JPH09282371A - Electronic payment system - Google Patents

Electronic payment system

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Publication number
JPH09282371A
JPH09282371A JP8858196A JP8858196A JPH09282371A JP H09282371 A JPH09282371 A JP H09282371A JP 8858196 A JP8858196 A JP 8858196A JP 8858196 A JP8858196 A JP 8858196A JP H09282371 A JPH09282371 A JP H09282371A
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Japan
Prior art keywords
consumer
credit card
banks
member
personal identification
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Pending
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JP8858196A
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Japanese (ja)
Inventor
Hiroyuki Komai
博幸 駒井
Original Assignee
Hiroyuki Komai
博幸 駒井
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Application filed by Hiroyuki Komai, 博幸 駒井 filed Critical Hiroyuki Komai
Priority to JP8858196A priority Critical patent/JPH09282371A/en
Publication of JPH09282371A publication Critical patent/JPH09282371A/en
Application status is Pending legal-status Critical

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Abstract

PROBLEM TO BE SOLVED: To provide an electronic payment system which evade problems of credit of banks and credit card companies to member retailers and problems of utilization value of networks of the banks and credit card companies by interposing an agent payment institution between them.
SOLUTION: The agent payment institution is interposed between communication networks connecting consumers, the member retailers of unlimited business, and the banks and credit card companies, and this agent payment institution provides plural password codes for a consumer in advance; and the consumer purchases an article from a member retailer through the agent payment institution with a proper password code, the member retailer confirms the identity of the consumer with the said password code through the agent payment institution and bills the agent payment institution for the sale, and the agent payment institution confirms the identity of the consumer with the said password code and bills the bank or credit card company for the sale. Then, the bank or credit card company bills the consumer to receive the money from the consumer, and the bank or credit card company pays the money to the member retailer through the agent payment institution.
COPYRIGHT: (C)1997,JPO

Description

【発明の詳細な説明】 DETAILED DESCRIPTION OF THE INVENTION

【0001】 [0001]

【発明の属する技術分野】この発明は電子決済システムに関し、関係する消費者、加盟小売店および銀行・クレジットカード会社間で無理なく電子決済を行なうことができる電子決済システムを提供しようとするものである。 BACKGROUND OF THE INVENTION The present invention relates to an electronic settlement system, intended to provide an electronic settlement system that can be carried out consumer concerned, the electronic payment without any difficulty among member retail stores and banks and credit card companies is there.

【0002】 [0002]

【従来の技術】近年、通信ネットワークのめざましい普及により、通信ネットワーク上で電子取引を行なうことが種々試みられてきているが、現在は通信ネットワークにアクセスしてディスプレイ等の上で買いたい商品を選べるものの、購入後の決済は電話やファクシミリを通じて口座からの引き落としにより行なわなければならなかった。 In recent years, the remarkable spread of the communication network, but to perform electronic trading on the communication network has been various attempts, now choose products that want to buy on, such as a display to access the communication network although, the settlement after the purchase had to be carried out by debit from the account over the telephone or facsimile.

【0003】このような不便を解消するための電子決済システムとしては、図4のように消費者、加盟小売店および銀行・クレジットカード会社を結ぶ通信ネットワークを形成し、これに本人確認用の電子データを登録する認証機関を付設して、加盟小売店から商品を購入するたびに消費者が通信データ中に組み込んだ暗号データによって自動的に本人確認をし、加盟小売店は認証機関から提供された本人確認用の電子データによる消費者の本人確認をするとともに、銀行・クレジットカード会社から支払いを受け、銀行・クレジットカード会社は消費者に請求をして消費者から支払いを受けるようにしたものが提案されている。 [0003] Examples of the electronic payment system in order to solve such inconvenience, consumers as shown in FIG. 4, the member retail stores and to form a communication network connecting the banks and credit card companies, electronic of the person for confirmation to this and attached a certification body to register the data, affiliated retail store consumer every time you purchase an item from automatically to the identification by the encryption data incorporated in the communication data, the member retail stores is provided from a certificate authority with the identification of the consumer by the electronic data of the person for confirmation ones, we received payment from the banks and credit card companies, banks and credit card companies, which was to receive the payment from the consumer to the claim to the consumer There has been proposed.

【0004】 [0004]

【発明が解決しようとする課題】しかしながら、上記認証機関を設置しても、加盟小売店に対する銀行・クレジットカード会社の信用が得られにくかったり、銀行・クレジットカード会社のネットワークの利用価値の検証が難しかったりして、加盟小売店が加入する上での大きな障害となっていた。 The object of the invention is to, however, be equipped with the authentication authority, or difficult credit is obtained of the banks and credit card companies for the affiliated retail stores, verification of network utilization value of the banks and credit card companies and difficult or, affiliated retail stores has been a major obstacle in order to join.

【0005】本人確認用の電子データを認証機関に登録して、通信データ中に暗号データとして組み込んで本人確認しようとしても、いわゆるハッカーに簡単に解読されてしまい、当該暗号データでハッカーが電子取引するという悪用の危険性が非常に高かった。 [0005] to register the electronic data for identification confirmation to a certification authority, even as you try to verify your identity be incorporated into the communication data as encrypted data, will be easy to decipher to the so-called hackers, hacker electronic trading in the encrypted data the risk of misuse that was very high.

【0006】この発明の電子決済システムは従来例の上記欠点を解消しようとするもので、加盟小売店に対する銀行・クレジットカード会社の信用の問題、銀行・クレジットカード会社のネットワークの利用価値の問題を代行決済機関を介在させることによって回避し、加盟小売店が無理なく加入することができ、またハッカーに簡単に解読されて悪用されるという危険性をほとんど解消した電子決済システムを提供しようとするものである。 [0006] The electronic settlement system of the present invention is intended to overcome the above drawbacks of the conventional example, the member retail stores problem of credit of banks and credit card companies for the, network usage value of banking and credit card company issues that was avoided by the interposition of the proxy settlement institutions, can be affiliated retail stores to join without any difficulty, also tries to provide most electronic payment system that eliminates the risk of being exploited are easily deciphered by hackers it is.

【0007】 [0007]

【課題を解決するための手段】すなわち、この発明の電子決済システムは、消費者、加盟小売店および銀行・クレジットカード会社を結ぶ通信ネットワーク間に代行決済機関を介在させ、この代行決済機関が消費者に別途提供した複数の暗証番号を用いて、消費者が適宜の暗証番号で代行決済機関を通じて加盟小売店から商品を購入し、加盟小売店は代行決済機関に上記暗証番号による消費者の本人確認をするとともに、代行決済機関に売上請求し、代行決済機関は上記暗証番号による消費者の本人確認をするとともに、銀行・クレジットカード会社に売上請求し、銀行・クレジットカード会社は消費者に請求をして消費者から支払いを受け、銀行・クレジットカード会社は代行決済機関を通じて加盟小売店に代金支払するようにしたことを That SUMMARY In order to achieve the above, the electronic settlement system of the present invention, the consumer, the member retail stores and by interposing a proxy settlement authority between the communication network between the banks and credit card companies, consumption is the agency clearing house by using a plurality of personal identification number that was provided separately to the person, the consumer purchases a product from the affiliated retail stores through proxy settlement agencies in an appropriate personal identification number, the member retailers of consumer by the personal identification number to the proxy settlement institution himself claim with the confirmation, the sales claim to the proxy settlement institutions, along with the proxy settlement agencies to the identification of the consumer by the personal identification number, and sales charged to banks and credit card companies, banks and credit card companies to consumers I received a payment from the consumer to the, the banks and credit card company that you have to be payment to the member retail stores through proxy settlement institutions 徴とするものである。 It is an butterfly.

【0008】また、この発明の電子決済システムは、消費者、加盟小売店および銀行・クレジットカード会社を結ぶ通信ネットワーク間に代行決済機関を介在させ、この代行決済機関が消費者に別途提供した複数の暗証番号を用いて、消費者が適宜の暗証番号で加盟小売店から商品を購入し、加盟小売店は代行決済機関に上記暗証番号による消費者の本人確認をするとともに、代行決済機関に売上請求し、代行決済機関は上記暗証番号による消費者の本人確認をするとともに、銀行・クレジットカード会社に売上請求し、銀行・クレジットカード会社は消費者に請求をして消費者から支払いを受け、銀行・クレジットカード会社は加盟小売店に代金支払するようにしたことをも特徴としている。 [0008] In addition, the electronic settlement system of the present invention, the consumer, by interposing a proxy settlement institution between the communication network linking member retail stores and banks and credit card companies, more than this agency settlement institution has provided separately to the consumer by using a personal identification number, along with the consumer to purchase goods from the member retail stores in an appropriate personal identification number, the member retailers to the identification of the consumer by the personal identification number to the proxy settlement institutions, sales to the proxy settlement institutions claims, along with the proxy settlement agencies to the identification of the consumer by the personal identification number, and sales charged to banks and credit card companies, banks and credit card company receives a payment from the consumer to the billing to the consumer, banks and credit card companies are also characterized that it has to be payment to the member retail stores.

【0009】さらに、この発明の電子決済システムは上記において、通信ネットワークがコンピュータ通信のネットワークであることをも特徴としている。 Furthermore, the electronic settlement system of the present invention in the above, is also characterized in that the communication network is a network of computer communications.

【0010】この発明の電子決済システムによれば、加盟小売店に対する銀行・クレジットカード会社の信用の問題、銀行・クレジットカード会社のネットワークの利用価値の問題を代行決済機関を介在させることによって回避し、加盟小売店が無理なく加入ことができる電子決済システムを提供可能となった。 [0010] According to the electronic settlement system of the present invention, avoided by the problem of credit of banks and credit card companies, to interpose a problem the agency clearing house network usage value of the banks and credit card companies for the member retail stores , it has become possible to provide an electronic payment system by the member retailers can join without difficulty.

【0011】またこの発明の電子決済システムによれば、代行決済機関から毎月のように提供される複数の暗証番号から、消費者が適宜選んで決済に使用することにより、ハッカーに簡単に解読されて悪用されるという危険性をほとんど解消することが可能となった。 [0011] According to the electronic settlement system of the present invention, a plurality of personal identification number provided from the proxy settlement organization every month, by the consumer to use the payment appropriately selected, easily decrypted by hackers the risk of being exploited Te and has made it possible to almost eliminate.

【0012】 [0012]

【発明の実施の形態】以下、図面に基づき、この発明の電子決済システムの実施の形態について説明する。 DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, with reference to the accompanying drawings, will be described embodiments of an electronic settlement system of the present invention.

【0013】図1は、この発明の電子決済システムの構成を示す概略図である。 [0013] Figure 1 is a schematic diagram showing a configuration of an electronic settlement system of the present invention.

【0014】この発明の電子決済システムは、消費者と、業種を問わずに加入した加盟小売店および銀行・クレジットカード会社を結ぶ通信ネットワークを利用するものである。 [0014] The electronic settlement system of the present invention includes a consumer, is to utilize a communication network that connects the member retail stores and banks and credit card companies that have subscribed to regardless of the industry. この通信ネットワークは、専用回線を利用する閉鎖的なシステムであっても、インターネットのようなオープンなシステムであってもよい。 The communications network may be a closed system that utilizes a dedicated line, or may be an open system, such as the Internet.

【0015】この発明においては、上記通信ネットワーク間に代行決済機関を介在させるものである。 [0015] In the present invention, in which an intervening proxy settlement organization between the communications network. この代行決済機関は加盟小売店に対しては入会を促して加入の促進を図るとともに、銀行・クレジットカード会社に対しては加盟小売店の信用照会を可能として、銀行・クレジットカード会社とのタイアップを促す機能を持つものである。 With promote the subscription to encourage enrollment for this agency settlement institution affiliated retail stores, as can a credit inquiry of affiliated retail stores to banks, credit card companies, Thailand with banks and credit card companies those having a function of promoting up. 上記代行決済機関と加盟小売店との間では加盟契約が交わされ、代行決済機関と銀行・クレジットカード会社との間では包括保証契約が交わされる。 Member agreement between the member retail outlets and the proxy settlement institution is exchanged, comprehensive guarantee contracts are exchanged in between the proxy settlement institutions and banks and credit card companies.

【0016】さらにこの代行決済機関は消費者に、例えば毎月、5〜20程度、好ましくは約10個からなる複数の暗証番号を、郵送ないしファクシミリ等によって提供する。 [0016] Further the proxy clearing house consumers, for example every month, about 5 to 20, preferably a plurality of personal identification numbers of about 10, provided by mail or facsimile.

【0017】消費者は加盟小売店から商品を購入する際、この複数の暗証番号の中の適当な暗証番号を、順次あるいはランダムに用い、代行決済機関を介して加盟小売店から商品を購入する。 [0017] when purchasing goods from the consumer is affiliated retail stores, the appropriate personal identification number in the plurality of personal identification number, used to sequentially or randomly, to purchase goods from the affiliated retail stores through a proxy settlement institutions .

【0018】次に業種を問わずに加入した加盟小売店は、代行決済機関を介して上記暗証番号による消費者の本人確認をするとともに、代行決済機関を介して銀行・ [0018] then the member retailers have subscribed to regardless of the industry, as well as to the identification of the consumer by the personal identification number via the proxy settlement institutions, banks and through the agency clearing house
クレジットカード会社に売上請求するだけであり、銀行・クレジットカード会社に対する信用の問題に頭を悩ますことなく、電子決済システムを利用することができる。 Is only to sales billed to the credit card company, without having to bother to credit problems for banks and credit card companies, it is possible to use the electronic payment system. もちろん、消費者は業種を問わずに加入した加盟小売店の、広いバリエーションの商品群の中から選択することができるので、非常に大きな利用価値が認められる。 Of course, consumers of the member retailers have subscribed to regardless of the industry, since it is possible to select from among the product groups of wide variation, very large utility value is recognized.

【0019】そして代行決済機関は、加盟代理店の加入促進、加入事務等を行ないながら、この電子決済システム上においては上記暗証番号による消費者の本人確認をするとともに、銀行・クレジットカード会社に売上請求する。 [0019] and agency clearing house, a member agency of the subscription promotion, while performing the subscription office, etc., as well as the identification of the consumer by the personal identification number on the electronic payment system, sales to banks and credit card companies Claim.

【0020】また銀行・クレジットカード会社は、加盟小売店の規模の大小や売上の推移、利益率その他の信用の問題を回避しつつ、代行決済機関を介して加盟小売店に代金を支払うことができる。 [0020] The banks and credit card companies, changes in the scale of large and small and sales of affiliated retail outlets, while avoiding the profit margin other credit issues, to pay the price to affiliated retail stores through a proxy settlement institutions it can. 他方、銀行・クレジットカード会社は消費者に請求をして消費者から支払いを受ければよい。 On the other hand, banks and credit card companies may be Ukere payment from the consumer to the billing to the consumer.

【0021】図2は、この発明の電子決済システムの別の例の構成を示す概略図である。 [0021] FIG. 2 is a schematic diagram showing the configuration of another example of the electronic settlement system of the present invention.

【0022】この発明の電子決済システムにおいても、 [0022] In the electronic settlement system of the present invention,
上記通信ネットワーク間に代行決済機関を介在させている。 It is interposed a proxy settlement organization between the communications network. この代行決済機関は加盟小売店に対しては入会を促して加入の促進を図るとともに、銀行・クレジットカード会社に対しては加盟小売店の信用を保証して、銀行・ With promote the subscription to encourage enrollment for this agency settlement institution affiliated retail stores, to guarantee the credit of the member retailers to banks, credit card companies, banks and
クレジットカード会社とのタイアップを促す機能を持つものである。 Those having a function of promoting the tie-up with the credit card company.

【0023】さらにこの代行決済機関は消費者に、例えば毎月、5〜20程度、好ましくは約10個からなる複数の暗証番号を、郵送ないしファクシミリ等によって提供する。 [0023] Further the proxy clearing house consumers, for example every month, about 5 to 20, preferably a plurality of personal identification numbers of about 10, provided by mail or facsimile.

【0024】消費者は加盟小売店から商品を購入する際、この複数の暗証番号の中の適当な暗証番号を、順次あるいはランダムに用いて、ネットワーク上で商品購入をすればよい。 [0024] when purchasing goods from the consumer is affiliated retail stores, the appropriate personal identification number in the plurality of personal identification number, using the sequential or random, may be the purchase on the network.

【0025】次に業種を問わずに加入した加盟小売店は、代行決済機関に上記暗証番号による消費者の本人確認をするとともに、代行決済機関に売上請求するだけであり、銀行・クレジットカード会社に対する信用の問題に頭を悩ますことなく、電子決済システムを利用することができる。 [0025] then the member retailers have subscribed to regardless of the industry, as well as to the identification of the consumer by the personal identification number to the proxy settlement institution, is only sales billed to the agency clearing houses, banks and credit card companies without having to bother to credit problems for, it is possible to use the electronic payment system.

【0026】そして代行決済機関は、加盟代理店の加入促進、加入事務等を行ないながら、この電子決済システム上においては上記暗証番号による消費者の本人確認をするとともに、銀行・クレジットカード会社に売上請求する。 [0026] and agency clearing house, a member agency of the subscription promotion, while performing the subscription office, etc., as well as the identification of the consumer by the personal identification number on the electronic payment system, sales to banks and credit card companies Claim.

【0027】また銀行・クレジットカード会社は、加盟小売店の規模の大小や売上の推移、利益率その他の信用の問題を回避しつつ、加盟小売店に代金を支払うことができる。 [0027] The banks and credit card companies, changes in the scale of large and small and sales of affiliated retail outlets, while avoiding the profit margin other credit issues, it is possible to pay the price to affiliated retail stores. 他方、銀行・クレジットカード会社は消費者に請求をして消費者から支払いを受ければよい。 On the other hand, banks and credit card companies may be Ukere payment from the consumer to the billing to the consumer.

【0028】図3は、この発明の電子決済システムのハード構成を示す概略図である。 [0028] FIG. 3 is a schematic diagram showing a hardware configuration of an electronic settlement system of the present invention.

【0029】この実施例の電子決済システムにおいては、多数の加盟小売店1をプロバイダー(ネットワーク接続業者)2を介して通信ネットワークに組み込んでいる。 [0029] In the electronic settlement system of this embodiment incorporates a communication network number of the member retail store 1 via the provider (network access provider) 2. そして加盟小売店1は、自社のホームページを通信ネットワークに開放しており、消費者3はこのホームページに自由にアクセスし、商品情報を入手できるようになっている。 And affiliated retail store 1 is open to the communication network of the company's website, consumer 3 is free to access to this website, which is to be able to get the product information. また、銀行・クレジットカード会社4も同様に、加盟小売店1にプロバイダー2を介して通信ネットワーク上で接続できるようになっている。 Similarly, banks and credit card companies 4, is adapted to be connected over a communication network through the provider 2 to the member retail store 1.

【0030】また消費者3および銀行・クレジットカード会社4は、互いにネットワーク上で接続できるようになっており、同様にそれぞれ代行決済機関5にネットワーク上で接続している。 [0030] The consumer 3 and the banks and credit card companies. 4, are connected on the network to become and, as well as each agency settlement engine 5 to be able to connect on the network to each other.

【0031】上記代行決済機関5は上述のように消費者3に、例えば毎月、5〜20程度、好ましくは約10個からなる複数の暗証番号を、郵送ないしファクシミリ等によって提供する。 [0031] The proxy settlement organization 5 consumers 3 as described above, for example every month, about 5 to 20, preferably a plurality of personal identification numbers of about 10, provided by mail or facsimile.

【0032】消費者3は加盟小売店1から商品を購入する際、この複数の暗証番号の中の適当な暗証番号を、順次あるいはランダムに用いて、ネットワーク上で加盟小売店1にアクセスし、商品購入をすればよい。 [0032] When the consumer 3 to purchase goods from the affiliated retail store 1, the appropriate personal identification number in the plurality of personal identification number, using the sequential or random, and accesses the member retail store 1 on the network, It should be a commodity purchase.

【0033】なお、上記銀行・クレジットカード会社としては、都市銀行や地方銀行、その他の銀行等の種々の金融機関のみならず、郵貯等の預金機関、銀行系および信販系クレジットカード会社が含まれる。 [0033] It should be noted that, as the banks and credit card companies, not only the variety of financial institutions such as city banks and regional banks, other banks, include depository institutions, such as Japan Post, Bank system and the consumer credit-based credit card company .

【0034】 [0034]

【発明の効果】この発明の電子決済システムによれば、 Effects of the Invention] According to the electronic settlement system of the present invention,
加盟小売店に対する銀行・クレジットカード会社の信用の問題、銀行・クレジットカード会社のネットワークの利用価値の問題を代行決済機関を介在させることによって回避し、加盟小売店が無理なく加入ことができる電子決済システムを提供可能となった。 Affiliated retail stores problem of credit of banks and credit card companies for, avoided by the interposition of the proxy settlement institutions of use value problem of the network of banks and credit card companies, electronic payment by the member retailers can join without difficulty It has become possible to provide a system.

【0035】またこの発明の電子決済システムによれば、代行決済機関から毎月のように提供される複数の暗証番号から、消費者が適宜選んで決済に使用することにより、ハッカーに簡単に解読されて悪用されるという危険性をほとんど解消することが可能となった。 Further, according to the electronic settlement system of the present invention, a plurality of personal identification number provided from the proxy settlement organization every month, by the consumer to use the payment appropriately selected, easily decrypted by hackers the risk of being exploited Te and has made it possible to almost eliminate.

【図面の簡単な説明】 BRIEF DESCRIPTION OF THE DRAWINGS

【図1】この発明の電子決済システムを示す概略図である。 1 is a schematic diagram showing an electronic settlement system of the present invention.

【図2】この発明の電子決済システムの別の例を示す概略図である。 2 is a schematic diagram showing another example of the electronic settlement system of the present invention.

【図3】この発明の電子決済システムのハード構成の例を示す概略図である。 Figure 3 is a schematic diagram showing an example of a hardware configuration of the electronic settlement system of the present invention.

【図4】従来の電子決済システムを示す概略図である。 4 is a schematic diagram showing a conventional electronic payment system.

【符号の説明】 DESCRIPTION OF SYMBOLS

1 加盟小売店 2 プロバイダー 3 消費者 4 銀行・クレジットカード会社 5 代行決済機関 1 affiliated retail store 2 provider 3 consumer 4 banks and credit card companies 5 behalf of the clearing house

Claims (3)

    【特許請求の範囲】 [The claims]
  1. 【請求項1】 消費者、業種を問わずに加入した加盟小売店および銀行・クレジットカード会社を結ぶ通信ネットワーク間に代行決済機関を介在させ、この代行決済機関が消費者に別途提供した複数の暗証番号を用いて、消費者が適宜の暗証番号で代行決済機関を通じて加盟小売店から商品を購入し、加盟小売店は代行決済機関に上記暗証番号による消費者の本人確認をするとともに、代行決済機関に売上請求し、代行決済機関は上記暗証番号による消費者の本人確認をするとともに、銀行・クレジットカード会社に売上請求し、銀行・クレジットカード会社は消費者に請求をして消費者から支払いを受け、銀行・クレジットカード会社は代行決済機関を通じて加盟小売店に代金支払するようにしたことを特徴とする電子決済システム。 [Claim 1] consumer, by interposing a proxy settlement authority between the communication network affiliated retail stores that have subscribed to regardless of the type of industry and joining the bank, credit card company, several of which this proxy settlement institution has provided separately to the consumer using a personal identification number, along with the consumer to purchase goods from the member retail stores through proxy settlement agencies in an appropriate personal identification number, the member retailers to the identification of the consumer by the personal identification number to the proxy settlement organization, the proxy settlement and sales billed to the institutions, payment along with the proxy settlement agencies to the identification of the consumer by the personal identification number, and sales charged to banks and credit card companies, the banks and credit card companies from the consumer to the claim to the consumer receiving, the banks and credit card companies electronic payment system which is characterized in that so as to payment to the member retail stores through proxy settlement institutions.
  2. 【請求項2】 消費者、加盟小売店および銀行・クレジットカード会社を結ぶ通信ネットワーク間に代行決済機関を介在させ、この代行決済機関が消費者に別途提供した複数の暗証番号を用いて、消費者が適宜の暗証番号で加盟小売店から商品を購入し、加盟小売店は代行決済機関に上記暗証番号による消費者の本人確認をするとともに、代行決済機関に売上請求し、代行決済機関は上記暗証番号による消費者の本人確認をするとともに、銀行・ 2. A consumer, by interposing a member retail stores and agency clearing house between the communication network connecting the banks and credit card companies, the agency clearing house by using a plurality of personal identification number that was provided separately to consumers, consumption who purchases a product from the affiliated retail stores in an appropriate personal identification number, along with the member retailers to the identification of the consumer by the personal identification number to the proxy settlement agencies, and sales billed to the agency clearing house, the proxy settlement institutions above as well as a consumer of personal identification by a personal identification number, banking and
    クレジットカード会社に売上請求し、銀行・クレジットカード会社は消費者に請求をして消費者から支払いを受け、銀行・クレジットカード会社は加盟小売店に代金支払するようにしたことを特徴とする電子決済システム。 And sales billed to the credit card company, bank, credit card company receives a payment from the consumer to a claim to consumers, banks and credit card companies is characterized in that so as to payment to the member retail stores electronic settlement system.
  3. 【請求項3】 通信ネットワークがコンピュータ通信のネットワークである請求項1に記載の電子決済システム。 3. The electronic settlement system of claim 1 communication network is a network of computer communications.
JP8858196A 1996-04-10 1996-04-10 Electronic payment system Pending JPH09282371A (en)

Priority Applications (1)

Application Number Priority Date Filing Date Title
JP8858196A JPH09282371A (en) 1996-04-10 1996-04-10 Electronic payment system

Applications Claiming Priority (1)

Application Number Priority Date Filing Date Title
JP8858196A JPH09282371A (en) 1996-04-10 1996-04-10 Electronic payment system

Publications (1)

Publication Number Publication Date
JPH09282371A true JPH09282371A (en) 1997-10-31

Family

ID=13946819

Family Applications (1)

Application Number Title Priority Date Filing Date
JP8858196A Pending JPH09282371A (en) 1996-04-10 1996-04-10 Electronic payment system

Country Status (1)

Country Link
JP (1) JPH09282371A (en)

Cited By (4)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
US7308424B2 (en) 2001-03-12 2007-12-11 Ricoh Company, Ltd. Electronic commerce system and electronic commerce method
KR100806570B1 (en) * 2000-05-22 2008-03-03 조용두 Payment Sever For Credit Cards Via Internet
JP2012022703A (en) * 1999-10-01 2012-02-02 Cardinalcommerce Corp Safe and efficient payment processing system
US9430769B2 (en) 1999-10-01 2016-08-30 Cardinalcommerce Corporation Secure and efficient payment processing system

Cited By (6)

* Cited by examiner, † Cited by third party
Publication number Priority date Publication date Assignee Title
JP2012022703A (en) * 1999-10-01 2012-02-02 Cardinalcommerce Corp Safe and efficient payment processing system
US8676694B2 (en) 1999-10-01 2014-03-18 Cardinalcommerce Corporation Secure and efficient payment processing system
US9430769B2 (en) 1999-10-01 2016-08-30 Cardinalcommerce Corporation Secure and efficient payment processing system
KR100806570B1 (en) * 2000-05-22 2008-03-03 조용두 Payment Sever For Credit Cards Via Internet
US7308424B2 (en) 2001-03-12 2007-12-11 Ricoh Company, Ltd. Electronic commerce system and electronic commerce method
US8190484B2 (en) 2001-03-12 2012-05-29 Ricoh Company, Ltd. Electronic commerce system and electronic commerce method

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