On-line shopping system and the method of payment settlement
First Claim
1. An on-line computerized shopping system, comprising:
- (a) a store system for memorizing product data and providing a shopping mall for products via a shopping mall network;
(b) a user system includinga product selection unit connected to the shopping mall network, for selecting a product to be purchased from the shopping mall provided by the store system,a download unit for downloading selected product data from the store system via the shopping mall network, anda transmission unit for inputting payment settlement data of the product and personal data of a user who selects the product, for automatically setting an independent settlement network connectable to a service center that carries out settlement, when purchasing a downloaded product, the settlement network being different from the shopping mall network, and for transmitting the selected product data, the payment settlement data and the personal data to the service center via the settlement network based on a first protocol; and
(c) the service center for receiving the selected product data, the payment settlement data, and the personal data via the settlement network from the user system and then performing a payment settlement using the payment settlement data and the personal data, and for distributing the selected product data and the personal data to the store system,wherein the shopping mall network is not used to transmit the payment settlement data.
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Accused Products
Abstract
When performing on-line shopping using the Internet, and when performing payment settlement for a product by a credit card, user'"'"'s card data runs over the Internet, leaving the possibility of card data leakage, thereby causing a security problem. The user decides the product he or she wants to buy via a computer network (Internet) from a user system. Then, a transmission unit calls up a service center to send order data including the credit card data via a settlement network. Service center invoices the sales price to an approval center based on the order data. Approval center pays the price to service center. Then, service center sends the order data to the shopping system. A delivery processing unit then delivers the product to the user based on the order data.
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Citations
29 Claims
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1. An on-line computerized shopping system, comprising:
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(a) a store system for memorizing product data and providing a shopping mall for products via a shopping mall network; (b) a user system including a product selection unit connected to the shopping mall network, for selecting a product to be purchased from the shopping mall provided by the store system, a download unit for downloading selected product data from the store system via the shopping mall network, and a transmission unit for inputting payment settlement data of the product and personal data of a user who selects the product, for automatically setting an independent settlement network connectable to a service center that carries out settlement, when purchasing a downloaded product, the settlement network being different from the shopping mall network, and for transmitting the selected product data, the payment settlement data and the personal data to the service center via the settlement network based on a first protocol; and (c) the service center for receiving the selected product data, the payment settlement data, and the personal data via the settlement network from the user system and then performing a payment settlement using the payment settlement data and the personal data, and for distributing the selected product data and the personal data to the store system, wherein the shopping mall network is not used to transmit the payment settlement data. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12)
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13. A computerized payment settlement method which includes a store system including shopping malls, a user system that selects a product to be purchased from the shopping malls, an approval center that approves a payment settlement, and a service center which exists among the store system, the user system and the approval center, the payment settlement method, comprising steps of:
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(a) selecting the product to be purchased from shopping malls offered by the store system via a shopping mall network in the user system; (b) downloading data of selected products from the store system into the user system via the shopping mall network; (c) automatically setting an independent settlement network connected to the service center, the settlement network being different from the shopping mall network, and transmitting the data of downloaded products, data for the payment settlement, and data of a purchaser of the product from the user system to the service center using the independent settlement network; (d) requesting an approval of the payment settlement from the service center to the approval center based on the data for the payment settlement; (e) approving the payment settlement in the approval center based on the payment settlement data; (f) distributing product data approved by the approval center for the payment settlement and the data of the product purchaser from the service center to the store system; and (g) collecting payment in the approval center from the purchaser of the product based on the payment settlement data, wherein the shopping mall network is not used to transmit the payment settlement data. - View Dependent Claims (14, 15, 16, 17, 18)
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19. A user system for an on-line shopping system including a store system, connected to a shopping mall network, for memorizing product data and for offering a product via the shopping mall network, and using a settlement network connected to a service center the user system comprising:
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a product selection unit, connectable to the shopping mall network, for selecting a product to be purchased from the shopping mall offered by the store system via the shopping mall network, a download unit for downloading selected product data from the store system via the shopping mall network, and a transmission unit for, when purchasing the downloaded products, automatically setting the settlement network between the service center that performs payment settlement; wherein, the shopping mall network is not used to transmit payment settlement data, and wherein the settlement network being different from the shopping mall network is used to transmit the selected product data, product payment data, and personal data to the service center.
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- 20. A service center for an online shopping system using a computer network including a store system for memorizing product data and for offering a product from a shopping mall via a shopping mall network, a user system for selecting a product to be purchased from the shopping mall offered by the store system via the shopping mall network, and an approval center for approving a payment settlement, the service center being automatically connectable to a settlement network different from the shopping mall network upon a call from the user system, the service center being arranged to receive selected product data, payment settlement data and personal data via the settlement network from the user system that does not transmit the payment settlement data via the shopping mall network, the service center being further arranged to perform a settlement using the payment settlement data and the personal data, and distributes the selected product data and the personal data to the store system without transmitting the payment settlement data via the shopping mall network.
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21. An on-line computerized shopping system, comprising:
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(a) a store system constructed and arranged to memorize product data and to provide shopping mall products via a shopping mall network; (b) a user system constructed and arranged to download product data from the store system via the shopping mall network and to transmit the product data, product payment settlement data, and user data via a payment network based on a first protocol; (c) a service center constructed and arranged to receive via the settlement network the product data, the product payment settlement data, the user data and to request an approval of payment settlement via a credit authorization network based on a second protocol different from the first protocol, the service center being further arranged to obtain the approval of a payment settlement from an approval center and to perform the payment settlement; and (d) the approval center constructed and arranged to receive a request for approving the payment settlement from the service center via the credit authorization network and to approve the payment settlement; wherein the shopping mall network is a network that can be accessed from a third party, and the payment settlement network is a network that communicates exclusively between the user system and the service center, and the credit authorization network is a network used for credit authorization; wherein the user system transmits the selected product data, payment settlement data, and the user data not to the store system via the shopping mall network but to the service center based on the first protocol via the payment settlement network; wherein the service center receives the product data, the product payment settlement data, and the user data based on the first protocol, changes at least the product payment settlement data among the received product data, the product payment settlement data, and the user data so as to be fitted to the second protocol, and requests the approval of the payment settlement to the approval center based on the second protocol via the credit authorization network, and obtains the approval, and distributes the product data of which the payment settlement is approved, and the user data to the store system via a communication line, makes the store system receive the product data and the user data, and performs a delivery process of the product; wherein data transmitted between the user system and the store system via the shopping mall network is only product data being downloaded from the store system to the user system, and wherein the service center communicates with the user system via the settlement network, the approval center via the credit authorization network, and store system via the communication line, without using the shopping mall network. - View Dependent Claims (23, 24, 25, 26, 27, 28, 29)
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Specification