JP2001297282A - Clearance management system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a clearance management system which enables instantaneous cleaning with high safety and at a low cost. SOLUTION: This clearance management system uses a computer device and is equipped with a customer information storage part 12 which stores prepayment balance information on a customer's purchasable amount by customers, a store information storage part 13 which stores held amount information on a store by stores, and a control means 10 which withdraws a purchase amount from the prepayment balance corresponding to a customer having a purchase at a store in the customer information storage part 12 and adds the withdrawn amount to the store held amount in the store information storage part 13 corresponding to the store where the customer has the purchase to perform clearing; and then the purchase amount is withdrawn from the prepayment balance according to the input of purchase information and added to the store held amount to enable instantaneous cleaning. Further, it is not necessary to input a credit card number, the safety is very high, and the remittance cost is saved.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a settlement management system which can be used mainly for electronic commerce using a communication line.

[0002]

2. Description of the Related Art In recent years, with the explosive spread of the Internet, electronic commerce such as online shopping has been actively performed. As a settlement method in such e-commerce, conventional settlement methods such as postal transfer and bank transfer are also performed, but due to the complexity of having to go to a post office or a bank, settlement on a network is performed. Electronic payments are also becoming increasingly popular.

[0003] As the above-mentioned electronic payment method, a method using a credit card or a prepaid card is generally used, and recently, an electronic credit for performing an account transfer online, and a debit card system capable of immediate payment are also used. It has become.

[0004]

However, in the settlement using a credit card, the credit card number must be input and transmitted, and the credit number flowing on the Internet may be stolen. There is a problem with the surface. In addition, the payment by the prepaid card method is highly secure, but is used only for small payments of up to several thousand yen, and the actual use is limited. Furthermore, in the electronic credit method, there is a problem that although it is convenient for the customer because it is not possible to make an immediate payment after payment, it is difficult for a shop or the like to use the electronic credit method because the risk of unpaid payment increases. Also,
In the debit card system, although immediate settlement is possible, there is a problem that remittance is performed via a plurality of financial institutions on the system, so that remittance cost is high. Under such circumstances, there has been a strong demand for the development of a payment system that is highly secure and can perform instant payment at low cost.

[0005] The present invention has been made in view of such circumstances, and has as its object to provide a payment management system that is highly secure, can be settled instantly at low cost.

[0006]

In order to achieve the above object, a settlement management system according to the present invention is a settlement management system using a computer device. A first remittance means for transferring a prepaid money through a communication line to a settlement management account for performing settlement management of the purchase, and the purchase within the above prepaid money based on input of purchase information for the customer to make a purchase at the store. Settlement means for performing settlement by deducting the purchase amount according to the above, and at an appropriate time after the settlement, transferring at least a part of the debit amount from the settlement management account to the store account held by the store via a communication line. The first gist is to include the second remittance unit.

Further, the settlement management system of the present invention is a settlement management system using a computer device, and includes a customer information storage unit in which the prepaid balance information of a customer who can purchase the customer is stored for each customer; The store information storage unit in which the retained money information is stored for each store, and the purchase amount from the prepaid balance corresponding to the customer who made the purchase in the customer information storage unit based on the input of the purchase information in which the customer purchases at the store. The second gist of the present invention is to provide a settlement means for adding the debit amount to a store holding money corresponding to the store where the purchase has been made in the store information storage unit and performing settlement.

Further, the settlement management system of the present invention is a settlement management system using a computer device, wherein a customer information storage unit in which prepaid information of a plurality of customers is stored for each customer, and the customer performs remittance. Based on your remittance information,
The remittance amount is deducted from the prepaid balance corresponding to the customer who made the remittance in the customer information storage unit, and this debited amount is
A third aspect is provided with a settlement means for adding a prepaid amount corresponding to another customer to the customer information storage unit and performing settlement.

[0009] That is, the first settlement management system of the present invention transfers a prepaid money from a customer account held by the customer to a settlement management account for performing settlement management of the purchase via a communication line prior to purchase of the customer. A first remittance means, a settlement means for deducting a purchase amount related to the purchase within a range of the advance payment based on input of purchase information for a customer to make a purchase at a store, and an appropriate time after the settlement And a second remittance means for transferring at least a part of the debit amount from the settlement management account to a store account held by the store via a communication line. For this reason, by transferring the estimated purchase amount to the settlement management account in advance, there is no possibility that receivables will be generated, and immediate settlement becomes possible. In addition, the store can collectively transfer the price to a store account and reduce the remittance cost. Furthermore, remittance is not required to go to a bank or a post office, which is extremely convenient.

In the second settlement management system according to the present invention, a customer information storage unit in which the prepaid balance information of a customer who can purchase the customer is stored for each customer, and the deposit information of the store is stored for each store. The purchase amount is deducted from the prepaid balance corresponding to the customer who made the purchase in the customer information storage unit based on the input of the purchase information in which the customer makes a purchase in the store. Settlement means for adding to the store holding money corresponding to the store where the purchase has been made in the information storage unit and making settlement. For this reason, the purchase price can be deducted from the prepaid balance based on the input of the purchase information, added to the store holding money, and settled immediately. Moreover, it is not necessary to input a credit card number and the like, so that the security is extremely high and the remittance cost can be reduced.

In the settlement management system according to the present invention, prior to the purchase of the customer, the prepaid money is transferred from the customer account held by the customer to the settlement management account for performing the settlement management. If at least a part of the money held by the store is transferred from the payment management account to the store account held by the store, by transferring the estimated purchase amount to the payment management account in advance,
Eliminates the possibility of receivables and allows immediate settlement. In addition, the store can collectively transfer the money to a store account to some extent, thereby reducing the remittance cost.

[0012] In the settlement management system according to the present invention, at least one of the transfer of the prepaid money from the customer account to the settlement management account and the transfer of the store deposit from the settlement management account to the store account is performed via a communication line. When it is performed, remittance is performed without going to a bank or post office, which is extremely convenient.

In the settlement management system according to the present invention, the transfer of the prepaid money from the customer account to the settlement management account is performed when the customer himself / herself inputs the prepaid amount information via the communication line. Is very convenient because it allows transfer of the prepaid money from a customer account to a settlement management account without having to go to a bank or a post office.

In the settlement management system according to the present invention, when the purchase information for the customer to make a purchase at the store is inputted by the customer himself / herself through the communication line, the information inputted in the online commerce and the like. Can be diverted to settlement as it is. Therefore, the settlement of the electronic commerce using the communication line can be performed efficiently, securely, and at low cost.

In the settlement management system according to the present invention, a customer account is registered in advance, and by registering the customer account, customer identification information is set for each customer. If the customer is authenticated by inputting the customer identification information, the customer is authenticated prior to the transaction, so that the security of the transaction is increased.

In the settlement management system of the present invention, when the customer identification information of the customer who has made a purchase at the store and the purchase information related to the purchase can be transmitted to the store at which the purchase has been made. The store knows which customer and what kind of transaction has been made, which is convenient for recording and management.

In the settlement management system according to the present invention, if the remaining amount available for purchase after the withdrawal can be transmitted to the customer, the remaining amount available for purchase is known to the customer and is used as a guideline for new preliminary payment. Can be convenient.

In the settlement management system of the present invention, if the store holding money can be transmitted to the store, the sales amount can be known to the store, which is convenient.

In the settlement management system according to the present invention, the remittance amount is deducted from the prepaid balance corresponding to the remittance customer in the customer information storage section based on the remittance information input by the customer for remittance. In the case where payment is made by adding to the prepaid amount corresponding to another customer in the customer information storage section, remittance between customers can be settled, which is extremely convenient.

Further, the third payment management system of the present invention provides a customer information storage unit in which prepaid money information of a plurality of customers is stored for each customer, and a customer information storage unit which performs remittance information by the customer. Settlement means for withdrawing the remittance amount from the prepaid balance corresponding to the customer who made the remittance in the information storage unit, adding the withdrawn amount to the prepaid amount corresponding to the other customer in the customer information storage unit, and performing settlement. ing. For this reason,
Based on the input of the remittance information by the customer, the remittance amount can be deducted from the advance payment, added to the advance payment of another customer, and settled immediately. Further, it is not necessary to input a credit card number or the like, so that the security is extremely high and the remittance cost can be reduced. Furthermore, remittance is not required to go to a bank or a post office, which is extremely convenient.

In the settlement management system of the present invention, electronic money corresponding to the advance payment is issued by the advance payment of the customer,
When the settlement by the settlement means is performed by electronic money, a customer balance database storing the balance of electronic money corresponding to the customer's prepaid balance, and a store balance storing the balance of electronic money corresponding to the store deposit In the case of having a database, it is not necessary to input a credit card number or the like, so that the security is extremely high and the remittance cost can be reduced.

In the settlement management system of the present invention, when a settlement management data storage unit for storing data relating to settlement management is stored, and the transaction details are stored in the settlement management data storage unit, Transaction details are stored and can be used by customers and stores for confirmation of transactions.

The settlement management system according to the present invention has a settlement management data storage unit for storing data relating to settlement management, and the settlement management data storage unit includes a settlement management balance database for storing electronic money balance. For example, it is convenient to be able to collect payment and transaction fees with electronic money.

In the present invention, “purchase” is not limited to the act of purchasing a product or service. For example, donations, donations, loans, benefits, payments, gifts, etc.
The purpose is to include the entire act of paying money as a result. Therefore, in the present invention, "store"
The “customer” is not limited to stores that sell goods and services, but includes natural people, corporations, organizations, etc. who are paid by the above various acts. However, the present invention is not limited to the above and includes general persons, corporations, organizations, and the like who pay money by the above various acts.

[0025]

Next, embodiments of the present invention will be described in detail.

FIG. 1 is a block diagram showing one embodiment of the settlement management system of the present invention. In the figure, reference numeral 1 denotes an authentication settlement server, which is connected to the Internet via a route control device and a telephone line.

2n are customer terminals operated by the customer, and 3a, 3b... 3n are store terminals operated by the store. The customer terminals 2a, 2b
.. 2n and store terminals 3a, 3b.
It has an input unit such as a keyboard and a mouse, as well as a display unit such as an RT and an LCD. Then, the customer terminal 2a,
2n and the store terminals 3a, 3b... 3n are connected to the Internet similarly to the authentication settlement server 1.

Reference numeral 7 denotes a financial institution, which is connected to the authentication and settlement server 1 via a communication line. The above financial institutions 7
Are customer accounts 4a and 4
b ... 4n and a store account 6 that the store holds and deposits
a, 6b... 6n are established. Further, when a transaction such as a purchase is made between the customer and the store, a settlement management account 5 for performing settlement management of the purchase amount is established.

Then, prior to the purchase of the customer, a prepaid money is transferred from the customer accounts 4a, 4b... 4n to the settlement management account 5. In addition, the authentication settlement server 1 deducts the purchase amount related to the purchase within the range of the prepaid money transferred from the customer accounts 4a, 4b,... 4n based on the input of the purchase information for the customer to make a purchase at the store. Settlement is made. 6n, at least a part of the debit amount is transferred from the settlement management account 5, and the purchase amount is collected by the store.

FIG. 2 is a system configuration diagram showing the authentication settlement server 1. In the figure, reference numeral 10 denotes a control means, which is composed of a CPU and the like, controls various parts, transfers data,
Various operations and temporary storage of data are performed.
Reference numeral 9 denotes input / output control means, which are customer terminals 2a, 2b... 2n and store terminals 3a, 3 connected via the Internet.
3n and data input from the financial institution 7, customer terminals 2a, 2b... 2n, store terminals 3a, 3b.
3n and the data output to the financial institution 7 are controlled.

Reference numeral 11 denotes a program storage unit, in which a main program is stored. This main program is
A program that is used in the control unit 10 and that reads and writes and changes data in the customer information storage unit 12 and the store information storage unit 13 and a program that sets customer authentication information (ID and password), as described later. , A program for authenticating the customer, a program for notifying the amount of use, a program for settingtle the transaction between the customer and the store, a program for instructing remittance to the financial institution 7, and the like.

Reference numeral 12 denotes a customer information storage unit which stores a customer file 22 created for each registered customer. The customer file 22 contains the customer ID and password set for each registered customer, account information such as the account number of the customer account 4 held by the customer, and the transfer from the customer account 4 to the settlement management account 5. Information unique to the customer, such as the prepaid amount of the prepaid money, is recorded. Although not shown, various customer-specific information such as name, address, date of birth, telephone number, facsimile number, and mail address are also recorded in the customer file 22.

A store information storage unit 13 stores store files 23 created for each store. Each of the store files 23 includes a store ID and a password set for each registered store, account information such as an account number of a store account 6 held by the store, a store purchased by a customer and deducted from a deposit. Store-specific information such as the amount of the deposit is recorded. Although not shown, various store-specific information such as a name, a type of business, an address, a telephone number, a facsimile number, and a mail address are also recorded in the store file 23.

The control means 10 issues a remittance instruction to the financial institution 7 and issues an instruction to transfer a prepaid money from the customer accounts 4a, 4b... 4n to the settlement management account 5 before the customer purchases. It is supposed to do. This remittance instruction is performed based on the prepaid amount information transmitted from the customer terminals 2a, 2b... 2n to the authentication settlement server 1 by inputting prepaid amount information to the customer terminals 2a, 2b. Will be

The control means 10 inputs purchase information such as a store name, a product name, and a purchase amount purchased by the customer, and stores the customer file relating to the customer who made the purchase in the customer information storage unit 12. 22 is deducted from the prepaid amount stored in the store information storage unit 13, and the deducted amount is added to the store holding money in the store file 23 of the store where the purchase has been made stored in the store information storage unit 13 to perform the settlement. It is supposed to do. Here, the purchase information is input by the customer himself / herself by inputting purchase information such as a store name, a product name, and a purchase price into the customer terminals 2a, 2b,.
The purchase information is transmitted from a, 2b... 2n to the authentication settlement server 1.

Further, the control means 10 issues a remittance instruction to the financial institution 7 and, at an appropriate time after the settlement, at least a part of the store holding money of the store from the prepaid money of the settlement management account 5. An instruction to transfer to the store accounts 6a, 6b... 6n is issued. This remittance instruction is performed based on the collection amount information transmitted to the authentication settlement server 1 from the store terminals 3a, 3b... 3n by inputting the collection amount information to the store terminals 3a, 3b. .

The control means 10 sets authentication information (ID and password) for the customer and the store. That is, when a customer is initially registered, a new customer file 22 is created in the customer information storage section 12, and the account number, name, address, date of birth, telephone number, facsimile of the customer account 4 are stored in the customer file 22. Various types of customer information such as numbers and mail addresses are stored, and customer IDs and passwords of the customers are set and stored. When a store is initially registered, a store file 23 is created in the new store information storage unit 13 and various types of information such as the account number, name, business type, address, telephone number, facsimile number, and mail address of the store account 6 are stored. Store information is stored, and a store ID and a password of the store are set and stored. The password can be changed later by a change operation from the customer terminals 2a, 2b... 2n or the store terminals 3a, 3b.

The control means 10 authenticates registered customers and stores. That is, when the registered customer transmits purchase information, prepaid amount information, and the like from the customer terminals 2a, 2b,.
And a password, the customer terminals 2a, 2b,.
Sends the customer ID and password to the authentication settlement server 1. Then, in the control means 10, the customer I stored in the customer file 22 of the customer information storage 12 is
By comparing the password with D and the password, the customer is authenticated. Then, when the registered customer is authenticated, the process proceeds to a step of transmitting purchase information, prepaid amount information, and the like.

The registered store is the store terminal 3a,
When the collection amount information and the like are transmitted from the 3b... 3n to the authentication settlement server 1, the store terminals 3a, 3b.
3n, enter the store ID and password, and enter the store terminal 3
a, 3b... 3n to the authentication settlement server 1 store ID
And password are sent. Then, the control unit 10 authenticates the store by comparing the store ID and the password stored in the store file 23 of the store information storage unit 13 with each other. Then, when it is determined that the store is a registered store, the process proceeds to a step of transmitting collection amount information and the like.

Further, the control means 10 can notify the customer of the usage amount and the like. That is, when the purchase amount is deducted from the prepaid amount in the customer file 22 and this deducted amount is added to the store holding money in the store file 23 and settlement is performed, the available prepaid balance after the withdrawal is transmitted to the customer. It has become so. The transfer of the prepaid balance can be performed by, for example, e-mail or the like, or by displaying what is posted on the customer dedicated page of the homepage on the customer terminals 2a, 2b... 2n.

Further, after the settlement is performed, customer information such as a customer ID of a customer who has made a purchase at the store and purchase information such as a purchase amount related to the purchase are transmitted to the store at which the purchase was made. It has become so. Also, the store holding money after the addition or collection is transmitted to the store. These transmissions can be performed, for example, by e-mail or the like, or by displaying what is posted on the store dedicated page of the homepage on the store terminals 3a, 3b,.

Next, the operation of the settlement management system will be described with reference to the chart shown in FIG. In the figure, "S" means a step.

First, a customer file 22 of a new customer is created in the customer information storage unit 12, and customer information such as an account number and a name is stored and a new customer is registered (S1). On the other hand, similarly, a store file 23 is created in the store information storage unit 13, and store information such as an account number and a name is stored to register the store. Then, for the registered customer, customer I
D and a password are set, and the customer is notified using, for example, an electronic mail (S2). On the other hand, a store ID and a password are set for the registered store, and the store is notified using, for example, an e-mail or the like.

Next, the registered customer is the customer ID
The password and the password are transmitted to the authentication and settlement server 1, and a payment of a prepaid amount of the expected use amount is notified from the customer account (S3). When this communication is made, the customer is authenticated in the authentication settlement server 1 (S
4) The remittance instruction is issued from the authentication settlement server 1 to the financial institution 7 via the communication line (S5). When the remittance instruction is issued, the prepaid amount specified by the customer is transferred from the customer account 4 to the settlement management account 5 (S6).

Next, an order for a product or the like is made from the customer to the store via the communication line (S7). This order is
For example, on the customer terminals 2a, 2b... 2n, a predetermined homepage designated by the store is displayed, and purchase information such as a product name, quantity, amount, and the like, and customer ID are input on the screen. And so on. Next, the store issues a customer authentication request to the authentication settlement server 1 (S8), and the authentication settlement server 1 stores the sent customer ID and password in the customer ID and password stored in the customer information storage unit 12. Then, the customer is authenticated (S9), and the customer is notified of the order reception (S10).

Next, the merchandise and the like are sent from the store to the customer (S11), and the store communicates with the authentication settlement server 1 via the communication line (S1).
2). Then, upon receiving the shipping notification, the authentication settlement server 1
Then, the customer's purchase amount is deducted from the prepaid amount stored in the customer file 22 of the customer information storage unit 12, and the deducted amount is stored in the store holding money stored in the store file 23 of the store where the purchase was made. (S13). When the settlement is completed, the customer is notified of the usage amount (purchase amount) and the prepaid balance after deduction (S14). This notification is performed, for example, by transmitting an electronic mail or the like to the customer terminals 2a, 2b,.

The purchase and settlement of the product by the customer as described above are repeatedly performed a plurality of times in some cases. In this case, purchase may be repeated at the same store, or a different store may be used. When the same customer purchases at a different store, the amount deducted from the advance payment is added to the store holding money in the store file 23 of the store where the purchase has been made, and settlement is performed (S7 to S14).

Then, at an appropriate time after the settlement is completed, the store makes a request for withdrawal of the sales to the authentication settlement server 1 (S15). This debit request can be made, for example, by setting the home page of the authentication settlement server 1 to the store terminals 3a, 3b.
n, and by inputting purchase information such as a product name, quantity, amount, and the like, a customer ID, and the like on the screen, or by e-mail or the like. In accordance with the debit request, the authentication settlement server 1 instructs the financial institution 7 to transfer money via the communication line (S16), and transfers the payment management account 5 to the store account 6 via the communication line. The deposit is remitted and the sales proceeds are collected (S1).
7).

As described above, in the above settlement management system,
By transferring the estimated purchase amount to the payment management account in advance, there is no risk of receivables,
Instant payment becomes possible. In addition, the store can collectively transfer the price to a store account and reduce the remittance cost. Furthermore, since remittance is performed without going to a bank or a post office, it is extremely convenient. Further, the purchase price can be deducted from the prepaid balance based on the input of the purchase information, added to the store holding money, and settled immediately. In addition, credit card numbers are not required to enter and are extremely secure.
Remittance costs can also be reduced.

In the above embodiment, the customer account 4
4n, settlement management account 5 and store account 6a,
Although 6b... 6n all exist in the same financial institution 7 as an example, the present invention is not limited to this, and they may each exist in a separate financial institution.

FIG. 4 shows a second example of the settlement management system of the present invention.
It is a principal part block diagram which shows embodiment. In this example, customer account 4 and settlement management account 5 and store account 6
(Not shown in FIG. 4) exist in different financial institutions, and settle the settlement between the customer account 4 and the settlement management account 5 immediately.

That is, from the customer account 4 to the settlement management account 5
First, as shown in FIG. 4, when the customer receives a prepaid notification from the customer to the authentication settlement server 1 (S3 in FIG. 3), as shown in FIG.
S (Credit and Finance Info)
The balance of the customer account 4 is introduced to the customer contract bank 17 via the MATATION SYSTEM (NTT credit information data communication system) 15. Next, the customer contract bank 17 checks the presence or absence of the balance in the customer account 4, and if the balance is not insufficient, immediately withdraws the prepaid money from the customer account 4 to complete the settlement, and the authentication settlement server via the CAFIS 15 Notify 1 that payment has been completed. Here, if the balance is insufficient, an NG notification is sent to the authentication settlement server 1 via the CAFIS 15.

Then, the withdrawal deducted from the customer account 4 is remitted to the secretariat bank 18, and is remitted to the settlement management account 5 of the contract bank 19 from the secretary bank. On the other hand, the information related to the above-mentioned settlement remaining in the CAFIS 15 is transmitted from the CAFIS 15 to the clearing center 16, and transmitted from the clearing center 16 to the customer contract bank 17, the managing bank 18, and the contract bank 19 as confirmation data. .

In this embodiment, the customer account 4, the settlement management account 5, and the store account 6 exist in different financial institutions, and settlement between the customer account 4 and the settlement management account 5 is immediately performed. Otherwise, it is the same as the first embodiment, and has the same operation and effect.

FIG. 5 shows a third embodiment of the settlement management system of the present invention.
It is a block diagram showing an embodiment. In this system, remittance between customers can be settled inside the authentication settlement server 1. That is, when the customer enters the customer terminal 2
Using the a, 2b... 2n, remittance information such as the name and remittance amount of another customer to be remitted is input, and the customer terminals 2a, 2
b ... 2n transmits the remittance information to the authentication settlement server 1. Then, based on the transmitted remittance information, the remittance amount is deducted from the prepaid amount in the customer file 22 of the remitted customer, and is added to the prepaid amount in the customer file 22 of the customer who receives the remittance, and settlement is performed. Then, if necessary, remittance is performed via the communication line from the settlement management account 5 to the customer account 4n of another customer who has received the remittance.

According to this system, remittance between customers can be settled, which is extremely convenient. Otherwise, it is the same as the first embodiment, and has the same operation and effect.

FIG. 6 shows a fourth embodiment of the settlement management system according to the present invention.
It is a block diagram which shows the server 1 used for 1st Embodiment. In this system, electronic money corresponding to the advance payment is issued by the customer in advance, and settlement is performed by the electronic money.

The server 1 stores in the customer information storage unit 12
A personal information database 26 in which personal information such as a customer's name, address, date of birth, and telephone number is stored for each customer, and a customer balance database in which the electronic money balance corresponding to the customer's prepaid balance is stored for each customer 28.
On the other hand, a store information database 27 in which unique information such as a customer's name, address, business type, and telephone number is stored in the store information storage unit 13 for each store, and a balance of electronic money corresponding to the deposit of the store is stored in each store. And a store balance database 29 stored in the store.

In the customer balance database 28 and the store balance database 29, the
It manages the balance of the previous month, payment from financial institutions, transfer payment between customers or stores, purchase amount at stores, paid site usage amount, transfer payment between customers or stores, point payment by advertisement display, and the like.

The server 1 has a payment management data storage unit 25 for storing data relating to payment management. The payment management data storage unit 25 has a payment management database 24 that stores details of transactions and the like, and a payment management balance database 30 that stores electronic money balance. The transaction management database 24 stores transaction details for each customer, transaction details for each store, and transaction details in the payment management database 24.

The purchase of the electronic money by the customer is performed by transferring the electronic money between the settlement management balance database 30 and the customer balance database 28, and the settlement of the purchase amount of the customer is performed by the customer balance database 28. The transfer is performed by transferring electronic money to and from the store balance database 29. The other parts are the same as those in the first embodiment, and the same parts are denoted by the same reference numerals.

The operation of the above system will be described with reference to the charts of FIGS. 7 to 9 and Tables 1 to 3.

The transaction operation when a customer purchases electronic money is shown in the chart of FIG. 7 and the database management table of Table 1 below. First, the customer terminals 2a, 2b... 2n request the authentication settlement server 1 to purchase electronic money (S
1) Based on that, the authentication settlement server 1
(S2). Thereby, the prepaid money is deducted from the customer accounts 4a, 4b... 4n of the financial institution 7 to the settlement management account 5 (see FIG. 1).

Next, the authentication settlement server 1 issues electronic money (S3). For example, Transaction 1 in Table 1
As shown in FIG. 7, when a deposit of 1000 yen is received from the financial institution (BK), 1
Issue electronic money for 000 yen. Next, as shown in Transaction 2 of Table 1, the electronic money for 1,000 yen generated in the settlement management balance database is moved to the customer balance database 28, and the electronic money is stored (S).
4).

[0065]

[Table 1]

Next, a transaction operation when a customer purchases a product or the like from a store is shown in a chart of FIG. 8 and a database management table of Table 2 below. First, customer terminals 2a, 2b ... 2n
3n establishes a commercial transaction with the store terminals 3a, 3b... 3n (S1), and the store terminals 3a, 3b. On the basis of this, in the authentication settlement server 1, for example, as shown in Transaction 1 of Table 2, 100
Withdraw electronic money for 0 yen (S3).

Next, as shown in Transaction 2, after depositing and storing the electronic money of 1,000 yen from the electronic money of 1,000 yen in the store balance database 29,
As shown in Transaction 3, the electronic money for 130 yen is transferred from the store balance database 29 to the settlement management balance database 3.
0 is settled as a settlement fee (S
4). After that, the authentication settlement server 1 sends the customer terminals 2a,
2b... 2n are notified of usage details (S
5).

[0068]

[Table 2]

Next, the transaction operation when refunding the electronic money to the customer is shown in the chart of FIG. 9 and the database management table of Table 3 below. First, customer terminals 2a, 2b ... 2
n requests the authenticated settlement server 1 to refund the electronic money (S1). Based on the request, the authenticated settlement server 1 adds a fee to the reimbursed amount from the customer balance database 28 as shown in Transaction 1 of Table 3, for example. 11 including 130 yen
The electronic money of 30 yen is dispensed (S2), and the electronic money is deposited in the settlement management balance database 30.

Next, as shown in Transactions 2 and 3, electronic money of 1,000 yen, which is a refund amount, is withdrawn from the settlement management balance database 30 to the financial institution 7 (S3), and the remaining 130 yen is a handling fee. Is stored as Then, a transfer request for the requested amount is made to the financial institution 7 (S4), and the refund amount is transferred from the settlement management account 5 of the financial institution 7 to the customer accounts 4a, 4b,.

[0071]

[Table 3]

As described above, in the above settlement management system,
It is not necessary to input a credit card number and the like, so that security is extremely high and remittance cost can be reduced. In addition, the details of the transaction are stored and can be used by customers and stores for confirmation of the transaction, which is convenient. In addition, it is convenient to collect payment and transaction fees and the like with electronic money. Otherwise, the same operation and effect as those of the first embodiment are exerted.

In each of the above-mentioned embodiments, the purchase target of the customer is not limited to products that can be distributed, but may be, for example, computer programs, music, video, and the like provided by services, securities, and online. The purpose is to include various kinds of software, such as information on paid sites.

[0074]

As described above, according to the first settlement management system of the present invention, by transferring the expected purchase amount to the settlement management account in advance, there is no danger of generating receivables. Settlement becomes possible. In addition, the store can collectively transfer the price to a store account and reduce the remittance cost. Furthermore, remittance is not required to go to a bank or a post office, which is extremely convenient.

Further, according to the second settlement management system of the present invention, the purchase amount can be deducted from the prepaid balance based on the input of the purchase information, added to the store holding money, and settled immediately. Become. Moreover, it is not necessary to input a credit card number and the like, so that the security is extremely high and the remittance cost can be reduced.

Further, according to the third settlement management system of the present invention, the remittance amount is deducted from the advance payment based on the input of the remittance information by the customer, added to the advance payment of another customer, and immediately settled. It becomes possible. In addition, credit card number entry is unnecessary, and security is extremely high.
Remittance costs can also be reduced. Furthermore, remittance is not required to go to a bank or a post office, which is extremely convenient.

[Brief description of the drawings]

FIG. 1 is a block diagram showing one embodiment of a settlement management system of the present invention.

FIG. 2 is a system configuration diagram showing an authentication settlement server.

FIG. 3 is a chart showing an operation of the settlement management system.

FIG. 4 is a system configuration diagram showing a main part of a settlement management system according to a second embodiment of the present invention.

FIG. 5 is a block diagram showing a payment management system according to a third embodiment of the present invention.

FIG. 6 is a block diagram showing an authentication settlement server of a settlement management system according to a fourth embodiment of the present invention.

FIG. 7 is a chart showing the operation of the system.

FIG. 8 is a chart showing the operation of the system.

FIG. 9 is a chart showing the operation of the system.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 Control means 12 Customer information storage part 13 Store information storage part

Claims (16)

[Claims] 1. A payment management system using a computer device, wherein a prepaid money is transferred via a communication line from a customer account held by the customer to a payment management account for performing payment management of the purchase before the customer purchases. A first remittance means for causing the customer to make a purchase at a store, a payment means for deducting a purchase amount pertaining to the purchase within the range of the advance payment based on input of purchase information, and an appropriate payment method after the settlement. And a second remittance means for transferring at least a part of the debit amount from the payment management account to a store account held by a store via a communication line. 2. A settlement management system using a computer device, wherein a customer information storage unit for storing customer's prepaid balance information for each customer who can purchase the customer, and store deposit information for each store. Store information storage unit and, based on the input of the purchase information that the customer purchases at the store, the purchase amount is deducted from the prepaid balance corresponding to the customer who made the purchase in the customer information storage unit, and the debit amount is A settlement management system comprising: a settlement unit for adding a store holding money corresponding to the store where the purchase has been made in the store information storage unit to make a settlement. 3. Prior to the purchase of the customer, the prepaid money is transferred from the customer account held by the customer to the settlement management account for performing the above-mentioned settlement management, and at an appropriate time after the settlement, of the store holding money after the addition. 3. The method according to claim 2, wherein at least a part of the payment is transferred from the settlement management account to the store account held by the store.
The described payment management system. 4. The transfer of a prepaid money from a customer account to a settlement management account and / or the transfer of a store deposit from a settlement management account to a store account are performed via a communication line. The payment management system according to claim 3. 5. The transfer of a prepaid amount from a customer account to a settlement management account is performed by the customer himself / herself inputting prepaid amount information via a communication line.
Or the settlement management system described in 4. 6. The settlement management system according to claim 2, wherein the purchase information for the customer to make a purchase at the store is inputted by the customer through a communication line. 7. A customer account is registered in advance, and by registering the customer account, customer identification information is set for each customer. Before the customer inputs information via a communication line, the customer inputs the customer identification information. 7. The settlement management system according to claim 5, wherein the authentication of the customer is performed by the following. 8. The store according to claim 2, wherein customer identification information of a customer who has made a purchase at the store and purchase information related to the purchase can be transmitted to the store at which the purchase was made. Payment management system described in the section. 9. The settlement management system according to claim 2, wherein the prepaid remaining balance that can be purchased after the withdrawal can be transmitted to the customer. 10. The settlement management system according to claim 2, wherein the store holding money can be transmitted to the store. 11. A remittance amount is deducted from a prepaid balance corresponding to the remittance customer in the customer information storage unit based on remittance information input by the customer for remittance. The settlement management system according to any one of claims 2 to 10, wherein the settlement management system is configured to settle the payment by adding to a prepaid amount corresponding to another customer. 12. A settlement management system using a computer device, comprising: a customer information storage unit in which prepaid money information of a plurality of customers is stored for each customer; Withdraw the remittance amount from the prepaid balance corresponding to the customer who made the remittance in the customer information storage unit,
A settlement management system comprising: a settlement unit for adding the debited amount to a prepaid amount corresponding to another customer in the customer information storage unit and performing settlement. 13. The settlement management system according to claim 1, wherein electronic money corresponding to the advance payment is issued by the customer in advance, and settlement by the settlement means is performed by the electronic money. 14. A customer balance database in which a balance of electronic money corresponding to a customer's prepaid balance is stored, and a store balance database in which a balance of electronic money corresponding to a store deposit is stored. Payment management system. 15. A settlement management data storage unit for storing data relating to settlement management, wherein transaction details are stored in the settlement management data storage unit.
The described payment management system. 16. The settlement management data storage unit for storing data relating to settlement management, wherein the settlement management data storage unit includes a settlement management balance database for storing an electronic money balance. Payment management system.