JP2002279323A - Electronic payment service system and payment service method - Google Patents

Abstract

(57) [Summary] [PROBLEMS] To provide an electronic payment system and a payment service method that do not require a complicated processing device to be installed in a product purchaser or a product seller. SOLUTION: After receiving signals of agreement of commodity purchase and sale from respective processing devices 4 and 8 installed in a commodity purchaser 1 and a commodity seller 5, a one-time password or ID valid until commodity transaction completion is received. The purchaser of the product purchaser receives the reception signal and the password or ID of the product that has been generated and input to the processing device 4 of the purchaser 1, and the transmitted password or ID matches the generated password or ID. A server 13 for transferring the price of the product from one account to the account of the product seller 5 was provided.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

The present invention relates to an electronic payment system and a payment service method, and more particularly to an electronic payment system and a payment service method suitable for individuals.

[0002]

2. Description of the Related Art The prior art is disclosed in Japanese Patent Laid-Open No. 11-33.
As described in Japanese Patent Publication No. 87, a product purchase held by a purchaser and having a product management database (hereinafter simply referred to as “DB”), a money management DB for managing electronic money information of the product purchaser, and a return request management DB. Merchant processing device, merchandise seller processing device having merchandise sales management DB, money management DB for managing information of electronic money received from the merchandise purchaser, and return management DB, merchandise purchaser having an account Buyer transaction financial institution having an account management DB, a provisional settlement money management DB for managing provisional settlement money issued based on a customer's request, and a main settlement management DB for managing the provisional settlement money funding process Equipment, product seller has an account,
A seller transaction financial institution processing device having an account management DB and a final settlement collection request management DB is provided, the balance of the account is frozen by that amount to issue temporary settlement money, and a product is purchased using the temporary settlement money. A payment system as described above is disclosed.

As described in Japanese Patent Application Laid-Open No. H10-149394, a communication processing unit, a valuable data processing unit, a storage unit,
A purchaser terminal having a timer unit, a display device, and an input device;
An electronic transaction method in which a provider server and an intermediary server are connected via a communication network, and the intermediary server executes a settlement process only when settlement conditions are satisfied via valuable data such as electronic cash or an electronic check. It has been disclosed. Japanese Patent Application Laid-Open No. 2000-148852 discloses that an information provider and an information distributor with a contract for providing information, an information consumer and an information distributor with a contract for information sales, An electronic commerce system has been disclosed in which an electronic right under the control of an information distributor is used as an intermediary in performing payment and settlement.

[0004]

Problems to be Solved by the Invention
The settlement system described in the above publication requires a processing device having various databases for both a product purchaser and a product seller, and has a problem that a complicated processing device is required and is not intended for individuals. Also, provisional settlement money needs to be generated, and processing for that is necessary.
In the electronic transaction method described in Japanese Patent Application Laid-Open No. H10-149394, it is necessary to transmit valuable data such as electronic cash and electronic check from the purchaser terminal to the mediation server, and a process for this is required. Also, JP-A-2000-1488
The e-commerce system described in Japanese Patent Publication No. 52 has information classification,
It was necessary to issue an electronic right composed of a delivery / use section and a charge settlement section, and it was necessary to install an electronic right issuing device and an electronic right control device.

A first object of the present invention is to provide an electronic payment system and a payment service method that do not require a complicated processing device to be installed in a product purchaser or a product seller.

A second object of the present invention is to provide an electronic payment system and a payment service method for individuals.

[0007] A third object of the present invention is to provide an electronic settlement system and a settlement service method that can avoid troubles in transactions.

[0008]

In order to achieve the above-mentioned object, an electronic settlement service system according to the present invention provides an agreement for sale of goods transmitted from respective processing devices installed in a goods purchaser and a goods seller. After receiving the signal, a password generation unit that generates a one-time password or ID valid until the completion of the commodity transaction, a purchaser generated by the password generation unit, a one-time password associated with the product name or A storage unit for storing an ID, a receiving signal of the product and a password or ID input to the processing device of the product purchaser, and receiving the transmitted password or I;
A server is provided for transferring the price of the product from the product purchaser's account to the product seller's account on condition that D matches the password or ID stored in the storage unit.

A storage unit for storing the one-time password or ID associated with the seller and the product name generated by the password generation unit, and a password or ID input to the processing unit of the product seller. A server that receives and transmits the product purchase power information of the product purchaser to the processing device of the product seller on condition that the transmitted password or ID matches the password or ID stored in the storage unit. It is provided.

Also, a first one-time password or ID associated with the purchaser and the product name generated by the password generator, the first one-time password or I
A storage unit for storing a second one-time password or ID linked to a seller and a product name different from D, and the first one-time password or ID transmitted from the product purchaser; The second sent from the merchandise seller
Is provided with a server that receives a one-time password or ID and executes a transaction.

Also, a storage unit for storing a one-time temporary account number associated with a purchaser and a product name generated by the temporary account generation unit; Receiving a commodity receiving signal and a provisional account number input to the commodity purchaser's processing device, and providing that the transmitted provisional account number matches the provisional account number stored in the storage unit. The server is provided with a server for transferring the price of the product from the temporary account of the product purchaser to the account of the product seller.

[0012] Further, the settlement service method is effective until the commodity transaction is completed by the intermediary server after receiving the signal of the commodity purchase agreement transmitted from each processing device installed in the commodity purchaser and the commodity seller. Generate a one-time password or ID and send it to the purchaser's processing device,
After confirming the product, the product purchaser transmits the product reception signal and the received password or ID from the processing device to the broker server, and the broker server transmits the generated password or ID to the server. The transfer of the price of the product from the account of the product purchaser to the account of the product seller is performed on condition that the password or the ID matches.

Further, a one-time password or ID valid until the completion of the commodity transaction is generated in the server of the intermediary agent and transmitted to the processing unit of the commodity seller, and the commodity seller sends a commodity sending instruction signal from the processing unit. And transmits the received password or ID to the server of the intermediary, and the server of the intermediary transmits the merchandise of the merchandise seller on condition that the transmitted password or ID matches the generated password or ID. The product is sent to the purchaser.

[0014] Also, the one-time temporary account number associated with the generated purchaser and product name is stored, and a larger amount of money is transferred to the temporary account than the product price. Receiving the commodity receiving signal and the provisional account number input to the commodity purchaser from the provisional account of the commodity purchaser on the condition that the transmitted provisional account number matches the stored provisional account number. This is to transfer the price of the product to the account.

[0015]

1 to 4 show an embodiment of the present invention.
This will be described below. As shown in FIGS. 1 and 3, the electronic payment system according to the present embodiment includes a computer 2 or a portable terminal 3 (hereinafter referred to as a purchaser's processing device 4 for convenience) installed in a product purchaser 1 and a product seller 5. 6 or a mobile terminal 7 (hereinafter referred to as a processing device 8 of a seller for convenience)
Computer 11 installed in the broker 10
Alternatively, it is composed of a server 12 (hereinafter simply referred to as a server 13 for convenience), a communication line 15 or the Internet 15 connecting these devices. The server 13 of the broker 10 is connected to the server 17 of the financial institution section 16 of the broker 10 via a communication line or an intranet 25. In the storage unit of the server 13 of the intermediary agent 10, a purchaser database 20, which is a database relating to the product purchaser 1, a seller database 21, which is a database relating to the product seller, a financial database 22, which is a database relating to financial institutions, and a database relating to the product. And a transaction status database 24 which is a database relating to the transaction status. Commodity database 23 and transaction status database 2
The contents of No. 4 can be confirmed on, for example, the homepage of the broker 10, a mall on the Internet, or a bulletin board. Here, the example shown in FIG. 1 is a case where the intermediary company 10 has a financial institution section or the financial institution is performing an intermediary business, and the balance of the account of the product purchaser 1 can be confirmed on the intranet. The intermediary agent 10 transmits to the processing devices 4 and 8 the information that the merchandise buyer 1 and the merchandise seller 5 recommend that an account be set up in the financial institution department of the intermediary agent 10.
An account may be provided.

In the example shown in FIG. 3, the intermediary 10 and the financial institution 18 are separated from each other, and the intermediary 10 is accessed and connected to the server 19 of the financial institution 18 by signing a contract or the like to provide information. Service is available. Therefore, in the example shown in FIG. 3, the financial information of the product purchaser 1 obtained from the financial institution 18 is recorded on the server 13 and accessed when it becomes necessary to obtain updated information from the financial institution 18. Further, as shown in FIG. 3, the intermediary agent 10 establishes a temporary account to be described later, requests the financial institution 18 used by the product purchaser 1 to transfer the temporary account to the temporary account, and stores the purchased account in the temporary account. You can transfer more than the price.

FIGS. 2 and 4 show the processing flow of the electronic payment service system configured as described above. The product purchaser 1 and the product seller 5 enter a name or the like in the electronic contract sent from the intermediary agent 10 and conclude a settlement agency service contract.

The merchandise seller 5 operates the processing device 8 to register information on merchandise to be sold. That is, the seller's name, address, telephone number, e-mail address, product name, and desired selling price are entered to register the product for sale. The product name includes the general name, model, date of manufacture, and the like of the product, and a photographed image of the product is registered as necessary. If the product seller 5 wishes to transfer the price of the sold product to an account, the name of the financial institution and the account number used by the product seller 5 are registered. In addition, the merchandise seller 5 can input into the processing device 8 and establish an account in the financial institution section of the broker 10. In this way, the information of the sale product input from the product seller 5 is recorded in the seller database 21, and the seller name and the like are linked to the sale product and the seller database 21.
Will be recorded. The name of the financial institution and the account number used by the product seller 5 are recorded in the financial database 22 in association with the product seller name. In this way, the sales merchandise information from each merchandise seller 5 is collected and displayed as merchandise on a Web site such as a homepage, a mall on the Internet, a bulletin board, or the like. The product purchaser 1 can search for a desired product and transaction status using the web.

The merchandise seller 5 registers the registered merchandise,
The information is sent to the broker 10 by a courier service or the like, or collected and delivered by a courier service dispatched from a logistics center installed in the broker 10 and sent to the broker 10.
By collecting and distributing the goods to the intermediary agent 10 before the contract in this way, it is possible to prevent mischief as a merchandise seller, to judge whether the goods are fake, and to improve the reliability of transactions. Collected goods are decided by the product buyer 1,
Delivered after contract is signed. In addition, when it is determined that the presence of the product is reliable by a visit or the like, the product seller 5 may request the delivery company to directly deliver the product to the product purchaser 1.

The merchandise purchaser 1 accesses the homepage of the broker 10, a mall on the Internet, and a bulletin board to check the contents of the merchandise to be sold. If you find the product you want to buy,
Input items displayed on the screen from the terminal include the name of the financial institution used, such as the name of the purchaser (hereinafter referred to as the purchaser), address, telephone number, e-mail address, desired product name, seller name, etc. Enter the number. Also, Product Buyer 1
Can be input to the processing device 4 to set up an account in the financial institution section of the intermediary 10. These data are transmitted to the server of the mediator 10, and the purchaser's name, address, telephone number, and the like are linked to the purchaser database 20, and the desired product name, the seller's name, and the like are linked to the purchaser. Recorded in the database 23. Also, the financial institution name and account number are linked to the purchaser and
Will be recorded. The server 13 of the intermediary company 10 checks whether the savings balance of the purchaser is higher than the desired sale price of the desired product based on the financial institution name and the account number notified by the purchaser. As a result of the check, if the savings balance of the product purchaser is less than the desired selling price of the product, the processing device 4 of the product purchaser 1 is notified that the savings balance is small and the service cannot be received. Upon receiving this notification, the purchase applicant compensates for the shortage by depositing money into the account of the financial institution being used or by sending cash to the broker 10. Despite receiving the notification, if the shortage is not compensated for after the set period, the registration of the product purchaser is canceled. Also, as shown in FIG.
Financial institution 18 used by product purchaser 1 in the established temporary account
, And a transfer larger than the price of the purchased product can be made to the temporary account. As described above, when the purchaser transmits the product information desired to the intermediary agent 10, the service is not provided unless the balance of the purchaser's account is higher than the price of the purchaser's desired product. Can be realized.

In this manner, the server 13 of the broker 10
Is registered in the server 13 of the broker 10
, Information of the other party is transmitted to both the purchase applicant and the product seller. The information of the other party sent includes phone number,
Since the e-mail address is included, it is possible to directly negotiate the price between the purchaser and the merchandise seller, obtain more detailed merchandise information, and negotiate the price via the server 13 of the broker 10. It is also possible to obtain detailed product information. A system in which price negotiations are not performed at all may be used. If there is no agreement between the buyer 1 and the seller 5 to buy or sell the product, the registration of the buyer is cancelled,
Information sent by the purchaser is also deleted.

When the server 13 of the broker 10 receives a signal indicating that the purchaser 1 and the seller 5 have agreed to buy and sell the product, the server 13 of the broker 10 sends an electronic contract to the buyer 1 Then, the information is transmitted to the processing devices 4 and 8 of the merchandise seller 5, and both the merchandise purchaser 1 and the merchandise seller 5 make a contract by electronically signing the transmitted electronic contract. In this contract, the product purchaser 1 can specify a period until the product is received, and includes an agreement to perform a process of freezing the estimated purchase amount in the purchaser's account during the specified period. You may not. If the server 13 of the broker 10 determines that the contract has been established, the password generation unit of the server 13 links the purchase request and the product name valid until the transaction of the product requested to be completed is completed. Generated password or ID. The password or ID used only from the conclusion of the contract to the end of the transaction and different for each transaction is referred to as a one-time password or ID for convenience. These one-time passwords or IDs are not disclosed to anyone other than the purchaser. Further, the seller valid until the transaction of the product requested to be purchased by the password generation unit of the server 13 ends,
A one-time password or ID different from that of the product purchaser associated with the product name is generated. This one-time password or ID is not disclosed to anyone other than the merchandise seller.

The merchandise seller 5 inputs the one-time password or ID to the processing device 8 and transmits it to the server of the intermediary agent 10, so that the savings balance of the merchandise buyer 1 is greater than the merchandise sales price, It can be confirmed that action has been taken. That is, the product purchase power information of the product purchaser 1 can be confirmed. The merchandise seller 5 can confirm the information and send the merchandise to the merchandise buyer 1 by himself / herself or instruct the intermediary agent 10 to ship the merchandise. Can be prevented. The intermediary company 10 checks the one-time password or ID, and if they do not match, it can be determined that the merchandise seller is impersonating, so that mischief can be prevented.

The dispatched product is delivered to the product purchaser 1 by the delivery company, and the product purchaser 1 receiving the product passes the receipt of the product to the delivery person. The product purchaser 1 who has received the product inputs that the product has been received into the computer and notifies the computer of the receipt. Also, after receiving the receipt, the delivery person can perform a receipt notification proxy. If the transaction is concluded at this receipt notification stage, the account transfer is performed by the receipt notification, and the transaction is terminated. Further, the product purchaser unpacks and checks the contents of the product, and if there is no problem, notifies the broker 10 that the transaction has been officially completed. At this time, a one-time password or ID associated with the product purchaser and the product name is input to the computer and transmitted to the server of the broker. By doing so, it is possible to confirm whether or not the product is a true product purchaser with a one-time password or ID issued each time. Therefore, it is possible to distinguish the product purchaser from a spoofed product purchaser consigned to the product seller. It is possible to prevent the trouble of transferring the price even though the product has not been received due to a problem. If the product is not delivered after the period until the product specified by the product buyer 1 is received,
When the purchaser 1 inputs to the processing device 4 that the product is not delivered and transmits it to the server 13 of the intermediary 10, the transaction can be stopped. Also in this case, mischief can be prevented by using the assigned one-time password or ID.

When the server of the broker 10 receives the signal that the merchandise is received from the merchandise purchaser, the password or ID is collated, and if it matches the assigned one, the server of the financial institution used by the merchandise seller is used. The amount corresponding to the account is transferred, and a payment notice is transmitted to the computer of the merchandise seller. If the password or ID does not match as a result of the collation, the transfer of the amount corresponding to the account of the financial institution used by the merchandise seller is not performed. In addition, a corresponding debit notification is sent to the computer of the product purchaser. When this process is completed, the password or I
A process is performed to make D unusable.

As described above, according to the present embodiment, the settlement service is not started unless the balance of the product purchaser's account is greater than the price of the product desired to be purchased. I can do it. Since the transaction is proceeded by giving a one-time password or ID that can be used until the transaction of the product is completed to the product purchaser or the product seller, the product or the price can be improperly received by impersonating the product purchaser or the product seller. Can be prevented.

Also, the product purchaser and the product seller can make a product sale and a product purchase request on an input screen on the web transmitted from the server of the intermediary agent. An electronic payment service can be provided without adding a special database or device.

The above is a one-time password or ID.
Has been described above. Next, a case where a transaction is performed using a one-time temporary account will be described.

When the server 13 of the broker 10 determines that the contract has been established, the purchaser and the product name valid until the transaction of the product requested to be purchased by the provisional account generation unit of the server 13 are completed. Generate a temporary account number linked to A temporary account number that is given after the conclusion of such a contract and is used for each transaction used only until the transaction is completed is referred to as a one-time temporary account number for convenience. This one-time temporary account number will not be disclosed to anyone other than the purchaser.
Further, the temporary account generation unit of the server 13 generates a one-time temporary account number that is valid until the transaction of the product requested for purchase is completed and is different from that of the product purchaser associated with the product name. I do. This one-time temporary account number is not disclosed to anyone other than the merchandise seller.

Here, the temporary account is provided when the intermediary company 10 is performing banking business or is qualified to perform banking business. The temporary account is a temporary bank that is valid until the transaction of the product is completed, separately from the bank account of the purchaser or merchandise seller provided at the intermediary company 10 or at another bank. This is an account, and more money than the purchase price of the goods is transferred to this temporary account. The temporary account number of this temporary account can be used as the password or ID described above, as described below. If the temporary account number is not used as a password or ID, a password or ID is given separately from the temporary account number as described above, and sales and sales of products are performed using the password or ID.
You may make it purchase.

The merchandise seller 5 stores the temporary account number in the processing device 8
To the server of the intermediary agent 10, it is possible to confirm that the balance of the temporary account of the merchandise buyer 1 is larger than the merchandise selling price and that the freezing process has been performed. The merchandise seller 5 can confirm the information and send the merchandise to the merchandise buyer 1 by himself / herself, or instruct the intermediary agent 10 to ship the merchandise. Can be prevented. Broker 1
A value of 0 matches the temporary account number, and if they do not match, it can be determined that the merchandise seller is impersonating, so that mischief can be prevented.

The dispatched product is delivered to the product purchaser 1 by the delivery company, and the product purchaser 1 receiving the product passes the receipt of the product to the delivery person. The product purchaser 1 who has received the product inputs that the product has been received into the computer and notifies the computer of the receipt. Also, after receiving the receipt, the delivery person can perform a receipt notification proxy. If the transaction is concluded at this receipt notification stage, the account transfer is performed by the receipt notification, and the transaction is terminated. After that, the contents are unpacked and the contents of the product are confirmed. If there is no problem, the broker 10 is notified that the transaction has been officially established. At this time, the purchaser and the temporary account number associated with the product name are input to the computer and transmitted to the intermediary server.

By doing so, it is possible to confirm whether or not the product is a genuine product purchaser with the one-time temporary account number issued each time, so that it is possible to distinguish from the impersonated product purchaser who has colluded with the product seller. Even if no merchandise seller is present and no merchandise is received, it is possible to prevent the trouble of transferring the price. If the product is not delivered even after the time period until the product specified by the product purchaser 1 is received, the product purchaser 1 inputs to the processing device 4 that the product is not delivered to the server 13 of the broker 10. By sending to
You can cancel the transaction. In this case as well, the use of the provisional account number can prevent mischief.

When the server of the intermediary agent 10 receives the signal of receiving the product from the product purchaser, the temporary account number is collated, and if it matches the assigned one, the amount corresponding to the temporary account of the temporary account number Is transferred, and a payment notification is transmitted to the computer of the merchandise seller. If the temporary account numbers do not match as a result of collation, no transfer is made to this temporary account. As described above, the amount of the transaction can be delivered using the temporary account, and the amount of the transaction is larger than the price of the purchased product.
In addition, a corresponding debit notification is sent to the computer of the product purchaser. The balance of the provisional account of the product purchaser and the balance of the provisional account of the product seller are transferred to their respective bank accounts. When this process is completed, a process for making the temporary account number unusable is performed.

As described above, according to the present embodiment, the settlement service is not started unless the balance of the temporary account of the product purchaser is greater than the price of the product desired to be purchased.
Reliable payment can be made. The transaction is proceeded by assigning a one-time temporary account number that can be used to complete the transaction of the product to the product purchaser or product seller, so that the product purchaser or the product seller can impersonate and receive the product or the price fraudulently Can be prevented.

Further, as a method for more surely determining whether a product is authentic or not, the product seller 5 sends the registered sales product to the intermediary company 10 by courier service or the like.
It is collected and delivered by a home delivery service dispatched from a logistics center installed in the broker 10 and sent to the broker 10. By collecting and distributing the goods to the intermediary agent 10 before the contract in this way, it is possible to prevent mischief as a merchandise seller, to judge whether the goods are fake, and to improve the reliability of transactions. The collected goods are determined by the goods purchaser 1 and delivered after the contract is concluded. Further, when it is determined that the presence of the product is reliable by a visit or the like, the product seller 5 may request the delivery company to directly deliver the product to the product purchaser 1.

[0037]

According to the present invention, it is possible to prevent impersonation of a purchaser or a seller without introducing extra equipment to the purchaser or the seller, and an electronic payment service system or a payment service with less trouble. A method can be provided.

[Brief description of the drawings]

FIG. 1 is a configuration diagram of an electronic payment service system according to an embodiment of the present invention.

FIG. 2 is a diagram showing a processing flow of a settlement service of the present embodiment.

FIG. 3 is a configuration diagram of an electronic payment service system which is another example of the present invention.

FIG. 4 is a diagram showing a processing flow of a settlement service of the present embodiment.

[Explanation of symbols]

1: Product purchaser, 2, 6, 11 ... Computer, 3, 7
... portable terminals, 4,8 ... processing equipment, 5 ... product sellers, 10
... Broker, 12, 13 Server, 15 Communication line, 2
0: Buyer database, 21: Seller database,
22: Financial database, 23: Product database, 2
4. Transaction status database.

Claims (8)

[Claims] Claims: 1. A one-time password or ID valid until completion of a product transaction is generated after receiving a product sale agreement signal transmitted from each processing device installed in a product purchaser and a product seller. A password generation unit, a storage unit for storing a one-time password or ID associated with the purchaser generated by the password generation unit and the product name, and a storage unit for storing the product input to the processing unit of the product purchaser. Receiving a reception signal and a password or ID, and receiving the product from the product purchaser account to the product seller account on condition that the transmitted password or ID matches the password or ID stored in the storage unit. An electronic payment service system equipped with a server for transferring money. 2. A one-time password or ID valid until completion of a product transaction is generated after receiving a product sale agreement signal transmitted from each processing device installed in the product purchaser and the product seller. A password generation unit, a storage unit for storing a one-time password or ID associated with the seller and the product name generated by the password generation unit, and a password or ID input to the processing device of the product seller And the transmitted password or ID
An electronic settlement service system comprising: a server that transmits merchandise purchasing power information of the merchandise purchaser to a processing device of the merchandise seller on condition that the password matches the password or ID stored in the storage unit. 3. A one-time password or ID valid until completion of a product transaction is generated after receiving a product sale agreement signal transmitted from each processing device installed in the product purchaser and the product seller. A password generator, a purchaser generated by the password generator, a first one-time password or ID associated with the product name, or a seller different from the first one-time password or ID A storage unit for storing a second one-time password or ID associated with the product name, and the first one-time password or ID transmitted from the product purchaser;
An electronic settlement service system including a server that receives the second one-time password or ID transmitted from the merchandise seller and executes a transaction. 4. A temporary one-time temporary account which is valid until the completion of a product transaction after receiving a signal of a product sale agreement transmitted from each processing device installed in the product purchaser and the product seller. An account generation unit, a storage unit for storing a one-time temporary account number associated with a purchaser and a product name generated by the temporary account generation unit, and transferring a larger amount than the product price to the temporary account Along with receiving a commodity receiving signal and a provisional account number input to the commodity purchaser's processing device, on the condition that the transmitted provisional account number matches the provisional account number stored in the storage unit. An electronic settlement service system comprising a server for transferring a price of a product from a temporary account of the product purchaser to an account of the product seller. 5. The electronic settlement service system according to claim 1, wherein a temporary account number is used as said one-time password or ID. 6. A one-time password that is valid until completion of a product transaction in a server of an intermediary company after receiving a signal of a product sale agreement transmitted from each processing device installed in the product purchaser and the product seller. Or generate an ID and send it to the processing device of the product purchaser, the product purchaser sends the received signal of the product and the received password or ID from the processing device to the server of the broker after confirming the product, A settlement service that transfers the price of the product from the account of the product purchaser to the account of the product seller on the condition that the transmitted password or ID matches the generated password or ID; Method. 7. A one-time password that is valid until the completion of a product transaction at a server of an intermediary company after receiving a signal of a product sale agreement transmitted from each processing device installed in the product purchaser and the product seller. Or, an ID is generated and transmitted to the processing device of the merchandise seller, and the merchandise seller transmits a shipping instruction signal of the merchandise and the received password or ID from the processing device to the server of the intermediary agent, and A settlement service method wherein the server sends out the merchandise of the merchandise seller to the merchandise purchaser on condition that the transmitted password or ID matches the generated password or ID. 8. A one-time temporary account valid until the completion of the commodity transaction is generated after receiving a commodity purchase agreement signal transmitted from each processing device installed in the commodity purchaser and the commodity seller. The generated one-time temporary account number associated with the purchase applicant and the product name is stored, and a larger amount of money is transferred to the temporary account than the product price, and the temporary account number is input to the processing device of the product purchaser. Receiving the product receiving signal and the temporary account number, and providing the product from the temporary account of the product purchaser to the account of the product seller on the condition that the transmitted temporary account number matches the stored temporary account number. Electronic payment service method to transfer money.