JP2000322484A - Method and device for electronic commercial transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To enable a user to safely and easily perform a commercial transaction through a communication network such a the Internet. SOLUTION: Concerning this electronic commercial transaction method, an ordering/order receiving server 4 for ordering while referring to a provided service is disposed on a communication network 7 connecting a computer 2 of the user and a computer 3 of a service provider, and an authentication server 5 for authenticating a credit card by previously registering the credit card information of the user is connected to the ordering/order receiving server 4. The user refers to the service with the ordering/order receiving server 4 and performs ordering to the ordering/order receiving server 4 and the ordering/ order receiving server 4 authenticates the credit card with the authentication server 5. Further, after ordering of the service by the user is confirmed, the ordering/order receiving server 4 orders the service through the communication network 7 to the service provider and transmits the credit card information through a facsimile(FAX) 9.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic commerce method and an electronic commerce device for conducting business transactions using a communication network such as the Internet.

[0002]

2. Description of the Related Art In recent years, with the remarkable spread of terminals such as computers and TVs that can be connected to the Internet, various attempts have been made to conduct electronic transactions of goods and services using the Internet.

FIG. 4 shows a configuration diagram of a conventional electronic commerce device using the Internet. As shown in FIG. 4, a computer 10 on the user side is
2 is connected to the computer 103 on the service provider side, and the user browses the products and services disclosed on the computer 103 from the computer 102 via the Internet 101, and shopping if he / she wants to purchase. An order can be made using the service, and a product or the like can be purchased.

[0004] As a method of settlement of a product purchase price, there are a method of making a transfer based on a separately sent bill, a method of making a small lot settlement using electronic money, a method of making a credit settlement using a credit card number, and the like. This is performed via the settlement institution 104.

[0005]

In the method of performing a transfer based on a separately sent bill, it takes time and effort to go to a financial institution to perform the transfer, so that sufficient convenience for the user cannot be obtained. There is a problem. In the small-lot payment method using electronic money, there is an upper limit on the amount that can be settled, and the method cannot be used for purchasing expensive products, and thus cannot be used as a general-purpose payment method.

[0006] On the other hand, the credit settlement method using a credit card number is the easiest to use, but information such as a credit card number flows on the Internet, and information such as a credit card number is transmitted to others. There is a problem that it may be known and abused, and sufficient security cannot be ensured.

Accordingly, the present invention provides an electronic commerce method and an electronic commerce device that allow a user to perform a commercial transaction safely and easily via a communication network such as the Internet.

[0008]

SUMMARY OF THE INVENTION An electronic commerce method according to the present invention is an electronic commerce method for performing settlement of a commercial transaction performed between a user and a service provider using a communication network via a credit card company. In addition, a business transaction database institution for browsing and ordering the service provided by the service provider is interposed between the communication network connecting the user and the service provider, and the credit card information of the user is registered in advance. A credit bureau that performs credit card authentication is connected to a commercial transaction database institution, and the user browses the service by the commercial transaction database institution and places an order with the commercial transaction database institution,
The commercial transaction database institution requests the user for credit card authentication to the certification institution, and the certification institution submits the user's credit card authentication to the commercial transaction database institution. The service order is sent to the service provider and the credit card information is transmitted.

The user simply browses the commercial transaction database institution, selects a desired service, places an order, and responds to the confirmation of the order from the commercial transaction database institution.
It becomes possible to receive the provision of the service from the service provider, and the settlement is completed by paying the bill from the credit card company. The service provider receives the order and the credit card information via the commercial transaction database institution, and simply provides the service and bills the credit card company, and the credit card company pays for the bill. In other words, the user or service provider performs an order confirmation to the user only by performing a transaction method substantially similar to the conventional one, and the credit card information of the user is confirmed by the commercial transaction database organization on behalf of the user. Is transmitted to the service provider, so that the credit card information is not illegally used, and the business transaction can be performed safely and easily.

Here, the communication network connecting the user and the service provider can be an open network such as the Internet or a closed network constructed by a dedicated line or the like. If the communication network connecting the user and the service provider is an open network such as the Internet, it is desirable that the transmission of the credit card information is performed by another communication means different from this communication network. By performing credit card authentication using a closed communication network different from an open network such as the Internet or a communication means such as telephone or facsimile, the ordering route and the authentication route are completely separated, and a more secure business transaction is performed. It becomes possible.

[0011] Further, it is desirable that the confirmation of the order to the user by the commercial transaction database organization is performed by an electronic sentence using a communication network. The commercial transaction database organization receives the order from the user, issues an electronic confirmation message to the ordering user using the communication network, and the user confirms the order by returning the electronic message to the commercial database organization. For example, the order can be confirmed easily and reliably without bothering the user.

The electronic commerce method as described above is an electronic commerce device for performing settlement of a commercial transaction performed between a user and a service provider using a communication network via a credit card company, and includes a service providing service. A certifying organization that provides a commercial transaction database between the user and the service provider to allow the user to browse and order the services provided by the user, and to register the credit card information of the user in advance and authenticate the credit card Can be efficiently performed by an electronic commerce device connected to a commercial transaction database organization.

Here, it is desirable that the communication means for transmitting the credit card information be provided separately from the communication network connecting the user and the service provider. By performing credit card authentication using a closed communication network different from the communication network connecting the user and the service provider, and communication means such as telephone and facsimile, the ordering route and the authentication route are completely separated from each other. It is possible to conduct secure business transactions.

[0014]

FIG. 1 is a block diagram of an electronic commerce apparatus according to an embodiment of the present invention. As shown in FIG.
The electronic commerce device according to the present embodiment performs commerce using a communication network 7 that connects a user's computer 2 and a service provider's computer 3 via the Internet 1, and is connected to the Internet 1. A computer 2 of a user, a computer 3 of a service provider connected to the Internet 1 for receiving an order for a service to be provided, an order server 4 as a commercial transaction database institution connected to the Internet 1, and an order server 4 It comprises an authentication server 5 as a connected authentication institution and a credit card company 6 as a settlement institution.

The order receiving server 4 is interposed between a communication network 7 connecting the user's computer 2 and the service provider's computer 3 via the Internet 1 and has a service provided in advance by the service provider. Are registered. The user accesses the ordering server 4 using the computer 2, searches or browses the services provided by the service provider by type or the like, and can order a desired service from the services. When the user places an order for a service that the user desires to purchase from the computer 2 to the ordering server 4, the ordering server 4 receives the order and makes a request for the user's credit card authentication to the authentication server 5.

The authentication server 5 is connected to the ordering server 4, and credit card information such as a user name, a credit card number, and an expiration date of the credit card is registered in advance. Upon receiving the request for the credit card authentication from the order server 4, the authentication server 5 inquires the user's credit card information and performs the credit card authentication on the order server 4.

As shown in FIG. 1, the order server 4 and the authentication server 5 are connected via a dedicated line 8 as separate devices, and the credit card authentication performed between the order server 4 and the authentication server 5 is performed. Is performed through the Internet 1 in a procedure different from the order of the user, thereby making it possible to prevent the credit card information from being used illegally. Alternatively, the ordering server 4 and the authentication server 5
It is also preferable to adopt a configuration in which it is taken in one device.

When the credit card authentication from the authentication server 5 is performed, the order receiving server 4 confirms the service order to the user, and then orders the service provider's computer 3 for the service order and credit card information. Is transmitted.

Confirmation of a service order from the ordering server 4 to the user is performed by sending an electronic sentence (e-mail) from the ordering server 4 to the user's computer 2 via the Internet 1. Will be The user approves the service order by returning the electronic sentence sent from the ordering server 4 to the computer 2 to the ordering server 4.

The ordering of the service from the ordering server 4 to the service provider's computer 3, which is performed upon approval of the order of the user, is performed via the Internet 1. On the other hand, the transmission of the credit card information is performed using a facsimile (FAX) 9 as communication means different from the communication network 7 via the Internet 1. As a result, the ordering route and the authentication route are completely separated from each other, and more secure commercial transactions can be performed.

Next, an electronic commerce method according to this embodiment will be described with reference to FIGS. FIG. 2 is a block diagram showing processing by the electronic commerce device shown in FIG. 1,
FIG. 3 is a flowchart showing the operation of each institution and the like constituting the electronic commerce apparatus shown in FIG.

First, the user accesses the order server 4 using the computer 2 (step 21). The order server 4 downloads a list of services provided by the service provider registered in advance to the computer 2 (step 41). The user browses the service list downloaded to the computer 2 (step 22), selects a desired service, and places an order with the ordering server 4 (step 23). At the time of ordering, the user transmits together with a member number and a password which have been negotiated in advance by a contract such as connection with the ordering server 4.

Upon receiving the order from the computer 2 of the user, the order receiving server 4 requests the authentication server 5 for the user's credit card authentication (step 4).
2). The authentication server 5 inquires the credit card information of the user registered in advance, and performs the credit card authentication on the order server 4 (step 51).

When the credit card authentication is obtained from the authentication server 5, the order receiving server 4 confirms the order to the user (step 43). This order is confirmed by transmitting an electronic sentence from the order receiving server 4 to the user's computer 2 via the Internet 1 and returning the transmitted electronic sentence to the order receiving server 4 as described above. The order is approved (step 24). After confirming the service order to the user in this way, the order receiving server 4 orders the service to the service provider's computer 3 and transmits the credit card information using the FAX 9 (step 44). At this time, it is desirable that the order of the service is performed using an encrypted electronic sentence.

The service provider receives an order for the service ordered from the computer 3 (step 31) and provides the service to the user (step 32), and the user receives the service provided by the service provider (step 31). Step 2
5). Further, the service provider uses the credit card information transmitted from the ordering server 4 to make a request for sales to the user who provided the service to the credit card company 6.
(Step 33). The credit card company 6 pays the sales price to the service provider in response to the request (step 61), and the service provider receives the payment (step 34).

The credit card company 6 bills the user for a credit card usage fee paid to the service provider (step 62), and the user pays the credit card company 6 for this bill (step 26).
Credit card company 6 receives this (step 6).
3) Payment is settled between the credit card company and the user (step 64).

According to such an electronic commerce method, the user simply browses the ordering server 4, selects a desired service, places an order, and responds to the confirmation of the order from the ordering server 4. , The service provider can provide the service, and the settlement is completed by paying the bill from the credit card company 6. The service provider simply receives the order and the credit card information via the order server 4 and provides the service and bills the credit card company 6. The credit card company 6 pays for the bill. Done. That is, the user or the service provider confirms the order by the ordering server 4 only by performing a transaction method substantially similar to the conventional one, and the user's credit is performed by the ordering server 4 on behalf of the user. Since the card information is transmitted to the service provider, the credit card information is not illegally used, and the transaction can be performed safely and easily.

[0028]

According to the present invention, the following effects can be obtained.

(1) The user browses the service by the commercial transaction database organization and places an order, and the commercial transaction database organization requests the user for a credit card authentication to the authentication organization, and the authentication organization performs the user's credit card authentication. Perform to the previous transaction database organization, the commercial transaction database organization confirms the order of the service to the user, then order the service and send the credit card information to the service provider, and the service provider uses the ordered service By providing the credit card company with the credit card company and billing the credit card company to settle the bill between the credit card company and the user. Only by
The order is confirmed to the user by the commercial transaction database organization, and the credit card information of the user is transmitted to the service provider by the commercial transaction database organization on behalf of the user, so that the credit card information is not used illegally. You can conduct business transactions safely and easily.

(2) Since the transmission of the credit card information is performed by a communication means different from the communication network, the ordering route and the authentication route are completely separated,
More secure business transactions can be performed.

(3) Since the order confirmation to the user by the commercial transaction database organization is performed by the electronic text using the communication network, the user returns the electronic text transmitted from the commercial transaction database organization to the commercial transaction database organization as it is. It is possible to confirm the order easily and reliably without bothering the user.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an electronic commerce device according to an embodiment of the present invention.

FIG. 2 is a block diagram showing processing by the electronic commerce device shown in FIG.

FIG. 3 is a flowchart illustrating an operation of each institution and the like constituting the electronic commerce device shown in FIG. 1;

FIG. 4 is a configuration diagram of a conventional electronic commerce device using the Internet.

[Explanation of symbols]

 1 Internet 2, 3 Computer 4 Ordering server 5 Authentication server 6 Credit card company 7 Communication network 8 Private line 9 FAX

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 5B049 AA05 BB11 BB46 CC05 CC39 EE05 FF02 FF03 FF04 GG04 GG07 GG10 5B089 GA11 HA10 JA08 JB22 KA13 KA17 KB13 KC58

Claims (5)

[Claims] 1. An electronic commerce method for performing settlement of a business transaction performed between a user and a service provider using a communication network via a credit card company, wherein a service provided by the service provider is provided by the service provider. A certifying organization that interposes a commercial transaction database institution for browsing and ordering the user between the communication network connecting the user and the service provider, and further registers the credit card information of the user in advance and performs credit card authentication. Is connected to the commercial transaction database institution, the user browses the service by the commercial transaction database institution and places an order with the commercial transaction database institution, and the commercial transaction database institution authenticates the user's request for credit card authentication. To the certification body, and the certification body A credit card authentication to the commercial transaction database institution, the commercial transaction database institution confirms the order of the service to the user, and then orders the service and transmits the credit card information to the service provider. Characterized e-commerce method. 2. The electronic commerce method according to claim 1, wherein the transmission of the credit card information is performed by communication means different from the communication network. 3. The electronic commerce method according to claim 1, wherein the order confirmation to the user by the commercial transaction database organization is performed by an electronic sentence using the communication network. 4. An electronic commerce device for performing settlement of a commercial transaction between a user and a service provider using a communication network via a credit card company, wherein the service provided by the service provider is provided. A transaction database institution is provided between the user and the service provider to allow the user to view and place an order for the user. An electronic commerce device connected to a database organization. 5. The electronic commerce device according to claim 4, further comprising communication means for transmitting said credit card information separately from said communication network.