JP2000207466A - An electronic commerce method and electronic commerce means via an electronic commerce document, and a recording medium on which a program is recorded. - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide an e-commerce method and an e-commerce means in which the risk of fraud in business transaction processing via a communication network is solved and which is trusted by sellers and buyers. An electronic commerce is performed between an information seller 11 and an information consumer 12 using an information distributor 13 as an intermediary, and a preparation process 30 up to creation of a quote document 33 electronically describing sales conditions. And contract processing 40 up to creation of a contract document 45 electronically describing the contract conditions, delivery processing 50 in which the information seller 11 delivers the product 51 to the information consumer 12 based on the contract conditions, and payment for the product 51. Payment from the information consumer 12 to the information seller 12 is performed using the electronically described electronic commerce document, and the information consumer 12 and the information seller 1
1 and the commercial transaction distributor and 13 make an electronic signature, mutually confirm and electronically save.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to non-face-to-face electronic commerce, and more particularly, to electronic commerce through a provider of an electronic commerce system.

[0002]

2. Description of the Related Art As a commercial transaction technique performed on an electronic system via a communication network, an SSL (Secure) for encrypting a communication path on the Internet to prevent eavesdropping of information is known.
Socket Layer). SSL is simply a technology for preventing wiretapping of a communication path, and has no function of managing the commercial transaction itself.

[0003] In addition, SET (Secure) is a technology for performing credit card payment on the Internet.
Electronic Transaction). SET is a technology for using credit card payment as a payment method, and does not support other payment methods.
In addition, it does not manage the handling of the subsequent denial of the contract contents and the delivery of purchased items.

[0004] As described above, a system which integrally manages from exchange of contract preparation information to conclusion of a contract, payment processing, and delivery of goods, and which pays attention to fairness including a provider of an electronic commerce system, is currently being developed. It has not been.

[0005]

In general, when a commercial transaction is performed, a series of processes such as "contract", "payment", and "delivery" are performed in a business transaction such as an order / order / invoice / delivery note. It is performed normally with the exchange of documents,
Commerce is completed for the first time.

[0006] In the case where such a transaction is to be performed on an electronic system via a communication network, the transaction is terminated until the end due to an accident such as an interruption of the transaction or an illegal act such as falsification of a digitized document. There is a risk of not being performed correctly.
Among these, the falsification of data by the seller and the buyer who are the parties to the commercial transaction, the subsequent denial of the contract, and the falsification of data by the provider of the electronic system that conducts the commercial transaction,
It is a problem that involves the fundamentals of commercial transactions. In particular, if the mediator that assumes neutrality is also the provider of the e-commerce system and performs the payment processing of the buyer and the delivery of the merchandise information on behalf of the buyer, the mediator presents different information to the seller and the buyer You can benefit from doing so. In this case, the broker may not be able to clearly point out and prove the wrongdoer by the seller and the buyer while gaining profit. In other words, conversely, even in a case where the mediator is not responsible in the event of an accident, there is also a problem that the mediator cannot prove that he or she is not responsible.

An object of the present invention is to provide an electronic commerce method and an electronic commerce means in which the risk of fraud in commercial transaction processing via a communication network is solved and which is trusted by sellers and buyers.

[0008]

An electronic commerce method according to the present invention is an electronic commerce method using a communication network, wherein the electronic commerce includes an information seller who is a seller of a product and a person who wants to purchase the product. Between the information consumer and the information consumer, the preparation process up to the creation of an estimate document in which the sales conditions are described electronically, and the preparation of the contract document in which the contract conditions are described electronically. The contract processing, the delivery processing in which the information seller delivers the product to the information consumer based on the contract conditions, and the payment processing in which the information consumer pays the price of the product from the information consumer to the information seller are described electronically. This is done using commerce documents, and e-commerce documents that are important for commerce include information consumers,
The information seller and the commercial transaction distributor make an electronic signature, mutually confirm and store electronically. In the preparatory process, the parties exchange information necessary for conducting e-commerce described in e-commerce documents, such as information on sellers and information consumers themselves, information on the contents of goods to be traded, information on delivery date and payment terms, and The seller creates a quote document in which information necessary for the transaction contract is described as an electronic commerce document, and the contract process is a quote document in which information necessary for the transaction contract created by the preparation process is described. Based on the e-commerce document, a contract document in which information necessary for executing the contract of the contracted product is described is created as an e-commerce document, a predetermined electronic signature is performed between the parties, and the parties electronically save the document. It may be processing.

In the delivery process, based on an e-commerce document which is a contract document in which information necessary for executing a product transaction contract is described, an information seller can convert an e-commerce document in which items necessary for delivery of a product are described. Create and deliver the goods to the information consumer based on the e-commerce document, and the information consumer gives the information distributor an electronic signature on the e-commerce document that describes the items necessary for delivery of the goods, and The process may be passed to the information seller via
The payment may be performed after the payment is confirmed, the product is content information that can be distributed electronically, the information may be distributed electronically using a communication network, and the distribution of the product may be performed via communication. It may be performed physically without going through a network.

The settlement of the payment for the payment process is performed by electronic money, and the information consumer makes an electronic payment of the payment process request based on an electronic commerce document which is a contract in which information necessary for executing a transaction contract for the product is described. Creates a business transaction document and passes it to the information distributor, who transfers the specified electronic money from the information consumer's electronic wallet to the information seller's electronic wallet based on the electronic transaction document of the payment processing request, and After confirming the payment, the seller creates an e-commerce document for confirmation of receipt of the payment, electronically signs it, passes it to the information consumer via the information distributor, and may save it electronically by the party, and the payment processing of the payment processing Is performed on behalf of a predetermined financial institution, and the information consumer requests a payment on behalf of the predetermined financial institution based on an e-commerce document in which information necessary for executing a transaction contract for the product is described. The e-commerce document of the payment processing request is created and passed to the information distributor, and the information distributor requests a designated financial institution for the agency payment based on the e-commerce document of the payment processing request, and the financial institution issues a payment certificate. Upon receipt of the information, the delivery party may electronically store the information on the electronic signature to the information distributor and the information consumer, and the payment of the payment processing is performed by a transfer processing via a predetermined financial institution. In accordance with the e-commerce document in which the information necessary to execute the transaction contract for the product is described, the information consumer performs the transfer procedure to the financial institution in the prescribed procedure, and then the e-commerce document in which the payment contents are described. After the receipt of the payment, the information seller creates an e-commerce document for confirming the receipt of the payment, electronically signs the information, and sends the information via the information distributor. Passing the parties to the consumer may be stored electronically.

[0011] The electronic commerce means of the present invention uses a communication network between an information seller who is a seller of a product and an information consumer who is a purchaser of the product using an information distributor as an intermediary. Means for e-commerce using the e-commerce document, the e-commerce is performed via a server of an information distributor and a client of an information seller and an information consumer connected via a network, The server is an input / output unit for inputting / outputting information including an electronic commerce document, a document creating unit for creating an electronic commerce document necessary for electronic commerce, and performing an electronic signature on the created or received electronic commerce document. An electronic signature unit, a document organizing unit that organizes created or received electronic commerce documents in a predetermined procedure for storage, and a commercial transaction that electronically saves electronic commerce documents in a predetermined procedure. A document storage unit, and a control unit that controls the operation of each unit. The client of the information seller and the information consumer is an input / output unit that is a means for executing input / output of information including an electronic commerce document. A document creation unit for creating an e-commerce document necessary for the electronic commerce document, an electronic signature unit for performing an electronic signature on the created or received e-commerce document, a document storage unit for electronically saving the e-commerce document in a predetermined procedure, and various units. And a control unit for controlling the operation of.

According to the present invention, an information distributor, who is a provider of an electronic commerce system that performs the role of a notary public and a party involved in a commercial transaction, uses the secret information held by each of them to create an electronic form in which the commercial transaction information is written. Electronically sign the document, and based on the document with this transaction information, the e-commerce system will follow the transaction procedure, "quotation", "order", "delivery note", "invoice", " Electronically created business transaction documents such as `` Receipts '' are created sequentially in a form inheriting the information of the previous stage transaction documents, and the contracting parties and intermediaries give these documents electronic signatures, and The most main feature is to manage the status of commercial transactions based on the sequentially created commercial transaction documents.

This differs from the prior art in that it is possible to detect the falsification of the transaction document by the seller / buyer or the intermediary who is the party to the commercial transaction on the way, and prevent the parties to the commercial transaction from denial after the fact.

[0014] Electronic signatures on electronically created business documents by sellers and buyers who are parties to electronic commerce are:
This is an act of approving the contents of the commercial transaction document. This action confirms that the seller and the buyer have indeed approved themselves. On the other hand, an electronic signature on a commercial transaction document created electronically by an intermediary prevents the contents of the commercial transaction document from being tampered with, including the seller and the buyer, and prevents subsequent denial.

[0015] Furthermore, from the stage of preparation for information exchange for commercial transactions to the contract, payment processing, and delivery of commodities are managed collectively as a series of flows. Therefore, with regard to the falsification of electronically created commercial transaction documents, it is possible to realize the falsification impossibility not only for third parties but also for parties of business transactions such as sellers and buyers and intermediaries. Can easily manage the execution of contracts that have been made.

By the above-described operation, the risk of fraud in commercial transaction processing via a communication network, which is the object of the present invention, can be avoided or complicated, and secure and reliable electronic commerce can be performed. Become.

[0017]

Next, embodiments of the present invention will be described with reference to the drawings. FIG. 1 is a schematic configuration diagram showing a framework of e-commerce via an e-commerce document for implementing an embodiment of the present invention. The merchandise that is the target of the e-commerce system according to the present embodiment is a merchandise that can be distributed electronically, and the players of the transactions are the information seller 11 as the merchandise seller and the information consumer 1 as the merchandise buyer.
2 and the information distributor 13 as an intermediary.
The information seller 11 is a corporation or an individual who owns content information, which is an electronically distributable product to be traded, and is a newspaper company, a broadcaster, a ticket seller, a software seller, music, and the like. Sellers and individuals with information worth selling. The information consumer 12 is a company or individual who purchases content information, and the purchased content information can be used under specific restrictions. The information distributor 13 is a provider of the electronic commerce system, and mediates the commercial transaction between the information seller 11 and the information consumer 12.
All information 20 exchanged between 1 and the information consumer 12
Is distributed through the information distributor 13 as a medium.

Although the preferred embodiment of electronic commerce has been described above with respect to products that can be distributed electronically, this electronic commerce system is naturally applicable to transactions of physical goods delivered by a logistics company. Is possible.

FIG. 2 shows the structure of the electronic commerce between the information seller 11 and the information consumer 12 on the premise of the above-described electronic commerce framework. FIG. 2 is a schematic configuration diagram showing a mechanism of electronic commerce via an electronic commerce document for implementing the embodiment of the present invention. E-commerce generally includes "prepare" 30, "contract" 40, "delivery" 50,
It is completed through the stage of "payment" 60. The order of "delivery" and "payment" depends on the content of the contract, and here "payment" is performed after "delivery", but "delivery" is performed after "payment" What is called advance payment may be used. FIG. 3 is a schematic configuration diagram showing a flow of information of electronic commerce via an electronic commerce document for implementing the first embodiment of the present invention. In the first embodiment, the merchandise is content information that can be delivered electronically, payment is made after the merchandise is delivered, and payment is made with electronic money in a wallet (electronic wallet).

At the first stage of "preparation" 30, information necessary for conducting electronic commerce, for example, information seller 1
1, information about the information consumer 12 itself, information about the name, price, and function of the product (information content) 51 to be traded, delivery time or payment method, date, etc. are described in an electronically created commercial transaction document. Exchanged between. Generally, the information seller 11 transmits product information 31 including the price and delivery date of the product, and the information consumer 12 transmits request information 32 such as the number of purchases desired and the payment method. After that, the information seller 11 creates an electronic commerce document in which information necessary for the transaction contract is described. The electronically generated commerce document at this stage is equivalent to a quote in a typical commerce transaction,
Here, it will be referred to as “electronic estimate” 33.

At the next stage of "contract" 40, "contract" 40 is made in order to reach an agreement on the exchanged transaction information including "electronic quotation" 33. For contract details,
Since it is based on the description of the electronically created transaction document exchanged in the "preparation" stage 30, the electronically created transaction document in the "contract" stage 40 can be created in a manner that inherits the description. The commercial transaction document in the “contract” 40 stage corresponds to a contract in general commercial transactions, and will be referred to as “electronic contract” 41. "Electronic contract"
41 describes, for example, information about the information seller or the information consumer, information about the name, price, and function of the information content to be traded, the delivery date, the payment date, and the method. The information itself described in the “electronic contract” 41 describing the debt to be made by the debtor is converted into an “electronic quotation” 34 in the “preparation” stage 30 in the information seller 11, the information consumer 12, Since the information is shared by the three information distributors 13, anyone may issue a draft, but here, the information distributor 13 issues a draft by inheriting the contents of the “electronic estimate” 33. And

The information distributor 13 submits the "electronic contract"
An electronic contract 41 is created by electronically signing the electronic contract 41, an electronic contract 42 is created and stored electronically, and the electronic contract is passed to one contracting party, for example, the information consumer 12. Information Consumer 1
2 confirms the contents of the “electronic contract” 42 and the electronic signature of the information distributor 13, performs its own electronic signature, creates an “electronic contract” 43, and transfers it to the information distributor 13. The information distributor 13 receives this again and hands it over to the information seller 11, which is the other contracting party. The information seller 11 confirms the contents of the “electronic contract” 43, the electronic signature of the information distributor 13 and the electronic signature of the information consumer 12, and performs his / her own electronic signature to create an “electronic contract” 44. It is stored electronically and passed to the information distributor 13.
By the processing so far, the information seller 1 is included in the “electronic contract” 44.
Electronic signatures of three persons, namely, 1. information consumer 12 and information distributor 13 are provided. The information distributor 13 transfers the “electronic contract” 44 with the electronic signature of the three parties received again to the information consumer 12 again. Information Consumer 12 "Electronic Contract" 4
4. Confirm that the electronic signatures of the three parties are attached to 4, and make an electronic signature for the fact that the electronic signature has been confirmed.
45 and store it electronically, as well as information distributor 1
3 and the information distributor 13 electronically stores it. As described above, the two parties to the contract can confirm that the electronic signature has been mutually signed for the “electronic contract” having the same contents, so that the contract is established. Further, the information distributor 13 as an intermediary can post-certify the fact that the two parties who are the contracting parties have confirmed that each other has electronically signed the “electronic contract” with the same contents. .

Next, "delivery" 50 of the information content and "payment" 60 of the consideration are performed based on the contents of the contract made by the electronic contract document 45. "Delivery" 50 and "Payment"
The order with 60 depends on the contents of the contract, but here, a case where “payment” 60 is performed after “delivery” 50 will be described.

In the “delivery” 50, a product (content information) 51 sold by the information seller 11 is directly transmitted to the information consumer 12.
To the information consumer 12 via the information distributor 13.

The information seller 11 electronically creates a “delivery request / delivery / receipt / receipt / invoice” used in a general business transaction by inheriting the contents of the “electronic contract” 44. Here, it is referred to as “electronic delivery note” 52. The created “electronic delivery note” 52 is electronically signed, and the “electronic delivery note” 5
3 is created and delivered directly to the information consumer 12 by attaching an "electronic delivery note" 53 to the "product" (content information) 51 and electronically passing it to the information consumer 12, and at the same time an "electronic delivery note" 53 is passed to the information distributor 13. In the case of delivery via the information distributor 13, an “electronic delivery note” 53 is attached to the “product” (content information) 51 and the information distributor 13
Handed over to the information distributor 13, and the “electronic delivery note” 5
The “commodity” 51 with 3 is transferred to the information consumer 12.

When the information consumer 12 receives the "goods" 51 and the "electronic delivery note" 53, the information consumer 12 creates an "electronic delivery note" 54 by performing an electronic signature on the "electronic delivery note" 53 to prove receipt. To the information distributor 13. The information distributor 13
An "electronic delivery note" with an electronic signature of this information consumer 12
54, the receipt of the goods is confirmed, and an electronic signature of the information distributor 13 is further performed to create an “electronic delivery note” 55, which is electronically stored as a “delivery processing completion confirmation”, and that information is sold. Hand over to person 11. The information seller 11 confirms that the product 51 has been received by the information consumer 12 using the “electronic delivery note” (delivery processing completion confirmation note) 55, and electronically stores it.

In “payment” 60, the information consumer 12 pays the price to the information seller 11 through the information distributor 13.
The information consumer 12 creates a “payment processing request form” 62 by referring to the “electronic delivery note” 45 also serving as an invoice in the form of inheriting the contents of the “electronic contract form” 45, and signing an electronic signature on it. Then, a “payment processing request” 63 is created, and a payment processing request is made to the information distributor 13. The information distributor 13 performs the “transfer procedure” 66 of the electronic money based on the “payment processing request form” 63 and performs the transfer processing of the “electronic money” 61 from the wallet of the information consumer 12 to the wallet of the information seller 11, The “payment processing request form” 63 is transferred to the information seller 11. The information seller 11 confirms that an appropriate amount has been deposited in its own wallet, and confirms the “payment processing request form”.
An electronic signature for confirmation of receipt is given to 63, and a “payment processing request form” 64 corresponding to a “receipt” is created, electronically stored and passed to the information distributor 13. The information distributor 13 creates a “payment processing request form” 65 by performing an electronic signature for confirmation, electronically saves it as a “payment completion certificate”, and transfers it to the information consumer 12. The information consumer 12 stores the “payment processing request” 65 as a “receipt”, and a series of electronic commerce is completed.

Next, a second embodiment will be described with reference to FIG. FIG. 4 is a schematic configuration diagram showing a flow of information of electronic commerce via an electronic commerce document for implementing the second embodiment of the present invention. In FIG. 4, parts having the same functions as those in the first embodiment are indicated by the same reference numerals. In the second embodiment, a so-called prepaid e-commerce in which payment is made before delivery of a product, in which payment is made with electronic money in a wallet (electronic wallet).

The steps of "preparation" 30 and "contract" 40 are the same as in the first embodiment, and a description thereof will be omitted. When the electronic contract document 44 is created by the information seller 11, the information seller 11 creates an “electronic bill” 67 electronically signed based on the electronic contract document 44 and transfers it to the information distributor 13.
The information distributor 13 confirms the content and transfers the “electronic bill” 67 to the information consumer 12. The information consumer 12 creates a “payment processing request” 62 by referring to the “electronic invoice” 67 in a form inheriting the contents of the “electronic contract” 45, performs an electronic signature on the “payment request” 62, and Then, a request for payment processing is made to the information distributor 13. The subsequent procedure of “payment” 60 is the same as that of the first embodiment, and the description is omitted.

The information seller 11 confirms that the proper amount has been deposited in its own wallet, performs an electronic signature of the receipt confirmation on the “payment processing request form” 63, and executes “payment” corresponding to the “receipt”. When the “processing request form” 64 is created, the “electronic delivery note” 52 is created based on the electronic contract form 44. The procedure of “delivery” 50 thereafter is the same as that of the first embodiment, and the description is omitted. The information distributor 13 receives the “electronic delivery note” 54 with the receipt confirmation signature of the “product” 51, and the information seller 11 receives the “electronic delivery note” 55 electronically signed by the information distributor 13, and a series of electronic commerce Is completed.

Next, a third embodiment will be described with reference to FIG. FIG. 5 is a schematic configuration diagram showing a flow of electronic commerce delivery via an electronic commerce document for implementing the third embodiment of the present invention. In FIG. 5, parts having the same functions as those in the first embodiment are denoted by the same reference numerals. In the third embodiment, the product 51 is not delivered electronically as electronic information, but is physically delivered to the information consumer 12 via the distributor 14. The distributor 14 is the information distributor 1
It may be one delivery department. In the third embodiment,
The steps of “preparation” 30, “contract” 40 and “payment” 60 are the same as those in the first embodiment, and a description thereof will be omitted.

The information seller 11 electronically creates a “delivery request / delivery / receipt / receipt / invoice” used in a general business transaction by inheriting the contents of the “electronic contract” 44. Here, it is referred to as “electronic delivery note” 52. The created “electronic delivery note” 52 is electronically signed, and the “electronic delivery note” 5
3 and deliver it to the information distributor 13, create a “delivery instruction” 57, and physically deliver it to the distributor 14 together with the “product” 51. The information distributor 13 transfers the “delivery instruction” 57 to the information consumer 12. Distributor 14
Delivers the "product" 51 to the information consumer 12 in accordance with the "delivery instruction" 57. In this case, the information consumer 12 may obtain a signature on the “receipt” and report the delivery to the information seller 11. The information consumer 12 receives the “electronic delivery note” 53 from the information distributor 13, and upon receiving the “product” 51 from the distributor 14, performs an electronic signature on the “electronic delivery note” 53 to certify the receipt and performs “electronic delivery”. A delivery note 54 is created and passed to the information distributor 13. The subsequent “delivery” 50 procedure is the first
The description is omitted because it is the same as that of the embodiment.

In the third embodiment, the “product” 51 is not limited to “content information” that can be delivered electronically.
The present invention can be applied to a commodity having a normal form, and can be widely used in mail-order sales currently performed via a communication network.

Next, a fourth embodiment will be described with reference to FIG. FIG. 6 is a schematic configuration diagram showing a flow of payment of electronic commerce via an electronic commerce document for implementing the fourth embodiment of the present invention. In FIG. 6, parts having the same functions as those in the first embodiment are indicated by the same reference numerals. In the fourth embodiment, the settlement of the commodity price is not electronic money but indirect payment using, for example, a credit card or a debit card, and the transfer procedure is performed by the information distributor 13 by the information consumer 12. Performed by commission. The financial institution 15 includes a payment agent company such as a card company, and the payment to the information seller 11 is made by the financial institution 15 in advance, and the financial institution 15 collects the information from the information consumer 12 at a predetermined time. There may be. In the fourth embodiment, the steps of “preparation” 30, “contract” 40, and “delivery” 50 are the same as those in the first embodiment, and a description thereof will be omitted.

When the information consumer 12 receives the electronic invoice 54 or the electronic invoice 67, the information consumer 12 prepares a "payment processing request" 62 for instructing a transfer via the financial institution 15 including a payment agency, for example, by a credit card or the like. Then, the digitally signed “payment processing request” 63 is transferred to the information distributor 13. Upon receiving the “payment processing request” 63 from the information consumer 12, the information distributor 13 requests a “transfer procedure” 66 from a predetermined financial institution 15 and sends the “payment processing request” 63 to the information seller 11. Hand over. Information distributor 13
Receives the “Payment Certificate” 74 from the financial institution 15 at the time of payment processing and creates a “Payment Certificate 75” by electronically signing it.
"Payment certificate" 75 confirms the completion of payment processing,
It is stored and passed to the information seller 11 and the information consumer. The financial institution 15 that has received the request for the “transfer procedure” 66 transfers a predetermined price to the “account” 71 of the “deposit” 70 of the information seller 11, and the “deposit” 68 of the information consumer 12 at a predetermined time. The same amount is deducted from the "account" 69.

Next, a fifth embodiment will be described with reference to FIG. FIG. 7 is a schematic configuration diagram showing a flow of payment of electronic commerce via an electronic commerce document for implementing the fifth embodiment of the present invention. In FIG. 7, parts having the same functions as those in the first embodiment are indicated by the same reference numerals. In the fifth embodiment, a method in which the information consumer 12 directly transfers the price to the information seller 11 through the financial institution 15 without using electronic money for the settlement of the product price.
In the fifth embodiment, the steps of “preparation” 30, “contract” 40, and “delivery” 50 are the same as those in the first embodiment, and a description thereof will be omitted.

When the information consumer 12 receives the electronic delivery note 54 or the electronic invoice 67, the information consumer 12 instructs the financial institution 15 to perform a "transfer procedure" 72, and when the "transfer procedure" 72 is completed, a "payment report" 73. It is created and passed to the information distributor 13. Upon receiving the “payment report” 73 from the information consumer 12, the information distributor 13 transfers the “payment report” 73 to the information seller 11. The information seller 11 has his / her "deposit" 70
After confirming that the appropriate amount has been received, an electronic signature for confirmation of receipt is made in the "payment report" 73, and a "payment report" 76 corresponding to the "receipt" is created and stored electronically. And passes it to the information distributor 13. The subsequent procedure of “payment” 60 is the same as that of the first embodiment, and the description is omitted. Here, the “payment request” 64 and the “payment request” 65 are “payment report” 76 and “payment report” 7
Read as 7.

Next, a description will be given of a first embodiment of the means for executing electronic commerce using an electronic commerce document according to the present invention. FIG. 8 is a schematic block diagram of a first embodiment of the means for executing electronic commerce via an electronic commerce document according to the present invention. Electronic commerce using the electronic commerce document of the present invention as an intermediary is performed via the server of the information distributor 13 and the clients of the information seller 11 and the information consumer 12 connected via the network 401.

The server of the information distributor 13 is the network 4
01, an input / output unit 301 such as a modem, a keyboard, a pointing device, a printer, a display, etc.
A document creation unit 302 for creating an e-commerce document necessary for e-commerce, an electronic signature unit 303 for performing an electronic signature on the e-commerce document created or received, and a predetermined for storing the created or received e-commerce document. A document arrangement unit 304 for organizing electronic commerce documents in a predetermined procedure, a commercial transaction document storage unit 305 for electronically saving electronic commerce documents in a predetermined procedure, and a control unit 306 for controlling the operation of the apparatus.

The client of the information seller 11 includes an input / output unit 101 such as a modem, a keyboard, a pointing device, a printer, and a display connected to the network 401, and a document creation unit 102 for creating an e-commerce document necessary for e-commerce. An electronic signature unit 103 for electronically signing an electronic commerce document created or received, a document storage unit 105 for electronically storing the electronic commerce document, and a control unit 106 for controlling the operation of the apparatus. 1
The client of No. 2 includes an input / output unit 201 such as a modem, a keyboard, a pointing device, a printer, and a display connected to the network 401, a document creation unit 202 for creating an e-commerce document necessary for e-commerce,
An electronic signature unit 203 for electronically signing the created or received electronic commerce document, a document storage unit 205 for electronically storing the electronic commerce document, and a control unit 206 for controlling the operation of the apparatus are provided.

The information distributor 13 can retrieve the contents and progress of the electronic commerce from the commercial transaction document storage unit 305, browse and manage it.

Next, a description will be given of a second embodiment of the means for executing electronic commerce via an electronic commerce document according to the present invention. FIG. 9 is a schematic block diagram of a second embodiment of the means for executing electronic commerce via an electronic commerce document according to the present invention. Parts having the same functions as in FIG. 8 are denoted by the same reference numerals.

FIG. 9 shows a server, which is a means for executing electronic commerce via an electronic commerce document of the present invention, as a computer constituting an apparatus, and the computer includes a modem, a keyboard, a pointing device, and a printer. , Input / output unit 310 such as a display, data processing device 320, storage device 330, and recording medium 39
0 is provided. An electronic commerce system control program using the electronic commerce document of the present invention, which can control the operation of each unit, is recorded on the recording medium 390, and the FD, CD-R
An OM, a semiconductor memory, or the like is used. The configuration of the server and the client and the electronic commerce method are the same as those in the above-described embodiment, and therefore the description is omitted.

An electronic commerce system control program that mediates electronic commerce between the information seller 11 and the information consumer 12 is read from the recording medium 390 into the data processing device 320 and controls the operation of the data processing device 320. The data processing device 320 executes the following processing under the control of the control program.

That is, a preparation process for mediating merchandise information, request information and an electronic quotation, an electronic contract are created, an electronic signature is obtained between the information consumer and the information seller, and a valid electronic contract is electronically converted. Contract processing to save the goods, management of the delivery of the goods by the electronic delivery note created by the information seller, delivery processing to save the electronic delivery note to confirm the receipt of the goods electronically, and payment processing request of the information consumer A payment process from the information consumer to the information seller by a written consignment, and electronically storing a receipt certifying the completion of the payment.

[0046]

As described above, according to the present invention,
For electronic commerce between companies or between companies and individuals via a communication network, not only falsification of electronic commerce documents exchanged with each other by third parties, but also sellers and buyers who are parties to commerce, and Has the effect that a highly reliable e-commerce system can be realized in which even a provider of the e-commerce mechanism cannot perform unauthorized data falsification or subsequent denial of a contract.

This is because a system is provided in which an important person of the electronic commerce digitally signs an important document of the electronic commerce, and each of the persons involved in the electronic commerce stores the document electronically.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram showing a framework of electronic commerce via an electronic commerce document for implementing an embodiment of the present invention.

FIG. 2 is a schematic configuration diagram showing a mechanism of electronic commerce via an electronic commerce document for implementing an embodiment of the present invention.

FIG. 3 is a schematic configuration diagram showing a flow of information of electronic commerce via an electronic commerce document for carrying out the first embodiment of the present invention.

FIG. 4 is a schematic configuration diagram showing a flow of information of electronic commerce via an electronic commerce document for implementing a second embodiment of the present invention.

FIG. 5 is a schematic configuration diagram showing a flow of electronic commerce delivery via an electronic commerce document for implementing the third embodiment of the present invention.

FIG. 6 is a schematic configuration diagram showing a flow of payment of electronic commerce via an electronic commerce document for implementing a fourth embodiment of the present invention.

FIG. 7 is a schematic configuration diagram showing a flow of payment of electronic commerce via an electronic commerce document for implementing a fifth embodiment of the present invention.

FIG. 8 is a schematic block diagram of a first embodiment of a means for executing electronic commerce via an electronic commerce document according to the present invention.

FIG. 9 is a schematic block diagram of a second embodiment of the means for executing electronic commerce via an electronic commerce document according to the present invention.

[Explanation of symbols]

 11 Information Seller 12 Information Consumer 13 Information Distributor 14 Logistics Agent 15 Financial Institution 20 Information 30 Preparation 31 Product Information 32 Request Information 33 Electronic Estimate 40 Contract 41, 42, 43, 44, 45 Electronic Contract 50 Delivery 51 Product 52, 53, 54, 55 Electronic invoice 57 Delivery instruction 60 Payment 61 Electronic money 62, 63 Payment processing request 64, 65 Payment processing request (receipt) 66 Transfer procedure 67 Electronic invoice 68, 70 Deposit 69, 71 Account 72 Transfer procedure 73 Payment report 74, 75 Payment certificate 76, 77 Payment report (receipt) 101, 201, 301 Input / output unit 102, 202, 302 Document creation unit 103, 203, 303 Electronic signature unit 105 , 205 Document storage unit 106, 206, 306 Control unit 304 Document organization unit 305 Commerce document storage unit 310 input / output device 320 data processing device 330 storage device 390 recording medium 401 network

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Claims (13)

[Claims] An electronic commerce method using a communication network, wherein the electronic commerce is carried out between an information seller who is a seller of a product and an information consumer who is a purchaser of the product. Is performed as an intermediary, the preparation process up to the creation of a quote document electronically describing the sales conditions, the contract process up to the creation of a contract document electronically describing the contract conditions, and the information seller based on the contract conditions. Performing a delivery process of delivering a product to the information consumer and a payment process of paying the price of the product from the information consumer to the information seller using an electronically described electronic commerce document. The important electronic commerce documents include the information consumer, the information seller,
An electronic commerce method, wherein the commercial transaction distributor performs an electronic signature, mutually confirms and electronically stores the electronic signature. 2. The preparatory process includes the steps of providing information relating to a seller or an information consumer himself / herself, information relating to merchandise to be traded, information relating to a delivery date and payment conditions necessary for conducting an electronic commerce described in the electronic commerce document. 2. The electronic commerce method according to claim 1, wherein the exchange is performed between parties, and the information seller creates a quote document in which information necessary for the transaction contract is described as an electronic commerce document. 3. The contract processing is based on an e-commerce document, which is an estimate document in which information necessary for the transaction contract created by the preparation processing is described. 2. The electronic commerce method according to claim 1, wherein the contract document in which is written is written as an electronic commerce document, the parties perform a predetermined electronic signature, and the parties electronically store the electronic signature. 4. The delivery process according to claim 1, wherein the information seller describes items necessary for delivery of the product based on an electronic commerce document which is a contract document in which information necessary for executing a transaction contract for the product is described. The e-commerce document is created, and the product is delivered to the information consumer based on the e-commerce document. The electronic commerce method according to claim 1, wherein the electronic commerce method is a process of signing and passing the signature to the information seller via the information distributor. 5. The electronic commerce method according to claim 4, wherein the delivery processing is performed after confirming payment of the payment processing. 6. The electronic commerce method according to claim 4, wherein the commodity is content information that can be distributed electronically, and the distribution of the information is performed electronically using the communication network. 7. The electronic commerce method according to claim 4, wherein the delivery of the product is physically performed without passing through the communication network. 8. The settlement of the payment for the payment process is performed by electronic money, and the information consumer uses an electronic commerce document which is a contract in which information necessary for executing a transaction contract of the product is described. Creates an e-commerce document for the payment processing request and transfers it to the information distributor. The information distributor sells the specified electronic money from the information consumer's e-purse based on the e-commerce document for the payment processing request to the information distributor. When the information seller confirms the payment, the information seller creates an e-commerce document for confirming the receipt of the payment, electronically signs it, passes it to the information consumer via the information distributor, and stores it electronically by the party. The electronic commerce method according to claim 1. 9. The settlement of the payment for the payment process is performed by a predetermined financial institution, and the information consumer can use an electronic commerce document in which information necessary for executing a transaction contract for the product is described. An electronic commerce document of a payment processing request for requesting proxy payment of a predetermined financial institution is created and passed to the information distributor, and the information distributor substitutes for the designated financial institution based on the electronic transaction document of the payment processing request. 2. The electronic commerce method according to claim 1, wherein a request for payment is made, and when a payment certificate is received from the financial institution, the delivery party electronically stores the electronic signature with the information distributor and the information consumer. 10. The settlement of the payment in the payment process is performed by a transfer process via a predetermined financial institution, and the information consumer can use the e-commerce document in which information necessary for executing a transaction contract for the product is described. After performing a transfer procedure to the financial institution in accordance with the predetermined procedure, an electronic commerce document in which payment details are described is created and transferred to the information seller via the information distributor, and the information sale is performed. 2. The electronic commerce method according to claim 1, wherein when the person confirms the payment, the person prepares an e-commerce document for confirming the receipt of the payment, electronically signs the information, passes the information to the information consumer via the information distributor, and stores the information electronically. . 11. An e-commerce document using a communication network, which is operated by an information distributor as an intermediary, between an information seller as a merchandise seller and an information consumer as a purchaser of the merchandise. Means for electronic commerce, wherein the electronic commerce is performed via a server of an information distributor and a client of an information seller and an information consumer connected via a network, wherein the server of the information distributor is the electronic An input / output unit for inputting / outputting information including a commercial transaction document; a document creating unit for creating an electronic commerce document required for the electronic commerce; and an electronic device for electronically signing the created or received electronic commerce document. A signature unit, a document organizing unit for organizing the created or received e-commerce document in a predetermined procedure for storage, and electronically saving the e-commerce document in a predetermined procedure A transaction document storage unit, and a control unit that controls the operation of each unit; an information seller and an information consumer client; an input / output unit that is a unit that executes input and output of information including the electronic commerce document; A document creation unit for creating an electronic commerce document required for the electronic commerce, an electronic signature unit for electronically signing the created or received electronic commerce document, and a document for electronically saving the electronic commerce document in a predetermined procedure Electronic commerce means comprising: a storage unit; and a control unit that controls the operation of each unit. 12. The electronic commerce according to claim 10, wherein the server includes a recording medium, and the operation of the control unit can be controlled by an electronic commerce system control program via an electronic commerce document recorded on the recording medium. means. 13. A recording medium on which a control program for executing an electronic commerce system for mediating electronic commerce between an information seller and an information consumer is recorded, wherein preparation for mediating product information, request information, and an electronic quotation is provided. Processing procedure, electronic contract is created, an electronic signature is obtained between the information consumer and the information seller, and a valid electronic contract is stored electronically. A delivery procedure that manages the delivery of goods using a delivery note and stores an electronic delivery note electronically to confirm receipt of the goods, and an information consumer to an information seller by outsourcing an information consumer payment request And a machine-readable recording medium storing a program for executing a payment procedure for electronically storing a receipt certifying completion of the payment, and a program for executing the procedure.