| 摘要 |
A selling system based on a purchaser using a Ubiquitous card is disclosed. The system comprises a purchaser terminal and a card system. The purchaser terminal accesses the Internet through a wired/wireless communication line and has a function for accessing a seller server over the Internet, acquiring a Ubiquitous card (UC) information, and purchasing merchandise, accessing a server of a card company to perform a credit card approval process after purchasing the merchandise, and accessing a bank system to perform a process relating a bank account. The card system includes a card company server which controls the registration and grant of the UCs of the seller and the purchaser and the transfer of money from the card account of the purchaser to the card account of the seller; a card company's web server which provides approval information to the card company server to perform the approval, when the purchaser inputs the purchase information the UC information of the purchaser over the Internet and requests the card company to transmit the credit card approval contents to the purchaser terminal and the seller system or the seller terminal; a card company's ARS system which transmits a guide message such that a purchaser who accesses the card company server by a telephone can input transaction information and transmits the UC information and the transaction information of the purchaser to the card company server so as to perform the credit card approval process; and a card company's mail server which transmits information as to whether transaction is accomplished or not to the purchaser terminal and the seller terminal. The card service terminal registers, grants and issues UC information of a seller, identifies the purchaser, received the UC information, credit card information, a purchase number and a price and performs the credit card approval process when the purchaser requests credit card approval, notifies the bank system of credit card approval contents of the purchaser to request transfer of money, stores card member information, the UC information of the purchaser and the seller, transaction information of the purchaser, and credit card approval information in a database (DB), and notifies the purchaser terminal and a seller system or a seller terminal of the card member information, the UC information of the purchaser and the seller, the transaction information of the purchaser, and the credit card approval information. The bank system stores card account information of the purchaser and the seller, manages the accounts by the purchaser terminal and the seller system or the seller terminal, and transfers money from the card account of the purchaser to the card account of the seller when the card service terminal requests the processing of the credit card approval contents. The seller system which accesses a card company system over the Internet so as to register, grant, and issue the UC information, accesses the bank system to manage bank account information, provides information such that the purchaser can acquire the information and search and purchase the merchandise over the Internet, and includes a seller manager server for transmitting an order number and a price necessary for the credit card approval at the time of purchasing the merchandise and a seller terminal for connecting the seller to a card company or the purchaser. The selling system based on a purchaser using a DC is further implemented by allowing a seller to enter into an affiliation contract using a seller terminal or through a visit to a card company, registering and granting a UC information, and issuing an UC; by allowing the seller to access a card company or a bank through a seller management server so as to register or grant the UC information and issue the UC, to access a bank system to manage bank account information, to access a purchaser terminal to perform a purchase process of the purchaser, and to notify the purchaser of information including the DC or all software and a module of the UC; by registering registration information of the UC of the seller in a DB of the card company; by allowing the purchaser to access a seller system or the seller terminal using a purchaser terminal to receive the DC information, to have a consultation about the purchase of merchandise and to purchase the merchandise and allowing the seller to notify the purchaser terminal of requirements such as an order number and a price when the consultation about the purchase of the merchandise is completed; by allowing the purchaser to access the card company's ARS system and the card company's web server using the purchaser terminal to input credit card approval information such as the order number and the price or contact the UC so as to request credit card approval and to access the bank system to perform a process relating to a bank account; by the card company's ARS system or the card company's web server to identify the purchaser through a predetermined authorization process while transmitting the credit card approval information inputted by the purchaser, and allowing the card company server to request transfer of money from a card account of the purchaser to a card account of the seller by the bank system after the authorization process; by accessing the purchaser and the seller to process account management contents or accessing the card company or the bank to process credit card approval contents of the purchaser, which is requested by the card company.
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