JP2000194780A - System and method for electronic commercial transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic commercial transaction system capable of executing a transfer after confirming a client receives a purchased article. SOLUTION: Concerning the electronic commercial transaction system in which a client terminal 1, shop terminal 5, client transaction bank 10 and shop transaction bank 20 are respectively connected through a communication line, the client selects any article in a shop and desired the purchase thereof and the price is paid by the transfer from the account of the client in the client transaction bank 10 to the account of the shop in the shop transaction bank 20, after it is confirmed in the client transaction bank 10 that the article is delivered by a transfer execution request sent from the shop terminal 5 and the client receives the article from transfer confirmation information added with the electronic signature of the client sent from the client terminal 1, the client transaction bank 10 executes the transfer as the price payment of the article.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce system and an electronic commerce method.

[0002]

2. Description of the Related Art One of the conventional payment methods for shopping on the Internet is a bank transfer method. In the bank transfer method, the price of the purchased product is transferred from the bank account of the customer bank 60 to the bank account of the store bank 70 by the procedure shown in FIG.

[0003] First, the customer terminal 51 to the store terminal 5
5, the purchase request is transmitted to the store terminal 55, the store terminal 55 transmits an authorization (payment ability confirmation) request to the customer bank 60, and the customer bank 60 confirms the securing of the customer's fund and checks the store terminal 55.
The store sends an authorization response to the store, and the store delivers the product to the customer and sends a capture (confirmation) request to the customer terminal bank 60 to the store terminal 55. The customer bank 60 sends the purchase amount of the product to the store in response to the capture request. After the transfer to the house bank 70, a capture response is returned to the store terminal 55.

[0004] In other words, at the time of authorization, only fund securing in the customer account of the customer bank 60 is performed, and actual fund transfer (transfer) is performed by the store terminal 55 sending a capture request after product delivery.

[0005]

However, in the case of the above-mentioned conventional bank transfer method, the transfer is executed according to the intention of the store after the store has delivered the product. There is a problem that the transfer is performed without confirming that the payment has been received.

Accordingly, the present invention has been made to solve the above problems, and provides an electronic commerce system and an electronic commerce method capable of executing a transfer after confirming that a customer has received a purchase. It is.

[0007]

According to the first aspect of the present invention,
The customer terminal, the store terminal, the customer bank, and the store bank are each connected via a communication line, and the customer selects a product at the store and wants to purchase the product, and transfers the price to the customer of the customer bank. In an e-commerce system that transfers money from an account to a store account at a store bank, the store terminal
Transfer information transmitting means for transmitting the transfer information approved by the customer and the store based on the purchase request of the customer to the customer's bank, an identifier capable of uniquely identifying the transfer information, and a part of the transfer information. A transfer confirmation information transmitting unit for transmitting the transfer confirmation information to the customer terminal; and a transfer execution request transmitting unit for transmitting a transfer execution request to the customer's bank for requesting execution of the transfer, wherein the customer terminal transmits the transfer confirmation information. Transfer confirmation information signing means for generating a customer electronic signature from the transfer confirmation information transmitted by the means, electronic signature generated by the transfer confirmation information signature means, and transfer confirmation information transmitted by the transfer confirmation information transmission means And a signature transfer confirmation information storage unit for transmitting the transfer confirmation information with a signature to the customer's bank. The house bank receives the transfer information storing means for storing the transfer information transmitted by the transfer information transmitting means, and receives the transfer execution request transmitted by the transfer execution request transmitting means, and stores the transfer information stored by the transfer information storing means. A transfer execution request receiving unit that retrieves the relevant transfer information, a signed transfer confirmation information receiving unit that receives the signed transfer confirmation information transmitted by the signed transfer confirmation information transmitting unit, and confirms the content of the electronic signature; The transfer information storage is performed on condition that both the confirmation of the receipt of the transfer execution request received by the transfer execution request receiving unit and the confirmation of the electronic signature in the signed transfer confirmation information received by the signed transfer confirmation information receiving unit are conditions. Means for purchasing from the customer's bank account to the store's bank account in accordance with the transfer information stored by the means. It is characterized in that a transfer execution means for executing the amount of transfer.

[0008] According to a second aspect of the present invention, there is provided an electronic commerce method.
The customer terminal, the store terminal, the customer bank, and the store bank are each connected via a communication line, and the customer selects a product at the store and wants to purchase the product, and transfers the price to the customer of the customer bank. In an e-commerce method performed by transfer from an account to a store bank account, a customer purchase request is transmitted from a customer terminal to a store terminal, and the store terminal approves a transfer process based on the customer's purchase request. Sends the transfer information to the customer's bank, the customer's bank sends reply information that confirms the validity of the transaction based on the transfer information from the store terminal to the store terminal, and the store terminal requests the transfer confirmation information to confirm the payment To the customer terminal, the customer terminal generates an electronic signature based on the transfer confirmation information received from the store terminal and stores it as signed transfer confirmation information, and the store terminal sends the product to the customer by the store. A transfer execution request based on the transfer is sent to the customer's bank, the customer terminal confirms the receipt of the product from the store, sends the signed transfer confirmation information to the customer's bank, and the customer's bank According to both the confirmation of the receipt of the transfer execution request and the confirmation of the electronic signature in the signed transfer confirmation information from the customer terminal, from the customer's bank account to the store's bank account according to the transfer information. The transfer of the purchase amount is performed.

The electronic commerce method according to the second aspect of the present invention using the configuration of the first aspect will be described in detail below.

As a means for the customer to pay for the merchandise purchased to the store, it is determined that the transfer is made from the customer account of the customer's bank to the store account of the store's bank, and both the customer and the store are paid. Is transferred to the customer bank by the transfer information transmitting means.

[0011] The customer's bank receives the transfer information sent from the store, confirms its contents, and stores it by the transfer information storage means.

In the store, the transfer confirmation information based on the details of the transfer, such as a transaction ID for uniquely identifying the transfer transaction and the amount of the transfer, from the transfer information confirmed by the customer's bank, is transmitted to the customer by the transfer confirmation information transmitting means. To notify the customer that the transaction has been completed.

[0013] The customer knows that the transaction has been completed based on the contents of the transfer confirmation information sent from the store,
A digital signature is generated by encrypting the hash value of the transfer confirmation information with the private key of the customer by the transfer confirmation information signing means.

Further, in the customer, the electronic signature generated by the transfer confirmation information signing means and the transfer confirmation information transmitted from the store are stored by the signed transfer confirmation information storage means.

[0015] In the store, the customer executes the actual transfer upon delivery of the product and expects payment to the account of the store of the store bank, so the customer requests the customer bank to execute the transfer after the product is delivered. Is transmitted to the customer's bank by a transfer execution request transmitting means.

In the customer bank, the transfer execution request transmitted from the store is received by the transfer execution request receiving means.

Since the customer expects that the actual transfer will be permitted upon receipt of the product, after confirming the receipt of the product, the transfer confirmation information with signature stored by the transfer confirmation information storage device with signature is stored. To the customer bank.

Further, in the customer bank, the signed transfer confirmation information transmitted by the customer is received by the signed transfer confirmation information receiving means.

The customer's bank retrieves the contents of the transfer information stored in the transfer information storing means in accordance with the transfer execution request received by the transfer execution request receiving means, and confirms the signed transfer confirmation received by the signed transfer confirmation information receiving means. The electronic signature of the customer of the information is confirmed, and the transfer from the customer's account to the store account of the store bank is executed based on the transfer information.

In this way, by executing the transfer after both the transfer execution request and the signed transfer confirmation information are completed, the store can deliver the product and confirm that the customer has received the product. It is possible to prevent the payment from being penalized by the transfer even though the user has not received the product.

[0021] In addition, the customer's electronic signature is added to the transfer confirmation information and sent to the customer's bank, so that it is possible to confirm that the received transfer confirmation information has been sent from the customer, and to forge the transfer confirmation information. Prevention and ensure customer safety.

According to a third aspect of the present invention, a customer terminal using a card, a store terminal, a customer bank, and a store bank are each connected via a communication line, and the customer selects a product at the store. In an e-commerce system in which a customer wishes to make a purchase and transfers the payment from the customer's bank account to the store's bank account,
Transfer information transmitting means for transmitting the transfer information approved by the customer and the store based on the purchase request of the customer to the customer's bank, an identifier capable of uniquely identifying the transfer information, and a part of the transfer information. A transfer confirmation information transmitting unit for transmitting the transfer confirmation information to the customer terminal; and a transfer execution request transmitting unit for transmitting a transfer execution request to the customer's bank for requesting execution of the transfer, wherein the customer terminal transmits the transfer confirmation information. Transfer confirmation information receiving means for receiving the transfer confirmation information transmitted by the means, and signed transfer confirmation information transmitting means for transmitting the signed transfer confirmation information stored in the card to the customer transaction bank, the card comprising: A transfer confirmation information signing means for generating a customer electronic signature based on the transfer confirmation information received by the transfer confirmation information receiving means; A signed transfer confirmation information storage unit for storing signed transfer confirmation information to which a digital signature is added, wherein the customer's bank is a transfer information storage unit for storing transfer information transmitted by the transfer information transmitting unit. ,
A transfer execution request receiving unit that receives a transfer execution request transmitted by the transfer execution request transmission unit and retrieves the corresponding transfer information stored by the transfer information accumulation unit, and a transfer execution request transmitted by the signed transfer confirmation information transmission unit Signed transfer confirmation information receiving means for receiving the signed transfer confirmation information and confirming the content of the electronic signature, confirming the receipt of the transfer execution request received by the transfer execution request receiving means, and receiving the signed transfer confirmation information Means for confirming the electronic signature in the signed transfer confirmation information received by the means, from the customer's bank account to the store's bank account according to the transfer information stored by the transfer information storage means. And a transfer executing means for executing a transfer of the purchase amount to the purchaser.

According to a fourth aspect of the present invention, a customer terminal using a card, a store terminal, a customer bank, and a store bank are respectively connected via communication lines, and the customer selects a product at the store. In the e-commerce method in which the customer wishes to make a purchase and transfers the payment from the customer's bank account to the store bank account, the customer terminal sends a purchase request to the store terminal, Sends the transfer information that has approved the details of the transfer process based on the customer's purchase request to the customer bank, and the customer bank sends to the store terminal reply information that confirms the validity of the transaction based on the transfer information from the store terminal. The store terminal sends the payment confirmation information requesting payment confirmation to the customer terminal, the customer terminal receives from the store terminal, and the card takes in the transfer confirmation information from the customer terminal and digitally signs it. The store terminal generates and stores it as signed transfer confirmation information, the store terminal sends a transfer execution request based on the delivery of the product by the store to the customer to the customer bank, and the customer terminal confirms the receipt of the product from the store. The customer's bank reads the signed transfer confirmation information saved on the card and sends it to the customer's bank.The customer's bank confirms the receipt of the transfer execution request from the store terminal and checks the electronic signature in the signed transfer confirmation information from the customer's terminal. Subject to both confirmations, the transfer of the purchase amount from the customer's account of the customer's bank to the store's account of the store's bank is executed in accordance with the transfer information.

A fourth aspect of the present invention uses the configuration of the third aspect of the present invention.
The electronic commerce method according to the described invention will be described below.

In this electronic commerce method, claim 2
Based on the same procedure as in the case of the electronic commerce method according to the invention described above, the process from the purchase request of the product to the transfer of the purchase amount to the store account of the store bank is performed.

Thus, as in the case of the second aspect of the invention, the store bank executes the actual transfer after both the transfer execution request and the signed transfer confirmation information are completed,
The store delivers the product, and it is possible to confirm that the customer has received the product, and it is possible to prevent the payment from being penalized by the transfer even though the customer has not received the product.

Further, by generating the electronic signature in the card, it is possible to make it difficult for the customer's private key to be read from the external device, and to prevent leakage of the customer's private key.

Further, since the signed transfer confirmation information can be stored in the card, the transmission of the signed transfer confirmation information can be performed from any of the customer terminals installed at a plurality of locations.

[0029]

Embodiments of the present invention will be described below in detail.

(Embodiment 1) FIG. 1 shows the configuration of an electronic commerce system of Embodiment 1.

This electronic commerce system has a customer terminal 1, a store terminal 5, and a customer transaction bank 10 connected to each other via a communication line. This is to make an accompanying transfer.

The store terminal 5 includes a transfer information transmitting means 6 for transmitting the transfer information approved by both the customer and the store for the contents of the transfer processing to the customer bank 10, an identifier capable of uniquely identifying the transfer information, Transfer confirmation information transmitting means 7 for transmitting the transfer confirmation information composed of a part of the above to the customer terminal 1, and transfer execution request transmitting means 8 for transmitting a transfer execution request for requesting the customer bank 10 to execute the transfer to the customer bank 10. Is provided.

The customer terminal 1 includes a transfer confirmation information signature unit 2 that generates a customer's electronic signature from the transfer confirmation information transmitted by the transfer confirmation information transmission unit 7, and an electronic signature generated by the transfer confirmation information signature unit 2. Signed transfer confirmation information storage means 3 for storing the signature and the transfer confirmation information transmitted by the transfer confirmation information transmitting means 7, and transmission of the signed transfer confirmation information for transmitting the signed transfer confirmation information to the customer bank 10. Means 4.

The customer bank 10 stores the transfer information transmitted by the transfer information transmitting means 6 in the customer bank 10, and the transfer execution request transmitted by the transfer request transmitting means 8. And a transfer execution request receiving unit 12 for retrieving the transfer information stored by the transfer information storage unit 11 and a signed transfer confirmation information transmitted by the signed transfer confirmation information transmitting unit 4. Signed transfer confirmation information receiving means 13 for confirming the contents of the signature, receipt of the transfer execution request by the transfer execution request receiving means 12, and receipt of the signed transfer confirmation information by the signed transfer confirmation information receiving means 13 The electronic signature is stored by the transfer information storage unit 11 on condition that both of the electronic signatures are confirmed. In accordance with those of the transfer information customer bank 1
And a transfer executing means 14 for transferring the purchase amount from the account of the customer No. 0 to the store account of the store bank.

Next, an electronic commerce method using the above-described electronic commerce system will be described with reference to FIGS.

FIG. 2 is an explanatory view showing a bank transfer procedure by the online bank transfer system according to the first embodiment, and FIG. 3 is a flowchart showing a bank transfer procedure by the online bank transfer system according to the first embodiment. It is.

When a customer performs shopping at a store on the Internet, order information indicating the contents of an order to the store,
A purchase request (purchase request message) including payment instruction information for instructing the customer bank 10 to make a transfer is transmitted to the store terminal 5 (step S1).

The store terminal 5 transmits payment approval request information including the payment instruction information and the information of the store bank to be created at the store to the customer bank 10 (step S2).

The customer bank 10 confirms the validity of the transaction based on the payment instruction information and the payment approval request information, and transmits reply information to the store terminal 5 (step S3).

The store terminal 5 confirms the reply data from the customer bank 10 and transmits a purchase request response to the purchase request to the customer terminal 1 (step S4).

The customer terminal 1 receives the purchase request response,
The customer terminal 1 stores data (transaction ID) for uniquely identifying a transaction, transfer confirmation information including a transaction amount, and a signed transfer confirmation information with an electronic signature generated by encrypting a hash value based on the transfer execution information with a customer's private key. (Step S
5).

Next, the store terminal 5 sends a transfer execution request to the customer bank 10 for delivering the product and actually transferring the funds (step S6).

The customer bank 10 receives the transfer execution request (step S7).

When the customer receives the product, the customer sends the signed transfer confirmation information stored in the customer terminal 1 to the customer bank 10 (step S8).

The customer bank 10 receives the signed transfer confirmation information sent from the customer terminal 1, confirms the electronic signature based on the received transfer confirmation information, and confirms that the customer has approved the transfer. , Search the contents of the transaction already received from the transaction ID to confirm that the transaction amount is correct,
A transfer process of the transaction amount to the store bank 20 is executed, and a transfer execution result is transmitted to the store terminal 5 (step S10).

The store terminal 5 receives the transfer execution result from the customer bank 10. Thereby, the store can recognize the payment of the commodity price (step S11).

As shown in the first embodiment, in the customer transaction bank 10, the goods are delivered in accordance with the transfer execution request sent from the store terminal 5, and the transfer confirmation information with the customer's electronic signature sent from the customer is used. After confirming that the customer has received the goods and approved the transfer, the transfer of payment for the goods will be performed, so there is no confirmation that the customer has received the purchase. The price of the product is not withdrawn from the customer's account of the customer transaction bank 10, and the customer's safety can be ensured.

(Embodiment 2) FIG. 4 shows the configuration of an electronic commerce system according to Embodiment 2.

This electronic commerce system has a customer terminal 1 A using a card (IC card) 30 connected via a communication line, a store terminal 5, and a customer transaction bank 10. In the same manner as in the first embodiment, a transfer is made to the store bank 20 in accordance with electronic commerce.

Since the configuration of the store terminal 5 and the customer bank 10 is the same as that of the first embodiment, the same elements are denoted by the same reference numerals, and detailed description thereof will be omitted. The customer terminal 1A will be described.

The customer terminal 1A receives the transfer confirmation information transmitted from the store terminal 5, and receives the transfer confirmation information receiving means 9 for transmitting to the IC card 30; And a signature transfer confirmation information transmitting means 4 for transmitting to the bank 10.

The IC card 30 includes a transfer confirmation information signing unit 2 for generating an electronic signature based on the transfer confirmation information from the transfer confirmation information receiving unit 9, and a transfer confirmation information with a signature including the transfer confirmation information and the electronic signature of the transfer confirmation information. And a signature transfer confirmation information storage means 3 for storing the information.

In the electronic commerce method according to the configuration of the electronic commerce system according to the second embodiment, a series of processes from the customer's purchase request to the execution of the transfer are executed in the same procedure as in the first embodiment. In addition to the same effect as in the case of the first embodiment, the generation of the electronic signature of the transfer confirmation information is performed by the IC card 30, so that the leakage of the private key of the customer is prevented, and the transfer confirmation information with the signature is transferred to the IC card 30. The transmission of the signed transfer confirmation information is not limited to the customer terminal 1A located at the place where the product was purchased, but is also executed by the customer terminal 1A located at another place. Can be.

[0054]

According to the present invention, it is possible to prevent the payment from being forfeited by executing the transfer even though the customer has not received the goods, and also to prevent the forgery of the transfer confirmation information, thereby preventing the customer's safety. It is possible to provide an electronic commerce system and an electronic commerce method that can ensure the property.

According to the present invention, in addition to the effects of the above-described invention, the leakage of the private key of the customer is prevented, and the transmission location of the signed transfer confirmation information is not fixed. An electronic commerce system and an electronic commerce method that perform can be provided.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration of an electronic commerce system according to a first embodiment of the present invention.

FIG. 2 is a procedure explanatory diagram showing an electronic commerce method according to the first embodiment of the present invention.

FIG. 3 is a flowchart illustrating an electronic commerce method according to the first embodiment of the present invention.

FIG. 4 is a block diagram showing a configuration of an electronic commerce system according to Embodiment 2 of the present invention.

FIG. 5 is a procedure explanatory diagram showing an electronic commerce method by a conventional electronic commerce system.

[Explanation of symbols]

 REFERENCE SIGNS LIST 1 customer terminal 1A customer terminal 2 transfer confirmation information signing means 3 signed transfer confirmation information storage means 4 signed transfer confirmation information transmission means 5 store terminal 6 transfer information transmission means 7 transfer confirmation information transmission means 8 transfer execution request transmission means 9 transfer Confirmation information receiving means 10 Customer bank 11 Transfer information storage means 12 Transfer execution request receiving means 13 Transfer confirmation information receiving means with signature 14 Transfer execution means 20 Store transaction bank 30 IC card

Claims (4)

[Claims] Claims: 1. A customer terminal, a store terminal, a customer bank, and a store bank are connected via a communication line, respectively, and a customer selects a product at a store, desires to purchase the product, and pays the price to the customer. In an e-commerce system in which a bank account is transferred from a customer account to a store bank account, the store terminal uses the transfer information that has been approved by both the customer and the store for the transfer process based on the customer's purchase request. A transfer information transmitting means for transmitting to the customer's bank, an identifier for uniquely identifying the transfer information, and a transfer confirmation information transmitting means for transmitting transfer confirmation information comprising a part of the transfer information to the customer terminal; and requesting execution of the transfer A transfer execution request transmitting means for transmitting a transfer execution request to the customer's bank, wherein the customer terminal obtains an electronic signature of the customer from the transfer confirmation information transmitted by the transfer confirmation information transmitting means. Transfer confirmation information signing means for generating, a digital signature generated by the transfer confirmation information signing means, and transfer confirmation information storage means with signature for storing the transfer confirmation information transmitted by the transfer confirmation information transmitting means; A signed transfer confirmation information transmitting means for transmitting the transferred transfer confirmation information to the customer transaction bank, wherein the customer transaction bank stores the transfer information transmitted by the transfer information transmission means, and the transfer execution A transfer execution request receiving unit that receives the transfer execution request transmitted by the request transmission unit and retrieves the corresponding transfer information stored by the transfer information storage unit; and a signature execution request transmitted by the signed transfer confirmation information transmission unit. The transfer confirmation information receiving means for receiving the transfer confirmation information and confirming the content of the electronic signature, and the transfer execution request receiving means, The transfer stored by the transfer information storage unit is conditioned on both the confirmation of the receipt of the received transfer execution request and the confirmation of the electronic signature in the signed transfer confirmation information received by the signed transfer confirmation information receiving unit. Transfer execution means for transferring a purchase amount from a customer account of a customer bank to a store account of a store bank in accordance with the information. 2. A customer terminal, a store terminal, a customer bank, and a store bank are connected to each other via a communication line, and the customer selects a product at the store and wants to purchase the product, and pays the price to the customer. In the e-commerce method of transferring money from a customer account at a house bank to a store account at a house bank, a customer purchase request is sent from the customer terminal to the store terminal, and the store terminal performs a transfer process based on the customer's purchase request. The customer's bank sends the transfer information that approved the details of the transaction to the customer's bank, the customer's bank sends reply information that confirms the validity of the transaction based on the transfer information from the store terminal to the store terminal, and the store terminal confirms the payment Is sent to the customer terminal, and the customer terminal generates an electronic signature based on the transfer confirmation information received from the store terminal and saves it as signed transfer confirmation information. The customer terminal confirms the receipt of the product from the store, sends the signed transfer confirmation information to the customer bank, and sends the transfer request to the customer bank based on the delivery of the product to the customer. In accordance with the transfer information, confirmation of the receipt of the transfer execution request from the store terminal and confirmation of the electronic signature in the signed transfer confirmation information from the customer terminal are performed in accordance with the transfer information. Performing a transfer of the purchase amount to an account of a bank store, an electronic commerce method. 3. A customer terminal using a card, a store terminal, a customer bank, and a store bank are connected via communication lines, respectively, and the customer selects a product at the store and desires to purchase, In an e-commerce system in which the payment is made from the customer's bank account to the store's bank account, the store terminal approves the transfer process based on the customer's purchase request at both the customer and the store. Transfer information transmitting means for transmitting the transferred transfer information to the customer's bank, an identifier capable of uniquely identifying the transfer information, transfer check information transmitting means for transmitting transfer check information comprising a part of the transfer information to the customer terminal, Transfer execution request transmission means for transmitting a transfer execution request for execution to the customer bank, wherein the customer terminal transmits the transfer confirmation information transmitted by the transfer confirmation information transmission means. And a transfer check information receiving means for trust,
A signed transfer confirmation information transmitting unit for transmitting the signed transfer confirmation information stored in the card to a customer transaction bank, wherein the card is based on the transfer confirmation information received by the transfer confirmation information receiving unit. Transfer confirmation information signing means for generating an electronic signature of the customer, and signed transfer confirmation information storage means for storing the signed transfer confirmation information added with the electronic signature generated by the transfer confirmation information signing means. A transfer information storage unit for storing the transfer information transmitted by the transfer information transmitting unit, a transfer execution request transmitted by the transfer execution request transmitting unit, and a corresponding transfer stored by the transfer information storage unit Receiving a transfer execution request receiving means for extracting information, and receiving the signed transfer confirmation information transmitted by the signed transfer confirmation information transmitting means; Transfer confirmation information receiving means for confirming the content of the transfer execution request received by the transfer execution request receiving means, and a digital signature in the transfer confirmation information with signature received by the transfer confirmation information receiving means. Transfer execution means for executing the transfer of the purchase amount from the customer's bank account to the store's bank account in accordance with the transfer information stored by the transfer information storage means, on condition that both of the checks are performed. An e-commerce system, comprising: 4. A customer terminal using a card, a store terminal, a customer bank, and a store bank are each connected via a communication line, and the customer selects a product at the store and desires to purchase, In the e-commerce method, in which the payment is made by transfer from the customer account of the customer bank to the store account of the store bank, a purchase request is sent from the customer terminal to the store terminal. The transfer information that has approved the details of the transfer process based on is sent to the customer's bank, and the customer's bank sends reply information that confirms the validity of the transaction based on the transfer information from the store terminal to the store terminal. , Sending the transfer confirmation information requesting payment confirmation to the customer terminal, the customer terminal receiving from the store terminal, the card taking in the transfer confirmation information from the customer terminal, generating an electronic signature, and applying for a signed payment. The store terminal sends a transfer request to the customer's bank based on the delivery of the product to the customer by the store, and the customer terminal confirms the receipt of the product from the store and saves it on the card Reads the signed transfer confirmation information and sends it to the customer's bank.The customer's bank checks both the receipt of the transfer execution request from the store terminal and the electronic signature in the signed transfer confirmation information from the customer terminal. And performing the transfer of the purchase amount from the customer account of the customer bank to the store account of the store bank in accordance with the transfer information.