JP2002245365A - インターネットの課金方法 - Google Patents
インターネットの課金方法Info
- Publication number
- JP2002245365A JP2002245365A JP2002033045A JP2002033045A JP2002245365A JP 2002245365 A JP2002245365 A JP 2002245365A JP 2002033045 A JP2002033045 A JP 2002033045A JP 2002033045 A JP2002033045 A JP 2002033045A JP 2002245365 A JP2002245365 A JP 2002245365A
- Authority
- JP
- Japan
- Prior art keywords
- customer
- vendor
- internet
- account
- purchasing
- Prior art date
- Legal status (The legal status is an assumption and is not a legal conclusion. Google has not performed a legal analysis and makes no representation as to the accuracy of the status listed.)
- Pending
Links
- 238000000034 method Methods 0.000 title claims description 40
- 238000013475 authorization Methods 0.000 claims description 6
- 238000004891 communication Methods 0.000 claims description 6
- 238000007796 conventional method Methods 0.000 abstract 1
- 238000012795 verification Methods 0.000 description 5
- 230000005540 biological transmission Effects 0.000 description 3
- SPNQRCTZKIBOAX-UHFFFAOYSA-N Butralin Chemical compound CCC(C)NC1=C([N+]([O-])=O)C=C(C(C)(C)C)C=C1[N+]([O-])=O SPNQRCTZKIBOAX-UHFFFAOYSA-N 0.000 description 2
- 238000012986 modification Methods 0.000 description 2
- 230000004048 modification Effects 0.000 description 2
- 238000002716 delivery method Methods 0.000 description 1
- 238000010586 diagram Methods 0.000 description 1
- 230000000694 effects Effects 0.000 description 1
- QCAWEPFNJXQPAN-UHFFFAOYSA-N methoxyfenozide Chemical compound COC1=CC=CC(C(=O)NN(C(=O)C=2C=C(C)C=C(C)C=2)C(C)(C)C)=C1C QCAWEPFNJXQPAN-UHFFFAOYSA-N 0.000 description 1
- 238000012544 monitoring process Methods 0.000 description 1
- 230000008054 signal transmission Effects 0.000 description 1
- 238000006467 substitution reaction Methods 0.000 description 1
- 238000012546 transfer Methods 0.000 description 1
Classifications
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/102—Bill distribution or payments
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/02—Payment architectures, schemes or protocols involving a neutral party, e.g. certification authority, notary or trusted third party [TTP]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/04—Payment circuits
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/105—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems involving programming of a portable memory device, e.g. IC cards, "electronic purses"
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/10—Payment architectures specially adapted for electronic funds transfer [EFT] systems; specially adapted for home banking systems
- G06Q20/108—Remote banking, e.g. home banking
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/12—Payment architectures specially adapted for electronic shopping systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/14—Payment architectures specially adapted for billing systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/08—Payment architectures
- G06Q20/16—Payments settled via telecommunication systems
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q20/00—Payment architectures, schemes or protocols
- G06Q20/38—Payment protocols; Details thereof
- G06Q20/40—Authorisation, e.g. identification of payer or payee, verification of customer or shop credentials; Review and approval of payers, e.g. check credit lines or negative lists
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/04—Billing or invoicing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0613—Third-party assisted
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q30/00—Commerce
- G06Q30/06—Buying, selling or leasing transactions
- G06Q30/0601—Electronic shopping [e-shopping]
- G06Q30/0633—Lists, e.g. purchase orders, compilation or processing
-
- G—PHYSICS
- G06—COMPUTING; CALCULATING OR COUNTING
- G06Q—INFORMATION AND COMMUNICATION TECHNOLOGY [ICT] SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES; SYSTEMS OR METHODS SPECIALLY ADAPTED FOR ADMINISTRATIVE, COMMERCIAL, FINANCIAL, MANAGERIAL OR SUPERVISORY PURPOSES, NOT OTHERWISE PROVIDED FOR
- G06Q40/00—Finance; Insurance; Tax strategies; Processing of corporate or income taxes
- G06Q40/04—Trading; Exchange, e.g. stocks, commodities, derivatives or currency exchange
Landscapes
- Business, Economics & Management (AREA)
- Accounting & Taxation (AREA)
- Finance (AREA)
- Engineering & Computer Science (AREA)
- Theoretical Computer Science (AREA)
- Strategic Management (AREA)
- Physics & Mathematics (AREA)
- General Business, Economics & Management (AREA)
- General Physics & Mathematics (AREA)
- Development Economics (AREA)
- Economics (AREA)
- Marketing (AREA)
- Computer Security & Cryptography (AREA)
- Technology Law (AREA)
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
- Two-Way Televisions, Distribution Of Moving Picture Or The Like (AREA)
- Diaphragms For Electromechanical Transducers (AREA)
- Transition And Organic Metals Composition Catalysts For Addition Polymerization (AREA)
- Telephonic Communication Services (AREA)
- Medicines Containing Material From Animals Or Micro-Organisms (AREA)
- Pharmaceuticals Containing Other Organic And Inorganic Compounds (AREA)
Abstract
と大きな変更なく、安全に、かつ効率的に行い、商取引
の拡大を図ること。 【解決手段】 先ずカスタマ4によりベンダー5からイ
ンターネット1上で購入された商品又はサービスに対し
てカスタマ4に課金すると共にベンダー5に送金するた
めに、プロバイダ2はカスタマ4及びベンダー5と合意
を行う。カスタマ4がインターネット1上でベンダー5
から商品又はサービスを購入したとき、トランザクショ
ン情報はプロバイダ2に送信される。プロバイダ2は次
いで、トランザクション金額をカスタマ4の課金アカウ
ントに課金し、ベンダー5に一部を送金し、差額をサー
ビスに対する料金として保持する。この結果、カスタマ
4のアカウント番号を送信する必要がなく、情報の安全
性が保持される。
Description
での商業的なトランザクション(商取引)のための課金
方法に関するものである。
ンピュータネットワークの膨大な世界的な接続である。
インターネットは特定のコンピュータあるいは接続され
たコンピュータのグループから構成されるのではなく、
特定の時間において偶然に相互接続された構成要素から
構成される。インターネットは、信号の伝送に関する一
定のプロトコルあるいは規則を有しており、正しいハー
ドウェアおよびソフトウェアを備えれば誰でもこの相互
接続の一部となることができる。
続するための技術的および財務的な必要条件は、個人の
資源を越えており、よって、インターネットアクセスプ
ロバイダとして知られているビジネスが増加している。
これらのプロバイダは、アクセスに対する料金をプロバ
イダに支払う加入者にインターネットへのアクセスを提
供するために必要とされる装置を使用させている。プロ
バイダは、その唯一のビジネスがインターネットへの接
続およびCompuserve、American On-Line、およびProdig
yのようなオンラインサービスを提示する会社を含んで
いる。加えて、電話会社およびケーブルテレビ会社がイ
ンターネットのアクセスを提供する計画があることを発
表している。プロバイダによりインターネットへの接続
を希望する当事者は、一般的には、電話ネットワーク上
でモデムを経由してプロバイダの装置に接続し、次いで
プロバイダの装置を通して、インターネットに当事者を
接続する。
日ではインターネットの主要なユーザは一般人である。
インターネットを商業のチャンネルとして利用すること
を試みる活動が多く存在する。
およびサービスをインターネット上で広告し、またイン
ターネットのユーザからこれらの商品に対する注文を要
請する。好ましい支払いの態様はクレジットカードであ
るが、秘密保全の欠如のためにインターネット上でクレ
ジットカードのアカウント情報(account information
)を伝送するには著しく好ましくない。さらに、トラ
ンザクション金額(transaction amount)が少ない場
合、例えばペニーから数ドル程度までのように、クレジ
ットカードによるトランザクションを使用することは経
済的に適したものではない。クレジットカードおよび/
または課金アカウント(billing account )が購入に使
用されている従来の電話による、郵便による、およびオ
ンラインサービスでのトランザクションと少なくとも同
様に秘密保持ができる商用的なトランザクションをイン
ターネット上で保証する必要がある。同様に、従来の電
話サービスに対して電話会社が行なっているように、イ
ンターネット上で多数の小規模のトランザクションの取
扱いができるようにする必要がある。秘密保持の欠如お
よび小さいトランザクションに対する課金の手段の欠如
はインターネットを商用的に使用するための最大の障害
である。
は、インターネット上で加入者に安全に商品や価値ある
サービスの購入および販売をするための方法を提供する
ための方法を作り出すことで、電話会社、ケーブルテレ
ビ会社、既存のインターネットアクセスプロバイダ、お
よび財務的なサービスを提供する会社に対する新しい商
機を作り出すことにある。
での範囲のトランザクション金額を有するトランザクシ
ョンのためのコスト効率的なインターネット課金方法の
提供にある。
ト上での商用的なトランザクションを課金する安全な方
法を提供することにある。
カスタマの観点およびベンダーの観点の両方において使
用が簡単であるインターネット課金方法の提供である。
的に商用的なトランザクションを行動し行っている方法
を大きく変更する必要なしに多数のインターネットユー
ザにより使用することができる課金方法の提供にある。
ンターネット課金方法により解決される。プロバイダは
カスタマと合意を行いベンダーと第2の合意をおこな
い、プロバイダは、カスタマからベンダーによりインタ
ーネット上で購入された商品およびサービスに対する課
金をするためにカスタマおよびベンダーと合意する。カ
スタマの合意と関連するものは購入が請求された1以上
の課金アカウントである。ベンダーの合意と関連するも
のは、ベンダーに資金を送る1つ以上の方法である。プ
ロバイダはプロバイダの装置を通してカスタマに対して
インターネットへのアクセスを作り出す。カスタマがベ
ンダーからインターネット上で商品あるいはサービスを
注文したとき、プロバイダは、注文された商品あるいは
サービスに関連したトランザクション金額を含むカスタ
マとベンダーとの間で伝送されたトランザクション情報
を獲得し、プロバイダは次いでトランザクション金額を
カスタマの課金アカウントに課金し、またトランザクシ
ョン金額の一部をベンダーに送金する。
スタマの間およびプロバイダとベンダーの間で行われた
合意において規定されており、あるいはトランザクショ
ン情報内で規定される。トランザクション情報内で規定
された場合、アカウントの選択はアカウントのタイプ
(例えば、「VISA」、「phone bill」)、あるいはその
アカウントの予め決定されたリスト(例えば、「第3ア
カウント(the 3rd account )」)を参照することによ
り行うことができ、伝送される実際のアカウントの番号
を必要としない。
ーネット上でカスタマの課金アカウント番号のいずれか
を含む情報を送る必要がなく、これにより当該情報の秘
密保護を行うことができる。
カスタマがクレジットカードあるいは他のアカウント番
号をインターネット上で送る必要なしに、カスタマが別
のサービスのプロバイダと契約する必要なしに、また多
くのカスタマが現在インターネット上で使用している方
法を変更する必要なしに、商人に対して、インターネッ
ト上で商品の購入および価値のあるサービスのための安
全なトランザクションを彼等のカスタマに提供すること
が可能なる。
の購入あるいはサービスを望むカスタマはインターネッ
トアクセスのプロバイダのサービスを通してインターネ
ットへのアクセスを事前にアレンジする。このようなプ
ロバイダは、例えば、そのビジネスがインターネットへ
の接続を提供することだけの会社、その1つがインター
ネットへの接続である、オンラインコンピュータサービ
スを提供する会社、ケーブルテレビ会社、あるいは電話
会社である。このようなプロバイダへのアクセスをアレ
ンジする際に、カスタマはプロバイダと、例えば、課
金、クレジットカードへの請求、インターネットへの指
定のアカウントあるいはオンラインコンピュータのサー
ビスのアカウント、ケーブルテレビのアカウント、電話
アカウント、あるいは銀行アカウントのようなより一般
的なアカウントユーザのアカウントに請求することによ
り、支払いの方法をプロバイダと合意する。
ではプロバイダの電話番号を呼び出すとともにプロバイ
ダの装置を通してインターネットに自動的に接続する、
インターネットへの接続のためのプロバイダのサービス
を使用する。
タマは、カスタマが購入したいアイテムが突き止められ
るまでブラウズし、その時点でカスタマはベンダーによ
り作られた指示に従い、トランザクション情報を交換
し、適当な作業を採ることで何かを購入することに最終
的に合意する。購入をする手順において、商品あるいは
サービスの納入の手段が確立される。商品のタイプに応
じて、納入は例えば、郵便によって(例えば、本の購入
の場合)、急配便によって(例えば、花を購入した場
合)、あるいはインターネット上での電子送信(例え
ば、電子ニューズレターあるいはソフトウェアの一部の
場合)によって行うことができる。購入トランザクショ
ンの残りの構成要素は、カスタマがベンダーに払う方法
である。
ネット上でプロバイダのカスタマに商品あるいはサービ
スを販売したいベンダーと合意を行う。プロバイダはベ
ンダーに対するこのような販売に関連した課金を行うこ
とを合意し、また合意の一部として、プロバイダとベン
ダーはプロバイダがベンダーに資金を送金する方法に関
して合意を行う。支払いの例としては、小切手による支
払い、ベンダーのクレジットカード販売アカウントへの
クレジット、あるいはベンダーのケーブルテレビアカウ
ント、電話アカウントあるいは銀行アカウントのような
ベンダーの別のアカウントへのクレジットなどが含まれ
る。クレジットされたベンダーのアカウントはプロバイ
ダにある必要はない。行われた取決めはベンダーの希望
およびプロバイダの能力に依存する。例えば、ベンダー
が多くの小さいトランザクションを予測する場合であっ
てプロバイダが電話会社である場合、いくつか仮勘定の
金額に対してはベンダーの既存の電話アカウントにクレ
ジットし、また大きい金額に対してはベンダーのクレジ
ットカードの販売アカウントにクレジットするように合
意が行われる。ベンダーが大きなトランザクションを予
想する場合には、プロバイダは小切手で支払いあるいは
ベンダーの銀行アカウントに直接クレジットするように
合意を行う。
において、カスタマの観点からは、インターネットの使
用の全ては従来通りであると思われる。プロバイダとカ
スタマとの間およびプロバイダとベンダーとの間の事前
のアレンジにより、カスタマは購入を例えば、クレジッ
トカードに対して、ケーブルテレビのアカウントに対し
て、電話アカウントに対して、あるいは銀行アカウント
に対して請求することができる。課金されるカスタマの
アカウントはプロバイダにある必要はない。例えば、カ
スタマはアクセスプロバイダとして1つの電話会社を、
また電話サービスプロバイダとして第2の電話会社を使
用し、また課金されるアカウントは第2の電話会社との
ものとする。カスタマはプロバイダへの指示によりどの
アカウントが課金されるかを指定するが、クレジットカ
ード会社、ケーブルテレビ会社、電話会社あるいはカス
タマの他のアカウント、あるいはカスタマの銀行アカウ
ントに借り方に記入する人に請求書を提出するのがベン
ダーでなくてプロバイダであり、またプロバイダはカス
タマおよびベンダーとの事前のアレンジの間にカスタマ
およびベンダーの両方の適当なアカウント番号をすでに
得ていることから、カスタマあるいはベンダーはいずれ
もインターネット上でアカウント番号を送信しない。プ
ロバイダはこの情報を、インターネット上で行われな
い、同様なトランザクションのために通常使用される同
じ安全な手段により適当な第三者に送信しまた送信する
ことができる。
クレジットカードにおいて電話上で行われるのと同じよ
うに安全である。ベンダーが望む場合、ベンダーはプロ
バイダに対して、カスタマから商品の発送のために提供
された住所がクレジットカードにおいて電話上で行われ
る同じトランザクションに対して行われた検証と同じ方
法で承認されていることを照合する。さらに、このよう
な検証はカスタマのアカウント番号の送信を必要としな
いので、プロバイダとベンダーが事前にそのようにアレ
ンジしている場合、インターネット上でトランザクショ
ン送信自体の一部として検証を行うことができる。
をカスタマとベンダーの間においてプロバイダの装置を
通って送信されるデータをモニタすることにより、プロ
バイダはカスタマが請求を認可したことを知ることがで
きる。これは、例えば、プロバイダにトランザクション
が完了したことを示すために、カスタマとベンダーとの
間で送信される、特定のコードを指定することにより、
行うことができる。カスタマが購入を行った場合、プロ
バイダはトランザクション金額をカスタマの承認された
アカウントに請求し、またその金額の承認された部分を
ベンダーに送り、差額を利用可能なサービスを行ったプ
ロバイダの請求とする。
び特長を添付図面を参照して以下に詳細に説明する。図
1に本発明の方法を実行するためのシステムを示す。こ
のシステムでは、インターネットは、プロバイダ2、
9、ベンダー5.1−5.n、6.1−6.nおよび
8.1−8.nおよびカスタマ4.1−4.nおよび1
0.1−10.n(nは1から多くの範囲を示す整数)
が異なる方法で接続されたネットワーク1として図式的
に示されている。
よびインターネット1に接続されており、またアクセス
ネットワーク3に接続されたカスタマ4.1−4.nお
よびベンダー6.1−6.nのためにインターネット1
にアクセスする。アクセスネットワーク3は電話ネット
ワーク、ケーブルテレビネットワーク、Compuse
rve、American On−Line、あるいは
Prodigyのようなオンラインサービスネットワー
ク、あるいは私的なインターネットアクセスネットワー
クである。同様に、プロバイダ9はアクセスネットワー
ク7およびインターネット1に接続されており、またア
クセスネットワーク7に接続されたカスタマ10.1−
10.nおよびベンダー8.1−8.nのためにインタ
ーネット1にアクセスする。ベンダー5.1−5.nは
彼等自身の装置により直接インターネット1にアクセス
する。
れば、例えば、ステップ11においてプロバイダ2は、
インターネット1に直接接続された、ベンダー5.1−
5.n、アクセスネットワーク3およびプロバイダ2を
経てインターネットにアクセスするベンダー6.1−
6.nと、またアクセスネットワーク7およびベンダー
9を経てインターネット1に接続されたベンダー8.1
−8.nと、ベンダー5.1−5.n、6.1−6.n
および8.1−8.nからインターネット上で購入した
商品およびサービスに対してカスタマ4.1−4.nに
課金するための合意を行う。プロバイダ2はまた、カス
タマ4.1−4.nのそれぞれと合意をする。これらの
合意には、プロバイダはカスタマにインターネット上で
購入した商品およびサービスに対して課金することが規
定されている。課金は合意に関連して行われた課金アカ
ウントに対して行われる。課金アカウントは例えば、ク
レジットカードアカウント、電話アカウント、ケーブル
テレビアカウント、オンラインサービスのアカウント、
あるいは銀行アカウントである。プロバイダがアカウン
トが確立された相手と課金の合意を有する場合にはプロ
バイダとのアカウントは必要としない。
サービスの一部として、カスタマはステップ12におい
て所望の時間において、一般的にはモデムと接続するこ
とにより、インターネットに接続される。インターネッ
トに接続されたならば、カスタマは、ベンダー5.1−
5.n、6.1−6.nおよび8.1−8.nのいずれ
か1つと、これらのベンダーにより提供される商品また
はサービスについて見出だすために、インターフェース
することができる。
5.1−5.n、6.1−6.nあるいは8.1−8.
nの1つから商品あるいはサービスを注文することを決
定したときには、ステップ13においてカスタマとベン
ダーとの間でトランザクション情報の交換が行われる。
この交換は、カスタマのインターネットのアドレスのよ
うなカスタマに関する情報、トランザクション金額、納
入の方法と時間を含む購入される商品またはサービスに
関する情報、および注文を識別するための参照番号を識
別することを含んでいる。ベンダーあるいはカスタマ
は、プロバイダ2により受領されたトランザクションが
完了したことを意味する検証コードを同様に生成する。
情報はプロバイダ2により獲得される。通信は、ベンダ
ーあるいはカスタマからプロバイダ2への別々の送信で
あり、あるいはプロバイダ2はカスタマとベンダーとの
間でプロバイダ2の装置を通って行われた情報の交換か
ら情報を抽出することができる。クレジットカード会社
のような第三者の承認が必要な場合には、プロバイダ2
は次いで、トランザクションが承認されたことを示すた
めに、カスタマおよびベンダーの一方あるいは両方に対
して検証情報を送信する。最も重要なことは、カスタマ
のクレジットカードあるいはアカウント番号をインター
ネット1上で連絡する必要なしに全体のトランザクショ
ンが行われることである。
スがカスタマに納入され、またステップ16において、
適当なカスタマのアカウントが課金される。ステップ1
7において、プロバイダは次いで、適当な方法で承認さ
れた支払いをベンダーに送金し、プロバイダ2によりな
されたサービスに対するサービス料として差額を保管す
る。ステップ15,16および17はどのような順序で
も行うことができる。
の方法で実行することができる。例えば、図3を参照し
て、カスタマ4.1−4.nおよび10.1−10.n
のいずれか1つの課金アカウントに課金されたベンダー
5.1とトランザクション料の一部を送金するために、
ベンダー5.1はプロバイダ2および9と送金合意を確
立することができる。
れプロバイダ9と、ベンダー6.1−6.nとカスタマ
10.1−10.nのそれぞれとの間でインターネット
上で行われたトランザクションに対する送金合意を確立
することができる。
ネットに接続する。カスタマはステップ23においてベ
ンダーとトランザクション情報を交換し、またベンダー
は、ステップ27においてベンダーがプロバイダから送
金を受領する前あるいは後のいずれかに、ステップ25
において製品あるいはサービスをカスタマに納入する。
カウントにトランザクション金額の課金をする前でトラ
ンザクション情報を獲得した後に、プロバイダは課金ア
カウントにトランザクション金額を課金するための承認
を第三者から得ることができる。これは、課金アカウン
トがクレジットカードアカウントあるいは銀行アカウン
トである場合に特に有効である。その場合、第三者、例
えばクレジットカードを発行した銀行あるいは銀行アカ
ウントが設定された人からの承認を得なければならな
い。アカウントがプロバイダとである場合、プロバイダ
自身から承認を得る。本発明の好ましい実施の形態にお
いて、承認はインターネット上で、また最も好ましくは
カスタマとベンダーとの間の通信の間に得ることができ
る。
マは、プロバイダとの間で課金合意が確立されたとき
に、特定の課金アカウント、例えばクレジットカードア
カウント、銀行アカウント、電話番号アカウント、ケー
ブルテレビアカウントあるいはオンラインサービスアカ
ウントを指定することができる。例えば、5ドルより少
ないトランザクションに対しては電話アカウントが、ま
た最低5ドルのトランザクションに対しては銀行アカウ
ントというように、特定のトランザクションに対しては
1つのアカウントを使用し、また他のトランザクション
に対しては異なるアカウントを使用する仕様を確立する
ことができる。その後、トランザクション金額が課金さ
れるときには、その特定の課金アカウントに対して課金
される。これに代えて、カスタマは、課金合意が確立さ
れるときに、複数の課金アカウント、例えばAMEXアカウ
ント、VISAアカウント、Mastercardアカウントを指定す
ることができる。トランザクション情報が通信されたと
きには、アカウントのアカウント番号を指定することな
く、トランザクション情報はこれら複数の課金アカウン
トのどれにカスタマが課金されたいのかに関する識別を
含んでいる。よって、カスタマはAMEX、VISAあるいはMa
stercardの「ブランド」名によりアカウントを単に示す
ことができ、あるいはカスタマは先にプロバイダと確立
したリストに基づいて第1のアカウント、第2のアカウ
ントあるいは第3のアカウントとしてこれを識別するこ
とができる。
イダに必ずしもある必要はない。つまり、課金アカウン
トは、クレジットカードを発行する銀行あるいはカスタ
マが銀行アカウントを有する銀行のような第三者ととも
にあることができる。これに代えて、従来の通信サービ
スに関して一般的に行われているようにプロバイダは第
1の電話会社であるが、課金アカウントは第2の電話会
社とともにあり、第1の電話会社によりカスタマの第2
の電話会社の電話番号アカウントに請求される。
クレジットカードのマーチャントアカウント、銀行アカ
ウント、電話番号アカウント、ケーブルテレビアカウン
トあるいはオンラインサービスアカウントによるもので
ある。
金アカウントを確立するステップは、トランザクション
金額の一部が送金される特定のベンダーのアカウントを
指定することを含んでいる。例えば、5ドルより少ない
トランザクションに対しては電話アカウントが、また最
低5ドルのトランザクションに対しては銀行アカウント
というように、特定のトランザクションに対しては1つ
のアカウントを使用し、また他のトランザクションに対
しては異なるアカウントを使用する仕様を確立すること
ができる。本発明の他の実施の形態において、送金合意
を確立するステップは、トランザクションアカウントの
一部を送金することができる複数のベンダーアカウント
をベンダーが指定することを含んでいる。よって、トラ
ンザクション情報が通信されたときには、ベンダーは、
特定のアカウント番号を指定することなしに、複数のベ
ンダーのアカウントのどの1つに金額が送金されるのか
を指定することができる。
アカウントあるいは銀行とのクレジットカードのマーチ
ャントアカウントあるいは銀行アカウントあるいはケー
ブルテレビ会社とのケーブルテレビアカウントのような
第三者とのアカウントとすることができる。
であり、本発明の範囲を制限するものではない。当業者
には本発明の思想および範囲を逸脱することなく種々の
変形、代替え、配置変更および変更を行うことができ
る。
ターネット上で加入者に商品や価値あるサービスの購入
および販売を安全に行うことができる。インターネット
上でのトランザクションの拡大により、電話会社、ケー
ブルテレビ会社などの既存のインターネットアクセスプ
ロバイダ、および財務的なサービスを提供する会社に対
して新しい商機を作り出すことができる。ペニーから数
ドル程度の少額範囲のトランザクション金額を有するト
ランザクションであってもコスト面で効率的に運用でき
る。インターネット上でカスタマの観点およびベンダー
の観点の両方において簡単に課金を実行できる。慣習的
に行っている商用的なトランザクションの方法を大きく
変更する必要なく、多数のインターネットユーザが利用
することができる。
ムのブロックダイヤグラムである。
フローチャートである。
Claims (15)
- 【請求項1】 複数のカスタマと、製品又はサービスの
複数のベンダーのための、複数のカスタマのうちの購入
するカスタマと複数のベンダーのうちの販売するベンダ
ーとの間のインターネット上のトランザクションのため
のインターネットの課金方法であって、購入するカスタ
マと販売するベンダーとの間の各々の購入トランザクシ
ョンのために、第1の金額が購入するカスタマに請求さ
れ、第2の金額が販売するベンダーに送金される、購入
トランザクションのための第三者による以下のステップ
から成る方法、 a)購入トランザクションのために、第三者が購入する
カスタマに請求することを許し、かつ第三者が販売する
ベンダーに送金することを許す課金合意を購入するカス
タマと確立するステップ、 b)購入トランザクションのために、第三者が購入する
カスタマに請求することを許し、かつ第三者が販売する
ベンダーに送金することを許す送金合意を販売するベン
ダーと確立するステップ、 c)第1の金額を購入するカスタマに請求することの要
求を販売するベンダーから事前に受け取ることなしに、
第1の金額を購入するカスタマに請求することの認定を
購入するカスタマからインターネット上で受け取るステ
ップ、 d)課金合意に従って、第1の金額を購入するカスタマ
に請求するステップ、 e)送金合意に従って、第2の金額を販売するベンダー
に送金するステップ。 - 【請求項2】 複数のカスタマと、製品又はサービスの
複数のベンダーのための、複数のカスタマのうちの購入
するカスタマと複数のベンダーのうちの販売するベンダ
ーとの間のインターネット上のトランザクションのため
のインターネットの課金方法であって、購入するカスタ
マと販売するベンダーとの間の各々の購入トランザクシ
ョンのために、第1の金額が購入するカスタマに請求さ
れ、第2の金額が販売するベンダーに送金される、購入
トランザクションのための以下のステップから成る第三
者による方法、 a)購入トランザクションのために、第三者が購入する
カスタマに請求することを許し、かつ第三者が販売する
ベンダーに送金することを許す課金合意を購入するカス
タマと確立するステップ、 b)購入トランザクションのために、第三者が購入する
カスタマに請求することを許し、かつ第三者が販売する
ベンダーに送金することを許す送金合意を販売するベン
ダーと確立するステップ、 c)購入するカスタマが製品又はサービスに関して販売
するベンダーから情報を要求することを許すために、購
入するカスタマと販売するベンダーとの間に、インター
ネット上で、通信リンクを提供するステップ、 d)第1の金額を購入するカスタマに請求することの要
求を販売するベンダーから事前に受け取ることなしに、
第1の金額を購入するカスタマに請求することの認定を
購入するカスタマからインターネット上で受け取るステ
ップ、 e)課金合意に従って、第1の金額を購入するカスタマ
に請求するステップ、 f)送金合意に従って、第2の金額を販売するベンダー
に送金するステップ。 - 【請求項3】 通信リンクが、第三者の装置を通じた通
信リンクから成ることを特徴とする請求項2に従ったイ
ンターネットの課金方法。 - 【請求項4】 送金のステップに先立って、購入するカ
スタマのクレジットカードアカウント番号又は購入する
カスタマの銀行アカウント番号の何れも、第三者によっ
てインターネット上で販売するベンダーへ伝達されるこ
とがないことを特徴とする請求項1に従ったインターネ
ットの課金方法。 - 【請求項5】 送金のステップに先立って、購入するカ
スタマのクレジットカードアカウント番号又は購入する
カスタマの銀行アカウント番号の何れも、第三者によっ
てインターネット上で販売するベンダーへ伝達されるこ
とがないことを特徴とする請求項2に従ったインターネ
ットの課金方法。 - 【請求項6】 送金のステップに先立って、購入するカ
スタマのクレジットカードアカウント番号又は購入する
カスタマの銀行アカウント番号の何れも、第三者によっ
てインターネット上で販売するベンダーへ伝達されるこ
とがないことを特徴とする請求項3に従ったインターネ
ットの課金方法。 - 【請求項7】 第三者が、ケーブルテレビ会社、ファイ
ナンシャルサービス提供会社、インターネットのアクセ
スプロバイダ又は電話会社の何れかであることを特徴と
する請求項1乃至6の何れかに従ったインターネットの
課金方法。 - 【請求項8】 請求のステップに先立って、購入するカ
スタマまたは販売するベンダー以外の者から第1の金額
の請求のための承認を獲得するステップをさらに含むこ
とを特徴とする請求項7に従ったインターネットの課金
方法。 - 【請求項9】 購入するカスタマまたは販売するベンダ
ー以外の者が、銀行、ファイナンシャルサービス提供会
社、クレジットカード会社、インターネットのアクセス
プロバイダ又は第三者の何れかであることを特徴とする
請求項8に従ったインターネットの課金方法。 - 【請求項10】 請求のステップが、請求書の送付、銀
行との口座、ケーブルテレビ会社との口座、ファイナン
シャルサービス提供会社との口座、クレジットカード会
社との口座、インターネットのアクセスプロバイダとの
口座、電話会社との口座又は第三者との口座の何れか、
へ請求することから成ることを特徴とする請求項7に従
ったインターネットの課金方法。 - 【請求項11】 送金のステップが、小切手の送付、銀
行との口座、ケーブルテレビ会社との口座、ファイナン
シャルサービス提供会社との口座、クレジットカード会
社との口座、インターネットのアクセスプロバイダとの
口座、電話会社との口座又は第三者との口座の何れか、
へクレジットすることから成ることを特徴とする請求項
7に従ったインターネットの課金方法。 - 【請求項12】 第2の金額が第1の金額より少額であ
ることを特徴とする請求項7に従ったインターネットの
課金方法。 - 【請求項13】 送金のステップが、請求のステップに
先立って実行されることを特徴とする請求項7に従った
インターネットの課金方法。 - 【請求項14】 複数のカスタマと、製品又はサービス
の複数のベンダーのための、複数のカスタマのうちの購
入するカスタマと複数のベンダーのうちの販売するベン
ダーとの間のインターネット上のトランザクションのた
めのインターネットの課金方法であって、購入するカス
タマと販売するベンダーとの間の各々の購入トランザク
ションのために、第1の金額が購入するカスタマに請求
され、第2の金額が販売するベンダーに送金される、フ
ァイナンシャルサービス会社による以下のステップから
成る方法、 a)購入トランザクションのために、ファイナンシャル
サービス会社が購入するカスタマに請求することを許
し、かつファイナンシャルサービス会社が販売するベン
ダーに送金することを許す課金合意を購入するカスタマ
と確立するステップ、 b)購入トランザクションのために、ファイナンシャル
サービス会社が購入するカスタマに請求することを許
し、かつファイナンシャルサービス会社が販売するベン
ダーに送金することを許す送金合意を販売するベンダー
と確立するステップ、 c)第1の金額を購入するカスタマに請求することの要
求を販売するベンダーから事前に受け取ることなしに、
第1の金額を購入するカスタマに請求することの認定を
購入するカスタマからインターネット上で受け取るステ
ップ、 d)課金合意に従って、第1の金額を購入するカスタマ
に、銀行アカウントへの請求、クレジットカードアカウ
ントへの請求又はファイナンシャルサービス会社とのア
カウントへの請求の何れかにより、請求するステップ、 e)送金合意に従って、購入するカスタマのクレジット
カードアカウントの番号又は購入するカスタマの銀行ア
カウントの番号の何れをもインターネット上で事前に販
売するベンダーに伝達することなしに、第2の金額を販
売するベンダーに送金するステップ。 - 【請求項15】 複数のカスタマと、製品又はサービス
の複数のベンダーのための、複数のカスタマのうちの購
入するカスタマと複数のベンダーのうちの販売するベン
ダーとの間のインターネット上のトランザクションのた
めのインターネットの課金方法であって、購入するカス
タマと販売するベンダーとの間の各々の購入トランザク
ションのために、第1の金額が購入するカスタマに請求
され、第2の金額が販売するベンダーに送金される、フ
ァイナンシャルサービス会社による以下のステップから
成る方法、 a)購入トランザクションのために、ファイナンシャル
サービス会社が購入するカスタマに請求することを許
し、かつファイナンシャルサービス会社が販売するベン
ダーに送金することを許す課金合意を購入するカスタマ
と確立するステップ、 b)購入トランザクションのために、ファイナンシャル
サービス会社が購入するカスタマに請求することを許
し、かつファイナンシャルサービス会社が販売するベン
ダーに送金することを許す送金合意を販売するベンダー
と確立するステップ、 c)購入するカスタマが製品又はサービスに関して販売
するベンダーから情報を要求することを許すために、購
入するカスタマと販売するベンダーとの間に、インター
ネット上で、通信リンクを提供するステップ、 d)第1の金額を購入するカスタマに請求することの要
求を販売するベンダーから事前に受け取ることなしに、
第1の金額を購入するカスタマに請求することの認定を
購入するカスタマからインターネット上で受け取るステ
ップ、 e)課金合意に従って、第1の金額を購入するカスタマ
に、銀行アカウントへの請求、クレジットカードアカウ
ントへの請求又はファイナンシャルサービス会社とのア
カウントへの請求の何れかにより、請求するステップ、 f)送金合意に従って、購入するカスタマのクレジット
カードアカウントの番号又は購入するカスタマの銀行ア
カウントの番号の何れをもインターネット上で事前に販
売するベンダーに伝達することなしに、第2の金額を販
売するベンダーに送金するステップ。
Applications Claiming Priority (2)
Application Number | Priority Date | Filing Date | Title |
---|---|---|---|
US08/499,535 US5794221A (en) | 1995-07-07 | 1995-07-07 | Internet billing method |
US08/499,535 | 1995-07-07 |
Related Parent Applications (1)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP50580397A Division JP2000505568A (ja) | 1995-07-07 | 1996-06-06 | インターネット課金方法 |
Publications (1)
Publication Number | Publication Date |
---|---|
JP2002245365A true JP2002245365A (ja) | 2002-08-30 |
Family
ID=23985643
Family Applications (5)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP50580397A Pending JP2000505568A (ja) | 1995-07-07 | 1996-06-06 | インターネット課金方法 |
JP2001079116A Pending JP2001297266A (ja) | 1995-07-07 | 2001-03-19 | インターネット課金方法 |
JP2001079117A Pending JP2001266043A (ja) | 1995-07-07 | 2001-03-19 | インターネット課金方法 |
JP2001079118A Pending JP2001273454A (ja) | 1995-07-07 | 2001-03-19 | インターネット課金方法 |
JP2002033045A Pending JP2002245365A (ja) | 1995-07-07 | 2002-02-08 | インターネットの課金方法 |
Family Applications Before (4)
Application Number | Title | Priority Date | Filing Date |
---|---|---|---|
JP50580397A Pending JP2000505568A (ja) | 1995-07-07 | 1996-06-06 | インターネット課金方法 |
JP2001079116A Pending JP2001297266A (ja) | 1995-07-07 | 2001-03-19 | インターネット課金方法 |
JP2001079117A Pending JP2001266043A (ja) | 1995-07-07 | 2001-03-19 | インターネット課金方法 |
JP2001079118A Pending JP2001273454A (ja) | 1995-07-07 | 2001-03-19 | インターネット課金方法 |
Country Status (11)
Country | Link |
---|---|
US (22) | US5794221A (ja) |
EP (2) | EP0845125B1 (ja) |
JP (5) | JP2000505568A (ja) |
AT (1) | ATE239948T1 (ja) |
AU (1) | AU726993B2 (ja) |
CA (1) | CA2226253A1 (ja) |
DE (1) | DE69628022T2 (ja) |
DK (1) | DK0845125T3 (ja) |
IL (1) | IL122809A (ja) |
MX (1) | MX9800134A (ja) |
WO (1) | WO1997003410A1 (ja) |
Cited By (1)
Publication number | Priority date | Publication date | Assignee | Title |
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KR200464020Y1 (ko) | 2010-09-16 | 2012-12-06 | 주식회사 코커스 | 낚시용 릴의 브러쉬 브레이크장치 |
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KR200464020Y1 (ko) | 2010-09-16 | 2012-12-06 | 주식회사 코커스 | 낚시용 릴의 브러쉬 브레이크장치 |
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