On-line shopping system and the method of payment settlement

Claim 2

The on-line shopping system of claim 1, further comprising an approval center for approving the payment settlement based on a second protocol different from the first protocol, and wherein the service center selects at least the payment settlement data among the received product data, the payment settlement data, and the personal data received based on the first protocol, converts the at least the payment settlement data to be a suitable data to the second protocol, and then requests the approval of the payment settlement to the approval center.

Claim 3

The on-line shopping system of claim 2, wherein the user system includes an encipherment unit for enciphering at least a part of the selected product data, the payment settlement data, and the personal data, and wherein the service center includes a decoding unit for decoding the enciphered part of the selected product data, the payment settlement data, and the personal data.

Claim 4

The on-line shopping system of claim 1, wherein the service center further includes a distribution unit for distributing the product data and the personal data for which the payment settlement has been approved, and wherein the store system further includes a delivery processing unit for receiving the product data and the personal data and then performs a delivery process of the product.

Claim 5

The on-line shopping system of claim 2, wherein the user system transmits the card data of the credit card as the payment settlement data, and wherein the approval center approves the payment settlement based on the card data.

Claim 6

The on-line shopping system of claim 5, wherein the download unit downloads the product data with the same format from a plurality of different shopping malls, the transmission unit transmits one card data as the payment settlement data for the plurality of products downloaded from the plurality of different shopping malls, and wherein the service center requests the approval center to collectively settle the plurality of products with one card data.

Claim 7

The on-line shopping system of claim 6, wherein the user system further includes a product confirmation unit for selecting a product to be purchased from the downloaded products.

Claim 8

The on-line shopping system of claim 2, wherein the approval center further includes a payment collection unit for collecting the payment based on the card data.

Claim 9

The on-line shopping center of claim 8, wherein the service center further includes an accumulation unit for summing up amounts of the payment settlement based on the card data in correspondence with each of the plurality of the approval centers.

Claim 10

The on-line shopping system of claim 2, wherein the shopping mall network is a computer network that can be accessed by a third party, and the settlement network is a network set separately between the user system and the service center.

Claim 11

The on-line shopping system of claim 10, wherein the shopping mall network is Internet.

Claim 12

The on-line shopping system of claim 11, wherein the settlement network is formed by a public line, wherein the first protocol is Point-to-Point Protocol, wherein the second protocol is a protocol which is used between the shop system and the approval center for a shopping by the credit card.

Claim 13

A payment settlement method which has a store system offering shopping malls, a user system that selects a product to be purchased from the shopping malls, a credit card company system that approves a payment settlement with a credit card, and a service center which exists among the store system, the user system and the credit card company system, the payment settlement method, comprising steps of: (a) selecting a product to be purchased from shopping malls offered by a shopping system via a shopping mall network in the user system; (b) downloading the data of the selected products from the shopping system into the user system via the shopping mall network; (c) transmitting the data of the downloaded products, the data of the credit card for the payment settlement, and the data of the purchaser of the product from the user system to the service center using a settlement network different from the shopping mall network; (d) requesting an approval of the payment settlement from the service center to the credit card company system based on the credit card data for the payment settlement; (e) approving the payment settlement in the credit card company system based on the credit card data; (f) distributing the product data approved by the credit card company system for the payment settlement and the data of the product purchaser from the service center to the store system; and (g) collecting the payment in the credit card company system from the purchaser of the product based on the credit card data.

Claim 14

The payment settlement method of claim 13, wherein the step for requesting the approval of the payment settlement includes a step of converting the received credit card data suitable to a predefined approval protocol provided by the credit card company system.

Claim 15

The payment settlement method of claim 13, wherein the step for selecting the product includes a step of selecting products from different shopping malls, and wherein the step for downloading includes a step of storing the data of products selected from different shopping malls in a same format.

Claim 16

The payment settlement method of claim 15, further comprising steps of confirming a product to be purchased based on the product data downloaded between the downloading step and the transmitting step.

Claim 17

The payment settlement method of claim 16, further comprising step of corresponding one credit card data to the plurality of products selected from the different shopping malls between the above downloading step and the transmitting step, and wherein the step for approving the payment settlement includes step of settling collectively for the plurality of products purchased based on one credit card data.

Claim 18

The payment settlement method of claim 17, further comprising step of connecting the user system to Internet as the shopping mall network to access the shopping mall.

Claim 19

The payment settlement method of claim 18, wherein the transmitting step includes a step of generating a settlement network using a public line based on Point-to-Point Protocol.