JPH09282371A - Electronic payment system - Google Patents
Electronic payment systemInfo
- Publication number
- JPH09282371A JPH09282371A JP8858196A JP8858196A JPH09282371A JP H09282371 A JPH09282371 A JP H09282371A JP 8858196 A JP8858196 A JP 8858196A JP 8858196 A JP8858196 A JP 8858196A JP H09282371 A JPH09282371 A JP H09282371A
- Authority
- JP
- Japan
- Prior art keywords
- consumer
- credit card
- agency
- bank
- card company
- 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
- 238000010586 diagram Methods 0.000 description 7
- 230000001737 promoting effect Effects 0.000 description 3
- 230000008520 organization Effects 0.000 description 2
- 201000009032 substance abuse Diseases 0.000 description 1
- 238000012795 verification Methods 0.000 description 1
Landscapes
- Management, Administration, Business Operations System, And Electronic Commerce (AREA)
- Financial Or Insurance-Related Operations Such As Payment And Settlement (AREA)
Abstract
Description
【０００１】[0001]
【発明の属する技術分野】この発明は電子決済システム
に関し、関係する消費者、加盟小売店および銀行・クレ
ジットカード会社間で無理なく電子決済を行なうことが
できる電子決済システムを提供しようとするものであ
る。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an electronic payment system, and it is an object of the present invention to provide an electronic payment system capable of performing electronic payment without difficulty between related consumers, member retail stores, banks and credit card companies. is there.
【０００２】[0002]
【従来の技術】近年、通信ネットワークのめざましい普
及により、通信ネットワーク上で電子取引を行なうこと
が種々試みられてきているが、現在は通信ネットワーク
にアクセスしてディスプレイ等の上で買いたい商品を選
べるものの、購入後の決済は電話やファクシミリを通じ
て口座からの引き落としにより行なわなければならなか
った。2. Description of the Related Art In recent years, due to the remarkable spread of communication networks, various attempts have been made to conduct electronic transactions on the communication networks. Currently, users can access the communication network and select products to buy on a display or the like. However, payment after purchase had to be done by withdrawing from the account via telephone or facsimile.
【０００３】このような不便を解消するための電子決済
システムとしては、図４のように消費者、加盟小売店お
よび銀行・クレジットカード会社を結ぶ通信ネットワー
クを形成し、これに本人確認用の電子データを登録する
認証機関を付設して、加盟小売店から商品を購入するた
びに消費者が通信データ中に組み込んだ暗号データによ
って自動的に本人確認をし、加盟小売店は認証機関から
提供された本人確認用の電子データによる消費者の本人
確認をするとともに、銀行・クレジットカード会社から
支払いを受け、銀行・クレジットカード会社は消費者に
請求をして消費者から支払いを受けるようにしたものが
提案されている。As an electronic payment system for eliminating such inconvenience, a communication network connecting consumers, member retail stores and banks / credit card companies is formed as shown in FIG. A certification authority that registers data is attached, and every time a product is purchased from a member retailer, the consumer automatically verifies the identity using the encrypted data that is embedded in the communication data.The member retailer is provided by the certification authority. In addition to confirming the identity of the consumer using electronic data for identity verification, the bank / credit card company receives payment from the bank / credit card company, and the bank / credit card company bills the consumer and receives payment from the consumer. Is proposed.
【０００４】[0004]
【発明が解決しようとする課題】しかしながら、上記認
証機関を設置しても、加盟小売店に対する銀行・クレジ
ットカード会社の信用が得られにくかったり、銀行・ク
レジットカード会社のネットワークの利用価値の検証が
難しかったりして、加盟小売店が加入する上での大きな
障害となっていた。However, even if the above certification body is installed, it is difficult to obtain credit from the bank / credit card company to the member retailers, and it is not possible to verify the utility value of the network of the bank / credit card company. It was difficult and was a big obstacle for the member retailers to join.
【０００５】本人確認用の電子データを認証機関に登録
して、通信データ中に暗号データとして組み込んで本人
確認しようとしても、いわゆるハッカーに簡単に解読さ
れてしまい、当該暗号データでハッカーが電子取引する
という悪用の危険性が非常に高かった。Even if the electronic data for personal identification is registered in a certification authority and the personal data is incorporated into the communication data as encrypted data to identify the individual, it is easily decrypted by a so-called hacker, and the hacker makes an electronic transaction with the encrypted data. There was a very high risk of abuse.
【０００６】この発明の電子決済システムは従来例の上
記欠点を解消しようとするもので、加盟小売店に対する
銀行・クレジットカード会社の信用の問題、銀行・クレ
ジットカード会社のネットワークの利用価値の問題を代
行決済機関を介在させることによって回避し、加盟小売
店が無理なく加入することができ、またハッカーに簡単
に解読されて悪用されるという危険性をほとんど解消し
た電子決済システムを提供しようとするものである。The electronic settlement system of the present invention is intended to solve the above-mentioned drawbacks of the conventional example, and solves the problem of the credit of the bank / credit card company with respect to the member retail store and the problem of the utility value of the network of the bank / credit card company. It aims to provide an electronic payment system that avoids it by intervening a proxy payment institution, allows member retailers to join without difficulty, and almost eliminates the risk of being easily deciphered and abused by hackers. Is.
【０００７】[0007]
【課題を解決するための手段】すなわち、この発明の電
子決済システムは、消費者、加盟小売店および銀行・ク
レジットカード会社を結ぶ通信ネットワーク間に代行決
済機関を介在させ、この代行決済機関が消費者に別途提
供した複数の暗証番号を用いて、消費者が適宜の暗証番
号で代行決済機関を通じて加盟小売店から商品を購入
し、加盟小売店は代行決済機関に上記暗証番号による消
費者の本人確認をするとともに、代行決済機関に売上請
求し、代行決済機関は上記暗証番号による消費者の本人
確認をするとともに、銀行・クレジットカード会社に売
上請求し、銀行・クレジットカード会社は消費者に請求
をして消費者から支払いを受け、銀行・クレジットカー
ド会社は代行決済機関を通じて加盟小売店に代金支払す
るようにしたことを特徴とするものである。[Means for Solving the Problems] That is, in the electronic payment system of the present invention, a proxy payment institution is interposed between a communication network connecting consumers, member retail stores and banks / credit card companies, and the proxy payment institution consumes the money. Consumers purchase products from a member retailer through a proxy settlement institution using multiple PINs provided separately to the retailer, and the member retailer informs the agency clearing institution of the consumer's identity with the above PIN. In addition to confirming, sales will be billed to the agency clearing house, and the agency clearing house will confirm the identity of the consumer with the above-mentioned PIN and bill the bank / credit card company for sales, and the bank / credit card company will bill the consumer. After receiving the payment from the consumer, the bank / credit card company will pay the payment to the member retailer through the agency. It is an butterfly.
【０００８】また、この発明の電子決済システムは、消
費者、加盟小売店および銀行・クレジットカード会社を
結ぶ通信ネットワーク間に代行決済機関を介在させ、こ
の代行決済機関が消費者に別途提供した複数の暗証番号
を用いて、消費者が適宜の暗証番号で加盟小売店から商
品を購入し、加盟小売店は代行決済機関に上記暗証番号
による消費者の本人確認をするとともに、代行決済機関
に売上請求し、代行決済機関は上記暗証番号による消費
者の本人確認をするとともに、銀行・クレジットカード
会社に売上請求し、銀行・クレジットカード会社は消費
者に請求をして消費者から支払いを受け、銀行・クレジ
ットカード会社は加盟小売店に代金支払するようにした
ことをも特徴としている。In the electronic payment system of the present invention, a proxy payment institution is interposed between a communication network connecting consumers, member retail stores and banks / credit card companies, and the proxy payment institution separately provides a plurality of consumers. Consumers purchase products from member retailers with appropriate PINs using the above PINs, and the member retailers confirm the identity of the consumer with the above PINs and sell to the agent. Billing, the agency clearing house confirms the identity of the consumer with the above-mentioned PIN, and bills the bank / credit card company for sales.The bank / credit card company bills the consumer and receives payment from the consumer. Another feature of banks / credit card companies is that payments are made to member retailers.
【０００９】さらに、この発明の電子決済システムは上
記において、通信ネットワークがコンピュータ通信のネ
ットワークであることをも特徴としている。Further, the electronic settlement system of the present invention is also characterized in that the communication network is a computer communication network.
【００１０】この発明の電子決済システムによれば、加
盟小売店に対する銀行・クレジットカード会社の信用の
問題、銀行・クレジットカード会社のネットワークの利
用価値の問題を代行決済機関を介在させることによって
回避し、加盟小売店が無理なく加入ことができる電子決
済システムを提供可能となった。According to the electronic payment system of the present invention, the problem of the credit of the bank / credit card company with respect to the member retail store and the problem of the utility value of the network of the bank / credit card company are avoided by interposing an agency payment agency. , It has become possible to provide an electronic payment system that member retailers can join without difficulty.
【００１１】またこの発明の電子決済システムによれ
ば、代行決済機関から毎月のように提供される複数の暗
証番号から、消費者が適宜選んで決済に使用することに
より、ハッカーに簡単に解読されて悪用されるという危
険性をほとんど解消することが可能となった。Further, according to the electronic settlement system of the present invention, a consumer can appropriately select from a plurality of personal identification numbers provided by a surrogate settlement institution every month and use it for settlement so that a hacker can easily decrypt it. It has become possible to almost eliminate the risk of being abused.
【００１２】[0012]
【発明の実施の形態】以下、図面に基づき、この発明の
電子決済システムの実施の形態について説明する。BEST MODE FOR CARRYING OUT THE INVENTION Embodiments of an electronic settlement system of the present invention will be described below with reference to the drawings.
【００１３】図１は、この発明の電子決済システムの構
成を示す概略図である。FIG. 1 is a schematic diagram showing the configuration of the electronic payment system of the present invention.
【００１４】この発明の電子決済システムは、消費者
と、業種を問わずに加入した加盟小売店および銀行・ク
レジットカード会社を結ぶ通信ネットワークを利用する
ものである。この通信ネットワークは、専用回線を利用
する閉鎖的なシステムであっても、インターネットのよ
うなオープンなシステムであってもよい。The electronic settlement system of the present invention utilizes a communication network connecting consumers with member retailers and banks / credit card companies that have subscribed to regardless of the type of business. This communication network may be a closed system using a dedicated line or an open system such as the Internet.
【００１５】この発明においては、上記通信ネットワー
ク間に代行決済機関を介在させるものである。この代行
決済機関は加盟小売店に対しては入会を促して加入の促
進を図るとともに、銀行・クレジットカード会社に対し
ては加盟小売店の信用照会を可能として、銀行・クレジ
ットカード会社とのタイアップを促す機能を持つもので
ある。上記代行決済機関と加盟小売店との間では加盟契
約が交わされ、代行決済機関と銀行・クレジットカード
会社との間では包括保証契約が交わされる。In the present invention, a proxy settlement organization is interposed between the communication networks. This agency clears payments by encouraging member retailers to join the membership and encouraging them to join, while enabling banks and credit card companies to check the credits of member retailers. It has a function to promote up. Membership agreements are concluded between the above-mentioned agency clearing houses and member retailers, and comprehensive guarantee agreements are concluded between the agency clearing houses and banks / credit card companies.
【００１６】さらにこの代行決済機関は消費者に、例え
ば毎月、５〜２０程度、好ましくは約１０個からなる複
数の暗証番号を、郵送ないしファクシミリ等によって提
供する。Further, this agency payment institution provides the consumer with a plurality of personal identification numbers, for example, about 5 to 20, preferably about 10 each month by mail or facsimile.
【００１７】消費者は加盟小売店から商品を購入する
際、この複数の暗証番号の中の適当な暗証番号を、順次
あるいはランダムに用い、代行決済機関を介して加盟小
売店から商品を購入する。When a consumer purchases a product from a member retail store, the consumer purchases the product from the member retail store through the agency settlement agency by using an appropriate personal identification number among the plurality of personal identification numbers sequentially or randomly. .
【００１８】次に業種を問わずに加入した加盟小売店
は、代行決済機関を介して上記暗証番号による消費者の
本人確認をするとともに、代行決済機関を介して銀行・
クレジットカード会社に売上請求するだけであり、銀行
・クレジットカード会社に対する信用の問題に頭を悩ま
すことなく、電子決済システムを利用することができ
る。もちろん、消費者は業種を問わずに加入した加盟小
売店の、広いバリエーションの商品群の中から選択する
ことができるので、非常に大きな利用価値が認められ
る。Next, the member retailers who have joined regardless of the type of business confirm the identity of the consumer with the above-mentioned personal identification number through the agency clearing house, and also through the agency clearing house the bank
You can use the electronic payment system without having to worry about credit issues with banks and credit card companies, simply by billing the credit card company for sales. Of course, consumers can select from a wide variety of product groups of participating retailers regardless of the type of business, so that a great utility value is recognized.
【００１９】そして代行決済機関は、加盟代理店の加入
促進、加入事務等を行ないながら、この電子決済システ
ム上においては上記暗証番号による消費者の本人確認を
するとともに、銀行・クレジットカード会社に売上請求
する。[0019] Then, the agency clearing house confirms the identity of the consumer by the above-mentioned personal identification number on this electronic settlement system while promoting the joining of affiliated agencies and the enrollment affairs, and sells it to the bank / credit card company. Claim.
【００２０】また銀行・クレジットカード会社は、加盟
小売店の規模の大小や売上の推移、利益率その他の信用
の問題を回避しつつ、代行決済機関を介して加盟小売店
に代金を支払うことができる。他方、銀行・クレジット
カード会社は消費者に請求をして消費者から支払いを受
ければよい。[0020] Banks and credit card companies can pay the price to the member retailers through the agent clearing house while avoiding the size of the member retailers, changes in sales, profit margins and other credit problems. it can. On the other hand, the bank / credit card company may charge the consumer and receive the payment from the consumer.
【００２１】図２は、この発明の電子決済システムの別
の例の構成を示す概略図である。FIG. 2 is a schematic diagram showing the configuration of another example of the electronic payment system of the present invention.
【００２２】この発明の電子決済システムにおいても、
上記通信ネットワーク間に代行決済機関を介在させてい
る。この代行決済機関は加盟小売店に対しては入会を促
して加入の促進を図るとともに、銀行・クレジットカー
ド会社に対しては加盟小売店の信用を保証して、銀行・
クレジットカード会社とのタイアップを促す機能を持つ
ものである。Also in the electronic settlement system of the present invention,
An agency for settlement is interposed between the communication networks. This proxy clearing house encourages member retailers to join and promote membership, while guaranteeing the credit of the member retailers to banks and credit card companies,
It has the function of promoting tie-ups with credit card companies.
【００２３】さらにこの代行決済機関は消費者に、例え
ば毎月、５〜２０程度、好ましくは約１０個からなる複
数の暗証番号を、郵送ないしファクシミリ等によって提
供する。Further, this agency payment institution provides the consumer with a plurality of personal identification numbers of, for example, about 5 to 20, preferably about 10 each month by mail or facsimile.
【００２４】消費者は加盟小売店から商品を購入する
際、この複数の暗証番号の中の適当な暗証番号を、順次
あるいはランダムに用いて、ネットワーク上で商品購入
をすればよい。When purchasing a product from a member retail store, the consumer may purchase the product on the network by sequentially or randomly using an appropriate personal identification number among the plurality of personal identification numbers.
【００２５】次に業種を問わずに加入した加盟小売店
は、代行決済機関に上記暗証番号による消費者の本人確
認をするとともに、代行決済機関に売上請求するだけで
あり、銀行・クレジットカード会社に対する信用の問題
に頭を悩ますことなく、電子決済システムを利用するこ
とができる。Next, the member retailers who have subscribed regardless of the type of business only confirm the identity of the consumer with the above-mentioned personal identification number to the agency clearing house and make a request for sales to the agency clearing house. You can use the electronic payment system without worrying about the credit problem for.
【００２６】そして代行決済機関は、加盟代理店の加入
促進、加入事務等を行ないながら、この電子決済システ
ム上においては上記暗証番号による消費者の本人確認を
するとともに、銀行・クレジットカード会社に売上請求
する。Then, the agency clearing house confirms the identity of the consumer by using the above-mentioned personal identification number on the electronic settlement system while promoting the joining of affiliated agencies and the enrollment affairs, and sells it to the bank / credit card company. Claim.
【００２７】また銀行・クレジットカード会社は、加盟
小売店の規模の大小や売上の推移、利益率その他の信用
の問題を回避しつつ、加盟小売店に代金を支払うことが
できる。他方、銀行・クレジットカード会社は消費者に
請求をして消費者から支払いを受ければよい。Further, the bank / credit card company can pay the member retail store while avoiding the size of the member retail store, the change in sales, the profit ratio and other credit problems. On the other hand, the bank / credit card company may charge the consumer and receive the payment from the consumer.
【００２８】図３は、この発明の電子決済システムのハ
ード構成を示す概略図である。FIG. 3 is a schematic diagram showing the hardware structure of the electronic settlement system of the present invention.
【００２９】この実施例の電子決済システムにおいて
は、多数の加盟小売店１をプロバイダー（ネットワーク
接続業者）２を介して通信ネットワークに組み込んでい
る。そして加盟小売店１は、自社のホームページを通信
ネットワークに開放しており、消費者３はこのホームペ
ージに自由にアクセスし、商品情報を入手できるように
なっている。また、銀行・クレジットカード会社４も同
様に、加盟小売店１にプロバイダー２を介して通信ネッ
トワーク上で接続できるようになっている。In the electronic settlement system of this embodiment, a large number of member retail stores 1 are incorporated into a communication network via a provider (network connection company) 2. The member retail store 1 opens its homepage to the communication network, and the consumer 3 can freely access the homepage and obtain product information. Similarly, the bank / credit card company 4 can also connect to the member retail store 1 via the provider 2 on the communication network.
【００３０】また消費者３および銀行・クレジットカー
ド会社４は、互いにネットワーク上で接続できるように
なっており、同様にそれぞれ代行決済機関５にネットワ
ーク上で接続している。The consumer 3 and the bank / credit card company 4 can be connected to each other on the network, and are similarly connected to the proxy settlement organization 5 on the network.
【００３１】上記代行決済機関５は上述のように消費者
３に、例えば毎月、５〜２０程度、好ましくは約１０個
からなる複数の暗証番号を、郵送ないしファクシミリ等
によって提供する。As described above, the agency clearing house 5 provides the consumer 3 with a plurality of personal identification numbers, for example, about 5 to 20, preferably about 10 each month by mail or facsimile.
【００３２】消費者３は加盟小売店１から商品を購入す
る際、この複数の暗証番号の中の適当な暗証番号を、順
次あるいはランダムに用いて、ネットワーク上で加盟小
売店１にアクセスし、商品購入をすればよい。When the consumer 3 purchases a product from the member retail store 1, he / she accesses the member retail store 1 on the network by sequentially or randomly using an appropriate personal identification number among the plurality of personal identification numbers. All you have to do is purchase the product.
【００３３】なお、上記銀行・クレジットカード会社と
しては、都市銀行や地方銀行、その他の銀行等の種々の
金融機関のみならず、郵貯等の預金機関、銀行系および
信販系クレジットカード会社が含まれる。The above-mentioned banks and credit card companies include not only various financial institutions such as city banks, regional banks and other banks, but also depository institutions such as postal savings, bank-related and credit-related credit card companies. .
【００３４】[0034]
【発明の効果】この発明の電子決済システムによれば、
加盟小売店に対する銀行・クレジットカード会社の信用
の問題、銀行・クレジットカード会社のネットワークの
利用価値の問題を代行決済機関を介在させることによっ
て回避し、加盟小売店が無理なく加入ことができる電子
決済システムを提供可能となった。According to the electronic settlement system of the present invention,
Electronic payments by which member retailers can reasonably join by avoiding problems of credits of bank / credit card companies with respect to member retailers and problems of use value of networks of bank / credit card companies by intervening with an agency payment agency. The system can be provided.
【００３５】またこの発明の電子決済システムによれ
ば、代行決済機関から毎月のように提供される複数の暗
証番号から、消費者が適宜選んで決済に使用することに
より、ハッカーに簡単に解読されて悪用されるという危
険性をほとんど解消することが可能となった。Further, according to the electronic payment system of the present invention, a consumer can appropriately select from a plurality of personal identification numbers provided by a surrogate settlement institution every month and use it for settlement so that a hacker can easily decrypt it. It has become possible to almost eliminate the risk of being abused.
【図１】この発明の電子決済システムを示す概略図であ
る。FIG. 1 is a schematic diagram showing an electronic payment system of the present invention.
【図２】この発明の電子決済システムの別の例を示す概
略図である。FIG. 2 is a schematic diagram showing another example of the electronic payment system of the present invention.
【図３】この発明の電子決済システムのハード構成の例
を示す概略図である。FIG. 3 is a schematic diagram showing an example of a hardware configuration of the electronic payment system of the present invention.
【図４】従来の電子決済システムを示す概略図である。FIG. 4 is a schematic diagram showing a conventional electronic payment system.
１ 加盟小売店 ２ プロバイダー ３ 消費者 ４ 銀行・クレジットカード会社 ５ 代行決済機関 1 Member retailers 2 Providers 3 Consumers 4 Banks / credit card companies 5 Agent clearing houses
Claims (3)
売店および銀行・クレジットカード会社を結ぶ通信ネッ
トワーク間に代行決済機関を介在させ、この代行決済機
関が消費者に別途提供した複数の暗証番号を用いて、消
費者が適宜の暗証番号で代行決済機関を通じて加盟小売
店から商品を購入し、加盟小売店は代行決済機関に上記
暗証番号による消費者の本人確認をするとともに、代行
決済機関に売上請求し、代行決済機関は上記暗証番号に
よる消費者の本人確認をするとともに、銀行・クレジッ
トカード会社に売上請求し、銀行・クレジットカード会
社は消費者に請求をして消費者から支払いを受け、銀行
・クレジットカード会社は代行決済機関を通じて加盟小
売店に代金支払するようにしたことを特徴とする電子決
済システム。[Claim 1] An intermediary payment institution is interposed between a member retailer who has subscribed regardless of the type of consumer or industry, and a communication network connecting banks and credit card companies. Using the PIN code, the consumer purchases the product from the member retailer through the agency payment agency with the appropriate PIN code, and the member retailer confirms the identity of the consumer using the PIN number with the agency clearing agency and makes the agent settlement. Invoice the sales to the institution, and the agency payment institution confirms the identity of the consumer with the above-mentioned PIN, and also requests the bank / credit card company to make the sales, and the bank / credit card company invoices the consumer and pays from the consumer. In response to this, banks and credit card companies have made payments to member retailers through proxy payment institutions, which is an electronic payment system.
ットカード会社を結ぶ通信ネットワーク間に代行決済機
関を介在させ、この代行決済機関が消費者に別途提供し
た複数の暗証番号を用いて、消費者が適宜の暗証番号で
加盟小売店から商品を購入し、加盟小売店は代行決済機
関に上記暗証番号による消費者の本人確認をするととも
に、代行決済機関に売上請求し、代行決済機関は上記暗
証番号による消費者の本人確認をするとともに、銀行・
クレジットカード会社に売上請求し、銀行・クレジット
カード会社は消費者に請求をして消費者から支払いを受
け、銀行・クレジットカード会社は加盟小売店に代金支
払するようにしたことを特徴とする電子決済システム。2. An intermediary payment agency is interposed between a communication network connecting consumers, member retail stores and banks / credit card companies, and the agency uses the multiple personal identification numbers that are separately provided to the consumer. Person purchases the product from a member retailer with an appropriate PIN, and the member retailer confirms the consumer's identity with the above-mentioned PIN to the agent and also makes a bill to the agent to make a sales request. In addition to confirming the consumer's identity with a PIN,
An electronic device characterized by charging a credit card company for sales, the bank / credit card company billing the consumer and receiving payment from the consumer, and the bank / credit card company paying the price to a member retailer. Payment system.
ネットワークである請求項１に記載の電子決済システ
ム。3. The electronic payment system according to claim 1, wherein the communication network is a computer communication network.
Priority Applications (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP8858196A JPH09282371A (en) | 1996-04-10 | 1996-04-10 | Electronic payment system |
Applications Claiming Priority (1)
| Application Number | Priority Date | Filing Date | Title |
|---|---|---|---|
| JP8858196A JPH09282371A (en) | 1996-04-10 | 1996-04-10 | Electronic payment system |
Publications (1)
| Publication Number | Publication Date |
|---|---|
| JPH09282371A true JPH09282371A (en) | 1997-10-31 |
Family
ID=13946819
Family Applications (1)
| Application Number | Title | Priority Date | Filing Date |
|---|---|---|---|
| JP8858196A Pending JPH09282371A (en) | 1996-04-10 | 1996-04-10 | Electronic payment system |
Country Status (1)
| Country | Link |
|---|---|
| JP (1) | JPH09282371A (en) |
Cited By (23)
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|---|---|---|---|---|
| JPH11149502A (en) * | 1997-11-14 | 1999-06-02 | Fujitsu Ltd | Pay contents service providing method and system therefor and storage medium for storing pay contents service providing program and membership managing device and storage medium for storing membership management program |
| KR20000024216A (en) * | 2000-01-29 | 2000-05-06 | 유세형 | Payment Agency System of Transacting a Sale over a Network of Computers, and the Method |
| KR20000058513A (en) * | 2000-06-08 | 2000-10-05 | 이명진 | Electrical Settlement Method for Electrical Commercial Transaction |
| JP2000331095A (en) * | 2000-07-31 | 2000-11-30 | Sumitomo Credit Service Co Ltd | Distribution server of transaction request information for settlement system and method and system for settlement |
| KR20010008038A (en) * | 2000-11-03 | 2001-02-05 | 박영민 | On-line security settlement |
| WO2001046921A1 (en) * | 1999-12-21 | 2001-06-28 | Baroh.Com Co.,Ltd | Instant settlement system and method for credit card member stores |
| KR20010098145A (en) * | 2000-04-28 | 2001-11-08 | 명남수 | Agent/proxy application server system |
| WO2001095204A1 (en) * | 2000-06-08 | 2001-12-13 | Cd Cash Co., Ltd. | Electronic commerce system and method using credit card |
| KR20010114061A (en) * | 2000-06-20 | 2001-12-29 | 허장현 | Settlement method for transactions between remote agents through escrow and thereof system |
| KR20020008698A (en) * | 2000-07-25 | 2002-01-31 | 서석배 | Method and system for credit purchasing of electronic commerce on the internet |
| JP2002092529A (en) * | 2000-09-20 | 2002-03-29 | Omron Corp | Physical distribution settlement method, physical distribution settlement system and settlement device |
| KR20030009736A (en) * | 2001-07-23 | 2003-02-05 | 김정덕 | Payment method of the credit transaction contents by the internet and system thereof |
| KR100376606B1 (en) * | 2000-05-23 | 2003-03-26 | 김준현 | Electronic payment system based on internet |
| JP2003216874A (en) * | 2002-01-25 | 2003-07-31 | Ufj Holdings Inc | Card management system |
| KR20040002035A (en) * | 2002-06-29 | 2004-01-07 | 주식회사 뉴-비지니스시스템 | Electronic settlement system and method for protecting credit card information |
| KR100420181B1 (en) * | 2000-06-01 | 2004-03-02 | 신상익 | Electronic payment method and apparatus thereof |
| KR20040027232A (en) * | 2002-09-27 | 2004-04-01 | 한경구 | Remote payment system by proxy using a mobile phone and method thereof |
| KR100433058B1 (en) * | 2001-01-18 | 2004-05-24 | 김성호 | dealing method of goods using electronic dealing system |
| KR100469851B1 (en) * | 2002-01-16 | 2005-02-02 | 윤태국 | An agency settlement system |
| US7308424B2 (en) | 2001-03-12 | 2007-12-11 | Ricoh Company, Ltd. | Electronic commerce system and electronic commerce method |
| KR100806570B1 (en) * | 2000-05-22 | 2008-03-03 | 주식회사 비즈모델라인 | Payment Sever For Credit Cards Via Internet |
| JP2012022703A (en) * | 1999-10-01 | 2012-02-02 | Cardinalcommerce Corp | Safe and efficient payment processing system |
| US9430769B2 (en) | 1999-10-01 | 2016-08-30 | Cardinalcommerce Corporation | Secure and efficient payment processing system |
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1996
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|---|---|---|---|---|
| JPH11149502A (en) * | 1997-11-14 | 1999-06-02 | Fujitsu Ltd | Pay contents service providing method and system therefor and storage medium for storing pay contents service providing program and membership managing device and storage medium for storing membership management program |
| US10872343B2 (en) | 1999-10-01 | 2020-12-22 | Cardinalcommerce Corporation | Secure and efficient payment processing system |
| US9430769B2 (en) | 1999-10-01 | 2016-08-30 | Cardinalcommerce Corporation | Secure and efficient payment processing system |
| US8676694B2 (en) | 1999-10-01 | 2014-03-18 | Cardinalcommerce Corporation | Secure and efficient payment processing system |
| JP2012022703A (en) * | 1999-10-01 | 2012-02-02 | Cardinalcommerce Corp | Safe and efficient payment processing system |
| WO2001046921A1 (en) * | 1999-12-21 | 2001-06-28 | Baroh.Com Co.,Ltd | Instant settlement system and method for credit card member stores |
| KR20000024216A (en) * | 2000-01-29 | 2000-05-06 | 유세형 | Payment Agency System of Transacting a Sale over a Network of Computers, and the Method |
| KR20010098145A (en) * | 2000-04-28 | 2001-11-08 | 명남수 | Agent/proxy application server system |
| KR100806570B1 (en) * | 2000-05-22 | 2008-03-03 | 주식회사 비즈모델라인 | Payment Sever For Credit Cards Via Internet |
| KR100376606B1 (en) * | 2000-05-23 | 2003-03-26 | 김준현 | Electronic payment system based on internet |
| KR100420181B1 (en) * | 2000-06-01 | 2004-03-02 | 신상익 | Electronic payment method and apparatus thereof |
| KR20000058513A (en) * | 2000-06-08 | 2000-10-05 | 이명진 | Electrical Settlement Method for Electrical Commercial Transaction |
| WO2001095204A1 (en) * | 2000-06-08 | 2001-12-13 | Cd Cash Co., Ltd. | Electronic commerce system and method using credit card |
| KR20010114061A (en) * | 2000-06-20 | 2001-12-29 | 허장현 | Settlement method for transactions between remote agents through escrow and thereof system |
| KR20020008698A (en) * | 2000-07-25 | 2002-01-31 | 서석배 | Method and system for credit purchasing of electronic commerce on the internet |
| JP2000331095A (en) * | 2000-07-31 | 2000-11-30 | Sumitomo Credit Service Co Ltd | Distribution server of transaction request information for settlement system and method and system for settlement |
| JP2002092529A (en) * | 2000-09-20 | 2002-03-29 | Omron Corp | Physical distribution settlement method, physical distribution settlement system and settlement device |
| KR20010008038A (en) * | 2000-11-03 | 2001-02-05 | 박영민 | On-line security settlement |
| KR100433058B1 (en) * | 2001-01-18 | 2004-05-24 | 김성호 | dealing method of goods using electronic dealing system |
| US8190484B2 (en) | 2001-03-12 | 2012-05-29 | Ricoh Company, Ltd. | Electronic commerce system and electronic commerce method |
| US7308424B2 (en) | 2001-03-12 | 2007-12-11 | Ricoh Company, Ltd. | Electronic commerce system and electronic commerce method |
| KR20030009736A (en) * | 2001-07-23 | 2003-02-05 | 김정덕 | Payment method of the credit transaction contents by the internet and system thereof |
| KR100469851B1 (en) * | 2002-01-16 | 2005-02-02 | 윤태국 | An agency settlement system |
| JP2003216874A (en) * | 2002-01-25 | 2003-07-31 | Ufj Holdings Inc | Card management system |
| KR20040002035A (en) * | 2002-06-29 | 2004-01-07 | 주식회사 뉴-비지니스시스템 | Electronic settlement system and method for protecting credit card information |
| KR20040027232A (en) * | 2002-09-27 | 2004-04-01 | 한경구 | Remote payment system by proxy using a mobile phone and method thereof |
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