Abstract:
An information processing apparatus processes information concerning electronic commerce in which a customer receiving services offered by a service provider obtains points in accordance with the amount of money having been paid to the service provider. The information processing apparatus includes a first communication controlling device for controlling data communication with another information processing apparatus via a first network, a first recording device for recording information on a plurality of the service providers and information on a plurality of the customers receiving services from the plurality of service providers, a second communication controlling device for controlling data communication with a financial institution information processing apparatus via a second network, a payment computing device for computing an amount of money to be refunded to the customer in accordance with the number of the points the customer owns, and a signal generating device for generating a signal that requests the financial institution information processing apparatus having an account of the customer to transfer a predetermined amount of money to the account of the customer.

Description:
BACKGROUND OF THE INVENTION  
         [0001]    1. Field of the Invention  
           [0002]    The present invention relates to information processing apparatuses, storage media provided therewith, and information processing methods. More particularly the present invention relates to an information processing apparatus, a storage medium provided therewith, and an information processing method which enable the following online redemption service to be safely and securely realized in electronic commerce via a network. That is, by controlling communication with financial institutions via the network, this online redemption service computes an amount of money to be redeemed by a customer based on the points corresponding to the amount of money the customer has paid to service providers and reports the computed amount of money to the customer. In addition, a control signal is sent to a corresponding financial institution via a financial network so that the desired amount of money to be redeemed by the customer is transferred from a predetermined account to the customer&#39;s account.  
           [0003]    2. Description of the Related Art  
           [0004]    In electronic commerce on the Internet such as online shopping, when a customer purchases a product from an online store, the following system is offered to the customer in the same manner as offered in actual stores. That is, the online store issues to the customer points corresponding to the amount of money the customer pays for the product, and the customer collects the issued points. The system offers, for example, a service in which the customer receives discounts in a future transaction in accordance with the collected points.  
           [0005]    Such a conventional system, which controls the issuing and redemption of points, is not connected to a financial network. Accordingly, services offered by the system to the customer are limited to those which are provided during a direct transaction between the online store and the customer, such as the above-described discount in the future transaction at this online store. Therefore, the conventional system does not offer a variety of services to the customer. Furthermore, in this type of electronic commerce, the issuing and redemption of points is valid exclusively in each online store, and the points cannot be shared and handled among a plurality of different online stores.  
         SUMMARY OF THE INVENTION  
         [0006]    Accordingly, it is an object of the present invention to provide an information processing apparatus, a storage medium provided therewith, an information processing method which enable the realization of the following safe and secure online redemption service in electronic commerce. That is, by controlling communication with financial institutions via a network, the service computes an amount of money to be redeemed by a customer based on points corresponding to the amount of money the customer has paid to service providers and reports the computed amount of money to the customer. In addition, a control signal is sent to a corresponding financial institution via a financial network so that the desired amount of money to be redeemed by the customer is transferred from a predetermined account to the customer&#39;s account.  
           [0007]    To this end, according to a first aspect of the present invention, there is provided an information processing apparatus for processing information concerning electronic commerce in which a customer receiving services offered by a service provider obtains points in accordance with the amount of money having been paid to the service provider. The information processing apparatus includes a first communication controlling device for controlling data communication with another information processing apparatus via a first network, a first recording device for recording information on a plurality of the service providers and information on a plurality of the customers receiving services from the plurality of service providers, a second communication controlling device for controlling data communication with a financial institution information processing apparatus via a second network, a payment computing device for computing an amount of money to be refunded to the customer in accordance with the number of the points the customer owns, and a signal generating device for generating a signal that requests the financial institution information processing apparatus having an account of the customer to transfer a predetermined amount of money to the account of the customer. In the apparatus, the first communication controlling device controls communication in which a signal corresponding to the amount of money computed by the payment computing device is sent to an information processing apparatus owned by the customer and a signal corresponding to a desired amount of transfer money is received from the information processing apparatus owned by the customer, and the second communication controlling device controls communication in which the signal generated by the signal generating device is sent to the financial institution information processing apparatus and a signal representing completion of processing by the financial institution information processing apparatus is received.  
           [0008]    According to a second aspect of the present invention, an information processing method processes information concerning electronic commerce in which a customer receiving services offered by a service provider obtains points in accordance with the amount of money having been paid to the service provider. The information processing method includes a first communication controlling step for controlling data communication with another information processing apparatus via a first network, a recording step for recording information on a plurality of the service providers and information on a plurality of the customers receiving services from the plurality of service providers, a second communication controlling step for controlling data communication with a financial institution information processing apparatus via a second network, a payment computing step for computing an amount of money redeeming by the customer in accordance with the number of the points the customer owns and a signal generating step for generating a signal that requests the financial institution information processing apparatus having an account of the customer to transfer a predetermined amount of money to the account of the customer. In the method, the first communication controlling step controls communication in which a signal corresponding to the amount of money computed in the payment computing step is sent to an information processing apparatus owned by the customer and a signal corresponding to a desired amount of transfer money is received from the information processing apparatus owned by the customer, and the second communication controlling step controls communication in which the signal generated in the signal generating step is sent to the financial institution information processing apparatus and a signal representing completion of processing in the financial institution information processing apparatus is received.  
           [0009]    According to a third aspect of the present invention, a point redemption system redeems points owned by a customer for money. The point redemption system includes a receiving device for receiving a point redemption request for redeeming points owned by the customer for money. The point redemption request includes information on the number of points which is desired to be redeemed for money from among the total points owned by the customer, a transferring device for transferring, to an account of the customer, an amount of money corresponding to the desired number of points in the information included in the point redemption request from among the total points, and an updating device for updating the total points corresponding to the customer by subtracting the desired number of points in the information included in the point redemption request from the total points owned by the customer.  
           [0010]    Further objects, features and advantages of the present invention will become apparent from the following description of the preferred embodiments with reference to the attached drawings.  
       
    
    
     BRIEF DESCRIPTION OF THE DRAWINGS  
       [0011]    [0011]FIG. 1 is a block diagram showing an example construction of an overall system which is connected to an open network and a financial network;  
         [0012]    [0012]FIG. 2 is a block diagram showing the construction of a customer terminal;  
         [0013]    [0013]FIG. 3 is a block diagram showing the construction of a service provider terminal;  
         [0014]    [0014]FIG. 4 is a block diagram showing the construction of a point redemption system;  
         [0015]    [0015]FIG. 5 is a block diagram showing the construction of a point issuing system;  
         [0016]    [0016]FIG. 6 is a flowchart illustrating processing for issuing an common point ID;  
         [0017]    [0017]FIG. 7 is a diagram showing a certificate issued by a user certificate system;  
         [0018]    [0018]FIG. 8 is a diagram illustrating doubly encrypted data;  
         [0019]    [0019]FIG. 9 is a flowchart illustrating processing for accounting while a service is provided;  
         [0020]    [0020]FIGS. 10A and 10B are diagrams showing example tables constructed in the point account database;  
         [0021]    [0021]FIG. 11 is a flowchart illustrating processing for confirming an amount of money to be transferred;  
         [0022]    [0022]FIG. 12 is a flowchart illustrating point transfer processing;  
         [0023]    [0023]FIG. 13 is a diagram showing an example table constructed in the point account database; and  
         [0024]    [0024]FIG. 14 is a diagram showing an example table constructed in an electronic account book database.  
     
    
     DESCRIPTION OF THE PREFERRED EMBODIMENTS  
       [0025]    [0025]FIG. 1 shows the construction of a system obtained by using the present invention. Basically, the system includes an open network  6 , such as the Internet, a financial network  11 , and terminals connected thereto. When a customer accesses this system using one of customer terminals  1 - 1  to  1 -n, services, such as utilization of an online-shopping mall, participation in an online game, participation in an online study, and viewing of pay content, are available to the customer. When a service is provided to the customer from a service provider, the customer collects a predetermined number of points corresponding to the amount of money charged by the service provider. This allows the customer to obtain an online redemption in accordance with the cumulative sum of the collected points.  
         [0026]    The n customer terminals  1 - 1  to  1 -n, m service provider terminals  2 - 1  to  2 -m, a user certificate system  3 , a point redemption system  4 , and a point issuing system  5  are connected to the open network  6 . The user certificate system  3  is a so-called “CA” (Certificate Authority). The CA is an organization that serves to issue a certificate to authenticate a data sender as a certified group using a user certificate DB (database)  7  when data are exchanged mainly on the network. Hereinafter, as long as there is no need to distinguish the customers&#39; terminals  1 - 1  to  1 -n and the service providers&#39; terminals  2 - 1  to  2 -m individually, the customer terminals  1 - 1  to  1 -n are simply referred to as a customer terminal  1  and the service provider terminals  2 - 1  to  2 -m are simply referred to as a service provider terminal  2 .  
         [0027]    Other than a dedicated-purpose terminal, a device having a communication facility such as a personal computer, a workstation, and a game console can be used as the customer terminal  1  and the service provider terminal  2 . These terminals have functions of creating encryption keys and of making digital signature (i.e., encryption by means of their own encryption keys).  
         [0028]    The point redemption system  4  can access an electronic account book DB  8  and a point account DB  9 , and the point issuing system  5  can access the point account DB  9 . These point redemption system  4  and point issuing system  5  are interconnected and each have a feature of generating an encryption key. The point account DB  9  has, for example, a table for managing each customer&#39;s points, a financial institution with which each service provider deals, an account number of each service provider at its financial institution, and the like. The electronic account book DB  8  has history data such as when and how many points are redeemed by which customer. A point transfer dealer manages the point redemption system  4 , the point issuing system  5 , the electronic account book DB  8 , and the point account DB  9 . Although, in the present embodiment, the electronic account book DB  8  and the point account DB  9  are independent of the point redemption system  4  and the point issuing system  5 , they may be contained in the point redemption system  4  or the point issuing system  5 .  
         [0029]    The point redemption system  4  is connected via a financial gateway  10  to the financial network  11 . The financial network  11  is connected to servers of financial institutions with which each of the customer, the service provider and the point transfer dealer deals. The service provider has an account at a financial institution  12 , the customer has an account at a financial institution  13 , and the point transfer dealer has an account at a financial institution  14 . A pool account is provided at a financial institution  15  for temporarily storing money to be transferred to the customer account during point transfer. Although these financial institutions  12  to  15  are different in the present embodiment, at least some of them may be the same.  
         [0030]    [0030]FIG. 2 shows a detailed construction of the customer terminal  1 .  
         [0031]    A CPU (Central Processing Unit)  21  of the customer terminal  1  performs a variety of processing in accordance with a program stored in a ROM (Read Only Memory)  22  or a storage unit  27 . A RAM (Random Access Memory)  23  stores data and programs required for a variety of processing. An input/output interface  24  inputs to the CPU  21  a signal corresponding to an input from an input device such as a keyboard  26  and a mouse  25 . In addition, the input/output interface  24  is connected to the storage unit  27 , which includes a hard disk and an external storage device, in which the data or the programs are appropriately stored and read.  
         [0032]    The input/output interface  24  is connected to a display  28  and a communication unit  29  in which communication can be performed with other devices using electromagnetic waves, visible light, or infrared light. In addition, the input/output interface  24  is connected to a microphone  30  for obtaining audio signals and a speaker  31  for producing sound. An internal bus  32  allows the microphone  30  and the speaker  31  to be interconnected.  
         [0033]    The storage unit  27  stores a plurality of software programs such as an application program for generating the encryption key, an application program for making the digital signature, and a web browser for obtaining necessary information and for sending necessary information by referring, via the open network  6 , to services offered from the service provider terminal  2  or to data such as information on the cumulative total of the issued points.  
         [0034]    [0034]FIG. 3 shows a detailed construction of the service provider terminal  2 . A CPU  41  and an internal bus  52  of the service provider terminal  2  are identical to the CPU  21  and the internal bus  32 , respectively, shown in FIG. 2.  
         [0035]    A storage unit  47  stores a plurality of software programs such as an application program for computing the charge for each customer, the cumulative total of the issued points, and the like, an application program for creating data to be distributed to customers, and an application program for distributing the data to the customers via the open network  6 .  
         [0036]    The storage unit  47  stores data corresponding to the content distributed to the customers. When access to the content is requested from the customer terminal  1 , the CPU  41  reads the data corresponding to the requested data from the storage unit  47  and sends the data to the customer terminal  1  via an input/output interface  44 , a communication unit  49 , and the open network  6 .  
         [0037]    Alternatively, instead of storing the data in the storage unit  47 , the data may be uploaded to and stored in a predetermined server (not shown) which is connected to the open network  6 . In this case, when the customer uses the data, the customer terminal  1  accesses this server storing the data via the open network  6 .  
         [0038]    [0038]FIG. 4 shows a detailed construction of the point redemption system  4 .  
         [0039]    The point redemption system  4  includes a processor/storage device  61  having a CPU  71  and a memory  72 , communication control devices  62  and  63 , a disk I/O (input/output device)  64 , and a drive  65 . The CPU  71  reads and executes a program stored in the memory  72  in accordance with a signal received via the open network  6 . For example, the CPU  71  sends a control signal via the communication control device  63  and the financial gateway  10  to a predetermined financial institution connected to the financial network  11 , or accesses via the disk I/O  64  the electronic account book DB  8  or the point account DB  9  to retrieve necessary information or to update the contents of the accessed database with the latest information. The disk I/O  64  is connected to the drive  65  which serves to exchange data with a magnetic disk  73 , an optical disk  74 , a magneto-optical disk  75 , a semiconductor memory  76 , and the like.  
         [0040]    [0040]FIG. 5 shows a detailed construction of the point issuing system  5 .  
         [0041]    The point issuing system  5  includes a processor/storage device  81  having a CPU  91  and a memory  92 , a communication control device  82 , a disk I/O  83 , and a drive  84 . The CPU  91  reads and executes a program stored in the memory  92  in accordance with a signal received via the open network  6 . For example, the CPU  91  accesses via the disk I/O  83  the point account DB  9  to retrieve necessary information or to update the contents of the accessed database with the latest information. The disk I/O  83  is connected to the drive  84  which serves to exchange data with a magnetic disk  93 , an optical disk  94 , a magneto-optical disk  95 , a semiconductor memory  96 , and the like.  
         [0042]    As shown in FIGS. 4 and 5, the point redemption system  4  and the point issuing system  5  are described as systems constructed using a plurality of components. The features of the systems  4  and  5  may be each implemented as a single device by mounting a single component having corresponding features of the systems  4  and  5  in the single device. In addition, the systems  4  and  5  may contain the electronic account book DB  8  and the point account DB  9 . Furthermore, the point redemption system  4 , the point issuing system  5 , the point account DB  9 , and the electronic account book DB  8  may be integrated into a single device, so that the single device having equivalent features of the above-described systems and DBs may be realized.  
         [0043]    With reference to FIG. 6, processing is described in which the point redemption system  4  issues a common point ID to the customer.  
         [0044]    At step S 21 , when the CPU  21  of the customer terminal  1  requests issue of the common point ID, the CPU  71  of the point redemption system  4  reads its own public key K p4  stored in the memory  72  and sends the public key K p4  to the customer terminal  1  via the communication control device  62  and the open network  6 .  
         [0045]    At step S 1 , the communication unit  29  of the customer terminal  1  receives the public key K p4  of the point redemption system  4 , which is sent from the point redemption system  4  at step S 21 . The CPU  21  stores the received public key K p4  in the storage unit  27  via the input/output interface  24 .  
         [0046]    At step S 2 , the CPU  21  loads and executes the application program for generating the encryption key from the storage unit  27  to generate a public K p1  and a private key K s1 . The CPU  21  generates a signal for requesting the user certificate system  3  to send a public key K p3  thereof and sends the signal to the user certificate system  3  via the internal bus  32 , the input/output interface  24 , the communication unit  29 , and the open network  6 .  
         [0047]    At step S 11 , the user certificate system  3  sends its own public key K p3  and a pass phrase confirming method to the customer terminal  1  via the open network  6 . For example, in order to confirm the pass phrase, the user certificate system  3  instructs the customer to send the pass phrase specified by the customer thereto by postal delivery or the like instead of sending it via the network. At step S 12  described below, the user certificate system  3  authenticates the identification of the customer based on the matching result of the postal-delivered pass phrase and the decoded pass phrase, encrypted using the public key K p3 , which is sent from the customer terminal  1  at step S 3  described below.  
         [0048]    At step S 3 , the CPU  21  of the customer terminal  1  encrypts the pass phrase input by the customer using the public key K p3  of the user certificate system  3 , which is sent from the user certificate system  3  at step S 11 . The CPU  21  sends this encrypted pass phrase along with its own public key K p1 , which is generated at step S 2 , to the user certificate system  3  via the internal bus  32 , the input/output interface  24 , the communication unit  29 , and the open network  6 .  
         [0049]    At step S 12 , the user certificate system  3  receives the data encrypted using the public key K p3  thereof, which is sent from the customer terminal  1  at step S 3 . The received data is decoded into the pass phrase using a private key K p3  thereof and then the pass phrase is confirmed. As a result of the confirmation, when the data is confirmed to be sent from the authenticated customer, a certificate is generated by signing the public key K p1  of the customer using the private key K s3  of the user certificate system  3 , which means that the hash value of the public key K p1  is encrypted using the private key K s3  and is attached to the certificate. The user certificate system  3  sends the certificate to the customer terminal  1  via the open network  6  while allowing the user certificate DB  7  to store information on the authenticated customer. FIG. 7 shows the certificate issued by the user certificate system  3 .  
         [0050]    At step S 4 , the communication unit  29  of the customer terminal  1  receives the certificate, which is sent from the user certificate system  3  at step S 12 . The received certificate is input to the CPU  21  via the input/output interface  24  and the internal bus  32 . The CPU  21  decodes the certificate using the public key K p3  of the user certificate system  3  and confirms the authentication of the certificate with respect to its own public key K p1 . Using the public key K p4  of the point redemption system  4 , the CPU  21  encrypts a user registration request, and a random password and an account number of the customer which are encrypted using the private key K s1  of the customer. These encrypted data are sent to the point redemption system  4 .  
         [0051]    [0051]FIG. 8 shows this transmission data  101 . The user registration request can be decoded using the private key K s4  of the point redemption system  4 . However, without the public key K p1  of the customer, data  111  including the random password and the account number cannot be decoded.  
         [0052]    At step S 22 , the communication control device  62  of the point redemption system  4  receives the data  101 , which is sent from the customer terminal  1  at step S 4 . The data  101  is input to the CPU  71  in which its own private key K s4  is read from the memory  72  and the input data  101  is decoded using it. However, since the data  111  is encrypted using the private key K s1  of the customer, it cannot be decoded at this moment. The CPU  71  confirms the user registration request, generates a signal for requesting the certificate of the customer to the user certificate system  3 , and sends the signal to the user certificate system  3  via the communication control device  62  and the open network  6 .  
         [0053]    At step S 13 , the user certificate system  3  receives the request of the certificate of the customer, which is sent from the point redemption system  4  at Step S 22 . The certificate of the corresponding customer is sent to the point redemption system  4  via the open network  6 .  
         [0054]    At step S 23 , the communication control device  62  of the point redemption system  4  receives the certificate which is sent from the user certificate system  3  at step S 13 . The certificate is input to the CPU  71 . Using the public key K p1  of the customer included in the received certificate, the CPU  71  decodes the random password and the account number included in the still-encrypted data  111 , which is included in the data  101  received at step S 22 . When necessary, the CPU  71  authenticates the customer account by querying the financial institution  13  having the customer account concerning the trade reference and the like via the communication control device  63 , the financial gateway  10 , and the financial network  11 . The CPU  71  accesses via the disk I/O  64  the point account DB  9  to add a record having a description of the random password and the account number to the point account DB  9 . The common point ID of this customer is generated and is encrypted using the public key K p1  of the customer. The encrypted common point ID is sent to the customer terminal  1  via the communication control device  62  and the open network  6 .  
         [0055]    At step S 5 , the communication unit  29  of the customer terminal  1  receives the common point ID which is sent from the point redemption system  4  at step S 23 . The common point ID is sent to the CPU  21  in which the common point ID is decoded using the private key K s1  read from the memory  72  and is stored in the memory  72 . Finally, the processing for issuing the common point ID issuing processing is completed.  
         [0056]    With reference to FIG. 9, accounting processing is described when the customer uses the service.  
         [0057]    At step S 51 , when receiving a request from the CPU  21  of the customer terminal  1 , the CPU  91  of the point issuing system  5  sends a public key K p5  of the point issuing system  5  stored in the memory  92  to the customer terminal  1  via the communication control device  82  and the open network  6 .  
         [0058]    At step S 31 , the communication unit  29  of the customer terminal  1  receives the public key K p5  which is sent from the point issuing system  5  at step S 51 . The CPU  21  of the customer terminal  1  stores the public key K p5  in the storage unit  27  via the input/output interface  24 .  
         [0059]    At step S 32 , the customer specifies his or her desired service (service provider) using the keyboard  26  or the mouse  25 . A signal corresponding to the specified service is input to the CPU  21  via the input/output interface  24  and the internal bus  32 . The CPU  21  generates data corresponding to an input screen for the common point ID and the random password, and causes the display  28  to show the input screen via the internal bus  32  and the input/output interface  24 . The customer inputs the common point ID and the random password in accordance with instructions on the input screen. The signal corresponding to the input by the customer via the input/output interface  24  and the internal bus  32  is sent to the CPU  21  in which the input common point ID and the random password are encrypted using the public key K p5  of the point issuing system  5  read from the storage unit  27 . These encrypted data are sent to the service provider  2  via the internal bus  32 , the input/output interface  24 , the communication unit  29 , and the open network  6 .  
         [0060]    At step S 41 , the communication unit  49  of the service provider terminal  2  receives the common point ID and random password, encrypted using the public key K p5 , which are sent from the customer terminal  1  at step S 32 . These encrypted common point ID and random password are input to the CPU  41  via the input/output interface  44  and the internal bus  52 . The CPU  41  confirms the network address of the sender and the like (non-encrypted information) from the input signal. If necessary, these data are temporarily stored in the RAM  43  or the storage unit  47 . The CPU  41  sends the received signal including the common point ID and the random password, which are encrypted using the public key K p5 , to the point issuing system  5  via the internal bus  52 , the input/output interface  44 , the communication unit  49 , and the open network  6 .  
         [0061]    At step S 52 , the communication control device  82  of the point issuing system  5  receives the common point ID and the random password, which are encrypted using the public key K p5 . These received data are sent to the CPU  91  in which a private key K s5  of the point issuing system  5  is read from the memory  92  and the received signal is decoded using the private key K s5 . The CPU  91  accesses the point account DB  9  to authenticate that the data sender is a registered customer by confirming the common point ID and the random password based on the data stored in the point account DB  9 . The CPU  91  notifies the result of the authentication to the service provider terminal  2  via the communication control device  82  and the open network  6 .  
         [0062]    At step S 42 , the communication unit  49  of the service provider terminal  2  receives the notification of the result of the authentication, which is sent from the point issuing system  5  at step S 52 . The notification is input, via the input/output interface  44  and the internal bus  52 , to the CPU  41  in which this notification is confirmed and data corresponding to a list of services available to the customer is generated. The generated data is sent to the customer terminal  1  via the internal bus  52 , the input/output interface  44 , the communication unit  49 , and the open network  6 .  
         [0063]    At step S 33 , the communication unit  29  of the customer terminal  1  receives the data corresponding to the list of the available services. The CPU  21  causes the display  28  via the input/output interface  24  to show the received data. The customer selects a desired service by referring to a menu screen on the display  28 . A signal corresponding to the customer&#39;s selection is input from the keyboard  26  or the mouse  25  to the CPU  21  via the input/output interface  24  and the internal bus  32 . The CPU  21  sends the input signal corresponding to the customer&#39;s selection to the service provider terminal  2  via the internal bus  32 , the input/output interface  24 , the communication unit  29 , and the open network  6 .  
         [0064]    At step S 43 , the communication unit  49  of the service provider terminal  2  receives the signal indicating the customer&#39;s selection, which is sent from the customer terminal  1  via the open network  6 . The received signal is input via the input/output interface  44  and the internal bus  52  to the CPU  41  in which an item menu corresponding to the selected service is read based on the received signal from the storage unit  47  via the internal bus  52  and the input/output interface  44 . The read item menu is distributed to the customer terminal  1  via the communication unit  49  and the open network  6 .  
         [0065]    At step S 34 , the communication unit  29  of the customer terminal  1  receives the item menu, which is distributed from the service provider terminal  2  at step S 43 . The CPU  21  causes the display  28  to show the received contents menu via the input/output interface  24 . The customer looks through the item menu shown on the display  28  and, for example, purchases a product on an online shopping mall. The CPU  21  performs processing for a variety of services in accordance with a signal which is input, via the input/output interface  26  and the internal bus  32 , by the customer using the keyboard  26 , the mouse  25  or the like. The input signal is sent to the service provider terminal  2  via the internal bus  32 , the input/output interface  24 , the communication unit  29 , and the open network  6 .  
         [0066]    At step S 44 , the communication unit  49  of the service provider terminal  2  receives the signal representing the operation of the customer, which is sent from the customer terminal  1 . The received signal is input to the CPU  41  via the input/output interface  44  and the internal bus  52 . The CPU  41  computes, based on the received signal, the charge to the customer for the service offered by the service provider in accordance with information concerning the product purchased at the online store, the quantity of the purchased products, the accessed period to an online game, and the like. The computed charge along with the service provider ID and the customer common point ID is sent to the point redemption system  4  via the internal bus  52 , the input/output interface  44 , the communication unit  49 , and the open network  6 . In this case, the service provider ID is a unique identification number that is given to the service provider when it joins this system.  
         [0067]    At step S 61 , the CPU  71  of the point redemption system  4  generates a control signal for causing the account number of the customer and the account number of the service provider to be retrieved by querying the point account DB  9  based on the service provider ID and the customer common point ID, which are sent from the service provider terminal  2  at step S 44 , and for causing the computed charge to be transferred from the customer account to the service provider account. The control signal is sent to the financial gateway  10  via the communication control device  63 . Since the financial gateway  10  has a transaction routing feature, it assigns a server via the financial network  11  to process each transaction which constitutes each of the operations corresponding to the input control signal, so that the assigned server performs the assigned transaction.  
         [0068]    [0068]FIGS. 10A and 10B show example tables constructed in the point account DB  9 . FIG. 10A shows the construction of a service provider table. The service provider table includes the service provider ID, the corresponding financial institution ID and the account number in the corresponding financial institution. FIG. 10B shows the construction of a point management table. The point management table includes information on customers (the common point ID, the password, the financial institution ID, and the account number in the corresponding financial institution), the number of collected points, the date of acquisition thereof, the expiry date thereof, the service provider ID of the service provider responsible for these points collected by the customer, and the redemption rate. For example, based on these two tables shown in FIGS. 10A and 10B, the point transfer dealer creates a query which includes the total of the issued points for each service provider, and the financial institution ID and the account number of the financial institution of the service provider. This created query allows the point transfer dealer to make a bill for each service provider.  
         [0069]    At step S 45 , the CPU  41  of the service provider terminal  2  computes the issued points based on the charge to the customer, which is computed at step S 44 . The computation result of the issued points is sent to the point issuing system  5  via the internal bus  52 , the input/output interface  44 , the communication unit  49 , and the open network  6 .  
         [0070]    At step S 53 , the communication control device  82  of the point issuing system  5  receives the computation result of the issued points, which is sent from the service provider terminal  2  at step S 45 . The computation result is input to the CPU  91 . The CPU  91  accesses via the disk I/O  83  the point account DB  9  to update the point management table of the point account DB  9  based on the received result of the issued points. The CPU  91  sends the updated result to the service provider terminal  2  via the communication control device  82  and the open network  6  while sending a signal notifying the update of the point management table to the point redemption system  4 .  
         [0071]    At step S 62 , the communication control device  62  of the point redemption system  4  receives the signal notifying the update of the point management table. This signal is input to the CPU  71 . At step S 53 , the CPU  71  accesses via the disk I/O  64  the point account DB  9  to generate a control signal for transferring an amount of money corresponding to the issued points to the pool account at the financial institution  15  based on the point management table updated by the point issuing system  5 . The generated signal is sent to the server of the financial institution  14  having the point transfer dealer account via the communication control device  63 , the financial gateway  10 , and the financial network  11 . This causes an amount of money corresponding to the issued points to be transferred from the point transfer dealer account to the pool account at the financial institution  15 .  
         [0072]    At step S 46 , the communication unit  49  of the service provider terminal  2  receives the update result of the point account DB  9  which is sent from the point issuing system  5  at step S 53 . The received update result is input to the CPU  41  via the input/output interface  44  and the internal bus  52 . The CPU  41  generates the image data shown on the display  28  of the customer terminal  1  in which the latest number of the issued points and the like are reflected based on the received update result. The generated image data is provided to the customer terminal  1  via the internal bus  52 , the input/output interface  44 , the communication unit  49 , and the open network  6 .  
         [0073]    At step S 35 , the communication unit  29  of the customer terminal  1  receives the generated image data, which is sent from the service provider terminal  2  at step S 46 . The CPU  21  outputs via the input/output interface  24  the received image data to the display  28  in which the collected points and the like are shown. Finally, processing for accounting is completed.  
         [0074]    With reference to FIG. 11, processing for confirming the amount of money to be transferred by the customer is described.  
         [0075]    At step S 71 , the CPU  21  of the customer terminal  1  generates a signal for requesting the balance of the collected points. The generated signal is sent to the point redemption system  4  via the internal bus  32 , the input/output interface  24 , the communication unit  29 , and the open network  6 .  
         [0076]    At step S 81 , the communication control device  62  of the point redemption system  4  receives the generated signal, which is sent from the customer terminal  1  at step S 71 . The received signal is input to the CPU  71  in which a signal for requesting the common point ID input and the random password input is generated. The signal is sent to the customer terminal  1  via the communication control device  62  and the open network  6 .  
         [0077]    At step  72 , the communication unit  29  of the customer terminal  1  receives the signal requesting input of the common point ID and the random password. The received signal is input to the CPU  21  via the input/output interface  24  and the internal bus  32 . The CPU  21  generates data corresponding to an input screen for the common point ID and the random password. The display  28  shows the generated data via the internal interface  32  and the input/output interface  24 . The customer examines the input screen, and enters the common point ID and the random password using the keyboard  26 . A signal corresponding to the input common point ID and the input random password are input to the CPU  21  via the input/output interface  24  and the internal bus  32 . The CPU  21  encrypts the signal using the public key K p4  of the point redemption system  4 , which is received and stored in the storage unit  27  at step S 1  in FIG. 6. The CPU  21  sends the encrypted signal to the point redemption system  4  via the internal bus  32 , the input/output interface  24 , the communication unit  29 , and the open network  6 .  
         [0078]    At step S 82 , the communication control device  62  of the point redemption system  4  receives the encrypted signal using the public key K p4 , which is sent from the customer terminal  1  at step S 72 . The encrypted signal is input to the CPU  71  in which the received signal is decoded using the private key K s4  read from the memory  72 , whereby the common point ID and the random password are confirmed. The CPU  71  accesses via the disk I/O  64  the point account DB  9  to compute money to be transferred corresponding to the customer based on the point management table, a cumulative total point table in the point account table DB  9  in shown in FIG. 13, and a point transfer table in the electronic account book DB  8  shown in FIG. 14. The computation result is sent to the customer terminal  1  via the communication control device  62  and the open network  6 .  
         [0079]    At step S 73 , the communication unit  29  of the customer terminal  1  receives the computation result of the amount of money to be transferred, which is computed in the point redemption system  4  at step S 82 . The computation result is input to the CPU  21  in which data corresponding to a screen for displaying the amount of money to be transferred is generated based on the computation result. The generated data causes the display  28  to show the amount of money to be transferred. Finally, processing for confirming is completed.  
         [0080]    With reference to the flowchart in FIG. 12, processing is described in which the customer receives online redemption by transferring points.  
         [0081]    At step S 91 , the customer inputs a desired amount of transfer money using the keyboard  26 . The signal corresponding to the input by the customer is input to the CPU  21 . The CPU  21  computes the hash value of the desired amount of transfer money to perform the signature using its own private key K s1 . In addition, the CPU  21  reads, from the storage unit  27 , the public key K p4  of the point redemption system  4 , which is received and stored in the storage unit  27  at step S 1  in FIG. 6, and encrypts using the read public key K p4  the desired amount of transfer money, its own digital signature, and the certificate issued from the user certificate system  3 . The encrypted data is sent to the point redemption system  4  via the internal bus  32 , the input/output interface  24 , the communication unit  29 , and the open network  6 .  
         [0082]    At step S 101 , the communication control device  62  of the point redemption system  4  receives the encrypted data, which is sent from the customer terminal  1  at step S 91 . The encrypted data is input to the CPU  71  in which the received data is decoded using its own private key K s4  read from the memory  72  and the presence of falsification of the decoded data is confirmed.  
         [0083]    When it is confirmed that no falsification is made to the data which is sent from the customer, the CPU  71  accesses via the disk I/O  64  the point account DB  9  to, for example, update the cumulative total point table having, as shown in FIG. 13, the customer common point ID, the balance of the points, the transfer date, the number of the transfer points, and the number of the remaining points. For example, in FIG. 13, since the customer having a common point ID of 100001001 transfers 15000 points out of 16500 points on Aug. 8, 1999, the cumulative total point table is updated so that the number of the current remaining points is 1500 points.  
         [0084]    The CPU  71  accesses via the disk I/O  64  the electronic account book DB  8  to primarily enter necessary data in the point transfer table, as shown in FIG. 14, having the primary entry date, the final entry date, the common point ID, the number of the transfer points, the amount of transfer money, and the redemption rate. For example, FIG. 14 indicates that the customer having a common point ID of 100001013 gets the amount of transfer money of 8000 yen by transferring 10000 points by a redemption rate of 80 percent. The redemption rate may be raised or lowered during the limited period of time. Alternatively, the redemption rate may be raised when points are desired to be redeemed for other than cash. At this point, the final entry date is not entered.  
         [0085]    After the above processing, the CPU  71  generates a control signal which allows a desired amount of transfer money to be transferred to a specified account. The generated signal is sent to the financial gateway  10  via the communication control device  63 .  
         [0086]    At step S 111 , the financial gateway  10  performs protocol conversion and transaction routing on the signal, which is sent from the point redemption system  4  at step S 101 . Since the financial gateway  10  has the transaction routing feature, it assigns a server, via the financial network  11 , to process each transaction which constitutes each of the operations corresponding to the input control signal, so that the assigned server performs the assigned transaction.  
         [0087]    At step S 121 , the server of the financial institution  15  having the pool account transfers the desired amount of money to the customer account at the financial institution  13  in accordance with the control signal sent via the financial network  11 . At step S 131 , the server of the financial institution  13  having the customer account receives a predetermined amount of money, which is transferred from the pool account at the financial institution  15  at step S 121 . The transfer result is sent to the server of the financial institution  15  having the pool account.  
         [0088]    At step S 122 , the server of the financial institution  15  having the pool account confirms the transfer result, which is sent from the server of the financial institution  13  having the customer account at step S 131 . The acknowledgement signal is sent via the financial network  11  to the financial gateway  10  in order to be sent to the point redemption system  4 .  
         [0089]    At step S 112 , the financial gateway  10  performs protocol conversion on the signal, which is on its way to the point redemption system  4  from the server of the financial institution  15  having the pool account. The converted signal is sent to the point redemption system  4 .  
         [0090]    At step S 102 , the communication control device  63  of the point redemption system  4  receives the acknowledgement signal, which is sent from the server of the financial institution  15  having the pool account at step S 122  and which is protocol-converted by the financial gateway  10  at step S 112 . The acknowledgement signal is input to the CPU  71  which confirms whether the point transfer is appropriately executed. In addition, the CPU  71  accesses via the disk I/O  64  the electronic account book DB  8  to perform final entry on the point transfer table as shown in FIG. 14. This means that the final entry date field, which is not updated at step S 101 , is updated. Finally, the CPU  71  sends a signal representing completion of the transfer processing to the customer terminal  1  via the communication control device  62  and the open network  6 .  
         [0091]    At step S 92 , the communication unit  29  of the customer terminal  1  receives the signal representing completion of the transfer processing, which is sent from the point redemption system  4  at step S 102 . This signal is input to the CPU  21  via the input/output interface  24  and the internal bus  32 . The CPU  21  generates, based on the input signal, data corresponding to confirmation screen for completion of transfer processing and causes the display  28  to show, via the internal bus  32  and the input/output interface  24 , the generated data. Finally, the transfer processing is completed.  
         [0092]    The above-described sequence of processing may be implemented not only by hardware but also by software. When the sequence of processing is carried out by software, a computer in which a customized hardware has a program that constitute the software incorporated therein (for example, the CPU  71  in FIG. 4 or the CPU  91  in FIG. 91) may be used. Alternatively, a general-purpose personal computer which has a program constituting the software installed therein may be used.  
         [0093]    A storage medium for storing the program is independent of the computer and is distributed for providing the program to users. As shown in FIG. 4 and FIG. 5, the storage medium for storing the program is constituted by package media including the magnetic disks  73  and  93  (including a floppy disk), the optical disks  74  and  94  (including CD-ROM (Compact Disk-Read Only Memory) or DVD (Digital Versatile Disk)), the magneto-optical disks  75  and  95  (including MD (Mini-Disk)), and the semiconductor memories  76  and  96 . Alternatively, it may be constituted by the storage medium for storing the program, such as the memory  92  of the processor/storage device  81  or the like which are preinstalled in the customized hardware and then provided to users.  
         [0094]    In the present embodiment, the steps which constitute the program stored in the storage medium are not necessarily sequentially executed in accordance with the described order. Some of them may be executed in parallel or may be separately executed.  
         [0095]    In the present embodiment, the system means an overall apparatus that is constituted by a plurality of devices.