ELECTRONIC SETTLEMENT SYSTEM, METHOD THEREFOR, SETTLEMENT SERVER USED THEREIN, COMMUNICATION TERMINAL, AND PROGRAM

Title:

ELECTRONIC SETTLEMENT SYSTEM, METHOD THEREFOR, SETTLEMENT SERVER USED THEREIN, COMMUNICATION TERMINAL, AND PROGRAM

Document Type and Number:

WIPO Patent Application WO/2007/018119

Kind Code:

A1

Abstract:

To provide a safe, low-cost, highly convenient settlement system wherein the usage of existing communication terminals is permitted, while no expensive settlement terminals are required; no local communication is required, while both a seller and a buyer can use the settlement system even if they are remote from each other; and a closed-loop type of electronic money can be used for later payments. There are provided, as equipments of a communication provider, an account database (6) that manages the accounts of sellers and buyers (users); and a settlement server (5) that performs electronic settlement processings between the sellers and the buyers. The settlement server (5) comprises a primary settlement server (3) and a secondary settlement server (4). When receiving a settlement request from a user via a communication network (10), the primary settlement server (3) refers to the account database (6) to perform, by use of electronic money, a real-time settlement processing as a primary settlement between the accounts of the users, that is, the seller and the buyer. A secondary settlement is made between a financial agency (13) and the secondary settlement server (4) at a predetermined later time.

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Inventors:

FUJITA NAOTAKE (JP)
TOMIYAMA TAKUJI (JP)
SAKAGUCHI YASUHIKO (JP)
MISU TOSHIYUKI (JP)

Application Number:

PCT/JP2006/315398

Publication Date:

February 15, 2007

Filing Date:

August 03, 2006

Export Citation:

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Assignee:

NEC CORP (JP)
FUJITA NAOTAKE (JP)
TOMIYAMA TAKUJI (JP)
SAKAGUCHI YASUHIKO (JP)
MISU TOSHIYUKI (JP)

International Classes:

G06Q20/00

Domestic Patent References:

WO2002008981A1

2002-01-31

Foreign References:

JP2003123008A	2003-04-25
JP2005115876A	2005-04-28
JP2004341905A	2004-12-02
JP2002537618A	2002-11-05
JP2001134684A	2001-05-18
JP2001290944A	2001-10-19
JP2002288484A	2002-10-04

Other References: