JP2006195837A - Electronic commerce mediation system and electronic commerce system - Google Patents

Abstract

<P>PROBLEM TO BE SOLVED: To provide an electronic commerce mediation system capable of sending user-selected commodity information to an online shop system in real time during electronic commerce via a mediation center, and preventing personal information from being leaked if transferred to a wrong mail address. <P>SOLUTION: The electronic commerce mediation system includes a temporary personal information sending means which stores a user's personal information received from a user terminal in a database; sends temporary personal information stored in the database to a credit card system B; and after second temporary personal information received from the credit card system B is received and stored in the database, sends to the user terminal the temporary personal information including the second temporary personal information. <P>COPYRIGHT: (C)2006,JPO&NCIPI

Description

  The present invention relates to an electronic commerce brokerage system and an electronic commerce system that prevent leakage of important personal information such as a credit card number in a commercial transaction such as online shopping.

  With the rapid development of IT technology in recent years, so-called electronic commerce, in which a user can purchase a desired product while at home, is routinely performed.

FIG. 20 is a diagram for explaining the configuration of a conventional electronic commerce.
A user terminal 70 of the user is connected to a computer system 71 of a credit card company and a computer system 73 of an online shop that performs electronic commerce via the Internet 74. A user accesses the site of a computer system 73 of an online shop that conducts electronic commerce using the user terminal 70 via the Internet 74. When the user finds the desired product, the user terminal 70 enters the purchased product and quantity on the application form on the site, and the name, e-mail address (XXX @ mail), address (Machida-shi, Tokyo x-xx -xxx), fill in the credit card number and deadline 72, and send the application form to the online shop computer system 73. As described above, the user directly applies for the purchased product to the online shop, so that the product is delivered to the user from the online shop.

  The online shop computer system 73 charges the computer system 71 of the credit card company to which the user subscribes based on the user's name and credit card number / expiration date 72 and withdraws the money from the user's account. Later, the product is shipped based on the user's address.

  When a courier company is used for shipping, it may be necessary to disclose the user's telephone number. In addition, the online shop computer system 73 performs confirmation by sending an e-mail based on the user's e-mail address for confirmation at the time of shipment.

  With the above system, the user can pay for and receive a desired product, but this conventional system has the following drawbacks.

  First, the user needs to send personal information such as name, e-mail address, address, credit card number, and telephone number to the online shop computer system 73 for disclosure. The protection of personal information is not guaranteed, and there is a possibility of information leakage. For this reason, personal information cannot be disclosed because of fear of personal information leakage. I sometimes gave up.

  Second, the damage cannot be prevented when the online shop computer system 73 is a malicious online shop. This has been reported in many cases as a case where the computer system 73 of the online shop does not ship the goods while receiving payment for the account withdrawal.

  Thirdly, users who want to use various online shops and malls must enter their personal information, card number, etc. many times in multiple shops and malls and register as users. In addition, the possibility of leakage of personal information increases.

  In order to solve these problems, a business model for solving the above problems through an intermediary center between a user and an electronic commerce such as an online shop is shown below.

FIG. 21 is a diagram for explaining the configuration of electronic commerce performed through a conventional brokerage center.
The computer system 80 of the mediation center of the mediation center 82 is a computer system 83 of a credit card company affiliated with the mediation center 82 via the Internet 88, a computer system 85 of a credit card company to which a user is subscribed, and an online for performing electronic commerce. A computer system 87 of the shop is connected. The mediation center 82 includes a mediation center computer system 80 and a delivery center 81.
When the user finds a desired product on the site of the computer system 87 of the online shop, the user's name, e-mail address (XXX @ mail), address (Machida-shi, Tokyo x-xx-xxx) ), The product purchase request information in which the credit card number / expiration date 86 is entered is transmitted to the computer system 80 of the brokerage center.

  The computer system 80 of the brokerage center that received the information accesses the site of the online shop computer system 87 based on the purchased product and quantity of the purchase information of the product, and fills in the application form with the purchased product and quantity. At the same time, fill in the name of the brokerage center, e-mail address (YYY @ mail), address (Kanda y-yy-yyy, Chiyoda-ku, Tokyo) and the credit card number / due date of the brokerage center. To the computer system 87.

  The online shop computer system 87 charges the computer system 83 of the credit card company affiliated with the broker center 82 based on the name of the broker center 82 and the credit card number / expiration date. After the withdrawal, the product is shipped based on the address of the mediation center 82 (A).

  When a courier company is used for shipping, it may be necessary to disclose the telephone number of the mediation center 82. Also, the online shop computer system 87 confirms the confirmation at the time of shipment by sending an e-mail based on the e-mail address of the broker center 82.

  Next, the computer system 80 of the brokerage center transfers the mail sent from the online shop computer system 87 to the email address (YYY @ mail) of the brokerage center 82 to the user's email address (XXX @ mail). To do. Further, the product sent from the online shop is delivered based on the user's name and the user's address (B).

  With the above system, the user can pay and receive a desired product. This system also eliminates the need for the user to send personal information such as name, e-mail address, address, credit card number / expiration date and telephone number to the online shop computer system 87 for disclosure, and the online shop computer system 87. If the merchandise is not shipped while receiving payment for the account withdrawal, the brokerage center 82 can handle it on behalf of the user. Accordingly, there is an advantage that the brokerage center 82 deals with troubles at the time of delivery, and the brokerage center 82 also performs return procedures for purchased products, but there are the following problems.

  It is a problem that it is difficult to accurately tell the mediation center 82 which product has been selected by the user among many products on the site of the computer system 87 of the online shop. For example, since the site of the online shop computer system 87 changes day by day, even if the user transmits the URL and product number of the site to the mediation center 82, the URL may be changed when the mediation center 82 accesses it. Yes, or the item may be sold out.

  Further, the contact mail from the computer system 87 of the online shop that came to the e-mail address of the brokerage center (one mail address “YYY @ mail”) is transferred to each of the e-mail addresses (plurality) of a large number of users. It is also difficult to transfer personal information to the wrong address.

  Furthermore, the system administrator in the center may leak personal information stored in the database of the computer system of the brokerage center.

  As described above, in the conventional electronic commerce via the mediation center computer system 80, the product information selected by the user is not transmitted to the mediation center server in real time, so the URL is replaced or the product is sold out. There has been a problem that the user's request cannot be achieved. Also, since it is received by one e-mail address (YYY @ mail), personal information may be leaked by forwarding to the wrong e-mail address, and the system administrator of the computer system of the brokerage center, etc. Could leak.

  Therefore, the object of the present invention is to send the product information selected by the user to the online shop system in real time in the electronic transaction through the brokerage center, and to transfer the personal information to the wrong e-mail address. An object of the present invention is to provide an electronic commerce brokerage system and an electronic commerce system capable of preventing leakage and further preventing leakage of a system administrator or the like of a computer system of a brokerage center.

  An electronic commerce brokerage system according to a first invention is an electronic commerce brokerage system of a brokerage center connected to a user terminal, a credit card system, and an online shop system via the Internet, wherein the electronic commerce brokerage system includes all individual users. A database for storing information and temporary first personal information; all personal information of the user received from the user terminal is stored in the database; and the temporary first personal information stored in the database is stored in the credit card. Temporary temporary personal information transmitting means for transmitting temporary second personal information received from the computer system and temporary temporary personal information lending mail attached with the temporary first personal information to a user terminal after transmission to the system; It is characterized by providing.

  An electronic commerce mediation system according to a second invention is characterized in that the database includes a first database for storing all personal information and a second database for storing temporary first personal information.

  The electronic commerce mediation system according to a third aspect is characterized in that all the personal information includes a user name, an e-mail address, and second personal information / time limit.

  The electronic commerce brokerage system according to a fourth aspect is characterized in that the all personal information further includes an ID and a password.

  The electronic commerce mediation system according to a fifth aspect is characterized in that the provisional first personal information includes provisional credit name and provisional first personal information.

  An electronic commerce brokerage system according to a sixth aspect is characterized in that the credit card company is a credit company contracted by a brokerage center.

  In the electronic commerce mediation system according to a seventh aspect of the present invention, when the temporary all personal information transmitting means receives all personal information from the user terminal, an identification code is assigned to the all personal information and stored in the database. And searching for a line in which no identification code is written in the identification code column of the database and writing the identification code.

  An electronic commerce mediation system according to an eighth aspect is characterized in that the identification code is a reception number assigned when all personal information transmitted from a user terminal is received.

  In the electronic commerce mediation system according to a ninth aspect of the present invention, the provisional total personal information transmitting means creates a subscription confirmation email attached with convenience store information after receiving all the personal information from the user terminal, It is further provided with the function to transmit to a user terminal.

  The electronic commerce brokerage system according to a tenth aspect of the present invention converts the temporary first personal information of the application confirmation mail received from the online shop system into the first personal information, and transmits the mail to the user terminal. One personal information converting means is further provided.

  In the electronic commerce mediation system according to an eleventh aspect, the temporary first personal information converting means converts the temporary first personal information into the first personal information based on the temporary credit name and the temporary first personal information. The database is converted by retrieving the same information from the database and extracting the first personal information.

  The electronic commerce brokerage system according to a twelfth aspect of the present invention extracts the user's second personal information based on the identification code of the application confirmation mail, and uses the provisional second personal information of the application confirmation mail as the user's second personal information. It further comprises provisional second personal information conversion means for generating a transfer request mail in which the second personal information is written and transmitting it to the credit card system.

  An electronic commerce mediation system according to a thirteenth invention is an electronic commerce mediation system of a mediation center connected to a user terminal and an online shop system via the Internet, wherein the electronic commerce mediation system includes all personal information of a user and temporary A database for storing all personal information, and when receiving all the personal information from the user terminal, an identification code is assigned to the personal information and stored in the database, and the temporary personal information is extracted. And provisional personal information transmission means for attaching to the provisional all personal information lending mail and transmitting to the user terminal.

  An electronic commerce mediation system according to a fourteenth aspect of the invention is characterized in that the database includes a first database for storing all personal information and a second database for storing temporary personal information.

  An electronic commerce brokerage system according to a fifteenth aspect is characterized in that the all personal information includes a user name, a mail address, and second personal information.

  The electronic commerce mediation system according to a sixteenth aspect is characterized in that the all personal information further includes an ID and a password.

  The electronic commerce mediation system according to a seventeenth aspect is characterized in that the provisional all personal information includes provisional first personal information and provisional second personal information.

  In the electronic commerce mediation system according to an eighteenth aspect of the present invention, the temporary personal information transmitting means searches for a line in which no identification code is described in the identification code column of the second database and describes the identification code. Features.

  An electronic commerce mediation system according to a nineteenth aspect is characterized in that the identification code is a reception number assigned when receiving personal information transmitted from a user terminal.

  In the electronic commerce mediation system according to a twentieth aspect of the present invention, the provisional all personal information transmitting means creates a subscription application confirmation mail attached with convenience store information after receiving all the personal information from the user terminal, It is further provided with the function to transmit to a user terminal.

  An electronic commerce system according to a twenty-first aspect of the present invention is the electronic commerce system of the electronic commerce system, wherein the electronic commerce system is connected to a user terminal, an electronic commerce brokerage system of a brokerage center, a credit card system, and an online shop system via the Internet. The intermediary system stores the first personal information and the temporary first personal information in the database, the first personal information received from the user terminal in the database, and the temporary first information stored in the database. Provisional first personal information transmitting means for transmitting personal information to the user terminal, and the credit card system of the electronic commerce system includes a database storing all personal information and temporary second personal information, and an electronic commerce brokerage. Receiving the second personal information request email from the system Temporary second personal information transmission means for extracting temporary second personal information from the database based on the second personal information attached to the mail, creating a mail describing the information, and transmitting the mail to the user terminal. It is characterized by providing.

  An electronic commerce system according to a twenty-second invention is characterized in that the database of the electronic commerce brokerage system includes a first database and a second database.

  An electronic commerce system according to a twenty-third aspect is characterized in that first personal information is stored in the first database, and temporary first personal information is stored in the second database.

  An electronic commerce system according to a twenty-fourth invention is characterized in that the database of the credit card system includes a third database and a fourth database.

  An electronic commerce system according to a twenty-fifth aspect of the present invention is characterized in that all personal information is stored in the third database and temporary second personal information is stored in the fourth database.

  In the electronic commerce system according to a twenty-sixth aspect of the present invention, after the temporary first personal information transmitting means receives the first personal information from the user terminal, it creates a subscription application confirmation email attached with convenience store information, It further has a function of transmitting to the user terminal.

  In an electronic commerce system according to a twenty-seventh aspect of the invention, the electronic commerce brokerage system receives an application confirmation mail from the online shop, extracts temporary first personal information from the application confirmation mail, Temporary first personal information conversion means for retrieving the first personal information from the database based on the personal information and creating an application confirmation mail based on the first personal information, the credit card system transfers money from the online shop system Temporary second personal information conversion means for receiving the billing mail and retrieving the second personal information from the database based on the provisional second personal information in the transfer billing mail is further provided.

  Since the present invention has a function of replacing all personal information with provisional all personal information, it is possible to purchase products through online shopping without using personal information, so that leakage of important personal information can be prevented. .

  Further, when users frequently use online shopping, temporary personal information can be borrowed with an ID and a password, so that leakage of personal information can be prevented and the description of personal information can be reduced.

  Since the provisional first personal information of the application confirmation email is converted to the user's first personal information, the user can be notified in real time of the contents of the product purchase application. Since the selected product information is not sent to the brokerage center server in real time, the problem that the URL has been changed or the product has been sold out and the user's request cannot be achieved is solved, and By returning a quick application confirmation e-mail, it is possible to give a sense of security to online shopping.

  Furthermore, since it has a function of converting temporary second personal information into the user's second personal information, it is possible to transfer charges to the online shop system in real time, and also has a function of deleting personal information. Therefore, it is possible to prevent the system administrator of the mediation server from leaking personal information.

FIG. 1 is a diagram for explaining the overall configuration of the present invention.
The mediation center 25 includes an electronic commerce mediation center computer system 20 (hereinafter referred to as an “electronic commerce mediation system”) and a delivery center 24 (for example, the address of the delivery center is Kyoda y-yy-yyy, Chiyoda-ku, Tokyo). The electronic commerce mediation system 20 includes an electronic commerce mediation server 21, a first database 22, and a second database 23. The e-mail address of the electronic commerce mediation system 20 is, for example, 111 @ mail, 222 @ mail, etc.

  The electronic commerce brokerage system 20 includes a user terminal 10 via the Internet 60 (for example, the user's address is Machida-shi, Tokyo x-xx-xxx and the mail address is XXX @ mail), and the brokerage center 25 A computer system 30 (hereinafter referred to as “credit card system B”) of a credit card company (hereinafter referred to as “company B”) with which a contract is made, and a credit card company (hereinafter referred to as “company A”) with which the user contracts. A computer system 40 (hereinafter referred to as “credit card system A”) and an online shop computer system 50 (hereinafter referred to as “online shop system”) are connected.

  The credit card number of company B with which the brokerage center contracts is, for example, 111111, 222222, etc., and the credit card number of company A with which the user contracts is, for example, xxxxxx.

  FIG. 2 shows a user terminal 10, a credit card system A40, an electronic commerce brokerage system 20, and a credit card system B30, from the application for subscription to the brokerage center for the user to conduct electronic commerce, to the processing of the charge transfer of the credit card system B30. FIG. 4 is a diagram for explaining the flow of information with the online shop system 50;

  The user accesses the electronic commerce mediation system 20 of the mediation center 25 in advance via the Internet 60 at the user terminal 10 and performs a procedure for applying for the service of the mediation center 25 in advance. When the user terminal 10 performs the application procedure, the name, e-mail address, address and credit card number / time limit information (hereinafter, the name and e-mail address information is referred to as “first personal information” The card number / time limit information is referred to as “second personal information”, and both of these information (the first and second personal information as both information are referred to as “all personal information”) are transmitted to the electronic commerce brokerage system 20 ( 1).

  The electronic commerce mediation system 20 that has received the personal information adds a receipt number to the received personal information, stores the receipt number and the personal information in the first database 22, and sets the receipt number to the first The reception number is written in the empty reception number column of the temporary credit name and temporary e-mail address (hereinafter referred to as “temporary first information”) stored in the database 23 of FIG.

  The mediation center 25 checks the credit card number / expiration date for the company A to which the user is contracted by a telephone or the like (2), and if it is valid, receives an answer (3). . Thereafter, information such as a reception number is transmitted to the user terminal 10 to confirm the application (4).

  Then, the electronic commerce brokerage system 20 transmits the temporary first personal information to the credit card system B30 (5), and the temporary credit card number / expiration date (hereinafter referred to as “temporary second personal information”). (6), the provisional second personal information is stored in the second database 23, and the provisional second personal information and the provisional first personal information (hereinafter, these provisional personal information) are stored. The first personal information and the provisional second personal information are referred to as “temporary all personal information”) to the user terminal 10 (7).

  The user accesses the online shop system 50 at the user terminal 10 to select a desired product, and applies for product purchase using the provisional personal information received from the electronic commerce mediation system 20 (8).

  The online shop confirms by telephone or the like whether or not the provisional second personal information is legitimate with the company B contracted by the broker center (9), and if it is legitimate, receives the response (10) ). Thereafter, information such as a receipt number is transmitted to the electronic commerce brokerage system 20 to confirm the application (11).

  Upon receiving the information such as the receipt number, the electronic commerce mediation system 20 converts the provisional first personal information into the user's first personal information, and transmits the application confirmation mail to the user terminal 10 (12).

  When the user makes an inquiry or the like to the online shop system 50 using the user terminal 10, the online shop system 50 that has transmitted an e-mail using the temporary first personal information and received a response e-mail such as an inquiry is an electronic commerce transaction. A response mail such as an inquiry is transmitted to the intermediary system 20 to the electronic commerce intermediary system 20. The flow is the same as (8), (11) and (12) above.

  The electronic commerce brokerage system 20 converts the provisional second personal information into the second personal information, and transmits a billing charge transfer mail describing the number to the credit card system A40 (13).

  The subsequent information flow is generally processed between an accounting server owned by the brokerage center 25, credit card companies (company A and B) and online shop, and an accounting server of a financial institution. .

  The company A transfers the charge for the transfer request mail to the account owned by the broker center 25 (14). The online shop system 50 transmits a billing charge transfer mail to the electronic commerce brokerage system 20 (15).

  Thereafter, when the billing fee is transferred to the account owned by the company B (16), the broker B transfers the billing fee to the account owned by the online shop (17).

  The online shop then ships the product based on the address of the delivery center 24 of the brokerage center 25 (Kyoda y-yy-yyy, Chiyoda-ku, Tokyo) (19). Then, the delivery center 24 redelivers the product sent from the online shop to the user's home or the like based on the user's name and address (20).

  FIG. 3 is a diagram for explaining the database structure of the first database 22 provided in the electronic commerce mediation system 20.

  FIG. 3 shows an example of items of all personal information. The first database 22 stores (stores) all personal information of a specific plurality of items in a table format.

The specific items include all personal information such as a reception number, a user name, an address, an e-mail address, a telephone number, a credit card number, a credit card number expiration date, an ID, and a password.
The reception number is “0” as a default value, and when the electronic commerce mediation system 20 receives personal information from the user terminal 10, the reception number is written on the reception number column.

  Note that the above ID and password are used to save the trouble of entering personal information when a user frequently uses an online shop. Details thereof will be described later.

  FIG. 4 is a diagram for explaining the database structure of the second database 23 provided in the electronic commerce mediation system 20.

  FIG. 4 shows an example of provisional personal information items. The second database 23 stores (stores) temporary first personal information of a plurality of specific items in a table format.

  The specific plurality of items includes a provisional credit card name and provisional e-mail address which are provisional first personal information, and a provisional credit card which is provisional second personal information as other items. Number and deadline are included. However, in these items, when the electronic commerce mediation system 20 receives the provisional second personal information transmitted from the credit card system 30, data is described and stored in these items. The provisional second personal information is not stored in advance.

Although the database structure described above is not shown in the figure, it can be held by the electronic commerce brokerage system 20, and the database structure held by the credit card system 30 is temporary second personal information of a plurality of specific items. The temporary credit card number / expiration date is stored (stored) in a table format.
These databases are physically configured by hardware such as a hard disk and a memory, and information is stored (stored) therein.

  FIG. 5 is a functional block diagram of the electronic commerce mediation system 20 which is the best mode of the present invention.

The electronic commerce mediation system 20 includes an electronic commerce mediation server 21 and databases 22 and 23. The electronic commerce mediation server 21 includes a temporary personal information transmission unit 21-1, a temporary first personal information conversion unit 21-2. And provisional second personal information converting means 21-3. The arrows between the system 20 and the user terminal 10, the credit card system B30, the online shop system 50, and the credit card system A40 describe the order of information input and output from the system and apparatus and the content of the information. .
The numbers on the left side of the input / output information are: (1) all personal information from the user terminal 10; (2) temporary second personal information from the credit card system B30; 1, the temporary total personal information transmitting means 21-1 processes these information according to the processing procedure shown in FIG. 6, and (3) sets the order of information for transmitting the temporary total personal information to the user terminal 10. Show.

  Then, (4) the provisional first personal information of the application confirmation mail is transmitted from the online shop system 50 to the provisional first personal information converting means 21-2, and processed according to the processing procedure shown in FIG. The first personal information is transmitted to the user terminal 10.

  Further, (6) the second personal information of the transfer request mail is transmitted from the temporary second personal information conversion means 21-3 to the credit card system A40.

  FIG. 6 is a diagram illustrating a processing procedure, that is, a flowchart, in which the temporary all personal information transmitting unit 21-1 of the electronic commerce mediation system 20 processes information.

  Upon receiving all personal information transmitted from the user terminal 10, the electronic commerce mediation system 20 assigns a receipt number to the personal information and stores it in the first database 22 (S1). All personal information stored in the first database 22 is stored in the table format as shown in FIG.

A line in which the reception number is not described in the second database 23 is searched, and the number is described in the reception number column (S2).
The reception number is described in the subscription application confirmation email and transmitted to the user terminal (S3).

Temporary first personal information related to the receipt number stored in the second database 23 is extracted, written in an email, and transmitted to the credit card system B30 (S4).
Temporary second personal information is received from the credit card system B30, and the provisional second personal information is written in the row of the same receipt number in the second database 23 (S5).

  Information including the provisional second personal information and the provisional first personal information (hereinafter referred to as “temporary all personal information”) from the second database 23 is attached to the provisional all personal information lending mail to the user terminal. Transmit (S6).

  In addition, although the reception number mentioned above demonstrated as numbering all the personal information transmitted from the user terminal 10 in the order which the electronic commerce mediation system 20 received, it is not limited to this. Instead of this receipt number, an arbitrary different identification code other than the same code may be given.

  This temporary personal information lending email is used when the user purchases a product through online shopping, and the mediation center 25 informs the user instead of all personal information (personal name, email address, credit card number / expiration date, etc.) This is an email for notifying that all temporary personal information is lent.

  In the above description, it is described on the assumption that the user uses all temporary personal information for each online shopping. However, when the user frequently uses the online shop, the entire personal information is used every time the product is purchased. An ID and a password can be used in order to save the trouble of filling in.

  For example, on the subscription application screen of the broker center 25 of the user terminal 10, whether the current use or the continuous use is displayed, the user selects one of them, and if the continuous use is selected, the password is Can be performed by a processing procedure such as notifying the user of the ID and then notifying the ID from the electronic commerce mediation system 20.

  As a processing procedure in that case, a processing procedure for storing an ID and a password in the first database 23 is added in S1 of the processing procedure described above. When the user uses online shopping again, if the first database 23 is searched and hit based on the ID and password, the reception number is written in the reception number column of the hit line.

  In addition, when the user transmits all personal information from the user terminal 10, convenience store information (name, address, telephone, etc.) that conveys the product is posted on the homepage of the electronic commerce brokerage system 20. You may make it easy to obtain goods by selecting a convenience store close to the residence. In that case, in S3 of FIG. 6, the convenience store information is attached to the subscription application confirmation mail and transmitted to the user terminal 10.

  When the user selects and applies for a product from the homepage of the online shop at the user terminal 10, the convenience store information is also attached and transmitted to the online shop system 50. In this case, the merchandise is shipped directly to the convenience store selected by the user without going through the mediation center 25.

  By the way, although the best form mentioned above showed the example which credit card system B30 transmits provisional 2nd personal information (temporary credit card number and time limit information) to the electronic commerce mediation system 20, the provisional 1st 2 By providing the electronic commerce mediation server 21 with a function for transmitting personal information, the information can be implemented without processing the information via the credit card system 30.

  In that case, in order that the credit card system 30 shown in FIG. 2 processes the information, the electronic commerce brokerage system 20 performs the processing performed in the order 5, 6, 9, 10 and 17, so that FIG. It is easy to understand that it is possible if the second database 23 stores the temporary second personal information stored in the database of the credit card system B30 in the second database 23 of the credit card system B30. It can be done.

  As described above, the provisional personal information transmitting unit 21-1 of the electronic commerce mediation system 20 has a function of replacing all personal information with provisional all personal information, so that purchase of a product can be performed online shopping without using personal information. Since it is possible, leakage of important personal information can be prevented.

  When users frequently use online shopping, temporary personal information can be borrowed with an ID and a password, so that leakage of personal information can be prevented and the description of personal information can be reduced.

  Moreover, since the temporary personal information transmitting means 21-1 has a function of transmitting temporary personal information directly to the user, the user terminal 10 that has received the information does not go through the electronic commerce mediation system 20, Since it can be transmitted to the online shop system 50 in real time, it is possible to prevent leakage of personal information that is transferred to the wrong mail address.

  FIG. 7 is a diagram illustrating a processing procedure, that is, a flowchart, in which the temporary first personal information converting unit 21-2 of the electronic commerce mediation system 20 processes information.

  The electronic commerce brokerage system 20 receives the application confirmation mail from the online shop system 50 as temporary first personal information, searches the second database 23 for the same number based on the reception number of the mail, and stores the online shop. The name, URL, product code, quantity, fee, etc. are stored (S21).

  Based on the receipt number, the same number is searched from the first database 22, the user's first personal information is extracted, and the temporary first personal information of the application confirmation mail is converted into the user's first personal information. (S22).

  The converted first personal information is transmitted to the user terminal, and a flag is set in the application confirmation mail transmission column of the second database 23 (S23).

  As described above, the temporary first personal information converting means 21-2 of the electronic commerce brokerage system 20 has a function of converting the temporary first personal information of the application confirmation mail into the user's first personal information. Since the product information selected by the user is not sent to the broker center server in real time, the URL is replaced or the product is sold out. By solving the problem that the situation occurs and the user's request cannot be achieved, and returning a quick application confirmation mail to the user, it is possible to give a sense of security to online shopping.

  FIG. 8 is a diagram for explaining a processing procedure, that is, a flowchart, in which the temporary second personal information converting unit 21-3 of the electronic commerce mediation system 20 processes information.

As shown in FIG. 2, the temporary second personal information converting means 21-3 receives the application confirmation mail transmitted from the online shop system 50, and receives the same temporary data from the second database 23 based on the reception number. If the second personal information is searched and there is the second personal information, the second personal information is searched from the first DB based on the information, and the temporary second personal information is converted into the second personal information. (S31).

  Based on the converted second personal information, a transfer request mail is created, and the mail is transmitted to the credit card system A40 (S32).

  Based on the reception number, the reception number and all personal information stored in the first database 22 and the reception number stored in the second database are deleted (S33).

  As described above, the provisional second personal information conversion means 21-3 of the electronic commerce mediation system 20 has a function of converting the provisional second personal information into the user's second personal information. Since the fee can be transferred in real time and the personal information is deleted, it is possible to prevent the system administrator of the mediation server from leaking the personal information.

  The personal information disclosed to the mediation center 25 by the user includes information such as the above-mentioned name, address, credit card number / expiration date, e-mail address, telephone number, gender, company name, company telephone number, etc. It doesn't matter.

  In the above example, the user's address 104 is the address of the user's home 101. However, if the user wishes to transfer to a location other than the user's home, the address 104 is different from the address of the user's home 101. It doesn't matter.

  The electronic commerce brokerage system 20 including the first and second databases 22 and 23 has been described as the best mode. However, if the amount of information stored in the database is small, it is not necessary to include two databases. Obviously, that's fine.

  In the above example, the credit card company with which the user contracts (40 in FIG. 1) and the credit company with which the brokerage center contracts (30 in FIG. 1) are described as separate companies. It is also possible to construct a business model by providing a single server with the functions of the credit card system A40 and the credit card system B30.

  The business model using the credit card system contracted by the brokerage center will be described in detail below as the second best mode.

FIG. 9 is a diagram for explaining the overall configuration of the second best mode of the present invention.
The mediation center 125 is equipped with an electronic commerce mediation system 120 and a delivery center 124 (for example, the address of the delivery center is Kanda y-yy-yyy, Chiyoda-ku, Tokyo). , An electronic commerce mediation server 121, a first database 122, and a second database 123. The e-mail address of the electronic commerce mediation system 120 is, for example, 111 @ mail, 222 @ mail, etc.

  The electronic commerce brokerage system 120 includes a user terminal 10 via the Internet 60 (for example, the user's address is Machida-shi, Tokyo x-xx-xxx and the mail address is XXX @ mail), and the brokerage center 125 It is connected to a computer system C130 (hereinafter referred to as “credit card system C” and the server of the system as “server C”) and an online shop system 50 of the credit card company with which the contract is made.

  Note that the credit card numbers of credit companies with which the brokerage center contracts are, for example, 111111, 222222, and the like.

  By the way, the electronic commerce brokerage system 120 and the credit card system 130 are collectively referred to as an electronic commerce system.

  FIG. 10 shows a user terminal 10, an electronic commerce brokerage center system 120, a system C 130, and an online shop system 50 from the application for subscription to the brokerage center for the user to conduct electronic commerce until the credit card system C 130 performs the charge transfer. It is a figure explaining the flow of information between.

  The user accesses the electronic commerce brokerage system 120 of the brokerage center 125 in advance through the Internet 60 at the user terminal 10, applies for the service of the brokerage center 125, and contracts with the brokerage center 125 in parallel therewith. Follow the procedure for applying for a credit card company. When the user terminal 10 performs the subscription application procedure, the user terminal 10 transmits first personal information such as a name, an address, and an e-mail address to the electronic commerce brokerage system 120 (1). Although not shown in FIG. 10, each individual registers the first personal information and the second personal information with the credit card company via the Internet, mail, or the like.

  The electronic commerce brokerage system 120 that has received the information adds the receipt number to the received personal information, stores the information in the first database 122, and stores the information in the second database 123. The reception number is entered in the empty reception number field of the temporary first personal information (provisional credit name and temporary mail address).

  The mediation center 25 transmits information such as a receipt number to the user terminal 10 to confirm the application (2).

  Then, the electronic commerce mediation system 120 transmits a credit card number request mail describing the personal information to the credit card system C131 (3), and the temporary credit name / email address to the user terminal 10 An e-mail describing temporary personal information is transmitted (4). Since the processes 3 and 4 are transmitted almost simultaneously, the order is arbitrary.

  The system C130 transmits temporary second personal information to the user terminal 10 based on the personal information (5).

  The user accesses the online shop system 50 at the user terminal 10 to select a desired product, and applies for product purchase using the provisional second personal information received from the system C130 (6).

  The online shop system 50 checks the second personal information with the credit card system C contracted by the brokerage center by telephone or the like (7), and if it is authentic, receives the response. (8). Thereafter, information such as a receipt number is transmitted to the electronic commerce brokerage system 120 to confirm the application (9).

  Upon receiving the information such as the receipt number, the electronic commerce brokerage server 121 converts the provisional first personal information into the user's first personal information and transmits the application confirmation mail to the user terminal 10 (10).

  When the user makes an inquiry or the like to the online shop system 50 using the user terminal 10, the online shop system 50 that has transmitted the e-mail using the temporary first personal information and received a response e-mail such as an inquiry A response mail such as an inquiry is sent to the commercial transaction brokerage system 120 to the electronic commercial brokerage system 120. The flow is the same as (6) and (9) above.

  The online shop system 50 creates a transfer request mail based on the provisional second personal information of all the provisional personal information received in the flow 6, and transmits it to the system C130 (11).

  The system C130 converts the provisional second personal information into the user's second personal information, and performs a charge transfer process (S13).

  The subsequent information flow is generally processed between the accounting server owned by the brokerage center 125, the credit card company (company C) and the online shop and the accounting server of the financial institution.

  The online shop then ships the product based on the address of the delivery center 124 of the mediation center 125 (Yanda-Yyyyy, Chiyoda-ku, Tokyo) (19). Then, the delivery center 124 redelivers the product sent from the online shop to the user's home or the like based on the user's name and address.

  FIG. 11 is a diagram for explaining the database structure of the first database 122 provided in the electronic commerce mediation system 120. FIG. 11 shows an example of personal information items. The first database 122 stores (stores) personal information of a plurality of specific items in a table format.

  The specific items include a first personal information such as a reception number, a user name, an address, an e-mail address, and a telephone number.

  FIG. 12 is a diagram for explaining the database structure of the second database 123 provided in the electronic commerce mediation system 120.

  FIG. 12 shows an example of provisional first personal information items. The second database 123 stores (stores) temporary first personal information of a plurality of specific items in a table format.

  The plurality of specific items include a temporary credit card name which is temporary first personal information, a temporary e-mail address, and the like. The reception number is “0” as a default value, and when the electronic commerce mediation system 120 receives personal information from the user terminal 10, the reception number is described above the reception number column.

  FIG. 13 is a diagram for explaining the database structure of the third database 132 provided in the credit card company system 130.

  FIG. 13 shows an example of personal information items. The third database 132 stores (stores) all personal information of a plurality of specific items in a table format.

  The specific items include a user name, an address, an e-mail address, a telephone number, a credit card number / expiration date, etc., which are all personal information.

  FIG. 14 is a diagram for explaining the database structure of the fourth database 133 provided in the credit card company system 130.

  FIG. 14 shows an example of items of provisional all personal information. The fourth database 133 stores (stores) temporary second personal information of a plurality of specific items in a table format. The plurality of specific items include a temporary credit card number and a time limit that are temporary second personal information.

  These databases are physically configured by hardware such as a hard disk and a memory, and information is stored (stored) therein.

  FIG. 15 is a functional block diagram of the electronic commerce mediation system 120 which is the second best mode of the present invention.

  The electronic commerce mediation system 120 includes an electronic commerce mediation server 121 and databases 122 and 123. The electronic commerce mediation server 121 includes a first temporary personal information transmission unit 121-1, a second temporary first personal information. It comprises conversion means 121-2. The credit card company system 130 includes a server C131 and databases 132 and 133. The credit card company server C131 includes third temporary personal information transmission means 131-1, temporary second personal information conversion means 131. -2.

  The arrows between the e-commerce brokerage system 120, the credit card company system 130, the user terminal 10, and the online shop system 50 describe the order of information flow input and output from the system and apparatus and the contents of the information. Yes. The flow will be described below. The order of this flow does not match the order of the information flow in FIG. 10, but the flow excluding the subscription application confirmation mail (2), number / expiration confirmation (7) and reply (9) in FIG. It is arranged in the order of.

  First, user information is transmitted from the user terminal 10 to the second temporary personal information transmission unit 121-1 (1), and the temporary personal information transmission unit 121-1 transmits this user information according to the processing procedure shown in FIG. 16. The information is processed, and a credit card number request mail is transmitted to the third temporary personal information transmitting means 131-1 (2), and a temporary mail address and the like are transmitted to the user terminal 10 (3).

  The third temporary personal information transmitting unit 131-1 that has received the request mail processes the information according to the processing procedure shown in FIG. 18, and transmits the temporary second personal information and the like to the user terminal 10 (4). The user terminal 10 uses the temporary personal information to access the online shop homepage and applies for a product to be purchased (5).

  Then, the online shop system 50 transmits the application confirmation mail using the temporary mail address, and the second temporary first personal information converting means 121-2 that has received the application confirmation mail performs the processing shown in FIG. The information is processed according to the procedure, and the application confirmation margin is transmitted to the user terminal 10 using the user email address (7).

  Further, the online shop system 50 transmits a transfer request mail to the system C130, and the temporary second personal information conversion means 131-2 of the server C131 that has received the transfer request mail receives the information by the processing procedure shown in FIG. Process the transfer billing fee (8).

  FIG. 16 is a diagram illustrating a processing procedure, ie, a flowchart, in which the second temporary personal information transmission unit 121-1 of the electronic commerce mediation system 120 processes information.

  When receiving the user information excluding the credit card number / expiration date transmitted from the user terminal 10, that is, the first personal information, the electronic commerce brokerage system 120 assigns a reception number to the first personal information, Store in the database 122 (S41). The first personal information stored in the first database 122 is stored in the table format as shown in FIG.

  A line in which the reception number is not described in the second database 123 is searched, and the number is described in the reception number column (S42). The acceptance number is described in the subscription application confirmation email and transmitted to the user terminal (S43).

  Temporary first personal information related to the receipt number stored in the second database 123 is extracted to create a temporary first personal information lending mail describing the temporary first personal information. (S44).

  In addition, when the user transmits the first personal information from the user terminal 10, convenience store information (name, address, telephone, etc.) that conveys the product is posted on the homepage of the electronic commerce brokerage system 120, and the user May make it easier to obtain goods by selecting a convenience store close to the residence. In that case, in S43 of FIG. 16, the convenience store information is attached to the subscription application confirmation mail and transmitted to the user terminal 10.

  When a user selects and applies for a product from the homepage of the online shop at the user terminal 10, the convenience store information may be attached and transmitted to the online shop system 50. In this case, the product reaches the convenience store directly selected by the user without going through the mediation center 25.

  FIG. 17 is a diagram illustrating a processing procedure, that is, a flowchart, in which the temporary first personal information conversion unit 121-2 of the electronic commerce mediation server 121 processes information.

  When the electronic commerce brokerage system 120 receives the application confirmation mail transmitted from the online shop system 50, the temporary first personal information conversion means 121-2 of the system 120 receives the temporary first email address that is the received mail address of the mail. Personal information is extracted (S51). As shown in the flow 6 of FIG. 10, since the user has applied for the product with the provisional first personal information, the application confirmation is made to the electronic commerce brokerage server 121 having the provisional first personal information. An email is sent.

  The reception number is searched from the second database 123 based on the temporary first personal information, and the first personal information of the user is searched from the first database 122 based on the searched number (S52).

  Based on the searched first personal information of the user, an application confirmation mail is created and transmitted to the user terminal 10 (S53).

  Based on the reception number of the first personal information of the user, the reception number of the first database 122, the first personal information, and the reception number of the second database 123 are deleted (S54).

  FIG. 18 is a diagram illustrating a processing procedure, that is, a flowchart, in which the third temporary personal information transmitting unit 131-1 of the credit card company server C131 processes information.

  The second personal information request mail is received from the electronic commerce brokerage system 120, and the third database is searched based on the second personal information attached to the mail, and the reception number of the request mail is entered in the reception number column. Fill in (S61).

A line in which the receipt number is not entered in the receipt number column of the fourth database is searched and the receipt number is entered (S62).
A mail describing the temporary second personal information is created and transmitted to the user terminal 10 (S63).

  The confirmation mail of the second personal information is received from the online shop system 50, and a reply mail is created and transmitted (S64).

  FIG. 19 is a diagram illustrating a processing procedure, that is, a flowchart, in which the temporary second personal information converting unit 131-2 of the credit card company server C131 processes information.

  The transfer request mail is received from the online shop system 50 (S71), the fourth database is searched based on the provisional second personal information in the transfer request mail, and the reception number is extracted. The second personal information is extracted by searching the database (S72).

  Based on the extracted second personal information, the credit card company debits the billing fee from the bank account owned by the user and transfers the billing fee to the bank account of the online shop (S73).

  As can be seen from the above description, the provisional first personal information conversion means 121-2 of the electronic commerce mediation system 120 and the provisional second personal information transmission means of the credit card system 130 are respectively the provisional first personal information and provisional first information. (2) By providing a function for transmitting a loan e-mail describing personal information to the user terminal, the user can notify the user of the product purchase application content in real time on the user terminal. Since it is not transmitted to the broker center server in real time, the problem that the URL is changed or the product is sold out occurs and the user's request cannot be achieved.

  In addition, the provisional first personal information converting means 121-2 of the electronic commerce mediation system 120 has a function of deleting the first personal information, so that the system administrator of the mediation server can leak personal information. It is possible to prevent.

  Further, the provisional second personal information converting means 131-2 of the online shop system 50 has a function of converting the provisional second personal information into the user's second personal information, so that the online shop system 50 can be charged in real time. Can be transferred.

It is a figure explaining the whole block diagram of this invention. The user terminal 10, credit card system A 40, brokerage center server 21, credit card system B 30, and online shop system 50 with a transfer of billing charges from the credit card system B 30, from the user's application for subscription to the broker center to conduct electronic commerce. It is a figure explaining the flow of information between. It is a figure explaining the database structure of the 1st database. It is a figure explaining the database structure of the 2nd database. It is a functional block diagram of the electronic commerce mediation system 20 which is the best mode of the present invention. It is a figure explaining the flowchart which the temporary personal information transmission means 21-1 of the electronic commerce mediation system 20 processes information. It is a figure explaining the flowchart with which the temporary 1st personal information conversion means 21-2 of the electronic commerce mediation system 20 processes information. It is a figure explaining the flowchart in which the temporary 2nd personal information conversion means 21-3 of the electronic commerce mediation system 20 processes information. It is a figure explaining the whole block diagram of the 2nd best form of this invention. It is a figure explaining the flow of the information among the user terminal 10, the mediation center server 121, the server C131, and the online shop system 50. It is a figure explaining the database structure of the 1st database 122 with which the electronic commerce mediation system 120 is provided. It is a figure explaining the database structure of the 2nd database 123 with which the electronic commerce mediation system 120 is provided. It is a figure explaining the database structure of the 3rd database 132 with which the credit card company system 130 is provided. It is a figure explaining the database structure of the 4th database 133 with which the credit card company system 130 is provided. It is a functional block diagram of the electronic commerce mediation system 120 which is the 2nd best form of this invention. It is a figure explaining the process sequence which the 2nd temporary personal information transmission means 121-1 of the electronic commerce mediation server 121 processes information, ie, a flowchart. It is a figure explaining the process sequence which the 2nd temporary 1st personal information conversion means 121-2 of the electronic commerce mediation server 121 processes information, ie, a flowchart. It is a figure explaining the process sequence which the 3rd temporary personal information transmission means 131-1 of the credit card company server C131 processes information, ie, a flowchart. It is a figure explaining the process sequence which the 2nd temporary 2nd personal information conversion means 131-2 of the credit card company server C131 processes information, ie, a flowchart. It is a figure explaining the structure of the conventional electronic commerce. It is a figure explaining the structure of the electronic commerce performed via the conventional mediation center.

Explanation of symbols

10 User terminal 10 Electronic commerce mediation system 21 Electronic commerce mediation server 21-1 Temporary personal information transmission means 21-2 Temporary first personal information conversion means 21-3 Temporary second personal information conversion means 22 First database 23 Second Database 24 Distribution center 25 Brokerage center 30 Company B server 31 Credit card number of company B contracted by brokerage center Server A of company 41 Second personal information of company A contracted by user 50 Online shop system 60 Internet 120 Second Electronic commerce mediation system 121 of the best form of the second electronic commerce mediation server 121-1 of the second best form 121-2 provisional first personal information transmission means 121-2 provisional first personal information conversion means 122 first database 123 second Database 130 Credit Card System C
131-1 provisional 2nd personal information transmission means 131-2 provisional 2nd personal information transmission means 132 3rd database 133 4th database

Claims (27)

In an electronic commerce brokerage system of a brokerage center connected to a user terminal, a credit card system and an online shop system via the Internet,
The electronic commerce mediation system includes a database for storing all personal information of users and temporary first personal information;
All the personal information of the user received from the user terminal is stored in the database, and the temporary first personal information stored in the database is transmitted to the credit card system and then received from the computer system. An electronic commerce brokerage system comprising: temporary total personal information transmitting means for transmitting a temporary personal information lending mail attached with the second personal information and the temporary first personal information to a user terminal.   The electronic commerce mediation system according to claim 1, wherein the database includes a first database that stores all personal information and a second database that stores temporary first personal information.   2. The electronic commerce mediation system according to claim 1, wherein the all personal information includes a user name, an e-mail address, and second personal information / time limit.   4. The electronic commerce mediation system according to claim 3, wherein the all personal information further includes an ID and a password.   The electronic commerce mediation system according to claim 2, wherein the temporary first personal information includes a temporary credit name and temporary first personal information.   2. The electronic commerce brokerage system according to claim 1, wherein the credit card company is a credit company contracted by a brokerage center.   The temporary all personal information transmitting means, when receiving all personal information from the user terminal, assigns an identification code to the all personal information, stores it in the database, and stores the identification code in the identification code column of the database. 2. The electronic commerce mediation system according to claim 1, wherein the identification code is described by searching for a line having no description.   8. The electronic commerce brokerage system according to claim 7, wherein the identification code is a reception number assigned when all personal information transmitted from a user terminal is received.   The provisional total personal information transmission means further comprises a function of creating a subscription application confirmation email attached with convenience store information after receiving the total personal information from the user terminal, and transmitting it to the user terminal. The electronic commerce mediation system according to claim 1.   Temporary first personal information conversion means for converting the temporary first personal information of the application confirmation mail received from the online shop system into the first personal information and transmitting the mail to the user terminal is further provided. The electronic commerce mediation system according to claim 1.   The temporary first personal information converting means converts the temporary first personal information into the first personal information by searching for the same information from the database using the temporary credit name and the temporary first personal information. 10. The electronic commerce mediation system according to claim 9, wherein the conversion is performed by extracting one piece of personal information.   The user's second personal information is extracted based on the identification code of the application confirmation mail, the temporary second personal information of the application confirmation mail is converted into the user's second personal information, and the second personal information is described 11. The electronic commerce mediation system according to claim 10, further comprising provisional second personal information conversion means for creating a transfer request mail and transmitting it to the credit card system. In an electronic commerce brokerage system of a brokerage center connected to a user terminal and an online shop system via the Internet,
The electronic commerce brokerage system includes a database for storing all personal information of users and temporary personal information;
When all the personal information is received from the user terminal, an identification code is assigned to the personal information and stored in the database, and the temporary personal information is extracted and attached to the temporary personal information loan mail. And a provisional personal information transmitting means for transmitting to the user terminal.   14. The electronic commerce mediation system according to claim 13, wherein the database includes a first database that stores all personal information and a second database that stores temporary total personal information.   15. The electronic commerce mediation system according to claim 14, wherein the all personal information includes a user name, an e-mail address, and second personal information.   16. The electronic commerce mediation system according to claim 15, wherein the all personal information further includes an ID and a password.   15. The electronic commerce brokerage system according to claim 14, wherein the temporary all personal information includes temporary first personal information and temporary second personal information.   15. The electronic commerce mediation according to claim 14, wherein the temporary personal information transmitting means searches for a row in which no identification code is described in an identification code column of the second database and describes the identification code. system.   19. The electronic commerce mediation system according to claim 18, wherein the identification code is a receipt number assigned when receiving personal information transmitted from a user terminal.   The provisional total personal information transmission means further comprises a function of creating a subscription application confirmation email attached with convenience store information after receiving the total personal information from the user terminal, and transmitting it to the user terminal. The electronic commerce mediation system according to claim 13. In an electronic commerce system connected to a user terminal, an electronic commerce brokerage system of a brokerage center, a credit card system and an online shop system via the Internet,
The electronic commerce intermediary system of the electronic commerce system includes a database storing first personal information and temporary first personal information;
Temporary first personal information transmission means for storing the first personal information received from the user terminal in the database and transmitting the temporary first personal information stored in the database to the user terminal;
The credit card system of the electronic commerce system includes a database for storing all personal information and temporary second personal information;
An email in which the second personal information request mail is received from the electronic commerce brokerage system, temporary second personal information is extracted from the database based on the second personal information attached to the mail, and the information is described. An electronic commerce system comprising: provisional second personal information transmission means for creating and transmitting the information to the user terminal.   The electronic commerce system according to claim 21, wherein the database of the electronic commerce brokerage system includes a first database and a second database.   23. The electronic commerce system according to claim 22, wherein first personal information is stored in the first database, and temporary first personal information is stored in the second database.   The electronic commerce system according to claim 21, wherein the database of the credit card system includes a third database and a fourth database.   25. The electronic commerce system according to claim 24, wherein all personal information is stored in the third database, and temporary second personal information is stored in the fourth database.   The provisional first personal information transmitting means further comprises a function of creating a subscription application confirmation mail attached with convenience store information after receiving the first personal information from the user terminal and transmitting the subscription application confirmation email to the user terminal. The electronic commerce system according to claim 21. The electronic commerce brokerage system receives an application confirmation email from the online shop, extracts temporary first personal information from the application confirmation email, and first personal information from the database based on the temporary first personal information. The credit card system receives the transfer request mail from the online shop system, the temporary personal information conversion means for creating an application confirmation mail based on the first personal information, and the transfer request mail The electronic commerce system according to claim 21, further comprising provisional second personal information conversion means for retrieving second personal information from the database based on temporary second personal information therein.

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