JPH09198440A - On-line transaction device and on-line transaction method - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make everyone able to perform an on-line transaction by a simple operation. SOLUTION: In the on-line transaction device 1 and on-line transaction method, information relating to a transaction object is stored in a storage part 2, the information is displayed at a display part 3 and transaction contents are inputted from an input part 4. A transaction money amount is calculated in a money amount calculation part 5 based on the inputted transaction contents, the money paying processing of the transaction money amount is performed in a money paying processing part 6 and money paying information and the transaction contents are transmitted from a communication control part 7 through a line L to a communication center. Also, a prescribed information periodically sent from the communication center through the line L is received in the communication control part 7.

Description

Detailed Description of the Invention

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an online transaction device and an online transaction method for conducting transactions with a trader via a communication center connected by a line.

[0002]

2. Description of the Related Art In recent years, transactions such as online purchase of goods using a telephone line or the like have been actively carried out. For example, in the case of purchasing a book by so-called personal computer communication using a personal computer, a medium such as a CD-ROM or a floppy disk in which information such as the title, author name, and price of the book is input in advance is sent from the communication center. The reader then receives this, reads it with a reading device corresponding to the medium, and makes a purchase application for a desired book through a telephone line or the like.

In order to make a purchase application, first, the terminal is connected to a communication center via a telephone line or the like, and information regarding the application for a desired book is sent to the communication center. This application information is sent from the communication center to the book seller, and the seller who received it sends the desired book to the applicant by mail or home delivery.

[0004] In this online transaction, the applicant has previously registered the membership number of the credit card with the communication center, so the transaction amount such as the purchase of goods will be sent to the seller by the credit card. Will be paid.

[0005]

However, in order to purchase an article online as described above, the applicant must be the owner of the credit card, and the member of the credit card must be sent to the communication center. It is necessary to register the number etc. Further, it is necessary to have a device for reading a medium that stores information related to the purchase of goods sent from the communication center, and a terminal for connecting to the communication center via a telephone line or the like.

Moreover, since payment is made with a credit card registered in the communication center, if the applicant's connection ID or password to the communication center is known to a third party, he / she must carry that credit card. There is a risk that contracts such as purchase of goods will be made without permission by a third party who does not.

[0007]

The present invention is an online transaction device and an online transaction method, which have been made to solve such problems. That is, the online transaction device of the present invention is a device that conducts a transaction with a trader via a communication center connected by a line, and stores it in a transaction object storage unit that stores information regarding transaction objects and a transaction object storage unit. Displayed information that is displayed, an input unit that inputs transaction details based on the display contents of the display unit, an amount calculation unit that calculates the transaction amount based on the transaction contents input from the input unit, and the payment of the transaction amount A communication control that transmits a deposit processing unit that performs processing, deposit information and transaction details regarding deposits in the deposit processing unit to a communication center via a line, and receives predetermined information sent from the communication center via the line And a section.

Further, in the online transaction method of the present invention, first, information on a predetermined transaction object stored in advance in the transaction object storage section is displayed on the display section, the transaction content is input based on the display content, and then the transaction content is input. Is a method of calculating a transaction amount based on the input transaction content, performing a deposit process of the transaction amount, and then transmitting deposit information regarding the deposit and the transaction content to a communication center via a line.

In the present invention as described above, the information regarding the transaction target is stored in advance in the transaction target storage unit, and the contents stored in the transaction target storage unit are displayed on the display unit. A person who wants to make a transaction inputs desired transaction content from the input section with reference to the information on the transaction object displayed on the display section. As a result, the amount calculation unit calculates the transaction amount based on the input transaction content, and the deposit processing unit performs the deposit process according to the transaction amount. After that, the communication control unit transmits the information regarding the deposit and the transaction contents to the communication center via the line, and informs the trader of the contents.

Further, the communication control unit receives predetermined information sent from the communication center via the line. That is, the communication center sends a notification as to whether or not a predetermined transaction has been normally performed and information regarding a new transaction target through the line, and the communication control unit receives the notification and information. There is. Notification of whether or not the transaction was successful is displayed on the display unit after being received by the communication control unit, and when the information regarding the new transaction target is received, it should be stored in the transaction target storage unit. become.

[0011]

BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of an online transaction device and an online transaction method according to the present invention will be described below with reference to the drawings. FIG. 1 is a configuration diagram illustrating an embodiment of an online transaction device of the present invention.

That is, the online transaction device 1 in this embodiment is a device for conducting transactions with a trader via a communication center connected by a line L, and is, for example, a public place such as a public office or a station, or a company. It is installed in a common space.

This online transaction device 1 mainly includes a storage unit 2 such as a hard disk for storing information about transaction objects, a display unit 3 such as a display for displaying the storage contents of the storage unit 2, and a display content of the display unit 3. An input unit 4 for a person who wants to make a transaction based on a predetermined transaction content, an amount calculation unit 5 for calculating a transaction amount, a deposit processing unit 6 for performing a deposit process using cash or a predetermined card, and a line L. And a communication control unit 7 that performs information communication with a communication center via the communication center.

Further, the online transaction device 1 includes
A medium reading unit 8 for reading various information from a medium such as a CD-ROM or a floppy disk and storing it in the storage unit 2, a printing unit 9 including a printer for outputting transaction details, and a control unit for controlling each unit. 10 are provided.

The online transaction device 1 in this embodiment
Since it is installed in a public place or the like, it is characterized in that even a person who has not specially registered with the communication center can carry out a predetermined transaction. In addition, since the credit card registered to the communication center is used for the normal online transaction, only the owner of the credit card can perform the transaction. However, in the online transaction device 1 of the present embodiment, Since the cash processing unit 61 and the card processing unit 62 are provided as the deposit processing unit 6, even a person other than the owner of the credit card can carry out the transaction.

Next, the online transaction method of the present invention will be described with reference to FIG.
~ It demonstrates in order along the flowchart of FIG. In addition,
In this online transaction method, the online transaction device 1 shown in FIG. 1 is used, and reference numerals not shown in FIGS. 2 to 4 refer to FIG. Further, in the following description, a case where a book is a transaction target is taken as an example.

First, as shown in step S101 of FIG. 2, data relating to a book to be traded is registered / updated. The information regarding the transaction target includes the title of the book, the author's name, and the price, which is periodically sent from the communication center via the line L and received by the communication control unit 7 to be stored in the storage unit 2.
It is stored in the book data file F1 inside.
In addition to those sent via line L, CD-R
Information stored in a medium such as an OM or a floppy disk may be read by the medium reading unit 8 and stored in the book data file F1 in the storage unit 2.

Further, the information received by the communication control unit 7 and the medium reading unit 8 includes data such as the delivery fee of the book and is stored in the delivery file F2 in the storage unit 2. It will be. These data are received by the communication control unit 7 and the medium reading unit 8 and are stored in the storage unit 2 as they are in the case of new data, and are added to the data already stored in the storage unit 2 in the case of addition. In the case of a change or update, the stored data is replaced.

Next, as shown in step S102, the customer searches for information about the book displayed on the display unit 3 and inputs predetermined order contents from the input unit 4. When the desired book is found, the specification and quantity of the book are input from the input unit 4. Also, the book delivery address (address, phone number,
Enter the name, etc.). This input content is displayed on the display unit 3, and after having been confirmed by the customer, if the customer is correct, the customer is instructed to "order". If you make a mistake, ask for another input.

After that, as shown in step S103,
The price calculator 5 reads the price of the book from the book data file F1 and multiplies the price by the order quantity to calculate the total price of the book. Further, the money amount calculation unit 5 reads out the delivery fee of this book from the delivery file F2 and calculates it as other expenses.

In step S104, the contents of the order and the cost of the order are displayed on the display unit 3 according to the instruction from the control unit 10. Then, as shown in step S105, the customer determines whether or not the order details and costs are correct. If the customer determines that the order details and costs are correct, the order details are stored in the storage unit 2 as shown in step S106. On the other hand, if it is determined to be incorrect, the process returns to step S102.

Next, as shown in step S107, a payment method is selected. As the settlement method, payment by cash, payment by credit card, payment by a predetermined card (prepaid card or the like), or the like is designated.

Next, as shown in step S201 of FIG. 3, it is determined whether the payment method is cash or card. If it is cash, the process proceeds to step S202 and cash processing is performed. The cash processing is performed by the cash processing section 61 of the deposit processing section 6. The cash processing unit 61 receives a predetermined amount of money in cash from the customer and causes the display unit 3 to display the received amount of money.

If the payment method is a card, the flow advances to step S203 to determine whether the card is a credit card or another card (prepaid card or the like). In the case of other cards, the process proceeds to step S204, and the card processing unit 62 of the deposit processing unit 6 carries out processing for withdrawing the required amount of money from the card. Then, the content is displayed on the display unit 3.

On the other hand, if the card is a credit card, the process proceeds to step S205, and the card processing unit 62 accepts the credit card and then collates the membership number of the credit card. Then, in step S206, it is determined whether the credit card can be used,
If it can be used, the credit card processing shown in step S207 is performed. The content of payment by this credit card is displayed on the display unit 3.

If the credit card is unusable, the card is returned as shown in step S304 of FIG. 4, and the display unit 3 displays that the credit card cannot be used. .

Next, after the payment details by any of the payment methods are displayed on the display unit 3, the customer is asked to confirm, and if confirmed, the payment details and the payment method storage shown in step S301. I do. These data will be stored in the storage unit 2.

Then, as shown in step S302,
The order contents and the payment contents are printed out from the printing unit 9. After that, as shown in step S303, the stored order content and payment content are transmitted from the communication control unit 7 to the communication center via the line L. As a result, the order contents and the settlement contents are transmitted via the line L and accumulated in the server of the communication center. The book seller will deliver the ordered book to the customer based on the order contents and the settlement contents accumulated in the server of the communication center.

As described above, even if the customer does not have a terminal at home, the customer can refer to the latest information on the product by using the online transaction device 1 installed in a public place and the display of the display unit 3 Online transactions can be performed with simple operations according to the contents. In addition, even online transactions have the merit that the payment method can be cash and various cards can be selected.

Next, a second embodiment of the present invention will be described.
In the online transaction method according to the second embodiment, the delivery address input when the customer first makes a transaction is recorded on a predetermined card and output, and this card is used at the time of the next transaction. The feature is that it saves the trouble of inputting the delivery destination.

That is, when a customer makes a transaction for the first time using the online transaction device 1 shown in FIG. 1, he inputs the delivery address (address) or telephone number of a purchased article such as a book, the customer's name, etc. This customer information is recorded on a predetermined card and output from the printing unit 9. The customer saves this card and inserts this card into the card processing unit 62 at the next transaction.

The customer refers only to the contents of the product displayed on the display unit 3 and only specifies the ordered product. Regarding other customer information, the information recorded on the inserted card by the card processing unit 62 is read and displayed on the display unit 3.

According to the second embodiment as described above, the customer only has to specify the item to be ordered, and it is not necessary to input the delivery address, the telephone number, the name, etc. each time a transaction is made, and the operation load is greatly increased. Can be reduced to.

In each of the above embodiments, an example of a transaction in which a product such as a book is traded has been described. However, the present invention is not limited to the transaction of a product, and is a transaction in which a service is traded. Is also the same.

[0035]

As described above, the online transaction device and the online transaction method of the present invention have the following effects. That is, according to the present invention, it is possible to easily make a transaction even if there is no terminal at the home that can be connected to the communication center online, or even if the person has not registered with the communication center. In addition, since the communication center regularly sends information about the transaction target via the line, the latest information can be obtained, and even if you are geographically separated, you can order the latest products etc. It becomes possible to do.

In addition, it is possible to select a preferred payment method such as cash, credit card, prepaid card,
Even for online transactions, it is possible to broaden the range of choices that customers can make for payments. Moreover, since it is not necessary to register the credit card with the communication center, there is no risk of a third party misusing the credit card, and reliable transactions can be performed.

[Brief description of drawings]

FIG. 1 is a configuration diagram illustrating an embodiment of an online transaction device of the present invention.

FIG. 2 is a processing flowchart (1) of the online transaction method.

FIG. 3 is a processing flowchart (part 2) in the online transaction method.

FIG. 4 is a processing flowchart (3) of the online transaction method.

[Explanation of Codes] 1 online transaction device 2 storage unit 3 display unit 4 input unit 5 amount calculation unit 6 deposit processing unit 7 communication control unit 8 medium reading unit 9 printing unit 10 control unit

Claims (6)

[Claims] 1. An online transaction device that conducts a transaction with a trader via a communication center connected by a line, wherein the transaction object storage unit stores information about a transaction object, and the transaction object storage unit stores the transaction object storage unit. A display unit for displaying the information, an input unit for inputting the transaction content based on the display content of the display unit, an amount calculation unit for calculating the transaction amount based on the transaction content input from the input unit, and the transaction amount And a deposit processing unit that performs deposit processing of the deposit information, and deposit information relating to deposit in the deposit processing unit and the transaction content to the communication center via the line and sent from the communication center via the line. An online transaction device, comprising: a communication control unit that receives predetermined information. 2. The online transaction device according to claim 1, further comprising a medium reading unit that reads information about a transaction object stored in a predetermined medium. 3. The communication control unit periodically receives information on a transaction object sent from the communication center via the line, and stores the information in the transaction object storage unit. The online transaction device according to item 1 or 2. 4. An online transaction method for conducting a transaction with a trader via a communication center connected by a line, wherein information on a predetermined transaction object previously stored in a transaction object storage section is displayed on a display section. Display and enter transaction details based on the displayed content, then calculate the transaction amount based on the entered transaction details, perform deposit processing of the transaction amount, and then deposit information regarding the deposit and the transaction And the contents are transmitted to the communication center via the line. 5. The online transaction method according to claim 4, wherein the transaction object information stored in a predetermined medium is read and stored in the transaction object storage unit. 6. The online transaction method according to claim 4, wherein information on a transaction object is sent from the communication center periodically via the line, and the information is stored in the transaction object storage unit.