Electronic commerce settlement system
First Claim
Patent Images
1. A provisional settlement system comprising:
- means for transferring money information, which is settled according to a notification of confirmation that an object item for which payment is to be made has been executed, containing provisional settlement information to a payee; and
means for making final settlement for the money information based on the confirmation that the object item for which payment is to be made has been executed.
2 Assignments
0 Petitions
Accused Products
Abstract
In an electronic commerce, a processing unit in a financial institution freezes an account balance at a request from a purchaser, generates provisional settlement money, that is, money information, and transmits the money to a purchaser--s processing unit. The purchaser'"'"'s processing unit transmits a goods order request and provisional settlement money to a seller'"'"'s processing unit. The processing unit in the financial institution makes a final settlement for the provisional settlement money based on a final settlement admission request from the purchaser who received goods and a final settlement request from the seller who received the provisional settlement money.
542 Citations
132 Claims
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1. A provisional settlement system comprising:
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means for transferring money information, which is settled according to a notification of confirmation that an object item for which payment is to be made has been executed, containing provisional settlement information to a payee; and means for making final settlement for the money information based on the confirmation that the object item for which payment is to be made has been executed. - View Dependent Claims (2, 3, 4, 5, 6, 7, 8, 9, 10, 11, 12, 13, 14, 15, 16, 17, 18, 19, 20, 21, 22, 23, 24, 25, 26, 27, 28, 29, 30, 31, 32)
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33. An electronic money settlement system comprising:
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means for transferring, to a payee, electronic money, that is, money information which contains information identifying whether or not provisional settlement information is contained, and is settled according to a notification of confirmation that an object item for which payment is to be made has been executed; and means for making final settlement for the money information containing the provisional settlement information based on confirmation that the object item for which payment is to be made has been executed. - View Dependent Claims (34, 35, 36, 37, 38, 39, 40, 41, 42, 43, 44, 45, 46, 47, 48, 49, 50, 51, 52)
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53. An encryption intermediate system having a transaction management device for mediating transmission from a first party to a second party, comprising:
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means for encrypting data using a unique encryption key between the first party and the transaction management device when the first party transmits the data to the second party; and means for requesting the transaction management device to transmit encrypted data to the second party. - View Dependent Claims (54, 55)
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56. A delivery system having a processing unit of a seller of goods, a processing unit of at least one of a purchaser and a receiver of the goods, and a delivery management device provided for a deliverer of the goods, wherein
said delivery management device comprises: -
means for storing delivery information based on a delivery request from the seller'"'"'s processing unit; and means for generating third-party delivery certification information containing a signature of the receiver of the goods and a payment identifier relating to purchase of the goods when the deliverer has delivered the goods to the receiver. - View Dependent Claims (57)
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58. A delivery system having a processing unit of a seller of goods, a processing unit of at least one of a purchaser and a receiver of the goods, and a goods delivery management device provided for a deliverer of the goods, wherein
said goods delivery management device comprises: -
means for storing return-of-goods delivery information based on a returned goods delivery request from the receiver; and means for generating first third-party return-of-goods certification information containing a signature of the receiver and a payment identifier relating to purchase of the goods. - View Dependent Claims (59, 60, 61)
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62. A digital contents sales system having at least a seller'"'"'s processing unit, a purchaser'"'"'s processing unit, and a mediating transaction management device, wherein
said transaction management device comprises: -
management means for managing a decryption key of digital contents to be sold through the seller'"'"'s processing unit; and means for transmitting the decryption key to the purchaser'"'"'s processing unit at a demand from the purchaser'"'"'s processing unit. - View Dependent Claims (63, 64, 65, 66, 67, 68, 69)
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70. A transaction management device which mediates transmission of data from a first party to a second party, comprising:
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means for receiving data through unique encryption protocol between the first party and the transaction management device; and means for transmitting the received data through a unique encryption protocol between the second party and the transaction management device.
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71. A transaction management device which mediates a provisional settlement process performed at a notification of confirmation that an object item for which payment is to be made has been executed, comprising:
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means for monitoring at least one of a final settlement admission request and a return-of-goods request to be issued after a receiver of goods has received the goods; and means for transmitting third-party delivery certification information as authentication information and issuing the final settlement admission request on behalf of the receiver when none of the final settlement admission request and the return-of-goods request are issued within a predetermined period.
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72. A transaction management device which mediates a provisional settlement process performed at a notification of confirmation that an object item for which payment is to be made has been executed, comprising:
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means for monitoring whether or not a seller issues a cancellation request through return of goods; and means for transmitting third-party return-of-goods certification information as authentication information and issuing the cancellation request on behalf of the seller when the cancellation request is not issued within a predetermined period.
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73. A transaction management device for mediating sales of digital contents, comprising:
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means for managing a decryption key for digital contents encrypted by a seller and transmitted to a purchaser; means for transmitting the decryption key to the purchaser; and means for issuing third-party witness certification information.
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74. A transaction management device for mediating sales of digital contents, comprising:
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means for determining whether or not digital contents received by a purchaser are defective; means for notifying the purchaser when it is determined that the digital contents are defective; and means for re-transmitting a decryption key to the purchaser when it is determined that the decryption key is defective.
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75. A transaction management device which mediates among a delivery management device provided for a deliverer of goods, a seller'"'"'s processing unit, and a purchaser'"'"'s and receiver'"'"'s processing unit, comprising:
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means for receiving an entry of third-party delivery certification information of the delivery management device; means for receiving an entry of first third-party return-of-goods certification information certifying that a return-of-goods request has been issued; and means for receiving an entry of second third-party return-of-goods certification information certifying that a seller has received returned goods.
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76. A terminal unit connected to a financial institution, comprising:
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means for storing a portable storage medium for storing money information containing provisional settlement information which is settled at a notification of confirmation that an object item for which payment is to be made has been executed; and means for issuing the portable storage medium.
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77. A terminal unit connected to a financial institution, comprising:
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means for reading information stored on a portable storage medium for storing money information containing provisional settlement information which is settled at a notification of confirmation that an object item for which payment is to be made has been executed; and means for transmitting a final settlement request to a financial institution according to read information.
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78. A terminal unit connected to a financial institution, comprising:
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means for reading information stored on an inserted portable storage medium; and means for automatically collecting the portable storage medium after completion of a process when the portable storage medium stores collection information.
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79. A delivery management device provided for a deliverer of goods, comprising:
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means for storing goods delivery information based on a goods delivery request from a seller; and means for generating third-party delivery certification information containing a payment identifier relating to purchase of the goods and a signature of one of a receiver and a substitute when the deliverer delivered the goods to the receiver. - View Dependent Claims (80, 81)
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82. A delivery management device provided for a deliverer of goods, comprising:
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means for storing returned goods delivery information based on a returned goods delivery request from a receiver of the goods; and means for generating first third-party return-of-goods certification information containing a payment identifier relating to purchase of the goods and a signature of one of the receiver, who issued a return-of-goods request, and a substitute. - View Dependent Claims (83, 84, 85, 86)
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87. A financial process device provided in a financial institution, comprising:
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means for accepting a request for an issue of money information, which is settled upon receipt of a confirmation notification that an object item for which payment is to be made has been executed, containing provisional settlement information; means for freezing an amount of the money information within a balance of an account of a payer, and managing the amount as a non-transferable amount until the final settlement is made; and means for issuing the money information containing the provisional settlement information. - View Dependent Claims (88, 89, 90)
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91. A financial process device provided in a financial institution, comprising:
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means for accepting a request for receipt of transfer of provisional settlement money from a payee; means for confirming whether or not a final settlement admission request has been issued; means for performing one of money transfer and transfer of electronic money to the payee based on contents of the request for receipt of transfer when final settlement admission is issued; and means for storing request for receipt of transfer information in a database when no final settlement admission is issued.
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92. A financial process device provided in a financial institution, comprising:
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means for accepting a final settlement admission request; and means for checking validity of the accepted final settlement admission request. - View Dependent Claims (93)
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94. A financial process device provided in a financial institution, comprising:
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means for accepting a provisional settlement cancellation request; and means for checking validity of the accepted provisional settlement cancellation request. - View Dependent Claims (95)
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96. A financial process device provided in a financial institution, comprising:
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means for accepting a provisional settlement cancellation request; means for accepting a return-of-goods claim; and means for reserving a provisional settlement cancellation process when a return-of-goods claim corresponding to a provisional settlement cancellation request is issued.
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97. A payment process device provided for a payer, comprising:
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means for issuing a request for money information, which is settled upon receipt of a confirmation notification that an object item for which payment is to be made has been executed, containing provisional settlement information; and means for storing the money information including the provisional settlement information. - View Dependent Claims (98)
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99. A payment process device provided for a payer, comprising:
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means for requesting a payee to execute an object item for which payment is to be made; and means for transferring, to the payee, money information, which is settled upon receipt of a confirmation notification that the object item has been executed, containing provisional settlement information. - View Dependent Claims (100, 101)
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102. A sales management device provided for a seller of goods, comprising:
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means for accepting an order of goods from a purchaser of the goods; means for accepting money information containing provisional settlement information from the purchaser; and means for issuing a final settlement request after transmitting the goods to a receiver of the goods. - View Dependent Claims (103, 104)
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105. A receipt process device provided for a receiver of goods, comprising:
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means for receiving a result of receipt confirmation of goods sent from a seller; and means for issuing a final settlement admission request when the goods are normal based on the result of the receipt confirmation of the goods. - View Dependent Claims (106)
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107. A payment process device provided for one of a payer and a confirmor who confirms an object item for which payment is to be made, comprising:
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means for monitoring an execution term for the object item for which payment is to be made contained in payment condition information; and means for issuing a transaction cancellation request by transmitting the payment condition information as authentication information when the object item is not executed within the execution term.
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108. A sales management device provided for a payee, comprising:
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means for receiving an object item for which payment is to be made from a payer; means for receiving money information, which is settled upon receipt of a confirmation notification that the object item has been executed, containing provisional settlement information; means for monitoring an execution term for the object item for which payment is to be made; and means for notifying one of the payer and a confirmor who confirms the object item when the object item has not been executed within the execution term.
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- 109. A portable storage medium for storing money information, which is transferred to a payee and settled upon receipt of a confirmation notification that an object item for which payment is to be made has been executed, containing provisional settlement information.
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111. A computer-readable storage medium storing a program used to direct a computer, which is a transaction management device for mediating transmission of data from a first party to a second party, to perform the functions of:
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receiving data using a unique encryption protocol between the first party and the transaction management device; and transmitting received data using a unique encryption protocol between the transaction management device and the second party.
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112. A computer-readable storage medium storing a program used to direct a computer, which is a transaction management device for mediating a provisional settlement process, to perform the functions of:
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monitoring at least one of a final settlement admission request and a return-of-goods request to be issued after a receiver of goods has received the goods; and transmitting third-party delivery certification information as authentication information and issuing the final settlement admission request on behalf of the receiver when neither of the final settlement admission request and the return-of-goods request are issued within a predetermined period.
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113. A computer-readable storage medium storing a program used to direct a computer, which is a transaction management device for mediating a provisional settlement process, to perform the functions of:
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monitoring whether or not a seller issues a cancellation request through return of goods; and transmitting third-party return-of-goods certification information as authentication information and issuing the cancellation request on behalf of the seller when the cancellation request is not issued within a predetermined period.
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114. A computer-readable storage medium storing a program used to direct a computer, which is a transaction management device for mediating sales of digital contents, to perform the functions of:
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managing a decryption key for digital contents encrypted by a seller and transmitted to a purchaser; transmitting the decryption key to the purchaser; and issuing third-party witness certification information.
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115. A computer-readable storage medium storing a program used to direct a computer, which is a transaction management device for mediating sales of digital contents, to perform the functions of:
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determining whether or not digital contents received by a purchaser are defective; notifying the purchaser when it is determined that the digital contents are defective; and re-transmitting a decryption key to the purchaser when it is determined that the decryption key is defective.
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116. A computer-readable storage medium storing a program used to direct a computer, which is a transaction management device for mediating among a delivery management device provided for a deliverer of goods, a seller'"'"'s processing unit, and at least one of a purchaser'"'"'s and receiver'"'"'s processing unit, to perform the functions of:
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receiving an entry of third-party delivery certification information of the delivery management device; receiving an entry of first third-party return-of-goods certification information certifying that a return-of-goods request has been issued; and receiving an entry of second third-party return-of-goods certification information certifying that a seller has received returned goods.
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117. A storage medium storing a program used to direct a central processing unit and an input/output device of a terminal unit connected to a financial institution to perform the function of:
issuing a portable storage medium for storing money information, which is settled at a notification of confirmation that an object item for which payment is to be made has been executed, containing provisional settlement information.
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118. A storage medium storing a program used to direct a central processing unit and an input/output device of a terminal unit connected to a financial institution to perform the function of:
transmitting to the financial institution a final settlement request based on a portable storage medium storing money information, which is settled at a notification of confirmation that an object item for which payment is to be made has been executed, containing provisional settlement information.
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119. A storage medium storing a program used to direct a central processing unit and an input/output device of a terminal unit connected to a financial institution to perform the function of:
automatically collecting an inserted portable storage medium after completion of a process when the portable storage medium stores collection information.
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120. A computer-readable storage medium storing a program used to direct a computer, which is a delivery management device provided for a deliverer of goods, to perform the functions of:
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storing goods delivery information based on a goods delivery request from a seller; and generating third-party delivery certification information containing a payment identifier relating to purchase of the goods and a receipt signature of one of a receiver and a substitute when the goods are delivered to the receiver.
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121. A computer-readable storage medium storing a program used to direct a computer, which is a delivery management device provided for a deliverer of goods, to perform the functions of:
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storing return-of-goods delivery information based on a returned goods delivery request from a receiver of the goods; and generating third-party return-of-goods certification information containing a payment identifier relating to purchase of the goods and a signature of one of the receiver, who issued a return-of-goods request, and a substitute.
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122. A computer-readable storage medium storing a program used to direct a computer, which is a financial process device provided in a financial institution, to perform the functions of:
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accepting a request for an issue of money information, which is settled upon receipt of a confirmation notification that an object item for which payment is to be made has been executed, containing provisional settlement information; transferring money information from a balance of an account of a payer to a provisional settlement balance; issuing the money information containing the provisional settlement information; and issuing authentication of the financial institution.
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123. A computer-readable storage medium storing a program used to direct a computer, which is a financial process device provided in a financial institution, to perform the functions of:
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accepting a request for receipt of transfer of money information, which is settled upon receipt of a confirmation notification that an object item for which payment is to be made has been executed, containing provisional settlement information; confirming whether or not a final settlement admission request has been issued; transferring one of money and electronic money to a payee based on contents of the request for receipt of transfer when a final settlement is admitted; and storing request for receipt of transfer information in a database when the final settlement is not admitted.
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124. A computer-readable storage medium storing a program used to direct a computer, which is a financial process device provided in a financial institution, to perform the functions of:
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accepting a final settlement admission request for money information, which is settled upon receipt of a confirmation notification that an object item for which payment is to be made has been executed, containing provisional settlement information; and checking validity of the accepted final settlement admission request.
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125. A computer-readable storage medium storing a program used to direct a computer, which is a financial process device provided in a financial institution, to perform the functions of:
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accepting a provisional settlement cancellation request for money information, which is settled upon receipt of a confirmation notification that an object item for which payment is to be made has been executed, containing provisional settlement information; and checking validity of the accepted provisional settlement cancellation request.
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126. A computer-readable storage medium storing a program used to direct a computer, which is a financial process device provided in a financial institution, to perform the functions of:
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accepting a provisional settlement cancellation request for money information, which is settled upon receipt of a confirmation notification that an object item for which payment is to be made has been executed, containing provisional settlement information; accepting a return-of-goods claim; and reserving a provisional settlement cancellation process when a return-of-goods claim corresponding to a provisional settlement cancellation request is issued.
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127. A computer-readable storage medium storing a program used to direct a central processing unit and an input/output device, which form a payment process device provided for a payer, to perform the function of:
requesting an issue of money information, which is settled upon receipt of a confirmation notification that an object item for which payment is to be made has been executed, containing provisional settlement information.
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128. A storage medium storing a program used to direct a central processing unit and an input/output device, which form a payment process device provided for a payer, to perform the functions of:
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requesting a payee for an object item for which payment is to be made; and transferring money information, which is settled upon receipt of a confirmation notification that the object item for which payment is to be made has been executed, containing provisional settlement information.
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129. A computer-readable storage medium storing a program used to direct a computer, which is a sales management device provided for a seller of goods, to perform the functions of:
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accepting an order of the goods from a purchaser of the goods; accepting money information containing provisional settlement information from the purchaser; and requesting for a final settlement after delivering the goods to a receiver.
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130. A storage medium storing a program used to direct a central processing unit and an input/output device, which form a receipt process device provided for a receiver of goods, to perform the function of:
issuing a final settlement admission request when the goods are normal based on a receipt confirmation of the goods delivered from a seller.
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131. A storage medium storing a program used to direct a central processing unit and an input/output device, which form a payment process device provided for one of a payer and a confirmor who confirms an object item for which payment is to be made, to perform the functions of:
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monitoring an execution term for the object item for which payment is to be made included in payment condition information; and issuing a transaction cancellation request by transmitting the payment condition information as authentication information when the object item is not executed within the execution term.
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132. A computer-readable storage medium storing a program used to direct a computer, which is a sales management device provided for a payee, to perform the functions of:
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accepting an object item for which payment is to be made from a payer; accepting money information, which is settled upon receipt of a confirmation notification that an object item for which payment is to be made has been executed, containing provisional settlement information; monitoring an execution term, for the object item for which payment is to be made, included in payment condition information; notifying one of the payer and a confirmor who confirms the object item for which payment is to be made when the object item is not executed within the execution term.
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Specification