JP2001306966A - Electronic commerce method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic commerce method for reducing the danger of the leakage of credit card information. SOLUTION: In this electronic commerce method to be realized by a purchaser side PC which transfers various information through a communicating means and a server computer(SC) in which the virtual shop of a seller is established and a settlement computer(KC) of a credit card issuing company, purchase requests constituted of the merchandise number and desired quantity of merchandise whose purchase is desired and an arbitrary password(PW) are transmitted from the purchaser side PC to the SC in response to merchandise information from the SC, and a specific acceptance number added to the purchase requests is transmitted form the SC to the purchase side PC, and purchase reports constituted of the acceptance number and the PW are transmitted from the purchaser side PC to the KC, and bill data constituted of the acceptance number and the PW and the claimed amount are transmitted from the SC to the KC, and the acceptance number and PW in the purchase reports are collated with the PW and acceptance number in the bill data by the KC, and when they are matched, the payment of the claimed amount to the seller and the withdrawal from the bank account of the purchaser are instructed.

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 via communication means such as the Internet, and more particularly to an electronic commerce method in which the risk of leakage of credit card information is reduced.

[0002]

2. Description of the Related Art A conventional electronic commerce method via the Internet or the like has been performed according to the following procedure. First, the buyer accesses the seller's virtual shop established on the Internet to obtain the product information, and when deciding to purchase the product, purchases the product number, purchase quantity, and credit card used for payment. The information such as the number is transmitted to the seller.

[0003] In response to this, the seller sends the merchandise to the purchaser and sends a bill describing the information such as the credit card number and the billing amount to the credit card issuing company.

[0004] The credit card issuing company pays the billing amount to the seller based on the bill and debits the billing amount from the purchaser's bank account registered at the time of issuing the credit card.

[0005]

In the above-mentioned conventional method, the management of information such as credit card numbers transmitted to the seller is left to the seller, and the card owner, that is, the purchaser, cannot manage the information. There is. E-commerce via the Internet is different from purchase at an actual store, and the substance of the business partner is sometimes unclear, so there is great anxiety.

[0006] For this reason, it is often necessary to give up ordering to a seller while knowing that there is a seller who sells at a lower price or that there is a seller who sells more preferable products. I do.

An object of the present invention in view of the above situation is to propose an electronic commerce method in which the risk of leakage of credit card information is reduced.

[0008]

SUMMARY OF THE INVENTION In order to achieve the above object, the present invention provides a purchaser's personal computer which exchanges various kinds of information with each other via a communication means, a server computer in which a virtual shop of a seller is established, and a credit card issuance. An e-commerce method performed by a settlement computer of a company, wherein the server computer transmits merchandise information to the buyer's personal computer; Transmitting a purchase request consisting of an amount and an arbitrary password to the server computer; storing the password in a storage means by the purchaser-side personal computer; Assigning a reception number and storing it in storage means; Transmitting the receipt number to the purchaser's personal computer from the client computer, and transmitting a purchase report including the receipt number and the password from the purchaser's personal computer to the settlement computer of the credit card issuing company. And transmitting, from the server computer, bill data including the receipt number, the password, and the billed amount calculated based on the purchase request to a settlement computer of the credit card issuing company; and The payment computer from the purchaser's personal computer to compare the receipt number and password in the purchase report with the password and receipt number in the bill data from the server computer, the credit card issuing company Payment computer Instructing the seller to pay the billed amount when the match is found, and instructing the buyer to withdraw the billed amount from the bank account of the purchaser. An e-commerce method.

Further, there is provided an electronic commerce system comprising a purchaser's personal computer for exchanging various kinds of information with each other via communication means, a server computer on which a virtual shop of the seller is established, and a settlement computer of a credit card issuing company. The purchaser's personal computer receives the product information and the unique reception number assigned to the purchase request of the purchaser from the server computer, stores the reception number in storage means, and stores the product number of the purchase desired product and any The purchase request consisting of the password determined in the above is output to the server computer, the purchase report consisting of the stored receipt number and the password is output to the payment computer, and the server computer sends the purchaser side personal computer to the purchaser side personal computer. Outputs product information and responds to purchase requests from the buyer's PC. A unique reception number is determined and output to the purchaser's personal computer, and the reception number and the password during the purchase request are stored in storage means, and the charge number for the purchase request and the stored reception number are comprised. Outputting the invoice data to the settlement computer and receiving an approval notification including the receipt number from the settlement computer in the previous period, the settlement computer receives a purchase report including the receipt number from the purchaser side personal computer, and Is output to the server personal computer, and the receipt number and password in the purchase report are compared with the password and receipt number in the bill data. And payment of a predetermined amount from the bank account of the buyer. That is an electronic trading system.

[0010] Furthermore, the electronic commerce system described above is performed by a purchaser's personal computer which exchanges various kinds of information with each other via a communication means, a server computer in which a virtual shop of the seller is established, and a settlement computer of a credit card issuing company. A step of receiving product information from the server computer, which is used in the purchaser's personal computer, and a step of outputting to the server computer a purchase request including a product number of the product desired to be purchased and an arbitrarily determined password; Receiving a unique receipt number attached to the purchase request of the purchaser and storing the receipt number in storage means, and outputting a purchase report including the stored receipt number and the password to the settlement computer. Record the program that executes Body.

A step of outputting the product information to the purchaser's personal computer; a step of receiving a purchase request from the purchaser's personal computer; a step of storing the password during the purchase request in storage means; Determining a unique reception number for the purchase request received from the purchaser's personal computer and outputting it to the purchaser's personal computer; storing the reception number in storage means; A recording medium storing a program for executing a step of receiving an approval notice including the step of outputting billing data including a billing amount for the purchase request and the stored receipt number to the settlement computer.

Receiving a purchase report including the receipt number from the purchaser's personal computer; outputting an approval notice including the receipt number to the server personal computer; Checking the password and the receipt number in the bill data, instructing the seller to pay the billed amount when the two match, and debiting a predetermined amount from the buyer's bank account. And a recording medium for recording a program for executing the steps of:

[0013]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 shows an example of a system configuration and a schematic procedure of electronic commerce according to an embodiment of the present invention. The purchaser's personal computer (PC) 1, the server 2 in which the seller has established a virtual shop, and the settlement computer 3 of the credit card issuing company can mutually exchange various information via the Internet. Each of the purchaser's PC 1, the server 2, and the settlement computer 3 is a computer having a known configuration in which a central control unit (CPU), storage means such as a hard disk, ROM, and RAM, and data input / output means are connected by an interface bus. It is. Each computer is connected to the Internet via the input / output means. The Internet may be another communication means such as a dedicated line.

[0014] The purchaser registers a bank account number with a credit card issuing company (hereinafter referred to as a card company) in advance, and has been issued a credit card. The payment by the credit card from the purchaser to the third party is made by the card company in advance to the third party, and then deducted from the bank account to the card company at a later date. Each credit card has a unique card number.

The details of the electronic commerce procedure according to the present invention will be described below.

First, the purchaser's PC 1 accesses the server 2 of the seller's virtual shop via the Internet to obtain and display various product information (1). The purchaser refers to the displayed product information and examines whether there is a product desired to be purchased.

If the purchaser finds the desired product, the purchaser sends a purchase request including the product number, purchase quantity, delivery destination, and arbitrarily determined password of the product to the virtual shop server 2 (2). Preferably, the password includes an identification code that enables the purchaser to identify his / her own password.

Steps 1 and 2 are performed, for example, as follows. That is, in step 1, the buyer P
C1 displays the product information screen 20 as shown in FIG. On the product information screen 20,
It includes a product number 21 of each product, a description 22 such as an image and a price of the product, a column 23 for inputting a desired purchase amount of each product, a column 24 for entering a password, a column 25 for specifying a delivery destination, and a transmission button 26. When the send button 26 is clicked, the purchaser's PC 1 enters the item number 21 of the item in which the numerical value of one or more is entered in the desired amount column 23 and the desired amount input column 2
The purchase request including the desired purchase quantity entered in 3, the password entered in the password entry field 23, and the delivery destination information entered in the delivery destination designation field 24 is transmitted to the server 2.

At the same time, the purchaser PC 1 stores the password in the storage means of the purchaser PC 1.

The server 2 of the virtual shop that has received the purchase request determines the reception number and assigns the reception number to the purchaser P
Reply to C1 (3). It is desirable that the reception number includes a store number or the like for identifying the own virtual shop from other virtual shops. The store number may be an Internet address of a virtual shop site.

Further, the password for which purchase is desired and the reception number are stored in a pair in the storage means of the server 2.

The purchaser's PC 1 receiving the reply includes the reception number, the password stored in the storage means at the time of transmission of the purchase request (2), and the credit card number of the credit card used to pay the purchase price. The purchase report is transmitted to the settlement computer 3 of the card company (4).
The credit card number may be input by the purchaser each time, or the purchaser PC 1 may store the credit card number in its storage means in advance and use it. This eliminates the need for the buyer to enter the credit card number each time. Since the credit card number is stored in the purchaser's PC1, the purchaser can manage the credit card number. So don't worry.

Further, the purchaser's PC 1 stores a default password in its storage means in advance, so that the purchase contents are under predetermined conditions, for example, the purchase amount is within the predetermined amount, and / or the virtual shop of the purchase destination is in a predetermined list. It is determined whether or not the condition is satisfied, and if the predetermined condition is satisfied, the default password is used. If the predetermined condition is not satisfied, the password is input to the purchaser every time. Is also good. In the unlikely event that an accident occurs, it is possible to eliminate the trouble of entering the password of the purchaser if the business transaction is such that the damage is slight and the seller is known to be a reliable seller.

When the reception number received from the server 2 of the virtual shop does not include a store number or the like, the purchaser's PC 1 uses the reception number added with the Internet address of the virtual shop as the reception number.

The payment computer 3 of the card company identifies the purchaser from the received credit card number, conducts a credit check of the purchaser by referring to the credit information database as necessary, and issues an approval notice if there is no problem. A reply is sent to the PC 1 (5).

The settlement computer 3 of the card company also sends an approval notice to the server 2 of the virtual shop (6). This can be replaced by transferring the approval notification (see 5) received by the purchaser's PC 1 to the server 2. The combination of the two cases is referred to as the transmission of the approval notification. Each of the approval notifications also includes the reception number.

The server 2 of the virtual shop receives the approval notification and outputs a shipping instruction of the product. The seller ships the product to the delivery destination specified by the purchaser based on the shipping instruction (7).

The server 2 of the virtual shop transmits the bill data to the settlement computer 3 of the card company (8). The bill data includes the billed amount, the receipt number, and the password. In the reception number transmission (3), if the server 2 of the virtual shop has transmitted the reception number that does not include the store number or the like to the purchaser, the server 2 adds the Internet address of its own virtual shop to the reception number. Is used as the acceptance number.

The settlement computer 3 of the card company collates the password of the bill data, the receipt number and the bill amount with the password, the receipt number and the purchase amount in the purchase report received from the purchaser's PC 1 and finds a match. If so, the payment instruction is issued to the seller in advance (9). The instruction for the advance payment is, for example, a transfer instruction from the bank account of the card company to the computer of the bank of the card company to the bank account of the seller.

Then, a debit request is transmitted to the computer of the transaction bank of the purchaser registered in advance, and a predetermined amount is debited from the bank account of the purchaser to the account of the card company (10).

The above procedure completes the electronic commerce.

Each procedure of the electronic commerce is performed by the purchaser's PC
1, the server 2, and the settlement computer 3 execute the programs stored in the respective storage units. Although the entire processing performed by the purchaser PC 1, the server 2, and the settlement computer 3 has already been described in detail, the purchaser P
The processing performed by each of C1, server 2, and settlement computer 3 will be outlined below.

First, the flow of processing performed by the purchaser PC 1 will be described with reference to the flowchart of FIG. When the processing is started, the purchaser's PC 1 connects via the Internet to the server 2 of the virtual shop that sells the product to be purchased in accordance with the operation of the purchaser, and a product sales site established on the server 2 To receive the product information screen 20 of FIG. 2 and display it on the display unit of the seller PC 1 (S11).

The purchaser fills in a purchase quantity entry field 23, a delivery destination designation field 25, and a password entry field 24 on the displayed product information screen 20 and clicks a send button 26.

The purchaser's PC 1 displays the product number of the product whose number is entered in the purchase quantity entry field in response to the click operation,
A purchase request including a desired purchase quantity, a password, a delivery destination, and the like is output to the server 2 (S12). At the same time, the password is stored in the storage means (S13).

Then, a receipt number for the purchase request is received from the server 2 which has received the purchase request from the purchaser's PC 1 and stored in the storage means (S14). The reception number includes a store number for identifying the own virtual shop from other virtual shops.

Then, a purchase report including the reception number, the password, and the credit card number used for settlement of the purchase price is transmitted to the settlement computer of the credit card company (S15), and the process is terminated.

Next, the flow of processing performed by the server 2 will be described with reference to the flowchart of FIG. The process is started by the purchaser's PC1 accessing the product sales site via the Internet, and the product information of the product previously stored in the product sales site is output to the buyer's PC1 that has accessed (S21).

Then, the purchase request from the purchaser PC 1 is received (S22), and the reception number for the purchase request is determined and output to the purchaser PC 1 (S23). The reception number includes a store number or the like for identifying the own virtual shop from other virtual shops.

Then, the password included in the purchase request is stored in the storage unit in a pair with the reception number (S24).

Then, an approval notice of the credit card company is received (S25). The approval notice is received directly from the settlement computer 3 of the credit card company, or the approval notice received by the purchaser PC 1 is transferred.

Then, a process for sending the product to the purchaser, for example, a process of outputting a delivery slip to a delivery destination included in the purchase request received in S22 (S26).

Then, the bill data is transmitted to the settlement computer 3 (S27), and the processing is terminated. The bill data includes the receipt number and the password in addition to the billed amount.

Next, the flow of processing performed by the settlement computer 3 will be described with reference to the flowchart of FIG. The process starts by receiving a purchase report including a receipt number, a password, and a credit card number from the purchaser's PC 1 (S31), and conducts a credit check of the purchaser as necessary.
After confirming that there is no problem, the purchaser's PC 1 and server 2
(S32).

Then, the bill data from the server 2 is received (S33). The bill data includes a bill amount, a receipt number, and a password.

Then, the reception number and password received from the purchaser PC 1 in S31 are compared with the reception number and password received from the server 2 in S33 (S3).
4) If they match, the process proceeds to S36, and if they do not match, the process proceeds to S38 (S35).

In step S36 in the case of coincidence, a process of paying the bill amount included in the bill data to the virtual shop, for example, a process of outputting a withdrawal slip to be transferred to the bank account of the virtual shop owner is performed. . Then, the process of withdrawing the billed amount from the purchaser's bank account, that is, outputting a withdrawal bill to the buyer's bank registered in advance is output, and the process ends.

On the other hand, in the case of a mismatch in step S38, a notice to the effect that payment is rejected is output to the server 2, and the process is completed.

As described above, in the method of the present invention, since the credit card number is not notified to the seller, the leakage of the card information can be prevented.

On the other hand, the seller can obtain the guarantee of the payment by the notice of approval from the card company, so that a high-value transaction can be performed with confidence.

Further, by sequentially changing the password used in the transmission of the purchase request (2), one password can be made effective only for the transaction of a specific reception number.
As a result, even if the password is leaked from the seller, an accident is prevented.

Further, the password in the purchase request transmission (2) is determined using a random number generated by the purchaser PC1, and the purchase request transmission (2), The processing of the purchase report (4) may be automatically performed. This eliminates the need for the purchaser to determine and enter a password.

[0053]

According to the present invention, since the credit card number is not transmitted to the seller, the risk of leakage of card information in electronic commerce can be reduced. Furthermore,
When the purchaser's PC stores the credit card number and / or password in its storage means and satisfies a predetermined condition, it is used, so that the input operation of the purchaser is reduced.

[Brief description of the drawings]

FIG. 1 is a diagram schematically illustrating a configuration and a commercial transaction procedure according to an embodiment of the present invention.

FIG. 2 is a diagram showing an example of a screen of a purchaser's PC for transmitting a desired purchase quantity and a password to a server computer.

FIG. 3 is a flowchart illustrating a flow of a process performed by a purchaser PC.

FIG. 4 is a flowchart illustrating the flow of processing performed by a server.

FIG. 5 is a flowchart illustrating the flow of a process performed by a settlement computer.

[Explanation of symbols]

 1 ... PC on the purchaser's side 2 ... Server on which the seller has established a virtual shop 3 ... Computer for settlement by credit card issuing company

 ──────────────────────────────────────────────────続 き Continued on the front page F term (reference) 5B049 AA05 BB11 BB46 CC05 CC10 CC36 CC39 DD01 DD05 EE00 EE05 FF03 FF09 GG02 GG04 GG07 5B055 BB16 CB09 EE02 EE03 EE27 FA05 JJ05 KK00

Claims (16)

[Claims] 1. An electronic commerce method performed by a purchaser's personal computer which exchanges various kinds of information with each other via a communication means, a server computer in which a virtual shop of a seller is established, and a settlement computer of a credit card issuing company. Transmitting the product information from the server computer to the purchaser's personal computer; and from the purchaser's personal computer, a purchase request including a product number, a purchase desired quantity, and an optional password for specifying a product to be purchased, from the server. Transmitting to the computer; storing the password in the storage unit by the purchaser-side personal computer; and storing the storage request in the storage unit with the server computer assigning a unique reception number to the purchase request. From the server computer, enter the receipt number Transmitting the purchase report including the receipt number and the password to a payment computer of a credit card issuing company from the buyer computer; and Transmitting billing data comprising a number, the password, and a billing amount calculated based on the purchase request to the settlement computer of the credit card issuing company; and the settlement computer of the credit card issuing company,
Matching the receipt number and password in the purchase report from the purchaser side personal computer with the password and receipt number in the bill data from the server computer; and the settlement computer of the credit card issuing company,
And e. Instructing the seller to pay the billed amount and instructing the buyer to withdraw the billed amount when the match is found. . 2. The electronic commerce method according to claim 1, wherein the reception number includes an Internet address of the virtual shop. 3. The electronic commerce method according to claim 1, wherein the purchaser's personal computer uses a credit card number stored in advance as a credit card number in the purchase report. 4. The electronic commerce method according to claim 1, wherein the purchaser's personal computer uses a default password stored in advance as the purchase request and the password in the purchase report. Method. 5. The electronic commerce method according to claim 4, wherein the purchaser's personal computer transmits a pre-stored default password only when the content of the purchase request or the seller satisfies a predetermined condition. An e-commerce method, wherein the e-commerce method is used as a password in the purchase request and the purchase report. 6. The electronic commerce method according to claim 1, wherein the reception number from the server computer is a reception number that does not include a code for specifying a virtual shop, and the reception number received from the server computer of the purchaser's personal computer. Setting a new reception number obtained by adding the Internet address of the virtual shop to the received reception number, as a reception number in the purchase report; and a step of adding the Internet address of the virtual shop to the stored reception number of the server computer. Making the receipt number the receipt number in the purchase report. 7. The electronic commerce method according to claim 1, further comprising the step of transmitting, from the settlement computer of the credit card issuing company, an approval notice for approving execution of the electronic commerce for the purchase request to the server computer. An e-commerce method comprising: 8. An electronic commerce system comprising a purchaser's personal computer that exchanges various kinds of information with each other via communication means, a server computer on which a virtual shop of the seller is established, and a payment computer of a credit card issuing company. The purchaser's personal computer receives the product information and the unique reception number assigned to the purchase request of the purchaser from the server computer, stores the reception number in storage means, and optionally stores the product number of the product desired to be purchased. A purchase request consisting of the determined password is output to the server computer,
A purchase report including the stored receipt number and the password is output to the payment computer.The server computer outputs the product information to the purchaser-side personal computer, and responds to a purchase request from the purchaser-side personal computer. A unique reception number is determined and output to the purchaser's personal computer, and the reception number and the password during the purchase request are stored in storage means, and the charge number for the purchase request and the stored reception number are comprised. Outputting the invoice data to the payment computer and receiving an approval notification including the receipt number from the payment computer in the previous period, the payment computer receives a purchase report including the receipt number from the purchaser-side personal computer, and Is output to the server personal computer, the receipt number in the purchase report and Password and the receipt number in the invoice data, and when they match, instruct the seller to pay the invoiced amount and debit a predetermined amount from the buyer's bank account. An electronic trading system characterized by instructing. 9. The electronic commerce system according to claim 8, wherein the receipt number includes an Internet address of the virtual shop. 10. The electronic commerce system according to claim 8, wherein the purchaser's personal computer uses a credit card number stored in advance as a credit card number in the purchase report. . 11. The electronic commerce system according to claim 8, wherein the purchaser's personal computer uses a default password stored in advance as the purchase request and the password in the purchase report. system. 12. The electronic commerce method according to claim 11, wherein the purchaser's personal computer transmits the purchase password or a default password stored in advance only when the seller satisfies a predetermined condition. An e-commerce system, wherein the e-commerce system is used as a password in the purchase request and the purchase report. 13. The electronic commerce method according to claim 8, wherein the reception number from the server computer is a reception number that does not include a code for specifying a virtual shop, and a reception during a purchase report from the purchaser's personal computer. The number is a reception number obtained by adding the Internet address of the virtual shop to the reception number. The reception number in the invoice data from the server computer is a reception number obtained by adding the Internet address of the virtual shop to the reception number. Characterized e-commerce system. 14. The purchase of an electronic commerce system performed by a purchaser's personal computer which exchanges various kinds of information with each other via a communication means, a server computer in which a virtual shop of the seller is established, and a settlement computer of a credit card issuing company. A step of receiving product information from the server computer, outputting a purchase request including a product number of the product desired to be purchased and an arbitrarily determined password to the server computer, Receiving the unique reception number assigned to the purchase request of the user and storing the reception number in storage means, and outputting a purchase report including the stored reception number and the password to the settlement computer. Recording medium on which the program to be executed is recorded . 15. The server of the electronic commerce system performed by a purchaser's personal computer which exchanges various information with each other via communication means, a server computer in which a virtual shop of the seller is established, and a settlement computer of a credit card issuing company. A step of outputting the product information to the purchaser's personal computer; receiving a purchase request from the purchaser's personal computer, the product number including a product number and an arbitrarily determined password. Storing the password during the purchase request in a storage unit; determining a unique reception number for the purchase request received from the purchaser's personal computer; and outputting to the purchaser's personal computer; Storing the reception number in the storage means; Recording a program for executing a step of receiving an approval notification including the receipt number from the data, and a step of outputting billing data including the billed amount for the purchase request and the stored receipt number to the settlement computer. Medium. 16. The settlement of the electronic commerce system executed by a purchaser's personal computer which exchanges various kinds of information with each other through communication means, a server computer in which a virtual shop of the seller is established, and a settlement computer of a credit card issuing company. Being used in a computer, receiving a purchase report including a receipt number and a password from the purchaser-side personal computer; outputting an approval notice including the received receipt number to the server personal computer; From the server computer, receiving the invoice data consisting of the billing amount, the receipt number, and the password; and comparing the receipt number and the password in the purchase report with the password and the receipt number in the bill data; When the two match, sell the billed amount Recording medium recording a program for executing the steps of instructing the payment, and the step of instructing the withdrawal of the predetermined amount of money from the bank account of the purchaser to.