JP2011186660A - Electronic commerce system, settlement server and program - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic commerce system allowing easy payment of online commodity purchase by use of prepaid type electronic money. <P>SOLUTION: A user previously purchases the electronic money through one's own cellphone 1. A balance of the electronic money is registered in an electronic money database associatively with type peculiar information of the cellphone 1. When the user accesses a sales server 3 through the cellphone 1, specifies a commodity, and performs a purchase application, the sales server 3 transmits the type peculiar information of the cellphone 1 to a settlement server 2 together with a price of the commodity. The settlement server 2 takes out the balance of the electronic money associated with the type peculiar information in reference to the electronic money database, compares the commodity price with the balance, decides settlement propriety, and transmits a decision result to the sales server 3. When settlement is possible, the balance of the database is updated by a value obtained by subtracting the commodity price from the balance by a predetermined method and in predetermined timing. <P>COPYRIGHT: (C)2011,JPO&INPIT

Description

The present invention relates to an electronic commerce system that can easily make payment for online product purchases using prepaid electronic money.

With the spread of the Internet, the purchase and sale of tangible and intangible products has been carried out on the Internet. Payment is often made by credit card payment. To that end, personal information such as a credit card number must be transmitted to the seller via a communication network. As a result of this, personal information leakage accidents have become popular in the world, and not only specific financial problems but also the spread of Internet trading itself.
In view of this situation, a safe payment method has been proposed.
The invention described in Patent Document 1 is one of them, and uses prepaid electronic money as a payment means.

On the other hand, since the functions of mobile phones are not limited to calls but have become widespread, the mobile phones have come to be used as means for exchanging monetary values. The invention described in Patent Document 2 is also intended to utilize a mobile phone for such an application, and proposes electronic voting using electronic money from the mobile phone.

JP 2005-327050 A ([0042], [0058], FIG. 5) JP 2008-257430 A ([0017], [0019], [0037])

By the way, in general, "electronic money" includes (a) an IC card type, (b) a type provided in an internal memory of a personal computer or a mobile phone (hereinafter referred to as "portable built-in type"), and (c) a network. There is a type (hereinafter referred to as a “network type”) provided in a database connected to the system of the electronic money management company via the Internet.

The invention described in Patent Document 1 has the above-mentioned type (c) of electronic money in mind, but electronic money identification information must be input.
Since a large amount of electronic money is issued, the number of digits of identification information for distinguishing individual electronic money from others naturally increases. Regardless of high-priced products that are rarely purchased, it is complicated to input identification information with a large number of digits each time a purchase is made for products on the Internet that are inexpensive and frequently purchased. As the number of digits increases, the number of digits increases, so it is not convenient and the basic theme of popularization of Internet trading cannot be met.

The electronic money of the invention described in Patent Document 2 is assumed to be either a portable type (b) or a network type (c). When accessing the refund system via the Internet, the electronic money member For confirmation that there is. Individual information of the customer terminal is transmitted. Since the member authentication is performed with the solid information, the member does not need to input identification information. In this way, although providing high convenience to the user, it has a fatal drawback only in the case of “prepaid type network electronic money”. This will be described. Even when the balance of one electronic money becomes scarce, a necessary amount may be satisfied if a plurality of electronic money held by the same person is added up. By the way, in terms of financial institutions, centralized management of multiple accounts of the same customer is called “name identification”. Similarly, if the management of a plurality of electronic money of the same customer is called “name identification” of the electronic money version, the invention of Patent Document 2 does not have this name identification function. There is no problem because it is easy to charge with IC card type or built-in type electronic money, but since prepaid network type electronic money that cannot be charged is frequently traded, this name identification function is important. It is.

In view of the above problems, an object of the present invention is to improve the usability of the network type electronic money (c). Specifically, by making it unnecessary to input identification information of electronic money and making it possible to add up the balance of multiple electronic money that you have and pay for it, from purchasing products on the Internet It is to be able to quickly and easily use electronic money up to settlement.

In order to achieve the above object, the present invention provides:
An electronic commerce system including a settlement server, a sales server, and a user portable terminal that can communicate with each other via a communication network, has the following characteristics.
The payment server
An electronic money balance storage means, a settlement acceptability response means, and an electronic money balance update means are provided.
The electronic money balance storage means stores the model-specific information of the user portable terminal used when purchasing electronic money in association with the electronic money balance and the electronic money ID.
Upon receiving the model-specific information and product price of the user portable terminal from the sales server, the settlement enable / disable response unit extracts the balance corresponding to the model-specific information from the electronic money balance storage unit, and can settle if the balance is equal to or greater than the product price. If the price is lower than the product price, it will be answered that payment is not possible. That is, it is determined whether there is an electronic money balance equal to or higher than the product price.
The electronic money balance update means updates the balance stored in the electronic money balance storage means to a value obtained by subtracting the product price from the balance when the payment is possible.
The sales server is
A product information storage unit, a product information providing unit, a purchase application receiving unit, a settlement availability inquiry unit, and a product provision availability notification unit are provided.
The merchandise information storage means stores the merchandise specifying information (for example, the merchandise item number) of the sales merchandise in association with the price.
The product information providing means transmits product introduction information in response to a browsing request from the user portable terminal.
The purchase application receiving means receives the model specific information of the user portable terminal together with the product specifying information for specifying the product desired to be purchased from the user portable terminal.
The settlement availability inquiry unit retrieves the price of the product corresponding to the product identification information from the product information storage unit, and transmits this price and model-specific information to the settlement server.
The product provision availability notification means notifies the user mobile terminal that the product desired to be purchased is provided when a response is received from the payment server, and the user indicates that the product cannot be provided when there is a response that payment is not possible. Notify your mobile device.
“User” refers to a person who intends to purchase and pay for a product using the system of the present invention. As the user portable terminal, a cellular phone is used in the following embodiment. This is because mobile phones are remarkably widespread and have abundant functions other than calls such as camera functions and web page browsing functions.
The “product” is not limited to a form such as a book or various tickets, but may be an intangible form such as digital data. Anything can be used for online transactions.

There is an existing technology in which QR code (registered trademark) is described in purchased network-type electronic money, thereby making it unnecessary to input an electronic money ID. However, in the present invention, a person who purchases electronic money using a mobile phone and purchases the product associates the electronic money ID with the model-specific information of the mobile phone, thereby inputting the electronic money ID (for purchasing the product). Without having to read the QR code each time), simply by specifying the product and making a purchase application, payment is made and the desired product can be provided promptly. This is particularly convenient when purchasing small-sized items and the like many times. This is because the balance is managed by associating electronic money with model-specific information such as the mobile phone's mobile ID, so the model-specific information of the mobile phone transmitted to the sales server along with the product application is sent from the sales server to the settlement server. This is because the settlement server can grasp the balance only with the mobile ID without using the electronic money ID.
In addition, since the payment server can manage the electronic money balance as long as the model-specific information of the mobile phone is known, the payment server does not need personal information about the user. This is not only safe for security, but also because the payment server does not require a personal information database storing addresses, names, etc., the system is lightly equipped, and operational costs are greatly reduced. .

In order to achieve the above object, the browsing request from the user portable terminal is obtained by reading a two-dimensional barcode obtained by encoding a URL representing the location of the product introduction information by the built-in camera of the user portable terminal. It may be transmitted to the sales server.
As a result, you can immediately access the product sales site via a two-dimensional barcode displayed on TV screens or printed in advertising media such as magazines and catalogues. Can be made.
In the following embodiment, a kind of QR code of a two-dimensional barcode is used.

In order to achieve the above object, if a plurality of electronic money having balances associated with the same model-specific information is stored in the electronic money balance storage means, whether or not settlement is possible is determined by the plurality of electronic money. The electronic money balance update means may update the electronic money balance to a value obtained by subtracting the balance of the electronic money in a predetermined order when settlement is possible, by making a determination by comparing the total value of the balance with the selling price.
As a result, even if one electronic money cannot be purchased because the selling price is insufficient, if a plurality of electronic money is added up, the electronic money can be purchased if there is a balance equal to or higher than the selling price. Since the balance is performed by the payment server, no user operation is required. In addition, it is possible to prevent electronic money with a small balance remaining without being used.

Further, the settlement server in the above system and the computer program for causing the computer to function as the settlement server also achieve the above object.

The user does not need to input electronic money identification information when using the electronic money.
When you make a purchase application at a sales site via a mobile phone, the model-specific information of the mobile phone is sent from the sales site to the payment site. With this model-specific information, balance inquiry and payment can be made. The seller can also complete the payment just by accessing the sales site.
Even if one person has multiple electronic money, the database can determine the electronic money of the same person by associating with the model-specific information of the mobile phone, so even if the balance of one electronic money is less than the purchase amount When a plurality of electronic money is added up, it can be purchased if the purchase amount is more than the purchase amount.
In particular, when the product is digital data, personal information is not required in the sales server as well as the settlement server.

It is a figure which shows the structure of the system of embodiment. 1 is a block diagram of a mobile phone according to an embodiment. It is a block diagram of the settlement server of an embodiment. It is a figure which illustrates the table structure of electronic money DB of an embodiment. It is a block diagram of the sales server of an embodiment. It is a figure which shows the processing flow of the system of embodiment. It is a figure which shows the example of a screen of goods purchase application of embodiment. It is a figure which shows the example of a screen of the payment method selection of embodiment.

Hereinafter, a system according to an embodiment of the present invention (hereinafter, “the present system”) will be described with reference to the drawings.

<Outline of the system>
First, an outline of this system will be described.
The user (A) purchases electronic money (C) of the electronic money management company (B) at a convenience store or the like. Upon purchase, an electronic money ID (D), which is identification information of the electronic money (C), and a card or receipt printed with a QR code obtained by encoding the ID (D) are delivered. The user (A) reads the QR code with his / her mobile phone (E), so that the electronic money management company (B) receives the model-specific information (F) and the electronic money ID (D) of the mobile phone (E). When transmitted, the model-specific information (F), the electronic money ID (D), and the purchase amount of the electronic money (C) are registered in association with each other in the database (G) that manages the electronic money balance. This purchase amount is an initial value of the balance, and is registered in the database (G) until the balance reaches 0 yen.
When the QR code (I) of the product sales site (H) is displayed on the TV screen, newspaper, magazine, etc., the user (A) takes a picture with the camera function of the mobile phone (E), and the product sales site. Access (H). When the user (A) applies for purchase of the product (J) that he / she likes on the product sales site (H), information specifying the product (J) and model-specific information (F) of the mobile phone (E) are: It is transmitted to the product sales site (H). If the merchandise sales site (H) is affiliated with the electronic money management company (B), the settlement price (K) associated with the electronic money management company (B) is accessed, and the sales price of the product (J) And model-specific information (F) are transmitted. The electronic money management company (B) extracts the balance of the electronic money (C) corresponding to the model specific information (F) from the database (G) for managing the balance, and this balance is equal to or higher than the price of the product (J). If there is, the product sales site (H) is notified that the sale to the user (A) is possible.

Here, the minimum number of users (A) is that the user wishes to purchase by accessing the merchandise sales site (H) with the mobile phone (E) used when registering the electronic money (C) in the database (G). It is only to select a product (J). The payment is made by sending the model-specific information (F) of the mobile phone (E) acquired by the merchandise sales site (H) to the settlement site (K), so that the merchandise sales site (H) and the settlement site (K) Since the process is performed only in between, the user (A) does not need to input the electronic money ID (D).
As described above, the present system can quickly and simply carry out from the purchase of goods through the Internet to the settlement. In particular, if the product is digital data such as music, the sale is completed by reproduction or download, so it is not necessary to input personal information for shipping the product.
Hereinafter, the configuration of the system and the flow of processing will be described in detail.

<< System configuration >>
In this system, as shown in FIG. 1, a user's mobile phone 1, a settlement server 2, and a sales server 3 can be connected via a communication network 4.
The settlement server 2 is a computer used by an electronic money management company or the like to issue electronic money or settle a payment. The sales server 3 is a person who operates a product sales site for business of selling products. The computer to use.
The communication network 4 includes a dedicated line network in addition to the Internet and a mobile communication network.
In FIG. 1, only one of each of the user's mobile phone 1, payment server 2, and sales server 3 is shown, but the number is not limited.
Further, neither the settlement server 2 nor the sales server 3 is configured by a single computer, and the functions are distributed to a plurality of computers, and these multiple units are realized in cooperation with each other. Also good.

The mobile phone 1 is a terminal device used by a user who intends to purchase a product online using this system, and is an example of a “user mobile terminal” according to claim 1.
As shown in FIG. 2, the mobile phone 1 includes an image acquisition unit 5, a code reading unit 6, a model specific information unit 7, a browsing unit 8, an input operation unit 9 such as keys and buttons, a display, and the like. A screen display unit 10, a communication interface unit 11, and a control unit 12 are provided.

The image acquisition unit 5 acquires a QR code photographed by a camera using a CCD as an image sensor.
The code reading unit 6 analyzes the data code image acquired by the image acquisition unit 5 and extracts information contained therein.
Information unique to the mobile phone 1 is stored in the model-specific information section 7. Specific information includes a mobile phone manufacturing number or a contractor number. The mobile phone number is also unique information, but is not used in the balance management of electronic money in the present invention from the viewpoint of protecting personal information.
The browsing unit 8 accesses the website based on the URL information extracted by the code reading unit 6 according to a program called a browser or a web browser, and receives information from the access destination on the screen. It is displayed on the display unit 10.
The control unit 12 controls the operation of each unit described above according to a predetermined control program.

As shown in FIG. 3, the settlement server 2 includes a processing unit 13, a storage unit 14, and a communication interface unit 15. As appropriate, an input means such as a keyboard and an output means such as a screen and a printer are also provided.

The storage unit 14 includes electronic money balance storage means 16.
The electronic money balance storage means 16 stores an electronic money balance database (hereinafter referred to as “electronic money”) that stores the model-specific information of the mobile phone 1 used when purchasing electronic money in association with the electronic money balance and the electronic money ID. Money DB ") is stored.
The storage unit 14 also includes other storage means for storing personal information about the seller who uses the settlement server 2, various programs, work data, and the like.

The processing unit 13 includes an electronic money registration unit 17, a settlement acceptability response unit 18, and an electronic money balance update unit 19.
When the electronic money registration means 17 receives an electronic money purchase application via the mobile phone 1, the electronic money registration means 17 generates an electronic money ID, sets the amount paid at the time of application as the initial balance, and then determines the balance and the electronic money ID. Is registered in the electronic money DB 16 in association with the model-specific information of the mobile phone 1.
Upon receiving the model-specific information and the product price of the mobile phone 1 from the sales server 3, the settlement enable / disable response means 18 extracts the balance corresponding to the model-specific information from the electronic money DB 16, and if this balance is equal to or greater than the product price. If payment is possible and the price is lower than the product price, reply that payment is not possible.
The electronic money balance update means 19 updates the balance stored in the electronic money DB 16 to a value obtained by subtracting the commodity price when payment is possible.
The function of each means of the processing unit 13 is realized by a CPU (not shown) reading and executing a program stored in the storage unit 14, but even if part of the function is realized by hardware. Good.

It is assumed that a person who intends to purchase a product using this system has obtained network-type electronic money in advance. As a precaution, I will explain how to obtain the electronic money.
A user goes to a convenience store that sells electronic money and applies for the purchase of electronic money.
For example, when you get 3000 yen of electronic money, you pay 3000 yen of cash and settle your mobile phone 1 based on information including the electronic money ID on the electronic money card or receipt of the product Connect to the server 2, send model-specific information and electronic money ID, and register 3000 yen of electronic money.
The electronic money ID is not limited to a character string, and may be printed as a QR code.
The electronic money registration means 17 of the settlement server 2 sets the purchase amount paid at the convenience store or the like as the initial balance, and associates this balance and the electronic money ID with the model-specific information of the mobile phone 1 in the electronic money DB 16. sign up.

An example of the data structure of the electronic money DB 16 is shown in FIG.
The model-specific information (16a) and the current balance (16c) are essential data.
From the model-specific information, the current balance of the electronic money of the user of the mobile phone 1 having the model-specific information and the total balance of the plurality of electronic money can be known. Therefore, from the purchase of merchandise like this system to settlement can be performed seamlessly without bothering the user.
However, since the electronic money ID (16b) is also registered, it is possible to settle by inputting the electronic money ID as before.
As other information (16d), the purchase date and time, the history of withdrawal from the balance, etc. are recorded as appropriate.
In addition, since the electronic money of this system assumes a prepaid type, the amount is not replenished (charged). Instead of charging, you will purchase electronic money separately.

As shown in FIG. 5, the sales server 3 includes a processing unit 20, a storage unit 21, and a communication interface unit 22. As appropriate, an input means such as a keyboard and an output means such as a screen and a printer are also provided.
The storage unit 21 includes product information storage means 23. The product information storage means 23 stores a product information database (hereinafter referred to as “product information DB”) that stores product specifying information and prices of sales products in association with each other.
The storage unit 21 also stores files such as HTML that stores web pages for accepting product introductions and purchase applications to users, information related to affiliated payment servers 2, work data, various programs, and the like. Storage means.

The processing unit 20 includes a product information providing unit 24, a purchase application receiving unit 25, a settlement availability inquiry unit 26, and a product provision availability notification unit 27.
The merchandise information providing means 24 transmits a merchandise introduction web page in response to a browsing request from the mobile phone 1.
The purchase application receiving means 25 receives the model specific information of the mobile phone 1 together with the product specifying information for specifying the product desired to be purchased from the mobile phone 1.
The settlement availability inquiry means 26 retrieves the price of the product corresponding to the product identification information from the product information DB 23 and transmits this price and model specific information to the settlement server 2.
The commodity provision availability notification means 27 notifies the mobile phone 1 that the commodity desired to be purchased is provided when the settlement server 2 replies that settlement is possible, and cannot be provided when there is a reply that settlement is impossible. Is notified to the mobile phone 1.
The function of each means of the processing unit 20 is realized by a CPU (not shown) reading and executing a program stored in the storage unit 21, but even if a part of the function is realized by hardware. Good.

<Operation of this system>
Next, the operation of this system will be described with reference to the processing flow of FIG.
It is assumed that a QR code obtained by encoding the URL of a merchandise sales site established by the sales server 3 is printed on a magazine advertisement or the like.
When the QR code is photographed by the image acquisition unit 5 (camera) of the mobile phone 1 (step S1, “step S *” is described as “S *” hereinafter), the code reading unit 6 performs the QR code. The URL is read from the URL and the site is accessed (step S2). At this time, the model-specific information of the mobile phone 1 stored in the model-specific information unit 7 is also transmitted.

When the product information providing means 24 of the sales server 3 transmits a product introduction page to the accessed mobile phone 1 (step S3), this page is displayed on the screen display unit 10 by the browsing unit 8 of the mobile phone 1. A favorite product is designated from the page illustrated in FIG. 7 via the input operation unit 9 (S4), and information specifying the product desired to be purchased is transmitted to the sales server 3 (S5). When the purchase application receiving means 25 of the sales server 3 acquires the information for specifying the product desired to be purchased, it extracts the sales price of the product corresponding to the product specifying information and other information (for example, whether there is inventory) from the product information DB 23. (S6).
The user may specify a plurality of types of products for different numbers. In this case, the unit price for each product type is extracted with reference to the product information DB 23 to calculate the total price.

If the sales server 3 has a plurality of payment methods, a screen for selecting a payment method is transmitted to the mobile phone 1 (S7). Since the payment method selection page illustrated in FIG. 8 is displayed on the screen display unit 10 of the mobile phone 1, the user selects electronic money payment from this page via the input operation unit 9 (S8), and sells. It transmits to the server 3 (S9). If the sales server 3 restricts the payment to electronic money payment, the processes in steps S7 to S8 are omitted. In addition, if the sales server 3 is affiliated with a plurality of settlement servers, further selection is made from among them. In the flow of FIG. 6 and the screen example of FIG. Show.

This completes the procedure for user purchase application. After that, when the settlement is completed between the sales server 3 and the settlement server 2, the merchandise is provided from the seller managing the sales server 3.
Hereinafter, a processing flow of settlement using electronic money will be described.

When the sales server 3 receives the payment method from the user, the settlement availability inquiry means 26 transmits the product price and the model specific information to the settlement server 2 (S10).
The settlement enable / disable response means 18 of the settlement server 2 refers to the current balance corresponding to the model specific information from the electronic money DB 16 and determines whether the product price can be settled (S11).

Here, it is assumed that the product price is 1500 yen.
From the record (a) of FIG. 4, if the model-specific information is a user of “MBL1111”, the electronic money balance is 2800 yen, so payment is possible.
If the user whose model specific information is “MBL3333” refers to the record (b), the electronic money balance is 50 yen and the payment is insufficient, but if the electronic money balance of the same person in the records (c) and (d) is added, 1800 Since it is a yen, it can be settled.
A user whose model-specific information is “MBL7777” has two types of electronic money registered in the records (e) and (f), but even if these balances are combined, it is 370 yen and cannot be settled.

If settlement is possible (Yes in S12), settlement acceptance / rejection response means 18 returns a message to the sales server 3 that the sale is possible (S13).
Here, you may request the financial institution which opened the account at the settlement server 2 side to transfer funds from this account to the corresponding account at the sales server side. For example, if an existing Internet banking mechanism is used, funds can be easily transferred between accounts.
The electronic money balance may be updated when it is sent to the sales server 3 that sales are possible or when a transfer between bank accounts is requested or completed. When the electronic money balance updating means 19 needs to update a plurality of electronic money, it may be updated by a predetermined method. For example, methods such as the order of purchase date of electronic money and the order of balances are conceivable.

If settlement is possible, the sales server 3 provides the user with the desired product (S14). If this product is electronic data, it can be provided online, so the mobile phone 1 may be notified of the URL of the website for downloading this electronic data. If it is a tangible thing, it will arrange dispatch by offline means, such as mail.
Since the method of transferring funds between the parties' accounts and providing goods is not essential to the present invention, details are omitted.

If the balance is less than the product price (no in S12), a message indicating that payment is not possible is sent to the sales server 3 (S15). The merchandise provision availability notification means 27 of the sales server 3 transmits a message to the mobile phone 1 indicating that the sales cannot be performed due to insufficient balance (S16).

As can be seen from the above description, there are the following three types of user operations on the mobile phone. That is, (1) QR code reading for accessing the sales site [S1], (2) designation of desired product [S4], and (3) payment method selection [S8]. It is very convenient.

Regardless of whether there is only one electronic money, in order to settle by summing up the balance of a plurality of electronic money, it is necessary to input each electronic money using the identification information. Therefore, it is very convenient that it is not necessary to input identification information as in this system. In addition, in this system, since all electronic money of the same person can be taken out by the model-specific information of the mobile phone, a plurality of electronic money can be combined and used for payment. One of the advantages of this system is that the system automatically performs this summation. If electronic money can only be used individually, electronic money with a small balance can be difficult to use and may remain unused. However, since this system automatically adds up, the electronic money can be used up to 0 yen.
In addition, charging is not possible, but instead, if the purchased electronic money balance has decreased, it may be purchased anew.

Furthermore, this system is preferable from the viewpoint of personal information protection. When purchasing electronic money, the user's name and address as well as the mobile phone number need not be entered. When you use electronic money, you can make a payment if you know only the model-specific information, so you don't know personal information such as who purchased where and how much. The payment server 2 that manages the electronic money balance must be notified of the model-specific information, but the user's personal information can hardly be obtained from the model-specific information.

Although the present invention has been described based on one embodiment, this embodiment is merely an example, and various modifications can be considered. Some variations are described below.

In the above embodiment, the settlement server issues and registers electronic money. However, a server dedicated to issuing electronic money may newly issue and register. For the present invention, it is important that the payment server has access to a database that manages the balance of electronic money, and it is not essential for the payment server to perform new issue / registration of electronic money.
In the above embodiment, it is assumed that the settlement server and the sales server are managed by different operating entities, but these may be realized by the same computer managed by the same operating entity. . Also in this case, the input of the electronic money ID between the purchase application and the settlement can be omitted, so that it is convenient for the user.
In the above embodiment, the user has purchased electronic money at a convenience store, etc., but he / she applied for purchase by accessing a predetermined site from a mobile phone, and the price can be paid together with the mobile phone fee or by credit card payment. Good.
In the above-described embodiment, a QR code obtained by encoding a URL is read for accessing a sales site, but it goes without saying that the URL may be key-inputted.
In the above embodiment, the QR code is used. However, the present invention is not limited to this, and it may be a two-dimensional barcode other than the QR code, a one-dimensional barcode, or a character string representing a URL or an electronic money ID.
In the above embodiment, the QR code representing the URL of the sales site is printed on a magazine advertisement or the like, but it may be displayed on the screen at the ending of a television, for example. In the case of TV, if it is linked with the contents of the program or led to a website established by a sponsor, further sales and advertising effects can be expected.
In the above embodiment, only the electronic money associated with the model-specific information is registered in the electronic money DB 16 (FIG. 4). As a result of the settlement with the sales server that does not use the model-specific information, electronic money whose balance has been updated without association may be registered.

When purchasing products on the Internet, no special operation or personal information is required between the purchase application and payment, so convenience and safety are guaranteed at the same time. Expected to help.

DESCRIPTION OF SYMBOLS 1 Mobile phone 2 Payment server 3 Sales server 4 Communication network 16 Electronic money balance storage means 18 Settlement acceptability response means 19 Electronic money balance update means 23 Product information storage means 24 Product information provision means 25 Purchase application acceptance means 26 Settlement acceptability inquiry means 27 Product availability notification means

Claims (6)

An electronic commerce system comprising a settlement server that can communicate with each other via a communication network, a sales server, and a user portable terminal,
The payment server
Electronic money balance storage means for storing the model-specific information of the user portable terminal used when purchasing electronic money in association with the electronic money balance and the electronic money ID;
When receiving the model-specific information and product price of the user portable terminal from the sales server, the balance corresponding to the model-specific information is taken out from the electronic money balance storage means, and if the balance is equal to or greater than the product price, the product can be settled. A settlement acceptability response means for replying that settlement is impossible if it is less than the price,
An electronic money balance update means for updating the balance stored in the electronic money balance storage means to a value obtained by subtracting the received product price from the balance when the payment is possible;
The sales server is
Product information storage means for storing the product identification information and the price of the sales product in association with each other;
Product information providing means for transmitting product introduction information in response to a browsing request from the user portable terminal;
A purchase application receiving means for receiving model-specific information of the user mobile terminal, together with product specifying information for specifying a product desired to be purchased from the user mobile terminal,
A settlement availability inquiry unit that takes out the price of a product corresponding to the product identification information from the product information storage unit, and transmits the price and the model-specific information to the settlement server;
When there is a response from the payment server that payment is possible, the user portable terminal is notified that the product desired to be purchased is provided, and when there is a response that payment is not possible, the user portable terminal is notified that the payment cannot be provided. An electronic commerce system comprising a product provision availability notification means for notification. The browsing request from the user portable terminal is transmitted to the sales server when a built-in camera of the user portable terminal reads a two-dimensional barcode obtained by encoding a URL representing the location of the product introduction information. The electronic commerce system according to claim 1. When a plurality of electronic money having a balance associated with the same model-specific information is stored in the electronic money balance storage means, whether or not settlement is possible is determined by summing the balance of the plurality of electronic money and the selling price. 3. The electronic commerce transaction according to claim 1, wherein the electronic money balance updating means updates the electronic money balance to a value obtained by subtracting the electronic money balance in a predetermined order when settlement is possible. system. A payment server that manages the balance of new issuance and use of network-type electronic money,
Electronic money balance storage means for storing the model-specific information of the user portable terminal used when purchasing electronic money in association with the electronic money balance and the electronic money ID;
When receiving the inquiry about whether payment is possible together with the model-specific information and the product price of the user portable terminal via the communication network, the balance corresponding to the model-specific information is retrieved from the electronic money balance storage means, and the balance is equal to or greater than the product price. A settlement enable / disable response means for replying that settlement is possible if the price is less than the product price,
An electronic money balance updating means for updating the balance stored in the electronic money balance storage means to a value obtained by subtracting the received commodity price from the balance stored in the electronic money balance storage means when the payment is possible; . When a plurality of electronic money having a balance associated with the same model-specific information is stored in the electronic money balance storage means, whether or not settlement is possible is determined by summing the balance of the plurality of electronic money and the selling price. 5. The settlement server according to claim 4, wherein the electronic money balance update means updates to a value obtained by subtracting the balance of electronic money in a predetermined order when payment is possible. A computer program that causes a computer to operate as the settlement server according to claim 4 or 5.

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