JP2005100236A - Credit processing method in electronic commerce system and electronic commerce system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide a credit method capable of preventing commodity/money fraud in electronic commerce transaction on the Internet and capable of processing credit for a commodity purchased from an optional seller and that for a payment value of the commodity purchased from the optional seller. <P>SOLUTION: This electronic commerce system is provided with steps for receiving information about a merchandise requested for purchase by a purchaser terminal device and transmitting it to a seller device; transmitting a payment value and a transaction account for the merchandise requested for purchase by a seller device; transmitting transaction processing to a financial institution credit processing device from the purchaser terminal device; receiving credit processing for the payment value by the financial institution credit processing device; receiving merchandise credit processing of merchandise dispatched from a seller to a merchant by a merchant credit processing device. <P>COPYRIGHT: (C)2005,JPO&NCIPI

Description

  The present invention relates to a credit processing method and an electronic commerce system in an electronic commerce system in which a purchaser purchases a product or service provided by a seller of the product via a network such as the Internet.

With the rapid increase in Internet users, electronic commerce using the Internet is expanding. However, if the seller is malicious, it may be impossible to deliver a product that has undergone the purchasing procedure, or the paid price may be taken away. In addition, when the purchaser is malicious, troubles occur frequently, such as not paying the price, and taking away the delivered product without paying the price, which has become a social problem.
In large-scale commercial transactions, there is a method in which sellers and buyers have different credit institutions to authenticate sellers and buyers using the same authentication method, and the transaction is concluded, but there are many unspecified numbers on the Internet. For a small individual transaction, it is too much work for all credit institutions around the world to adopt the same authentication method and to authenticate all the traders in advance. There is also a difference, which is not realistic.
In Japan, we are trying to check the seller by registering the seller's device and transaction site, or receiving the certification that it is a secure site, but it is safe enough from the buyer's point of view. In addition, dealing with an unspecified number of buyers with unknown identities is not safe enough for the seller. In other words, personal authentication that is now widely used is a method in which personal information such as a bank account number or a credit card number of a buyer is sent to a settlement institution via a seller device or a seller site, and credit is received from the settlement institution. This is effective in protecting sellers and credit institutions from malicious buyers. However, from the point of view of protecting the purchaser, the personal information of the purchaser is sent unprotected to the seller, and if the seller is malicious, a fraudulent price increase using credit information is performed. It is not possible to guarantee the buyer's safe business transactions. Therefore, a method has been proposed in which personal authentication necessary for purchasing a product is performed without transmitting the purchaser's personal information to the seller device or the seller site (see, for example, Patent Document 1).
JP 2001-217826 A

In the method disclosed in the above publication, with regard to the payment method using credit settlement and Internet banking, the buyer makes a reservation for the designated transfer when the malicious seller does not deliver the product by the due date. Self-defense measures such as cancellation can be taken.
However, there is no consideration for the settlement method such as bank transfer, convenience store transfer, etc., preventing the abuse of electronic commerce system such as the purchaser who is malicious and paying off the delivered goods and running away.
The object of the present invention is to prevent price fraud or merchandise fraud when conducting electronic commerce on a network such as the Internet, and also to pay for the payment of merchandise including the use of a convenience store transfer. An object of the present invention is to provide an electronic commerce system credit processing method and an electronic commerce system capable of performing credit and credit for delivery of products purchased from an arbitrary seller.

In order to achieve the above object, the credit processing method of the electronic commerce system according to the present invention is managed by a purchaser terminal device used by a product buyer, a seller device operated by a product seller, and a financial institution. A financial institution device and a distributor device managed by the distributor, and the buyer in the financial processing device responds to a purchase request of the buyer for the product presented by the seller device to the buyer terminal device via the network. This is a credit processing method in an electronic commerce system in which a transfer process is performed on a seller's account, a delivery process of a product purchased by the purchaser from the seller is performed in the distributor device, and a commercial transaction is established between the buyer and the seller. And
In the first step of receiving merchandise information desired to be purchased in the buyer terminal device and transmitting it to the merchant device that provides the desired merchandise information, and in the merchant device that has received the merchandise information desired to purchase selected by the buyer. A second step of creating unique commercial transaction information including a payment consideration related to a product desired to be purchased and returning it to the purchaser terminal device of the product purchase request source, and a payment consideration for the product purchased by the purchaser in the financial institution device Is received from the buyer by the payment date set by the seller according to the unique commercial transaction information, it is determined whether or not the transaction is possible based on the determination, and the determination result is sent from the financial institution apparatus to the distributor. And a third step of transmitting to the apparatus.
Further, in the third step, according to the determination result of whether or not the transaction is possible, a delivery permission notice or a delivery rejection notice for permitting delivery of goods to the purchaser from the financial institution apparatus to the distributor is provided. It is characterized by that.

In addition, a first step of receiving product information desired to be purchased at the buyer terminal device and transmitting the information to the seller device providing the desired product information for purchase, and a seller who has received the product information desired to purchase selected by the buyer In the apparatus, a second step of creating unique commercial transaction information including payment consideration related to the commodity desired to be purchased and returning it to the buyer terminal device of the commodity purchase request source, and for the commodity purchased by the purchaser in the financial institution apparatus It is determined whether the payment consideration has been received from the purchaser by the payment date set by the seller according to the unique commercial transaction information, it is determined whether or not the transaction is possible based on the determination, and the determination result is obtained from the financial institution device. The third step of transmitting to the distributor device, and confirming whether the purchased product is delivered to the distributor in the buyer terminal device, and the distributor based on the determination result Characterized in that it comprises a fourth step of transmitting a payment permission notification to product delivery permission notice, or financial institution system with respect to location.
Further, in the third step, a delivery permission notice or a delivery rejection notice for permitting delivery of goods from the financial institution apparatus to the distributor is sent from the financial institution apparatus to the distributor equipment according to the determination result of whether or not the transaction is possible. And

In addition, a first step of receiving product information desired to be purchased at the buyer terminal device and transmitting the information to the seller device providing the desired product information for purchase, and a seller who has received the product information desired to purchase selected by the buyer In the apparatus, a second step of creating unique commercial transaction information including payment consideration related to the commodity desired to be purchased and returning it to the buyer terminal device of the commodity purchase request source, and for the commodity purchased by the purchaser in the financial institution apparatus It is determined whether the payment consideration has been received from the purchaser by the payment date set by the seller according to the unique commercial transaction information, it is determined whether or not the transaction is possible based on the determination, and the determination result is obtained from the financial institution device. The third step of transmitting to the distributor device, and determining whether the distributor device has received the receipt confirmation of the goods from the buyer device, and according to the determination result, Serial characterized in that it comprises a fourth step of transmitting a payment authorization notification or withdrawal rejection notice to the seller financial institutions apparatus.
Further, in the third step, a delivery permission notice or a delivery rejection notice for permitting delivery of goods from the financial institution apparatus to the distributor is sent from the financial institution apparatus to the distributor equipment according to the determination result of whether or not the transaction is possible. And
In addition, in the fourth step, when a receipt confirmation of a product is received from the purchaser device, a delivery completion notification is transmitted to the seller device of the seller.

An electronic commerce system according to the present invention includes a purchaser terminal device used by a product buyer, a seller device operated by a product seller, a financial institution device managed by a financial institution, and a distributor device managed by a distributor. And the distributor device performs a transfer process to the seller's account in the financial processing device in response to a purchaser's product purchase request for the product presented by the seller device to the buyer terminal device via the network, and the distributor device In the electronic commerce system in which the purchaser performs the delivery processing of the product purchased from the seller in order to establish a commercial transaction between the buyer and the seller,
The buyer terminal device is
Means for receiving commodity information desired to be purchased from the seller device and transmitting it to the seller device;
The merchant device is
Means for receiving product information desired to be purchased selected by the buyer, creating unique commercial transaction information including payment consideration related to the product desired to purchase, and returning it to the purchaser terminal device of the product purchase request source;
The financial institution apparatus is
It is determined whether the payment consideration for the product purchased by the purchaser has been received from the purchaser by the payment date set by the seller according to the unique commercial transaction information, and whether or not the transaction is possible is determined based on the determination, Means for transmitting the determination result to the distributor device.

In addition, the buyer terminal device
Means for receiving commodity information desired to be purchased from the seller device and transmitting it to the seller device;
The merchant device is
Means for receiving product information desired to be purchased selected by the buyer, creating unique commercial transaction information including payment consideration related to the product desired to purchase, and returning it to the purchaser terminal device of the product purchase request source;
The financial institution apparatus is
It is determined whether the payment consideration for the product purchased by the purchaser has been received from the purchaser by the payment date set by the seller according to the unique commercial transaction information, and whether or not the transaction is possible is determined based on the determination, Means for transmitting the determination result to the distributor device;
The distributor device is
Determining whether or not a receipt confirmation of goods has been received from the purchaser device, and sending a withdrawal permission notification or withdrawal refusal notification to the seller to the financial institution device according to the determination result; It is characterized by providing.

According to the present invention, when performing electronic commerce on a network such as the Internet, a delivery credit for a product purchased by any buyer from any seller and a product purchased by any buyer from any seller The payment credit for the payment consideration can be performed, and price fraud and product fraud can be prevented.
Moreover, even when using a convenience store transfer, it is possible to perform a payment credit for a payment price and a credit for delivery of goods.

Hereinafter, an embodiment for carrying out the present invention will be specifically described with reference to the drawings.
FIG. 1 is an overall configuration diagram showing an embodiment of an electronic commerce system to which the present invention is applied.
The system shown in FIG. 1 shows the basic configuration of an electronic commerce system to which the present invention is applied, a seller device 1 of a seller who sells / provides goods and services, and a finance that performs credit processing for payment. The financial credit processing device 2 of the institution, the distribution credit processing device 4 of the distributor that performs credit processing of merchandise delivery, and the purchaser terminal device 3 of the buyer who purchases / provides the goods and services send and receive information via the Internet 5 It is configured in a possible environment.
The purchaser terminal device 3 is configured by an information terminal such as a personal computer having a client application such as a WWW browser, a mobile phone, or a PDA.

FIG. 2 and FIG. 3 are sequences showing an outline of a procedure in the above configuration from when a purchaser selects a product until credit processing in the credit processing device 2 of the financial institution and the credit processing device 4 of the distributor is completed. FIG. The difference between FIG. 2 and FIG. 3 is the difference in the method of payment. That is, FIG. 2 shows a procedure for performing payment processing by online banking or credit online via the Internet, and FIG. 3 shows a procedure for performing payment processing by a bank, post office, convenience store, or the like. . In the procedure, steps 108 and 111 in FIG. 2 are different from step 210 in FIG.
Hereinafter, a case where Internet banking or credit payment processing is performed online via the Internet will be described as a representative.

First, the purchaser terminal device 3 accesses the seller device 1 via the Internet 5 to call a merchandise transaction page (step 101), and presents it from the seller device 1 to a client application such as a WWW browser of the purchaser terminal device 3. The product purchase screen is displayed, and product information (product name and quantity) desired to be purchased is selected in the product purchase screen (steps 102 and 103). When a product is selected, the purchaser terminal 3 transmits selection information of product information corresponding to the selection operation content to the seller device 1 via the Internet 5. (Step 104)
The seller device 1 that has received the product information desired to purchase selected by the buyer identifies the seller device 1 including the payment consideration (total amount including consumption tax, delivery fee, etc.) and the due date for the desired product. The unique commercial transaction information (A501) composed of the seller identification information to be made is created and returned to the purchaser terminal device 3 of the merchandise purchase request source (step 105).

As shown in FIG. 6, the unique commercial transaction information (A501) is composed of a transaction ID (A502), a product name (A503), a seller device specific information (A512), and a seller transaction account number (A514). Has been.
The unique commercial transaction information (A501) is stored in a transaction content registration table (A501) created for each transaction. Among these, the financial credit status (A515) is recorded by the account transfer confirmation by the financial credit processing device. The distribution credit status (A516) is recorded by product confirmation by the distribution credit processing device. The transaction establishment status (A517) is recorded after a delivery completion notification from the distribution credit processing device 4.
Here, the unique information (A512) of the seller device, which is the seller identification information, is composed of, for example, a URL for calling the seller device 1 on the network. Further, in the unique commercial transaction information (A501), when the seller device 1 receives a credit acknowledgment notification from the financial credit processing device 2 and the distribution credit processing device 4, it confirms which transaction it is. Is added with a transaction ID (A502) for uniquely identifying the transaction content. Further, in order to perform settlement after credit processing, payment destination information (seller transaction account number) to the seller of payment consideration is added.

The purchaser terminal device 3 as the merchandise purchase request source selects a payment method (step 106).
As a payment method, this method can be applied to a transfer at a bank, a post office or other financial institution, or an online transfer using Internet banking. When an online transaction using Internet banking is selected as the payment method, the purchaser terminal device 3 transmits payment method selection information to the seller device 1 as an account transfer payment request (step 107).
The seller device 1 that has received the payment method selection information from the buyer terminal device 3 transmits a seller account notification request to the financial credit processing device 2 managed by the financial institution where the seller has established a transaction account. (Step 108).
The merchant device 1 transmits unique commercial transaction information to the financial credit processing device 2. (Step 109). Unique information (A512, A513) for identifying the seller is added to the unique commercial transaction information (A501).
The unique commercial transaction information is transmitted from the seller device 1 to the distribution credit processing device 4. (Step 110).

In the financial credit processing device 2 that has received the seller account notification request from the seller device 1, the buyer terminal device 3 displays a processing screen (seller account information screen) for making a transfer to the seller's transaction account. The data is transmitted to the apparatus 3 and displayed (step 111).
The purchaser terminal device 3 transfers the amount including payment consideration, delivery fee, transfer fee, etc. to the transaction account opened by the seller through the displayed screen via the Internet 5 (step 112).
The financial credit processing apparatus 2 that has received the unique commercial transaction information (A501) and the account transfer receives the account transfer process or performs the payment credit process for the price when the payment date set by the seller is reached (step 111). ). Check whether the amount of money has been deposited into the account based on the unique transaction information (A501) in the seller's transaction account, and confirm that the payment has been completed. Financial credit information (A601) as shown in FIG. 7 is transmitted to the distribution credit processing device 4 (step 114). In addition, an account transfer completion notification is transmitted from the financial credit processing device 2 to the buyer terminal device 3 (step 115).
At this point, the merchant can confirm the payment for the payment in his / her account, but without the buyer's permission, the seller cannot perform any withdrawals such as moving to cash or another account. .

The financial credit information (A601) includes a transaction ID (A602), a seller account number (A603),..., A financial credit result (A612). This financial credit information (A601) is stored in a financial credit information table (A307) created for each transaction.
The distributor receives the merchandise from the seller and receives unique commercial transaction information. At this time, the distributor cannot deliver the merchandise stored by the seller to the purchaser without the delivery permission from the financial credit processing device 2. In addition, the seller cannot pick up the merchandise that has been deposited with the distributor until the payment date has passed, the payment has not been confirmed and the commercial transaction has not been confirmed.
The financial credit processing device 2 transmits a merchandise delivery permission notice to the distribution credit processing device 4 based on the financial credit processing result (step 116).

In the distribution credit processing device 4 that has received the merchandise delivery permission notice from the financial credit processing device 2, the product that the purchaser plans to purchase is shipped from the seller to the distributor, or the purchaser is mistaken for the product that is planned to purchase. The product is confirmed based on the unique commercial transaction information (A501). If the merchandise can be confirmed based on the confirmation result of the distribution credit processing device 4, the distributor delivers the merchandise stored by the seller to the buyer (steps 117 and 118). When the merchandise is shipped, the distributor records the distribution credit information (A701) as shown in FIG. 8 in the distribution credit information table (A404) for each transaction. This table is also referred to when there is an inquiry from a buyer.
When the purchaser receives the product, the purchaser transmits a product confirmation notification from the purchaser terminal device 3 to the distribution credit processing device 4 (step 119).

When distribution credit processing device 4 receives the merchandise confirmation notification, distribution credit processing device 4 transmits a withdrawal permission notification to financial credit processing device 2 (step 120).
Further, the distribution credit processing device 4 transmits a delivery completion notice to the seller device 1 (step 121).
Only after the financial credit processing device 2 receives the withdrawal permission notice in step 118, the seller moves the payment amount transferred by the purchaser to the seller's transaction account to the cash withdrawal and other account. be able to. By performing these series of steps, the business transaction between the buyer and the seller can be safely completed.

When the purchaser wants to confirm the product delivery status from the purchaser terminal device 3, the purchaser sends a product delivery confirmation page call request to the distributor device (step 120). Then, the distribution credit processing device 2 that has received the commodity delivery confirmation page call refers to the distribution credit information (A701) in FIG. 9 and displays the distributor credit content confirmation as shown in FIG. 10 on the purchaser device 3, The product delivery status is notified (step 121).
In this merchandise delivery confirmation screen, if it is desired to cancel the purchased merchandise, a delivery unnecessary notice or a cancel notice is transmitted to the distribution credit processing device 4. Alternatively, a withdrawal non-permission notice is transmitted to the financial credit processing device 2. As a result, the transaction can be canceled and the price can be prevented from being withdrawn before the merchandise is delivered.
If the purchaser wishes to confirm the credit result at the financial institution, the purchaser can send a credit result introduction request to the financial credit processing device 2 and receive and confirm the financial machine-related credit content confirmation screen as shown in FIG. .

FIG. 4 is a flowchart showing the procedure of the financial credit processing until the financial credit processing (step 111 in FIG. 2 and step 210 in FIG. 3) in the processing procedure in FIGS.
First, the payment method selection screen is displayed on the buyer terminal device 3 from the seller device 1 (step A302).
The purchaser selects a payment method on the payment method selection screen (step A303).
If online transaction use is selected at this time, the seller account information screen is displayed on the buyer device 3 from the seller device 1 (step A304). Further, when the use of account transfer is selected, a message indicating that the account transfer document is to be sent from the seller apparatus 1 to the purchaser apparatus 3 is displayed (step A305).
After either of these two steps is completed, the unique commercial transaction information (FIG. 6) and the financial credit information (FIG. 7) transmitted from the seller apparatus 1 to the financial credit processing apparatus in steps 109 and 208. Is registered in the credit entry information table (A307) of the financial credit processing apparatus 2 (step A306).
The purchaser performs an account transfer process for online transactions using Internet banking or an account transfer process at a bank or post office (step A308).

In the financial credit processing apparatus 2, the seller is reached when the payment date is reached or the transfer process is performed based on the transaction content (FIG. 6) having the unique information registered in step A 306 and the financial credit information (FIG. 7). The transfer amount of the account, the transfer date and time, and the information of the transfer requester are confirmed to check whether the payment has been completed (step A310).
If the payment can be confirmed and there is no problem, the financial credit processing device 2 transmits an account transfer completion notice (credit acknowledgment) to the distribution credit processing device 4 (step A311).
If the payment has not been completed, the financial credit processing device 2 transmits a credit negative response to the distribution credit processing device 4 (step A312).
The subsequent processing is a step following the processing contents of FIGS. 1 and 2, and is the same as the processing of FIGS.

FIG. 5 is a flowchart showing the procedure of the distribution credit processing until the distributor credit processing (step 117 in FIG. 2 and step 216 in FIG. 3) in the processing procedure in FIGS.
First, in the distribution credit information table (A404), the transaction contents (FIG. 6) having the unique information transmitted from the seller apparatus 1 to the distribution credit processing apparatus 4 in steps 110 and 209 are registered. (Step A402)
For products displayed based on the distribution credit information (A701) in the distribution credit information table (A404), whether the merchandise has been shipped from the seller to the distributor, and whether the merchandise purchased by the purchaser is correct Confirmation is performed (step A403).
If the product confirmation is OK and the confirmation work is completed, the product is delivered from the distributor to the purchaser (step A405).
When the merchandise is unconfirmed and the confirmation process is not completed, the distribution credit processing device 4 transmits a credit denial response to the financial operator device (step A406). Further, a withdrawal refusal notice is transmitted (step A408).
The subsequent processing is a step following the processing contents of FIGS. 1 and 2, and is the same as the processing of FIGS.

1 is a system configuration diagram showing a basic configuration of an electronic commerce system to which the present invention is applied. FIG. 2 is a sequence diagram showing a procedure from selecting a product by online transfer until credit processing is completed in the configuration of FIG. 1. FIG. 2 is a sequence diagram showing a procedure from selecting a product to ending credit processing when account transfer is selected at a window of a financial institution in the configuration of FIG. 1. It is a flowchart which shows the process sequence of a financial credit process. It is a flowchart which shows the process sequence of a distribution credit process. It is a figure which shows the example of the information content of the unique commercial transaction information produced | generated with a seller apparatus. It is a figure which shows the example of the information content of the financial credit information produced | generated with a financial credit processing apparatus. It is a figure which shows the example of the information content of the distribution credit information produced | generated with a distribution credit processing apparatus. It is a figure which shows the example of the financial-machine participation message content confirmation screen displayed with a seller apparatus. It is a figure which shows the example of the distributor credit content confirmation screen displayed with a buyer apparatus.

Explanation of symbols

1 Seller Device 2 Financial Credit Processing Device 3 Buyer Terminal Device 4 Distribution Credit Processing Device 5 Internet

Claims (9)

A seller terminal device used by a product buyer, a seller device operated by a product seller, a financial institution device managed by a financial institution, and a distributor device managed by a distributor, and the seller device via a network In response to a purchase request from the purchaser for the product presented to the buyer terminal device, the purchaser performs a transfer process to the seller's account in the financial processing device, and the purchaser purchases from the seller in the distributor device. A credit processing method in an electronic commerce system that performs a delivery process of a product and establishes a commercial transaction between a buyer and a seller,
A first step of receiving merchandise information desired to be purchased at the buyer terminal device and transmitting the merchandise information desired to purchase to a seller device;
The merchant apparatus that has received the merchandise information desired to purchase selected by the purchaser creates unique merchandise transaction information including the payment consideration related to the merchandise desired to purchase, and sends it back to the buyer terminal apparatus that is the merchandise purchase request source. Steps,
In the financial institution apparatus, it is determined whether the payment consideration for the product purchased by the purchaser has been received from the purchaser by the payment date set by the seller according to the unique commercial transaction information, and whether or not the transaction is possible based on the determination And a third step of transmitting the determination result from the financial institution apparatus to the distributor apparatus. A credit processing method in an electronic commerce system, comprising:   In the third step, a delivery permission notice or a delivery rejection notice for permitting delivery of goods to the purchaser is transmitted from the financial institution device to the distributor as a result of the determination as to whether the transaction is possible. The credit processing method in the electronic commerce system according to claim 1. A seller terminal device used by a product buyer, a seller device operated by a product seller, a financial processing device managed by a financial institution, and a distributor device managed by a distributor, and the seller device via a network In response to a purchase request from the purchaser for the product presented to the buyer terminal device, the purchaser performs a transfer process to the seller's account in the financial processing device, and the purchaser purchases from the seller in the distributor device. A credit processing method in an electronic commerce system that performs a delivery process of a product and establishes a commercial transaction between a buyer and a seller,
A first step of receiving merchandise information desired to be purchased at the buyer terminal device and transmitting the merchandise information desired to purchase to a seller device;
The merchant apparatus that has received the merchandise information desired to purchase selected by the purchaser creates unique merchandise transaction information including the payment consideration related to the merchandise desired to purchase, and sends it back to the buyer terminal apparatus that is the merchandise purchase request source. Steps,
In the financial institution apparatus, it is determined whether the payment consideration for the product purchased by the purchaser has been received from the purchaser by the payment date set by the seller according to the unique commercial transaction information, and whether or not the transaction is possible based on the determination And a third step of transmitting the determination result from the financial institution device to the distributor device;
The purchaser terminal device confirms whether or not the purchased product has been delivered to the distributor, and based on the determination result, transmits a product delivery permission notification to the distributor device or a withdrawal permission notification to the financial institution device. 4. A credit processing method in an electronic commerce system, comprising: 4 steps.   In the third step, a delivery permission notice or a delivery rejection notice for permitting delivery of goods to the purchaser is transmitted from the financial institution device to the distributor as a result of the determination as to whether the transaction is possible. The credit processing method in the electronic commerce system according to claim 3. A seller terminal device used by a product buyer, a seller device operated by a product seller, a financial processing device managed by a financial institution, and a distributor device managed by a distributor, and the seller device via a network In response to a purchase request from the purchaser for the product presented to the buyer terminal device, the purchaser performs a transfer process to the seller's account in the financial processing device, and the purchaser purchases from the seller in the distributor device. A credit processing method in an electronic commerce system that performs a delivery process of a product and establishes a commercial transaction between a buyer and a seller,
A first step of receiving merchandise information desired to be purchased at the buyer terminal device and transmitting the merchandise information desired to purchase to a seller device;
The merchant apparatus that has received the merchandise information desired to purchase selected by the purchaser creates unique merchandise transaction information including the payment consideration related to the merchandise desired to purchase, and sends it back to the buyer terminal apparatus that is the merchandise purchase request source. Steps,
In the financial institution apparatus, it is determined whether the payment consideration for the product purchased by the purchaser has been received from the purchaser by the payment date set by the seller according to the unique commercial transaction information, and whether or not the transaction is possible based on the determination And a third step of transmitting the determination result from the financial institution device to the distributor device;
It is determined whether or not a merchandise receipt confirmation notification has been received from the purchaser device at the distributor device, and a withdrawal permission notification or withdrawal refusal notification to the seller is transmitted to the financial institution device according to the determination result. A credit processing method in an electronic commerce system comprising: a fourth step.   In the third step, a delivery permission notice or a delivery rejection notice for permitting delivery of goods to the purchaser is transmitted from the financial institution device to the distributor as a result of the determination as to whether the transaction is possible. The credit processing method in the electronic commerce system according to claim 5. 7. The electronic commerce system according to claim 6, wherein, in the fourth step, when a receipt confirmation notification of a product is received from the purchaser device, a delivery completion notification is transmitted to the seller device of the seller. Credit processing method. A seller terminal device used by a product buyer, a seller device operated by a product seller, a financial institution device managed by a financial institution, and a distributor device managed by a distributor, and the seller device via a network In response to a purchase request from the purchaser for the product presented to the buyer terminal device, the purchaser performs a transfer process to the seller's account in the financial processing device, and the purchaser purchases from the seller in the distributor device. An electronic commerce system that performs product delivery processing and establishes a commercial transaction between a buyer and a seller,
The buyer terminal device is
Means for receiving commodity information desired to be purchased from the seller device and transmitting it to the seller device;
The merchant device is
Means for receiving product information desired to be purchased selected by the buyer, creating unique commercial transaction information including payment consideration related to the product desired to purchase, and returning it to the purchaser terminal device of the product purchase request source;
The financial institution apparatus is
It is determined whether the payment consideration for the product purchased by the purchaser has been received from the purchaser by the payment date set by the seller according to the unique commercial transaction information, and whether or not the transaction is possible is determined based on the determination, An electronic commerce system comprising: means for transmitting a determination result to the distributor device. A seller terminal device used by a product buyer, a seller device operated by a product seller, a financial processing device managed by a financial institution, and a distributor device managed by a distributor, and the seller device via a network In response to a purchase request from the purchaser for the product presented to the buyer terminal device, the purchaser performs a transfer process to the seller's account in the financial processing device, and the purchaser purchases from the seller in the distributor device. An electronic commerce system that performs product delivery processing and establishes a commercial transaction between a buyer and a seller,
The buyer terminal device is
Means for receiving commodity information desired to be purchased from the seller device and transmitting it to the seller device;
The merchant device is
Means for receiving product information desired to be purchased selected by the buyer, creating unique commercial transaction information including payment consideration related to the product desired to purchase, and returning it to the purchaser terminal device of the product purchase request source;
The financial institution apparatus is
It is determined whether the payment consideration for the product purchased by the purchaser has been received from the purchaser by the payment date set by the seller according to the unique commercial transaction information, and whether or not the transaction is possible is determined based on the determination, Means for transmitting the determination result to the distributor device;
The distributor device is
Determining whether or not a receipt confirmation of goods has been received from the purchaser device, and sending a withdrawal permission notification or withdrawal refusal notification to the seller to the financial institution device according to the determination result; An electronic commerce system comprising:

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