JPH11353382A - Electronic transaction method and its system - Google Patents
Electronic transaction method and its systemInfo
- Publication number
- JPH11353382A JPH11353382A JP16165498A JP16165498A JPH11353382A JP H11353382 A JPH11353382 A JP H11353382A JP 16165498 A JP16165498 A JP 16165498A JP 16165498 A JP16165498 A JP 16165498A JP H11353382 A JPH11353382 A JP H11353382A
- Authority
- JP
- Japan
- Prior art keywords
- payment
- data
- settlement
- buyer
- communication device
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
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- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
【０００１】[0001]
【発明の属する技術分野】本発明は、計算機システム及
びネットワークを用いて、商品の購入手続から代金の支
払い手続までの電子商取引を行うのに好適な方法及び該
方法を実施するシステムに関する。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method suitable for performing electronic commerce from a product purchase procedure to a payment procedure using a computer system and a network, and a system for implementing the method.
【０００２】[0002]
【従来の技術】近年、インターネット等の普及に伴い、
従来の物流に依存しない様々な形態の商取引が行われて
いる。その中に、計算機システム及びネットワークを利
用して電子決済を行う電子商取引システムがある。イン
ターネット上における電子決済方式は、先払い方式と後
払い方式と大別することができる。先払い方式の代表例
として、プリペイド方式があり、後払い方式の代表例と
して、クレジットカード（以下ＣＣ）を用いたＣＣ即時
決済方式及びＣＣ番号登録方式がある。2. Description of the Related Art In recent years, with the spread of the Internet and the like,
Various forms of commercial transactions that do not depend on conventional physical distribution are performed. Among them, there is an electronic commerce system that performs electronic payment using a computer system and a network. Electronic payment methods on the Internet can be broadly classified into a prepaid method and a postpaid method. A typical example of a prepaid system is a prepaid system, and a typical example of a postpaid system is a CC immediate settlement system using a credit card (hereinafter, CC) and a CC number registration system.
【０００３】プリペイド方式では、予めある金額を、例
えば売り手であるプリペイドカード発行者に支払ってお
き、その支払い済みの金額の範囲内で商品の購買を認め
る。このプリペイド方式を用いた電子決済を行う場合に
は、購買する場で、即時に決済することができるが、予
め支払った金額を使い残す可能性がある。このような欠
点が、ＣＣを用いた後払い方式によれば、無くなる。[0003] In the prepaid system, a certain amount of money is paid in advance to, for example, a prepaid card issuer who is a seller, and purchase of a product is permitted within the range of the paid amount. When performing electronic payment using this prepaid method, payment can be made immediately at the place of purchase, but there is a possibility that the amount paid in advance will be used up. Such a drawback is eliminated by the post-payment method using CC.
【０００４】後払い方式におけるＣＣ即時決済方式で
は、先に購買する商品群を決め、その商品群の合計金額
に対する決済及び該決済度の手数料決済をその場でＣＣ
番号により行い、従って、買い物毎に決算手数料の支払
いが必要となることから、金額の小さい決済に対して不
利である。ＣＣ番号登録方式では、商取引における買い
手が売り手に対し、予めＣＣ番号を登録しておき、買い
手が購買する商品群を決定し、発生した購買についての
各金額を課金データとして保存し、売り手が登録済みの
ＣＣ番号により、ある一定期間での各課金データを集計
して決済を行う。このＣＣ番号登録方式によれば、買い
物毎に決済手数料を取ることはないことから、前記した
ＣＣ即時決済方式の決済におけるような小さい金額の商
品について決済の不利の度を低減することができる。In the CC immediate settlement method in the post-payment method, a commodity group to be purchased is determined first, and settlement for the total amount of the commodity group and commission settlement of the settlement degree are performed on the spot.
It is disadvantageous for settlement with a small amount of money, since the settlement is performed by number and therefore a settlement fee must be paid for each purchase. In the CC number registration method, a buyer in a commercial transaction registers a CC number with a seller in advance, determines a group of products to be purchased by the buyer, saves each amount of purchased purchase as billing data, and registers the seller. Based on the completed CC number, each billing data for a certain period is totaled and settled. According to this CC number registration method, a settlement fee is not paid for each shopping, so that the disadvantage of settlement of a small amount of commodity as in the above-described CC immediate settlement method settlement can be reduced.
【０００５】[0005]
【発明が解決しようとする課題】しかしながら、前記し
たようなＣＣを用いた後払い方式のＣＣ即時決済方式及
びＣＣ番号登録方式のいずれにしても、買い手のＣＣ番
号は売り手に知られることから、ＣＣ番号が売り手に悪
用される虞れがある。そのため、前記した欠点を全て解
決できる電子商取引方法及び該方法を実施する電子商取
引システムが望まれていた。However, in any of the post-payment CC immediate settlement method using the CC and the CC number registration method as described above, since the buyer's CC number is known to the seller, the CC The number may be abused by the seller. Therefore, an electronic commerce method capable of solving all the above-mentioned disadvantages and an electronic commerce system implementing the method have been desired.
【０００６】[0006]
【課題を解決するための手段】本発明は、以上の点を解
決するために、次の構成を採用する。 〈構成１〉本発明に係る電子商取引方法は、通信ネット
ワークを介して相互に通信可能の買い手、売り手および
決済代行業者間で商品の購入手続および代金の支払い手
続を行う方法であって、売り手の元で買い手毎の複数の
課金データを買い手毎に管理し、かつ所定の期間毎に各
買い手についての複数の課金データを集計してなる決済
代行データ及び該決済代行データに関連する決済データ
を作成し、決済代行データを決済代行業者に送信すると
共に、決済データを、決済代行データに該当する買い手
に与えられた決算のための識別番号を買い手から決済代
行業者に送信することを促すための催促情報として、買
い手に送信すること、決済代行業者の元で、買い手から
送信された識別番号、決済データおよび売り手から送信
された決済代行データに基づいて、当該決算代行データ
についての受払いを決算することを特徴とする。The present invention adopts the following constitution in order to solve the above points. <Structure 1> An electronic commerce method according to the present invention is a method of performing a product purchase procedure and a payment procedure between a buyer, a seller, and a payment agent capable of communicating with each other via a communication network. Originally, a plurality of billing data for each buyer is managed for each buyer, and a plurality of billing data for each buyer are aggregated for each predetermined period to generate payment proxy data and payment data related to the payment proxy data. And sending the settlement agency data to the settlement agency, and prompting the buyer to send the settlement data from the buyer to the settlement agency for the settlement number given to the buyer corresponding to the settlement agency data. The information must be sent to the buyer, the identification number and payment data sent from the buyer and the payment agent data sent from the seller under the payment agent. Based on the data, characterized by closing the receipts and payments for the settlement agency data.
【０００７】〈作用１〉本発明に係る電子商取引方法で
は、決済代行業者は、売り手からの決済代行データと買
い手からの決算のための識別番号及び前記決済代行デー
タに関連する決済データとを受信した後、これらに基づ
いて買い手の購買した商品の受払いを決算することか
ら、買い手の識別番号が売り手に知られることはない。
また、決算は買い物毎ではなく、例えば１ヶ月という所
定期間毎に成される。従って、本発明に係る電子商取引
方法によれば、従来のプリペイド方式の決済におけるよ
うな金額の使い残しの可能性を無くすことができ、ま
た、従来のＣＣ即時決済方式の決済におけるような買い
物毎の決済手数料の支払いを行うことなく、同様な買い
物についての決算回数の低減により、決済手数料の総額
の低減を図ることができ、さらに、買い手の特有の識別
番号を売り手に教える必要がないことから、ＣＣ番号が
売り手に知られて、悪用される従来のような可能性を無
くすことができる。これにより、経済的且つ安全な電子
商取引方法を提供することができる。前記した催促情報
は、決済金額、買い手の情報等を含む決済データ、ある
いは、インターネットにおけるWorld Wide WebのＵＲＬ
を含む決済データとすることができる。<Operation 1> In the electronic commerce method according to the present invention, the settlement agent receives the settlement agent data from the seller, the identification number for settlement from the buyer, and the settlement data related to the settlement agent data. After that, since the settlement of payment of the goods purchased by the buyer is performed based on these, the buyer's identification number is not known to the seller.
Further, the settlement of accounts is made not for each shopping but for every predetermined period of one month, for example. Therefore, according to the electronic commerce method according to the present invention, it is possible to eliminate the possibility of the remaining amount of money as in the conventional prepaid payment method, and it is also possible to reduce the amount of each purchase as in the conventional CC immediate payment method payment. A reduction in the number of settlements for similar purchases without having to pay a settlement fee for the same transaction, thereby reducing the total settlement fee and eliminating the need to inform the seller of the buyer's unique identification number. , And the likelihood that the CC number is known to the seller and misused will be eliminated. Thereby, an economical and safe electronic commerce method can be provided. The reminder information may be payment data including a payment amount, buyer information, or a URL of the World Wide Web on the Internet.
And settlement data including
【０００８】〈構成２〉本発明に係る電子商取引システ
ムは、通信ネットワークを介して相互に接続可能の買い
手通信装置、売り手通信装置および決済代行通信装置を
用いて商品の購入手続および代金の支払い手続を行うシ
ステムであって、売り手通信装置は、買い手毎の複数の
課金データを買い手毎に管理し、かつ所定の期間毎に各
買い手についての複数の課金データを集計してなる決済
代行データ及び該決済代行データに関連する決済データ
を作成し、決済代行データを決済代行業者に送信すると
共に、決済データを、決済代行データに該当する買い手
に与えられた精算のための識別番号を買い手から決済代
行業者に送信することを促すための催促情報として買い
手通信装置に送信するための課金プログラムが格納され
る課金処理部を備え、買い手通信装置は、課金処理部か
らの催促情報を表示し、識別番号を入力させ且つ該識別
番号及び決済データを決済代行通信装置に送信するそれ
ぞれのプログラムが格納される送受信部を備え、決済代
行通信装置は、買い手から送信された識別番号、決済デ
ータおよび売り手から送信された決済代行データを受け
たとき、これらに基づいて、当該決算代行データについ
ての受払いを決算するための決済代行プログラムが格納
される決済代行部を備えることを特徴とする。<Configuration 2> An electronic commerce system according to the present invention uses a buyer communication device, a seller communication device, and a payment agent communication device which can be connected to each other via a communication network to purchase goods and pay payment. The seller communication device manages a plurality of billing data for each buyer for each buyer, and collects a plurality of billing data for each buyer for a predetermined period; Create payment data related to the payment agency data, send the payment agency data to the payment agency, and settle the payment data with the identification number for settlement given to the buyer corresponding to the payment agency data from the buyer. A billing processor for storing a billing program to be transmitted to the buyer communication device as reminder information for prompting transmission to the trader; The buyer's communication device includes a transmission / reception unit in which respective programs for displaying prompting information from the charging processing unit, inputting the identification number, and transmitting the identification number and the payment data to the payment agent communication device are stored, When the proxy communication device receives the identification number transmitted from the buyer, the payment data, and the payment proxy data transmitted from the seller, the payment proxy program for closing the payment for the payment proxy data based on these is based on these. It is characterized by comprising a settlement agent unit to be stored.
【０００９】〈作用２〉本発明に係る電子商取引システ
ムでは、売り手通信装置の課金処理部に格納された課金
プログラムは、買い手が識別番号を決済代行通信装置に
送信することを促すための催促情報としての決済データ
及び決済代行データを作成する。これらの決済データ及
び決済代行データは、互いに関連し、それぞれ、買い手
通信装置及び決済代行通信装置に送信される。買い手通
信装置は、決済データを受信すると、買い手通信装置の
送受信部に格納されたプログラムにより、当該買い手に
与えられた例えばＣＣ番号のような決算のための識別番
号を入力するための画面を表示する。この識別番号が入
力され、該識別番号及び決済データが決済代行通信装置
へ送信される。決済代行通信装置は、売り手通信装置か
らの決済代行データと買い手通信装置からの識別番号及
び決済データとを受信すると、決済代行部に格納された
決済代行プログラムは、決済代行データ、決済データ及
び識別番号に基づいて、買い手の商品購買についての受
払いを決算する。前記催促情報は、前記した構成１と同
様、決済金額、買い手の情報等を含む決済データ、ある
いは、インターネットにおけるWorld Wide WebのＵＲＬ
を含む決済データとすることができる。<Function 2> In the electronic commerce system according to the present invention, the billing program stored in the billing processing unit of the seller communication device includes a reminder information for prompting the buyer to transmit the identification number to the settlement agency communication device. To create payment data and payment agency data. The payment data and the payment agent data are related to each other and transmitted to the buyer communication device and the payment agent communication device, respectively. Upon receiving the payment data, the buyer communication device displays a screen for inputting an identification number for settlement such as a CC number given to the buyer by a program stored in the transmission / reception unit of the buyer communication device. I do. The identification number is input, and the identification number and the payment data are transmitted to the payment proxy communication device. When the payment agent communication device receives the payment agent data from the seller communication device and the identification number and the payment data from the buyer communication device, the payment agent program stored in the payment agent unit sets the payment agent data, the payment data, and the identification data. Based on the number, settle the payment for the buyer's product purchase. The reminder information may be payment data including a payment amount, buyer information, or the like, or a URL of the World Wide Web on the Internet, as in Configuration 1 described above.
And settlement data including
【００１０】このことから、買い手の識別番号は、買い
手通信装置から売り手通信装置へ送信されることはない
ことから、買い手の決算のための識別番号が売り手に知
られることはない。従って、本発明に係る電子商取引シ
ステムによれば、経済的且つ安全な本発明に係る電子商
取引方法を比較的容易に実施することができる電子商取
引システムを提供することができる。[0010] From this, since the buyer identification number is not transmitted from the buyer communication device to the seller communication device, the identification number for the settlement of the buyer is not known to the seller. Therefore, according to the electronic commerce system according to the present invention, it is possible to provide an electronic commerce system capable of relatively easily implementing the economical and secure electronic commerce method according to the present invention.
【００１１】[0011]
【発明の実施の形態】以下、本発明を図示の実施の形態
について詳細に説明する。 〈具体例１〉図１は、本発明に係る電子商取引方法を実
施するのに好適な電子商取引システムの具体例１を示
す。本発明に係る電子商取引システム１０は、商品の購
入手続及び代金の支払い手続を行うために、インターネ
ット１１を介して、相互に通信可能な、買い手に操作さ
れる買い手通信装置１２と、売り手に操作される売り手
通信装置１３と、決済代行業者に操作される決済代行通
信装置１４とを備える。DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention will be described below in detail with reference to the illustrated embodiments. <Embodiment 1> FIG. 1 shows Embodiment 1 of an electronic commerce system suitable for implementing the electronic commerce method according to the present invention. An electronic commerce system 10 according to the present invention includes a buyer communication device 12 that can be communicated with each other via the Internet 11 and is operated by a buyer, and an operation that is performed by a seller, in order to perform a product purchase procedure and a payment procedure. And a settlement agency communication device 14 operated by a settlement agency.
【００１２】買い手通信装置１２は、売り手通信装置１
３からの情報を受信し且つ必要な情報を決済代行通信装
置１４に送信するための送受信部１５と、商品を購買す
るための購買プログラムが格納された購買処理部１６を
備える。The buyer communication device 12 is the seller communication device 1
3 includes a transmitting / receiving unit 15 for receiving information from the third party 3 and transmitting necessary information to the settlement proxy communication device 14, and a purchase processing unit 16 storing a purchase program for purchasing commodities.
【００１３】売り手通信装置１３は、課金プログラムが
格納された課金処理部１７と、販売プログラムが格納さ
れた販売処理部１８と、決済プログラムが格納された決
済ソフト部１９と、送信プログラムが格納された送信部
２０と、決済代行依頼プログラムが格納された決済代行
依頼部２１とを備える。The seller communication device 13 stores a charging processing unit 17 storing a charging program, a sales processing unit 18 storing a sales program, a payment software unit 19 storing a payment program, and a transmission program. And a settlement agency requesting unit 21 in which a settlement agency request program is stored.
【００１４】決済代行通信装置１４は、決済代行受付プ
ログラムが格納された決済代行受付部２２と、決済代行
プログラムが格納された決済代行部２３とを備える。The settlement agent communication device 14 includes a settlement agent reception unit 22 in which a settlement agent reception program is stored, and a settlement agent unit 23 in which the settlement agent program is stored.
【００１５】買い手通信装置１２の購買処理部１６は、
商品を購入するために、売り手通信装置１３の課金処理
部１７と交信し、課金処理部１７に買い手の登録を要求
し、且つ、課金処理部１７から該買い手を識別する買い
手識別子を受け取る。また、購買処理部１６は、売り手
通信装置１３の販売処理部１８と交信し、商品を選択
し、商品の購入意志を示す。The purchase processing unit 16 of the buyer communication device 12
In order to purchase a product, it communicates with the charging processing unit 17 of the seller communication device 13, requests the charging processing unit 17 to register a buyer, and receives a buyer identifier for identifying the buyer from the charging processing unit 17. Further, the purchase processing unit 16 communicates with the sales processing unit 18 of the seller communication device 13, selects a product, and indicates a purchase intention of the product.
【００１６】販売処理部１８は、売り手が販売している
商品を管理し、購買処理部１６の要求に従って商品や商
品情報を提供し、買い手が商品の購入する意志を示した
時に課金データを作成し、作成した課金データを課金処
理部１７に渡す。The sales processing unit 18 manages the products sold by the seller, provides the products and product information according to the request of the purchase processing unit 16, and creates billing data when the buyer indicates the intention to purchase the products. Then, the created billing data is passed to the billing processing unit 17.
【００１７】課金処理部１７は、購買処理部１６からの
登録要求に従って買い手を登録し、買い手識別子を作成
して購買処理部１６に提供し、販売処理部１８からの課
金データを受信して管理し、例えば１ヶ月での複数の課
金データにより決済代行データ及び決済データを作成し
た後、それらをそれぞれ決済代行依頼部２１及び送信部
２０に送信する。また、課金処理部１７は、決済ソフト
部１９と結合して、決済ソフト部１９に格納された決済
プログラムを送信部２０に送信する。The billing processor 17 registers a buyer in accordance with a registration request from the purchase processor 16, creates a buyer identifier, provides the buyer identifier to the purchase processor 16, and receives and manages billing data from the sales processor 18. Then, for example, after the payment agency data and the payment data are created from a plurality of billing data for one month, the data is transmitted to the payment agency request unit 21 and the transmission unit 20, respectively. In addition, the charging processing unit 17 is coupled to the payment software unit 19 and transmits the payment program stored in the payment software unit 19 to the transmission unit 20.
【００１８】決済ソフト部１９は、課金処理部１７との
結合により、決済プログラムを送信部２０に渡す。The settlement software unit 19 transfers the settlement program to the transmission unit 20 by coupling with the billing processing unit 17.
【００１９】送信部２０は、課金処理部１７からの要求
に基づいて、受信した決済データ及び決済プログラム
を、買い手通信装置１２の送受信部１５に送信する。The transmitting unit 20 transmits the received payment data and the payment program to the transmitting / receiving unit 15 of the buyer communication device 12 based on the request from the charging processing unit 17.
【００２０】決済代行依頼部２１は、課金処理部１７か
らの決済代行データを受信し、決済代行要求を作成し、
該決済代行要求及び決済代行データを、決済代行通信装
置１４の決済代行受付部２２に送信する。The settlement agency request unit 21 receives the settlement agency data from the accounting unit 17, creates a settlement agency request,
The payment proxy request and the payment proxy data are transmitted to the payment proxy reception unit 22 of the payment proxy communication device 14.
【００２１】決済代行受付部２２は、決済代行依頼部２
１からの決済代行要求に従って、決済代行データを保存
する。The settlement agency accepting unit 22 is a settlement agency requesting unit 2
In accordance with the settlement agency request from No. 1, the settlement agency data is stored.
【００２２】送受信部１５は、例えば電子メールのよう
な受信プログラムが格納された記憶部分１５ａ及び送信
のための例えば決済プログラムのようなプログラムを格
納するための記憶部分１５ｂを有する。送受信部１５
は、決済データ及び決済プログラムを受信し、しかも、
決済プログラムを記憶部分１５ｂに格納し、該決済プロ
グラムを起動する。起動された決済プログラムの実効に
より、決済のための識別番号を入力するための画面が表
示され、また、決済要求が作成される。また、送受信部
１５は、受信した決済データ、入力された識別番号及び
作成した決済要求を決済代行部２３に送信する。The transmission / reception section 15 has a storage section 15a in which a reception program such as e-mail is stored, and a storage section 15b in which a program such as a payment program for transmission is stored. Transceiver 15
Receives payment data and payment programs, and
The payment program is stored in the storage unit 15b, and the payment program is started. By executing the activated payment program, a screen for inputting an identification number for payment is displayed, and a payment request is created. In addition, the transmission / reception unit 15 transmits the received payment data, the input identification number, and the generated payment request to the payment proxy unit 23.
【００２３】決済代行部２３は、送受信部１５からの決
済要求により、送受信部１５からの決済データ及び決済
代行受付部２２に保存された決済代行データを照合し、
照合されたデータが一致すると、送受信部１５からの認
識番号を用いて、買い手が購入した商品の決算処理を行
う。In response to the settlement request from the transmitting / receiving unit 15, the settlement acting unit 23 checks the settlement data from the transmitting / receiving unit 15 and the settlement acting data stored in the settlement acting receiving unit 22.
When the collated data match, the settlement processing of the product purchased by the buyer is performed using the identification number from the transmission / reception unit 15.
【００２４】課金データは、商品情報、代金及び買い手
識別子のような買い手の情報を含む。決済データは、決
済を識別する決済識別子、決済金額、所定の決済代行業
者を指示するための通信指定情報及び買い手の情報を含
む。決済代行データは、決済識別子、決済金額、買い手
の情報を含む。The billing data includes buyer information such as product information, price, and buyer identifier. The payment data includes a payment identifier for identifying the payment, a payment amount, communication designation information for instructing a predetermined payment agent, and buyer information. The payment agency data includes a payment identifier, a payment amount, and buyer information.
【００２５】以下、商品の購入から代金の支払いまでの
データの流れに沿って説明する。買い手は、購買処理部
１６の購買プログラムを用いて、売り手通信装置１３の
課金処理部１７と交信し、図１に示されているように、
当該買い手の登録を行い、且つ、課金処理部１７から、
当該買い手を識別するための例えばメールアドレスのよ
うな識別子を受け取る。その後、買い手は、購買プログ
ラムを用いて、売り手通信装置１３の販売処理部１８と
交信し、商品を選択し且つ購買する意志を示す。Hereinafter, description will be given along the flow of data from the purchase of a product to the payment of the price. The buyer communicates with the billing processing unit 17 of the seller communication device 13 using the purchase program of the purchase processing unit 16, and as shown in FIG.
Register the buyer, and from the billing processing unit 17,
An identifier such as a mail address for identifying the buyer is received. Thereafter, the buyer communicates with the sales processing unit 18 of the seller communication device 13 using the purchase program, and indicates the intention to select and purchase the product.
【００２６】買い手が商品の購買意志を示すと、販売処
理部１８は、その商品の購入に対する課金データを作成
して課金処理部１７に送信する。複数の商品を購入する
と、複数の課金データが課金処理部１７に送信される。When the buyer indicates his / her intention to purchase the product, the sales processing unit 18 creates charging data for the purchase of the product and transmits it to the charging processing unit 17. When a plurality of products are purchased, a plurality of billing data is transmitted to the billing processing unit 17.
【００２７】課金データを受信する課金処理部１７は、
例えば１ヶ月の単位で複数の課金データを集計し、決済
データを作成し且つ決済ソフト部１９との結合を行い、
決済データ及び決済ソフト部１９の決済プログラムを送
信部２０に送信し、また、決済代行データを作成し、決
済代行依頼部２１に送信する。The billing processing unit 17 that receives billing data includes:
For example, a plurality of billing data are totaled in units of one month, payment data is created, and the payment data is combined with the payment software unit 19,
The settlement data and the settlement program of the settlement software unit 19 are transmitted to the transmission unit 20, and the settlement agency data is created and transmitted to the settlement agency request unit 21.
【００２８】一方、送信部２０が決済データ及び決済プ
ログラムを受け取ると、この送信部２０に格納された例
えば電子メールのような送信プログラムは、決済データ
及び決済プログラムを、買い手通信装置１２の送受信部
１５に送信する。他方、決済代行依頼部２１は決済代行
データを受け取ると、この決済代行依頼部２１の決済代
行プログラムは、決済代行要求を作成し、該決済代行要
求及び決済代行データを、決済代行通信装置１４の決済
代行受付部２２に送信する。On the other hand, when the transmission unit 20 receives the settlement data and the settlement program, the transmission program such as an electronic mail stored in the transmission unit 20 transmits the settlement data and the settlement program to the transmission / reception unit of the buyer communication device 12. 15 to be sent. On the other hand, when the settlement agency request unit 21 receives the settlement agency data, the settlement agency program of the settlement agency request unit 21 creates a settlement agency request, and transmits the settlement agency request and the settlement agency data to the settlement agency communication device 14. It is transmitted to the settlement agency reception unit 22.
【００２９】決済代行受付部２２が決済代行要求及び決
済代行データを受け取ると、決済代行受付プログラム
は、該決済代行要求に従って、決済代行データを、その
決済代行受付部２２に保存する。When the settlement agency receiving unit 22 receives the settlement agency request and the settlement agency data, the settlement agency receiving program stores the settlement agency data in the settlement agency receiving unit 22 in accordance with the settlement agency request.
【００３０】買い手通信装置１２の送受信部１５が、そ
の記憶部分１５ａに格納された例えば電子メールのよう
な受信プログラムにより、決済データ及び決済プログラ
ムを受信すると、決済データは、買い手に該買い手が購
入した商品の決済のための識別番号を決済代行通信装置
１４に送信することを促すための催促情報として機能す
ることから、受信プログラムは、決済データ及び決済プ
ログラムの受信後、決済プログラムを記憶部分１５ｂに
格納させ、決済プログラムを起動する。When the transmission / reception unit 15 of the buyer communication device 12 receives the payment data and the payment program by a reception program such as an electronic mail stored in the storage unit 15a, the payment data is transmitted to the buyer by the buyer. Since the receiving program functions as prompting information for prompting the transmission of the identification number for the payment of the product to the payment proxy communication device 14, the receiving program stores the payment program in the storage unit 15b after receiving the payment data and the payment program. And start the payment program.
【００３１】起動された決済プログラムは、買い手に、
該買い手の決済のための識別番号である例えばＣＣ番号
を入力させて、この入力によりＣＣ番号を受け取った
後、決済データに基づいて、決済要求を作成し、その
後、決済データの決済代行通信装置１４との通信指定情
報に従って、該決済要求及び決済データとＣＣ番号と
を、決済代行通信装置１４の決済代行部２３に送信するThe activated settlement program informs the buyer that
The buyer inputs a CC number, for example, an identification number for payment, and after receiving the CC number by this input, creates a payment request based on the payment data. The settlement request and the settlement data and the CC number are transmitted to the settlement agency 23 of the settlement agency communication device 14 in accordance with the communication designation information with the settlement 14.
【００３２】決済代行部２３は、買い手通信装置１２か
らＣＣ番号、決済データ及び決済要求を受け取ると、こ
の決済代行部２３の決済代行プログラムは、決済要求に
従って、決済代行受付部２２に保存された決済代行デー
タを読み取って、決済データの中の決済識別子、決済金
額及び買い手の情報と決済代行データの中の決済識別
子、決済金額及び買い手の情報とをそれぞれ照合するこ
とにより、買い手に該当する決済代行データを選択し、
そのデータについて、ＣＣ番号を用いて、決済処理を行
う。When the settlement agent 23 receives the CC number, the settlement data and the settlement request from the buyer communication device 12, the settlement agent program of the settlement agent 23 is stored in the settlement agent acceptor 22 in accordance with the settlement request. By reading the payment agent data and checking the payment identifier, the payment amount, and the buyer information in the payment data with the payment identifier, the payment amount, and the buyer information in the payment agent data, the payment corresponding to the buyer is obtained. Select the proxy data,
The settlement processing is performed on the data using the CC number.
【００３３】これにより、買い手は、売り手から商品を
購入するとき、売り手と直接決算することなく、決済代
行業者と直接に決算要求を出すことから、買い手のＣＣ
番号は、決済代行業者のみに渡すことから、売り手に知
られることはない。Thus, when purchasing a product from a seller, the buyer makes a settlement request directly with the settlement agent without directly closing with the seller.
Since the number is passed only to the payment agent, it is not known to the seller.
【００３４】前記した具体例１では、買い手にＣＣ番号
を決済代行業者に送信することを促すための催促情報と
しての決済データと共に送信され且つ該決済データに基
づいてＣＣ番号を入力させる決済プログラムは、売り手
通信装置１３の決済ソフト部１９に格納され、決済毎に
買い手通信装置１２の送受信部１５に送信される。これ
に代えて、図２に示されているように、決済プログラム
を、決済時毎に送受信部１５に送信することなく、予め
買い手通信装置１２の送受信部１５に格納しておくこと
ができる。In the specific example 1 described above, the payment program which is transmitted together with the payment data as prompting information for urging the buyer to transmit the CC number to the payment agent and inputs the CC number based on the payment data is: Are stored in the settlement software unit 19 of the seller communication device 13 and transmitted to the transmission / reception unit 15 of the buyer communication device 12 for each settlement. Alternatively, as shown in FIG. 2, the payment program can be stored in the transmission / reception unit 15 of the buyer communication device 12 in advance without transmitting the payment program to the transmission / reception unit 15 each time payment is made.
【００３５】〈具体例２〉図２は、本発明に係る電子商
取引方法を実施するのに好適な電子商取引システムの具
体例２を示す。本発明に係る具体例２の電子商取引シス
テム２０は、決済プログラムが売り手通信装置１３に格
納されることなく、買い手通信装置１２の送受信部１５
の記憶部分１５ｂに格納されている点で、具体例１と異
なる。このシステム２０における課金データ、決済デー
タ及び決済代行データの各データの内容は、前記システ
ム１０におけるそれぞれと同様である。<Embodiment 2> FIG. 2 shows Embodiment 2 of an electronic commerce system suitable for implementing the electronic commerce method according to the present invention. The e-commerce system 20 according to the second embodiment of the present invention includes a transmitting / receiving unit 15 of the buyer communication device 12 without the payment program being stored in the seller communication device 13.
Is stored in the storage portion 15b of the first embodiment. The contents of each data of the billing data, the settlement data, and the settlement agency data in the system 20 are the same as those in the system 10.
【００３６】図２に示す例では、売り手通信装置１３に
決済ソフト部１９が設けられていないことから、課金処
理部１７は、決済データを作成した後、前記具体例１に
おけるような決済ソフト部１９との結合を行うことな
く、単に作成した決済データを送信部２０に送信する。In the example shown in FIG. 2, since the settlement software section 19 is not provided in the seller communication device 13, the billing processing section 17 creates the settlement data and then executes the settlement software section as in the first embodiment. The created payment data is transmitted to the transmission unit 20 without being combined with the payment data 19.
【００３７】また、買い手通信装置１２の送受信部１５
が催促情報としての決済データのみを受信する。送受信
部１５の記憶部分１５ａに格納された受信プログラム
は、記憶部分１５ｂに格納された決済プログラムを起動
する。起動された決済プログラムは、前記具体例１にお
けると同様に、ＣＣ番号を入力させ、決済要求を作成し
た後、ＣＣ番号、決済データ及び決済要求を決済代行通
信装置１４に送信する。The transmission / reception unit 15 of the buyer communication device 12
Receives only the settlement data as the reminder information. The receiving program stored in the storage unit 15a of the transmission / reception unit 15 activates the payment program stored in the storage unit 15b. The activated payment program causes the CC number to be input and creates a payment request, and then transmits the CC number, the payment data, and the payment request to the payment proxy communication device 14, as in the specific example 1.
【００３８】これにより、本発明に係る電子商取引シス
テム２０では、ＣＣ番号は売り手に知られることはな
い。しかも、決済プログラムは、買い手通信装置１２の
送受信部１５に予め格納されていることから、前記電子
商取引システム１０のような決済毎の決済プログラムの
送信を行う必要が無くなる。従って、送信量を低減する
ことができる。Thus, in the electronic commerce system 20 according to the present invention, the CC number is not known to the seller. Moreover, since the payment program is stored in the transmission / reception unit 15 of the buyer communication device 12 in advance, it is not necessary to transmit a payment program for each payment as in the electronic commerce system 10. Therefore, the transmission amount can be reduced.
【００３９】前記した具体例１及び具体例２では、決済
プログラムが、決済データに含まれた通信指定情報に従
って、買い手通信装置１２と所定の決済代行通信装置１
４との通信を行う。これに代えて、具体例３では、図３
に示されているように、例えばＷＷＷブラウザのような
購買プログラムが、決済代行業者を指定するためのイン
ターネット１１におけるWorld Wide WebのＵＲＬに従っ
て、買い手通信装置１２と決済代行通信装置１４との通
信を行う。In the specific examples 1 and 2 described above, the payment program executes the communication between the buyer communication device 12 and the predetermined payment agent communication device 1 in accordance with the communication designation information included in the payment data.
4 is communicated. Instead of this, in Example 3, FIG.
As shown in FIG. 2, a purchasing program such as a WWW browser communicates between the buyer communication device 12 and the payment agent communication device 14 according to the URL of the World Wide Web on the Internet 11 for designating the payment agent. Do.
【００４０】〈具体例３〉図３は、本発明に係る電子商
取引方法を実施するのに好適な電子商取引システムの具
体例３を示す。具体例３では、具体例１及び具体例２に
おける決済プログラムの機能を含む購買プログラムが、
図３に示されているように、買い手通信装置１２の送受
信部１５の記憶部分１５ｂに格納されている。この例え
ばＷＷＷブラウザのようなプログラムからなる購買プロ
グラムは、課金処理部１７と通信して、買い手の登録を
行い、課金処理部１７から買い手識別子を受け取り、ま
た、販売処理部１８と通信して、購入する商品の選択を
行う機能に加えて、決済のために決済代行通信装置１４
の決済代行部２３との通信を行う機能を持つ。<Embodiment 3> FIG. 3 shows Embodiment 3 of an electronic commerce system suitable for implementing the electronic commerce method according to the present invention. In the specific example 3, the purchase program including the function of the settlement program in the specific examples 1 and 2 is
As shown in FIG. 3, it is stored in the storage part 15b of the transmission / reception unit 15 of the buyer communication device 12. The purchase program including, for example, a program such as a WWW browser communicates with the billing processing unit 17, registers a buyer, receives a buyer identifier from the billing processing unit 17, communicates with the sales processing unit 18, In addition to the function of selecting a product to be purchased, the payment agent communication device 14
Has a function of communicating with the settlement agent unit 23 of.
【００４１】図３に示した例では、買い手が記憶部分１
５ｂに格納された購買プログラムによって記憶部分１５
ｂと販売処理部１８とを通信して商品を選択して買う意
志を表示することにより、販売処理部１８の販売プログ
ラムが課金データを作成する。この課金データは、前記
した具体例１及び具体例２におけると同様、商品情報、
代金、買い手の情報を含む。しかし、該課金データに基
づいて課金処理部１７で課金プログラムにより作成され
た決済データ及び決済代行データは、前記した具体例１
及び具体例２におけると異なる。決済データは、インタ
ーネット１１におけるWorld Wide Webの決済代行業者を
指定するＵＲＬを含む。決済代行データは、決済識別
子、決済金額、買い手の情報及び決済データに含まれる
前記したＵＲＬを含む。In the example shown in FIG. 3, the buyer
5b according to the purchase program stored in
b and the sales processing unit 18 communicate with each other to indicate the intention to select and buy a product, so that the sales program of the sales processing unit 18 creates billing data. This billing data includes the product information, the same as in the specific examples 1 and 2 described above.
Includes price and buyer information. However, the payment data and the payment agency data created by the charging program in the charging processing unit 17 based on the charging data are the same as those in the specific example 1 described above.
And in Example 2. The payment data includes a URL designating a payment agent of the World Wide Web on the Internet 11. The payment agency data includes a payment identifier, a payment amount, buyer information, and the URL included in the payment data.
【００４２】課金処理部１７からの催促情報としての決
済データは、買い手通信装置１２の送受信部１５に受信
され、決済代行データは、決済代行通信装置１４の決済
代行受付部２２に受信される。決済データを受信した送
受信部１５の記憶部分１５ａに格納された受信プログラ
ムにより、記憶部分１５ｂと記憶部分１５ｂとが通信さ
れ、記憶部分１５ｂに格納された購買プログラムが起動
される。決済代行データを受信した決済代行受付部２２
の決済代行受付プログラムにより、決済代行データ中の
決済識別子、決済金額及び買い手の情報がＵＲＬに関係
付けられて決済代行受付部２２に保存される。The settlement data as the reminder information from the accounting processing unit 17 is received by the transmission / reception unit 15 of the buyer communication device 12, and the settlement agency data is received by the settlement agency receiving unit 22 of the settlement agency communication device 14. The storage portion 15b and the storage portion 15b communicate with each other by the reception program stored in the storage portion 15a of the transmission / reception section 15 which has received the settlement data, and the purchase program stored in the storage portion 15b is activated. Payment agent receiving unit 22 that has received payment agent data
The payment identifier, the payment amount, and the buyer information in the payment proxy data are stored in the payment proxy receiving unit 22 in association with the URL.
【００４３】受信プログラムにより起動された購買プロ
グラムは、決済データ中のＵＲＬに一致するＵＲＬの決
済代行通信装置１４の決済代行部２３との通信を開始す
る。購買プログラムによりアクセスされたＵＲＬを有す
る決済代行通信装置１４の決済代行部２３は、決済代行
受付部２２から、買い手に該当する決済代行データ中の
決済識別子、決済金額及び買い手の情報を見付けた後、
送受信部１５の記憶部分１５ｂと通信し、購買プログラ
ムにより、買い手からＣＣ番号を取得し、該ＣＣ番号を
用いて、見付けた決済金額に基づいて、決済代行処理を
行う。The purchasing program started by the receiving program starts communication with the settlement agent unit 23 of the settlement agent communication device 14 of the URL corresponding to the URL in the settlement data. After the payment agent unit 23 of the payment agent communication device 14 having the URL accessed by the purchase program finds the payment identifier, the payment amount, and the buyer information in the payment agent data corresponding to the buyer from the payment agent reception unit 22. ,
The communication unit 15 communicates with the storage unit 15b of the transmission / reception unit 15, acquires a CC number from the buyer by the purchase program, and performs a payment agency process based on the found payment amount using the CC number.
【００４４】従って、本発明に係る具体例３では、買い
手のＣＣ番号は、直接に決済代行業者に渡されることか
ら、売り手に知られることはない。しかも、決済データ
の内容を、単にＵＲＬのみとすることから、送信量をさ
らに低減することができる。Therefore, in the embodiment 3 according to the present invention, since the buyer's CC number is passed directly to the settlement agent, it is not known to the seller. Moreover, since the content of the payment data is simply URL, the transmission amount can be further reduced.
【００４５】[0045]
【発明の効果】本発明に係る電子商取引方法では、決済
代行業者は、売り手からの決済代行データと及び買い手
からの前記決済代行データに関連する決済データと決算
のための識別番号を受信した後、これらに基づいて買い
手の購買した商品の受払いを決算することから、買い手
の識別番号が売り手に知られることはない。また、決算
は買い物毎ではなく、例えば１ヶ月という所定期間毎に
成される。In the e-commerce method according to the present invention, the settlement agent receives the settlement agent data from the seller, the settlement data related to the settlement agent data from the buyer, and the identification number for settlement. Since the settlement of payment of the goods purchased by the buyer is based on these, the buyer's identification number is not known to the seller. Further, the settlement of accounts is made not for each shopping but for every predetermined period of one month, for example.
【００４６】従って、本発明に係る電子商取引方法によ
れば、従来のプリペイド方式の決済におけるような金額
の使い残しの可能性を無くすことができ、また、従来の
ＣＣ即時決済方式の決済におけるような買い物毎の決済
手数料の支払いを行うことなく、同様な買い物について
の決算回数の低減により、決済手数料の総額の低減を図
ることができ、さらに、買い手の特有の識別番号を売り
手に教える必要がないことから、ＣＣ番号が売り手に知
られて、悪用される従来のような可能性を無くすことが
できる。これにより、経済的且つ安全な電子商取引方法
を提供することができる。Therefore, according to the electronic commerce method of the present invention, it is possible to eliminate the possibility of the remaining amount of money being used in the conventional prepaid payment method, and to realize the conventional CC immediate payment method. It is possible to reduce the total settlement fee by reducing the number of settlements for similar purchases without paying the settlement fee for each purchase, and it is necessary to inform the seller of the buyer's unique identification number. This eliminates the possibility of the CC number being known to the seller and being abused. Thereby, an economical and safe electronic commerce method can be provided.
【００４７】また、本発明に係る電子商取引システムで
は、売り手通信装置の課金処理部に格納された課金プロ
グラムは、買い手に識別番号を決済代行通信装置に送信
することを促すための催促情報としての決済データ及び
該決済データに関連する決済代行データを作成する。こ
れらの決済データ及び決済代行データは、それぞれ、買
い手通信装置及び決済代行通信装置に送信される。買い
手通信装置は、決済データを受信すると、買い手通信装
置の送受信部に格納されたプログラムにより、当該買い
手に与えられた例えばＣＣ番号のような決算のための識
別番号を入力するための画面を表示し、この識別番号が
入力され、該識別番号及び決済データを決済代行通信装
置へ送信される。決済代行通信装置の決済代行部は、売
り手通信装置からの決済代行データと買い手通信装置か
らの識別番号及び決済データとを受信すると、決済代行
部に格納された決済代行プログラムは、決済代行デー
タ、決済データ及び識別番号に基づいて、買い手の商品
購買についての受払いを決算する。Further, in the electronic commerce system according to the present invention, the billing program stored in the billing processing unit of the seller communication device includes a reminder information for urging the buyer to transmit the identification number to the settlement agency communication device. Create payment data and payment agency data related to the payment data. These settlement data and settlement agency data are transmitted to the buyer communication device and the settlement agency communication device, respectively. Upon receiving the payment data, the buyer communication device displays a screen for inputting an identification number for settlement such as a CC number given to the buyer by a program stored in the transmission / reception unit of the buyer communication device. Then, the identification number is input, and the identification number and the payment data are transmitted to the payment proxy communication device. When the payment agent unit of the payment agent communication device receives the payment agent data from the seller communication device and the identification number and the payment data from the buyer communication device, the payment agent program stored in the payment agent unit sets the payment agent data, Based on the settlement data and the identification number, the settlement of payment for the purchase of the product by the buyer is settled.
【００４８】このことから、買い手の識別番号は、買い
手通信装置から売り手通信装置へ送信されることはない
ことから、買い手の決算のための識別番号が売り手に知
られることはない。従って、本発明に係る電子商取引シ
ステムによれば、経済的且つ安全な本発明に係る電子商
取引方法を比較的容易に実施することができる電子商取
引システムを提供することができる。From this, since the buyer's identification number is not transmitted from the buyer communication device to the seller communication device, the seller's identification number for the settlement of the buyer is not known to the seller. Therefore, according to the electronic commerce system according to the present invention, it is possible to provide an electronic commerce system capable of relatively easily implementing the economical and secure electronic commerce method according to the present invention.
【図１】本発明に係る電子商取引方法を実施するのに好
適な電子商取引システムの具体例１を示す構成図であ
る。FIG. 1 is a configuration diagram showing a specific example 1 of an electronic commerce system suitable for implementing an electronic commerce method according to the present invention.
【図２】本発明に係る電子商取引方法を実施するのに好
適な電子商取引システムの具体例２を示す構成図であ
る。FIG. 2 is a configuration diagram showing a specific example 2 of an electronic commerce system suitable for implementing the electronic commerce method according to the present invention.
【図３】本発明に係る電子商取引方法を実施するのに好
適な電子商取引システムの具体例３を示す構成図であ
る。FIG. 3 is a configuration diagram showing a specific example 3 of an electronic commerce system suitable for carrying out the electronic commerce method according to the present invention.
１０、２０、３０ 電子商取引システム １１ インターネット １２ 買い手通信装置 １３ 売り手通信装置 １４ 決済代行通信装置 １５ 送受信部 １５ａ、１５ｂ 記憶部分 １６ 購買処理部 １７ 課金処理部 １８ 販売処理部 １９ 決済ソフト部 ２０ 送信部 ２１ 決済代行依頼部 ２２ 決済代行受付部 ２３ 決済代行部 10, 20, 30 Electronic commerce system 11 Internet 12 Buyer communication device 13 Seller communication device 14 Payment agent communication device 15 Transmission / reception unit 15a, 15b Storage unit 16 Purchase processing unit 17 Billing processing unit 18 Sales processing unit 19 Payment software unit 20 Transmission unit 21 Settlement Agency Request Unit 22 Settlement Agency Acceptance Unit 23 Settlement Agency Unit
Claims (2)
能の買い手、売り手および決済代行業者間で商品の購入
手続および代金の支払い手続を行う電子商取引方法であ
って、前記売り手の元で前記買い手毎の複数の課金デー
タを前記買い手毎に管理し、かつ所定の期間毎に各前記
買い手についての複数の課金データを集計してなる決済
代行データ及び該決済代行データに関連する決済データ
を作成し、前記決済代行データを前記決済代行業者に送
信すると共に、前記決済データを、前記決済代行データ
に該当する前記買い手に与えられた決算のための識別番
号を前記買い手から前記決済代行業者に送信することを
促すための催促情報として、前記買い手に送信するこ
と、前記決済代行業者の元で、前記買い手から送信され
た前記識別番号、前記決済データおよび前記売り手から
送信された前記決済代行データに基づいて、当該決算代
行データについての受払いを決算することを特徴とする
電子商取引方法。1. An electronic commerce method for performing a product purchase procedure and a payment procedure between a buyer, a seller, and a payment agent capable of communicating with each other via a communication network, wherein the buyer and the buyer are responsible for each buyer. Managing a plurality of billing data for each buyer, and creating payment proxy data and payment data related to the payment proxy data obtained by tabulating a plurality of billing data for each buyer for each predetermined period; Transmitting the settlement agency data to the settlement agency, and transmitting the settlement data from the buyer to the settlement agency, the identification number for the settlement of accounts given to the buyer corresponding to the settlement agency data. As prompting information for prompting the buyer, under the payment agent, the identification number transmitted from the buyer, An electronic commerce method, wherein settlement of payment for the settlement data is settled based on the settlement data and the settlement data transmitted from the seller.
能の買い手通信装置、売り手通信装置および決済代行通
信装置を用いて商品の購入手続および代金の支払い手続
を行う電子商取引システムであって、前記売り手通信装
置は、前記買い手毎の複数の課金データを前記買い手毎
に管理し、かつ所定の期間毎に各前記買い手についての
複数の課金データを集計してなる決済代行データ及び該
決済代行データに関連する決済データを作成し、該決済
代行データを前記決済代行業者に送信すると共に、前記
決済データを、前記決済代行データに該当する前記買い
手に与えられた決算のための識別番号を前記買い手から
前記決済代行業者に送信することを促すための催促情報
として前記買い手通信装置に送信するための課金プログ
ラムが格納される課金処理部を備え、前記買い手通信装
置は、前記課金処理部からの前記決済データを受け、前
記識別番号を入力するための画面を表示して入力させ、
前記決済データ及び前記識別番号を前記決済代行通信装
置へ送信するためのそれぞれのプログラムが格納される
送受信部を備え、前記決済代行通信装置は、前記買い手
から送信された前記識別番号、前記決済データおよび前
記売り手から送信された前記決済代行データを受けたと
き、これらに基づいて、当該決算代行データについての
受払いを決算するための決済代行プログラムが格納され
る決済代行部を備えることを特徴とする電子商取引シス
テム。2. An electronic commerce system for performing a product purchase procedure and a payment procedure using a buyer communication device, a seller communication device, and a payment agent communication device which can be connected to each other via a communication network. The communication device manages a plurality of billing data for each buyer for each buyer, and collects a plurality of billing data for each buyer for a predetermined period, and relates to the payment agency data and the payment agency data. Create payment data to send, the payment agency data to the payment agency, and the payment data, from the buyer the identification number for the settlement given to the buyer corresponding to the payment agency data from the buyer. A section in which a charging program for transmitting to the buyer communication device as reminder information for prompting transmission to a settlement agent is stored. Comprising a money processing unit, the buyer communication device receives the payment data from the charging processing unit, and displays and inputs a screen for inputting the identification number,
A transmission / reception unit in which respective programs for transmitting the payment data and the identification number to the payment proxy communication device are stored, wherein the payment proxy communication device transmits the identification number and the payment data transmitted from the buyer And a settlement agent unit for storing a settlement agent program for closing settlement of the settlement agent data based on the settlement agent data transmitted from the seller. Electronic commerce system.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP16165498A JPH11353382A (en) | 1998-06-10 | 1998-06-10 | Electronic transaction method and its system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP16165498A JPH11353382A (en) | 1998-06-10 | 1998-06-10 | Electronic transaction method and its system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| JPH11353382A true JPH11353382A (en) | 1999-12-24 |
Family
ID=15739301
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP16165498A Pending JPH11353382A (en) | 1998-06-10 | 1998-06-10 | Electronic transaction method and its system |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPH11353382A (en) |
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|---|---|---|---|---|
| KR20000054569A (en) * | 2000-06-12 | 2000-09-05 | 차기혁 | Total payment system |
| KR20000064163A (en) * | 2000-08-25 | 2000-11-06 | 안영상 | System and method for paying the price for a retail store |
| KR20010016073A (en) * | 2000-10-26 | 2001-03-05 | 신종훈 | Business model of buying and sales by internet buying agent site |
| WO2001059681A1 (en) * | 2000-02-14 | 2001-08-16 | Chaos Trade International Inc. | Method for providing an integrated trade support service through internet |
| JP2001297276A (en) * | 2000-04-14 | 2001-10-26 | Itochu Corp | Clearance method |
| JP2001306966A (en) * | 2000-04-19 | 2001-11-02 | Nikon Gijutsu Kobo:Kk | Electronic commerce method |
| KR20020008698A (en) * | 2000-07-25 | 2002-01-31 | 서석배 | Method and system for credit purchasing of electronic commerce on the internet |
| JP2002092529A (en) * | 2000-09-20 | 2002-03-29 | Omron Corp | Physical distribution settlement method, physical distribution settlement system and settlement device |
| JP2002109419A (en) * | 2000-10-03 | 2002-04-12 | Kensuke Yoshihiro | Means of settlement of electronic commerce on internet |
| JP2002169965A (en) * | 2000-12-01 | 2002-06-14 | Omron Corp | Method, system and device for trade settlement |
| JP2002245355A (en) * | 2001-02-15 | 2002-08-30 | Nippon Telegr & Teleph Corp <Ntt> | Charging proxy method, its implementing system, its processing program, and recording medium |
| JP2002279083A (en) * | 2001-03-21 | 2002-09-27 | Kaa Tec Kk | Procuration system of parking lot management |
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1998
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| JP2001297276A (en) * | 2000-04-14 | 2001-10-26 | Itochu Corp | Clearance method |
| JP2001306966A (en) * | 2000-04-19 | 2001-11-02 | Nikon Gijutsu Kobo:Kk | Electronic commerce method |
| KR20000054569A (en) * | 2000-06-12 | 2000-09-05 | 차기혁 | Total payment system |
| KR20020008698A (en) * | 2000-07-25 | 2002-01-31 | 서석배 | Method and system for credit purchasing of electronic commerce on the internet |
| KR20000064163A (en) * | 2000-08-25 | 2000-11-06 | 안영상 | System and method for paying the price for a retail store |
| JP2002092529A (en) * | 2000-09-20 | 2002-03-29 | Omron Corp | Physical distribution settlement method, physical distribution settlement system and settlement device |
| JP2002109419A (en) * | 2000-10-03 | 2002-04-12 | Kensuke Yoshihiro | Means of settlement of electronic commerce on internet |
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| JP2002169965A (en) * | 2000-12-01 | 2002-06-14 | Omron Corp | Method, system and device for trade settlement |
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| KR100469851B1 (en) * | 2002-01-16 | 2005-02-02 | 윤태국 | An agency settlement system |
| US10007939B2 (en) | 2002-03-20 | 2018-06-26 | Koninklijke Philips N.V. | Computer systems and a related method for enabling a prospective buyer to browse a vendor's website to purchase goods or services |
| JP2005521129A (en) * | 2002-03-20 | 2005-07-14 | コーニンクレッカ フィリップス エレクトロニクス エヌ ヴィ | Computer system and associated method enabling browsing of a seller's website to purchase goods or services by prospective buyers |
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