JP2002197297A - Commercial transaction system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a commercial transaction system which is able to combine information security and convenience of commercial transaction even on terminals lacking resources of hardware and software. SOLUTION: On the commercial transaction system which allows customers' terminals to send order information of product to a server of a sales agency though an information communication network at least, the server of the sales agency is equipped with a customers' information storage means which relates the first member code issued by the sales agency for the customers and the second member code issued by a settlement agency for the customers to each customer and stores them, and the order information includes not the second member code and but the first member code.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] The present invention relates to a commerce system via an information communication network.

[0002]

2. Description of the Related Art In recent years, various forms of commercial transactions have been conducted through information communication networks such as the Internet. One of the major problems in such commercial transactions is how to ensure information security. For example, in a business transaction via a business-to-individual network, payment by a credit card is generally performed.In this case, since confidential information such as a personal credit card number is transmitted to the business via the Internet, There is a risk that secret information will be leaked. Also,
Due to the anonymity of the network, there is a risk that secure payments will not be made. To solve such problems, SSL (Secu
Re Sockets Layer, a certification organization, and the like have conventionally proposed techniques for ensuring the authenticity and confidentiality of information.

[0003] With the development of information technology, the types of terminals connected to an information communication network have been diversified. For example, mobile phones and PDAs (Personal Data Assist)
Even small devices (terminals) such as ant) can send and receive e-mail via the Internet, browse web pages, and the like.

[0004]

However, these relatively small portable terminals have less hardware and software resources as compared with terminals such as personal computers, for example, and are not sufficiently technically compatible with SSL or the like. There is a problem that it is difficult to take various information security measures. On the other hand, in order to supplement information security measures from the technical side, it is convenient for users to place importance on procedural information security measures (for example, imposing strict authentication procedures and credit procedures on users). And the advantage of commerce itself using the information communication network is lost.

[0005] The present invention has been made in view of such technical problems, and has as its object to ensure information security and to provide convenience in transactions even for a terminal having scarce hardware and software resources. It is an object of the present invention to provide a commerce system via an information communication network capable of satisfying both.

[0006]

That is, the present invention relates to a commercial transaction system in which order information of goods is transmitted from at least a customer terminal to a sales institution server via an information communication network. And a second member code issued by the clearing house to the customer in association with each customer in advance, and the order information includes the first member code. It does not include the second member code.

Further, according to the present invention, sales information of a product is transmitted from a sales institution server to a settlement institution server via an information communication network, and the sales institution server is based on a first member code included in the order information. The sales information including the corresponding second member code by referring to the customer information storage means.

Here, the first member code is issued to the customer by the sales organization, while the second member code is issued to the customer who satisfies a certain credit screening standard by the settlement organization. In other words, the second member code is a member code valid for a plurality of different stores (or groups) and a member code valid only for the same store (or the same group). It can be said that the membership code is more effective and confidential than the membership code.

[0009] By configuring the commercial transaction system in this way, when ordering from a customer to a store, the order information includes the first member code and does not include the second member code. If the information is leaked when the information is transmitted via the information communication network, the damage is relatively small. On the other hand, when the sales information is recorded from the store to the settlement institution, the sales information includes the second member code, so that the customer can be easily identified at the settlement institution, and the settlement is performed safely.

The advantage of the commercial transaction system according to the present invention is that the information communication network between the sales institution server and the settlement institution server is provided between the customer terminal and the sales institution server. In this case, the information security is higher than that of the information communication network. More specifically, the former information communication network is open to a third party, and the latter information communication network is closed to a third party. As an example of such a case, the information communication network between the sales institution server and the settlement institution server is constituted by only a telephone line or only a dedicated line, and the information communication between the sales institution server and the customer terminal is performed. The network may include the Internet at least in part.

The customer terminal used in the commercial transaction system according to the present invention is a device having at least an information communication function, such as a general-purpose personal computer or a dedicated terminal. In view of the effect of the present invention that information security can be easily ensured by a simple method in a communication network,
In the case of adopting a simpler customer terminal, for example, a mobile terminal such as a mobile phone or a PDA having an information communication function,
The effects of the present invention are remarkably exhibited and are preferable.

When a mobile phone having an information communication function is employed as a customer terminal, the telephone number can be used for customer authentication. That is, the customer information storage means stores in advance the telephone number of the mobile phone of each customer, and the sales institution server stores the telephone number and the first member code stored in the customer information storage means. It is also possible to have an authentication means for authenticating the customer based on the telephone number and the first member code included in the order information. Particularly, it is preferable that the telephone number included in the order information be transmitted by the number notification function of the mobile phone, rather than being input by the customer himself, since the certainty of the authentication is further increased.

By the way, in such a commercial transaction system, it is necessary to specify a product to be purchased by a customer by some method. Therefore, the sales institution server includes a product information storage unit that stores a product code for specifying each product, which is composed of a number sequence and / or a character string, and that the order information includes the product code. You can also. By configuring the commerce system in this way, it is possible to easily specify a product by inputting a number sequence (product code) and / or a character string (alphabet), so that it is relatively difficult to input characters and the like. It is preferable because the product can be easily specified even with a small terminal such as a telephone.

[0014] Further, in such a commercial transaction system, it is preferable to effectively carry out advertisement to a target customer via an information communication network. Therefore, the customer information storage means previously stores the e-mail address and attribute information of each customer, and the sales institution server sends the e-mail to the e-mail address of the customer selected based on the attribute information. The commercial transaction system may be configured to have an e-mail distribution means for transmitting the e-mail. In addition, such emails include:
It is preferable to describe the product to be promoted and the product code of the product together. As this attribute information,
For example, the occupation, age, gender, address (region), purchase history (purchase amount, number of purchases, purchase frequency, payment, etc.) of the customer can be cited.

Further, in such a commercial transaction system, in order to secure the security of the transaction, it is preferable that a credit check is performed when a customer purchases a product. That is, the customer information storage means previously stores credit information for each customer, and the sales server has a credit investigation means for determining whether or not a transaction with the customer is possible by referring to the credit information. It can be configured as follows.

The credit information simply indicates whether or not a transaction is possible with the customer, for example, information indicating the reason for the possibility of the transaction, and indicates the upper limit of the transaction amount (within a certain period) with the customer. And the like. Further, as the credit information, the first credit information set by the sales institution and the second credit information set by the clearing institution can be provided separately, and the first credit information and the second credit information can be mutually separated. It can be independent. For example, the upper limit of the transaction amount of a certain customer set by the clearing house and the upper limit of the transaction amount of the customer set by the dealer may be independent from each other.

Here, the sales organization has second credit information,
It may update it based on information from the clearing house, and instead of the sales institution having secondary credit information,
It is also possible to refer to a settlement institution whether or not the transaction is possible. As the former configuration, the sales institution server includes a second credit information updating unit that updates the second credit information based on information transmitted from the settlement institution server via the information communication network, As a configuration of the above, the credit investigation means transmits the inquiry information including the second member code to the clearing house server via the information communication network, and from the clearing house server, information indicating whether or not a transaction with the customer is possible. To receive.

This credit information can be updated based on information stored in the sales institution server. That is, the credit information includes limit information indicating a transaction limit with the customer, and updates the limit information based on information stored in a store server (for example, the customer information storage unit). It can be configured to have limit updating means. Here, the limit information may be the upper limit of the purchase amount for one time, or the upper limit of the purchase amount for a certain period. The information referred to at the time of updating (stored in the sales institution server) includes, for example, information indicating a purchase history. As the cumulative purchase amount, the number of purchases, and the purchase frequency increase, the transaction limit amount increases. Can be updated to be higher, and if payment is delayed, the transaction limit can be updated to be lower (or to zero).

[0019]

Embodiments of the present invention will be described below with reference to examples.

Embodiment FIG. 1 is a conceptual diagram illustrating the overall configuration of a commercial transaction system according to an embodiment. As shown in FIG. 1, the commercial transaction system includes a mobile phone 1 as a customer terminal of each customer.
(1) to (m), a dealer server 2 as a dealer server of a dealer (seller), a settlement server 3 of a credit company (settler), and each business partner of the dealer. It is composed of supplier servers 4 (1) to 4 (n). Further, the mobile phones 1 (1) to (m) and the store server 2 are connected via the Internet (information communication network) N1, and various information communication is performed. On the other hand, a dedicated line (information communication network) N2 connects the store server 2 and the settlement institution server 3, and a dedicated line or the Internet connects the store server 2 and each of the business partner servers 4 (1) to 4 (n). The dedicated lines N2 are provided independently of the Internet N1.

In this embodiment, the store is a home improvement chain that operates physical stores nationwide, and its products are wide-ranging, such as DIY goods, gardening goods, daily necessities, and home electric appliances. Further, in this embodiment, the main target customers are not general customers but customers who operate the construction industry and agriculture (large customers).

FIG. 2 illustrates the configuration of the mobile phone 1. The mobile phone 1 includes a display screen 10 and an operation button group 11. By appropriately operating the operation button group 11, various information communication via the Internet N 1, for example, transmission and reception of e-mails and mobile phone web You can browse the site.

FIGS. 3 to 8 each illustrate the configuration and function of the store server 2. As shown in FIG. 1, the store server 2 includes
E-mail server 20, mobile phone web server 21, customer management server 22, credit credit server 23, product management server 24, order processing server 2
5 and the like. Hereinafter, the configuration and function of each server will be described.

FIG. 3 illustrates a sentence group stored in the electronic mail server 20. The e-mail server 20 stores a plurality of e-mail sentences M (1) to M
(P) is stored. These sentences M (1) to M
In (p), advertisements of different products are described, and URLs (1) to (p) of web pages on which descriptions of the products are described are described as link destinations. For example, the text M (i) of an e-mail contains an advertisement for the product “brick”,
The URL (i) of the web page P (i) that describes the description of the product “brick” is described as a link destination.

FIG. 4 illustrates a web page group stored in the mobile phone web server 21.
The mobile phone web server 21 stores a plurality of web pages P (1) to P (q). These web pages P (1) to P (q) are linked to each other, and the user (customer in the present embodiment) can easily reach the target even in the mobile phone 1 which is less operable than a personal computer or the like. The web page P can be reached.
As will be described later (see FIGS. 10 and 14), this web page group includes a web page P for inputting a product code.
(I-1), Web page P explaining product "brick"
(I), a web page P (i
+1), a web page P (i +
2), web page P (i + 3) for confirming the order
And so on. In addition, in consideration of the size of the display screen 10 of the mobile phone 1 and the communication speed in information communication via the Internet N1, each web page P (1)
Almost (q) is composed of only character information.

FIG. 5 shows customer information stored in the customer management server 22 in the form of a table having columns and rows. FIG. 5A shows customer information already stored in the customer management server 22 before commencement of the commercial transaction by the mobile phone 1. FIG. 5B shows at least the commencement of the commercial transaction. 4 shows customer information stored in the customer management server 22 at the time of execution. First, as customer information stored before commencement of commerce, as a customer number (first member code) issued to a customer by a dealer, a name and address of each customer, and attribute information of each customer. Occupation classification, date of birth, gender, etc. are stored. In addition to the above, cash-on-delivery credit information (first credit information) indicating whether the cumulative purchase amount of each customer at the store and whether or not each customer can purchase the product at this store by cash on delivery is stored. 5 (a)). Note that the customer number is a numerical sequence. On the other hand, when commerce begins, in addition to this information,
A credit card number (second member code), an e-mail address, and a mobile phone number given by the credit company to the specific customer after the credit check is stored. Note that how these credit card numbers, e-mail addresses, and mobile phone numbers are stored in the customer management server 22 will be described later.

For example, in FIG. 5B, a credit card is issued to a customer whose customer number is "1234 ...", and the credit card number is "5678".
… ”, The customer's name is“ Taro Yamada ”, the email address is“ taro@xx.ne.jp ”, the mobile phone number is“ 090… ”, the address is“ Niigata prefecture… ”, and the occupation is In relation to "architecture", the cumulative purchase price of this customer (Taro Yamada) at this store is "700,000" yen, and this customer (Taro Yamada) can purchase goods at this store by cash on delivery. It shows that there is.

FIG. 6 shows the credit information stored in the credit server 23 in the form of a table having columns and rows. As shown in the figure, the credit card server 23 stores a credit card number of each customer,
Credit credit information (second credit information) indicating whether or not the customer can purchase a product with a credit card is stored. For example, in FIG. 6, a customer whose credit card number is “5678...” Indicates that it is “possible” to purchase a product by a credit card at this store. In the present embodiment, the cash-on-delivery credit information is independently set by the store, and the credit credit information is independently set by the clearing house. In addition, the payment credit information and the credit credit information may include a reason category indicating the reason for each evaluation.

FIG. 7 shows product information stored in the product management server 24 in the form of a table including columns and rows. As shown in the figure, the merchandise management server 24 stores, in the merchandise store, merchandise codes (consisting of several columns) for identifying merchandise handled in commercial transactions, merchandise names, merchandise unit prices, suppliers, and web pages. URLs and the like are stored. For example, in FIG. 7, the product code is “000”.
The product "brick" which is "1" has a product price of "60" yen, the supplier is "A company" (one of the business partners), and the URL of the web page describing the product is " ww
w.kmr.com/… ”. In connection with the description of FIG. 3 and FIG. 4, the web page describing this product “brick” is displayed on the web page P (i) with its UR
L is nothing but URL (i).

FIG. 8 shows the processing information stored in the order processing server 25 in the form of a table including columns and rows. As shown in the figure, in the order processing server 25, an order code for identifying an order received from a customer by this commercial transaction, a customer code of the customer who made the order, a product code of the ordered product, an order quantity, Delivery information indicating whether or not the ordered product has been delivered, settlement information indicating whether or not the price of the delivered product has been settled, and the like are stored. For example, in FIG. 8, the order code “ABC00
Referring to the order numbered "1", the customer number of the customer who is the orderer is "1234 ...", the product code of the ordered product is "0001", and the order quantity is "640". Indicates that the delivery has been completed, but the settlement has not been made yet.

Note that these servers 20 to 25 are conveniently divided as functions of the store server 2. Actually, the function of the store server 2, that is, the function of each of the servers 20 to 25 can be realized by a single or a plurality of computers. Each computer that actually constitutes the store server 2 includes an arithmetic device, a control device,
A storage device, an input device, an output device, and the like, and a program for operating the computer are provided, and a mail distribution unit, an authentication unit, a credit investigation unit, a credit information update unit, an ordering unit, and a settlement unit, which are described later, as the entire store server 2 Each function has been realized. In addition, customer information, credit credit information, product information, and processing information are respectively shown in FIG.
(A), FIG. 5 (b), FIG. 6, FIG. 7, and FIG. 8 are shown in a table format, but in order to eliminate these redundancy and reduce transactions between servers, Of course, the configuration can be changed.

Next, an operation procedure of the commercial transaction system will be described. FIG. 9 is a flowchart for explaining the operation procedure of the commercial transaction system. This operation procedure is roughly divided into a preparation stage (P1 and P2) and a transaction stage (T1 and T4).

First, in a preparatory stage (P1 to P2), a customer having a customer number of a dealer acquires a credit card of an affiliated credit company (P1), and further specifies a customer among those holding the credit card. A customer (here, a customer who operates a building industry, agriculture, etc.) is requested to acquire the mobile phone 1 (P2). Then, the credit card number of the customer, the e-mail address of the mobile phone 1, and the mobile phone number are stored in the customer management server 22.
That is, in this preparation stage (P1 and P2), the purpose is to shift the customer information stored in the customer management server 22 from the state shown in FIG. 5A to the state shown in FIG. 5B. .

As a more specific procedure for obtaining a credit card (P1), for example, in a store of a store, a customer who visits the store may fill out a credit card application form of a partner credit card company. The seller sends the application form to the credit card company.
The credit card company performs a credit check on the customer based on the application form, and issues and sends a credit card to the customer who has passed the credit check. The credit card describes a credit card number unique to the customer (different from the customer number). On the other hand, the credit card company sends the credit card number to the store together with information that can identify the customer (for example, the customer number of the customer). When sending this credit card number, the information is stored on a magnetic tape,
This is performed by sending the magnetic tape from a credit card company to a store. At the store, the credit card number is added to the customer information stored in the customer management server 22 based on the magnetic tape.

More specifically, the procedure for obtaining a mobile phone (P2) is, for example, notifying a special customer extracted by the dealer of the customer's mobile phone number and e-mail address to the dealer. The transfer can be performed by transferring the mobile phone at a low price or free of charge, provided that permission is given to the mobile phone 1 to send the advertisement mail from the store. In other words, the store selects a large customer from the customer information stored in the customer management server 22, and sends a direct mail (mail) to the large customer to transfer the mobile phone 1 at a discount or free of charge. . Among the large customers who have received the direct mail, those who agree to the above conditions and accept the transfer of the mobile phone 1 obtain the mobile phone 1 at a discount or free of charge from a mobile phone sales company (not shown), and Send a letter of consent for the advertisement mail together with the telephone number and e-mail address of No. 1 to the store (postal mail). At the store, the mobile phone number and the e-mail address are added to the customer information stored in the customer management server 22 based on the written consent form.

When a large customer is selected, the customer management server 22 may be configured to automatically select a large customer based on attribute information of the customer information, the accumulated purchase amount, and the received credit information. For example, if the occupation is “building industry” or “agriculture” and a large customer is selected under the condition that the accumulated purchase amount is “500,000” or more, the customer “Taro Yamada” shown in FIG. Meet the requirements and be selected as a major customer.

Through the preparatory steps (P1 and P2), the customer information stored in the customer management server 22 is shifted from the state shown in FIG. 5A to the state shown in FIG. 5B.

Next, in the transaction stage (T1 to T4), the merchandise is presented to the customer (T1), and the customer orders the merchandise (T1).
2) The goods are delivered to the customer based on the order (T
3), the price of the product is paid from the credit card company to the store or settled by cash on delivery of the product (T
4). That is, in this transaction stage (T1 to T4), a commercial transaction is realized by the functions of the servers 20 to 25 in addition to the customer management server 22 in which a credit card number and the like are additionally stored. Hereinafter, each step constituting the transaction steps (T1 to T4) will be described.

FIG. 10 shows a mode of presenting product information on the display screen 10 of the mobile phone 1. Web page P
(I) shows the web pages P (i) to P (q) stored in the above-described mobile phone web server 21 (see FIG. 4).
And product information displayed on the display screen 10 of the customer's mobile phone 1 via the Internet N1. As the product information, a product name, a product code, a unit price, and an order quantity are displayed. Here, brick information as one of the building material products includes a product name “brick”, a product code “0001”, a unit price “60 yen”, and an order quantity “6”.
Forty "is displayed only with character information. In this embodiment, there are three methods for the customer to reach the web page P (i).

The first is a method in which the customer operates the operation button group 11 of the mobile phone 1 to follow the link L of each web page (see FIG. 4) and arrive at the web page P (i) (see FIG. 4). 10), the second is a method of arriving at the web page P (i) based on the link of the URL (i) described in the text M (i) of the e-mail addressed to the customer (FIG. 10), Third, the product code described in the conventional paper-based advertising flyer C, brochure, or catalog is displayed on the mobile phone 1.
This is a method (of FIG. 10) for arriving at the web page P (i). The first method is the simplest method, but requires a customer's own active action, and image information (for example, the above brick image) (due to functional restrictions of the mobile phone 1). This is not necessarily a sufficient method in that it is not possible to present sufficient product information to customers. Hereinafter, the second and third methods for solving these problems will be described in detail.

The second method is to send an e-mail M (i) to the customer in order to evoke the customer's purchasing behavior (see FIG. 10). FIG. 11 is a flowchart illustrating the procedure of this method.

First, a business partner and a dealer hold a sales promotion meeting (T1-21). Here, for sales promotion, it is determined which product is to be sold to what kind of customer and how much. Here, if the product related to sales promotion is a new product,
Alternatively, when a product related to sales promotion is provided at a lower price than a normal price, the product information stored in the product management server 24 is added or updated as appropriate. In this embodiment, it is assumed that the sales of the product “brick” is promoted to customers in the construction industry.

Next, based on the result of the sales promotion meeting, a customer who sends an e-mail is extracted (T1-2).
2). In this operation, the mail delivery means is executed by the customer management server 2
This is performed by referring to the customer information stored in the second information. In this embodiment, the mail distribution means of the store server 2 refers to the customer information in the customer information server 22 (FIG. 5).
(See (b)), a customer whose credit card has been acquired (credit number is stored) and whose occupation is “building industry” is extracted, and a list of e-mail addresses thereof is created. For example, the customer "Taro Yamada" has acquired a credit card and his occupation is in the building industry, so his e-mail address "taro@xx.ne.jp" is included in the list. When extracting a customer, it is also possible to refer to credit information, a cumulative purchase price, a combination thereof, and the like.

Next, the text of the e-mail is selected based on the result of the sales promotion meeting (T1-23). This operation is performed by the e-mail server 2 (by a dealer).
This is performed by selecting an appropriate sentence M (i) from a plurality of sentences M (1) to M (p) stored in 0 (see FIG. 3). In the sentence M (i), the advertisement text of the product “brick” and the URL (i) linked to the web page P (i) are described as described above (FIG. 10).
reference). The selection of the text of the electronic mail may be automatically performed by the mail distribution means. That is, a plurality of sentences M (1) to M (p) stored in the e-mail server 20 (see FIG. 3) are associated in advance with the product codes of the handled products, and the By inputting the merchandise code into the store server 2 (by a person at the store), the mail distribution means may be configured to select a text associated with the mail code.

Next, the text M (i) created (selected) in (T1-23) is delivered to the customer extracted in (T1-22) as an e-mail (T1-24). In this operation, the mail distribution unit sets each e-mail address in the list extracted in (T1-22) as a destination, and
This is performed by distributing an e-mail containing the text M (i) selected in 1-23) to the mobile phone 1 of each customer from the e-mail server 20 via the Internet N1.

Next, the e-mail distributed in (T1-24) is received, and the customer interested in the sentence M (i) accesses the web page of the product related to the advertisement (T1-25). ). Here, the URL (i) in the text M (i) of the received e-mail is highlighted, and when the customer selects the URL (i) with the operation button group 11 of the mobile phone 1 (the URL is bothersome). (Without inputting (i)), information communication is performed with the mobile phone web server 22 via the Internet N1, and the web page P (i) is immediately displayed on the display screen 1 of the mobile phone 1 of the customer.
0 (T1-26) (see FIG. 10).

Such a procedure (T1-21 to T1-2)
According to 6), it is possible to send an effective e-mail to a targeted customer and urge the customer to purchase.

The third method of arriving at the web page P (i) is to distribute a paper leaflet to a customer in order to give the customer sufficient product information. FIG.
Is a flowchart for explaining the procedure of this method.

First, the advertisement flyer C (of paper medium) is distributed to the customer (T1-31). In this operation, the advertisement flyer C may be distributed to a customer who has come to the store, or may be distributed as a newspaper insert flyer C. As shown in FIG. 10, in the advertisement flyer C, product information of a plurality of products is described in detail including its images. Therefore, the customer can place an order for the product with more assurance. Here, a color image, a standard size, a price, and the like are described as product information of the product “brick”. The advertisement flyer C includes a web page P of the store.
The URL (i-1) of (i-1) and the product code (for example, the product code "0001" as one of product information of the product "brick") are described for each product.

Next, the customer enters the URL described in the advertisement flyer C.
(I-1) is input to access the web page P (i-1) (T1-32). The customer interested in the product described in the advertisement flyer C is the operation button group 1 of the mobile phone 1
1 to URL (i-1). Then, information communication is performed with the mobile phone web server 22 via the Internet N1, and the web page P (i-1) shown in FIG. As shown in the figure, this web page P (i-1)
Displays an input box for inputting a product code, an OK button, and a cancel button.

Next, the customer inputs a product code of a desired product into the input box (T1-33). (T1-32)
, The customer inputs a product code of a product of interest to an input box displayed on the web page P (i-1). For example, when the customer is interested in the product “brick”, the customer inputs the product code “0001”. Then, information communication is performed with the mobile phone web server 22 via the Internet N1, and the web page P (i) is displayed on the display screen 10 of the mobile phone 1 of the customer (see FIG. 10). Note that, as described above, the product code is composed of a number sequence, so that the customer can input the product code from the operation button group 11 relatively easily.

Such a procedure (T1-31 to T1-3)
According to 3), since sufficient product information is provided to the customer, the customer can select and order the product with confidence.

The web page P displayed in this manner
From (i), the customer orders a product (T2). FIG.
Is a flowchart for explaining the procedure from when the customer selects the OK button on the web page P (i) to when the order for the product goes through the store and is ordered to the business partner. FIG. 14 illustrates the transition of the display screen 10 of the mobile phone 1 until the customer completes an order for a product. Hereinafter, the procedure for ordering a product (T2) will be described in detail with reference to FIGS.

The customer selects the OK button on the web page P (i) (T2-1). As shown in FIG. 14, the web page P (i) includes product information, in this case, product information “brick”, product name “brick”, product code “0001”, unit price “60 yen”, order unit “ 640 "
Are displayed respectively. Then, the customer agrees to these product conditions and transaction conditions, and the web page P (i)
Is selected, information communication is performed with the mobile phone web server 22 via the Internet N1, and the next web page P is displayed on the display screen 10 of the mobile phone 1.
(I + 1) is displayed.

Next, the customer selects a payment method from the web page P (i + 1) (T2-2). Web page P
In (i + 1), a plurality of selectable payment methods are presented. In this embodiment, as a method of paying a commodity price, a method by a credit card and a method by cash on delivery are presented. Then, when the customer selects a desired payment method from these payment methods, information communication is performed with the mobile phone web server 22 via the Internet N1. Web page P (i + 2) is displayed. Of course, it is also possible to select other payment methods (such as payment at a physical store of a store).

Next, the customer inputs his / her customer number into the input box of the web page P (i + 2) (T2-
3). Web page P (i + 2) includes an input box for inputting a customer number, an OK button, and a cancel button. The customer inputs his or her customer number issued by the store (for example, when the customer "Taro Yamada" enters, the customer number "1234 ...") in the input box, and
When the K button is selected, the customer number is transmitted to the mobile phone web server 22 via the Internet N1. As described above, since the customer numbers are composed of a number sequence, the customer can input the customer number from the operation button group 11 relatively easily.

Here, in the order, the Internet N1
Summarize the information sent via. FIG. 15 (a)
In the procedure up to now (T2-1 to T2-3), information transmitted from the customer's mobile phone 1 to the store server 2, that is, order information is summarized. As shown in the figure, this order information is "mobile phone number""productcode"
"Order quantity" and "customer number" are included, but "credit card number" is not included. Therefore, even if an order for a product is made through an information communication network, such as the Internet N1, where security is not always sufficiently secured, at least the credit card number will not leak to a third party. The “mobile phone number” in the order information is transmitted to the mobile phone web server 22 by the mobile phone 1 by the number notification function of the mobile phone 1 when the customer accesses the mobile phone web server 22 by the mobile phone 1.

Next, the authentication means of the store server 2 authenticates the customer (T2-4). In this authentication, the authentication means uses the “mobile phone number” and “customer number” of the order information transmitted through the Internet N1 (see FIG. 15A) and the customer management server 22 (FIG. This is performed by confirming whether or not the customer's “mobile phone number” and “customer number” stored in (b)) match. For example, the authentication of the customer “Taro Yamada” is performed by authenticating the “mobile phone number” and “customer number” included in the order information and the mobile phone number “090 ...” of the customer “Taro Yamada” stored in the customer management server 22. . "And the customer number" 1234 ... "match. If the authentication is properly performed, the process proceeds to the next credit check (T2-4). If the authentication is not properly performed, for example, information communication is performed with the mobile phone web server 22 via the Internet N1, and the input customer number is displayed on the display screen 10 of the mobile phone 1. A web page P (not shown) for confirmation is displayed.

Next, the credit checking means of the store server 2 performs a credit check of the customer (T2-5). This credit check is performed by credit check means, and the method differs depending on the method of payment of the commodity price (T2-2).

When the customer selects credit card settlement as the payment method for the commodity price, the credit inspection means first refers to the customer information in the customer management server 22 and reads “customer number” included in the transmitted order information. After obtaining the credit number of the customer based on the obtained credit number, the customer further refers to the credit information of the credit server 23, and from the corresponding credit information based on the obtained credit number, permits the customer to purchase the product by a credit card. Check whether it has been done. On the other hand, if the customer selects the cash on delivery method as the payment method for the product price, the credit examination means refers to the customer information in the customer management server 22 and, based on the transmitted “customer number”, transmits the corresponding sales credit information. Then, it is confirmed whether or not the customer is allowed to purchase the product by cash on delivery. For example, when the customer “Taro Yamada” intends to purchase a product by credit card payment, the customer number “123” included in the order information.
4 ”(see FIG. 5B), and further obtains the credit number“ 5678 ”.
678... ”(See FIG. 6), and confirms that the customer“ Taro Yamada ”is permitted to purchase products with a credit card.

If the credit of the customer can be confirmed by these credit surveys, the next confirmation web page P (i +
Proceed to 3). If the credit of the customer cannot be confirmed, for example, information communication is performed with the mobile phone web server 22 via the Internet N1, and the display screen 10 of the mobile phone 1 indicates that the product cannot be purchased. A web page P (not shown) is displayed.

The credit credit information updating means performs information communication between the settlement institution server 3 and (the credit credit server 23 of) the store server 2 via the dedicated line N2. Credit credit information is updated. The update of the credit information may be performed, for example, every day, or may be performed at regular intervals. Further, the update of the credit information may be performed by night batch processing in consideration of the communication capacity of the dedicated line N2, the load of the store server 2, and the like.

Next, the customer selects the confirmation button of the web page P (i + 3) (T2-5). Web page P
(I + 3) includes an OK button and a cancel button together with the contents of the previous order. Here, as order contents,
Product name “brick”, unit price “60 yen”, order unit “640”
"Personal", the total amount (including tax) "40320 yen", the payment method "Credit card" or "Cash on delivery" are displayed. The customer confirms the order information, and if there is no error, selects the OK button. When the OK button is selected, information communication is performed with the mobile phone web server 22 via the Internet N1, and a message such as “Thank you for purchasing” is written on the display screen 10 of the mobile phone 1. A web page P (not shown) to be displayed is displayed. The exchange between the customer and the store ends here.

Next, the ordering means of the store server 2 makes an order for goods and a delivery request to the supplier server 4 (T2).
-6). First, upon receiving the order information from the mobile phone 1 of the customer, the ordering means assigns an order code specifying the order and stores it in the order processing server 25 as processing information. Further, the processing information also includes “customer number”, “product code”, and “order quantity” included in the order information (see FIG. 8). Note that in this state, the columns of “delivery information” and “payment information” of the processing information are both “not yet”. Second, the ordering means refers to the product information stored in the product information server 23 based on the “product code” included in the stored processing information (see FIG. 7), and deals with a transaction that is a supplier of the product. Check ahead. Third, the ordering means refers to the customer information stored in the customer management server 22 based on the “customer number” included in the stored processing information (see FIG. 5),
The “name” and “address” of this customer are confirmed. Fourth, the ordering means checks the order information including the "order code", "product code", "order quantity" included in the processing information and the "name" and "address" of the confirmed customer in the transaction confirmed earlier. The information is transmitted to the destination via the information communication network N3.

For example, for an order of a customer “Taro Yamada”, the ordering means uses an order code “ABC” specifying the order.
001 ”and the customer number“ 12 ”included in the order information.
34 ... ", product code" 0001 ", and order quantity" 6
40 ”are stored in association with each other as processing information of the order processing server 25 (see FIG. 8). The ordering means refers to the product information based on the stored product code "0001" (see FIG. 7), and confirms that the supplier (one of the business partners) of the product is "A company". The ordering means refers to the customer information based on the stored customer number “1234...” (See FIG. 5B), and confirms the name “Taro Yamada” and the address “Niigata Prefecture...” Of the customer. The order means includes an order code “ABC001” and a product code “0” included in the processing information.
001 ", the order quantity" 640 ", and the confirmed order information including the information of the customer's name" Taro Yamada "and the address" Niigata prefecture ... ", and the information communication network N3 to the confirmed business partner" A Shokai ". To send through.

FIG. 15B shows that (T2
-6), information transmitted from the store server 2 to the supplier server 4, that is, order information. As shown in the figure, the order information includes “product code”, “order unit”, “name”, and “address”, but does not include “credit card number”.

The supplier delivers the product based on the order information transmitted from the store server 2 (T3). That is, the product corresponding to the “product code” included in the order information is specified by the “name” and “address” included in the order information by the quantity of the “order unit” included in the order information. Delivery to the destination. Then, when the delivery to the customer is completed, the supplier server 4 transmits information indicating that the delivery of the product has been completed, that is, delivery completion information, to the store server 2 via the information communication network N3.
The delivery completion information includes an “order code”.

Here, when the payment method is a credit card, at the store, the settlement means of the store server 2 receiving the delivery information records the sales to the settlement institution server 3 (T4). First, upon receipt of the delivery completion information from the supplier server 4, the settlement means, based on the order code included in the delivery completion information, sends the order processing server 2
5 (see FIG. 8), and updates the delivery information from “not yet” to “done”. Second, the settlement means refers to the processing information based on the order code also included in the delivery completion information (see FIG. 8), and confirms the customer number of the customer who is the orderer of this order. Third, the settlement means refers to the customer information stored in the customer management server 22 based on the confirmed customer number, and confirms the credit card number of the customer. Fourth, the settlement means transmits to the settlement institution server 3 the sales information including the received “order code”, the confirmed “credit card number”, and the calculated “billed amount”.

FIG. 15C summarizes the sales information transmitted from the store server 2 to the settlement institution server 3 in this sales accounting (T4). As shown in the figure, this sales information includes “order code”, “billed amount”,
Although the “credit card number” is included, the security is ensured because the store server 2 and the settlement institution server 3 are connected by the dedicated line N2.

When the settlement institution server 3 makes a payment to the store based on the received sales information, it transmits the received information to the store server 2. This paid-in information includes the “order code”. Upon receiving the paid-in information from the clearing house server 3, the payment means refers to the processing information stored in the order processing server 25 based on the order code included in the paid-in information (see FIG. 8). Update payment information from "not yet" to "done".

On the other hand, when the payment method is the cash on delivery, after receiving the delivery completion information from the supplier server 4, the settlement means executes the order processing server based on the order code included in the delivery completion information. 25, the delivery information and the payment information are updated from “not yet” to “done”, respectively (see FIG. 8).

Regardless of the case where the payment method is a credit card or the case of payment for goods,
When the payment to the store is completed, the customer's cumulative purchase amount information (see FIG. 5) stored in the customer management server 22 is updated according to the payment amount. For example, when the customer “Taro Yamada” pays the total price “40320 yen” (including tax) as the price of the product, the settlement means updates the corresponding cumulative purchase price from “7 million” to “704” million.

As described above, in the present embodiment, the commercial transaction is performed via the Internet N1 using the information communication function of the mobile phones 1 (1) to (m) possessed by each customer. General subscriber telephone, facsimile, e-mail,
It is needless to say that the same commercial transaction as in the present embodiment can be performed by using the postal service, the call function of the mobile phones 1 (1) to (m), and the like. At the time of this commercial transaction, each customer can use the customer number (first member code) to place an order for a product, and avoid the risk of leakage of the credit card number (second member code) as in this embodiment. be able to.

Modification Example 1 In the embodiment, as the (first) credit information, payment-on-credit information indicating whether or not a customer can purchase a product by payment on delivery is stored as a part of the customer information. FIG. 5 (b)
In the first modification, as the (first) credit information, limit information indicating the upper limit of the price of a product that can be purchased by a certain customer by cash on delivery is stored. Further, in the embodiment, the payment-on-delivery credit information is not updated, but in the first modification, the limit information is based on the accumulated purchase amount stored in the customer management server 22 and the settlement information stored in the order processing server 25. Are updated. FIG. 16 illustrates how the limit information is updated. Hereinafter, FIG.
Modification Example 1 will be described based on FIG. The description of the same configuration and operation procedure as those of the embodiment is omitted.

FIG. 16A shows customer information stored in the customer management server 22 in the first modification in the form of a table including columns and rows. As in the embodiment shown in FIG. 5 (b), a customer number (first member code) issued by the store to the customer, the name of each customer, and the like are stored. Credit information) is stored. For example, the customer with the customer number “1234...” Has a cumulative purchase amount of “7,000,000 yen” at the store. It turns out that it is a circle.

When the commercial transaction is continuously performed between the customer and the store and the accumulated purchase amount exceeds “1000” million yen, the limit information updating means changes the limit information from “500,000 yen” to “1000”. "Is updated to 10,000 yen (see FIG. 16B).
Thereafter, if a commercial transaction is further performed between the customer and the store, and the customer does not pay for the product even after the payment deadline, the limit information updating unit sets the limit information to “100”. Update from 10,000 yen to "500,000 yen" (Fig. 16
(C)). Note that the presence or absence of payment from the customer is determined by referring to payment information corresponding to the customer number “1234...” Stored in the order processing server 25 after the payment deadline (see FIG. 8).

By updating the limit in accordance with the transaction results of the customer in this way, it is possible to achieve both secure payment and convenience for the customer.

[0078]

As described above in detail, according to the present invention, it is possible to achieve both the security of information and the convenience of transactions, even if the terminal has little hardware and software resources. A commerce system via an information communication network can be provided.

[Brief description of the drawings]

FIG. 1 is a conceptual diagram illustrating a configuration of a commercial transaction system according to an embodiment.

FIG. 2 illustrates a mobile phone as a customer terminal.

FIG. 3 is a text group of an e-mail stored in a store server (e-mail server) shown in FIG. 1;

FIG. 4 is a group of mobile phone web pages stored in the store server (mobile phone web server) shown in FIG. 1;

FIG. 5 shows customer information stored in a store server (customer management server) shown in FIG. 1;

FIG. 6 shows credit credit information stored in a store server (credit credit server) shown in FIG. 1;

FIG. 7 is product information stored in a store server (product management server) shown in FIG. 1;

FIG. 8 is processing information stored in the store server (order processing server) shown in FIG. 1;

FIG. 9 is a flowchart illustrating an operation procedure of the commercial transaction system according to the embodiment;

FIG. 10 illustrates a method for reaching a web page of a certain product.

FIG. 11 is a flowchart illustrating a second method up to the web page of a certain product illustrated in FIG. 10;

FIG. 12 is a flowchart illustrating a third method up to a web page of a certain product illustrated in FIG. 10;

FIG. 13 is a flowchart illustrating a procedure for ordering a product.

FIG. 14 is a view for explaining a transition of a display screen of a mobile phone when ordering a product.

FIG. 15 illustrates the contents of information exchanged between a store server and a mobile phone, and between the store server and another server.

FIG. 16 shows how limit amount information is updated.

[Explanation of symbols]

1 ... mobile phone, 10 ... display screen, 11 ... operation button group,
2 ... Reseller server, 20 ... E-mail server, 21 ... Web server for mobile phone, 22 ... Customer management server, 23 ...
Credit credit server, 24 ... Product management server, 25 ...
Order processing server, 3 ... settlement institution server, 4 ... supplier server

 ──────────────────────────────────────────────────続 き Continued on the front page (72) Inventor Hirokazu Koyamada 443-1 Ibarone, Shirane-shi, Niigata Prefecture, Komeri Business Unit Co., Ltd. (72) Inventor Tadashi 443-13-1 Ibarone, Shirane-shi, Niigata Prefecture Ato

Claims (10)

[Claims] 1. A commercial transaction system in which order information of a product is transmitted from at least a customer terminal to a sales institution server via an information communication network, wherein the sales institution server comprises: In addition to having customer information storage means for associating the customer with the second member code issued by the institution for each customer in advance, the order information includes the first member code and does not include the second member code A commercial transaction system characterized by the following. 2. Sales information of a product is transmitted from a sales institution server to a settlement institution server via an information communication network, and the sales institution server transmits customer information based on a first member code included in the order information. 2. The commercial transaction system according to claim 1, further comprising sales accounting means for referring to storage means and creating sales information including the corresponding second member code. 3. The commercial transaction system according to claim 2, wherein the information communication network between the sales institution server and the settlement institution server has higher information security than the information communication network between the customer terminal and the sales institution server. . 4. An information communication network between the sales institution server and the settlement institution server comprises only a telephone line or a dedicated line, and an information communication network between the sales institution server and the customer terminal has at least its own network. The commerce system according to claim 2 or 3, wherein the commerce system includes a part of the Internet. 5. The transaction system according to claim 1, wherein the customer terminal is a mobile phone having an information communication function. 6. The customer information storage means stores a telephone number of the mobile phone of each customer in advance, and the sales institution server stores the telephone number and the first number stored in the customer information storage means. The commercial transaction system according to claim 5, further comprising an authentication unit for authenticating the customer based on the member code, the telephone number and the first member code included in the order information. 7. The sales institution server has product information storage means for storing a product code for specifying each product, which is composed of a number sequence and / or a character string, and the order information includes the product code. Claim 1
6. The commercial transaction system according to any one of 6. 8. The customer information storage means prestores an e-mail address and attribute information of each customer, and the sales institution server sends an e-mail address to the customer selected based on the attribute information. The commercial transaction system according to any one of claims 1 to 7, further comprising an e-mail distribution means for transmitting an e-mail to the system. 9. The customer information storage means stores credit information for each customer in advance, and the sales server refers to the credit information to determine whether or not a transaction with the customer is possible. The commercial transaction system according to any one of claims 1 to 8, further comprising means. 10. The credit information includes limit information indicating a transaction limit with the customer, and updates the limit information based on information stored in the sales institution server. The commercial transaction system according to claim 9, comprising: