JP2001325541A - System and method for electronic commercial transaction settlement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To improve the safety of the settlement of electronic commercial transaction. SOLUTION: This system includes a table 5 composed of prepaid numbers and prepaid money amounts and a server 4 and further includes a terminal 1 and a transmission medium 6 connecting the terminal 1 and server 4, and the terminal 1 sends a prepaid number and commodity information to the server 4 through the transmission medium 6. The commodity price is subtracted from the prepaid money amount corresponding to the prepaid number that the server 4 obtains. When the prepaid amount is less than the price, no commercial transaction is carried out. If a 3rd person illegally uses the prepaid number, the money amount of the damage is up to only the prepaid money amount. The system further includes a prepaid card 3 where a prepaid number is recorded and the terminal 1 obtains the prepaid number through a read part 2. The input operation of an orderer 11 is simplified and a misinput is prevented.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an e-commerce settlement system and an e-commerce settlement method, and more particularly, to an e-commerce settlement system and an e-commerce settlement method having higher security in e-commerce settlement.

[0002]

2. Description of the Related Art Online shopping for products using the Internet is performed. In such online shopping, the settlement of the commodity price is performed by a method using a credit card or post-payment.

In the method using a credit card, an orderer sends a personal credit card number to a product sales company together with purchase information of the product. At this time, there is a risk that the credit card number is leaked and illegally used by a third party. Merchandise sellers need to use encryption in order to eliminate the danger as much as possible, and the costs associated with developing the encryption are levied on e-commerce investment in the price of goods and other items.

[0004] In the case of post-payment, an invoice for the transfer of money is enclosed with the product. The orderer pays for the product at a financial institution or the like according to the request. Strictly speaking, such a postpay method is not called e-commerce. An e-commerce method using a computer and a network is required.

[0005] In a known e-commerce settlement method disclosed in Japanese Patent Application Laid-Open No. 9-297789, after checking request information and user identification data, an electronic prepaid check is issued and the user's electronic prepaid check holding data is updated. Regarding the commercial transaction between users, the request amount and the user identification data are collated and confirmed, and then the transaction amount is transferred between the electronic prepaid checks of each user, and the electronic prepaid check holding amount data of each user is updated. In such an electronic commerce settlement method, when the user identification data is leaked, there is a risk that a third party issues an unauthorized electronic prepaid check and uses the electronic prepaid check.

[0006]

SUMMARY OF THE INVENTION An object of the present invention is to provide an e-commerce settlement system and an e-commerce settlement method for improving security when performing e-commerce settlement.

[0007]

Means for solving the problem are described as follows. The technical items appearing in the expression are appended with numbers, symbols, etc. in parentheses (). The numbers, symbols, and the like are technical items that constitute at least one embodiment or a plurality of the embodiments of the present invention, in particular, the embodiments or the examples. Corresponds to the reference numerals, reference symbols, and the like assigned to the technical matters expressed in the drawings corresponding to the above. Such reference numbers and reference symbols clarify the correspondence and bridging between the technical matters described in the claims and the technical matters of the embodiments or examples. Such correspondence / bridge does not mean that the technical matters described in the claims are interpreted as being limited to the technical matters of the embodiments or the examples.

[0008] An electronic commerce settlement system according to the present invention comprises:
The server (4) includes a table (5) formed from a prepaid number and a prepaid amount, and the prepaid amount corresponding to the prepaid number acquired by the server (4) is changed. In the table (5), the prepaid number and the prepaid amount are in one-to-one correspondence. The prepaid amount is managed collectively by the table (5).

Terminal (1), terminal (1) and server (4)
The terminal (1) transmits the prepaid number via the transmission medium (6). The server (4) acquires the prepaid number transmitted from the terminal (1).

[0010] The terminal (1) further includes a reading unit (2) for reading the prepaid number from the prepaid card (3), and further includes a reading unit (2) for reading the prepaid number from the prepaid card (3). The prepaid number recorded via the unit (2) is obtained. Obtaining such a prepaid number simplifies the input operation of the orderer (11) using the terminal (1) and prevents input errors.

It is preferable that the server (4) provides the product information to the terminal (1). It is preferable that the product information selected by the orderer (11) using the terminal (1) be transmitted to the server together with the prepaid number because ordering and settlement are performed simultaneously. The selected product information includes the price of the product, and the prepaid amount is reduced. When the prepaid amount is smaller than the price, the prepaid amount is not changed. At this time, no commercial transaction is performed. When the prepaid number is misused by a third party, the damage amount is at most the prepaid amount. It is preferable that the prepaid amount is not increased because the upper limit of the damage amount is ensured.

The e-commerce settlement method according to the present invention comprises: selling a prepaid card (3) on which a prepaid number is recorded; creating a table (5) formed from the prepaid number and the prepaid amount; The method includes receiving a bill from the billing source (12) and subtracting the price from the prepaid amount.

[0013] Further, it is preferable that when the price is larger than the prepaid amount, it is notified to the billing source that the payment cannot be made.

[0014]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Corresponding to the drawings, in an embodiment of an electronic commerce settlement system according to the present invention, a web server is connected to a user terminal and a prepaid information database via a network. The user terminal 1 is connected to a web server 4 via the Internet 6 as shown in FIG. The web server 4 is connected to a prepaid information database 5 via a network 7.

The user terminal 1 belongs to the orderer 11. The orderer 11 has a prepaid card 3.
On the prepaid card 3, a prepaid number for uniquely recognizing the prepaid card is recorded as magnetic data. The user terminal 1 has a magnetic data reader 2 attached. The magnetic data reader 2 reads a prepaid number recorded on a prepaid card 3.

The user terminal 1 has a screen and displays information published on the Internet 6 on the screen. The user terminal 1 has a web browser and plug-in software. A web browser is a program for referring to information published on the Internet. The plug-in software is a program for reading the prepaid number of the prepaid card using the magnetic data reader 2 and transmitting the product purchase information and the prepaid number to the web server 4. The product purchase information includes a product number, a color, the number of purchases, a destination, and the like.

A workstation is exemplified as the web server 4. The web server 4 has established a product sales homepage on the Internet 6. The product sales home page discloses product information. Product information,
It contains the name, model number, product number, color or price of the product. The web server 4 has a CGI program. The CGI program operates when an order is received from the user terminal 1. An order is formed from a prepaid number and product purchase information. The CGI program accesses the prepaid information database 5 via the network 7 and requests the prepaid sales company for a product price.

The prepaid information database 5 is a table formed by a prepaid number and a prepaid amount. The prepaid information database 5 belongs to the prepaid card sales company 13 and is managed. When a new prepaid card is sold, the prepaid information database 5
Is added with the prepaid number and the prepaid amount of the prepaid card sold. When a business transaction is performed using the prepaid card, the prepaid card sales company 13
Updates the prepaid amount corresponding to the used prepaid card.

FIG. 2 shows an embodiment of an electronic commerce settlement method according to the present invention. The user terminal 1 is a web server 4
Accesses the product sales homepage established on the Internet 6 (step S1). Web server 4
Transmits the product information to the user terminal 1 in response to the access of the user terminal 1 (step S2). The transmitted product information is displayed on the screen of the user terminal 1 (step S3). The plug-in software executes and reads the prepaid number from the prepaid card 3 purchased by the orderer 11 from the prepaid card sales company 13 (step S).
4). The orderer 11 looks at the product information displayed on the screen of the user terminal 1, determines the product to be purchased and the number of purchases, and registers the product (step S5). The orderer 11 further registers information necessary for the order, such as a destination, and creates product purchase information (step S6). The user terminal 1 transmits the product purchase information and the prepaid number to the web server 4 via the Internet (Step S7).

The web server 4 receives the product purchase information and the prepaid number (step S8). The web server 4 accesses the prepaid information database 5 (step S9) and acquires the prepaid amount corresponding to the received prepaid number. The web server 4 compares the prepaid amount with the purchase price of the product and determines whether the purchase is possible or not (step S10). When the prepaid amount is larger than the product purchase price, it is determined that purchase is possible, and the product purchase price is charged to the prepaid card sales company 13 (step S11). The web server 4 notifies the user terminal 1 that the purchase procedure has been completed (step S12). The prepaid card sales company 13 subtracts the product purchase price from the prepaid amount (step S13). Thereafter, the prepaid card sales company 13 pays the product purchase price to the product sales company 12.

[0021] By using a prepaid card, business transactions can be made without using a credit card. As a result, unauthorized use by a third party due to the leakage of the credit card number is eliminated. When the prepaid number is leaked and illegally used by a third party, the upper limit of the damage amount is a high and high prepaid amount, and the security is high. The fact that the prepaid number is recorded on the prepaid card simplifies the input operation of the orderer and prevents erroneous input.

[0022]

The e-commerce settlement system and the e-commerce settlement method according to the present invention can improve the security in performing e-commerce.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an embodiment of an e-commerce settlement system according to the present invention.

FIG. 2 is a flowchart showing an embodiment of an electronic commerce settlement method according to the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... User terminal 2 ... Magnetic data reader 3 ... Prepaid card 4 ... Web server 5 ... Prepaid information database 6 ... Internet 7 ... Network 11 ... Orderer 12 ... Merchandise sales company 13 ... Prepaid card sales company

Claims (10)

[Claims] 1. An e-commerce settlement system, comprising: a table formed from a prepaid number and a prepaid amount; and a server, wherein the prepaid amount corresponding to the prepaid number obtained by the server is changed. 2. The e-commerce settlement according to claim 1, further comprising: a terminal; and a transmission medium connecting the terminal and the server, wherein the terminal transmits the prepaid number via the transmission medium. system. 3. The prepaid card according to claim 2, further comprising a prepaid card on which the prepaid number is recorded, wherein the terminal has a reading unit for reading the prepaid number from the prepaid card, and the terminal includes a reading unit. An e-commerce payment system for obtaining the prepaid number recorded via the electronic commerce. 4. The e-commerce settlement system according to claim 3, wherein the server provides merchandise information to the terminal. 5. The e-commerce settlement system according to claim 4, wherein the terminal is used by an orderer, and merchandise information selected by the orderer is transmitted to a server together with the prepaid number. 6. The e-commerce settlement system according to claim 5, wherein the selected product information includes a price of the product, and the prepaid amount is reduced. 7. The e-commerce settlement system according to claim 6, wherein when the prepaid amount is smaller than the price, the prepaid amount is not changed. 8. The e-commerce settlement system according to claim 7, wherein the prepaid amount is not increased. 9. Selling a prepaid card on which a prepaid number is recorded; creating a table formed from the prepaid number and a prepaid amount; receiving a request for a price together with the prepaid number from a billing source; Subtracting the price from the prepaid amount. 10. The electronic commerce settlement method according to claim 9, further comprising, when the price is larger than the prepaid amount, notifying the billing source that settlement is not possible.