Electronic payment system, a recording medium recording an electronic payment program and an electronic payment apparatus
First Claim
1. In an electronic payment system in which a buyer of a commodity pays money for the commodity to a seller of the commodity via a relay agency, a computer of the relay agency comprises:
- a holding unit holding the money for the commodity that the buyer has paid in a relay account to be established every time a transaction is conducted;
a card issue unit issuing a payment transfer card and a notification card in which information necessary to implement the transfer of the money for the commodity by the payment transfer card is recorded;
a receiving unit receiving the information recorded on the payment transfer card which is sent to the buyer or a recipient designated by the buyer from the relay agency and the information recorded on the notification card which is sent from the seller to the buyer or the recipient; and
a payment unit paying the money for the commodity from the relay account to the seller'"'"'s account based on the information of the payment transfer card and notification card which are received by the receiving unit.
1 Assignment
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Accused Products
Abstract
The purpose of the present invention is to provide a highly secure payment system in electronic commerce. The computer of a relay agency holds the money which a buyer pays for a commodity in a relay account. Then, the computer of the relay agency makes a payment transfer card and a notification card, and sends the notification card together with the request of purchase of the commodity to a seller. The relay agency sends the payment transfer card to the buyer. The buyer, after receiving the commodity, inserts the payment transfer card and the notification card into an automated teller machine of a bank, etc. and gives instructions on the payment transaction to the computer of the relay agency. The computer of the relay agency transfers the money for the commodity from the relay account to the seller'"'"'s account.
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Citations
19 Claims
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1. In an electronic payment system in which a buyer of a commodity pays money for the commodity to a seller of the commodity via a relay agency, a computer of the relay agency comprises:
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a holding unit holding the money for the commodity that the buyer has paid in a relay account to be established every time a transaction is conducted;
a card issue unit issuing a payment transfer card and a notification card in which information necessary to implement the transfer of the money for the commodity by the payment transfer card is recorded;
a receiving unit receiving the information recorded on the payment transfer card which is sent to the buyer or a recipient designated by the buyer from the relay agency and the information recorded on the notification card which is sent from the seller to the buyer or the recipient; and
a payment unit paying the money for the commodity from the relay account to the seller'"'"'s account based on the information of the payment transfer card and notification card which are received by the receiving unit. - View Dependent Claims (3, 5, 6, 7, 8, 9, 10)
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2. In an electronic payment system in which a buyer of a commodity pays the money for the commodity to a seller of the commodity via a relay agency, a computer of the relay agency comprises:
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a holding unit holding the money for the commodity that a buyer has paid in a relay account to be established every time a transaction is conducted;
a transmission unit transmitting the payment transfer information which makes the transfer of the money for the commodity from the relay account to the seller'"'"'s account possible to the terminal of the buyer or a recipient designated by the buyer via a communication line and transmitting information necessary to implement the transfer of the money for the commodity to the seller via a communication line; and
a payment unit paying the money for the commodity from the relay account to the seller'"'"'s account when the payment unit receives the payment transfer information and information necessary to implement the transfer of the money for the commodity to the seller'"'"'s account from the terminal of the buyer or the recipient. - View Dependent Claims (4)
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11. A computer readable recording medium which records an electronic payment program by which the buyer pays the money for the commodity to the seller via the relay agency, and the electronic payment program
holds the buyer'"'"'s money for the commodity in the relay account to be established every time a transaction is conducted; -
issues a payment transfer card which is sent to the buyer and a notification card in which information necessary to implement the transfer of the money for the commodity by the payment transfer card is recorded;
receives information read from the payment transfer card which is sent from the seller to the buyer or a recipient designated by the buyer and the notification card;
pays the money for the commodity from the relay account to the seller'"'"'s account based on the received information of the payment transfer card and the notification card.
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12. A computer readable recording medium which records an electronic payment program by which the buyer pays the money for the commodity to the seller via the relay agency, wherein the electronic payment program
holds the buyer'"'"'s money for the commodity in the relay account; -
transmits the payment transfer information which makes the transfer of the money for the commodity from the relay account to the seller'"'"'s account possible to the terminal of the buyer or a recipient designated by the buyer via a communication line and transmits information necessary to implement the payment transfer transaction to the seller via a communication line; and
transfers the money for the commodity from the relay account to the seller'"'"'s account when the electronic payment program receives the payment transfer information and information necessary to implement the payment transfer transaction from the terminal of the buyer or a recipient designated by the buyer. - View Dependent Claims (13)
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14. A computer data signal which is realized by a carrier signal and which provides an electronic payment program by which a buyer of a commodity pays the money for the commodity to a seller of the commodity via a relay agency, wherein the electronic payment program
holds the money for the commodity that the buyer has paid in a relay account to be established every time a transaction is conducted; -
issues a payment transfer card and a notification card in which information necessary to implement the transfer of the money for the commodity by the payment transfer card is recorded;
receives the payment transfer card which is sent to the buyer or a recipient designated by the buyer from the relay agency and the information recorded on the notification card which is sent from the seller to the buyer or the recipient; and
pays the money for the commodity from the relay account to the seller'"'"'s account based on the information of the payment transfer card and notification card which are received by the receiving unit. - View Dependent Claims (16)
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15. A computer data signal which is realized by a carrier signal and which provides an electronic payment program by which a buyer of a commodity pays the money for the commodity to a seller of the commodity via a relay agency, wherein the electronic payment program
holds the money for the commodity that a buyer has paid in a relay account to be established every time a transaction is conducted; -
transmits the payment transfer information which makes the transfer of the money for the commodity from the relay account to the seller'"'"'s account possible to the terminal of the buyer or a recipient designated by the buyer via a communication line, and transmits information necessary to implement the transfer of the money for the commodity to the seller via a communication line; and
pays the money for the commodity from the relay account to the seller'"'"'s account when the payment unit receives the payment transfer information and information necessary to implement the transfer of the money for the commodity to the seller'"'"'s account from the terminal of the buyer or the recipient.
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17. An electronic payment apparatus used for an electronic payment system in which a buyer of a commodity pays the money for the commodity to a seller of the commodity via a relay agency, comprising:
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a holding unit holding the money for the commodity that the buyer has paid in a relay account;
a transmission unit transmitting the payment transfer information which makes the transfer of the money for the commodity from the relay account to the seller'"'"'s account possible to the terminal of the buyer or a recipient designated by the buyer via a communication line and transmitting information necessary to implement the transfer of the money for the commodity to the seller via a communication line; and
a payment unit paying the money for the commodity from the relay account to the seller'"'"'s account when the payment unit receives the payment transfer information and information necessary to implement the transfer of the money for the commodity to the seller'"'"'s account from the terminal of the buyer or a recipient designated by the buyer.
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18. An electronic payment apparatus used for an electronic payment system in which a buyer of a commodity pays the money for the commodity to a seller of the commodity via a relay agency, comprising:
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a holding unit holding the money for the commodity that the buyer has paid in a relay account to be established every time a transaction is conducted;
a card issue unit issuing a payment transfer card and a notification card in which information necessary to implement the transfer of the money for the commodity by the payment transfer card is recorded;
a receiving unit receiving the tinformation recorded on the payment transfer card which is sent to the buyer or a recipient designated by the buyer from the relay agency and the information recorded on the notification card which is sent from the seller to the buyer or the recipient; and
a payment unit paying the money for the commodity from the relay account to the seller'"'"'s account based on the information of the payment transfer card and notification card which are received by the receiving unit.
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19. An electronic payment apparatus used for an electronic payment system in which a buyer of a commodity pays the money for the commodity to a seller of the commodity via a relay agency, comprising:
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a holding unit holding the money for the commodity that the buyer has paid in a relay account;
a transmission unit transmitting the payment transfer information which makes the transfer of the money for the commodity from the relay account to the seller'"'"'s account possible to the terminal of the buyer or a recipient designated by the buyer via a communication line and transmitting information necessary to implement the transfer of the money for the commodity to the seller via a communication line; and
a payment unit paying the money for the commodity from the relay account to the seller'"'"'s account when the payment unit receives the payment transfer information and information necessary to implement the transfer of the money for the commodity to the seller'"'"'s account from the terminal of the buyer or a recipient designated by the buyer.
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Specification