JPH113387A - Payment system - Google Patents

Abstract

(57) [Summary] [Problem] In e-commerce, a payer (a product purchaser, a service requester, etc.), a payee (a seller,
The challenge is to reduce both risks. SOLUTION: A purchaser transaction financial institution processing device 3 freezes the account balance in response to a purchaser's request, generates temporary settlement money which is monetary information including temporary settlement information, and processes the product purchaser processing device. Send to 1. The processing device 1 transmits the product purchase request and the provisional settlement money to the product seller processing device 2.
Upon receiving the product, the buyer receives the item,
The final settlement approval request is transmitted to the processing device 3 through the processing device 1, and the processing device 2 transmits the final settlement request to the processing device 3 based on the check result of the provisional settlement money. Processing unit 3
Performs the final settlement for the provisional settlement money on condition that the final settlement approval request and the final settlement request exist in the database.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION The present invention relates to provisional settlement of a product or service payment between a payer (a product purchaser, a service requester, etc.) and a payee (a seller, a service provider, etc.). Payment shall be made by provisional payment using monetary information as electronic data including information, and the payer or the confirmer who confirms the items to be paid shall thoroughly check the contents of the received product and the contents of the service received The present invention relates to a provisional payment settlement system, a cryptographic relay system, a delivery system, and an electronic content sales system that can make a final settlement.

[0002]

2. Description of the Related Art At present, cash, checks, bills, account transfers, prepaid cards, and credit cards are widely used as payment means in conventional commercial transactions.

[0003] As a payment method, there are a prepayment method of paying a price before receiving a product, a cash-on-delivery method of paying a price when a product is received, and a post-payment method of paying a price after receiving a product. However, in any of the payment methods, there is a risk of receiving the goods or a risk of paying for the goods, or there is a risk of collecting the money for the goods seller.

[0004] That is, in the case of the prepayment method, regardless of which payment method is used, the product purchaser side
There is a risk of receiving a product that cannot be received even though the price has been paid, or that the received product is not satisfactory. In addition, there is a payment risk that the paid payment cannot be collected.

[0005] In the cash-on-delivery system, the means of payment is limited to cash or check, and the purchaser can receive the goods in exchange for the price. Since it is not possible to confirm the contents sufficiently at that time, there is a risk of receiving the product that satisfactory product contents cannot be obtained. Also,
The same payment risk as in the case of the prepayment method also occurs.

[0006] Further, even in the case of the post-payment method, regardless of which payment means, the merchandise seller cannot collect the money even though the merchandise has been delivered. Risks arise.

[0007] The product purchaser can take a countermeasure to return the product to the product seller when the content of the received product is defective. However, there is a risk that the price will not be returned even if it is returned to the merchandise seller, and even if the price is returned, it is expected that a considerable number of days will be required.

Further, in the case of electronic contents such as software and image data distributed on a communication network, another problem arises. In other words, there is a danger of refusing to pay for such intangible merchandise due to inadequate merchandise, even though the merchandise purchaser has received it normally.

Further, when conducting a transaction on a network, there are various risks such as a risk of unauthorized use by a third party, a risk of impersonation, and a risk of privacy infringement due to decryption (wiretapping) by a third party.

At present, as a part of reducing such a risk, an encryption processing method is considered to be most effective. However, since the current cryptographic processing method requires obtaining the public key, common key, and the like of the other party between the data transmission source and the transmission destination (reception side), complicated processing including identification is required. Must. Furthermore, unless the transmission interface and the transmission destination match the cryptographic interface including the cryptographic application, encrypted data cannot be exchanged.

[0011]

As described above, according to the conventional settlement method, no matter which payment means or payment method is adopted, the payment destination such as a merchandise seller or a service provider cannot receive payment. There is a price collection risk, and a product payer such as a product purchaser or a service requester has a product receiving risk or a price payment risk. There is also a risk of return of goods for both the payer and the payee.

Furthermore, in transactions on the network, both the payer and the payee receive the risk of unauthorized use by a third party, the risk of impersonation,
There is a risk of privacy infringement due to eavesdropping.

An object of the present invention is to provide a reliable and simple procedure as described above using electronic money (electronic cash), electronic check, electronic bill, temporary payment card, or the like of monetary information including temporary payment information as a payment means. Eliminates various risks, whether on the network or outside the network (offline)
An object of the present invention is to provide a settlement system that enables business transactions with peace of mind.

[0014]

According to a first aspect of the present invention, there is provided:
Means for transferring the monetary information, including provisional settlement information, to the payee of the price, which is settled by the notification of the confirmation that the item to be paid has been fulfilled, and confirmation of the fulfillment of the item to be paid for the price And means for making a final settlement of the money information based on the payment method.

[0015] According to such a configuration, the payer (such as a product purchaser or a service requester) uses the provisional settlement information included in the money information at the time of purchasing a product or requesting a service, and receives the payment destination (sale). , Service provider, etc.), and the payment destination can secure the product price or the service price based on the provisional settlement information. Therefore, the payee can eliminate the risk of collecting the payment. Further, when conducting a commercial transaction on the network, the payee can easily confirm the identity of the payer by making a formal settlement request for monetary information including provisional settlement information.

The financial information including the provisional settlement information, which is settled by the notification of the confirmation that the item to be paid has been fulfilled, is generated by the issuing financial institution, and is generated by the issuing financial institution. It preferably contains information on the amount of the purchase price of the goods or the amount of the service consideration, which is frozen within the balance of the payer's account and cannot be transferred until the final settlement, and the authentication of the issuing financial institution.

[0017] According to such a configuration, the payee receives the monetary information including the provisional settlement information, which is settled by the notification of the confirmation that the issuing financial institution has fulfilled the item to be paid. That you have secured it in your payer account,
It can be confirmed with the certification of the issuing financial institution. Therefore, instead of relying on the personal credit of the payer,
Fulfillment of payment target items (supply of goods, provision of services, etc.) can be performed. Here, the service refers to, for example, nursing and nursing care, termite extermination work, agency work such as cooking, washing and cleaning, and on-site cleaning work such as futons and carpets.

Preferably, the monetary information including the provisional settlement information includes payment target information indicating a payment target. According to this, the monetary information including the provisional settlement information is replaced with the payment target information indicating the payment target. Therefore, the issuing financial institution can confirm based on more detailed information at the time of the final settlement, and can effectively prevent the occurrence of a settlement accident for an improper settlement request. Further, it is possible to prevent the payer from using the monetary information including the provisional settlement information for other purposes.

Further, in addition to the above configuration, a means for storing a final settlement request from a payee, a means for storing a final settlement approval request from a payer, a step for storing the final settlement request and a final Means for performing the main settlement based on the settlement approval request may be provided.

According to such a configuration, the final settlement request from the payee is accepted, but the final settlement is not performed without the final settlement approval from the payer. Disappears.

[0021] Preferably, the system has a transaction management device for relaying transmission and reception of transaction information. Although transaction status cannot be confirmed when conducting business transactions only between the parties, the payer, the payee, the confirmer who confirms the items to be paid (product recipients, service beneficiaries, etc.) and financial institutions By transmitting and receiving the transaction information via the transaction management device, the transaction management device can accurately grasp all the processes of the transaction.

In the above system, when purchasing a product, the payer or the product receiver sends first third-party return certificate information including a payment ID related to the purchase of the product as authentication information, and performs a transaction. Can be provided.

[0023] The product purchaser makes a cancellation request with the contents attached with return certification information certifying that the return request has been accepted as authentication information. This allows the purchaser to request the cancellation of the transaction, and also allows the cancellation process to proceed promptly.

Further, in the above system, the payment destination is a means for monitoring the final settlement approval request or the return request, and if the final settlement approval request or the return request is not made within a certain period of time, the payment destination is the purchaser of the product. A means for sending third-party delivery proof information including the related payment ID as authentication information and requesting for final settlement approval of the transaction may be provided.

According to such a configuration, the payee manages the period from when the purchaser receives the goods to when the final settlement approval request or the return request is made, and within this period, the final settlement approval request or the returned goods is returned. After monitoring whether or not the request has been made, if none of the events occur, the final settlement is carried out with the contents attached to the delivery management information of the transaction management device that certifies that the product has been delivered to the purchaser as authentication information. Request approval. For this reason, the payment destination can perform a final settlement approval request on behalf of the purchaser, and the final settlement process can be promptly advanced.

According to a second configuration of the present invention, in a cryptographic relay system having a transaction management device for relaying transmission from a first party to a second party, the first party sends data to the second party. When transmitting, the data is encrypted with a unique encryption key between the first party and the transaction management apparatus, and the transaction management apparatus has means for requesting transmission to the second party. It is a cryptographic relay system.

According to such a configuration, the first party and the second party that transmit and receive the encrypted data to and from the transaction management device in the cryptographic relay system each manage a unique encryption key and decryption key. The transmitting side transmits the encrypted data with the transmission request specifying the transmission destination without being aware of the encryption interface with the transmission destination (reception side), and the transaction management device transmits the data using a unique decryption key with the transmission side. Is once decrypted, and is re-encrypted into encrypted data that can be decrypted only by the transmission destination using an encryption key unique to the designated transmission destination and transmitted. Further, the receiving side that has received the encrypted data from the transaction management device decrypts the data with a decryption key unique to the transaction management device without being conscious of the encryption interface with the source of the encrypted data. Therefore, there is no danger of the data being decrypted by a third party.

That is, the transmission side encrypts and sends the data with the unique encryption key between the transaction management device and the transmission side without being aware of the encryption key and the decryption key with the transmission destination. There is no need to exchange keys and decryption keys at all.
For this reason, the management of the encryption key and the decryption key is easy for both the transmission side and the reception side, and there is no need to be aware of the encryption method and the interface of the encryption application, so that the convenience and security are dramatically improved.

According to a third aspect of the present invention, there is provided a delivery system comprising a processing device of a seller, a processing device of a purchaser or a product receiver, and a delivery management device provided for a deliverer of a product. The delivery management device includes means for storing delivery information based on a delivery request from the seller's processing device, and, when the product is delivered to a product recipient, a receipt signature of the product and a payment ID associated with the product purchase. Means for generating third-party delivery certification information including the following.

According to such a configuration, the delivery management device which has received the delivery request from the seller manages the receipt signature of the delivery destination and generates delivery certification information including the payment ID related to the delivered product. , You can prove the fact that you delivered the goods.

According to a fourth aspect of the present invention, there is provided a delivery system comprising a processing device of a seller, a processing device of a purchaser or a product receiver, and a delivery management device provided for a deliverer of a product. The delivery management device includes means for storing return delivery information based on a return delivery request from a product receiver, a signature of the return requester, and payment I related to product purchase.
Means for generating first third-party return certificate information including D.

According to such a configuration, the delivery management device manages the signature of the return requester when there is a return delivery request from the product receiver, and sets the payment ID associated with the product to be returned.
In order to generate the delivery proof information including, the fact that the return process has been started can be proved.

According to a fifth aspect of the present invention, there is provided an electronic content sales system having at least a seller's processing device, a purchaser's processing device, and an intermediary transaction management device. Management means for managing the decryption key of the electronic content sold by the processing device of the purchaser, and means for transmitting to the processing device of the purchaser in response to a request from the processing device of the purchaser. It is an electronic content sales system.

According to such a configuration, the transaction management device in the electronic content sales system manages the decryption key of the electronic content on behalf of the seller of the electronic content,
Since the decryption key is passed in response to the request of the electronic content purchaser, it is possible to accurately manage whether the electronic content has reached the purchaser without fail.

According to a sixth configuration of the present invention, in a transaction management device that mediates transmission from a first party to a second party, data is received between the first party and the transaction management device using a unique encryption protocol. And a means for transmitting the received data between the second party and the transaction management apparatus using a unique cryptographic protocol.

According to such a configuration, since the transaction is performed via the transaction management device, the sender of the transaction information receives the encryption key of the receiver or sends the encryption key of the transmitter. No need at all. In addition, since the sender encrypts and sends with the only unique encryption key between the transaction management device and the sender, there is no need to exchange encryption and decryption keys with any receiver. There is no danger of decrypting transaction information. Further, since the transmitting side can easily manage the encryption key and does not need to be aware of the encryption method, the interface of the encryption application, and the like, the convenience and security are dramatically improved.

According to a seventh aspect of the present invention, in a transaction management device which mediates settlement processing for provisional payment, which is settled by a notification of confirmation that an item to be paid has been fulfilled, Means for monitoring the final settlement approval request or return request performed after receipt; and, if the final settlement approval request or the return request is not made within a certain period, send third party delivery certification information as authentication information, A transaction management device comprising: means for making a payment approval request on behalf of the transaction management device.

According to such a configuration, the transaction management device determines whether the purchaser has made a final settlement approval request or has returned the product based on the date and time when the purchaser received the product. Because of the monitoring, it is possible to accurately grasp the transaction status, such as whether to shift from the provisional settlement state to the main settlement or to cancel the transaction.

According to an eighth aspect of the present invention, in a transaction management device for mediating settlement processing of provisional payment, which is settled by a notice of confirmation that the item to be paid has been fulfilled, Means for monitoring whether or not to make a cancellation request, and means for sending a third-party return certificate information as authentication information when the cancellation request is not made within a certain period of time, and for making a cancellation request on behalf of A transaction management device, comprising:

According to such a configuration, the transaction management device performs the transaction cancellation request when the seller (payee of the price) needs to make a transaction cancellation request to the transaction management device due to the failure of the transaction. The purchaser or the goods receiver does not need to check the status of the cancellation of the transaction by himself / herself because it monitors whether or not the processing of the request to cancel the transaction should occur.

According to a ninth aspect of the present invention, in a transaction management device for mediating the purchase and sale of electronic contents, a means for managing a decryption key of the electronic contents which the seller encrypts and sends to the purchaser, and decryption for the purchaser. A transaction management device comprising: means for sending a key; and means for issuing certification information of a third-party witness.

According to such a configuration, the transaction management device in the electronic content sales system manages the decryption key of the electronic content on behalf of the seller of the electronic content,
Since the decryption key is passed in response to the request of the electronic content purchaser, it is possible to accurately manage whether the electronic content has reached the purchaser without fail.

According to a tenth aspect of the present invention, there is provided a transaction management apparatus for mediating the purchase and sale of electronic content, comprising: means for determining whether or not the content received by the purchaser is defective; Means for notifying the buyer,
Means for retransmitting the decryption key to the purchaser when it is determined that the decryption key is defective.

According to such a configuration, the transaction management device in the electronic content sales system manages the decryption key of the electronic content on behalf of the seller of the electronic content,
Since the decryption key is passed in response to the request of the electronic content purchaser, it is possible to accurately manage whether the electronic content has reached the purchaser without fail.

An eleventh configuration of the present invention is a transaction management device that mediates between a delivery management device provided for a product deliverer, a processing device of a seller, and a processing device of a purchaser or a product receiver. Means for receiving registration of third-party delivery proof information of the delivery management device, means for receiving registration of first third-party return proof information that certifies that a return request has occurred, and that the seller has received the return Means for receiving registration of second third party return certificate information for certifying the third party return certificate.

According to such a configuration, delivery certifying information for certifying that the product has been delivered, return certifying information for certifying that the returned product has been accepted, and final certifying information for certifying that the returned product has been delivered to the seller. When each of the return certificate information is generated by the delivery management device, it is registered in the transaction management device, so that the transaction management device can grasp an accurate situation in each process of the transaction. In addition, by using each certification information as approval information of a third party, it is possible to prevent a trouble in the transaction.

According to a twelfth configuration of the present invention, money information including provisional settlement information, which is transferred to a payment destination and settled by notification of confirmation that the item to be paid has been fulfilled, is stored. It is a portable storage medium characterized by the above.

According to such a configuration, the money information including the provisional settlement information, which is settled by the notification of the confirmation that the item to be paid has been fulfilled, can be stored in a portable storage medium such as a portable card. In this case, it is possible to pay the purchase price online using a network or the like, or to directly pay a portable storage medium when purchasing the product. For this reason, the convenience of payment is improved and the opportunity for purchasing the product is expanded.

According to a thirteenth configuration of the present invention, in a terminal connected to a financial institution, financial information including provisional settlement information, which is settled by a notification of confirmation that a matter to be paid has been fulfilled, is stored. A terminal device comprising means for issuing a stored portable storage medium.

According to such a configuration, an ATM (Automatic Teller) connected to the issuing financial institution by using the portable storage medium is used.
Machine) or the like, and forgery of a portable storage medium can be prevented.

Further, if the terminal is provided, it is issued without limitation to the place. Therefore, the payer (the requester of the portable storage medium) issues a ticket to the sales office of the issuing financial institution. Even if is closed, the portable storage medium can be obtained at any time if the terminal is operating.

According to a fourteenth aspect of the present invention, in a terminal connected to a financial institution, monetary information including provisional settlement information, which is settled by notification of confirmation that a matter to be paid has been fulfilled, is stored. Based on the stored portable storage medium,
A terminal device comprising means for transmitting a final settlement request to a financial institution.

According to such a configuration, the payment destination inserts the portable storage medium transferred from the price payer as provisional settlement money into a terminal such as an ATM connected to the issuing financial institution. Since the settlement request can be made, even a payee who does not have a network-connected sales management device can make a provisional payment system transaction.

According to a fifteenth configuration of the present invention, in a terminal connected to a financial institution, when collection information is entered in an inserted portable storage medium, the portable storage medium is automatically removed after processing is completed. A terminal device comprising a collecting means.

According to such a configuration, when a portable storage medium is issued from a terminal such as an ATM connected to the issuing financial institution, it is displayed whether or not automatic collection is to be performed after processing is completed. In the case of a portable storage medium that is marked for collection, it can be automatically collected after confirming the end of processing.
Unauthorized use can be prevented, and resources can be saved by reusing portable storage media.

According to a sixteenth aspect of the present invention, in a delivery management device provided for a product deliverer, means for storing product delivery information based on a product delivery request from a seller, and providing the product to a product recipient. A delivery management device comprising: means for generating third-party delivery certification information including a receipt signature or a proxy signature of the receiver and a payment ID for purchasing a product when the delivery is made.

According to such a configuration, the delivery management device that receives the delivery request from the seller manages the receipt signature of the delivery destination and generates delivery certification information including the payment ID related to the delivered product. , You can prove the fact that you delivered the goods.

According to a seventeenth aspect of the present invention, there is provided a delivery management device provided for a product deliverer, for storing return delivery information based on a return delivery request from a product recipient.
A delivery management device comprising: means for generating first third party return certificate information including a signature or a proxy signature of the receiver who has requested a return and a payment ID related to the purchase of the product.

According to such a configuration, the delivery management device manages the signature of the requester when receiving a return delivery request from the recipient of the product, and sets the payment ID for the product to be returned.
In order to generate the delivery proof information including, the fact that the return process has been started can be proved.

According to an eighteenth aspect of the present invention, there is provided a financial processing apparatus provided in a financial institution, wherein the financial information including the provisional settlement information is settled by the notification of the confirmation that the item to be paid has been fulfilled. Means for receiving a request for issuance of
Means for managing the amount of the monetary information as an amount that is frozen within the balance of the account of the payer of the price and cannot be transferred until the final settlement is performed, and means for issuing monetary information including the provisional settlement information A financial processing apparatus comprising:

According to such a configuration, in the financial processing apparatus, the amount required for the issuance request can be frozen within the account balance of the payer of the price, so that the person who has received the money information can receive the amount of money. Can be trusted by financial institutions.

According to a nineteenth aspect of the present invention, in a financial processing device provided in a financial institution, means for receiving a transfer request for provisional settlement money from a payee, and whether a final settlement approval request has been made. Confirmation means, and if the final payment is approved, based on the contents of the transfer request,
Means for transferring money to the payee or transferring electronic money;
Means for storing transfer request information in a database when the final settlement is not approved.

According to such a configuration, the payee does not need to request the financial processing device of his / her financial institution to collect the final settlement. The transfer destination (financial account of your own financial institution, your own electronic wallet, etc.) of the amount after this settlement is made directly to the financial processor of the financial institution of the transaction financial institution of the payer
, A more rapid final settlement is performed.
Also, the notification of the transfer destination can be performed together with the final settlement request, so that the convenience is improved. In addition, the final settlement can be automatically performed by the financial processing device of the financial institution of the transaction of the payer of the price.

According to a twentieth aspect of the present invention, in a financial processing apparatus provided in a financial institution, there are provided means for accepting a final settlement approval request, and means for checking the validity of the accepted final settlement approval request. A financial processing apparatus characterized in that:

According to such a configuration, the validity check of the final settlement approval request can be quickly and accurately performed in the financial institution processing apparatus of the payer of the payment, and the final settlement can be automatically performed. it can.

According to a twenty-first configuration of the present invention, in a financial processing apparatus provided in a financial institution, a means for receiving a request for cancellation of provisional settlement and a means for checking the validity of the received request for cancellation of provisional settlement are provided. A financial processing device comprising:

According to such a configuration, in the financial processing device of the payer, when the payer or the receiver of the goods returns the goods, or when the item to be paid is not fulfilled, It is possible to request that the payment of the monetary information, including the provisional settlement information, to be settled by the notification of the confirmation that the item to be paid has been performed is stopped. Therefore, the payer of the price or the product receiver can cancel the transaction, return the product, and the like with ease.

According to a twenty-second configuration of the present invention, in a financial processing apparatus provided in a financial institution, a means for receiving a request for cancellation of provisional settlement, a means for receiving a complaint for returned goods (return complaint), a request for cancellation of provisional settlement, And a means for suspending a request for cancellation of provisional settlement when there is a return complaint corresponding to (1).

According to such a configuration, in the financial processing apparatus of the payer, even if the payer or the goods receiver requests the cancellation of the provisional settlement associated with the returned goods, there is a problem with the returned goods. Replacement of product, damage of product,
If there is a shortage, etc.), the seller can suspend the unilateral provisional settlement cancellation by sending a return complaint stating that the product has a problem.

A twenty-third configuration of the present invention includes provisional settlement information that is settled in a payment processing device provided in a payer of payment by a notice of confirmation that an item to be paid has been fulfilled. A payment processing device comprising means for issuing a request for issuing money information.

According to such a configuration, it is possible to receive monetary information including provisional settlement information using the payment processing device. According to a twenty-fourth configuration of the present invention, in the payment processing device provided in the price payer, means for requesting the payment target to the payment destination is provided, and the payment target is fulfilled. Means for transferring monetary information, including temporary settlement information, settled by the notification of the confirmation to a payee of the price.

According to such a configuration, it is possible to easily perform an order for a product or a request for a service and transfer of money information for payment by using the payment processing apparatus.

According to a twenty-fifth configuration of the present invention, in a sales management device provided in a seller of a product, a means for receiving an order for a product from a purchaser of the product, and financial information including provisional settlement information from the purchaser are provided. And a requesting unit for performing a final settlement after sending the product to a product receiver.

According to such a configuration, by using the sales management device, the seller of the product can settle the money in the provisional settlement information by the notification of the confirmation that the item to be paid has been fulfilled. Based on the information, it can be confirmed that the product price has been secured by the financial institution. For this reason, a product can be sold with confidence without relying on personal trust.

A twenty-sixth configuration is a means for monitoring a final settlement approval request or a return request after receipt of a merchandise by a sales management device provided in a merchandise seller; When the request or the return request is not made, the receiver sends third-party delivery proof information certifying that the product has been received as authentication information, and has a means for making the settlement approval request on behalf of the receiver. It is a sales management device characterized by the following.

According to such a configuration, the sales management device can perform the final settlement approval on behalf of the payer based on the fact that there is no cancellation request or return from the payer or the goods receiver within a certain period. Since the request can be made, the product price can be reliably collected.

According to a twenty-seventh configuration of the present invention, a means for making a final settlement approval request based on a receipt confirmation of a product sent from a seller in a receipt processing device provided at a product receiver when the product is normal is received. A receipt processing device comprising:

According to such a configuration, the reception processing device checks the contents of the product itself (manufacturer name, quality, authenticity, etc.) as well as checking the contents of the received product and the contents of the order. You can easily pay for the goods.

According to a twenty-eighth configuration of the present invention, in a payment processing device provided for a payer or a confirmer who confirms a matter to be paid, the performance of the matter to be paid, which is payment condition information, is fulfilled. Means for monitoring deadlines;
If the payment target is not fulfilled within the performance deadline, send payment condition information as authentication information,
Means for making a transaction cancellation request.

According to such a configuration, the payment processing apparatus can execute the payment by the due date (the delivery date of the ordered product, the work start date of the service, etc.) of the item to be paid. If not, a request to cancel the transaction can be made easily.

According to a twenty-ninth configuration of the present invention, in a sales management device provided at a payment destination, a means for receiving a payment target item from a payment user and a payment target item are fulfilled. Means for receiving monetary information including provisional settlement information, means for monitoring the execution deadline of the item to be paid, which is the payment condition information, and receiving the payment within the execution deadline. A means for notifying a payer of the price or a confirmer who confirms a matter to be paid for when the item is not fulfilled.

According to such a configuration, when the sales management device cannot execute the payment target item by the execution deadline, the sales management device checks the payer or the payment target item by itself. By automatically notifying the confirmer, mutual trust can be established.

The delivery management device described above is used in FIG.
And the like, and the financial processing device corresponds to FIG.
The payment processing device corresponds to the purchaser processing device shown in FIG. 11 or the like, and the sales management device corresponds to the seller processing device shown in FIG. 11 or the like. Corresponds to the device. When the product receiver is the same as the purchaser, the reception processing device corresponds to the purchaser processing device in FIG.

[0084]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described below with reference to FIG.
This will be described with reference to FIGS. A preferred embodiment of the present invention comprises eight embodiments, first to eighth. In this specification, first, the schematic configuration and processing of the first to eighth embodiments will be briefly described with reference to FIGS. 1 to 20, and then the present invention will be described with reference to FIGS. An embodiment of each constituent device constituting the system will be described.

First, the schematic structure and processing procedure of the first embodiment will be described with reference to FIGS. FIG. 1 shows the first
FIG. 1 is a system configuration diagram showing an embodiment. In this figure, 1 is a product purchaser processing device as a processing device held by a product purchaser, 2 is a product seller processing device as a processing device held by a product seller, 3 is a product purchaser has an account Buyer-transaction financial institution processing device (processing device installed in financial institution), 4 denotes seller-transaction financial institution processing device in which product seller has an account (processing device installed in financial institution)
It is.

The product purchaser processing device 1 includes a product management database (hereinafter simply referred to as “DB”) 10 for storing information on purchased products, and electronic money (money information) of the product purchaser.
And a return management DB 12 that manages a return request for purchased merchandise. In addition, the merchandise seller processing device 2 includes a merchandise sales management DB 20 that manages sales of merchandise, a money management DB 21 that manages information on electronic money received from a merchandise purchaser, and a return that manages returns from merchandise purchasers. A management DB 22;

Further, the purchaser transaction financial institution processor 3
Is an account management DB 30 that manages accounts of customers (product purchasers in the figure) of financial institutions, and a provisional settlement money management DB 31 that manages provisional settlement money issued based on customer requests.
And a final settlement management DB 32 for managing the process of funding (final settlement) of the provisional settlement money issued by the buyer's transaction financial institution money processing apparatus 3.

Here, “temporary settlement money” is electronic money issued by a financial institution, and is an electronic money that can be cashed by a financial institution only after a product purchaser confirms receipt of a product by a product purchaser. (Money information including provisional settlement information). As will be described in detail later, processing such as confirmation of receipt of a product is performed in the third step.
The processing unit of the user can perform the processing on behalf of the user.

The seller transaction financial institution processing device 4 includes an account management DB 40 for managing accounts of customers (commodity sellers) of the financial institution, and a book of temporary settlement money from a customer who has an account in the processing device 4. It has a final settlement request management DB 41 for managing settlement requests (final settlement request).

Next, the main settlement processing in the first embodiment will be described with reference to the flowchart shown in FIG. In FIG. 2, each processing in the product purchaser processing device 1, the product seller processing device 2, the purchaser transaction financial institution processing device 3, and the seller transaction finance Isoseki processing device 4 is shown in a strip shape from the left end. The relationship between the processes between the devices is indicated by the process line extending between the two. For convenience of explanation, the product purchaser processing device 1 is (A), the product seller processing device 2 is (B), and the purchaser transaction financial institution processing device 3 is (F).
1) In some cases, the seller transaction financing processing device 4 is indicated by (F2).

In FIG. 2, first, the product purchaser processing device 1 of the product purchaser transmits a product purchase request to the product seller processing device 2 (step 100 (hereinafter abbreviated as “S100”)). The merchandise seller processing device 2 that has received the merchandise purchase request checks the merchandise sales management DB 20 to check the stock, sales price, and the like of the merchandise associated with the request, and transmits the result to the purchaser processing device 1. (S102). The purchaser processing device 1 that has received the sale price of the product stores this information in the product management DB 10. Next, the product purchaser processing device 1 transmits a request for issuing temporary settlement money for the value of the product related to the purchase request to the purchaser's transaction financial institution processing device 3 (S104). At the same time, the product purchaser processing device 1 transmits identification information (purchase statement information) of the product to be purchased as a use of the provisional settlement money.

The purchaser's transaction financial institution processing device 3 having received the provisional settlement money issuance request refers to the balance information and the like in the account management DB 30 and obtains the designated purchaser's account for the designated amount (value). It is determined whether or not temporary settlement money can be issued, and if possible, the balance of this account is frozen by that amount to issue temporary settlement money. The issuance of the provisional settlement money is performed by using the provisional settlement money information in the provisional settlement money management DB3.
1 and then transmitted to the purchaser (S106).

The provisional settlement money includes, in addition to the amount information, identification information of the issuing financial institution, information for identifying the provisional settlement money or the corresponding transaction (money ID or payment ID, and these are collectively referred to in the following description). This is referred to as “payment ID”, and stores identification information of merchandise for identifying the use of the provisional settlement money, seller information, and the like.

When issuing the provisional settlement money, the purchaser's transaction financial institution processing device 3 sets important contents (amount, amount, etc.) of the provisional settlement money for the purpose of preventing falsification of the provisional settlement money and use of the provisional settlement money for other purposes. Blind signature is attached to product identification information and seller information). Here, the blind signature is
This is an encryption method that encrypts with an encryption key that is not disclosed to others and prevents a third party from decrypting it. When the seller makes a final settlement request to the purchaser financial institution processing device 3, the purchaser transaction financial institution processing device 3 decrypts the blind signature with an encryption key that is not disclosed to others, and the plaintext of the provisional payment money Compare with the applicable contents. If the person who has received the blind-signed provisional settlement money changes either the contents of the blind signature or the plaintext contents of the provisional settlement money, the two do not match, and it can be recognized that the contents have been tampered with. Further, when transmitting the provisional settlement money to the commodity seller processing apparatus 2, the product purchaser processing device 1 encrypts the plain text of the provisional settlement money, the blind signature, and the authentication information of the financial institution with the purchaser's common key, and The seller who has received the settlement money can obtain and decrypt the common key of the purchaser.

As described above, when issuing the provisional settlement money, the purchaser transaction financial institution processor 3 freezes the amount of the issued provisional settlement money in the balance of the product purchaser's account. That is, the designated amount is subtracted from the balance information of the product purchaser's account in the account management DB 30, and the amount information of the provisional settlement money issued corresponding to the customer's account is used to identify this transaction. Information (Payment I
D) together with the temporary settlement money DB 31. The amount stored in the provisional settlement money DB will be described in detail in the following processing. When a notification that the product corresponding to the payment ID has been delivered to the product purchaser (or the product recipient) is received, This is such that the merchandise seller is allowed to fund the provisional settlement money corresponding to the payment ID. On the other hand, when a notification that the transaction corresponding to the return of the product corresponding to the payment ID has been canceled is received, the provisional settlement money corresponding to the payment ID is added to the account balance of the product purchaser in the account management DB 30. Added again, after which the product buyer can use the funds for other uses.

Receiving the provisional settlement money (including the payment ID, the financial institution identification information, and the use identification information) (S10)
6) The product purchaser processing device 1 performs the money management DB 11
The information of the provisional settlement money is stored in the. At the same time, the payment ID assigned to the provisional settlement money is stored in the commodity management DB in association with the product to be purchased so as to identify which provisional settlement money was used for the payment.

Next, the merchandise purchaser processing apparatus 1 transmits the provisional settlement money to the merchandise seller processing apparatus 2 (payment of the provisional settlement money: S108). As described above, at this time, the payment ID attached to the provisional settlement money is also transmitted. This payment ID may be a money ID used for identifying the provisional settlement money on the side of the purchaser transaction financial institution processing device 3, but may be arbitrarily generated between the commodity purchaser and the commodity seller to generate the provisional settlement money. It may be registered in the purchaser's transaction financial institution processing device 3 at the time of issuance.

The merchandise seller processing device 2 that has received the provisional settlement money checks the validity (validity) of the provisional settlement money, for example, as follows. The provisional payment money includes plaintext financial institution identification information, a message digest function (one-way function such as a hash function) of the financial institution, and a digital signature of the certification authority for the financial institution identification information as authentication information. It is assumed that At this time, the merchandise seller processing device 2 first applies a message digest function to the plaintext financial institution identification information. Next, the public key of the certificate authority is obtained, and the digital signature of the certificate authority is decrypted.
Then, the application result of the message digest function is compared with the decryption result of the digital signature, and if they match, it is recognized that the money is valid temporary settlement money. In addition to checking the financial institution identification information, it is also possible to check the identity of the purchaser and check the validity of the payment ID. When using authentication information for identity verification, a check method similar to that for checking financial institution identification information is used. If the result of the check is OK, the information of the provisional settlement money is stored in the money management DB 21 and the corresponding payment ID is set to the commodity ID so that the provisional settlement money is related to the sales of the commodity. It is stored in the sales management DB 20.

As another method, as shown in FIG. 3 and FIG. 14, which will be described later, before the commodity is sent out (when the provisional settlement money is received), the identification information of the financial institution included in the provisional settlement money is used. The financial ID may be used to confirm the validity of the provisional settlement money using the payment ID. In this case, the identification information of the product to be sold is sent to the financial institution, and the validity of the application is also checked, whereby it is possible to detect that the temporary settlement money is illegally copied.

Next, the merchandise seller processing device 2 instructs the shipping of the merchandise (S110), and if there is provisional settlement money corresponding to the shipment of the merchandise, the merchandise seller processing device 2 determines whether the corresponding provisional settlement money is available. A final settlement request is transmitted to the seller financial institution processing device 4 of the financial institution having the account (S112). This collection request is a proxy processing request for the final settlement request to the purchaser's transaction financial institution processing device 3. At this time, an account number of the merchandise seller and a merchandise list are transmitted together with the provisional settlement money. In addition, the merchandise seller processing device 2
Sends the final settlement request directly to the buyer transaction financial institution processor 3 that issued the provisional settlement money without sending the final settlement request (agent processing request) to the seller transaction financial institution processor 4. It goes without saying that it may be transmitted.

The seller transaction financial institution processing unit 4 which has received the final settlement request for provisional settlement money from the merchandise seller processing unit 2 transmits the received final settlement request information together with the account information for depositing funds to the final settlement collection request. The final settlement request is stored in the settlement collection request management DB 41, and the account to be deposited is specified and transmitted to the processing device (purchaser transaction financial institution processing device 3) of the financial institution that has issued the provisional settlement money (S114).

On the other hand, the merchandise purchaser who has received the merchandise (received the merchandise) confirms the received merchandise. Enter the product confirmation OK. On the other hand, if the received product is defective and unsatisfactory, a return process is performed as shown in FIG. This return processing will be done later in FIG.
The key is a process of canceling the provisional settlement money, making the final settlement impossible, and returning the purchaser's account to the original balance.

Upon receiving the input of the product confirmation OK, the product purchaser processing device 1 transmits a final settlement approval request for provisional settlement money corresponding to the product to the purchaser transaction financial institution processing device 3 (S116). . At least a payment ID for identifying the provisional payment money is attached to this final payment approval request.

Upon receiving the final settlement request from the merchandise seller, the purchaser's transaction financial institution processor 3 compares the commodity list sent with the final settlement request with the commodity information stored in the provisional settlement money, for example. The validity is checked by a method such as If the check result is OK,
The final settlement request is stored in the final settlement management DB 32.

Further, the purchaser transaction financial institution processing device 3
Upon receiving the final payment approval request from the product purchaser, the final payment management DB 32 stores the request. When both the final settlement request and the final settlement approval request having the same payment ID are registered, the purchaser transaction financial institution processing device 3 performs the final settlement process based on the final settlement request (S120). For example, if the account to be paid is specified,
The payment processing (transfer) for the amount of the provisional settlement money is performed there. Further, if the payment by electronic money is designated, for example, when the final settlement request is transmitted from the product seller processing device 2 to the purchaser transaction financial institution processing device 3 directly,
The electronic money is transmitted to the corresponding processing device (S12
4).

The seller transaction financial institution processing device 4 which transmitted the final settlement request to the purchaser transaction financial institution processing device 3
Upon receiving a transfer from the buyer's transaction financial institution processor 3,
The corresponding account balance information in the account management DB 40 is updated, and the completion of the request processing is recorded in the final settlement collection request management DB 41. Then, a notification of payment is sent to the merchandise seller processing device 2 that has made the final settlement request (S12).
2). Thereby, the final settlement is completed.

According to the first embodiment of the present invention described above, the following effects can be obtained. First, since the settlement is performed using the provisional settlement money that can be used on the premise of the settlement request, there is an effect that neither the merchandise seller nor the merchandise buyer takes any risk.

That is, the merchandise seller can confirm the contents of the provisional settlement money to know that the purchaser's fund for the merchandise has been frozen and secured by the merchant financial institution, so that the merchandise seller can feel safe. Products can be shipped to buyers.

[0109] On the other hand, the purchaser confirms the product and then requests approval for the final payment, thereby enabling the payment for the first time. Therefore, there is a risk that the purchaser will pay in advance and receive a poor product. Absent.

Further, since information relating to the purchase of goods and provisional settlement money information can be managed in a database and each processing using the same can be automatically performed, the operator (purchase, seller) can order the goods and confirm the order. Except at times, you are not required to enter data. As a result, there is an effect that product purchase can be realized more safely and easily.

Next, the processing flow of the second embodiment is shown in FIG.
It will be described based on. Note that the same components as those in the above-described first embodiment are denoted by the same reference numerals, and description thereof is omitted.

In the first embodiment, each time a product purchaser purchases a product, the purchaser requests the processing device 3 of the purchaser's transaction financial institution to issue temporary settlement money. In the second embodiment, the configuration is the same as that of FIG. 1, but the payment account money as electronic money that can be used in the same manner as cash is held in advance in the product purchaser processing device 1 of the product purchaser, At the time of product purchase, it is possible to select whether to use this electronic money as provisional settlement money or normal electronic money.

Here, the settlement account money includes money amount information and can be distributed as electronic money. However, it is issued based on the buyer's account,
This electronic money has the property of being funded for the first time when there is a legitimate settlement request and this account is settled.

Hereinafter, the processing flow of the second embodiment will be described with reference to FIG. First, the product purchaser processing device 1
Transmits a settlement account money issuance request for a desired amount to the purchaser transaction financial institution processing device 3 (S130).

The purchaser transaction financial institution processing device 3 having received the settlement account money issuance request refers to the balance information and the like in the account management DB 30 as in the case of the provisional settlement money in FIG. It is determined whether the settlement account money for the minute can be issued from the product purchaser's account (whether the balance or the credit balance is sufficient). If possible, the designated amount is subtracted from the balance information of the product purchaser's account in the account management DB 30, and the amount information is used together with information (money ID) for identifying the settlement account money corresponding to the amount. It is stored in a settlement account management record in the account management DB 30.
Next, the settlement account money corresponding to the amount is transmitted (issued) to the product purchaser processing device 1 (S132).

Next, a procedure for purchasing a product using the settlement account money will be described. First, the product purchaser processing device 1 holding the settlement account money transmits a product purchase request to the product seller processing device 2 (S140). The merchandise seller processing device 2 that has received the merchandise purchase request checks the merchandise sales management DB 20 to check the stock and sales price of the merchandise, and transmits the result to the purchaser processing device 1 (S142). ). The purchaser processing device 1 that has received the sales price of the product stores the received information in the product management DB 10.

Next, the merchandise purchaser processing device 1 prompts the merchandise purchaser to select how to pay. For example, the following is selected. (1) Using the settlement account money, the main settlement can be performed without confirming the receipt of the product. (2) Using settlement account money, it is possible to make final settlement after confirming receipt of the product.

Since the settlement account money has no predetermined use unlike the provisional settlement money of the first embodiment, the person who receives the settlement account money sends a legitimate final settlement request to this settlement account. Just show it to the issuing financial institution (product purchaser financial institution processor 3) together with the account money ID,
This settlement account money can be funded. The process (1) permits the product seller to perform this process. The process (2) performs the process of the first embodiment described above.

In the second embodiment, a description will be given of the processing in the case of selecting “(2) using the settlement account money to enable final settlement after confirming the receipt of the product” in the above (2). In this case, the product purchaser processing device 1 generates payment account money for the purchase product amount from the payment account money information stored in the money management DB 11, and calculates the purchase product amount from the payment account money balance. Update after deduction. The merchandise purchaser processing device 1 adds, to the settlement account money for the generated purchase merchandise amount, identification information indicating that the settlement account money is provisional settlement and an ID to be added to the money ID (for example, this transaction A payment ID, which is identification information for identification, is assigned to make “temporary settlement money” and a blind signature of a product purchaser is given. The purpose of blindly signing the product purchaser is to enable the purchaser's transaction financial institution processing device 3 that has finally received the settlement account money to confirm that it has been issued by a legitimate customer. .

Next, the merchandise purchaser processing device 1 transmits the generated settlement account money to the merchandise seller processing device 2 (S144). The merchandise seller processing device 2 that has received the settlement account money performs shipping of the product and processing of the settlement request for the settlement account money. In the first embodiment (FIG. 2), the seller processing device 2 makes the final settlement request after or at the time of shipment of the product.
As shown in, a request is made to the purchaser transaction financial institution processing device 3 to confirm the legitimacy of the received settlement account money, and a final settlement request is made (S146). This final settlement request includes payee information. For example, if it is desired to transfer (pay) the fully settled funds to a predetermined account of the product purchaser's financial institution, the account information is included. Also, if you want to receive directly with electronic money, the address of the product purchaser (address of the product purchaser processing device)
Can be specified.

[0121] Processing unit 3 of purchaser's transaction financial institution that has received the settlement account money validity check request and the final settlement request
Checks the blind signature information of the settlement account money based on the information stored in the account management DB 30 and the settlement account money to confirm the legitimacy of the settlement account money.
At this time, for example, the blind signature information is decrypted using the encryption key of the product purchaser, and the result is compared with the corresponding information. If the two match, the legitimacy of the settlement account money is confirmed. In addition, the purchaser transaction financial institution processing device 3
Performs identity verification based on the identity of the seller who made the request. The method of verifying the identity is the same as the method of checking the validity of the provisional settlement money described above. If these check results are OK, the purchaser's financial institution processing device 3
Stores the settlement account money and the account information of the merchandise seller of the payment destination in the main settlement management DB 32, and transmits the check result to the merchandise seller processing device 2 (S148).

If the check result is OK, the merchandise seller processing device 2 stores the information necessary for merchandise sales management, and performs a merchandise shipping process (S150).

The goods purchaser who has received the goods or the goods receiver (recipient) who is a third party specified by the goods purchaser
Confirms the received product (S151), and if OK, inputs product confirmation OK to the product purchaser processing device 1. On the other hand, if the received product has a defect, the process shifts to a return process described later with reference to FIG.

Next, the merchandise purchaser processing apparatus 1 sends a final settlement approval request for the settlement account money corresponding to the merchandise whose receipt has been confirmed by the purchaser to the purchaser transaction financial institution processing apparatus 3 (S152). This settlement approval request includes at least a payment ID for identifying settlement account money.

When the purchaser's transaction financial institution processing device 3 receives the final payment approval request of the product purchaser, it processes this final payment management D
B32, and the result is notified to the purchaser processing apparatus 1 (S154).

When both the final settlement request and the final settlement approval request having the same payment ID are registered, the purchaser transaction financial institution processing device 3 performs the final settlement process based on the final settlement request (S155). ). In this process, if the account of the merchandise seller of the payment destination is specified, payment is made for the amount of the money information including the provisional settlement information there (S156). If payment by electronic money has been designated, electronic money is transmitted to the corresponding processing device (S160).

When the seller's financial institution processor 4 having the seller's account receives the transfer from the buyer's transaction financial institution processor 3, the corresponding account balance information in the account management DB 40 is updated, and The processing device 2 is notified of the payment (S158).

As a result, the main settlement processing of the second embodiment is completed. According to the configuration as described above, the “settlement account money” previously issued as money information
In addition, since provisional payment can be performed by blindly signing and transferring provisional payment information indicating that payment is made on condition of the final payment approval request, substantially the same effects as in the first embodiment can be obtained.

Also, since the provisional settlement information is blind-signed and attached to the settlement account money for transfer, there is an effect that illegal use by falsification or illegal copying by a third party can be effectively prevented.

In the first embodiment, the blind signature of the issuing financial institution is added to the provisional settlement money, and in the second embodiment, the purchaser's blind signature is added to the settlement account money. However, in any of the embodiments, the blind signature of the issuing financial institution and the purchaser can be used together.

Next, a third embodiment will be described with reference to FIGS. As shown in FIG. 4, the settlement system according to the present embodiment includes a transaction management device 5 installed in a transaction management center that manages commercial transactions. The same components as those in the first embodiment are denoted by the same reference numerals, and detailed description thereof will be omitted.

As shown in this figure, the transaction management device 5
Encryption key management DB50, purchaser information DB51, seller information DB52, financial institution information DB53, seller information DB54, transaction management DB55, final settlement site monitoring D
B56 and a return site monitoring DB 57.

The encryption key management DB 50 stores the public key, common key, common key unique to the transaction management device and the user, and the secret key of the transaction management device for all users who transmit and receive via the transaction management device 5. And manage it.

The purchaser information DB 51 stores and manages personal information of purchasers, network IDs, financial institution information, and the like. The seller information DB 52 stores and manages personal information of a merchandise seller, a network ID, information of a financial institution, and the like.

The financial institution information DB 53 stores the transaction management device 5
And stores and manages personal information, a network ID, and the like of a financial institution that issues electronic money, settles funds, and the like.

The deliverer information DB 54 stores and manages personal information, a network ID, and the like of a delivery company (product delivery company) that delivers goods or returns goods.
The transaction management DB 55 manages purchaser's product purchase information, payment information, settlement results, and the like. It also manages merchandise seller information, merchandise shipping information, merchandise return information, and cancellation information associated with merchandise returns. Further, it manages third party delivery proof information by a deliverer, first third party return proof information, and second third party return proof information described later.

Further, the final settlement site monitoring DB 56 monitors whether or not a commodity purchaser or a commodity receiver has made a final settlement approval request or a return request within a predetermined period after the commodity receiver has received the commodity. It is.

The return site monitoring DB 57 monitors the status of the occurrence of a return request from a product receiver or a purchaser, acts as a substitute for the cancellation request process in response to the occurrence of a return request, monitors the site of the cancellation process of the product seller, and sells the product. It monitors the status of complaints for returns from the seller.

The detailed configuration of the transaction management device 5 will be described after the description of the processing steps of the third to eighth embodiments. FIG. 5 shows a processing flow of the main settlement via the transaction management device 5. In the processing of the present embodiment, the transmission message is encrypted and decrypted. In order to simplify and show the steps of the encryption and decryption, the commodity purchaser processing device 1 is denoted by A, the purchaser's transaction financial institution processing device 3 by F1, the transaction management device 5 by TC, and the seller's transaction financial institution processing device. 4 is denoted by F2, and the merchandise seller processing device 2 is denoted by B.

For example, in the product purchase request in step 170 (S170), (encryption A-TC) is displayed. This is because the product purchaser processing device A uses the encryption key for the transaction management device TC. Means that the transaction management device TC decrypts the message using the decryption key for the product purchaser processing device A. The term "encryption" includes electronic authentication, and also includes encryption using a common key for the product purchaser processing device A of the transaction management device TC. Also, you can use multiple types of keys in combination,
This includes a message encrypted using a message digest function, and the point is that the message is encrypted by a method that can be decrypted (identified) only by the other party to which the message is sent. In addition, about the process after this, it describes like (A-TC) and the description is abbreviate | omitted.

In the third embodiment, all information is transmitted and received via the transaction management device 5 in principle. That is, the transaction management device 5 receives the encrypted information from the sender, decrypts the information using the decryption key for the sender, and then authenticates the information with the authentication of the transaction management device 5 to the receiver. Re-encrypted with the encryption key for sending to the recipient.

For example, when transmitting the product purchase request in step 170, the transaction management device 5 receives the encrypted product purchase request information, accesses the purchaser information DB 51, confirms the identity of the purchaser, Encryption key management DB
The decryption key for the purchaser is extracted from 50 and the received product purchase request is decrypted. The product purchase information is stored in the transaction management DB 55, and the encryption key management D
The encryption key for the merchandise seller as the information transmission destination is extracted from B50, and the merchandise purchase information is re-encrypted with the authentication of the transaction management device 5. Then, in step 172,
The re-encrypted product purchase information is transmitted to the product purchaser processing device 2.

As described above, the transaction management apparatus 5 always intervenes in the transmission and reception of information, decrypts the received information using the transmission source decryption key extracted from the encryption key management DB 50, and stores it in the transaction management DB 55. I do. At the same time, the information is re-encrypted with the encryption key for the destination extracted from the encryption key management DB and transmitted to the destination.

The processing steps S170 to S21 shown in FIG.
0 is the same as the processing procedure of the first embodiment except that the transaction management device 5 intervenes in this way. Therefore, the detailed description is omitted.

According to the configuration of the third embodiment, the following effects can be obtained. First, the transaction management device 5 relays the transmission and reception of information between the processing devices 1 to 4, so that the product purchaser processing device 1 and the product seller processing device 2
There is no need to exchange encryption and decryption keys between them. This has the effect of improving security and eliminating the need to generate and change an encryption key for each transaction.

Second, since the transaction management device 5 can centrally manage the progress of transactions, consistency of transactions can be achieved, and the occurrence of problems between the processing devices 1 to 4 can be effectively reduced. There is an effect that can be prevented.

Next, a fourth embodiment will be described with reference to FIGS.
0 will be described. The system according to the fourth embodiment has the same configuration as that of the third embodiment (FIG. 4), except that electronic content is handled as a target of a commercial transaction.
The transaction management device 5 (TC) not only mediates information communication but also functions as a third-party witness.

[0148] Here, "electronic content transaction" is a term for "distribution transaction" dealing with tangible commodities, and is a transaction relating to intangible commodities such as software distributed on a network. The difference from the logistics transaction is that the idea of return cannot be applied because it can be easily copied. Therefore, in the present embodiment, the transaction management device 5 manages the transaction as a third-party witness institution.

Further, in the present embodiment, unlike the above-described embodiment, in the payment processing or the cancellation processing, necessary access from the merchandise seller processing device 2 (B) or the merchandise purchaser processing device (A) within a certain period. When there is no transaction management device 5 (T) as shown in FIG. 8, FIG. 9 and FIG.
C) The settlement process or the cancellation process is forcibly performed under the responsibility of C).

The normal settlement processing will be described below with reference to FIGS. In the present embodiment, the description of the provisional settlement money issuing process is omitted. The provisional settlement money may be the provisional settlement money described in the first embodiment, or may be the settlement account money described in the second embodiment. The description of the same processing steps as those in the above-described embodiment will be simplified.
Also in the present embodiment, the transaction management device 5 decrypts and re-encrypts information, but the description is omitted here.

First, the product purchaser processing device 1 transmits an order for a product to the transaction management device 5 together with the provisional settlement money (S
220). Next, the transaction management device 5 registers the product purchase information and the provisional settlement money information in the transaction management DB 55,
The information is re-encrypted and transmitted to the merchandise seller processing device 2 (S222). The merchandise seller processing device 2 has a merchandise management D
B20 is accessed to check the stock, take out the electronic content, and send it to the purchaser processing apparatus 1 (S224). The electronic content sent here is
It consists of "digest" and "content". The “digest” is a trial version or an introduction version of the content, and the purchaser can know the content of the content to some extent. This content is transmitted unencrypted. Also, the content, which is the main unit, is encrypted with a different encryption key for each purchaser, and unless the content decryption key provided by the seller is different for each purchaser, the contents cannot be viewed. ing. Further, by imprinting a blind signature of a seller different for each purchaser on a plurality of locations of the content, tracking of unauthorized copying can be facilitated.

The merchandise seller processing device 2 proceeds to step 226.
Transmits the content decryption key to the transaction management device 5, and the transaction management device 5 stores it as transaction information in the transaction management DB 55.

The purchaser who has received the electronic content looks at the digest (S225) and, if he / she likes it, requests the cancellation management device 5 for a content decryption key (S234). In this way, by requesting the content decryption key from the product purchaser processing device 1, it is possible to simulate the purchaser's will to pay for the content. The transaction management device 5 becomes a witness (third-party witness) by registering this request in the transaction management DB 55.

Next, the transaction management device 5 transmits the content decryption key to the product purchaser processing device 1 (S2).
36). The product purchaser processing device 1 decrypts the content using the content decryption key. At this time, if the decryption can be performed, the process proceeds to the final settlement approval request process shown in FIG. 7 (S241). On the other hand, when the decryption cannot be performed, the electronic content is transmitted to the transaction management device 5 together with the cancellation request (S240). In response to the cancellation request, the transaction management device 5 requests the electronic content from the merchandise seller processing device 2 to confirm whether the electronic content can be decrypted (S242). In response, the product seller processing device 2 transmits the electronic content before decryption to the transaction management device 5 (S244). Next, the transaction management device 5
Attempts decryption using the content decryption key managed by itself, and if decryption is possible, resends the decryption key to the product purchaser processing device 1 (S246). If decryption is not possible, a cancellation acceptance notice is transmitted to the product purchaser processing device 1 (S248).

Next, the final settlement approval process (S241) will be described with reference to FIG. In the payment process, first, the product purchaser processing device 1 transmits a final settlement approval request to the transaction management device 5 (S250). The transaction management device 5
This is registered in the transaction management DB 55, and the final settlement approval request is transmitted to the purchaser transaction financial institution processing device 3 with the authentication of the product purchaser (A) (S252). Here, the authentication of the product purchaser means information indicating that the transaction management device 5 has confirmed the purchaser information.

The purchaser transaction financial institution processor 3 confirms whether the final settlement request (collection request) has been received from the merchandise seller processor 2 based on the provisional settlement money management DB 31 (S253). If a final settlement request has already been received from the seller, the buyer's transaction financial institution processing device 3 transfers the price to the seller's transaction financial institution processing device 4 to perform the main settlement (S254). The institution processing device 4 transmits the payment notification to the product seller processing device 2 (S25).
8).

On the other hand, if the final settlement request has not been registered yet, the buyer's transaction financial institution processing device 3 transmits a reminder of the final settlement request to the transaction management device 5 (S26).
0). The transaction management device 5 transmits a final settlement request request to the merchandise seller processing device 2 based on the request (S262). Based on this, the merchandise seller processing device 2 transmits the final settlement request to the transaction management device 5 (S264), and the transaction management device 5
Transmits the final settlement request including the details of the transfer request to the buyer's transaction financial institution processing device 3 with the authentication of the merchandise seller (B) (S266). As a result, if the conditions of the final settlement are satisfied, the purchaser's transaction financial institution processing device 3 performs the transfer by the final settlement process in the above-described step (S254). Also,
In the case of NG, the result is transmitted via the transaction management device 5,
It is transmitted to the merchandise seller processing device 2 (S268, S27)
0).

Next, the “site monitoring of payment processing” step will be described with reference to FIG. “Site monitoring” means term monitoring. In the present embodiment, when the buyer does not perform the necessary payment processing (final settlement approval request) forever, the transaction management device 5 forcibly performs the payment processing as a third-party witness institution.

For this purpose, first, as shown in FIG. 8, the transaction management device 5 determines whether or not payment has been made (S28).
0) If payment has not been made, payment site monitoring is performed (S)
282). The payment site monitoring period starts from the date of receipt of the product or the date of delivery of the decryption key in the third-party delivery proof information, and starts from the site monitoring period of the system (for example, 7 days) or the site in the third-party delivery proof information. The monitoring period is set. If the payment process shown in FIG. 7 is not performed during the set site monitoring period, it is determined that the site is over (S284). Next, the transaction management device 5 determines whether or not the process is provisional settlement. If not, the transaction management device 5 notifies the merchandise purchaser processing device 1 of a request for payment (S288). On the other hand, if provisional settlement is in progress, a final settlement approval request (proxy request) and third-party witness authentication are transmitted to the purchaser transaction financial institution processing device 3 (S292). Based on the third-party authentication of the transaction management device 5, the purchaser's transaction financial institution processing device 3 considers that there has been a final settlement request from the product purchaser, and performs the same process as step 252 and subsequent steps (S292) shown in FIG. In step S318), payment processing is forcibly performed.

As described above, this payment site monitoring is performed from the time when the transaction management device 5 transmits the decryption key in FIG. 6 (S236). The fact that the purchaser has received the content and requested the decryption key depends on the transaction management device 5
Since it is stored in the transaction management DB 55 of (third party witness), the purchaser cannot reject the final settlement approval request. Therefore, the transaction management device 5 can perform the above-described automatic payment processing.

Next, the above-described cancellation request notification processing will be described with reference to FIG. Cancel processing is performed in step 2 of FIG.
As shown in step 28, the purchaser does not like the digest of the electronic content, and starts by transmitting a transaction cancellation request to the transaction management device 5 (S230).

As shown in step 330 of FIG. 9, the transaction management device 5 sends a cancellation request notification to the merchandise seller processing device 2. Merchandise seller processing device 2 that received the cancellation request notification
Performs a cancellation process. First, it inquires of the merchandise sales management DB 20 and the provisional settlement money management DB 21 to confirm whether or not the price of the merchandise has already been paid (in the case of prepayment) (S332). If the payment has been made, a transfer request is transmitted to the transaction management device 5 in order to refund the purchaser (S334). Transaction management device 5 receiving this
Makes an inquiry to the DBs 50, 52, 53, 55, and 57 as necessary, and transmits the transfer request to the product purchaser transaction financial institution processing device 4 with the authentication of the product seller (B) (S
336).

The seller-transaction financial institution processing device 4 accesses the account management DB 40 based on this, and transfers a predetermined amount from the product seller's account to a predetermined account (account) of the product purchaser of the product-purchase financial institution. Transfer to the management DB 30) (S
340). If this transfer has been made, the seller transaction financial institution processing device 4 notifies the transaction management device 5 of the result,
sign up.

[0164] Further, the purchaser transaction financial institution processing device 3
A notification of payment is transmitted to the product purchaser processing device 1 (S34).
2). Thus, the refund process ends. On the other hand, if it is determined in step 332 that payment has not been made (not prepaid), whether or not provisional payment has been made, that is,
It is determined whether or not provisional payment is used for the transaction (S344). If it is determined that the payment has not been made, that is, in the case of post-payment or cash-on-delivery transaction, the merchandise seller processing device 2 uses the transaction management device 5
Is notified of the cancellation approval (S346). In this case, since the price has not been paid and the product purchaser has not viewed the contents of the electronic content (since the product has not been received), it is sufficient to simply cancel the transaction. Accordingly, the transaction management device 5 transmits a cancellation completion notification to the product purchaser processing device 1 after registering in the predetermined DBs 50, 51, 52, 55 (S348).

In the process of step 332, if it is determined that the temporary payment has been made, that is, if the payment using the temporary payment money has been received, the merchandise seller processing device 2 sets the temporary payment. A cancellation request is transmitted to the transaction management device 5 (S350). The transaction management device 5 registers this in the predetermined DB 50, 52, 53, 55 and transmits a request for cancellation of the provisional settlement to the purchaser transaction financial institution processing device 3 with the authentication of the merchandise seller (B) ( S352). On the other hand, the transaction management device 5 determines whether a final settlement request has already been received from the purchaser processing device 2 (S36).
2) If received, cancel it and notify seller transaction financial institution processing device 4.

Next, the buyer transaction financial period processing device 3
In step 354, it is determined whether a final settlement request (or a final settlement approval request) has been received. If yes, the request is canceled and a notification of completion of temporary settlement cancellation is transmitted to the commodity purchaser processing device 1. (S360), and at the same time, a notice of completion of cancellation of the final settlement request is also transmitted to the merchandise seller processing device 2 via the transaction management device 5 (S356, S3).
58).

Next, the site monitoring processing of the cancellation processing will be described with reference to FIG. In the site monitoring process of the cancellation process, the merchandise seller processing device 2 performs any process related to the cancellation (S334, S346, S340) despite the notification of the cancellation request from the transaction management device 5 (S330) in FIG.
This is performed to cope with a case where S350 is not performed.
Therefore, the site monitoring is started from the time when the cancellation request notification in step 330 shown in FIG. 9 is issued.

As shown in FIG. 10, the transaction management device 5
First, it is determined whether or not a cancellation processing proxy request has been received (S380). In the case where the request for the cancellation processing is received, the transaction management device 5 does not perform the site monitoring and regardless of the notification from the merchandise seller processing device 2,
The cancellation processing of step 386 and thereafter is performed alone.

This cancellation processing is performed by the purchaser processor 2 in FIG. 9 to determine whether or not payment has been completed (S3).
32) and determine whether the payment has been made (S344)
Is performed by the transaction management device 5 as shown in steps 386 and 398 in FIG. 10, except that the processing is performed in step 332 and subsequent steps in FIG. Therefore, the detailed description is omitted.

As described above, the transaction management device 5 can perform such processing without confirming the merchandise seller.
As a third-party witness, it can prove that the product purchaser processing device 1 has not received the electronic content decryption key and has no intention to purchase the electronic content, and has a record of all transactions. It is. Therefore, the transaction management device 5 functions as a third-party witness, so that the cancellation process can be quickly and reliably performed regardless of the actual intention of the purchaser.

On the other hand, if the substitute request for the cancellation processing has not been received, the transaction management device 5 performs site monitoring as shown in steps 382 and 384, and the merchandise seller processing device 2 performs the monitoring within the monitoring period. Only when the processing shown in FIG. 9 is not performed, it is determined that the site is over, and
The cancellation processing of 6 or less is performed without checking the merchandise seller processing device 2.

According to such a configuration, the following effects can be obtained. First, since the transaction management device 5 relays the transaction, the same effect as in the third embodiment can be obtained.

Secondly, when conducting a transaction of electronic contents, the transmission of the provisional settlement money and the transmission of the decryption key of the electronic contents are relayed and managed, so that these facts can be proved as a third party witness organization. . Therefore, even if a necessary procedure is not taken within a certain period by the seller and the purchaser in the transaction management device 5, the transaction management DB 55
Can be automatically performed based on the information stored in the. For this reason, there is an effect that the settlement processing of the transaction can be performed simply, safely, quickly and reliably.

Next, a fifth embodiment will be described with reference to FIGS. In the fourth embodiment, the transaction management device 5 is used as a third party witness when conducting a transaction of electronic content. However, the fifth embodiment is a system for performing a logistics transaction. Delivery processing device 6 provided to a courier company or the like as a witness institution
(Delivery management device).

[0175] As shown in FIG.
Has a delivery management DB 60. Other components are
The description is omitted because it is the same as that of the first embodiment. Hereinafter, the operation of this system will be described with reference to FIG.

First, it is assumed that the product seller processing device 2 has already received an order from the product purchaser processing device 1.
That is, the merchandise seller processing device 2 has already received the provisional settlement money and the merchandise purchase information from the merchandise purchaser processing device 1. In this case, first, the merchandise seller processing device 2
The product delivery request is transmitted to the delivery processor 6 (S42).
2). The deliverer processing device 6 registers information for product delivery in the delivery management DB 60, and delivers the requested product to the purchaser or the recipient A specified by the purchaser (S
424).

[0177] The delivery processing unit 6 receives the receipt certificate including the personal authentication from the product purchaser processing unit 1 (S426), and registers it in the DB 60 together with the delivery date. In addition, the delivery processor 6 transmits the delivery result report information to the product seller processor 2.
(S428). This delivery result reporting information includes
It includes a receipt certificate of the product purchaser processing device 1 and an authentication of the delivery person processing device 6. These pieces of information are registered in the transaction management DBs 20 and 21 of the merchandise seller processing device 2.

Next, the merchandise seller processing device 2 determines whether a final settlement request has already been issued (S43).
0). If the final settlement request has not been issued yet, the request destination is determined in step 432. As the request destination, as described above, (a) the seller transaction financial institution processing device 4
And (b) the purchaser transaction financial institution processing device 3 can be selected. Final settlement collection request process (S434 to S440, S4
Steps 42 to S446) are the same as the steps of the main settlement request already described, and thus the description thereof will be omitted.

On the other hand, the commodity seller processing device 2 starts the site monitoring of the final settlement approval request after making the final settlement request (S448 to S452). This site monitoring
This is for forcibly performing the final settlement when there is no payment or the return process is not performed even though the final settlement request has been made. As the monitoring period,
An appropriate number of days is set as a period required from when a collection request is made to when payment is generally made.

If the monitoring period has elapsed without the final settlement completion notice (S450), the merchandise seller processing apparatus 2 forcibly starts the final settlement approval request process as a site over (S452). This final settlement approval request process functions as a third-party witness institution that certifies that the delivery company (delivery processor 6) has delivered the product, and the buyer cannot deny the purchase intention of the product unless it returns it. It is performed based on.

For this reason, the merchandise seller processing device 2 transmits a final settlement approval request to the seller transaction financial institution processing device 3 with a third-party certificate (certification of delivery of the delivery processor 6). The seller transaction financial institution processing device 3 checks that the request has a third-party certificate (S456), and if it is valid, determines the transfer destination in step 462. If the transfer destination is a seller's trading financial institution, payment is made to the seller B's account at the seller's trading financial institution (S46).
4). When the payment is made, the seller transaction financial institution processing device 4 notifies the product seller processing device 2 of the payment (S466).

On the other hand, the transfer destination is directly the merchandise seller processing device 2
, The product purchaser's transaction financial institution processing device 3
Transmits the electronic money to the merchandise seller processing device 2 (S
468). Thereby, the final settlement is completed.

According to this configuration, as in the fourth embodiment, there is a third-party witness institution other than the seller and the purchaser, and this authentication data can be attached to the provisional settlement money. Even if the purchaser does not issue the final settlement approval request, the settlement process can be performed by the third party certification. Therefore, there is an effect that the settlement process can be performed quickly and reliably.

Next, a sixth embodiment will be described with reference to FIGS. In the system of the fifth embodiment, the delivery processing device 6 for delivering the product to the product purchaser is provided. However, in the present embodiment, as shown in FIG. And a delivery processor 7 for performing the delivery. The delivery processing unit 7 also has a delivery management D
B70. FIG. 14 is a diagram for explaining a normal settlement, and FIG. 15 is a diagram for explaining a return process. In FIG. 14, the deliverer processing device 7 for returning goods does not function, and only the deliverer processing device 6 for performing delivery functions.

First, the merchandise purchaser processing device 1 transmits a merchandise order request and provisional settlement money to the merchandise seller processing device 2 (S480). The merchandise seller processing device 2 confirms the stock in the DB 20 based on this, and if there is no stock, the merchandise seller processing device 1 together with the provisional settlement money received the result.
Is transmitted (returned) (S482). If there is a stock, the notification is transmitted to the product purchaser processing device 1 (S484). Next, the merchandise seller processing device 2 transmits a final settlement request (transfer request) to the purchaser transaction financial institution processing device 3 (S486). The purchaser transaction financial institution processing device 3 checks the content (S488), and notifies the result to the product seller processing device 2 (S490).
When the result of the check is OK, only the result is notified, but when the result of the check is NG, the result is transmitted to the merchant seller processing device 2 together with the provisional settlement money. If the result is NG, the product seller processing device 2
Return the provisional settlement money without shipping the product (S49
2).

If the result is OK, the merchandise seller processing device 2 sends a merchandise shipping notification to the merchandise purchaser processing device 1 (S494), and requests the merchant processing device 6 to send the merchandise shipment. Is transmitted (S496), and the deliverer processing device 6 returns the acceptance certificate (receipt) to the merchandise seller processing device 2 (S498).

On the other hand, based on the shipping request received by the delivery company processing device 6, the delivery company delivers the product to the purchaser (S50).
0). The product purchaser processing device 1 issues a receipt certificate (S
502), the deliverer processing device 6 attaches the delivery person authentication to this, and sends it to the product seller processing device 2 (S504).

On the other hand, in step 506, the purchaser confirms the delivered product, and if satisfied, issues a final settlement approval request to the purchaser transaction financial institution processing device 3 (S50).
8). Based on this, the purchaser transaction financial institution processing device 3 transfers the purchase price to the seller's account of the seller transaction financial institution (S512). The seller transaction financial institution processing device 4 transmits the payment notice to the product seller processing device 2 (S514). In addition, the purchaser transaction financial institution processing device 3
Transmits the result of the transfer to the product seller processing device 1 (S
510).

Thus, the ordinary settlement processing ends.
On the other hand, if the purchaser is not satisfied with the product in step 506, the return process shown in FIG. 15 is performed.
In the return processing step, a delivery processing apparatus 6 for performing a normal delivery or a delivery processing apparatus 7 for performing a return may be used. Here, description will be made using the delivery processing unit 7.

First, the merchandise purchaser processing device 1 requests the delivery processing device 7 to send out a return (S520).
A receipt certificate (receipt) for the request is received (S52).
2). In addition, the delivery person Y sends the returned goods to the merchandise seller (S524) and obtains the receipt certificate (S52).
6).

On the other hand, the merchandise purchaser processing apparatus 1 stores the returned goods reception certificate (receipt) in the DB 12 and transmits a provisional settlement cancellation request and a returned goods reception certificate to the purchaser's transaction financial institution processing apparatus 3 based on the certificate (receipt receipt) ( S528). The transaction financial institution processing device 3 compares the result of the reception with the product purchaser processing device 1
(S530).

Note that the transaction management device 5 does not immediately execute the transaction cancellation processing, but sets the number of mediation days (X) (S532).
Monitor for complaints about merchandise returned by the seller.

That is, in step 538, the seller inspects the returned article and determines whether to approve or reject the returned article (make a complaint about the returned article). Then, a return approval or a return complaint is transmitted to the buyer's transaction financial institution processor 3 (S54).
0).

The purchaser transaction financial institution processing device 3
While the arbitration days are decremented by 1, the return complaint or the return approval is monitored (S546 to S554). If there is a return complaint, the complaint flag is turned ON (S544) and the purchaser processing device 1 is notified (S54).
2) The temporary settlement processing is not canceled.

On the other hand, if the number of arbitration days has become 0 without the complaint flag being set (S546), the purchaser's transaction financial institution processing device 3 performs a temporary settlement canceling process (S558). Further, this is notified to the product purchaser processing device 1 (S556).

According to such a configuration, the same effect as in the fifth embodiment can be obtained. In addition, by using home delivery company Y as a third-party witness institution for returning goods,
The number of mediation days can be set based on the third party certification of the home delivery company, and claims processing and the like can be performed.

Next, the seventh embodiment will be described with reference to FIGS.
8 will be described. As shown in FIG. 16, the system according to the seventh embodiment differs from the system according to the sixth embodiment (FIG. 13) in that the transaction management device 5 relays the transaction as well as the transaction as in the third embodiment. Is to be managed. The same components as those described above are denoted by the same reference numerals, and detailed description thereof will be omitted.

Next, a processing flow of a physical distribution transaction in the present embodiment will be described with reference to FIG. First, the product purchaser processing device 1 transmits a product order request and provisional settlement money to the product seller processing device 2 via the transaction management device 5 (S570, S572). At this time, the transaction management device 5
Performs the decryption and re-encryption of the information and registers the transaction in the DB 55 as described in the third embodiment.

Next, the merchandise seller processor 2 stores the received provisional settlement money in the provisional settlement money DB 21 and accesses the commodity sales DB 20 to check the stock of the commodity, and notifies the result of the settlement to the final settlement request. Is transmitted to the transaction management device 5 (S574). The transaction management device 5 stores it in the DB 55 and transmits only the result notification to the product purchaser processing device 1 (S576). In addition, the settlement request is transmitted to the purchaser transaction financial institution processing device 3 together with the authentication of the seller B (S578). The purchaser transaction financial institution processing device 3 registers it in the DB 32,
The registration result is transmitted to the transaction management device 5 (S580).

On the other hand, the merchandise seller processing device 2 transmits a merchandise shipping request to the deliverer processing device 6 for delivering the merchandise (S582). The deliverer processing device 6 transmits the reception certificate (receipt) to the merchandise seller processing device 2 (S58).
4).

Further, the deliverer processing device 6 transmits the registration of receipt of the product delivery to the transaction management device 5 (S58).
6), deliver the product to the product purchaser (S588). The merchandise purchaser who has received the merchandise issues a receipt certificate to the deliverer (S590). The deliverer processing device 6 registers the receipt certificate in the DB 60, and transmits the receipt certificate to the merchandise seller processing device 2 with the delivery person authentication (S592).

On the other hand, the merchandise purchaser who has received the merchandise confirms the merchandise (S593), and sends a final settlement approval request to the transaction management device 5 if the merchandise is the desired merchandise (S594).

The transaction management device 5 has its own transaction management DB 5
5 and if the final settlement request has already been registered, the final settlement approval request is authenticated by the purchaser A and transmitted to the purchaser transaction financial institution processing device 3 on the condition that the final settlement request is already registered. It is transmitted (S596).

The processing unit 3 of the purchaser's transaction financial institution makes a payment (transfer) to the account of the seller of the seller's transaction financial institution based on it (S600), and the processing unit 4 of the seller's transaction financial institution sells goods Notification of payment is made to the user processor 2 (S602). In addition, the seller transaction financial institution processing device 3
Sends this notification to the merchandise seller processing device 1 via the transaction management device 5 after making this transfer (S6).
04, S606).

When the product purchaser transfers the money information including the provisional settlement information to the merchandise seller and sends the goods to the third party as the goods recipient, the money information including the provisional settlement information including the payment ID includes: Add the personal information of the product recipient. The merchandise receiver confirms the receipt of the merchandise in the same manner as when the merchandise purchaser receives the merchandise.
A final settlement approval request is made based on D and the recipient's identity.
Further, if the confirmation result is NG, the return request is made to the delivery person, the first third party return proof information received from the delivery person is sent, and the temporary settlement cancellation request is made.

On the other hand, if the purchaser is not satisfied with the product in step 593, the return process shown in FIG. 18 is performed. As shown in FIG. 18, the return processing is first started when a return shipping request is transmitted from the product purchaser processing apparatus 1 to the deliverer processing apparatus 7 for delivering the return (S620). This return shipping request is registered in the DB 70 of the delivery processor 7, and a return acceptance certificate is issued to the product purchaser processor 1 (S622). At the same time, the deliverer processing device 7 accesses the transaction management device 5 and registers the return shipping request reception (S624). This return shipping request will include buyer information, product purchase details,
Includes seller information and delivery authorization. The delivery person
The returned goods are delivered to the merchandise seller (S626).

Next, the merchandise purchaser processing apparatus 1 sends a temporary settlement cancel request to the transaction management apparatus 5 (S628), and the transaction management apparatus 5 registers this in the transaction management DB 55. The transaction management device 5 transmits the provisional settlement cancellation request and the purchaser authentication, the return request, and the deliveryer authentication to the purchaser transaction financial institution processing device 3 (S630).

[0208] The purchaser's transaction financial institution processing device 3 registers this in the DB and sets the number of days X as the arbitration period. This arbitration period is set in order to monitor the return authorization from the seller or the return complaint. If there is a return complaint during this arbitration period, the temporary settlement release process described later should not be performed. It has become. The arbitration days X are obtained by adding an average number of days for delivery and a number of days to allow for delays in delivery to the number of days Y normally required for inspecting returned goods. This mediation period is
The date when the return is requested to the delivery processor 7 is defined as a starting point.

[0209] Further, the purchaser transaction financial institution processing device 3
The result notification is transmitted to the product purchaser processing device 1 via the transaction management device 5 (S636). On the other hand, merchants
At step 638, a proof of receipt of the return is issued to the deliverer. The delivery processor 7 transmits the return delivery completion to the transaction management device 5 based on the receipt certificate (S640), and the transaction management device 5 registers this in the DB and then transmits it to the purchaser transaction financial institution processing device 3. (S642).

[0210] Since the actual delivery date can be known here, the purchaser transaction financial institution processing device 3 resets the period of the number of days Y starting from that date as the above-mentioned arbitration period. The number of days Y is, as described above, the number of days normally required to inspect a product. In this way, by resetting the arbitration period, it is possible to more accurately monitor returned goods.

Next, the purchaser's transaction financial institution processor 3
Registers the result of the return completion registration in the transaction management device 5 (S646), and the transaction management device 5 transmits a return completion notification to the product purchaser processing device 1 (S648).

On the other hand, the seller inspects the returned merchandise, determines in step 650 whether or not to approve the returned product. It notifies the financial institution processing device 3 (S652, S654). The purchaser transaction financial institution processing device 3 performs a temporary settlement release process (elimination of account freeze, etc.) accordingly, and transmits the result to the transaction management device 5 (S656). The transaction management device 5 transmits a temporary settlement release notification to the product purchaser processing device 1 (S658). This step is not performed if there is no return authorization within the arbitration period.

[0213] If the return of merchandise is not approved, the merchandise seller processing device 2 determines in step 660 whether or not there is a complaint related to the returned product. Yes (S66
2). The return complaint is further processed by the delivery processor 7
And the return complaint flag is turned ON (S666). Further, the return complaint notification is transmitted from the transaction management device 5 to the product purchaser processing device 1 (S
668).

With the above, the return processing is completed. According to such a configuration, the effects described below can be obtained. That is, in the present embodiment, the progress of the physical distribution transaction can be centrally managed by the transaction management device 5, and the consistency of the transaction can be checked. Also, a courier company Z that delivers the goods
By using the courier company Y that returns the product as a third party witness and using the authentication information of this courier company, the transaction can proceed regardless of the seller or the trader. Therefore, there is an effect that the settlement processing of the commodity transaction can be performed quickly and reliably.

Next, the eighth embodiment will be described with reference to FIGS.
0 will be described. In the eighth embodiment, a magnetic card or an IC card as an information storage medium is used as provisional settlement money.

That is, in the above-described first to seventh embodiments, the provisional settlement money is data stored in the money management DB 11 of the merchandise purchaser processing device 1 and communicates between communication devices such as servers. Was transferred by doing so. However, the provisional settlement money is not limited to this, and may be issued as an information storage medium in which the provisional settlement money information is stored.

FIG. 19 shows the overall configuration of this system. The same components as those in the above-described embodiment are denoted by the same reference numerals, and description thereof will be omitted. FIG.
, Reference numerals 80 and 81 denote financial institution terminals (A
TM terminal, etc.). The product purchaser A accesses the purchaser transaction financial institution processing device 1 through the financial institution terminal 80, and receives the provisional settlement money card 82 as a storage medium in which the provisional settlement money information is stored in a magnetic storage unit or the like. . At the same time, through this financial institution terminal 80,
The main settlement approval request card 83 storing the main settlement approval request information is received.

The product purchaser hands the provisional settlement money card 82 to the product seller in exchange for the product or before receiving the product. The merchant sells the money card 82
Is also applied to the financial institution terminal 81, and the personal authentication information and the payee information are input to the financial institution terminal 81. This allows the terminal 81 to issue a final settlement request to the purchaser's transaction financial institution processing device 3 or issue a collection request to the seller's transaction financial institution processing device 4. . At this time, the financial institution terminal 81 collects the provisional settlement money card 82 and issues a receipt indicating that the final settlement has been performed. By collecting the card 82 in this way, fraud by reuse can be effectively prevented, and the card can be reused.

On the other hand, after confirming the received commodity, the commodity purchaser uses the final settlement approval request card 83 in which the final settlement request information is stored, and through the financial institution terminal 80, purchaser transaction financial institution processing device 3 Send a settlement approval request to This final payment approval request card 83 is also used in this terminal 8
0 and will be reused.

Next, the processing flow of this system will be described in more detail with reference to FIG. First, the product purchaser requests the financial institution processing device 3 to issue a provisional settlement money card through the terminal device 80 (S700). The purchaser transaction financial institution processing device 3 accesses the account management DB 30 and checks the balance and the like (S710), and then generates temporary settlement money information in the temporary settlement money management DB 31.
Temporary settlement money card 82 which records this information from the terminal
Is issued (S720). Specifically, this terminal 80
Stores a large number of card base materials.
The provisional settlement money information is written in the magnetic recording portion of the card base material by the card reader / writer provided in the card reader. After that, the card is issued to the purchaser by discharging the card.

Next, the product purchaser makes a product purchase request to the product seller and hands over the provisional settlement money card (S730). After checking the product purchase request and the card 82 (S740), the product seller checks
The product is delivered to the product purchaser (S750). After confirming the product (S760), the product purchaser applies the final settlement approval request card 83 to the terminal 80 when the product is satisfactory, and sends it to the purchaser transaction financial institution processing device 3. The final settlement approval request is transmitted (S770). The fact that the purchaser transaction financial institution processing device has accepted the final settlement approval request is displayed on the terminal device 80 (S780).

On the other hand, the merchandise seller, after shipping the merchandise, applies the provisional settlement money card 82 to the financial institution terminal 81 and inputs a transfer destination (reservation of the transfer destination). The information recorded on the provisional settlement money card and the reservation of the transfer destination are transmitted to the purchaser transaction financial institution processing device 3 (S790). The purchaser's transaction financial institution processing device 3 accesses the provisional settlement money DB 31 to collate with the provisional settlement money information, performs a check (S800), and notifies the financial institution terminal 81 operated by the purchaser. (S810), the result of the check is displayed. If the check is OK and the final settlement request and the transfer destination reservation are made, the terminal 81 automatically collects the temporary settlement money card 82 as used, based on the request (S820). When the card is collected, the processing unit 3 of the buyer's transaction financial institution transfers the payment to the processing unit 4 of the seller's transaction financial institution (S83).
0), the seller's transaction financial institution device 4 notifies the merchandise seller of a payment based on the notification (S840).

In step 850, the purchaser's transaction financial institution processing apparatus 3 notifies the purchaser of the product that the settlement (payment) has been completed. Through such steps, the normal payment processing ends.

On the other hand, if the received product is not the desired product in step 760, the product purchaser returns the product to the product seller (S860). After registering the return in the merchandise management DB 20 of the seller processing device 2, the seller returns the provisional settlement money card 82 to the merchandise purchaser (S870). The product purchaser who has received the provisional settlement money card 82 applies the provisional settlement money card 82 to the financial institution terminal 80 and inputs the provisional settlement money cancellation processing, so that this message is processed by the purchaser transaction financial institution. The data is transmitted to the device 3 (S880). The processing unit 3 of the purchaser's transaction makes the terminal 80 erase the information written on the card based on the information and automatically collects the card (S910). Also, in case of error,
The message is displayed (S900).

According to such a configuration, even a purchaser or a seller without a communication device such as a server can use the electronic payment system for provisional payment. In addition, since the necessary procedure can be performed only by applying the provisional settlement money card to the ATM, the purchaser and the seller do not have to input much information.

In this embodiment, when the seller makes a final settlement approval request, the seller can manually input the final settlement request to the ATM terminal. However, since it is necessary to input a lot of information such as product purchase information, it is very time-consuming and troublesome. By using the final settlement approval request card 83, these operations are not required, and the final settlement approval request can be surely made.

When the commodity purchaser transfers the money information including the provisional settlement information to the commodity seller and sends the commodity to a third party as the commodity receiver, the money information including the provisional settlement information including the payment ID includes: Add the personal information of the product recipient. The merchandise receiver confirms the receipt of the merchandise in the same manner as when the merchandise purchaser receives the merchandise.
A final settlement approval request is made based on D and the recipient's identity.
Further, if the confirmation result is NG, the return request is made to the delivery person, the first third party return proof information received from the delivery person is sent, and the temporary settlement cancellation request is made.

Next, each component of the system constituting the above-described first to eighth embodiments, that is, a product purchaser processing device 1, a product seller processing device 2, a purchaser transaction financial institution processing device 3, The configurations of the seller transaction financial institution processing device 4, transaction management device 5, delivery person processing device 6, and delivery person processing device 7 for returned goods will be described.

The function of each device described below is the first function.
It may not be used in some of the eighth to eighth embodiments, but is used in other embodiments.

First, the transaction management device 5 will be described for convenience of explanation. The transaction management device 5 includes a product purchaser processing device 1, a product seller processing device 2, a purchaser transaction financial institution processing device 3, a seller transaction financial institution processing device 4, a deliverer processing device 6, and delivery for return. It relays information communication between the user processing devices 7 and has roughly the following functions.

First, when mediating transmission / reception between devices, the device has a function of transmitting / receiving data using an encryption protocol unique to each of the sender and the receiver. Second, when mediating the provisional payment settlement process, it monitors whether the product purchaser makes a final settlement approval request or a return request within a certain period after receiving the product,
If these are not performed, the third party has a function of using the third-party delivery proof information as authentication information and performing a final settlement approval request on behalf of the third party.

Third, it is monitored whether or not the merchandise seller makes a request for cancellation by return. If this cancellation request is not made within a certain period, the third party's return certificate information is used as authentication information. It has a function to perform a cancellation request on behalf of the user.

Fourth, in the mediation of the electronic content transaction, the merchandise seller processing device 2 manages the decryption key of the electronic content that is encrypted and transmitted to the merchandise purchaser processing device 1, and sends this decryption key to the purchaser. It has a function and a function of issuing certification information of a third-party witness.

Fifth, at the same time as the fourth function, a function of determining whether or not the electronic content is defective, a function of notifying the electronic content to the product purchaser processing device 1 if the electronic content is defective, and a decoding function If the key has a defect, it has a function of resending the decryption key to the purchaser.

Sixth, when mediating between a deliverer, a seller (commodity delivery requester) and a purchaser (commodity receiver), registration of third-party delivery certification information from the deliverer processing devices 6 and 7 is performed. Accepting function and the first to prove that a return has occurred
Has a function of accepting registration of third party return certificate information and a function of accepting registration of second third party return certificate information that certifies that the seller has received the returned merchandise.

In order to perform these functions, the transaction management device 5 is configured as shown in FIG. That is, the arithmetic and control unit 1010 for controlling the entire apparatus
A communication control unit 1020 for connecting to a line with each device as a transmission / reception partner, a database control unit 1040 for controlling each database, and a transaction management processing unit 1500 for executing each function of the transaction management device 5 , An input / output processing unit 1030, and a memory (random access memory) 1050.

As shown in FIG. 21, the database control unit 1040 includes an encryption key management DB 50 and a purchaser information DB 5
1 (management DB for buyer processing device information), seller information DB 52 (management DB for seller processing device information), and financial institution information DB 53 (management D for financial institution processing device information)
B), and manages and controls a deliverer information DB 54 (management DB of the deliverer processing device information), a transaction management DB 55, a final settlement site monitoring DB 56, and a returned site monitoring DB 57.

The structure of these databases managed and controlled by the database control unit 1040 is shown in FIG. That is, the buyer information DB 51 and the seller information D
B52, financial institution information DB53, delivery person information DB54
Means that the transaction management device 5 performs transmission and reception with the buyer processing device 1, the seller processing device 2, the transaction financial institution processing devices 3 and 4, and the delivery processing devices 6 and 7, which are relay targets of transmission and reception Required information, ie ID, network address,
It manages transmission and reception protocols and the like.

The encryption key management DB 50 manages an encryption key and an encryption protocol unique to each device used for transmission and reception with each device, and the encryption keys 1110 and 112 for each device.
0, 1130, 1140, and 1150 are purchaser information DBs
51, the seller information DB 52, the financial institution information DB 53, and the attribute information shown in each device information stored in the deliverer information DB 54.

Further, the transaction management DB 55 stores the contents and progress of each transaction, and authentication information which is evidence of the transaction. That is, as shown in FIG.
And merchandise order information 1330, payment management information 1340, delivery management information 1360, and return management information 1370 of the transaction referred to by the transaction status 1320.

[0241] The final settlement site monitoring DB 56 is a database for monitoring the final settlement approval request and the return request after the commodity is received as described above. After the commodity delivery certificate is received, the commodity order information 1330 is stored in the database. It is moved to the final settlement site monitoring DB 1400 and monitored.

The return site monitoring DB 57 is a database for monitoring a cancellation request in the case of a return as described above, and after receiving a return delivery, stores the product management information 1370 as return management information. Is used to monitor returns for returns.

Of these, the encryption key management DB 50, the transaction management DB 55, the final settlement site monitoring DB 56, and the returned site monitoring DB 57 will be described in more detail. FIG.
Shows the configuration of data stored in the encryption key management DB 50.

The encryption key 1110 of the transaction management device 5 itself is
The configuration is as shown in FIG. That is,
“Own secret key K (S, TC)” 1112 and public key K
"Certificate institution certificate of transaction management device" including (P, TC)
1114 is stored.

Also, the purchaser key 1120 and the seller key 113
0, the financial institution key 1140, and the deliverer key 1150 are as shown in FIG.
The configuration is as shown in FIG. That is, "Device I
D ”1121,“ common key ”1122 for each device ID,“ certification certificate of the device (including public key) ”1 for each device ID
123, a “common key exclusively for transmission / reception with the transaction management device” 1124 for each device ID, and a “paired key for transmission / reception only with the transaction management device” 1125 for each device ID. The pair key 1125 is
A public key 1126 and a secret key 1127 are included.

Next, the features of encryption and decryption performed using these encryption keys will be described with reference to FIG. First, the background of encryption and decryption in the present embodiment will be described.

In general, when an electronic message is transmitted / received in an electronic commerce, when ordering goods, paying electronic money, transmitting electronic contents, transmitting electronic money by means of final settlement, and transferring money, it is only possible for others to look into privacy. There is also a risk of unauthorized use.

[0248] Therefore, RSA (Rivest-Shamir-Adle), which is a secret key / public key method using different keys for encryption and decryption, is used.
man), DSA (digital signature algorithm), and the like, and DES (Data Encryption Standard) and FE, which are common key systems that use the same key for encryption and decryption.
Various encryption schemes such as an encryption scheme such as AL (fast encryption algorithm) have been devised, and these are used to encrypt and send a message so that it is not known to others. In addition, the current encryption method is as follows:
Can be classified into types.

In the first method, the transmitting side receives a public key, which is an encryption key of the receiving side, or obtains an authentication certificate of the receiving side, extracts the public key, and uses the public key. Encrypt and send the message. The receiving side decrypts the received message using its own private key paired with the public key.

In the second method, the transmitting side encrypts a message using the common key which is the encryption key. In addition, the common key of the transmission side is encrypted with the public key of the reception side separately obtained so that the reception side can decrypt it, and it is transmitted together with the encrypted message. The receiving side decrypts the common key of the transmitting side using its own secret key, and decrypts the message encrypted with the obtained common key of the transmitting side. However, if the transmitting side common key has been sent to the receiving side in advance, only the message is encrypted with the transmitting side common key and sent.

However, in these conventional encryption systems, if the transmitting side encrypts a message using its own common key, the message must be disclosed to another person (receiving side). In order to protect privacy, it is necessary to change the secret key every time. Further, when encryption is performed using the public key of the receiving side, complicated processing for obtaining the public key of the other party must be performed. When transmitting to the same partner for the second time or later, the public key of the partner may be managed on the DB so that the transmission can be performed without obtaining the public key. However, in this case, not only is there a huge number of files for management, but even if the public key of the other party is changed, synchronization cannot be achieved, and there is a risk that the message will not be correctly transmitted to the receiving side.

A method for solving the above problems is an encryption / decryption method via the transaction management device 5 of the present invention.
This scheme is shown in FIG. In this figure, the symbol representing the encryption key is represented as K (α (β), γ). Here, α represents the type of the encryption key, and P
Indicates a public key, S indicates a secret key, and C indicates a common key. γ represents the owner of the encryption key of α. β is the transaction management device 5 (TC) when the owner γ is the transaction management device 5 (TC).
(TC), and the owner γ is the transaction management device 5
(TC), the transaction management device 5 (T
C). This user uses the transaction management device 5
It has a unique and unique encryption key used to communicate with it, which is not disclosed to any third parties. The encryption key in which β is not entered can be disclosed by the owner γ.

Now, in FIG. 24, the transmitting side 1200
(A) shows a plurality of receiving sides 1220 (B) and 1230 (C).
To send the same message to the receivers 1220 (B) and 1230 (C) at the same time. In these cases, the transmitting side 1200 (A) uses the three types of encryption keys (
The common key “K (C, A)” on the transmitting side, and the only common key “K (C (A), T”) between the transmitting side and the transaction management device 5 (TC)
C), the only public key “K (P (TC), A)” between the sender and the transaction management device 5 (TC)) and the secret key “K (S, A) on the sender for digital signature. , The message including the identification information of the receiving side (the device ID of the receiving side, personal information, etc.) is encrypted, and the transaction management device (TC) 12
Send to 10. At this time, the transmitting side 1200 (A) does not need to be aware of the encryption keys of the receiving side 1220 (B) and 1230 (C).

The transaction management device 5 (TC) refers to the encryption key management DB 50 based on the identification information of the transmission side (device ID of the transmission side, personal information, etc.) in the received message, and transmits the information to the transmission side 1200 (A). ) For the four types of decryption keys (the common key 1122 “K (C, A)” on the transmission side, and the only common key 1124 “K (C (A), T
C) ", the public key 1123" K (P, A) "of the sender,
The only secret key 11 between the sender and the transaction management device (TC)
27 "K (S (TC), A)"), and decrypts the received information.

Next, the transaction management device 5 (TC)
The encryption key management DB 50 is referred to based on the identification information of the receiving side in the decrypted message, and transmitted using any of the four types of encryption keys of the receiving side 1220 (B) or the receiving side 1230 (C). The message transmitted from the side 1200 (A) is re-encrypted, and the reception side 1220 (B) or the reception side 1230
(C). Here, the four types of encryption keys are the common key “K (C, γ)” (′, ″) on the receiving side and the only common key “K (C) on the receiving side and the transaction management device (TC).
(Β), TC) ”(′, ″) and the public key“ K
(P, γ) ”(′, ″), and the only public key“ K (P (TC),
γ) ”(',“). Here, γ and β are' B 'or' C '.

The receiving side 1220 (B) or the receiving side 1230 (C) having received the information refers to the identification information of the transmitting side in the received message and determines that the relay source is the transaction management device 5 (T
In the case of C), of the four types of encryption keys registered in the transaction management device 5 (TC), three types of encryption keys ("" common key "K (C, γ)", " ″ ″ The only common key “K (C (β), T
C) ”, the only secret key“ K (S (TC), γ) ”between the receiving side and the transaction management device 5 (TC)) and the secret key“ K (S, γ) )).

As described above, when transmitting and receiving an encrypted message via the transaction management device 5 (TC), the transmitting side does not need to be aware of the encryption key of the receiving side in any case and can transmit to the third party. Transmit without risk of being decrypted, and in any case, the receiver does not need to be aware of the encryption key of the sender,
Receive in a secure state.

The four types of encryption keys / decryption keys shown in FIG. 24 can be used not only alone but also in appropriate combinations with other encryption keys / decryption keys. For example, the sender (A or TC) encrypts the message with the sender's common key "K (C, A)" or "K (C, TC)", and only encrypts the message with the sender (TC or B, C). The public key “K (P (TC), γ)” (γ is A or B, C) may be sent to the destination together with the common key encrypted with the public key. In this case, the transmission destination decrypts the encrypted common key with the secret key, and decrypts the message using the decrypted common key.

In order to further enhance security, the transmitting side 12
00 (A) performs a digital signature as part of message authentication using the secret key “K (S, A)” on the transmission side, and performs a blind signature using the common key “K (C, A)” on the transmission side. And a unique and unique encryption key “K (C (A), TC)” or “K (P
(TC), A) "to encrypt the entire text. This ensures that the identity can be verified,
It also prevents fraud and tampering. However, with regard to the blind signature, when the transaction management device 5 (TC) re-encrypts and sends it to the receiving side, it sends it in a blind state without decrypting it.

Next, the configuration of the transaction management DB 55 will be described in detail with reference to FIGS. FIG.
As shown in (a), the transaction management DB 55 includes a payment ID 1310, a transaction status 1320, commodity order information 1330, payment management information 1340, and delivery management information 13
60, returns management information 1370 is stored.

The payment ID 1310 indicates the key of the entire record. The payment ID is assigned when the order of the product is determined between the purchaser and the seller, and is referred to at the time of information transfer in all subsequent stages including the delivery and settlement of the product.

The transaction status 1320 indicates the progress stage of the transaction, and is information necessary for checking whether the transaction is proceeding reliably. This transaction status will be described later with reference to FIG.

The product order information 1330 contains the information shown in FIG.
As shown in the figure, the ordered product details 1331, purchaser information 1332, seller information 1333, order date and time 133
4 and electronic content information 1336. The buyer information 1332 and the seller information 1333 include authentication information of both. Further, the decryption key 1335, which is indispensable for selling the electronic content, is stored at the time when the decryption key 1335 is passed from the seller, and is subsequently managed by the transaction management device 5.

FIG. 25 (c) shows the payment management information 1340.
As shown in FIG. 12, money information such as provisional settlement money, that is, money type 1341, purchaser financial institution information 1342
(Issuing financial institution information), Seller financial institution information 1343,
Amount 1344, issue date 1345, and provisional settlement date 1
346 are included. Further, information on the progress process from the provisional settlement to the final settlement, that is, the distinction between the completed / unfinished settlement request and the date and time 1347 set at the time of the final settlement request from the seller.
And the date and time 1349 of the payment destination 1348 of the final settlement, the completed / unfinished payment of the buyer, and the date and time 1350 of the completed / final settlement. Further, information on the progress of the provisional settlement cancellation request due to the return, that is, the presence / absence of the provisional settlement cancellation request from the purchaser, the distinction between completed / unfinished, and the date and time 135
1, the presence / absence of the temporary settlement cancellation request from the seller and the discrimination between completed / unfinished and the date and time 1352, and the distinction between provisional settlement cancellation completed / unfinished and the completion date / time 1353 are included.

The delivery management information 1360 is stored and managed when the delivery processing units 6 and 7 intervene.
As shown in FIG. 25 (c), this includes, in addition to the deliverer information 1361 and delivery details 1362 required for delivery, a final settlement site for monitoring a final settlement approval request and a return request especially after receiving the goods. Monitoring period 1363, delivery requester information 1364 including delivery requester authentication, third-party delivery certificate 136 issued by delivery processor 6 or 7 when receiving delivery.
7 including delivery date (reception date and time 1365, receipt authentication 1)
366, third party delivery certificate 1367). As described above, this third-party delivery certificate 1367 indicates that this transaction management device 5 will be replaced by the purchaser or merchandise receiver on behalf of the buyer if there is no final settlement approval request or return request from the purchaser or merchandise receiver within a certain period of time after receiving the merchandise. Used when issuing this settlement approval request.

FIG. 25 (e) shows the return management information 1370.
, Basically, the delivery management information 1360
In this case, the same information is stored, but in this case, a return claim site monitoring period 1373 for monitoring the return / confirmation of the return after receipt of the return, the first issue issued by the deliverer when the goods receiver requests a return. Third party return certificate 1375/1
376, a second third party return certificate 1377/1378 issued by the delivery person when the seller receives the returned goods, a return confirmation after the seller has received the returned goods, and a return / confirmed return confirmation indicating whether or not there is a return complaint. And date and time 1379 and returned goods complaint /
The unsettled distinction and the date and time 1380 are important. It should be noted that the first third party return certificate 1375/1376 and the second third party return certificate 1377/1378 provide the seller with no return confirmation or return complaint within a certain period of time after receiving the return. Used when issuing a cancellation request instead.

Next, referring to FIG. 26, transaction status 1
320 will be described. As shown in this figure, transaction status 1320 indicates that A. Delivery from product order (A-1)
To A-6), B.I. Normal settlement (B-1, B-2),
C. Stores the progress of each process of cancellation (C-1 to C-6) at the time of returned goods.
326, results (OK / NG) 1322, 1327, and authentication information 1323, 1328 serving as evidence are entered. In addition, the transaction status 1320 includes a commodity transaction,
It is managed separately from electronic content transactions.

Since the status of the transaction status 1320 changes in this order, the transaction management device 5 checks the consistency between the transaction status 1320 and the content of the transmission when receiving the transmission from each device, By preventing overtaking and accidents caused by mistakes, we will manage the progress of transactions reliably.

Next, the configurations of the final settlement site monitoring DB 56 and the returned site monitoring DB 57 are shown in FIG.
This will be described with reference to FIG. The final settlement site monitoring DB 56 shown in FIG. 27A is generated at the time of receiving the merchandise as described above, and includes the payment ID 1401, the final settlement site monitoring period 1402, the distinction between the final settlement and the final settlement, and the date and time 14.
03, and stores whether or not to switch to the return site monitoring and the date and time 1404, which are set when a return occurs.

Return site monitoring D shown in FIG. 27 (b)
B57 is generated when a return request is issued as described above, and includes payment ID 1421, return site monitoring period 142
2. Store the provisional settlement cancellation completed / unfinished and the date and time 1423.

Next, the transaction management processing section 1 shown in FIG.
500 will be described in detail. This transaction management processing unit 1
As shown in FIG. 21, reference numeral 500 denotes an encryption / decryption process 1520, a product order process 1600, a money issuing process 1700, a money payment process 1740, a product delivery reception process 1800, and a product delivery reception process 1820. , Final settlement request processing 1900, final settlement approval processing 1960, electronic content key reception processing 2000, electronic content reception confirmation / cancellation processing 2100, and return delivery reception processing 2200.
Return delivery receiving process 2220, provisional settlement cancellation receiving process 2300, returned product confirmation / claim receiving process 2340,
It has a final settlement site monitoring process 2400 and a return site monitoring process 2500.

In the encryption / decryption processing 1520, in transmission / reception to / from each device, data encrypted by the transmission source is decrypted in reception, and is encrypted with the encryption key dedicated to the transmission in transmission. Processing and the remaining 15
This is a common process used by each process.

In addition, merchandise order encryption / decryption processing 160
From 0 to the product delivery receiving process 1820, each process from product order to delivery is processed, and the final settlement request process 1900 and the final settlement approval process 1960 are processes related to the normal settlement process.

On the other hand, electronic content key reception processing 2000
And electronic content receipt confirmation / cancellation processing 2100
Is provided for processing unique to the sale of electronic content. Also, the processes from the return delivery receiving process 2200 to the return confirmation / claim receiving process 2340 are processes of each process from receiving the returned product to canceling the settlement.

[0275] The settlement site monitoring process 2400 includes:
As described above, this is a process of monitoring the period from the delivery of the product to the final settlement or the return of the product.
As described above, reference numeral 500 denotes a process for monitoring a period from the occurrence of returned goods to the cancellation of provisional settlement.

Each process will be described below with reference to the process flow of FIG. 28 and thereafter. First, encryption / decryption processing 1
The processing in 520 will be described with reference to FIG.

This encryption / decryption processing 1520 functions in transmission / reception to / from each device. In reception, when data is received in step 1522, in step 1524, the encryption key management DB 5 of the transaction management device 5 is received.
0, the decryption key 1120 dedicated to the transmission source is extracted as described above, and in step 1526, it is used to
The data encrypted by the transmission source with the dedicated encryption key is decrypted.

Next, when the data is to be transmitted after performing the predetermined processing, it is determined in step 1528 whether or not the transmission is necessary. In step 1530, the destination information is transmitted from the seller information DB 52 or the like. Take out. And
In step 1532, the destination-specific encryption key 1120 is extracted from the encryption key management DB 50, and in step 1534,
The transmission data is encrypted using the encryption key 1120.
Then, in step 1536, the encrypted data is transmitted based on the destination information.

In the case of relaying a transaction between two devices, as shown in FIG. 24, this procedure is used to decrypt the encrypted message on the transmitting side, and then re-encrypt with the encryption key on the receiving side and transmit. I do.

Note that, in the following flow of the transaction management processing section 1500, the processing of FIG. 28 can be used wherever there is transmission or reception, and it will be used in principle.

Next, after receiving the goods by the goods receiver, the final settlement approval request or the return request is monitored. If the final settlement approval request or the return request is not made within a certain period, the third party delivery certification information is sent. The function of sending the authentication information and performing the final settlement approval request on behalf of
0, electronic content reception confirmation / cancellation processing 2100, final payment approval processing 1960, final payment request processing 1900, final payment site monitoring processing 2400 will be mainly described.

These processes are performed in the final settlement site monitoring DB 5
6 and the third-party delivery certificate 1367 included in the delivery receipt information of the delivery management information 1360 of the transaction management DB 55. The setting of the third-party delivery certificate 1367 in the settlement site monitoring DB 56 and the transaction management DB 55 is performed in a commodity delivery / receipt process 1820 for general goods, and in an electronic content receipt confirmation / cancellation process 210 for electronic contents.
Performed at 0.

FIG. 33 shows a processing flow of the commodity delivery receiving processing 1820. In this processing 1820, when a general article is delivered, the delivery processing unit notifies the goods receiver (the purchaser himself or the receiver designated by the purchaser or his agent) that the delivered goods have been received. Notification is received from 6 or 7, and this is registered. As shown in FIG. 33, if there is no problem in the transaction status consistency check (step 1824), the final settlement site monitoring period 1363 of the delivery management information 1360 of the transaction management DB 55, the delivery receipt information 1365/1366/167 (deliverer processing) The third party delivery certificate by the devices 6 and 7) is set (step 1828), the final settlement site monitoring DB 56 is generated (step 1830), and the transaction status is recorded (step 1832). Using this DB 56, it is possible to monitor whether a final settlement request or a return request has been made.

In the case of electronic content, as shown in FIG. 37, in the electronic content reception confirmation / cancellation processing 2100 (the entire flow will be described later), step 211 is executed.
When the decryption key is transmitted to the product purchaser processing device 1 in 2, the final settlement site monitoring period 1363 of the delivery management information 1360 of the transaction management DB 55 and the delivery reception information 1365 /
1366/1367 (third party delivery certificate by the transaction management device 5) is set and the final settlement site monitoring DB 56
The same monitoring can be performed by generating.

Next, the final settlement approval request from the product receiver is processed by the final settlement approval processing 1960. As shown in FIG. 35, the final settlement approval process 1960 is performed in step 1
After the data of the final settlement approval 1349 of the payment management information 1340 of the transaction management DB 55 is set to “completed” in 968, the final settlement approval request is transmitted to the purchaser's transaction financial institution with the authentication of the recipient in step 1970. I do. Then, the main settlement processing is performed by the purchaser's transaction financial institution. At this time, if the seller has made a final settlement request (transfer request: details will be described later), the final settlement process is completed. Therefore, the data of the final settlement 1350 of the payment management information 1340 of the transaction management DB 55 is changed to “ And the transaction status 1320 is updated to "B-2 (final settlement)". Also,
The data of the final settlement 1403 in the final settlement site monitoring DB 56 is set to “done”, and the date and time are also set. If the seller has not yet made a final settlement request (transfer request), the buyer's trading financial institution will return a reminder for the transfer request required for the final settlement process. A reminder for the transfer request is transmitted (step 1988). here,
The settlement request processing 1900 will be described with reference to FIG.

In the final settlement request processing 1900, the seller mediates the process of requesting the financial institution to perform the final settlement (transfer) of the provisional settlement money received from the purchaser to the purchaser's financial institution after shipping the product. is there. This final payment processing 1900
In the present embodiment, usually, when the final settlement request of the seller and the final settlement approval request of the purchaser are completed, the processing is performed by the purchaser transaction financial institution processing device 3.

In the process shown in FIG.
When a transfer request is received from the seller in step 2, a consistency check between the transfer request and the transaction status is performed in step 1904. In order to pass this consistency check, in the case where a third-party witness such as a transaction management center or a deliverer of goods in electronic content sales intervenes, the transaction status 1320 of the transaction management DB 55 indicates "A-4 (delivery acceptance). )), "A-5 (delivery receipt)", and "B-1 (final settlement approval)". In the case where no third party witness is involved, the transaction status 1320 is “A-3 (temporary settlement)”, “B-
1 (final settlement approval) ".

Of these, “A-3 (temporary settlement)” and “A-
4 (delivery reception) "and" A-5 (delivery receipt) "
Since the final settlement approval request has not been completed, only the transfer request is accepted (steps 1908 to 1912). on the other hand,
In the case of “B-1 (final settlement approval)”, since the final settlement approval request has already been registered, the final settlement processing request is transmitted to the purchaser's financial institution at this point, and the final settlement processing is executed. (Steps 1920 to 1936).

On the other hand, the reception of a return request for a general article is performed by a return delivery reception processing 2200 for processing a return shipping reception registration from the delivery processor 5 as described later. At this time, whether or not to switch to the return site monitoring in the final settlement site monitoring DB 56 and the date and time 1404 are set,
The return site monitoring DB 57 is generated, and thereafter, is monitored by the return site monitoring process 2500.

In the case of electronic content, the return of goods is processed in the electronic content reception confirmation / cancellation processing 2100. This processing 2100 is performed as shown in FIG.
A reply is received from the purchaser who has received the electronic content (step 2102), and the request is determined (step 2104). Here, if the purchaser tries the digest of the content and is unsatisfied, a request for canceling the purchase is made, and the temporary settlement cancel request processing in step 2140 is performed based on the request. In this processing, as shown in FIG.
The presence / absence of switching to the return site monitoring at B56 and the date and time are set, a return site monitoring DB 57 is generated, and thereafter, monitoring is performed by the return site monitoring process 2500. At this time, a cancellation request notification is transmitted to the seller (step 21).
52) Urge the seller to cancel the product by confirming the return.

The process of monitoring the final settlement approval request or the return request is performed by the final settlement site monitoring process 2400.
As shown in FIG. 44, in Steps 2402 and 2404, each record of the final settlement site monitoring DB 56 is periodically read, and the fact that the final settlement 1403 is “completed” and the date and time are also sent to the return site monitoring. Is set to "Yes", the date and time are not set, and the transaction management D
Final settlement approval 1 of payment management information 1340 corresponding to B55
349 has not been set, and the final settlement site monitoring period 14
The records that have passed the period set in 02 are retrieved. Since this record indicates that the transaction has not been subjected to the final settlement approval request or the return request within the period determined after receiving the goods, the purchaser information 1333 and the purchaser financial institution information of the transaction management DB 55 are determined in step 2406. 1342 and the amount of money 1344, the delivery management information 13
A final settlement approval request is sent to the purchaser financial institution with the third party delivery certificate 1367 on behalf of the recipient, and the financial institution performs the final settlement processing. Transaction status 13
20 is also changed to "B-1 (final settlement approval)". At this point, if the seller has not yet made a final settlement request (transfer request), the buyer's transaction financial institution returns a reminder to the seller for a transfer request required for the final settlement process. Therefore, a request for a transfer request is transmitted to the seller (step 2420).

Subsequently, it is monitored whether or not the seller makes a request for cancellation by return. If no cancellation request is made within a certain period of time, third party return certificate information is attached, and the cancellation request is represented on behalf of the seller. As a function to be performed, the return site monitoring process 250
The description will focus on 0.

The processing for making a cancellation request on behalf of the customer is the return management information 1 in the return site monitoring DB 57 and the transaction management DB 55.
First third party return certificate 1375/1 stored at 370
376, based on the second third party return certificate 1377/1378. As will be described later, return site monitoring DB
57 and first third-party return certificate 1 in transaction management DB 55
375/1376, second third party return certificate 1377/1
The setting of 378 is the return delivery reception processing 22 for general goods.
00, which is performed in the return delivery receiving process 2220, and in the case of electronic content, the electronic content receiving confirmation / cancellation process 210
Performed at 0. However, in the case of electronic content, the first
Only the third party return certificate is used.

In any case, the return site monitoring DB 57
A return site monitoring period 1422 is set in
Using B57, it is possible to monitor whether or not a cancellation request is made by the seller for return approval within a certain period of time.

The monitoring of the cancellation request due to the return is performed by the return site monitoring process 2500, and the process flow is shown in FIG. Step 250 of this processing flow
2, 2504, return site monitoring DB5 periodically
7 is read, and the provisional settlement is canceled 14
23 is "Done", the date and time are not set, and
The return confirmation 1379 of the corresponding return management information 1370 of the transaction management DB 55 is also set, and the record that has passed the period set in the return site monitoring period 1422 is retrieved. This record indicates that the transaction has not been requested by the seller to cancel the return within a specified period after the return has occurred. Step 250
In 6, the return management information 1370 of the transaction management DB 55
By selecting a non-set return claim 1380, it is confirmed that no return claim has been made.

In response to this transaction, a cancellation request is transmitted to the purchaser's transaction financial institution on behalf of the seller. In the case of the provisional payment electronic payment system, the provisional payment is canceled (step 2508), and the transaction status 1320 of the transaction management DB 55 is changed to “C” in step 2510 and subsequent steps.
-4 (return confirmation) "in the payment management information 1340 of the transaction management DB 55, the second third party return certificate 1378 of the return management information 1370 (the first third party return certificate 1376 for electronic content). ), An instruction to stop the final settlement and a request for canceling the temporary settlement are sent to the buyer's transaction financial institution processing device 3 on behalf of the seller. Then, the cancellation processing is performed by the financial institution processing device 3. After the cancellation processing by the financial institution processing apparatus 3 is completed, in step 2518, the end of the cancellation is notified by the return management information 137 of the transaction management DB 55.
0, set in payment management information 1340, step 2520
Then, the transaction status 1320 is also set to “C-6 (payment cancellation)”.

It should be noted that returned goods confirmation 1379, returned goods claim 1
The setting of 380 is the return confirmation / claim reception processing 2340
It is performed in. After receiving a return from the deliverer in the case of selling goods, or receiving a cancellation request notification from the transaction management device 5 in the case of selling electronic contents, the seller cancels the product by return confirmation within a certain period of time. The complaint for the return must be notified to the transaction management device 5.

As shown in FIG. 43, after receiving the returned goods confirmation or returned goods complaint in step 2342, if the returned goods are confirmed, then in step 2350 and thereafter, a request for final settlement suspension and provisional settlement cancellation is transmitted to the purchaser's financial institution. This will confirm the cancellation. On the other hand, if it is a return complaint, after confirming that it is within the site monitoring period, the return complaint 1380 of the return management information 1370 of the transaction management DB 55 is set, and the transaction status 1320 is set to “C-5 (return complaint)”. Thereby, the aging is interrupted.

According to the above steps, the transaction management device 5
It is monitored whether or not the seller makes a cancellation request by return. If the cancellation request is not made within a certain period, third party return certificate information can be attached and the cancellation request can be made on behalf of the seller.

Next, in the intermediation of buying and selling of electronic content, the seller manages the decryption key of the electronic content which is encrypted and sent to the purchaser, sends the decryption key to the purchaser, and issues the certification information of the third party witness. The following describes mainly such functions as electronic content key (decryption key for electronic content) reception processing 2000 and electronic content reception confirmation / cancellation processing 2100.

[0301] When transmitting the encrypted electronic content to the purchaser, the seller simultaneously transmits a decryption key for decrypting the electronic content to the transaction management device 5. Therefore, electronic content key reception processing 2
000 receives the decryption key as shown in FIG. 36 (step 2002) and processes it. In step 2004, the decryption key is stored in the commodity order information 1 of the transaction management DB 55.
330 in the electronic content decryption key 1335 and the deliveryer information 13 in the delivery management information 1360.
In 61, the transaction management device 5 itself is set. Further, the transaction status 1320 is set to “A-4 (delivery acceptance)” (step 2006). The stored decryption key 1335 is
Thereafter, it is managed by the transaction management device 5.

Subsequent electronic content reception confirmation / cancellation processing 2
At 100, as shown in FIG. 37, the request content of the transmitted electronic content (encrypted) by the reply from the purchaser is received (step 2102) and processed. In the case of the decryption key transmission request, since the purchaser indicates that he / she wants to purchase the electronic content, step 2110 is performed on condition that the transaction status 1320 is “A-4 (delivery acceptance)” (step 2106). , 2
At 112, the merchandise order information 13 of the transaction management DB 55 stored in the electronic content key reception process 2000
Then, the decryption key 1335 for electronic content in 30 is extracted and transmitted to the purchaser. The transaction status 132
0 is set to "A-5 (delivery receipt)" (step 2)
108).

The delivery management information 1 in the transaction management DB 55
360 delivery receipt information 1365/1366/167
(Third party delivery certificate by transaction management device 5) and site monitoring period 1373 of return management information 1370 are set (step 2114), and final settlement site monitoring DB 56 is generated (step 2116). Main settlement site monitoring DB
In the final settlement site monitoring period 1402 of 56, transaction management D
Data obtained by copying the final settlement site monitoring period 1363 of the delivery management information 1360 of B55 is set.

By the above processing, the transaction management device 5
Manages the decryption key of the electronic content that the seller encrypts and sends to the purchaser, sends the decryption key to the purchaser, and issues the certification information of the third party witness in the mediation of the purchase and sale of the electronic content. .

Next, in the mediation of electronic content trading, it is determined whether or not the content received by the purchaser is defective. If the content is determined to be defective, the content is notified to the purchaser and the decryption key is defective. If it is determined that there is, the electronic content reception confirmation / cancel processing 2100 will be mainly described as a function of retransmitting the decryption key to the purchaser. This corresponds to the electronic content reception confirmation / cancel processing 210 shown in FIG.
This process is performed when the content cannot be decrypted in the determination of step 2104 of 0.

For example, in step 2112 in FIG. 37, it is assumed that the decryption key has been transmitted to the purchaser processing apparatus 1, but the purchaser has not been able to decrypt the electronic content. At this time, the purchaser may return a purchase cancellation request along with the electronic content that could not be decrypted. This corresponds to the case where the content cannot be decrypted.

First, the condition for accepting this request is that the transaction status 1320 is “A-5 (delivery received)”,
And within the final settlement site monitoring period 1402 of the final settlement site monitoring DB 56 (steps 2154 and 21).
56). In the subsequent decryption check processing in step 2160, it is determined whether the cause of the failure in decryption is whether the content (encrypted) received by the purchaser itself is defective or the decryption key is defective.

The flow of the decryption check process is shown in FIG.
Is shown in In step 2162 of FIG. 39, the seller is requested to transmit the same content (encrypted) transmitted to the purchaser. In step 2168, the content transmitted from the purchaser (encryption) is requested. Have been matched). If they do not match, it is determined that the content originally transmitted from the seller to the purchaser was inadequate, and the same content transmitted to the transaction management device 5 by the seller this time is sent to the purchaser as valid. Send to In Steps 2168 and 2170, if both contents match,
At 72, the content is decrypted with a decryption key 1335 managed by itself. Further, it requests the seller to encrypt the unencrypted electronic content with a common key dedicated to transmission to the seller's transaction management device and transmit the encrypted electronic content (step 2174). In step 2180, after decrypting the electronic content returned this time, the electronic content is compared with the electronic content decrypted in step 2172 in a state before encryption to confirm a match. If they match, it is determined that the decryption key used by the purchaser is defective, and the decryption key 1335 managed by itself is resent to the purchaser in step 2184, and decryption is requested again.

[0309] If the two do not match in step 2180, it is determined that the electronic content (encrypted) transmitted from the seller to the purchaser is initially defective, and processing for starting over from transmitting the content is performed again. . Step 21
86, the delivery management information 1 in the transaction management DB 55
Set the site monitoring period 1373 of the 360 delivery / receiving information 1365/1366/167 and the return management information 1370 to the state before transmitting the decryption key, and delete the final settlement site monitoring DB 56. In step 2192, it is determined to the seller that the content transmitted from the seller to the purchaser is defective, so that if the transaction is to be continued, it is necessary to restart the transmission of the content and the digest.

[0310] Through the above processing, the transaction management device 5 determines whether or not the content received by the purchaser is a defective product in the mediation of the purchase and sale of the electronic content. And if it is determined that the decryption key is defective, a process of retransmitting the decryption key to the purchaser is performed.

Further, in the intermediary between the delivery processor and the seller processor and the processing device of the purchaser or receiver of the product, registration of the third party delivery certification information of the delivery processor is accepted, and a return request is issued. A function that accepts registration of the first third-party return certificate information that certifies that the seller has received the product and accepts registration of the second third-party return certificate information that certifies that the seller has received the return Receiving process 1820,
Return delivery receipt processing 2200, Return delivery receipt processing 2220
This will be mainly described.

[0312] The third-party delivery certificate is the product delivery receipt processing 18
20, the first third party return certificate is registered in the return delivery acceptance process 2200, and the second third party return certificate is registered in the return delivery receipt process 2220.

First, the registration reception processing of the third-party delivery certificate by the goods delivery reception processing 1820 has already been described with reference to FIG.
, And the description is omitted here.

Next, the processing of the return delivery reception processing 2200 will be described with reference to FIG. In step 2202, the deliverer is requested by the product receiver to send out a return, and receives a notification that the return has been deposited. After that, after checking the consistency of the transaction status 1320 in step 2204, in step 2208 and thereafter, the receipt proof of the delivery person included in the received notification is stored in the first return management information 1370 in the return management information 1370 of the transaction management DB 55. Tripartite return certificate 13
75/1376, the switch 1404 to the return site monitoring of the final settlement site monitoring DB 56 is set to “Yes”, the date and time are set, the return site monitoring DB 57 is generated, and the transaction status 1320 is set to “C- 1 (return request acceptance) ". The subsequent site monitoring is performed by the return site monitoring process 2500. Further, the return site monitoring period 1422 of the return site monitoring DB 57 is set based on the number of arbitration days X in consideration of the delivery period.

Further, as shown in FIG. 41, in the return delivery receiving process 2220, first, in step 2222, a notice that the seller has received the return from the deliverer is sent to the deliverer along with the seller's receipt certificate. Receive from. Then, after performing the consistency check of the transaction status 1320, in step 2228 and thereafter, the certificate of the seller including the certificate of acceptance of the seller included in the received notification is transferred to the transaction management D.
Stored in the second third party return certificate 1377/1378 in the return management information 1370 of B55,
The return site monitoring period 1422 of 57 is set again based on the determined number of mediation days Y. Thereafter, the return site monitoring process 2500 uses this site monitoring period to monitor cancellation due to return.

As described above, the transaction management device 5 registers the third-party delivery certification information of the delivery processor in the intermediary between the delivery processing unit, the seller processing unit, and the processing unit of the purchaser or the receiver. Accepting and registering first third party return certificate information that certifies that a return request has occurred, and receiving registration of second third party return certificate information that proves that the seller has received the return. I do.

[0317] Next, a processing procedure of the transaction management device 5, which has not been described above, will be described. Either procedure is to be provided as a preferred embodiment. The merchandise order processing 1600 mediates the ordering of merchandise between the purchaser processing device 1 and the seller processing device 2 in the procedure shown in FIG. The commodity order processing 1600 is generally performed when the order of the commodity is confirmed by the procedure shown in steps 1602 to 1608.
The transaction management DB 55 is generated using “D” as a key (step 1612), and thereafter, the progress of the transaction is managed using this key as an intermediary.

The money issuing processing 1700 is the same as that shown in FIG.
Is a relay process in the case where the purchaser requests the processing device 3 of the purchaser's transaction financial institution to issue the provisional settlement money at the time of ordering the product according to the procedure shown in FIG. If it is determined in step 1716 that the issuance of the provisional settlement money is OK, then in step 171
At step 8, the contents of the provisional settlement money are written in the payment management information 1340 of the transaction management DB 55, and the progress of the subsequent settlement is managed.

[0319] In the money payment processing 1740, the purchaser pays (temporary settlement) to the seller using the provisional settlement money or settlement account money as the price of the product by performing the processing shown in FIG. Perform relay processing in the case. In this processing procedure, in step 1750, the transaction management DB 5
The temporary settlement date and time 1346 is written in the payment management information 1340 of No. 5, and in step 1756, the monetary information including the information of the temporary settlement money by the temporary settlement money or the settlement account money is transferred to the seller through the transaction management device 5. You.

In the commodity delivery reception processing 1800, in the procedure shown in FIG. 32, in a general commodity transaction, a notice that the commodity delivery has been received from the seller is received from the delivery processing units 6, 7 and registered. Perform processing. As shown in FIG. 32, upon receiving the delivery acceptance notification from the deliverer, the product delivery acceptance process 1800 creates delivery management information 1360 in the transaction management DB 55 (step 1808).

Next, the financial institution terminals 80 and 81 connected to the financial institution processing devices 3 and 4 and a portable storage which these financial institution terminals issue and accept as a provisional settlement money card or a final settlement approval request card. The media 82 and 83 will be described.

Note that, in the above-described eighth embodiment, the financial institution terminal 80 operated by the product purchaser and the financial institution terminal 81 operated by the product seller are described. In the following, a terminal having a function that can be operated by both parties will be described as a financial institution terminal 80 '.

The financial institution terminal 80 'is operated by a purchaser or a seller to transmit / receive transaction information to / from the transaction financial institution processing devices 3 and 4, and has the following functions. First, it has a function of issuing a provisional settlement money card 82 used by a purchaser to make a provisional settlement request.

[0324] Second, it has a function of processing the final settlement approval of provisional settlement performed by the purchaser. Third, it has a function of processing a final settlement request from a seller using the received portable storage medium.

The financial institution terminal 80 'is configured as shown in FIG. 46, and is connected to the arithmetic and control unit 3010 for controlling the entire apparatus, and the financial institution processing apparatuses 3 and 4, which are partners of transmission and reception. A communication control unit 3020, a storage disk 3030 for recording input information and information exchanged with a financial terminal, and an IC card reader / writer 3001
A display (touch panel) 3002 for the purchaser or seller to input information or to display information received from the financial institution processing devices 3 and 4; a collection card storage box 3003 for collecting used cards; A new card storage box 3004 for storing cards. As the storage disk 3030, any DASD (Direct
Access Storage Device) is used.

The control unit 3010 includes a file control unit 301
1, input / output control unit 3012, memory file 301
3, and a processing unit 3014, and the processing unit 3014 includes:
Portable storage medium issuing process 3510, final settlement approval process 35
50, and final settlement request processing 3600.

The provisional settlement money card 82 (portable storage medium) is formed by mounting an IC chip 3101 on a plastic card base as shown in FIG. 47, for example.

The memory layout of the IC chip 3101 is, for example, configured as indicated by reference numeral 3110 in the figure, and is used to issue a provisional settlement money request from a purchaser, a final settlement approval request from a seller, or a collection. Processing is supported. Specifically, the information includes a payment ID 3111, issue information, main settlement request information, collection information, provisional settlement money information, or electronic money information 3122. Of these, issuance information
Issue date and time 3112 based on the issuance request from the purchaser, issue financial institution information 3113, issue financial institution branch information 31
14 and issuance terminal information 3115, and the final settlement request information includes final settlement request date and time 3116 based on the final settlement request from the seller and final settlement request terminal information 3117. Once the settlement request information is written, reuse of the temporary settlement money card 82 is prohibited until the temporary settlement money card 82 is collected. The collection information is collection date and time 3 associated with the completion of the main settlement.
118, collection financial institution information 3119, collection financial institution branch information 3120, and collection terminal information 3121.

Hereinafter, each processing of the financial institution terminal 80 'will be described with reference to the processing flow shown in FIG. 48 and thereafter. First, a portable storage medium issuing process 3510 will be described as a function of issuing a portable storage medium.

The portable storage medium issuing process 3510 is the same as that shown in FIG.
As shown in FIG. 8, by operating the financial terminal from the buyer,
A process of issuing a temporary settlement money card (IC card) as a portable storage medium storing money information including temporary settlement information with product purchase information is performed.

First, in step 3512, an issuance request screen for provisional settlement money (IC card type) is displayed on the display 3002, and issuance request information, such as payment ID, purchaser information, and issuing bank information, input by the purchaser is accepted. (Step 3514). Next, the content of the issuance request information input in step 3516 is checked, and if the content is normal in step 3518,
If a new IC card is present in the new card storage box 3004 at 20, the issuance request information is transmitted to the purchaser transaction financial institution processing device 3 at step 3522.

Next, in step 3524, it is confirmed that the transmission has been normally processed, and in step 3528, the processing result from the purchaser transaction financial institution processing device 3 is received. If the processing result in the processing unit 3 of the buyer's transaction financial institution is normal in step 3530, the provisional settlement money information including the product purchase information and the issuance information are written to the disk 3030. At step 3534, the new IC card is removed from the new card storage box 3004, and the provisional settlement money information and the issuance information written on the disk 3030 are transferred to the provisional settlement money information 312 in the IC chip memory 3110 of the new IC card.
2 and issue information (issue date 3112, issue financial institution information 3
113, issuing financial institution branch information 3114, and issuing terminal information 3115) include an IC card reader / writer 300.
Write using 1.

If it is confirmed in step 3538 that the writing to the IC chip has been normally processed, a processing completion display is displayed on the display 3002 in step 3540, and the card 82 is ejected in step 3542.
If the input contents are not correct in step 3518, if there is no stock of the new card in step 3520, if the transmission processing is not performed normally in step 3524, if the processing result is incorrect in step 3530, step 3
If the writing to the IC chip is not properly processed in 538, the error message is edited in step 3544, and the message is displayed on the display 3002 in step 3546.

Next, the main settlement approval process 3550 will be described as a function of transmitting a main settlement approval request to a financial institution based on a portable storage medium. This final settlement approval processing 3550
The process shown in FIG. 49 is a process for accepting a final settlement approval request by operating the financial institution terminal 80 'by the purchaser.

In this figure, in step 3552, a final settlement approval acceptance screen is displayed on the display 3002, and final settlement approval information such as a payment ID, purchaser information, and issuing financial institution information entered by the purchaser is accepted. In step 3554, the content of the final settlement approval information input is confirmed, and if the content is normal in step 3558, step 35
At 60, the final settlement approval information is transmitted to the financial institution processing device 3.

In step 3562, it is confirmed that the transmission has been normally processed, and in step 3566, the processing result from the financial institution processing apparatus 3 is received. If the processing result in the financial institution processing apparatus 3 is normal in step 3568, a processing completion screen display (final settlement approval acceptance display) is displayed on the display 3002 in step 3570. Step 3
If the input contents are not correct at 558, step 356
If the transmission processing is not performed normally in Step 2 and if the processing result is not correct in Step 3568, Step 3
The error message is edited at step 572, and step 357 is executed.
In step 4, the message is displayed on the display 3002.

Next, the main settlement request processing 3600 will be described as a function of automatically collecting a portable storage medium. As shown in FIGS. 50 and 51, the final settlement request process 3600 is a process of accepting the final settlement request by the operation of the financial terminal by the seller and the provisional settlement money card 83 (IC card) received from the product purchaser. It is.

First, in step 3602, a final settlement request screen is displayed on the display 3002,
Temporary settlement money card 82 inserted by seller at 04
The information stored in the IC chip is read by the IC card reader / writer 3001 in step 3606.

At step 3608, if the information has been read normally, at step 3610, the payment ID, issue information, final settlement request information, and provisional settlement money information are written to the disk 3030 of the terminal 80 '. Next, step 3
At 612, these payment ID, issue information, final settlement request information, and provisional settlement money information are transmitted to the financial institution processing device 3 of the purchaser or the financial institution processing device 4 of the seller. If it is confirmed in step 3614 that the transmission has been normally processed, in step 3618 the processing result is received from the financial institution processing device 3 or 4 to which the information is to be transmitted.

If the processing result in the financial institution processing device 3 or 4 is normal in step 3620, it is determined in step 3622 whether the corresponding provisional settlement money has been accepted for final settlement approval. If the final settlement approval has been received, the final settlement approval information is stored in the disk 3 in step 3624.
After writing to 030, the data is written to the IC chip memory 3110 of the provisional settlement money card 82 using the IC card reader / writer 3001. Step 3626
After writing the final settlement request information and the collection information to the disk 3030, the final settlement request information (final settlement request date and time 3116, final settlement request terminal information 3
117) and collection information (collection date / time 3118, collection financial institution information 3119, collection financial institution branch information 3120, collection terminal information 3121) using an IC card reader / writer 3001. If it is confirmed in step 3628 that the writing to the IC chip has been normally processed, in step 3630 the received IC card is collected in the collection card storage box 3003, and step 363 is executed.
In step 2, a final settlement completion display is displayed on the display 3002.

On the other hand, in step 3622, if the corresponding provisional settlement money has not been accepted for final settlement approval, the final settlement request information is written to the disk 3030 in step 3636, and then the final settlement in the IC chip memory 3110 of the IC card is performed. The request information (final settlement request date and time 3116, final settlement request terminal information 3117) is written using the IC card reader / writer 3001. If it is confirmed in step 3638 that writing to the IC chip has been normally processed, a final settlement request acceptance message is displayed on the display 3002 in step 3640.

If the reading of the IC chip is not performed normally in step 3608, or if the transmission processing is not performed normally in step 3614, the process proceeds to step 3620.
In step 3628 and step 3638, if the processing result is not correct, and if the writing to the IC chip is not normally processed in step 3628 and step 3638, the error message is edited in step 3642. Then, the message is displayed on the display 3002 at step 3644, and the provisional settlement money card is discharged at step 3646.

Next, a delivery processor (delivery management device)
6 and 7 will be described with reference to FIG. In the above-described fourth embodiment, the delivery processing unit 6 of the deliverer performing the normal delivery and the delivery processing unit 7 of the deliverer performing the delivery of the return have been described. May have the same configuration.
An apparatus having both functions will be described as a delivery processing apparatus 6 '. The delivery management DB 6 of the delivery processor 6 '
0 ′ is the delivery management DB 60 and the delivery management DB 70 described above.
, And manage both normal delivery and returns.

[0344] The delivery processor 6 'has the following functions. First, based on a merchandise delivery request from a seller (seller processing device 2), merchandise delivery information is stored, and when the merchandise is delivered to the receiver, the receiver's receipt signature or agent's signature and the merchandise signature are added. It has a function of generating third-party delivery proof information including a payment ID for purchase.

Second, based on a return delivery request from the receiver, the first third party stores return delivery information, and includes a signature or proxy signature of the receiver who requested the return and a payment ID related to the purchase of the product. It has a function of generating return certificate information.

Third, when the returned goods are delivered to the seller, a function of generating second third-party return certificate information including the seller's receipt signature and the payment ID related to the purchase of the goods is provided. Fourth, it has a function of issuing a return delivery reception receipt proof including a payment ID related to product purchase to the recipient.

Fifth, after the goods are delivered to the seller, a function is provided for notifying the third party delivery proof information including the receiver's receipt signature and the payment ID related to the purchase of the goods. Sixth, when the transaction management device 5 is interposed, the transaction management device 5 has a function of registering the third-party delivery proof information and the first and second third-party return certificate information in the transaction management device 5.

In order to achieve such a function, as shown in FIG. 52, the delivery processing unit 6 'includes an arithmetic and control unit 4010 for controlling the entire apparatus and each of the apparatuses 1, 2, and It has a communication control unit 4012 that connects lines 3, 4, and 5, a database control unit 4020 that controls each database, a delivery management processing unit 4480, an input / output processing unit 4014, and a memory 4016.

The database control unit 4020 has a delivery management D composed of delivery information 4200 and return information 4300.
B60 ', a delivery requester information management DB 4400, and a delivery destination information management DB 4450.

The delivery management processing section 4480 has a delivery receiving process 4500, a delivery receiving process 4600, a returned product receiving process 4700, and a returned product receiving process 4800. Next, each database managed by the database control unit 4020 will be described with reference to FIGS.

As shown in FIG. 52, the delivery management DB 60 '
Is composed of delivery information 4200 and return delivery information 4300. As shown in FIG. 53A, the delivery information 4200 includes delivery ID 4210 and delivery details 4211, which are basic information for the deliveryman to manage the delivery,
The payment ID 4220 and the delivery requester information 4 which are the keys of the product purchase in communication with the product purchaser such as the seller
230 and its authentication 4231, delivery destination receiving information 424
0 and the authentication 4241 thereof, the authentication of the delivery person 4250, the site monitoring period 4260 for confirming the receipt of the product, and the notification to the delivery requester indicating that the requester was notified when the product was delivered to the delivery destination / Unfinished distinction and its date and time 42
70, which indicates registration to the transaction management apparatus 5 and indicates whether registration to the transaction management apparatus has been completed or not, and the date and time 4280.
Among them, the core information of the third-party delivery certificate is the delivery destination receiving information 4240 and its authentication 4241 and the deliveryer's authentication 4250.

As shown in FIG. 53 (b), return delivery information 4300 includes information 4310 similar to delivery information 4200,
4311 and 4320, a return complaint site monitoring period 4330, a distinction between registered / unfinished registration in the transaction management device 5, the date and time 4340, 4350, and first and second return certificate information 4360 and 4370. You.

[0353] Of these, the registration with the transaction management device 5 has been completed.
Unpaid distinction and its date and time information is the first return certificate registration 4
340 and a second return certificate registration 4350. The first return certificate registration 4340 indicates whether the first return certificate information 4360 has been registered in the transaction management device 5, and the second return certificate registration 4350 stores the second return certificate information 4370 in the transaction management device 5. 5 indicates whether or not it has been registered. Further, as shown in FIG. 53 (c), the first returned-goods certification information 4360 contains the payment ID 4361.
And delivery requester information 4362 and its authentication 4364
The second return certificate information 4370 includes a payment ID 4371, delivery destination reception information 4372 and its authentication 4374, and a delivery person authentication 4367.
76 and the delivery date and time 4378.

As the delivery destination receiving authentication 4241 and the delivery requester authentication 4364 in the delivery information 4200 and the return delivery information 4300, proxy authentication can be stored. As shown in FIG. 53D, the contents of the delivery requester information management DB 4400 and the delivery destination information management DB 4450 are almost the same, and the ID of the requester or the delivery destination is 4410.
And attribute information (name, address, telephone number, etc.) 4412
And transmission / reception management information (address, ID, etc.) 4414,
Authentication information (encryption key, etc.) 4416.

Next, the processing procedure of each processing of the delivery management processing unit 4480 will be described with reference to FIG. FIG. 54 shows a processing flow of the delivery reception processing 4500. This delivery reception processing 4500 is performed in step 451.
In step 452, a delivery request from the seller is accepted.
At 0, 4530, the delivery information 4200 is generated and stored in the delivery management DB 60 '. The stored contents include the payment ID 4220 passed from the seller, delivery requester (ie, seller) information 4230 and its authentication 42
31 is a site monitoring period 4260 for confirming receipt of a product. Further, when the transaction management device 5 intervenes, this information is notified to the transaction management device 5 (step 4550).

FIG. 55 shows a processing flow of the delivery / receipt processing 4600. First, at step 4610, receipt information of the product is received from the delivery destination. In the absence of the person, if there is information that can confirm that the person is an agent (family, etc.), authentication of the agent is also possible. In response, in step 4620, third party delivery certification information is generated. This third party's delivery certification information is stored in the delivery management DB 60 '.
Delivery information 424 stored in the delivery information 4200 of the
0 and its authentication 4241 are appended with a deliveryer authentication 4250. In step 4630, the third party notifies the delivery requester of the delivery certification information. Further, when the transaction management device 5 is interposed, this information is transferred to the transaction management device 5.
(Step 4650). And delivery management D
Delivery destination reception information 42 in the delivery information 4200 of B60 '
40 and its certification 4241, the carrier's certification 4250,
Distinguished / not-completed notification to delivery requester and date and time 427
0, the registration / unfinished distinction to transaction management device 5 and its date and time 4280 are updated (step 4660).

The above processing is based on merchandise delivery information from the seller, stores merchandise delivery information, and, when the merchandise is delivered to the receiver, relates to the receiver's signature or agent's signature and the purchase of the merchandise. A function for generating third-party delivery proof information including a payment ID, a function for registering third-party delivery proof information including a payment ID for a product purchase in a transaction management device, and a receipt signature of a recipient after delivery of a product. And a function of notifying the seller of third-party delivery proof information including a payment ID for purchasing the product.

[0358] Next, regarding the returned goods reception processing 4700,
This will be described with reference to the processing flow shown in FIG. The returned goods reception processing 4700 is started by receiving a request from the goods receiver (the purchaser or a person designated by the purchaser) or its agent. However, in the case of a request from an agent, information that can confirm that the agent is an agent is required. The returned goods reception processing 4700 first receives a returned goods delivery request in step 4710, and generates returned goods delivery information 4300 in steps 4720 and 4730, and stores it in the delivery management DB 60 '.
To be stored. The stored contents include, in addition to the payment ID 4320 passed from the receiver, the delivery requester information 4362 and its authentication 4364, and the site monitoring period 43 for the return complaint.
30. Subsequently, in step 4740, first third party return certificate information is generated. This is because the delivery requester information 4362 and its authentication 4364 include the delivery person's authentication 4
366. This is delivered to the delivery requester as a delivery certificate of the delivery person (step 4750).
Further, when the transaction management device 5 intervenes, this information is notified to the transaction management device 5 (step 4770). Then, in step 4780, the first third party return certificate information 4 in the return delivery information 4300 of the delivery management DB 60 '.
360 and the first return certificate registration 4340 are updated.

The above processing stores the return delivery information based on the return delivery request from the merchandise receiver, and stores the first or second signature including the signature or proxy signature of the receiver who requested the return and the payment ID related to the merchandise purchase. A function for generating three-party return certificate information, a function for registering first third-party return certificate information including a payment ID for purchase of goods in the transaction management device, and a payment ID for purchase of goods for the recipient. Includes a function that issues a return delivery receipt receipt certificate.

Next, the procedure of the returned goods reception processing 4800 will be described with reference to FIG. The deliverer requested to return the returned goods from the product purchaser delivers the returned goods to the delivery destination, that is, the product seller. In step 4810, the return receipt process 4800 receives a return receipt proof from the seller. Thus, in step 4820, second return certificate information is generated. This is Delivery Management D
The delivery destination receiving information 4372 in the return delivery information 4300 of B60 'and the authentication 4374 thereof include the deliveryer authentication 43
76 and the delivery date and time 4378. If the transaction management device 5 is interposed, this information is notified to the transaction management device 5 (step 4830). And step 48
At 40, return delivery information 430 of the delivery management DB 60 '
The second third party return certificate 4370, second return certificate registration 4350, and return complaint site monitoring period 4330 at 0 are updated. As the site monitoring period 4330, a period determined by the return arrival is used.

In the above-described processing, when the returned goods are delivered to the seller, the seller's receipt signature and payment I related to the purchase of the goods are received.
A function of generating second third-party return certificate information including D.
The second including the payment ID related to the product purchase to the transaction management device
And the function of registering third party return certificate information.

Next, the financial institution processing devices 3 and 4 provided at the purchaser's transaction financial institution or the seller's transaction financial institution will be described. Here, the financial institution processing device 3 '
Will be described as corresponding to the purchaser transaction financial institution processing device 3 or the seller transaction financial institution processing device 4.

The financial institution processing device 3 ′ issues temporary settlement money to the purchaser, final settlement approval, temporary settlement cancellation, final settlement request from the seller, payment according to the contents of the transfer request, transfer temporary settlement cancellation It is provided at a financial institution that monitors the site for canceling temporary settlement associated with returns and has the following functions.

First, it has a function of accepting a provisional settlement money issuance request from a purchaser of a product and issuing the request. Second, it has a function of receiving a final settlement request after receiving provisional settlement money from a merchandise seller.

Third, the system has a function of accepting a final settlement approval request from the purchaser of the product after receiving the product, and a function of performing payment processing to the seller based on the transfer request information included in the final settlement approval request. Further, at this time, when a final settlement request has not been received from a merchandise seller, a function to urge the final settlement request is provided.

Fourth, a function is provided for receiving a request for cancellation of provisional settlement from a purchaser of a product accompanying the return of the product. Fifth,
It has a function of receiving a first third-party return certificate received from a deliverer when a purchaser of a product requests a deliverer for a return.

Sixth, a function is provided for receiving a second third party return certificate received from the transaction management device 5 when the deliverer hands over the returned goods to the seller. Seventh, it has a function of accepting a return complaint from a seller when there is a defect in returning a product.

Eighth, it has a function of receiving a return receipt notification from the seller when the product is returned correctly.
Ninth, when a purchaser of a product performs a return process, a function of monitoring a site for cancellation of provisional settlement is provided.

In order to exhibit such a function, the financial institution processing device 3 'is configured as shown in FIG. That is, the financial institution processing device 3 ′ includes an arithmetic control unit 5010 for controlling the entire device, a communication control unit 5020 for line connection with each of the devices 1, 2, 5, 6, and 7 that are the transmission and reception partners A database control unit 5040 for controlling each database, a financial processing unit 5700 for executing each function of the financial institution processing device 3 ', and an input / output processing unit 5
030 and a memory 5050.

As shown in FIG. 58, the database control unit 5040 includes an account management DB 5100, a money management DB 5200, a provisional settlement money management DB 5300, an electronic money management DB 5400, a main settlement information management DB 55
00 and a return management DB 5600.

The financial processing unit 5700 includes a provisional settlement money / electronic money issuing process 5710, a final settlement request accepting process 5750, a final settlement approval request accepting process 5800,
Temporary settlement cancellation request receiving process 5850, first third-party return certificate information receiving process 5900, second third-party return certificate information receiving process 5920, return complaint notification receiving process 5940, and return receipt It has a notification accepting process 5960 and a temporary settlement cancellation site monitoring process 5980.

FIG. 59 shows the configuration of each database managed by the database control unit 5040. As shown in this figure, the account management DB 5100
Manage buyer account information. This account information is linked to the money management DB 5200,
200 manages the issuance status of provisional settlement money and settlement account money. The provisional settlement money and the electronic money referred to by these information are stored in the provisional settlement money management DB 53.
00 and the electronic money management DB 5400. The final settlement status of the provisional settlement money or electronic money stored in each of these DBs 5300 and 5400 is as follows:
It is stored and managed in the settlement information management DB 5500. In addition, the status of returns from the buyer is indicated in the return management database 56.
00 is managed. Hereinafter, each database will be described in detail with reference to FIGS.

As shown in FIG. 60A, the account management DB 5100 is a DB for managing the existing account information of the purchaser, and is created using the account number 5101 as a key. Account information 5102 can be used to verify the identity,
It is configured to include personal information 5103 such as the purchaser's address, name, and telephone number. The account balance 5104 represents the balance of the deposit account + the credit available balance−the credit used balance.

FIG. 60B shows the money management DB 5200.
As shown in FIG. 19, it is generated using the account number 5201 as a key, and is linked to the account management DB 5100. Each time the purchaser issues provisional settlement money or electronic money (after adding product purchase information), the provisional settlement money issuance balance 5203
The electronic money issuance balance 5204 is updated, and issuance limit management is performed. Here, if the account balance 5104 is a, the provisional settlement money issuance balance 5203 is b, and the electronic money issuance balance 5204 is c, a ≧ b + c. The provisional settlement money management information 5205 includes link information to the provisional settlement money management DB 5300, and the electronic money management information 5206 includes link information to the electronic money management DB 5400.

FIG. 60C shows the provisional settlement money management DB5.
300 is shown. This provisional settlement money management DB5
Reference numeral 300 stores the provisional settlement money issued to the purchaser. That is, as shown in this figure, the provisional settlement money includes provisional settlement money ID 5301, payment ID 5302, amount 5303, issue date and time 5304, and product purchase information 530.
5. Financial institution identification (authentication) information 5306, payee information 5
307, presence / absence of final settlement request from seller and its date and time 53
10. The presence or absence of the final settlement approval request from the buyer and the date and time 5
311 and the issuing financial institution blind signature information 531
2 inclusive. Among them, the product purchase information 5305 includes information on purchased products, mediation days X (X = average delivery days + return complaint reception days + room days) and mediation days Y (Y = return complaint reception days). The payee information 5307 is
Seller information 5308 such as the address, name, and telephone number of the seller
And transfer-requested information 53 such as the seller's payee and payment method.
09.

FIG. 60D shows the electronic money management DB 54.
00 is shown. This electronic money management DB 540
The electronic money stored in 0 is issued to the purchaser in advance, and after the purchaser has added the product purchase information and paid to the seller, the seller has made a final settlement request. Most items 5 of this electronic money management DB 5400
403, 5404, 5405, 5406, 5407, 5
408, 5409, 5410, 5411, 5412 are
According to the provisional settlement money management DB 5200, the original ID 5401 and the child ID (additional ID) 54 are used as the electronic money ID.
02, and the purchaser's blind signature information 541
3 in that it differs from the provisional settlement money management DB 5200.

Next, FIG. 60 (e) shows the final settlement information management DB 5500. The record stored in the final settlement information management DB 5500 is used when the final settlement approval from the purchaser or the final settlement request from the seller is received and the final settlement request of the financial information including the temporary settlement information is made to the financial institution. Created and used for subsequent management. This final payment management DB5
500 is a money type 5 which is created using the payment ID 5501 as a key and indicates the classification of settlement account money / temporary settlement money.
502 and provisional settlement money ID or electronic money ID 55
03 and the date and time 5504 of the final settlement.

Next, with reference to FIG. 61, the returned goods management DB 56
00 will be described. This return management DB 5600
Generated at the time of receiving the first third-party return certificate-equipped temporary settlement cancellation request from the purchaser of the product, and used for subsequent management. This return management DB 5600 is generated using the payment ID 5601 as a key, and returns management information 5602 for managing the information of the delivery person who has requested the return by the purchaser and the date and time of the return request.
, Money type 5603 (classification of settlement account money / temporary settlement money), and provisional settlement money ID or electronic money ID
5604, temporary settlement cancellation request date / time / authentication 5605, delivery ID 5606, arbitration days 5 for site monitoring of final settlement after product delivery to purchaser and temporary settlement cancellation during return processing
607, date and time of return complaint information and authentication 5608,
The date and time of the return notification completion notification and the authentication 5609, and the date and time of the return approval notification and the authentication 5610 are included.

Next, each processing 5710 to 5980 included in the financial processing unit 5700 will be described with reference to FIGS. FIG. 62 is a processing flow of provisional settlement money / electronic money issuance processing 5710. The provisional settlement money / electronic money issuance processing 5710 first receives a provisional settlement money or electronic money issuance request from the product purchaser processing device 1 (step 5712). Then, temporary settlement money
Based on the protocol of the electronic money issuance request, the format is checked, the number of digits of each item, the attribute is checked with the item type, the presence or absence of input of personal identification information, and the validity of the financial institution identifier are checked (steps 5714 and 571).
6). If the check result is NG, the error content is notified to the product purchaser processing device 1 (step 5734),
If normal, access is made to the account management DB 5100 based on the account number included in the request (steps 5718, 5720).

Next, as a result of accessing the account management DB 5100, if there is no corresponding account record, the content of the error is notified to the product purchaser processing device 1 (step 5).
734) If there is a corresponding account record, the identity verification information of the provisional settlement money or electronic money issuance request is compared with the identity information in the account information registered in the record, and the identity of the identity is verified. Check sex.

Further, the issuance amount of the provisional settlement money or electronic money issuance request content is compared with the balance and credit information in the record, and the balance + credit available amount−the credit used amount is larger or smaller than the issued amount. Is checked (steps 5722 and 5724). If an error occurs in this check processing, the content of the error is notified to the purchaser processing device 1 (step 5734). If the check result is normal, the issue amount is frozen, so that the issue amount is subtracted from the balance of the account record to update the balance (including the credit use amount), and the corresponding account record in the account management DB 5100 is overwritten. .

Further, the money management DB 5200 is accessed using the account number, and based on the type of money to be issued,
If it is provisional settlement money, the issuance amount is added to the provisional settlement money issue balance, the number of issues is updated as provisional settlement money management information, and the provisional settlement money ID for the number of issuance requests is provided.
Is newly assigned and additionally stored. In the case of settlement account money, the issuance amount is added to the electronic money issuance balance, the number of issued money is updated as electronic money management information, and electronic money IDs for the number of issuance requests are newly assigned and additionally stored. When the money management DB 5200 does not exist, the DB
Is created (STORE), and if the money management DB 5200 already exists, it is overwritten (REWRITE) (step 5726).

If the type of money to be issued is provisional settlement money, the provisional settlement money management DB 5300 is created.
D, issue amount, issue date and time, issuing financial institution identification (certification)
The information and the like are stored in a record, and if the money is provisional settlement money that requires use management, merchandise purchase information and payee information are additionally stored in the record. In addition, a blind signature is generated and stored for important items in the product purchase information and the payee information (step 5728). Similarly, when the money type is the settlement account money, a record including necessary information is created.

Then, the created contents are stored as the provisional settlement money management DB 5300 or the electronic money management DB 5400 (step 5730). Finally, based on the records created in the money management DB 5200 and the provisional settlement money DB 5300 or the electronic money management DB 5400, provisional settlement money or electronic money is generated and transmitted to the product purchaser processing device 1 (step 5732). .

FIG. 63 shows the processing flow of the final settlement request acceptance processing 5750. First, step 5752
In, the final settlement request receiving process 5750 receives the final settlement request from the merchandise seller processing device 2.

Next, the validity of the contents of the final settlement request is checked by the processing of steps 5754 to 5778, and the transfer amount included in the final settlement request is stored in the provisional settlement money management DB 5300 or the electronic money management DB 5400. When the billing information is set and the payment ID is not set, the payment ID in the final settlement request is set and the DB is updated.

If the final settlement approval request has already been received, a correlation check of the final settlement information management DB 5500 is performed. If the check result is normal, the final settlement information management DB 5500 is updated and the provisional settlement money is updated. Management D
Payment processing is performed based on the contents of the transfer request in B5300 or the electronic money management DB 5400. If the final settlement approval request has not been made, the final settlement information is set to unfinished and the final settlement information management DB 5500 is created.

FIG. 64 shows a processing flow of the final settlement approval request acceptance processing 5800. In the final settlement approval request receiving process 5800, first, in Step 5802, the final settlement approval request is received from the product purchaser processing device 1 and the transaction management device 5.

Next, in the processing of steps 5804 to 5832, the validity check of the accepted final settlement approval request and the qualification check of the final settlement approval requester are performed. If the check result is normal, the provisional settlement money management DB 5300
Alternatively, the main settlement approval request information is set in the electronic money management DB 5400, and if the payment ID of the DB is not set, the payment ID in the main settlement approval request is set and the DB is updated.

If the final settlement request is accepted,
A correlation check of the settlement information management DB is performed, and if the check result is normal, a payment process is performed based on the contents of the transfer request in the provisional settlement money management DB 5300 or the electronic money management DB 5400. If the final settlement request has not been made, the final settlement information is set to unfinished and the final settlement information management DB 5500 is created. In addition, the seller processing device 2
Alternatively, the transaction management device 5 is notified of a reminder of the final settlement request.

FIG. 65 shows a temporary settlement cancellation request receiving process 58.
50 shows a processing flow of 50. First, in step 5852, the temporary settlement cancellation request acceptance processing 5850 accepts a temporary settlement cancellation request from the seller processing device 2 or the transaction management device 5. Then, step 5854
Through the processing indicated by 5872, the validity check of the accepted contents of the cancellation of the provisional settlement and the qualification check of the temporary settlement cancellation requester are performed. If the check result is normal, the provisional settlement money management DB 5300 or the electronic money management DB 5300
400, a flag indicating that the temporary settlement has been canceled is set, and the provisional settlement money management DB 5300 or the electronic money management DB
5400 is updated.

Further, the information (reception date and time, requester information, etc.) of the temporary settlement cancellation request in the return management DB 5600 is set, and the return management DB 5600 is created. The temporary settlement cancellation requester is notified of the temporary settlement cancellation acceptance.

FIG. 66 shows a processing flow of the first third-party return certificate information receiving process 5900. First,
In step 5902, the reception process 5900 receives the first third-party return certificate information from the product purchaser processing device 1 or the transaction management device 5.

Next, the validity check of the received first third-party return certification information and the qualification check of the requester of the first third-party return certification information are performed by the processing shown in steps 5904 to 5914. If the check result is normal, the arbitration days X are obtained to monitor the arbitration days. Here, the number of arbitration days X is X = the number of days of delivery in the product purchase information + the number of days for accepting a returned complaint in the product purchase information + the determined number of spare days− (the date of receipt of the first third party return certificate information−the first date). The date of receipt of the return request in the third-party return certificate information). Returned arbitration days X is returned management DB5600
, And the return management DB 5600 is updated.

FIG. 67 shows a processing flow of the second third party return certificate information receiving processing 5920.
First, in step 5922, a reception process 5920
Accepts the second third party return certificate information from the transaction management device 5. Next, by the processing shown in steps 5924 to 5934, the validity check and the qualification check of the contents of the second third party return certificate information are performed. If the check result is normal, the arbitration days Y is obtained to monitor the arbitration days. Here, the number of mediation days Y is Y = the number of days for receiving a returned complaint in the product purchase information− (the date of receiving the second third-party returned certificate information−the date of receiving the seller in the second third-party returned certificate information). Ask by The obtained arbitration days Y is set in the return management DB 5600, and the return management DB 5600 is updated.

FIG. 68 is a flowchart showing a return complaint notification receiving process 59.
40 shows a processing flow of 40. First, step 5
At 942, return complaint notification acceptance processing 5940
Accepts a return complaint notification from the seller processing device 2 or the transaction management device 5. Then, step 5944
5958, the validity check of the contents of the received return complaint notification and the qualification check of the return complaint notification requester are performed. If the check result is normal,
In the return complaint information 5608 of the return management DB 5600,
The return date and time of the return complaint and the requester information of the return complaint notification are set, and the return management DB 5600 is updated. Further, it notifies the requester of the return complaint notification that the return complaint notification has been received, and notifies the purchaser processing device 1 that a return complaint has occurred.

FIG. 69 is a process for receiving a return receipt notice 5960.
FIG. The return receipt notification receiving process 5960 is performed by the seller processing device 2 or the transaction management device 5.
(Step 5962).
Then, the processing shown in steps 5964 to 5980 is executed, and the validity check and the qualification check of the received return receipt notification contents are performed. If the check result is normal, a return approval notice 5610 of the return management DB 5600
Then, the reception date and time of the return receipt notification and the requester information of the return receipt notification are set, the number of mediation days 5607 is cleared to zero, and the return management DB 5600 is updated. Further, when return claim information is set, an invalid flag of the return claim information is set.

If the main settlement information management DB 5500 exists, it is deleted and the amount of the provisional settlement money management DB 5300 or the electronic money management DB 5400 is subtracted from the provisional settlement money issue balance or the electronic money issue balance of the money management DB 5200. Then, the money management DB 5200 is updated.

The account balance in the account management DB 5100 is added with the amount to be canceled, and the account management DB 5100 is updated. Here, the provisional settlement money management DB 5300 or the electronic money management DB 5400 that has become unnecessary due to the cancellation is
Deleted after a certain grace period to prevent trouble. Further, a notice of the completion of the cancellation is sent to the requester of the return receipt notification and the purchaser processing device 1.

FIG. 70 shows a temporary settlement cancellation site monitoring process 5
980 shows the processing flow. The cancellation site monitoring processing 5980 performs the processing shown in steps 5982 to 5998 periodically once a day, and returns the returned goods management DB 56
Check the contents of 00. Then, the return management DB 56
If the information of the return approval notice 5610 exists at 00, the same processing as the temporary settlement canceling processing of FIG. 69 is immediately performed.

If return complaint information 5608 exists, the process ends without changing the number of mediation days 5607. If neither the return approval notification 5610 nor the return complaint information 5608 exists, it is checked whether the information of the provisional settlement cancellation request 5605 exists.
If the provisional settlement cancellation request 5605 exists, the number of mediation days 560
7 is checked, and if the number of arbitration days is zero, the same processing as the temporary settlement canceling processing in FIG. 69 is performed. If the number of mediation days is not zero, it is subtracted by one day, and the return management DB 5
Update 600.

Next, a specific configuration of the product purchaser processing device 1 will be described with reference to FIG. The product purchaser processing device 1 is a processing device provided for a purchaser to perform work from ordering to settlement in product purchase and a return request, and has the following functions.

First, a function is provided for requesting the issuance of monetary information, including temporary settlement information, which is transferred to the merchandise seller and finally settled based on the confirmation of the merchandise content received from the seller. Secondly, it has a function of requesting registration of merchandise purchase information for money information including provisional settlement information.

Third, it has a function of requesting a product seller to place an order for a product, a function of transferring monetary information including provisional settlement information to the seller, and a function of notifying the identity of the purchaser.

Fourth, based on the confirmation of the content of the received product, a function for making a final settlement approval request for a normal product, a function for requesting a return of the product if it is not a normal product, It has a function of accepting first third party return certificate information for certifying that the request has been received, and a function of requesting cancellation of provisional settlement.

In order to exhibit such a function, the product purchaser processing device 1 is configured as shown in FIG. In FIG. 71, a product purchaser processing device 1 includes an arithmetic control unit 6010 that controls the entire device, a seller processing device 2 that is a transmission / reception partner, a financial institution processing device 3, a transaction management device 5, and a deliverer processing device 6. , 7, a communication control unit 6020 for connecting to a line, a database control unit 6040 for controlling each database, and a payment processing unit 6600 for executing each process of the product purchaser processing device 1.
, An input device 6030, and a memory 6050.

[0407] As shown in this figure, the database control unit 6040 includes a merchandise purchase management DB 6100, a money management DB 6200, a provisional settlement money management DB 6300, an electronic money management DB 6400, a final settlement approval request management DB
6500 and a return request management DB 6600.

[0408] As shown in this figure, the payment processing section 6600 has a money information issuance request processing 6610, a commodity order processing 6650, and a commodity receiving and returning processing 6700, and executes these processings.

Next, each database managed by the database control unit 6040 will be described with reference to FIGS. The configuration of the product purchase management DB 6100 is shown in FIG.
It is shown in FIG. The payment ID 6101 is an ID that is a key for money information management, main settlement management, and returned goods management. The product purchase information 6102 is product purchase detail information including seller information, and the order date and time 6103 is the order date and time of the product. The payment method 6104 is a payment method specified by the buyer at the time of ordering (for example, prepaid, provisional settlement, postpaid, etc.)
The money type 6105 is a money type (settlement account money / temporary settlement money, etc.) to be used for payment.
106 is the I of the paid electronic money or the provisional settlement money.
D, the provisional payment date and time 6107 is the date and time when the provisional payment was performed, the final payment approval date and time 6108 is the date and time when the purchaser performed the final payment approval, and the seller information 6109 is the name of the seller, Address, contact information, bank information, electronic money payee, etc., and include authentication 6110. Authentication 61
Reference numeral 10 denotes a seller authentication for the seller information 6109.

[0410] Also, the money management DB 6200
As shown in (b), account information 6201 including settlement account information (financial institution, account number), provisional settlement money issue balance 6203, electronic money issue balance 6204, provisional settlement money management information 6205, and electronic money management Information 620
6 is stored. The provisional settlement money management information 6205 is pointer information (link information) to the provisional settlement money management DB 6300, and the electronic money management information 6206 is pointer information to the electronic money management DB 6400.

The contents of the provisional settlement money management DB 6300 are, as shown in FIG.
D6301, payment ID 6302, amount 6303, issue date and time 6304, product purchase information 630 linked to money
5, issuing financial institution information 6306, and final settlement or provisional settlement cancellation completion date and time 6307. Of these, the provisional settlement money ID 6301 is a money ID assigned by the financial institution at the time of issuance, and is linked with the payment ID. The final settlement or provisional settlement cancellation completion date / time 6307 indicates the date and time when the life cycle of the provisional settlement money has ended due to the completion of the main settlement or provisional settlement cancellation.

[0412] The structure of the final settlement approval request management DB 6500 is shown in Fig. 72 (d). Here, payment ID 650
1, money type 6502, and money ID 6503
Corresponds to the same item in the merchandise purchase management DB 6100, and the final settlement approval request date and time 6504 corresponds to the merchandise purchase management DB 610.
0 corresponds to the final settlement approval date and time 6108. Further, the final settlement completion notification date and time 6505 is the date and time when the final settlement is notified from the financial institution after the final settlement approval request.

[0413] The return request management DB 6600 is generated when a return occurs, and its configuration is shown in Fig. 72 (e). The contents include items 6601, 6602, and 6603 according to the final settlement approval request management DB 6500, and date and time 6604 as delivery information (return request information) at the time of a return request to a third party witness such as a deliverer processing device. 6605 stores the first third party return certificate 6606. Furthermore, when the financial institution is notified of the request for canceling the provisional settlement by return, the distinction of the provisional settlement cancellation request / completed and its date and time 6607, and the corresponding distinction of the provisional settlement cancellation completed / unfinished and its date and time 66
08 is stored.

The electronic money management DB 6400 manages the information shown in FIG. This electronic money management D
The electronic money managed by B6400 is a so-called settlement account money issued from a financial institution without specifying a use at first, unlike temporary settlement money. In this figure, the upper part corresponds to management information of electronic money (settlement account money) issued by a financial institution, and the lower part shows a part of the amount of electronic money in order for a purchaser to purchase a specific product. Corresponding to the electronic money information including the provisional settlement information indicating that the seller has paid.

[0415] The management information shown in the upper part includes the electronic money ID 6401 of the issued money, and the initial issuance amount 64.
02, expiration date 6403, final settlement type (final payment type)
Withdrawal information 6404 and its total amount 6405, withdrawal information 6406 of the provisional settlement type (provisional payment type) and its total amount 6407, and the outstanding balance 6408 are included.

[0416] The lower part of the money information including the provisional settlement information indicates that a part of the issue amount 6402 has been issued as a provisional settlement type. Therefore, the money ID
Is the original ID (same as ID 6401 in the upper row) 6409,
The child ID 6410 is added and specified. Other items 6411, 6412, 6413, 6414, 641
5, 6416 are based on the provisional settlement money management DB 6300. However, the settlement account money is different from the provisional settlement money that is blind-signed by the financial institution at the time of withdrawal.

[0417] Next, the processing procedure of each processing in the product purchaser processing device 1 will be described with reference to FIG. First,
The processing procedure of the money information issuance request processing 6610 as a function of issuing provisional settlement money will be described with reference to FIG.

As shown in this figure, in the money information issuance request processing 6610, first, in step 6612, information on a financial institution requesting issuance of provisional settlement money and information accompanying an issuance request for an amount or the like are input. . The amount (b1) is shown in FIG.
It is determined within the range of the account balance 5104 of the account management DB 5100 of 0. Next, in step 6614, personal information such as an account number is input. In step 6616, it is determined whether or not it is necessary to add merchandise purchase information. If necessary, in step 6618, merchandise purchase information is additionally input. And step 66
At 18, the issuance request thus generated is transmitted to the financial institution processing device 3.

Next, at step 6622, the processing result from the financial institution processing device 3 is received, and at step 6624, the processing result is determined. If the processing result is normal, in step 6626, the provisional settlement money information received from the financial institution processing apparatus 3 is stored in the provisional settlement money management DB 6300 using the provisional settlement money ID 6301 as a key. In step 6628, the temporary settlement money issuance balance 6203 in the money management DB 6200 is updated (b = b + b1). On the other hand, if the processing result is not normal in step 6624, error processing is performed in step 6630.

Next, as a function of ordering a product and transferring provisional settlement money to a seller, a product order processing 6650 is performed.
Will be described with reference to FIG. This product order processing 665
0, first, after receiving the product information from the seller processing device 2 in step 6652, the product is selected in step 6654. Then, in step 6656, the order quantity,
A product order request in which the order amount, payment method, personal information and the like are added to the product information is transmitted to the seller processing device 2.

Then, in step 6660, the processing result (purchase details) from seller processing device 2 is received, and step 6
At 662, the processing result is determined. If the result is normal, at step 6664, a provisional settlement money issuance process is performed. Then, in step 6666, the identification information is set in the provisional settlement money information, and in step 6668, the provisional settlement money is transmitted to the seller processing device 2.

[0422] In step 6672, the processing result is received from the seller processing device 2, and in step 6677, the processing result is determined. If the result is normal, in step 6676, the payment ID 6101 is stored in the product purchase management DB 6100 using the payment ID 6101 as a key. Create a product purchase record. If the processing result is not normal in steps 6662 and 6677, error processing is performed in step 6678.

[0423] Next, as a function of making a final settlement approval request based on the product confirmation, a product receiving and returning process 6700 is performed.
Will be described with reference to FIG. In the commodity receiving and returning process 6700, first, the commodity is received in step 6701, and the contents of the commodity are confirmed in step 6702. If the goods were delivered successfully as ordered, step 6
In step 704, final settlement approval information is entered, and step 6706 is entered.
Is transmitted to the financial institution processing device 3.

Next, in step 6710, the processing result is received from the financial institution processing apparatus 3, and in step 6712, the processing result is determined. If the processing result is normal, the final settlement approval management DB 6500 is registered with the payment ID 6101 as a key. A payment approval record is created, and the request date and time 6
504 or the like is set.

[0425] On the other hand, if there is any defect in the product, a return request is transmitted to the delivery processor 7 in step 6718. In step 6722, the processing result is received from the delivery processor 7 and the processing result is determined in step 6724. If the processing result is normal, the return request record is stored in the return request management DB 6600 using the payment ID 6101 as a key in step 6725. create. At step 6724,
In exchange for delivering the goods to the deliverer, one receives a first third party return certificate certifying that the return has been processed.

[0426] In step 6728, the first third-party return certificate is set in the first third-party return certificate 6606 of the return request management DB 6600, and the provisional settlement with the first third-party return certificate is added. Cancel request for financial institution processor 3
Send to At step 6732, the financial institution processing device 3
The processing result is received in step 6734, and if the processing result is normal, if it is normal, in step 6736, the provisional settlement cancellation request 6607 of the return request management DB 6600 is set to “done” and the date and time are set. I do. If the processing result is not normal in steps 6712, 6724, and 6734, error processing is performed in step 6738.

Next, the merchandise seller processing device 2 will be described with reference to FIG. 77 and subsequent figures. Product seller processing device 2
Is a processing device provided to perform operations from order acceptance to settlement and return management when a seller sells a product, and has the following functions.

First, a function for receiving an order from a purchaser of a product, a function for receiving money information including provisional settlement information from a purchaser, and a function for performing final settlement after sending a product to a product receiver. It has a request function.

Second, a function for monitoring whether a final settlement approval request or a return request has been made after the recipient's receipt of a product, and a function for monitoring whether a final settlement approval request or a return request has been made within a certain period of time. And a function of attaching third-party delivery proof information, which proves that the receiver has received the product, as authentication information, and performing a final settlement approval request on behalf of the recipient.

Third, a function for accepting a notice of a cancellation request accompanying a return, a function for requesting cancellation of provisional settlement in response to the cancellation request, and a function for returning a normal Has a function of requesting a return complaint.

In order to exhibit such a function, the merchandise seller processing device 2 is configured as shown in FIG. The merchandise seller processing device 2 includes an arithmetic and control unit 7010 for controlling the entire device, a merchandise purchaser processing device 1, financial institution processing devices 3, 4, a transaction management device 5, and a deliverer processing device 6, which are partners of transmission and reception. , A communication control unit 7020 for line connection with each device, a database control unit 7040 for controlling each database, a sales management processing unit 7600 for executing each process of the sales management device 2, an input / output device 7030 and a memory 7050.

[0432] As shown in this figure, the database control unit 7040 includes a merchandise management DB 7100 and a sales management DB 7100.
200, a provisional settlement money management DB 7300, a main settlement request management DB 7400, a return management DB 7500, and an electronic content management DB 7550.

[0433] As shown in this figure, the sales management processing section 7600 includes a commodity order reception and monetary information reception and main settlement request processing 7610, and an electronic content transmission processing 7106.
700, final settlement site monitoring and final settlement approval agency processing 7750, returned goods reception processing 7850, cancellation request acceptance processing 7900 by return of electronic contents, returned goods cancellation processing 7950, monitoring of performance deadline, and notification of failure Process 8000, and executes these processes.

FIG. 78 is a conceptual diagram showing the relationship between the databases managed by the database control unit 7040. The merchandise management DB 7100 includes information for managing merchandise to be sold, and among them, the electronic content merchandise is managed by the electronic content management DB 7550.

[0435] The ordered products are stored in the product management DB 710.
The order information is managed by the sales management DB 7200. In addition, this sales management DB7
Reference numeral 200 includes temporary payment money management information, main settlement request management information, and return management information for performing monetary information management, main settlement management, and returned goods management required for sales management. The temporary payment money management information is pointer information to the temporary payment money management DB 7300, the final payment request management information is pointer information to the final payment request management DB 7400, and the return management information is pointer information to the return management DB 7500. It is.

Next, each database will be described in detail. The product management DB 7100, as shown in FIG.
A product code 7101 as a key, a product category 7102 for identifying an article or electronic content, and a product name 710
3, commodity sales information 7104, electronic content management ID7
105 is stored. Among them, product sales information 7104
The product purchase information 5305 of the product purchaser processing apparatus 1 includes the number of items in stock, the selling price, the site monitoring period for confirming the receipt of the product, the site monitoring period for the returned complaint, the average number of days for delivery, and the number of days for accepting the returned complaint. , 5406. Also, the electronic content management ID 7105
Is link information with the electronic content management DB 7550.

Next, the sales management DB 7200 is
(A) and (b). Payment ID 720
Reference numeral 1 denotes data that is a key for money information management, final settlement management, and returned goods management. The product code 7202, billing amount 7203, order information 7204, order date and time 7204 ', purchaser information 7205, and authentication 7206 are general product order data. The payment method category 7207 is a payment method (for example, settlement account money, provisional settlement money, etc.) specified by the purchaser at the time of ordering.

The temporary payment money management information 7208 is pointer information for managing payment money information based on the payment method classification 7207, and includes the temporary payment money management DB 73.
00 records. The shipping date and time 7210, the purchaser receiving date and time 7211, the deliverer information 7212, and the authentication 7213 included in the shipping information 7209 are information related to the delivery of the product, and are passed from the deliverer. The return management information 7214 is pointer information generated when a return occurs, and points to a record in the return management DB 7500. The final settlement request management information 7215 is pointer information for managing the final settlement request, and points to a record of the final settlement request management DB 7400. The encryption key 7216 and the decryption key 7217 of the electronic content key information are information used when selling electronic content.

FIGS. 81 (a) and (b) show provisional settlement money management DB 7300 and final settlement request management DB 740, respectively.
0 is shown. First, the provisional settlement money management DB 7300
Is a database for storing the money information received from the purchaser when ordering the product. The database includes a payment ID 7301, a money type 7302 (settlement account money / provisional settlement money), and a reception date and time 730.
3 and payment money information 7304 are stored. Among these, the payment money information 7304 is the second in FIG.
As shown in the third row and the third row, it differs depending on whether the money is provisional settlement money or settlement account money.

The second row is a case of provisional settlement money, which includes provisional settlement money ID 7311, payment ID 7312 (same as 7301), amount 7313, issue date and time 7314, product purchase information 7315, and issue financial institution information 7316.
The entire provisional settlement money is blind-signed by the issuing financial institution (purchaser financial institution). The third row is the case of settlement account money (electronic money), and most items 7333, 7334, 7335, 7336, 7337
Is the same as the case of provisional settlement money, but the money ID is
It differs from the case of provisional settlement money in that there is a D7331 and a child ID (additional ID) 7332 and that the entire blind signature is made by the purchaser.

Next, the final settlement request management DB 7400 is a database generated when a final settlement request for monetary information including the received temporary settlement information is made to a financial institution.
As shown in FIG. 81 (b), the payment ID 7401 becomes a key similarly to other databases. The final settlement financial institution information is financial institution information necessary for the final settlement request. When requesting a transfer request from a buyer's transaction financial institution, the information of the financial institution and the information of the payment destination (the seller's transaction financial institution and its account information) are set in the transfer request financial institution information 7402. When a collection request is issued to the seller's transaction financial institution, the information of the purchaser's transaction financial institution, the information of the seller's transaction financial institution, and the information of the deposit account are collected request collection financial institution information 7403. Is set to In the final settlement request date and time 7404 and final settlement completion date and time 7405, dates and times corresponding to the respective processes are set.

On the other hand, in the case of returned goods, provisional settlement or main settlement cancellation processing is performed. In order to manage these, provisional settlement cancellation information 7406 and temporary settlement cancellation request date 740
7, final settlement cancellation information 7408, and request date and time 7409 of cancellation of final settlement.

Next, the return management DB 7500 will be described with reference to FIG. This returns management DB7500
Is generated when the returned goods are delivered to the seller in response to a return request from the goods receiver to the delivery person, and is used for subsequent management. Returns information 750 contained in this database
1. Purchaser (or recipient) return request date and time 7502;
The deliverer information 7503, its authentication 7504, and the seller's return receipt date and time 7505 are information serving as a basis for a second third-party return certificate issued by the deliverer. After receiving the returned product, the seller must confirm the content of the returned product and notify the buyer's transaction financial institution processing device 3 of a return authorization or a return complaint.

In the return approval information 7506 and the request date and time 7507, and the return complaint information 7508 and the request date and time 7509, the corresponding notification contents and date and time are set, respectively. If the seller approves the return, the processing unit 3 of the purchaser's transaction financial institution performs a temporary settlement canceling process if the settlement is in a temporary settlement state, and performs a final settlement cancellation process if the final settlement is completed. .

The result of this processing is set in the temporary settlement cancellation information 7406 and its request date and time 7407, or the main settlement cancellation information 7408 and its request date and time 7409 in the final settlement request management DB 7400 in FIG. 81 (b).

FIG. 83 shows an electronic content management DB.
7550 is shown. Of the information in the product management DB 7100, the content of the electronic content is managed by the DB 7550.

This electronic content management DB 7550 is
In addition to the electronic content management ID 7551 for linking to the product management DB 7100, the information includes an electronic content classification code 7552, digest information 7553, encryption identification type 7554, and content product information 7555.
Here, the encryption identification type 7554 is information for specifying the encryption / decryption method of the electronic content. The electronic content is encrypted by the method specified by the encryption identification type 7554 and transmitted to the purchaser. Then, after the purchase decision, the purchaser decrypts it with the decryption key transmitted from the seller.

Next, the processing procedure of each of the processes 7610 to 8000 executed by the sales management processing section 7600 will be described with reference to the processing flow shown in FIG. 84 and thereafter.
First, as a function of receiving a commodity order and money and making a final settlement request, a commodity order reception, a financial information reception, and a final settlement request processing 7610 will be described.

The processing procedure of this processing 7610 is shown in FIGS. 84 and 85. In the process 7610, first, in step 7611, a product order is received from the purchaser processing device 1, and the content received in step 7612 is confirmed.
If the product order is correct in step 7614, the product management DB 7100 is referred to via the product code 7101 of the product ordered in step 7616. If there is a stock of the corresponding product in step 7618, an order acceptance notification is transmitted to the purchaser processing device 1 in step 7622.

Next, in step 7626, the temporary settlement money information is received from the purchaser processing device 1, and in step 7628
Check the value of the provisional settlement money received and the validity of the product purchase information. If it is determined in step 7629 that the check result is correct, step 76
At 30, the identity of the purchaser is verified, and
If the confirmation result is correct in step 7, the payment ID is numbered in step 7634, and the sales management DB is set in step 7636.
A sales management record is created in 7200 using the payment ID 7201 as a key, and a temporary settlement money record is created in the temporary settlement money management DB 7300 using the payment ID 7301 as a key in step 7538. Then, in step 7640, the order reception information is transmitted to the purchaser processing device 1.

Next, in step 7642, it is determined whether or not the ordered product is electronic content, and if it is an article, in step 7644, the presence or absence of a delivery system is determined. If there is a delivery system, a product delivery request is transmitted to the delivery processor 6 in step 7646. Step 76
At step 50, the processing result is received from the deliverer processing device 6, and at step 7652, if the processing result is OK, step 7
At 654, a request is made to the deliverer to ship the product, and a third party delivery certificate is received. At step 7656, shipping information such as date and time is set in shipping request date and time 7210 of sales management DB 7200. If the ordered product is electronic content in 7642, electronic content transmission processing is performed in step 7700.

[0452] In step 7660, provisional settlement money information is acquired from provisional settlement money management DB 7300, and in step 7662, a final settlement request is transmitted to financial institution processing device 3. In step 7666, the processing result is received from the financial institution processing apparatus 3, and in step 7668, the processing result is determined. If the processing result is OK, a record is stored in the settlement request management DB 7400 in step 7670 using the payment ID 7401 as a key. Is created, and final settlement request information such as final settlement request date and time 7404 is set.

If the contents are incorrect at step 7614, if there is no product corresponding to the order at step 7618, if the check result is incorrect at step 7629, and if the result of identity verification is incorrect at step 7632, At step 7675, a notice that the product order cannot be accepted is transmitted to the purchaser processing device 1. If the processing result is NG in steps 7652 and 7668, error processing is performed in step 7676.

Next, the procedure of the electronic content transmission processing 7700 will be described with reference to FIG. First, in step 7702, this electronic content transmission processing 77
00 transmits the digest information of the electronic content and the encrypted electronic content.

[0455] Here, electronic content transmission processing 7700
Is the electronic content management ID 7 of the product management DB 7100
With reference to the electronic content management DB 7550 using 105 as a key, the digest information 7553 of the corresponding electronic content record is extracted. Also, the content product information 7555 is encrypted with the encryption key 7216 of the electronic content key information in the sales management DB 7200. Then, these are transmitted to the purchaser processing device 1 via the transaction management device 5.

[0456] Next, in step 7704, the decryption key 7217 of the electronic content key information of the sales management DB 7200 is transmitted to the transaction management device 5. Then, step 77
At 06, the shipping information 7209 is stored in the sales management DB 7200, and at step 7708, the provisional settlement money management DB 7200 is stored.
The temporary settlement money information is acquired from 300 and the final settlement request is transmitted to the transaction management device 5.

Next, the function of monitoring the return request and, if the return request is not made within a certain period of time, performing the final settlement approval request on behalf of the purchaser, includes a final settlement site monitoring and a final settlement approval agency process. The 7750 will be described with reference to FIG.

This processing 7750 is first performed at step 77
At 52, the sales management record of the sales management DB 7200 is read once a day, and the processing after step 7754 is performed. At step 7754, the final settlement status is determined, and if not completed, at step 7756, the return request status is determined. If there is no return request, it is determined in step 7758 whether or not the monitoring period (X days) has elapsed after the product has been sent out. If the monitoring period has expired, the third party delivery certificate received from the deliverer in step 7760 To the financial institution processing device 3.

Next, the return acceptance processing 7850 will be described with reference to FIG. In the return receiving process 7850, first, in step 7852, a returned product is received from the deliverer.
In step 7854, the contents of the product are confirmed, and a return management record is created in the return management DB 7500. If the returned product is incomplete in step 7856, the complaint information is transmitted to the financial institution processing device 3 in step 7858, and in step 7860 the returned complaint information 7508 such as the complaint request date and time 7509 is returned to the return management DB 7500. Set. Step 78
If the validity of the product is confirmed in 56, a cancellation process 7950 by return is executed in step 7862.

Next, the cancellation processing 7950 by return will be described with reference to FIG. Cancellation processing 7950 firstly
In step 7952, the record of the return management DB 7500 is read, and in step 7954, the final settlement status is confirmed by referring to the final settlement request information 7215 of the sales management DB 7200 and referring to the final settlement request management DB 7400 with the payment ID 7401 as a key. . Here, if the final settlement completion date and time 7405 is set, step 79
At 55, a request for cancellation of the final settlement (transfer to the purchaser account) is transmitted to the financial institution processing device 3. If the final settlement completion date and time 7405 is not set, the temporary settlement money management DB 7300 is checked to determine whether there is a record of the temporary settlement money corresponding to the payment ID. Here, if there is a record of provisional settlement money, step 7958
Sends a return authorization and a request for cancellation of provisional settlement to the financial institution processing device 3. If there is no record of provisional settlement money, a return approval is transmitted to the financial institution processing device 3 in step 7960. Then, in step 7962, the record of the return management DB 7500 is updated.

Next, the processing procedure of the seller processing apparatus 2 which has not been described will be additionally described. This procedure is to be provided as a preferred embodiment. FIG. 89 shows a processing procedure of cancellation request acceptance processing 7900 due to electronic content return. Reception processing 79
00 first receives a request message for electronic content from the transaction management device 5 in step 7902, and
A return management record is created in B7500. Next, in step 7904, the request content is determined. If the request content is a request for resending the electronic content, in step 7906, the encrypted electronic content transmitted to the purchaser processing device 1 is retransmitted to the transaction management device 5. . In step 7910, the result of decryption processing of the electronic content is received from the transaction management device 5, and in step 7912, it is confirmed. If the decryption process is not performed correctly in the transaction management device 5 and there is a request to retransmit the electronic content before encryption in step 7914, the electronic content before encryption is transmitted to the seller processing device 2 and the transaction management device 5 in step 7916. And then resend. At step 7920, the result of the confirmation processing of the contents of the electronic content at transaction management device 5 is received, and when the result is OK at step 7922,
The process ends. If the cancellation request is received in steps 7904 and 7914, and if the processing result is NG in step 7922, it is determined in step 7924 whether the provisional settlement cancellation request can be approved. In step 7926, a return claim information is transmitted to the transaction management device 5 and the return management DB 7 is executed.
A claim request date and time 7509 of 500 is set. Finally, a configuration for monitoring whether or not the product has been dispatched will be described with reference to the processing flow of FIG.

First, the fulfillment term of the product dispatch, which is the payment condition information, is monitored. If the commodity is not dispatched within the fulfillment term, the payment condition information is sent as authentication information and a transaction cancellation request is made. As a function, a processing procedure of the execution time monitoring processing 7970 will be described. The execution time monitoring process 7970 is executed by the purchaser processing device 1 or a processing device provided at the product receiver.

FIG. 91 and FIG. 92 show the processing flow of the execution time monitoring processing 7970. This monitoring process 7
970 first accepts the input of the execution deadline desired by the purchaser in step 7972, and inquires of the seller processing device 2 in step 7974 whether the execution deadline is observed. If the inquiry result is NG in step 7976, the purchaser is inquired in step 7978 whether or not the execution period can be changed. If the change is possible, re-input of the execution deadline is accepted in step 7980, and the processing after step 7974 is repeated. If the change is not possible, the process ends.

At step 7976, the inquiry result is OK.
If so, in step 7982, the execution deadline is set to provisional settlement money, and it is transmitted to the seller processing device 2. Next, in step 7984, it is determined whether or not the execution deadline monitoring target exists.
In step 6, the temporary settlement money to be monitored is searched, and step 7 is executed.
At 988, the date and time of the performance deadline set in the provisional settlement money is compared with the current date and time. If the current date and time has not passed the date and time of the execution deadline, it is checked in step 7990 whether or not there is a confirmation input for execution.

[0465] If there is a confirmation input, in step 7992, the confirmed information such as the confirmation date and time and the name of the confirmer are set in the provisional settlement money, and the processing in step 7984 and thereafter is repeated. If there is no confirmation input, the processing after step 7984 is repeated as it is. Then, if there are no more monitoring targets in step 7984, the process ends.

If the current date and time is past the execution deadline in step 7988, a request for cancellation of the temporary settlement is sent to the issuing financial institution together with the provisional settlement money whose execution deadline has passed in step 7994, and step 7996 is executed. Then, the cancellation requested information including the request date and time is set in the provisional settlement money, and the process ends.

Next, an order for a product is received from the purchaser,
Accepts the provisional settlement money settled by the notification of the confirmation that the product has been sent, monitors the fulfillment date of the product dispatch, which is the payment condition information, and if the product is not dispatched within the fulfillment date, purchases it. Alternatively, as a function of notifying the product receiver, the seller processing device 2 executes the monitoring of the execution deadline and the notification process 80 in the case of default, as shown in FIG.
The processing procedure of 00 will be described.

FIG. 93 and FIG. 94 show the processing flow of the monitoring of the performance deadline and the notification processing 8000 at the time of default. In this process 8000, first, in step 8002, transmission information from a purchaser or a product receiver is received,
In step 8004, if it is an inquiry for confirmation of the execution deadline, in step 8012, the seller is inquired whether or not the commodity can be sent by the execution deadline. If shipping is possible, the process from step 8016 is performed. If the shipment is not possible, a request to change the execution deadline is sent to the transmission source, and the process is terminated.

[0469] In step 8004, if the transmission information is not a query for execution time limit confirmation, in step 8006, if it is provisional settlement money, it is checked in step 8008 whether an execution time limit is set. If the execution deadline is set, it is next checked in step 8010 whether there is confirmed information on the execution deadline. If there is the confirmed information, the processing from step 8016 is performed.

If the execution deadline is not set in step 8008, the processing after step 8016 is performed. If there is no confirmed information in step 8010, step 8012 is executed.
The following processing is performed. If it is determined in step 8006 that the transmission information is not provisional settlement money, the process ends.

At step 8016, the fact that the transmission information has been normally received is notified to the transmission source.
In step 8020, it is determined whether there is a performance deadline monitoring target. If there is a monitoring target, the provisional settlement money to be monitored is searched for in step 8020. Compare with current date and time. If the current date and time has not passed the date and time of the execution deadline, it is checked in step 8024 whether or not there is an entry of execution completed.

If there is an input that has been completed, step 8026
At, the fulfilled information, such as the fulfillment date and time, the name of the person confirming the fulfillment, is set in the provisional settlement money, the corresponding settlement request processing is performed in step 8028, and the processing in step 8018 and thereafter is repeated. If there is no input indicating that the execution has been completed, the processing after step 8018 is repeated as it is. And step 80
If there is no monitoring target at 18, the process ends.

In step 8022, if the current date and time has passed the date and time of the performance deadline, in step 8030, defaulted information such as the date and time of default, the reason for default, and the name of the person who confirmed the default is set in the provisional settlement money. In step 8032, the sender is notified of the failure to ship the product, and the process ends.

In the embodiment described above, the sale of goods such as goods and electronic contents is mainly a matter to be paid, but the same system can be applied to the provision of services. Can be applied.

Each device of this embodiment can be configured using, for example, an information processing device (computer) as shown in FIG. The information processing apparatus in FIG.
PU (Central Processing Unit) 8101, memory 8102, input device 8103, output device 8104, external storage device 810
5, a medium drive device 8106, and a network connection device 8107, which are connected to each other by a bus 8108.

[0476] The memory 8102 stores programs and data used for processing. As the memory 8102, for example, a ROM (read only memory), a RAM (rand
om access memory) is used. CPU8101
Performs necessary processing by executing a program using the memory 8102.

[0477] The input device 8103 is, for example, a keyboard, a pointing device, a touch panel, or the like.
Used for inputting instructions and information from the user. The output device 8104 is, for example, a display or a printer, and is used to output an inquiry to a user, a processing result, and the like.

The external storage device 8105 is, for example, a magnetic disk device, an optical disk device, a magneto-optical disk (magnet disk).
o-optical disk) device. This external storage device 81
The program and data described above can be stored in the memory 052, and can be used by loading them into the memory 8102 as needed. The external storage device 8105 is also used as the various databases described above.

[0479] The medium drive device 8106 drives the portable storage medium 8109 and accesses the recorded contents. As the portable storage medium 8109, a memory card, a floppy disk, a CD-ROM (compact disk read only
emory), an optical disk, a magneto-optical disk, or any other computer-readable storage medium. The above-described program and data can be stored in the portable storage medium 8109, and can be used by loading them into the memory 8102 as needed.

The network connection device 8107 is a LAN
(Local area network) and other devices via an arbitrary network (line), and performs data conversion accompanying the communication. Also, if necessary, the above-mentioned program and data are received from an external device, and the
It can also be loaded and used.

FIG. 96 shows a computer-readable storage medium capable of supplying a program and data to the information processing apparatus shown in FIG. Portable storage medium 81
09 and programs and data stored in the external database 8110 are loaded into the memory 8102. Then, the CPU 8101 executes the program using the data, and performs necessary processing.

[0482]

According to the present invention, a payer (a purchaser of a product, a service requester, etc.) pays a payer (a seller, a service provider, etc.) when purchasing a product or requesting a service.
In order to show that the customer has the ability to pay, the customer passes financial information, including provisional settlement information, that is settled by notification of confirmation that the items to be paid (product supply, service provision, etc.) have been fulfilled, The payee can secure the price of the goods or the price of the service based on the money information. For this reason, there is no risk of collection of the price of the product or service for the payee.

[0483] The payer or the confirmer who checks the items to be paid is the following:
After receiving the product, the ordered product and the content of the received product (color,
After confirming the size, pattern, quality, manufacturer name, type, authenticity, etc.), the final settlement is approved, so that the desired product can be reliably purchased. In the case of a service request, after confirming the results of the service provider's work (termite extermination work, business trip cleaning, cleaning agency work, house repair work, etc.), the final settlement is approved, so that overtaking work is prevented. Can be easily done. Therefore, both the payer and the payee do not take risks, and the settlement process is performed reliably.

According to the present invention, the payee is:
With the certification of the issuing financial institution, the issuing financial institution has secured the monetary information including the provisional settlement information in the account of the payer, which is settled by the notification of confirmation that the item to be paid has been fulfilled. Therefore, goods and services can be provided without relying on the personal trust of the payer.

Further, according to the present invention, since the financial information including the provisional settlement information includes the payment target information, the issuing financial institution can confirm based on more detailed information at the time of the main settlement, so that the improper settlement can be performed. It is possible to effectively prevent the occurrence of a settlement accident for the request. Further, it is possible to prevent the payer from using the monetary information for other purposes.

According to the present invention, since the payment target information is blinded by the encryption key which can be decrypted only by the issuing financial institution, a third party can illegally copy the money information and use it for another purpose. Can be effectively prevented.

According to the present invention, the payer himself / herself generates temporary payment information using electronic money having information for identifying whether or not the temporary payment information is included, and then pays the temporary payment information to the payee, After the payment payer or the confirmer confirms the contents of the goods or services provided by the payment payee, the final payment is performed, so that both parties do not take risks and the payment processing can be performed reliably. In addition, the payer, when transferring the electronic money, determines whether to pay as electronic money for final payment without provisional settlement information, or to generate temporary payment information and pay as electronic money for provisional settlement,
You can use them properly. Therefore, electronic money can be used effectively and safely according to the payment situation.

Further, according to the present invention, by holding the money information including the provisional settlement information in a portable storage medium such as a portable card, when receiving the provision of goods or services, It is possible to pay online using a network or the like, or to directly pay a portable storage medium. For this reason, the convenience of payment is improved and opportunities for providing goods and services are expanded.

According to the present invention, forgery of the portable storage medium can be prevented by issuing the portable storage medium from a terminal such as an ATM connected to the issuing financial institution. In addition, if the terminal is provided, it can be issued without limitation, so the payer will be able to issue it if the terminal is operating even after the window of the branch of the issuing financial institution is closed. You can get a portable storage medium whenever you like.

According to the present invention, the payee is
A portable storage medium transferred from the payer as provisional settlement money can be inserted into a terminal such as an ATM connected to the issuing financial institution to make a request for final settlement, so that the payment without a network connection processing device can be made. Even the payee can make a transaction in the temporary payment system.

Further, according to the present invention, when a portable storage medium is issued from a terminal such as an ATM connected to an issuing financial institution, it is displayed whether or not automatic collection is to be performed after processing is completed. In the case of a portable storage medium on which the display of collection is displayed, it is automatically collected after confirming the end of processing.
Therefore, unauthorized use can be prevented, and resources can be saved by reusing the portable storage medium.

According to the present invention, unauthorized use of a storage medium that is not automatically collected can be prevented by writing information prohibiting reuse after the processing is completed.

Further, according to the present invention, although the final settlement request from the payer is accepted, the final settlement is not performed without the final settlement approval from the payer, so that the payment risk of the payer is reduced. Disappears.

According to the present invention, the payee is:
When making a final settlement request to the financial institution of the price payer, pay the transferee information to the financial institution that has your own account or your own electronic wallet information as the transfer request information at the time of the final settlement Specify it first. As a result, when the final settlement is made, the money is automatically remitted to the payee included in the transfer request information.

Further, according to the present invention, since a transaction is conducted via a device for relaying transmission (transaction management device or the like), the transmitting side of the transaction information may receive the encryption key of the receiving side,
There is no need to send the encryption key of the sender. Also,
Since the transmitting side encrypts and sends it with the unique encryption key between the transmission relay device and the transmitting side, there is no need to exchange any encryption key or decryption key with any receiving side. For this reason, there is no danger of the third party decrypting the transaction information. Further, the transmission side can easily manage the encryption key, and the security is dramatically improved.

Also, according to the present invention, the apparatus for relaying transmission decrypts the encrypted message sent from the transmitting side by using the unique decryption key unique to the transmitting side.
Identity verification can be easily performed.

Also, according to the present invention, the receiving side receives the message encrypted with the unique encryption key unique between the device and the receiving side by the device that relays the transmission. You do not need to be aware of the encryption key. In addition, there is no danger that the encrypted message will be decrypted by a third party. further,
On the receiving side, management of the encryption key is easy, and security is dramatically improved.

Further, according to the present invention, a transaction management device is provided because the transaction status cannot be confirmed if a commercial transaction is performed only between the parties. By transmitting and receiving the transaction information via the transaction management device, the payer, the payee, the financial institution, and the like can accurately grasp all the processes of the transaction.

Also, according to the present invention, the transaction management device
When managing the transaction information, it is managed with the authentication of the transmitting side, so that the denial of the person and the denial of the transaction can be prevented.
Further, according to the present invention, when the payment receiver needs to make a transaction cancellation request to the transaction management device due to the failure of the transaction, the transaction management device performs the transaction cancellation request processing to be performed by the payment receiver. In order to monitor the occurrence of the transaction, the payer does not need to check the cancellation status of the transaction by himself.

Also, according to the present invention, the transaction management device
Manages the period from the occurrence of a cancellation event specified for each transaction until the cancellation request is made, and if no cancellation request from the payment recipient occurs within that period, cancellation is performed on behalf of the payment recipient Since the request processing is performed, the cancellation processing can proceed without delay.

[0501] According to the present invention, the transaction management device comprises:
Based on the date and time when the recipient received the product, it is monitored whether the recipient has made a final settlement approval request or has returned the product. For this reason, it is possible to accurately grasp the transaction status, such as whether to shift from the provisional settlement to the final settlement or to cancel the transaction.

[0502] Further, according to the present invention, the transaction management device comprises:
It manages the period from when the recipient receives the goods until the final settlement approval request or product return request.If the recipient does not make the final settlement approval request or the product return request within that period, Make a final settlement approval request on behalf of the recipient.
For this reason, after the goods are received, the transaction up to the final settlement approval request can proceed without delay.

[0503] According to the present invention, when the receiver returns the merchandise and is notified that the return procedure has been performed,
The transaction management device issues a transaction cancellation request on behalf of the recipient. For this reason, the cancellation process after the return can be advanced without delay.

[0504] Further, according to the present invention, the deliverer processing device that has received the delivery request from the payment destination manages the receipt signature of the destination and generates delivery proof information including the payment ID related to the delivered product. To prove the fact that the goods have been delivered.

According to the present invention, when a return delivery request is received from a receiver, the deliverer processing device manages the signature of the requester and transmits delivery proof information including a payment ID relating to the product to be returned. To generate, it can prove that the return process has been started.

Also, according to the present invention, when delivering the goods to be returned to the payee, the deliverer processing device manages the receipt signature of the payee and includes the payment ID relating to the goods to be returned. Generate final return certificate information. Therefore, it is possible to prove that the returned product has arrived at the payment destination.

According to the present invention, delivery certifying information for certifying that a product has been delivered, return certifying information for certifying that a return has been accepted, and a final certifying statement for certifying that the returned product has been delivered to the payee. When each of the return certificate information is generated by the delivery processor, it is registered in the transaction management device.
For this reason, an accurate situation in each process of the transaction can be grasped. In addition, by using each certification information as approval information of a third party, it is possible to prevent a trouble in the transaction.

Also, according to the present invention, the transaction management device
It manages the period from when the recipient receives the goods until the final settlement approval request or product return request.If the recipient does not make the final settlement approval request or the product return request within that period, Make a final settlement approval request on behalf of the recipient.
At this time, since the final settlement approval request is made with the contents attached with the delivery certification information of the deliverer processing device as the authentication information, proxy processing with higher reliability is performed.

Further, according to the present invention, after the receiver makes a return request for the goods, and the returned goods are delivered to the payee, the transaction management device authenticates the final return certificate information of the delivery processor. Request cancellation on behalf of the recipient with the information attached as information. Therefore, proxy processing with higher reliability is performed.

[0510] According to the present invention, the receiver makes a cancellation request with the return information certifying information for certifying that the return request has been received as authentication information. In addition, the cancellation process can be promptly advanced.

Also, according to the present invention, the payee is:
It manages the period from the receipt of the goods to the final settlement approval request or return request, and monitors whether the final settlement approval request or return request is made within that period.
If neither event occurs, a final settlement approval request is made with the contents attached with the delivery proof information of the transaction management device for certifying that the goods have been delivered to the recipient as authentication information. Therefore, the payment destination can request the final settlement approval on behalf of the receiver, and the final settlement processing can be promptly advanced.

Also, according to the present invention, after the financial institution processing device receives the final return certificate information certifying that the payee has received the return, the financial institution processing device returns the return content from the payee or the transaction management device. Receiving a notification that there is a problem with the transaction, and in anticipation of a situation in which the cancellation process cannot proceed, manages the period for receiving the return complaint for each transaction. Then, it monitors whether a return complaint is notified within that period. For this reason, in the case where there is a defect or the like in the contents of the returned goods by the recipient, the cancellation processing is reserved, so that trouble in the returned goods processing can be prevented.

[0513] According to the present invention, when the payment receiving party or the transaction management device that has received the returned product is notified that the returned product has been normally received, the financial institution processing device is within the period for receiving the returned product claim. However, since the cancellation process is performed without waiting for the elapse of the period, the cancellation process can be promptly advanced.

Also, according to the present invention, the transaction management device in the electronic content sales system manages the decryption key of the electronic content on behalf of the payee, and passes the decryption key in response to the request of the payer. It is possible to accurately manage whether or not the electronic content has reliably reached the payer.

Also, according to the present invention, the transaction management device
When sending the decryption key of the electronic content in response to the request of the payer, the signature of the payer is managed, and the third party itself generates the third-party approval information, so that rejection by the payer can be prevented.

[0516] Also, according to the present invention, the transaction management device comprises:
When receiving notification from the payer that the electronic content cannot be decrypted, the electronic content sent from the payee to the payer is obtained and compared with the electronic content sent from the payer. For this reason, it is possible to manage whether or not the electronic content of the payer is illegally altered.

Also, according to the present invention, the transaction management device
As a result of the comparison, when there is no abnormality in the content of the electronic content, the content is decrypted by the decryption key sent to the payer and confirmed by himself, so that the validity of the electronic content and the decryption key can be managed.

[0518] According to the present invention, the transaction management device comprises:
Since the decrypted electronic content is compared with the original electronic content obtained from the payee, it is possible to accurately manage whether or not the content of the decrypted electronic content has been illegally altered.

[0519] Also, according to the present invention, the transaction management device comprises:
As a result of the comparison, if the decryption key is defective, the decryption key is sent again to the payer, so that the transaction of the electronic content can proceed without delay.

[0520] According to the present invention, the transaction management device comprises:
As a result of the comparison, if there is a defect in the content of the electronic content sent to the payer by the payee, to notify the payee of a cancellation request or the like to stop the payment process of the payer, The cancellation process can proceed without delay.

Also, according to the present invention, the transaction management device
As a result of the comparison, if there is a defect in the electronic content, the electronic content is sent again to the payer, so that the transaction of the electronic content can proceed without delay.

Further, according to the present invention, since the payer and the confirmer (confirmation of goods, beneficiaries of services, etc.) for confirming the items to be paid may be different.
Using money information including temporary settlement information, send souvenirs to family members and third parties, and provide house cleaning services etc. to service providers as gifts for special days such as mother's day and birthday. Requests can be made easily.

[0523] According to the present invention, the confirmer who confirms the items to be paid can confirm the contents of the received product or receive the service and immediately request the final settlement approval. In this case, the final settlement (payment of the price) is performed more quickly than the requester of the price makes a final settlement approval request. Further, there is no need for the confirmer to contact the payer of the price for the final settlement approval request.

[0524] According to the present invention, since the monetary information including the provisional settlement information includes the performance term of the item to be paid as payment term information, the promised date (performance term)
It is possible to objectively check and monitor whether or not the product has arrived by then, and whether or not the requested service has been received by the promised date.

[0525] According to the present invention, the delivery of the ordered product or the requested service could not be performed by the execution deadline of the item to be paid, which is the payment condition information. In this case, the payer or the confirmer who confirms the items to be paid can request cancellation of the monetary information including the paid temporary settlement information. This avoids the risk of lost profits on the due date.
Here, the risk of lost profit with respect to the due date is birthday,
If a product does not arrive or receive services by the promised date due to a special day such as Mother's Day or Christmas, the risk of losing value of the products or services means.

Also, according to the present invention, the transaction management device
In order to monitor the deadline for fulfilling the payment target information, which is the payment term information, if the payee cannot deliver the ordered product or provide the requested service by the deadline, the objective Based on the financial information, it is possible to make a request to cancel the monetary information including the paid temporary settlement information on behalf of the payer of the price. Furthermore, the payer or the confirmer who checks the items to be paid can avoid the troublesome check and monitoring as described above, so that children and the elderly can safely request services and purchase products. it can.

Also, according to the present invention, the payee is:
By monitoring the performance deadline of the payment target item, which is the payment condition information, if the delivery of the ordered product or the provision of the requested service is not possible by the performance deadline, A notice to that effect is sent to the payer or the confirmer who confirms the items to be paid. For this reason, the payer or the confirmer of the payment can request the cancellation more quickly.

Although the effects described above relate to the system and apparatus of the present invention, similar effects are expected when the storage medium of the present invention is used.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram of a settlement system according to a first embodiment of the present invention.

FIG. 2 is an explanatory diagram illustrating a processing procedure (a settlement process of provisional settlement money) according to the first embodiment.

FIG. 3 is an explanatory diagram illustrating a processing procedure (settlement processing by provisional payment of settlement account money) according to a second embodiment.

FIG. 4 is a schematic configuration diagram of a settlement system according to a third embodiment.

FIG. 5 is an explanatory diagram illustrating a processing procedure (a settlement process of provisional settlement money via a transaction management device) according to a third embodiment.

FIG. 6 is an explanatory diagram illustrating a processing procedure (payment processing in purchasing electronic content) according to a fourth embodiment.

FIG. 7 is an explanatory diagram illustrating a processing procedure (final settlement approval request processing at the time of purchasing electronic content) according to a fourth embodiment.

FIG. 8 is an explanatory diagram illustrating a processing procedure (site monitoring processing of a final settlement approval request) according to a fourth embodiment.

FIG. 9 is an explanatory diagram illustrating a processing procedure (cancellation request notification processing) according to a fourth embodiment;

FIG. 10 is an explanatory diagram illustrating a processing procedure (a site monitoring process of a cancellation request) according to the fourth embodiment;

FIG. 11 is a schematic configuration diagram of a settlement system according to a fifth embodiment.

FIG. 12 is an explanatory diagram illustrating a processing procedure (final settlement request processing from a seller) according to a fifth embodiment;

FIG. 13 is a schematic configuration diagram of a settlement system according to a sixth embodiment.

FIG. 14 is an explanatory diagram illustrating a processing procedure (distribution product purchase processing) according to a sixth embodiment.

FIG. 15 is an explanatory diagram illustrating a processing procedure (return processing of a distribution product) according to the sixth embodiment.

FIG. 16 is a schematic configuration diagram of a settlement system according to a seventh embodiment.

FIG. 17 is an explanatory diagram illustrating a processing procedure (purchase processing of a distribution product via a transaction management device) according to the seventh embodiment.

FIG. 18 is an explanatory diagram illustrating a processing procedure (return processing of a distribution product via a transaction management device) according to the seventh embodiment.

FIG. 19 is a schematic configuration diagram of a settlement system according to an eighth embodiment.

FIG. 20 is an explanatory diagram illustrating a processing procedure (settlement processing using a portable storage medium) according to the eighth embodiment.

FIG. 21 is a schematic configuration diagram illustrating an embodiment of a transaction management device.

FIG. 22 is an explanatory diagram illustrating a database configuration of the transaction management device.

FIG. 23 is an explanatory diagram illustrating a configuration of an encryption key management database.

FIG. 24 is an explanatory diagram illustrating features of an encryption / decryption method via a transaction management device.

FIG. 25 is an explanatory diagram illustrating a configuration of a transaction management database.

FIG. 26 is an explanatory diagram illustrating a configuration of a transaction status.

FIG. 27 is an explanatory diagram illustrating the configuration of a final settlement site monitoring database and a returned site monitoring database.

FIG. 28 is a flowchart showing an encryption / decryption processing procedure.

FIG. 29 is a flowchart showing a commodity order processing procedure.

FIG. 30 is a flowchart showing a money issuing (temporary settlement money issuing) processing procedure.

FIG. 31 is a flowchart showing a money payment (temporary settlement) processing procedure.

FIG. 32 is a flowchart showing a procedure of a product delivery reception registration process.

FIG. 33 is a flowchart showing a commodity delivery receipt registration processing procedure.

FIG. 34 is a flowchart showing the main settlement request processing procedure.

FIG. 35 is a flowchart showing a final settlement approval procedure.

FIG. 36 is a flowchart showing an electronic content decryption key reception processing procedure.

FIG. 37 is a flowchart showing an electronic content reception confirmation / cancellation processing procedure.

FIG. 38 is a flowchart showing a provisional settlement cancellation request processing procedure.

FIG. 39 is a flowchart showing an electronic content decryption check processing procedure.

FIG. 40 is a flowchart showing a returned goods delivery reception processing procedure.

FIG. 41 is a flowchart showing a return delivery receiving procedure.

FIG. 42 is a flowchart showing a provisional settlement cancellation request acceptance process.

FIG. 43 is a flowchart showing a returned goods confirmation / claim acceptance process.

FIG. 44 is a flowchart showing the procedure of the settlement site monitoring and compulsory payment processing.

FIG. 45 is a flowchart showing a return site monitoring and forced cancellation processing procedure.

FIG. 46 is a schematic configuration diagram showing one embodiment of a financial institution terminal.

FIG. 47 is an explanatory diagram showing a schematic configuration of a provisional settlement money card (portable storage medium) applied to a financial institution terminal and a memory layout of an IC chip.

FIG. 48 is a flowchart showing a storage medium issuing processing procedure.

FIG. 49 is a flowchart showing the final settlement approval processing procedure.

FIG. 50 is a flowchart (No. 1) showing a final settlement request processing procedure.

FIG. 51 is a flowchart (part 2) of the main settlement request processing procedure;

FIG. 52 is a schematic configuration diagram showing an embodiment of a delivery processing unit.

FIG. 53 is an explanatory diagram illustrating a configuration of a delivery management database, a delivery requester information management database, and a delivery destination information management database.

FIG. 54 is a flowchart showing a delivery reception processing procedure.

FIG. 55 is a flowchart showing a delivery reception processing procedure.

FIG. 56 is a flowchart showing a returned goods reception processing procedure.

FIG. 57 is a flowchart showing a returned goods reception processing procedure.

FIG. 58 is a schematic configuration diagram showing an embodiment of a financial institution processing device.

FIG. 59 is an explanatory diagram illustrating a configuration of a database of the financial institution processing device.

FIG. 60 is an explanatory diagram illustrating the configurations of an account management database, a money management database, a provisional settlement money management database, an electronic money management database, and a main settlement information management database.

FIG. 61 is an explanatory diagram illustrating the configuration of a returned goods management database.

FIG. 62 is a flowchart showing a provisional settlement money / electronic money issuance processing procedure;

FIG. 63 is a flowchart showing the main settlement request acceptance processing procedure.

FIG. 64 is a flowchart showing the main settlement approval request acceptance processing procedure.

FIG. 65 is a flowchart showing a temporary settlement cancellation request acceptance processing procedure.

FIG. 66 is a flowchart showing the procedure for accepting first third party return certificate information.

FIG. 67 is a flowchart showing a procedure for accepting second third party return certification information.

FIG. 68 is a flowchart showing the procedure for receiving a return complaint notification.

FIG. 69 is a flowchart showing a returned goods receipt notification receiving procedure.

FIG. 70 is a flowchart showing a temporary settlement cancellation site monitoring processing procedure;

FIG. 71 is a schematic configuration diagram showing an embodiment of a product purchaser processing device.

FIG. 72 is an explanatory diagram illustrating the configurations of a product purchase management database, a money management database, a provisional settlement money management database, a final settlement approval request management database, and a return request management database.

FIG. 73 is an explanatory diagram illustrating a configuration of an electronic money management database.

FIG. 74 is a flowchart showing a money information (temporary settlement money) issuance request processing procedure.

FIG. 75 is a flowchart showing a commodity order processing procedure.

FIG. 76 is a flowchart showing a procedure for receiving and returning goods.

FIG. 77 is a schematic configuration diagram showing an embodiment of a seller processing device.

FIG. 78 is an explanatory diagram illustrating a database configuration of a seller processing device.

FIG. 79 is an explanatory diagram illustrating the configuration of a product management database.

FIG. 80 is an explanatory diagram illustrating a configuration of a sales management database.

FIG. 81 is an explanatory diagram illustrating the configurations of a provisional settlement money management database and a main settlement request management database.

FIG. 82 is an explanatory diagram illustrating the configuration of a returns management database.

FIG. 83 is an explanatory diagram illustrating a configuration of an electronic content management database.

FIG. 84 is a flowchart (part 1) illustrating a procedure for receiving a product order, receiving money information, and performing a final settlement request.

FIG. 85 is a flowchart (part 2) illustrating a procedure for receiving an order for goods, receiving money information, and performing a final settlement request.

FIG. 86 is a flowchart showing an electronic content transmission processing procedure.

FIG. 87 is a flowchart showing the settlement site monitoring processing procedure.

FIG. 88 is a flowchart showing a returned goods reception processing procedure.

FIG. 89 is a flowchart showing a cancellation request acceptance processing procedure for returning electronic content.

FIG. 90 is a flowchart showing a cancellation processing procedure by return.

FIG. 91 is a flowchart (part 1) illustrating a procedure for monitoring a due date.

FIG. 92 is a flowchart (No. 2) illustrating the monitoring procedure of the execution deadline.

FIG. 93 is a flowchart (No. 1) showing a monitoring procedure of a performance deadline and a notification processing procedure at the time of default.

FIG. 94 is a flowchart (No. 2) showing the monitoring of the execution deadline and the notification processing procedure at the time of default.

FIG. 95 is a configuration diagram of an information processing device.

FIG. 96 is a diagram showing a recording medium.

[Explanation of symbols]

 1 Merchandise processing unit (merchandise purchaser) 2 Merchandise merchant processing unit (merchandise seller) 3 Purchaser transaction financial institution processing unit 3 'Financial institution processing unit 4 Seller transaction financial institution processing unit 5 Transaction management device 6, 6 ', 7 delivery processor

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁶ Identification symbol FIG07F 7/08 RS (72) Inventor Michihiro Morita 1-3-1, Kudanminami, Chiyoda-ku, Tokyo Inside Sakura Bank, Ltd. ( 72) Inventor Masanao Oki 1-3-1, Kudanminami, Chiyoda-ku, Tokyo, Japan Sakura Bank (72) Inventor Hiroaki Hirota 1-3-1, Kudanminami, 1-3-1, Kudanminami, Chiyoda-ku, Tokyo Japan

Claims (109)

[Claims] 1. A means for transferring money information including provisional settlement information, which is settled by a notice of confirmation that an item to be paid has been fulfilled, to a payee of the price, Based on confirmation of performance of the matter,
Means for making a final payment of the money information. 2. The temporary payment system according to claim 1, wherein the financial information including the temporary payment information is generated by an issuing financial institution, and the amount of the financial information is determined by the issuing financial institution. A temporary payment system which is frozen within the balance of the account of the payer and cannot be transferred until the final payment is made. 3. The temporary payment settlement system according to claim 1, wherein the monetary information including the temporary payment information includes payment target information indicating a payment target of the price. system. 4. The temporary payment system according to claim 3, wherein the payment target information is blind-signed with an encryption key that is not disclosed by an issuing financial institution. 5. The method according to claim 1, wherein the electronic money, which is monetary information having information for identifying whether or not provisional settlement information is included, is settled by a notice of confirmation that the item to be paid has been fulfilled. Electronic money comprising: means for transferring information first; and, for money information including the provisional settlement information, means for making a final settlement of the money information based on confirmation of fulfillment of the payment target. Payment system. 6. The temporary payment system according to claim 1, wherein the money information including the temporary payment information is stored in a portable storage medium. 7. The temporary payment settlement system according to claim 6, wherein said portable storage medium is issued to a payer from a terminal connected to an issuing financial institution. system. 8. The temporary payment settlement system according to claim 6, wherein the portable storage medium is applicable to a terminal connected to an issuing financial institution by a payee of the price. A means for transmitting a request for final settlement based on the temporary settlement information stored in the portable storage medium. 9. The temporary payment settlement system according to claim 8, wherein the terminal has means for collecting the portable storage medium after the payment destination of the payment requests the main settlement. A payment system for provisional payment. 10. The temporary payment settlement system according to claim 8, wherein the terminal prohibits reuse in the portable storage medium based on the normal completion of the final settlement request processing. , A provisional payment settlement system comprising: 11. The temporary payment settlement system according to claim 1, wherein: a means for storing a final settlement request from a payee of the price; and a means for storing a final settlement approval request from a payer. And a means for performing the main settlement based on the stored main settlement request and main settlement approval request. 12. The temporary payment system according to claim 11, wherein the final payment request includes information on a transfer request including a transfer destination of the payment. 13. The temporary payment settlement system according to claim 1 or 5, further comprising a transaction management device that relays transmission and reception of transaction information. 14. The temporary payment settlement system according to claim 13, wherein the transaction management device includes transaction information management means for storing transaction information with sender authentication information. system. 15. The temporary payment settlement system according to claim 13, wherein the transaction management device includes means for monitoring a transaction cancellation request from a payment destination of the payment. . 16. The settlement system for provisional payment according to claim 15, wherein the transaction management device substitutes for the payment destination of the payment if the cancellation request is not received from the payment destination of the payment within a predetermined period. And a means for making the cancellation request. 17. The temporary payment settlement system according to claim 13, wherein the transaction management device, when the item to be paid for the commodity relates to a commodity, a commodity recipient, after receiving the commodity, confirms the final settlement. A temporary payment settlement system comprising means for monitoring whether one of a request and a return request is performed. 18. The temporary payment settlement system according to claim 17, wherein the transaction management device, if one of the final settlement approval request and the return request is not made within a predetermined period of time, the transaction management device A payment system for provisional payment, comprising means for performing a payment approval request on behalf of the user. 19. The temporary payment settlement system according to claim 17, wherein the transaction management device has means for requesting cancellation of the transaction when a return procedure is performed. . 20. The temporary payment settlement system according to claim 13, wherein the transaction management device monitors at least one of a final settlement approval request and a return request, and the final settlement approval request is transmitted within a predetermined period. Means for sending the third party delivery proof information including the payment identifier related to the purchase of the product as authentication information, and making the final payment approval request. Make payment system. 21. The temporary payment settlement system according to claim 13, wherein the transaction management device sends third party return certificate information including a payment identifier related to the purchase of the product as authentication information, and requests a transaction cancellation. A provisional payment settlement system comprising means. 22. The temporary payment settlement system according to claim 1, wherein the item to be paid for is related to a product, and at least one of a purchaser and a recipient of the product is used to purchase the product. A provisional payment settlement system, further comprising means for sending third party return certificate information including a related payment identifier as authentication information and requesting cancellation of a transaction. 23. The temporary payment settlement system according to claim 1, wherein the payment destination is a means for monitoring at least one of a final settlement approval request and a return request, and the final settlement approval is performed within a predetermined period. Means for sending the third party delivery certification information including the payment identifier related to the product purchase as authentication information, and making the final payment approval request when one of the request and the return request is not made. A temporary payment settlement system. 24. A settlement system for provisional payment according to claim 21 or 22, wherein after returning the goods, means for monitoring a return complaint notification from one of the seller and the transaction management device; Means for suspending the cancellation processing of the transaction upon receipt of a return complaint notification. 25. The temporary payment settlement system according to claim 24, wherein when a return receipt notification is received from one of the seller and the transaction management apparatus, A temporary payment settlement system comprising means for immediately performing a cancellation process. 26. The settlement system for provisional payment according to claim 1, wherein a payer who transfers the money information including the provisional settlement information to a payee of the payment, and the payer that the payee of the payment performs. A payment system for provisional payment, characterized in that the person who checks the items to be paid is different. 27. The settlement system for provisional payment according to claim 1, wherein means for storing a final settlement request from a payee of the price, and final settlement from a confirmer who confirms a matter to be paid for the price. A provisional payment settlement system, further comprising: means for storing an approval request; and means for performing the main settlement based on the stored main settlement request and the main settlement approval request. 28. The temporary payment system according to claim 1, wherein the monetary information including the temporary payment information includes payment condition information indicating an execution deadline of a matter to be paid for the payment. Payment settlement system. 29. The settlement system for provisional payment according to claim 28, wherein if the item to be paid for is not fulfilled by the execution deadline of the item to be paid for, the payer of the price and A provisional payment settlement system, characterized in that one of the confirmers for confirming the items to be paid for the payment has means for sending the payment condition information as authentication information and requesting cancellation of the transaction. . 30. The settlement system for provisional payment according to claim 13, wherein the transaction management device monitors a due date of a payment target item included in the payment condition information, and Means for sending the payment condition information as authentication information and requesting cancellation of the transaction when the item to be paid is not fulfilled. 31. The settlement system for provisional payment according to claim 1, wherein the payee of payment is a means for monitoring an execution deadline of a payment target item included in payment condition information, and Means for notifying one of a payer of the price and a confirmer who confirms the matter of the payment target when the item to be paid is not fulfilled. Payment settlement system. 32. A cryptographic relay system having a transaction management device that relays transmission from a first party to a second party, wherein when the first party sends data to the second party,
Encrypting the data with a unique encryption key between the first party and the transaction management apparatus, and requesting the transaction management apparatus to transmit the data to the second party. Relay system. 33. The cryptographic relay system according to claim 32, wherein the transaction management device uses the data received from the first party by using a unique decryption key between the first party and the transaction management device. And a decryption means. 34. The cryptographic relay system according to claim 33, wherein the transaction management device transmits the decrypted data using a unique encryption key between the second party as the destination and the transaction management device. A cryptographic relay system comprising means for encrypting. 35. A delivery system comprising a processing device of a seller of a product, a processing device of at least one of a purchaser and a receiver of the product, and a delivery management device provided for a deliverer of the product. The delivery management device, based on a delivery request from the seller's processing device, means for storing delivery information, and when the product is delivered to the recipient, a receipt signature of the product and purchase of the product. Means for generating third party delivery proof information including the associated payment identifier. 36. A delivery system including a processing device of a seller of a product, a processing device of at least one of a purchaser and a receiver of the product, and a product delivery management device provided for a deliverer of the product. In the item delivery management device, based on a return delivery request from the recipient, means for storing return delivery information, a first third party including a signature of the recipient and a payment identifier related to product purchase Means for generating return certificate information. 37. The delivery system according to claim 36, further comprising a return delivery management device provided for a deliverer who returns the product, wherein the return delivery management device receives a return delivery request from the recipient. When the product is returned to the seller, a means for generating second third party return certificate information including the seller's receipt signature and the payment identifier in the return delivery information is provided. Delivery system. 38. The delivery system according to claim 35, claim 36, or claim 37, wherein the transaction relays at least a part of transaction information between the seller, the purchaser, the receiver, and the deliverer. Further comprising a management device, wherein the transaction management device is one of third party delivery certification information including the payment identifier, first third party return certification information, and second third party return certification information. A delivery system comprising means for storing 39. An electronic content sales system having at least a seller's processing device, a purchaser's processing device, and an intermediary transaction management device, wherein the transaction management device is sold by the seller's processing device. An electronic content sales system comprising: a management unit that manages a decryption key of an electronic content to be processed; and a unit that transmits to a processing device of the purchaser in response to a request from the processing device of the purchaser. 40. The electronic content sales system according to claim 39, wherein the transaction management device, when transmitting the decryption key to the processing device of the purchaser, performs the signature of the purchaser and the authentication of the transaction management device. With
An electronic content sales system comprising means for generating third-party witness information. 41. The electronic content sales system according to claim 39, wherein the transaction management device receives a notification from the processing device of the purchaser that the electronic content cannot be decrypted with a decryption key, Means for comparing the electronic content received from the processing device of (1) with the electronic content returned from the processing device of the purchaser. 42. The electronic content sales system according to claim 41, wherein said transaction management device includes means for decrypting with said decryption key when the electronic content matches. 43. The electronic content sales system according to claim 42, wherein the transaction management device encrypts the processing device of the seller with a unique encryption key between the transaction management device and the processing device of the seller. An electronic content sales system comprising: means for reclaiming the converted electronic content; and means for comparing the decrypted electronic content. 44. The electronic content sales system according to claim 43, wherein the transaction management device decrypts, if the electronic content matches, the decryption key transmitted to the purchaser's processing device as being defective. An electronic content sales system comprising means for retransmitting a key. 45. The electronic content sales system according to claim 43, wherein, when the electronic content does not match, the transaction management device determines that the electronic content passed to the purchaser's processing device has a defect and determines that the electronic content is defective. An electronic content sales system comprising means for notifying a processing device of a seller. 46. The electronic content sales system according to claim 41, wherein, when the electronic contents do not match, the transaction management device sends the electronic content received from the seller's processing device to the purchaser's processing device. An electronic content sales system comprising a resending means. 47. A transaction management device that mediates transmission from a first party to a second party, comprising: means for receiving data between the first party and the transaction management device using a unique encryption protocol; Means for transmitting data between the second party and the transaction management device using a unique encryption protocol. 48. A transaction management device which mediates settlement processing for provisional payment, which is settled by notification of confirmation that an item to be paid has been fulfilled, which is performed after a recipient of the product receives the product. Means for monitoring at least one of the final settlement approval request and the return request; and, if one of the final settlement approval request and the return request is not made within a predetermined period, the third party delivery proof information is used as authentication information. Means for sending the final settlement approval request as a proxy. 49. A transaction management device which mediates a provisional payment settlement process, which is settled by a notice of confirmation that an item to be paid has been fulfilled, and wherein the seller makes a cancellation request by return. Means for monitoring whether or not the cancellation request is made within a certain period of time, and means for sending third party return certificate information as authentication information and performing a cancellation request on behalf of the third party. Transaction management device. 50. A transaction management device for mediating the purchase and sale of electronic content, comprising: means for managing a decryption key of the electronic content which the seller encrypts and sends to the purchaser; means for sending the decryption key to the purchaser; Means for issuing certification information of three-party witnesses. 51. A transaction management device for mediating the purchase and sale of electronic content, means for determining whether or not the content received by the purchaser is defective, and notifying the purchaser when the content is determined to be defective. And a means for resending the decryption key to the purchaser when it is determined that the decryption key is defective. 52. A transaction management device, which is provided between a delivery management device provided to a deliverer of a product, a processing device of a seller, and a processing device of a purchaser and a receiver of the product, wherein: A means for receiving registration of the three-party delivery proof information, a first means for receiving registration of third-party return proof information for proving that a return request has occurred, and a second means for certifying that the seller has received the return Means for receiving registration of third-party return certificate information of the third party. 53. A terminal connected to a financial institution, comprising: a portable storage medium storing money information including provisional settlement information, which is settled by a notice of confirmation that a matter to be paid has been fulfilled; A terminal device comprising means for issuing. 54. A terminal connected to a financial institution, wherein a portable storage medium storing monetary information including provisional settlement information, which is settled by a notice of confirmation that the item to be paid has been fulfilled. A terminal for transmitting a final settlement request to a financial institution based on the request. 55. A terminal connected to a financial institution, comprising means for automatically recovering the portable storage medium after completion of the processing when the collection information is entered in the inserted portable storage medium. A terminal characterized by the above-mentioned. 56. A delivery management device provided for a product deliverer, comprising: means for storing product delivery information based on a product delivery request from a seller; and receiving the product when the product is delivered to a recipient. Means for generating third-party delivery proof information including one of a signature of a recipient's receipt and a signature of a proxy, and a payment identifier related to the purchase of the product. 57. The delivery management device according to claim 56, further comprising means for registering the third-party delivery certification information in the transaction management device. 58. The delivery management device according to claim 56, further comprising means for notifying the seller of the third-party delivery proof information after the product is delivered. 59. A delivery management device provided for a product deliverer, comprising: means for storing return delivery information based on a return delivery request from a receiver of the product; signature and proxy of the receiver who requested the return. Means for generating first third-party return certificate information including one of the signatures of the above and a payment identifier related to the purchase of the product. 60. The delivery management device according to claim 59, further comprising means for registering said first third-party return certificate information in a transaction management device. 61. The delivery management device according to claim 59, wherein when the return is delivered to a seller, a second third-party return including a receipt signature of the seller and a payment identifier related to the purchase of the product. A delivery management device further comprising means for generating certification information. 62. The delivery management device according to claim 61, further comprising means for registering the second third-party return certificate information in a transaction management device. 63. The delivery management device according to claim 59, further comprising means for issuing a return delivery acceptance receipt including a payment identifier related to the purchase of the product to the recipient. 64. A financial processing device provided in a financial institution, wherein a means for accepting a request for issuing financial information including provisional settlement information, which is settled by a notification of confirmation that a matter to be paid has been fulfilled, A means for managing the amount of the money information as an amount which is frozen within the balance of the account of the payer of the price and which cannot be transferred until the final settlement, and a means for issuing the money information including the provisional settlement information And a financial processing device. 65. The financial processing apparatus according to claim 64, further comprising means for writing payment target information indicating a payment target item in said money information. 66. The financial processing apparatus according to claim 65, wherein the money information transferred to the payee and the details of the fulfilled payment target are received, and the money information is written in the money information. Means for checking the validity of the payment target information and the details of the fulfilled payment target item. 67. The financial processing apparatus according to claim 64, further comprising: means for writing payment target information indicating a matter to be paid for the money in the money information; and means for blindly signing the payment target information. A financial processing device. 68. A financial processing device provided in a financial institution, comprising: means for receiving a transfer request for provisional settlement money from a payee; means for confirming whether or not a settlement approval request has been made; If the settlement is approved, means for performing one of transfer to the payee and transfer of electronic money based on the contents of the transfer request, and if the settlement is not approved, Means for storing transfer request information in a database. 69. A financial processing apparatus provided in a financial institution, comprising: means for receiving a final settlement approval request; and means for checking the validity of the final settlement approval request received. apparatus. 70. The financial processing apparatus according to claim 69, wherein when the contents of the final settlement approval request are correct, a means for confirming acceptance of the final settlement request from the payment destination, and A means for paying based on the contents of the transfer request when a transfer request has been made; and a means for issuing a notice urging the settlement request processing when the transfer request has not been made. A financial processing device characterized by the above-mentioned. 71. A financial processing apparatus provided in a financial institution, comprising: means for receiving a request for canceling provisional settlement; means for checking the validity of the received request for cancellation of provisional settlement. Financial processing equipment. 72. The financial processing apparatus according to claim 71, wherein said means for checking validity includes: first third party return certification information for certifying that a return request has occurred; Financial processing characterized by accepting and checking one of the second third-party return certificate information certifying receipt, and setting the number of mediation days if the checked third-party return certificate information is correct. apparatus. 73. In a financial processing device provided in a financial institution, if there is a means for receiving a request for cancellation of provisional settlement, a means for receiving a return complaint, Means for suspending the provisional settlement cancellation processing. 74. A payment processing device provided in a payer of the price issues an issuance request of monetary information including provisional payment information, which is settled by notification of confirmation that the item to be paid has been fulfilled. A payment processing device comprising means. 75. The payment processing device according to claim 74, further comprising means for requesting registration of payment target information indicating a payment target item for the money information including the provisional settlement information. A payment processor characterized by the following. 76. A payment processing device provided to a payer of payment, means for requesting a payment destination of the payment target item, and that the payment target item is performed. Means for transferring money information, including temporary settlement information, settled by the notification of the confirmation to the payee of the price. 77. The payment processing device according to claim 76, further comprising: means for making a final settlement approval request when the performance result is normal based on the confirmation of the performance of the payment target item. A payment processor characterized by the following. 78. The payment processing device according to claim 76, wherein, based on the confirmation of the content of the product which is the item to be paid for, if the content of the product is not normal, a means for requesting a return of the product. And a means for receiving third party return certification information certifying that the return request has been received, and a means for requesting cancellation of provisional settlement. 79. A sales management device provided for a seller of a product, a receiving unit for receiving a product order from a purchaser of the product, a receiving unit for receiving money information including provisional settlement information from the purchaser, Requesting means for performing a final settlement after the commodity has been sent to a recipient of the commodity. 80. The sales management device according to claim 79, wherein after the recipient receives the commodity, means for monitoring at least one of a final settlement approval request and a return request, and If one of the payment approval request and the return request is not made, the recipient sends third party delivery proof information certifying that the product has been received as authentication information, and the final payment approval request is A sales management device comprising: 81. The sales management device according to claim 79, wherein a means for receiving a notification of a cancellation request accompanying the return, a means for requesting cancellation of provisional settlement in response to the notification of the cancellation request, and a method for confirming the content of the received return. And a means for requesting a return claim if the return is not normal. 82. A receipt processing device provided to a recipient of a product, comprising means for making a final settlement approval request based on a receipt confirmation of the product sent from a seller if the product is normal. And receipt processing equipment. 83. The reception processing device according to claim 82, wherein, based on a receipt confirmation of the product sent from the seller,
In the case where it is not normal, there are provided a means for requesting a return of the product, a means for receiving third party return certificate information for certifying that the return request has been received, and a means for requesting cancellation of provisional settlement. And receipt processing equipment. 84. A payment processing device provided for one of a payer of a price and a confirmer for confirming a matter to be paid for, performing the matter to be paid for included in the payment condition information. Means for monitoring a time limit, and means for sending the payment condition information as authentication information and requesting cancellation of the transaction if the item to be paid for is not fulfilled within the performance time limit. A payment processing device. 85. A sales management device provided at a payment destination, wherein: a means for receiving a payment target item from the price payer; and wherein the payment target item is fulfilled. Means for receiving money information including provisional settlement information, which is settled by the notification of the confirmation, means for monitoring the execution deadline of the payment target item included in the payment condition information, and the payment target for the payment within the execution deadline Means for notifying one of the payer of the price and a confirmer who confirms the items to be paid for the payment when the item is not fulfilled. 86. A portable type, which stores money information including provisional settlement information, which is transferred to a payment destination and is settled by a notice of confirmation that the item to be paid has been fulfilled. Storage medium. 87. The portable storage medium according to claim 86, wherein the monetary information including the provisional settlement information includes payment target information indicating a payment target of the price. 88. A function of operating a computer, which is a transaction management device that mediates transmission from a first party to a second party, and receiving the data using a unique encryption protocol between the first party and the transaction management device. And a storage medium storing a program for causing the computer to implement a function of transmitting received data between the second party and the transaction management device using a unique encryption protocol. 89. A computer, which is a transaction management device for mediating settlement processing for provisional payment, is operated to monitor at least one of a final settlement approval request and a return request after the recipient of the product receives the product. If one of the final settlement approval request and the return request is not made within a certain period of time, the third party delivery certification information is sent as authentication information, and the final settlement approval request is performed on behalf of the customer. And a storage medium storing a program for causing the computer to realize the above. 90. A function of operating a computer, which is a transaction management device for mediating settlement processing of provisional payment, to monitor whether or not the seller makes a request for cancellation by return, and a function for receiving the cancellation request within a certain period of time. If not, a storage medium storing a program for transmitting the third-party return certificate information as authentication information and realizing the function of making the computer perform a cancellation request on behalf of the computer. 91. A function of managing a decryption key of an electronic content which a seller encrypts and sends to a purchaser by operating a computer which is a transaction management device for mediating the purchase and sale of electronic content, and A storage medium storing a program for causing the computer to realize a function of sending a key and a function of issuing certification information of a third party witness. 92. A function of operating a computer, which is a transaction management device for mediating the purchase and sale of electronic content, to determine whether or not the content received by the purchaser is defective, and if the content is determined to be defective, A storage medium storing a program for causing the computer to realize a function of notifying the purchaser and a function of retransmitting the decryption key to the purchaser when it is determined that the decryption key is defective. 93. A computer which is a transaction management device that mediates between a delivery management device provided to a product deliverer, a processing device of a seller, and at least one of a purchaser and a recipient of a product. , A function of receiving registration of third-party delivery proof information of the delivery management device, a function of receiving registration of first third-party return proof information certifying that a return request has occurred, and the seller A storage medium storing a program for causing the computer to realize a function of accepting registration of second third party return certificate information for certifying that the product has received a return. 94. The central processing unit and the input / output device of the terminal connected to the financial institution are operated, and the provisional settlement information to be settled by the notification of the confirmation that the item to be paid has been fulfilled is settled. A storage medium storing a program for causing the central processing unit and the input / output device to realize a function of issuing a portable storage medium storing money information including the same. 95. The central processing unit and the input / output device of the terminal connected to the financial institution are operated, and the provisional settlement information settled by the notification of the confirmation that the item to be paid has been fulfilled is settled. A storage medium storing a program for causing the central processing unit and the input / output device to realize a function of transmitting a request for final settlement to a financial institution based on a portable storage medium storing money information including the financial information. 96. When the collection information is entered in the inserted portable storage medium by operating the central processing unit and the input / output device of the terminal connected to the financial institution, after the processing is completed, the portable A storage medium storing a program for realizing the function of automatically collecting the storage medium in the central processing unit and the input / output device. 97. A function of storing a product delivery information based on a product delivery request from a seller by operating a computer as a delivery management device provided for a product deliverer, and delivering the product to a recipient. In this case, a program for causing the computer to realize a function of generating third-party delivery proof information including one of the receipt signature and the proxy signature of the recipient and a payment identifier related to the purchase of the product is stored. Storage medium. 98. A function of storing a return delivery information based on a return delivery request from a recipient of the product by operating a computer which is a delivery management device provided for a deliverer of the product, A storage medium storing a program for causing the computer to realize a function of generating third-party return certificate information including one of a signature of a recipient and a signature of a proxy and a payment identifier related to purchase of a product. 99. Operating a computer, which is a financial processing device provided in a financial institution, to perform a payment of money information including provisional payment information, which is settled by a notification of confirmation that a matter to be paid has been fulfilled. A function of receiving an issuance request, a function of transferring the balance of the account of the payer of the payment to a provisional settlement balance, and provisional settlement information settled by a notification of confirmation that the item to be paid for the payment has been fulfilled A storage medium storing a program for causing the computer to realize a function of issuing financial information including the function of issuing the authentication of the issuing financial institution. 100. Operating a computer, which is a financial processing device provided in a financial institution, to perform a payment of money information including provisional payment information, which is settled by a notification of confirmation that a matter to be paid has been fulfilled. A function for receiving a transfer request, a function for confirming whether or not a final settlement approval request has been made; and, if a final settlement approval has been made, a payment to the payee of the payment based on the contents of the transfer request. A storage medium storing a program for causing the computer to perform a function of performing one of a transfer and a transfer of electronic money, and a function of storing transfer request information in a database when the final settlement is not approved. 101. A computer, which is a financial processing device provided in a financial institution, is operated, and the financial information including the provisional settlement information is settled by the notification of the confirmation that the item to be paid has been fulfilled. A storage medium storing a program for causing the computer to realize a function of receiving a final settlement approval request and a function of checking the validity of the received final settlement approval request. 102. A computer, which is a financial processing device provided in a financial institution, is operated, and the financial information including the provisional settlement information is settled by the notification of the confirmation that the item to be paid has been fulfilled. A storage medium storing a program for causing the computer to realize a function of receiving a request for canceling provisional settlement and a function of checking the validity of the request for canceling provisional settlement. 103. A computer, which is a financial processing device provided in a financial institution, is operated, and the financial information including the provisional settlement information is settled by the notification of the confirmation that the item to be paid has been fulfilled. The computer realizes a function of accepting a request for cancellation of provisional settlement, a function of accepting a return complaint, and a function of suspending the cancellation processing of provisional settlement when there is a return claim corresponding to the request for cancellation of provisional settlement. A storage medium that stores programs. 104. A central processing unit and an input / output device, which are payment processing devices provided for the payer, are operated to settle the account according to a confirmation that the item to be paid has been fulfilled. And a storage medium storing a program for causing the computer to realize a function of requesting issuance of money information including provisional settlement information. 105. A function of operating a central processing unit and an input / output device, which are payment processing devices provided for the payer, and requesting a payee of the charge for items to be paid, and A storage medium storing a program for realizing, in the central processing unit and the input / output device, a function of transferring monetary information including provisional settlement information, which is settled by a notification of confirmation that an item to be paid has been fulfilled. . 106. A computer, which is a sales management device provided in the seller of the product, is operated to receive a product order from the purchaser of the product, and monetary information including provisional settlement information from the purchaser. A storage medium storing a program for causing the computer to realize a reception function of (1) and a request function for performing final payment after sending the product to a recipient. 107. A central processing unit and an input / output device, which are reception processing devices provided for a product receiver, are operated, and based on the receipt confirmation of the product sent from the seller, if the product is normal, A storage medium storing a program for causing the computer to realize a function of making a payment approval request. 108. A payment processor by operating a central processing unit and an input / output device which are payment processing devices provided for one of a payer and a confirmer who confirms items to be paid for the payment. A function of monitoring a performance deadline of the payment target item included in the information, and, if the payment target item is not performed within the performance deadline, sending the payment condition information as authentication information. A storage medium storing a program for causing the central processing unit and the input / output device to implement a function of requesting cancellation of a transaction. 109. A computer, which is a sales management device provided at a payment destination, is operated to receive a payment target item from the payment user, and a payment target item. The function of receiving money information including provisional settlement information, which is settled by the notification of confirmation that the payment has been performed, the function of monitoring the execution deadline of the payment target item included in the payment condition information, and the execution deadline If the item to be paid for is not fulfilled in the computer, the computer is provided with a function of notifying one of the payer of the price and a confirmer for confirming the item to be paid for the price. A storage medium that stores programs.