Electronic commerce system and electronic commerce method
First Claim
1. An electronic commerce system for dealing at least one product, said system comprising a purchaser system, a seller system and a settlement system, and wherein said seller system creates ordering data including purchaser information specifying at least one purchaser and information specifying the at least one product to be purchased, and sends the created ordering data to said purchaser system through an electronic medium, said purchaser system attaches, to the ordering data, purchaser ID (identification) information which has been provided from a settlement agency to said at least one purchaser in advance, and sends the ordering data with the purchaser ID information attached thereto to said settlement system through an electronic medium, and said settlement system determines whether to pay a predetermined amount of money for the at least one product to a seller for said at least one purchaser, based on the ordering data and purchaser ID information sent from said purchaser system, and sends information specifying the at least one purchaser and the product to be purchased and also settlement permission information representing to said seller system through an electronic medium.
1 Assignment
0 Petitions
Accused Products
Abstract
A message, including ordering data regarding a price of a product that a purchaser wants to purchase and personal information including a credit card number of the purchaser, is given to a settlement agency computer from a purchaser computer used by the purchaser. The settlement agency computer determines whether to pay for the product for the purchaser, based on the ordering data and the personal information. In a case where it is determined to pay for the product for the purchaser, the settlement agency computer sends settlement permission information representing that payment can be made for the purchaser, to a seller computer used by a seller, while keeping the credit card number to be confidential. Hence, before delivering the product to the purchaser, the settlement is completed, and the credit card number of the purchaser is kept secret from the seller.
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Citations
55 Claims
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1. An electronic commerce system for dealing at least one product, said system comprising a purchaser system, a seller system and a settlement system, and
wherein said seller system creates ordering data including purchaser information specifying at least one purchaser and information specifying the at least one product to be purchased, and sends the created ordering data to said purchaser system through an electronic medium, said purchaser system attaches, to the ordering data, purchaser ID (identification) information which has been provided from a settlement agency to said at least one purchaser in advance, and sends the ordering data with the purchaser ID information attached thereto to said settlement system through an electronic medium, and said settlement system determines whether to pay a predetermined amount of money for the at least one product to a seller for said at least one purchaser, based on the ordering data and purchaser ID information sent from said purchaser system, and sends information specifying the at least one purchaser and the product to be purchased and also settlement permission information representing to said seller system through an electronic medium.
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2. An electronic commerce device comprising:
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a communications unit which sends and receives data to and from another electronic commerce device;
a payment determiner which receives ordering data including price information representing a price of at least one product to be purchased and personal information including purchaser ID (identification) information which has been given in advance to at least one purchaser, from a purchaser terminal used by said at least one purchaser of the at least one product through said communications unit, and determines whether to pay for the at least one product to a seller for the at least one purchaser based on the received ordering data and personal information; and
a settlement-information creator which creates settlement permission information, in a case where said payment determiner determines to pay for the at least one product to said seller for the at least one purchaser, and sends the settlement permission information to a seller terminal used by the seller through said communications unit while the personal information of the at least one purchaser is kept secret from the seller. - View Dependent Claims (3, 4, 5, 7)
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6. The electronic commerce device according to claim S, further comprising a determiner which:
creates a digest of the ordering data and a digest of the personal information, in a case where said determiner receives the ordering data, the personal information, a digest of the ordering data and a digest of the personal information, compares the received digests with the generated digests, respectively, and determines validity of the received ordering data and personal information, based on a result of the comparison.
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8. An electronic commerce device comprising:
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an ordering-data creator which creates ordering data including price information of at least one product that at least one purchaser wants to purchase, in a case where information representing the at least one product has been input;
a recorder which writes the ordering data onto a recording medium, to provide a purchaser terminal used by at least one purchaser with the ordering data; and
a receiver which receives settlement permission information and provides a seller to be providing the at least one product with the received settlement permission information, in a case where it is determined that the settlement agency is to pay for the at least one product and in a case where an agency terminal used by a settlement agency outputs the settlement permission information, based on data communications performed between the purchaser terminal which reads the ordering data written onto the recording medium and the agency terminal used by the settlement agency which may pay for the at least one product for the purchaser. - View Dependent Claims (9)
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10. An electronic commerce device comprising:
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an ordering-data creator which creates ordering data including price information of at least one product that at least one purchaser desires to purchase, in a case where product information representing the at least one product is input;
a sender which sends the ordering data to a purchaser terminal used by the at least one purchaser; and
a receiver which receives settlement permission information and provides a seller to be providing the at least one product with the received settlement permission information, in a case where it is determined that a settlement agency is to pay for the at least one product and a settlement terminal used by the settlement agency outputs the settlement permission information, based on data communications performed between a purchaser terminal used by the at least one purchaser and the settlement terminal used by the settlement agency to be paying for the at least one product. - View Dependent Claims (11, 13, 15, 16, 18, 19)
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12. An electronic commerce device comprising:
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an input unit which inputs ordering data, which is created by a seller terminal used by a seller to be providing at least one product and which includes price information of the at least one product that at least one purchaser desires to purchase, and personal information including purchaser ID (identification) information which has been given in advance to the at least one purchaser; and
a settlement-request-message sender which creates a settlement request message including the personal information and the ordering data, sends the created settlement request message to a settlement terminal used by a settlement agency which may pay the at least one product to a seller for the purchaser, instructs said settlement terminal to determine whether to pay for the at least one product for the purchaser, and instructs said settlement terminal to send settlement permission information to said seller terminal while the personal information is kept secret from the seller, in a case where it is determined to pay for the at least one product for the purchaser.
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14. An electronic commerce device comprising:
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an ordering-data creator which creates ordering data including price information of at least one product that at least one purchaser desires to purchase, in a case where the at least one purchaser inputs product information of the at least one product;
an ordering-data provider which sends the ordering data to a purchaser terminal, which is used by the at least one purchaser and affixes personal information including purchaser ID (identification) information provided to the at least one purchaser in advance; and
a reception processor which receives data items including settlement permission information representing that the at least one product is to be paid for the purchaser, and provides the settlement permission information a seller of the at least one product, in a case where the data items are sent form a settlement terminal used by a settlement agency to be paying for the at least one product for the purchaser, as a result that the ordering data is provided to the purchaser terminal.
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17. An electronic commerce system, said system comprising a purchaser system, a seller system, a payment agency system and an ID (identification) information issuing system, and
wherein a payment agency provides at least one purchaser of at least one product with credit information and ID information corresponding to the at least one purchaser; -
said purchaser system sends ID information to said ID information issuing system, and requests said ID information issuing system for one-time ID information, and sends the one-time ID information provided from the ID information issuing system to the seller system;
said ID information issuing system issues one-time identification information, in response to a request from said purchaser system, provides corresponding information representing the one-time ID information and the ID information in association with each other to said payment agency system;
said seller system sends the one-time ID information sent from said purchaser system to said payment agency system, so as to request said payment agency system to pay for the at least one product for the at least one purchaser; and
said payment agency system determines ID information of the at least one purchaser based on the one-time ID information sent from the seller system, determines whether to pay for the at least one product based on the determined ID information, and sends a result of the determination to the seller system.
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20. A one-time ID (identification) information issuing system to be used in a transaction wherein:
- a one-time ID information is issued to a person who is assigned ID information for payment previously from a payment agency;
the issued one-time ID information is sent to the parson and the payment agency;
the person sends the issued one-time ID information to a seller in a business transaction;
the seller sends the one-time ID information of the person to a payment agency;
the payment agency obtains original ID information for payment of the person based on the sent one-time ID information and determines whether to pay to the seller for the business transaction based on the obtained original ID information for payment, and pays to the seller for the business transaction, in a case where it is determined to pay for the business transaction,said one-time ID information issuing system comprising;
storage means for storing ID information for payment previously assigned to a user, and one-time ID information providing means for issuing the one-time ID information toward the user in response to a request, having ID information attached thereto and being sent from a terminal of the user, providing the one-time ID information to the user, and providing a payment agency system with corresponding information representing the one-time ID information and the ID information in association with each other. - View Dependent Claims (21)
- a one-time ID information is issued to a person who is assigned ID information for payment previously from a payment agency;
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22. A purchaser system to be used by a purchaser and to be used in a transaction wherein:
- a one-time ID information is issued to a person who is assigned ID information for payment previously from a payment agency;
the issued one-time ID information is sent to the person and the payment agency;
the person sends the issued one-time ID information to a seller in a business transaction;
the seller sends the one-time ID information of the person to a payment agency;
the payment agency obtains original ID information for payment of the person based on the sent one-time ID information and determines whether to pay to the seller for the business transaction based on the obtained original ID information for payment, and pays to the seller for the business transaction, in a case where it is determined to pay for the business transaction,and said purchaser system comprising;
means for providing ID information for payment, previously assigned to a user, and for requesting one-time ID information issuing means for issuing one-time ID information to issue one-time ID information; and
means for providing the issued one-time ID information, and request a system to be used by a seller to provide at least one product to be sold. - View Dependent Claims (27, 28, 29, 30, 31, 32, 33, 34, 35, 36, 37, 38, 39)
- a one-time ID information is issued to a person who is assigned ID information for payment previously from a payment agency;
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23. A seller system to be used by a seller and to be used in a transaction wherein;
- a one-time ID information is issued to a person who is assigned ID information for payment previously from a payment agency;
the issued one-time ID information is sent to the parson and the payment agency;
the person sends the issued one-time ID information to a seller in a business transaction;
the seller sends the one-time ID information of the person to a payment agency;
the payment agency obtains original ID information for payment of the person based on the sent one-time ID information and determines whether to pay to the seller for the business transaction based on the obtained original ID information for payment, and pays to the seller for the business transaction, in a case where it is determined to pay for the business transaction,said seller system comprising;
means for receiving one-time ID information sent from a purchaser who desires to purchase at least one product in the business transaction, and providing the received one-time ID information to payment agency means; and
means for issuing a payment permit, upon reception of information representing that payment can be made for the purchaser from the payment agency.
- a one-time ID information is issued to a person who is assigned ID information for payment previously from a payment agency;
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24. A purchaser system to be used by a seller and to be used in a transaction wherein:
- a one-time ID information is issued to a person who is assigned ID information for payment previously from a payment agency;
the issued one-time ID information is sent to the person and the payment agency;
the person sends the issued one-time ID information to a seller in a business transaction;
the seller sends the one-time ID information of the person to a payment agency;
the payment agency obtains original ID information for payment of the person based on the sent one-time ID information and determines whether to pay to the seller for the business transaction based on the obtained original ID information for payment, and pays to the seller for the business transaction, in a case where it is determined to pay for the business transaction,said seller system comprising requesting means for requesting the payment agency to send ID information which is provided in advance together with credit for payment to be made, and to affix the one-time ID information to the ID information;
means for receiving the one-time ID information provided from said payment agency; and
means for providing the one-time ID information and making an order for at least one product in the business transaction.
- a one-time ID information is issued to a person who is assigned ID information for payment previously from a payment agency;
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25. A payment agency system to be used by a payment agency and to be used in a transaction wherein:
- a one-time ID information is issued to a person who is assigned ID information for payment previously from a payment agency;
the issued one-time ID information is sent to the person and the payment agency;
the person sends the issued one-time ID information to a seller in a business transaction;
the seller sends the one-time ID information of the person to a payment agency;
the payment agency obtains original ID information for payment of the person based on the sent one-time ID information and determines whether to pay to the seller for the business transaction based on the obtained original ID information for payment, and pays to the seller for the business transaction, in a case where it is determined to pay for the business transaction,said payment agency system comprising;
storage means for storing the ID information and given-credit information of a user in association with each other;
means for receiving and storing information associating the ID information and the one time ID information with each other; and
determination means for receiving the one-time ID information and price information regarding a price of at least one product in the business transaction, from a seller system, discriminating ID information from the received one-time ID information, and determining whether currently-requested payment can be made based on given-credit information corresponding to the discriminated ID Information; and
means for sending a result of the determination performed by said determination means to said seller system.
- a one-time ID information is issued to a person who is assigned ID information for payment previously from a payment agency;
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26. An electronic commerce method comprising:
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an ordering-data receiving process of receiving ordering data including price information representing a price of a target product to be purchased and personal information including ID information which has previously been given to at least one purchaser for sales, via a network;
a payment determination process of determining whether to pay the price of the target product to a seller, based on the price information included in the received ordering data and purchaser ID Information included in the received personal information; and
a settlement-permission information sending process of sending, in a case where it is determined at said determining step to pay the price of the target product for the at least one purchaser, settlement permission information representing that it is determined to pay the price for the purchaser to the seller through a network, while the ID information is secret from the seller.
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40. An electronic commerce method comprising:
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an ordering-data acquiring process of acquiring, from a seller terminal used by a seller, ordering data including price information, which represents a price of a product, and is generated and stored by the seller terminal;
a receiving process of receiving, as a settlement-request message, the ordering data and personal information including purchaser ID information which has previously been given for sales, from a purchaser terminal used by at least one purchaser;
a determination process of comparing the ordering data received at said receiving process and the ordering data received at said ordering-data acquiring process, and determining whether the ordering data received at said receiving process has been altered, before the product is provided to the at least one purchaser;
a payment determination process of determining whether to pay for the product to the seller for the at least one purchaser, based on the price information included in the ordering data and the purchaser ID information included in the personal information, in a case where it is determined that the ordering data received at said receiving process has not been altered at said determination process; and
a settlement-information sending process of sending the settlement permission information representing that the payment can be made for the at least one purchaser and the ordering data to the seller terminal, while the personal information is kept secret from the seller, in a case where it is determined to pay the price of the product for the purchaser at said payment determination process. - View Dependent Claims (41, 42, 43)
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44. An electronic commerce method using a deferred payment method for making payment for at least one product, and said electronic commerce method comprising the steps of:
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requesting a seller system to pay for a product to be purchased, using one-time deferred-payment information issued by a settlement agency system or a deferred-payment information issuer system;
requesting said settlement agency system to pay for the product based on the one-time deferred-payment information; and
paying for the product for a purchaser of the product based on deferred-payment information of the purchaser which corresponds to the one-time deferred payment information. - View Dependent Claims (45, 46, 47, 48, 49, 50, 51)
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52. A method for realizing a settlement agency system in an electronic commerce method employing a deferred payment technique, for paying a price of at least one product to be purchased by at least one purchaser, and said method comprising the steps of:
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receiving, from a seller system, a request for paying for the at least one product based on one-time deferred-payment information issued to the at least one purchaser; and
paying for the at least one product for the at least one purchaser, based on the deferred-payment information of the at least one purchaser corresponding to the one-time deferred-payment information.
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53. A method of issuing one-time deferred-payment information, and used by a deferred-payment information issuer system in an electronic commerce, employing a deferred-payment technique for paying for at least one product, and said method comprising the steps of:
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issuing new one-time deferred-payment information to a purchaser terminal at least one purchaser, in a case where the one-time deferred-payment information is requested using a message including specification information specifying the at least one purchaser from the purchaser terminal, or in a case where a settlement agency system informs that the one-time deferred-payment information has been used; and
sending, to said settlement agency system, the one-time deferred-payment information issued at said issuing step and the deferred-payment information in association with each other.
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54. A settlement-request method used by a seller system in an electronic commerce method employing a deferred-payment technique for paying for at least one product for at least one purchaser, and said settlement-request method comprising the steps of:
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receiving a request, from a purchaser terminal used by at least one purchaser, for paying for the at least one product for the at least one purchaser, based on one-time deferred-payment information issued to the at least one purchaser; and
requesting a settlement agency system to pay for the at least one product for the at least one purchaser, based on the one-time deferred-payment information.
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Specification