JP2002259870A - Commerce system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To eliminate the need for disclosing individual information with a high level of importance during commerce between individuals, while strictly controlling commerce processes, and preventing illegal intervention of third parties. SOLUTION: An entrepreneur 1 issues a contract ID matching a sales contract between users 2l and 2m , and encrypts the contract ID using a first encryption key to write the ID onto the card of a buyer/user through a communication network 10 including the Internet. The contract ID not yet encrypted and either the first encryption key or a first decryption key corresponding to the first encryption key are transmitted to a store used by the buyer/user. The buyer/user carrying the card with him either pays the bill or receives merchandise after being authenticated at the store. When a vendor/user either receives merchandise delivery services at the store which the vendor/user uses or receives the bill, the vendor/user is similarly authenticated using a second encryption key and a second decryption key.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a commercial transaction system and, more particularly, to a commercial transaction system in which goods are bought and sold between individuals via a communication network.

[0002]

2. Description of the Related Art Conventionally, when a general individual concludes a sales contract between individuals via a communication network at an Internet auction or the like, after the contract is concluded, the parties to the contract communicate with each other to pay the price. And the delivery method of the product was decided. Therefore, the parties who have concluded the sales contract exchanged personal information with each other.

[0003] In one example of a conventional commerce system,
After confirming the arrival of goods from the seller user using a dedicated confirmation system, and further confirming the contents of the goods,
A system has been introduced in which a seller user pays the price kept by a buyer user.

[0004]

By the way, in the method of the conventional commercial transaction system, after a sales contract is concluded, parties in the contract communicate with each other to determine a payment method and a product delivery method. It was necessary to deal with troublesome processing.

[0005] Further, there is a problem in the credibility of information exchanged between the parties at the time of concluding or after the conclusion of the sales contract, which is an important factor in the interpersonal commerce through a communication network including the Internet network. Barriers.

[0006] That is, due to a problem in the credibility of the information disclosed by the party who has concluded the sales contract, there have been cases in which the payment has not been made or the contracted goods have not arrived.

Further, a commercial transaction system for confirming the arrival of goods from a seller user using a conventional dedicated system for confirmation, confirming the contents of the goods, and then paying the seller user the price kept by the buyer user. In such a case, it is necessary to notify the seller user of important personal information such as the current address and bank account of the buyer user as a delivery destination of the product, and the personal information is leaked to the other party or a third party or is misused. The fear had not been resolved.

[0008] Further, it is necessary to consider that a malicious third party impersonating a party may remove goods or payments at a store used by the party after intercepting the conclusion of a sales contract on a communication network. It was a task to be done.

SUMMARY OF THE INVENTION The present invention has been made in view of the above-described problems in the conventional commercial transaction system, and has made it unnecessary to disclose highly important personal information in a commercial transaction between individuals, and to promote the commercial transaction process. It is an object of the present invention to provide a business transaction system capable of strictly managing the information and preventing illegal intervention of a third party.

[0010]

According to the present invention, in order to solve the above-mentioned problems, a business operator, a plurality of users who can be sellers and buyers, and one or more stores which can be used by the users are provided. Registration means for receiving registration as said user by sending an e-mail address and a store to be used by an individual to said business operator; Means for issuing a contract ID corresponding to the established sales contract when the sales contract is established between the user and the information storage medium owned by the buyer user in the sales contract between the users. Means for writing information obtained by encrypting an ID with a first encryption key, sending the contract ID and the first encryption key to a shop where the buyer user uses, a sales contract between the users, Write the information obtained by encrypting the contract ID with the second encryption key into the information storage medium owned by the seller user, and send the contract ID and the second encryption key to the store where the seller user uses. Means for providing a commercial transaction system.

[0011] In the commercial transaction system, the shop used by the buyer user uses the first encryption key sent from the business operator when the buyer user pays the price and delivers the product to the buyer user. Executes means for authenticating the buyer user by decrypting information recorded in the information storage medium owned by the buyer user and checking this information against a contract ID sent from the business operator. It is possible to

[0012] Further, in the commercial transaction system, the seller's user's store may receive the merchandise from the seller's user, send it to the buyer's user's store, and pay the seller user the price. The information recorded in the information storage medium owned by the seller user is decrypted by the second encryption key sent from the trader, and this information is compared with the contract ID sent from the business operator. Thereby, it is possible to execute the means for authenticating the seller user.

[0013] Further, in the commercial transaction system, means for preventing the buyer user from acquiring the right to receive the commodity until the buyer user deposits the price of the commodity into the shop where the buyer user uses. Can be provided.

Further, in the commercial transaction system, the buyer user confirms that the content of the product received by the buyer user conforms to the sales contract, and informs the buyer of the buyer user that the content of the product conforms to the sales contract. Until the notice, the seller user may be provided with a means for preventing the seller user from acquiring the right to receive the price.

That is, according to the present invention, a plurality of users (individuals) who can be both sellers and buyers register with a business operator who operates and manages the commercial transaction system prior to use of the commercial transaction system, and register user IDs. And a password is issued. However, at the time of this registration, the user discloses (sends) only the user's e-mail address and the name of the store in use, and does not disclose any other personal information. Thereafter, when the sales contract between the users is established, the business operator allocates a contract ID corresponding to the sales contract, encrypts the contract ID with the first encryption key, and stores the information owned by the buyer user of the sales contract. Write to a storage medium (hereinafter referred to as “card”). Thereafter, the contract ID is also encrypted and written into the card owned by the seller user using the second encryption key. Further, the non-encrypted contract ID and the first encryption key or the first decryption key corresponding to the first encryption key are sent to the buyer user's store, and the encrypted An uncontracted contract ID and a second encryption key or a second decryption key corresponding to the second encryption key are sent.
Thereafter, when performing payment of the price by the buyer user, delivery of the product to the buyer user, receipt and delivery of the product from the seller user, payment of the price to the seller user, etc. A seller user's store intervenes, and the first encryption key or the first decryption key corresponding to the first encryption key, or the second encryption key or the second decryption key corresponding to the second encryption key Decrypts the encrypted contract ID recorded on the card with the non-encrypted contract ID previously transmitted to these stores to authenticate the buyer user or the seller user, respectively. In addition, by providing a means for confirming that these users are indeed related to the sales contract, disclosure of important-level personal information is unnecessary when conducting commercial transactions between individuals. , And strictly manage the progress of the Shoto transaction, and to deal in the sales contract, it is made possible to prevent the illegal intervention of a third party.

[0016]

DESCRIPTION OF THE PREFERRED EMBODIMENTS In this commercial transaction system, first,
Multiple users of this commerce system (hereinafter "users")
) Individually carry a portable information storage medium (hereinafter, referred to as a “card”) such as an IC card or a semiconductor memory, and is an operation manager of the transaction system. User registration is performed for a company that manages the information and the progress of the transaction. In this registration, only the user's e-mail address and information for identifying the store used by the user (hereinafter referred to as “store name”) are disclosed (sent), and the user's current address, bank account, etc. There is no need to disclose any personal information.

When users enter into a sales contract for goods using an Internet auction or the like, the business operator sets a contract ID (an identification number for identifying the sales contract) corresponding to the sales contract.
Is issued, the contract ID is encrypted with the first encryption key, and written to the buyer user's card via the communication network including the Internet network. Also, the contract ID before encryption
And the first encryption key or the first decryption key corresponding to the first encryption key are transmitted to the shop where the buyer user uses. The buyer user holds the card and is authenticated at a store registered in advance (that is, a store used by the buyer user), and then pays the price.

Further, the business operator confirms the payment of the buyer user at the store via the communication network, and then encrypts the contract ID and the store information of the buyer user on the card of the seller user using the second encryption key. And write. Further, the contract ID before encryption and the second encryption key or the second decryption key corresponding to the second encryption key are transmitted to the store where the seller user uses. The seller user brings his own card and merchandise to his / her registered store, receives authentication at the store, and receives a delivery service of the brought product at the store.

As a result, the merchandise is delivered from the shop where the seller user uses to the shop where the buyer user uses, and is delivered to the buyer user. Thereafter, the buyer user confirms the contents of the delivered product, and then notifies the business operator that the product conforming to the sales contract has been received.
Thus, the business operator issues a right to receive the price to the seller user, and the seller user receives the price at his / her own store.

If the buyer does not make a payment, if the seller does not send the product, or if the product is significantly different from the contract, the trading process does not proceed and the final The goods and price can be returned to the original owner.

[0021] Thus, the user can safely and reliably establish a commercial transaction (trade of goods) while maintaining the anonymity which is a feature of the communication network.
A service fee can be charged to the user as a price for causing the user to use this system.

The buyer user and the seller user are both
A plurality of stores can be registered and used. Hereinafter, embodiments of the present invention will be described with reference to the drawings.

FIG. 1 is a block diagram showing the overall configuration of a commercial transaction system according to an embodiment of the present invention. The commerce system according to the present embodiment includes a company 1 that operates and manages a commerce system and a user 2 that can be a seller and a buyer.
₁ to 2 _m and, available to the user one or more of the store 3 ₁ to 3 _n
And a communication network 10.

The company 1 has a server 11 of its own or outsourcing, and the server 11 includes a server information processing system 111 connected to the communication network 10 and managing information in the entire system.

The users 2 ₁ to 2 _m communicate with the communication network 10
User terminals 21 _{1 to} 21 _m connected to the
Card readers / writers 22 _{1 to} 22 _m connected to _{11 to} 21 _m , respectively, and cards 23 ₁ to 23 _m read and written by the card readers / writers 22 _{1 to} 22 _m , respectively.

The stores 3 _{1 to} 3 _n include a store terminal 31 _{1 to} 31 _n connected to the communication network 10 and a store terminal 31.
Card readers 32 _{1 to} 3 connected respectively to _{1 to} 31 _n
2 _n (assumed to be able to read the above-described card 23 ₁ ~ 23 _m) and a.

The communication network 10 can include the Internet. Hereinafter, functions of main components of the commercial transaction system according to the present embodiment will be described. User 2 ₁ ~2 _m, it is assumed that for the operators 1, is carried out user registration. Upon registration, the user 2 ₁ ~2 _m shall send only the stores that use the e-mail address of the registered user (store name of use to store out of the store 3 ₁ ~3 _n) (disclosure).

The business 1 issues a user ID and a password to each of the registered users (these are necessary for authentication when the business writes information on a user's card). Information).

The server 11 transmits the contract ID, the payment information, the product delivery information, and the like through the communication network 10.
It has a function of acquiring from the stores 3 _{1 to} 3 _n and notifying each of the users who have concluded the above-mentioned sales contract the payment status, the product sending status, and the like.

The server 11 has a function of generating the above-mentioned contract ID corresponding to the sales contract when the sales contract of the user is established. Further, the server 11
It has a function of converting the contract ID, the price receiving right, the merchandise receiving right, and the used store information into data and transmitting the data to the user terminal of the user.

The store terminals 31 _{1 to} 31 _n installed in the stores 3 _{1 to} 3 _n are transmitted from the server 11 to the communication network 10.
User 2 ₁ after receiving the encryption key sent via
The encrypted data recorded on the cards 23 ₁ to 23 _m owned by the user 2 ₁ to 2 _m is read through the card readers 32 _{1 to} 32 _n and the user 2 ₁ to 2 _m is read using the received encryption key.
2 _m is assumed to have a function to decrypt the encrypted data recorded on the card 23 ₁ ~ 23 _m owned.

The store terminals 31 _{1 to} 31 _n installed in the stores 3 _{1 to} 3 _n have a function of notifying the server 11 of user's payment information and merchandise dispatch information. Furthermore, the user terminal 21 ₁ through 21 _m of the user 2 ₁ to 2 _m, together with the user 2 ₁ to 2 _m each other, handles communication operations necessary for connecting the sales contract via the communication network 10, the card reader / to read and write information about the writer 22 ₁ sale and purchase agreement to ~22 _n.

FIG. 2 is a processing procedure diagram showing information, price, and flow of goods in the commercial transaction system according to the embodiment of the present invention. Hereinafter, a description will be given of a processing procedure in which the information, the price, and the flow of goods in the commercial transaction system according to the present embodiment are described.

[0034] In FIG. 2, the buyer user 201 and sellers user 202, respectively correspond to one of the user 2 ₁ to 2 _m above, buyer utilizes a store 203 and sellers use store 204
Each correspond to one of the store 3 ₁ to 3 _n of the foregoing,
The card (without a sign) is the same as the card 23 described above.
_It shall correspond to any one of ₁ to 23 _m .

The uppercase alphabet indicates the order of processing (in alphabetical order) (however, when this processing procedure is specified in the description, it indicates the processing (operation) in the processing procedure).

First, in (procedure) of the processing procedure A, when users enter into a sales contract with each other using an Internet auction or the like, the business 1 sets a unique number (hereinafter referred to as “contract”) corresponding to the sales contract. ID), and transmits the information I1 obtained by encrypting the contract ID to the user terminal of the buyer user 201 via the server information processing system 111 in the server 11 and the communication network 10. In response, the user terminal of the buyer user 201
The information I1 is written on the card of the buyer user 201 via the connected card reader / writer. As described above, the business operator can register the registered user with the user ID
And the password, the information I1 obtained by encrypting the contract ID with the first encryption key can be written to the card of the buyer user 201. At this time, the operator 1
Is the information I for the shop terminal of the shop 203
A first encryption key capable of decrypting 1 or a set of a first decryption key corresponding to the first encryption key and a contract ID is transmitted via the communication network 10. In response to this, the store terminal of the buyer use store 203 stores the set information.

In the processing procedure B, the buyer user 201 checks the card owned by himself / herself and the price M1 of the product desired to be purchased.
Is brought to the buyer's store 203, the card is presented, and the price M1 is paid. A first encryption key or a set of a first decryption key corresponding to the first encryption key and a contract ID is transmitted to the store terminal of the buyer use store 203 in advance and is stored. Accordingly, the store terminal can correctly decode the information I1 (that is, the encrypted contract ID) recorded on the card brought by the customer (that is, is sent and stored ahead of time). The customer (buyer user 201) who came to the store can be authenticated as a valid buyer (by matching with the contract ID).

Note that the store terminal also records the encryption key or the decryption key of another user.
Can select a first encryption key or a first decryption key corresponding to the first encryption key from a card identification number (not shown) recorded on the card brought by the user.

In the processing procedure C, the buyer use store 203
The payment information when the buyer user 201 has paid in the buyer use store 203 is transmitted to the server information processing system 111 in the server 11 of the company 1 via the store terminal and the communication network 10.

In the processing procedure D, the company 1 sends a notification that the buyer user 201 has made a deposit to the server information processing system 111 in the server 11 and the communication network 10.
To the user terminal of the seller user 202 to prompt the user to obtain necessary information and deliver the product. The business entity 1 sends to the seller user 202 information I5 encrypted with a second encryption key different from the one used for the buyer user 201 using the contract ID and the buyer's store information for the buyer. The seller user 202 also performs user registration in the same manner as the buyer user 201, and this information I5 can be reliably written on the card of the seller user 202. At the same time, operator 1
The second encryption key or the second
The information I4 in which the second decryption key corresponding to the encryption key and the contract ID are set is sent via the communication network 10 to the server information processing system 111 in the server 11.

In the processing procedure E, the seller user 202 brings the merchandise G1 and his / her own card to the seller use store 204. The store terminal of the seller use store 204 decrypts the contract ID recorded on the card with the second encryption key transmitted in advance or the second decryption key corresponding to the second encryption key, and sends the decrypted contract ID in advance. By comparing with the contract ID, the seller user 202 is authenticated, and the destination store information on the destination store is decoded.

The store terminal also records the encryption key or the decryption key of another user.
Can select a second encryption key or a second decryption key corresponding to the second encryption key from a card identification number (not shown) recorded on the card brought by the user.

In the processing procedure F, the seller-use store 204 that has received the product G1 performs the shipping operation of the product G1 based on the decrypted destination store information, and sends the product G1 from its own store terminal to the server 11 of the business 1. Server information processing system 1
11, the notification I6 indicating that the delivery work of the seller user 202 has been completed is transmitted.

In the processing procedure G, the business entity 1 encrypts, using the first encryption key, the notification from the seller user 202 that the work of sending out the product G1 has been completed and the information obtained by converting the receiving right of the product G1 into data. The information I7 is transmitted to the user terminal of the buyer user 201 via the server information processing system 111 in the server 11 and the communication network 10. In response to this, the user terminal of the buyer user 201 writes the information I7 on the card of the buyer user 201 via the connected card reader / writer. Note that the transmission of the information I7 is performed in consideration of the time (date and time) when the product G1 arrives at the buyer use store 203.

When the buyer user 201 brings this card to the buyer-use store 203 and presents it, the buyer-use store 203
Reads out the data in the card presented by the buyer user 201 with the card reader of the shop,
Decrypts with the encryption key or the first decryption key of the above, performs the same collation as the above-mentioned collation, authenticates the buyer user 201, and confirms that the buyer user 201 has the right to receive the commodity G1. I do.

In the processing procedure H, the buyer user 201 can receive the commodity G1 as long as the card has a right to receive the right to receive. At the time of this authentication, processing procedure A
Use the same first encryption key or the first decryption key corresponding to the first encryption key sent in step (1). Therefore, the authentication verifies whether or not the contract ID recorded on the card presented by the buyer user 201 can be decrypted with the first encryption key or the first decryption key (that is, the contract ID that has been decrypted and , Collation with a contract ID sent in advance).

In the processing procedure I, the buyer user 201 confirms that there is no mistake in the content of the received product G1, and when there is no mistake, the information I8 to that effect is stored in the server 11 of the business 1 Server information processing system 111
To the user terminal via the communication network 10.

In the processing procedure J, the business 1
The information I9 indicating that the buyer user 201 has made a confirmation is transmitted to the user terminal of the seller user 202 via the server information processing system 111 and the communication network 10. In response to this, the user terminal of the seller user 202 additionally writes information I9 obtained by digitizing the right to receive the payment and encrypting it with the second encryption key on the card of the seller user 202.

When the seller user 202 brings the card to the seller-use store 204, the seller-use store 204 reads out the data in the card using the card reader of the store, decrypts the code, and performs the same processing as in the above-described verification. And confirms that the card of the seller user 204 has the right to receive the payment.
As the encryption key for this decryption, the same second encryption key or second decryption key sent in the processing procedure D is used.

In the processing procedure K, after confirming that the card of the seller user 202 has properly obtained the right to receive the price, the seller user 202 receives the price M2 from the store 204 using the seller.

At this time, in the processing procedure B, the buyer user 2
The amount obtained by subtracting the service charge from the price M1 of the product received by 01 becomes the price M2 received by the seller user 202.
In the above-described embodiment, the service charge is reduced by transferring the service charge M2 obtained by subtracting the service charge from the charge M1 contracted between the buyer user 201 and the seller user 202 to the seller user 202. However, in the present invention, the buyer user 20
The service fee can be collected from the buyer user 201 by allowing the buyer user 201 to deposit the sum of the service fee and the amount M1 contracted between the buyer user 201 and the user M1. Further, both can be used in combination.

Next, the operation of the system when the buyer user 201 does not make a payment will be described (however, illustration is omitted). If the buyer user 201 does not make a payment, the buyer user 201 is urged after a certain period of time, but if there is still no payment, the sales contract is canceled. At this time, since only the processing procedure A is performed in the system, even if the sales contract is canceled, neither the seller user 202 nor the business operator 1 suffers any damage. Business 1
Notifies the seller user 202 that the contract has been destroyed.

The buyer user 201 determines the price M1 in the processing procedure B.
If the seller user 202 has not sent the product G1 after making the payment, the system has performed up to the processing procedure D at this time. In this case, the business operator 1 urges the seller user 202 after a certain period of time has elapsed, but if the seller user 202 still does not send the product, the sales contract is canceled. Thus, the business entity 1 notifies the buyer user 201 that the above-mentioned sales contract has been destroyed, and writes the information obtained by converting the payment right into data and encrypting it on the card of the buyer user 201. Buyer user 201
Brings this card to the buyer's store 203 and pays M
Get a refund of 1.

Next, the operation of the system when the buyer user 201 obtains the product G1 but the content of the product G1 is significantly different from the sales contract will be described (however, illustration is omitted).

When the buyer user 201 obtains the product G1, but the content of the product G1 is significantly different from the sales contract, the buyer user 201 notifies the business operator 1 in processing procedure I. The business entity 1 encrypts the store information on the seller-use store 204 and the right to receive the price M1 with the first encryption key on the card of the buyer user 201 and writes the same. At the same time, the contract is destroyed, and the product G1 is returned. Is transmitted to the buyer-use store 203.

The buyer user 201 selects the product G1 to be returned.
Is brought to the buyer's store 203 and the buyer's store 203
After receiving the same authentication as the above, the product G1
And a refund of the price M1 from the shop 203 using the buyer.

The buyer-use store 203 notifies the business operator 1 that the procedure for returning the merchandise G1 and the refund of the price M1 have been completed, and stores the store information on the seller-use store 204 read from the card of the buyer user 201 and decoded. The returned merchandise G1 is sent to the indicated store (that is, the seller use store 204).

The business 1 sends a message to the seller user 202
The product G1 is notified that the product G1 is to be returned, and the right to receive the product G1 is converted into data and written on the card of the seller user 202 and encrypted with the second encryption key.

The seller user 202 brings the card to the seller use store 204, receives the same authentication as the above-described authentication, and receives the returned merchandise G1. Who pays for the fees and shipping costs when this return is made
Can be arbitrarily selected according to the concept of Also, the company 1 can arbitrarily select whether or not to accept the return.

In the commercial transaction system according to the present embodiment,
Each of the users can securely and securely perform transactions between users without disclosing important personal information such as the current address and a bank account.

On the other hand, the business operator who operates and manages the system can provide a secure and highly anonymous business transaction system to each of the registered users, so that business transactions between individuals can be activated. At the same time, it is possible to operate the system safely and securely, and it can be expected that the revenue from the service fee will surely increase.

A program for causing each of the various terminals and computers in the system to perform the above-described processing, such as a program for executing the processing shown in the processing procedure of FIG. It may be stored and distributed on a computer-readable recording medium such as a magnetic tape or a magnetic tape. A computer including at least a microcomputer, a personal computer, and a general-purpose computer may read the program from the recording medium and execute the program.

[0063]

As described above, in the present invention, a registered user discloses only his / her own e-mail address and the name of a store to be used when registering with a business operator who operates and manages the system. Is issued a contract ID for the established sales contract each time a sales contract is concluded between users, and writes information obtained by encrypting the contract ID on a card owned by the user. After sending the contract ID and the encryption key, the user's store intervenes in the process and decrypts and verifies the encrypted contract ID recorded on the card.
Transactions between users can be performed safely and securely without disclosing important personal information such as the current address and bank account.

Further, there is an effect that it is possible to prevent the intervention of (illegal) third parties other than the parties to the sales contract during the commercial transaction. Further, there is an effect that a sales contract between users can be simplified.

In addition, the business operator can provide a secure and highly anonymous business transaction system to each of the registered users.
The system can be operated securely and the revenue from the service fee can be reliably increased.

[Brief description of the drawings]

FIG. 1 is a block diagram showing an overall configuration of a commercial transaction system according to an embodiment of the present invention.

FIG. 2 is a processing procedure diagram in which information, a price, and a flow of a product in the commercial transaction system according to the embodiment of the present invention are described.

[Explanation of symbols]

1 ...... operators, 10 ...... communication network 11 ...... server, 2 ₁ to 2 _m ...... user, 3 ₁ to 3 _n ...... shop, 111
... Server information processing system, 201 ... Buyer user, 202 ... Seller user, 203 ... Buyer use store,
204: seller use store, 21 _{1 to} 21 _m ... user terminal, 22 _{1 to} 22 _m ... card reader / writer, 23 ₁ to 23
23 _m ...... card, 31 ₁ ~31 _n ...... shop terminal, 32 ₁
~ 32 _n ... card reader, G1 ... products, I1 to I9
…… Information, M1… Price (payment price), M2 …… Price (receipt price)

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 512 G06F 17/60 512 H04L 9/08 H04L 9/00 601B 9/32 673E 675A

Claims (9)

[Claims] 1. A commerce system in which a business, a plurality of users who can be sellers and buyers, and one or more stores that can be used by the users are connected to each other via a communication network. Registration means for receiving registration as the user by sending the mail address of the user and the store to be used to the business; and when the sales contract between the users is made, the business is made Means for issuing a contract ID corresponding to the sales contract, and writing information obtained by encrypting the contract ID with a first encryption key into a portable information storage medium owned by the buyer user in the sales contract between the users. Means for sending the contract ID and the first encryption key to the shop where the buyer user is used; and portable information owned by the seller user in the sales contract between the users. Means for writing, into a storage medium, information obtained by encrypting the contract ID with a second encryption key, and sending the contract ID and the second encryption key to a store used by the seller user. A commercial transaction system characterized by the following. 2. The shop where the buyer user uses the first encryption key which has been sent from the business operator when the buyer user pays for the price and delivers the product to the buyer user. Decrypting the information recorded in the information storage medium, and comparing this information with the contract ID sent from the business operator,
2. The commercial transaction system according to claim 1, further comprising executing means for authenticating the buyer user. 3. The seller's user's store receives the merchandise from the seller's user, sends it to the buyer's user's store, and pays the seller user for payment. By decrypting the information recorded in the information storage medium owned by the seller user using the second encryption key, and collating this information with the contract ID sent from the business operator, the seller 2. The method according to claim 1, further comprising: executing means for authenticating the user.
Commerce system described. 4. A means for preventing the buyer user from acquiring the right to receive the product until the buyer user deposits the price of the product into the store where the buyer user is used. The commercial transaction system according to claim 1, wherein: 5. The buyer user confirms that the content of the product received by the buyer user conforms to the sales contract, and notifies the buyer user's store of the fact until the buyer user confirms the content of the product. 2. The commercial transaction system according to claim 1, further comprising means for preventing a seller user from acquiring the right to receive the price. 6. The buyer user, by referring to the information storage medium identification number recorded on the information storage medium brought by the customer, from the record including the encryption key or the decryption key of another user, The first encryption key or the first encryption key
2. The commercial transaction system according to claim 1, wherein a first decryption key corresponding to the encryption key is selected. 7. The seller user, by referring to the information storage medium identification number recorded on the information storage medium brought by the customer, from the record including the encryption key or the decryption key of another user, The second encryption key or the second encryption key
2. The transaction system according to claim 1, wherein a second decryption key corresponding to the encryption key is selected. 8. The commercial transaction system according to claim 1, wherein said communication network includes an Internet network. 9. The business operator includes a server including a server information processing system, and each of the users includes a user terminal and a card that is one type of the information storage medium;
2. The commercial transaction according to claim 1, further comprising a read / write device capable of inputting / outputting information to / from the card, and wherein each of the stores includes a store terminal and a reading device capable of reading the information storage medium. system.