JP2001338135A - Electronic commerce system and electronic commerce method using the system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic commerce system of high safety and an electronic commerce method utilizing the system. SOLUTION: The system is mainly constituted of a server computer 10 for mediating commercial transactions among users α, β,..., cooperating parties A, B,..., a credit company I, and a financial institution J. The most characteristic things of the system are that terminal equipment 20a to 20j are provided with recognition devices 21a to 21j for recognizing the biological features of users α, β,..., which are necessary for specifying an application subject of a commercial transaction from the and when one of the recognition results of the devices 21a to 21j is inputted on the assumption that the ID data and biological features of the users α, β,... are previously registered in a personal information file 11, the computer 10 retrieves the file 11 and the user having the same biological feature registered in the file 11 is approved as the application subject of the commercial transaction, all or a part of the ID data of the user concerned and the application contents of the transaction are transmitted to a terminal equipment 30a or the like to be a transaction party via a communication line 1.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

TECHNICAL FIELD The present invention relates to a computer wherein a terminal is connected to a computer via a communication line / telephone line.
The present invention relates to an e-commerce system and an e-commerce method using the system, in which when a user performs an intention display related to a commercial transaction through a terminal, a computer transmits the intention display to a business partner.

[0002]

2. Description of the Related Art At present, financial institutions employ an electronic commerce system. Since the host computer of the financial institution is connected online with the host computer of another partner financial institution, the user can deposit, pay, transfer, etc. at his own financial institution simply by visiting the store of a different financial institution. It can be carried out.

[0003] Recently, business transactions using the Internet have been actively performed, and this is also one of electronic commerce systems.

[0004]

However, it has been pointed out that the prior art described above has a problem of low security. In other words, those employed by financial institutions may be damaged if the bankbook, seal or cash card required for identity verification is lost or forged by a third party. In particular, it is highly probable that a device using the Internet will be damaged if the password is not properly managed, since the password is used as the final identity verification. Unless these problems are resolved, users will not be able to trust the system,
E-commerce systems cannot be expected to spread widely in all fields.

The present invention has been made in view of the above background, and an object of the present invention is to provide a highly secure e-commerce system and an e-commerce method using the same.

[0006]

In an electronic commerce system according to the present invention, one or a plurality of terminals are connected to a computer via a communication line / telephone line, and a user is involved in a business transaction through the terminals. In the electronic commerce system in which the computer transmits the intention to the business partner when the intention is input, the terminal or a device connected to the terminal includes a user required to identify the subject of the transaction. A recognition device for recognizing biological characteristics of the computer from the outside, and when personal data files of the computer are registered in advance with ID data and biological characteristics of a plurality of users, the computer When the biological characteristics of the user output from the recognition device are input, the personal information file is searched and registered in the file. Same user having the biological characteristics are recognized as being the commercial entity has, is characterized in that it is configured to transmit the intention associated with the transaction to transaction partner.

As a recognition device, for example, a user's skeleton,
Face, voiceprint, handwriting, fingerprint, retina, iris, palm shape,
Skeleton or its blood vessel pattern, finger joints, pinna shape,
It is preferable to use a configuration that recognizes a blood vessel pattern on or near the eardrum, DNA, and a combination thereof. The terminal may be of any type as long as it can be connected to a computer via a communication line / telephone line, as well as a terminal installed indoors and outdoors. Alternatively, a personal computer or a game machine may be used as the terminal device.

When the mobile telephone radio is used as a terminal, a camera provided in the mobile telephone radio is used as a recognition device for recognizing a user's skeleton, face or fingerprint, or provided in the mobile telephone radio. It is preferable to use the microphone provided as a recognition device for recognizing a user's voiceprint.

With this configuration, when the user performs an intention display relating to a commercial transaction through the terminal, the biological characteristics of the user are recognized by the recognition device provided in the terminal, and the personal information is recognized by the computer. The file is retrieved and a user with the same biological characteristics registered in the file is identified as a commercial entity, and then at least an intent associated with the commercial transaction is transmitted to the commercial partner. As a result, the user's intention is transmitted to the business partner via the computer.

[0010] More preferably, when the password is included in the ID data of the user registered in the personal information file, when the user inputs the password through the terminal, the computer searches the personal information file, The biological characteristics of the user having the same password registered in the same file are obtained, and it is determined whether or not the biological characteristics match the recognition result of the recognition device. It is desirable to adopt a configuration that certifies that This is because the personal information file can be quickly searched using the password input by the user as a search key.

[0011] More preferably, the terminal or the device connected to the terminal is provided with a cash receiving device, and the computer is configured such that when a user pays a cash required for a commercial transaction through the cash receiving device, It is desirable to adopt a configuration in which the fact is transmitted to the business partner. This is because the user can pay the fee necessary for the commercial transaction in cash on the spot.

[0012] More preferably, the terminal or a device connected to the terminal is provided with a card reader for reading data contained in an information card such as a cash card, a debit card, or an IC card issued by a financial institution or the like. When the information card is set in the card reader, the computer sends the account number of the financial institution included in the ID data of the user who has been identified as the entity of the transaction and the fee required for the transaction to the transaction. It is preferable to transmit to the financial institution, and then, when receiving the notification from the transaction financial institution that the user has accepted the card payment of the user, transmit the effect to the commercial transaction partner. This is because the user can pay the fee necessary for the commercial transaction on the spot with a cash card or the like.

More preferably, the terminal or a device connected to the terminal is provided with a card reader for reading data contained in an information card such as a credit card or an IC card issued by a credit company. When the information card is set in the card reader, the transaction credit company user number included in the ID data of the user who has been identified as a commercial transaction entity and the fee required for the transaction are transmitted to the transaction credit company, It is preferable that, when receiving a notice that the credit payment of the user is accepted from the transaction credit company, the fact is transmitted to the commercial transaction partner.
This is because the user can pay the fee necessary for the commercial transaction with a credit card or the like.

[0014] More preferably, the computer transmits to the financial institution an account number of the financial institution included in the ID data of the user who has been recognized as the entity of the commercial transaction and a fee required for the commercial transaction. It is preferable that, when receiving the notification that the card payment of the user is accepted from the institution, the fact is transmitted to the commercial transaction partner. Similarly, the computer transmits the user number of the transaction credit company and the fee required for the transaction included in the ID data of the user who has been recognized as a commercial transaction entity to the financial institution, and thereafter, the user is transmitted from the transaction financial institution to the user. May be configured to be transmitted to the commercial transaction partner upon receipt of the approval of the credit payment. This is because the user can pay the fee necessary for the commercial transaction with the card without carrying the card or the like.

[0015] More preferably, when the computer receives from the commercial transaction partner that another fee is required in connection with the user's business, the account number of the transaction financial institution included in the ID data of the user and The fee is transmitted to the transaction financial institution or the user number of the transaction credit company included in the ID data of the user and the fee are transmitted to the transaction credit company. It is preferable that, when receiving the notification that the user has accepted the card payment, the notification is transmitted to the commercial transaction. This is because, when it becomes necessary to pay another fee to the business partner in connection with the user's business transaction, the payment is automatically made with a card without operating a terminal or the like.

[0016] More preferably, the terminal or a device connected to the terminal has a seal and / or a seal for recognizing a signature.
A sign reading device is provided, and when the user newly registers using a terminal before conducting a transaction, the computer reads the data included in the information card when the data is read by the card reading device. The information card is transmitted to the transaction financial institution or the transaction credit company.
Upon receiving the D data, it is determined whether or not the seal and / or signature data included in the ID data matches the user's seal and / or signature data read by the seal / sign reader. It is preferable that, when they match, the received ID data and the biological characteristics of the user recognized by the recognition device be registered in the personal information file. This is because the user can identify himself without inputting ID data to the terminal at the time of new registration.

The computer may have the following configuration instead of the above. That is, when the data included in the information card is read by the card reading device, the computer reads the data together with the seal and / or signature data recognized by the seal / sign reading device, or the financial institution or the financial institution of the information card. When the ID data of the user is transmitted from the financial institution or the like after being transmitted to the transaction credit company and the seal and / or the signature are matched with those registered in the financial institution or the like, the received ID data And registering the biological characteristics of the user recognized by the recognition device in the personal information file.

[0018] More preferably, the terminal or the device connected thereto has a function of realizing the contents of debts of the commercial transaction partner generated by the establishment of the commercial transaction, and the computer is configured to execute at least the commercial transaction. After transmitting the related intention expression to the business partner, and receiving a notice from the business partner that the business transaction is approved, it is desirable to realize a structure of the debt of the business partner generated by the establishment of the business transaction through a terminal or the like. This is because it is possible to receive the offer of the target of the commercial transaction following the display of the intention related to the commercial transaction.

According to the electronic commerce method using the electronic commerce system of the present invention, when a user makes an application for a commercial transaction through a terminal, a recognition device recognizes a biological characteristic of the user, and a computer stores the personal information file. Search and find that the user with the same biological characteristics registered in the file is the subject of the business transaction,
Send the application details of the user's commercial transaction to the commercial transaction partner, and then, when receiving a notification that the application for the commercial transaction transmitted from the commercial transaction partner is acknowledged, a terminal that is the same as or different from the terminal to which the commercial transaction was applied It is characterized in that the content of the debt of the commercial transaction partner generated by the establishment of the commercial transaction is realized by the machine or the device connected thereto.

[0020]

Embodiments of the present invention will be described below with reference to the drawings. 1 is a configuration diagram of an electronic commerce system, FIG. 2 is a partially omitted front view of a terminal for new registration of the system, a partially omitted front view, FIG. 3 is a diagram showing an operation panel of the terminal, FIG. FIG. 5 is a partially omitted front view of a terminal for commerce, FIG. 5 is a flowchart of software for new registration of a computer which is a center of the system, FIG. 6 is a flowchart of software for commerce of the computer, FIGS.
FIG. 1 is an explanatory diagram showing transition of a screen of a liquid crystal display panel of the terminal and the like.

The electronic commerce system described here is shown in FIG.
.. And users A, B,...
The configuration is centered on a server computer 10 that mediates electronic commerce between the credit company I and the financial institution J. The computer 10 is located under an administrator. In the figure, reference numeral 13 denotes a terminal used by the administrator. That is, the manager mainly works as an intermediary so that business transactions between the two parties are performed safely and smoothly.

In the figure, 20a to 20j are users α, β,.
Is a terminal that can be used freely to indicate intentions related to commerce (for example, application for commerce, cancellation, change, etc.). It has a computer as its main configuration and is installed in a booth or the like directly managed by an administrator. ... Before the affiliates A, B, etc. try to use the system, it is necessary to make a contract with an administrator in advance.
Similarly, before the user α or the like tries to use the system, it is necessary to newly register the computer 10. The terminals 20a to 20j also have a function of newly registering.

In the figure, reference numerals 30a to 30j denote partners A, B,.
These are terminals arranged at the credit company I and the financial institution J, respectively, and mainly have a computer. Terminal 2
0a-20j, computer 10, terminals 30a-30
j are connected to each other via a communication line 1.
For example, when the computer provided in the partner A receives predetermined data transmitted from the computer 10 via the communication line 1, the computer having the contents reflecting the contract between the administrator and the partner A is downloaded. Processing is performed, predetermined data is generated and transmitted to the computer 10 via the communication line 1. The same applies to the computers provided at the partner B, the credit company I, and the financial institution J (the specific contents of the data transmitted and received will be described later). The communication line 1 is generally a telephone line, but may be a special line such as an optical fiber, a satellite line, a wireless line, or the like.

The most basic function of the system is that, when a user α, β... Inputs an intention display relating to a commercial transaction through the terminals 20a to 20j, the intention display is transmitted to the trading partner. It is in.

The terminals 20a to 20j are provided with recognition devices 21a to 21j for externally recognizing the biological characteristics of the users α, β,. . The computer 10 includes users α, β,
ID data and biological characteristics are registered in the personal information file 11 in advance. When the biological characteristics of the user output from the recognition devices 21a to 21j are input, the computer 10 searches the personal information file 11, and the user having the same biological characteristics registered in the file searches for a commercial transaction. It is configured to be recognized as the subject, and to transmit at least an intentional expression related to the commercial transaction to the commercial transaction partner via the communication line 1. This is the most characteristic point of the system.

The user ID data that can be registered in the personal information file 11 includes, for example, name, address, date of birth, age, gender, telephone number, identification card (driver's license,
Copy of health insurance card or passport, photo of face, password, etc. In addition to this, there are data such as the name of the financial institution, account number, registered seal or signature, and data of the trading credit company, user number, registered seal or signature. If all these data are not available, it does not mean that the user cannot use the system. The ID data of the users α, β... Are input by the user themselves or provided by the user's transaction financial institution or transaction credit company, and are registered in the personal information file 11 for each user. (Details will be described later).

The biological characteristics of the user that can be registered in the personal information file 11 include, for example, skeleton, face, voiceprint, handwriting, fingerprint, retina, iris, palm shape, skeleton or its blood vessel pattern, finger joint, ear There are the shape of the media, the blood vessel pattern on or near the eardrum, DNA, and the like. If all these data are not available, it does not mean that the user cannot use the system. The recognizable devices 21a to 21j provided in the terminals 20a to 20j can recognize the user's skeleton, face, voiceprint, handwriting, fingerprint, retina,
DNA etc. These recognition results are registered in the personal information file 11 of the computer 10 for each user.

In a predetermined memory of the computer 10, in addition to the personal information file 11 as described above, a quotient information file 12 and the like are recorded. Business content information file 12
The data such as the name of the product or service (including the display code assigned to the product etc.), the fee, the name of the bank, the account number, etc. provided by the partners A, B. It is possible to register. These data are transmitted from the partner A's terminal 30a, the partner B's terminal 30b, etc., and are recorded in the quotient information file 12 as needed. In addition, partner A, B
... Information such as the communication address of J is registered in another file.

As shown in FIGS. 2 and 3, the terminal 20a has an appearance similar to that of a bank ATM device. Terminal 2
0a front panel fp1 includes a face / skeleton recognition camera 211a, a voiceprint recognition microphone 212a, a face confirmation monitor 201a, a coin slot 202a, and a bill slot 203.
a, bill take-out opening 204a, take-out opening 20 for coins, etc.
5a, a card reader 216a, etc., and a front panel fp2 is provided with a printout port 206a for receipts and the like. Also, the operation panel op of the terminal 20a
Are provided with a signature recognition input device 213a, a fingerprint / DNA recognition input device 214a, a liquid crystal display panel 207a, and a scanner device 208a.

The liquid crystal panel 207a is capable of not only displaying and outputting various data but also inputting data in the form of a touch panel. Sign recognition input device 213a
According to the same principle as that of the liquid crystal panel 207a, when a sign is made on the panel using an electronic pen (not shown), the handwriting can be recognized. The scanner device 208a is used to recognize not only documents such as identification cards but also seals and the like.

A digital camera or the like is used as the face / skeleton recognition camera 211a, and is configured to photograph the face, upper body, and the like of a user standing in front of the terminal 20a.

The voiceprint recognition microphone 212a is connected to the terminal 20.
The voice of the user standing in front of a is collected, and its frequency spectrum is measured as a voiceprint. In addition,
The frequency spectrum analysis may be performed by the computer 10.

The fingerprint / DNA recognition input device 214a
The fingerprint of the user's finger is photographed by a camera or the like, and the DNA of the user is measured using a so-called DNA chip or the like.

The retinal recognition input device 215a is a retinal examination photographing machine, and is configured to photograph a user's retina. Note that the iris of both eyes of the user may be photographed using a similar device.

The camera 211a for face / skeleton recognition, the microphone 212a for voiceprint recognition, and the input device 213 for signature recognition
a, a fingerprint / DNA recognition input device 214a, a retinal recognition input device 215a, etc., constitute a recognition device 21a. FIGS. 2 and 3 are diagrams assuming that all of the face / skeleton recognition camera 211a and the like are provided in the terminal device 20a. However, in consideration of the inconvenience of the user and the accuracy of personal identification, etc., FIG. It is sufficient to provide this part.

The scanner device 208a corresponds to a seal / signature reading device. That is, at the time of new registration, the user's seal and / or signature is recognized through the scanner device 208a.

Coin slot 202a, bill slot 203
a, bill take-out opening 204a and take-out opening 2 for coins and the like
05a corresponds to a cash receiving device. That is, it is possible for the user to pay cash required for a commercial transaction through the coin slot 202a or the like.

The card reader 216a reads data contained in information cards such as cash cards, debit cards, credit cards, and IC cards issued by financial institutions, credit companies and the like. That is, it is possible for the user to make a card payment or a credit card payment of a fee required for a commercial transaction through the card reader 216a. However, it is possible to pay a card or the like to a newly registered user without using a cash card or the like (details will be described later).

The terminal 20a is provided with an interphone (not shown) so that the administrator and the user α can talk freely. An announcement for operation guidance is made through the speaker of the intercom. The announcement and the display output of the liquid crystal panel 207a are appropriately performed in a foreign language.

The respective devices provided in the terminal 20a and the computer 10 are connected to each other through the computer in the terminal 20a so that data transmission and reception are performed mutually.

The terminal 20b is connected to the terminal 2 as shown in FIG.
Although the outer shape is different from that of the terminal 20a and is simplified, the terminal 20a has the same basic configuration as the terminal 20a. The bill slot and the like are not shown. Terminal 20b
Are arranged in a booth or the like installed outdoors or in a store. The terminals 20c to 20j are exactly the same as the terminal 20b.

The computer 10 operates according to the software shown in FIGS. The contents of this software will be described with reference to FIGS.
In addition, a process until the user α operates the terminal device 20a to actually perform a commercial transaction will be described. 7 to 11 show the transition of the display screen of the liquid crystal display panel 207a of the terminal 20a, but also show the flow of software processing for convenience.

The computer 10 has terminals 20a to 20a.
A series of processes are performed in cooperation with the computer in the computer 20j. Items that can be processed only by the computers in the terminals 20a to 20j are processed by software of the computers, but are described as processing of the computer 10 for convenience.

The liquid crystal display panel 207a of the terminal 20a displays an initial screen for the user to select whether to make a new registration or to make a new registration and conduct a commercial transaction.

When the user α selects new registration through the liquid crystal display panel 207a of the terminal 20a, the computer 10 sequentially processes the new registration software shown in FIG.

First, the recognition device 21a of the terminal 20a is operated, and the biological characteristics of the user α are recognized by the recognition device 21a. Since recognition of the biological characteristics of the user α requires the cooperation of the user α, an announcement such as uttering a voice is output through the terminal 20a. Then, when the biological feature of the user α is recognized, the data of the recognition result is input as needed.

Thereafter, the personal information file 11 is searched using the inputted biological characteristics of the user α, and it is determined whether or not a user having the same biological characteristics has already been registered. Whether a user α having the same biological feature is registered in the personal information file 11 is determined by using a method such as pattern recognition. As a result, the personal information file 11
If it is determined that the information has already been registered, a message indicating that the information has already been registered is displayed on the liquid crystal display panel 207a, and the processing of the new registration software is interrupted to return to the initial state. On the other hand, when it is determined that the recognition result has not yet been registered in the personal information file 11, the recognition result of the recognition device 21a is registered in the personal information file 11 as the data of the biological characteristic of the user α (S1).

Since the biological characteristic data of the user α is registered in the personal information file 11, the ID data of the user α is subsequently obtained by the cooperation of the user α and the financial institution or the credit company. Register in the information file 11. Registration of ID data is performed by a method using a card held by the user or a method of inputting data by the user himself. It is assumed that users who can use the system without restriction are those who have already signed a contract with a financial institution or credit company. Become.

Specifically, a screen as shown in FIG. 7 is displayed on the liquid crystal display panel 207a. When “input by card” is selected by the user α through the liquid crystal display panel 207a, the screen is switched to the screen in FIG.

For example, the user α puts the cash card of the financial institution J into the card reader 216 of the terminal 20a.
a, the data contained in the cash card is read by the card reader 216a. In addition, the scanner device 2 is operated by the user α according to the voice guidance.
When the seal is set on the 08a, the scanner device 208a
While the shape of the character or the like of the seal is recognized, the signature is recognized when the signature recognition input device 213a is signed. Then, data output from the card reader 216a or the like is input to the computer 10 as needed.

The personal identification number of the card may be input through the liquid crystal display panel 207a instead of the seal / sign or together with the seal.

When data output from the card reader 216a or the like is input, the screen of the liquid crystal display panel 207a is switched to that shown in FIG. Then, the input data (or a part thereof) is transmitted to the financial institution J which issues the cash card via the communication line 1, and thereafter, the ID data of the card holder transmitted from the financial institution J (here, the card holder ID data). The name of the card holder, date of birth, address, gender, account number, seal / sign, etc.) are received (S2).

Incidentally, between the administrator and the financial institution J, when the administrator transmits data or the like included in the cash card to the terminal j of the financial institution J, the financial institution J receiving the data, etc.
The ID data of the card holder held by the computer 1
0, and a contract has been made in advance to share the ID data of the card holder. A computer (not shown) of the financial institution J incorporates software for realizing this contract. That is, upon receiving data and the like included in the cash card issued by the financial institution J, the software is processed, and the received data and the like are searched for the ID data of the user having the institution, and the card holder The ID data is transmitted to the computer 10. This is the same for the credit company I and the like.

When the ID data of the card holder is received from the financial institution J in this way, the data such as the seal / signature included in the ID data and the data of the seal or the signature recognition of the user α recognized by the scanner device 208a. It is determined whether or not the data of the signature of the user α recognized by the input device 213a matches using a method such as pattern recognition (S3).

As a result, when it is determined that the two data do not match, a message such as "This card cannot be handled" is displayed on the liquid crystal display panel 207a, and then the processing of the new registration software is interrupted. Return to the state. On the other hand, when it is determined that the two data match, the ID data transmitted from the financial institution J is registered in the personal information file 11 assuming that the ID data belongs to the user α. Then, the ID data is displayed on the liquid crystal display panel 207a. FIG. 7 shows the screen at this time (S4).

When the user α inserts the credit card of the credit company I into the card reader 216a of the terminal 20a instead of the cash card, the computer 10 exchanges data with the credit company I instead of the financial institution J. The processing is exactly the same as above. In addition, when an information card such as a debit card or an IC card is used as well as a cash card or a credit card, the same processing as described above is performed.

When the screen of FIG. 7 is displayed on the liquid crystal display panel 207a and the user α selects “register another financial institution” (S5), the screen is displayed again in FIG. Returning, the same processing as above is performed (S2,
S3, S4). Although the identity verification has already been performed, when the user is dealing with a large number of financial institutions and credit companies, the contents of the ID data provided by the financial institution and the like are abundant, and various types of cards are used. You can use it to pay the fees necessary for commercial transactions,
In this respect, the usability of the user is improved.

On the other hand, when the user α selects “input by himself” through the liquid crystal display panel 207a while the screen in FIG. 7 is displayed on the liquid crystal display panel 207a, the screen is sequentially switched to that in FIG. . In this process, the name, account number, holder, etc. of the financial institution J is input by the user α through the liquid crystal display panel 207a, and the seal and / or signature of the user α is changed to the above through the scanner device 208a and the signature recognition input device 213a. Recognized similarly. Then, the input data (or part of it)
Is transmitted to the financial institution J of the cash card via the communication line 1. The subsequent processing is exactly the same as above (S2, S3, S4). It should be noted that the same processing as described above may be performed by inputting the name of the trading credit company, the user number, the holder, and the like, instead of the trading financial institution that the user trades.

Then, when "complete" is selected by the user α through the liquid crystal display panel 207a while the screen in FIG. 7 is displayed on the liquid crystal display panel 207a (S
5) The screen is switched as shown in FIG. When the password is input by the user α through the liquid crystal display panel 207a, the password is included in the ID data of the user α in the personal information file 11, and the screen is switched to that shown in FIG. 8 (S6).

When redo is selected by the user α, the process returns to the previous process. On the other hand, when confirmation is selected, the biological characteristics and ID data of the user α on the personal information file 11 are displayed on the liquid crystal display panel 207a. (Or some of them). FIG. 8 shows the screen at this time. Here, the face, voiceprint, retina, and the like of the user α are displayed as the biological characteristics of the user α in the upper part of the screen, and the state in which all of the ID data of the user α is displayed in the lower part is simply shown.

While the screen shown in FIG. 8 is displayed on the liquid crystal display panel 207a, the user .alpha.
When the cancel is selected through the 07a, all the data on the user α in the personal information file 11 is deleted, while if the user α confirms that there is no mistake in the ID data, the ID data of the user α and the biological data are deleted. The feature is finally registered in the personal information file 11 (S7).
Then, the new registration software ends, and the liquid crystal display panel 207a returns to the first screen.

Thus, the new registration of the user α is completed. The above-described new registration of a user can be similarly performed using not only the terminal 20a but also the terminals 20b to 20j. The same applies to the case where another user newly registers. That is, users α, β
.. Make new registrations using the terminals 20a to 20j. In this process, the ID data and biological characteristics of the users α, β... Are automatically registered in the personal information file 11 for each user. Is done.

When users α, β... Newly register,
If a cashier card or a credit card is prepared, it is not necessary to directly input the ID data to the terminal 20a or the like. Moreover, even if the user has forgotten the seal, new registration can be performed using only the signature, which is very convenient. On the other hand, at least at the time of new registration, the identity is confirmed using at least the user's seal or signature, and the highly reliable user ID data and biological characteristic data are registered in the personal information file 11.

In the above description, it is necessary that the user has already made a contract with any financial institution or credit company in order to make a new registration. However, a user who has not made such a contract is required. However, the system may be modified as shown below so that new registration can be performed.

Here, it is assumed that the user β has not made a contract with a financial institution or the like and intends to newly register using the terminal 20a. The computer 10 recognizes the seal, the signature, and / or the identification card of the user β through the scanner device 208a and the signature recognition input device 213a in the same manner as in the above example. Also, the scanner device 208a
When recognizing the identification card by using, the user α is prompted to input the type (a distinction between a driver's license, a health insurance card, a passport, etc.) through the liquid crystal display panel 207a. That is, since the identification card is standardized, it is possible to extract the content of the identification card and recognize it as ID data (name, date of birth, address, telephone number, gender, etc.) of the user β. Become. In particular, when the identification card is a driver's license or a passport, a face photograph is attached, and this is recognized as a face photograph of the user. When such data is input, it is determined whether or not the user β standing in front of the terminal 20a is the user himself or herself related to the identification card by the following processing.

First, the user's I extracted from the ID card
Since the address and telephone number are included in the D data, use the business database for address search / phone number search on the Internet or the like, and use the name and address included in the ID data and the name on the database. And whether the address and the address match. If a database of a public institution is available, the name and address are searched from the ID number included in the ID data to determine whether or not they match the name and address included in the ID data. May be determined. Further, the biological characteristics of the user β are stored in the personal information file 11 in exactly the same manner as in the above example.
Therefore, it is determined whether or not the face of the user β registered in the file matches the face photograph on the driver's license or passport by using a method such as pattern recognition.

Based on such a determination result based on a predetermined reference set in advance, it is finally determined whether the user β standing in front of the terminal 20a is the user himself or herself relating to the identification card. As a result, when the user β standing in front of the terminal 20a is not determined to be the user himself or herself related to the identification card, the new registration of the user β is rejected, while when it is determined that the user β is the user himself / herself, The ID data (including the password) and the biological characteristics of the user β are newly registered in the personal information file 11. This is exactly the same as the above example. However, since user β does not have a contract with a financial institution or credit company, it is natural that payment of fees required for commercial transactions will be paid only by cash, but the reliability of identity verification at the time of new registration is poor. Because it is undeniable, it is advisable to add some restrictions to the targets of commercial transactions.

Next, a description will be given of a process until the user α who has newly registered operates the terminal 20a and actually performs a commercial transaction. When the user α selects the business transaction through the liquid crystal display panel 207a, the computer 10
Process the commercial transaction software shown in (1).

First, the liquid crystal display panel 207a is switched to the screen shown in FIG. When a password is input by the user α through the liquid crystal display panel 207a (S
1) Switch to the screen shown in FIG. 9 and operate the recognition device 21a to recognize the biological characteristics of the user α, just like at the time of new registration, and input the recognition result (S2).

Then, after switching the liquid crystal display panel 207a to the screen shown in FIG. 9, the personal information file 11 is searched using the input password, and the biological information of the user having the same password registered in the file is retrieved. A logical feature is determined (S3). At this time, since the personal information file 11 is searched using the password, a quick search can be performed.

Then, whether or not the biological characteristics of the user obtained by searching the personal information file 11 match the biological characteristics of the user recognized by the recognition device 21a is determined by a method such as pattern recognition. A determination is made (S4).

As a result, when it is determined that the two biological characteristics do not match, the person standing in front of the terminal 20a is the user α.
If not, the liquid crystal display panel 207a is switched to the screen shown in FIG. 9, and the processing of the commercial transaction software is interrupted to return to the initial state.

On the other hand, when both biological characteristics match and the input password matches the password registered in the personal information file 11, the person standing in front of the terminal 20a is the user α, and And the biological characteristics and ID data of the user α registered in the personal information file 11 are displayed on the liquid crystal display panel 207a. FIG. 9 shows the screen at this time, which is the same screen as in FIG.

Further, although both biological characteristics are identical,
When the input password is different from the registered password, the liquid crystal display panel 207a is switched to the screen shown in FIG. When "end" is selected by the user α through the liquid crystal display panel 207a, the processing of the commercial transaction software is interrupted to return to the initial state, while when "re-input" is selected, the flow returns to step 1. The same processing as above is repeated (S5).

However, when the user α selects the commercial transaction following the new registration, the identity verification has been performed in the process of performing the new registration, so that the processing of steps 1 to 4 is omitted,
The screen shown in FIG. 9 is immediately displayed on the liquid crystal display panel 207a.

When the screen shown in FIG. 9 is displayed on the liquid crystal display panel 207a, the user α can select "service", "add registration", and "end" through the liquid crystal display panel 207a. ing. "Add registration" means that other financial institutions or credit companies
Is a function to register in the personal information file 11 as usable. When "Add registration" is selected (S6),
The same process as “registration of another financial institution” at the time of new registration is performed (S7), and when “end” is selected, the process of the commercial transaction software is interrupted and the process returns to the initial state.

The user α looks at the screen shown in FIG. 9 displayed on the liquid crystal display panel 207a, confirms that the data is his / her own ID data, etc., and selects “service” through the liquid crystal display panel 207a. The display panel 207a is switched to the screen of FIG. 10 so that a quotient code can be input. The quotient code is a coded content of the commercial transaction. The list is described in a booklet or the like provided on the terminal 20a or the like.

The user α is transmitted through the liquid crystal display panel 207a.
When the commercial code is input by the user, the commercial code is transmitted to the partner of the commercial transaction partner via the communication line 1 as an intention display (here, an application for commercial transaction) relating to the commercial transaction of the user α. Also, when the content of the commercial transaction indicated by the quotient code needs to specify the user name,
For example, in the case of a reservation for a commercial transaction, a rental of a product, a lease, or the like, the ID data (name, address, telephone number, etc.) of the user α registered in the personal information file 11 is also transmitted.

Then, assuming that the partner has accepted the application for the commercial transaction of the user α, the data such as the name of the product or service corresponding to the commercial code transmitted from the partner and the charge thereof are received via the communication line 1. Then, the data is registered in the business content information file 12 for each business partner, while data such as the name of the product or service, its fee, and the business partner are displayed on the liquid crystal display panel 207a. FIG. 10 shows the screen at this time.

If a message that the user α refuses the current application for commercial transaction is received from the partner, the fact is displayed on the liquid crystal display panel 207a, the processing of the commercial transaction software is interrupted, and the first Return to the state (S8).

The user α is transmitted through the liquid crystal display panel 207a.
When "Confirmation" is selected, the application for the commercial transaction of the user α is confirmed at this time. On the other hand, when "cancel" is selected, the process returns to the previous step.

When the application for the commercial transaction of the user α is confirmed, the liquid crystal display panel 207a is switched to the screen shown in FIG. Through the liquid crystal display panel 207a, the user α can freely select a method of paying a fee required for a commercial transaction (S9).

When "cash" is selected by the user α, a cash payment subroutine as described below is processed.

First, the liquid crystal display panel 207a is switched to the screen shown in FIG. At this time, data such as the name of the product or service, its fee, and partner are also displayed. Then, the coin slot 202a and the bill slot 203a are opened. When a charge required for the current transaction is inserted into the coin slot 202a and the bill slot 203a by the user α, the coin slot 202a and the bill slot 203a are opened. The entered amount is also displayed on the screen of the liquid crystal display panel 207a. When there is change, the banknote take-out port 204a and the take-out port 205a for coins and the like are opened and returned to the user α. The liquid crystal display panel 2
When "cancel" is selected through 07a, the entire amount of the input fee is returned.

When the cash payment of the fee required for the current business transaction of the user α is completed in this way, the fact is transmitted to the partner of the business transaction partner via the communication line 1.

It is assumed that the application for the commercial transaction of the user α is the purchase of a ticket such as a movie to the partner A of the ticket sales company, and the ticket can be printed by the printer in the terminal 20a. When the terminal 30a of the partner A receives the contents of the application for the commercial transaction of the user α transmitted from the computer 10, the user α
A contract between the client and the partner a is established. Along with the conclusion of this contract, a loan relationship arises between the user α and the partner a. However, since the payment by the user α has been completed, only the obligation to pass the ticket of the partner A to the user α remains. Become. Since the terminal device 20a can print the ticket and pass it to the user, the terminal device 20a has a function of realizing the contents of the debt of the partner A.

The fact that the cash payment of the fee necessary for the current transaction of the user α is completed is transmitted to the partner A, and the partner A is notified.
When the printer receives the print information and the like of the ticket (instruction for exhibiting the function of the terminal 20a capable of realizing the contents of the debt of the partner A) transmitted through the communication line 1, the printer in the terminal 20a is operated accordingly. Then, the ticket is printed and discharged from the printout port 206a. Then, the liquid crystal display panel 207a is switched to the screen in FIG. When the ticket is printed and discharged by the terminal device 20a, the contents of the debt to the user α of the partner A are realized. At the point in time when the administrator pays the fee deposited from the user α to the partner A online, all the debt relationships disappear.

When “YES” is selected by the user α through the liquid crystal display panel 207a while the screen shown in FIG. 11 is displayed on the liquid crystal display panel 207a, the printer in the terminal 20a is operated to execute the specification. Is printed out from the printout port 206a, and the cash payment subroutine ends. On the other hand, if "NO" is selected by the user α, the process of the cash payment subroutine ends without operating the printer (S10).

When the processing of the cash payment subroutine ends, the processing of the commercial transaction software ends, and the liquid crystal display panel 207a is switched to the first screen.

Next, when "cash card" is selected by the user α, a cash card payment subroutine as described below is processed.

First, the liquid crystal display panel 207a is switched to the screen shown in FIG. At this time, data such as the name of the product or service, its fee, and partner are displayed. in addition,
The ID data of the user α in the personal information file 11 is read, and the name and the like of the registered financial institution included therein are displayed.

The user α is transmitted through the liquid crystal display panel 207a.
When the financial institution J is selected and “Confirmation” is similarly selected, the data (including the password in some cases) of the financial institution J, such as the name and account number, included in the ID data of the user α is The information is transmitted to the financial institution J via the communication line 1 together with the amount necessary for the commercial transaction. When "cancel" is selected through the liquid crystal display panel 207a, the processing of the cash card payment subroutine is interrupted.

Thereafter, upon receiving, via the communication line 1, a notification that the card payment of the user α has been transmitted from the financial institution J, the fact is transmitted to the partner A via the communication line 1. Then, the print information of the ticket transmitted from the partner A (the terminal 20a capable of realizing the contents of the debt of the partner A)
Is received via the communication line 1, the printer in the terminal 20a is operated in accordance with the instruction to print the ticket, and the ticket is discharged from the printout port 206a. After that, the same processing as the cash payment subroutine is performed, such as displaying the screen shown in FIG. 11 on the liquid crystal display panel 207a. In this case, when the administrator pays the fee deposited from the user α through the financial institution J to the partner A online, all the debts and obligations disappear.

On the other hand, the user α transmitted from the financial institution J
Is received via the communication line 1 to the effect that the card payment is refused. After the message "cannot be handled" is displayed on the liquid crystal display panel 207a, the cash card payment subroutine ends (S11).

Next, when "credit card" is selected by the user α, a subroutine for credit payment as described below is processed. This is similar to the cash card payment subroutine.

First, the liquid crystal display panel 207a is switched to a screen similar to that in FIG. At this time, data such as the name of the product or service, its fee, and partner are displayed. In addition, the ID of the user α in the personal information file 11
The data is read, and the names and the like of the registered transaction credit companies included in the data are displayed.

The user α is transmitted through the liquid crystal display panel 207a.
When the credit company I is selected and "Confirmation" is selected in the same manner, data such as the user number of the credit company I included in the ID data of the user α (including a password in some cases) is included in the commercial transaction. The necessary amount is transmitted to the credit company I via the communication line 1.
When "cancel" is selected through the liquid crystal display panel 207a, the processing of the credit card payment subroutine is interrupted.

Thereafter, upon receiving, via the communication line 1, that the credit card I has been accepted for the card payment of the user α transmitted from the credit company I, the partner A is notified via the communication line 1
Send to Then, when the print information of the ticket transmitted from the partner A is received via the communication line 1 (an instruction to exercise the function of the terminal 20a capable of realizing the contents of the debt of the partner A), the terminal 20a Activate the printer inside to print the ticket and print out 20
6a. After that, the liquid crystal display panel 207
For example, a screen shown in FIG. 11 is displayed on a, and the processing is exactly the same as the cash payment subroutine. In this case, the administrator pays the fee deposited by the user α from the user α through the credit company I to the partner A online, and thereafter, when the user α has paid the credit company I, all the debts and obligations are extinguished.

On the other hand, upon receiving, via the communication line 1, that the card payment of the user α has been rejected from the credit company I, the fact is transmitted to the partner A via the communication line 1. After the message "cannot be handled" is displayed on the liquid crystal display panel 207a, the credit card payment subroutine ends (S12).

Next, when "COD" is selected by the user α, a cash-on-delivery settlement subroutine having the contents described below is processed. “Cash on delivery” is used when the location where the product or service is provided is the user's home or the like, and the user desires to pay a fee at the same time as receiving the product or the like. That is, when "cash on delivery" is selected by the user α, the ticket sold by the partner A is delivered to the home by home delivery or the like.

First, the liquid crystal display panel 207a is switched to the screen shown in FIG. At this time, data such as the name of the product, its fee, and partner A are displayed. In addition, it reads out the ID data of the user α on the personal information file 11 and displays the name, address and the like included in the ID data. When "cancel" is selected by the user α through the liquid crystal display panel 207a, the fact is transmitted to the partner A via the communication line 1, and the processing of the cash-on-delivery subroutine is interrupted.

On the other hand, if "confirmation" is selected by the user α through the liquid crystal display panel 207a assuming that the displayed fee and destination are correct, the fact is transmitted to the partner A via the communication line 1. After that, the liquid crystal display panel 20
The screen shown in FIG. 11 is displayed on 7a, and when "YES" is selected by the user α via the liquid crystal display panel 207a, the printer in the terminal 20a is operated to print the statement, and then the printout port 206a From the
The processing of the cash-on-delivery settlement subroutine ends. On the other hand, if "NO" is selected by the user α, the processing of the cash-on-delivery settlement subroutine ends without operating the printer (S13).

In this case, when the ticket sold by the partner A is delivered to the user α's home or the like, and the user α pays the price at the same time as the receipt, the entire relationship between credit and debt disappears.

When the processing of the cash-on-delivery settlement subroutine ends, the processing of the commercial transaction software ends.
The liquid crystal display panel 207a is switched to the first screen. When the users α, β,... Have traded with the partners A, B,... Through the terminals 20b,.

The design may be changed as follows. For example, when the user α conducts a business transaction with the partner A, the personal information file 11 is searched using the recognition result of the recognition device 21a provided in the terminal 20a without inputting the password to the terminal 20a. Alternatively, identity verification may be performed. That is, when the biological characteristics of the user α output from the recognition device 21a are input, the computer 10 searches the personal information file 11 and searches for a user having the same biological characteristics registered in the file. The user is determined to be the commercial entity, and the intention of the user α is transmitted to the partner A, which is the commercial partner.

When the user α pays for the commercial transaction by “payment by cash card” or “payment by credit card”, instead of inputting the password, the card reading device 216a provided in the terminal 20a has the cash card, The design may be changed so that an information card such as a credit card is set. That is, when the information card issued by the financial institution or the like is set in the terminal A, the computer 10 transmits the account number and the like included in the ID data of the user α who has been authorized as the commercial entity to the financial institution. On the other hand, when the information card issued by the credit company is set, the user number included in the ID data of the user α is transmitted to the credit company. Subsequent processing is exactly the same as in the above example.

When the content of the intention display related to the commercial transaction inputted by the user α through the terminal 20a changes, the terminal 10a, the computer 10, and the terminal 30a.
It goes without saying that the exchange of data between-and-will change. For example, after the user α purchases a ticket for the partner A by “cash on delivery”, the terminal α
When the intention indication such as cancellation or change is input through..., The computer 10 transmits the information to the partner A. When a penalty or the like (a separate fee required in connection with the commercial transaction besides the fee required for the commercial transaction) is generated due to the cancellation or the like, a contract between the user α and the partner A is generated. , The data of the account number and fee of the user α are transmitted to the financial institution J or the credit company J of the user α. In this case, it is very convenient because the penalty or the like is debited with a card only when the user α indicates intention to cancel or the like, which is very convenient for the partner A.

In the above example, an example has been described in which a ticket is printed using a printer provided in the terminal device 20a and the ticket is supplied to the user α. However, various other examples are possible.

For example, a DVD, MD, C
A recording device for recording information such as video, music, game software, news, and books distributed from a business partner on a recording medium such as D is provided. That is, when the user α makes an application for provision of images and the like to a partner that distributes images and music through the terminal device 20a, the computer 1
0 confirms the identity, etc., in exactly the same way as in the above example, transmits the fact to the partner, and sends the user α transmitted from the partner.
Is received, the recording device of the terminal 20a is operated in order to realize the contents of the debt of the partner.

For a recording medium such as a DVD in which data can be easily rewritten, the user α writes his / her own MD or the like to the terminal 20.
a, and the desired video and the like distributed from the partner are set on the DVD set by the user α.
And so on. On the other hand, for a storage medium such as a CD in which data is difficult to rewrite, the terminal 2
It is preferable to hold a CD or the like in which no data is written in 0a, record a desired video or the like distributed from the partner on the CD or the like, and supply the user to the CD or the like.

Further, the function of realizing the contents of the debt of the partner, which is the business partner of the user, is provided by the terminal 20 as in the above example.
Instead of a, the device connected to the terminal 20a may be provided. For example, a CD as shown in FIG.
An automatic rental apparatus 200 having a function of supplying rental products such as DVD, MD, CDR, and video to the user and a function of collecting rental products returned from the user is connected to the terminal 20a. The terminal 20a is not shown in FIG.

The housing 21 of the automatic rental device 200
In FIG. 0, various types of rental products A prepared in advance are put, and a transparent glass 211, a product slot 212 and an operation panel 213 are provided on the front surface thereof. Inside the housing 210, the rental product A placed at a predetermined position is transported to the product slot 212, while the rental product A placed in the product slot 212 is conversely conveyed.
A transport mechanism 220 for returning the image to a predetermined position is provided. The in product loading and unloading opening 212 has a sensor 230 for reading a bar code affixed to the outer surface of the rental product A is attached.

Inside the automatic rental device 200, there is provided a computer (not shown) under the control of the computer of the terminal 20a. While the data output from the operation panel 213 and the sensor 230 is input to the computer, the computer outputs data for controlling the transport mechanism 220 and the product entrance 212.

Here, it is assumed that partner A is a company that handles rental products, and user α is already a member of partner A. Note that the user α can also apply for membership of the partner A through the terminals 20a.

First, when an application for rental is inputted by the user α through the terminal 20a, the computer 1
No. 0 performs identity verification in the same manner as in the above example, and then transmits to the partner A that the rental application has been made, together with the ID data of the user α. Then, upon receipt of the acceptance of the application transmitted from the partner A, the user A pays the fee necessary for the rental through the terminal 20a in the same manner as in the above example. Send to Thereafter, upon receiving the rental product supply command transmitted from the partner A, the automatic rental device 200 is operated through the terminal 20a (rental product supply function).
Then, the automatic rental device 200 operates as follows.

When the user α specifies the rental product X through the operation panel 213, the automatic rental device 20
The computer in 0 operates the transport mechanism 220 to transport the rental product X to the product slot 212. As a result, the rental product X is
Is conveyed, the bar code attached to the data is read by the sensor 230, and the data is transmitted to the computer 10 through the computer of the terminal 20a. The computer 10 transmits the ID data of the user α and the barcode data of the rental product X to the partner A. As a result, the computer of the partner A automatically records in the management file that the rental product X was supplied to the user α in what year, month, and day.

After that, when the user α inputs that he / she wants to return the rental product via the terminal 20a, the computer 10 confirms the identity in the same manner as in the above example, and then the ID of the user α that the user wants to return the rental product. The data is transmitted to the partner A together with the data. As a result, the computer of the partner A grasps the rental status of the user α with reference to the management file, and if there is no delay in returning the rental product X, the computer A rents the rental product along with the barcode data attached to the rental product X. Send a product collection order. When the computer 10 receives such data and the like, the terminal 2
The automatic rental device 200 is operated through the line 0a (rental product collection function). Then, the automatic rental device 20
0 operates as follows.

When the user α puts a rental product into the product slot 212, the sensor 230 reads a bar code attached to the rental product. The barcode data read by the sensor 230 is transmitted to the computer 10 through the computer of the terminal 20a.
The computer 10 determines whether or not the barcode data read by the sensor 230 matches the barcode data transmitted from the partner A. When the barcode data matches, the rental product X is returned by the user α. in together and send that to the partner a has to operate the transport mechanism 220 in order to convey the rental product X from the product loading and unloading opening 212 to a predetermined position. On the other hand, when the two data do not match, the fact is transmitted to the partner A while the terminal 20
The message "This product cannot be received" is displayed on the display panel 207a of a.

If the return of the rental product X of the user α is delayed, the computer of the partner A transmits a request to pay the delinquent money according to the number of days of the delay. When the computer 10 receives the notification, the computer 10 transmits the notification to the terminal 10a and displays on the display panel 207a or the like of the terminal 20a a message stating that "the rental period of this product has passed, so please pay the arrears." Or make a voice output).

When the payment of the arrears is made by the user α through the terminal device 20a in the same manner as in the above example, the computer 10 transmits to the partner A that the payment of the arrears is completed, and Sends a message to collect rental goods. In response, the computer 10 activates the automatic rental device 200 through the terminal 20a (rental product collection function). After that, it is exactly the same as above.

Here, an example has been described in which the user α returns the rental product X using the terminal 10a to which the rental application has been made. However, as long as a similar automatic rental device is connected, the terminal 10b. And the like, it is possible to return the rental product X.

If the computer of the partner A does not return the rental product X after a predetermined number of days, the computer of the partner A applies for the rental of the user α in accordance with the contract between the user α and the partner A. Is changed to a lease application, and data such as the account number of user α and the amount of the difference are transmitted to the financial institution J or the credit company J of user α. In this case, the rental product X is treated as a lease product, and the difference is deducted with a card, which is very convenient for the partner A.

In the case of the electronic commerce system configured as described above, the users α, β,.
It is possible to conduct commercial transactions with partner companies A, B,. In addition, if a new registration is made in the computer 10, it is possible to pay a fee necessary for a commercial transaction without bringing cash or a credit card, which is very convenient.

Since identity verification, which is indispensable for this kind of electronic transaction, is performed by recognizing biological characteristics such as the user α, an accuracy close to 100% can be obtained, and the security of the entire system can be obtained. And its reliability is greatly improved, which greatly contributes to the spread of electronic commerce. Moreover, since the authentication accuracy of the person is extremely high, even if the person does not have a card, such as a child, or the person who does not have a card, such as a housewife, there is no restriction on the transaction target. As another problem, the system can be used, and this also contributes greatly to the spread of electronic commerce.

If the terminal 20a... Is designed to be able to provide various kinds of products or services, or if the external device of the terminal 20a. The system can be applied to various fields and can greatly contribute to the spread of electronic commerce.

Are not limited to large terminals installed in stores or the like, but may be home PCs, telephones, game machines, etc. as long as they can be connected to the computer 10 through a telephone line or the like. It doesn't matter. In this case, a digital camera, a microphone, or the like connected to a personal computer or the like may be used as the recognition device. Also, if you connect a card reader to a personal computer, etc.,
It becomes possible to pay the fee necessary for commercial transactions by card.

In addition, the terminals 20a are not limited to fixed terminals, and can be applied to mobile telephone radios such as mobile phones. When the microphone of the mobile phone is used as a recognition device for recognizing a user's voiceprint, or when a camera is provided, this is used as a recognition device for recognizing a user's skeleton, face, or fingerprint. good. Since such a microphone or camera is installed in a mobile phone from the beginning, it is possible to reduce the cost, which is of great significance in promoting this type of system. Further, when the mobile telephone wireless device is provided with a scanner or the like for recognizing a fingerprint or the like for confirming the identity, it is preferable to use this as a recognition device.
In this case, the same advantages as described above can be obtained.

It is unavoidable that the accuracy of recognizing the biological characteristics of the user will be reduced only by the microphone and the camera provided in the mobile telephone radio, but in this case, the speaker of the mobile telephone radio is not used. The following recognition device may be provided in the vicinity. That is, the device comprises a light for illuminating the inner ear and the like, a CCD camera and the like for photographing the auricle, etc., and photographing the shape of the user's auricle or a blood vessel pattern in the eardrum or its vicinity, and applying this to the biological It has a basic configuration that is recognized as a feature. If such a recognition device is provided in a mobile telephone radio, the accuracy of recognition of a biological feature of a user can be dramatically improved, and it is no different from a fixed device. Similar advantages are obtained when a mobile phone radio having the scanner is used or when the scanner is externally connected to the mobile phone radio.

[0129] Such a mobile telephone radio can be used not only for simply inputting an intention display relating to a commercial transaction through operation keys, but also for realizing the contents of debts of a commercial partner. For example, if a recording medium such as a memory stick or a memory card is detachably attached to the mobile telephone radio, information such as video, music, game software, news, and books distributed from a business partner to the storage medium as in the above example. Can be recorded.
If an external device is connected to the mobile telephone radio, the applicable range can be expanded. For example, if a printer or the like is connected, it is possible to print information such as news distributed from a business partner.

The electronic commerce system of the present invention is not limited to the above-described embodiment. For example, the recognition device may be configured to externally recognize the biological characteristics of the user required to identify the subject of the business transaction. Anything can be used as long as. In addition, the same applies to the configuration of the terminal, and the function of simply transmitting a user's intention related to the commercial transaction to the commercial partner may be used.

[0131]

As described above, in the case of the electronic commerce system according to the first, second or third aspect of the present invention, a basic configuration in which the personal identification necessary for conducting the electronic commerce is recognized by recognizing the biological characteristics of the user. As a result, the security and reliability are significantly improved as compared with the related art, which greatly contributes to the spread of electronic commerce.

In the case of the electronic commerce system according to claim 4 or 5 of the present invention, the camera and the microphone provided in the mobile telephone radio as the terminal are used as the recognition device, so that the cost can be reduced. There is a merit in aiming at.

In the case of the electronic commerce system according to claim 6 of the present invention, the personal information file in which the biological characteristics of the user are registered is searched using the password input by the user. The information file can be searched quickly, and the processing can be speeded up.

In the case of the electronic commerce system according to claim 7 of the present invention, since the user can pay the fee required for the commercial transaction in cash using the terminal, the user can apply for the commercial transaction following the application. In addition, there is an advantage that the fee can be paid in cash, and the usability is good.

In the electronic commerce system according to the eighth, ninth, tenth or eleventh aspect of the present invention, the structure is such that a user can pay a fee necessary for a commercial transaction by using a card or the like using a terminal. Subsequent to the application for a commercial transaction, the fee can be paid by a card or the like, which is advantageous in that it is easy to use.

According to the electronic commerce system of the twelfth aspect of the present invention, when another party needs another fee in connection with the user's commercial transaction, the payment of the fee can be withdrawn by card. So
It is very convenient not only for users but also for business partners.

In the case of the electronic commerce system according to the thirteenth or fourteenth aspect of the present invention, when a user performs a new registration, it is only necessary to prepare a cash card or the like.
The system does not require data entry, so even people who are unfamiliar with data entry can make full use of the system, which will also greatly contribute to the spread of electronic commerce. .

[0138] Claims 15, 16, 17, 18, of the present invention
In the case of the electronic commerce system according to 19, 20, or 21, since it is configured to be able to provide goods or services constituting the contents of the commercial transaction through a terminal or a device connected to the terminal, it is very difficult for the user. It is convenient.

In the electronic commerce method according to claim 22 of the present invention, since the electronic commerce is performed using the above-described electronic commerce system, there are the same advantages as described above.

[Brief description of the drawings]

FIG. 1 is a diagram for explaining an embodiment of the present invention, and is a configuration diagram of an electronic commerce system.

FIG. 2 is a partially omitted front view of a terminal for new registration of the system.

FIG. 3 is a diagram showing an operation panel of the terminal.

FIG. 4 is a partially omitted front view of a terminal for commercial transactions.

FIG. 5 is a flowchart of software for new registration of a computer which is a center of the system.

FIG. 6 is a flowchart of commercial transaction software of the computer.

FIG. 7 is an explanatory diagram showing transition of a screen of a liquid crystal display panel of the terminal, and the like.

FIG. 8 is another explanatory diagram showing transition of a screen of a liquid crystal display panel of the terminal.

FIG. 9 is another explanatory diagram showing a transition of a screen of a liquid crystal display panel of the terminal.

FIG. 10 is another explanatory diagram showing transition of a screen of a liquid crystal display panel of the terminal.

FIG. 11 is another explanatory diagram showing transition of a screen of a liquid crystal display panel of the terminal.

FIG. 12 is a view for explaining a modification of the system, and is a front view of an automatic rental device connected to a terminal.

[Explanation of symbols]

 10 Computer 11 Personal Information File 20a-20j Terminal 21a-21j Recognition Device

Claims (22)

[Claims] At least one terminal is connected to a computer via a communication line / telephone line, and when a user inputs an intention display relating to a commercial transaction through the terminal, the computer is connected to the terminal. In an electronic commerce system for transmitting an intention display to a business partner, the terminal or a device connected to the terminal has a recognition for externally recognizing a biological characteristic of a user necessary for specifying an entity of the business. When the personal information file of the computer is pre-registered with ID data and biological characteristics of a plurality of users, the computer reads the biological information of the user output from the recognition device. When the characteristic feature is input, the personal information file is searched,
Electronic commerce characterized in that the user having the same biological characteristics registered in the file is recognized as the subject of the commercial transaction, and a statement of intention related to the commercial transaction is transmitted to the commercial transaction partner. system. 2. The electronic commerce system according to claim 1, wherein the recognition device includes a skeleton, a face, a voiceprint,
It is configured to recognize handwriting, fingerprint, retina, iris, palm shape, skeleton or its blood vessel pattern, finger joint, auricle shape, blood vessel pattern on or near eardrum, DNA, and combinations thereof. Characterized e-commerce system. 3. The electronic commerce system according to claim 1, wherein a mobile telephone radio, a telephone, a personal computer, or a game machine is used as said terminal. 4. The electronic commerce system according to claim 1, wherein the terminal is a mobile telephone radio, wherein the mobile telephone radio is provided as a recognition device for recognizing a skeleton, a face or a fingerprint of the user. An electronic commerce system characterized by using a camera. 5. The electronic commerce system according to claim 1, wherein the terminal is a mobile telephone radio, and a microphone provided in the mobile telephone radio as a recognition device for recognizing the voiceprint of the user. An electronic commerce system characterized by use. 6. The electronic commerce system according to claim 1, wherein a user ID registered in said personal information file.
When the password is included in the data, when the password is input by the user through the terminal, the computer searches the personal information file and searches for the biological information of the user having the same password registered in the file. And determining whether or not the biological feature matches the recognition result of the recognition device.If the biological feature matches, the user is identified as the commercial entity. E-commerce system. 7. The electronic commerce system according to claim 1, wherein the terminal or a device connected to the terminal includes a cash receiving device, and the computer comprises:
An electronic commerce system, wherein when the user makes a cash payment of a fee required for the commercial transaction through the cash receiving device, the fact is transmitted to the commercial transaction partner. 8. The electronic commerce system according to claim 1, wherein the terminal or a device connected to the terminal includes an information card such as a cash card, a debit card, or an IC card issued by a financial institution or the like. A card reader for reading data is provided, and the computer, when the information card is set in the card reader, causes the computer to execute a transaction financing included in the ID data of a user who has been recognized as a commercial entity. The account number of the institution and the fee required for the commercial transaction are transmitted to the transaction financial institution, and thereafter, when the receipt of the card payment of the user transmitted from the transaction financial institution is received, the fact is notified to the commercial transaction partner. An electronic commerce system, which is configured to transmit. 9. The electronic commerce system according to claim 1, wherein the terminal or a device connected to the terminal reads data contained in an information card such as a credit card, an IC card, or the like issued by a credit company. A reading device is provided, and when the information card is set in the card reading device, the computer reads the user number of the transaction credit company included in the ID data of the user who has been identified as a commercial transaction entity and the business transaction. The necessary fee is transmitted to the transaction credit company, and thereafter, when it is received from the transaction credit company that the credit payment of the user is approved, the fact is transmitted to the commercial transaction partner. E-commerce system. 10. The electronic commerce system according to claim 1, wherein the computer sends the account number of the transaction financial institution included in the ID data of the user who has been recognized as a commercial transaction entity and the fee required for the commercial transaction to the financial institution. An electronic commerce system is configured to, upon receiving from the transaction financial institution that the user has accepted the card payment of the user, transmit the effect to the commercial transaction partner. 11. The electronic commerce system according to claim 1, wherein the computer sends a user number of a transaction credit company included in ID data of a user who has been recognized as a commercial entity and a fee required for the transaction to the financial institution. An electronic commerce system is configured to, upon receipt of a notice from the trading financial institution that the user has paid for the credit, to transmit the notice to the trading partner. 12. The electronic commerce system according to claim 10, wherein the computer, when receiving from the commercial transaction partner that another fee is required in connection with the user's commercial transaction, Transmitting the account number of the transaction financial institution and the fee included in the ID data of the transaction credit institution to the transaction credit institution or transmitting the user number and the fee of the transaction credit company included in the ID data of the user to the transaction credit institution; Thereafter, when receiving a notice from the transaction financial institution or the transaction credit company that the card payment of the user has been accepted, the fact is transmitted to the transaction, so that the electronic commerce system is configured. 13. The electronic commerce system according to claim 8, 9, 10, 11, or 12, wherein the terminal or a device connected to the terminal includes a seal / sign reading device that recognizes a seal and / or a signature. When the user newly registers using the terminal before performing the commercial transaction, the computer reads the data included in the information card when the data is read by the card reading device. The information card is transmitted to the transaction financial institution or transaction credit company, and thereafter, when the user ID data is received from the financial institution or the like, the I
Seal and / or signature data included in the D data,
It is determined whether or not the user's seal and / or signature data read by the seal / sign reading device matches, and when they match, the received ID data and the user's user recognized by the recognition device are recognized. An electronic commerce system, wherein a biological feature is registered in the personal information file. 14. The electronic commerce system according to claim 8, 9, 10, 11, or 12, wherein the terminal or a device connected to the terminal includes a seal / sign reading device that recognizes a seal and / or a signature. When the user newly registers using the terminal before performing the commercial transaction, the computer reads the data included in the information card when the data is read by the card reading device. The information and the data of the seal and / or signature recognized by the seal / sign reading device are transmitted to the transaction financial institution or the transaction credit company of the information card, and thereafter, the seal and / or the signature are registered with the transaction financial institution or the like. When the user ID data transmitted from the financial institution or the like is received as matching the An electronic commerce system, wherein D data and biological characteristics of the user recognized by the recognition device are registered in the personal information file. 15. The electronic commerce system according to claim 1, wherein the terminal or a device connected to the terminal has a function capable of realizing the contents of a debt of a business partner generated by the establishment of the business transaction. The computer, after transmitting a statement of intention related to the commercial transaction to the trading partner, and receiving, from the trading partner, a notification that the commercial transaction has been accepted, the trading partner generated by the establishment of the commercial transaction through the terminal or the like. An e-commerce system characterized in that it is configured to realize the contents of debts. 16. The electronic commerce system according to claim 15, wherein the terminal or a device connected to the terminal has a function of supplying a prepared product for sale to the user. An electronic commerce system, wherein the computer is configured to perform the functions of the terminal and the like in realizing the contents of the debt of the business partner. 17. The electronic commerce system according to claim 15, wherein the terminal or a device connected to the terminal has a function of supplying a rental product or a lease product prepared in advance to the user. An electronic commerce system, wherein the computer is configured to perform the functions of the terminal and the like in realizing the contents of the debt of the business partner. 18. The electronic commerce system according to claim 17, wherein the terminal or a device connected thereto has a function of collecting a rental or leased product returned from the user. A configuration in which, when the user inputs through the terminal that the user wants to return a rental product or a leased product, the computer activates the product collection function of the terminal and the like, and transmits the effect to the business partner. An electronic commerce system characterized by becoming. 19. The electronic commerce system according to claim 18, wherein when the user inputs through the terminal that the user wants to return the rental or leased item, the computer transmits the input to the commercial partner. Thereafter, upon receiving from the business partner that the return of the rental product or the like is delayed and demanding payment of the delinquent money, the user is notified or output through the terminal and the device connected thereto. Receiving, from the commercial transaction partner, a notice of collecting rental or leased goods assuming that payment of the late payment has been made by the user, the merchandise collecting function of the terminal or the like is performed. E-commerce system. 20. The electronic commerce system according to claim 15, wherein the terminal or a device connected thereto includes a video, a music, a game software, a video, a music, and a game distributed from the business partner on a recording medium set by the user. news,
It is configured to have a function of recording information such as books, and the computer is configured to exert the functions of the terminal and the like in realizing the contents of debt of the business partner. E-commerce system. 21. The electronic commerce system according to claim 15, wherein the terminal or a device connected thereto prepares in advance information such as video, music, game software, news, and books distributed from the business partner. It is configured to have a function of supplying the recording medium to the user by causing the computer to record the recording medium,
An electronic commerce system, wherein the functions of the terminal and the like are exercised in realizing the contents of the debt of the commercial transaction partner. 22. The method of claim 15, 16, 17, 18, or 1.
In the electronic commerce method using the electronic commerce system according to 9, 20, or 21, when a user makes an application for a commercial transaction through the terminal, the recognition device recognizes a biological feature of the user, and the computer Searching for the personal information file, certifying that the user having the same biological characteristics registered in the file is the application subject of the commercial transaction, transmitting the content of the user's commercial application to the commercial transaction partner, Thereafter, upon receiving a notification from the commercial transaction partner that the application for the commercial transaction has been accepted, the establishment of the commercial transaction is performed by the same or different terminal as the terminal to which the application for commercial transaction was made or a device connected thereto. E-commerce using an e-commerce system characterized by realizing the contents of the debt of the business partner generated by the引方 method.