JP2018005675A - Commercial item purchase system using pictogram, commercial item purchase method and its program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a commercial item purchase system that uses pictogram.SOLUTION: A commercial item purchase system using pictogram comprises: site linkage means that enables a linkage of an SNS or other system to a system of an EC site (net shop) where users implement purchasing; card registry means that makes the pictogram registered in the SNS by the user, and card information on a settlement card owned by the user to be registered in association of the pictogram with the card information; and card settlement means that makes the user select the pictogram of the settlement card registered in the card registry means for purchase settlement of commercial items in the EC site to thereby make the settlement. Further, the card registry means is configured to make the user register an authentication pictogram for authentication in accordance with a settlement amount of the commercial item purchase or a use method or use purpose of the settlement card, which in turn suppression of wrong operation or security is enhanced.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a product purchase system, a product purchase method, and a program thereof.

  In recent years, the spread of SNS (Social Networking Service) has been remarkable. SNS is not only used as a communication tool such as information transmission and information sharing, but various usage methods have appeared. For example, there is a function as an information center at the time of a disaster and a usage method such as crowd funding for raising funds from the public. The applicant has also proposed a method in which the user can perform financial transactions from the SNS by linking the SNS system and the financial institution system. For example, Patent Document 1 proposes a system capable of performing a financial transaction such as bank transfer using a natural language message from an SNS system. Further, in Patent Document 2, event registration and participation are recruited from the SNS system, and the financial institution system accepts payment of the event participation fee. When the participant executes the payment, the payment information is provided to the official financial institution. We have proposed a system that notifies the event organizer with a symbol.

Japanese Patent No. 5701107 JP-A-2015-197720

  In view of the possibility and convenience of SNS as described above, an object of the present invention is to provide a new product purchase system that is easy and safe using SNS.

In order to solve the above problems, the present invention provides the following solution.
(1) In the first aspect of the present invention, a merchandise purchase system using pictorial symbols, the pictorial symbols for the user registered by the user and the card information of the payment card held by the user are registered in association with each other. Card registration means for causing payment to be made by allowing the user to select a picture symbol of a payment card registered in the card registration means for payment for purchase of goods at an EC site. Features.

(2) In the configuration of (1) above, the system further includes site cooperation means for connecting the SNS system and the EC site system in a cooperative manner, and the pictorial symbol uses a pictorial symbol on the linked SNS. You may do it.

(3) In the configuration of (2) above, the card registration means allows the user to register an authentication pictograph for authentication according to the payment amount of the product purchase or the usage method or purpose of use of the payment card. May be.

(4) In any one of the configurations (1) to (3), the card registration unit may register a new pictorial symbol generated by combining a plurality of pictorial symbols.

(5) Moreover, in the structure in any one of said (1)-(4), you may make it select the said payment card | curd from the friend list | wrist of said SNS.

(6) In the configuration of (3), the site cooperation unit is connected so as to be able to cooperate with a payment card management system that manages the payment card, and the payment card management system transfers the authentication pictogram to the user. And a card payment notifying means for notifying the EC site system of the result of the payment using the authentication pictogram.

(7) Also, in the configuration of any one of (1) to (6) above, when the payment card is a debit card, a bank that performs payment with the debit card by selecting a pictogram of the debit card You may make it perform the transfer of the price for the said product purchase to the system of.

(8) According to the second aspect of the present invention, the EC site system uses pictorial symbols, and the pictorial symbols for the user registered by the user are associated with the card information of the settlement card held by the user. SNS cooperation means for enabling cooperation with an SNS system to be registered, and card payment means for making payment by allowing the user to select a picture symbol of a payment card registered in the SNS system for payment for product purchase; It is characterized by providing.

  (9) In the third aspect of the present invention, the SNS system uses pictorial symbols, and the pictorial symbols for the user registered by the user are associated with the card information of the settlement card held by the user. Card registration means for registration, and EC site cooperation means for linking the result of the user's selection of a pictorial symbol of the payment card registered in the card registration means for payment for product purchase, to the EC site system. SNS system characterized by this.

(10) According to the fourth aspect of the present invention, there is provided a method for purchasing goods using SNS, in which a computer system connects the SNS system and an EC site system where a user performs shopping in a cooperative manner. A step of allowing the user to register the pictorial symbol for the user registered in the SNS and the card information of the payment card held by the user in association with each other, And allowing the user to make a payment by selecting a picture symbol of the registered payment card.

(11) According to the fifth aspect of the present invention, there is provided a program for purchasing products using SNS, wherein the SNS system and the EC site system where the user performs shopping are linked to a computer system. Making the connection possible, causing the user to associate and register his / her pictorial symbol registered in the SNS and card information of the payment card held by the user, and And causing the user to make a payment by selecting a pictorial symbol of the registered payment card for payment.

  ADVANTAGE OF THE INVENTION According to this invention, the new product purchasing system which is easy and high safety | security using SNS can be provided.

It is a figure which shows the basic concept of the goods purchase system (this system) in embodiment of this invention. It is a figure which shows the function structure in 1st Embodiment of this system. It is a figure which shows an example of the pictorial symbol registration table of this system. It is a figure which shows the cooperation processing flow between the systems in 1st Embodiment of this system. It is a figure which shows an example of a pictorial symbol registration screen. It is a figure which shows an example of the talk screen for synthesize | combining a card pictorial symbol. It is a figure which shows an example of the shopping screen from SNS in 1st Embodiment of this system. It is a figure which shows the function structure in 2nd Embodiment of this system. It is a figure which shows an example of the shopping screen from EC site in 2nd Embodiment of this system. It is a figure which shows an example of the transfer screen in the debit card in 2nd Embodiment of this system.

  DESCRIPTION OF EMBODIMENTS Hereinafter, embodiments for carrying out the present invention (hereinafter referred to as embodiments) will be described in detail with reference to the accompanying drawings. In the subsequent drawings, the same components are denoted by the same reference numerals throughout the description of the embodiments. In the functional configuration diagram, an arrow between functional blocks represents a data flow direction or a process flow direction. In the process flow diagram (flowchart), the processing order of each step may be changed as long as the relationship between the input and output of each step is not impaired.

(Basic concept)
First, the basic concept of a product purchase system (hereinafter referred to as “the present system”) according to an embodiment of the present invention will be described. This system is a merchandise purchase system using pictorial symbols, which includes a card registration means for registering a personal pictorial symbol registered by a user and card information of a payment card held by the user in association with an EC site ( Electronic Commerce Site)) to make payment by accepting the user by selecting the picture symbol of the payment card registered in the card registration means for accepting the purchase of the product (accepting selection of the picture symbol) , A product purchase system comprising: That is, this system provides a new online shopping service (referred to as “My Stamp Shopping”) using pictorial symbols. My Stamp Shopping is a method of using your own pictorial symbol without entering the card number by associating card information of a payment card such as a credit card with a pictorial symbol such as a personal stamp prepared (registered) by the user. This is a service that allows you to easily purchase products and services online. The information about the pictorial symbol and the payment card for oneself may be registered in one's own PC or smartphone, or may be registered in another system. The pictorial symbol here is a symbol that is easy to understand using a picture, and is an identifier (ID) given to a figure (picture) such as an illustration, pictogram, mark, symbol, or the like. In addition, the pictorial symbol includes a photo or a moving image with an ID.

  The preferred form of the system will be described more specifically. A user who holds a payment card such as a credit card, debit card (cash card), or electronic money card associates card information with each card in advance. Registering pictorial symbols (linked) and registering them as "friends" on a system where the user has logged in, or opening an EC site such as a net shop or cyber mall that users often use You can purchase a product by sending a picture symbol you registered. For example, a user can settle a product price just by selecting a net shop registered as a “friend” and instructing to send a picture symbol on the card, in the sense of exchanging messages and talks with other users on the SNS. .

  As shown in FIG. 1, the screen 100a is displayed on the EC site as “OO network shop”, “OO network shop” registered as “friends” on the SNS, or “OO network shop opened on the SNS. ”Shows a stage of selecting a product to be purchased and selecting a payment card to be used for payment from the card pictogram selection field 102. In addition, a payment method when the card is used can be selected from the card payment method selection column 110 displayed by pressing and holding the pictorial symbol. For example, the payment method can be selected for each card from one-time payment, installment payment, bonus payment, revolving payment, and point payment. Different card pictograms may be registered for each payment method even for the same card.

  The screen 100b shows a step of selecting the authentication pictogram 105, which is an authentication pictogram, from the authentication pictogram selection column 104 and sending it to the net shop in order to authenticate the card corresponding to the selected card pictogram 103. ing. The purchase is decided by sending the authentication pictorial symbol 105, and the card information (card number, holder, expiration date, etc.) linked to the card pictorial symbol 103 is transmitted to the shop. When the authentication pictogram 105 is transmitted to the shop, a confirmation notification 106 indicating that the settlement has been completed is transmitted from the shop. Instead of transmitting the authentication pictogram 105, the purchase may be determined by performing a predetermined operation such as touching the card pictogram 103 again.

  The card pictorial symbols and authentication pictograms used here can be freely registered on the SNS, and a plurality of them can be registered. The pictorial symbol may be selected from those prepared on the SNS, or the user may register a unique picture. However, it is necessary that the card pictogram has a pattern that makes it easy to identify or associate each card with each card. On the other hand, an arbitrary pattern may be used for the authentication symbol. Further, the authentication pictogram may be changed according to the payment amount, or a separate authentication pictogram may be registered for each card. Also, a means for storing the association between pictorial symbols and character strings (keywords) is provided, interpreting pictorial symbols input by the user, converting them into character strings, and confirming the associated character strings, You may provide the pictogram-character string conversion function which converts the inputted character string into the pictorial symbol linked. Alternatively, authentication may be performed by receiving the information using an SNS or SMS (Short Message Service) other than the SNS at the time of purchase. By doing in this way, erroneous operation is prevented and safety increases. It should be noted that once payment is determined, it can be canceled unconditionally within a predetermined time. This is because, in this system, the purchase of a product can be performed simply by touching a pictorial symbol, and the user's mind may change after that.

(First embodiment)
FIG. 2 is a diagram showing a functional configuration in the first embodiment of the system. In the present embodiment, the user terminal 10 (also referred to as “customer terminal”) is connected to the SNS system 20 and the EC site system 30 (net shop product purchase site) via the SNS system 20. The user interacts with the EC site and the SNS talk function. The user terminal 10 is a general device such as a smartphone, a tablet, or a PC, but it is desirable to install a dedicated application, a toolbar, or the like in order to easily access the SNS.

  As shown in the figure, the SNS system 20 of this embodiment functionally includes a user terminal communication unit 21, an EC site linkage unit 22, a user information storage unit 23, a pictorial symbol registration table 24, a card registration unit 25, and a pictorial symbol storage. Consists of means 26. However, it is not limited to such a configuration. Hereinafter, each function will be described in order.

  The user terminal communication unit 21 controls communication with the user terminal 10 and transmits a request from the user terminal 10 to another processing unit. In addition, processing results from other processing means are transmitted to the user terminal 10.

  The EC site cooperation means 22 connects and controls the SNS system 20 so as to be able to cooperate with the EC site system 30. Specifically, the user's friend list registered in the SNS is acquired, and the interaction with the EC site registered in the friend list is controlled.

  The user information storage unit 23 stores registration information registered in the SNS system 20 by the user. The registration information includes a user ID on the SNS, a login password, a user profile, a friend list, information on an EC site that the user normally uses, and a pictorial symbol registration table 24 registered by the user. In order to automate the login to the EC site, one or more login IDs and passwords on the EC site may be registered.

  The pictorial symbol registration table 24 includes a card pictorial symbol registration table in which pictorial symbols and card information are associated with each other, and an authentication pictorial symbol registration table in which an authentication pictorial symbol is registered for each payment amount and card, and is stored in the user information storage unit 23. Is done.

  The EC site system 30 includes a customer terminal communication means 31 that can communicate with the user terminal 10 (customer terminal), an SNS cooperation means 32 that cooperates with the SNS system 20, and a product that is a database storing product information. The information storage means 33, the payment means 34 that communicates with the card company system 40 and executes payment with a card, the goods delivery means 35 that controls the delivery of purchased goods, and the database that stores the information of registered customers. A certain customer information storage means 36 is provided. Except for the SNS cooperation means 32, a general EC site has a general one.

  In FIG. 1 described above, the case where the user terminal 10 communicates with the user terminal communication means 21 of the SNS system 20 and purchases a product by SNS talk from the EC site system 30 linked with the SNS system 20 has been described. 10 (customer terminal) can communicate with the customer terminal communication means 31 of the EC site system 30 and directly purchase a product. In this case, the EC site system 30 acquires the pictorial symbol and pictorial symbol registration table 24 registered by the user on the SNS from the SNS system 20 via the SNS cooperation unit 32, and selects the pictorial symbol of the payment card. Make a payment. In this case, the pictorial symbol registration table 24 may be provided on the customer information storage means 36 side of the EC site system 30. By doing in this way, the payment information of goods does not flow between SNS and EC site.

  FIG. 3 is a diagram showing an example of the pictorial symbol registration table 24. In the illustrated card pictorial symbol registration table 24a, credit cards A, B, and C and debit cards D and E are registered, and for each credit card, card pictorial symbols for single payment and installment payment are respectively registered. Yes. Although the card symbol for lump sum payment is registered in each credit card, the symbol symbol for installment payment may be registered with a card symbol corresponding to a different number of divisions for each card. In this way, for example, credit card A is for short-term installments such as 3-5 times, credit card B is for mid-term installments such as 6-12 times, and credit card C is It can be used properly for long-term installments such as 15 to 36 times. Since it is troublesome to prepare card pictograms with different patterns for each division, it is convenient to use a composite pictogram described later.

  Since the purchase price is immediately debited from the user's bank account, the debit card does not have to worry about overuse like a credit card, but can only be used to pay an amount less than the bank account balance at the time of purchase. However, in the debit cards D and E in the figure, there are registered a pictorial symbol for withdrawal that is immediately withdrawn and a pictorial symbol that can be transferred using the debit card. Transfer by debit card will be described later, but depending on the net shop, payment by credit card as well as debit card may not be possible, and there are only bank transfer or cash on delivery methods, but it was registered in this system Debit cards can also be used for transfers. In addition, when the balance of the bank account is insufficient and falls below the product price, the debit card may not be selected.

  The authentication pictogram registration table 24b illustrated in FIG. 3 is an example in which different authentication pictograms are registered according to the payment amount, the usage method, and the usage purpose. For example, use the authentication symbol 241 (the user's own design) for purchases less than 5,000 yen, use the authentication symbol 242 (the father's design) for purchases of 5,000 yen or more and less than 30,000 yen, An authentication pictogram 243 (a picture of Prince Shotoku) can be registered for purchases of 30,000 yen or more. Further, the authentication pictogram 244 can be registered only for a specific EC site regardless of the settlement amount. Of course, which pictorial symbol is registered as an authentication symbol for what purpose is managed by a dedicated password or the like, and only the user himself can know. Therefore, since the payment cannot be executed unless the correct authentication pictogram is used every time it is purchased, unauthorized use by others can be suppressed.

  Returning to FIG. 2, at the time of registration, the card registration unit 25 selects the pictorial symbol prepared in the pictorial symbol storage unit 26 or the pictorial symbol prepared by the user, and associates it with the card information of the user or the payment amount. And stored in the user information storage means 23 in association with the usage method and purpose of use. The card registration means 25 can also generate a new pictorial symbol by combining a plurality of pictorial symbols. This function will be described in detail with reference to the following drawings.

  The card registration means 25 also has a function of displaying an appropriate one according to the scene from the registered pictograms and allowing the user to select it during actual shopping. For example, only a card pictogram is displayed when a card is selected, and only an authentication pictogram is displayed when a settlement is confirmed. However, a dummy pictogram may be displayed to disturb an unauthorized user.

  As shown in FIG. 2, the EC site system 30 functionally includes a customer terminal communication unit 31, an SNS cooperation unit 32, a product information storage unit 33, a card settlement unit 34, and a product delivery unit 35. However, it is not limited to such a configuration. Hereinafter, each function will be described in order.

  The customer terminal communication means 31 controls communication with the user terminal 10 when the user terminal 10 is directly connected to the EC site. In this embodiment, the customer terminal communication means 31 communicates with the user terminal 10 via the SNS system 20 here. Not used.

  The SNS cooperation unit 32 controls cooperation with the SNS system 20. Specifically, the talk with the user is controlled, and the information of the product is searched and displayed according to the user's request, or other means in the EC site system 30 and the SNS system 20 are mediated. . Although not shown, the SNS cooperation unit 32 is generalized as a site cooperation unit that can cooperate with other sites. The site cooperation unit is connected to a payment card management system that manages a payment card so that the payment can be made. The card management system may comprise means for allowing the user to register a picture symbol and a card payment notification means for notifying the EC site system of the result of the settlement using the authentication symbol. In other words, in addition to sending the card information from the card company, a separate payment card management system or payment card management server for managing the user's own PC or smartphone, or the user's personal payment information is provided, and from the management server etc. You may make it transmit.

  The product information storage means 33 is a database that stores information on products and services handled by the EC site. Needless to say, the product information includes detailed product information, price, shipping cost, and store information.

  The card payment means 34 is used by the user for payment, and the card information transmitted from the SNS system 20 is transmitted to the card company system 40 to receive card authentication (authorization). An authentication error is returned to the SNS system 20 when the available amount or usage limit is exceeded (in the case of a credit card), the account balance is insufficient (in the case of a debit card), or the card has expired.

  When the card authentication of the card settlement unit 34 is normally completed, the merchandise delivery unit 35 acquires data such as an address of a destination specified by the user and performs merchandise delivery processing.

  The above-described functional configuration of the present system is merely an example, and one functional block (database and function processing unit) may be divided, or a plurality of functional blocks may be configured as one functional block. Each function processing unit includes a CPU (Central Processing Unit) built in a server or terminal device in a storage system such as a ROM (Read Only Memory), a flash memory, an SSD (Solid State Drive), or a hard disk in a computer system. The stored program is read and realized by a program executed by the CPU. That is, each function processing unit reads and writes necessary data such as a table from a database (DB; Data Base) stored in a storage device or a storage area on a memory, and in some cases, related hardware This is realized by controlling (for example, an input / output device, a display device, a communication interface device). Further, the database (DB) in the embodiment of the present invention may be a commercial database, but it simply means a collection of tables and files, and the internal structure of the database itself is not questioned.

(Processing flow)
FIG. 4 is a diagram showing a cooperation processing flow between systems in the first embodiment of the present system. Below, the case where the goods of the EC site side are purchased from the SNS side is demonstrated. In this figure, the movement of internal processing steps on the SNS side and EC site side is indicated by a solid line, and transmission / reception of data between systems is indicated by a one-dot chain line.

  In FIG. 4, it is assumed that the user has already started a dialogue for purchasing a product with the EC site via the SNS. First, on the SNS side, during the talk between the user and the EC site, when it is detected that the user has selected a purchased product (step S10) and the pictorial symbol of the payment card has been selected (step S11), the card picture is displayed. With reference to the symbol registration table, the EC site is instructed to transmit card information linked to the pictorial symbol (step S12). In step S12, the card information may be transmitted not only directly from the SNS side to the EC site side, but also from the above-mentioned management server to send the card information to the EC site side. For example, if an individual who is a purchaser is specified and the payment method data of the individual is registered in the management server, the payment method data is specified, and the card information of the payment method is stored on the EC site side. May be issued. In addition, the SNS side does not always need to monitor the talk between the user and the EC site, and only receives a notification when a purchased product is selected from the EC site side and a card pictorial symbol is subsequently selected. Good.

  When the EC site detects that the card information has been received in step S20, the EC site transmits an authentication request for the card to the system of the card company, and returns an authentication result to the SNS (step S21).

  In step S13, the SNS side checks this authentication result, and if normal, prompts the user to input an authentication pictogram (step S14). Then, referring to the authentication pictogram registration table, it is determined whether or not the input authentication pictogram is a regular pictogram (step S15). If it is a regular pictorial symbol, a merchandise purchase request is transmitted to the EC site (step S16). And unconditional cancellation is received until predetermined time (for example, 30 minutes) passes (step S17, S18). If a cancel is received from the user during that time, a cancel request is transmitted to the EC site (step S19), but if the cancel does not occur for a predetermined time, the process ends. If an authentication error of the card information or an authentication pictorial symbol error occurs, an authentication error process is performed (step S19A), and the process ends.

  On the EC site side, when reception of a merchandise purchase request is detected in step S22, order reception processing is executed (step S23). The order reception process is a preparation for delivering a product. Thereafter, in step S24, the process waits for the predetermined time. If there is a cancel request during standby, cancel processing is executed (step S25). If there is no cancel request even after waiting for a predetermined time, it is determined that the order has been confirmed, and the process proceeds to a product delivery process (step S26). Thereafter, the processing result is transmitted to the SNS side (step S27). In step S27, you may make it transmit to SNS different from SNS at the time of purchase (SNS which performed step S10). Safety is further enhanced by performing purchase confirmation or purchase authentication on an SNS different from the SNS at the time of purchase.

(Screen example)
FIG. 5 is a diagram showing an example of a pictorial symbol registration screen displayed by the card registration means 25 described above. The pictorial symbol list 200 shown in the figure is a list of pictorial symbols stored in the pictorial symbol storage means 26, classified by type and displayed. The pictorial symbols prepared by the user are stored in the user information storage means 23 but displayed in the pictorial symbol list 200 in the same manner.

  The card information input and the pictogram may be associated with each other from a dedicated registration screen, but in the example shown in the figure, registration is performed in an interactive manner using a talk screen on the SNS. Screen 210 is a talk screen for inputting card information, and screen 220 is a talk screen for registering how to use card pictograms.

  Here, it is assumed that the user is prompted to select a card pictorial symbol from the screen 210 and selects the card pictorial symbol 201 from the pictorial symbol list 200. However, the card symbol does not necessarily have to be a card pattern. When the user selects a card pictogram, the user is prompted to enter the card type, name, card number, and the like. The input items differ depending on the type of card, but here a credit card is assumed. In the case of a credit card, the security code is required to be entered last. The card information may be input by key or by voice (other input is the same).

  When the card information has been entered, the user is prompted to select an authentication pictogram for the card. The authentication pictogram may be selected as long as it can be distinguished from the card pictogram, but may be changed for each card or may be common. When changing for each card, only the user himself / herself can associate with the card. For example, if it is a credit card, it is a pictorial symbol of a person, and if it is a debit card, it is a pictorial symbol of an animal. When changing the authentication pictogram depending on the payment amount, the person who seems to be more authoritative in the case of a person's picture, the payment amount is higher, and in the case of an animal picture, the payment amount is higher as the body is larger. .

  When the selection of the card pictogram and the association of the card information and the selection of the authentication pictogram are completed, the screen 220 is displayed, and the usage method and the like of the registered card can be input. Since the pictorial symbol of the registered card is displayed in the selection field 225 of the screen 220, the user can register the usage method for each card from here. In this example, the card with pictorial symbol 221 is registered exclusively for revolving payment, the card with pictorial symbol 222 is dedicated for lump sum payment, and the card with pictorial symbol 223 is registered only for installment payment. In the case of installment payment, the number of payments can be combined with the pictorial symbol. In this example, if the pictorial symbol 224 indicating the number of payments is specified together with the pictorial symbol 223 of the card, it means that the payment is 10 times.

  FIG. 6 is a diagram showing an example of a talk screen for synthesizing card pictograms. In this system, one pictorial symbol can be generated from a plurality of pictorial symbols. This is called picture symbol synthesis. The screen 230 in the figure shows a state in which the card pictorial symbol 231 and other pictorial symbols 232 are selected together and the usage method is registered as a bank transfer card. The picture symbol synthesized here is displayed on the card picture symbol 233.

  Another pictogram can be synthesized with the synthesized pictogram. In the example shown in the figure, a new card pictorial symbol 235 is generated by further combining the pictorial symbol 234 having the function of specifying the “transfer date” with the card pictorial symbol 233. Thereafter, when the user selects the card pictogram 235, the payment method is automatically bank transfer, and the transfer date can be designated as, for example, a salary date. It is assumed that the account information of the transfer destination is designated in advance from the EC site. In this way, a plurality of functions can be provided in a superimposed manner on one pictorial symbol, and there is no need to prepare a large number of designs for each card usage method and purpose.

  FIG. 7 is a diagram illustrating an example of a shopping screen from the SNS in the first embodiment of the present system. As described above, in this system, by selecting a net shop registered in the SNS friend list, shopping can be enjoyed as if talking with a friend. In addition to simply selecting an online shop, it is also possible to register the shop for each desired product category. In the example of the figure, if “OO net shop women's clothing” is selected as a partner to talk from the friend list screen 300, it jumps to the “women's clothing” category of “OO net shop”, and a talk screen 310 dedicated to that category is displayed. Is done.

  The user can shop in an interactive manner from the talk screen 310. The talk on the shop side is automatically answered by artificial intelligence, but in some cases it is possible to call a store clerk. In the example in the figure, a talk between a user who is looking for a spring coat and a shop is displayed. Here, it is detected that the user has suggested card payment, the picture symbol of the registered card is automatically displayed, and the user is selecting one of them.

(Second Embodiment)
FIG. 8 is a diagram showing a functional configuration in the second embodiment of the present system. Moreover, FIG. 9 is a figure which shows an example of the shopping screen from EC site in 2nd Embodiment of this system. In the first embodiment, all the pictorial symbol registration tables 24 are provided in the SNS system 20, but in the second embodiment, the SNS system 20 is provided with a card pictogram registration table 24a and an authentication pictogram registration table 24b. Is provided in the card company system 40. Hereinafter, only parts different from the first embodiment will be described with reference to FIGS. 8 and 9.

  As shown in FIG. 8, the site cooperation means 22 </ b> A of the SNS system 20 controls not only the EC site system 30 but also the card company system 40. At this time, it is assumed that the user information storage unit 23 stores information capable of detecting that the EC site system 30 and the user are common. Note that the user terminal communication unit 21, the card registration unit 25, and the pictorial symbol storage unit 26 in the SNS system 20 are not directly used in this embodiment. Further, it is assumed that the EC site system 30 is provided with customer information storage means 36, and the SNS and the card company to be linked are registered for each customer.

  The card company system 40 of the present embodiment includes user terminal communication means 41, SNS site cooperation means 42, user information storage means 43, authentication pictogram registration means 44, and card payment notification means 45. This will be briefly described below.

  The user terminal communication unit 41 controls communication with the user terminal 10, but is not directly used in the present embodiment. The SNS site cooperation means 42 controls the cooperation with the SNS system 20. The user information storage means 43 stores information registered by the user with a card company (or a bank in the case of a debit card), and includes an authentication pictorial symbol registration table 24b. In the authentication pictogram registration table 24b, the authentication pictogram selected by the user by the authentication pictogram registration means 44 in the card company system 40 is registered. The card payment notification means 45 communicates with the card payment means 34 of the EC site system 30 and notifies the payment result to the EC site side.

  For example, when a user performs shopping, the user first logs into the EC site system 30. Then, instead of selecting a card from the merchandise purchase screen on the EC site, an SNS that the user normally uses is selected. This state is shown on the shop purchase screen 400 in FIG. When one of the SNSs is selected from the shop purchase screen 400, a friend list registered in the SNS is displayed on the screen 410. In this friend list, cards possessed by the user are registered as “friends” on the SNS, and a payment card can be designated by selecting one of these cards. In addition, the image displayed beside each card in the screen 410 does not necessarily need to be a card pictorial symbol registered on the SNS.

  The friend list may be prepared on the EC site side, but may be acquired from the SNS system 20 by the SNS cooperation means 32 of the EC site system 30. That is, a friend list may be acquired using SNS API (Application Programming Interface). Or you may make it transfer control of a friend list to the SNS side. By doing in this way, a different card can be designated by SNS. For example, a credit card can be registered in one SNS, a debit card can be registered in another SNS, and an electronic money card can be registered in another SNS. Moreover, it becomes possible to share the information regarding shopping with an actual friend from the friend list of SNS by doing in this way.

  When the user selects a payment card (referred to as card A) from the screen 410, the card payment system 420 is displayed automatically connected to the system of the card company that manages the card A. The card payment screen 420 may be on the SNS side or on the net shop side. If it is on the SNS side, the subsequent control is transferred to the SNS side, and the card payment screen 420 displays information on the purchase information of the products purchased at the shop automatically transferred. The user confirms the purchase information and completes the settlement only by selecting the authentication pictogram. Although the authentication pictogram is displayed in the area 421 of the card settlement screen 420 to improve operability, it may not be displayed for security reasons. Moreover, when displaying, you may make it display including a dummy like a figure. In addition, a limit may be set on the number of times that the authentication pictogram can be selected.

  When the payment is completed normally, the card payment notifying means 45 notifies the EC site that the payment is completed, so that the payment can be received simultaneously with the payment notification on the EC site. Therefore, even in this embodiment, shopping can be performed without inputting the card number at the EC site. Further, since the card settlement and the registration of the authentication pictogram are performed in the card company system, the safety becomes higher.

  FIG. 10 is a diagram showing an example of a transfer screen on the debit card in the second embodiment of the present system. As already mentioned, in this system, it is possible to settle the purchase price by bank transfer using a debit card.

  A screen 500 shown in the figure is an EC site product purchase screen. From this screen 500, when the user designates bank transfer as the payment method and selects the SNS, the friend list of the SNS is displayed on the screen 510. When the user selects “00 bank net banking transfer” from this screen 510, the bank 0 bank net banking transfer screen 520 is displayed. However, it is assumed that net banking login has already been performed. Purchase information 521 is automatically transferred from the EC site and displayed on the transfer screen 520. Therefore, the user completes the transfer only by inputting the password for executing the transfer or the password from the transfer screen 520 and selecting the authentication pictogram 524. Currently, many banks use one-time passwords for transfers. One-time password cards (also called tokens) sent to users in advance, not fixed passwords registered by users or numbers in confirmation number tables. Can input a random number displayed on the liquid crystal unit. In such a case, a pictorial symbol 522 that prompts the user to enter a one-time password may be displayed.

(Modification)
In the first and second embodiments, the pictorial symbol registration table is provided on the SNS side or the card company side, but the pictorial symbol registration table is also provided on the user terminal side, so that the user can create illustrations, symbols, and photographs by himself / herself. For example, a means for registering a user-specific pictorial symbol in the SNS may be provided. For this reason, a dedicated application (dedicated application) may be installed on the user terminal side.

  In addition, this system may be regarded not only as a whole product purchase system but also as an EC site system as a subject or as an SNS system as a subject. That is, when the EC site system is regarded as the subject, it is an EC site system using pictorial symbols, and the personal pictorial symbols registered by the user and the card information of the payment card held by the user are registered in association with each other. SNS cooperation means for enabling cooperation with the SNS system, and card payment means for making payment by allowing a user to select a picture symbol of a payment card registered in the SNS system for payment for product purchase. It becomes. Further, when the SNS system is regarded as the main body, it is an SNS system using pictorial symbols, in which the pictorial symbols for the user registered by the user and the card information of the payment card held by the user are registered in association with each other. A registration means; and an EC site linkage means for linking a result of selecting a pictorial symbol of a payment card registered in the card registration means by the user for payment for purchase of a product with an EC site system. It becomes.

(Effect of embodiment)
According to this system, it is easy and safe to select a picture symbol such as a stamp used in LINE (registered trademark) or Facebook (registered trademark) without entering a card number. can do. Also, you can enjoy shopping like a SNS talk or a direct message that you use with your friends.

Further, not only the card pictogram is selected at the time of payment of the purchase price, but also the authentication pictogram for confirming the settlement is selected, so that it is possible to suppress erroneous operations and improve safety.
Also, since a plurality of pictorial symbols can be combined to generate a single pictorial symbol, it is not necessary to prepare many pictorial symbols according to the card usage and purpose.
Moreover, since it is also possible to directly select a card from the SNS friend list, it is possible to select a card that is most suitable for purchasing a product at that time as if a friend is selected. You can also share information about shopping with real friends.
In addition, by coordinating with the card company system, it is possible to immediately execute settlement on the card company side, not on the EC site.
Further, when a debit card is used as a payment card, the purchase price of the product can be paid by bank transfer, so that the card can be paid even at a shop that does not support credit card payment.

  In the above-described embodiment, the merchandise purchase system is mainly described in the net shop. However, the present invention can be applied to shopping in an actual store.

  As mentioned above, although this invention was demonstrated using embodiment, it cannot be overemphasized that the technical scope of this invention is not limited to the range as described in the said embodiment. It will be apparent to those skilled in the art that various modifications or improvements can be added to the above embodiment. Further, it is apparent from the scope of the claims that the embodiments added with such changes or improvements can be included in the technical scope of the present invention. In the above embodiment, the product purchase system has been described with the present invention as a product invention. However, the present invention can also be regarded as a method invention (product purchase method) or a computer program invention (product purchase program). You can also

10 User terminal (customer terminal)
20 SNS system 21 User terminal communication means 22 EC site cooperation means 23 User information storage means 24 Pic symbol registration table 24a Card pic symbol registration table 24b Authentication pic symbol registration table 25 Card registration means 26 Pic symbol storage means 30 EC site system 31 Customer Terminal communication means 32 SNS cooperation means 33 Product information storage means 34 Card payment means 35 Goods delivery means 40 Card company system 41 User terminal communication means 42 SNS site cooperation means 43 User information storage means 44 Authentication pictogram registration means 45 Card payment notification means 100a, 100b, 100c Shopping screen 101 Purchased goods display column 102 Card pictogram selection column 103 Card pictogram 104 Authentication pictogram selection column 105 Authentication pictogram 106 Payment completion notification 110 Card payment method Selection field 200 Pictogram list 210 Card information input talk screen 220 Card pictogram registration talk screen 221, 222, 223 Registered card pictogram 224 Other pictogram 225 Registered card selection field 230 Card pictogram composition talk screen 231, 232 , 234 Compositing symbol 233, 235 Post-compositing symbol 300 Friend list 310 Talk screen with online shop 400, 410, 420 Shopping screen from EC site 500, 510 Net shop product purchase screen 510 Friend list 520 Bank network Banking transfer screen 521 Purchase information at online shop 522 One-time password pictogram 523 One-time password 524 Authentication pictogram

Claims (11)

A product purchase system using pictorial symbols,
A card registration means for registering the pictorial symbol for the user registered by the user and the card information of the payment card held by the user in association with each other;
A card payment means for making a payment by allowing the user to select a picture symbol of a payment card registered in the card registration means for payment of a product purchase on an EC site;
A product purchase system comprising:   The SNS system and the EC site system are further provided with a site cooperation means for enabling cooperation, and the pictorial symbol uses a pictorial symbol on the linked SNS. Product purchase system.   3. The product purchase according to claim 2, wherein the card registration unit causes the user to register an authentication pictograph for authentication according to a payment amount of the product purchase, a usage method or a usage purpose of the payment card. system.   The merchandise purchase system according to any one of claims 1 to 3, wherein the card registration unit registers a new pictorial symbol generated by combining a plurality of pictorial symbols.   The product purchase system according to any one of claims 2 to 4, wherein the payment card is selected from a friend list of the SNS. The site cooperation means is connected so as to be able to cooperate with a payment card management system for managing the payment card,
The payment card management system comprises: means for causing the user to register the authentication pictogram; and card payment notifying means for notifying the system of the EC site of the result of settlement using the authentication pictogram. Item 3. A product purchase system according to item 3.   2. When the payment card is a debit card, selecting a pictogram of the debit card causes a bank system for payment with the debit card to transfer the payment for the product purchase. The product purchase system according to any one of items 1 to 6. An EC site system that uses pictorial symbols,
SNS cooperation means for enabling cooperation with an SNS system for registering the pictorial symbol for the user registered by the user and the card information of the payment card held by the user in association with each other;
Card payment means for making a payment by allowing the user to select a pictorial symbol of a payment card registered in the SNS system for payment of a product purchase;
An EC site system comprising: An SNS system using pictorial symbols,
A card registration means for registering the pictorial symbol for the user registered by the user and the card information of the payment card held by the user in association with each other;
An EC site cooperation means for linking the result of the user selecting a picture symbol of a payment card registered in the card registration means for payment of a product purchase, with an EC site system;
An SNS system comprising: A product purchase method using SNS,
Computer system
Connecting the SNS system and a system of an EC site where a user performs shopping so as to be able to cooperate;
Allowing the user to register the pictorial symbol for the user registered in the SNS in association with the card information of the payment card held by the user;
Causing the user to make a payment by selecting the pictorial symbol of the registered payment card for payment of a product purchase at the EC site;
A method for purchasing goods, characterized in that A program for purchasing products using SNS,
Computer system,
Connecting the SNS system and a system of an EC site where a user performs shopping so as to be able to cooperate;
Allowing the user to register the pictorial symbol for the user registered in the SNS in association with the card information of the payment card held by the user;
Causing the user to make a payment by selecting the pictorial symbol of the registered payment card for payment of a product purchase at the EC site;
A program characterized by having executed.