JPH1027196A - E-commerce settlement system - Google Patents

Abstract

(57) [Summary] [Problem] To provide an electronic payment system using a card that can restrict transaction items according to the age of a customer who purchases a product and can reduce commission costs in retail transactions. SOLUTION: A transaction restriction determining means 27 of a store settlement processing device 20 determines a transaction restriction item stored in an information table 41 of a card 40 owned by a product purchaser and a transaction restriction item stored in a transaction restriction information table 24. Reject the transaction.
Further, the confirmation request determining means 27 of the store settlement processing device 20
For a transaction of a commodity of a price equal to or less than the limit stored in the customer information table 25, the fee for the small transaction is omitted by omitting the request for the identity confirmation of the card 40 and the request for the payment to the credit institution settlement processing apparatus 10. Reduce costs.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an e-commerce settlement system for realizing settlement in e-commerce, and more particularly to an e-commerce settlement that can be effectively used for small-lot settlement and can restrict the sale of commodities that are not suitable for purchasers. About the system.

[0002]

2. Description of the Related Art Recently, various communication services have been established in which a communication network (for example, the Internet) is connected between an individual (consumer) and a company or between a company and a company, and information is transmitted and received between them. Has increased. One of these is electronic commerce (EC: Electronic Commerce), where goods are purchased using a credit card or the like.
rce). Electronic commerce is a computerization of the creation and delivery of documents associated with business transactions, and is expected to become more and more popular in the future because it can streamline office work. Several electronic payment technologies associated with electronic commerce have also been announced. As one of the electronic payment technologies, a customer who purchases a product (transaction requester) using an authentication mechanism of a credit card company
E-payment technology that realizes personal authentication is described in, for example, “Nikkei Communication, 1996.1.1 [No.213] Issue“ Electronic Commerce ”, P.72-90, January 1, 1996
It is explained in detail in Nikkei BP.

FIG. 7 is a schematic diagram of an electronic commerce payment system to which the electronic payment technology using a credit card is applied. This e-commerce settlement system comprises a credit institution settlement processing device 100, a store settlement processing device 200, and a home terminal device 300, and these are communication media 500, 5
10 are connected. Credit institution settlement processor 1
00, store payment processing device 200, home terminal device 300
Are each configured by an information processing device such as a personal computer including a processor, a storage device, and a communication control unit. The credit institution settlement processing device 100 is placed in a credit institution such as a credit company, the store settlement processing device 200 is placed in a store, and the home terminal device 300 is placed in the home of a product purchaser. As the card 400, for example, a card such as a magnetic card or an IC card that can hold information of an owner is used.

[0004] A procedure for e-commerce settlement using a card such as a credit card will be described below with reference to FIG. The product purchaser transmits the information of the card 400 and the purchase product order form to the store settlement processing device 200 using the home terminal device 300 when purchasing the product (12010). Store payment processing device 2
00 requests the credit institution settlement processing apparatus 100 to confirm the identity of the card holder (product purchaser) (12020). Here, the identity confirmation means confirming that the card has not been reported to be stolen, that the card is registered, and that the card has the ability to pay. The credit institution settlement processing apparatus 100 returns the result of the identity verification to the store settlement processing apparatus 200 (12030). Store payment processing device 200
Establishes a commercial transaction and transmits a card usage statement and the like to the home terminal device 300 only when the product purchaser is authenticated as the principal (12040). Normally, once authentication has been obtained, the credit company will fully compensate for damages even if an accident such as the purchaser was a fraudulent third party impersonating the card holder. The contract has been made so that the store is not damaged at all.

[0005]

As described above, the e-commerce settlement system is very convenient because it allows the purchase of goods from homes using a credit card, and is expected to develop in the future. However, the above conventional technique has the following problems. In a conventional e-commerce settlement system using a credit card, a store requests a credit company to confirm the identity of the credit card owner (step 12020 in FIG. 7). At this time, the credit company takes a commission from the store. This fee must be paid even for a small transaction, and when the product price is small, the ratio of the fee increases, which is not thankful for the product purchaser. As described above, due to the commission cost in the personal identification (authentication) process, the electronic payment system using a credit card is not suitable for use in small-scale commercial transactions, that is, small-lot payment.

[0006] Further, in an electronic commerce settlement system including an electronic settlement system using a credit card, any type of commerce becomes possible after the authentication of the user is obtained. Therefore, for example, minors can freely purchase products whose sale is prohibited or restricted, such as tobacco and alcoholic beverages, which is not desirable in terms of social morals. SUMMARY OF THE INVENTION It is an object of the present invention to provide an e-commerce settlement system that solves the above-mentioned problems and is suitable for use in small-lot payments and that can restrict the sale of commodities that are not suitable for commodity purchasers.

[0007]

According to the present invention, there is provided an electronic commerce settlement system comprising: (a) a card (40) for storing personal information of a product purchaser;
A home terminal device (30) having card reading / writing means (32) for reading / writing information stored in the card (40) and input means (34) for inputting commercial transaction information including the name of a purchased product; Store settlement processing device (20) connected to home terminal device (30) via communication medium (51)
And a credit institution payment processing device (10) connected to the store payment processing device (20) via a communication medium (50) and performing personal authentication of a product purchaser at the request of the store payment processing device (20). In particular, a store settlement processing device (20)
In addition, there are provided a transaction restriction determining means (27) for determining whether the product is suitable for the product purchaser and a confirmation request determining means (26) for determining whether or not to request the credit institution to verify the identity.

(B) The store settlement processing device (2) of (a)
In step 0), no storage restriction discriminating means is provided. Instead, a storage means for storing information relating to a small transaction limit and an accumulated limit which does not require identification is provided. Further, (c) as the store settlement processing device (20), information on both of the above-mentioned configurations (a) and (b), that is, the transaction limit discriminating means and the small transaction limit and the accumulated limit which do not require the identification of the individual are used. A storage means for storing is provided. (D) At least one of the card and the store settlement processing device has storage means for storing information on the customer's transaction restricted items, and the transaction restriction discriminating means (27) refers to the information to restrict the transaction of the product. I do.

(E) The transaction-restricted item (414) stored in the storage means of the card can be set or changed by a specific person (for example, a householder). (F) The confirmation request discriminating means (26) is a credit institution settlement processing device (10) for a customer purchasing a store for the first time.
Requesting the identity confirmation of the purchaser of the product, settling the price of the product, registering the information of the purchaser in the storage means (customer information table 25), and storing the information in the storage means when the purchaser is not the first use. In the case of merchandise transactions for a price less than the small transaction limit (253), the accumulated transaction amount (254) stored in the storage means (customer information table 25) is stored without confirming the identity of the merchandise purchaser and clearing the merchandise price. When the accumulated transaction amount (254) is equal to or less than the accumulated limit (255) stored in the storage means, the transaction is completed without settlement of the commodity price, and in other cases, the credit institution is settled. Processing equipment (1
In step 0), the customer is requested to confirm the identity of the product purchaser, and the payment for the product and the accumulated transaction amount are settled. (G) The retail limit (253) and the cumulative limit (255) stored in the storage means (customer information table 25) can be set or changed for each customer.

[0010]

DESCRIPTION OF THE PREFERRED EMBODIMENTS The present invention relates to a store settlement processing device of a conventional electronic commerce settlement system, a customer information table for storing customer transaction information, a transaction restriction information table for storing information on transaction restricted items, and a principal. Confirmation request discriminating means for discriminating whether to request confirmation from a credit institution, and transaction restriction discriminating means for discriminating whether a product is suitable for a product purchaser are added, and the personal information of the owner is added to the card. In the stored information table, an area for storing the classification of cardholders such as a householder, a minor, and a family male and an area for storing transaction-restricted items are added.

[0011] The home terminal device sends the information read from the information table of the card and the purchased product information input from the input means to the store settlement processing device. In the store settlement processing device, first, the transaction restriction determining means determines whether or not the purchased product is a tradeable product based on the information received from the home terminal device and the information in the transaction restriction table. In this case, the confirmation request discriminating means (26) refers to the transaction restriction information table and the customer information table to determine whether or not the transaction requires identity confirmation. Ask for confirmation.

Hereinafter, an embodiment of the present invention will be described in more detail with reference to the drawings. FIG. 1 shows the configuration of an e-commerce settlement system according to the present embodiment. As shown in the figure, the credit institution settlement processing device 10 and the store settlement processing device 2
0 and the home terminal device 30 are connected via communication media 50 and 51 to constitute an e-commerce settlement system. Each of the credit institution settlement processing device 10, the store settlement processing device 20, and the home terminal device 30 is configured by an information processing device such as a personal computer including a processor, a storage device, and a communication control unit. As the card 40, for example, a card such as a magnetic card or an IC card in which an information table 41 including card owner information is stored is used.

The credit institution settlement processing device 10 is installed in a credit institution such as a credit company, receives a request for identification of the card indicated by the customer from the store settlement processing device 20 through the communication medium 50, and confirms the identity. The result is returned to the store settlement processing device 20 via the communication medium 50. As the communication medium 50, besides a general communication line, a dedicated line conventionally used for identification of a credit card may be used.

The store settlement processing device 20 includes a communication control unit 2
1 and 22, a storage means 23 (storage device) including a transaction restriction information table 24 and a customer information table 25, a confirmation request determination means 26, and a transaction restriction determination means 27 (processor). The store settlement processing device 20 is installed in a store or the like, receives card information, the contents of a purchased item, etc. from the home terminal device 30 of the purchaser of the product via the communication medium 51, and checks the confirmation request determination means 26 and the transaction restriction determination means. 27
Refers to these, the transaction restriction information table 24, and the customer information table 25, and if necessary, requests the credit institution settlement processing apparatus 10 to confirm the identity of the product purchaser via the communication control means 21. Is determined.

The home terminal device 30 includes a communication control unit 31,
Card reading / writing means 32, input means 34, control means 33
(Processor). The input unit 33 is, for example, a keyboard, a mouse, a touch panel, or the like.
This is for inputting information necessary for commercial transactions, such as the name of a purchased product. The home terminal device 30 is mainly installed in the home, and the store payment processing device 20 of the store is connected via the communication medium 51.
The information of the card and the contents of the purchased article are transmitted to the server.

The card 40 has an information table 4 inside.
1 is accumulated. As shown in FIG. 4, the information table 41 includes an ID 411 for storing a card ID for identifying a card holder, settlement information 412 for storing a personal identification number, an account number, a card type, etc., a householder, a minor, Classification 41 that stores the classification of cardholders such as male families
3 and a table containing transaction-restricted items 414 that store items that the cardholder is prohibited from purchasing, such as, for example, tobacco / alcohol in minors.

Each family member who shares a household (using the same bank account) has the same settlement information 412 such as a personal identification number, an account number, and a card type, but has a card ID (owner ID) 411, Classification 413 corresponding to domestic relationships (head of household, minor, male, female), restricted transaction items 414
Possesses the card 40 storing the information table 41 including the information. Normally, the contents of the information table 41 are stored in advance at the time of card issuance. However, with regard to the transaction-restricted item 414, for example, the card reading / writing means of the home terminal device 30 is operated by a person who knows the personal identification number (for example, the householder). 32
Can be added / changed.

Next, the transaction restriction information table 24 and the customer information table 25 stored in the storage means 23 in the store settlement processing apparatus 20 will be described in detail. As shown in FIG. 2, the transaction restriction information table 24 includes a customer classification 241 for storing cardholder classifications such as a householder, a minor, a man, and a woman, and an upper limit of a small transaction that does not require identification. 242, the cumulative transaction limit 243 storing the upper limit of the sum of the transaction amounts within the retail transaction limit, and the items whose sales are prohibited / restricted for the corresponding product purchaser of the customer classification 241. It is a table which stores the transaction restriction item 244 which is enumerated and stored.

As shown in FIG. 3, the customer information table 25 stores an ID (identifier) of a customer card.
D251, a customer classification 252 storing the classification of the customer, a small transaction limit 253 storing the upper limit of a small transaction that does not require identification, a cumulative transaction amount 254 storing the sum of the transaction amounts within the small transaction limit, It is a table which stores the accumulated transaction limit 255 that stores the upper limit of the accumulated transaction amount 254. The transaction restriction information table 24 indicates that the householder, minor,
・ According to the customer classification such as
It is a table in which the transaction restricted items are fixed in advance,
On the other hand, the customer information table 25 indicates that even if the customers belong to the same customer classification, the small transaction limit amount, the cumulative limit, etc. This is a table whose amount can be changed.

Next, the operation of the confirmation request discriminating means 26 and the transaction restriction discriminating means 27 in the store settlement processing apparatus 20 will be described with reference to the flowchart of FIG. First, the transaction restriction determining means 27 uses the communication control means 22 to
1, a card ID (owner ID) 411, a classification 413, a transaction-restricted item 414 included in the information table 41 of the card 40 of the merchandise purchaser, and the purchased merchandise (input from the input means 34). (Step 10010). Information table 4 received
1 and the transaction restricted item 2 in the transaction restriction information table 24
It is determined whether or not the transaction item can be purchased based on the content of 44 (step 10020). That is, the input means 34
Information (transaction item) input from the information table 4
1 or is included in the transaction restricted item 244 of the customer classification 241 that matches the classification 413 (step 10020;
NO), the transaction restriction discriminating means 27 is the purchased product (transaction item)
Is rejected (step 10030).

The purchased merchandise (transaction item) input from the input means 34 is stored in the information table 41 in the transaction restriction item 414.
If it is not included in the transaction-restricted item 244 of the customer classification 241 that matches the classification 413, the control is transferred to the next confirmation request determination means 26. The confirmation request determining means 26 stores the customer information table 25 in the card ID (owner ID) 411.
And the category 413 as a key, and it is determined whether or not the purchaser has used the store for the first time based on whether or not the information of the purchaser having the corresponding key is included in the customer information table 25 (step 10040). .

If the customer information table 25 does not include the information on the customer who purchased the product, the customer is determined to be the first customer (step 10040; YES), and the customer purchases the product via the communication medium 50 using the communication control means 21. The card ID (owner ID) 411 and the settlement information 412 of the customer's card 40 are passed to the credit institution settlement processing apparatus 10 and a request for identity verification is made (step 10050).

As a result of the identity verification by the credit institution settlement processing apparatus 10, if the card of the merchandise purchaser is something illegal (step 10060; NO), the commercial transaction is rejected (step 10030). Here, the bad card is
For example, when the card has been reported to be stolen. If the card is confirmed to be valid (step 10060; YES), payment for the product is made and the card I
D (owner ID) 411, classification 413, and transaction limit information table 24, the corresponding small limit 242 and cumulative limit 243 are respectively stored in ID2 of customer information table 25.
51, the customer classification 252, the retail limit 253, and the cumulative limit 255 are copied, and the cumulative transaction amount 254 is set to zero (because the first transaction is settled separately) and registered as a new customer (step 10070). The commercial transaction is completed (step 10080).

If it is determined in step 10040 that the customer information table 25 already contains information on a customer who purchases a product, it is determined that the customer has not used the store for the first time,
The small amount limit 251 corresponding to the product purchaser is compared with the price of the purchased product (step 10090). If the price of the product is larger (step 10090; NO), the communication control means 21 is used to communicate with the communication medium 50. Then, the ID 411 and the settlement information 412 of the card 40 of the product purchaser are transferred to the credit institution settlement processing apparatus 10 via the, and a request for identity verification is made (step 10100).

As a result of the identity verification by the credit institution settlement processing apparatus 10, if the card of the purchaser is any kind of fraud (Step 10110; NO), the customer information table 25
Is deleted (step 10120), and the transaction is rejected (step 10030). If the card is confirmed to be valid (step 10110; YE
S), payment for the product is made, and the commercial transaction is completed (step 10080).

In step 10090, if the price of the purchased product is smaller than the small amount limit 251, the price is added to the cumulative transaction amount 254 of the customer information table 25 (step 10130), and as a result, the cumulative transaction amount 254 is added.
Is greater than the cumulative limit 255 (step 10140). If the result of this determination is that the cumulative transaction amount 254 exceeds the cumulative limit 255 (step 1014)
0; YES), using the communication control means 21 via the communication medium 50, the ID 411 and the settlement information 412 of the card of the purchaser.
Is passed to the credit institution settlement processing apparatus 10 and a request for identity verification is made (step 10150).

As a result of the identity verification by the credit institution settlement processing apparatus 10, if the card of the purchaser is any unauthorized (step 10160; NO), the customer information table 25
Is deleted (step 10120), and the transaction is rejected (step 10030). If the card is confirmed to be valid (step 10160; YE
S) The settlement for the accumulated transaction amount is performed, the accumulated transaction amount 254 is cleared (step 10170), and the commercial transaction is completed (step 10080). Step 101
If the accumulated transaction amount 254 does not exceed the accumulated limit 255 in 40, the commercial transaction is completed as it is (step 10080).

In the above-described confirmation request determining means 26,
As a criterion for the identification request of the purchaser other than the first store user, the small amount limit 253 of the customer information table 25,
It is used for the cumulative limit 255 (step 1009).
0, 10140), and these values are set to the values of the retail limit 242 and the cumulative limit 243 of the transaction restriction information table 24 when the store is used for the first time (see step 10070). That is, these values initially become fixed amounts predetermined by the store if the customers are of the same customer classification (whether they are heads of household or minors). However,
In this embodiment, by making adjustments for each customer, it is possible to perform more detailed customer management and reduction of the confirmation fee cost. For example, a purchaser who uses a lot of times is regarded as a familiar customer (that is, a customer who has a low probability of having an accident).
If you are an acquaintance, you can increase the limit separately or increase the cumulative limit so that you can adjust the amount of so-called "click-on", reduce the number of requests for identity verification and further reduce commission cost It becomes possible to do.

The operation of the e-commerce settlement system according to the present embodiment will be described below with reference to the flowchart of FIG. First, the purchaser inserts his / her own card 40 into the card reading / writing means 32 of the home terminal device 30 at home to read the information table 41 (step 110).
10) The product to be purchased is input and specified by the input means 34 (step 11020). The control means 33 of the home terminal device 30 receives data from the card read / write means 32 and the input means 34 and uses the communication control means 31
1 to the store payment processing device 20 of the store (step 11030).

The confirmation request discriminating means 26 and the transaction restriction discriminating means 27 of the store settlement processing apparatus 20 receive the data from the home terminal device 30 via the communication control means 22 and refer to the transaction restriction information table 24 and the customer information table 25. To determine the type of transaction (step 11040), and the type of transaction determined is (a) the first purchaser, (b) retail transaction, (c) non-retail transaction, or (d) fraudulent card / ban The following processing is performed depending on whether the item is purchased.

(A) In the case of the first purchaser: If it is determined in step 11040 that the purchaser has not used the product for the first time, the confirmation request determination means 26 uses the communication control means 21 to trust the customer via the communication medium 50. Requests the institutional settlement processor 10 to confirm the identity of the customer who purchased the product (step 1105)
0), if the card is authenticated, the payment for the product is made with the credit institution settlement processing device 10 (step 11060), and the information of the product purchaser (such as the card information table 41) is stored in the customer information. Register in the table 25 (step 11070) and complete the transaction (step 1108)
0). The above processing is performed in steps 10040 and 1040 in FIG.
050, 10060, 10070, 10080.

(B) In the case of retail transactions: Step 11
If it is determined at 040 that the purchased product of the product purchaser is small, the confirmation request determination unit 26 updates the accumulated transaction amount 254 of the customer information table 25 (step 11090).
At this time, it is determined whether or not the updated cumulative transaction amount has exceeded the cumulative limit (step 11095). If the cumulative transaction amount has exceeded the cumulative limit, the communication control means 21 is renewed.
And the credit institution settlement processing device 10 via the communication medium 50
Request the customer to confirm the identity of the customer (step 1110)
0), if the card is authenticated, payment for the product and the accumulated transaction amount is made between the credit institution settlement processing device 10 (step 11110), and the transaction is completed (step 11080). If the updated cumulative transaction amount does not exceed the cumulative limit (step 11095; N0), the transaction is completed as it is (step 11080). The above processing is performed in steps 10090, 10130, 10 in FIG.
140, 10150, 10160, 10170, 100
80.

(C) For non-retail transactions: if step 1
If it is determined in 1040 that the purchased product of the product purchaser is not small, the confirmation request determination unit 26 requests the credit institution settlement processing apparatus 10 to confirm the identity of the product purchaser via the communication medium 50 using the communication control unit 21. (Step 11120),
If the card is authenticated, payment for the product is made with the credit institution settlement processing device 10 (step 111).
30), complete the transaction (step 11080). The above processing is performed in steps 10090, 10100, 1 in FIG.
0110 and 10080.

If it is determined in step 11040 that the purchased product is not suitable for the purchaser of the product (tobacco for a minor, alcoholic beverages, etc.) and / or is not recognized,
The transaction restriction determining means 27 stops the transaction (step 11).
140). Further, when the purchaser uses an unauthorized card that cannot purchase the product, the transaction is stopped by the confirmation request determining means 26 (step 11140). The above processing is
This corresponds to steps 10020 and 10030 in FIG.

Although the above description has been made on the premise that the merchandise is purchased using the home terminal device 30, the card reading / writing means 32 and the input means 34 are installed in the store settlement processing device 20, so that the credit can be obtained. The mechanism described in the present embodiment can also be applied to a vending machine having a function of a purchase or store settlement processing device at a store where a card can be used.

In the above description, the transaction restriction determining means 2
7 is a transaction restriction item 414 of the information table 41 of the card 40 and a transaction restriction item 2 of the transaction restriction information table 24 in order to determine whether or not the product can be sold to the product purchaser.
Although both 44 are used, the mechanism described in the present embodiment can also be realized in an e-commerce settlement system provided with either one.

In the above description, the store settlement processing apparatus has all of the transaction restriction information table, the customer information table, the transaction restriction discriminating means, and the confirmation request discriminating means. Although the embodiment has both a function of verifying the identity when the amount exceeds the amount and a function of restricting the sale of products that are not suitable for the customer purchasing the product,
It is also possible to have only one function. For example, the small transaction limit 24 in the transaction restriction information table 24
2. If the cumulative limit and the customer information table 25 are omitted, an e-commerce settlement system having only the function of restricting the sale of products that are not suitable for the product purchaser is obtained. Conversely, the transaction limit determination means 27 and the information table 41 If the transaction-restricted item 414 and the transaction-restricted item 244 in the transaction restriction information table 24 are omitted, an electronic commerce settlement system having a function of performing identity verification when the retail transaction limit is exceeded or when the cumulative limit is exceeded is obtained. Can be In this way, when only one function is required, the configuration is simpler than a system having both functions. Therefore, the installation location and the conditions of the product to be traded (for example, cigarettes and alcoholic beverages, etc.) If it is clear that products that require sales restrictions will not be handled at all, there is no need to provide a function for transaction restrictions), so that an optimal system configuration can be adopted.

[0038]

According to the present invention, for small-lot (small-value) transactions, an identification request to a credit company is suspended until a certain amount (limit) is reached, so that the commission cost of the identification request is not included. Thus, settlement of small-scale electronic commerce using a credit card can be performed at low cost. In addition, since credit cards and stores store information on items that are not suitable for cardholders and limit transactions based on this information, purchasers can prevent purchases of items such as tobacco and alcohol by minors. It is possible to restrict transactions of unsuitable products.

[Brief description of the drawings]

FIG. 1 is a block diagram showing a configuration of an e-commerce settlement system according to an embodiment of the present invention.

FIG. 2 is an explanatory diagram showing a transaction restriction information table according to an embodiment of the present invention.

FIG. 3 is an explanatory diagram showing a customer information table according to an embodiment of the present invention.

FIG. 4 is an explanatory diagram showing an information table stored in a card according to an embodiment of the present invention.

FIG. 5 is a flowchart illustrating a processing procedure of a transaction restriction determining unit and a confirmation request determining unit according to an embodiment of the present invention.

FIG. 6 is a flowchart showing an operation of the entire e-commerce settlement system according to one embodiment of the present invention.

FIG. 7 is a block diagram showing a configuration of a conventional e-commerce settlement system using a credit card.

[Explanation of symbols]

10: Credit institution settlement processing device, 20: Store settlement processing device, 21: Communication control means, 22: Communication control means, 23 ...
Storage means, 24: transaction restriction information table, 25: customer information table, 26: confirmation request determination means, 27: transaction restriction determination means, 30: home terminal device, 31: communication control means,
32 card reading / writing means, 33 control means, 34 input means, 40 card, 41 information table, 50 communication medium, 51 communication medium, 241 customer classification, 242
Small transaction limit, 243: cumulative limit, 244: restricted product, 251: ID, 252: customer classification, 253: small transaction limit, 254: cumulative transaction, 255: cumulative limit, 411: ID, 412 ... settlement information, 413 ... classification,
414: transaction restricted item, 100: credit institution settlement processing device, 200: store settlement processing device, 300: home terminal device, 400: card, 500: communication medium, 510: communication medium

 ──────────────────────────────────────────────────続 き Continuing on the front page (72) Inventor Shimoyasu Hamada 1099 Ozenji Temple, Aso-ku, Kawasaki City, Kanagawa Prefecture, Hitachi, Ltd.System Development Laboratory

Claims (7)

[Claims] 1. A home terminal device having a card for storing personal information of a purchaser, card reading / writing means for reading / writing information stored on the card, and input means for inputting commercial transaction information including the name of the purchased product. And a transaction limit determining means connected to the home terminal device via a communication medium to determine whether or not the product is suitable for the product purchaser, and a check to determine whether or not to request a credit institution for identity verification. A store settlement processing device having request determination means, and a credit institution settlement processing device connected to the store settlement processing device via a communication medium and performing personal authentication of a product purchaser in response to a request from the store settlement processing device. An e-commerce settlement system comprising: 2. A home terminal device having a card for storing personal information of a purchaser, card reading / writing means for reading / writing information stored on the card, and input means for inputting transaction information including the name of the purchased product. And a storage means connected to the home terminal device via a communication medium for storing information relating to the small transaction limit and the accumulated limit that do not require identity verification, and determine whether or not to request a credit institution for identity verification. A store payment processing device having a confirmation request determination means, a credit institution payment processing device connected to the store payment processing device via a communication medium, and performing authentication of a product purchaser in response to a request from the store payment processing device; An e-commerce settlement system comprising: 3. A home terminal device having a card for storing personal information of a purchaser, card reading / writing means for reading / writing information stored on the card, and input means for inputting commercial transaction information including the name of the purchased product. And storage means connected to the home terminal device via a communication medium for storing information relating to a small transaction limit and an accumulated limit that do not require identity verification, and determine whether or not the product is suitable for the product purchaser. A store settlement processing device having transaction restriction determining means for determining whether or not to request a credit institution for identity verification, and a store settlement processing device connected to the store settlement processing device via a communication medium, and An e-commerce payment system, comprising: a credit institution payment processing device that authenticates a purchaser of a product in response to a request from the device. 4. At least one of the card and the store settlement processing device has storage means for storing information on a customer's transaction-restricted item, and the transaction restriction discriminating means stores the information on the customer's transaction-restricted item. The electronic transaction settlement system according to any one of claims 1 to 3, wherein a transaction of a product is restricted based on the following. 5. The electronic transaction settlement system according to claim 4, wherein the transaction restricted items stored in said storage means of said card can be set or changed only by a specific person by said card reading / writing means. 6. The confirmation request discriminating means, in the case of a product purchaser who uses a store for the first time, requests the credit institution settlement processing device to confirm the identity of the product purchaser and settles the product price, and stores the product price in the storage means. Register the information of the product purchaser, and if the product purchaser is not the first use, and if the product transaction is less than the retail transaction limit stored in the storage means, the identity of the product purchaser and the product Without performing the settlement of the price, the product price is added to the accumulated transaction amount stored in the storage means, and if the accumulated transaction amount is equal to or less than the cumulative limit stored in the storage means, the settlement of the product price is performed. 3. A means for completing a transaction without doing so, and in other cases, requesting the credit institution settlement processing device to confirm the identity of the product purchaser and performing settlement of the product price and the accumulated transaction amount. Any of 5 to 5 2. The electronic transaction settlement system according to claim 1. 7. The electronic transaction settlement system according to claim 2, wherein the retail limit and the cumulative limit stored in the storage unit can be set or changed for each customer. .