JP2002304585A - Settlement mediation method and its device and storage medium and computer program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To allow a settlement mediating organization to perform the credit settlement of an on-line shop (including a mole where a plurality of on-line shops join as member stores or the member stores of this mole) between the settlement mediating organization existing beyond the boundary and the on-line shop. SOLUTION: A first data processor 102 set in the first country receives ordering data related with credit selling and credit data accompanied with the ordering data transmitted from a second data processor 302 set in the second country through a network, and transmits and receives authorization requests and results with second credit organizations 201 and 251 capable of performing settlement with the currency of the second country with the installer of the second data processor 302, and returns the result to the second data processor 302. Thus, while the unitary data processing is performed by the first data processor 102, the settlement is performed with the local currency of the second country.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement mediation method, a settlement mediation device, a storage medium, and a computer program for a settlement performed during a commercial transaction using the Internet such as online shopping.

[0002]

2. Description of the Related Art In recent years, with the rapid spread of the Internet, for example, online shopping using the Internet has been widely performed. As a form of such online shopping, there are cases where the shop itself has constructed a system that enables online shopping including payment processing on its own homepage, but in recent years, a trend has been A form in which mall operators manage the homepage of a member store has become widespread.

[0003] In such an online shopping system, the settlement method is important in various ways. For example, in many cases, online shopping systems are constructed so that credit settlement can be performed online. In this case, it is important to provide high security. Also, from the user's side,
It is convenient to have more types of credit cards available.

[0004] However, in order to satisfy various demands of such an online shopping system, a large-scale system is required, or the settlement processing is performed independently by contracting with many credit card companies. There is a problem that it has to be managed every time. In other words, the establishment of an online shop, a mall in which multiple online shops are affiliated as member stores, and the establishment of a member store of this mall (hereinafter simply referred to as an online shop) requires some degree of infrastructure development. This is one of the reasons why you can't open it.

[0005] In view of this, a system that supports the establishment and operation of an online shop has been proposed and realized in recent years, particularly from the standpoint of payment processing. This system is a system in which a settlement intermediary agency acting for settlement processing mediates settlement between an online shop or the like and a user.

An example of an online shopping system in which such a payment intermediary agency performs payment processing will be described with reference to FIG. The settlement intermediary agency 101 has a credit card membership contract with a plurality of credit card companies 201, and has an online shop 301 and a user 40
1 to mediate settlement. In this case, the online shop 301 includes a mall business operator, an Internet service provider (ISP), and the like.
It is not necessary to have a credit card membership contract with the credit card company 201 with which the company 1 has a contract. Also, the online shop 301 often has the user 401
Ask for membership.

In such a system, the settlement intermediary 1
01, a credit card company 201, an online shop 301, and a user 401 each include a payment mediation device 102, a credit institution data processing device 202, an online shop device 302, and a user device 402, each of which has a computer configuration. Data can be transmitted and received via a communication network. Therefore, each device 102, 202, 302
And 402 execute various processes by data processing by a processor according to computer software corresponding to the respective devices 102, 202, 302 and 402 installed in the respective storage areas. The following description regarding various computer processes is executed by data processing by such a processor.

In such an overall system, the user 4
01 is an online shop device 302 (generally, an online shop 301)
The user accesses a shopping homepage provided by the ISP with which the customer has contracted, and orders a desired product. In this case, the product may be tangible or intangible (for example, digital content).

Then, the online shop device 302
Transmits, to the settlement mediation device 102, data indicating that an order has been placed, together with data on the contents of the order.

[0010] In response, settlement intermediation device 102 prompts user 401 to input settlement information. At this time, user 4
When 01 desires credit settlement, the settlement mediating apparatus 102 urges the user 401 to input credit information. The credit information in this case is the credit card brand (for example, VIS
A (registered trademark), MASTERCARD (registered trademark))
Must belong to the credit card company 201 that is a member of.

When the credit information is transmitted from the user device 402, the settlement mediation device 102 sends an authorization request to the credit institution data processing device 202 based on the credit information to CAFIS (registered trademark, Credit And Finan).
ce Information System) or a dedicated network to obtain an authorization response from the credit institution data processing device 202. Then, the result is returned to the online shop device 302 and the user device 402. In this case, if the authorization is obtained, the online shop device 302 enables the purchase of the product ordered by the user 401. Next, the online shop 301 transmits the sales data during the predetermined period (for example, every one month) to the settlement intermediary agency 101, and the settlement intermediary agency 101 makes a journal entry for each credit card company 201, and The sales data is transmitted to the company 201. Such sales data is distributed via a communication network between the settlement mediating apparatus 102, the credit institution data processing apparatus 202, and the online shop apparatus 302, or is mailed while being stored and stored in a portable recording medium. Is transferred to the credit card company 201 or the online shop 301.

The credit card company 201 requests the user 401 for a price based on the sales data transmitted from the settlement intermediary agency 101 and receives the payment.
Payment is made to the online shop 301 based on payment data sent via the payment mediation device 102.

At this time, the settlement intermediary agency 101 may take a predetermined commission from the online shop 301 in some cases.

With the system configuration described above, a system that supports the establishment and operation of an online shop from the standpoint of settlement processing is realized.

[0015]

In such electronic commerce, for example, in online shopping using the Internet, since the Internet is used, the user 401 needs to access the homepage of each online shop 301. It allows commercial transactions from any country in the world. In other words, it can be used across borders.

However, in principle, credit card settlement cannot be performed across national borders. For this reason,
Considering the credit settlement that occurs during online shopping, various inconveniences occur when the credit card company 201 and the online shop 301 cross the border. For example, a credit card company 201 is in country A, and one online shop 301 is in country A,
Assume another online shop 301 is in country B. In this case, since the settlement intermediary agency 101 performs the settlement of the online shop 301, when a commercial transaction is established in a certain online shop 301, the settlement intermediary agency 101 contacts the credit card company 201 with which the online shop 301 makes a contract. The payment is performed between the credit card companies 201 in the currency of the settlement intermediary agency 101 and the money is transferred to the online shop 301 while collecting a part of the money as a proxy fee in some cases. . In this case, since the online shop 301 in the country A and the credit card company 201 are in the same country, no problem occurs. However, since the online shop 301 in Country B and the credit card company 201 are in different countries, the settlement intermediary agency 1
No. 01 cannot substitute for the settlement of the online shop 301.

As a solution to such inconvenience, the settlement intermediation apparatus 102 of the settlement intermediation organization 101 may be installed in each country where the online shop 301 with which the settlement intermediation organization 101 makes a settlement agency contract is located. However, in this case, such a measure is not realistic because the cost burden is enormous.

From the above, while using the Internet, which is naturally easy to use across national borders,
In the system as exemplified in FIG. 1, the credit card company 201 and the online shop 301 cannot be established across national borders, which hinders system development on a global scale.

An object of the present invention is to provide a service between a credit card company existing across borders and an online shop (including a mall in which a plurality of online shops are affiliated as described above, and an affiliated store of this mall). In other words, a payment intermediary can take charge of online shop credit payment.

[0020]

SUMMARY OF THE INVENTION The present invention relates to a first data processing apparatus which is installed in a first country and executes data processing, and which is installed in a second country other than the first country. A second data processing device that executes data processing for credit settlement with a user who has purchased a product in the content transmits order data related to credit settlement and associated credit data via a network. The first data processing device receives the order data transmitted from the second data processing device via the network and credit data associated therewith, and the first data processing device To the credit institution of the second country which can settle in the currency of the second country with the installer of the second data processing device, the received order data and credit data are The first data processing device receives an authorization result from the credit institution corresponding to the transmitted authorization request, and the first data processing device transmits the authorization request to the first data processing device. The received authorization result is transmitted to the second data processing device via the network, and the second data processing device transmits the authorization result transmitted from the first data processing device to the second data processing device. It is configured to receive via the network.

Therefore, the first data processing device installed in the first country sends an authorization request based on the order data received from the second data processing device installed in the second country to the credit of the second country. The data is sent to the institution, and the obtained authorization result is sent to the second data processing device. Thereby, the second data processing device
Determine if the user's order can be settled,
Since the credit institution of the second country can settle in the currency of the second country with the installer of the second data processing device, it can settle in the local currency. That is, according to the present invention, the settlement intermediary having the first data processing device and the online shop having the second data processing device (as described above, a mall in which a plurality of online shops are affiliated as a member store, (Including franchisees) may exist across borders, but a payment intermediary may take over for online shop credit payments.

According to the present invention, a first data processing device installed in a first country for executing data processing is provided in a second country other than the first country for purchasing a product in contents related to product sales. Receiving order data relating to credit sales transmitted from a second data processing device that performs data processing for credit settlement with a user who has performed the credit processing and a credit data associated therewith, via the network, Is based on the received order data and credit data to a credit institution in a second country capable of performing settlement in a currency of a second country with an installer of the second data processing device. An authorization request is transmitted, and the first data processing device transmits an authorization request from the credit institution corresponding to the transmitted authorization request. It receives said first data processing device, toward the second data processing apparatus, and an authorization THEY Deployment result received is configured to be transmitted through the network.

Accordingly, the first data processing device installed in the first country sends an authorization request based on the order data received from the second data processing device installed in the second country to the credit of the second country. The data is sent to the institution, and the obtained authorization result is sent to the second data processing device. Thereby, the second data processing device
Determine if the user's order can be settled,
Since the credit institution of the second country can settle in the currency of the second country with the installer of the second data processing device, it can settle in the local currency. That is, according to the present invention, the settlement intermediary having the first data processing device and the online shop having the second data processing device (as described above, a mall in which a plurality of online shops are affiliated as a member store, (Including franchisees) may exist across borders, but a payment intermediary may take over for online shop credit payments.

The present invention is directed to a first data processing apparatus which is installed in a first country and executes data processing.
A second data processing device that is installed in a second country other than the country and that executes data processing for credit settlement with a user who has purchased a product in content related to product sales,
Transmits order data related to credit settlement and associated credit data via a network, and sends an authorization request based on the received order data and credit data to an installer of the second data processing device. The first data processing device, which transmits the authorization result obtained from the credit institution to the credit institution in the second country capable of performing settlement in the currency of the two countries, transmits the authorization result transmitted through the network to the second institution. Are configured to receive the data.

Therefore, the first data processing device installed in the first country sends the authorization request based on the order data received from the second data processing device installed in the second country to the credit of the second country. The data is sent to the institution, and the obtained authorization result is sent to the second data processing device. Thereby, the second data processing device
Determine if the user's order can be settled,
Since the credit institution of the second country can settle in the currency of the second country with the installer of the second data processing device, it can settle in the local currency. That is, according to the present invention, the settlement intermediary having the first data processing device and the online shop having the second data processing device (as described above, a mall in which a plurality of online shops are affiliated as a member store, (Including franchisees) may exist across borders, but a payment intermediary may take over for online shop credit payments.

The present invention specifies a settlement intermediation method, a settlement intermediation device, a storage medium storing a settlement intermediation processing program, and a settlement intermediation computer program for executing the above-mentioned processing.

[0027]

DESCRIPTION OF THE PREFERRED EMBODIMENTS One embodiment of the present invention will be described.
This will be described with reference to FIGS.

In the present embodiment, based on the online shopping system as already described with reference to FIG. 1, a single online shop 301, a mall in which a plurality of online shops 301 are affiliated stores, and a membership of this mall Online shop 30 which is a store
An example is shown where the online shop 301, which means 1 etc., is installed overseas, which is a second country.

It should be noted that the online shopping system itself shown in FIG. 1 on which this embodiment is based is the same as that already described with reference to FIG.

The basic configuration of the online shopping system (global network) according to the present embodiment will be described with reference to FIGS.

FIG. 1 is a schematic diagram showing an example of an online shopping system in which the settlement intermediary agency 101 performs settlement processing, and FIG. 2 is a schematic diagram showing a basic configuration of an online shopping system (global network). FIG. 3 is a schematic diagram showing a connection example in a case where a settlement intermediary agency and an online shop are connected across national borders.

As shown in FIG. 2, the online shopping system according to the present embodiment has a settlement mediating device 102 and a credit institution data processing device 20 as illustrated in FIG.
2. Online shop device 302 and user device 40
In addition to the online shopping system installed in Japan, which is the first country consisting of the two countries, a plurality of online shops 301 in any of the overseas countries, which is the second country
Contains. Then, in the example shown in FIG. 2, the plurality of online shops 301 installed overseas are the same mall operator 35 as the mall operator 351 in Japan.
1 is a member store of a credit card company 201 of the second country and an international bank 251 that performs a credit agency business but has a certain kind of credit contract. However, the existence of the second country mall operator 351 which is the same as the mall operator 351 in Japan is not necessarily essential, but such a second country mall operator 351 is not essential.
If there is no national mall business 351, each online shop 301 is the credit card company 201 of the second country.
And some kind of credit agreement with the bank 251.

Here, the credit card company 2 of the second country
01 and international banks 251 and second country mall operators 351
Alternatively, certain types of credit agreements with the second country online shop 301 are not credit card access agreements. That is, the credit card company 201 or the international bank 251 in the second country will have a practical credit card between their headquarters in the first country and the settlement intermediary 101 also in the first country. I have a membership contract,
Second country credit card company 201 or international bank 2
The contract between 51 and the second country mall business 351 or the second country online shop 301 is a contract only for receiving money related to credit. More specifically,
The credit card company 201 and the bank 251 are world-wide institutions, and the actual member stores of the credit card company 201 and the like are only the settlement intermediary institution 101.
Country mall operator 351 or 2nd country online shop 3
01 is a contract only for the second country mall company 351 or the second country online shop 301 to receive money to be collected from the user 401. The same applies to the contents of such a contract in the case of the mall business 351 and the online shop 301 in Japan, which is the first country where the settlement intermediary agency 101 is installed.

However, unlike the example shown in FIG.
Credit card company 201 whose head office does not exist in the country,
It is also possible for the bank 251 and the settlement intermediary agency 101 to make a direct transaction. In this case, various data described later are stored in the credit card company 201 and the bank 25 in the second country.
1 and the settlement intermediary 101. Also, the mall operator 351 does not need to exist in the first country, and in this case, the mall operator 351 existing in the second country makes a direct contract with the settlement intermediary 101 of the first country. Then, only one of these examples and the example shown in FIG. 2 or both may be operated in parallel.

Here, the mall operator 351 operates a local individual Internet service provider (IS).
P), in other words, the individual who establishes an online shopping mall, develops an online shopping platform such as a mall on the Internet, and gives both the online shop establishment applicant and the online shop user 401 an online shop. Providing services. As described above, in the case of the present embodiment shown in FIG. 2, the overseas mall operator 351 as the second country is the same as the mall operator 351 in Japan as the first country.

More specifically, the mall operator 351 manages the online shop 301 that opens in the opened mall. The user 401 who has registered as a member is stored and managed in the form of a user database. Also, depending on the business, the online shop 301 in the mall to be opened
In some cases. In such a case, the mall company 351 performs various processes over the entire online shopping, such as management of all order data by the order database and confirmation of the order to the user 401, for example.

The important role of the mall operator 351 installed abroad, which is the second country in the present embodiment, is to sign a credit card membership contract with the credit card company 201 or the bank 251 in the second country. In other words, for the online shop 301 that is a member store, the settlement is made between the credit card company 201 and the bank 251 in the local currency of the second country.

Here, the hardware configuration of each institution will be described. The settlement intermediation device 102 included in the settlement intermediation agency 101 constitutes a first data processing device 102 here. The online shop device 302 included in the online shop 301 constitutes a second data processing device 302 here. As for the credit institution data processing device 202 provided in the credit card company 201 and the bank 251, the credit institution data processing device 202 provided in the credit card company 201 and the bank 251 in Japan, which is the first country, has the first credit institution data. The credit institution data processing device 202 included in the credit card company 201 and the bank 251 serving as the second country constitutes a second credit institution data processing device 202b.

Further, the mall operator 351 also includes the mall operator device 302 having a computer configuration. in this case,
The mall operator device 302 provided in the overseas mall operator 351 that is the second country constitutes the second data processing device 302. Then, such a second data processing device 30
The connection between the second data processing device 102 and the first data processing device 102 in the settlement intermediary agency 101 is made by a dedicated line in Japan. On the other hand, the mall operator 351 and the settlement intermediation agency 101 overseas are basically connected to the Internet network 1
000.

However, in order to secure a secure environment and a data transfer band, as shown in FIG. 3, a VPN (Vi) is established between the settlement intermediation agency 101 and the overseas mall operator 351.
rtual Private Network). That is,
Dedicated lines are used to access points in each country, and Internet access is used between each access point. In this case, the first data processing device 102 of the settlement
And the second data processing device 3 of the overseas mall operator 351
02, software for VPN is installed on each other, and data can be encrypted and decrypted. Specifically, 128-bit SSL (Secure Socke
t Layer), the data is transferred, and the data is decrypted by mutually installed VPN software. This provides a secure environment. In addition, on the Internet that connects the settlement intermediary institution 101 and the overseas mall operator 351, each of the devices 102 and 302 has a system configuration in which the line of the highest-order backbone carrier is used. As a result, a data transfer band is ensured, and an improvement in data transfer throughput is achieved.

In the system environment described above, the online shopping system according to the present embodiment can provide a user with shopping between Japan, which is the first country, and overseas, which is the second country. is there. That is, the user 401 is a mall operator 3 installed overseas.
It is possible to freely browse the merchandise sales contents of the online shop 301 contracted with 51 using the Internet network. User 401 in this case
Can browse the merchandise sales content from Japan as the first country, from overseas as the second country, or from countries other than the first and second countries. Therefore, the online shop 30 in which the user 401 has made a contract with the mall operator 351 installed abroad as the second country.
There is no system problem in the online purchase of a product in one product sales content.

On the other hand, in the online shopping system according to the present embodiment, settlement intermediary agency 101
Will act for payment. For this reason, the settlement intermediary 101
In Japan, which is the first country in which this is installed, settlement processing is performed with the credit card company 201, which is a credit institution. For this reason, the settlement is made in yen. However, with respect to the relationship with the overseas online shop 301 as the second country, the settlement intermediary institution 101 installed in Japan as the first country requires a normal method to mediate settlement processing. Can not do. This is a credit card company 201 and online shop 301
This is because there is a principle that credit settlement cannot be made across borders with credit claimants such as.

Therefore, in the present embodiment, as a measure for solving such inconvenience, the overseas mall business operator 351 in the second country may use the credit card company 201, which is a local credit institution, or the credit agency business. For example, enter into some kind of credit agreement with an international bank 251. The contract in this case is, as mentioned above,
This contract is only for the second country mall company 351 or the second country online shop 301 to receive the money to be collected from the user 401, and is different from the actual credit card membership contract. However, the contract with the credit card company 201 or the main branch of the bank 251 may be made by the online shop 301 itself if the mall business 351 is not interposed with the settlement intermediary organization 101, or by a provider or the like. The organization may be larger than the large mall business 351.

Then, in Japan, the first country,
The settlement intermediary institution 101 not only has a credit card membership contract with the credit card company 201, which is a credit institution with which the mall operator 351 has a contract overseas, or a head office in Japan of the bank 251 but also has an international transaction. Sign an agency contract. In this case, the overseas credit card company 201, which is the second country, or the main branch of the bank 251 and the corresponding credit card company 20 installed in Japan, which is the first country.
It is desirable that a company dedicated line 281 which is a dedicated line as a credit institution network is connected between the head office 1 and the head office of the bank 251. The company dedicated line 281 is not an essential element, but is necessary equipment for realizing a secure environment. In addition, when the company dedicated line 281 is not used, as in the case between the settlement intermediation agency 101 and the overseas mall operator 351, the V using the Internet is used.
It is desirable to realize an environment in which a secure and sufficient data transfer band can be secured by the PN method. However, in reality, the credit card company 201 and the bank 251 that may enter into an international agency contract with the settlement intermediary agency 101 currently have facilities for the company dedicated line 281 in many countries. Upon implementation, such equipment can be used as it is.

Under the environment where the system is constructed as described above,
First data processing device 102 of settlement intermediary agency 101 and second data processing device 302 of overseas mall operator 351
The processing executed by the computer software stored in the storage medium (not shown) will be described with reference to FIG.

First, as shown in FIG. 4, a user 401 in any country purchases a product from a web page or the like provided by an online shop 301 overseas, which is a second country, that is, places an order for a product online. Shop 30
1 or to the mall operator 351 (1), the online shop 301 or the mall operator 351 generates order data having credit data necessary for authorization to the credit card company 201, such as an amount and a credit card number, and The order data is transmitted to the settlement intermediary agency 101 installed in Japan, which is the first country, via the Internet (2). At this time, the transmission of the credit data from the mall operator 351 to the settlement intermediary institution 101 is performed via the Internet, but the VPN (Virtual Private Necessary) is used.
twork). Payment intermediary 101
Transmits the credit data transmitted from the mall operator 351 to the credit card company 201 or the head office of the bank 251 that has an international agency contract in Japan, which is the first country, to the company dedicated line 281 or the Internet VPN.
An authorization request is made through (3).

Credit card company 201 or bank 25
1 transmits the authorization request to the credit card company 201 or the head office of the bank 251 located in the second country abroad via the company dedicated line 281 (4), or the settlement intermediary 101 sends the authorization request The credit card is sent directly to the overseas credit company 201 or the bank 251 of the second country (4), and the received foreign credit company 201 or bank 251 of the second country is authorized to perform the authorization. The authorization result is returned to the credit card company 201 or the main branch of the bank 251 in Japan, which is the first country, via the company dedicated line 281 (5), and the book of the credit card company 201 or the bank 251 in Japan is returned. The branch returns the received authorization result to the settlement mediation agency 101 (6). Alternatively, the credit company 201 of the second country or the head office of the bank 251 directly returns the authorization result to the settlement intermediary 101 (6).

The settlement intermediary 101 transmits the returned authorization result to the online shop 301 or the mall business 3
In response to the authorization result, the online shop 301 notifies the user 401 of the result indicating that the order has been completed, and sends out the product (8).

Next, the operation of the sales / settlement process performed on the closing date and the like will be described with reference to FIG.

First, each online shop 301 or mall operator 351 transmits sales data to the settlement intermediary 101 via the Internet (21).

At the settlement intermediary agency 101, the transmitted sales data (already including the credit card number) is transferred to the credit card company 201 or the head office of the bank 251 which has an international agency contract in Japan as the first country. Or to the credit card company 201 or the head office of the bank 251 which has an international agency contract overseas, which is a second country (22). Then, in accordance with the international agency contract, the credit card company 201 in Japan or the head office of the bank 251 receiving the sales data including the credit number deducts a predetermined credit fee from the price, and online shop 301 or the mall business 351. Is paid (23).

Thus, the corresponding overseas credit card company 201 or the head office of the bank 251 charges the user 401 (24) and receives the payment (25).

If the person who has received the payment from the credit card company 201 in Japan or the main branch of the bank 251 is the mall operator 351, the mall operator 351
Deducts a predetermined commission such as a customer introduction fee from the online shop 301 participating in the mall,
Pay the price (26).

By executing the above-described processing, the problem associated with the agency of credit settlement when the settlement intermediary agency 101, the online shop 301, and the mall operator 351 cross the border is solved. It is possible to settle in a local currency for a certain overseas online shop 301 and mall operator 351. Moreover, since the settlement intermediary institution 101 itself needs to be installed only in Japan, which is the first country, the economic disadvantages caused by having to provide a large system such as the settlement intermediation institution 101 for each country. And the complexity and the stagnation of the development of the online shopping system associated therewith are prevented.

The present invention is not limited to the present embodiment, and various modifications are possible. For example, the network constituting the online shopping system is not limited to the Internet, but may be any network system.

[0056]

The present invention is constructed as described above.
The first where the first data processing device of the settlement intermediary is installed
For online shops where data processing devices are installed in a second country different from the country (including malls where a plurality of online shops are affiliated and merchants of this mall), credit settlement in the second country is required. One data processing device can act on behalf of. Thereby, the settlement intermediary agency can act as an intermediary for the credit settlement of the online shop between the settlement intermediary agency and the online shop existing across the border. In this case, the first data processing device itself needs to be installed only in the first country, so that an economic system caused by having to provide a large system such as the first data processing device in each country is required. It is possible to prevent disadvantages and complications, and stagnation of the system development accompanying the disadvantages and complexity.

[Brief description of the drawings]

FIG. 1 is a schematic diagram showing an example of an online shopping system in which a payment intermediary agency performs payment processing.

FIG. 2 is a schematic diagram illustrating a basic configuration of an online shopping system (global network) according to an embodiment of the present invention.

FIG. 3 is a schematic diagram showing a connection example when a settlement intermediary agency and an online shop are connected across national borders.

FIG. 4 is a schematic diagram for explaining a processing flow when a user purchases a product in the online shopping system shown in FIG. 2;

FIG. 5 is a schematic diagram illustrating a flow of a sales / settlement process performed on a closing date or the like in the online shopping system illustrated in FIG. 2;

[Explanation of symbols]

 102 first data processing device 201 credit institution (card company) 202 credit institution data processing device 202a first credit institution data processing device 202b second credit institution data processing device 251 credit institution (bank) 302 second data processing Apparatus 1000 Network (Internet network)

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 512 G06F 17/60 512 ZEC ZEC (72) Inventor Taku Kawashima 1-chome, Minami-Aoyama, Minato-ku, Tokyo No. 1 Inside Sony Finance International Co., Ltd.

Claims (24)

[Claims] 1. A user who is installed in a second country other than the first country and purchases a product in content related to product sales toward a first data processing device installed in the first country and executing data processing. A second data processing device executing data processing for credit settlement between the first data and the second data processing apparatus, the order data and the accompanying credit data related to the credit settlement being transmitted via a network; A processing device receiving order data and associated credit data transmitted from the second data processing device via the network; and wherein the first data processing device performs the second data processing. A second payment that can be made in the currency of the second country with the installer of the device
Transmitting an authorization request based on the received order data and credit data to a national credit institution; and wherein the first data processing device transmits the authorization request from the credit institution corresponding to the transmitted authorization request. Receiving the authorization result, the first data processing device transmitting the received authorization result via the network to the second data processing device, and the second data processing device; Receiving the authorization result transmitted from the first data processing device via the network. 2. A first data processing device, which is installed in a first country and executes data processing, communicates with a user who has been installed in a second country other than the first country and has purchased a product in content related to product sales. Receiving order data relating to credit sales transmitted from a second data processing device via a network and credit data accompanying the data from a second data processing device which executes data processing for credit settlement between the first data and the first data; A second data processing device, wherein the second data processing device can be settled in a currency of a second country with an installer of the second data processing device;
Transmitting an authorization request based on the received order data and credit data to a national credit institution; and wherein the first data processing device transmits the authorization request from the credit institution corresponding to the transmitted authorization request. Receiving the authorization result; and the first data processing device transmitting the received authorization result to the second data processing device via the network. Payment mediation method. 3. The first data processing device uses an Internet network as the network, and transmits and receives encrypted data to and from the second data processing device using a backbone carrier line. Item 6. The settlement mediation method according to Item 2. 4. The settlement mediation method according to claim 3, wherein said first data processing device transmits and receives data to and from said second data processing device using a dedicated line up to an Internet access point. 5. The method according to claim 1, wherein the step of transmitting the authorization request includes the step of transmitting the authorization request to a first credit institution data processing apparatus which is a credit institution of a second country and is installed in the first country and executes data processing. 3. The settlement intermediation method according to claim 2, comprising transmitting an authorization request, and receiving the authorization result includes receiving an authorization result from the first credit institution data processing device. 6. The second credit institution data processing device, wherein the first credit institution data processing device is installed in a second country with an authorization request corresponding to the received authorization request and executes data processing. Transmitting a corresponding authorization result from the second credit institution data processing device to the first data processing device, and transmitting the received authorization result to the first data processing device. The settlement intermediation method according to claim 5, which includes the following. 7. The settlement intermediation method according to claim 5, wherein the credit institution is a bank. 8. A user who is installed in a second country other than the first country and purchases a product in content related to product sales toward a first data processing device installed in the first country and executing data processing. And a second data processing device that executes data processing for credit settlement between the order data and credit data associated with the credit settlement via a network. The first data for transmitting an authorization request based on credit data to a credit institution in a second country capable of performing settlement in a currency of a second country with an installer of the second data processing device; A step in which the second data processing device receives an authorization result obtained by the processing device from the credit institution and transmitted through the network. Settlement intermediary method comprising and, the. 9. The second data processing device uses the Internet as the network, and transmits and receives encrypted data to and from the first data processing device using a backbone carrier line. Item 9. The settlement mediation method according to Item 8. 10. The settlement mediation method according to claim 9, wherein said second data processing device transmits and receives data to and from said first data processing device using a dedicated line up to an Internet access point. 11. A first data processing device installed in a first country and executing data processing, and a user installed in a second country other than the first country and who has purchased a product in content related to product sales. A second data processing device for executing data processing for credit settlement between the order data provided in the second data processing device, the order data relating to credit settlement via a network, and the accompanying credit data, Means for transmitting data to the first data processing device; order data provided in the first data processing device and transmitted from the second data processing device via the network; and credit data accompanying the order data. Means for receiving the first data processing device, and the second data processing device can be settled in the currency of the second country between the first data processing device and the installer of the second data processing device. Means for transmitting an authorization request based on the received order data and credit data to a credit institution in a second country; and wherein the means is provided in the first data processing device and corresponds to the transmitted authorization request. Means for receiving an authorization result from a credit institution; provided in the first data processing device; and transmitting the received authorization result to the second data processing device via the network. And a means provided in the second data processing apparatus and receiving the authorization result transmitted from the first data processing apparatus via the network. 12. A first data processing device installed in a first country to execute data processing, wherein the first data processing device is installed in a second country other than the first country to sell goods. Data related to credit sales transmitted from a second data processing device that executes data processing for credit settlement with a user who has purchased a product in contents related to the credit sales, and associated credit data To a credit institution in a second country capable of performing settlement in a currency of a second country between the second data processing device and the installer of the second data processing device.
Means for transmitting an authorization request based on the received order data and credit data; means for receiving an authorization result from the credit institution corresponding to the transmitted authorization request; and the second data processing device Means for transmitting the received authorization result via the network. 13. The data processing apparatus according to claim 1, wherein the first data processing device uses an Internet network as the network,
13. The settlement intermediation device according to claim 12, wherein encrypted data is transmitted to and received from said data processing device using a line of a backbone carrier. 14. The settlement intermediation device according to claim 13, wherein the first data processing device transmits and receives data to and from the second data processing device using a dedicated line up to an Internet access point. 15. The means for transmitting an authorization request is a credit institution of a second country, wherein the first credit institution data processing device is located in the first country and executes data processing. 13. The settlement intermediation device according to claim 12, wherein the means for transmitting the authorization request and receiving the authorization result receives the authorization result from the first credit institution data processing device. 16. The second credit institution data processing device, wherein the first credit institution data processing device is provided with an authorization request corresponding to the received authorization request in a second country and executes data processing. An environment for transmitting an authorization result from the second credit institution data processing device, transmitting the received authorization result to the first data processing device is constructed. The settlement intermediation device according to claim 15, wherein 17. The settlement intermediation device according to claim 15, wherein the credit institution is a bank. 18. A second data processing device installed in a second country for executing data processing for credit settlement with a user who has purchased a product in content related to product sales, Means for transmitting, via a network, order data related to credit settlement and associated credit data to a first data processing apparatus installed in a first country and executing data processing; Transmitting an authorization request based on the received order data and credit data to a second-country credit institution that can settle in a second-country currency with the installer of the second data processing device. Means for receiving the authorization result obtained by the first data processing device from the credit institution and transmitted through the network. Payment intermediation device. 19. The second data processing device uses the Internet as the network,
19. The settlement intermediation device according to claim 18, wherein encrypted data is transmitted to and received from said data processing device using a line of a backbone carrier. 20. The settlement mediating apparatus according to claim 19, wherein said second data processing apparatus transmits and receives data to and from said first data processing apparatus using a dedicated line up to an Internet access point. 21. A product installed in a computer of a first data processing device installed in a first country and executing data processing, and installed in a second country other than the first country to execute a product within contents related to product sales. A function of receiving order data relating to credit sales and credit data attached thereto transmitted from a second data processing device that executes data processing for credit settlement with a purchased user via a network, To a second-country credit institution that can settle in the second-country currency with the installer of the second data processing device,
A function of transmitting an authorization request based on the received order data and credit data, a function of receiving an authorization result from the credit institution corresponding to the transmitted authorization request, and the second data processing device A machine-readable storage medium storing a program for causing the computer to execute a function of transmitting the received authorization result via the network to the computer. 22. A computer installed in a computer having a second data processing device installed in a second country and performing data processing for credit settlement with a user who has purchased a product in content related to product sales, A function of transmitting, via a network, order data relating to credit settlement and credit data accompanying the data to a first data processing device installed in a first country other than the second country and executing data processing; Transmitting an authorization request based on the received order data and credit data to a second-country credit institution that can settle in a second-country currency with the installer of the second data processing device. The authorization result obtained from the credit institution by the first data processing device and transmitted through the network. Machine-readable storage medium storing a program to be executed and the functions second data processing apparatus receives, to the computer. 23. A product installed in a computer of a first data processing device installed in a first country and executing data processing, and installed in a second country other than the first country to execute a product within contents related to product sales. A function of receiving order data relating to credit sales and credit data attached thereto transmitted from a second data processing device that executes data processing for credit settlement with a purchased user via a network, To a second-country credit institution that can settle in the second-country currency with the installer of the second data processing device,
A function of transmitting an authorization request based on the received order data and credit data, a function of receiving an authorization result from the credit institution corresponding to the transmitted authorization request, and the second data processing device A computer-readable program for causing the computer to execute a function of transmitting the received authorization result via the network. 24. A computer installed in a computer having a second data processing device that is installed in a second country and executes data processing for credit settlement with a user who has purchased a product in content related to product sales, A function of transmitting, via a network, order data relating to credit settlement and credit data accompanying the data to a first data processing device installed in a first country other than the second country and executing data processing; Transmitting an authorization request based on the received order data and credit data to a second-country credit institution that can settle in a second-country currency with the installer of the second data processing device. The authorization result obtained from the credit institution by the first data processing device and transmitted through the network. Machine-readable computer program for executing a function of the second data processing apparatus receives, to the computer.