JP5122707B2 - Product purchase price settlement method and system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention relates to a merchandise purchase price settlement method and system that can be applied to, for example, an auction using a website of an exhibitor, a so-called net auction.
[0002]
[Prior art]
In recent years, the “net auction” which is an auction conducted on the Internet has attracted attention.
[0003]
This online auction is a form of buying and selling that is unfamiliar to the general public called "auction" and is now well established as a genre of online shopping. Recently, there are many auction sites that can be sold by individual users, and not only "buy" but also "sell" things. Along with this, more and more people are selling things like a flea market.
[0004]
By the way, due to the increase in personal use in this way, there is an increased probability of trouble occurring in the exchange of merchandise and its price. That is, in general, an online auction site only provides an auction site, and exchange of goods and money is not included in the service scope. Therefore, the timing of shipping the goods and the shipping cost, the payment method of the price, etc. must be decided between the parties at the time of exhibition registration or after the auction is over, and must be kept in direct contact. For this reason, there is a possibility that unnecessary trouble may occur due to the difference in consciousness during the procedure after the end of the online auction.
[0005]
In order to avoid such unnecessary troubles, the “escrow service” for mediating payment has recently attracted attention. The escrow service can collect the product purchase price from the successful bidder to the financial institution, and then the courier can collect the product and receive the product purchase price from the financial institution after the delivery is confirmed. That's it.
[0006]
In other words, this service is a tie-up with financial institutions that collect fees and courier companies that collect and deliver products, and safely exchanges fees and products between exhibitors and successful bidders, and the use of Internet auctions is expanding. Its importance has expanded as time goes on.
[0007]
[Problems to be solved by the invention]
By the way, the escrow services currently used are all via a courier and have a drawback that the degree of freedom regarding the delivery delivery method between the exhibitor and the successful bidder is small.
[0008]
The present invention has been made in view of such circumstances, and an object of the present invention is to provide a settlement method that can safely collect charges without going through a collection and delivery company.
[0009]
[Means for Solving the Problems]
In order to solve the above-mentioned problem, a method executed in a banking system to mediate the exchange of product purchase prices between an exhibitor and a successful bidder in an auction, comprising: (a) between the seller and the successful bidder A step of receiving a session ID and a successful bid key generated on the basis of the establishment of a product sales contract; and (b) an account associated with the session ID and the successful bid key, for purchasing the product purchase price. And (c) transferring the product purchase price from the successful bidder's account to the product purchase price account based on the successful bidder inputting the session ID and the successful bid key. (D) causing the successful bidder to input the session ID and the successful bid key and confirming receipt of the product; and (e) confirming receipt of the product, and Who is a method characterized in that it comprises a step to transfer to the account of the seller the purchase price from the commodity purchase price for the account on the basis of that you have entered the session ID and a successful bid key is provided.
[0010]
According to such a series of procedures, it is possible to safely collect and collect charges without going through a collection / delivery company by opening a product price account that can be accessed by both the successful bidder 3 and the seller 2. There is. The successful bid keys used in the respective steps are preferably the same, but different keys may be used.
[0011]
Here, according to one embodiment of the present invention, the seller and the successful bidder can purchase and sell goods in the electronic commerce market, and the session ID and the successful bid key in the step (a) include the electronic commerce. It is generated or registered in the market.
[0012]
According to another embodiment, at least the steps (c) and (e) further include a step for specifying the bank account of the winning bidder or the exhibitor.
[0013]
According to yet another embodiment, the step (e) includes the step of purchasing from the product purchase price account on the condition that a predetermined period has elapsed after the successful bidder confirms the receipt of the product in the step (d). The transfer of the product purchase price to the seller's account is executed.
[0014]
According to another embodiment, the successful bid key input by the successful bidder is one notified from the auction organizer to the successful bidder.
[0015]
According to yet another embodiment, the method further includes the step of (f) notifying the seller of the successful bid key after the step (c) or the step (d).
[0016]
According to yet another embodiment, the method further includes: (g) based on the successful bidder or exhibitor entering the session ID and the successful bid key and entering the cancellation of a product purchase contract. A step of disabling the product purchase account.
[0017]
According to another embodiment, (h) after the successful bidder confirms receipt of the product, the session ID and the successful bid key are input, and the cancellation of the product purchase contract is input. Alternatively, the method further includes a step of executing a refund process for the product purchase price from the product purchase price account to the winning bidder's account.
[0018]
According to yet another embodiment, (i) after the step (c), when the step (d) is not executed within a predetermined period, the product from the product purchase price account to the winning bidder's account The method further includes a step of executing a purchase price refund process.
[0019]
According to a second main aspect of the present invention, there is provided a system that is executed in a banking system and mediates transfer of a product purchase price between an exhibitor and a successful bidder in an auction. Means for receiving a session ID and a successful bid key generated based on the establishment of a product sales contract with a successful bidder; and (b) an account associated with the session ID and the successful bid key, and depositing the purchase price of the product Means for generating a merchandise purchase price account for performing, and (c) the merchandise purchase price from the successful bidder's account based on the fact that the successful bidder has input the session ID and the successful bid key. Means for transferring to an account, (d) means for allowing the successful bidder to input the session ID and the successful bid key, and confirming receipt of the product, and (e) confirming receipt of the product by the successful bidder. Have, and have the means to transfer the purchase price based on the fact that the seller has entered the session ID and a successful bid key to the seller's account from the purchase price for the account.
[0020]
According to such a configuration, a system capable of executing the method according to the first main aspect of the present invention is provided.
[0021]
Other features and remarkable effects of the present invention will be understood more clearly by referring to the following description of the embodiments of the present invention and the attached drawings.
[0022]
DETAILED DESCRIPTION OF THE INVENTION
Hereinafter, embodiments of the present invention will be described with reference to the drawings.
[0023]
FIG. 1 is a schematic configuration diagram showing this embodiment.
[0024]
In the figure, 1 is a server system of an auction site (auction server system), 2 is a terminal (exhibitor terminal) of an exhibitor who sells products on the auction site, and 3 is a successful bid to make a successful bid for the product exhibited by the seller on the auction site A bank terminal server (successful bidder terminal) 4 is a bank server system (bank server system) for mediating transfer of product purchase prices related to auctions. The bank server system 4 is provided with a settlement system 5 that executes the settlement processing of this embodiment and a bank account system 6 that manages the withdrawal and withdrawal of bank accounts.
[0025]
The terminals 2 and 3 and the server systems 1 and 4 are configured to be able to communicate with each other via the Internet 7 and other communication networks (not shown). The exhibitor terminal 2 and the successful bidder terminal 3 are preferably personal computers. The personal computer may be a mobile phone. In this case, it is desirable that communication between the servers 1 and 4 and the terminals 2 and 3 pass through a predetermined mobile phone center. However, in FIG. 1, the illustration is omitted in order to avoid complication of the drawing.
[0026]
FIG. 2 is a functional block diagram showing a payment system 5 which is a main part of the present invention.
[0027]
The payment system 5 includes a party authentication information receiving unit 10 that receives party authentication information (an exhibition number and a successful bid key as a session ID) generated based on the establishment of a product sales contract between the seller and the successful bidder; An account generation unit 11 that generates an account for a product purchase price (escrow account) for depositing the product purchase price, which is an account associated with the party authentication information, and various processes for the product purchase price account A process menu presenting unit 12 for presenting items, a process sequence control unit 13 for executing a process according to a process item selected from the process menu, and a login for executing a log-in process for specifying each party's account A processing unit 14, and a product purchase price account access control unit 15 for controlling access to the product purchase price account of each party; The payment processing unit 16 for transferring the product purchase price from the successful bidder's account to the product purchase price account, and notifying the seller of the product receipt confirmation key based on the fact that the successful bidder has confirmed receipt of the product. A merchandise receipt processing section 17; a withdrawal processing section 18 for transferring the merchandise purchase price from the merchandise purchase price account to the seller's account; and the successful bidder inputs the session ID and the successful bid key, and the successful bidder A contract cancellation processing unit 19 for processing an instruction for canceling the product purchase contract from the customer, and a refund process of the product purchase price from the seller's account to the successful bidder's account according to the contract cancellation or other conditions And a refund processing unit 20.
[0028]
Here, the account generation unit 11, the deposit processing unit 16, the withdrawal processing unit 18, and the refund processing unit 20 execute the creation of a new account and the inter-account fund transfer process by issuing an instruction directly to the bank account system 6. Is configured to do.
[0029]
Further, the deposit processing unit 16 transfers from the product purchase price account to the exhibitor's account on the condition that a predetermined period has elapsed since the successful bidder confirmed receipt of the product in the product receiving processing unit 17. It is preferable that the product purchase price is transferred.
[0030]
The above components are actually configured by a computer system, a storage medium provided in the computer system, and a computer program installed in the storage medium, and are called and executed on, for example, a RAM by a CPU (not shown). Thus, the function of the present invention is achieved. Further, the program for configuring the above-described constituent elements does not necessarily need to be configured by one component or subroutine for each of the above-described configuration requirements, and a plurality of constituent elements may be configured by one component or the like. One component may be composed of a plurality of components.
[0031]
Hereinafter, the function of the component will be described with reference to FIGS. 2 and 3 together with an actual processing procedure. In FIG. 2 and FIG. 3, reference symbols S <b> 1 to S <b> 23 denote symbols for referring to the step order, which coincides with the reference symbols (steps S <b> 1 to S <b> 23) in the following description.
[0032]
First, when a merchandise sales contract is established between an exhibitor and a successful bidder, an auction site server system indicated by 1 in FIG. 3 sends an exhibition number, a successful bid key, and successful bid information (product details, amount) to the settlement system 5. Is transmitted (step S1). The exhibition number and the successful bid key are acquired by the party authentication information receiving unit 10, and based on this information, the account generation unit 11 generates a product purchase price account (escrow account) for depositing the product purchase price. (Step S2).
[0033]
On the other hand, to the successful bidder 3 and the exhibitor 2 who have made a merchandise sales contract, an e-mail regarding service start is transmitted from the auction site 1 (steps S3 and S4). The e-mail transmitted to the successful bidder 3 includes at least the details (exhibition details) of the product for which a successful bid is made and a unique successful bid key. This successful bid key is used as authentication information at the time of fund transfer described later.
[0034]
In this embodiment, the e-mail received by the successful bidder 3 includes at least an e-mail address as a contact address to the seller in addition to the above-described exhibition details and successful bid key. Using this e-mail address, the successful bidder 3 notifies the seller of the address and name to which the purchased product is to be sent (step S5).
[0035]
In addition, the e-mail received by the successful bidder 3 in this embodiment includes a link to the bank server system 4 as an option of payment means. In this case, the successful bidder 3 can access the escrow menu screen indicated by 30 in FIG. 3 by clicking the link in the description of the e-mail (step S6). In addition, it is preferable that the successful bidder 3 can access the escrow menu screen 30 through the auction site when access to the link relating to the settlement means is not included in the e-mail.
[0036]
The escrow menu screen 30 is presented by the processing menu presentation unit 12 provided in the bank server system 4 and displays various processing items for the product purchase price account. In this embodiment, the escrow menu screen 30 displays “payment”, “arrival confirmation”, “payment confirmation”, “cooling off”, and “transaction cancellation” as processing items. You can select an item.
[0037]
When the successful bidder 3 selects each processing item from the processing menu, the processing sequence control unit 13 executes processing corresponding to the selected item. In this embodiment, the successful bidder 3 first performs “payment”. In this case, the processing sequence control unit 13 executes a series of processes indicated by S7 to S10 in the figure. Hereinafter, this procedure will be described.
[0038]
In this case, first, when the successful bidder 3 selects “payment” from the processing items in the escrow menu 30, the processing sequence control unit 13 responds to the selection, and the exhibition number input screen 31 shown in FIG. Is displayed (step S7). The exhibition number input screen 31 displays an exhibition number input box for inputting an exhibition number. Therefore, the successful bidder 3 inputs the exhibition number received by e-mail into the exhibition number input box.
[0039]
Next, the processing sequence control unit 13 accesses the successful bid information based on the inputted exhibition number, and relates to the commodity successful bid information (indicated by 37 in the figure) corresponding to the exhibition number, that is, the commodity name and the settlement amount. Information is acquired and displayed on the detail display screen indicated by 32 in the figure (step S8). The successful bidder 3 confirms the information displayed on the detail display screen 32, and if the information is correct, clicks a command button OK (not shown). Based on this, the processing sequence control unit 13 displays a bank login screen indicated by 33 in the figure (step S9).
[0040]
The bank login screen 33 displays an input box for inputting information necessary for login, that is, a store number, an account number, and a successful bid key. When the user inputs necessary information in the input box section, the login processing section 14 executes login processing based on this information, and specifies the withdrawal account of the successful bidder 3. When the login processing unit 14 specifies the user's account, the processing sequence control unit 13 displays a transfer screen indicated by 34 in the figure based on this (step S10).
[0041]
On this transfer screen 34, a successful bid key input section is displayed together with information on payment such as an email address and an exhibition number. In this successful bid key input section, the successful bid key received by the successful bidder 3 after the merchandise sales contract is input. When the successful bidder confirms the information shown on the transfer screen 34 and inputs a successful bid key, the merchandise purchase price account access control unit 15 executes authentication for the input successful bid key. If this authentication is affirmative, the deposit processing unit 16 issues a command to the bank account system 6 and transfers the winning bid amount from the user's account to the merchandise purchase price account (step S11). When the transfer is completed, the merchandise purchase price account access control unit 15 displays a screen 35 indicating that the transfer has been accepted.
[0042]
If the successful bidder 3 confirms that the transfer has been completed on this screen, the deposit processing unit 16 transmits an e-mail to the seller 2 (step S12). This e-mail describes at least the item details (exhibition details), a unique successful bid key, and a report that the successful bidder 3 has completed payment. That is, the exhibitor 2 can know that the payment by the successful bidder 3 has been completed by receiving this e-mail. The e-mail preferably includes an address of the winning bidder 3 and a description prompting shipping of goods from the exhibitor 2 to the winning bidder 3.
[0043]
When the seller 2 receives the e-mail, the seller 2 sends the merchandise to the successful bidder 3 of the merchandise delivery destination described in the e-mail (step S13).
[0044]
Next, the successful bidder 3 who has received the product in this embodiment accesses the escrow menu screen 30 and performs “arrival confirmation” that he / she has received the product. Hereinafter, the arrival confirmation operation will be described.
[0045]
When the successful bidder selects “arrival confirmation” from the processing items in the escrow menu screen 30 (step S14), the processing sequence control unit 13 performs a series of processing shown in S15 to S18 in the figure. In addition, the same code | symbol is attached | subjected to the screen similar to having demonstrated by the said payment step (step S7-S12), and the detailed description is abbreviate | omitted.
[0046]
First, the processing sequence control unit 13 displays the exhibition number input screen 31 and allows the successful bidder 3 to input the exhibition number. Here, the successful bidder 3 has already confirmed the detailed display in the payment step (step S8), and there is no need for reconfirmation. Accordingly, the processing sequence control unit 13 does not perform this step but displays the bank login screen 33 (step S16). On the bank login screen 33, an input box for inputting information necessary for login is displayed as in the payment procedure. Therefore, the successful bidder 3 inputs necessary information into these input boxes.
[0047]
When these pieces of information are input, the login processing unit 14 executes a login process. If the login process is affirmative, the merchandise receipt processing unit 17 displays a arrival confirmation screen indicated by 38 in the figure (step S17). On this arrival confirmation screen 38, at least a successful bid key input section is displayed. In addition, the arrival confirmation screen 38 preferably displays information on the purchased product and purchase price transfer in order for the successful bidder 3 to finally confirm receipt of the product. The successful bidder 3 confirms that the product has been received by inputting a successful bid key to the input unit and selecting a command button OK (not shown). When this confirmation is made, the merchandise receipt processing unit 17 transmits an arrival confirmation mail in which the description details and the successful bid key are described to the seller 2 (step S18). The seller can know the fact that the successful bidder has received the product by receiving the arrival confirmation mail.
[0048]
Here, the merchandise receipt processing unit 17 turns on the arrival confirmation flag of the commodity purchase price account based on the confirmation of arrival by the successful bidder 3. This makes it possible for the exhibitor to receive the purchase price thereafter.
[0049]
Here, it is preferable that the arrival confirmation mail received by the seller describes a procedure for receiving the money transferred by the successful bidder to the product purchase price account. In this embodiment, a link to the escrow menu screen 30 of the bank server system is included in the description for this purpose.
[0050]
Accordingly, the exhibitor 2 who has received this arrival confirmation email accesses the escrow menu screen 30 and clicks on this link to perform “payment confirmation”. Next, the payment confirmation process will be described.
[0051]
When the seller selects “Payment Confirmation” from the escrow menu 30, the processing sequence control unit 13 executes steps S20 to S23 shown in the figure in accordance with the seller's selection. In addition, the same code | symbol is attached | subjected about the same screen as having demonstrated in the said payment step (step S7-S12) and arrival confirmation step (step S15-S18), and the detailed description is abbreviate | omitted.
[0052]
First, the processing sequence control unit 13 displays the exhibition number input screen 31 (step S20). When the seller inputs the exhibition number on this screen, the processing sequence control unit 13 displays the successful bid detail screen 32 (step S21), and after obtaining the seller's confirmation, displays the bank login screen 33. (Step S22).
[0053]
On the bank login screen 33, the seller inputs information of his / her bank account (payment account). If this information is input, the log-in processing unit 14 authenticates the account of the seller 2 and the merchandise purchase price account access control unit 15 authenticates the merchandise purchase price account. If this authentication is affirmative, the withdrawal processing unit 18 sends the merchandise purchase price in the merchandise purchase price account to the bank account system 6 in the account (payment of the seller 2). Issue an order to transfer to (account). At this time, if the arrival confirmation flag of the product price account is ON, the transfer is executed, and the product purchase price is paid to the seller's account (step S23).
[0054]
According to such a series of procedures, it is possible to safely collect and collect charges without going through a collection / delivery company by opening a product price account that can be accessed by both the successful bidder 3 and the seller 2. There is.
[0055]
Next, each procedure of cooling-off and transaction cancellation in the case of canceling the delivery of the product will be described with reference to FIG. Here, “cooling off” means that the successful bidder cancels the transaction after the successful bidder receives the merchandise and the exhibitor receives the price, and involves the return processing of the merchandise and the price. On the other hand, the transaction cancellation means that the successful bidder or the exhibitor cancels the transaction before delivery of the product and the price.
[0056]
When performing the cooling off, the successful bidder accesses the escrow menu screen 30 of the bank server system 4 through the auction site 1 and selects “cooling off” from the menu. Thus, the processing sequence control unit 13 displays the exhibition number input screen 31 (step S24), and when the successful bidder inputs the exhibition number, the login screen 33 is displayed (step S25). When necessary information is input on the login screen 33, the login processing unit 14 authenticates the account, and when the authentication is positive, the contract cancellation processing unit 19 displays a cooling-off confirmation screen 40. (Step S26).
[0057]
The contract cancellation processing unit 19 permits this cooling-off only within a certain period, and disables the payment deposit account after this period.
[0058]
The cooling-off confirmation screen 40 preferably displays the contents of the cooling-off, and the successful bidder 3 confirms the contents of the screen and selects the command OK (not shown) to cancel the contract. The processing unit 19 transmits an e-mail to the effect of cooling off to the exhibitor 2 (step S27). This e-mail includes a description of the refund procedure associated with the cooling-off in addition to the cooling-off details.
[0059]
Further, as the successful bidder performs the cooling-off, the refund processing unit 20 turns on the refundable flag of the purchase payment deposit account (escrow account) so that refund can be performed using this account. To.
[0060]
On the other hand, the exhibitor 2 who has received this e-mail can know that the successful bidder 3 has performed the cooling-off, and based on this, the merchandise return process and the refund process are performed with the successful bidder 3. It will be. The procedure in this case is executed when the successful bidder and the seller in FIG. 3 are reversed, the seller performs “payment” and “arrival confirmation” of the refund, and the successful bidder performs “payment confirmation”. . Such a procedure is possible when the refundable flag is ON.
[0061]
Next, the procedure at the time of transaction cancellation will be described.
[0062]
In this case, the successful bidder or exhibitor accesses the escrow menu screen 30 of the bank server system 4 through the auction site 1 and selects “transaction cancellation” from the menu. Thus, the processing sequence control unit 13 displays the exhibition number input screen 31 (step S28), and when the successful bidder or the seller inputs the exhibition number, the transaction details display screen 32 is displayed (step S29). When the successful bidder or exhibitor confirms the contents through the transaction details display screen 32, the login processing unit displays the login screen 33 (step S30). When necessary information is input on the login screen 33, the login processing unit 14 authenticates the account, and when the authentication is positive, the contract cancellation processing unit 19 displays a transaction cancellation confirmation screen 41. (Step S31).
[0063]
The transaction cancellation confirmation screen 41 preferably displays the details of the transaction relating to the cancellation again. The successful bidder 3 or the exhibitor 2 confirms the content of the screen and selects a command OK (not shown). The contract cancellation processing unit 19 disables the deposit account so that subsequent processing does not progress.
[0064]
In addition, this invention is not limited to the said one Embodiment, A various deformation | transformation is possible in the range which does not change the summary of invention.
[0065]
For example, in the above embodiment, the escrow menu screen is displayed by the bank server system 4, but may be displayed by the auction site 1.
[0066]
Further, in the above-described embodiment, the transfer is executed by the seller inputting the exhibition number and bank account information (instructing transfer) (S20 to S23 in FIG. 3), but the present invention is not limited to this. For example, a deposit transfer process to the exhibitor may be automatically performed after a predetermined period has elapsed.
[0067]
Further, the product receiving processing unit transmits an e-mail to the exhibitor. For example, a receipt confirmation key is attached to the e-mail, and if the arrival confirmation key is not used, the seller May not be able to receive the product purchase price.
[0068]
Further, as the session ID, for example, a number or a special symbol arbitrarily assigned by an auction organizer other than the above-described exhibition number may be used.
[0069]
Further, as information necessary for login, a user number may be input instead of the store number and the account number.
[0070]
【Effect of the invention】
According to the configuration described above, there is provided a settlement method and system capable of safely collecting and receiving charges without going through a collection / delivery company by opening a product price account that can be accessed by both the successful bidder and the seller. Can be provided.
[Brief description of the drawings]
FIG. 1 is a schematic configuration diagram showing an embodiment of the present invention.
FIG. 2 is a schematic configuration diagram showing the configuration of a payment system.
FIG. 3 is a flowchart showing processing in the same manner.
FIG. 4 is a flowchart showing processing similarly.
[Explanation of symbols]
1. Auction site
2 ... Exhibitor (exhibitor terminal)
3 ... Successful bidder (successful bidder terminal)
4 ... Bank server system
5 ... Payment system
6. Bank account system
7 ... Internet
10 ... Party authentication information receiving part
11 ... Account creation department
12 ... Processing menu presentation section
13 ... Processing sequence control unit
14 ... Login processing section
15 ... Account access control unit for product purchase price
16 ... Deposit processing department
17 ... Product receipt processing department
18 ... Withdrawal processing department
19 ... Contract cancellation processing department
20 ... Refund processing part
30 ... Escrow menu screen
31 ... Exhibition number input screen
32 ... Transaction details display screen
33 ... Bank login screen
34 ... Transfer screen
38 ... Arrival confirmation screen
40 ... Cooling-off confirmation screen
41 ... Transaction cancellation confirmation screen

Claims (13)

A method of mediating transfer of a product purchase price in an auction transaction between a seller and a successful bidder executed on a computer of a bank system and executed on an auction site,
The bank system computer manages the seller's and successful bidder's accounts in association with each other so that the seller's and successful bidder's login information can be specified,
This method
(A) the bank system computer acquiring from the auction site a product ID for specifying a successful bid product, a successful bid key for specifying a successful bid transaction, and successful bid information related to a successful bid amount;
(B) generating an escrow account for temporarily depositing the product purchase price in association with the successful bid key based on the fact that the computer of the bank system has acquired the successful bid information;
(C) The bank system computer specifies a successful bid information based on the product ID inputted from the successful bidder's terminal, and provides a login interface for inputting the successful bidder's login information. The process of displaying
(D) the bank system computer identifying the winning bidder's account based on the winning bidder's login information, generating a payment interface for inputting the winning bid key, and displaying the payment interface on the winning bidder's terminal; ,
(E) the bank system computer identifying the escrow account based on the entered successful bid key and transferring the purchase price from the successful bidder's account to the escrow account;
(F) the bank system computer turning on the arrival confirmation flag for the escrow account based on receipt of the commodity receipt confirmation from the terminal of the successful bidder;
(G) A computer of the bank system specifies a successful bid information based on the product ID input from the seller's terminal, and provides a login interface for inputting the seller 's login information. The process of displaying
(H) The bank system computer specifies the seller's account based on the input login information, and the merchandise purchase price is transferred from the escrow account to the seller's account when the arrival confirmation flag is ON. And a step of transferring. The method of claim 1, wherein
The merchandise buying and selling of the seller and the successful bidder is executed in the electronic commerce market,
The product ID and successful bid key in the step (a) are generated or registered in the electronic commerce market. The method of claim 1, wherein
In the step (h), the computer confirms that the escrow account is provided on the condition that the arrival confirmation flag is ON after a successful bidder confirms the receipt of the product in the step (f) and a predetermined period has elapsed. A method for transferring the purchase price of the product to the seller's account. The method of claim 1, wherein
The successful bid key to be input by the successful bidder is a method notified to a terminal of the successful bidder from a server system of an auction organizer operating the auction site. The method of claim 1, wherein
(I) The computer further includes a step of notifying the seller's terminal of the successful bid key after the step (c) or the step (d). A system that is executed by a computer of a bank system and mediates transfer of a product purchase price in an auction transaction between an exhibitor and a successful bidder executed on an auction site,
The bank system computer manages the seller's and successful bidder's accounts in association with each other so that the seller's and successful bidder's login information can be specified,
(A) the bank system computer obtains, from the auction site, a product ID for specifying a successful bid product, a successful bid key for specifying a successful bid transaction, and successful bid information related to a successful bid amount;
(B) means for generating an escrow account for temporarily depositing the product purchase price in association with the successful bid key based on the fact that the computer of the bank system has acquired the successful bid information;
(C) The bank system computer specifies a successful bid information based on the product ID inputted from the successful bidder's terminal, and provides a login interface for inputting the successful bidder's login information. Means for displaying
(D) means for the computer of the bank system to specify the account of the winning bidder based on the login information of the winning bidder, and to generate a payment interface for inputting the winning bid key and to display it on the terminal of the winning bidder; ,
(E) means for the computer of the bank system to identify the escrow account based on the input successful bid key and transfer the purchase price from the successful bidder's account to the escrow account;
(F) means for turning on the arrival confirmation flag for the escrow account based on the fact that the computer of the bank system has received the commodity receipt confirmation from the terminal of the successful bidder;
(G) A computer of the bank system specifies a successful bid information based on the product ID input from the seller's terminal, and provides a login interface for inputting the seller 's login information. Means for displaying
(H) The bank system computer specifies the seller's account based on the input login information, and the merchandise purchase price is transferred from the escrow account to the seller's account when the arrival confirmation flag is ON. And a means for transferring. The system of claim 6 , wherein
The merchandise buying and selling of the seller and the successful bidder is executed in the electronic commerce market,
The product ID and the successful bid key in the means (a) are generated or registered in the electronic commerce market. The system of claim 6 , wherein
The (h) means is the escrow account on the condition that a predetermined period of time has elapsed after the successful bidder confirms the receipt of the goods by the means (f) and the arrival confirmation flag is ON. A system for transferring the purchase price of goods to the seller's account. The system of claim 6 , wherein
The system according to claim 1, wherein the successful bid key to be input by the winning bidder is notified to the winning bidder's terminal from a server system of an auction organizer operating the auction site. The system of claim 6 , wherein
(I) The system further comprising means for notifying the successful bid key to the terminal of the exhibitor after the means (c) or (d). The system of claim 6 , wherein
further,
(J) A computer generates a contract cancellation interface for inputting contract cancellation information based on login information of the successful bidder or exhibitor, displays the contract cancellation interface on the successful bidder or exhibitor's terminal related to the login information, and inputs The system further comprises means for disabling the escrow account based on the released release information. The system of claim 11 , wherein
(K) The computer further comprises means for initiating a refund process for a product purchase price from the seller's account or the escrow account to the successful bidder's account after disabling the escrow account. System. The system of claim 6 , wherein
(L) means for starting refund processing for the purchase price of goods from the escrow account to the winning bidder's account when the computer does not execute the means (g) within a predetermined period after the means (f); The system further comprising:

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