A transaction number acquisition step for requesting a transaction number attached to transaction information to be transmitted to the consumer side terminal to the commercial transaction management device and receiving the transaction number;
A transaction information sending step for confirming the transaction content by sending a transaction information including a transaction target and its transaction volume to the provider side terminal and the commercial transaction management device with a transaction number, The program according to claim 7 .
  The transaction information transmission step transmits transaction information including the transaction target and the transaction amount to at least one of the consumer side terminal and the commercial transaction management device on condition that the transaction amount for the transaction target is allocated. The program according to claim 8.