JP2000148851A - Electronic settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable an electronic settlement system which settles the accounts of purchased commodities between purchasers and shops through a communication network to make electronic settlement processing of many settlement types by not making a device for purchaser to be loaded with all electronic settlement processing programs of the settlement types nor completely down load the electronic settlement processing program of a used settlement type, but hold or down load the necessary minimum portion of the electronic settlement processing program of the used settlement type. SOLUTION: Of the electronic settlement processing programs used between a device 1100 for purchaser and a device 1500 for shop, only an auxiliary electronic settlement processing program 1130 which is limited to the processing range essential to the device 110 is made to be held by the device 1100 and the remaining processing program (main electronic settlement processing program 1310) is made to be held by a main electronic settlement processor 1300 which functions between the devices 1100 and 1500 so that the devices 1100 and 1500 may process electronic settlement by calling the program 1310 from the processor 1300 when needed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system for performing electronic payment among electronic commerce transactions for purchasing and paying for goods via a communication network such as the Internet.

[0002]

2. Description of the Related Art In recent years, electronic commerce (EC), in which purchase and settlement of goods are performed using a communication network, particularly the Internet, has attracted attention, and many experiments have been conducted toward its practical use. Electronic payment, which is one of the functions of such electronic commerce, performs electronic payments in the real world.
There are an online account fund transfer method and a credit card method. In the electronic money system, cash-type electronic money that can circulate information (money value information) roughly containing money value from one to the next, and the used amount circulates to the issuer of the electronic money There is prepaid electronic money. The credit card method includes an SSL (Secure Socket Layer) protocol for encrypting the communication channel itself and an S (Synthesis) technology that uses a complicated combination of encryption technologies for credit card payment.
A standard using ET (Secure Electronic Transaction) is standard, but various other systems are used in a store on a communication network.

[0003] In any case, in the case of electronic settlement, since a transaction partner cannot be visually confirmed and it is necessary to transmit personal confidential information and monetary value information over a communication network, for example, digital signature, encryption or one-way communication is required. There is a need to enhance security features using cryptographic techniques such as sex hashing.

In the above-mentioned electronic settlement system, money value information in the electronic money system and secret information such as a user's secret key used for digital signature or encryption processing are stored in a storage device constantly connected to a communication terminal such as a personal computer. For example, when stored on a hard disk, there is a risk of destruction, falsification, plagiarism, etc. due to the intrusion of another person via a communication network, and there is a large security risk. Therefore, the data is often stored in an IC card. The IC card can not only store such money value information and confidential information but also perform predetermined processing on input data using the information and output a processing result. For example, a digital signature can be applied to input data using a user private key for digital signature in an IC card, and output. For this reason, use of an IC card is expected in many electronic payment methods in the future.

A general processing procedure of a system for performing electronic settlement using such an IC card will be described below. First, a purchaser of a product searches and selects a purchased product using a product search and selection program of the purchaser's device. When the selection of the purchased product is completed, the electronic wallet is activated, and any one of the settlement methods supported by the electronic wallet is selected. Thus, the settlement process is started. At this time, the IC card is inserted into the IC card reader / writer of the purchaser's device. The payment processing is performed by a purchaser selected from various electronic payment processing components (programs that can be handled as components) supported by the electronic wallet. This process is usually executed as a transaction process of the store server or a transaction process including the settlement institution server in the store server.

[0006] Communication messages during the transaction processing include important information such as money value information and personal identification data. This important information must be retained and processed so that it cannot be misused or counterfeited by others, and therefore, on the part of the purchaser,
In a store or a settlement institution, it is necessary to hold and process in a highly secure device having tamper resistance or the like.

[0007]

However, the above conventional system has the following problems. (1) Each of the above electronic settlement methods has been independently proposed and tested, and there is no compatibility between the methods. Therefore, at the time of settlement, the purchaser and the dealer need to perform processing in the same manner, and the purchaser and the dealer must have processing programs and devices in the same manner. In other words, when purchasing goods from various stores, it is necessary to process electronic settlements at each store by the settlement method of each store server, and use a versatile device as a purchaser's device. Even in such a case, the purchaser's device needs to have various electronic payment processing programs corresponding to various payment methods.

[0008] (2) Since the buyer's device performs the electronic payment processing by itself from beginning to end, high performance is required for all the buyer's devices in order to perform high-speed electronic payment processing.

(3) If the purchaser's device does not have a payment processing program corresponding to the payment method of the store server, the payment processing program of the store's payment method is transferred from the store server to the purchaser at the time of payment. It is also conceivable to download it to a device for use. However, when this method is adopted in the conventional system, it is necessary to download the entire payment processing program on the side of the store to the purchaser's device, which increases the communication load.

The present invention has been made to solve the above-mentioned problems of the conventional system.

[0011]

The present invention employs the following structure to solve the above-mentioned problems. An electronic payment system for performing settlement of a product purchase between a purchaser device and a store device via a communication network has a main electronic payment processing program functioning at least between the purchaser device and the store device. A main electronic payment processing device is provided, and the electronic payment processing program of the purchaser device is set and executed as an electronic payment auxiliary processing program within a processing range that needs to be performed on the purchaser device. The electronic payment system is characterized in that the remaining electronic payment processing between the purchaser device and the store device is executed by a main electronic payment processing program of the main electronic payment processing device. .

[0012]

Embodiments of the present invention will be described below with reference to the drawings. << Specific Example 1 >><Configuration of Specific Example 1> FIG. 1 is a configuration diagram showing a specific example 1 of the electronic settlement system according to the present invention. Here, the purchaser's business system server (main electronic payment processing device) 130
0, a system configuration in which a store server (store device) 1500 and a settlement institution server 1600 are connected by a communication network 1700 such as the Internet.

Here, the purchaser business system server 1300 comprises a plurality of, here two purchaser devices 1100, 1200 connected by a LAN 1400 to constitute a purchaser business system 1000. .

The purchaser's device 1100 is provided with a product search and selection program 1105 and an electronic wallet 1110 for conducting electronic commerce, a CRT display (hereinafter abbreviated as CRT) 1155 and a keyboard 1.
160 and an IC card reader / writer 1145 are connected.

The electronic wallet 1110 is an electronic payment processing component (a program that can be handled as a part) corresponding to various electronic payment methods such as an electronic money method, an online account fund transfer method, and a credit card method.
Can be attached and detached. In the illustrated example, the payment method A (for example, a credit card method), the electronic payment processing component 1120 for the purchaser's device, and another payment method, here, the payment method B (for example, the electronic money method), the purchaser's device, An electronic payment processing component 1135 is installed. These electronic payment processing components 1120,
1135 can also be downloaded in real time from the purchaser's business system server 1300 at the time of electronic settlement.

The electronic payment processing component 1120 includes:
An electronic payment processing call stub 1125 for calling an electronic payment processing program 1305 described later of the purchaser business system server 1300, and a purchaser business system server 1
It comprises an electronic payment auxiliary processing program 1130 corresponding to the callback from the 300 side. The electronic payment assistance processing program 1130 is provided for the purchaser device 1100.
In performing the electronic settlement processing between the shop server 1500 and the electronic payment processing, the processing is set to be limited to the processing range that needs to be performed on the purchaser's apparatus 1100. The electronic payment processing component 1135 is also different except that the payment method is different.
The electronic payment processing component 1120 is configured similarly. The electronic settlement system management unit 1115 manages these components 1120 and 1135.

The CRT 1155 is an I / O device and a keyboard 1160 for displaying various information during electronic commerce.
Is an I / O device for inputting various data and commands during electronic commerce. The IC card reader / writer 1145 is an I / O device that reads from and writes to an IC card 1150 described in detail below.

The other buyer's device, here the buyer's device 1200, also differs in that the settlement method may be different,
The configuration is the same as that of the purchaser device 1100. An IC is used as a connection I / O device of the purchaser's apparatus 1200.
Although only the card reader / writer 1245 is shown,
A CRT and a keyboard are appropriately connected according to the settlement method.

The purchaser's business system server 1300 includes:
An electronic payment processing program 1305 for performing electronic payment processing between at least the buyer's devices 1100 and 1200 and the store server 1500 is provided. In this case, the electronic payment processing program 1305 includes the electronic payment method management unit 132
0 and a main electronic settlement processing component (main electronic settlement processing program) of various settlement methods. Here, only the settlement methods A and B; main electronic settlement processing components 1310 and 1315 for the purchaser's business system server are illustrated, and the other components are not illustrated.

The main electronic settlement processing component 131
0 is the purchaser's device 1100 and the store server 1500
The processing of a range excluding the processing range of the electronic payment assisting processing program 1130 from the entire electronic payment processing range between them (most of the entire electronic payment processing range between the buyer's devices 1100 and 1200 and the store server 1500) is performed. Is set to do. The main electronic payment processing component 1315 also includes
The main electronic payment processing component 1310 is configured similarly to the main electronic payment processing component 1310 except that the payment method is different.

The purchaser's business system server 130
0 indicates the purchaser's device 1100 at the time of electronic settlement if necessary.
Enables electronic payment processing component 1120 to be downloaded in real time.
It comprises a substantial electronic payment processing component (not shown). The electronic payment processing component may be provided independently in the electronic payment processing program 1305, or may be included in the main electronic payment processing component 1310. The same applies to the electronic payment processing component 1135.

The store server 1500 includes a product display / search program 1510 and product data 1505.
Product display and search program 1510 is product data 15
05 is released on the communication network 1700 to sell products. The store server 1500 adopts the payment method A, and an electronic payment processing program (settlement method A, electronic payment processing program for store server) 1515 for performing the electronic payment processing of the payment method A.
It has.

The store server 1500 has a high-security processing device 15 capable of maintaining and processing secret information such as a secret key used for digital signature and encryption processing with high security.
20 are connected. This high security processing device 1520
Is mainly the secret information 1525 of the store server 1500.
And data processing using the secret information 1525 is possible.

The settlement institution server 1600 includes, for example, a bank,
Installed in credit companies or their agencies. The settlement institution server 1600 adopts the settlement method A here, and includes an electronic settlement processing program (settlement method A, settlement institution server electronic settlement processing program) 1605 for performing the electronic settlement processing of the settlement method A. In addition, the payment institution server 1600 has a high security processing device 161 in the same manner as the high security processing device 1520 in the store server 1500.
0 is connected. This high security processing device 1610
Is mainly the secret information 161 of the settlement institution server 1600.
5, etc., and data processing using the secret information 1615 is possible.

FIG. 2 shows the I used by the buyer at the time of electronic payment.
FIG. 3 is an internal configuration diagram of a C card 1150. The IC card 1150 is configured to correspond to the settlement method A and the settlement method B, and includes the card OS 1805, the settlement method A, and the IC card electronic settlement processing component 18 therein.
15. Payment method B, IC card electronic payment processing component 1820 and both components 1815, 182
An electronic payment method management unit 1810 that manages 0 is installed. Further, data 1825 and 1835 necessary for settlement in each settlement system A and B are stored. The settlement method A data 1825 includes secret information 1830 such as a purchaser secret key used during the settlement process.

<Operation of Specific Example 1> Next, the operation of the specific example 1 will be described. First, the purchaser uses the purchaser device 1
100 executes a product search and selection program 1105 on the store 100, and the store server 1500 connected to the communication network 1700 using the WWW (World Wide Web) or the like.
The user accesses the above product display and search program 1510 and refers to the product data 1505 on the screen of the CRT 1155 to select a purchased product. Then, the electronic wallet 1110 is activated in order to perform the settlement process for the product.
IC card 1150 is timely IC card reader / writer 1
145.

FIG. 3 is a flow chart showing the operation of the system (mainly the purchaser's device 1100 and the purchaser's business system server 1300) at the time of settlement. Hereinafter, referring to FIG. The operation will be described. Here, the store server 1500 employs the settlement method A. Therefore, the electronic wallet 1110
Purchaser selects payment method A on the payment method selection screen of electronic wallet 1110 displayed on CRT 1155, and starts the payment processing (step 100). As a result, the electronic settlement processing call stub 1125 in the electronic settlement processing component 1120 is changed to the electronic settlement method management unit 111.
5 is called (step 105).

Called electronic settlement processing call stub 1
125 makes a payment processing request to the electronic payment processing program 1305 on the purchaser's business system server 1300 (step 110). The electronic payment processing program 1305 that has received the request calls the main electronic payment processing component 1310 using the electronic payment method management unit 1320 (step 115).

Main electronic payment processing component 1310
Functions as a main part of the main payment processing, and proceeds with the payment processing while communicating with the electronic payment processing program 1515 on the store server 1500 (step 12).
0). In this settlement processing, a dialogue display or the like is displayed on the screen of the CRT 1155 of the purchaser's device 1100 in order to obtain the confirmation of the purchaser, the name of the dealer server being communicated, the account number or IC card required for the settlement are displayed. 115
For example, the user inputs secret information different from the secret information 1830. Also, the secret information 1 in the IC card 1150
830 using data input / output processing, for example, secret information 1
830, more specifically, a process of performing a digital signature on data input to the IC card 1150 using the purchaser's private key and outputting the data.

Since these processes are performed by the purchaser's apparatus 1100, the purchaser's business system server 130
0 main electronic payment processing component 1310 is an electronic payment auxiliary processing program 1130 of the buyer device 1100.
(Step 130).

The electronic payment auxiliary processing program 1130 which has received the request performs processing for obtaining the purchaser's confirmation on the purchaser's device 1100 side as described above and the IC card 11
A data input / output process (electronic payment assisting process) between the terminal and the electronic payment processing unit 50 is performed (step 135), the result is returned to the main electronic payment processing component 1310 (step 140), and the process returns to step 120.

The above steps 120 to 140 are repeated until all settlement processing is completed (step 12).
5). When the payment processing is completed, the processing is returned to the electronic payment processing call stub 1125 (step 145).

Note that the electronic settlement processing in the settlement method A is actually performed by the purchaser device 1100 of the settlement method A.
This is performed not only between the (purchase side business system server 1300) and the store server 1500, but also between the store server 1500 of the settlement system A and the settlement institution server 1600 of the settlement system A. In FIG. 1, the store server 15 of the settlement method A
The electronic settlement with 00 is performed by the settlement institution server 160 of the settlement method A.
This example illustrates a case where the electronic payment processing is performed using an electronic payment processing program 1605 (payment method A, electronic payment processing program for payment institution server). In this example, when the purchaser selects a product, the store server 1 of the settlement method A
Electronic payment processing program 1515 (settlement method A, electronic payment processing program for store server) 1515 issues a payment instruction to electronic payment processing program 1605 on payment institution server 1600 of payment method A,
A settlement process between 600 and 600 is performed.

<Effects of Specific Example 1> (1) An electronic payment processing program of various types of payment methods is installed in the purchaser's device 1100, or the entire electronic payment processing program of the payment method used at the time of payment is installed. Electronic payment processing of various types of payment methods can be performed simply by holding or downloading only the minimum required processing part (electronic payment processing component) without downloading.

(2) By using the high-performance purchaser-side business system server 1300, all purchaser devices 110 connected to the system server 1300 can be used.
High-speed electronic payment processing can be performed from 0,1200. That is, the buyer's devices 1100 and 1200 themselves do not require higher performance than the conventional system, and high-speed electronic payment processing from each of the buyer's devices 1100 and 1200 is possible.

(3) An electronic payment processing program corresponding to the payment method of the store server 1500 is stored in the purchaser device 110.
0, 1200, and at the time of payment, the electronic payment processing program of the payment method supported by the store server 1500 is transferred from another server, here the purchaser's business system server 1300, to the purchaser devices 1100, 12
It is also conceivable to download the file at 00 and use it. When this method is adopted in the system of the present invention, the corresponding electronic payment processing program (main electronic payment processing component 131)
0,1315), not the whole (the part corresponding to the electronic payment processing components 1120, 1135)
Can be downloaded to the purchaser's devices 1100 and 1200, so that the communication load is not increased.

(4) The main electronic settlement processing device of the system of the present invention is provided as a purchaser business system server 1300 in the purchaser business system 1000 by connecting to the purchaser devices 1100 and 1200 via the LAN 1400. Therefore, there is also an advantage that the system can be operated in close and linked to the purchaser's business. Further, there is an advantage that the communication load when downloading the portions corresponding to the electronic payment processing components 1120 and 1135 to the purchaser's devices 1100 and 1200 is applied to the LAN 1400 but not applied to the communication network 1700 at all.

<< Embodiment 2 >><Configuration of Embodiment 2> FIG. 4 is a configuration diagram showing Embodiment 2 of the electronic settlement system according to the present invention. Here, a plurality of, for example, two buyer devices 1100 and 1200, an electronic payment agent server (main electronic payment processing device) 2300,
The store server (store device) 1500 and the settlement institution server 1600 are connected to the communication network 1 such as the Internet.
7 shows a system configuration connected by reference numeral 700.

The purchaser's device 1100 is provided with a product search and selection program 1105 and an electronic wallet 1110 for conducting electronic commerce, and a CRT display (hereinafter abbreviated as CRT) 1155 and a keyboard 1.
160 and an IC card reader / writer 1145 are connected.

The electronic wallet 1110 is an electronic payment processing component (a program that can be handled as a component) corresponding to various electronic payment methods such as an electronic money method, an online account fund transfer method, and a credit card method.
Can be attached and detached. In the illustrated example, the payment method A (for example, a credit card method), the electronic payment processing component 1120 for the purchaser's device, and another payment method, here, the payment method B (for example, the electronic money method), the purchaser's device, An electronic payment processing component 1135 is installed. These electronic payment processing components 1120,
1135 can be downloaded from the electronic settlement agency server 2300 in real time at the time of electronic settlement.

The electronic payment processing component 1120 includes:
An electronic payment processing call stub 1125 for calling an electronic payment processing program 2305 described later of the electronic payment proxy server 2300, and an electronic payment auxiliary processing program 11 corresponding to a callback from the electronic payment proxy server 2300 side.
30. The electronic payment auxiliary processing program 1130 is set to be limited to the processing range that needs to be performed on the purchaser's device 1100 when performing the electronic payment processing between the purchaser's device 1100 and the store server 1500. . Electronic payment processing component 113
5 has the same configuration as the electronic payment processing component 1120 except that the payment method is different. The electronic settlement system management unit 1115 manages these components 1120 and 1135.

The CRT 1155 is an I / O device and a keyboard 1160 for displaying various information during electronic commerce.
Is an I / O device for inputting various data and commands during electronic commerce. The IC card reader / writer 1145 reads and writes data from and to the IC card 1150.
/ O device.

The other buyer's device, here the buyer's device 1200, also differs in that the settlement method may be different.
The configuration is the same as that of the purchaser device 1100. Although the connected I / O device of the buyer's device 1200 is not shown, the I / O according to the settlement method of the buyer's device 1200 is not shown.
O devices are connected as appropriate.

The electronic settlement agent server 2300 includes at least the buyer devices 1100 and 1200 and the store server 1
An electronic payment processing program 2305 for performing electronic payment processing between 500 is provided. In this case, the electronic payment processing program 2305 includes an electronic payment method management unit 2320 and electronic payment processing components (main electronic payment processing programs) of various payment methods. Here, only the settlement methods A and B; the main electronic settlement processing components 2310 and 2315 for the electronic settlement agency server are illustrated, and other components are not illustrated.

The main electronic settlement processing component 231
0 is the purchaser's device 1100 and the store server 1500
The processing of a range excluding the processing range of the electronic payment assisting processing program 1130 from the entire electronic payment processing range between them (most of the entire electronic payment processing range between the buyer's devices 1100 and 1200 and the store server 1500) is performed. Is set to do. The main electronic payment processing component 2315 also includes
The electronic payment processing component 2310 has the same configuration as the electronic payment processing component 2310 except that the payment method is different.

In addition, the electronic payment agent server 2300 enables the purchaser's device 1100 to download the electronic payment processing component 1120 in real time, if necessary, at the time of electronic payment. (Not shown). The electronic payment processing component may be provided independently in the electronic payment processing program 2305 or may be provided as being included in the main electronic payment processing component 2310. The same applies to the electronic payment processing component 1135.

Store server 1500, settlement institution server 1
600 and the IC card 1150 are configured in the same manner as in the specific example 1 described above.

<Operation of Specific Example 2> Next, the operation of the specific example 1 will be described. First, the purchaser uses the purchaser device 1
100 executes a product search and selection program 1105 on the store 100, and the store server 1500 connected to the communication network 1700 using the WWW (World Wide Web) or the like.
The user accesses the above product display and search program 1510 and refers to the product data 1505 on the screen of the CRT 1155 to select a purchased product. Then, the electronic wallet 1110 is activated in order to perform the settlement process for the product.
IC card 1150 is timely IC card reader / writer 1
145.

FIG. 5 shows a system at the time of settlement (mainly the purchaser's device 1100 and the electronic settlement agency server 230).
The operation after the activation of the electronic wallet 1110 will be described below with reference to FIG. Here, the store server 1500 employs the settlement method A. Therefore, the purchaser who has activated the electronic wallet 1110 has the electronic wallet 11 displayed on the CRT 1155.
The payment method A is selected on the payment method selection screen 10 to start the payment processing (step 200). As a result, the electronic settlement processing call stub 1125 in the electronic settlement processing component 1120 is called from the electronic settlement method management unit 1115 (step 205).

The called electronic settlement processing call stub 1
Reference numeral 125 denotes a payment processing request to the electronic payment processing program 2305 on the electronic payment acting server 2300 (step 2).
10). Electronic payment processing program 2305 that received the request
Calls the main electronic payment processing component 2310 using the electronic payment method management unit 2320 (step 21).
5).

Main electronic payment processing component 2310
Functions as a main part of the main payment processing, and proceeds with the payment processing while communicating with the electronic payment processing program 1515 on the store server 1500 (step 22).
0).

In this settlement processing, a dialog display or the like is displayed on the screen of the CRT 1155 of the purchaser's device 1100 in order to obtain the confirmation of the purchaser, and the name of the server at the store where communication is being performed and the account number required for the settlement are displayed. Or IC card 1
For example, the user inputs secret information different from the secret information 1830 in 150. Also, data input / output processing using the secret information 1830 in the IC card 1150, for example, using the secret information 1830, specifically, the IC using the purchaser's secret key.
Processing such as performing a digital signature on data input to the card 1150 and outputting the data is also performed.

Since these processes are performed by the buyer's device 1100, the main electronic payment processing component 2310 of the electronic payment acting server 2300 is
A processing request is made to the electronic payment auxiliary processing program 1130 of the 100 (step 230).

The electronic payment auxiliary processing program 1130 which has received the request executes the processing for obtaining the purchaser's confirmation on the purchaser's device 1100 side as described above and the IC card 11
A data input / output process (electronic payment assisting process) between the electronic payment process 50 and the electronic payment process 50 is performed (step 235).

The above steps 220 to 240 are repeated until all settlement processing is completed. When all the payment processing is completed, the processing is returned to the electronic payment processing call stub 1125 (step 245).

Note that the electronic settlement processing in the settlement method A is actually performed by the purchaser device 1100 of the settlement method A.
(Electronic payment agent server 2300) and dealer server 15
Store server 1500 of settlement system A as well as 00
And between the settlement institution server 1600 of the settlement method A. In FIG. 4, the electronic settlement with the store server 1500 of the settlement system A uses an electronic settlement processing program (settlement system A, electronic settlement processing program for settlement institution server) 1605 on the settlement institution server 1600 of the settlement system A. An example is shown. In this example, when the purchaser selects a product, the electronic payment processing program (settlement method A, electronic payment processing program for store server) 1515 on the store server 1500 of the payment method A causes the payment institution of the payment method A to be settled. A payment instruction is issued to the electronic payment processing program 1605 on the server 1600, and payment processing with the payment institution server 1600 is performed.

<Effects of Specific Example 2> (1) All electronic payment processing programs of various types of payment methods are mounted on the purchaser's device 1100, or the entire electronic payment processing program of the payment method used at the time of payment is used. Electronic payment processing of various types of payment methods can be performed simply by holding or downloading only the minimum required processing part (electronic payment processing component) without downloading.

(2) High-performance electronic payment agent server 230
By installing 0, high-speed electronic payment processing can be performed from all of the buyer devices 1100 and 1200 connected to the proxy server 2300. That is,
The purchaser devices 1100 and 1200 themselves do not require higher performance than the conventional system, and each purchaser device 110
High-speed electronic payment processing from 0,1200 becomes possible.

(3) An electronic payment processing program corresponding to the payment method of the store server 1500 is stored in the purchaser device 110.
0, 1200, the electronic payment processing program of the payment method supported by the store server 1500 is downloaded from another server, here the electronic payment acting server 2300, to the purchaser's devices 1100, 1200 at the time of payment. It is also conceivable to use this method. When this method is adopted in the system of the present invention, the corresponding electronic payment processing program (main electronic payment processing components 1310, 1310)
15) may be downloaded to the purchaser's apparatuses 1100 and 1200 instead of the entire part (parts corresponding to the electronic settlement processing components 1120 and 1135), and thus the communication load is not increased.

(4) The main electronic payment processing device of the system of the present invention is used as the electronic payment acting server 2300, independently of the purchaser's devices 1100 and 1200.
The electronic payment system can be configured and functioned without being restricted by other systems, such as the purchaser's business system 1000 of the first embodiment, since it is installed on the 700, and has more functions and higher functions than the first embodiment. There is also an advantage that processing can be performed.

In each of the specific examples 1 and 2, the electronic payment processing program of the store server 1500 includes only the payment method A (program 1515). However, the present invention is not limited thereto. Never.
It also has one or more other electronic payment processing programs for a store server of the payment method B, for example, and the payment method of any of the payment methods A and B arbitrarily selected with the buyer's devices 1100 and 1200. Electronic payment may be performed using an electronic payment processing program.

[Brief description of the drawings]

FIG. 1 is a configuration diagram showing a specific example 1 of the system of the present invention.

FIG. 2 is an internal configuration diagram of the IC card in FIG. 1;

FIG. 3 is a flowchart illustrating an operation of a specific example 1.

FIG. 4 is a configuration diagram showing a specific example 2 of the system of the present invention.

FIG. 5 is a flowchart illustrating an operation of a specific example 2;

[Explanation of symbols]

1000 Buyer's business system 1100, 1200 Buyer's device 1105 Product search and selection program 1110 Electronic wallet 1120 Payment method A, Electronic payment processing component for purchaser's device 1130 Electronic payment auxiliary processing program for payment method A 1135 Payment method B, Electronic payment processing component for buyer's device 1150 IC card 1300 Purchaser business system server (main electronic payment processing device) 1310 Payment method A, main electronic payment processing component for buyer's business system server (main electronic payment) Processing program) 1315 payment method B, main electronic payment processing component for purchaser's business system server (main electronic payment processing program) 1400 LAN 1500 dealer server (seller device) 1505 product data 1510 product display and inspection Program 1515 Settlement method A, electronic settlement processing program for store server 1600 Settlement institution server 1605 Settlement method A, electronic settlement processing program for settlement institution server 1700 Communication network 2300 Electronic settlement agency server (main electronic settlement processing device) 2310 Settlement Method A, main electronic payment processing component for electronic payment agent server (main electronic payment processing program) 2315 Payment method B, main electronic payment processing component for electronic payment agent server (main electronic payment processing program)

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 15/30 350A G07D 9/00 476 G07F 7/08 RF term (Reference) 3E040 AA04 BA18 CA14 CB04 DA03 3E044 AA20 BA04 BA05 CA03 CA06 DA05 DB02 DE01 DE02 EA01 EB04 5B049 AA05 BB11 CC05 CC10 CC39 DD01 DD04 EE05 EE23 FF03 FF04 FF08 GG04 GG07 GG10 5B055 BB10 CB00 CB09 CB10 EE02 EE03 EB17 05B

Claims (1)

[Claims] An electronic payment system for performing settlement of a product purchase between a purchaser device and a store device via a communication network, wherein at least the main electronic device functions between the purchaser device and the store device. An electronic payment assistance processing program in which a main electronic payment processing device having a payment processing program is provided, and the electronic payment processing program of the purchaser device is limited to a processing range that needs to be performed on the purchaser device. The remaining processing of the electronic settlement between the purchaser device and the store device is executed by a main electronic settlement processing program of the main electronic settlement processing device. Electronic payment system.