JP2002150188A - Method, device and system for commercial transaction - Google Patents

Abstract

PROBLEM TO BE SOLVED: To make it possible to smoothly settle the price of a commodity by the currency of a kind desired by both a store and a purchaser at an exchange rate on the day of purchasing the commodity via a network. SOLUTION: This system has a step for accepting a kind of paying currency to the buying desired commodity, a step for presenting the price to the purchaser by converting the price presented by a commodity purchase source into a currency value of a currency kind accepted from the purchaser at the exchange rate of the commodity burying day at different time by judging a difference from a kind of receiving currency preregistered by the store from which the commodity has been purchased, a step for issuing a request for paying the commodity buying price in a designated account of a settlement institution to the purchaser on the certified price after receiving credit by the settlement institution by receiving a confirming answer from the purchaser, and a step for transferring the commodity purchasing price to the store from which the commodity has been purchased from the settlement institution by the currency of a kind preregisterd by the store from which the commodity has been purchased.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a commercial transaction method, apparatus, and system for performing settlement of goods for purchase at various stores through a network.

[0002]

2. Description of the Related Art With the recent widespread use of the Internet, a method has been realized in which payment for various commodities is executed by exchanging electronic information through the Internet. As a representative method, US Open Market Co., Ltd. is disclosed in US Pat. No. 5,724,424 (Japanese application;
2433).

[0003]

However, in the conventional commerce methods including the e-commerce method proposed by the above-mentioned "Open Market Company" in the United States, the settlement currency desired by the store and the purchase If the type of settlement currency desired by the buyer is different, the credit card provided by the purchaser will be engaged in a credit transaction, and the store will transfer the credit from the credit company to the designated account on the store on the prescribed payment date in the currency desired by the store. For the transfer, the buyer issues a payment request to the buyer by converting it to the value of the currency that the buyer can pay or want to pay at the date specified by the credit company and the applicable exchange rate, and issues the payment date to the buyer. The payment method was to withdraw money from the buyer's designated account and deposit it into a credit company. According to such a settlement method, a foreign exchange gain or a foreign exchange loss occurs on the credit company side or the purchaser side depending on the exchange rate of the currency value. That is, since the date on which the purchaser makes a purchase contract for the product (the product purchase date) is different from the date on which the credit company converts the currency value, the exchange rate on the designated payment due date to the credit company is lower than the exchange rate on the product purchase date. In this case, the buyer and credit company will suffer a foreign exchange loss, and vice versa. In other words, according to the conventional method, it is impossible to settle at the exchange rate on the day of the product purchase. For this reason, there has been a problem that the buyer and the credit company must bear a risk due to the fluctuation of the exchange rate.

The present invention has been made in order to solve the problems of the conventional method, and an object of the present invention is to allow both a store and a purchaser to settle goods in a desired type of currency at an exchange rate. It is an object of the present invention to provide a commerce method and a device and a system for performing the method, which can be smoothly performed at a fair exchange rate on the day of purchase of a product through a network without being affected by fluctuations.

[0005]

In order to achieve the above object, a commercial transaction method according to the present invention comprises a first step of accepting a type of payment currency for a product desired to be purchased, a step of accepting the type of payment currency received and a source of the product purchase. The store determines the difference between the type of receiving currency registered in advance and if it is different, the price presented by the product purchaser is converted to the currency value of the currency type received from the purchaser on the day of product purchase. After converting at the exchange rate and presenting to the buyer, receiving the acknowledgment from the buyer and receiving the credit from the clearing house,
The third step of issuing a request for payment of the product purchase price to the designated account of the clearing house to the purchaser for the authenticated product, and the type in which the store of the product purchase source has registered the product purchase price in advance. And a fourth step of transferring from the settlement institution to the store where the product was purchased from the settlement institution. Further, the third step is a step of receiving information of the payment card presented by the purchaser from the store terminal, and transmitting the information of the received payment card and the information including the payment amount of the product desired to be purchased to the payment institution. Receiving credit at the institution. Further, the third step is a step of receiving information of the payment card presented by the purchaser from the store terminal;
The information of the accepted payment card and the information including the price of the product desired to be purchased are transmitted to the payment institution, and at the payment institution, the card type is determined as to whether the payment card is a credit card or a bank card. And receiving a credit at a payment card issuing institution corresponding to the card type. Further, the third step is characterized in that the third step includes a step of receiving the information including the unique identification information of the store where the store terminal is installed and receiving the authentication based on the store information registered in advance with the payment service institution.

Further, the commercial transaction method of the present invention comprises a first step of receiving information on the price of a product to be purchased, a type of payment currency, and information on a payment card from a store terminal; The second step of transmitting the payment currency type and payment card information to the payment institution, and receiving credit at the payment institution, and, for those authenticated by the payment institution, payment in the currency type presented by the product purchaser. Is converted into a currency value of the currency type received from the buyer at the exchange rate on the day of purchase of the product, and a third step of issuing a payment request to the designated account of the clearing house;
And a fourth step of transferring the purchase price from the settlement institution to the store of the product purchase source in the currency of the type registered in advance by the store of the product purchase source. In the third step, the information of the payment card read from the buyer's payment card and the information including the price of the product desired to be purchased are transmitted to the payment institution, and the payment card is a credit card or a bank card. Determining whether there is a certain card type, and receiving credit at a payment card issuing institution corresponding to the determined card type. Further, the third step is characterized in that the third step includes a step of receiving the information including the unique identification information of the store where the store terminal is installed and receiving the authentication based on the store information registered in advance with the payment service institution. Also,
When the payment card type is a credit card, a payment request to a designated account of a credit card issuing organization is issued in the third step.

[0007] Further, the commercial transaction device of the present invention is a first means for receiving from the store terminal the type of payment currency for the product desired to be purchased, and the reception type registered in advance by the type of the received payment currency and the store of the product purchase source. Judges the difference between the currency type and if different, converts the price presented by the product purchaser to the currency value of the currency type accepted by the purchaser at the exchange rate on the day of product purchase and sends it to the store terminal Then, after receiving the confirmation response from the store terminal and receiving the credit from the settlement institution, the second means for presenting to the purchaser, and the authenticated product is sent to the store terminal for the product to the designated account of the settlement institution. A third means for issuing a purchase price payment request to the purchaser, and transferring the product purchase price from the payment institution to the product purchase source store in the type of currency registered in advance by the store of the product purchase source. Characterized by comprising fourth and means.

Further, a first means for receiving information on the price of the product desired to be purchased, the type of payment currency, and information on the payment card from the store terminal, the information on the price of the product desired to be purchased, the type of payment currency, and the payment card The second means for transmitting the information of the payment institution to the payment institution and receiving the credit in the payment institution, and the currency in which the payment in the currency type presented by the product purchaser is accepted from the purchaser for the one authenticated by the payment institution A third means for converting into a currency value of the type at the exchange rate on the day of purchase of the product at the exchange rate on the day of purchase and issuing a payment request to the designated account of the payment institution from the payment institution; And a fourth means for making a transfer from the settlement institution to the store of the product purchase in the currency of the type set forth above. Further, the second means includes means for receiving the unique identification information of the store in which the store terminal is installed and receiving authentication based on the store information registered in advance. Further, the second means transmits the information of the payment card read from the payment card of the purchaser and the information including the price of the product desired to be purchased to the payment institution, and the payment card is a credit card or a bank card. And means for receiving credit at a payment card issuing institution corresponding to the determined card type. Further, when the payment card type is a credit card, the third means issues a payment request to a designated account of a credit card issuing institution.

Further, the commercial transaction system of the present invention includes a store terminal installed in a store, a server computer of a payment service institution connected to the store terminal via a network, and a computer of a payment institution connected to the server computer via a network. First means for receiving, from the store terminal, the type of payment currency for the product desired to be purchased, the type of payment currency received, and the type of receiving currency registered in advance by the store from which the product was purchased. Is determined, and if different, the price presented by the product purchaser is converted into the currency value of the currency type accepted from the purchaser at the exchange rate on the day of purchase of the product, and transmitted to the store terminal. After receiving the confirmation response from the store terminal and receiving the credit from the payment institution,
For the authenticated item, a third means for issuing to the purchaser a request for payment of the product purchase price to the designated account of the clearing house to the store terminal, and the store of the product purchase source registering the product purchase price in advance. And a fourth means for making a transfer from the settlement institution to the store of the product purchase in the currency of the type set forth above. Further, the server computer is
A first means for receiving the information on the price of the product desired to be purchased, the type of payment currency, and the information on the payment card from the store terminal, and the information on the received information on the price of the product desired to be purchased, the type of payment currency, and the information on the payment card are settled by a clearing house. And the second means of receiving credit at the clearing house, and, for those authenticated by the clearing house, the price in the currency type presented by the product purchaser is converted to the currency value of the currency type received from the purchaser. The third means for converting at the exchange rate on the day of product purchase, sending it to the store terminal, and issuing a payment request to the designated account of the payment institution to the purchaser, and the store of the product purchase source registering the product purchase price in advance And a fourth means for transferring from the settlement institution to the store of the product purchaser in the currency of the type set in advance. Further, the second means includes:
There is provided a means for receiving the information including the unique identification information of the store in which the store terminal is installed and receiving authentication based on the store information registered in advance with the payment service institution. Further, the store terminal is a first means for receiving the type of payment currency for the product desired to be purchased, and determines whether the type of the received payment currency is different from the type of the received currency registered in advance by the store of the product purchaser. If it is different, the second means for converting the price presented by the product purchaser into the currency value of the currency type accepted from the purchaser at the exchange rate on the day of product purchase and presenting it to the purchaser It is characterized by having. The products to be dealt with in the present invention include not only articles having a shape but also contents such as music software, computer software, video data, and services such as services.

[0010]

Embodiments of the present invention will be described below in detail with reference to the drawings. FIG. 1 is a system configuration diagram showing an embodiment of a system to which a commercial transaction method according to the present invention is applied.
01 and a plurality of store terminals 102a to 102d
And a server computer 104 in the settlement service institution 103 connected to the Internet 101, and a settlement between the seller (store) and the purchaser of the merchandise, which is performed by the store and any currency specified by the purchaser. Currency clearing house 10
5 is provided. Here, a plurality of store terminals are installed in a large-scale store, but in the present embodiment, it is assumed that one store terminal is installed for each store in order to simplify the description. The settlement institution 105 is an institution that performs settlement of the trading value of the product such as a credit company or a bank. In this embodiment, even if the currency that the seller of the product wants to receive and the currency that the buyer wants to pay are different, The currency value is exchanged according to the exchange rate on the day of purchase of the product, and a currency exchange agency that pays the seller for the purchase price of the product is included.

FIG. 2 is a diagram showing information or procedures transmitted and received among the server computer 104, the shop terminal 102, and the multi-currency settlement institution 105 in the present invention. A commercial transaction is completed in the following procedure. In addition, multi-currency settlement institution 1
05 is a currency exchange institution 1051 provided with a computer-based currency exchange system 1052, as shown in FIG.
A credit card company (or financial institution) 1053 is assumed. In addition, an encryption program 1041 and a remittance processing program 1042 for securely transmitting secret information such as a credit number are mounted in the server computer 104. Further, the server computer 104 serves as a database (DB) necessary for business transactions, such as a store information DB 1031, an exchange DB 10
32 are located in the settlement service institution 103.

The store information DB 1031 includes FIG.
(A) As shown in FIG.
01, URL 302, store ID 303, settlement currency 304
Is registered in advance. The settlement currency 304 indicates the type of currency that each store wants to pay in settlement. If the store wants to pay in Japanese yen, the currency type “Japanese yen” is registered. In the exchange DB 1032, as shown in FIG. 3B, the latest exchange rates of the currencies of each country are registered.

As shown in FIG. 4, each of the store terminals 102a to 102d includes a payment card reading unit 1021 for reading record information of a payment card 107 presented together with a product desired by a customer (product purchaser), and a price of the product. A key input unit 1022 for inputting, a display unit 1023 for displaying input information and various information necessary for settlement, a sales form printing unit 1024 for issuing a form relating to a settled product, and payment card information from the mobile phone 109 or the mobile information terminal 110. Bluetooth interface unit 102 for receiving the same information as weak radio waves
5. IrD that similarly receives the same information as the payment card information as an optical signal from the mobile phone 109 or the mobile information terminal 110
a interface unit 1026, line connection unit 1027 to the Internet 101, memory 1028, and CPU 10
29. The memory 1028 includes a store terminal payment processing program 10281, a communication program 10282 with a payment service institution, and an encryption program 10283 for encrypting payment information. Bluetooth interface 1025 and IrDa interface 10
The reason why 26 is provided is that an IC card is built in the mobile phone, and a bank account number, a credit card number, or a debit card number is stored in the IC card, and is used for settlement by transmitting the same. Is assumed. Here, the payment card 107 may be any of a cash card issued by a bank, a credit card issued by a credit card company, and a debit card issued by a bank or its affiliated institution.
In the system of this embodiment, by transmitting the read information to the multi-currency clearing house 105, the cash card, the credit card, or the debit card is automatically recognized, and according to the recognition result, Make a credit inquiry to the issuing institution of the cash card, credit card and debit card. The line connection unit 1027 has an Internet connection with the server computer 104.
01, the IP address of the shop terminal itself and the URL of the server computer 104 are set in advance. A part of the sales form printed and output by the sales form printing unit 1024 is passed to the product purchaser.

Hereinafter, information or procedures transmitted and received among the shop terminal 102, the server computer 104, and the multi-currency settlement institution 105 will be described with reference to the flowchart of FIG. 5 and FIG. First, the purchaser 106 presents the purchase desired product 108 and the payment card 107 selected from within the store to a staff member of the store terminal 102 (step 501 in FIG. 5, FIG. 5). The clerk at the store terminal 102 has purchased the desired product 10.
8 is input from the key input unit 1022 (or an input unit having an equivalent function) (step 50).
2). Next, the clerk of the store terminal 102 inputs the type of payment currency desired by the purchaser from the key input unit 1022 (or an input unit having an equivalent function) (step 503). When the type of the payment currency is input, the store terminal 102 causes the display unit 1023 to display a payment confirmation screen including the exchange rate table of the day acquired in advance from the payment service institution 103 (step 504). This exchange rate table is provided to the buyer for reference, if desired. The exchange rate table is displayed for reference by stores and purchasers, and is not essential. Next, the store terminal 102
The server computer 10 stores information on the product name, quantity, unit price, and currency type specified by the purchaser of the desired product for purchase 108.
Send to 4. The server computer 104 determines, based on the information received from the store terminal 102, whether the payment currency type specified by the purchaser is different from the payment currency type desired by the store. Then, the price presented by the store is converted into a currency value of the currency type designated by the purchaser at the exchange rate of the day, transmitted to the store terminal 102, and displayed on the display unit 1023 (step 505). The clerk of the store terminal 102 notifies the purchaser of the displayed purchase amount, and if a confirmation response of the purchaser is obtained, the payment currency is determined. However, if the confirmation response of the purchaser is not obtained, Accepts other payment currency types.

The payment confirmation screen is, for example, as shown in FIG. 6. The payment confirmation screen 601 contains information for performing payment in the currency desired by the purchaser for the commodity selected by the purchaser as the purchase commodity. Is displayed. Assuming that the desired currency on the store side is Japanese yen and the currency the buyer wishes to pay is US dollar, the exchange rate selection field 61
Select “USD” in Step 1. Then, the store terminal 102
Transmits to the server computer 104 the information of the purchaser's desired currency “USD” and the total price 608 of the purchased merchandise.
The server computer 104 refers to the exchange DB 1032 and displays the exchange rate display column 612 based on the latest exchange rate of the day, the currency type designated by the purchaser at the store for the purchase desired product of the purchaser. Is converted to the currency value of the day at the exchange rate of the day, transmitted to the store terminal 102,
It is displayed on the display unit 1023. The payment confirmation screen 601 includes
Store name 603, product name 604, unit price 605, quantity 60
6, subtotal 607, and total 608 are displayed.
The price presented at the store is replaced with the price obtained by exchanging the currency value according to the latest exchange rate on the day.
This currency value conversion processing is performed by the server computer 104.
And the method performed in the store terminal 102 are conceivable. In the present invention, either method may be used. The method performed in the store terminal 102 has an advantage that traffic between the store terminal 102 and the server computer 104 can be reduced. Store terminal 10
When the currency value is converted at the exchange rate on the day within 2, the information on the latest exchange rate on the day is distributed from the server computer 104 in a timely manner and stored in the storage means (not shown) of the store terminal 102. Will be kept. If payment in any one of the currency types is finally determined (step 506), the clerk at the store terminal causes the payment card reader 1021 to read the information on the payment card 107 presented by the purchaser (step 507). The shop terminal 102 encrypts the information of the read payment card (step 50).
8) In response to the encrypted information, information on the purchased product (product name,
Quantity, unit price, buyer's payment currency type, etc.)
It is transmitted as a purchase decision notification and a credit inquiry to the server computer 104 of the settlement service institution 103 via the line connection unit 1027 (step 50 in FIG. 2 and FIG. 5).
9). In some cases, information including purchased product information (product name, quantity, unit price, purchaser's payment currency type, etc.) is encrypted and transmitted as a credit inquiry. Further, in order to prevent leakage of confidential information such as credit card information, for example, an encryption technology using SSL (Secure Socket Layer) is used. Further, the information of the encrypted payment card and the information of the purchased product may be transmitted at different timings. In addition, the purchaser presents the purchase price in the desired settlement currency to the purchaser, and transmits the information on the purchased product and the payment card to the server computer 104 after waiting for the buyer's acknowledgment. It may be configured to transmit immediately without confirmation. The server computer 104 responds to the purchase decision notification and the credit inquiry received from the
2 is searched from the store information database 1031 for the desired settlement currency type, and the settlement currency type is added to the currency exchange institution 1051 of the multi-currency settlement institution 105.
To confirm whether the payment card presented by the purchaser is a legitimate one, and check the balance and the like (FIG. 2). The currency exchange agency 1051 analyzes the payment card information, determines whether the card is a credit card, a bank cash card, or a debit card, and authenticates the credit card company 1053 or the bank or the debit card according to the determination result. A credit request is made to the institution, and the result is returned to the server computer 104 of the settlement service institution 103 (FIG. 2). The server computer 104
Store results from the multi-currency clearing house 105
(FIG. 2). If the credit result is OK, the store terminal 102 issues a purchase request payment request to the purchaser (step 512). However, if the authentication is denied, a notice of settlement failure is sent to the purchaser (step 511). On the other hand, if the credit result is OK, the server computer 104
The credit card company 1053 (the applicable bank if the payment card is a bank card, or the relevant certification body if the payment card is a debit card) based on the purchase decision notification received from Is transmitted (of FIG. 2). For example, if the payment card is a credit card, the credit card company 1
At 053, based on the price withdrawal list received from the server computer 104, a withdrawal request for the purchase price of the product is issued to the purchaser (FIG. 2) and distributed to the purchaser by e-mail or mail. In contrast, the buyer
Deposit the purchased merchandise into a predetermined settlement account. The credit card company 1053 withdraws the purchase merchandise price of the purchaser from the account designated by the purchaser on the specified date, and sends the purchased merchandise price and the collection list to the currency exchange agency 1051. This payment collection list records at least a transaction ID, an amount, a store ID, a transaction date and time, and a currency type.
Note that the credit card company 1053 issues a request for withdrawal of the product purchase price and also issues the request from the store terminal 102, but only one of them may be used. Currency exchange system 1052 of currency exchange agency 1051
Sends the purchase price of the purchaser to the settlement service institution 103 together with the payment destination list in the currency of the currency type designated by the store terminal 102 (FIG. 2). In the settlement service institution 103, the payment procedure of the commodity purchase money received from the currency exchange institution 1052 to the designated account of the store terminal 102 is performed according to the payment destination list on the designated date based on the contract with the store terminal 102. Processing program 1042
(Step 513, FIG. 2). In this case, the payment may be made by subtracting the commission of the settlement service institution 103 from the product purchase price. The fee is based on the contract between the settlement service institution 103 and each store. Here, the process of converting the price of the product presented by the store into the currency value of the currency type specified by the purchaser is performed at the exchange rate on the day fair to both the store and the purchaser, but multi-currency At the settlement institution 105, the date of payment to the store and the date of payment from the purchaser do not always match. Accordingly, a foreign exchange gain or a foreign exchange loss occurs due to a difference between the payment date and the payment date, and the exchange gain or the foreign exchange loss is absorbed by the currency operation in the multi-currency settlement institution 105. As a result, it is possible for both the store and the purchaser to settle at a fair exchange rate without causing any exchange gain or loss due to exchange fluctuations. The authentication result of the credit card information is stored in the server computer 104 of the settlement service institution 103.
Is transmitted to the store terminal 102 via the
02, and the server computer 104 receives the notification of the purchase decision content for the authentication result from the store terminal 102c, or receives the notification of the confirmation, and determines whether or not to proceed to the issue procedure of the price withdrawal list. Good.

FIG. 7 is a flowchart showing in detail the processing procedure of the store terminal settlement processing program 10281 of the shop terminal 102. FIG. 8 is a flowchart showing the processing procedure of the server computer 104 in the settlement service institution 103 in detail. 9 is a flowchart showing the processing procedure in the multi-currency clearing house 105 in detail. In FIG. 7, first, the purchaser presents the purchase desired product selected from the store and the payment card 107 to a staff member of the store terminal 102 (step 701). The clerk of the store terminal 102 inputs the product name, quantity, and unit price of the product desired to be purchased into the key input unit 1022.
(Or an input unit having an equivalent function) (step 702). Next, the clerk of the store terminal 102 inputs the type of payment currency desired by the purchaser from the key input unit 1022 (or an input unit having an equivalent function) (step 70).
3). When the type of payment currency is entered, the store terminal 102
Causes the display unit 1023 to display a payment confirmation screen including the exchange rate table of the day acquired in advance from the payment service institution 103 as shown in FIG. 6 (step 704). This exchange rate table is provided to the buyer for reference, if desired. Next, the store terminal 102 transmits to the server computer 104 information on the product name, quantity, unit price, and currency type specified by the purchaser of the product desired to be purchased 108.
The server computer 104 determines, based on the information received from the store terminal 102, whether the payment currency type specified by the purchaser is different from the payment currency type desired by the store. Then, the price presented by the store is converted into a currency value of the currency type designated by the purchaser at the exchange rate of the day, and transmitted to the store terminal 102 (step 705). The shop terminal 102 displays the converted price (purchase amount) on the display unit 1023 (step 706). The clerk of the store terminal 102 notifies the purchaser of the displayed purchase amount, and if a confirmation response of the purchaser is obtained, the payment currency is determined. However, if the confirmation response of the purchaser is not obtained, Accepts other payment currency types. When payment in any one of the currency types is finally determined (step 707), the store terminal 102 stores its own store ID in the information of the purchased product (product name, unit price, quantity, purchaser's payment currency type, etc.). Is added to the communication program 1
0282 via the line connection unit 1027 to the server computer 104 of the settlement service institution 103,
The store is authenticated by the server computer 104 (step 709). If the authentication result of the store is NG, the process is forcibly terminated (step 710). But,
If the authentication result is OK, a payment card information input screen is displayed on the display unit 1023 (step 711),
The information of the payment card 107 presented by the purchaser is read by the payment card reader 1021 (step 712). The store terminal 102 encrypts the information of the payment card read by the encryption program 10283, and adds information of the purchased product (product name, quantity, unit price, purchaser's payment currency type, etc.) to the encrypted information, Communication program 10
The information is transmitted as a purchase decision notification and a credit inquiry to the server computer 104 of the settlement service institution 103 via the line connection unit 1027 through the line 282 (step 71).
3). In some cases, information including purchased product information (product name, quantity, unit price, purchaser's payment currency type, etc.) is encrypted and transmitted as a credit inquiry. OK for credit inquiry
Is sent from the server computer 104, the sales form printing unit 1024 issues a sales form including the purchase contents and the payment request to the purchaser (step 71).
7). However, if the credit card is not authentic, the balance in the settlement account is insufficient, or the credit limit is exceeded, the purchaser will be unable to settle if the credit is NG. A notification is made (step 716), and a series of processing ends. Payment card 1
In place of 07, the same processing is performed when credit card information for settlement, bank cash card information or debit card information is received from the mobile phone 109 or the mobile information terminal 110.

The server computer 104 of the settlement service institution 103 transmits a store ID, a product name,
When a purchase decision content notification including the number, unit price, and purchaser's payment currency type is received, the settlement processing shown in FIG. 8 is performed. First, store authentication is performed to determine whether the received store ID is registered in the store information DB 1031 (step 800). If the received store ID is a non-registered store ID, the process ends. However, the registered store ID
If so, the subsequent processing is continued (step 80).
1). Based on the information received from the store terminal 102, it is determined whether or not the payment currency type specified by the purchaser is different from the payment currency type desired by the store (step 80).
2) If different, the price presented by the store for the product desired to be purchased is converted into a currency value of the currency type designated by the purchaser at the exchange rate on the day, and transmitted to the store terminal 102; 1023 (step 803).
Then, when a purchase decision notice is received from the store terminal (step 804), the system shifts to the Web site encrypted by the encryption program 1041 (step 805), generates a payment card information input screen, and sends the payment card information input screen to the store terminal 102. Transmit (step 806). In contrast, the store terminal 102
Receives the encrypted payment card information from the customer (step 807), the payment card information is converted to purchase information D for each customer.
B (not shown) (step 809). Further, the store information database 1 identifies the settlement currency type desired by the store where the store terminal 102 is installed by the store ID.
No. 031, the settlement currency type is added to the purchased merchandise information (commodity name, quantity, unit price, purchaser's payment currency type), and the credit card is referred to the multi-currency settlement institution 105 together with the encrypted settlement card information. Send. In response to this credit inquiry, the credit processing of the multi-currency clearing house 105 (step 8)
08), if a response of credit OK or a response of credit NG is returned, the credit result is stored in the store terminal 102.
(Step 810) and record it in a purchase information database (not shown) (step 811).

On the other hand, as shown in FIG. 9, the currency exchange system 1052 of the multi-currency settlement institution 105 has purchased merchandise information (commodity name, quantity, unit price, payment currency type of buyer, and settlement currency type desired by the store). When a credit inquiry including the payment card information and the payment card information is received (step 901), the payment card information is analyzed, and it is determined whether the credit card is a credit card, a bank cash card, or a debit card (step 902). , A credit request is made to a credit card company 1053 or a bank, or a debit card certification organization (or issuance organization) (steps 903 to 905), and the result is settled to the settlement service institution 10.
3 is returned to the server computer 104 (step 9).
06). Then, the commercial transaction information for which the credit is OK is recorded in the transaction history database 910. The transaction information recorded in the transaction history database 910 includes a transaction ID, a transaction date and time, a store ID, a store settlement currency type, a store payment amount, a purchaser's payment card information, a purchaser's settlement currency type, and a purchaser. At least information on the transfer notification amount is included. The transaction history database 910 is referred to when paying the sales price of the product to the store. In addition, when the purchaser transfers the purchase price to the designated account of the settlement institution, it is used to check whether or not the transfer amount is correct. If it is not a credit inquiry, it is determined whether or not the current date and time is the due date for payment to the store (step 908). If the current date and time is the due date based on the contract between the clearing house 105 and the store 102, the transaction is made. A search is made for the payment destination stores for the day from the history database 910, the payment amounts for each of the stores are totaled, and the payment of the currency type designated by each store is remitted to the settlement service institution 103 together with the payment destination list (step). 909). This list of payment destinations is divided for each store, and each division contains information on the purchaser's payment card number, purchased product name, quantity, and amount in the order of transaction date at that store. When paying the price, these pieces of information are transmitted to each store terminal 102 as a price list. The settlement service institution 103 executes the payment procedure to the designated account of the shop terminal 102 by the remittance processing program 1042 according to the list of payees, for the purchase price of the commodity received from the multi-currency settlement institution 105. Although the transaction history of each store is recorded by the currency exchange institution 1051, the transaction history may be recorded by the settlement service institution 103, and the price of the product may be transferred to each store based on the transaction history.

FIG. 10 is a diagram showing the flow of currency corresponding to the price of a commodity traded in the above-described procedure. Here, an example in which a credit card is used as a payment card is shown. The currency corresponding to the price purchased by the purchaser is deducted from the purchaser designated account of the credit card company to the credit card company 1053. Next, the money is remitted from the credit card company 1053 to the currency exchange agency 1051. On the other hand, the currency exchange institution 1051 remits the payment to be paid to the store to the settlement service institution 103 at its own timing without waiting for the payment from the credit company 1053. The payment is transferred from the settlement service institution 103 to the store-accounting account of the store from which the product was purchased in the currency of the type in which the store is registered in the settlement service institution 103 in advance. In addition, instead of paying the purchase price for the store terminal 102 from the settlement service institution 103, as shown in FIG.
02 (FIG. 11). In this case, the payment may be made by subtracting the commission of the settlement service institution 103 corresponding to the purchase price from the list of payments issued from the server computer 104 to the credit card company 1053. Further, the settlement service institution and the currency exchange institution may not be independent but may be integrated.

As described above, the commerce system of the present embodiment basically selects the payment currency desired by the purchaser and the type of settlement currency desired by the store, and uses the selected type of currency. The settlement of the purchased merchandise is performed at the exchange rate on the day of purchase. As a result, it is possible to smoothly conduct business transactions between the store and a large number of purchasers having different types of currency for normal use. In addition, since the settlement is performed at the exchange rate on the day of purchase, a useful effect is obtained in that the settlement can be performed without causing the exchange loss caused by the fluctuation of the currency exchange rate to the purchaser, the credit company, or the like. Further, from the store side, the purchaser of the merchandise of the own store is expanded to many currency areas, and an extremely useful effect of increasing the sales amount can be obtained. Note that a series of processes executed by the server computer 104 is a computer-executable program
It can be recorded on a recording medium such as a D-ROM and provided to those who wish to establish a settlement service organization for a fee. Also CD
-It can be installed in a computer via a network instead of a recording medium such as a ROM. In addition, it goes without saying that a part of the procedure of the exchange with the seller and the purchaser of the product can be changed to a reasonable procedure by contract or consultation with the seller and the purchaser.

[0021]

As is apparent from the above description, according to the present invention, the buyer can freely select the payment currency desired by the store and the type of settlement currency desired by the store, and purchase in the selected type of currency. The settlement of the commodity is performed at the exchange rate on the day of purchase. As a result, it is possible to smoothly conduct business transactions between the store and a large number of purchasers having different types of currency for normal use. In addition, since the settlement is performed at the exchange rate on the day of purchase, a useful effect is obtained in that the settlement can be performed without causing the exchange loss caused by the fluctuation of the currency exchange rate to the purchaser, the credit company, or the like. Further, from the store side, the purchaser of the merchandise of the own store is expanded to many currency areas, and an extremely useful effect of increasing the sales amount can be obtained.

[Brief description of the drawings]

FIG. 1 is a system configuration diagram showing an embodiment of a system to which a commercial transaction method of the present invention is applied.

FIG. 2 is a diagram illustrating an example of information transmitted and received by a server computer, a store terminal, and a multi-currency settlement institution of a settlement service institution.

FIG. 3 is a diagram showing an example of the contents of a database provided in a settlement service organization.

FIG. 4 is a block diagram illustrating a configuration example of a store terminal.

FIG. 5 is a flowchart showing an outline of a commercial transaction procedure in the present invention.

FIG. 6 is a diagram illustrating an example of a payment confirmation screen for a purchased product.

FIG. 7 is a flowchart showing details of processing in the shop terminal.

FIG. 8 is a flowchart showing details of processing of a server computer in the settlement service organization.

FIG. 9 is a flowchart showing details of processing in a multi-currency clearing house.

FIG. 10 is a diagram showing an example of a flow of currency accompanying purchase of a product.

FIG. 11 is a diagram illustrating another example of information transmitted and received by the server computer, the store terminal, and the multi-currency settlement institution of the settlement service institution.

[Explanation of symbols]

101: Internet, 102a to 102d: store terminal, 103: settlement service institution, 104: server computer, multi-currency settlement institution, 105: settlement card, 103
1 Store information database, 1032 Exchange database, 1041 Encryption program, 1042 Remittance processing program, 1051 Currency exchange agency, 1052 Currency exchange system, 1053 Credit card company.

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 502 G06F 17/60 502 (72) Inventor Mitsuhiro Yokota 2-3 Minatomirai, Nishi-ku, Yokohama-shi, Kanagawa No. 5 Queen's Tower C Bldg. 18F F-term (reference) 5B049 AA02 AA05 BB11 CC36 CC39 DD01 DD04 FF03 FF09 GG02 GG04 GG06 GG07 5B055 CB09 CB12 EE03 EE12 FA05

Claims (17)

[Claims] 1. A commercial transaction method for performing payment for a desired product through a network, wherein the first method accepts a type of payment currency for the desired product.
Step, and determine the difference between the accepted currency type and the received currency type registered in advance by the store of the product purchaser, and if different, purchase the price presented by the product purchaser. The second step of converting to the currency value of the currency type received from the buyer at the exchange rate on the day of product purchase and presenting it to the buyer, receiving the acknowledgment from the buyer, receiving the credit from the payment institution, and then authenticating The third step of issuing a request for payment of the purchase price of the product to the designated account of the settlement institution to the purchaser, and the purchase type of the product registered in advance by the store of the purchase source. A fourth step of transferring the goods from the settlement institution to the store from which the goods were purchased in currency. 2. The third step is a step of receiving information of a payment card presented by a purchaser from a store terminal, and transmitting information including the information of the received payment card and a payment amount of a product desired to be purchased to a payment institution. And receiving a credit at a clearing house. 3. The third step is a step of receiving information of a payment card presented by a purchaser from a store terminal, and transmitting the information of the received payment card and information including the price of a product desired to be purchased to a payment institution. , Whether the payment card at the payment institution is a credit card,
2. The method according to claim 1, further comprising the step of determining a card type as to whether the card is a bank card, and receiving credit at a payment card issuing institution corresponding to the determined card type. 4. The method according to claim 3, wherein the third step includes a step of receiving the information including the unique identification information of the store in which the store terminal is installed, and receiving authentication based on the store information registered in advance with a payment service organization. Item 2
Or the commercial transaction method according to 3. 5. A commercial transaction method for performing payment for a desired product through a payment service institution connected to a store terminal via a network, wherein the information on the price of the desired product, the type of payment currency, and the A first step of receiving the information, a second step of transmitting the received information on the price of the product desired to be purchased, the type of payment currency, and the information of the payment card to the payment institution, and receiving credit at the payment institution; For the certified product, convert the price in the currency type presented by the product purchaser into the currency value of the currency type accepted from the purchaser at the exchange rate on the day of product purchase, and request payment to the designated account of the payment institution Issue 3
And a fourth step of transferring the product purchase price from the settlement institution to the store of the product purchase source in the currency of the type registered in advance by the store of the product purchase source. . 6. The third step includes: transmitting a payment card information read from a purchaser's payment card and information including a price of a product desired to be purchased to a payment institution;
Determining whether the payment card is a credit card or a bank card, and receiving credit at a payment card issuing institution corresponding to the determined card type. 5
Commerce method described in. 7. The method according to claim 7, wherein the third step includes a step of receiving the information including the unique identification information of the store in which the store terminal is installed and receiving authentication based on the store information registered in advance with a payment service organization. Item 4
Or the commercial transaction method according to 5. 8. The business transaction method according to claim 6, wherein, if the payment card type is a credit card, a payment request to a designated account of a credit card issuing organization is issued in the third step. 9. A commerce device for performing payment for a desired product through a network, comprising: first means for receiving a type of payment currency for a desired product from a store terminal; The store determines the difference between the type of receiving currency registered in advance and if it is different, the price presented by the product purchaser is converted to the currency value of the currency type received from the purchaser on the day of product purchase. The second means for converting at the exchange rate, transmitting to the store terminal and presenting it to the purchaser, receiving the confirmation response from the store terminal, receiving the credit from the settlement institution, and authenticating the authenticated one to the store terminal On the other hand,
A third means for issuing a request for payment of the purchase price of the product to the designated account of the clearing house to the purchaser; and a method for transmitting the purchase price of the product from the clearing house in a currency of a type registered in advance by the store of the product purchase source. A fourth means for transferring the goods to the store of the goods purchaser. 10. A commercial transaction apparatus for performing payment for a desired product through a network, comprising: first means for receiving information on the price of the desired product, a type of payment currency, and information on a payment card from a store terminal; The second means of transmitting the information on the price of the product desired to be purchased, the type of payment currency, and the information on the payment card to the clearing house, and receiving credit at the clearing house, The third method is to convert the price in the presented currency type into the currency value of the currency type received from the purchaser at the exchange rate on the day of product purchase, and issue a payment request to the designated account of the payment institution from the payment institution. Means, and transfer the product purchase price from the payment institution to the store of the product purchase source in the currency of the type previously registered by the store of the product purchase source. Commerce device characterized by comprising a fourth means. 11. The apparatus according to claim 9, wherein said second means includes means for receiving unique identification information of a store in which a store terminal is installed and receiving authentication based on pre-registered store information. Commerce equipment. 12. The second means transmits, to a clearing house, information on the payment card read from the buyer's payment card and information including the price of the product desired to be purchased,
Means for determining the card type of the payment card as a credit card or a bank card, and receiving credit at a payment card issuing institution corresponding to the determined card type. The commercial transaction device according to 9 or 10. 13. The commercial transaction apparatus according to claim 12, wherein when the settlement card type is a credit card, the third means issues a payment request to a designated account of a credit card issuing institution. 14. A commercial transaction system comprising: a store terminal installed in a store; a server computer of a payment service institution connected to the store terminal via a network; and a computer of a payment institution connected to the server computer via a network. A first means for the server computer to receive the type of payment currency for the product desired to be purchased from the store terminal; the type of the received payment currency and the type of the received currency registered in advance by the store from which the product was purchased. Is determined, and if different, the price presented by the product purchaser is converted into the currency value of the currency type accepted from the purchaser at the exchange rate on the day of purchase of the product, and transmitted to the store terminal. After receiving the confirmation response from the store terminal and receiving the credit from the settlement institution, , To the shop terminal,
A third means for issuing a request for payment of the purchase price of the product to the designated account of the clearing house to the purchaser; and a method for transmitting the purchase price of the product from the clearing house in a currency of a type registered in advance by the store of the product purchase source. A fourth means for making a transfer to the store of the product purchaser. 15. A commercial transaction system comprising: a store terminal installed in a store; a server computer of a payment service institution connected to the store terminal via a network; and a computer of a payment institution connected to the server computer via a network. A first means for the server computer to receive, from the store terminal, information on the price of the product to be purchased and the type of payment currency and information on the payment card; and information on the received information on the price of the product to be purchased and the type of payment currency; The second means of transmitting the payment card information to the payment institution and receiving credit at the payment institution, and accepting payment from the purchaser in the currency type presented by the product purchaser for those authenticated by the payment institution To the currency value of the currency type at the exchange rate on the day of product purchase, send it to the store terminal, A third means for issuing a payment request to the purchaser to the designated account of the purchaser; and a payment method for the purchase of the goods from the settlement institution to the store of the purchaser of the goods in the type of currency registered in advance by the store of the purchaser of the goods. And a fourth means for making a deposit. 16. The apparatus according to claim 1, wherein said second means includes means for receiving the information including the unique identification information of the store where the store terminal is installed, and receiving authentication based on the store information registered in advance with a payment service institution. Item 16. The commercial transaction system according to item 14 or 15. 17. The method according to claim 17, wherein the store terminal receives a type of payment currency for the product desired to be purchased.
Means of the payment currency received and the type of currency received by the store of the product purchaser are determined in advance, and if different, purchase the price presented by the product purchaser 16. The commercial transaction system according to claim 15, further comprising: a second means for converting the currency value of the currency type received from the purchaser at the exchange rate on the day of purchase of the commodity and presenting the converted value to the purchaser.