WO2002003270A1

WO2002003270A1 - Commerce method and device, system, and recorded medium

Info

Publication number: WO2002003270A1
Application number: PCT/JP2000/004446
Authority: WO
Inventors: Michirou Sekiya; Mitsuhiro Yokota
Original assignee: Aai Inc.
Priority date: 2000-07-04
Filing date: 2000-07-04
Publication date: 2002-01-10
Also published as: AU2000255730A1

Abstract

It is possible to do commerce simply between an on-line shop and a customer in one of multiple languages. When a customer makes an access to a shop through a buyer terminal and an electronic shop service institution, a language selection screen (201) is first displayed in multiple languages on the buyer terminal. When the customer selects a country or a district, shop screens (221) after the selection are displayed in the corresponding language or some languages including the corresponding language. A server for translation is installed in the electronic shop service institution to translate the contents of the screen in real time as necessary. When the customer, pays for a purchase in the currency optionally selected by the customer the money is transferred to the account of the owner of the shop in the currency specified by the owner through, for example, a credit card company, the electronic shop service institution, and, if necessary, a currency exchange institution.

Description

Commerce method and apparatus, system, and recording medium

Technical field

According to the present invention, an electronic store is opened on a server computer, and a network

Method and Apparatus and System for Trading Various Products through

In particular, when purchasing a product, etc. using a buyer's terminal such as a personal computer, information on commercial transactions such as product information in the language desired by the buyer is presented to the buyer's terminal (display or pronunciation). Accordingly, the present invention relates to a commercial transaction method capable of easily conducting a commercial transaction between an electronic store and a purchaser who use different languages, and an apparatus and a system for performing the method.

Background art

With the recent widespread use of the Internet, a method of trading various products through electronic information exchange through the Internet has been realized. A typical method is that proposed by the US “Open Market” in USP 57'2244424 (Japanese application; Japanese Patent Application Laid-Open No. 10-3'124333). is there.

However, in the commerce methods implemented in the past, including the e-commerce method proposed by the U.S. Open Market Company, e-stores are used to transmit product information, etc. It has a limited language of one or two languages.

For this reason, for example, even if a Japanese who usually speaks Japanese tries to purchase a product in an electronic store that is transmitted in Spanish, the product information itself However, there is a problem that the purchase cannot be deciphered and the purchase must be abandoned. This means that, from the standpoint of the electronic store, the purchasers of the merchandise in their own store are limited to those who use the same language.

As a solution to such a problem, it is conceivable to incorporate a translation program in multiple languages into a terminal such as a personal convenience store used by the purchaser. However, as the number of translation programs increases, the economic burden on ordinary buyers increases, and at most only two or more translation programs are incorporated, and there are only two or more electronic stores where products can be purchased. Includes the problem of being limited to the sphere.

The present invention has been made to solve the problems of the conventional method, and has as its object to provide a large number of electronic stores and purchasers who use different languages without imposing an economic burden on the purchaser. It is an object of the present invention to provide a commercial transaction method capable of easily conducting a commercial transaction between the system and a device and a system for performing the method. Disclosure of the invention

The commercial transaction method according to the present invention is a method for establishing one or more electronic stores over a commercial transaction computer and electronically conducting a commercial transaction with a buyer terminal through a network. The first step that allows the buyer to select the desired language to use for commerce from two or more languages upon access from the buyer to the buyer, and a business transaction that includes product information in the selected language And a second step of presenting information on the buyer terminal at the access source.

Further, a first step for allowing a buyer to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal, and the selected language as a representative language. Product information in multiple languages And a second step of presenting information on commercial transactions to the buyer terminal of the access source.

In addition, when the electronic terminal is accessed from the buyer terminal, a first step for allowing the purchaser to select a desired language to be used for commercial transactions from two or more languages, and merchandise information in the selected language. The second step of presenting the information on the commercial transaction including the information to the buyer terminal of the accessing source, the third step of accepting a purchase order from the buyer terminal for any of the products indicated by the presented product information, and the accepted purchase The fourth step of accepting the type of payment currency for the order, and the fifth step of calculating the amount paid by the buyer in the accepted type of payment currency and presenting the calculated amount to the buyer terminal of the access source. Features.

A first step of allowing a purchaser to select a desired language to be used for business transactions from two or more languages when accessing the electronic store; and a plurality of languages having the selected language as a representative language. A second step of presenting information on the commercial transaction including the product information to the buyer terminal of the access source; a third step of receiving a purchase order from the buyer terminal for any of the products indicated by the presented product information; The fourth step of accepting the type of payment currency for the purchase order and the fifth step of calculating the amount paid by the buyer in the accepted type of payment currency and presenting it to the buyer terminal of the access source It is characterized by the following.

In addition, when the electronic terminal is accessed from the buyer terminal, a first step for allowing the purchaser to select a desired language to be used for commercial transactions from two or more languages, and merchandise information in the selected language. The second step of presenting the information on the commercial transaction including the information to the buyer terminal of the accessing source, the third step of accepting a purchase order from the buyer terminal for any of the products indicated by the presented product information, and the accepted purchase Accepts payment currency type for order The fourth step is to calculate the buyer's payment in the accepted payment currency and present it to the buyer terminal of the access source.The fifth step is to receive an acknowledgment from the buyer terminal. After receiving the credit, the sixth step of issuing a request for payment to the buyer of the buyer terminal of the access source to the designated account of the clearing house for the authenticated one; and A seventh step of converting the deposit amount into a value of a currency of a type previously registered by the store or electronic store of the product purchase and transferring the value to a designated account of the store or electronic store of the product purchase source. A first step of allowing a purchaser to select a desired language to be used for a commercial transaction from two or more languages when accessing the electronic store; and The second step is to present the information on the commercial transaction including the product information in multiple languages to the accessing buyer terminal, and the third step is to accept the purchase order from the buyer terminal for any of the products indicated by the presented product information. Step, a fourth step of accepting the type of payment currency for the received buy order, and a fifth step of calculating the purchaser's payment amount in the accepted type of payment currency and presenting it to the accessing buyer terminal. After receiving an acknowledgment from the buyer's terminal and receiving credit from the payment institution, it issues a request for payment to the buyer of the accessing buyer's terminal to the designated account of the payment institution for the authenticated one A sixth step of performing the payment, and depositing the amount of money into the designated account of the clearing house into the currency of the type registered in advance by the store or the electronic store from which the product was purchased. And a seventh step in which the value is converted into a value and transferred to the designated account of the store from which the product was purchased or the electronic store.

Then, the first step comprises a step of selecting a country name or a region name including a desired language or language zone.

In addition, the first step includes a step of determining the buyer identification information received from the buyer terminal. Information and the purchaser identification information registered in the purchaser database, and if the purchaser is registered in the purchaser database, extract the language selection information registered with the purchaser identification information And instructing that the information related to the commercial transaction be presented to the accessing buyer terminal in the language corresponding to the language selection information.

Further, the first step includes a step of automatically selecting a language corresponding to a source address received from the buyer terminal, language setting information of the buyer terminal, or a telephone number.

Further, the second step is to translate, in real time, character information of information on commercial transactions including product information of each electronic store into character information in a language specified by the buyer terminal and present the translated character information to the buyer terminal of the access source. The method comprises the steps of:

Further, the second step is to select a store page in a language specified from a buyer terminal among store pages in two or more languages established for each electronic store, and to obtain information on commercial transactions including product information of the store page. Is presented to the buyer terminal of the access source.

In addition, the store page monitors the frequency of specifying a language for each electronic store, and automatically opens a store page in the relevant language for each of the electronic stores or the server computer of a service organization for those with a high frequency of specification. 'It is characterized by

Further, the fourth step includes a step of presenting the current exchange rate to the buyer terminal of the access source.

Further, the commercial transaction device of the present invention allows the purchaser to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of the product. The first means, and information about commercial transactions including product information in the selected language is sent to the accessing buyer terminal. And a second means for presenting.

Also, a first means for allowing a buyer to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of a product, And a second means for presenting information on a commercial transaction including product information in a plurality of languages having the representative language as a representative language to the buyer terminal of the access source.

Also, a first means for allowing a buyer to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of a product, Means for presenting information related to a transaction including product information in the language of the buyer to the accessing buyer terminal, and third means for receiving a purchase order from the buyer terminal for any of the products indicated by the provided product information. The fourth means for accepting the type of payment and loan for the received purchase order, and the fifth means for calculating the purchaser's payment amount in the accepted type of payment currency and presenting it to the buyer terminal of the access source. And a step.

Also, a first means for allowing a buyer to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of a product, Second means for presenting information on a trade including product information in a plurality of languages whose representative language is the buyer's language, and a buyer for any of the products indicated by the provided product information A third means for accepting a buy order from a terminal, a fourth means for accepting the type of payment currency for the accepted buy order, and a payment amount of the buyer in the accepted type of payment currency is calculated, and the purchaser of the access source is calculated. And a fifth means for presenting to a remote terminal.

Also, when accessing the electronic store from a buyer terminal used by a purchaser of a product, a desired language to be used for commercial transactions can be selected from two or more languages. One of the first means for the purchaser to select, the second means for presenting information on the transaction including the product information in the selected language to the buyer terminal of the access source, and one of the products indicated by the provided product information A third means for accepting a purchase order from the buyer terminal for the purchase order, a fourth means for accepting the type of payment for the accepted purchase order, and a purchaser's payment amount in a payment currency of the accepted type. Fifth means of presenting to the buyer terminal of the access source, receiving the confirmation response from the buyer terminal, receiving the credit from the payment institution, and then authenticating the authenticated one to the buyer of the buyer terminal of the access source. A sixth means for issuing a payment request to the designated account of the clearing house, and the amount of money deposited into the designated account of the clearing house for the currency of the type registered in advance by the electronic store of the product purchaser. Converted to, it is characterized in that a seventh means Komu pretend to purchase the source of the electronic shop of the designated account.

Also, a first means for allowing a buyer to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of a product, Second means for presenting information on commercial transactions including product information in multiple languages whose representative language is the representative language to the accessing buyer terminal, and from the buyer terminal for any of the products indicated by the presented product information A third means of accepting the purchase order of the purchaser, a fourth means of accepting the type of payment currency for the broad purchase order, and calculating the payment amount of the buyer in the payment currency of the received type, Fifth means of presenting to buyer terminal, and after receiving confirmation from buyer terminal, receiving credit from payment institution, and authenticating, authenticated buyer terminal A sixth means for issuing a payment request to the designated account of the clearing house to the purchaser, and a method of depositing the deposit amount into the designated account of the clearing house by the electronic store of the product purchaser in advance. It has a seventh means for converting the value into currency and transferring it to the designated account of the electronic store from which the product was purchased. Sign.

Then, the first means comprises means for selecting a country name or a region name including a desired language or language zone.

Further, if the first means is a means for comparing the purchaser identification information received from the buyer terminal with the purchaser identification information registered in the purchaser database, and the purchaser registered in the purchaser data pace, Means for extracting language selection information registered together with the purchaser identification information and instructing the buyer terminal of the access source to present information related to commercial transactions in a language corresponding to the language selection information. And

Further, the first means is characterized by comprising means for automatically selecting a source address received from the buyer terminal, language setting information of the buyer terminal, or a language corresponding to the telephone number.

In addition, the second means translates, in real time, character information from information on commercial transactions including product information of each electronic store into character information in a language specified by the buyer terminal, and accesses the buyer terminal of the access source. Characterized in that it comprises means for presenting.

In addition, the second means selects a store page in a language specified from a buyer terminal among store pages in two or more languages established for each electronic store, and includes a commercial transaction including tooth information of the store-specific page. And means for presenting information on the buyer terminal of the access source.

The store page monitors the frequency of specifying a language for each electronic store and automatically opens a store page in the relevant language for each electronic store or a server computer at a service organization for those with a high frequency of specification. There is a feature.

Further, the fourth means includes means for presenting the current exchange rate to the buyer terminal of the access source. The commerce system of the present invention establishes a plurality of buyer terminals used by a purchaser of a product and one or more electronic stores, and conducts a commerce transaction electronically by communicating with the buyer terminal via a network. With a computer

First means for allowing a buyer to select a desired language to be used for commercial transactions from two or more languages when the server terminal accesses the electronic store from the buyer terminal; A second means for presenting information on a commercial transaction including product information in a language to a buyer terminal of an access source.

In addition, the server computer is

A first means for allowing a purchaser to select a desired language to be used for business transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of the product; and A second means for presenting information related to a commercial transaction including product information in a plurality of languages whose representative language is the language to the accessing buyer terminal.

In addition, the server computer is

A first means for allowing a purchaser to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of the product; A second means for presenting information on the commercial transaction including the product information to the accessing buyer terminal in the selected language, and a third means for receiving a buying order from the buyer terminal for any of the products indicated by the presented product information. Means, a fourth means for receiving the type of payment currency for the received buy order, a fifth means for calculating the amount paid by the buyer in the received type of payment currency, and presenting it to the buyer terminal of the access source. It is characterized by having.

In addition, the server computer evening A first means for allowing a purchaser to select a desired language to be used for business transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of the product; and The second means for presenting information on commercial transactions including product information in a plurality of languages represented by the language to the accessing buyer terminal, and from the buyer terminal for any of the products indicated by the presented product information The third means for accepting the purchase order of the buyer, the fourth means for accepting the type of payment currency for the received purchase order, and the amount of payment of the buyer in the payment currency of the accepted type is calculated, and the buyer terminal of the access source is calculated. And a fifth means for presenting the information.

Also, the server computer may include:

A first means for allowing a purchaser to select a desired language to be used for business transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of the product; and A second means for presenting information on a commercial transaction including product information in a language to the buyer terminal of the access source, and a third means for receiving a purchase order from the buyer terminal for any of the products indicated by the presented product information A fourth means for receiving the type of payment currency for the received buy order, a fifth means for calculating the purchaser's payment amount in the received type of payment currency, and presenting it to the buyer terminal of the access source; After receiving an acknowledgment from the buyer's terminal and receiving credit from the payment institution, the authenticated one is provided to the buyer of the accessing buyer's terminal, and the payment to the designated account of the payment institution is made. The sixth means for issuing a purchase request, and converting the deposit amount to the designated account of the clearing house into the value of the currency of the type registered in advance by the electronic store of the product purchaser, And a seventh means for transferring money to a designated account.

Also, the server computer may include:

Access to the electronic store from the buyer terminal used by the purchaser of the product First, the first means for the buyer to select a desired language to be used for commerce from among two or more languages, and information on commerce including product information in a plurality of languages represented by the selected language. Second means for presenting to the buyer terminal of the access source, third means for accepting a purchase order from the buyer terminal for any of the products indicated by the presented product information, and payment currency for the received purchase order The fourth means for accepting the type of payment, the fifth means for calculating the buyer's payment in the payment currency of the accepted type, and presenting it to the buyer terminal of the access source, and receiving the confirmation response from the buyer terminal, After receiving the credit from the institution, a sixth means for issuing a payment request to the buyer of the accessing terminal to the buyer of the terminal for the authenticated one, and A method of converting the deposit amount into the designated account of the purchasing organization into a value of a currency of the type registered in advance by the electronic store of the product purchaser and transferring the value to the designated account of the electronic store of the product purchase source. It is characterized by having. And the first means,

It is characterized by comprising means for selecting a country name or a region name including a desired language or language zone.

Further, if the first means is a means for comparing the purchaser identification information received from the buyer terminal with the purchaser identification information registered in the purchaser database, and the purchaser registered in the purchaser database, Means for extracting the registered language selection information together with the purchase ¾ identification information, and instructing the buyer terminal of the access source to present information on the commercial transaction in the language corresponding to the language selection information. I do.

Further, the second means relates to a commercial transaction including product information of each electronic store. And means for translating character information from the buyer terminal into character information in a language designated by the buyer terminal in real time and presenting it to the buyer terminal of the access source.

Further, the second means selects a store page in a language specified from a buyer terminal among store pages in two or more languages established for each electronic store, and relates to a commercial transaction including product information of the store page. It comprises means for presenting information to the buyer terminal of the access source.

Further, the fourth means includes means for presenting the current exchange rate to the buyer terminal of the access source.

The commercial transaction recording medium of the present invention includes a first process for allowing a purchaser to select a desired language to be used for a commercial transaction from two or more languages when an electronic store is accessed from a buyer terminal. And a second process of presenting information on the commercial transaction including the product information to the buyer terminal of the access source in a given language. '

Further, a first process for causing the purchaser to select a desired language to be used for commercial transactions from two or more languages when the electronic store is accessed from the buyer terminal, and that the selected language is a representative language. A computer-readable program including a second process of presenting information related to a commercial transaction including product information in a plurality of languages to a buyer terminal of an access source.

When accessing the electronic store from a buyer terminal, two or more words are used. A first process for prompting the buyer to select a desired language to be used for commerce from among words, and a second process for presenting information on commerce including product information in the selected language to the buyer terminal of the access source. A third process for accepting a buy order from a buyer terminal for any of the products indicated by the presented product information; a fourth process for accepting the type of payment currency for the accepted buy order; and A computer readable program including a fifth process of calculating a purchaser's payment amount in a payment currency and presenting it to an access source buyer terminal is recorded.

Further, a first process for causing the purchaser to select a desired language to be used for commercial transactions from two or more languages when the electronic store is accessed from the buyer terminal, and that the selected language is a representative language. The second process is to present to the accessing buyer terminal information about the transaction including the product information in multiple languages, and the third process is to accept the purchase order from the buyer terminal for any of the products indicated by the presented product information. And the fourth process of accepting the type of payment and loan for the received purchase order, and the fifth process of calculating the buyer's payment amount in the accepted type of payment currency and presenting it to the buyer terminal of the access source And a program readable by a combination including the processing.

Further, a first process for allowing a purchaser to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal, and merchandise information in the selected language. The second process of presenting information on the commercial transaction including the information to the accessing buyer terminal, the third process of receiving a purchase order from the buyer terminal for any of the products indicated by the presented product information, and the received purchase order 4th process for accepting the type of payment currency for payment, 5th process for calculating the amount paid by the buyer in the accepted type of payment currency, and presenting it to the buyer terminal at the access source, and confirmation from the buyer terminal After receiving the response and receiving the credit by the clearing house, for the authenticated one, issue a payment request to the buyer of the buyer terminal of the access source to the designated account of the clearing house, and The payment amount to the designated account of the settlement institution is converted into the value of the currency of the type registered in advance by the store or electronic store of the product purchaser and transferred to the designated account of the store or electronic store of the product purchaser. A program readable by a computer including the steps of (a) and (b) is recorded.

Further, a first process for causing the purchaser to select a desired language to be used for commercial transactions from two or more languages when the electronic store is accessed from the buyer terminal, and that the selected language is a representative language. The second process is to present to the accessing buyer terminal information about the transaction including the product information in multiple languages, and the third process is to accept the purchase order from the buyer terminal for any of the products indicated by the presented product information. And the fourth process of accepting the type of payment and loan for the received purchase order, and the fifth process of calculating the buyer's payment amount in the accepted type of payment currency and presenting it to the buyer terminal of the access source After processing and receiving an acknowledgment from the buyer's terminal, receiving credit from the payment institution, and authenticating, to the buyer of the accessing buyer's terminal, the designated account of the payment institution The sixth processing for issuing a payment request for the above, and converting the deposit amount to the designated account of the payment institution into the value of the currency of the type registered in advance by the store or electronic store of the product purchase, and purchasing the product A computer-readable program including a seventh process of transferring a designated account of the original store or the electronic store is recorded.

Then, the first processing comprises a step of selecting a country name or a region name including a desired language or language zone.

Further, the first process is a process of comparing the purchaser identification information received from the buyer terminal with the purchaser identification information registered in the purchaser database, If the purchaser is registered in the purchaser database, the registered language selection information is extracted together with the purchaser identification information, and the information on the commercial transaction in the language corresponding to the language selection information is accessed by the buyer. And a process of instructing the terminal to present it to the terminal.

Further, the first process is characterized by comprising a process of automatically selecting a source address received from the buyer terminal, language setting information of the buyer terminal, or a language corresponding to the telephone number.

Further, the second processing is to translate, in real time, the character information of the information related to the commercial transaction including the product information of each electronic store into the character information in the language specified by the buyer terminal, and to access the buyer terminal of the access source. It is characterized by comprising the processing presented in (1).

Further, the second process selects a store financing page in a language specified from a buyer terminal among store pages in two or more languages established for each electronic store, and relates to a commercial transaction including product information of the store page. It is characterized by the process of presenting information to the buyer terminal of the access source.

In addition, the store page monitors the frequency of specifying a language for each electronic store, and automatically opens a store page in the relevant language in each electronic store or a server computer of a service institution with a high frequency of specification. It is characterized by. '

Further, the fourth process includes a process of presenting the current exchange rate to the buyer terminal of the access source.

The goods to be dealt with in the present invention include not only articles having a shape but also contents such as music software, computer software, video data, and services such as services. BRIEF DESCRIPTION OF THE FIGURES FIG. 1 is a system configuration diagram showing one embodiment of a system to which a commercial transaction method of the present invention is applied.

FIG. 2 is a diagram showing a first example of a language selection screen displayed on a buyer terminal in the present invention.

FIG. 3 is a diagram showing a second example of the language selection screen displayed on the buyer terminal in the present invention.

FIG. 4 is a diagram showing a third example of the language selection screen displayed on the buyer terminal in the present invention.

FIG. 5 is a diagram showing an example of a mechanism for providing product information in a language specified by a purchaser in the present invention.

FIG. 6 is a diagram showing an example of a mechanism for automatically opening a store page in a language specified by a purchaser.

FIG. 7 is a diagram showing an example of information transmitted and received at a server computer, a store terminal, and a buyer terminal of an electronic store service organization.

FIG. 8 is a diagram showing an example of the contents of a database provided in an electronic store maker service organization.

FIG. 9 is a flowchart showing an outline of a commercial transaction procedure in the present invention ^) o

FIG. 10 is a flowchart showing a continuation of FIG.

FIG. 11 is a diagram showing an example of a screen displaying product information in a plurality of languages whose representative language is the language specified by the buyer.

FIG. 12 is a diagram showing a display example of product information.

FIG. 13 is a diagram showing a transition example of a screen when a buy order is made. FIG. 14 is a diagram showing an example of a settlement confirmation screen for a buy order. FIG. 15 is a flowchart showing details of the processing in the store terminal. FIG. 16 is a flowchart showing details of the processing of the server computer in the electronic store service organization.

FIG. 17 is a diagram showing an example of a flow of currency accompanying purchase of a product.

FIG. 18 is a diagram showing another configuration example of the settlement institution.

FIG. 19 is a diagram showing still another configuration example of the settlement institution.

FIG. 20 is a diagram showing still another configuration example of the settlement institution. BEST MODE FOR CARRYING OUT THE INVENTION

Hereinafter, embodiments of the present invention will be described in detail with reference to the accompanying drawings.

FIG. 1 is a system configuration diagram showing an embodiment of a system to which the commercial transaction method of the present invention is applied.

Server computer 104 in service institution 103 that is connected to 101 and has established one or more electronic stores 102 and one or more electronic stores, and multiple store terminals used by merchandise sellers 105 a to 105 c, multiple buyer terminals (buyer terminals) 106 to 106 c used by the buyer of the product, and trading value between the seller (store) and buyer of the product And a clearing house 107 that makes payments.

In this embodiment, among the plurality of store terminals 105a to 105c, the store terminal 105c 'of Company C has a built-in server computer (not shown), and its own company It shows an example of opening its own electronic store, and for companies A and B, the company has opened its own electronic store in the electronic store 102 at 104 on the server convenience store. Company A and B store terminals 105a and 105b access the electronic store 102 at the server computer 104 to update (register and delete) information about their products for sale. It is possible to receive a purchase order or the like of a product for which a purchase order has been received from the server computer 104 by e-mail. In addition, the store terminal 105 c of Company C is a buyer via the Internet 104. In response to access from terminals 106a to 106c, information on products sold in-house is transmitted, and a credit request is made to server combination user 104 of electronic store service organization 103 in response to a purchase order. In addition, it processes settlement requests for trading value.

Of the plurality of buyer terminals 106a to 106c, 106a and 106b are composed of information devices such as personal computers that can be connected to the Internet 101. Reference numeral 106c denotes an example in which the portable telephone is connectable to the internet 101. These buyer terminals 106a to 106c are server stores of the electronic store financing service organization 103 electronic store 101 of the store 104 or store terminals operated by the company C 105c. You can access information on the products to be sold on the screen by accessing the e-store inside the store, place an order for a product you want to purchase, or receive an e-mail with a payment request for the product.

The settlement institution 107 is an institution that settles the trading value of a product such as a credit company or a bank. In this embodiment, the currency that the seller of the product wants to receive is different from the currency that the buyer wants to pay Even in such cases, the exchange of currency values is carried out according to the current exchange rate, and a currency exchange agency that pays the seller for goods is included.

FIG. 2 is a diagram showing a first example of a language selection screen displayed on the display unit of the buyer terminals 106a to 106c in the present invention.

Buyer terminals 106a to 106c are connected to electronic store service organization 103 computer computer 104 electronic store 100 or store terminal operated by Company C. Upon access, a language selection screen 201 as shown in Fig. 2 (a) is displayed on the display of the buyer terminal 106 as the access source from the server computer 104 or the store terminal 105c. Screen information to be sent is sent. In the example of Fig. 2 (a), when accessing the electronic store of Company A, the flag objects 202 to 207 of multiple countries are displayed in parallel, and the buyer can select the desired language. For example, a message in the language 208 used in each country is displayed, and an example of selecting the desired language by clicking the mouse on one of the flag objects is displayed. Is shown.

For example, for a Japanese flag object 202, a Japanese guidance message 208, such as "Welcome, click here for Japanese," is displayed. ing. An English guide message 209 is also displayed for the US flag object 203.

So, for example, when the buyer clicks on the flag object 202 of Japan, the store screen 222 of Company A in Japanese notation as shown in Fig. 2 (b) is displayed on the server computer. And is displayed on the display unit of the buyer terminal 106 of the access source.

In this way, by determining the language desired by the buyer for the commercial transaction by selecting the flag object, the operation for selecting the language can be performed easily and quickly compared to the case where the language is selected while decoding the characters. Can be implemented.

In this case, it is not practical to display the flag objects of all the countries of the world on one screen, so the language selection screen is hierarchized and the top screen is English-speaking, Spanish-speaking, and Arabic. It is also possible to make the user select a language zone, such as a country zone or a Portuguese-speaking country, and let the buyer select the most appropriate language on the screen of the lower hierarchy.

Alternatively, instead of the flag object, a world map may be displayed, a country name or a region name may be selected from the world map, and the language corresponding to the country name or the region name may be determined. Also, if you try to select a language on a flag object or a world map, the buyer may not understand what the screen itself should be and may not be able to perform the next operation. is there. In such a case, measures such as displaying multiple languages adopted as UN official languages at the same time and indicating that the screen should be used for language selection may be adopted. .

FIG. 3 is a diagram showing a second example of the language selection screen displayed on the display unit of buyer terminals 106a to 106c.

Here, an example is shown in which only the flag objects 303 to 308 in the example of FIG. 2 are displayed, and the desired language is selected by clicking the mouse on any one of the flag objects.

In this example, for example, when the buyer clicks the flag object 303 of Japan, the information on the store screen 302 of Company A written in Japanese is displayed on the server computer as shown in Fig. 3 (b). It is transmitted from evening 104 and displayed on the display of the buyer terminal 106 of the access source.

FIG. 4 is a diagram showing a third example of the language selection screen displayed on the display unit of buyer terminals 106a to 106c.

Here, a language selection button 4 04 is displayed in a part of the language selection screen 4 0 1, and each time the language selection button 4 0 4 is clicked, it is displayed in the display window 4 0 5 Country (or language) is switched. For example, when the country name displayed in the display window 405 in Fig. 4 (a) is "XXXX" and the language selection button 404 is clicked on, the state shown in Fig. 4 (b) is obtained. Switching to "Japan", and clicking again, switches to "USA" as shown in Fig. 4 (c). Clicking the language selection button 404 keeps the state, and the country name in the display window 405 switches continuously.

Therefore, when the country name of the target language is displayed, click Is stopped, the language displayed in the display window 405 is assumed to be selected at the time of the stop, and the content of the store screen is displayed in the selected language.

Fig. 5 shows an example of how to implement the method of presenting product information etc. to the buyer terminal in the selected language when the buyer's desired language is selected from the buyer terminal for each electronic store FIG. Fig. 5 (a) shows that the Japanese language selection operation was performed on the buyer terminal 106 when the company A store 501 opened only the store page 501 in English. In this example, when a Japanese language selection operation is performed, the real-time translation engine 1004 provided in the server computer 104 provides an English-language store page 5001. This example shows a configuration in which the character information of No. 1 is translated in real time into character information in Japanese and displayed on the display unit of the buyer terminal 10. It goes without saying that the image information of the store page 501 1 is not to be translated.

Here, the translation processing by the real-time translation engine 1041 can reduce the time required for translators to a practical time by, for example, the following method.

(1) Product information and product information are mostly nouns and fixed phrases. In addition, all notes and messages related to transactions are in the form of content. Therefore, a common identification number is assigned to all languages for the same meaning for each information or message, a language name is assigned as a lower attribute, and this identification number and lower attribute are assigned to the language-specific information or message. Create the added dictionary in advance. For example, the same identification number D = l is assigned to "thank-youj,""thankyou," and "thank you" in English, Japanese, and Chinese. Furthermore, "thank-you" is assigned attribute information "0 0 1" indicating that it is in English, and "thank you" is assigned to Assign attribute information "002" to indicate that it is written in Japanese, assign "003" to attribute information indicating that it is written in Chinese, and

“Thank-you” = I D 1— 00 1

"Thank you" = I D 1— 002

"Thank you" = I D 1-003

As the ID 1 group in the dictionary.

(2) Therefore, when translating the English notation into the Japanese notation, the information of the Japanese notation belonging to the English notation ID group is searched, and the search result is used as the translation output.

By doing so, there is no need to perform semantic or syntactic interpretation, so that the first language can be translated and output in a very short time.

Fig. 5 (b) is a diagram showing a second example of a method of displaying product information and the like on the buyer's terminal in the language selected by the purchaser. A store page containing two or more languages, such as Spanish and Spanish, has been set up, and a Japanese language selection operation has been performed on the buyer terminal. In this case, the shop page 510 1 2 in Japanese is selected and displayed on the display unit of the buyer terminal 10. In this second example, demand for the company's store from buyers in other languages is predicted, and store pages in each language are opened in advance. In this case, as shown in Fig. 6, the access country information management program 1042 is installed in the server combination 104, and the purchaser's sender and telephone number ( (Including country code) to determine the buyer's normal language, and if the specified frequency for a given period (for example, one day, one week, one month, etc.) exceeds the set value, the set value is Judging that there is a large demand for purchases in the language beyond that, the store page in that language was displayed on the server computer. Can be configured to be newly opened automatically. The example in Fig. 6 shows that a new store page in Chinese is automatically opened. This can be applied not only to the electronic store 102 in the electronic store service organization 103 but also to the store page in the store terminal 105 c unique to the company C in FIG. If the language specified by the purchaser is not available, a store page in a language commonly used can be automatically opened.

By doing so, it is possible to respond to demand from the language sphere that Company A did not anticipate, without involvement of shoppers. If the number of accesses is less than the set value for a predetermined number of times, the store pages in that language are automatically deleted, reducing the storage space managed by the server computer 104. This can contribute to a reduction in load. FIG. 7 is a diagram showing information or procedures transmitted and received among the server computer 103, the shop terminal '105, and the buyer terminal 106 in the present invention, and the transaction is completed by the following procedure. . In the following, the procedure with the store terminal 105c of Company C, which has opened its own store page, will be described as the store terminal 105. Differences in procedures between the electronic store service institution 104 and the electronic store opened in the server convenience store 104 will be based on the conclusion of the credit store, etc. within the server convenience store 104. It is only necessary to complete the credit request via Net 101.

It is assumed that the electronic store opened at the store terminal 105c of Company C is a store written in Japanese, English, French, and Chinese.

As shown in Fig. 7, the settlement institution 107 is composed of a credit card company 1071, and a currency exchange organization 1072 equipped with a computer-based currency exchange system 1073. It is assumed that

Also, secret information such as a credit number is stored in the server computer 104. A secure encryption program 10043 and a remittance processing program 1044 are implemented. In addition, the server computer 104 is a database (DB) required for business transactions, and the store information DB 103, customer information DB 103, and currency exchange DB 103 are electronic store services. It shall be located in the institution 103.

As shown in Fig. 8 (a), this store information DB 103 contains at least the store name 811, URL 802, language 8003, and payment currency 8 for each electronic store. 04. Store ID information is registered in advance. The language 803 used is the language of the store page opened by each electronic store. If the store page is written in Japanese and English, it will be "Japanese", "English" Is registered. The settlement currency 804 indicates the type of currency that the store operator of each electronic store wants to pay for the settlement, and the currency type “Japanese yen” when the customer wants to pay in Japanese yen. Another is registered.

As shown in Fig. 8 (b), the customer information DB 1032 stores at least the information consisting of the customer name 806, customer ID 807, and language 808 for each buyer. Have been. The customer ID 807 is an identification number issued by a separate procedure, such as membership registration, to each purchaser and wisher. The language 808 used indicates the type of language that the purchaser desires for ¾ transactions, and is registered according to the wishes of the purchaser when registering the customer ID807.

As shown in Fig. 8 (b), the latest exchange rate of each country's currency is registered in the exchange rate DB1033.

Hereinafter, information or procedures transmitted and received between the store terminal 105c and the buyer terminal 106 will be described with reference to the flowcharts of FIGS. 9 to 10 and FIG. (1) First, when the buyer connects to the in-home network 101 from the buyer terminal 106 to purchase the product and accesses the homepage (store page) of the store terminal 105c (the 7 Step 9 01, 9 02), the information on the language selection screen as shown in FIGS. 2 to 4 is transmitted from the access-target store terminal 105 c to the buyer terminal 106, and the buyer terminal It is displayed on the display section 106 (step 903). Then, when the purchaser selects the desired language (① in Fig. 7), the shop guide in the designated language as shown in Fig. 2 (b) or Fig. 3 (b) or Fig. 4 (b) will be displayed. The product information is transmitted from the store terminal 105c to be accessed to the buyer terminal 106 (端末 in FIG. 7) and displayed on the display of the buyer terminal 106 (step 904).

Alternatively, as shown in Fig. 11, the language specified by the buyer is set as the representative language, and store guidance and product information in multiple languages are transferred from the access-target store terminal 105c to the buyer terminal 106. It is transmitted and displayed on the display of buyer terminal 106. In the example screen 1001 shown in Fig. 11, if the desired language is "Japanese," the store name is composed of four languages, such as English and Chinese, with "Japanese" as the representative language. This example shows a display of a display message 102, a guide message 1003 to 106, a product genre selection guide message 1007 to 10009, and product genre information 11010. FIG. 12 shows a detailed example of the product genre information 1 10. '

When accessing the store terminal 105c, the buyer ID (or telephone number with country code or the sender address (IP address) of the buyer terminal 106) or the language of the browser on the buyer terminal Is transmitted from the buyer terminal 106 to the store terminal 105c, the store terminal 105c is transmitted from the customer information DB 11032 managed by the server computer 104. The information of the designated language corresponding to the purchaser ID (808 in FIG. 8 (b)) is obtained, and the product information screen in the designated language is immediately transmitted. (2) The personal computer system 1 1 0 2 of the personal computer system 1 1 0 2 in the product genre displayed in the product genre information 1 0 10 in FIG. When 2 is selected, as shown in Fig. 13 (a), a more detailed genre selection screen 1 201 is transmitted from the access destination store terminal 105 c to the buyer terminal 106, and the buyer terminal Displayed on the 106 display. In Fig. 13, only Japanese notation is used and other language notations are omitted.

Therefore, when the purchaser selects the genre of “Desktop PC” from the personal convenience store 1102, as shown in Fig. 13 (b), it is sold at the C store's electronic store. The information on the product selection screen 1202 including the product information such as the model name, manufacturer, and selling price of the desktop personal computer is transmitted from the store terminal 105c to the buyer terminal 106, and the buyer terminal 110 It is displayed on the display of 6.

(3) On the product selection screen 122, when the purchaser designates, for example, a desktop computer of XY Corporation as a desired product by clicking the mouse or the like, the number of purchases is determined as shown in Fig. 13 (c). The information on the purchase quantity selection screen 1203 that allows the user to input the information is transmitted from the shop terminal 105c to the buyer terminal 106 and displayed on the display section of the buyer terminal 106.

Therefore, the purchaser inputs the purchase quantity from the keyboard into the input field 1 2 0 4 of the purchase quantity, and a “Yes” button 1 2 0 5 is displayed for the message of “Are you sure?” When is selected, the purchase order operation for one purchased product is completed (steps 95, 906 in FIG. 7). If multiple products are purchased in one transaction, the processing of steps 905 and 906 is repeated.

Although the product information selection screen is displayed next to the language selection screen, the display order may be reversed. In other words, the product information selection screen is displayed in two or more languages, and the user selects the desired language. May be.

(4) When all the items to be purchased have been selected, the store terminal 105c transmits the information on the payment confirmation screen 1301 shown in Fig. 14 to the buyer terminal 106, and the buyer It is displayed on the display unit of the terminal 106. On the payment confirmation screen 1301, you can check the products to be purchased, accept the payment currency type desired by the buyer (step 907 in Fig. 7), and purchase amount in the currency specified by the buyer. Are displayed (Step 909), the currency to be paid is determined (Step 910), and the purchase is decided (Step 91).

In other words, the payment currency confirmation screen 1301 displays information for the buyer to settle in the currency desired by the buyer for the product selected as the purchased product. Assuming that the unit sales price is in Japanese yen and the buyer wants to pay in US dollars, the buyer can select the settlement currency

1 Select “USD” in 2.

Settlement currency confirmation screen 1 3 0 1 displays store name 1 3 0 3, product name 1 3 0 4, unit price 1 3 0 5, quantity 1 3 0 6, subtotal 1 3 0 7, total 1 3 0 8 However, when the buyer selects a settlement currency, the price offered by the store is displayed by replacing the currency value with the exchange rate according to the exchange rate. This currency value conversion process is performed in the store terminal 105c. At this stage, if the buyer changes “US dollar” to “Germany” in the settlement currency selection field '1302, the subtotal 1307, a total of 1 Is replaced with the currency value of "". In other words, multi-currency settlement can be made in any currency type desired by the buyer.

(5) When the purchaser selects the purchase decision button 1311, the purchase decision is made (step 911). Therefore, the store maker terminal 105c sends a purchase decision notification that records the information of the purchased product (store ID, product name, quantity, unit price, payment currency type, purchaser ID) and the specified language. The electronic The information is transmitted to the server computer 104 of the store service organization 103 ((3) in Fig. 5). In addition, the credit card information of the purchaser is accepted. If the purchaser ID has not been registered, the purchaser's name is entered and transmitted to the server computer 104.

Here, in order to prevent the credit card information from being leaked, for example, a web site of an electronic store service organization 103 that transmits and receives data after encrypting and transmitting the data using, for example, SSL (secure 'socket' layer) encryption technology. And accept credit card information at this website. The received credit card information is encrypted (step 912), and transmitted to the settlement institution 107 as a credit reference of credit card information (step 913, FIG. 7).

The credit card company 1071 of the payment institution 107 returns the result of the credit inquiry of the credit card information to the server computer 14 of the electronic store service institution 103.

The server computer sends the credit result to the store terminal 105c, and the store terminal 105 displays the payment authentication notification screen in the language specified by the buyer if the credit result is OK. Send to terminal 106 (6 in Fig. 7) and display. At this time, a payment request for the product purchase price is displayed together with the settlement authentication notification (Step '916). However, if the authentication is denied, 'a notification of settlement failure is transmitted to the buyer terminal 106 in the language specified by the buyer, and displayed (step 915).

If the credit result is OK, the store terminal 105c instructs the store clerk to ship the merchandise to the purchaser and causes the merchandise to be shipped (step 9 17) o

(6) — On the other hand, if the credit result is 0 K, the server convenience store 104, based on the purchase decision notification received from the store terminal 105c, 送信 Send the debit list to the US company 1071 (⑥ in Figure 7).

The credit card company 1071 issues a payment request for the purchase price of goods to the purchaser based on the payment list received from the server computer 104 ((1) in Fig. 7). Or deliver to the buyer by mail. In response, the buyer deposits the price of the purchased product into a predetermined settlement account. The credit card company 1071 debits the purchaser's purchase merchandise from the account specified by the purchaser on the specified date, and sends the purchase merchandise and the collection list to the currency exchange organization 1072. At least the transaction ID, amount, store name, and transaction date and time are recorded in this collection list. In addition, the credit card company issues a request for withdrawal of the product purchase price, and also issues it from the store terminal 105c, but only one of them may be used.

The currency exchange system 1 0 7 2's currency exchange system 1 0 Ί 3 converts the purchase price of goods received in the currency specified by the buyer into the value of the currency type specified by the store terminal 105 c, It is sent to the electronic store service organization 103 with the collection list (（in Figure 7).

In the electronic store service organization 103, the merchandise purchase price received from the currency exchange organization 1072 is paid by the reimbursement list. Execute the payment procedure to the account (Step 918, Fig. 7, ①). In this case, the payment may be made by subtracting the commission of the electronic store service organization 103 from the purchase price of the product. Fees are subject to a contract between the electronic store service organization 103 and each electronic store opener.

Ό.

The authentication result of the credit card information is transmitted to the store terminal 105c via the server computer 104 of the electronic store service organization 103. However, the data is sent directly to the store terminal 105c, and the server computer 104 cancels the purchase decision notification for the authentication result from the store terminal 105c or receives notification of the confirmation, and the price is withdrawn. It may be determined whether or not to proceed to the issuance procedure.

Also, instead of paying the merchandise purchase price for the store terminal 105c from the electronic store financing service organization 103, the currency exchange organization 1072 will pay the purchase price directly to the store terminal 105c. Is also good. In this case, the cash-out list issued from the server computer 104 to the credit card company 1071 will be included in the electronic store management service organization 103 based on the purchase price. Include fees.

Also, when accessing a store page of a plurality of electronic stores in one transaction and purchasing goods from a plurality of electronic stores, a notification of the purchase decision of each store is sent to the server computer of the electronic store service organization 103. It is possible to accumulate the information at 04 and move to the credit inquiry procedure in a lump at the end of purchase.

FIG. 15 is a flowchart showing in detail the processing procedure of the store terminal 105c, and FIG. 16 is a detailed processing procedure of the server computer 104 in the electronic store service organization 103. Is a flowchart shown in FIG.

′ In FIG. 15, the buyer connects to the in-house network 101 from the buyer terminal 106 to purchase goods (step 1401), and the homepage of the store terminal 105 c ( Store page) (step 1402). Then, the store terminal 105c retrieves the information of the language selection screen as shown in FIGS. 2 to 4 as an initial screen (step 1403) and transmits it to the buyer terminal 106 (step 140). Step 1 4 0 4)

At the buyer terminal 106, a language selection screen as shown in FIGS. 2 to 4 is displayed on the display unit as an initial screen (step 1405). So, buy When the customer selects a desired language, the designated information of the selected language is transmitted from the buyer terminal 106 to the store terminal 105c (step 1406).

The store terminal 105c takes out the store page screen written in the specified language from the buyer terminal 106 (step 1407) and transmits it to the buyer terminal 106. As a result, the display section of the buyer terminal 106 displays store guidance and product information in the specified language as shown in FIG. 2 (b), FIG. 3 (b) or FIG. 4 (b). (Step 144).

Alternatively, as shown in FIG. 10, shop guidance and product information in a plurality of languages are displayed with the language specified by the purchaser as the representative language.

Then, when the purchaser selects one of the products as a desired product for purchase (step 1402), the product name is transmitted to the store terminal 105c. The store terminal 105c updates the purchase history each time a product selection operation is performed (step 1410).

When the purchase decision operation is performed on the buyer terminal 106 following the end of the selection of one or more products, a purchase decision notice is transmitted from the buyer terminal 106 to the store terminal 105c (step 1411). ).

The store terminal 105c calculates the purchase price of the desired product in the currency of each country (step 1412). Furthermore, a multi-currency payment confirmation screen 13.01 as shown in FIG. 14 is generated (step 141 3), transmitted to the buyer terminal 106, and displayed on the display of the buyer terminal 106. (Steps 1415).

On the payment confirmation screen 1301, the details of the product to be purchased and the exchange rate are displayed, and the purchaser's desired payment currency type is accepted (step 1415). When the buyer selects the desired payment currency type, the purchase amount in the specified currency is selected from the purchase amounts calculated in steps 1 4 1 2 and displayed on the display section of the buyer terminal 1 06. (Steps 1 4 16). When the buyer confirms the payment currency, a notification of the purchase decision is transmitted from the buyer terminal 106 to the store terminal 105c (step 1418).

The purchase decision notification includes information on the purchased product (store ID, purchaser ID, product name, quantity, unit price, payment currency type) and information on the specified language.

The store terminal 105c that has received the notification of the purchase decision transmits the notification of the purchase decision to the server computer 104 of the electronic store service organization 103.

The server computer 104, which has received the notification of the purchase decision, accepts the purchaser's credit card information at a Web site for transmitting and receiving credit card information and the like by encrypted communication and performs a payment process ( Step 1 420). This settlement process verifies that the store ID recorded in the purchase decision notification is a legitimate electronic store registered in the store information DB 103, as shown in Fig. 16. Yes (step 1501). If the authentication is OK, the system proceeds to the website encrypted by the encryption program 1043, generates a credit card information input screen in the specified language, and trades through the store terminal 105c. It is transmitted to the hand terminal 106 (step 1504).

When the purchaser inputs the credit card information, the input credit card information is encrypted and input to the server convenience store 104 via the store terminal 105c.

The server computer 104 records the entered credit card information in a customer-specific purchase information DB (not shown) (step 1506), and credits the settlement institution 107 with the credit card information. Send as inquiry (Step 1505) o

The credit card company 1071 of the payment institution 107 performs credit processing to determine whether or not the credit card information is legitimate (step 15). 0 7), the server returns a credit result of credit OK to the server combination, and a credit result of credit NG to the server combination 104 if it is illegal.

The server computer 104 translates the credit result into the language specified by the purchaser and transmits it to the buyer terminal 106 via the store terminal 105c. Also, the credit result is recorded in purchase information DB (not shown) for each customer (step 1509). The buyer terminal 106 receiving the credit result displays the certification OK or certification NG. Subsequent processing is as described in FIG.

FIG. 17 is a diagram showing a flow of lending corresponding to the price of a product traded in the above procedure. The currency corresponding to the price purchased by the buyer is debited from the credit card company's purchaser's designated account to the credit card company 1071. Next, the credit card company 1071 remits money to the currency exchange organization 1072, where the currency value is converted and remitted to the electronic store service organization 103. Then, from the electronic store service organization 103, the money is transferred to the store account of the electronic store from which the purchase was made in the currency specified by the store. In this case, as described above, instead of payment from the electronic store service organization 103, payment may be made directly from the currency exchange organization 1072 in the currency specified by the store entrant.

As described above, the commercial transaction method of the present embodiment basically selects a desired language to be used for commercial transactions from two or more languages when accessing an electronic store from a remote terminal. Then, information on the commercial transaction including the product information in the selected language is presented to the buyer terminal of the access source, and a transaction of the product provided by the electronic store is performed. This makes it possible to conduct business transactions easily with a large number of electronic stores that use different languages without imposing an economic burden on the buyer, such as purchasing a multilingual translation program. The effect is obtained.

In addition, from the viewpoint of the storefront of the electronic store, there are many purchasers of the products in their own store. This will be an extremely useful effect, as it will increase the sales volume.

In addition, by accepting the type of currency to be paid for a buy order, and making it possible to select payment in any currency type, the difference between the currency type that the store wants to pay and the currency type that the buyer wants is different. Regardless, smooth settlement can be performed.

In addition, the access country information management program 1042 is installed in the server convenience store 104, and the country information of the access source of the buyer terminal for each electronic store is transmitted from the sender address or the telephone number having the country code. Alternatively, it is determined based on the language setting information of the browser, the corresponding language is determined based on the country information, and if a store page in the language is not established, a predetermined period from the country is determined.

When the number of accesses exceeds the set value (for example, one day, one week, one month, etc.), the server computer will automatically open a store page in a language that exceeds the set value. As a result, it is possible for each electronic store to respond to demand from languages that were not predicted without the involvement of the store enthusiast. In addition, when the number of times the number of accesses is less than the set value continues for a predetermined number of times, the store page in that language is automatically deleted, thereby reducing the storage space managed by the server computer 104. It can contribute to reducing the load.

(Another embodiment of the present invention)

In the above embodiment, the settlement institution 107 consists of a credit card company 1071, a currency exchange agency 1072, and an online settlement agency 1074 as shown in FIG. be able to. The difference from FIG. 7 is that the credit inquiry from the server computer 104 to the credit card company 1071 is made through the online settlement agency 1074. In addition, as shown in Fig. 19, the credit Alternatively, a credit inquiry may be made to a financial institution 1075 such as a bank, and the purchase price may be debited from the designated account of the financial institution 1075.

Further, as shown in FIG. 20, credit processing and currency exchange may be performed only by the online payment institution 1076 instead of the credit card company 1071.

In addition, the function of the electronic store service organization 103 can be incorporated in the settlement organization 107.

Note that the series of processes executed by the server computer 104 that opened the electronic store or the series of processes executed by the store terminal that opened the electronic store itself are CD-R programs that can be executed by the convenience store. It can be recorded on a storage medium such as 〇M and provided to those who want to open electronic stores for a fee. In addition, instead of a recording medium such as CD-ROM, it can be installed via a network on a computer owned by an electronic store establishment applicant, thereby contributing to the establishment of an electronic store.

In addition, it goes without saying that some of the procedures for communicating with sellers and purchasers of products can be changed in a reasonable manner by contract or consultation with sellers and purchasers.

In addition, the following modifications can be made. For example, in FIG. 18, the online payment institution 10 Ί 4 ′ has an encryption program 104 3, a remittance processing program 104 4, a currency exchange DB 103 3, and a store terminal 105 has Equipped with a customer information DB 1032, an online store service service organization 103 has only a store information DB1031 and a Web server, and can send credit requests and notices of credit results to online payment institutions 1 From 0 Ί 4 directly between the store terminal 105 and the credit result notification is directly sent to the buyer at the same time, a debit list is sent from the online payment institution 1074, and the price is paid. Pay directly from the online payment institution 1074 to the store terminal 105 Can be.

In addition, in Fig. 18, the online payment institution 1074 has the encryption program 1043 and the remittance processing program 1044, the store information DB1031, the customer information DB1032, and the exchange DB. Credit card and credit result notification are sent and received directly from the online payment institution 1704 to the store terminal 105, and the credit result notification is also sent directly to the buyer at the same time. The list can be transmitted from the online payment institution 1074, and the price can be paid directly from the online payment institution 1074 to the store terminal 105. Industrial applicability

As is apparent from the above description, according to the present invention, it is possible to easily exchange data with a large number of electronic stores using different languages without imposing an economic burden on a purchaser, such as purchasing a multilingual translation program. It is possible to obtain useful effects such as being able to conduct commercial transactions.

In addition, from the viewpoint of the storefront of the electronic store, the purchaser of the product at the store can be expanded to many languages, which is an extremely useful effect that the sales volume can be increased. .

'' In addition, accepting the payment currency type ^ for the purchase order, and making it possible to select payment in any currency type, the store type of the currency type that the store wants to pay and the currency type that the buyer wants Regardless of differences, smooth settlement can be performed.

Claims

The scope of the claims

1. One or more electronic stores are established on a commerce computer, and electronic commerce is conducted electronically with a buyer terminal via a network.

A first step of allowing a buyer to select a desired language to be used for business transactions from two or more languages when accessing the electronic store from a buyer terminal;

A second step of presenting information on the transaction including the product information in the selected language to the accessing buyer terminal;

A commercial transaction method comprising:

2. One or more electronic stores are established on a commerce computer, and electronic commerce is performed via a network with buyer terminals.

A second step of presenting information on a commercial transaction including product information in a plurality of languages having the selected language as a representative language to the buyer terminal of the access source.

3. One or more electronic stores are established on a commerce computer, and electronic commerce is conducted electronically with a buyer terminal via a network.

A first step of allowing a buyer to select a desired language to be used for business transactions from two or more languages when accessing the electronic store from a buyer terminal; A second step of presenting information on the commercial transaction including the product information in the selected language to the accessing buyer terminal;

A third step of accepting a purchase order from a buyer terminal for any of the products indicated by the presented product information;

A fourth step of accepting the type of payment currency for the accepted buy order;

A fifth step of calculating the buyer's payment amount in the accepted type of payment currency and presenting it to the accessing buyer terminal;

A commercial transaction method comprising:

4. One or more electronic stores are described at the top of the commerce store, written, and electronically transacted with the terminal through a network.

A first step of allowing a buyer to select a desired language to be used for business transactions from two or more languages when accessing the electronic store;

A second step of presenting information on the commercial transaction including the product information in a plurality of languages with the selected language as a representative language to the buyer terminal of the accessing source; and a step of transmitting from the buyer terminal for any of the products indicated by the presented product information. A third step of accepting a buy order for

A fourth step of accepting the supported currency type for the accepted buy order;

A commercial transaction method comprising:

5. A method of establishing one or more electronic stores on a commerce computer and conducting electronic commerce with a buyer terminal via a network. A first step of allowing a buyer to select a desired language to be used for business transactions from two or more languages when accessing the electronic store from a buyer terminal;

A second step of presenting information about the transaction including the product information in the selected language to the accessing buyer terminal;

After receiving an acknowledgment from the buyer's terminal and receiving credit from the clearing house, issue a payment request to the buyer of the accessing buyer's terminal to the buyer of the accessing buyer's terminal to the designated account of the payment institution. Steps and

The deposit amount to the designated account of the settlement institution is converted into a value of a currency of a type registered in advance by the store or electronic store of the product purchaser and transferred to the designated account of the store or electronic store of the product purchaser. 7 steps and

A commercial transaction method comprising:

6. 'One or more electronic stores are set up on a commerce computer, and electronic commerce is performed with the buyer's terminal through a network.

A second step of presenting information on the commercial transaction including the product information in a plurality of languages with the selected language as a representative language to the buyer terminal of the accessing source; and The third step of accepting a buy order for

Receiving the acknowledgment from the buyer terminal, issuing a payment request to the designated account of the clearing house to the buyer of the accessing buyer terminal,

A commercial transaction method comprising:

7. The first step is

The commercial transaction method according to any one of claims 1 to 6, further comprising a step of selecting a country name or a region name including a desired language or language zone.

8. The first step is a step of comparing the purchaser identification information received from the buyer terminal with the purchaser identification information registered on the purchaser data base; , The user is required to extract the registered language selection information together with the purchaser identification information and to present the information for the commercial transaction in the language corresponding to the language selection information to the buyer terminal of the access source. The commercial transaction method according to any one of claims 1 to 6, wherein the method comprises the steps of:

9. The first step is

Source address received from buyer terminal, language setting information of buyer terminal 7. The commercial transaction method according to claim 1, further comprising a step of automatically selecting a language corresponding to the telephone number.

10. The second step is to translate, in real time, the character information of the information about the commercial transaction including the product information of each electronic store into the character information in the language specified by the buyer terminal and present it to the buyer terminal of the access source. The commercial transaction method according to any one of claims 1 to 9, wherein the method comprises the steps of:

11. The second step is to select a store page in a language specified from the buyer terminal from among store pages in two or more languages established for each electronic store, and to execute a business transaction including product information of the store page. Presenting the information to the buyer terminal of the access source.

10. The commercial transaction method according to any one of paragraphs 1 to 9.

1 2. The store page monitors the frequency of specifying the language for each electronic store, and automatically opens the store page of the language in the electronic store or the server computer of the service organization for the one with the higher frequency of specification. The commercial transaction method according to claim 11, characterized in that:

13. The method according to any one of claims 3 to 12, wherein the fourth step includes a step of presenting a current exchange rate to a buyer terminal of an access source. Commerce method described in.

14. The business transaction method according to any one of claims 1 to 13, wherein the network is an Internet network.

15.5 A device that opens one or more electronic stores and conducts business transactions electronically over a network.

When accessing the electronic store from a buyer terminal used by a purchaser of a product, the buyer selects a desired language to be used for commercial transactions from two or more languages. A first means to let

A second means for presenting information on the commercial transaction including the product information in the selected language to the accessing buyer terminal; and

A commercial transaction device comprising:

16.1 A device that establishes one or more electronic stores and conducts electronic commerce through a network.

A first means for allowing a buyer to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of the product;

A second means for presenting information on a commercial transaction including product information in a plurality of languages, with the selected language as a representative language, to the accessing buyer terminal; and

A commercial transaction device comprising:

17.1 A device that opens one or more electronic stores and conducts business transactions electronically over a network.

A second means of presenting information about the transaction, including product information, in the selected language to the accessing buyer,

A third means for receiving a purchase order from a buyer terminal for any of the products indicated by the presented product information;

A fourth means for accepting the type of payment currency for the accepted buy order, a fifth means for calculating the purchaser's payment amount in the accepted type of payment currency, and presenting it to the buyer terminal of the access source;

A commercial transaction device comprising:

18.1 Open one or more electronic stores and establish electronic stores via the network. Device for conducting commercial transactions,

A second means for presenting information related to a commercial transaction including product information in a plurality of languages with the selected language as a representative language to the accessing buyer terminal;

A fourth means for receiving the type of payment currency for the received buy order, a fifth means for calculating the purchaser's payment amount in the received type of payment currency, and presenting the calculated amount to the buyer terminal of the access source;

A commercial transaction device comprising:

19.1 A device that establishes one or more electronic stores and conducts electronic commerce through a network.

The means of collection 2 that presents information on the commercial transaction including the product information in the selected language to the buyer terminal of the access source, and the third method of accepting a purchase order from the buyer terminal for any of the products indicated by the presented product information Means,

After receiving an acknowledgment from the buyer's terminal and receiving credit from the clearing house, a decision is made for the authenticated one to the buyer of the accessing buyer's terminal. A sixth means of issuing a payment request to the designated account of the institution,

A seventh means for converting the deposit amount into the designated account of the settlement institution into a value of a currency of a type previously registered by the electronic store of the product purchaser, and transferring the value to the designated account of the electronic store of the product purchaser;

A commerce device comprising:

20.1 A device that opens one or more electronic stores and conducts electronic commerce through a network.

A first means for allowing the buyer 10 to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of the product;

15 With a fourth means of accepting the type of payment currency for the accepted buy order.

A fifth means for calculating the buyer's payment amount in the accepted type of payment currency and presenting it to the accessing buyer terminal;

Receiving an acknowledgment from the buyer terminal, receiving a credit from the clearing house, and issuing a request for payment to the designated account of the payment machine 20 to the purchaser of the M-hand terminal that has accessed the authenticated device. Sixth means,

A commercial transaction device comprising:

25 2 1. The first means is:

Means to select country or region name containing desired language or language zone The commercial transaction device according to any one of claims 15 to 20, characterized by comprising:

2 2. The first means is means for comparing the purchaser identification information received from the buyer terminal with the purchaser identification information registered in the purchaser database; If there is, the language selection information registered together with the purchaser identification information is extracted, and means for instructing to present the information on the commercial transaction in the language corresponding to the language selection information to the accessing buyer terminal is included. The commercial transaction device according to any one of claims 15 to 20, wherein the transaction device comprises:

23. The first means comprises:

Any one of claims 15 to 20 characterized by comprising a step of automatically selecting a source address received from the buyer terminal, language setting information of the buyer terminal or a language corresponding to the telephone number. Commercial transaction device described in section.

24. The second means, in real-time, translates textual information of commercial transactions including merchandise information of each electronic store into textual information in a language specified from the buyer terminal, and accesses the buyer at the access source. The commercial transaction device according to any one of claims 15 to 20, characterized by comprising means for presenting to a terminal. '

25. The second means selects a store page in a language specified from the buyer terminal among store pages in two or more languages described for each electronic store, and relates to a commercial transaction including the product information of the store-specific page. The commercial transaction device according to any one of claims 15 to 20, comprising a step of presenting information to a buyer terminal of an access source.

26. The store page monitors the frequency of specifying the language for each electronic store, and stores the store page of the language in the electronic store for those with the higher frequency of specification. 26. The commercial transaction device according to claim 25, wherein the transaction device is automatically opened within a server computer of a service organization.

27. The method according to any one of claims 17 to 26, wherein the fourth means includes means for presenting a current exchange rate to a buyer terminal of an access source. Commerce device as described.

28. The transaction device according to any one of claims 15 to 27, wherein the network is the Internet.

29. A server computer that establishes multiple buyer terminals and one or more electronic stores that are used by those who wish to purchase products, and conducts electronic commerce electronically by communicating with the buyer terminals via a network. A system with

The server computer is

First means for allowing a buyer to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from the buyer terminal;

A commerce system comprising:

30. Open multiple electronic stores with multiple buyer terminals used by customers wishing to purchase merchandise, and conduct electronic commerce by communicating with the buyer terminals via a network. A system with a server computer,

The server convenience overnight,

A first means for allowing a buyer to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of the product; A second means for presenting information on a commercial transaction including product information in a plurality of languages, with the selected language as a representative language, to the accessing buyer terminal; and

A commerce system comprising:

3 1. Open a plurality of buyers' terminals and one or more electronic stores used by those who wish to purchase products, and conduct electronic commerce electronically by communicating with the buyer's terminals via a network. It is a system equipped with a personal computer

The server computer is

A first means for allowing a purchaser to select a desired language to be used for commercial transactions from two or more languages when accessing the electronic store from a buyer terminal used by a purchaser of the product; and

A second means for presenting information on the commercial transaction including the product information in the selected language to the accessing buyer terminal;

A fourth means for receiving the type of payment currency for the received buy order; and a fifth means for calculating the purchaser's payment amount in the received type of payment currency and presenting it to the buyer terminal of the access source.

'A commerce system characterized by the following.

3 2. A server computer that establishes a plurality of buyer terminals and one or more electronic stores that are used by those who wish to purchase products, and that conducts business transactions electronically by communicating with the buyer terminals via a network. A system with

The server computer is

A commerce system comprising:

3 3. Open a plurality of buyer's terminals and one or more electronic stores used by the purchaser of the product, and conduct electronic commerce by communication with the buyer's terminal through a network. A system with a server computer,

The server computer,

A second means of presenting information about the commercial transaction including the product information in the selected language to the accessing buyer terminal;

After receiving an acknowledgment from the buyer's terminal and receiving credit from the clearing house, a decision is made for the authenticated one to the buyer of the accessing buyer's terminal. A sixth means for issuing a payment request to the designated account of the payment institution, and converting the deposit amount to the designated account of the settlement institution into the value of the currency of the type registered in advance by the electronic store of the product purchaser The seventh means to transfer to the designated account of the electronic store from which the product is purchased and

A commerce system comprising:

3 4. A server that establishes one or more electronic stores with multiple buyer terminals used by those who wish to purchase products, and conducts electronic commerce by communication with the buyer terminals via a network. A system with a computer,

The server computer,

A fourth means for receiving the type of payment currency for the received buy order; and a payment for the received type; a fifth means for calculating the purchaser's payment amount in currency and presenting it to the buyer terminal of the access source;

After receiving an acknowledgment from the buyer's terminal and receiving credit from the clearing house, issue a payment request to the buyer of the accessing buyer's terminal to the buyer of the accessing buyer's terminal to the designated account of the payment institution. Means,

A seventh means for converting the deposit amount into the designated account of the settlement institution into a value of a currency of a type previously registered by the electronic store of the product purchaser, and transferring the value to the designated account of the electronic store of the product purchaser; A commerce system comprising:

3 5. The first means is:

The commercial transaction system according to any one of claims 29 to 34, further comprising means for selecting a country name or a region name including a desired language or language zone.

36. If the first means is a means for comparing the purchaser identification information received from the buyer terminal with the purchaser identification information registered in the purchaser database, and the purchaser registered in the purchaser database, Means for extracting the registered language selection information together with the purchaser identification information and instructing the buyer terminal of the access source to present the information on the commercial transaction in the language corresponding to the language selection information. The commercial transaction system according to any one of claims 29 to 34, characterized by the following.

3 7. The first means is:

Any one of claims 29 to 34, comprising means for automatically selecting a source address received from the buyer terminal, language setting information of the buyer terminal, or a language corresponding to the telephone number. Commerce system described in section.

38. The second means, in real-time, translates character information out of information on commercial transactions including product information of each electronic store into character information in a language specified from the buyer terminal, and obtains information of the access source. The commercial transaction system according to any one of claims 29 to 34, comprising means for presenting the information to a buyer terminal.

39. The second means selects a store page in a language specified from the buyer terminal among store pages in two or more languages established for each electronic store, and conducts business transactions including product information of the store page. Presenting information on the buyer terminal of the access source. Item 33. The commercial transaction system according to any one of Items 34 to 34.

40. The store page monitors the specified frequency of the language for each electronic store, and automatically opens the store page of the language in the electronic store or the server computer of the service organization for the frequently specified items. 30. The commercial transaction system according to claim 39, wherein:

41. The method according to any one of claims 31 to 40, wherein the fourth means includes means for presenting a current exchange rate to a buyer terminal of an access source. Commerce system described.

42. The commercial transaction system according to any one of claims 29 to 41, wherein the network is the Internet.

4 3. A medium in which an electronic store is opened on a computer and a program for electronically conducting business transactions over a network is recorded.

A first process for allowing a buyer to select a desired language to be used for a commercial transaction from two or more languages when accessing the electronic store from a buyer terminal; and information relating to a commercial transaction including product information in the selected language. Is presented to the buyer terminal of the access source.

A recording medium for commerce, characterized by recording a program that can be read by a contributor.

4 4. This is a medium in which an electronic store is opened over the night of a computer, and a program for electronically conducting commercial transactions through the network is recorded.

A first process for allowing a purchaser to select a desired language to be used for commercial transactions from two or more languages when the electronic store is accessed from a buyer terminal; and a plurality of languages having the selected language as a representative language. A second process of presenting information on commercial transactions including product information to the buyer terminal of the accessing

A recording medium for commerce, wherein a computer readable program including the above is recorded.

4 5. A medium in which an electronic store is opened on a computer and a program for conducting commercial transactions through a network is recorded.

A first process for allowing a buyer to select a desired language to be used for a commercial transaction from two or more languages when accessing the electronic store from a buyer terminal; and information relating to a commercial transaction including product information in the selected language. A second process of presenting to the buyer terminal of the access source,

A third process of accepting a purchase order from a buyer terminal for any of the products indicated by the presented product information;

A fourth process of accepting the type of payment currency for the received buy order, a fifth process of calculating the purchaser's payment amount in the accepted type of payment currency, and presenting it to the buyer terminal of the access source;

46. A medium that stores a program for establishing an electronic store in the evening of a convenience store and conducting electronic business transactions electronically over a network.

A first process for allowing a purchaser to select a desired language to be used for commercial transactions from two or more languages when the electronic store is accessed from a buyer terminal; and a plurality of languages having the selected language as a representative language. The second process is to present information on the commercial transaction including the product information to the long-hand terminal of the access source, and the third process is to accept a purchase order from the buyer terminal for any of the products indicated by the presented product information. When,

A fourth process of accepting the type of payment currency for the received buy order; and-a fifth process of calculating the purchaser's payment amount in the accepted type of payment currency and presenting it to the buyer terminal of the access source;

47. A medium that stores a program to open an electronic store on the evening of a convenience store and conduct electronic business transactions electronically over a network.

A fourth process of accepting the type of payment currency for the accepted purchase order; and a fifth process of calculating the buyer's payment amount in the accepted type of payment currency and presenting it to the buyer terminal of the access source.

After receiving an acknowledgment from the buyer's terminal and receiving credit from the clearing house, issue a payment request to the buyer of the accessing buyer's terminal to the buyer of the accessing buyer's terminal to the designated account of the payment institution. Processing and

The deposit amount to the designated account of the clearing house is converted into the value of the currency of the type registered in advance by the store or the electronic store of the product purchaser and transferred to the designated account of the store of the product purchaser or the electronic store. 7 processing and

A recording medium for commercial transactions, wherein a computer-readable program including the program is recorded. '

4 8. A medium in which an electronic store is established on a computer and a program for electronically conducting business transactions over a network is recorded.

A first process for allowing a purchaser to select a desired language to be used for commercial transactions from two or more languages when the electronic store is accessed from a buyer terminal; and a plurality of languages having the selected language as a representative language. A second process of presenting information on the commercial transaction including the product information to the buyer terminal of the access source at

From the buyer terminal for any of the products indicated by the presented product information A third process for accepting a buy order for

The deposit amount to the designated account of the settlement institution is converted into a value of a currency of a type registered in advance by the store or electronic store of the product purchaser and transferred to the designated account of the store or electronic store of the product purchaser. 7 processing and

A recording medium for commerce, wherein a program readable by a computer including the program is recorded.

4 9. The first processing is:

The recording medium according to any one of claims 43 to 48, comprising a step of selecting a country name or a region name including a desired language or language zone.

50. The first process is a process of comparing the purchaser identification information received from the buyer terminal with the purchaser identification information registered on the purchaser data base, and a purchaser registered in the purchaser database. If this is the case, the process of extracting the registered language selection information together with the relevant holder identification information and instructing the buyer terminal of the access source to present information on the commercial transaction in the language corresponding to the language selection information The recording medium according to any one of claims 43 to 48, comprising:

5 1. The first processing is

It is characterized by processing to automatically select the language corresponding to the sender address received from the buyer terminal, the language setting information of the buyer terminal or the telephone number. The recording medium according to any one of claims 43 to 48,

5 2. The second processing is to translate the character information of the information about the commercial transaction including the product information of each electronic store into the character information of the language specified from the buyer terminal in real time, and to access the buyer. The commercial transaction method according to any one of claims 43 to 48, comprising a step of presenting the transaction to a terminal.

5 3. The second processing is to select a store page in a language specified from a buyer terminal from store pages in two or more languages established for each electronic store, and to conduct business transactions including product information of the store page. 47. The commercial transaction method according to any one of claims 43 to 48, comprising a step of presenting information on the buyer terminal of the access source.

5 4. The store page monitors the frequency of specifying the language for each electronic store, and automatically opens the store page in the relevant language in each electronic store or the server computer of the service organization for those with the higher frequency of specification. The commercial transaction method according to claim 53, wherein:

55. The method according to any one of claims 45 to 54, wherein the fourth processing includes presenting a current exchange rate to a buyer terminal of an access source. The recording medium according to Item.