JP2019106095A - Processing device for performing settlement proxy between purchaser and seller - Google Patents

Abstract

To provide a processing device that executes settlement proxy with improved convenience.SOLUTION: A processing device, which is operated by a settlement proxy agency that performs settlement proxy for a purchase price between a purchaser and a seller, includes: receiving means for receiving a request signal for requesting settlement from a server device operated by the seller; first instruction means for transmitting to the server device 50A operated by a financial institution, a first instruction signal, which instructs remittance of the purchase price from a purchaser account established at a financial institution specified by the request signal to the settlement proxy agency account established at a financial institution; second instruction means for transmitting to the server device 50B operated by a selected financial institution, a second instruction signal, which instructs remittance of the purchase price from the settlement proxy agency account established at the selected financial institution to the seller account established at a financial institution set by the seller.SELECTED DRAWING: Figure 7

Description

  The technology disclosed in the present application relates to a processing device that substitutes for payment between a buyer and a seller, a method of using the same, and the like.

  In recent years, with the expansion of the electronic commerce (EC) market, a plurality of settlement services are available in EC shops, auction services, and the like. Japanese Patent Laid-Open No. 2009-9374 (Patent Document 1) discloses that a credit card or the like is used in order to settle a use fee in electronic commerce. A payment service using a credit card or debit card or a payment service using electronic money can be said to be a service that is highly convenient for the purchaser, since the payment service is completed immediately.

JP, 2009-9374, A

  However, a purchaser who does not have a credit card or the like pays almost all the commission for the settlement when selecting a settlement method such as bank transfer or cash on delivery. Moreover, in order to carry out bank transfer, it is necessary for the purchaser to use a bank window or an automatic teller machine, or to use Internet banking. When using either, compared with the case where payment etc. by a credit card are used, it takes time and effort, and convenience drops.

  Conversely, when viewed from the seller side, credit card payment etc. can be said to be a convenient service for the purchaser, but for the seller it will bear a high fee for payment, so bank transfer It will depress the rate of return of the product itself compared to etc. Since it is difficult to make a profit by itself for products with low unit prices, some sellers do not offer payment by credit card.

  In addition, it is not necessary for the seller to bear the commission for bank transfer, but the buyer dislikes the expense and effort of the bank transfer and loses the willingness to purchase, the buyer forgets to transfer, the error of the transfer amount, etc. There is concern over the impact of losing product sales opportunities.

  As described above, in the settlement method according to the prior art, there is a situation where it can not always be said that a highly convenient service is provided to both the buyer and the seller.

  Therefore, various embodiments of the present invention provide a processing apparatus that executes settlement with improved convenience.

  The processing apparatus according to an aspect of the present invention is a processing apparatus operated by a settlement agent company that substitutes for the settlement of the payment between the buyer and the seller, and the server apparatus operated by the seller Receiving means for receiving a request signal for requesting settlement via a communication line via the communication line and the account of the purchaser established from the financial institution specified by the request signal; First instruction means for transmitting a first instruction signal instructing remittance of the payment to the account of the settlement agent company, which is present, to the server apparatus operated by the financial institution via a communication line; Instructing remittance of the money from the account of the settlement agent company established in the financial institution to the account of the seller established in the financial institution set by the seller. An instruction signal, and comprising a second instructing means for transmitting to the server device operated by the selected financial institution via the communication line, the.

  The server apparatus according to an aspect of the present invention is operated by a financial institution connected via a communication line to a processing apparatus operated by a settlement agent company that substitutes for the settlement of the payment between the buyer and the seller. A server device, receiving means for receiving a first instruction signal indicating that remittance is instructed from the processing device via the communication line, and the settlement agency company from the account of the purchaser according to the first instruction signal Remittance means for remittance of the money to the account of

  A server apparatus according to another aspect of the present invention is operated by a financial institution connected via a communication line to a processing apparatus operated by a payment agent company acting on behalf of the settlement of charges between a buyer and a seller. A receiving device for receiving a second instruction signal indicating that remittance is instructed from the processing device via the communication line, and the account of the settlement agency company according to the second instruction signal. A financial institution or a remittance means for remittance of the money to the account of the seller established by a financial institution different from the financial institution.

  A method of use according to an aspect of the present invention is a method of using a processing device operated by a settlement agent company acting on behalf of a buyer for settlement of a payment between a seller and a server, the server operated by the seller A receiving step of receiving a request signal requesting substitution of the payment from the device via a communication line, and the account of the purchaser from the account of the purchaser established in the financial institution specified by the request signal A first instruction step of transmitting a first instruction signal instructing remittance of the payment to the account of the settlement agency company, which has been established, to a server device operated by the financial institution via a communication line; After the first instructing step, from the account of the payment agency established in the selected financial institution to the account of the seller established in the financial institution set by the seller; A second instruction signal instructing to remit the money, in which through a communication line and a second instruction step of transmitting to the server device operated by the selected financial institution.

  A method of use according to another aspect of the present invention is operated by a financial institution connected via a communication line to a processing device operated by a settlement agency company acting on behalf of the settlement of the payment between the buyer and the seller. A method of using the server device, comprising: receiving a first instruction signal indicating that remittance is instructed from the processing device through the communication line; and from the account of the purchaser according to the first instruction signal. Remittance of remittance of the payment to the account of the payment agency company.

  A method of use according to still another aspect of the present invention is operated by a financial institution connected via a communication line to a processing device operated by a payment agent company acting on behalf of payment settlement between a buyer and a seller. A method of using the server apparatus, the method comprising the steps of: receiving a second instruction signal indicating that remittance is instructed from the processing apparatus through the communication line; Remittance of remittance from the account to the account of the seller established by the financial institution or a financial institution different from the financial institution.

  A computer program according to an aspect of the present invention is means included in a processing device operated by a payment agent company that substitutes payment for a computer between a purchaser and a seller, and the seller Receiving means for receiving, via a communication line, a request signal requesting that the settlement be performed on behalf of the server apparatus operated, and the account from the purchaser's account established in the financial institution specified by the request signal A first instruction signal instructing remittance of the payment to the account of the payment agency company established at a financial institution is transmitted to a server device operated by the financial institution via a communication line Instruction means, and the seller who has been set up by the seller from the account of the settlement agent company set up at the selected financial institution The second instruction signal instructing to remit the money to the account is made to function as a second instruction means for transmitting to the server device operated by the selected financial institution via the communication line. .

  According to various embodiments of the present invention, it is possible to provide a processing device that performs payment with improved convenience.

FIG. 1 is a block diagram showing an example of the configuration of an information processing system according to an embodiment of the present invention. FIG. 2 is a block diagram showing an example of the configuration of the server device 40 used in the information processing system 1 shown in FIG. FIG. 3 is a block diagram showing an example of the configuration of the server device 50 used in the information processing system 1 shown in FIG. FIG. 4 is a block diagram showing an example of functions of the server device 40 used in the information processing system 1 shown in FIG. FIG. 5 is a block diagram showing an example of functions of the server device 50 used in the information processing system 1 shown in FIG. 6 shows an operation performed by the server device 40 operated by the payment agent company in the information processing system 1 shown in FIG. 1 to obtain an access token related to the use of the API from the server device 50 operated by the financial institution. It is a flow figure showing an example. FIG. 7 is a flow chart showing an example of the operation of the information processing system 1 shown in FIG. FIG. 8A is a schematic view showing a first state of a screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8B is a schematic view showing a second state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8 is a schematic view showing a third state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8 is a schematic view showing a fourth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8 is a schematic view showing a fifth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8 is a schematic view showing a sixth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8 is a schematic view showing a seventh state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8 is a schematic view showing an eighth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8 is a schematic view showing a ninth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8 is a schematic view showing a tenth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8 is a schematic view showing an eleventh state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 8 is a schematic view showing a twelfth state of the screen displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG. FIG. 9 is a view showing an example of the specification of transaction information which can be browsed by the terminal device 30 of the seller in the information processing system 1 shown in FIG. FIG. 10A is a schematic diagram for explaining the operation of the payment amount payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG. FIG. 10B is a schematic diagram for explaining the operation of the payment fee payment unit 115 in the server device 40 used for the information processing system 1 shown in FIG. FIG. 10C is a schematic diagram for explaining the operation of the payment amount payment unit 115 in the server device 40 used for the information processing system 1 shown in FIG. FIG. 11A is a schematic diagram for explaining the operation of the payment for payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG. FIG. 11B is a schematic diagram for explaining the operation of the payment amount payment unit 115 in the server device 40 used for the information processing system 1 shown in FIG.

  Various embodiments of the present invention will now be described in detail with reference to the accompanying drawings. It should be noted that components common to the drawings are denoted by the same reference numerals.

1. Overview of Information Processing System FIG. 1 is a block diagram showing an example of the configuration of an information processing system according to an embodiment of the present invention. As shown in FIG. 1, an information processing system 1 according to an embodiment is connected to a communication network 10 including the Internet etc., and a plurality of terminal devices 20-1, 20-2 operable by each purchaser.・ ・ ・ 20-N (hereinafter sometimes collectively referred to as "terminal device 20") and a plurality of server devices 30-1, 30-2, ... which are connected to the communication 10 and operated by each seller. , 30-N (hereinafter sometimes collectively referred to as "server apparatus 30"), and communication with one or more server apparatuses (processing apparatuses) 40 connected to the communication network 10 and operated by a payment agent company. Server devices 50-1, 50-2,..., 50-N connected to the network 10 and operated by each financial institution (hereinafter may be collectively referred to as "server device 50") mainly. Including.
The terminal device 20, the server device 30, the server device 40, and the server device 50 can communicate with each other via the communication network 10.

  The communication network 10 means a connection structure that enables information exchange between respective nodes (the terminal device 20, the server device 30, the server device 40, and the server device 50), and includes the Internet, a mobile communication network, It may include at least one of a fixed communication network and the like.

  The terminal device 20 used by each purchaser is any information processing device capable of displaying the information acquired from each of the server device 30, the server device 40, and the server device 50 with a predetermined application or a web browser. For example, a smartphone, a tablet terminal, a desktop computer, a notebook computer, a portable information terminal, a mobile phone, and the like are included without being limited thereto.

  The server device 30 operated by each seller uses a predetermined application installed on each terminal device 20, a web browser, etc. via the EC shop site or auction site operated or joined by the seller. It is provided to each terminal device 20 via the communication network 10. The server device 30 operated by each seller provides an overall service for settling the payment with the purchaser's terminal device 20 via the communication network 10. In one embodiment, the server device 30 functions as an application server, and provides services via various sites including an EC shop site and / or an auction site to the terminal device 20 that executes a predetermined application installed. Can be provided. In another embodiment, it functions as a web server that manages a web site composed of a plurality of web pages having a hierarchical structure, and as such a web site, various websites including EC shop sites and / or auction sites are terminal devices. Can be provided to 20.

  The server device 40 operated by the settlement agent company is instructed to substitute the settlement from the server device 30 operated by the seller via the communication network 10 for the settlement of the price between the buyer and the seller. By receiving the request signal to be requested, an instruction signal instructing to transfer the payment is sent to the server device 50 operated by the financial institution.

  The server devices 50 operated by each financial institution are the server devices 50A-1, 50A-2, ..., 50A-N (hereinafter collectively referred to as "server device 50A") which perform the first remittance. , And 50B-N (hereinafter, sometimes collectively referred to as “server device 50B”) that perform the second remittance.

  With regard to the settlement of the payment between the purchaser and the seller, the server device 50A operated by a certain financial institution is sent from the server device 40 operated by the settlement agency company to the financial institution via the communication network 10. A first instruction signal instructing remittance from the account of the purchaser established to the account of the settlement agency company established at the financial institution is received. According to the first instruction signal, server device 50A remits a payment from the account of the purchaser established at the financial institution to the account of the settlement agency company established at the financial institution (first remittance Run).

  With regard to the settlement of the payment between the purchaser and the seller, the server device 50B operated by a certain financial institution is connected to the financial institution from the server device 40 operated by the settlement agency company via the communication network 10. A second instruction signal instructing remittance to the account of the financial institution or another seller established by the financial institution is received from the account of the established settlement agency company. In accordance with the second instruction signal, server device 50B pays the payment agent company account opened to the financial institution to the account of the seller established by this financial institution or another financial institution. Send a remittance (perform a second remittance).

  The server device 50 operated by each financial institution can be one or both of the server device 50A that performs the first remittance and the server device 50B that performs the second remittance.

2. Configuration of Each Device Constituting Information Processing System 1 Next, an example of each configuration of the server device 40 and the server device 50 configuring the above-described information processing system 1 will be described.

2-1. Configuration of Server Device (Processing Device) 40 Operated by Payment Agent Company As shown in FIG. 2, the server device 40 includes a CPU (Central Processing Unit) 41, a main memory 42, and a user interface (I / F) 43. , A communication interface (I / F) 44, an external memory 45, and a disk drive 46, which are electrically connected to one another via a bus 47.

  The CPU 41 loads an operating system, a program for realizing various functions, and the like from the external memory 45 into the main memory 42, and executes an instruction included in the loaded program. The main memory 42 is used to store a program executed by the CPU 41, and is constituted by, for example, a DRAM. Instead of the CPU 41 or together with the CPU 41, it is also possible to use an MPU (Micro Processing Unit).

  The CPU 41 executes various processes and operations based on information received from at least one of the terminal device 20, the server device 30, and the server device 50.

  The user I / F 43 includes, for example, an information input device such as a keyboard or a mouse that receives an input from an operator, and an information output device such as a liquid crystal display that outputs the calculation result of the CPU 41. The communication I / F 44 may be implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof. The server device 40 is communicably connected to the terminal device 20, the server device 30, and the server device 50 using the communication I / F 44.

  The external memory 45 is configured of, for example, a magnetic disk drive, and stores various programs such as programs for realizing various functions. The external memory 45 can also store various data used in these programs.

  The disk drive 46 reads data stored in various storage media such as a CD-ROM, a DVD-ROM, a DVD-R, etc., or writes data in these storage media.

  The server device 40 having such a configuration communicates with the terminal device 20, the server device 30, and the server device 50 by executing the instructions included in the program loaded into the main memory 42 to control each element, and the server Control the device 50; Thus, the server device 40 can substitute for the settlement of the payment between the buyer and the seller.

2-2. Configuration of Server Device 50 Operated by Financial Institution FIG. 3 is a block diagram showing an example of the configuration of the server device 50 used in the information processing system 1 shown in FIG.
As shown in FIG. 3, the server device 50 includes a CPU 51, a main memory 52, a user interface (I / F) 53, a communication interface (I / F) 54, an external memory 55, and a disk drive 56. These components are electrically connected to one another via a bus 57.

  The CPU 51 loads an operating system, a program for realizing various functions, and the like from the external memory 55 into the main memory 52, and executes an instruction included in the loaded program. The main memory 52 is used to store a program executed by the CPU 51, and is constituted by, for example, a DRAM. It is also possible to use an MPU instead of the CPU 51 or together with the CPU 51.

  The CPU 51 executes various processes and operations based on information received from at least one of the terminal device 20, the server device 30, and the server device 40.

  The user I / F 53 includes, for example, an information input device such as a keyboard or a mouse that receives an operator's input, and an information output device such as a liquid crystal display that outputs the calculation result of the CPU 51. The communication I / F 54 may be implemented as hardware, firmware, communication software such as a TCP / IP driver or a PPP driver, or a combination thereof. The server device 50 is communicably connected to the terminal device 20, the server device 30, and the server device 40 using the communication I / F 54.

  The external memory 55 is formed of, for example, a magnetic disk drive, and stores various programs such as programs for realizing various functions. The external memory 55 can also store various data used in these programs.

  The disk drive 56 reads data stored in various storage media such as a CD-ROM, a DVD-ROM, a DVD-R or the like, or writes data in these storage media.

  The server device 50 having such a configuration communicates with the terminal device 20, the server device 30, and the server device 40 by executing instructions included in the program loaded into the main memory 52 to control each element. Thus, when the server device 50 functions as the server device 50A, the server device 50 can receive the first instruction signal from the server device 40 and execute the first remittance. When the server device 50 functions as the server device 50B, The second remittance can be performed by receiving the second instruction signal from the server device 40.

3. Functional devices constituting the information processing system 1 has Next, an example of a function, each having a server device 40 and server device 50 constituting the information processing system 1 described above.

3-1. Function of Server Device (Processing Device) 40 Operated by Payment Agent Company FIG. 4 is a block diagram showing an example of a function of the server device 40 used in the information processing system 1 shown in FIG. As shown in FIG. 4, the server device 40 mainly includes a communication unit 100, a control unit 110, and a storage unit 120.

  The communication unit (transmission / reception unit) 100 is a device connected to the communication network 10, for example, a terminal device 20 operated by a purchaser, a server device 30 operated by a seller, a server device 50 operated by a financial institution, etc. And the control unit 110 are communication interfaces for communicating. The communication unit 100 can be mainly realized by the communication I / F 44 and the CPU 41 among the elements illustrated in FIG. 2.

  The control unit 110 executes various functions (described later) for acting as an agent for settling the payment between the seller and the purchaser. The control unit 110 can be realized mainly by the CPU 41, the main memory 42, and the external memory 45 among the elements illustrated in FIG.

  The storage unit 120 stores information necessary to execute various functions (described later) for acting as an agent for settling the payment between the seller and the purchaser. The storage unit 120 can be realized mainly by the CPU 41, the main memory 42, and the external memory 45 among the elements illustrated in FIG.

The specific example of the function performed by the control part 110 is as follows.
(1) Purchaser management unit 111
The purchaser management unit 111 has a function for managing purchaser information (purchaser information). The purchaser management unit 111 can mainly perform registration of the purchaser at the time of first use, update of purchaser information, and the like. The purchaser information may be stored as purchaser information 121 in the storage unit 120.

(2) Seller management unit 112
The seller management unit 112 has a function for managing seller information (seller information). The seller management unit 112 can register and update seller information, contract conditions with the seller, and the like. The seller information may be stored as the seller information 122 in the storage unit 120.

(3) Financial institution manager 113
The financial institution management unit 113 has a function of managing account information (financial institution account information) and the like of a financial institution owned by each of the purchaser, the seller, and the payment agent company. The financial institution account information may be stored as the financial institution account information 123 in the storage unit 120. The financial institution management unit 113 mainly registers the account of the financial institution, registers the credential information (first permission information and second permission information) necessary for using the API (Application Programming Interface), and is determined by the financial institution. It is possible to update the credential information in terms of period and frequency. The credential information may be stored as financial institution information 126 in the storage unit 120.

(4) Payment for payment section 114
The payment for payment unit 114 has a function of managing remittance from the account held by the purchaser to the account held by the payment agent company. The payment payment unit 114 mainly accepts acceptance of a request signal from the server device 30, confirmation and notification of the result of remittance execution, an account held by the purchaser to an account held by the payment agency company C (between the same bank or the same bank It is possible to transmit an instruction signal (first instruction signal) instructing remittance by inter-branch transfer, and record the result of the remittance execution on transaction information. The transaction information may be stored as transaction information 124 in the storage unit 120.

(5) Payment for payment section 115
The settlement payment unit 115 has a function of managing remittance from the settlement agency company to the seller. The settlement payment unit 115 mainly sends an instruction signal (second instruction signal) instructing remittance (with bank transfer or same branch transfer) from the account held by the payment agent company to the account held by the seller. It is possible to transmit and record the result of the remittance execution on the transaction information. The transaction information may be stored as transaction information 124 in the storage unit 120. Further, the settlement payment unit 115 can also execute remittance from the settlement agency company to the seller in accordance with the frequency agreed in advance with the seller.

  Furthermore, when the payment agent company transfers money from the payment agent company to the seller, the payment fee payment unit 115 will be described later if there is not enough balance in the account held by the payment agent company at the same financial institution as the seller. In other financial institutions, it is possible to transfer money from the account held by the payment agent company to the account held by the seller (transfer between other banks).

(6) Balance management unit 116
The balance management unit 116 has a function of managing the balances of the accounts of a plurality of financial institutions held by the payment agent company. The balance management unit 116 mainly transfers funds for balance adjustment between accounts of each financial institution as described later, and performs balance information periodically with the accounts of each financial institution, and the like.

3-2. Function of Server Device 50 Operated by Financial Institution FIG. 5 is a block diagram showing an example of a function of the server device 50 used in the information processing system 1 shown in FIG. As shown in FIG. 5, the server device 50 mainly includes a communication unit 200, a control unit 210, and a storage unit 220.

  The communication unit (transmission / reception unit) 200 is a device connected to the communication network 10, for example, a terminal device 20 operated by a purchaser, a server device 30 operated by a seller, and a server device 40 operated by a payment agency company. And the control unit 210 communicate with each other. The communication unit 200 can be mainly realized by the communication I / F 54 and the CPU 51 among the elements illustrated in FIG. 3.

  The control unit 210 performs various functions (described later) for realizing the first remittance in the case where the server device 50 functions as the server device 50A, and / or in the case where the server device 50 functions as the server device 50B. It performs various functions (described later) for realizing the second remittance. The control unit 210 can be realized mainly by the CPU 51, the main memory 52, and the external memory 55 among the elements illustrated in FIG.

  The storage unit 220 stores information necessary to execute various functions (described later) for realizing the first remittance and / or the second remittance. The control unit 210 can be realized mainly by the CPU 51, the main memory 52, and the external memory 55 among the elements illustrated in FIG.

The control unit 210 mainly includes a management unit 211, a first remittance unit 212, and a second remittance unit 213.
The management unit 211 has a function of managing account information (financial institution account information) and the like of financial institutions owned by each of the purchaser, the seller, and the payment agency company. The financial institution account information may be stored in the storage unit 120. The management unit 211 can also perform registration of the account of the financial institution, registration of credential information (first permission information and second permission information) required for using the API, and the like. The credential information may also be stored in the storage unit 120.

  The first remittance unit 212 makes a payment at the financial institution from the account held by the purchaser at the financial institution in response to the communication section 200 receiving the first instruction signal from the server apparatus 40 operated by the payment agent company. Transfer money to the account held by the agency company (perform the first remittance).

  The second remittance unit 213 is triggered by the communication unit 200 receiving the second instruction signal from the server device 40 operated by the payment agent company, and the second remittance unit 213 operates in the financial institution (that is, the financial institution that operates this server device 40). The money is transferred from the account held by the payment agent company to the account held by the seller at the financial institution or another financial institution (a second remittance is performed).

4. Operation of information processing system 1
4-1. Basic Operation Next, the operation of the information processing system 1 having the above-described configuration will be described. In one embodiment, the purchaser sets a plurality of financial institution accounts to be used for payment of the payment to the server 40 operated by the payment agency company, and pays the payment for each payment. It may be possible to select an account of a financial institution to be used actually. Further, in one embodiment, the seller sets a plurality of accounts of the financial institution to which the settlement fee is to be transferred to the server device 40, and the financial institution with the highest priority among the accounts of the plurality of financial institutions is set. If the highest priority financial institution's account can not be used due to a system failure etc. of the financial institution, the next highest priority financial institution's account will be transferred to It can be used as an account.

6 shows an operation performed by the server device 40 operated by the payment agent company in the information processing system 1 shown in FIG. 1 to obtain an access token related to the use of the API from the server device 50 operated by the financial institution. It is a flow figure showing an example. FIG. 7 is a flow chart showing an example of the operation of the information processing system 1 shown in FIG. 8A to 8L are schematic diagrams showing transition examples of screens displayed on the terminal device 20 of the purchaser in the information processing system 1 shown in FIG.
Hereinafter, the operation of the information processing system 1 will be described by associating the operations shown in FIGS. 6 and 7 with the screen transitions shown in FIGS. 8A to 8L.

  First, referring to FIG. 8A, the screen of the buyer's terminal device 20 displays the EC shop received from the seller's server device 30 via a predetermined application prepared for the EC shop or a normal web browser. The page is displayed. The purchaser selects a product (here, “mineral water 500 ml” and “toilet paper 12 roll”) at the EC shop, and taps the “confirm” button 300. As a result, as shown in FIG. 8B, a page for selecting a payment method is displayed on the screen of the terminal device 20.

  The purchaser taps a button 301 "new settlement method" to select a new settlement method (hereinafter referred to as "new settlement method") proposed by the present application as a settlement method. As a result, as shown in FIG. 8C, the screen of the terminal device 20 displays the transfer source financial institution already registered as a financial institution (transfer source financial institution) used for the settlement of the price by the new settlement method. (If no transfer source financial institution is registered, the page shown in FIG. 8C is skipped, and the page shown in FIG. 8D described later is displayed.) Here, as an example, “×× bank” is displayed as a registered transfer source financial institution. Furthermore, on the screen of the terminal device 20, as shown in FIG. 8C, a button 302 "Add transfer source bank" prompting addition of a transfer source financial institution is also displayed.

  In the screen shown in FIG. 8C, when the purchaser selects a registered transfer source financial institution, a page shown in FIG. 8H described later is displayed.

  On the other hand, when the purchaser taps the button 302 to register a new transfer source financial institution, the page shown in FIG. 8D is displayed. Among the financial institutions displayed on this page as candidates for the transfer source financial institution, the purchaser shall select “ΔΔ bank” here. As a result, as shown in step (hereinafter referred to as "ST") 400 shown in FIG. 6, the terminal device 20 requests the seller's server device 30 to register or add the transfer source financial institution. Send a signal. In ST 401, server apparatus 30 having received this signal transmits, to server apparatus 40 of the settlement agency company, a signal indicating that cooperation for registration or addition of the transfer source financial institution is requested.

  In ST402, the server device 40 redirects the purchaser's terminal device 20 to request the server device 50A of the financial institution selected as the transfer source financial institution to consent to use the API. Thereby, the terminal device 20 redirects to a page provided by the server device 50A of the transfer source financial institution in ST 403 using a predetermined application prepared for the transfer source financial institution or a normal web browser. Jump).

  Subsequently, as shown in FIG. 8E, the screen of the terminal device 20 displays a web page prompting for login. When the purchaser inputs predetermined information, as shown in FIG. 8F, the screen of the terminal device 20 consents for the payment agent company (or seller) to use the API provided to the transfer source financial institution. A page to request is displayed. This operation corresponds to ST404 shown in FIG.

  When the purchaser taps the “permit” button 303 on the screen shown in FIG. 8F, the signal indicating that the terminal device 20 approves the use of the API by the payment agent company (or the seller) in ST 405 of FIG. 6 is a server It transmits to the device 50A. Thus, in ST406, server apparatus 50A issues an authorization code for acquiring credential information to the settlement agent company, and transmits this authorization code to server apparatus 40 of the settlement agent company by redirection. Next, in ST 407, redirection is performed via the purchaser's terminal device 20.

  The server device 40 of the settlement agent company, in ST 408, sets the received authorization code and transmits a signal to request the credential information on the use of the API. In ST 409, server device 50 A of the transfer source financial institution issues credential information (access token) relating to the use of the API to the settlement agent company, and transmits the issued credential information to server device 40. As a result, the settlement agent company subsequently provides the API of the purchaser's account with respect to the API prepared for the transfer source financial institution (a balance inquiry for the account of the purchaser's account established at the transfer source financial institution, a remittance instruction, etc. ) Can be used. The API defines the way of instructions from the application to the operating system, and provides various functions available from the application in the form of functions.

  Thus, when the API prepared for the transfer source financial institution becomes available to the payment agency company, the screen of the terminal device 20 is a predetermined application prepared for the transfer source financial institution shown in FIG. 8F. The screen provided by (or the normal web browser) is transitioned to the screen provided by a predetermined application (or the usual web browser) prepared for the EC shop shown in FIG. 8G.

  As shown in FIG. 8G, on the screen of the terminal device 20, it is displayed that the Δ と し て bank newly selected as the transfer source financial institution can be used to settle the payment by the new settlement method. When the purchaser selects the Δ 銀行 bank, a page prompting the purchaser to confirm the order content is displayed on the screen of the terminal device 20, as shown in FIG. 8H.

  When the purchaser confirms the order content by tapping the “Determine order” button 304 in the page illustrated in FIG. 8H, the terminal device 20 selects a new settlement method in ST 500 as shown in FIG. A signal to the effect that the selected (requesting a new settlement method) is sent to the server device 30 of the seller.

  Still referring to FIG. 7, in ST 501, server device 30 of the seller who has received the request for the new settlement method makes a settlement proxy request to server device 40 of the settlement agency company. Specifically, with respect to the settlement of the payment between the purchaser and the seller, the server device 30 operated by the seller requests the server device 40 of the settlement agency company to request the substitution of the settlement. Send to This request signal identifies the purchaser, information identifying the purchaser's financial institution account (the account held by the purchaser at the financial institution selected by the purchaser as a transfer source financial institution), and identifies the settlement. It may include information (such as order number), information indicating a payment fee, information identifying a seller, and the like.

  In ST 502, server device 40 having received the request signal from server device 30 receives from the account of the purchaser established in the financial institution specified by the request signal from the account of the settlement agency company established in the financial institution. A first instruction signal (remittance instruction) instructing remittance of the payment specified by the request signal can be transmitted to the server device 50A operated by the financial institution. In one embodiment, the server device 40 can transmit a first instruction signal to the server device 50A by executing the API provided by the financial institution. The use of this API by the server device 40 is the server device via the first instruction signal or another signal, the credential information (access token / first permission information) acquired from the server device 50A in the above-described ST409 of the server device 40. It may be made possible by transmitting to 50A and confirming that the server device 50A is appropriate for this credential information. Here, the server device 40 is a financial institution in which a settlement agent company is specified by a request signal to the remittance destination via the first instruction signal or another signal in order to realize inter-bank transfer or inter-branch transfer. You can specify the account you want to hold.

  The server device 50A that has received the first instruction signal performs, for example, a push notification (even notification by electronic mail or the like) to the purchaser's terminal device 20 in ST 503 in order to execute two-factor authentication (multi-path authentication). Do). Thereby, referring to FIG. 8 again, as shown in FIG. 8I, a push notification from a predetermined application prepared for the financial institution selected as the transfer source financial institution is displayed on the screen of the terminal device 20. (The terminal device 20 may receive an e-mail instead of receiving a push notification). When the purchaser taps the push notification, the predetermined application is activated by the terminal device 20 as shown in FIG. 8J. When the purchaser confirms and permits the transfer amount (payment for payment) using the predetermined application, the screen of the terminal device 20 displays two-factor authentication (plurality by the predetermined application, as shown in FIG. 8K) Route authentication) is required. That is, in addition to the authentication by the purchaser using the predetermined application prepared for the EC shop (the authentication shown in FIG. 8H), the predetermined prepared for the financial institution selected as the transfer source financial institution Authentication by the purchaser using the application (authentication shown in FIG. 8K) may be performed (note that it is possible to omit the second authentication illustrated in FIG. 8K). When the authentication shown in FIG. 8K is normally executed, the terminal device 20 returns to the predetermined application prepared for the EC shop, as shown in FIG. 8L, and the order is completed.

  After the two-factor authentication as described above is completed, referring to FIG. 7 again, the server apparatus 50A that has received the first instruction signal in ST504 determines from the account of the purchaser's account from the buyer's account according to the first instruction signal. Transfer money to the account (perform the first transfer). In another embodiment, after receiving the first instruction signal, the server device 50A may execute the first remittance without performing the two-factor authentication.

  The server device 40 operated by the settlement agent company receives a response to the first instruction signal (remittance instruction) from the server device 50A using the API, and confirms the result of the first instruction signal (remittance instruction). (ST505) The server device 30 of the seller is notified of the result (settlement result) of such confirmation (ST506).

  The server device 30 of the seller who has received the notification of the settlement result notifies the purchaser of the settlement result (ST 507). As a method of notification, it is possible to use a method such as displaying on the site of the purchaser and sending an e-mail. When the seller recognizes that the settlement is successful based on the notified settlement result, the seller carries out shipping of goods or provision of service to the purchaser (ST 508).

  The server device 40 of the settlement agency company executes the API provided by the selected financial institution to the server device 50B of the financial institution selected by the server device 40 at a frequency previously agreed with the seller. A seller who has been set up at a financial institution preset by the seller from an account of a settlement agency company set up at this selected financial institution by a method such as file transmission or Zengin TCP / IP procedure etc. It is possible to transmit a second instruction signal instructing remittance to the account (ST 509). The method for the server device 40 of the settlement agent company to acquire credential information (access token / second permission information) related to the use of the API provided by the server device 50B that executes the second remittance is, for example, the first remittance. The method may be similar to the method (the method described with reference to FIG. 6) of acquiring the credential information (access token / first permission information) related to the use of the API provided by the server device 50A that executes S.

  In one embodiment, in order to realize inter-bank transfer or inter-branch transfer, the server device 40 designates, as a remittance source, an account held by a payment agent company at a financial institution predetermined by the seller. (Ie, the server device 50B operated by the same financial institution as the financial institution preset by the seller can be selected as the server device 50B). In another embodiment, as described later with reference to FIGS. 10A to 10C, the balance (or the sum of the balance and the overdraft amount) of the source financial institution account is less than the amount required for the remittance. In such a case, the server device 40 can also temporarily transfer money from the account of another financial institution (that is, as the server device 50B, a different financial institution from the financial institution preset by the seller. It is also possible to select a server device 50B operated by an organization).

  In yet another embodiment, as described above, the server device 40 is set as a transferee normally used among accounts of a plurality of financial institutions preset by the seller (highest priority) If the financial institution's account can not be used (due to a failure of the financial institution's system, etc.), it is possible to use the next highest priority financial institution's account as a new transferee.

  In ST 510, server device 50B (that is, server device 50B of the financial institution selected by server device 40) having received the second instruction signal from server device 40 remits the payment from the account of the settlement agency company to the account of the seller Do (perform a second remittance). As described above, the financial institution in which the account of the settlement agent company is opened and the financial institution in which the account of the seller is opened may be the same as or different from each other.

  In ST 511, the server device 30 of the seller uses the functions provided by the server device 40 of the settlement agency company to inquire and output the details of the transaction performed with the purchaser as illustrated in FIG. Can be performed.

4-2. Operation of Payment Settlement Unit 115 in Server Device 40 Next, with reference to FIGS. 10A to 10C, an example of a specific operation of the settlement payment unit 115 that executes remittance from the settlement agency company to the seller described above. explain. FIGS. 10A to 10C are schematic diagrams for explaining the operation of the settlement payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG.

In the storage unit 120 of the server device 40, as shown in FIG. 10A, as a part of the balance information 125, the settlement agent company holds in each financial institution (here, as an example, the financial institution D1 to the financial institution D4). Credit limits, account balances and remitable amounts are stored for the account. The remittance amount is the total of the credit limit (credit limit) and the account balance.
Furthermore, as shown in FIG. 10A, the storage unit 120 of the server device 40 stores, as a part of the financial institution information 126, a fee for remittance from the financial institution serving as the remittance source to the financial institution to the remittance destination. ing.

  In such a state, as shown in FIG. 10A, the payment settlement unit 115 of the server device 40 performs remittance 1 (remittance amount: 300,000 yen / remittance destination: financial institution D1) and remittance as shown in FIG. 10A. 2 (Money transfer amount: 2,000,000 yen / remittance destination: financial institution D2)

  The settlement payment unit 115 preferentially executes inter-bank transfer or inter-branch transfer for each remittance as much as possible. Conversely, when the remittance amount of the account of the settlement agent company in the same financial institution as the financial institution of the transfer destination is less than the remittance amount, the settlement fee payment unit 115 is owned by the settlement agent company in other financial institutions. Remittance from the account to be transferred to the account held by the payment agent company at the financial institution of the transferee. Here, among the accounts held by the settlement agent company at a plurality of financial institutions, the settlement payment unit 115 includes various conditions, such as a condition that the overdraft utilization rate is low, and a condition that the interbank transfer fee is low. Can be selected as the account of the financial institution that is the source of remittance.

  First, focusing on remittance 1, the remittance amount (3,000,000 yen) of the account held by the settlement agent company at the same financial institution D1 as the financial institution D1 which is the remittance destination is the remittance amount (300,000 yen) Therefore, as shown in FIG. 10B, the settlement payment unit 115 transfers money from the account held by the settlement agency company to the account held by the seller at the financial institution D1, as shown in FIG. 10B.

  Next, focusing on remittance 2, the remittance amount (1,500,000 yen) of the account held by the settlement agent company at the same financial institution D2 as the financial institution D2 which is the remittance destination is the remittance amount (2,000, Less than 000 yen). Here, although the remittance amount of the account held by the settlement agent company at the financial institution D1 is equal to the remittance amount of the account held by the settlement agent company at the financial institution D3, the settlement payment unit 115 uses the overdraft The financial institution D1 with a smaller rate is preferentially selected. Moreover, although the remittance amount of the account held by the settlement agent company at the financial institution D1 is equal to the remittance possible amount of the account held by the settlement agent company at the financial institution D4, the financial institution D1 with lower transfer fee is given priority. select. As a result, as shown in FIG. 10C, the settlement payment unit 115 sells the financial institution D2 not from the account held by the settlement agent company but from the account held by the settlement agent company at the financial institution D2. Transfer money to the account held by

4-3. Operation of Balance Management Unit 116 in Server Device 40 Next, see FIGS. 11A and 11B for an example of a specific operation of the balance management unit 116 that adjusts the balances of the accounts of a plurality of financial institutions held by the settlement agent company. To explain. FIGS. 11A and 11B are schematic diagrams for explaining the operation of the settlement payment unit 115 in the server device 40 used in the information processing system 1 shown in FIG.

  The balance adjustment process executed by the balance management unit 116 appropriately manages the balances of the accounts held by the settlement agent companies at a plurality of financial institutions, in order to minimize the occurrence of the interbank transfer when the second remittance is performed. It is a process. This balance adjustment process may be performed periodically.

  As shown in FIG. 11A, the storage unit 120 of the server device 40 stores, as a part of the balance information 125, the remittance amount and the like of the accounts held by the settlement agent company at a plurality of financial institutions.

  The balance management unit 116 uses the balance information 125 to recognize an account having a remittable amount below the lower limit and an account having a remittable amount exceeding the upper limit. In the example shown in FIG. 11A, the balance management unit 116 recognizes the accounts of the financial institutions D3 and D5 as accounts having remittable amounts below the lower limit, and sets the financial account as the accounts having remittable amounts exceeding the upper limit. Recognize the accounts of institutions D2, D4 and Dn.

  In one embodiment, the balance management unit 116 can preferentially select, as the account for withdrawal, an account with the largest amount of remittance that exceeds the upper limit so that the number of transfers is minimized. For example, in the example shown in FIG. 11A, the balance management unit 116 preferentially selects the account of the financial institution D2 having the largest amount of remittance available for the amount exceeding the upper limit as the account for withdrawal, The financial institution D3 with the next largest amount below the lower limit can be selected as the deposit account. Further, the balance management unit 116 preferentially selects the account of the financial institution D4, which has the second largest amount of remittance over the upper limit, as the account for withdrawal, and the amount over which the amount of remittance is less is the largest. The financial institution D5 can be selected as the deposit account. Thereby, the balance management unit 116 transfers the shortage amount (3,000,000 yen) from the account held by the settlement agent company at the financial institution D2 to the account held by the settlement agent company at the financial institution D3, In D4, the shortage amount (200,000 yen) is transferred from the account held by the settlement agent company to the account held by the settlement agent company at the financial institution D5.

  Thereafter, the balance management unit 116 updates the balance information of each financial institution stored in the balance information 125 after execution of the transfer.

  The setting of the upper limit and lower limit for the balance of the account held by the payment agent company in each financial institution takes into consideration the ratio at which the purchaser and seller designate each financial institution and statistical information of the daily settlement fee, etc. Can be conducted for each financial institution. The upper limit value and the lower limit value can be appropriately reviewed in order to minimize the transfer between accounts. The upper limit value and the lower limit value may be efficiently derived using machine learning or the like.

  As described above, according to the above-described embodiment, with regard to the settlement of the price between the buyer and the seller, the buyer bears a burden on the buyer in addition to the reduction of time and effort involved in bank transfer. Fees related to settlements are also reduced. In addition, a purchaser who does not have a credit card or the like can make an almost immediate settlement 24 hours a day, 365 days a year.

  Even a seller who dislikes payment by credit card or the like due to the high fee and does not have an immediate payment means can introduce a means of immediate payment. In addition, since the purchaser can pay the payment directly from the settlement screen, the loss of the product sales opportunity due to the purchaser's forgetting of the transfer can be reduced. Further, since the seller can immediately receive the price of the sold product etc., the cash flow is improved as compared with the conventional payment method, and it becomes easy to additionally purchase the sold product. Furthermore, bank transfers will also be available for services such as food delivery where products must be delivered as soon as an order is received.

  Since both a buyer and a seller can make settlements 24/7, payment confirmation can be made immediately, so products can be shipped out as quickly as payment by credit card (shipping I will give). In addition, since transfer errors are less likely to occur, unnecessary procedures such as reassembly and costs can be reduced. Furthermore, by becoming a third party, the settlement agent company can provide escrow service, and secure transactions can be made for both the buyer and the seller.

  Therefore, according to the embodiment described above, it is possible to provide a processing apparatus that executes payment with improved convenience.

  In the above-described embodiment, the server apparatus 50B for performing the second remittance transfers money from the account of the settlement agency company to the account of the seller. However, the account of the seller who is the payee is the EC shop And it may be an account of a seller who operates an auction site or the like, or may be an account of a seller who opens an EC shop, an auction site or the like.

  As described above, the server device (processing device) operated by the settlement agent company instructs the server device operated by a certain financial institution to perform the first remittance (remittance from the buyer's account to the settlement agent account). Direct the second remittance (transfer from the settlement agency's account to the seller's account) to a server device operated by the same financial institution as this financial institution or another financial institution different from this financial institution With respect to the technical idea of performing the present invention, various embodiments incorporating various technical features that are not essential to realize this technical idea have been described as an example. However, the technical scope of the invention described in the claims is determined based on the description of the claims, and the technical features that are merely illustrated in the detailed description of the invention. It is needless to say that it is not limited to what it has.

  The processes and procedures described herein can be realized not only by those explicitly described in the embodiments, but also by software, hardware, or a combination thereof. Specifically, the processes and procedures described in this specification are realized by implementing logic corresponding to the process on a medium such as an integrated circuit, volatile memory, non-volatile memory, magnetic disk, optical storage, etc. Be done. In addition, the processes and procedures described in this specification can be implemented as computer programs of the processes and procedures and can be executed by various computers.

  Even though the processes and procedures described herein may be described as being performed by a single device, software, component, module, such processes or procedures may include multiple devices, multiple software, It may be performed by multiple components and / or multiple modules. Also, even though it is stated that the data, tables or databases described herein are stored in a single memory, such data, tables or databases may be included in a single device. It may be distributed and stored in a plurality of memories distributed in a plurality of memories or in a plurality of devices. Furthermore, the software and hardware elements described herein may be implemented by integrating them into fewer components or breaking them into more components.

10 communication network 20 terminal device operated by purchaser 30 server device operated by seller 40 server device operated by payment agency company 50 server device operated by financial institution 50A server device 50B that performs first remittance 2 Server apparatus 100 performing remittance 100 communication unit 110 control unit 111 purchaser management unit 112 seller management unit 113 financial institution management unit 114 payment payment unit 115 payment payment unit 116 balance management unit 120 storage unit 200 communication unit 210 control Part 211 Management part 212 First remittance part 213 Second remittance part 220 Storage part

In one embodiment, the balance management unit 116 can preferentially select, as the account for withdrawal, an account with the largest amount of remittance that exceeds the upper limit so that the number of transfers is minimized. For example, in the example shown in FIG. 11A, the balance management unit 116 preferentially selects the account of the financial institution D2 having the largest amount of remittance available for the amount exceeding the upper limit as the account for withdrawal, but the amount is less than the lower limit value of the financial institutions D3 most often, can be selected as an account for payment. Further, the balance management unit 116 preferentially selects the account of the financial institution D4, which has the second largest amount of remittance that exceeds the upper limit, as the account for withdrawal, and the amount below which the amount of remittance is less is the next The most frequent financial institution D5 can be selected as the deposit account. Thereby, the balance management unit 116 transfers the shortage amount (3,000,000 yen) from the account held by the settlement agent company at the financial institution D2 to the account held by the settlement agent company at the financial institution D3, In D4, the shortage amount (200,000 yen) is transferred from the account held by the settlement agent company to the account held by the settlement agent company at the financial institution D5.

Claims (14)

A processing apparatus operated by a payment agent company that substitutes for payment of a payment between a buyer and a seller,
Receiving means for receiving, via a communication line, a request signal requesting that the settlement be performed on behalf of the server device operated by the seller.
A first instruction signal instructing remittance of the payment from the account of the purchaser established at the financial institution specified by the request signal to the account of the settlement agency company established at the financial institution A first instruction unit configured to transmit, via a communication line, to a server apparatus operated by the financial institution;
A second instruction to remit the payment from the account of the settlement agency established at the selected financial institution to the account of the seller established at the financial institution set by the seller Second instruction means for transmitting an instruction signal to a server apparatus operated by the selected financial institution via a communication line;
Processing device equipped with.   The first instructing unit is configured to remit the money from the account established in the financial institution specified by the request signal among the accounts established in the plurality of financial institutions set for the purchaser. The processing device according to claim 1, which generates a first indication signal to indicate.   The second instruction means instructs remittance of the payment to an account established at a selected financial institution among accounts established at a plurality of financial institutions set for the seller. The processing apparatus according to claim 1, wherein a second instruction signal is generated.   The financial institution where the buyer's account specified by the request signal is opened and the financial institution where the seller's account set up by the seller is open are the same or different. The processing apparatus according to any one of claims 1 to 3.   The processing apparatus according to any one of claims 1 to 4, wherein the selected financial institution is the same as or different from the financial institution where the seller's account set by the seller is opened. . Storage means for storing the balances of accounts of a plurality of financial institutions owned by the settlement agent company;
Balance adjustment means for remittance from the account of one financial institution having a balance exceeding the upper limit to the account of another financial institution having a balance below the lower limit among the accounts of a plurality of financial institutions held by the payment agent company When,
The processing apparatus according to any one of claims 1 to 5, further comprising: The system further comprises first permission information acquisition means for acquiring first permission information for using a first interface from the purchaser and a financial institution that receives the first instruction signal,
The first instruction unit transmits the first instruction signal to a server device operated by the financial institution via the first interface permitted by the first permission information.
The processing apparatus according to any one of claims 1 to 6. The system further comprises second permission information acquisition means for acquiring second permission information for using a second interface from the seller and a financial institution receiving the second instruction signal,
The second instruction means transmits the second instruction signal to a server apparatus operated by the selected financial institution via the second interface permitted by the second permission information. Item 8. A processing device according to any one of Items 7. A server device operated by a financial institution connected via a communication line to a processing device operated by a settlement agent company that substitutes for the settlement of the payment between a buyer and a seller,
Receiving means for receiving a first instruction signal indicating that remittance is instructed from the processing device via the communication line;
Remittance means for remittance of the money from the account of the purchaser to the account of the settlement agent company according to the first instruction signal;
Server apparatus equipped with A server device operated by a financial institution connected via a communication line to a processing device operated by a settlement agent company that substitutes for the settlement of the payment between a buyer and a seller,
Receiving means for receiving a second instruction signal indicating that remittance is instructed from the processing device via the communication line;
Remittance means for remittance of the money from the account of the settlement agent company to the account of the seller established by the financial institution or a financial institution different from the financial institution according to the second instruction signal;
Server apparatus equipped with A method of using a processing device operated by a payment agent company that substitutes for payment of a payment between a buyer and a seller,
Receiving, via a communication line, a request signal requesting that the settlement be performed on behalf of the server device operated by the seller;
A first instruction signal instructing remittance of the payment from the account of the purchaser established at the financial institution specified by the request signal to the account of the settlement agency company established at the financial institution A first instructing step of transmitting, via a communication line, to a server device operated by the financial institution;
After the first instructing step, the payment is made to the account of the seller established in the financial institution set by the seller from the account of the settlement agency established in the selected financial institution. A second instruction step of transmitting a second instruction signal instructing remittance to a server device operated by the selected financial institution via a communication line;
How to use including. A method of using a server device operated by a financial institution connected via a communication line to a processing device operated by a payment agent company acting on behalf of the settlement of a payment between a buyer and a seller.
Receiving a first instruction signal indicating that remittance is instructed from the processing device through the communication line;
Transferring money from the account of the purchaser to the account of the payment agent company according to the first instruction signal;
How to use including. A method of using a server device operated by a financial institution connected via a communication line to a processing device operated by a payment agent company acting on behalf of the settlement of a payment between a buyer and a seller.
Receiving a second instruction signal indicating that remittance is instructed from the processing device via the communication line;
Transferring money from the account of the payment agent company to the account of the seller established by the financial institution or a financial institution different from the financial institution according to the second instruction signal;
How to use including. Computer,
It is a means included in a processing device operated by a payment agent company that substitutes for the payment of a payment between a buyer and a seller,
A receiving unit that receives a request signal requesting that the settlement be performed on behalf of the server device operated by the seller via a communication line;
A first instruction signal instructing remittance of the payment from the account of the purchaser established at the financial institution specified by the request signal to the account of the settlement agency company established at the financial institution A first instruction unit configured to transmit to a server device operated by the financial institution via a communication line;
A second instruction to remit the payment from the account of the settlement agency established at the selected financial institution to the account of the seller established at the financial institution set by the seller Second instruction means for transmitting an instruction signal to a server apparatus operated by the selected financial institution via a communication line;
Computer program to function as.

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