Electronic data interchange system, sales server, settlement server, terminal, sales method, settlem

专利摘要:
The terminal 121 receives input data according to a desired product, and transmits a message including information about the product to the sales server 141. The sales server 141 receives the message, obtains the price of the product, and transmits a message including the price and the payment server 161 to the terminal 121. The terminal 121 receives this message, accepts the input data of the scratch number of the prepaid card, and transmits a message including the scratch number, the price, and the sales server 141 to the payment server 161. The settlement server 161 receives this message and acquires a balance corresponding to the scratch number. If the balance is less than the price, the payment server 161 updates the balance by subtracting the price from the balance, and sends a payment success message to the sales server 141. The sales server 141 receives the message and provides a desired product.
公开号:KR20020028819A
申请号:KR1020010062316
申请日:2001-10-10
公开日:2002-04-17
发明作者:다카츠유이치；스기우라요시히코
申请人:가부시키가이샤 웹머니；
IPC主号:

专利说明:

Electronic recording system, sales server, payment server, terminal, sales method, payment method, purchase method and information recording medium storing information for recognizing the same background of the present invention {ELECTRONIC DATA INTERCHANGE SYSTEM, SALES server, SETTLEMENT SERVER, TERMINAL , SALES METHOD, SETTLEMENT METHOD, PURCHASING METHOD AND INFORMATION RECORDING MEDIUM STORING INFORMATION FOR REALIZING THE SAME BACKGROUND OF THE
[17] The present invention recognizes an electronic transaction system, a sales server, a payment server, a terminal, a sales method, a payment method, a purchase method, and the above, which are suitable for electronic transactions for managing goods or services provided while preventing the leakage of personal information easily. A computer-readable information recording medium for recording a program.
[18] In the past, a technique for recognizing EDI through a computer communication network, particularly the Internet, has been proposed. Such EDI sums the user's name, redemption card number, and the validity of the card, using a secure transmission technology using SSL (Secure Socket Layer) encryption technology to balance the transaction, and the total amount of goods purchased by the user. A technique for adding a usage fee from a connected Internet site is proposed.
[19] Moreover, another technique for making a payment using a prepaid card having recorded an ID code is proposed. In this technology, the user purchases a prepaid card in advance. The sales server selling the goods or services advertises the goods sold on the web site managed by the sales server. The user then accesses the website and also accesses the payment server's website that matches the information contained in the sales server's website and linked to the payment server.
[20] The settlement server records the information and price indicative of goods and services provided from the sales server in advance. The payment server also records information indicating the balance of the account that matches the ID code recorded on the user's prepaid card.
[21] If the user accesses the payment server and specifies the desired goods or services and the ID code of the user's prepaid card, the payment server checks the balance of the user's account. If the balance is greater than or equal to the total amount of the desired goods, the payment server subtracts the price from the balance to update the notice information, and informs the sales server that payment has been made.
[22] Receipt of information indicating that payment has been made provides the product or service desired by the sales server to the user.
[23] In EDI using a credit card, personal information may be leaked. EDI technology, which uses the highly anonymous Internet, wants transactions to take place without a credit card.
[24] EDI technology using an Internet service provider or the prepaid card described above requires a record of the price information of the goods or services provided by the payment server. Internet transactions, where the alignment of goods or services is updated as soon as possible, prefer that the seller providing the goods or services change the information type or price information of the goods or services only through a sales server managed by the seller.
[25] An object of the present invention is an electronic transaction (hereinafter referred to as EDI-Electronic Data Interchange) system, a sales server, a payment server, a terminal, a sale, suitable for an electronic transaction that manages a product or service provided while preventing personal information from being easily leaked. A computer readable information recording medium for recording a method, a payment method, a purchase method and a program for recognizing the above is provided.
[26] In order to achieve the above object, according to a first aspect of the present invention, there is provided an EDI system comprising at least one terminal 121, at least one sales server 141 and a sales server 161. ;
[27] (a) The at least one terminal 121 receives input data according to a desired product or service provided and provides at least one product / service designation message including information specifying the provided desired product or service. 141);
[28] (b) the at least one sales server 141 receives the product / service designation message, obtains a price of a product or service designated by the information including the product / service designation message, and designates a payment server. Send a price / payment server specifying message including a price and information to at least one terminal 121;
[29] (c) the at least one terminal 121 receives a price / payment server designation message from the at least one sales server 141 and receives input data indicating an ID code for the product or the sales server 141. And a price code / payment server designation message including an ID code / price / sale server designation message including information specifying at least one sales server 141 and information designated in the price / payment server designation message and an ID code. Send to the specified payment server 161 in the information contained therein;
[30] (d) The payment server 161 receives the ID code / price / sales server designation message, obtains the balance stored in advance with respect to the ID code specified in the information contained in the ID code / price / sales server designation message; If the acquired balance is greater than or equal to the price specified in the information contained in the ID code / price / sales server-specified message, the balance is renewed by subtracting the price from the pre-recorded balance in relation to the ID code, Transmit a payment success message including information indicating that the information included in the price / sale server designation message comprises at least one sale server 141 specified; And
[31] (e) The at least one sales server 141 receives the payment success message and provides a product or service specified in the information indicating the product / service specification message.
[32] The at least one sales server 141 is a payment server instead of sending a price / payment server specifying message directly to the at least one terminal 121 to transmit a price / payment server specifying message to the at least one terminal 121. To control.
[33] The at least one sales server 141 includes information designating a specified product or service in the information contained in the product / service specification message. The at least one terminal 121 in the price / payment server specifying message includes information designating the goods or services specified in the information included in the price / payment server specifying message. In the ID code / price / sale server designation message, the payment server 161 includes information designating the goods or services specified in the information included in the ID code / price / sale server designation message. At least one sales server 141 in the payment success message obtains the goods or services specified in the information included in the price / service specification message from the information specifying the goods or services specified in the payment success message.
[34] The price / payment server specifying message is encrypted by at least one terminal 121 and decrypted by at least one payment server 161.
[35] At least one of the goods / services specified message, the price / payment specified message, the payment success message, the ID code / price / sales server specified message is transmitted via the computer communication network, in particular through the Internet 181.
[36] If at least one sales server 141 is provided with at least one terminal 121 with the goods or services specified in the information contained in the goods / service specification message:
[37] (f) at least one sales server 141 sends to the payment server 161 a goods / service location designation message containing information specifying the location of the goods or services;
[38] (g) the payment server 161 receives the goods / services positioning message from at least one sales server 141 and specifies the location of goods or services specified in the information contained in the goods / servic positioning messages. Send a goods / service location notification message comprising; And
[39] (h) At least one terminal 121 receives the goods / service location notification message and obtains goods or services from the location specified in the information included in the goods / service location notification message.
[40] In order to achieve the above object, according to a second aspect of the present invention, there is provided a sales server 141 for performing data communication with at least one terminal 121, payment server 161, including: Sales server
[41] A product / service specification message receiving unit 801 for receiving a product / service specification message including information specifying what is desired in a product or service provided from at least one terminal;
[42] A price obtaining unit 802 for obtaining a price of a product or service specified in the information included in the product / service correction message;
[43] A price / payment server specifying message transmitter 803 for transmitting a price / payment server specifying message including the obtained price and information specifying the payment server 161 to at least one terminal 121;
[44] A payment success message receiving unit 804 for receiving a payment success message including information indicating payment success from the payment server 161; And
[45] It includes a product / service providing unit 805 for providing a product or service specified in the information contained in the product / service designation message.
[46] In order to achieve the above object, according to a third aspect of the present invention, a payment server 141 for performing data communication with at least one terminal 121, sales server 161, and payment server 141, including the following: ), The payment server:
[47] Receive ID code / price / sale server designation message information including goods or services, price of goods or services, goods or services and payment ID code for at least one sales server 161 from at least one terminal 121 ID code / price / sales server designation message receiving unit 601;
[48] A balance acquiring unit 602 for acquiring the balance stored in advance in association with the ID code specified in the information included in the ID code / price / sale server designation message;
[49] A balance updating unit 603 for updating the balance by subtracting the price from the balance previously stored in association with the ID code, when the balance is equal to or greater than the price specified in the information included in the ID code / price / sale server designation message; And
[50] If the balance is updated, a payment success message sending a payment success message including information indicating that the payment is successful on at least one sales server 141 specified in the information included in the ID code / price / sale server specification message. The transmitter 604 is included.
[51] In order to achieve the above object, according to a fourth aspect of the present invention, a terminal 121 for executing data communication with at least one sales server 141 and a payment server 161 is executed, the terminal:
[52] A goods / services specified message transmitter 1002 for transmitting a goods / services specified message including information designating the goods or services to be received to at least one sales server 141;
[53] A price / payment server specifying message receiving unit 1003 for receiving a price / payment server specifying message including a product or service price and information specifying the payment server 161;
[54] An ID code input unit 1004 for accepting input data of a payment ID code for a product or a service; And
[55] An ID code / price / sales server specifying message containing information specifying an ID code, a price specified in the information including a price / payment server specifying message, and at least one sales server 141 to the price / payment server specifying message. And an ID code / price / sale server designation message transmitter 1005 to transmit to the payment server 161 specified in the included information.
[56] In order to achieve the fifth aspect of the present invention, there is provided a selling method of sellable goods through data communication having at least one terminal and a payment server, wherein the selling method is:
[57] Receiving at least one terminal a price / payment server designation message including information specifying desired products or services;
[58] Accepting a price of a product or service specified in the information included in the product / service specification message;
[59] Transmitting, to at least one terminal, a price / payment server designation message including information assigned to the committed price and the checkout server;
[60] Receiving a payment success message from the payment server including information indicating the payment success; And
[61] Providing the goods or services specified in the information contained in the price / service specification message.
[62] In order to achieve the above object, according to a sixth aspect of the present invention, there is provided a payment method for executing a payment via data communication having at least one terminal and a sales server, the method comprising:
[63] Receiving an ID code / price / sale server specifying message including information specifying goods or services provided from at least one terminal, a price of the goods or services, a payment ID code of the goods or services, and at least one sales server step;
[64] Acquiring a balance stored in advance in association with the ID code specified in the information included in the ID code / price / sale server designation message;
[65] If the balance is equal to or greater than the price specified in the information included in the ID code / price / sale server designation message, updating the balance by subtracting the price from the balance previously stored in association with the ID code; And
[66] If the balance is updated, sending a payment success message including information indicating the payment success to at least one sale server specified in the information included in the ID code / price / sale server designation message.
[67] In order to achieve the above object, according to a seventh aspect of the present invention, there is provided a method for purchasing goods or services through data communication having at least one sales server and a payment server, the method comprising:
[68] Accepting input data according to a desired product or service;
[69] Sending a product / service specification message to the at least one sales server, the product / service specification message including information designating the committed product or service;
[70] Receiving a price / payment server specification message comprising information specifying at least one product or service and a payment server from at least one sales server;
[71] Accepting input data according to a payment ID code of a product or a service;
[72] Information contained in a price / payment server assignment message, including an ID code, a price specified in the information contained in the price / payment server specification message, and information specifying at least one sales server. Transmitting to a payment server specified in the.
[73] In order to achieve the above object, according to an eighth aspect of the present invention, there is provided a program for controlling a computer executing data communication having at least one terminal and a payment server, as follows:
[74] A product / service specification message receiving unit which receives a product / service specification message including information specifying desired products or services;
[75] A price obtaining unit for obtaining a price of a product or service specified in the information included in the product / service specifying message;
[76] A price / payment server specifying message transmitting unit which transmits a price / payment server specifying message including the obtained price and information specifying the payment server to at least one terminal;
[77] A payment success message receiving unit for receiving a payment success message including information indicating payment success from a payment server; And
[78] It functions as a product / service provider that provides a product or service specified in the information contained in the product / service specification message.
[79] In order to achieve the above object, according to a ninth aspect of the present invention, there is provided a program for controlling a computer, executing a data communication network having at least one terminal and a sales server, as follows:
[80] Receiving an ID code / price / sale server specifying message including information specifying goods or services provided from at least one terminal, a price of the goods or services, a payment ID code of the goods or services, and at least one sales server ID code / price / sales server designation message receiving unit;
[81] A balance acquiring unit for acquiring the balance stored in advance in association with the ID code specified in the information included in the ID code / price / sale server designation message;
[82] A balance updating unit for updating the balance by subtracting the price from the balance previously stored in association with the ID code when the balance is greater than or equal to the price specified in the information included in the ID code / price / sale server designation message;
[83] It functions as a payment success message transmitting unit that transmits a payment success message including information indicating the payment success to at least one sales server specified in the information included in the ID code / price / sale server designation message. .
[84] In order to achieve the above object, according to a tenth aspect of the present invention, there is provided a program for controlling a computer, and performs data communication with at least one sales server and a payment server, as follows:
[85] A goods / services input commissioner for accepting input data as desired among offered goods or services;
[86] A goods / services specified message transmitter for sending a goods / services specified message including information specifying the desired goods or services to the minimum sales server to a minimum sales server;
[87] A price / payment server specifying message receiving unit which receives, from at least one sales server, a price / payment server specifying message including information specifying a price of a product or service provided and a payment server;
[88] ID code input unit for accepting the input data of the payment ID code of the goods or services; And
[89] The ID code / price / sales server-specified message containing information specifying the ID code, the price specified in the information contained in the price / payment server-specified message, and the information contained in the price / payment server-specified message for at least one sales server. ID code / price / sales server specified message transmission unit for transmitting to the payment server specified in the;
[90] In order to achieve the above object, according to an eleventh aspect of the present invention, there is provided an electronic transaction comprising at least one terminal and a payment server:
[91] a) at least one terminal accepts input data of the desired offered goods or services to be provided, and transmits a goods / services specified message including information specifying the goods or services to be received to at least one sales server;
[92] b) at least one sales server receives the goods / services specified message, obtains the results of the goods or services specified in the information contained in the goods / services specified message, and includes the price obtained and information specifying the payment server; / Point to payment server that sends payment server specific message;
[93] c) the payment server sends a price / payment server specification message to at least one terminal;
[94] d) at least one terminal receives a price / payment server designation message, accepts input data of a payment ID code of a product or service, information specifying an ID code, a price / payment server designation message and at least one sales server Sending the ID code / price / sales server designation message including a to the payment server specified in the information contained in the price / payment server designation message;
[95] e) The payment server receives the ID code / price / sales server specification message, obtains the balance stored in association with the ID code specified in the information contained in the ID code / price / sales server specification message, and the balance is the ID code. A purchase confirmation window display message is sent to at least one terminal if it is equal to or greater than the price specified in the information contained in the / price / sale server specification message;
[96] f) at least one terminal receives the purchase confirmation window display message, accepts the purchase confirmation input data, and sends a purchase confirmation response message to the payment server when the purchase of the product or service is confirmed based on the input data;
[97] g) The payment server sends a purchase confirmation response message, updates the balance by subtracting the price from the balance previously stored in association with the ID code, and sends the payment success message including information indicating the success of the payment to at least one sales server. Send to;
[98] h) at least one sales server receives a first success message, sends a payment result acknowledgment message to the payment server, and provides the goods or services specified in the information contained in the goods / service specification message;
[99] i) the payment server receives the payment result receipt confirmation message, and transmits a payment completion notification message to at least one terminal;
[100] j) At least one terminal receives a payment completion notification message.
[1] 1 is an explanatory diagram showing a schematic configuration of an EDI system according to a first embodiment of the present invention.
[2] 2A and 2B are explanatory views showing the appearance of a prepaid card.
[3] 3 is an explanatory diagram showing data transmission in which a message is transmitted and received between a terminal, a sales server, and a payment server in the EDI system according to the first embodiment of the present invention.
[4] 4 is an exemplary view showing a display window for applying the purchased goods displayed on the WWW browser display screen.
[5] 5 is an exemplary view showing a display window for making a payment using a prepaid card displayed on a WWW browser display screen.
[6] 6 is an exemplary view showing a schematic configuration of a payment server.
[7] 7 is a flowchart showing the flow of processing executed by the payment server.
[8] 8 is an exemplary view showing a schematic configuration of a sales server.
[9] 9 is a flowchart showing the flow of processing executed by the sales server.
[10] 10 is an exemplary view showing a schematic configuration of a terminal.
[11] 11 is a flowchart showing the flow of processing executed by the terminal.
[12] 12 is an exemplary view showing a schematic configuration of a typical information processing apparatus used as a terminal, a sales server, and a payment server.
[13] FIG. 13 is an explanatory diagram showing data transmission between a message, a terminal, a sales server, and a payment server in an EDI system according to a second embodiment of the present invention.
[14] 14 is a flowchart showing the flow of processing executed by the payment server included in the EDI system according to the second embodiment of the present invention.
[15] 15 is a flowchart showing the flow of processing executed by the sales server included in the EDI system according to the second embodiment.
[16] FIG. 16 is an explanatory diagram illustrating a data transmission in which a message is transmitted and received between a terminal, a sales server, and a payment server in an EDI system according to a third embodiment of the present invention.
[101] First embodiment
[102] 1 is an explanatory diagram showing a schematic configuration of an EDI (Electronic Data Interchange) system according to a first embodiment of the present invention.
[103] The EDI system includes one or more terminals 121, one or more sales servers 141, and a payment server 161. Each terminal 121 is used by a user who purchases a product or uses another service. Each sales server 141 provides and manages information about the goods or services being sold. The payment server 161 pays the payment of the purchased goods or services.
[104] The terminal 121 is connected to the sales server 141 and the payment server 161 through the Internet 181.
[105] The sales server 141 is connected to the payment server 161 through a dedicated communication line 182 for security purposes. In order to establish secure communication, the sales server 141 may be connected to the payment server 161 through the Internet 181 using SSL (Secure Socket Layer) technology instead of the dedicated communication line 182. In this embodiment, the terminal 121 connects the sales server 141 and the payment server 161 using a World Wide Web (WWW) browser.
[106] The terminal 121 may connect the sales server 141 and the payment server 161 using a dedicated application program for accessing a JAVA applet that may be executed by a plug-in installed in a WWW browser or a WWW browser. A mobile phone can also be used as the terminal 121. For example, "i-mode service" provided by NTT DoCoMo uses each terminal 121.
[107] In order to purchase a product or service, users of the terminal 121 purchase a prepaid card in advance for payment. 2A and 2B are explanatory views each showing a prepaid card. The prepaid card will be described with reference to Figs. 2A and 2B.
[108] As shown in FIG. 2A, an initial amount 202 and an ID code 203 used for payment are printed on the prepaid card 201.
[109] The prepaid card 201 may be a scratch card. When the prepaid card 201 has just been purchased, the ID code 203 is covered with an opaque material on the prepaid card 201 as shown in FIG. 2B. After the user purchases the prepaid card 201, when the user scratches the surface of the card using a coin or the like, the ID code 203 is displayed.
[110] In this embodiment, in order to facilitate input of information by the user, the ID code 203 is used as a string of numbers. Then, the prepaid card 201 ID code in the form of a scratch card is regarded as a scratch number in this embodiment.
[111] Scratch numbers can include not only strings, but also alphabetic codes, various codes on the keyboard, and so on.
[112] 2A and 2B, the initial amount 202 " 2000 yen " is printed on the prepaid card 201. The user can use the prepaid card to purchase goods or services until the total amount reaches 2000 yen.
[113] The following describes a case where a user purchases a product provided by the sales server 141 from the mail order using the terminal 121.
[114] 3 is an explanatory diagram illustrating data transmission, in which messages are transmitted and received in time series from the terminal 121, the sales server 141, and the payment server 161. The data transmission will be described with reference to FIG. 3.
[115] The user connects to the sales server 141 using the WWW browser 301. Accordingly, the connected sales server 141 refers to the product price database, creates catalog information corresponding to the product provided by the sales server 141, and transmits the created information to the terminal 121.
[116] Catalog information is written in the form of Hyper Text Markup Language (HTML).
[117] 4 is an explanatory diagram showing a display window displaying catalog information on the display screen of the terminal 121.
[118] The display unit 401 loaded by the WWW browser includes a commodity area 402 showing a purchased commodity, a price area 403 of a commodity, a numeric area 404, a total amount area 405, an address area 406, and a purchase. Button 407. In particular, the numeric area 404 is an area in which the user inputs the number of goods purchased. The total amount area 405 displays the total amount of the purchased goods. The address area 406 is an area where a user enters an address of a product.
[119] If the user enters the desired number of products in the numeric field 404, the total amount is calculated by the function of the JAVA script included in the WWW browser. The calculated result is then displayed in the total amount area 405.
[120] In selecting the desired product, the user enters the address of the product provided from the mail order (mainly a residential address, etc.) in the address area 406.
[121] When the user clicks on the purchase button 407, the desired product / service 303 forms and transmits form information corresponding to the sales server 141 by the WWW browser.
[122] In order to construct the goods / service specification message, the catalog information needs a FORM tag.
[123] The FORM tag specifies POST or GET in the METHOD attribute so that a product / service specification message can be transmitted from the terminal 121.
[124] The location (URL address) of the CGI script prepared in the sales server 141 is designated as the ACTION attribute. The operation of the sales server 141 to be described below may be recognized by the CGI script.
[125] The TEXTRA tag is used for the FORM tag prepared in the numeric area 404 and the address area 406.
[126] The INPUT tag to specify the submission run uses the FORM tag as the TYPE attribute to prepare the purchase button.
[127] Assume that the sales server 141 provides only products to consumers, users, etc., and includes the following information in the product / service specification message:
[128] The number of items the user wants to purchase;
[129] The number of goods purchased by the user; And
[130] -The address of the sent goods
[131] If a service is provided, similar information is specified in the goods / services specified message. When a product / service-specific message is sent or received, it is a good idea to decode the addressing information using a security technology such as SSL technology in relation to the user's privacy.
[132] Each sales server 141 obtains information indicating the number of goods purchased from the goods / service specification message. It also refers to the price database to calculate the total amount of the product.
[133] The sales server 141 creates a transaction ID code so as not to overlap with another transaction ID code. Further, the sales server 141 stores information related to the transaction ID code, which contains the product / service specification message previously received 303 in the transaction database.
[134] In this embodiment, the transaction ID code includes ID information (registration number or contract number to the payment server) of the fan sales server 141. In such a structure, the payment server 161 can know which payment server 141 is the payment when there are a plurality of sales servers 141 with reference to the transaction ID code.
[135] The sales server 141 creates a price / payment server specification message specifying the total cost and payment server, and in particular includes the following information:
[136] Transaction ID code
[137] -Total amount; And
[138] The address of the CGI script on the payment server
[139] The above information may be included in a price / payment server designation message, which is to confirm to the user the products purchased by the user and the number thereof. In this embodiment, the above information includes a price / payment server designation message.
[140] Like the catalog information described above, the price / payment server designation message is written in HTML format, and the above information is specified as the body of the HTML document or the tag attribute.
[141] Further, the sales server 141 transmits 304 a price / payment server designation message made to the terminal 121. For example, it is preferable to use security technology such as SSL technology while data is being transmitted.
[142] When the terminal 121 receives the price / payment server designation message, various information is displayed on the display screen by the WWW browser. Fig. 5 is an explanatory diagram showing a display window displaying receipt of a price / payment server designation message.
[143] The display unit 501 loaded by the WWW browser includes a transaction ID area 502 showing a transaction ID code and a total amount area 503 showing a total amount of goods purchased. It also includes an additional information area 504 which displays the purchased goods and the number thereof.
[144] In addition, the prepaid card area 505 is prepared in the display unit 501, and the user inputs a scratch number into the prepaid card 201 used to purchase a product in the prepaid card ID area 505.
[145] When the input of the scratch number is finished, the user clicks on the purchase button 506.
[146] The ACTION attribute of the FORM tag included in the payment server specifying message corresponds to the URL of the CGI script prepared in the payment server 161. When the user clicks on the purchase button 506, an ID code / price / sale server specifying message specifying the ID code, total amount, and sales server is created by the WWW server and sent to the CGI script of the payment server 161 ( 305).
[147] The ID code / price / sales server specific message contains the following information:
[148] Transaction ID code;
[149] -Total amount; And
[150] -Scratch numbers
[151] In this embodiment, a contract number that demonstrates that the corresponding sales server 141 contains a transaction ID code is described. However, such information may be included in each message.
[152] The ID code / price / sale server specific message is sent and received using a security technology such as SSL technology for the user's privacy.
[153] In the balance database, the payment server 161 stores scratch numbers printed on the prepaid card 201 in association with the balance. When the prepaid card 201 shown in FIG. 2 is not used at all, the balance stored in the balance database is 2000 yen.
[154] The settlement server 161 receives the ID code / price / sale server designation message and acquires information indicating the scratch number from the received message. The payment server 161 then uses the scratch number as a key to refer to the balance database and check the balance of the prepaid card.
[155] What is actually stored in the balance database is not the scratch number associated with the balance, but the correspondence between the balance and the internal ID code that can be generated from the scratch number. Scratch numbers can be converted to internal ID codes, and you can check whether the input scratch number is valid or not. If the input scratch number is invalid, information indicating that the input scratch number is invalid is transmitted from the sales server 141 to the terminal 121, although not shown.
[156] The balance is compared with the total amount contained in the ID code / price / sales server specific message. If the total amount is less than or equal to the balance, the settlement is successful. The amount calculated by subtracting the total amount from the balance is recorded in the balance database for database update.
[157] Now, the payment server 161 determines which of the plurality of sales servers 141 the corresponding payment is based on the transaction ID code included in the ID code / price / sale server designation message. Then, the payment server 161 composes a payment success message and transmits the created message to the determined sales server 141. This payment success message includes:
[158] Transaction ID code; And
[159] Information indicating payment success.
[160] The payment success message may be transmitted and received using the SSL technology through the Internet 181. However, the payment success message may be transmitted and received using the dedicated communication line 182, thereby increasing the security of the payment.
[161] If the payment is successful, the payment server 161 transmits information indicating that the payment is completed to the user terminal 121 (307). The user can output the transmitted information, or memorize the information in the form of a file, and memoize the purchase of the product related thereto.
[162] On the other hand, if the transaction is not successful, i.e., if the balance is not enough to purchase the goods, the payment server 161 informs the user's terminal that the payment was not successful. At this time, when another prepaid card 201 is added, it is desirable to transmit information in HTML format in which an input area for inputting the ID code 203 of the prepaid card 201 is added and the purpose of purchase is possible. Do.
[163] When the user prepares another prepaid card 201, the balance of the previous prepaid card 201 and the balance of the other prepaid card 201 are summed up, and the above-described processing is executed again.
[164] Upon receipt of the payment success message, the sales server 141 acquires a transaction ID code, and acquires information displayed in correspondence with the product number, the number of products purchased, and the destination of the product from the transaction database. The sales server 141 then sends 308 the number of merchandise to the address.
[165] Therefore, in the present embodiment, the payment server 161 may check the transaction ID code and identify which of the sales server 141 is related thereto. Only the sales server 141 is sufficient to manage the form of the number and unit price of the purchased goods purchased goods. It is not necessary to maintain the payment server 161 and manage the above information.
[166] The sales server 141 examines the transaction ID code to know which and how many products were purchased for each user, and how much the unit price and total amount of the products each user purchased.
[167] Accordingly, the sales server 141 may freely modify, update, or change the order or price of the goods. Unlike the EDI system using the prepaid card, in the present embodiment, the payment server 161 does not need to notify the payment server 161 of the contents of the product alignment or the price correction, update, and change.
[168] As described above, the information representing the goods and the address purchased by the user may be shared only between the user's terminal 121 and the sales server 141 without the payment server 161. Thus, the privacy of the user can be further protected.
[169] Information in which the scratch number input by the user from the terminal 121 is displayed may not be transmitted to the sales server 141. In this structure, even if a malicious sales server 141 exists, the balance of the prepaid card 121 owned by the user can be protected.
[170] In this embodiment, the goods are later sent to the user by mail-order. However, the user enters the user's e-mail address, and registers for operating digital content (data files such as various application programs, image files, audio files, database files, and trial versions) as the purchase version program in the e-mail address. Number information, etc.) may be adopted.
[171] Hereinafter, each configuration of the payment server, the sales server, and the terminal will be described in detail. In the following description, in order to facilitate understanding of the principles of the present invention, descriptions of appropriate value checking processing, error processing, and the like are omitted, but embodiments including these checking and error coping are also included in the scope of the present invention.
[172] 6 is an explanatory diagram showing a schematic configuration of a payment server 161 included in an EDI system according to the present invention. Fig. 7 is a flowchart showing the flow of processing executed by the payment server 161 when the message described above is transmitted.
[173] As shown in FIG. 6, the payment server 161 includes an ID code / price / sale server designation message receiver 601, a balance acquisition unit 602, a balance update unit 603, and a payment success message transmitter 604. do.
[174] The ID code / price / sale server designation message receiving unit 601 receives the terminal 121 from the ID code / price / sale server designation message (step S701).
[175] The ID code / price / sales server designation message includes the following information.
[176] Desired product or service (in this embodiment, the information is specified in a transaction ID code)
[177] The price, or sum, of the desired goods or services;
[178] ID code of the desired product or service (in this embodiment, the information is specified in the transaction ID code).
[179] Sales server 141 (in this embodiment, the information is specified in the transaction ID code).
[180] The balance acquiring unit 602 confirms whether the ID code for payment is valid (step S702). If the ID code is not valid (step S702 is NO), the balance acquiring unit 602 informs the terminal 121 that the ID code is invalid.
[181] If the ID code is valid (step S702 is YES), the balance acquiring unit 602 assigns the payment ID code (scratch number) to the internal ID code in order to obtain the payment internal ID code (scratch number) corresponding to the prepaid card 201. Change). Then, the balance acquiring unit 602 acquires the balance stored in advance in the balance database 621 in association with the internal ID code (step S705).
[182] The balance updating unit 603 checks whether the acquired balance is equal to or greater than the total amount (step S706). If the acquired balance is smaller than the total amount (step S706 is NO), the balance updating unit 603 notifies the terminal 121 that the acquired balance is smaller than the total amount of the product (step S707).
[183] On the contrary, if the acquired balance is equal to or greater than the total amount (step S706 is YES), the balance updating unit 603 is associated with the internal ID code obtained from the ID code (scratch number) in order to update the balance database 621. The total amount is then subtracted from the balance previously stored in the balance database 621 (step S708).
[184] The payment success message transmitter 604 transmits a payment success message including information indicating payment success to the sales server 141 specified in the transaction ID code (step S709).
[185] At this time, the payment success message transmitter 604 transmits the information indicating the payment success to the terminal 121 (step S710).
[186] 8 is an explanatory diagram showing a schematic configuration of the sales server 141 included in the present embodiment. 9 is a flowchart showing the flow of processing executed by the sales server 141 when the above-described message is transmitted.
[187] The sales server 141 included in the EDI system according to the present embodiment includes a product / service designation message receiver 801, a price acquisition unit 802, a price / payment server designation message transmitter 803, and a payment success message receiver 804. ), And a product / service providing unit 805.
[188] The product / service designation message receiving unit 801 receives a product / service designation message from the terminal 121 (step S901). This product / service specification message includes the information (in this embodiment, the code of the purchased product and the number of products) designating the desired offered product or service as above.
[189] The price acquisition unit 802 refers to the price database 821 using the product code of the product designated as the key (step S902), and calculates the total number of goods or services based on the number of items purchased and the price database 821. Calculate (step S903).
[190] The transaction ID code preparation unit 831 creates a single transaction ID code (step S904), and stores a transaction database (in relation to information indicating the product number, the number of purchased products, the total amount thereof, and the destination of the purchased product). The transaction ID code created at 841) is stored (step S905).
[191] The price / payment server specifying message transmitter 803 transmits a price / payment server specifying message to the terminal 121. The price / payment server specific message contains the following information:
[192] The price obtained, ie the total amount of goods purchased; and
[193] Information specifying the payment server (information specified in the ACTION attribute of the FORM tag).
[194] In this embodiment, the price / payment server specification message includes information such as a transaction ID code.
[195] The payment success message receiving unit 804 receives a payment success message including the information indicating the payment success from the payment server 161 (step S906). In this embodiment, the payment success message includes information such as a payment ID code.
[196] The product / service provider 805 refers to the transaction database 841 using the transaction ID code specified in the payment success message as a key. Thereafter, the product / service providing unit 805 may display information in which the product or service specified in all of the information included in the product / service designation message transmitted from the terminal 121, the number of purchased products, the destination of the product, and the like are displayed. Is obtained (step S907).
[197] Finally, the goods / services providing unit 805 provides the number or services of goods to the transfer destination (step S908).
[198] 10 is an explanatory diagram showing a schematic configuration of a terminal 121 included in the EDI system of the present embodiment. 11 is a flowchart showing the flow of processing performed by the terminal 121 when the above-described message is transmitted.
[199] In this embodiment, the terminal 121 is a product / service input receiving unit 1001, a product / service designation message transmitter 1002, a price / payment server designation message receiving unit 1003, ID code input receiving unit 1004, and ID code / Price / sale server designation message transmitter 1005.
[200] The product / service input receiving unit 1001 receives a product / service designation message to the sales server 141 (step S1101).
[201] The product / service designation message transmitter 1002 transmits the received product / service designation message to the sales server 141 (step S1102).
[202] Further, the price / payment server specifying message receiving unit 1003 receives the price / payment server specifying message from the sales server 141 (step S1103). As described above, the price / payment server specifying message includes the total amount and information according to the payment server 161.
[203] The ID code input receiving unit 1004 receives input data indicating an ID code (scratch number) that has been paid for the purchased goods or services purchased (step S1104). In this embodiment, the scratch number is printed on the prepaid card 201.
[204] The ID code / price / sale server designation message transmitting unit 1005 creates an ID code / price / sale server designation message including the above information, and sends the message created to the payment server 161 specified in the price / payment server message. (Step S1105).
[205] In this way, the application of the purchase of goods and services and the settlement of payment are performed. Thereafter, information indicating successful payment is sent to the user, and the digital content is sent to the user in the form of an e-mail, in which the user receives a desired product.
[206] 12 shows a schematic configuration of an information processing device (general computer, various terminals, portable terminals, mobile phones, dedicated devices such as game machines, etc.) that functions as a terminal 121, a sales server 141, and a payment server 161. It is explanatory drawing.
[207] The information processing apparatus 1201 operates under the control of a central processing unit (CPU) 1202. The power is supplied to the information processing apparatus 1201, and the CPU 1202 executes an IPL (Initial Program Loader) stored in a ROM (Read Only Memory) 1203.
[208] An IPL is the same as a hard disk (HD) 1204, a floppy disk (1201) installed in an FD drive (FDD), or a CD-ROM (1211) installed in a compact disk ROM (CD-ROM) drive (CDD). A program that reads and executes an OS (Operating System) program stored in a recording medium.
[209] After starting the OS, the CPU 1202 responds to the user's instruction input by the keyboard 1205, the mouse 1206, or the like, or in accordance with the contents of a setting file previously recorded in the hard disk 1204. Run the application program stored in
[210] The WWW browser application is executed in the terminal 121, and the Web server application is executed in the sales server 141 or the payment server 161, respectively.
[211] An information processing apparatus of a small size, such as a mobile terminal, may function as an application program that is an OS itself.
[212] When the program is executed, the CPU 1202 uses a random access memory (RAM) 1207 as an instantaneous operating memory area. Registers or caches (not shown) contained within the CPU 1202 are also used as instantaneous operating memory regions.
[213] While the program is running, the CPU 1202 shows the processed information on the display device 1208 such as a liquid crystal display or a cathode ray tube (CRT) to show the information to the user. In operation of the mouse 1206, the mouse 1206 is moved to move the cursor shown by the user on the display. Then, the user clicks the mouse 1206 to select the product indicated by the cursor.
[214] The information processing apparatus 1201 executes data communication via a computer communication network such as the Internet 181 or a dedicated communication line 182 using an interface 1209 such as a network interface card (NIC) or the like.
[215] Second embodiment
[216] In the above embodiment, the merchandise is sent to the user who purchased the merchandise in a mail order or electronic mail format. However, in this embodiment, the goods or services are provided to the user through the WWW browser.
[217] As described in the above embodiment, the data communication between the terminal 121 and the sales server 141 or the payment server 161 uses HTTP (Hyper Text Transfer Protocol) technology or HTTPS with security (HTTP with Security). Through the WWW browser.
[218] When data communication is performed using the WWW browser and communication protocol technology, the sales server 141 and the payment server 161 cannot transmit information to the terminal 121 unless there is a request from the terminal 121.
[219] In the above embodiment, the user provides goods or services from the sales server 141 by using a physical transportation method (mail, courier, etc.) or an e-mail different from the HTTP technology.
[220] As will be described below, according to the second embodiment, the user of the terminal 121 can purchase goods or services by the WWW browser, and can make payment.
[221] Since the operations of the transmission / reception 301 to 306 of each message shown in FIG. 3, and the operations of the terminal 121, the sales server 141, and the payment server 161 accompanying them are the same in the present embodiment, the description and illustration will be appropriately described below. Omit.
[222] FIG. 13 is an explanatory diagram showing data transmission in which a message is transmitted and received between the terminal 121, the sales server 141, and the payment server 161. For ease of explanation, the process of transmitting and receiving the same message described in the first embodiment is not shown in FIG.
[223] FIG. 14 is a flowchart showing the flow of processing executed by the payment server 161 when a message is transmitted and received as in FIG.
[224] FIG. 15 is a flowchart showing the flow of processing executed by the sales server when a message is transmitted and received as in FIG.
[225] When the user connects to the sales server 141 using the terminal 121 and applies for the desired provided goods or services, the sales server 141 terminal for the total amount of the requested products or services and the URL of the payment server 161. (121). The terminal 121 transmits a scratch number to the payment server 161. If the payment is successful, the payment server 161 transmits a payment success message to the sales server 141 as shown in Figs. 13 and 14 (306, step S1401).
[226] Upon receipt of the payment success message from the payment server 1610, the sales server 141 acquires the transaction ID code included in the message, updates the transaction database, and records information indicating the settlement completion corresponding to the transaction ID code.
[227] As in the above embodiment, the payment server 161 acquires a transaction ID code and simultaneously transmits a payment success message.
[228] The payment server 161 uses the transaction ID code to determine the location of the CGI script for the sales server 141 corresponding to the payment to perform a product or service (for example, to enable the download of digital content). The URL indicated is obtained (step S1402). The transaction ID code includes information according to the sales server 141 described above. For example, if the URL is registered in advance in the payment server, the payment server 161 can easily obtain the URL.
[229] In this embodiment, the sales server 141 transmits a price / payment server designation message to the terminal 1210, and the terminal 121 transmits an ID code / price / sale server designation message to the payment server 161. In the meantime, the information about the transaction ID code is transmitted from the sales server 141 to the payment server 161. The flow of the message is transmitted to the goods / services provided from the sales server 141 to the payment server 161. Corresponds to the transmission of a product / service location designation message specifying a URL for a.
[230] After the payment success message is sent from the payment server 161 to the sales server 141, the sales server 141 acknowledges the arrival of the payment success message through the dedicated communication line 182 to send the transaction ID code to the payment server 161. You can send a product / service location message that you included.
[231] Then, the payment server 161 creates a goods / service location notification message containing the following information (step S1403):
[232] A URL providing the desired product or service (generally a URL specifying the address of the WWW site of the sales server 141); and
[233] -Transaction ID code.
[234] The settlement server 161 transmits the created goods / service location notification message to the terminal 121 (1301, step S1404). This message corresponds to the transmission 307 of information indicating the settlement success of the first embodiment.
[235] The HTTP technology is based on a model in which a response is sent from the WWW server to the terminal in response to a request sent from the terminal to the WWW server. However, there is a way for the requested WWW server to delegate the response to another WWW server. This can be reloaded or server redirected.
[236] In the reload, when the WWW browser of the terminal 121 receives the information in the HTTP document format, the URL specified by the REFRESH attribute of the META tag in the information is automatically selected as a new display target.
[237] In the server redirection technology, a URL for providing a product or service as LOCATION: information at the head of an HTTP packet and a transaction ID code passed as a parameter to the CGI script may be specified.
[238] In addition, when the acquisition button displayed on the WWW browser screen is clicked using the FORM tag as described above, various types of information may be notified to the CGI script of the URL for providing the product or service.
[239] In this case, the ACGI attribute of the FORM tag may specify the CGI script DML URL of the sales server 141 which provides the goods or services, and specify the transaction ID code as a parameter transmitted by the postal method.
[240] In this way, the terminal 121 receiving the goods / service location notification message notifies the sales server 141 of the transaction ID code in accordance with the information specified therein (1302).
[241] The sales server 141 receives the transaction ID code notified from the terminal 121 (step S1501), and confirms whether or not the payment was successful with the transaction ID code (step S1502).
[242] If successful (if step S1502 is YES), the transaction ID code is checked for the number of goods or services corresponding to the transaction ID code (step S1503), and the corresponding product or the like (digital content) is sent to the WWW browser of the terminal 121. It sends (1303, step S1504).
[243] For example, when the digital content is various document files, image files, Portable Document Format (PDF) files, or the like, the digital content is displayed directly on the WWW browser of the terminal 121.
[244] In the case of digital content such as music, voice, or movie, the digital content is played in the multimedia plugin provided by the WWW browser.
[245] If it is not successful (step S1502 is NO), for example, the payment specified in the corresponding payment ID code in the sales server 1410 is not yet received from the payment server 161, or the payment success message has not arrived. If not, an error notification indicating that a product or the like cannot be provided is transmitted to the terminal 121 (step S1505).
[246] In this embodiment, the user does not need to designate a destination of a product or a service when purchasing digital content from the terminal 121. This is because the product or service is provided only through the WWW browser. Therefore, the user's privacy can be further protected in the purchase of goods.
[247] In this embodiment, it is also preferable to use a security technique such as an SSL technique as appropriate.
[248] In the first and second embodiments described above, an input format for inputting a scratch number is created by the sales server 141. Thus, the style or design of the scratch number input format may be changed on the sales server 141 side. However, the input format is often desired to be collectively performed by the settlement server 161.
[249] Furthermore, data communication may be desired through the Internet, which is widely used. In this case, the user of the terminal 121 may not want to show the communication between the sales server 141 and the payment server 161 as possible.
[250] This embodiment can cope with such a situation by applying the above server redirection technique.
[251] FIG. 16 is an explanatory diagram showing data transmission in which a message is transmitted and received through the Internet between the terminal 121, the sales server 141, and the payment server 161. More simply, the same processing described in the above embodiment is not described repeatedly in this embodiment.
[252] The user operates the terminal 121 to operate the WWW browser, accesses the sales server 141, and goes to the WWW window to select a purchased product (1601). The sales server 141 then transmits 1602 an HTTP packet displaying a window showing a list of merchandise.
[253] The user selects a desired product from the list window displayed by the WWW browser of the terminal 121 and clicks the purchase button. Next, a message that the user wants to purchase the product is displayed on the sales server 141 (1603).
[254] The sales server 141 determines whether the product is properly selected. If there is no problem here, the sales server 141 creates a payment request message (1604).
[255] The sales server 141 then transmits the created message to the payment server 161 using server redirection technology (1605).
[256] Upon receipt of the payment request message from the sales server 141, the payment server 161 confirms the contents of the message. If there is no problem here, the payment server 161 makes a payment (1606).
[257] Thereafter, the payment server 161 transmits the HTTP packet to the terminal 121 to input the scratch number (1607).
[258] When the user of the terminal 121 selects a desired product through the processes 1604 to 1607, an input window for inputting a scratch number may be displayed. That is, the sales server 141 sets the payment server 161 on behalf of the sales server 141 to transmit an HTTP packet for display on the display window for inputting the scratch number.
[259] The user of the terminal 121 enters the scratch number (1608), and transmits the input information to the payment server 161 (1609), the payment server 161 confirms whether the scratch number is valid, and corresponds to the scratch number Check the remaining balance (1610).
[260] In addition, the payment server 161 transmits an HTTP packet to the terminal 121 to confirm whether the user purchases the product (1611).
[261] When the user confirms the purchase of the product using the terminal 121 (1612), the purchase confirmation message is transmitted to the payment server 161 (1613).
[262] The settlement server 161 executes a process to update the balance (1614), and notifies the sales server 141 of the successful payment (1615).
[263] The sales server records the payment result (1616) and transmits confirmation information indicating the payment result in which the payment result is received by the payment server 161 (1617).
[264] Upon receiving the confirmation information, the payment server 161 transmits an HTTP packet (payment completion information) indicating the payment completion confirmation window confirming the payment completion to the terminal 121 (1618).
[265] Next, the terminal 121 displays a window showing the completion of payment (1619).
[266] The server redirection technique is used to exchange processing between the sales server 141 side and the payment server 161 side during the processing of steps 1614 to 1618. Thus, the user of the terminal 121 shows the data transmission through the steps 1614 to 1618 as a payment completion window for confirming the purchase of goods.
[267] The confirmation information indicating receipt of the payment result includes information indicating a URL for providing digital content or information indicating digital content provided to a user. The payment server 161 includes an HTTP packet (payment completion information) to display the information included in the payment completion confirmation window. This recognizes that the user acquires a desired product (digital content) upon completion of payment.
[268] Therefore, in the present embodiment, the payment server 161 displays a structure of an input format for inputting a window for checking whether a user purchases a product or a scratch number required for payment. The payment server 161 is displayed on the terminal 121. Set to manage the input format.
[269] The use of intrusted network and server redirection technology seems that the sales server 141 and the payment server 161, in which the user of the terminal 121 actually manages each information independently, work together to move together. . That is, data transmission executed between the sales server 141 and the payment server 161 may be hidden from the user of the terminal 121.
[270] Processes and processes executed between the sales server 141 and the payment server 161 included in the EDI system of the present embodiment are recognized using various WWW server technologies using CGI scripts or servlets as well as database technologies using SQL databases. .
[271] Product information, product price information, and information indicating whether the sales server 141 is valid are transmitted between the sales server 141 and the payment server 161. In order to establish data transmission while maintaining security, it is preferable to use public key cryptography, shared key cryptography, one-way hash function, cyclic redundancy check (CRC), checksum, and the like.
[272] In the above description, the process or process is recognized by the existing WWW browser in the terminal. However, commercially available software can be installed and used in a terminal to execute a process or a process.
[273] As described above, an electronic transaction system, a sales server, a payment server, a terminal, a sales method, a payment method, a purchase method, and the most suitable for an electronic transaction that easily manages a product or a service to be prevented from leaking personal information by the present invention. A computer readable information recording medium having recorded thereon a program for realizing these can be provided.

权利要求:
Claims (30)
[1" claim-type="Currently amended] The terminal 121, the sales server 141, and the payment server 161 and includes:
a) the terminal 121
Receive input data according to desired offers or services,
Send a merchandise / service specification message to the sales server 141 including information specifying a desired offer product or service;
b) the sales server 141
Receive a goods / services specified message,
Obtain the price of the specified form or service from the information contained in the product / service specification message;
Send a price / payment server designation message including the obtained price and information designating the payment server to the terminal 121;
c) the terminal 121 is
Receiving a price / payment server designation message from the sales server 141,
Receive input data representing an ID code for a product or service,
The ID code to the payment server 161 specified in the information included in the price / payment server designation message, the price specified in the information included in the price / payment server designation message, and the ID code to designate the sales server 141. Send a price / sale server specification message;
d) the payment server 161 is
Receive the ID code / price / sales server designation message,
Acquire a balance stored in advance in association with the ID code specified in the information included in the ID code / price / sale server designation message;
If the obtained balance is equal to or greater than the price specified in the information included in the ID code / price / sales server designation message, d1) update the balance after deducting the price from the balance previously stored in association with the ID code. D2) transmitting a payment success message including information indicating payment success to the sale server 141 specified in the information included in the ID code / price / sale server designation message; And
e) the sales server 141
Receive the payment success message;
And provide the product or service specified in the information including the product / service specification message.
[2" claim-type="Currently amended] The method of claim 1,
The sales server 141 controls the payment server instead of sending the price / payment server specifying message to the terminal 121 to send the price / payment server specifying message to the terminal 121. An electronic trading system characterized by the above.
[3" claim-type="Currently amended] The method of claim 1,
The sales server 141 includes in the price / payment server specifying message information specifying the product or service specified in the information included in the product / service specifying message;
The terminal 121 includes in the ID code / price / sale server designation message information specifying designation of goods or services specified in the information included in the price / payment server designation message;
The payment server 161 includes in the payment success message information specifying designation of goods or services specified in the information included in the ID code / price / sale server designation message; And
And the sales server (141) acquires a product or service specified in the information included in the product / service specification message from the information specifying the product or service specified in the payment success message.
[4" claim-type="Currently amended] The method of claim 1,
The price / payment server designation message is encrypted by the sales server (141) and decrypted by the terminal (121).
[5" claim-type="Currently amended] The ID code / price / sale server designation message is encrypted by the terminal (121) and decrypted by the payment server (161).
[6" claim-type="Currently amended] The method of claim 1,
The product / service designation message, the price / payment server designation message, the payment success message, the ID code / price / sale server designation message are transmitted via a computer communication network, particularly the Internet 181. .
[7" claim-type="Currently amended] The method of claim 1,
The sales server 141 provides the terminal 121 having the goods or services specified in the information included in the goods / service specification message:
f) the sales server 141 sends to the payment server 161 a goods / service location designation message containing information specifying goods or services;
g) the payment server 161 receives a goods / service location designation message from the sales server 141,
Send a goods / service location notification message including information specifying the location of goods or services specified in the information included in the goods / service location designation message; And
h) the terminal 121 receives the goods / service location notification message,
And obtaining a product or a service from a location specified in the information included in the product / service location notification message.
[8" claim-type="Currently amended] The method of claim 7, wherein
The goods / service location notification message is encrypted by the payment server and decrypted by the terminal.
[9" claim-type="Currently amended] The method of claim 7, wherein
The goods / service location notification message is transmitted via a computer communication network, in particular via the Internet (181).
[10" claim-type="Currently amended] The method of claim 9,
Either or both of the goods / service specification message and the ID code / price / sale server specification message are transmitted by POST or GET method for URL (Unifrom Resource Locator) or CGI (Common Gateway Interface). Electronic trading system, characterized in that.
[11" claim-type="Currently amended] Terminal 121, the sales server to communicate with the payment server 161:
A product / service designation message receiving unit 801 which receives a product / service designation message including information designating a desired offer product or service from the terminal;
A price obtaining unit (802) for obtaining a price of a designated product or service included in the product / service specification message;
A price / payment server designation message transmitter 803 for transmitting a price / payment server designation message including the obtained price and information for designating the payment server 161 to the terminal 121;
A payment success message receiving unit 804 for receiving a payment success message including information indicating payment success from the payment server 161; And
And a product / service providing unit (805) for providing a product or service specified in the information included in the product / service specification message.
[12" claim-type="Currently amended] The method of claim 11,
In order to transmit the price / payment server designation message to the terminal 121, instead of transmitting the price / payment server designation message to the terminal 121, the payment server 161 is controlled. Sales server (141).
[13" claim-type="Currently amended] The method of claim 11,
If the goods or services are specified in the information contained in the goods / services designation message, goods / services location to send a goods / services location designation message containing information specifying the location of goods or services to the payment server 161 The sales server 141, characterized in that it comprises a designated message.
[14" claim-type="Currently amended] As a sales server executing data communication between the terminal 121 and the sales server 141:
ID code / price for receiving from the terminal 121 an ID code / price / sales server specifying message including a product or service, a price of the product or service, a payment ID code of the product or service, and a selling means 161. / Sales server designation message receiving section 601;
A balance acquiring unit 602 for acquiring a balance stored in advance in association with the ID code specified in the information included in the ID code / price / sale server designation message;
If the balance is equal to or greater than the price specified in the information included in the ID code / price / sales server designation message, the balance updating unit 603 for updating the balance by subtracting the price from the balance previously stored in association with the ID code. ; And
When the balance is updated, the payment success message transmitting unit 604 which transmits a payment report message including information indicating the payment success to the sales server 141 specified in the information included in the ID code / price / sale server designation message. Payment server 161, characterized in that it comprises a.
[15" claim-type="Currently amended] The method of claim 14,
And further comprising a price / payment server specifying message transmitting agent for transmitting a price / payment server specifying message including a price and information specifying the payment server 161 from the sales server 141 to the terminal 121. Payment server 161, characterized in that.
[16" claim-type="Currently amended] The method of claim 14,
A goods / service location specifying message receiving unit for receiving a goods / service location specifying message including information specifying the location of goods or services from the sales server 141; And
And a product / service location notification message for transmitting a product / service location specifying message including information specifying the location of the product or service specified in the product / service location specifying message to the terminal 121. Billing server 161.
[17" claim-type="Currently amended] To the terminal performing data communication with the sales server 141 and the payment server 161:
A product / service input acceptor 1001 accepting input data according to a desired offer product or service;
A goods / service specification message transmitter 1002 for transmitting a goods / service specification message including information specifying the commissioned goods or services to the sales server 141;
A price / payment server specifying message receiving unit 1003 for receiving a price / payment server specifying message including a price of the product or service and information specifying the payment server 161;
ID code input unit 1004 for accepting the input data of the payment ID code for the goods or services; And
The price / payment server designation message includes the ID code, the price specified in the information included in the price / payment server designation message, and the ID code / price / sales server designation message included in the information designating the sales server 141. Terminal (121), characterized in that it comprises an ID code / price / sales server designation message transmission unit (1005) to send to the payment server (161) specified in the information contained in.
[18" claim-type="Currently amended] 18. The apparatus of claim 17, further comprising: a goods / service location notification designation message receiving unit for receiving a goods / service location notification designation message including information designating the location of goods or services from the payment server (161); And
And a product / service acquisition unit for acquiring a product or a service from the location of the product or service specified in the information included in the product / service location notification designation message.
[19" claim-type="Currently amended] A sales method for selling a product through a data communication to a terminal and a payment server:
Receiving, from the terminal, a goods / service specification message containing information designating a desired offer product or service;
Transmitting a price / payment server designation message including the obtained price and information for designating the payment server to the terminal;
Transmitting a payment success message from the payment server including information indicating the payment success; And
And providing a product or service specified in the information included in the product / service specification message.
[20" claim-type="Currently amended] The method of claim 19,
And in the step of transmitting the price / payment server designation message, the payment server controls the price / payment server designation message to the terminal instead of transmitting the price / payment server designation message to the terminal.
[21" claim-type="Currently amended] The method of claim 19,
If a product or service specified in the information including the product / service designation message is provided to the terminal, transmitting a product / service location designation message including information specifying the location of the product or service to the payment server; Sales method characterized in that it further comprises.
[22" claim-type="Currently amended] As a payment method for executing payment through data communication between the terminal and the sales server:
Receiving from the terminal an ID code / price / sale server specifying message including a product or service provided, a price of the product or service, a payment ID code of the product or service, and information specifying the sales server;
Acquiring a balance stored in advance in association with the ID code specified in the information included in the ID code / price / sale server designation message;
If the balance is equal to or greater than the price specified in the information included in the ID code / price / sale server designation message, updating the balance by deducting the balance from the balance previously stored in association with the ID code; And
And when the balance is updated, transmitting a payment success message including information indicating the payment success to the sales server specified in the information included in the ID code / price / sale server designation message. Way.
[23" claim-type="Currently amended] The method of claim 22,
And transmitting a price / payment server designation message including information specifying a price and a payment server to execute the payment method on behalf of the sales server.
[24" claim-type="Currently amended] The method of claim 22,
Receiving from the sales server a goods / service location designation message comprising information specifying the location of goods or services; And
And transmitting a goods / service location notification message including information specifying the location of goods or services specified in the information included in the goods / service location designation message to the terminal.
[25" claim-type="Currently amended] To purchase a merchant or service through data communication with a sales server and a payment server:
Accepting input data according to a desired product or service;
Sending a goods / service specification message to the sales server that includes information designating the committed product or service;
Receiving, from the sales server, a price / payment server specifying message including a price of a product or a service and information specifying a payment server;
Accepting pressure data according to a payment ID code of a product or service; And
An ID code / price / sales server specifying message including the ID code, a price specified in the information included in the price / payment server specifying message, and information specifying the sales server, included in the price / payment server specifying message. And transmitting to the payment server specified in the information.
[26" claim-type="Currently amended] The method of claim 25,
Receiving a price / service location notification message containing information specifying the location of goods or services from the payment server; And
And acquiring a product or service from a location of the product or service specified in the information included in the product / service location notification message.
[27" claim-type="Currently amended] As a recording medium for controlling the computer and performing data communication between the terminal and the payment server:
A product / service specification message receiving unit for receiving a product / service specification message including information specifying a desired product or service;
A price obtaining unit for obtaining a price of a product or service specified in the information included in the product / service specifying message;
A price / payment server designation message transmission unit for transmitting a price / payment server designation message including the obtained price and information for designating the payment server to the terminal;
A payment success message receiving unit which receives a payment success message including information indicating the payment success from the payment server; And
And a product / service providing unit that provides a product or a service specified in the information included in the product / service designation message.
[28" claim-type="Currently amended] As an information recording medium for controlling the computer and performing data communication between the terminal and the sales server:
Receive from the terminal an ID code / price / sales server designation message including a product or service provided from the terminal, a price of the product or service, a payment ID code of the product or service, and information specifying the sales server. ID code / price / sales server designation message receiving unit;
A balance acquiring unit for acquiring a balance stored in advance in association with the ID code specified in the information included in the ID code / price / sale server designation message;
A balance updating unit for updating the balance by subtracting the price from the balance previously stored in association with the ID code when the balance is equal to or greater than the price specified in the information included in the ID code / price / sale server designation message; And
And when the balance is updated, a payment success message transmitting unit for transmitting a payment success message including information indicating payment success to the sale server specified in the information included in the ID code / price / sale server designation message. Information recording medium.
[29" claim-type="Currently amended] As an information recording medium for data communication between the sales server and the payment server, and to control the computer:
A product / service input commissioner for accepting input data according to a desired offer or service;
A goods / service designation message transmission unit for transmitting a goods / service designation message including information specifying the desired goods or service to the sales server;
A price / payment server specifying message receiving unit for receiving a price / payment server specifying message including a price of a provided product or service and information specifying the payment server from the selling server;
ID code input unit for accepting the input data of the payment ID code of the goods or services; And
An ID code / price / sales server specifying message including an ID code, a price specified in the information included in the price / payment server specifying message, and information specifying the sales server, is added to the information included in the price / payment server specifying message. An information recording medium characterized by the function of transmitting an ID code / price / sale server designation message to the designated payment server.
[30" claim-type="Currently amended] And includes a terminal, a sales server, and a payment server:
a) the terminal,
Accept the input data for the desired offer or service,
Send a goods / service designation message containing information specifying the commissioned goods or services to the sales server;
b) the sales server,
Receive a goods / services specified message,
Acquire a product or service specified in the information included in the product / service specification message;
Pointing to the payment server for sending a price / payment server specifying message including the obtained price and information specifying the payment server;
c) the payment server sends a price / payment server designation message to the terminal;
d) the terminal,
Receive the price / payment server specification message,
I assume input data of the payment ID code of the product or service
Information contained in the price / payment server specifying message, an ID code / price / sale server specifying message including an ID code, a price specified in the information included in the price / payment server specifying message, and information specifying the sales server; Send to the payment server specified in.
e) the payment server,
Receiving the ID code / price / sales server designation message,
Acquire a balance stored in advance in association with the ID code specified in the information included in the ID code / price / sales server designation message;
If the balance is greater than or equal to the price specified in the information included in the ID code / price / sales server designation message, sending a purchase confirmation window display message to the terminal;
f) the terminal,
Receive the purchase confirmation window display message;
Import purchase confirmation input data,
If a purchase of goods or services is confirmed based on the input data, send a purchase confirmation response message to the payment server;
g) the payment server
Send the purchase confirmation response message,
Renew the balance by subtracting the price from the balance previously stored in relation to the ID code,
Sending a payment success message including information indicating payment success to the sales server;
h) the sales server
Receive the payment success message,
Send a payment result receipt confirmation message to the payment server;
Providing the goods or services specified in the information included in the goods / service designation message,
i) the payment server
Receive the payment result receipt confirmation message,
Send a payment completion notification message to the terminal;
j) the terminal
And receiving the payment completion notification message.

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同族专利:

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公开号 | 公开日

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TWI228670B|2005-03-01|

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SG104944A1|2004-07-30|

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JP3494971B2|2004-02-09|

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AU785482B2|2007-09-20|

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AU7828801A|2002-04-11|

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JP2002117242A|2002-04-19|

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US20060036509A1|2006-02-16|

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EP1274025A1|2003-01-08|

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HK1049388A1|2003-05-09|

---

US20020042759A1|2002-04-11|

---

KR100612900B1|2006-08-16|

---

CN1367450A|2002-09-04|

引用文献:

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公开号 | 申请日 | 公开日 | 申请人 | 专利标题

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法律状态:
2000-10-10|Priority to JPJP-P-2000-00308609

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2000-10-10|Priority to JP2000308609A

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2001-10-10|Application filed by 가부시키가이샤 웹머니

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2002-04-17|Publication of KR20020028819A

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2006-08-16|Application granted

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2006-08-16|Publication of KR100612900B1

优先权:

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申请号 | 申请日 | 专利标题

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JPJP-P-2000-00308609|2000-10-10|

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JP2000308609A|JP3494971B2|2000-10-10|2000-10-10|Electronic transaction system, sales server, payment server, sales method, payment method, and information recording medium|