JPH10326310A - Method and system for purchasing commodity - Google Patents

Abstract

PROBLEM TO BE SOLVED: To lighten the load of operation on a shop by enabling 'petty' dealings, eliminating the need of a special reader, minimizing damage due to illegal use above par value, and enabling an anonymous purchase. SOLUTION: A user machine accepts designation for a desired commodity to be purchased. A bank server checks the specified commodity in a commodity a data base and sends a form for inputting a card number to the user machine. The user machine accepts the input of the card number. The bank server judges whether the commodity can be purchased with a store number a commodity number, and the card number and issues an authentication number when the purchase is possible. A shop server inquires of the bank server whether or not the authentication number is valid. When the authentication number is valid, the bank server sends authentication OK data back and subtracts the price of the commodity from the balance of the card corresponding to the card number when the commodity is not charged for. The shop server sends the commodity to the user machine when the bank server answers that the authentication number is valid.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

[0001] 1. Field of the Invention [0002] The present invention relates to a method and system for purchasing goods using a computer network.

[0002]

2. Description of the Related Art It is said that currency in the 21st century is on the Internet. In those days, wealthy people kept the "value" of gold and precious metals in safes. Since the Industrial Revolution, these "values" have been converted to numbers on the bank's internal books, and now the data in the bank's computer, or "bits"
Is "value". This bit data is about to become more free.

At present, a number of “electronic money” projects are in progress. Using a credit card,
There are digital cash represented by "e-cash" in the Netherlands, and prepaid cards such as IC cards and magnetic cards. These "electronic money" projects and online credit payments are being developed with the expectation that they will evolve into "large" rather than small transactions.

[0004]

In the credit card system, a small charge of several tens to several hundreds of yen is not profitable. In the credit card method, when purchasing a product by inputting a credit card number on the web, the shop must handle the credit card, and furthermore, the credit card company must perform a credit check. Each month, the bill must be made to a credit card company.

[0005] These operations are very burdensome for the shop. Shops can also abuse credit cards. To cope with small charges, it is necessary to reduce the burden on the shop. Digital cash requires a card reader and requires capital investment. In the prepaid card system, a dedicated card for reading a magnetic card is required. There is also a problem with anonymity. In a general billing system (for example, a credit card), a credit number is known to a shop, and the shop has a purchase history of which customer bought what. You don't have the anonymity you get when you buy money.

[0006] The problem to be solved by the present invention is that a "small" transaction can be performed without requiring a special reader.
An object of the present invention is to provide a method and a system for purchasing a product which can minimize damages caused by unauthorized use of the amount of money above the value of the card, minimize anonymity, and reduce the workload of the shop.

[0007]

Means for Solving the Problems In order to solve the above problems, in a system comprising a user machine, a shop server, and a bank server, (1) the user machine requests a catalog from the shop server. (2) The shop server sends a catalog form to the user machine. (3) The product purchase form is transmitted from the user machine to the bank server. (4) The bank server receives the purchase form from the user. (5) The bank server inquires of the database (DB) about the product using the store number and the product number as keywords. (6) The DB passes the retrieved product information (store number, product name, price, etc.) to the bank server. (7) The bank server attaches the product information to the card number input form and sends it to the user. The product information received from the DB is edited and transmitted to the user machine in the form of a card number input form. (8) The user machine sends the card number to the bank server. (9) The bank server queries the DB for the card number received from the user. (10) The DB searches for the card number and passes the card balance to the bank server. (11) Compare the card balance with the commodity price. If the card balance is not insufficient, proceed to (17). If the card balance is insufficient, proceed to (12). (12) The bank server sends a message of insufficient guard balance to the user machine. The user machine indicates that the card balance is insufficient and further inputs the number of the additional card. (13) Return the card number from the user machine to the bank server. (14) The bank server queries the DB for the added card number. (16) The DB notifies the bank server of the card balance. (17) The bank server sends the purchase transaction data (store number, product number, card number, authentication number) to the DB. (18) The DB generates a purchase transaction record based on the purchase transaction data received from the bank server. (19) The bank server transmits a purchase confirmation form to the user machine. (20) The user confirms the purchase confirmation form and sends it to the shop. (21) The shop server receives the purchase confirmation sent from the user, and requests the bank server to check whether the purchase is correct from the user through the CGI interface. (22) The bank server inquires of the BD about the correct authentication number from the authentication number for purchase by the user sent from the shop. (23) The DB searches the corresponding purchase transaction record from the authentication number passed from the bank server. (24) The DB transfers the product information purchased by the user from the retrieved transaction record to the bank server and debits the official amount from the card. (25) The bank server transmits information on the product purchased by the user to the shop. (26) The shop server transmits the purchased product to the user based on the user's purchased product information received from the bank server. (27) The user machine 1 receives the purchased product from the shop server 2. The product can be purchased.

[0008]

DESCRIPTION OF THE PREFERRED EMBODIMENTS FIG. 1 is a system configuration diagram of a product purchasing method according to the present invention. The prepaid card system of the present invention comprises a user machine 1, a shop server 2, a router 3, and a bit cash server 4. The user machine 1 is a machine held by a user who purchases a product on the Internet, and may be a personal computer or an Internet home appliance such as an Internet TV or a set-top box.

The user machine 1 comprises a central processing unit 101, a main memory 102, an input device 10 as shown in FIG.
4. It comprises an output device 105 and a signal bus 106.
The file device 103 exists when the user machine 1 is a personal computer, and may not exist in an Internet home appliance. In the user machine of the present invention, the WW is stored in the main memory.
All you need is a browser that can access W and you don't need another application for billing.

[0010] The shop server is a WWW server, and is a server of a shop that sells commodities. The internal configuration is the same as the device of FIG. The only difference is that the control program 110 in the main memory 102 is a WWW server program and a CGI program.

The bit cash server 4 is a part for charging a product, and includes a bank server 5, a bank server 6,
It comprises a hub 7, a development workstation 11, a database server 8, a database server 9, and a RAID disk 10. Bank servers and database servers are duplicated from the standpoint of fault tolerance.

The bank servers 5 and 6 form the center of the billing of the present system, and make inquiries on card numbers and the like. The configuration of the database servers 8 and 9 is as shown in FIG. The difference is the database server, which handles various records shown in FIG. The product record 401 has product information, and includes a product name, product photo information, a price, and a stock quantity.
The card record 402 includes a card number and a card balance. The purchase transaction record 403 includes a store number, a product number, a card number, and an authentication number.

FIG. 3 is a diagram showing a processing procedure of an embodiment of the product purchase system. First, in step S101, the user machine 1 makes a catalog request to the shop server. User machine 1 is a U with a catalog
Send RL (Uniformed Resource Locator) to the shop. In step S102, the shop server 2 sends a catalog form to the user machine 1. A product catalog form (html document) corresponding to the URL specified by the user is transmitted to the user machine 1.

In step S103, the user machine 1 sends a product purchase form to the bank server. Fill out the product catalog form sent from the shop server 2 and send it to the bank server. Step S104
In, the bank server receives a purchase form from the user. In step S105, the bank server inquires of a database (DB) using the shop number and the product number as keywords. In step S106, the DB passes the retrieved product information (store number, product name, price, etc.) to the bank server.

In step S107, the bank server attaches the merchandise information to the card number input form and sends it to the user. The product information received from the DB is edited and transmitted to the user in the form of a card number input form. In step S108, the user inputs the card number and sends it to the bank server. In step S109,
The bank server stores the card number received from the user in the DB
Contact In step S110, DB
Searches for the card number and passes the card balance to the bank server.

In step S111, the card balance is compared with the commodity price. If you are not short on card balance,
Proceed to step S117. If the card balance is insufficient, the process proceeds to step S112. In step S112, the bank server sends a message of insufficient guard balance to the user machine 1. The user machine 1 displays the card balance shortage, and prompts the user to input the number of the additional card. When the additional card number is input, in step S113, the user machine 1 returns the card number to the bank server.

In step S114, the bank server inquires of the DB about the added card number. In step S116, the DB notifies the bank server of the card balance. In step S117, the bank server
The purchase transaction data (store number, product number, card number, authentication number) is sent to the DB. In step S118, the DB generates a purchase transaction record based on the purchase transaction data received from the bank server. In step S119, the bank server transmits a purchase confirmation form to the user.

In step S120, the user machine 1 confirms the purchase confirmation form and sends it to the shop. In step S121, the shop server 2 receives the purchase confirmation sent from the user machine 1, and requests the bank server to check whether the purchase from the user is correct by the CGI interface. In step S122, the bank server
From the authentication number for purchase by the user sent from the shop, the BD is inquired of the correct authentication number.

In step S123, the DB searches for a corresponding purchase transaction record from the authentication number passed from the bank server. In step S124,
The DB transfers the information on the product purchased by the user from the retrieved transaction record to the bank server and debits the official amount from the card.

In step S125, the bank server transmits information on the product purchased by the user to the shop. In step S126, the shop server transmits the purchased product to the user based on the user's purchased product information received from the bank server. In step S127, the user machine 1 receives the purchased product from the shop server 2.

In order to simplify the operation,
S113, S114, and S116 may be omitted. In this case, in step S112, "insufficient card balance"
And the product purchase processing ends. And
To prepare two cards by "transfer processing of balance" not described in this specification, to transfer the balance of the first card to the balance of the second card, and to solve the shortage of the card balance Is required. In step S125,
Instead of simply downloading a product, you may call a CGI program desired by the user. When the product is an article, a message of “accepted the purchase of the product” is transmitted instead of the product download. The goods will be sent at a later date.

The product that can be purchased by the above processing is one file (image, sound, HTML, etc.). Each time a user purchases one file, the user needs to input a card number (password) into the user machine. On the other hand, there are cases where it is necessary to first input a password and freely browse (download) a certain directory or below for a certain period of time.
FIG. 5 shows a processing procedure of the second embodiment. When the processing contents are the same as those in FIG. 3, the same step numbers are used.

First, in step S101, the user machine 1 requests the shop server 2 for a product catalog. That is, the user machine 1 sends a URL (Uniform Resource Code) indicating the location of the product catalog.
cator) to the shop server 2.

In step S102, the shop server 2 sends a catalog form to the user machine 1. That is, a product catalog form (HTML document) corresponding to the URL specified by the user is transmitted to the user machine 1. The product catalog form describes information such as a store number and a product number of the catalog requested by the user machine 1.

In step S103, when the user inputs to the user machine 1 to select a product in the catalog, the user machine 1 transmits a product purchase form to the bank server 5. That is, the store number and the product number of the product are described in the product purchase form, transmitted to the bank server,
The bank CGI1 program (card number input form transmission program) in the bank server 5 is started.

In step S104, the bank CGI1 program receives the purchase form from the user,
The product is referred to B8. In step S105, D
B8 queries the database (DB) for products using the store number and product number as keywords. Step S10
In step 6, the DB 8 passes the retrieved product information (store number, product name, price, etc.) to the bank server. Step S107
, The bank CGI1 program attaches the product information to the card number input form and sends it to the user machine 1. That is, the product information received from the DB 8 is edited and transmitted to the user machine 1 in the form of a card number input form.

In step S108, the user machine 1 requests the user to input a card number, and when the card number is input, transmits a card number input form to the bank server 5, and executes the bank CGI2 program in the bank server 5. (Authentication number issuance program) is started. Step S
At 109, the bank CGI2 program queries the DB8 for the card number received from the user machine 1.
In step S109-2, the bank CGI2 program queries the DB 8 for product information. Step S109-
In 3, the DB 8 transmits the product information to the bank server 5.

In step S110, the DB 8 searches for a card number and stores the card balance in the bank server 5.
Pass to. The Bank CGI2 program compares the card balance with the product price. If the card balance is insufficient, step S1
Proceed to 12. In step S112, the bank CGI2 program sends a message of insufficient guard balance to the user machine 1. In step S2112, the user machine 1 displays the shortage of the card balance to the user, and prompts the user to carry out the card balance transfer process. In step S117, the bank CGI2 program transmits the purchase transaction data (store number, product number, card number, authentication number) to DB8. In step S118, DB8 stores the bank
A purchase transaction record 403 is generated based on the purchase transaction data received from the server 5.

In step S119, the bank CGI2 program sends a purchase confirmation form to the user machine 1
Send to This form includes a store number, product number, product name, product photo information, card balance, and shopping protection such as "You can re-enter for as many times as you want for one day, 0 hours and 0 minutes." Information and authentication number are described.

In step S2120, the user machine 1 displays a purchase confirmation screen, and if the user confirms OK, transmits a purchase confirmation form to the shop server 2 and stores the shop CGI2 program (product) in the shop server 2. (Transmission means). In step S2121, the shop server 2 receives the purchase confirmation sent from the user machine 1, and requests the bank server 5 to check whether the purchase is correct from the user. Certification program)
Start

In step S122, the bank server 5 determines whether the authentication number for the user to purchase the product sent from the shop server 2 is a correct authentication number.
Ask D8. In step S123, the DB
8 retrieves the corresponding purchase transaction record 403 from the authentication number transmitted from the bank server 5. In step S124, the DB transfers the product information purchased by the user from the retrieved transaction record 403 to the bank server 5 and debits the product amount from the balance of the card corresponding to the card number. At this time, the user IP address is checked to prevent spoofing. Also, the product type is used to check for incorrect product registration. The product type means a distinction between the first, second, and third embodiments. Also, the store number is checked to prevent the store number from being falsified.

In step S2125, the bank server 5 transmits the purchased product information of the product purchased by the user to the shop server 2. The purchased merchandise information includes a transaction number, a price, a free flag, a balance, shopping protection, and a merchandise path. In step S2126, the shop server 2 transmits the top directory name (index page) storing the purchased product group to the user machine 1 based on the user's purchased product information received from the bank server 5. Step S212
7, the screen of the user machine 1 shows the shop
The contents of the top directory sent by the server 2 are displayed. Next, FIG. 6 shows a processing procedure for moving within the paid page (below a certain directory).

First, when the URL in the pay page is designated, in step S2130, the user machine 1
The URL is transmitted to the shop server 2, and the shop CGI2 program in the shopping server 2 is started. Step S
Steps 2121, S122, S124, and S2125 are the same as those in FIG. However, in step S122, for example, when the admission time is one day, the input of the card number is requested one hour later. This is a process for preventing the user from giving the authentication number to a third party.

In step S2135, the shop server 2 transmits the target pay page to the user machine 1. In step S2136, the user machine displays the pay page on the screen. Next, as a third embodiment, a user searches a database of newspaper articles or the like by inputting a keyword (performed by executing a predetermined program), displays a list of headlines, and displays a list of articles selected by the user. Consider a product purchase mode in which the contents are displayed (this is also performed by executing a predetermined program). You don't pay for search, but only when you view the content of the article. FIG. 7 shows the procedure of this processing.

Steps S101 to S119 are the same as those in FIG. In step S4120, the user machine 1 displays a purchase confirmation screen, and if the user responds OK and confirmation, transmits a purchase confirmation form to the shop server 2, and the shopping server 2
Start the CGI4 program in the shop. Step S4
In 121, the shop CGI4 program is a bank CG
Start the I3 program. The bank CGI3 program returns the path (PATH) of the search condition input form. In this case, no billing is performed.

In step S 4125, bank server 5 transmits a search condition input form to shop server 2. In step S4126, the shop server 2 receives the search condition input form and displays it on the screen of the user machine 1. In step S5120, the user machine 1 receives the search condition from the user, transmits a search condition input form to the shop server 2, and activates the shop CGI4 search program in the shop server 2.

In step S5121, the shop CG
The I4 search program executes the article search CGI program and obtains search results. In step S5126, the shop CGI4 search program transmits the search result list to the user machine 1. In step S6120, the user machine 1 transmits the article number selected by the user to the shop server 2, and activates the shop CGI4 confirmation program in the shop server 2.

In step S6121, the shop CG
The I4 confirmation program executes the bank CGI2 program in the bank server 5. The bank CGI2 program issues a detailed approval number and transmits purchase transaction data (store number, product number, card number, detailed approval number) to DB8. The DB 8 generates a purchase transaction record 403 based on the purchase transaction data received from the bank server 5.

In step S6125, control returns to shop server 2. In step S6126, the shop CGI4 confirmation program transmits a billing confirmation form to the user machine 1. In step S7120,
When receiving the OK from the user, the user machine 1 starts the shop CGI4 billing program in the shop server. In step S7121, the shop CGI4 billing program executes the article content display CGI program.

In step S7122, the shop CG
The I4 billing program activates the bank CGI3 program. The bank CGI3 program performs a charging process (subtracting charges from the balance of the card). In step S7125, control returns to the shop server. Step S71
At 26, the article content is transmitted to the user machine. Steps S6120 to S7126 are repeated until there are no more articles to be displayed. In this embodiment, a CGI program for searching articles (article search CGI) is executed,
In addition, a CGI program (display CGI) for displaying the contents of the article is executed and billing is performed.
By changing GI and display CGI, it can be applied to various billing forms.

[0041]

As described above, in the case of credit, a request from a store is required. However, in the password-based prepaid card system of the present system, payment is made to the store even if the store does not charge.

In this system, the bank server stores the store number,
It is provided with an authentication number issuing means for judging whether or not the product is purchased from the product number and the card number inputted from the user machine, and issuing an authentication number when possible. Is provided, and if an OK is returned, the merchandise transmission means for transmitting the merchandise to the user machine is provided, so that the shop does not know the card number, and anonymity is realized. This also reduces the load on the shop server.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram of a product purchasing method of the present invention.

FIG. 2 is a configuration diagram of a user machine.

FIG. 3 is an example of a product purchase processing procedure of the present invention.

FIG. 4 is an explanatory diagram of a record used in the present invention.

FIG. 5 is an example of a product purchase processing procedure according to the present invention.

FIG. 6 is an example of a processing procedure for moving within a pay page for product purchase according to the present invention.

FIG. 7 is an example of a processing procedure of a billing process for merchandise purchase of the present invention.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 User machine 2 Shop server 3 Router 4 Bit cache server 5 Bank server 6 Bank server 7 Hub 8 Database server 9 Database server 10 RAID DISK 11 Development workstation 101 Central processing unit 102 Main memory 103 File unit 104 Input unit 105 Output unit 106 Signal Bus 110 Control Program 401 Product Record 402 Card Record 403 Purchase Transaction Record

Claims (6)

[Claims] 1. A product purchase system comprising a user machine, a shop server, and a bank server, wherein the user machine includes a product specification means for specifying a product desired to be purchased, and a card number input means for inputting a card number. The bank server checks the product information of the product specified in the product database, and transmits a form for inputting the card number to a user machine, a card number input form transmitting unit, a store number, a product number, and It is determined whether or not the product can be purchased from the card number, and if it is possible, an authentication number issuing means for issuing an authentication number, and if the authentication number inquired from the shop server is valid, return authentication OK and charge. A purchase authentication unit that performs charging when the bank server is not installed, Inquire whether the authentication number is valid, when the OK is returned,
A product purchase system comprising: a product transmission unit configured to transmit the product to a user machine. 2. A product purchasing method comprising a user machine, a shop server, and a bank server, wherein (1) the user machine receives designation of a product desired to be purchased; (2)
The bank server checks the specified product in a product database, (3) the bank server sends a form for inputting a card number to the user machine, (4) the user machine has the card number (5) The bank server determines whether or not a product is purchased from a store number, a product number and the card number, and issues an authentication number when possible, (6) the shop server Inquires the bank server whether the authentication number is valid. (7) The bank server returns an authentication OK if the authentication number queried from the shop server is valid, and the card if no charge is made. Subtract the price of the product from the balance of the card corresponding to the number, (8) the shop server, if the authentication number is valid from the bank server That the case where there is a response, purchase method characterized by comprising the steps of, transmitting the item to the user machine. 3. A computer network system comprising a user machine, a shop server, and a bank server. (1) A catalog request is issued from the user machine to the shop server. (2) The shop server sends a catalog form to the user machine. (3) The user machine sends a product purchase form to the bank server. (4) The bank server receives a purchase form from the user. (5) The bank server inquires of a database (DB) using the shop number and the article number as keywords. (6) The DB transmits the retrieved product information (store number, product name, price, etc.) to the bank server. (7) The bank server attaches the product information to the card number input form and sends it to the user machine. (8) The card number is transmitted from the user machine to the bank server. (9) The bank server inquires of the DB about the card number received from the user machine. (10) The DB searches for a card number and passes the card balance to the bank server. (11) Compare the card balance with the product price.If the card balance is not insufficient, enter (17) .If the card balance is insufficient, enter (12).
Proceed to. (12) The bank server sends a message of insufficient guard balance to the user machine. The user machine indicates that the card balance is insufficient and further inputs the number of the additional card. (13) Return the card number from the user machine to the bank server. (14) The bank server stores the added card number in the DB.
Contact (16) The DB notifies the bank server of the card balance. (17) The bank server transmits purchase transaction data (store number, product number, card number, authentication number) to the D
Send to B. (18) The DB generates a purchase transaction record based on the purchase transaction data received from the bank server. (19) The bank server transmits a purchase confirmation form to the user machine. (20) The user machine confirms the purchase confirmation form and sends it to the shop server. (21) The shop server receives the purchase confirmation sent from the user machine, and requests the bank server to check whether the purchase is correct from the user machine via the CGI interface. (22) The bank server inquires of the DB whether the authentication number sent from the shop server is valid. (23) The DB searches for a corresponding purchase transaction record from the authentication number passed from the bank server. (24) The DB transfers product information to be purchased by the user from the retrieved transaction record to the bank server and debits the official amount from the card. (25) The bank server transmits information on the product purchased by the user to the shop. (26) The shop server transmits the purchased product to the user machine based on the user's purchased product information received from the bank server. A product purchasing method characterized by the following. 4. A computer used in a product purchase system including a user machine, a shop server, and a bank server, wherein the user machine includes a product specification procedure for specifying a product desired to be purchased and a card number input for inputting a card number. Procedure, the bank server checks the product information of the product specified in the product database, a card number input form transmission procedure of transmitting a form for inputting the card number to a user machine, a store number, a product number, and Determine whether the product can be purchased from the card number, and issue an authentication number if possible, and if the authentication number queried from the shop server is valid, return authentication OK and charge If not, a purchase authentication procedure for charging is provided. Inquire whether the authentication number is valid to Nkusaba, when the OK is returned,
A computer-readable recording medium on which a program for causing a user machine to execute a product transmission procedure for transmitting the product is recorded. 5. A computer used in a product purchasing method comprising a user machine, a shop server, and a bank server, wherein (1) the user machine receives a designation of a product to be purchased, and (2) the bank server (3) the bank server transmits a form for inputting a card number to the user machine, (4)
The user machine accepts the input of the card number, (5) the bank server determines whether or not the product is purchased from the store number, the product number and the card number, and issues an authentication number when possible. Procedure, (6) the shop server inquires of the bank server whether the authentication number is valid, (7) the bank server, if the authentication number inquired from the shop server is valid, authentication OK Return the price of the product from the balance of the card corresponding to the card number if not charged, (8) the shop server returns a response from the bank server that the authentication number is valid In some cases, a computer-readable recording medium recording a program for executing a procedure of transmitting the product to the user machine. 6. A method for: (1) requesting a catalog from the user machine to the shop server to a computer used in a computer network system including a user machine, a shop server, and a bank server;
(2) the shop server sends a catalog form to the user machine, (3) a product purchase form sent from the user machine to the bank server,
(4) The bank server receives a purchase form from a user. (5) The bank server stores a product database (hereinafter referred to as D) using the store number and the product number as keywords.
B), the DB sends the retrieved product information (store number, product name, price, etc.) to the bank server, and (7) the bank server enters the product information in the card number input form. (8) transmitting the card number from the user machine to the bank server, (9) transmitting the card number from the user machine to the DB, and querying the DB for the card number received from the user machine. (10) The DB searches for the card number and passes the card balance to the bank server. (11) Compares the card balance with the product price. If there is a shortage, proceed to (12), (12) the bank server sends a guard balance shortage message to the user machine, the user machine displays a card balance shortage, further, To enter the number of the pressurizing card, (13) the procedure to return the card number from the user machine to the bank server (14) steps the bank server querying the added card number to the DB, (1
6) The DB notifies the bank server of the card balance, (17) the bank server sends purchase transaction data (store number, product number, card number, authentication number) to the DB, (18) the DB Is based on the purchase transaction data received from the bank server,
(19) The bank server sends a purchase confirmation form to the user machine, (20) the user machine confirms the purchase confirmation form and sends it to the shop. (21) The shop server receives the purchase confirmation sent from the user machine, and requests the bank server to check whether the purchase is correct from the user machine to the bank server by the CGI interface. (22) The bank server The server inquires of the DB whether the authentication number sent from the shop server is valid, (23) the DB searches the corresponding purchase transaction record from the authentication number passed from the bank server, (24) ) The DB stores the product information purchased by the user from the retrieved transaction record. (25) The bank server transmits information of the product purchased by the user to the shop, (26) The shop server transmits the user's information received from the bank server to the shop server. And transmitting a purchased product to the user machine from the purchased product information.