JP2001022845A - Electronic transaction system, settling processing method therefor, electronic shop and terminal to be used for the same - Google Patents

Abstract

PROBLEM TO BE SOLVED: To attain the reduction of the communication time, communication cost and communication traffic by reducing the amount of data from the shop side through a network to the terminal side in an electronic transaction system. SOLUTION: In the electronic transaction system provided with a terminal 110 and an electronic shop 150 connected by a network 700, the terminal 110 has an input means 113 for selecting an article or settlement information on the side of shop and a terminal side control means 114 for outputting information (settlement application owned by an IC card 100 read by an IC card R/W 112 (such as list of 'credit B' or the like)) of a terminal side settling means on the basis of an article select signal. The electronic shop 150 has a shop side control means 152 for receiving the information of the terminal side settling means, selecting any one of settling means 160-165 matched to this information and outputting settlement information required for the settlement related to that selected settling means to the side of terminal.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic transaction system, a settlement processing method therefor, and an electronic store and a terminal used for the same. More particularly, the present invention relates to an electronic transaction system using a network, a settlement processing method for the same, and an electronic store used therefor. It is suitable for a terminal.

[0002]

2. Description of the Related Art A conventional electronic transaction system includes a terminal connected to a network and an electronic store. The terminal includes display means for displaying merchandise information and settlement means information, selection of merchandise, and store side. Input means for selecting a payment means of payment information received from the terminal, and terminal-side control means for instructing transmission of information of the payment means on the store side based on an input signal for selecting a product of the input means. The electronic store includes a store-side control unit that receives a signal instructing transmission of the store-side payment information output by the terminal-side control unit and outputs payment information related to all of the store-side payment units to the terminal side. Have been devised.

In this electronic transaction system, when a user selects a desired product by input means while viewing the display contents displayed on the display means of the terminal, the terminal-side control means transmits the store-side settlement information. The instruction signal is output to the store side, and the signal for instructing the transmission of the settlement information of the store side is received at the store side via the Internet, and the store side control means controls all the settlement means corresponding to the store side. The payment information is output to the terminal side, transmitted to the terminal side via the Internet, and the names of all the payment means are displayed on the display means. Select the desired payment method.

[0004] Incidentally, there is one related to this, for example, one disclosed in Japanese Patent Application Laid-Open No. Hei 10-27196.

[0005]

However, in such a conventional electronic transaction system, when a product is selected and a payment means is selected, information on all payment means on the store side is transmitted via a network. Since it is necessary to select from all the payment means transmitted, the amount of data from the store side to the terminal side via the network increases, thereby increasing the communication time and communication cost for payment, and In addition to causing congestion in network communication traffic, it is very troublesome for the user to select a desired payment method that can be settled on the terminal side from all the payment methods supported by the store.

According to the present invention, the amount of data from the store to the terminal via the network can be reduced, thereby reducing the communication time and communication cost for settlement and the communication traffic on the network. In addition, an object of the present invention is to provide a user-friendly electronic transaction system, a payment processing method thereof, and an electronic store and a terminal used for the electronic transaction system, in which the terminal can perform payment and can easily select a desired payment method.

[0007]

A first feature of the present invention for achieving the above object is to provide a terminal connected to a network and an electronic store, wherein the terminal is used for selecting a product and for controlling the store. An input unit for selecting a payment unit of payment information to be received, and the terminal-side control unit for outputting corresponding information on the terminal side to the store based on an input signal for selecting the product from the input unit. The electronic store receives the information on the settlement means output by the terminal-side control means, and selects an electronic store that matches the settlement means received from the terminal side from a plurality of corresponding settlement means on the store side In addition, the present invention has a configuration in which a store-side control means for outputting payment information necessary for the payment relating to the selected payment means to the terminal side is provided.

Preferably, the information of the settlement means output from the terminal-side control means to the store is a settlement means list, and the settlement information required at the time of settlement to be output from the store to the terminal is a necessary information at the time of settlement. It is configured to include the name of the settlement means, the protocol, and the amount information.

A second feature of the present invention is that the terminal includes a terminal connected to the network and an electronic store, the terminal comprising: a reading unit for reading information of a payment application held by an IC card; Input means for selecting a payment means of payment information received from the side, and information of the payment application read by the reading means based on a signal from the input means for selecting the product of the input means is output to the store side. Terminal-side control means,
The electronic store receives the information of the payment unit output by the terminal-side control unit, selects a payment unit that matches the payment unit received from the terminal side, from a plurality of corresponding payment units on the store side, The present invention is configured to include a store-side control unit that outputs payment information related to the selected payment unit to the terminal.

A third feature of the present invention is that the terminal comprises a terminal connected to the network and an electronic store, the terminal comprising: display means for displaying merchandise information and settlement means information; selection of merchandise; Input means for selecting a payment means of payment information to be received, and corresponding information on the terminal side being output to the store side based on an input signal for selecting the product from the input means, and selection from the store side The terminal-side control means for narrowing down the settlement information of the settlement means provided and outputting to the display device, the electronic store receives the information of the settlement means output by the terminal-side control means, A configuration having a store-side control means for selecting, from among a plurality of corresponding payment means, a payment means that matches the payment means received from the terminal side, and outputting payment information relating to the selected payment means to the terminal side. Lies in the fact was.

A fourth feature of the present invention is that the terminal includes a terminal connected to a network and an electronic store, the terminal comprising: a reading unit for reading payment application information held by an IC card; and a payment application built in the terminal. Input means for selecting a product, and selecting a payment means for payment information received from the store, and information of a payment application read by the reading means based on an input signal for selecting the product from the input means. Terminal-side control means for outputting to the store the information of the matched payment application as compared with the payment application built in the terminal, wherein the electronic store stores the payment means information output by the terminal-side control means Received from the terminal, a payment method matching the payment method received from the terminal is selected from a plurality of payment methods corresponding to the store. And is to payment information relating to the selected payment means is configured to have a store side control means for outputting to the terminal side.

According to a fifth feature of the present invention, in a settlement processing method of an electronic transaction system including a terminal connected to a network and an electronic store, a step of selecting a product and a terminal based on a signal indicating the selection of the product. Receiving the information of the settlement means output from the terminal side, and matching the settlement means received from the terminal side from among the plurality of settlement means corresponding to the store side, by outputting the corresponding information of the side to the store side; Selecting the item to be settled, outputting the payment information necessary for the payment related to the selected payment means to the terminal side, receiving the payment information required for the payment, and setting the payment means for the payment information. And a selecting step.

[0013] A sixth feature of the present invention is that a terminal is connected to a terminal via a network, receives information on settlement means output from the terminal based on selection of a product at the terminal, and receives a plurality of information corresponding to a plurality of stores. From among the settlement means, the one that matches the settlement means received from the terminal is selected, and the settlement information related to the selected settlement means is output to the terminal-side control means that selects the store-side settlement information of the terminal. The configuration has a store side control means.

[0014] A seventh feature of the present invention is that a reading means connected to an electronic store via a network and reads out information of a payment application held by an IC card, selection of a product, and payment of payment information received from the store side. The input means for selecting the means and the information of the payment application read by the reading means based on the input signal for selecting the product of the input means are compared with the corresponding payment application of the terminal to match. A terminal-side control means for outputting information of the settlement means to the store is provided.

[0015]

Embodiments of the present invention will be described below with reference to the drawings. The same reference numerals in the drawings of the respective embodiments denote the same or corresponding components, and a duplicate description will be omitted.

First, a first embodiment of the present invention will be described with reference to FIGS.
This will be described with reference to FIG.

FIG. 1 is a block diagram showing a first embodiment of the electronic transaction system according to the present invention. The electronic trading system according to the first embodiment of the present invention, as shown in FIG.
0 and the electronic store 150 are connected via the network 700. In FIG. 1, 100 is an IC card, 1
Numerals 60 to 165 denote settlement means of settlement institutions such as credit card companies, electronic money suppliers, and banks. Although only one terminal 110 is shown in FIG. 1, it is general that a plurality or many terminals are connected to the electronic store 150,
Although only 〜165 are displayed, it is also conceivable that a large number of payment means exceeding this will be payment means corresponding to the electronic store 150. The left side of the network 700 in FIG. 1 is called a terminal side, and the right side is called an electronic store side.

The terminal 110 includes a display unit 111, an IC card reader / writer (hereinafter, referred to as an IC card R / W) 1
12, an input unit 113, a terminal-side control unit 114, and a payment application 115. Electronic store 150
Has a storage unit 151, a store-side control unit 152, a settlement unit 153, and product information 154. In the present embodiment, the IC card 100 has two payment applications, “Credit B” and “Bank F”, and the terminals are “Credit A”, “Credit B”, “E-money E”, and “Bank F”. The electronic store 150 supports six types of payment means 160-
165 is assumed.

FIG. 2 is a flowchart showing a settlement processing procedure of the electronic transaction system of FIG. 1 in comparison with a conventional example. With reference to FIG. 2, a payment processing procedure for selecting a desired payment means will be described in comparison with a conventional example.

When the user makes a purchase at the electronic store 150, the user accesses the electronic store 150 via the network 700 and displays the product information 154 on the display unit 111 of the terminal 110 for reference. The user browses the desired product electronically, and if there is a favorite product, for example, as shown at 200, “Stuffed Toy ZSD-8792 2,980”
By displaying a product of “yen” on the screen and pressing a “product purchase” button 201 on the screen, selection of a product to be purchased is input by the input unit 113. In addition, IC card R / W1
12, the payment application (two in this embodiment) held by the IC card 100 is read by the IC card R / W 112. This information is
The input to the terminal-side control means 114
4 operates. This operation is performed in the conventional example from 202 to
It operates as shown at 203, and in the embodiment of the present invention operates as shown at 204-206.

That is, in the conventional example, a "purchase" button 2
When 01 is pressed, the terminal-side control means 114 operates and the terminal 1
10 receives payment information on all the corresponding payment means of the electronic store 150 from the electronic store 150 via the Internet 700 (202). When the terminal 110 receives payment information on all the corresponding payment means of the electronic store 150, the conventional payment unit is replaced with the electronic store 1 of FIG.
Assuming the same as the corresponding settlement means of 50, all settlement means of "credit A", "credit B,""creditC,""electronic money D,""electronic money E," and "bank F account transfer" are displayed. The payment is displayed on the means 111, and the user makes a payment by selecting a desired payment means that can be settled on the terminal side from the payment means (203).

On the other hand, in the embodiment of the present invention, when the "purchase product" button 201 is pressed, based on the input signal,
Information on payment means on the terminal side, specifically IC card R / W
A list of payment applications “credit B” and “F bank account transfer” held by the IC card 100 read in 112 is output from the terminal side control unit 114 and transmitted to the electronic store 150. The electronic store 150 stores the received list of the two types of payment applications in the storage unit 15.
1 and all the settlement means 153 corresponding to the electronic store 150, specifically, "credit A", "credit B,""creditC,""electronic money D", "electronic money E", "F From the settlement means of "bank account transfer", the settlement information relating to the settlement means "Credit B and" F bank account transfer "that matches the received two kinds of settlement means list, specifically, the name, the protocol name, and the like. Payment information required for payment such as the version and the encryption key is output from the store-side control means 152 and transmitted to the terminal 110 via the Internet 700. When the terminal 110 receives this payment information, the received payment information The terminal-side control means 114 outputs two kinds of settlement means from the
1 and the user makes a payment by selecting the payment means desired by the user from the displayed two types of payment means (203). The selection of the settlement means is made by the input side 113 by the terminal side control section 114.
This is done by inputting to.

Further, the above two procedures will be compared with respect to the transmission and reception of information between the terminal side and the store side via the Internet 700. In the IC card 100, only the payment application to which the user has subscribed (2 in this embodiment).
) Is stored, and the data that the user transmits from the terminal to the store via the Internet 700 may be only the name of the settlement means such as “Credit B” and “F bank account transfer”. Also less. Meanwhile, the electronic store 15
Since there are applications corresponding to a large number of payment means in “0”, the number is much larger than the number of applications of the payment means in the IC card. In addition, the payment information transmitted from the store to the terminal via the Internet 700 includes the name of the payment means such as “Credit A” and “Credit B”, the protocol name and the version of the procedure, and the encryption method. Since there are many types of key, the data amount is very large. Therefore, every time a product is selected, the application list of the payment means held in the IC card is transmitted, compared to the conventional example in which data necessary for payment of all payment means supported by the electronic store 150 is transmitted, Sending the payment information relating to the payment means matching the received list of payment means to the terminal side reduces the data amount, leads to a reduction in communication time and communication cost, and also leads to a reduction in communication traffic congestion.

Also, on the display, for example, the conventional 20
When a large number of settlement means are displayed as in 3, it is troublesome to select from among the large number of settlement means, and it is necessary to display each settlement means in a small size, so that the selection from the small display is troublesome. May not fit on a single screen, in which case it may be necessary to scroll the screen, resulting in a problem of inconvenience. On the other hand, by displaying only those which match the settlement means possessed by the user as in the embodiment 206 of the present invention, it is easy to select a desired settlement means therefrom.

Next, a method of creating a list of payment applications on the terminal side according to the first embodiment of the present invention will be described with reference to FIGS.

FIG. 3 is a diagram showing a file structure of an IC card used in the electronic transaction system of the present invention. The multi-application compatible IC card 100 has a master file 3
00 and a directory file (DIR) 301, and payment applications 1 to n (302 to 305). In the example of the IC card 100 shown in FIG. 1, there are two types of payment applications. Further, some payment applications 3 have payment applications 306 to 307 in a directory hierarchy below them. This payment application 301 to 307
Respectively correspond to settlement means such as "credit A", "credit B", and "electronic money B". IC
When the card 100 is inserted into the terminal 110, the IC card R
/ W112, first, the master file 30
0 is selected. The directory file 301 is an IC
This is a file corresponding to the table of contents of the payment application stored in the card. To execute the payment applications 302 to 303 in the IC card, the directory file 30 is deleted from the state in which the master file 300 is selected.
1 to select a desired payment application directory.

FIG. 4 is a block diagram showing the contents of a directory file in the file of the IC card shown in FIG. The directory file 400 corresponds to a so-called table of contents of the IC card 100, and holds a list of the corresponding payment applications 302 to 303 as records numbered sequentially from 1. In the example of the IC card 100 shown in FIG. 1, there are two records. Record 3 has records 1 to n under the directory hierarchy. The contents of the record are ADF (Application Def.) Indicating the contents of the payment application.
Init File) or DDF (Directory Definition File) which is an entry to a new directory. Since the record 3 of the directory file 400 stores the DDF, like the settlement application 304 in FIG.
It indicates that the directory hierarchy 401 is further below.

FIG. 5 is a flowchart showing a procedure for creating a list of payment applications on the terminal side of the electronic transaction system of the present invention.

In FIG. 5, first, a directory file 301 corresponding to the table of contents of the payment application stored in the IC card 100 is selected, and the record number from which data is to be read is set to 1 (step 501). Next, a record in the directory is read using the "READ RECORD" function (step 502). If a record exists, it is confirmed whether the entry of the record is “ADF” describing the contents of the payment application or DDF indicating a new directory file (step 503). If it is "ADF" that describes the contents of the payment application, the payment application name is extracted therefrom and added to the payment application list (step 504). Further, it is checked whether or not there is the next entry (step 505). If there is, the entry is similarly checked.

At step 505, if there is no next entry, the record number is incremented (step 506), and the next record is read (step 50).
2). If the entry is "DDF" corresponding to the table of contents of the next directory hierarchy in step 503, the loop in the current record is interrupted and the record is stacked (step 507). Next, select the name of the new directory file, DDF,
The DF is selected (Step 509).

A record is read (step 5).
02) If there is no data, it is checked whether there is a stack (step 509). If there is, the previous entry is obtained from the stack (step 510) and the search is continued from the next entry. If there is no stack, the flow ends (step 511).

FIG. 6 is a flowchart showing an application list matching procedure on the store side in the electronic transaction system of the present invention.

The store-side control means 152 receives the list of payment applications in the IC card from the terminal 110 (step 601), and stores the list of payment applications in the IC card in the storage means 151 (step 602). The store-side control means 152 includes a storage means 151
, The corresponding payment means 153 of the electronic store 150 is determined as to whether or not the payment means received from the terminal 110 matches the payment means. If they match, they are added to the payment information returned to the terminal 110 (step 604). If they do not match, the process proceeds to the next application determination (step 605). The determination of 603 to 605 is performed for all the payment applications received from the terminal 110, and the process ends when there is no more list (step 606).

Next, a second embodiment of the present invention will be described with reference to FIG.

FIG. 7 is a block diagram showing a second embodiment of the electronic transaction system according to the present invention. The second embodiment of the present invention is different from the first embodiment in that the payment means 153 on the store side is provided by a payment center 17 outside the electronic store 150.
It is different in that it is provided within 0. According to the second embodiment of the present invention, the electronic store 150 expected to increase in the future
By using the payment means 153 in the external payment center 170 in common, the maintenance cost of the electronic store 150 can be reduced, rather than having the payment means 153 respectively.

By transmitting information such as the payment amount in the settlement means corresponding to the store side to the settlement information from the store side to the terminal side in the above-mentioned present invention, for example, a certain settlement means is executing a discount service. If the user is notified of the fact that there is, and can be used as a reference when the user selects a payment application, more convenient payment processing can be performed.

Further, by matching the payment application held by the IC card 100 with the payment application corresponding to the terminal 110 and transmitting the matched payment application to the store, the transmission data can be further reduced. At the same time, the matching process at the store side can be shortened, and the amount of data transmitted from the store side to the terminal side can be reduced, so that the communication time, the communication cost, and the network communication traffic can be further reduced. Can be planned.

If the payment application of the terminal 110 is not compatible with the payment application held by the IC card 100, the terminal 1
It is preferable that software for making the terminal 110 compatible with a payment application that does not support the terminal 110 can be downloaded.

In the present invention, instead of using a personal computer as the terminal 110, a television, a game machine, a portable terminal, a telephone, etc. may be used as long as it has an IC card data reading function and an Internet connection function. However, other terminals can be used.

[0040]

According to the present invention, it is possible to reduce the amount of data from a store to a terminal via a network, thereby reducing communication time and communication cost for settlement and communication traffic of the network. It is possible to obtain an easy-to-use electronic transaction system, a payment processing method therefor, and an electronic store and a terminal used for the electronic transaction system.

[Brief description of the drawings]

FIG. 1 is a block diagram of a first embodiment of an electronic transaction system of the present invention.

FIG. 2 is a flowchart showing a settlement processing procedure of the electronic transaction system of FIG. 1 in comparison with a conventional example.

FIG. 3 is a file configuration diagram of an IC card used in the electronic transaction system of the present invention.

FIG. 4 is a configuration diagram showing contents of a directory file in the IC card of FIG. 3;

FIG. 5 is a flowchart showing a procedure for creating a list of a payment application on the terminal side of the electronic transaction system of the present invention.

FIG. 6 is a flowchart showing a procedure for matching an application list on the store side of the electronic transaction system of the present invention.

FIG. 7 is a block diagram of a second embodiment of the electronic transaction system of the present invention.

[Explanation of symbols]

100 IC card, 110 terminal, 111 display means, 112 IC card reader / writer (IC card R / W), 113 input means, 114 terminal control means, 115 payment application, 150 electronic store, 151 storage means, 152 control means, 153 settlement means, 154 commodity information, 170 settlement center, 7
00 ... network.

Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat II (Reference) G07D 9/00476 9A001 (72) Inventor Shigeyuki Ito 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture Hitachi, Ltd. Multi Inside the Media System Development Division (72) Inventor Minoru Takami 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture Inside Hitachi Multimedia Systems Development Division (72) Inventor Yoshihiro Inoue 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Address: Hitachi, Ltd. Multimedia System Development Division (72) Inventor Kenji Matsumoto 292, Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Prefecture Hitachi, Ltd. Multimedia System Development Division (72) Inventor: Akira Naito Yokohama, Kanagawa Prefecture 292 Yoshida-cho, Totsuka-ku, Ichiba Incorporated Hitachi Multimedia Systems Development Division (72) Inventor Masayuki Inoue 292 Yoshida-cho, Totsuka-ku, Yokohama-shi, Kanagawa Within the vertical image information system (72) Inventor Kazuhiro Kawashima 6-26-2 Minamioi, Shinagawa-ku, Tokyo F-term in the new financial system promotion headquarters, Hitachi, Ltd. 3E040 AA03 BA20 CA11 CB04 3E042 AA10 CD10 EA01 5B049 BB11 BB46 CC05 CC36 DD01 DD04 EE05 EE28 FF03 FF04 FF08 GG04 GG07 5B055 BB10 CB09 CB10 EE02 EE03 EE21 EE27 KK05 KK09 KK11 KK14 KK18 PA05 PA09 PA34 5B058 CA40 KA40 KK04 KK02 BB02

Claims (8)

[Claims] 1. An electronic store comprising a terminal connected to a network and an electronic store, wherein the terminal includes an input unit for selecting a product and a payment unit for payment information received from the store side; The terminal-side control means for outputting information of a corresponding settlement means on the terminal side to the store based on the input signal for selecting the product, wherein the electronic store comprises a settlement means output by the terminal-side control means Of the corresponding payment means received from the terminal side from among the plurality of payment means corresponding to the store side, and the payment information required at the time of payment for the selected payment means is selected. An electronic transaction system comprising a store-side control unit for outputting to a terminal. 2. The settlement means information output from the terminal-side control means to the store is a settlement means list, and the settlement information required for settlement output from the store to the terminal is the settlement information required for settlement. 2. The electronic trading system according to claim 1, wherein the electronic trading system includes information on a name, a protocol, and an amount of money of the vehicle. 3. A terminal connected to a network and an electronic store, wherein the terminal reads out information of a payment application held by an IC card, selects a product, and setstles payment information received from the store. Input means for selecting means, and terminal-side control means for outputting information of the payment application read by the reading means to the store based on a signal from the input means for selecting the product of the input means. The electronic store receives the information on the settlement means output by the terminal-side control means, and selects an electronic store that matches the settlement means received from the terminal side from a plurality of corresponding settlement means on the store side An electronic transaction system comprising a store-side control means for outputting payment information relating to the selected payment means to the terminal. 4. A terminal connected to a network and an electronic store, said terminal comprising: display means for displaying merchandise information and settlement means information; and merchandise selection and settlement means for settlement information received from the store. Input means for making a selection, and corresponding information on the terminal side being output to the store side based on an input signal for selecting the product from the input means, and settlement information of the selected settlement means from the store side And the terminal-side control means for outputting to the display device, the electronic shop receives information of the settlement means output by the terminal-side control means, from among a plurality of settlement means corresponding to the store side An electronic transaction system, comprising: a store-side control unit that selects one that matches the payment unit received from the terminal side and outputs payment information related to the selected payment unit to the terminal side. 5. A terminal connected to a network and an electronic store, said terminal comprising: reading means for reading payment application information held by an IC card; a payment application built in the terminal; Input means for selecting a payment means for payment information received from the side, and a payment built in the terminal based on information of the payment application read by the reading means based on an input signal for selecting the product from the input means. Terminal-side control means for outputting information of a payment application matched with the application to the store side, wherein the electronic store receives payment means information output by the terminal-side control means, From the corresponding plurality of payment means, select the one that matches the payment means received from the terminal side,
An electronic transaction system comprising a store-side control means for outputting settlement information relating to the selected settlement means to the terminal. 6. A settlement processing method for an electronic transaction system including a terminal connected to a network and an electronic store,
A step of selecting a product, and a step of outputting corresponding information on the terminal side to the store based on a signal indicating that the product has been selected,
Receiving the information of the payment means output by the terminal side, and selecting a payment means that matches the payment means received from the terminal side from a plurality of corresponding payment means on the store side; and A step of outputting payment information necessary for the related payment to the terminal side, and a step of receiving payment information required for the payment and selecting a payment means for the payment information. Payment processing method. 7. A terminal which is connected to a terminal via a network, receives information on settlement means output by the terminal based on selection of a product at the terminal, and selects the terminal from a plurality of corresponding settlement means on the store side. Select the one that matches the payment means received from the side, and set the payment information related to the selected payment means
An electronic store for use in an electronic transaction system, comprising: a store-side control unit that outputs to a terminal-side control unit that selects store-side payment information of the terminal. 8. A reading means connected to an electronic store via a network for reading information of a payment application held by an IC card, and for selecting a product and a payment means for payment information received from the store. The input means and the information of the payment application read by the reading means based on the input signal for selecting the product of the input means are compared with the corresponding payment application of the terminal, and the information of the matching payment means is matched with the store side. A terminal for use in an electronic transaction system, comprising: a terminal-side control unit that outputs the information to a terminal.