JP2002042036A - Price settlement method for goods - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a price settlement method for goods that can reliably prevent a fraudulence in a shopping site 3 by preventing the leakage of credit card information through a communication network and a goods transaction route even when goods are purchased by online shopping by the use of a credit card. SOLUTION: A buyer 1 registers in advance user information including his/her own name A, address B and credit card number C in a customer information management company, and receives notice of ID D corresponding to the user information. In the process of a goods transaction, the user information of the buyer 1 is used after identified by the ID D, so that the card number C and the like are protected against leakage through a communication network to a third party, the shopping site 3 and home delivery service 4 and that the credit card can be protected against a fraudulent use.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment method for a product purchased and paid by a buyer using a credit card from a bank account.
More specifically, the present invention relates to a payment method for a product in which a credit card is debited in exchange for the delivery of the product.

[0002]

2. Description of the Related Art Generally, when purchasing a product through online shopping or the like, it is not possible to directly pay for the product, so card information such as a credit card number is notified to a shopping site (retail store, etc.) that provides the product. On the shopping site side, the product is delivered to the buyer, and the amount corresponding to the price of the product is deducted from the credit card using the notified card information.

However, in this method, there is a concern that the shopping site may abuse the buyer's card information, and there is a risk that only the price is illegally obtained using a credit card without delivering the product. Furthermore, since the card information is notified using a network, there is a risk that the information will be leaked to a third party and illegally used, which has been an obstacle to the spread of online shopping using a credit card.

Japanese Patent Laid-Open No. Hei 9-218896 proposes a method of preventing payment by a shopping site and preventing payment of card information to a third party.

[0005] Referring to FIG. 8, this conventional payment method for a product will be described. The credit card 100 of the buyer 200 has a private key and a public key unique to the buyer, and the public key is a credit card company. 400.

[0007] The buyer 200 creates an electronic signature at the time of ordering the product order using the secret key in the credit card 100 on the product order, and sends the digital signature to the retail store (shopping site) 300 together with the order via the communication network 800. And send it out.

[0007] The retail store 300 is a credit card company 4
Inquire the public key of the buyer 200 at 00, and if the electronic signature at the time of ordering can be authenticated, transfer the goods ordered by the buyer 200 to the courier company 500 and send it out. Via the communication network 800.

[0008] When the buyer 200 receives the ordered product from the courier company 500, the buyer 200 creates an electronic signature at the time of receipt using the secret key in the credit card 100 on the merchandise receipt, and delivers the delivered courier company 500 Pass to

Courier 500 authenticates the electronic signature at the time of receipt using the secret key output from credit card 100 of buyer 200, and then stores the product receipt and the electronic signature at the time of receipt at portable terminal 600 that owns it. To the credit card company 400.

[0010] The credit card company 400 authenticates the electronic signature at the time of order and the electronic signature at the time of receipt using the managed public key, and then performs the payment by debiting the price of the product from the bank account of the buyer 200.

[0011] According to this method of payment for goods, the credit card company 400 checks the validity of both the electronic signature at the time of ordering the goods and the electronic signature at the time of receipt of the goods, and then checks the validity of the buyer 200. Since the money is debited from the bank account, the retailer 300 has a credit card 100
Without knowing the card information or the electronic signature at the time of receiving the goods, fraudulent transactions at the retail store 300 can be prevented.

Since the electronic signature at the time of order and the electronic signature at the time of receipt are created using the private key and the public key in the credit card 100, a third party can use the communication network 800 to make the electronic signature at the time of order and the electronic signature at the time of receipt. Stealing a signature cannot be exploited.

[0013]

However, the above-mentioned conventional method of payment for goods requires that the digital signature be encrypted using a secret key and a public key, and the buyer must purchase and receive the goods in each case. It was troublesome and time-consuming to encrypt the electronic signature.

[0014] Further, the buyer writes the address and name of the buyer in an order form as a delivery destination of the product every time of online shopping.
It is necessary to send the data to the retail store 300, which is troublesome, and the retail store 300 or the communication network 8
00, personal information of the buyer's address and name was leaked to a third party, which could be abused.

The present invention has been made in view of such a problem. Even when a product is purchased by online shopping using a credit card, the credit card information is transmitted via a communication network or a product transaction route. Provided is a payment method for a product which does not leak and can surely prevent fraud by a shopping site.

[0016]

In order to solve the above-mentioned problems, according to the method of claim 1, the buyer pays at least the buyer's name (a), address (b) and credit card number (b). C) is registered in the customer information management company, the first step of receiving a notification of the ID (d) corresponding to the registered user information from the customer information management company, and the customer information management company is registered. A second step of notifying the courier of the buyer's name (a), address (b), and ID (d) corresponding to the user information included in the user information; and the buyer is notified at least by the customer information management company. A third step of notifying the shopping site of purchase information including the ID (d) and the product code (h) specifying the product desired to be purchased, and a shopper notified of the purchase information. ID of Sight is the total amount of the product specified by the product code (h) (g), transaction code generated in response to the purchase information and (f), included in the purchase information
(D) a fourth step of notifying the customer information management company to the customer information management company; a fifth step of notifying the buyer of the transaction code (f) generated by the shopping site in accordance with the purchase information; (F) and the ID (d) included in the purchase information
And the delivery of the product specified by the product code (h) and the delivery of the product.
Step and the courier checks the relationship between the buyer's name (a), address (b), and ID (d) corresponding to the user information notified in the second step, and receives the notification in the sixth step. 7th step of delivering the product by obtaining the buyer's name (a) and address (b) from the ID (d), and the card of the credit card received by the courier from the buyer when the product is delivered The number (c) and the transaction code (f) notified in the sixth step are input to the portable terminal owned by the courier company, and the eighth step is transmitted to the customer information management company; The transaction code (F)
In the fourth step, the mobile phone refers to the relationship between the ID (d) corresponding to the user information and the card number (c) included in the user information by matching any one of the transaction codes (f) notified from the shopping site, and The ID (d) obtained from the card number (c) transmitted from the terminal is the ID (d) notified in the fourth step together with the matching transaction code (f)
The customer information management company authenticates that the total amount (g) notified in the fourth step together with the matched transaction code (f) is settled using the buyer's credit card on the condition that they match each other. A ninth step and a tenth step of transmitting to the portable terminal that the customer information management company has authenticated the settlement using the credit card and notifying the home delivery company and the buyer are characterized by the following steps.

The user information including the card number is replaced with the corresponding ID, and in the transaction and distribution process of the commodity, the buyer is specified by the replaced ID, so that the card number is not leaked to any company other than the customer information management company.

Further, since the price of the product is settled using a credit card, online shopping becomes possible, and when ordering the product using the communication network, the card information is not transmitted. Card information is not leaked to three parties.

Since the price of the product is settled by using a credit card when the product is delivered, the shopping site has no omission in collecting the price, and the buyer has the money paid by the credit card. There is no chance that the product will not arrive.

According to the method of claim 2, the buyer registers user information including at least the buyer's name (a), address (b), and credit card number (c) with the customer information management company. Then, the first step of receiving a notification of the ID (d) corresponding to the registered user information from the customer information management company, the customer information management company checks the name (a) and address (a) of the buyer included in the registered user information. B)
And the second step of notifying the ID (d) corresponding to the user information to the courier company, the buyer receiving at least the ID (d) notified from the customer information management company, and the product specifying the product desired to be purchased. A third step of notifying the shopping site of the purchase information including the code (h), the shopping site notified of the purchase information, the total amount (g) of the product specified by the product code (h), and the purchase A transaction code (f) generated corresponding to the information and an ID (d) included in the purchase information are notified to the customer information management company.
Step, a fifth step of notifying the buyer of a transaction code (f) generated by the shopping site corresponding to the purchase information, and a transaction code (f) generated by the shopping site corresponding to the purchase information; ID included in information
(D) to the courier company, the sixth step of delivering the product specified by the product code (h), and entrusting the delivery of the product, and the courier company receiving the transaction code (f) notified from the shopping site. Step 7A for creating a package number (i) corresponding to ()) and attaching it to the goods to be delivered, and the courier company's name (a), address (b) and user The relationship with the ID (d) corresponding to the information is collated, and from the ID (d) notified in the sixth step, the buyer's name (a) and address (b)
And the 7B step of delivering the product, and when delivering the product, the courier sends the card number (c) of the credit card received from the buyer and the luggage number (ri) attached to the product, Enter on the mobile device owned by the courier,
Step 8A of transmitting to the customer information management company, and the package number (R) transmitted from the mobile terminal by the customer information management company
And the transaction code (f) notified in the ninth step is the fourth transaction code (f) that is notified of the transaction code (f) corresponding to the package number (i).
An ID (d) corresponding to one of the transaction codes (f) notified from the shopping site in step and corresponding to the user information and a card number (c) included in the user information
With reference to the relationship, the ID (d) obtained from the card number (c) transmitted from the mobile terminal matches the ID (d) notified in the fourth step together with the matched transaction code (f). On condition that customer information management company,
Step 9B of authenticating that the total amount (g) notified in the fourth step together with the matched transaction code (f) is settled using the buyer's credit card, and the customer information management company uses the credit card. And a tenth step of notifying the home delivery company and the buyer of the fact that the authentication of the payment made has been performed to the portable terminal.

The user information including the card number is replaced by the corresponding ID, and the buyer is specified by the replaced ID in the transaction and distribution process of the product, so that the card number is not leaked to a customer information management company. .

Even if the card number is leaked to the shopping site, the luggage number (i) which the shopping site cannot know is transmitted from the portable terminal to the card management company, and the settlement is authenticated. Even if a transaction code is generated assuming a transaction and the fraudulent product is illegally withdrawn from a credit card, the payment cannot be authenticated.

[0023] Further, since the price of the product is settled using a credit card, online shopping becomes possible, and card information is not transmitted when ordering the product using a communication network. There is no leakage of card information to the three parties.

Since the price of the product is settled by using a credit card when the product is delivered, the shopping site has no omission in collection of the price, and the buyer has the money paid by the credit card. There is no chance that the product will not arrive.

According to a third aspect of the present invention, in the first step, the buyer receives the password (e) together with the ID (d) corresponding to the user information from the customer information management company in the first step. Wherein the buyer uses the ID (d) and the password (e) notified by the customer information management company to notify purchase information to the shopping site via the communication network.

[0026] The buyer has an ID (d) and a password (e).
Is used to connect to a shopping site via a communication network, so that the connection of a third party who has not registered user information in the first step can be eliminated.

According to a fourth aspect of the present invention, in the fourth step, the customer information management company, which has received the notification of the total amount (g) of the product and the ID (d) included in the purchase information from the shopping site, , The card number of the credit card included in the user information corresponding to the ID (d) (c)
Therefore, the amount that can be settled with a credit card is compared with the total amount of goods (g), and the comparison result is notified to a shopping site.

The shopping site can check the ability of the buyer to pay by credit card before delivering the product.

According to a fifth aspect of the present invention, in the fourth step, the shopping site notifies the customer information management company of purchase information including a product code (h) for specifying the product in the fourth step. Stores the product code (h) of the purchase information in association with the user information corresponding to the ID (d) included in the purchase information every time a notification of the purchase information is received, and stores a large number of product codes (h) with the user. It is characterized in that a result of totaling information is notified to a shopping site as product purchase tendency information.

[0030] The shopping site can know the product purchase tendency information for each user information without introducing the buyer's user information to the shopping site and introducing a new system.

[0031]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a first embodiment of the present invention will be described with reference to FIGS.

In these figures, a shopping site 3 and a courier service 4 are one of a plurality of companies participating in the system according to the present embodiment, and a buyer 1 purchases at the shopping site 3 with a credit card. It is assumed that the financial institution 5 has an account for withdrawing the price of the product to be paid. The customer information management company 2 is a company entrusted by the financial institution 5 or the credit card management company to authenticate the buyer's 1 credit card settlement.

In the drawing, arrows indicated by broken lines indicate distribution routes of the products themselves, and arrows indicated by solid lines indicate transmission directions of information.

According to the present embodiment, a buyer 1 who wants to purchase a product sends a name (a), an address (b) and a credit card number (c) of the buyer 1 to a customer information management company 2 in advance. The user information management company 2 registers the user information including the user information (step S1).
(D) is notified to the buyer 1 and the user information is registered (step S2). The registration of the user information and the notification of the ID (d) may be performed online via a communication network formed between the buyer 1 and the customer information management company 2, but the card number (c) is transmitted from the communication network. May be registered and notified by mail so that the user information including is not leaked.

When the user information is registered, the customer information management company 2 transmits the user information among the registered user information in order to inform the delivery company 4 of the delivery destination of the commodities described later.
The name (a) and the address (b) of the user required for the delivery are notified to the home delivery company 4 together with the corresponding ID (d) created (step S3).

Once the user has registered as a user, the buyer 1 can use a credit card to purchase merchandise at any shopping site 3 that has joined the system without giving his card number (c). For example, when the buyer 1 purchases a product sold at a specific shopping site 3, the ID received from the customer information management company 2
(D) and the purchase information including the product code (h) of the product desired to be purchased is notified to the shopping site 3 (step S4).

In order to purchase the product, the buyer 1 connects the terminal of the buyer 1 to a Web page provided by the shopping site 3 on the Internet to disclose the product and provides the ID (d).
In this case, the shopping site 3 transmits the ID (d) in the format of the ID (d) issued from the customer information management company 2 by the present system. Can be identified as a connection from the buyer 1 registered as a user. Alternatively, the buyer 1 can go to the counter of the shopping site 3, select a product to be directly purchased, and transmit the ID (d) and the product code (h) of the product desired to be purchased to the shopping site 3 to purchase. .

The shopping site 3 receiving the notification of the purchase information from the buyer 1 creates a transaction code (f) corresponding to the purchase information, and specifies the transaction code (f) included in the purchase information and the product code (h). The customer information management company 2 is notified together with the total price (g) of the goods to be provided (step S).
5). This purchase notice enables the customer information management company 2 as a third party of the transaction to authenticate that the delivery destination is the buyer 1 who has registered the user information and made a purchase request at the time of product delivery later, Further, by the customer information management company 2,
The total amount of goods at the time of purchase request (g) can be settled using a credit card.

The shopping site 3 confirms the content of the purchase of the commodity in step S4 and indicates to the buyer 1 that the purchase has been accepted. The transaction code (f), the commodity code (h), and the commodity code (h) The buyer 1 is notified of the total price (g) of the commodity specified by (1) (step S6).
The notification to the buyer 1 may be performed before the notification to the customer information management company 2 (step S5).

The shopping site 3 then ships the product specified by the product code (h) to any home delivery company 4 affiliated with the system in order to deliver the product to the buyer 1 ( Step S7), Buyer 1
(D) and the created transaction code (f) are notified (step S8). The notification of the ID (d) informs the delivery destination of the product, and the courier company 4 receives the ID (d) notified from the customer information management company 2 in step S3, the user's name (a), and the address ( Referring to the relationship (b), the name (a) and the address (b) of the buyer 1 as the delivery destination of the product are obtained from the notified ID (d), and the name of the buyer 1 (a) is entered in the home delivery form. ), The address (b) and the transaction code (f) notified in step S8 are printed.

[0041] The goods shipped from the shopping site 3 are pasted with the printed home delivery form, and delivered from the home delivery company 4 to the buyer 1 (step S9).

The delivery person of the courier service provider 4 can perform two-way wireless communication with the customer information management company 2, and can use the card number (c) recorded on the credit card and the transaction code (f) printed on the courier service form. ) Is provided. The input of the card number (C) and the transaction code (F) is, for example, scanning and reading the magnetic data recorded on the credit card or the transaction code (F) printed as a barcode on the courier form. Is also good.

The buyer 1 deposits the credit card with the delivery person in exchange for the delivery confirmation of the product desired to be purchased (step S10). The delivery person checks the credit card and the courier form deposited by the buyer 1 at the time of delivery. After the printing of (1), the card number (c) and the transaction code (f) are input to the mobile terminal 6, and the information is transmitted to the customer information management company 2 for the authentication of the card settlement (step S11). If a different or unsolicited item is delivered,
Since the buyer 1 does not need to give the card number (c) of the credit card to the delivery person of the courier service 4, the desired price is not deducted by credit card without obtaining the desired product.

The customer information management company 2 updates the transaction code (f) transmitted from the portable terminal 6 with the transaction code (f) previously notified from the shopping site 3 in step S5.
Is determined, and if there is a matching transaction code (f), it is determined that the goods have been delivered by the goods purchase procedure (step S4) by the buyer 1.

The card number (C) transmitted from the portable terminal 6 is obtained by referring to the relationship between the ID (D) corresponding to the user information and the card number (C) included in the user information. D) and the transaction code matched by (f)
At the same time, it is determined whether or not the ID (d) notified in step S5 matches. If the IDs (d) match, it can be determined that the delivery destination is the buyer 1 who has registered the user information and made the purchase request, and thus the payment by the credit card is authenticated.

The total price (g) notified in step S5 together with the transaction code (f) that matches the price becomes the price of the delivered product. And the amount to be settled (step S12).

If any one of them does not match, the portable terminal 6 is notified that authentication has failed, assuming that unauthorized or erroneous product delivery has been performed (step S15).

If both match, the customer information management company 2 determines that the product has been delivered to the buyer 1 by a correct transaction, and instructs the financial institution 5 on the card number (c) and the total amount ( G), and instructs the buyer 1 to withdraw from the account with a credit card (step S14).

The financial institution 5 compares the amount that can be debited from the account with the credit card and the total amount (g), and notifies the customer information management company 2 of the card settlement status as to whether the debit is possible (step S14). ).
Here, the judgment at the financial institution 5 may be to compare the credit card debit limit and the total amount (g). However, the total amount (g) is compared with the balance of the account to be debited. Only when the amount is less than the balance (g), it may be determined that the withdrawal is possible.

The customer information management company 2 notifies the portable terminal 6 of the notified card settlement status together with the transaction code (f) and the amount (g) (step S15).
The delivery person notifies the buyer 1 of the result of the notification by using a printer or the like (step S16).

In step S 15, when the customer information management company 2 notifies the portable terminal 6 that the user cannot be authenticated or that the account cannot be debited, the home delivery company 4 delivers the product to the buyer 1. No payment by credit card. Therefore, there is no problem that the merchandise cannot be delivered to the shopping site 3 to collect the price.

If the financial institution 5 determines that the credit card can be debited, the financial institution 5 notifies the customer information management company 2 of the determination result, and then the buyer 1 of the financial institution 5.
The total amount (g) is debited from the account of (1) and remitted to the shopping site 3 (step S17).

FIGS. 4 to 7 show a second embodiment of the present invention, in which various procedures are added to the above embodiment.

Step S21 of user information registration procedure
Step S23 to Step S23 are the same as Steps S1 to S3 of the first embodiment, but when registering the user information (Step S21), the buyer 1 adds the age (R) and the gender (N). When the customer information management company 2 notifies the user information registration (step S
22), the difference is that a password (e) is further created and the buyer 1 is notified.

The ID created in step S22
(D) and the password (e) are notified to all the shopping sites 3 that enable online shopping using the communication network (step S24).

When the buyer 1 purchases and uses the product,
The ID (d) and the password (e) notified in step S22 are sent to connect to the Web page of the shopping site 3 via a communication network such as the Internet. In the shopping site 3, if the ID (d) and the password (e) sent from the terminal of the buyer 1 match those received from the customer information management company 2 in step S24, the buyer 1 who has registered the user information Judge and allow the connection. That is, the shopping site 3 can eliminate mischief and unauthorized access from a third party who does not register user information, and can operate the Web site efficiently.

[0057] Buyer 1 selects the product he / she wants to purchase,
When the merchandise code (h) is transmitted to the shopping site 3 (step S25), the shopping site 3 creates a transaction code (f) and creates an ID for identifying the buyer 1.
(D), the product code (h), and the total amount (g) of the product specified by the product code (h) are notified to the customer information management company 2 (step S26). The reason for notifying the product code (h) is that the customer information management company 2 creates product purchase tendency information as described later.

In the present embodiment, the customer information management company 2 having received the notification checks the ability of the buyer 1 to pay with a credit card to the financial institution 5 in advance. That is, the customer information management company 2 obtains the corresponding card number (C) from the notified ID (D), and notifies the financial institution 5 of the card number (C) and the total amount (G) (step S2).
7) Further, the financial institution 5 receiving this compares the credit limit with the total amount (g) of the credit card and notifies the customer information management company 2 of the examination result (step S28).

[0059] The customer information management company 2 notifies the shopping site 3 of the examination result received from the financial institution 5 together with the transaction code (f) (step S29). Therefore, the purchase of the product from the buyer 1 exceeding the credit card usage limit can be refused at the shopping site 3 before the product is delivered. On the other hand, when accepting the purchase procedure of the product, the transaction code (f), the product code (h), and the total amount (g) are notified to the buyer 1 (step S30).

Before entrusting the delivery of goods to the courier 4, the shopping site 3 determines whether the name (a) and address (b) of the buyer 1 have been notified to the courier 4 in step S23. Of the user (step S31), and there is a reply that the user information has been notified (step S32). Outsource. Therefore, the goods can be surely shipped to the home delivery company 4 that can convert the delivery destination from the ID (d).

The shopping site 3 notifies the ID (d) and the transaction code (f) at the time of outsourcing (step S34), and the delivery company 4 sends the ID (d) to the buyer 1 as the delivery destination. The procedure for obtaining the name (a) and the address (b) is the same as in the first embodiment. The courier company 4 further creates a package number (R) corresponding to the transaction code (F), and substitutes the package number (R) for the transaction code (F) with the name (A) and address (B) of the buyer 1. ) And print it on the courier form. The copy of the home delivery form can also be sent to the shopping site 3, but the package number (L) is kept secret from the shopping site 3.

The goods are attached with the home delivery form and delivered to the buyer 1 by the delivery person of the home delivery company 4 (step S35). The delivery person of the courier service provider 4 can perform two-way wireless communication with the customer information management company 2 and the courier service provider 4, and the card number (C) recorded on the credit card and the transaction code ( F) the portable terminal 7 having the function of inputting

The buyer 1 deposits the credit card with the delivery person in exchange for the delivery confirmation of the product desired to be purchased, and inputs the card number (c) to the portable terminal 7 (step S3).
6). In addition, the delivery person enters the package number (L) from the printing surface of the courier form attached to the delivered product into the mobile terminal 6 and, together with the card number (C), authenticates the customer for card settlement. Send to the information management company 2 (step S3
7).

Before determining the authentication of the card settlement, the customer information management company 2 sends the transmitted package number (番号) to the courier company 4 (step S38), and the courier company 4 sends the corresponding transaction code (f). Is received (step S39). By receiving the transaction code (F) for the package number (L), the customer information management company 2 can confirm that an actual product transaction exists in the delivery process of the product in which the shopping site 3 cannot participate. In other words, the first
In the embodiment, since the shopping site 3 is in a position to create a transaction code (f) arbitrarily, if it is possible to know the card number (c) of the buyer 1 who has registered the user information by some method, Assuming a fictitious transaction, the fictitious transaction code (f) is notified to the customer information management company 2 together with the fictitious transaction code (f), so that the credit card settlement authentication can be obtained fraudulently. However, according to the present embodiment, if shopping site 3 is buyer 1
Even if you know the card number (C), the buyer 1
Is the package number attached to the item whose delivery is to be confirmed (Le)
In addition, unless the customer information management company 2 is notified, authentication cannot be performed, so that the above-mentioned fraudulent transactions due to fictitious transactions can be prevented. For example, even if the shopping site 3 notifies the customer information management company 2 of the imaginary luggage number (L) together with the obtained card number (C), the response from the courier company 4 (step S39)
Therefore, since the corresponding transaction code (f) does not exist, it cannot be illegally authenticated by the customer information management company 2.

The customer information management company 2 determines that the transaction code (f) transmitted from the home delivery company 4 has
Is determined to match with any of the transaction codes (f) notified from the shopping site 3, and if there is a matching transaction code (f), the goods are purchased by the buyer 1 through the goods purchase procedure (step S25). Is determined to have been delivered.

The card number (c) transmitted from the portable terminal 7 is obtained by referring to the relationship between the ID (d) corresponding to the user information and the card number (c) included in the user information. D) and the transaction code matched by (f)
At the same time, it is determined whether or not the ID (d) notified in step S26 matches. If the IDs (d) match, it can be determined that the delivery destination is the buyer 1 who has registered the user information and made the purchase request, and thus the payment by the credit card is authenticated.

The amount to be settled from a credit card is
And the total amount (g) notified in step S26 together with the transaction code (f) that matched (step S40).

If any one of them does not match, the portable terminal 7 is notified that the authentication is not possible, assuming that an unauthorized or incorrect product delivery has been made (step S43).

If both match, the customer information management company 2 determines that the product has been delivered to the buyer 1 by a correct transaction, and instructs the financial institution 5 on the card number (c) and the total amount ( G), and instructs the buyer 1 to withdraw the credit card from the account (step S41).

The financial institution 5 compares the debitable amount from the account with the credit card and the total amount (g), and notifies the customer information management company 2 of the card settlement status as to whether or not the debit is possible (step S42). ).
The determination in the financial institution 5 is the same as that in the first embodiment, and thus the description is omitted.

The customer information management company 2 notifies the portable terminal 7 of the notified card settlement status together with the transaction code (f) and the total amount to be settled (g) (step S4).
3), the delivery person of the home delivery company 4 outputs the result of the notification to the buyer 1 by using a printer or the like (step S44).

In step S43, when the customer information management company 2 notifies the portable terminal 7 that the authentication is not possible or that the account cannot be debited, the delivery company 4 delivers the product to the buyer 1. No payment by credit card.

When the financial institution 5 determines that the credit card can be debited, the financial institution 5 notifies the customer information management company 2 of the result of the determination, and then the total amount of money from the account of the buyer 1 of the financial institution 5 is obtained. (G) is withdrawn and remitted to the shopping site 3 (step S45).

As described above, one commodity transaction is completed in steps S25 to S45. In step S26, the customer information management company 2 receives the notification of the ID ( The attribute is obtained from the address (b), age (ri), and gender (nu) of the user information corresponding to d), and these attributes are recorded in association with the product code (h) notified in step S26.

Then, the product code (h) recorded in association with each attribute of the user information for each attribute for a predetermined period or for each number of transactions is totalized by each attribute, and reported to the shopping site 3 as product purchase tendency information. (Step S
46). This product purchase tendency information can be created from the purchase information notified from all the shopping sites 3 affiliated with the present system, so that the local environment and the scale of the shopping site 3 can also be included in the product purchase tendency information as attributes. Thus, it is possible to create information that is not biased by the influence of the specific shopping site 3.

It should be noted that no personal information such as name (a) is used at all, and
Since the product purchase tendency information can be created, the personal information of the buyer 1 can be kept secret.

In the above-described first and second embodiments, the financial institution having the account of the buyer 1 to be debited with the credit card and the card authentication access company for authenticating the use of the credit card are described as the same financial institution 5. However, the information exchange between the customer information management company 2 and the financial institution having the account of the buyer 1, the authentication procedure, the settlement procedure, and the like may be performed via the card authentication access company.

Also, in the above embodiment, an example has been described in which the courier service provider 4 prints the delivery destination of the courier service form.
If only the card number (c) of the buyer 1 needs to be kept confidential at the shopping site 3, the courier company 4
May be notified of the name (a) and the address (b), and the shopping site 3 may write the delivery destination and the transaction code (f) of the courier service form. Note that even in this case,
In the second embodiment, the luggage number (le) must be kept secret from the shopping site 3.

[0079]

According to the present invention, a buyer 1, a shopping site 3, a courier 4, and a financial institution 5 involved in a commodity transaction are provided.
Has the following effects, respectively.

Since information including the card information of the buyer 1 is specified by the ID (d) and used during the transaction of the product (for the buyer 1), the buyer 1 transmits the card information of the credit card to the customer information management company 2. By notifying only one company, it is possible to conceal from an unspecified number of shopping sites 3 and home delivery companies 4 without particularly encrypting.

Also, even in online shopping using a communication network, card information is not sent out, so that it is not leaked to a third party through the network, and misuse of a credit card can be prevented.

Also, since the goods to be delivered are confirmed and the payment is made by credit card, the shopping site 3 where the goods do not arrive after the payment of the goods is paid.
You can purchase products with confidence without worry.

Further, since the payment is made by a credit card, there is no need to prepare cash, and the product can be purchased.

Furthermore, according to the invention of claim 2, even if the credit card number (c) leaks to the shopping site 3, fraudulent transactions assuming a fictitious transaction cannot be performed, so that misuse of the credit card is reliably prevented. it can.

[0105] (For the shopping site 3), since it is a cash-on-delivery at the time of delivery of the product, it is not necessary to consider the credit to the buyer 1 and the transaction can be performed.

Further, according to the third aspect of the invention, when selling a product using a communication network, the ID (d) and the password (e) notified by the customer information management company are
Since the connection can be determined from the buyer 1 who has registered the user information, it is possible to operate an efficient online shopping system by eliminating mischief and unauthorized access.

Further, according to the fourth aspect of the present invention, the comparison result between the total price (g) of the goods and the amount that can be settled with the credit card of the buyer 1 can be known before the goods are delivered. Simple delivery procedures can be eliminated.

Further, according to the fifth aspect of the present invention, it is possible to obtain the product purchase tendency information without counting on the shopping site side and without inquiring the buyer 1 for personal information every time a purchase is made. In particular, since this product purchase tendency information can be created by adding purchase information of the shopping site 3 of another company, it is possible to obtain highly accurate product purchase tendency information that is not biased to one company.

The delivery destination of the courier form can be printed using the user information (name (a) and address (b)) that has been notified in advance (for the courier 4). , Saves you the trouble of writing.

Also, since only the home delivery company 4 (which is affiliated with the present system) that can carry out the present invention can deliver, the home delivery service can be preferentially ordered compared to other home delivery companies 4.

(For the financial institution 5) Since the card number (c) is not leaked to the shopping site 3, it is possible to prevent fraud and a plurality of shopping can be performed only by considering the credit of only one affiliated customer information management company 2. Credits need not be considered for each of the sites 3.

Further, since the fraudulent use of the credit card can be prevented, the loss of the buyer 1 due to the fraud is not guaranteed.

Further, since the settlement is made by credit card when the goods are delivered, there is no risk to the credit of the shopping site 3. For example, the shopping site 3 does not go bankrupt after payment by a credit card, and the loss is not guaranteed to the buyer 1.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram showing a procedure of a payment method for a product according to a first embodiment of the present invention.

FIG. 2 is an explanatory diagram showing a procedure of a method for settlement of a commodity price following FIG. 1;

FIG. 3 is an explanatory view showing a procedure of a method for paying for a commodity following FIG. 2;

FIG. 4 is an explanatory diagram showing a procedure of a payment method for a product according to a second embodiment of the present invention.

FIG. 5 is an explanatory diagram showing a procedure of a method for paying for the commodity following FIG. 4;

FIG. 6 is an explanatory view showing the procedure of the payment method for the product following FIG. 5;

FIG. 7 is an explanatory diagram showing a procedure of a method for settlement of a commodity price following FIG. 6;

FIG. 8 is a block diagram showing a conventional method of payment for goods.

[Explanation of symbols]

 Reference Signs List 1 buyer 2 customer information management company 3 shopping site 4 courier company 5 financial institution 6, 7 mobile terminal

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 506 G06F 17/60 506 G07F 7/08 G07F 7/08 R

Claims (5)

[Claims] 1. A buyer (1) registers user information including at least a name (a), an address (b), and a credit card number (c) of a buyer (1) with a customer information management company (2). Then, the first step (S1, S2) of receiving a notification of the ID (d) corresponding to the user information registered by the customer information management company (2), and the customer information management company (2) A second step (S3) of notifying the courier company (4) of the name (a), address (b), and ID (d) corresponding to the user information of the buyer (1) included therein; A third step of notifying the shopping site (3) of purchase information including at least the ID (d) notified by the customer information management company (2) and the product code (h) specifying the product desired to be purchased. (S4) and purchase information The notified shopping site (3) determines the total price (g) of the product specified by the product code (h),
The transaction code (f) generated corresponding to the purchase information and the ID (d) included in the purchase information are stored in the customer information management company (2).
A fourth step (S5) of notifying the buyer (1) of the transaction code (f) generated by the shopping site (3) corresponding to the purchase information to the buyer (1); 3) is a transaction code (f) generated corresponding to the purchase information, and an ID included in the purchase information.
(D) to the courier company (4), the sixth step (S8) of delivering the product specified by the product code (h), and outsourcing the product, and the courier company (4) The relationship between the name (a), the address (b), and the ID (d) corresponding to the user information of the buyer (1) notified in step 2 (S3) is checked, and the notification is sent in the sixth step (S8). A seventh step (S9) of obtaining the name (A) and address (B) of the buyer (1) from the received ID (D) and delivering the product, and a delivery service provider (4) ) Is the buyer (1)
Credit card number (C) received from
Transaction code notified in the sixth step (S) (f)
Is input to the mobile terminal (6) owned by the courier company (4) and transmitted to the customer information management company (2) (S11); and the transaction code (F) transmitted from the mobile terminal (6). ) Matches any one of the transaction codes (f) notified from the shopping site (3) in the fourth step (S5), the ID (d) corresponding to the user information and the card number (c) included in the user information. ), The ID (d) obtained from the card number (c) transmitted from the mobile terminal (6) is
The fourth step (S) with the matched transaction code (f)
The customer information management company (2), together with the matched transaction code (f), provides the total amount (g) notified in the fourth step (S5) on condition that the ID (d) notified in step 5) matches each other. ) Is authenticated to be settled using the credit card of the buyer (1) (S12).
A tenth step in which the customer information management company (2) transmits to the mobile terminal (6) that the payment using the credit card has been authenticated, and notifies the home delivery company (4) and the buyer (1) ( (S15, S16). 2. A buyer (1) registers user information including at least a name (a), an address (b), and a credit card number (c) of the buyer (1) with a customer information management company (2). Then, the first step (S21, S22) of receiving the notification of the ID (d) corresponding to the registered user information from the customer information management company (2) and the customer information management company (2) A second step (S23) of notifying the home delivery company (4) of the name (a), address (b), and ID (d) corresponding to the user information of the buyer (1) included in the buyer (1); A third step of notifying the shopping site (3) of purchase information including at least the ID (d) notified by the customer information management company (2) and the product code (h) specifying the product desired to be purchased. (S25) and purchase The shopping site (3) notified of the entry information sets the total price (g) of the product specified by the product code (h),
The transaction code (f) generated corresponding to the purchase information and the ID (d) included in the purchase information are stored in the customer information management company (2).
A fourth step (S26) of notifying the buyer (1) of the transaction code (f) generated by the shopping site (3) corresponding to the purchase information to the buyer (1); 3) is a transaction code (f) generated corresponding to the purchase information, and an ID included in the purchase information.
(D) to the courier company (4), the sixth step (S33, S34) of consigning the delivery and delivery of the product specified by the product code (h), and the courier company (4) A 7A step of creating a package number (re) corresponding to the transaction code (f) notified from the shopping site (3) and attaching it to the delivered product; and a courier company (4) performs a second step ( The relationship between the name (a), the address (b), and the ID (d) corresponding to the user information of the buyer (1) notified in S) is compared, and the ID notified in the sixth step (S) (D) Obtain the buyer's (1) 's name (a) and address (b) and deliver the goods
B step (S35), when the goods are delivered, the courier company (4) asks the buyer (1)
Credit card number (C) received from
Step 8A (S37) of inputting the package number (i) attached to the product to the portable terminal (7) owned by the courier company (4) and transmitting it to the customer information management company (2); The company (2) inquires the parcel number (R) sent from the mobile terminal (7) to the courier company (4),
The ninth A step (S38, S39) receiving the notification of the transaction code (f) corresponding to the package number (i) and the transaction code (f) notified in the ninth A step (S39) become the fourth step (S26). ), Matches any one of the transaction codes (f) notified from the shopping site (3), and refers to the relationship between the ID (d) corresponding to the user information and the card number (c) included in the user information, The ID (d) obtained from the card number (c) transmitted from the mobile terminal (7) is used together with the matched transaction code (f) in the fourth
The customer information management company (2) sends the fourth step (S2) together with the matched transaction code (f) on condition that the IDs (d) notified in step (S26) match respectively.
9B authenticating that the total amount (g) notified in 6) is settled using the credit card of the buyer (1).
Step (S40): The customer information management company (2) transmits to the mobile terminal (7) that the payment using the credit card has been authenticated, and notifies the home delivery company (4) and the buyer (1). And a tenth step (S43, S44). 3. In a first step (S2, S22), the buyer (1) receives a password (e) together with an ID (d) corresponding to the user information from the customer information management company (2), In three steps (S4, S25), buyer (1)
Is the ID (d) notified by the customer information management company (2)
The method according to claim 1, wherein the purchase information is notified to the shopping site via the communication network using the password and the password (e). 4. In a fourth step (S5, S26),
From shopping site (3), the total price of the product (g)
And the customer information management company (2) receiving the notification of the ID (d) included in the purchase information, settles with the credit card from the credit card number (c) included in the user information corresponding to the ID (d). 2. The method according to claim 1, further comprising: comparing the total amount of the product with the total price of the product (g), and notifying the comparison result to the shopping site (3) (S29).
Or the payment method for a commodity according to any one of the above items 2. 5. In a fourth step (S5, S26),
The shopping site (3) notifies the customer information management company (2) of the purchase information including the product code (h) specifying the product, and the customer information management company (2) receives the notification of the purchase information each time. , And accumulates the product code (h) of the purchase information in association with the user information corresponding to the ID (d) included in the purchase information, and accumulates a large number of the product codes (h) and the user information into the product purchase tendency information. The notification is sent to the shopping site (3) (S46).
Or the payment method for a commodity according to any one of the above items 2.