JP2002203193A

JP2002203193A - System and method for internet shopping and storage medium storing program for internet shopping

Info

Publication number: JP2002203193A
Application number: JP2000401580A
Authority: JP
Inventors: Takahide Watanabe; 貴英渡辺
Original assignee: NEC Corp
Current assignee: NEC Corp
Priority date: 2000-12-28
Filing date: 2000-12-28
Publication date: 2002-07-19

Abstract

PROBLEM TO BE SOLVED: To provide an Internet shopping system allowing payment on credit without any illegal use even if personal information is stolen in Internet shopping. SOLUTION: In this network system, a user terminal, a shop receiving order information from the user terminal, and a payment agency substitutionally performing settlement between a user of the user terminal and the shop are connected mutually via the Internet. In this system, hardware specific information of the user terminal used by the user is used as an individual identification of the user.

Description

DETAILED DESCRIPTION OF THE INVENTION

【０００１】[0001]

【発明の属する技術分野】本発明は、インターネットシ
ョッピングシステム、インターネットショッピング方法
およびインターネットショッピング用プログラムを記録
した記録媒体に関し、特に、不正利用されることなくク
レジット決済できるインターネットショッピングシステ
ム、インターネットショッピング方法およびインターネ
ットショッピング用プログラムを記録した記録媒体に関
する。BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an Internet shopping system, an Internet shopping method, and a recording medium on which an Internet shopping program is recorded. More particularly, the present invention relates to an Internet shopping system, an Internet shopping method, and an Internet that allow credit settlement without unauthorized use. The present invention relates to a recording medium on which a shopping program is recorded.

【０００２】[0002]

【従来の技術】従来からインターネットショッピングに
おける商品の決済方法として、クレジットカード番号を
利用した決済システムが用いられている。2. Description of the Related Art A settlement system using a credit card number has been conventionally used as a settlement method for commodities in Internet shopping.

【０００３】[0003]

【発明が解決しようとする課題】しかし、従来の技術で
は、クレジット番号等の個人情報を他人に盗用された場
合、容易に不正利用されるという問題点が生じていた。However, in the prior art, when personal information such as a credit number is stolen by another person, there has been a problem that the information is easily illicitly used.

【０００４】本発明の目的は、インターネットショッピ
ングにおいて、クレジット番号等の個人情報を他人に盗
用されても不正利用されることなくクレジット決済でき
るインターネットショッピングシステムを提供すること
にある。[0004] It is an object of the present invention to provide an Internet shopping system capable of performing a credit settlement without illegally using personal information such as a credit number even if the information is stolen by another person.

【０００５】[0005]

【課題を解決するための手段】本発明の第１のインター
ネットショッピングシステムは、利用者端末と、前記利
用者端末から注文情報を受け付ける店舗端末と、前記利
用者端末の利用者と前記店舗端末との決済を代行する決
済代行機関端末とがインターネットを介して相互に接続
されているネットワークシステムにおいて、前記利用者
が利用する前記利用者端末を特定できるハードウェア固
有情報を前記利用者の個人認証として利用することを特
徴とする。A first Internet shopping system according to the present invention comprises a user terminal, a shop terminal for receiving order information from the user terminal, a user of the user terminal and the shop terminal. In a network system in which a payment agency terminal that performs payment of the user is connected to each other via the Internet, hardware-specific information that can specify the user terminal used by the user is used as personal authentication of the user. It is characterized by using.

【０００６】本発明の第２のインターネットショッピン
グシステムは、利用者端末と、前記利用者端末から注文
情報を受け付ける店舗端末と、前記利用者端末の利用者
と前記店舗端末との決済を代行する決済代行機関端末と
がインターネットを介して相互に接続されているネット
ワークシステムにおいて、前記利用者端末は、前記利用
者を特定できる利用者情報と前記利用者が利用しようと
する前記店舗端末の店舗情報と自利用者端末を特定でき
るハードウェア固有情報を前記決済代行機関端末に送信
し、代行決済契約が成立した場合には、前記決済代行機
関端末からクレジット番号を受信し、前記決済代行機関
端末は、前記利用者端末から前記利用者情報と前記店舗
情報と前記ハードウェア固有情報を受信し、代行決済契
約を成立させる場合には、クレジット番号を生成し、前
記利用者情報、前記店舗情報、前記ハードウェア固有情
報および前記クレジット番号を代行決済契約情報として
記憶領域に記憶するとともに、前記利用者端末に前記ク
レジット番号を送信することを特徴とする。[0006] A second Internet shopping system according to the present invention comprises a user terminal, a store terminal for receiving order information from the user terminal, and a payment agent for performing payment between the user of the user terminal and the store terminal. In a network system in which the agency terminal is connected to each other via the Internet, the user terminal includes user information that can identify the user and store information of the store terminal that the user intends to use. Sending hardware specific information capable of identifying the user terminal to the payment agency terminal, and when a proxy settlement contract is established, receiving a credit number from the payment agency terminal, the payment agency terminal, When the user information, the store information, and the hardware-specific information are received from the user terminal and a substitute settlement contract is concluded. Generating a credit number, storing the user information, the store information, the hardware-specific information, and the credit number in a storage area as proxy settlement contract information, and transmitting the credit number to the user terminal. It is characterized by doing.

【０００７】本発明の第３のインターネットショッピン
グシステムは、第２のインターネットショッピングシス
テムにおいて、前記利用者端末は、前記店舗端末に前記
クレジット番号と前記注文情報と自利用者端末を特定で
きるハードウェア固有情報を送信し、前記店舗端末で受
注が可能であると判断された場合には、前記店舗端末か
ら受注が可能である旨を受信し、前記店舗端末は、前記
利用者端末から前記クレジット番号と前記注文情報と前
記ハードウェア固有情報を受信し、自店舗端末の店舗情
報とともに、前記決済代行機関端末に送信して代行決済
が可能かを問い合わせ、前記決済代行機関端末から代行
決済が可能な旨の通知を受信した場合には、受注が可能
である旨を前記利用者端末に送信し、前記決済代行機関
端末は、前記店舗端末から前記クレジット番号と前記ハ
ードウェア固有情報と前記店舗情報を受信し、受信した
前記クレジット番号、前記ハードウェア固有情報および
前記店舗情報と、前記記憶領域に記憶されている前記利
用者との前記代行決済契約情報とを比較することにより
代行決済が可能か判断し、可能な場合は前記店舗端末に
代行決済が可能である旨を送信することを特徴とする。[0007] A third Internet shopping system according to the present invention is the second Internet shopping system, wherein the user terminal has a unique hardware number capable of specifying the credit number, the order information, and the user terminal to the shop terminal. Sending information, if it is determined that an order can be received at the store terminal, it is received that the order can be received from the store terminal, the store terminal, from the user terminal and the credit number The order information and the hardware-specific information are received, and the store information of the own store terminal is transmitted to the settlement agency terminal to inquire whether the agency settlement is possible, and the fact that the agency settlement is possible from the settlement agency terminal. Is received, the fact that an order can be received is transmitted to the user terminal, and the payment agency terminal receives the Receiving the credit number, the hardware-specific information and the store information from the end, and receiving the credit number, the hardware-specific information and the store information, and the user stored in the storage area. It is characterized in that it is determined whether proxy settlement is possible by comparing with proxy settlement contract information, and if possible, the fact that proxy payment is possible is transmitted to the store terminal.

【０００８】本発明の第４のインターネットショッピン
グシステムは、利用者端末と、前記利用者端末から注文
情報を受け付ける店舗端末と、前記利用者端末の利用者
と前記店舗端末との決済を代行する決済代行機関端末と
がインターネットを介して相互に接続されているネット
ワークシステムにおいて、前記利用者端末は、前記利用
者を特定できる利用者情報と前記利用者が利用しようと
する前記店舗端末の店舗情報を前記決済代行機関端末に
送信し、前記決済代行機関端末からハードウェア認証用
ソフトを受信して記憶領域に格納するとともに前記ハー
ドウェア認証用ソフトを実行して自利用者端末を特定で
きるハードウェア固有情報を前記決済代行機関端末に送
信し、代行決済契約が成立した場合には、前記決済代行
機関端末からクレジット番号を受信し、前記決済代行機
関端末は、前記利用者端末から前記利用者情報と前記店
舗情報を受信して前記利用者端末に前記ハードウェア認
証用ソフトを送信して前記利用者端末から前記ハードウ
ェア固有情報を受信し、代行決済契約を成立させる場合
には、クレジット番号を生成し、前記利用者情報、前記
店舗情報、前記ハードウェア固有情報および前記クレジ
ット番号を代行決済契約情報として記憶領域に記憶する
とともに、前記利用者端末に前記クレジット番号を送信
することを特徴とする。[0008] A fourth Internet shopping system of the present invention is a user terminal, a store terminal for receiving order information from the user terminal, and a payment agent for performing payment between the user of the user terminal and the store terminal. In a network system in which agency terminals are connected to each other via the Internet, the user terminal transmits user information that can identify the user and store information of the store terminal that the user intends to use. A hardware-specific device that transmits to the payment agent terminal, receives hardware authentication software from the payment agent terminal, stores the software in a storage area, and executes the hardware authentication software to identify a user terminal. The information is transmitted to the payment agent terminal, and when the agent settlement contract is established, the payment agent terminal Receiving the user information and the store information from the user terminal, transmitting the hardware authentication software to the user terminal, and transmitting the hardware authentication software to the user terminal. When the hardware specific information is received from the user and a proxy settlement contract is concluded, a credit number is generated, and the user information, the store information, the hardware specific information, and the credit number are used as proxy settlement contract information. The credit number is stored in a storage area and the credit number is transmitted to the user terminal.

【０００９】本発明の第５のインターネットショッピン
グシステムは、第４のインターネットショッピングシス
テムにおいて、前記利用者端末は、前記店舗端末に前記
クレジット番号と前記注文情報を送信し、前記店舗端末
から前記ハードウェア認証用ソフトの実行要求を受けて
前記記憶領域に格納されている前記ハードウェア認証用
ソフトを実行して自利用者端末を特定できるハードウェ
ア固有情報を前記店舗端末に送信し、前記店舗端末で受
注が可能であると判断された場合には、前記店舗端末か
ら受注が可能である旨を受信し、前記店舗端末は、前記
利用者端末から前記クレジット番号と前記注文情報を受
信した場合は、前記利用者端末に前記ハードウェア認証
用ソフトの実行要求をして前記利用者端末から前記利用
者端末のハードウェア固有情報を受信し、自店舗端末の
店舗情報とともに、前記決済代行機関端末に送信して代
行決済が可能かを問い合わせ、前記決済代行機関端末か
ら代行決済が可能な旨の通知を受信した場合には、受注
が可能である旨を前記利用者端末に送信し、前記決済代
行機関端末は、前記店舗端末から前記クレジット番号と
前記ハードウェア固有情報と前記店舗情報を受信し、受
信した前記クレジット番号、前記ハードウェア固有情報
および前記店舗情報と、前記記憶領域に記憶されている
前記利用者との前記代行決済契約情報とを比較すること
により代行決済が可能か判断し、可能な場合は前記店舗
端末に代行決済が可能である旨を送信することを特徴と
する。According to a fifth Internet shopping system of the present invention, in the fourth Internet shopping system, the user terminal transmits the credit number and the order information to the store terminal, and the hardware terminal transmits the hardware number to the store terminal. Upon receiving the execution request for the authentication software, the hardware authentication software stored in the storage area is executed to transmit hardware-specific information capable of identifying the user terminal to the shop terminal, and the shop terminal transmits If it is determined that an order can be received, a notification that an order can be received is received from the store terminal, and the store terminal receives the credit number and the order information from the user terminal, A request for execution of the hardware authentication software is issued to the user terminal, and the hardware of the user terminal is transmitted from the user terminal. (A) When the unique information is received, and the store information of the own store terminal is transmitted to the settlement agency terminal to inquire whether the agency settlement is possible, and a notification that the agency settlement is possible is received from the settlement agency terminal. Transmits to the user terminal that an order can be received, the payment agency terminal receives the credit number, the hardware-specific information, and the store information from the store terminal, and receives the received credit. Number, the hardware-specific information and the store information, and the proxy settlement contract information with the user stored in the storage area to determine whether proxy payment is possible. A feature is transmitted to the store terminal that proxy payment is possible.

【００１０】本発明の第１の決済代行機関端末は、利用
者端末と、前記利用者端末から注文情報を受け付ける店
舗端末と、前記利用者端末の利用者と前記店舗端末との
決済を代行する決済代行機関端末とがインターネットを
介して相互に接続されているネットワークシステムにお
いて、前記利用者端末から前記利用者を特定できる利用
者情報と前記利用者が利用しようとする前記店舗端末の
店舗情報と前記利用者端末を特定できるハードウェア固
有情報を受信し、代行決済契約を成立させる場合には、
クレジット番号を生成し、前記利用者情報、前記店舗情
報、前記ハードウェア固有情報および前記クレジット番
号を代行決済契約情報として記憶領域に記憶するととも
に、前記利用者端末に前記クレジット番号を送信する手
段を備えたことを特徴とする。[0010] A first settlement agency terminal of the present invention acts as a user terminal, a store terminal for receiving order information from the user terminal, and performs settlement between the user of the user terminal and the store terminal. In a network system in which the payment agency terminal is connected to each other via the Internet, user information that can identify the user from the user terminal and store information of the store terminal that the user intends to use, When receiving hardware-specific information capable of identifying the user terminal and establishing a proxy settlement contract,
Means for generating a credit number, storing the user information, the store information, the hardware-specific information, and the credit number in a storage area as proxy settlement contract information, and transmitting the credit number to the user terminal. It is characterized by having.

【００１１】本発明の第２の決済代行機関端末は、第１
の決済代行機関端末において、前記決済代行機関端末
は、前記店舗端末から前記クレジット番号と前記ハード
ウェア固有情報と前記店舗情報を受信し、受信した前記
クレジット番号、前記ハードウェア固有情報および前記
店舗情報と、前記記憶領域に記憶されている前記利用者
との前記代行決済契約情報とを比較することにより代行
決済が可能か判断し、可能な場合は前記店舗端末に代行
決済が可能である旨を送信する手段を備えたことを特徴
とする。[0011] The second settlement agency terminal of the present invention comprises:
In the settlement agency terminal, the settlement agency terminal receives the credit number, the hardware-specific information, and the store information from the store terminal, and receives the received credit number, the hardware-specific information, and the store information. And the proxy settlement contract information with the user stored in the storage area is compared to determine whether proxy payment is possible, and, if possible, to the effect that proxy payment is possible to the store terminal. A transmission means is provided.

【００１２】本発明の第３の決済代行機関端末は、利用
者端末と、前記利用者端末から注文情報を受け付ける店
舗端末と、前記利用者端末の利用者と前記店舗端末との
決済を代行する決済代行機関端末とがインターネットを
介して相互に接続されているネットワークシステムにお
いて、前記利用者端末から前記利用者を特定できる利用
者情報と前記利用者が利用しようとする前記店舗端末の
店舗情報を受信して前記利用者端末に前記ハードウェア
認証用ソフトを送信して前記利用者端末から前記利用者
端末を特定できるハードウェア固有情報を受信し、代行
決済契約を成立させる場合には、クレジット番号を生成
し、前記利用者情報、前記店舗情報、前記ハードウェア
固有情報および前記クレジット番号を代行決済契約情報
として記憶領域に記憶するとともに、前記利用者端末に
前記クレジット番号を送信する手段を備えたことを特徴
とする。A third settlement agency terminal of the present invention acts as a user terminal, a store terminal for receiving order information from the user terminal, and performs settlement between the user of the user terminal and the store terminal. In a network system in which a payment agent terminal is connected to each other via the Internet, user information that can identify the user from the user terminal and store information of the store terminal that the user intends to use is stored. When receiving and transmitting the hardware authentication software to the user terminal and receiving hardware specific information capable of identifying the user terminal from the user terminal and establishing a proxy settlement contract, a credit number And stores the user information, the store information, the hardware-specific information, and the credit number in a storage area as proxy settlement contract information. While 憶, characterized by comprising means for transmitting the credit card number to the user terminal.

【００１３】本発明の第４の決済代行機関端末は、第３
の決済代行機関端末において、前記決済代行機関端末
は、前記店舗端末から前記クレジット番号と前記ハード
ウェア固有情報と前記店舗情報を受信し、受信した前記
クレジット番号、前記ハードウェア固有情報および前記
店舗情報と、前記記憶領域に記憶されている前記利用者
との前記代行決済契約情報とを比較することにより代行
決済が可能か判断し、可能な場合は前記店舗端末に代行
決済が可能である旨を送信する手段を備えたことを特徴
とする。[0013] A fourth payment agency terminal of the present invention is a third payment agency terminal.
In the settlement agency terminal, the settlement agency terminal receives the credit number, the hardware-specific information, and the store information from the store terminal, and receives the received credit number, the hardware-specific information, and the store information. And the proxy settlement contract information with the user stored in the storage area is compared to determine whether proxy payment is possible, and, if possible, to the effect that proxy payment is possible to the store terminal. A transmission means is provided.

【００１４】本発明の第１の店舗端末は、利用者端末
と、前記利用者端末から注文情報を受け付ける店舗端末
と、前記利用者端末の利用者と前記店舗端末との決済を
代行する決済代行機関端末とがインターネットを介して
相互に接続されているネットワークシステムにおいて、
前記利用者端末から前記クレジット番号と前記注文情報
と前記利用者端末を特定できるハードウェア固有情報を
受信し、自店舗端末の店舗情報とともに、前記決済代行
機関端末に送信して代行決済が可能かを問い合わせ、前
記決済代行機関端末から代行決済が可能な旨の通知を受
信した場合には、受注が可能である旨を前記利用者端末
に送信する手段を備えたことを特徴とする。[0014] The first store terminal of the present invention is a user terminal, a store terminal for receiving order information from the user terminal, and a payment agent for performing payment between the user of the user terminal and the store terminal. In a network system in which institution terminals are interconnected via the Internet,
Whether the credit number, the order information, and the hardware-specific information that can identify the user terminal are received from the user terminal and transmitted to the settlement agency terminal together with the store information of the own store terminal, so that proxy payment is possible. And a means for transmitting to the user terminal that an order can be received when a notification that proxy payment is possible is received from the payment agency terminal.

【００１５】本発明の第２の店舗端末は、第１の店舗端
末において、利用者端末と、前記利用者端末から注文情
報を受け付ける店舗端末と、前記利用者端末の利用者と
前記店舗端末との決済を代行する決済代行機関端末とが
インターネットを介して相互に接続されているネットワ
ークシステムにおいて、前記利用者端末から前記クレジ
ット番号と前記注文情報を受信した場合は、前記利用者
端末に前記ハードウェア認証用ソフトの実行要求をして
前記利用者端末から前記利用者端末を特定できるハード
ウェア固有情報を受信し、自店舗端末の店舗情報ととも
に、前記決済代行機関端末に送信して代行決済が可能か
を問い合わせ、前記決済代行機関端末から代行決済が可
能な旨の通知を受信した場合には、受注が可能である旨
を前記利用者端末に送信する手段を備えたことを特徴と
する。[0015] The second store terminal of the present invention is the first store terminal, wherein a user terminal, a store terminal for receiving order information from the user terminal, a user of the user terminal and the store terminal. In a network system in which a payment agent terminal that performs payment of the credit agent and the order information is received from the user terminal in a network system interconnected via the Internet, the user terminal receives the hardware Hardware authenticating software that requests the execution of a software for software authentication and receives from the user terminal the hardware-specific information that can identify the user terminal, and transmits the same to the payment agency terminal together with the store information of the own store terminal, whereby the proxy payment is performed. Inquiring whether it is possible, and when receiving a notification from the payment agency terminal that the agency payment is possible, the user terminal is informed that an order can be received. Characterized by comprising means for transmitting.

【００１６】本発明の第１のインターネットショッピン
グ方法は、利用者端末と、前記利用者端末から注文情報
を受け付ける店舗端末と、前記利用者端末の利用者と前
記店舗端末との決済を代行する決済代行機関端末とがイ
ンターネットを介して相互に接続されているネットワー
クシステムにおいて、前記利用者が利用する前記利用者
端末を特定できるハードウェア固有情報を前記利用者の
個人認証として利用することを特徴とする。[0016] A first Internet shopping method of the present invention is a user terminal, a store terminal for receiving order information from the user terminal, and a payment for performing a payment between the user of the user terminal and the store terminal. In a network system in which the agency terminal and the agency terminal are connected to each other via the Internet, hardware specific information that can identify the user terminal used by the user is used as personal authentication of the user. I do.

【００１７】本発明の第２のインターネットショッピン
グ方法は、利用者端末と、前記利用者端末から注文情報
を受け付ける店舗端末と、前記利用者端末の利用者と前
記店舗端末との決済を代行する決済代行機関端末とがイ
ンターネットを介して相互に接続されているネットワー
クシステムにおいて、前記利用者端末は、前記利用者を
特定できる利用者情報と前記利用者が利用しようとする
前記店舗端末の店舗情報と自利用者端末を特定できるハ
ードウェア固有情報を前記決済代行機関端末に送信し、
前記決済代行機関端末は、前記利用者端末から前記利用
者情報と前記店舗情報と前記ハードウェア固有情報を受
信し、代行決済契約を成立させる場合には、クレジット
番号を生成し、前記クレジット番号、前記ハードウェア
固有情報、前記利用者情報および前記店舗情報を代行決
済契約情報として記憶領域に記憶するとともに、前記利
用者端末に前記クレジット番号を送信し、前記利用者端
末は、前記決済代行機関端末からクレジット番号を受信
することを特徴とするインターネットショッピング方
法。According to a second Internet shopping method of the present invention, there is provided a user terminal, a store terminal for receiving order information from the user terminal, and a payment for performing a payment between the user of the user terminal and the store terminal. In a network system in which the agency terminal is connected to each other via the Internet, the user terminal includes user information that can identify the user and store information of the store terminal that the user intends to use. Transmitting hardware specific information capable of identifying the user terminal to the payment agency terminal,
The payment agency terminal receives the user information, the store information, and the hardware-specific information from the user terminal, generates a credit number if a proxy payment contract is established, generates the credit number, The hardware-specific information, the user information and the store information are stored in a storage area as agency settlement contract information, and the credit number is transmitted to the user terminal. Internet shopping method, characterized by receiving a credit number from.

【００１８】本発明の第３のインターネットショッピン
グ方法は、第２のインターネットショッピング方法にお
いて、前記利用者端末は、前記店舗端末に前記クレジッ
ト番号と前記注文情報と自利用者端末を特定できるハー
ドウェア固有情報を送信し、前記店舗端末は、前記利用
者端末から前記クレジット番号と前記注文情報と前記ハ
ードウェア固有情報を受信し、受信した前記クレジット
番号と前記ハードウェア固有情報、並びに自店舗端末の
店舗情報を前記決済代行機関端末に送信して代行決済が
可能かを問い合わせ、前記決済代行機関端末は、前記店
舗端末から前記クレジット番号と前記ハードウェア固有
情報と前記店舗情報を受信し、受信した前記クレジット
番号、前記ハードウェア固有情報および前記店舗情報
と、前記記憶領域に記憶されている前記利用者との前記
代行決済契約情報とを比較することにより代行決済が可
能か判断し、可能な場合は前記店舗端末に代行決済が可
能である旨を送信し、前記店舗端末は、前記決済代行機
関端末から代行決済が可能な旨の通知を受信した場合に
は、受注が可能である旨を前記利用者端末に送信し、前
記利用者端末は、前記店舗端末から受注が可能である旨
を受信することを特徴とする。According to a third Internet shopping method of the present invention, in the second Internet shopping method, the user terminal is provided with a unique hardware number capable of specifying the credit number, the order information, and the user terminal in the store terminal. Transmitting information, the store terminal receives the credit number, the order information, and the hardware specific information from the user terminal, and receives the received credit number, the hardware specific information, and the store of the own store terminal. Sends information to the payment agency terminal, asks whether proxy payment is possible, and the payment agency terminal receives the credit number, the hardware-specific information, and the store information from the store terminal, and The credit number, the hardware-specific information, the store information, and the storage area By comparing the stored substitute settlement contract information with the user, it is determined whether substitute settlement is possible, and if possible, the fact that substitute settlement is possible is transmitted to the store terminal, and the store terminal is notified. When receiving a notification from the settlement agency terminal that agency settlement is possible, transmits to the user terminal that an order can be received, and the user terminal receives an order from the store terminal. It is characterized in that it is received that it is possible.

【００１９】本発明の第４のインターネットショッピン
グ方法は、利用者端末と、前記利用者端末から注文情報
を受け付ける店舗端末と、前記利用者端末の利用者と前
記店舗端末との決済を代行する決済代行機関端末とがイ
ンターネットを介して相互に接続されているネットワー
クシステムにおいて、前記利用者端末は、前記利用者を
特定できる利用者情報と前記利用者が利用しようとする
前記店舗端末の店舗情報を前記決済代行機関端末に送信
し、前記決済代行機関端末は、前記利用者端末から前記
利用者情報と前記店舗情報を受信するとともに、前記利
用者端末に前記ハードウェア認証用ソフトを送信し、前
記利用者端末は、前記決済代行機関端末からハードウェ
ア認証用ソフトを受信して記憶領域に格納するととも
に、前記ハードウェア認証用ソフトを実行して自利用者
端末を特定できるハードウェア固有情報を前記決済代行
機関端末に送信し、前記決済代行機関端末は、前記利用
者端末から前記ハードウェア固有情報を受信し、代行決
済契約を成立させる場合には、クレジット番号を生成
し、前記利用者情報、前記店舗情報、前記ハードウェア
固有情報および前記クレジット番号を代行決済契約情報
として記憶領域に記憶するとともに、前記利用者端末に
前記クレジット番号を送信し、前記利用者端末は、前記
決済代行機関端末からクレジット番号を受信することを
特徴とする。[0019] A fourth Internet shopping method of the present invention is a user terminal, a store terminal for receiving order information from the user terminal, and a payment agent for performing payment between the user of the user terminal and the store terminal. In a network system in which agency terminals are connected to each other via the Internet, the user terminal transmits user information that can identify the user and store information of the store terminal that the user intends to use. Transmitting to the payment agent terminal, the payment agent terminal receives the user information and the store information from the user terminal, and transmits the hardware authentication software to the user terminal, The user terminal receives the software for hardware authentication from the payment agency terminal, stores the software in the storage area, and stores the software in the storage area. Executing the authentication software to transmit hardware specific information capable of identifying the user terminal to the payment agent terminal, the payment agent terminal receiving the hardware specific information from the user terminal, When a settlement contract is concluded, a credit number is generated, and the user information, the store information, the hardware-specific information and the credit number are stored in a storage area as proxy settlement contract information, and the user terminal Wherein the user terminal receives the credit number from the payment agency terminal.

【００２０】本発明の第５のインターネットショッピン
グ方法は、第４のインターネットショッピング方法にお
いて、前記利用者端末は、前記店舗端末に前記クレジッ
ト番号と前記注文情報を送信し、前記店舗端末は、前記
利用者端末から前記クレジット番号と前記注文情報を受
信するとともに、前記利用者端末に前記ハードウェア認
証用ソフトの実行要求を行い、前記利用者端末は、前記
店舗端末から前記ハードウェア認証用ソフトの実行要求
を受けて前記記憶領域に格納されている前記ハードウェ
ア認証用ソフトを実行して自利用者端末を特定できるハ
ードウェア固有情報を前記店舗端末に送信し、前記店舗
端末は、前記利用者端末から前記利用者端末のハードウ
ェア固有情報を受信し、自店舗端末の店舗情報ととも
に、前記決済代行機関端末に送信して代行決済が可能か
を問い合わせ、前記決済代行機関端末は、前記店舗端末
から前記クレジット番号と前記ハードウェア固有情報と
前記店舗情報を受信し、受信した前記クレジット番号、
前記ハードウェア固有情報および前記店舗情報と、前記
記憶領域に記憶されている前記利用者との前記代行決済
契約情報とを比較することにより代行決済が可能か判断
し、可能な場合は前記店舗端末に代行決済が可能である
旨を送信し、前記店舗端末は、前記決済代行機関端末か
ら代行決済が可能な旨の通知を受信した場合には、受注
が可能である旨を前記利用者端末に送信し、前記利用者
端末は、前記店舗端末から受注が可能である旨を受信す
ることを特徴とする。According to a fifth Internet shopping method of the present invention, in the fourth Internet shopping method, the user terminal transmits the credit number and the order information to the store terminal, and the store terminal transmits the credit card. Receiving the credit number and the order information from the user terminal, and making an execution request of the hardware authentication software to the user terminal, wherein the user terminal executes the hardware authentication software from the store terminal. Upon receiving the request, the hardware authentication software stored in the storage area is executed to transmit hardware-specific information capable of identifying the own user terminal to the store terminal, and the store terminal transmits the user terminal Receives the hardware-specific information of the user terminal from Query whether it is possible to substitute the settlement was sent to the terminal, said the settlement agency terminal receives the shop the shop information and the credit card number and the hardware-specific information from the terminal, received the credit card number,
The hardware specific information and the store information are compared with the proxy settlement contract information with the user stored in the storage area to determine whether proxy payment is possible, and if possible, the store terminal The store terminal transmits to the user terminal that the agent terminal can receive an order when the store terminal receives a notification from the payment agent terminal that the agent agent can perform the agent payment. The user terminal transmits the information that the order can be received from the store terminal.

【００２１】本発明の第１の記録媒体は、利用者端末
と、前記利用者端末から注文情報を受け付ける店舗端末
と、前記利用者端末の利用者と前記店舗端末との決済を
代行する決済代行機関端末とがインターネットを介して
相互に接続されているネットワークシステムにおいて、
前記決済代行機関端末に、前記利用者端末から前記利用
者を特定できる利用者情報と前記利用者が利用しようと
する前記店舗端末の店舗情報と前記利用者端末を特定で
きるハードウェア固有情報を受信し、代行決済契約を成
立させる場合には、クレジット番号を生成し、前記利用
者情報、前記店舗情報、前記ハードウェア固有情報およ
び前記クレジット番号を代行決済契約情報として記憶領
域に記憶するとともに、前記利用者端末に前記クレジッ
ト番号を送信する処理を実行させるプログラムを記録す
る。[0021] The first recording medium of the present invention is a user terminal, a store terminal for receiving order information from the user terminal, and a payment agent for performing payment between the user of the user terminal and the store terminal. In a network system in which institution terminals are interconnected via the Internet,
The payment agency terminal receives user information that can identify the user from the user terminal, store information of the store terminal that the user wants to use, and hardware-specific information that can identify the user terminal. Then, when a proxy settlement contract is made, a credit number is generated, and the user information, the store information, the hardware-specific information, and the credit number are stored in a storage area as proxy settlement contract information, and A program for causing the user terminal to execute the process of transmitting the credit number is recorded.

【００２２】本発明の第２の記録媒体は、第１の記録媒
体において、前記店舗端末に、前記利用者端末から前記
クレジット番号と前記注文情報と前記ハードウェア固有
情報を受信し、自店舗端末の店舗情報とともに、前記決
済代行機関端末に送信して代行決済が可能かを問い合わ
せ、前記決済代行機関端末から代行決済が可能な旨の通
知を受信した場合には、受注が可能である旨を前記利用
者端末に送信する処理と、前記決済代行機関端末に、前
記店舗端末から前記クレジット番号と前記ハードウェア
固有情報と前記店舗情報を受信し、受信した前記クレジ
ット番号、前記ハードウェア固有情報および前記店舗情
報と、前記記憶領域に記憶されている前記利用者との前
記代行決済契約情報とを比較することにより代行決済が
可能か判断し、可能な場合は前記店舗端末に代行決済が
可能である旨を送信する処理を実行させるプログラムを
記録する。The second recording medium of the present invention is the first recording medium, wherein the store terminal receives the credit number, the order information, and the hardware-specific information from the user terminal, Along with the store information, it is sent to the settlement agency terminal to inquire whether the agency settlement is possible, and if a notification that the agency settlement is possible is received from the settlement agency terminal, it is notified that an order can be accepted. The process of transmitting to the user terminal, the payment agent terminal receives the credit number, the hardware specific information and the store information from the store terminal, and receives the received credit number, the hardware specific information and By comparing the store information with the proxy settlement contract information with the user stored in the storage area, it is determined whether proxy settlement is possible, If such records a program for executing a process of transmitting a message indicating a possible proxy settlement to the shop terminal.

【００２３】本発明の第３の記録媒体は、利用者端末
と、前記利用者端末から注文情報を受け付ける店舗端末
と、前記利用者端末の利用者と前記店舗端末との決済を
代行する決済代行機関端末とがインターネットを介して
相互に接続されているネットワークシステムにおいて、
前記決済代行機関端末に、前記利用者端末から前記利用
者を特定できる利用者情報と前記利用者が利用しようと
する前記店舗端末の店舗情報を受信して前記利用者端末
に前記ハードウェア認証用ソフトを送信して前記利用者
端末から前記利用者端末を特定できるハードウェア固有
情報を受信し、代行決済契約を成立させる場合には、ク
レジット番号を生成し、前記利用者情報、前記店舗情
報、前記ハードウェア固有情報および前記クレジット番
号を代行決済契約情報として記憶領域に記憶するととも
に、前記利用者端末に前記クレジット番号を送信する処
理を実行させるプログラムを記録する。A third recording medium according to the present invention includes a user terminal, a store terminal for receiving order information from the user terminal, and a payment agent for performing a payment between the user of the user terminal and the store terminal. In a network system in which institution terminals are interconnected via the Internet,
The settlement agent terminal receives user information that can identify the user from the user terminal and store information of the store terminal that the user intends to use, and transmits the hardware authentication information to the user terminal. When transmitting software and receiving hardware-specific information capable of identifying the user terminal from the user terminal, and establishing a proxy settlement contract, a credit number is generated, and the user information, the store information, The hardware specific information and the credit number are stored in a storage area as proxy settlement contract information, and a program for executing a process of transmitting the credit number to the user terminal is recorded.

【００２４】本発明の第４の記録媒体は、第３の記録媒
体において、前記店舗端末に、前記利用者端末から前記
クレジット番号と前記注文情報を受信した場合は、前記
利用者端末に前記ハードウェア認証用ソフトの実行要求
をして前記利用者端末から前記ハードウェア固有情報を
受信し、自店舗端末の店舗情報とともに、前記決済代行
機関端末に送信して代行決済が可能かを問い合わせ、前
記決済代行機関端末から代行決済が可能な旨の通知を受
信した場合には、受注が可能である旨を前記利用者端末
に送信する処理と、前記決済代行機関端末に、前記店舗
端末から前記クレジット番号と前記ハードウェア固有情
報と前記店舗情報を受信し、受信した前記クレジット番
号、前記ハードウェア固有情報および前記店舗情報と、
前記記憶領域に記憶されている前記利用者との前記代行
決済契約情報とを比較することにより代行決済が可能か
判断し、可能な場合は前記店舗端末に代行決済が可能で
ある旨を送信する処理を実行させるプログラムを記録す
る。[0024] The fourth recording medium of the present invention is the third recording medium, wherein when the store terminal receives the credit number and the order information from the user terminal, the user terminal stores the hard disk. Receiving the hardware-specific information from the user terminal by executing an execution request for the software for software authentication, and transmitting the same to the payment agent terminal as to the store information of the own store terminal, and inquiring whether the agency payment is possible; A process of transmitting to the user terminal that an order can be received when receiving a notification that the agency payment is possible from the payment agency terminal; and a process of transmitting the credit from the store terminal to the payment agency terminal. Receiving the number, the hardware specific information and the store information, the received credit number, the hardware specific information and the store information,
By comparing the agency settlement contract information with the user stored in the storage area, it is determined whether the agency settlement is possible, and if possible, the fact that the agency settlement is possible is transmitted to the store terminal. Record the program that executes the process.

【００２５】[0025]

【発明の実施の形態】次に、本発明について図面を参照
して詳細に説明する。Next, the present invention will be described in detail with reference to the drawings.

【００２６】まず、本発明の第１の実施の形態について
詳細に説明する。First, the first embodiment of the present invention will be described in detail.

【００２７】図１を参照すると、本発明の第１の実施の
形態は、利用者端末１００と、決済代行機関２００と、
店舗３００とから構成されている。これらは、プログラ
ム制御により動作するコンピュータであり、インターネ
ット等のネットワーク４００を介して相互に接続されて
いる。Referring to FIG. 1, a first embodiment of the present invention comprises a user terminal 100, a settlement agency 200,
And a store 300. These are computers that operate under program control and are interconnected via a network 400 such as the Internet.

【００２８】次に、図１〜図３を参照して本実施の形態
の全体の動作について詳細に説明する。Next, the overall operation of the present embodiment will be described in detail with reference to FIGS.

【００２９】図２は、利用者が利用者端末１００を用い
て決済代行機関２００と代行決済契約を行う際の処理の
流れを示したものである。FIG. 2 shows a flow of processing when a user makes a proxy settlement contract with the payment agency 200 using the user terminal 100.

【００３０】まず、利用者は利用者端末１００を用い
て、利用したい店舗３００の店舗情報と利用者情報とを
決済代行機関２００に送信する（ステップＡ１）。例え
ば、店舗情報としては、店舗名等の店舗を識別できる情
報があり、利用者情報としては、利用者名、生年月日等
の利用者を識別できる情報がある。First, the user uses the user terminal 100 to transmit the store information of the store 300 to be used and the user information to the settlement agency 200 (step A1). For example, the store information includes information that can identify a store such as a store name, and the user information includes information that can identify a user such as a user name and a date of birth.

【００３１】次に、決済代行機関２００は、店舗情報を
利用者端末１００から受信するとともに記憶し、店舗情
報一覧テーブルを参照し、代行決済が可能な店舗である
か否かを調べる（ステップＡ２）。店舗情報一覧テーブ
ルには、代行決済契約が可能な店舗の店舗情報が予め記
憶されている。Next, the settlement agency 200 receives and stores the shop information from the user terminal 100, and refers to the shop information list table to check whether or not the shop is capable of agency settlement (step A2). ). The store information list table stores in advance store information of stores for which a substitute settlement contract is possible.

【００３２】決済代行機関２００は、利用者端末１００
から受信した店舗情報が店舗情報一覧テーブルに登録さ
れている場合は、代行決済契約ができる旨を利用者端末
１００に送信し、登録されていない場合には、代行決済
契約ができない旨を利用者端末１００に送信する（ステ
ップＡ３）。The settlement agency 200 is a user
If the store information received from is registered in the store information list table, the fact that a substitute settlement contract is possible is transmitted to the user terminal 100. If the store information is not registered, the user is notified that the substitute settlement contract is not possible. The message is transmitted to the terminal 100 (step A3).

【００３３】利用者端末１００は、決済代行機関２００
から代行決済契約ができる旨を受信した場合は、利用者
は代行決済契約を行いたい旨を決済代行機関２００に送
信し（ステップＡ４）、代行決済契約ができない旨を受
信した場合には、再度ステップＡ１〜ステップＡ３を繰
り返す。The user terminal 100 is a payment agent 200
When the user receives a notification that a proxy settlement contract can be made from the user, the user transmits to the payment agency 200 that the proxy settlement contract is to be made (step A4). Steps A1 to A3 are repeated.

【００３４】決済代行機関２００は、利用者端末１００
から代行決済契約を行いたい旨を受信すると（ステップ
Ａ５）、ハードウェア認証用ソフトを利用者端末１００
に送信する（ステップＡ６）。The settlement agency 200 is a user terminal 100
Receives a request to make a proxy settlement contract from the user terminal 100 (step A5), the hardware authentication software is
(Step A6).

【００３５】利用者端末１００は、決済代行機関２００
からハードウェア認証用ソフトを受信して記憶装置に格
納するとともに、当該ハードウェア認証用ソフトを実行
する（ステップＡ７）。The user terminal 100 is a payment agent 200
And stores the software in the storage device, and executes the hardware authentication software (step A7).

【００３６】ハードウェア認証用ソフトが利用者端末１
００上で実行されると、当該利用者端末１００のハード
ウェア固有情報を取得され送信される（ステップＡ
８）。The software for hardware authentication is the user terminal 1
00, the hardware specific information of the user terminal 100 is acquired and transmitted (step A).
8).

【００３７】ここで、ハードウェア固有情報の一例とし
てはＣＰＵＩＤがあり、ＣＰＵＩＤとは、ＣＰＵ毎に
割り振られる固有のＩＤである。したがって、ＣＰＵ
ＩＤにより利用者端末１００を一意に識別することがで
きる。Here, there is a CPU ID as an example of the hardware unique information, and the CPU ID is a unique ID assigned to each CPU. Therefore, CPU
The user terminal 100 can be uniquely identified by the ID.

【００３８】決済代行機関２００は、利用者端末１００
からハードウェア固有情報を受信する（ステップＡ９）
と、クレジット番号を生成し（ステップＡ１０）、利用
者情報、クレジット番号、ハードウェア固有情報、店舗
情報等を契約情報として契約情報テーブルに利用者情報
毎に登録する（ステップＡ１１）とともに、クレジット
番号を利用者端末１００に送信する（ステップＡ１
２）。The payment agency 200 is a user terminal 100
Receives hardware-specific information (step A9)
A credit number is generated (step A10), and user information, a credit number, hardware-specific information, store information, and the like are registered as contract information in the contract information table for each user information (step A11). Is transmitted to the user terminal 100 (step A1).
2).

【００３９】最後に、利用者端末１００は、クレジット
番号を決済代行機関２００から受信すると、当該クレジ
ット番号をディスプレイやプリンタに出力して利用者に
通知する（ステップＡ１３）。Finally, upon receiving the credit number from the settlement agency 200, the user terminal 100 outputs the credit number to a display or a printer to notify the user (step A13).

【００４０】図３は、利用者が利用者端末１００よりク
レジット番号を用いてインターネットショッピング行う
際の処理の流れを示したものである。FIG. 3 shows a flow of processing when the user performs Internet shopping from the user terminal 100 using the credit number.

【００４１】まず、利用者は、利用者端末１００を用い
て店舗３００のホームページ等により、店舗３００の商
品情報を参照して（ステップＢ１、Ｂ２）、購入したい
商品を選択し、クレジット番号と注文情報とを店舗３０
０に送信する（ステップＢ３）。First, the user refers to the merchandise information of the store 300 on the home page of the store 300 using the user terminal 100 (steps B1 and B2), selects the merchandise to be purchased, and gives a credit number and an order. Information and store 30
0 (step B3).

【００４２】店舗３００は、クレジット番号と注文情報
とを受信して記憶し（ステップＢ４）、利用者端末１０
０にハードウェア認証用ソフトの実行を要求する（ステ
ップＢ５）。The store 300 receives and stores the credit number and the order information (step B4), and
0 requests execution of hardware authentication software (step B5).

【００４３】利用者端末１００は、実行要求を受信する
（ステップＢ６）と、ハードウェア認証用ソフトを実行
し（ステップＢ７）、当該利用者端末１００のハードウ
ェア固有情報を取得して送信する（ステップＢ８）。Upon receiving the execution request (step B6), the user terminal 100 executes software for hardware authentication (step B7), and acquires and transmits hardware-specific information of the user terminal 100 (step B7). Step B8).

【００４４】ここで、ハードウェア固有情報の一例とし
てはＣＰＵＩＤがあり、ＣＰＵＩＤとは、ＣＰＵ毎に
割り振られる固有のＩＤである。したがって、ＣＰＵ
ＩＤにより利用者端末１００を一意に識別することがで
きる。Here, an example of the hardware unique information is a CPU ID, and the CPU ID is a unique ID assigned to each CPU. Therefore, CPU
The user terminal 100 can be uniquely identified by the ID.

【００４５】店舗３００は、ハードウェア固有情報を利
用者端末１００から受信する（ステップＢ９）と、当該
ハードウェア固有情報と、記憶しておいたクレジット番
号と、店舗３００の店舗情報とを決済代行機関２００に
送信する（ステップＢ１０）。When the store 300 receives the hardware-specific information from the user terminal 100 (step B9), the store 300 transfers the hardware-specific information, the stored credit number, and the store information of the store 300 on behalf of the store. The data is transmitted to the institution 200 (step B10).

【００４６】決済代行機関２００は、ハードウェア固有
情報等を店舗３００から受信する（ステップＢ１１）
と、契約情報テーブルを参照して代行決済契約がなされ
ているかを調べ（ステップＢ１２）、代行決済の可否を
店舗３００に送信する（ステップＢ１３）。The settlement agency 200 receives hardware-specific information and the like from the store 300 (step B11).
Then, referring to the contract information table, it is checked whether or not a proxy settlement contract has been made (step B12), and the propriety of proxy payment is transmitted to the store 300 (step B13).

【００４７】店舗３００は、決済代行機関２００から代
行決済の可否を受信し（ステップＢ１４）、代行決済が
可能である場合は、受注が可能である旨を利用者端末１
００に送信し、代行決済ができない場合には、受注でき
ない旨を利用者端末１００に送信する（ステップＢ１
５）。The store 300 receives from the settlement agency 200 whether the agency settlement is possible or not (step B14). If the agency settlement is possible, the store 300 informs the user terminal 1 that the order can be accepted.
00, and if proxy payment is not possible, a message to the effect that an order cannot be received is transmitted to the user terminal 100 (step B1).
5).

【００４８】最後に、利用者端末１００は、店舗３００
から受注の可否を受信すると、ディスプレイやプリンタ
に出力して利用者に通知する（ステップＢ１６）。Finally, the user terminal 100 is connected to the store 300
When receiving the information on whether or not an order can be received from the printer, the information is output to a display or a printer to notify the user (step B16).

【００４９】次に、本発明の第２の実施の形態について
図面を参照して説明する。Next, a second embodiment of the present invention will be described with reference to the drawings.

【００５０】図４を参照すると、本発明の第２の実施の
形態は、利用者端末１００、決済代行機関２００、店舗
３００にインターネットショッピング用プログラムを記
録した記録媒体１１０、２１０、３１０を備える。この
記録媒体１１０、２１０、３１０はフロッピー（登録商
標）ディスク、磁気ディスク、半導体メモリその他の記
録媒体であってよい。インターネットショッピング用プ
ログラムは、記録媒体１１０、２１０、３１０から読み
込まれ、利用者端末１００、決済代行機関２００、店舗
３００の動作を制御する。利用者端末１００、決済代行
機関２００、店舗３００はインターネットショッピング
用プログラムの制御により上述の処理、すなわち第１の
実施の形態における処理と同一の処理を実行する。Referring to FIG. 4, the second embodiment of the present invention includes a user terminal 100, a payment agency 200, and stores 300 having recording media 110, 210, and 310 recording Internet shopping programs. The recording media 110, 210, and 310 may be a floppy (registered trademark) disk, a magnetic disk, a semiconductor memory, or another recording medium. The Internet shopping program is read from the recording media 110, 210, 310, and controls the operations of the user terminal 100, the payment agency 200, and the store 300. The user terminal 100, the payment agency 200, and the store 300 execute the above-described processing, that is, the same processing as the processing in the first embodiment under the control of the Internet shopping program.

【００５１】[0051]

【発明の効果】以上説明したように、本発明のインター
ネットショッピングシステムによれば、インターネット
ショッピングを行う利用者端末を特定できるハードウェ
ア固有情報により利用者を認証するので、クレジット番
号等の個人情報を他人に盗用された場合においても不正
利用を防止することができるという効果がある。As described above, according to the Internet shopping system of the present invention, the user is authenticated by the hardware-specific information which can specify the user terminal performing the Internet shopping. There is an effect that unauthorized use can be prevented even when the information is stolen by another person.

【００５２】また、決済代行機関で生成されたクレジッ
ト番号は、全ての店舗で使用できるわけではなく、契約
者が指定した店舗でのみ使用できるので、クレジット番
号を盗用されても不正利用されにくいという効果があ
る。Further, the credit number generated by the settlement agency cannot be used in all stores, but can be used only in the store specified by the contractor. effective.

[Brief description of the drawings]

【図１】本発明の第１の実施の形態の構成を示す示すブ
ロック図である。FIG. 1 is a block diagram showing a configuration of a first exemplary embodiment of the present invention.

【図２】本発明の第１の実施の形態の動作を示す流れ図
である。FIG. 2 is a flowchart showing an operation of the first exemplary embodiment of the present invention.

【図３】本発明の第１の実施の形態の動作を示す流れ図
である。FIG. 3 is a flowchart showing an operation of the first exemplary embodiment of the present invention.

【図４】本発明の第２の実施の形態の構成を示す示すブ
ロック図である。FIG. 4 is a block diagram showing a configuration of a second exemplary embodiment of the present invention.

[Explanation of symbols]

１００利用者端末１１０記録媒体２００決済代行機関２１０記録媒体３００店舗３１０記録媒体４００ネットワーク REFERENCE SIGNS LIST 100 user terminal 110 recording medium 200 settlement agency 210 recording medium 300 store 310 recording medium 400 network

Claims

[Claims]

1. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. An internet shopping system, characterized in that in a mutually connected network system, hardware specific information capable of specifying the user terminal used by the user is used as personal authentication of the user.

2. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In a network system connected to each other, the user terminal includes user information that can specify the user, store information of the store terminal that the user wants to use, and hardware that can specify the own user terminal. Sending the unique information to the payment agency terminal, and when a proxy settlement contract is established, receiving a credit number from the payment agency terminal, the payment agency terminal receives the user information from the user terminal. And the store information and the hardware specific information are received, and when a proxy settlement contract is concluded, a credit number is generated, and the user information and the Store information, Internet shopping system, characterized in that the stores in the storage area of the hardware-specific information and the credit card number as an alternate settlement contract information, to send the credit card number to the user terminal.

3. The user terminal transmits the credit number, the order information, and hardware-specific information capable of identifying the user terminal to the store terminal, and it is determined that an order can be received at the store terminal. If received, the store terminal receives a notification that an order can be received, the store terminal receives the credit number, the order information, and the hardware-specific information from the user terminal, Along with the store information, it is transmitted to the settlement agency terminal to inquire whether the agency settlement is possible, and when a notification that the agency settlement is possible is received from the settlement agency terminal, the fact that an order can be received is described. Transmitting to the user terminal, the payment agency terminal receives the credit number, the hardware specific information and the store information from the store terminal, and receives the received credit number Comparing the hardware specific information and the store information with the proxy settlement contract information with the user stored in the storage area to determine whether proxy payment is possible, and if possible, the store 3. The Internet shopping system according to claim 2, wherein a notification that proxy payment is possible is transmitted to the terminal.

4. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In a network system connected to each other, the user terminal transmits user information that can identify the user and store information of the store terminal that the user intends to use to the payment agency terminal, The software for hardware authentication is received from the payment agency terminal and stored in a storage area, and hardware specific information for executing the hardware authentication software and specifying a user terminal is transmitted to the payment agency terminal. When the agency settlement contract is concluded, a credit number is received from the settlement agency terminal, and the settlement agency terminal receives the credit number. Receiving the user information and the store information from the user terminal, transmitting the hardware authentication software to the user terminal, receiving the hardware specific information from the user terminal, and establishing a proxy settlement contract In this case, a credit number is generated, and the user information, the store information, the hardware-specific information, and the credit number are stored in a storage area as substitute settlement contract information, and the credit number is stored in the user terminal. An Internet shopping system characterized by transmitting.

5. The user terminal transmits the credit number and the order information to the store terminal, receives the execution request of the hardware authentication software from the store terminal, and stores the execution request in the storage area. The hardware authentication software is executed to transmit hardware-specific information capable of identifying the user terminal to the store terminal, and when it is determined that an order can be received at the store terminal, the store terminal Receiving that an order can be received, the store terminal, when receiving the credit number and the order information from the user terminal, requests the user terminal to execute the hardware authentication software. The hardware specific information of the user terminal is received from the user terminal, and the store information of the own store terminal is transmitted to the payment agency terminal to determine whether the proxy payment is possible. In other words, if a notification that proxy payment is possible is received from the payment agency terminal, the fact that an order is possible is transmitted to the user terminal, and the payment agency terminal is transmitted from the store terminal. Receiving the credit number, the hardware-specific information, and the store information; and receiving the credit number, the hardware-specific information, and the store information, and the proxy payment with the user stored in the storage area. 5. The Internet shopping system according to claim 4, wherein it is determined whether substitute payment is possible by comparing the contract information with the contract information, and if possible, the fact that substitute payment is possible is transmitted to the store terminal.

6. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In a mutually connected network system, user information that can specify the user from the user terminal, store information of the store terminal that the user wants to use, and hardware specific that can specify the user terminal When the information is received and a proxy settlement contract is concluded, a credit number is generated, and the user information, the store information, the hardware-specific information, and the credit number are stored in a storage area as proxy settlement contract information. And a means for transmitting the credit number to the user terminal.

7. The settlement agency terminal receives the credit number, the hardware-specific information, and the store information from the store terminal, and receives the received credit number,
The hardware specific information and the store information are compared with the proxy settlement contract information with the user stored in the storage area to determine whether proxy payment is possible, and if possible, the store terminal 7. The settlement agency terminal according to claim 6, further comprising means for transmitting that the agency settlement is possible.

8. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In the mutually connected network system, the user terminal that can identify the user and the store information of the store terminal that the user intends to use is received from the user terminal, and the hardware is stored in the user terminal. Hardware authentication information that can identify the user terminal from the user terminal by transmitting software for software authentication, and when a proxy settlement contract is concluded, a credit number is generated; the user information; Store the store information, the hardware specific information, and the credit number in a storage area as proxy settlement contract information, and Clearing institution terminal, characterized in that it comprises means for transmitting the credit card number.

9. The settlement agency terminal receives the credit number, the hardware-specific information, and the store information from the store terminal, and receives the received credit number,
The hardware specific information and the store information are compared with the proxy settlement contract information with the user stored in the storage area to determine whether proxy payment is possible, and if possible, the store terminal 9. The settlement agency terminal according to claim 8, further comprising means for transmitting that the agency settlement is possible.

10. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In a mutually connected network system, receiving the credit number, the order information, and hardware-specific information capable of identifying the user terminal from the user terminal, and, together with the store information of the own store terminal, the settlement agency A means for transmitting to the terminal whether proxy payment is possible, and, when receiving a notification that proxy payment is possible from the payment agency terminal, transmitting means to the user terminal that an order can be received. Store terminal characterized by having.

11. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In the mutually connected network system, when the credit number and the order information are received from the user terminal, the user terminal issues an execution request of the hardware authentication software to the user terminal, and Receives hardware specific information that can identify the user terminal, sends it to the settlement agency terminal together with store information of its own store terminal, inquires whether agency settlement is possible, and allows agency settlement from the settlement agency terminal Store terminal comprising means for transmitting, to the user terminal, that an order can be received when a notification to the effect is received.

12. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In an interconnected network system, an Internet shopping method characterized by using hardware-specific information capable of identifying the user terminal used by the user as personal authentication of the user.

13. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In a network system connected to each other, the user terminal includes user information that can specify the user, store information of the store terminal that the user wants to use, and hardware that can specify the own user terminal. When the unique information is transmitted to the payment agency terminal, the payment agency terminal receives the user information, the shop information, and the hardware unique information from the user terminal, and establishes a proxy settlement contract. Generates a credit number and substitutes the credit number, the hardware-specific information, the user information and the store information for agency settlement contract information While and stores in the storage area, and transmitting the credit card number to the user terminal, the user terminal, Internet shopping method characterized by receiving a credit number from the settlement agency terminal.

14. The user terminal transmits the credit number, the order information, and hardware-specific information capable of identifying the user terminal to the store terminal, and the store terminal sends the credit number from the user terminal to the store terminal. Receiving the number, the order information, and the hardware-specific information, and transmitting the received credit number, the hardware-specific information, and the store information of the own store terminal to the payment agency terminal to perform proxy payment. Inquiry, the payment agency terminal receives the credit number, the hardware-specific information, and the store information from the store terminal, and receives the received credit number, the hardware-specific information, the store information, and the storage area. Whether proxy settlement is possible by comparing the proxy settlement contract information with the user stored in If possible, send a notification to the store terminal that proxy payment is possible, and if the store terminal receives a notification that proxy payment is possible from the payment agency terminal, an order can be received. 14. The Internet shopping method according to claim 13, further comprising transmitting a notification to the user terminal, wherein the user terminal receives a notification that an order can be received from the store terminal.

15. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In the mutually connected network system, the user terminal transmits user information capable of identifying the user and store information of the store terminal that the user intends to use to the payment agency terminal, The settlement agency terminal receives the user information and the shop information from the user terminal, and transmits the hardware authentication software to the user terminal. The user terminal includes the settlement agency While receiving the hardware authentication software from the terminal and storing it in the storage area, the hardware authentication software is executed to identify the own user terminal. And sends the hardware-specific information to the payment agent terminal.The payment agent terminal receives the hardware-specific information from the user terminal and generates a credit number when the agent settlement contract is concluded. And the user information,
The store information, the hardware-specific information and the credit number are stored in a storage area as proxy settlement contract information, and the credit number is transmitted to the user terminal. An internet shopping method comprising receiving a credit number.

16. The user terminal transmits the credit number and the order information to the store terminal, and the store terminal receives the credit number and the order information from the user terminal, and The user terminal makes an execution request of the hardware authentication software to the user terminal, and the user terminal receives the execution request of the hardware authentication software from the shop terminal and stores the hardware authentication software stored in the storage area. Executes software and transmits hardware-specific information capable of identifying a user terminal to the shop terminal, and the shop terminal receives hardware-specific information of the user terminal from the user terminal, With the store information of the above, it is transmitted to the settlement agency terminal to inquire whether the agency settlement is possible, and the settlement agency terminal is located in front of the store terminal. Receiving the credit number, the hardware specific information and the store information, and receiving the credit number, the hardware specific information and the store information, and the proxy settlement contract with the user stored in the storage area By judging whether proxy payment is possible by comparing the information with the information, if possible, transmitting to the store terminal that the proxy payment is possible, the store terminal can perform the proxy payment from the payment agency terminal Receiving a notification to the effect that an order can be received is transmitted to the user terminal, and the user terminal receives a notification that an order can be received from the store terminal. Item 15. An Internet shopping method according to Item 15.

17. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In a network system interconnected with each other, the settlement agency terminal includes user information that can identify the user from the user terminal, store information of the store terminal that the user intends to use, and the user. In the case of receiving hardware specific information capable of identifying a terminal and forming a proxy settlement contract, a credit number is generated, and the user information, the store information, the hardware specific information and the credit number are represented by a proxy settlement contract. A program for storing the credit number in the storage area and transmitting the credit number to the user terminal. Recorded recording medium.

18. The store terminal receives the credit number, the order information, and the hardware-specific information from the user terminal, and transmits the received credit number, the order information, and the hardware specific information to the settlement agency terminal together with the store information of the own store terminal. Inquiring whether or not settlement is possible, and when receiving a notification from the settlement agency terminal that agency settlement is possible, transmitting to the user terminal that an order can be accepted; processing the settlement agency terminal Receiving the credit number, the hardware-specific information, and the store information from the store terminal; and receiving the received credit number, the hardware-specific information, the store information, and the use stored in the storage area. By comparing the agency settlement contract information with the customer, it is determined whether or not agency settlement is possible, and if possible, the agency terminal can perform agency settlement. Recording medium according to claim 17, wherein for recording a program for executing processing for transmitting.

19. A user terminal, a store terminal that receives order information from the user terminal, and a payment agency terminal that performs payment between the user of the user terminal and the store terminal via the Internet. In the mutually connected network system, the payment agent terminal receives, from the user terminal, user information that can identify the user and store information of the store terminal that the user intends to use. When the hardware authentication software is transmitted to the user terminal and hardware-specific information capable of identifying the user terminal is received from the user terminal, and a proxy settlement contract is established, a credit number is generated. And storing the user information, the store information, the hardware-specific information, and the credit number in a storage area as proxy settlement contract information. Together, recording medium recording a program for executing processing of transmitting the credit card number to the user terminal.

20. When the store terminal receives the credit number and the order information from the user terminal,
The user terminal is requested to execute the hardware authentication software, and the hardware specific information is received from the user terminal. Inquiring whether or not is possible, when receiving a notification that agency payment is possible from the payment agency terminal, processing to transmit to the user terminal that an order can be received, the payment agency terminal Receiving the credit number, the hardware-specific information, and the store information from the store terminal, and receiving the received credit number, the hardware-specific information, the store information, and the user stored in the storage area. Is compared with the proxy settlement contract information to determine whether proxy payment is possible, and if possible, transmits to the store terminal that proxy payment is possible 20. The recording medium according to claim 19, wherein the recording medium records a program for executing a process to perform the processing.