JP2020035370A - Payment proxy device, settlement system, settlement method, and program - Google Patents

Abstract

To increase the use of card settlement transactions between companies.SOLUTION: A payment proxy device comprises: an application acquiring unit for acquiring a payment proxy application that applies for a payment proxy of a transaction between a seller and a buyer; a commission distribution unit for distributing a transaction commission, in accordance with a transaction amount included in the payment proxy application, to the buyer's payment portion and the seller's payment portion to set it; and a payment proxy processing unit. The payment proxy processing unit performs a payment proxy of the transaction amount transferred from the buyer to the seller in accordance with the payment proxy application acquired by the application acquiring unit, executes advance payment processing for transferring a payment amount, where the seller's payment portion is reduced from the transaction amount, to the seller's account, and executes collection processing for collecting, from the buyer's account, the amount of money where the buyer's payment portion is added to the transaction amount.SELECTED DRAWING: Figure 1

Description

  The present invention relates to a payment agency, a payment system, a payment method, and a program.

  2. Description of the Related Art In recent years, card payment for performing transactions using a payment card such as a credit card has been widely used. In a conventional payment system using card payment such as credit payment, a payment is made to a seller at the request of a seller (supplier), and a buyer (buyer) performs payment by post-payment. In order to use card payment, the seller pays a payment fee to the card company (for example, see Patent Document 1).

JP 2017-37591 A

  However, in the conventional payment system, as described above, only one of the sellers bears the transaction fee, and this is a factor that makes transactions between companies using card payment not popular.

  The present invention has been made to solve the above problems, and an object of the present invention is to provide a payment agent device, a payment system, a payment method, and a program that can increase the use of card payment transactions between companies. is there.

  In order to solve the above problem, one embodiment of the present invention provides an application acquisition unit that acquires a payment agency application that applies for a payment agency of a transaction between a seller and a buyer, and a transaction amount included in the payment agency application. A corresponding payment commission, a commission distribution unit for setting by distributing between the buyer's share and the seller's share, and the transaction amount from the buyer to the seller according to the payment agency application acquired by the application acquisition unit. A payment agent processing unit that performs payment on behalf of the transaction amount and transfers a payment amount obtained by subtracting the seller's share from the transaction amount to the seller's account, and adds the buyer's share to the transaction amount. A payment agent processing unit for executing a collection process of collecting the collected money amount from the buyer's account.

  Further, according to one aspect of the present invention, in the above payment agent device, the transaction information corresponding to the transaction amount is stored in a settlement fee storage unit that stores the transaction amount and fee information indicating the settlement fee in association with each other. And a settlement fee setting unit for setting the settlement fee based on the commission information, wherein the commission distribution unit is configured to set the settlement fee based on distribution information acquired from a buyer terminal indicating the buyer terminal. The payment fee set by the setting unit is distributed and set between the buyer's share and the seller's share.

  Further, according to one aspect of the present invention, in the above-described payment acting apparatus, the fee information is a value of the payment fee or a ratio of the payment fee to the transaction amount.

  According to another aspect of the present invention, in the above-mentioned payment acting apparatus, the depositing fee setting unit for setting a depositing fee for the seller in accordance with a change in a deposit date paid to the seller by the advance payment process. The payment agent processing unit, when the payment date is changed, in the replacement payment processing, the transaction amount, the payment amount calculated based on the seller's share and the deposit fee, A process of transferring the account to the seller's account on the changed payment date is executed.

  In one embodiment of the present invention, in the above-mentioned payment agent device, the payment agent processing unit collects the collected money amount from the buyer's account using a card payment by a payment card in the collection process. And performing a payment request to the credit card company performing the card payment in exchange for the payment amount with the seller.

  Further, according to one aspect of the present invention, in the above-described payment agent device, the payment card is a credit card, and the payment agent processing unit executes the collection process using card payment with the credit card. It is characterized by the following.

  Further, one embodiment of the present invention includes a transaction processing device that provides an inter-company electronic commerce service, generates a payment agent application for applying for a payment agent of a transaction between a seller and a buyer, and a payment agent device. A payment acquisition unit for acquiring a payment agency application for applying for a payment agency of a transaction between a seller and a buyer, and a payment fee corresponding to a transaction amount included in the payment agency application. A commission distributing unit that is set by distributing the transaction amount to the share and the seller's share, and a payment agency process for acting for the payment of the transaction amount from the buyer to the seller in accordance with the payment agency application acquired by the application acquisition unit. A payment collection process in which a payment amount obtained by subtracting the seller's share from the transaction amount is transferred to the seller's account, and the collection amount obtained by adding the buyer's share to the transaction amount. A settlement system, characterized in that it comprises a payment proxy processing unit for executing recovery processing for recovering the amount from the account of the buyer.

  Further, according to one aspect of the present invention, the application obtaining unit obtains a payment agent application for applying for a payment agent of a transaction between a seller and a buyer, and a fee distribution unit includes the fee agent unit included in the payment agent application. A commission distribution step of distributing and setting a settlement fee according to the transaction amount to be paid to the buyer's share and the seller's share, and a payment agency processing unit according to the payment agency application acquired by the application acquisition step. Performing a substitute payment process of transferring the transaction amount from the buyer to the seller on behalf of the seller, and transferring a payment amount obtained by subtracting the seller's share from the transaction amount to the seller's account. A payment agency processing step of executing a collection process of collecting from the buyer's account a collection amount obtained by adding the buyer's share to the transaction amount. Is a settlement method characterized.

  Further, one embodiment of the present invention provides a computer, an application obtaining step of obtaining a payment agent application for applying for payment of a transaction between a seller and a buyer, and settlement according to the transaction amount included in the payment agent application. A commission distribution step of distributing a commission between a buyer's share and a seller's share, and paying the transaction amount from the buyer to the seller in accordance with the payment agency application acquired by the application acquisition step. In the payment agent processing step of acting on behalf of the transaction amount, the payment amount obtained by subtracting the seller's share from the transaction amount is transferred to the seller's account, and a replacement payment process is performed. And a payment agent processing step of executing a collection process of collecting an amount from the buyer's account.

  According to the present invention, it is possible to increase the use of card settlement transactions between companies.

It is a block diagram showing an example of the settlement system by a 1st embodiment. FIG. 5 is a diagram illustrating an example of data stored in a transaction information storage unit according to the first embodiment. FIG. 5 is a diagram illustrating an example of data stored in a usage fee storage unit according to the first embodiment. FIG. 5 is a diagram illustrating an example of data stored in a settlement fee storage unit according to the first embodiment. FIG. 5 is a diagram illustrating an example of data stored in a monthly usage fee storage unit according to the first embodiment. It is a figure showing the example of the data which the early payment commission storage part in a 1st embodiment memorizes. It is a figure explaining an example of operation of payment agency processing of the settlement system by a 1st embodiment. It is a figure explaining an example of the payment agency application processing of the payment agency server by a 1st embodiment. It is a figure showing an example of the upload screen of FB data in payment agency application by a 1st embodiment. It is a figure showing an example of a payment agency application screen by a 1st embodiment. It is a flow chart which shows an example of payment agency processing of a payment agency server by a 1st embodiment. It is a figure explaining an example of operation of payment agency processing of a payment agency server by a 1st embodiment. It is a block diagram showing an example of the settlement system by a 2nd embodiment. It is a figure explaining an example of operation of payment agency processing of the settlement system by a 2nd embodiment. It is a block diagram showing an example of the settlement system by a 3rd embodiment. It is a figure explaining an example of operation of payment agency processing of the settlement system by a 3rd embodiment. It is a block diagram showing an example of the settlement system by a 4th embodiment. It is a figure explaining an example of operation of payment agency processing of the settlement system by a 4th embodiment.

  Hereinafter, a payment agency and a settlement system according to an embodiment of the present invention will be described with reference to the drawings.

[First Embodiment]
FIG. 1 is a block diagram illustrating an example of a payment system 100 according to the first embodiment.
As shown in the figure, the settlement system 100 according to the present embodiment includes a payment acting server 1, a buyer terminal 2, a supplier terminal 3, a card company server 4, and a transaction processing server 5. The payment acting server 1, the buyer terminal 2, the supplier terminal 3, the card company server 4, and the transaction processing server 5 can be connected to each other via the network NW1.

In the example illustrated in FIG. 1, although not illustrated for the sake of explanation, the settlement system 100 can include a plurality of buyer terminals 2 and a plurality of supplier terminals 3.
Further, in the present embodiment, for example, an example of a payment card used for card transactions such as a credit card (including a purchasing card), a debit card, a prepaid card, and a transaction using a virtual settlement number utilizing a card transaction mechanism. A payment system 100 using a credit card will be described.

The buyer terminal 2 (an example of a buyer terminal) is a terminal device owned by a buyer who is a buyer in a transaction between companies. The buyer terminal 2 is connected to, for example, the transaction processing server 5 and the payment agent server 1 via the network NW1 by the operation of the buyer, and makes a contract for a transaction between the buyer and the supplier and requests payment agent (payment agent application). And so on. Further, the buyer terminal 2 includes an input unit 21 and a display unit 22.
In this embodiment, the supplier is a seller who sells a product or the like, and the buyer is a buyer who purchases the product or the like. A buyer is a member of a payment agency service contracted with a card company that performs card payment with a payment card.

The input unit 21 is, for example, a keyboard, a mouse, or the like, and receives various necessary information from a user (buyer) of the buyer terminal 2.
The display unit 22 (an example of an output unit) is, for example, a display device such as a liquid crystal display, and displays various information. The display unit 22 displays, for example, various display screens in the electronic commerce service using the transaction processing server 5 and various display screens in the payment agency service using the payment agency server 1.

  The supplier terminal 3 (an example of a seller terminal) is a terminal device owned by a supplier who is a seller in a transaction between companies. The supplier terminal 3 is connected to, for example, the transaction processing server 5 and the payment agency server 1 via the network NW1 by the operation of the supplier, and performs a transaction contract between the buyer and the supplier, and approves the payment agency. Further, the supplier terminal 3 includes an input unit 31 and a display unit 32.

The input unit 31 is, for example, a keyboard, a mouse, and the like, and receives various necessary information from a user (supplier) of the supplier terminal 3.
The display unit 32 (an example of an output unit) is, for example, a display device such as a liquid crystal display, and displays various information. The display unit 32 displays, for example, various display screens in the electronic commerce service using the transaction processing server 5, various display screens in the payment agency service using the payment agency server 1, and the like.

  The card company server 4 is a server device owned by a card company that issues a credit card and manages a credit card usage limit and the like, and manages the issued credit card. Here, the card company is a company that performs card payment by a credit card (settlement card), and is, for example, a card issuing company (Issuer) and a member store management company (Acquirer). The card company server 4, for example, manages the credit limit of each credit card, receives a credit confirmation request for confirming whether or not settlement using credit of the credit card is possible, and sends the confirmation result to the request source. Send.

In addition, the card company server 4 performs a transfer process for advance payment to a supplier and a credit settlement process for collection from a buyer in response to a request from the payment agency server 1. The card company server 4 includes, for example, a card management storage unit 41.
The card management storage unit 41 stores, for example, card contract information. Here, the card contract information is credit card contract information issued by the card issuing company, and is information registered in advance with the card issuing company. The card management storage unit 41 stores, for example, a card number and card contract information in association with each other. The card contract information includes, for example, information such as the card expiration date, company name, department, and user name.

The transaction processing server 5 (an example of a transaction processing device) is a platform that provides an electronic commerce service between companies, and supports transactions between buyers and suppliers. The transaction processing server 5 includes, for example, a sales contract storage unit 51.
The sales contract storage unit 51 stores sales contract information in transactions between buyers and suppliers. The sales contract information includes, for example, transaction dates, buyer information, supplier information, transaction amounts, payment dates (payment dates), and the like.

  The payment proxy server 1 (an example of a payment proxy device) provides a payment proxy service for performing a payment proxy based on a sales contract between a buyer and a supplier. In addition, the payment acting server 1 performs the payment acting by using card payment using a credit card. The payment acting server 1 includes an NW (network) communication unit 11, a storage unit 12, and a control unit 13.

The NW communication unit 11 performs various communications by connecting to the network NW1.
The storage unit 12 stores information used for various processes of the payment acting server 1. The storage unit 12 includes an account storage unit 121, a supplier information storage unit 122, a buyer information storage unit 123, a transaction information storage unit 124, a usage fee storage unit 125, a settlement fee storage unit 126, and a monthly usage fee storage. And an early deposit fee storage unit 128.

  The account storage unit 121 stores login information such as a login ID and a password for connecting to the payment acting server 1. The login information is stored in the account storage unit 121 when the buyer or the supplier registers as a member in the payment agency service.

  The supplier information storage unit 122 stores supplier information that is information on suppliers who are registered as members in the payment agent service provided by the payment agent server 1. The supplier information storage unit 122 includes, for example, company information (company name, corporate number, business type, etc.), person in charge information (affiliation name, user name, mail address, telephone number, etc.), account information (financial institution name, branch name, etc.). , Account number, account name, etc.) are stored as supplier information. If the supplier is affiliated with a member store, the member store number may be stored. The supplier information is stored in the supplier information storage unit 122 when the supplier registers as a member for the payment agency service.

  The buyer information storage unit 123 stores buyer information that is information on buyers registered as members in the payment agent service provided by the payment agent server 1. The buyer information storage unit 123 stores, for example, company information (company name, company number, business type, etc.), person in charge information (affiliation name, user name, mail address, telephone number, etc.), account information (financial institution name, branch name, etc.). , Account number, account name, etc.), credit card number, and the like are stored as buyer information. The buyer information is stored in the buyer information storage unit 123 when the buyer registers as a member for the payment agency service.

The transaction information storage unit 124 stores transaction information (information of payment application) for which payment was performed. The transaction information storage unit 124 stores, for example, sales contract information, a payment method, a settlement fee, a deposit fee caused by a change of the deposit date, and the like, as shown in FIG.
FIG. 2 is a diagram illustrating an example of data stored in the transaction information storage unit 124 according to the present embodiment. As shown in FIG. 2, the transaction information storage unit 124 stores “transaction date”, “transaction ID”, “buyer” and “supplier”, “transaction amount”, “payment date”, and “payment method”. , "Settlement fee" and "payment fee" are stored in association with each other.

  The “settlement commission” includes “total commission”, “buyer share”, and “supplier share”. In addition, the “payment fee” is an early payment fee in the case where the payment is advanced before the payment date (transfer date) to the supplier.

  For example, in the example shown in FIG. 2, the payment agency (transaction) corresponding to “XXXXX1” with “transaction ID” of “2018/4/1” with “transaction date” has “buyer” of “Company A”. , “Supplier” is “Company B”, and “Transaction amount” is “10 million yen”. The “payment date” of the payment agent to the supplier is “2018/4/30”, and the “payment method” is “account settlement”. Here, account settlement is a settlement method using settlement by a credit card set in association with buyer information. For example, a settlement fee varies according to a transaction amount, and a charge bearer and a burden amount can be set. Payment method. The “settlement fee” of this payment agency is that “total fee” is “100,000 yen”, “buyer share” is “60,000 yen”, and “supplier share” is “40,000 yen”. This indicates that the "payment fee" is "10,000 yen" (early payment fee).

Returning to the description of FIG. 1, the usage fee storage unit 125 stores information on the usage fee of the payment agency service. For example, as shown in FIG. 3, the usage fee storage unit 125 includes “introduction cost”, “settlement fee”, “monthly usage fee”, “system usage fee”, “user ID usage fee”, “payment fee”, and the like. The setting information of the usage fee of the item is stored.
FIG. 3 is a diagram illustrating an example of data stored in the usage fee storage unit 125 according to the present embodiment.
In FIG. 3, “settlement fee”, “monthly usage fee”, and “payment fee” vary depending on usage conditions, and thus usage fee storage unit 125 stores information indicating a setting table of each of these items.

  Returning to the description of FIG. 1 again, the settlement fee storage unit 126 stores a setting table (settlement fee master) for setting a commission generated for each settlement of the payment agent. The settlement fee storage unit 126 stores a setting table that associates transaction amounts with fee information. Here, an example of data stored in the settlement fee storage unit 126 will be described with reference to FIG.

FIG. 4 is a diagram illustrating an example of data stored in the settlement fee storage unit 126 according to the present embodiment. As shown in FIG. 4, the settlement fee storage unit 126 stores “transaction amount” and “commission information” in association with each other. Here, the "commission information" is information indicating a settlement fee, and indicates, for example, a ratio (rate) of the settlement fee to the transaction amount.
For example, in the example shown in FIG. 4, when the “transaction amount” is “less than 300,000 yen”, it indicates that the “commission information” is “XX%”. Note that, in the example shown in FIG. 4, an example is described in which the rate (rate) of the settlement fee is used for the “commission information”, but the value of the settlement fee may be used.

  Returning to the description of FIG. 1 again, the monthly usage fee storage unit 127 stores a setting table (monthly usage fee master) for setting a monthly usage fee when receiving the payment agency service. The monthly usage fee storage unit 127 stores a setting table in which the total transaction amount for one month is associated with usage fee information. Here, an example of data stored in the monthly usage fee storage unit 127 will be described with reference to FIG.

FIG. 5 is a diagram illustrating an example of data stored in the monthly usage fee storage unit 127 according to the present embodiment. As shown in FIG. 5, the monthly usage fee storage unit 127 stores “the total transaction amount of the previous month” and “usage information” in association with each other. Here, the “usage fee information” is information indicating a monthly usage fee, and indicates, for example, a value of a monthly usage fee with respect to a total transaction amount for one month.
For example, in the example shown in FIG. 5, when the “total transaction amount of the previous month” is “less than 5 million yen”, it indicates that the “usage fee information” is “XXXXXX yen”. Note that, in the example shown in FIG. 5, an example is described in which the amount of the monthly usage fee is used for the “usage information”, but the ratio (rate) of the monthly usage fee may be used.

  Returning to the description of FIG. 1 again, the early deposit fee storage unit 128 stores a setting table (early deposit fee master) for setting a deposit fee when the payment date to the supplier is desired to be advanced. The early deposit fee storage unit 128 stores a setting table in which the number of days for which the deposit date is shortened (the number of days advanced) is associated with the early deposit fee information. Here, an example of data stored in the early deposit fee storage unit 128 will be described with reference to FIG.

FIG. 6 is a diagram illustrating an example of data stored in the early deposit fee storage unit 128 according to the present embodiment. As shown in FIG. 6, the early deposit fee storage unit 128 stores “the number of days of shortened deposit” and “early deposit fee information” in association with each other. Here, the “early deposit fee information” is information indicating the early deposit fee, and indicates, for example, a ratio (rate) of the early deposit fee to the transaction amount.
For example, in the example shown in FIG. 6, when “the number of days to shorten the payment” is “1 to 10 business days”, “early payment fee information” indicates that “XX%”. . In the example shown in FIG. 6, an example is described in which the ratio (rate) of the early deposit fee is used for the “early deposit fee information”, but the value of the early deposit fee may be used.

Returning to the description of FIG. 1 again, the control unit 13 is, for example, a processor including a CPU (Central Processing Unit) and the like, and controls the payment agency server 1 overall. The control unit 13 transmits and receives information to and from the buyer terminal 2, the supplier terminal 3, the card company server 4, and the transaction processing server 5 via the NW communication unit 11, and executes various processes. The control unit 13 executes various processes such as, for example, a member registration process of a payment agency service, a setting process of various fees and usage fees, and a payment agency process.
The control unit 13 includes a buyer registration unit 131, a supplier registration unit 132, an application acquisition unit 133, a payment agency processing unit 134, a settlement commission setting unit 135, a commission distribution unit 136, and a deposit commission setting unit 137. Prepare.

  The buyer registration unit 131 receives buyer information in response to a buyer registration application from the buyer terminal 2, and stores the buyer information in the buyer information storage unit 123. The buyer registration unit 131 acquires the buyer information received from the input unit 21 or the like of the buyer terminal 2 via the NW communication unit 11, and stores the buyer information in the buyer information storage unit 123.

  The supplier registration unit 132 receives supplier information in response to a supplier registration application from the supplier terminal 3, and stores the supplier information in the supplier information storage unit 122. The supplier registration unit 132 acquires the supplier information received from the input unit 31 or the like of the supplier terminal 3 via the NW communication unit 11, and stores the supplier information in the supplier information storage unit 122.

  The application acquisition unit 133 acquires a payment agency application indicating an application for a payment agency from a buyer. Here, it is assumed that the payment agency application includes sales contract information indicating a sales contract between the supplier and the buyer. Further, in the present embodiment, the application acquisition unit 133 acquires, from the buyer terminal 2, a payment agency application including FB data (firm banking data) acquired from the transaction processing server 5 as sales contract information. Here, the FB data is data for performing a transfer process using a financial institution. For example, the FB data is data based on a sales contract contracted between a buyer and a supplier by the transaction processing server 5 (a sales contract). Information).

  For example, the application acquisition unit 133 reads the FB data by an operation from the buyer terminal 2, selects transaction data included in the FB data, receives a setting such as distribution of a settlement fee, and then receives a payment agency application. That is, the application acquisition unit 133 acquires the accepted payment agency application. Further, the application acquisition unit 133 causes the transaction information storage unit 124 to store information included in the payment agency application.

  The settlement fee setting unit 135 sets a settlement fee according to the transaction amount included in the sales contract information of the payment agency application. The settlement fee setting unit 135 acquires the settlement fee information corresponding to the transaction amount by referring to, for example, a setting table (settlement fee master) stored in the settlement fee storage unit 126, and based on the settlement fee information, Set the transaction settlement fee. In addition, the settlement fee setting unit 135 causes the transaction information storage unit 124 to store the set settlement fee.

  The fee distribution unit 136 distributes and sets the payment fee to the buyer's share and the supplier's share. The commission distributing unit 136 receives distribution information of the buyer's share and the supplier's share of the settlement commission set by the settlement commission setting unit 135 by operating the buyer from the buyer terminal 2, and receives the supplier's information from the supplier terminal 3. When the approval is obtained, the buyer share and the supplier share received from the buyer terminal 2 are set. Further, the commission distribution unit 136 causes the transaction information storage unit 124 to store the set buyer share and supplier share.

  As described above, the fee distribution unit 136 distributes and sets the payment fee set by the payment fee setting unit 135 to the buyer's share and the supplier's share based on the distribution information acquired from the buyer terminal 2. Note that the distribution information may be a value of the buyer's share and the supplier's share, or a ratio of the buyer's share and the supplier's share to the settlement fee.

  The deposit fee setting unit 137 sets a deposit fee to the supplier in accordance with a change in the due date to be paid to the supplier by a replacement payment process described later. When the deposit date is advanced, the deposit fee setting unit 137 sets the early deposit fee as the deposit fee according to the number of days advanced. The deposit fee setting unit 137 refers to, for example, a setting table (early deposit fee master) stored in the early deposit fee storage unit 128, and acquires early deposit fee information corresponding to the number of days moved forward (the number of days of shortened deposit). Then, an early deposit fee is set (generated) based on the early deposit fee information.

  The payment proxy processing unit 134 performs a payment process in which the payment amount corresponding to the sales contract is replaced with a supplier account (the supplier account 63 in FIG. 7) in accordance with the payment proxy application acquired by the application acquisition unit 133. Execute Further, the payment agency processing unit 134 executes a collection process of collecting a collection amount corresponding to the sales contract from the buyer's account (the buyer account 62 in FIG. 7) on a predetermined date after the acquisition of the payment agency application. That is, the payment agency processing unit 134 executes a replacement payment process and a collection process corresponding to the sales contract indicated by the FB data. Here, the payment amount indicates the amount to be paid to the supplier based on the transaction amount, and the collection amount indicates the amount to be collected (collected) from the buyer based on the transaction amount.

  The payment agency processing unit 134 functions as a virtual franchisee corresponding to a franchise of a card company that performs card payment with a payment card, and in the collection process, as a virtual franchisee, using card payment via the card company, A process of collecting the collection amount from the buyer account 62 is executed. Here, in order to function as a virtual member store, the operator of the payment agent server 1 or the card company acquires a member store number for the payment agent server 1 as a virtual member store for the payment agent server 1 in advance. Shall be In the collection process, the payment agency processing unit 134 collects the collected money from the buyer to the payment agency server 1 as a virtual member store by credit settlement using a credit card.

  In addition, the payment agency processing unit 134 requests the card company to pay the amount of money to be paid to the supplier account 63 in the replacement payment processing. The payment agency processing unit 134 transfers the payment amount to the supplier account 63 via the card company server 4, for example.

  Further, the payment agency processing unit 134 calculates the collection amount based on the settlement fee and the transaction amount according to the transaction amount of the sales contract. The payment agency processing unit 134 calculates the collection amount based on the settlement fee and the transaction amount set by the settlement fee setting unit 135 based on the transaction amount. Further, the payment agency processing unit 134 calculates the collection amount by adding the buyer's share in which the settlement fee is distributed by the fee distribution unit 136 to the transaction amount. That is, in the collection process, the payment agency processing unit 134 executes a process of collecting from the buyer account 62 a collection amount obtained by adding the buyer's share to the transaction amount.

  Note that the payment proxy processing unit 134 calculates the collection amount by the following equation (1).

  Collected amount = Transaction amount + Settlement fee paid by buyer ... (1)

  Further, the payment agency processing unit 134 calculates the payment amount by subtracting the supplier's share in which the settlement fee is distributed by the fee distribution unit 136 from the transaction amount. That is, the payment agency processing unit 134 executes a process of transferring the payment amount obtained by subtracting the supplier's share from the transaction amount to the supplier account 63 in the advance payment process.

  Further, when the payment due date is changed, the payment agency processing unit 134, in the advance payment process, the payment amount calculated based on the transaction amount of the sales contract and the deposit fee, the supplier account on the changed payment date. The process of transferring the information to 63 is executed. For example, when the payment due date is advanced, the payment agency processing unit 134 executes a process of transferring the payment amount obtained by subtracting the early payment fee from the transaction amount to the supplier account 63 in the replacement payment process. That is, in this case, the payment agency processing unit 134 performs a process of transferring the payment amount obtained by subtracting the early payment fee set by the payment fee setting unit 137 and the above-mentioned supplier share from the transaction amount to the supplier account 63.

  Note that the payment proxy processing unit 134 calculates the payment amount by the following equation (2).

  Payment amount = Transaction amount-Settlement fee paid by supplier-Early deposit fee ... (2)

  Further, the payment agency processing unit 134 calculates a total of usage fees on a monthly or predetermined period using the payment agency service on a predetermined date of each month, and performs a process of collecting the total of the usage fees from the buyer. Execute. The payment agency processing unit 134 calculates the total transaction amount for the last month based on the transaction information stored in the transaction information storage unit 124, for example, and a setting table (monthly usage fee master) stored in the monthly usage fee storage unit 127. , And acquires monthly usage fee information corresponding to the total transaction amount for the last month, and calculates the monthly usage fee based on the monthly usage fee information. The payment agency processing unit 134 further calculates the total of the last month's usage fee based on the calculated monthly usage fee and information on fixed usage items other than the monthly usage fee stored in the usage fee storage unit 125. .

Next, the operation of the settlement system 100 according to the present embodiment will be described with reference to the drawings.
FIG. 7 is a diagram illustrating an example of the operation of the payment acting process of the settlement system 100 according to the present embodiment.

Note that the financial institution server 6 shown in FIG. 7 has an account for performing a settlement process, for example, a payment agency account 61, a buyer account 62, and a supplier account 63.
The payment agent account 61 is an account opened by an operator or a card company for the payment agent service, the buyer account 62 is an account owned by the buyer, and the supplier account 63 is an account owned by the supplier. is there.

  As shown in FIG. 7, first, the buyer terminal 2 uses the transaction processing server 5 to make a transaction contract (sales contract) for a product or the like between the buyer and the supplier (step S101). The buyer terminal 2 logs in to the transaction processing server 5 by operating the input unit 21 of the buyer, and makes a transaction contract (trading contract) for a product or the like of the supplier. The transaction processing server 5 stores information on the transaction contract (trading contract) in the trading contract storage unit 51.

Next, the buyer terminal 2 downloads FB data (sales contract information) from the transaction processing server 5 (step S102).
Next, the buyer terminal 2 makes a payment proxy application and approval to the payment proxy server 1 (step S103). The buyer terminal 2 logs in to the payment agency server 1 by operating the input unit 21 of the buyer, sends the FB data that is the sales contract information to the payment agency server 1, makes a payment agency application, and performs the payment agency application. Make an approval. It should be noted that the buyer terminal 2 sets the sharing of the settlement fee, etc., and makes a payment agent application.

  Next, the supplier terminal 3 approves the payment application (step S104). In response to the payment agent application approval from the buyer terminal 2, the payment agent server 1 requests the supplier to approve the payment agent application by e-mail or the like, and in response to the approval request, the supplier terminal 3 Approve agency application.

  Next, the payment acting server 1 requests the card company server 4 to collect the collected money (step S105). The payment agent processing unit 134 of the payment agent server 1 uses the credit settlement as a virtual member store to request the payment agent account 61 corresponding to the member store number for the payment agent server 1 to collect the collection amount, This is performed on the card company server 4.

  Next, in response to the request for collecting the collection amount, the card company server 4 requests the financial institution server 6 to make a payment for the virtual member store (step S106). As a result, in the financial institution server 6, the collection amount (= transaction amount + buyer's share) is transferred from the card company to the payment agent account 61 (payment in advance).

  The payment acting server 1 requests the financial institution server 6 to pay the payment amount via the card company server 4 (Step S107). As a result, in the financial institution server 6, the payment amount (= transaction amount−supplier share−deposit fee) is transferred from the payment agency account 61 to the supplier account 63. Here, the deposit fee is an early deposit fee.

In addition, when the predetermined withdrawal date is reached, the card company server 4 requests the credit institution server 6 to collect the credit (collection amount) from the buyer account 62 to the card company (step S108). As a result, in the financial institution server 6, the collection amount is deducted from the buyer account 62 to the card company, and as a result, the collection amount (= transaction amount + buyer's share) is collected from the buyer account 62 to the payment agent account 61. Will be.
Thereby, the payment agency processing by the settlement system 100 is completed.

Next, with reference to FIGS. 8 to 10, a description will be given of a process of accepting a payment agency application by the payment agency server 1 of the present embodiment.
FIG. 8 is a diagram illustrating an example of a payment proxy application process of the payment proxy server 1 according to the present embodiment. FIG. 9 is a diagram illustrating an example of an FB data upload screen in the payment agency application according to the present embodiment. FIG. 10 is a diagram illustrating an example of a payment agency application screen according to the present embodiment.

  In FIG. 8, the payment acting server 1 first acquires FB data (step S201). The application acquisition unit 133 of the payment acting server 1 displays a display screen such as the screen G1 shown in FIG. 9 on the display unit 22 of the buyer terminal 2 and inputs the file name of the FB data by the input unit 21 in the input frame W1. By doing so, FB data is acquired. When the FB data is acquired, the payment acting server 1 displays a list of transaction data (trading contract) as shown on a screen G1 in FIG. When, for example, the “details” button BT1 of the transaction data D1 is pressed on the screen G1 by the input unit 21 of the buyer terminal 2, the application acquisition unit 133 causes the screen G2 of FIG. 10A and the screen G2 of FIG. A display screen for inputting the information on the payment proxy application, such as the screen G3, is displayed on the buyer terminal 2.

  Next, the application acquisition unit 133 acquires company information corresponding to the account information of the supplier (Step S202). The application acquisition unit 133 acquires, from the supplier information storage unit 122, company information corresponding to the account information of the supplier of the selected transaction data (sales contract). When the acquisition of the company information is successful, the application acquisition unit 133 causes the buyer terminal 2 to display “business partner company information” and “person in charge information” as shown in a screen G2 of FIG.

  Further, the application acquisition unit 133 determines whether the supplier is a member of the payment agency service (Step S203). The application acquisition unit 133 determines whether or not the supplier is a member of the payment agency service, based on whether or not the supplier information storage unit 122 has the above-described supplier account information and company information. When the supplier is a member of the payment agency service (step S203: YES), the application acquisition unit 133 advances the process to step S204. If the supplier is not a member of the payment agency service (step S203: NO), the application acquisition unit 133 advances the process to step S208.

  In step S204, the application acquisition unit 133 acquires the bill information and the payment method. The application acquisition unit 133 acquires invoice information (invoice number, transaction amount, due date, etc.) and payment method (account settlement, etc.) from the selected transaction data (trading contract).

  Next, the application acquisition unit 133 acquires fee information corresponding to the buyer (step S205). The application acquisition unit 133 acquires the settlement method based on the payment method and the transaction amount selected by the buyer by the settlement fee setting unit 135, and displays the settlement fee on the buyer terminal 2 as shown in a screen G4 in FIG. 10C. .

  Next, the commission distribution unit 136 of the payment acting server 1 accepts the sharing of the settlement fee and the burden amount (step S206). The fee distribution unit 136 receives the buyer's share and the supplier's share from the input unit 21 of the buyer terminal 2 in the input frame W2 of the screen G4 in FIG.

  Next, the application acquisition unit 133 receives a payment proxy application (Step S207). When the input unit 21 of the buyer terminal 2 presses the “payment proxy application” button BT2 on the screen G4 shown in FIG. 10C, the application acquisition unit 133 accepts the payment proxy application. Thereby, the application acquisition unit 133 causes the buyer terminal 2 to display the screen G5 of FIG. Note that the application acquisition unit 133 acquires the formal payment application transmitted from the buyer terminal 2 after the “payment application” button BT2 is pressed, and uses the acquired payment application as transaction information, and It is stored in the storage unit 124. As described above, the application acquisition unit 133 acquires the payment agency application including the FB data as the sales contract information through the series of processes described above. After the process in step S207, the payment surrogate application process ends.

  Further, in step S208, the application acquisition unit 133 determines whether or not the supplier is a nonconforming company. The application acquisition unit 133 uses, for example, an external company database or the like to determine whether or not the supplier is a related company of anti-social forces, and whether or not the supplier has a case where there is a nonconformity in past transactions. By determining, it is determined whether or not the company is a nonconforming company. If the supplier is a non-conforming company (step S208: YES), the application acquisition unit 133 proceeds with the process to step S211. If the supplier is not a non-conforming company (step S208: NO), the application acquisition unit 133 proceeds with the process to step S209.

  In step S209, the application acquisition unit 133 acquires the bill information and the payment method. The application acquisition unit 133 acquires invoice information (invoice number, transaction amount, due date, etc.) and payment method (account settlement, etc.) from the selected transaction data (trading contract).

  Next, the application acquisition unit 133 acquires fee information corresponding to the buyer (step S210). The application acquisition unit 133 acquires the settlement method based on the payment method and the transaction amount selected by the buyer by the settlement fee setting unit 135, and displays the settlement fee on the buyer terminal 2 as shown in a screen G4 in FIG. 10C. . In this case, since the supplier is not a member, the application acquisition unit 133 advances the process to step S207 without performing the process of sharing the settlement fee and accepting the amount of the burden.

  In step S211, the application acquisition unit 133 disables the acceptance of the payment proxy application, and ends the payment proxy application process.

Next, with reference to FIG. 11 and FIG. 12, details of the payment agency processing of the payment agency server 1 according to the present embodiment will be described.
FIG. 11 is a flowchart illustrating an example of the payment proxy processing of the payment proxy server 1 according to the present embodiment. FIG. 12 is a diagram illustrating an example of the operation of the payment acting process of the payment acting server 1 according to the present embodiment.

  As shown in FIG. 11, the application acquisition unit 133 of the payment acting server 1 first receives the acceptance of the payment acting application and the approval of the buyer (step S301). The application acquisition unit 133 receives the payment agency application through the above-described payment agency application process of FIG. Then, the application obtaining unit 133 requests the buyer to approve the payment proxy application by e-mail or the like, and in response to the approval request, the buyer terminal 2 approves the payment proxy application.

  Note that the processing of step S301 corresponds to the processing of acquiring the payment proxy application by the application acquisition unit 133. Here, it is assumed that the payment agency application has the contents shown in FIG. 11A as an example. That is, in the example shown in FIG. 11A, a payment agency process of paying a transaction amount of 10 million yen from company B to company A is performed, and the total settlement fee is 100,000 yen, of which 6 Buyers pay 10,000 yen and suppliers pay 40,000 yen. In addition, the early deposit fee is 10,000 yen.

  Next, the payment agency processing unit 134 of the payment agency server 1 executes an authorization process based on the payment agency application acquired by the application acquisition unit 133 (Step S302). Here, the authorization process is to perform a credit check on the card company. As shown in FIG. 12B, the payment agency processing unit 134 sets the transaction amount of 10 million yen and the settlement fee of the settlement fee. Authorization processing for the total amount of 100,000 yen is performed on the card company server 4. In the authorization processing, the payment agency processing unit 134 performs an authorization process for paying to the virtual member store of the payment agency processing unit 134 by card payment using the card number of the buyer (company A) to the card company server 4. Do.

On the other hand, the card company server 4 confirms the credit of the card number of the buyer (company A) based on the information stored in the card management storage unit 41, and transmits the authorization result to the payment acting server 1. . Here, the subsequent processing will be described assuming that the authorization result has no problem (credit is OK).
Note that, since the payment of the supplier's share of the settlement fee (company B's share) has not yet been approved, the payment agency processing unit 134 temporarily performs the authorization process using the total settlement fee of 100,000 yen.

  Next, the payment agency processing unit 134 performs a supplier approval request and a supplier approval reception (step S303). When there is no problem with the authorization result, the payment agency processing unit 134 requests the supplier (company B) to approve the payment agency application by e-mail or the like. The supplier (company B) uses the input unit 31 of the supplier terminal 3 to input the approval of the early payment application and the payment agency application, and transmits the approval result to the payment agency server 1. The payment agency processing unit 134 receives the approval result of the payment agency application. As a result, the supplier's share of the settlement fee (company B's share) and the early deposit fee are determined.

  Next, the payment agency processing unit 134 determines whether there is a supplier's share of the settlement fee (step S304). When there is a supplier's share of the settlement fee (step S304: YES), payment agency processing unit 134 advances the process to step S305. If there is no supplier's share of the settlement fee (step S304: NO), the payment acting processing unit 134 advances the process to step S306.

  In step S305, the payment agency processing unit 134 executes authorization cancellation of the settlement fee and authorization processing for the buyer's share. For example, as shown in FIG. 12C, the payment agency processing unit 134 cancels the authorization of 100,000 yen, which is the total amount of the settlement fee, to the card company server 4 and, as shown in FIG. Authorization processing of the yen is performed on the card company server 4. Note that, in step S302, instead of performing the authorization processing of 100,000 yen of the total amount of the settlement fee, the authorization processing of 60,000 yen corresponding to the buyer is performed on the card company server 4, so that this step may be skipped. Make it possible.

  Next, in step S306, the payment agency processing unit 134 executes a sales confirmation process. For example, as shown in FIG. 12C, the payment agency processing unit 134 performs a sales determination process for the transaction amount of 10 million yen and the buyer's share of 60,000 yen to the card company server 4. That is, the payment agency processing unit 134 requests the card company server 4 to collect the collected money amount of 10.6 million yen (= 10 million yen + 60,000 yen). As a result, the card company server 4 performs a process of transferring the collected amount of 10.6 million yen to the payment agency account 61 to the financial institution server 6. As a result, the collected amount of 10.6 million yen is transferred to the payment agent account 61 from the card company.

  Further, the card company server 4 performs a process of withdrawing the collected amount of 10.6 million yen from the buyer account 62 (the account of the company A) to the financial institution server 6 on the date of the subsequent deduction set by the credit settlement. As a result, the collected amount of 10.6 million yen is withdrawn (collected) from the buyer account 62 (company A account) on the later withdrawal date.

  Next, the payment agency processing unit 134 determines whether or not a supplier settlement processing date has been reached (step S307). The payment acting processing unit 134 determines whether or not a supplier settlement processing day for depositing on the payment due date to the supplier has arrived. If it is the supplier settlement processing day (step S307: YES), the process proceeds to step S308. . Further, when it is not a supplier settlement processing date (step S307: NO), the payment acting processing unit 134 returns the processing to step S307.

  In step S308, the payment agency processing unit 134 executes a transfer process to the supplier. For example, as shown in FIG. 12D, the payment agent processing unit 134 transfers the payment amount of 9.95 million yen (= 10 million yen-40,000 yen-1) from the payment agent account 61 to the supplier account 63 (company B account). FB data to be transferred is generated. The payment agency processing unit 134 requests the financial institution server 6 via the card company server 4 to pay a payment amount of 9.95 million yen to the supplier (company B) based on the generated FB data. Thus, the payment amount of 9.95 million yen is transferred from the payment agent account 61 to the supplier account 63 (company B account). After the processing in step S308, the payment acting processing unit 134 ends the payment acting processing.

  Note that the process of withdrawing (collecting) the collected amount of 10.6 million yen from the buyer account 62 (company A account) is performed in step S308 from the payment agency account 61 to the supplier account 63 (company B account). The process is executed at a later date than the process of transferring 9.95 million yen.

In the above-described processing, the payment agency processing unit 134 performs a process of transferring the payment amount from the payment agency account 61 to the supplier account 63 (company B account) using the FB data. If the company is a member company of the card company, the payment amount may be transferred using credit settlement.
Also, in the above-described processing, an example has been described in which the payment agency processing unit 134 makes a payment request to pay a payment amount of 9.95 million yen to the supplier (company B) via the card company server 4 based on the FB data. The request may be made directly to the financial institution server 6.

  As described above, the payment proxy server 1 (payment proxy device) according to the present embodiment includes the application acquisition unit 133 and the payment proxy processing unit 134. The application acquisition unit 133 is a payment agency application including sales contract information indicating a sales contract between a supplier (seller) and a buyer (buyer), and acquires a payment agency application indicating an application for a payment agency from a buyer. . The payment agency processing unit 134 executes a replacement payment process in which, in accordance with the payment agency application acquired by the application acquisition unit 133, the payment amount corresponding to the sales contract is paid to the supplier and paid, and the payment agency application is acquired. On a predetermined date, a collection process for collecting the collection amount corresponding to the sales contract from the buyer account 62 (buyer account) is executed.

  Accordingly, the payment agency server 1 according to the present embodiment performs the payment agency based on the request from the buyer based on the sales contract, and thus can be prevented from being regarded as, for example, a loan or a fund transfer according to the fund settlement method. Therefore, the payment acting server 1 according to the present embodiment can handle a transaction in which the maximum remittance amount exceeds one million yen at one time, and can widen the limit of the transaction amount. Therefore, the payment proxy server 1 according to the present embodiment can realize post-payment payment by a payment request from the buyer side, and can increase the use of card payment transactions between companies.

Further, in the present embodiment, the application acquisition unit 133 is a payment agent that includes FB data (firm banking data) acquired from the transaction processing server 5 (transaction processing device) that provides an inter-company electronic commerce service as sales contract information. The application is acquired from the buyer terminal 2 (buyer terminal), which is the buyer terminal. The payment agency processing unit 134 executes a replacement payment process and a collection process corresponding to the sales contract indicated by the FB data.
Thereby, the payment agency server 1 according to the present embodiment can easily associate the payment agency with the sales contract by the FB data acquired from the transaction processing server 5, and improve the convenience while increasing the transaction amount. Can be extended.

Further, in the present embodiment, the payment agency processing unit 134 functions as a virtual franchise corresponding to a franchise of a card company that performs card payment with a payment card, and in the collection process, as a virtual franchise via a card company. Then, a process of collecting the collected money amount from the buyer account 62 using the card settlement is executed.
Thereby, the payment agency server 1 according to the present embodiment can appropriately cope with the payment agency, for example, even when the supplier is not affiliated with the affiliated store. That is, in the payment acting server 1 according to the present embodiment, it is possible to expand the business partners to the suppliers who are not affiliated with the affiliated store, and it is possible to increase the use of the card settlement transaction between the companies.

Further, in the present embodiment, the payment card is a credit card, and the payment agency processing unit 134 executes a collection process using card payment with a credit card.
Accordingly, the payment acting server 1 according to the present embodiment can make the credit determination of the buyer by a credit card payment mechanism, and thus can easily make the credit determination of the buyer.

In the present embodiment, the payment agency processing unit 134 requests the card company to pay the amount of money to be paid for the supplier account 63 (supplier account) in the replacement payment processing.
Thereby, the payment agency server 1 according to the present embodiment can use the card company for payment of the payment amount to the supplier, so that the convenience can be improved.

In the present embodiment, the payment agency processing unit 134 calculates the collection amount based on the settlement fee and the transaction amount according to the transaction amount of the sales contract.
Thereby, the payment acting server 1 according to the present embodiment allows the buyer to bear the settlement fee, and thus can expand the range of the inter-company transaction.

In addition, the payment acting server 1 according to the present embodiment includes a commission distribution unit 136 that distributes and sets a settlement fee into a buyer's share (buyer's share) and a supplier's share (seller's share). The payment agency processing unit 134 executes a process of transferring the payment amount obtained by subtracting the supplier's share from the transaction amount to the supplier account 63 in the advance payment process, and a collection amount obtained by adding the buyer's share to the transaction amount in the collection process. A process of collecting from the buyer account 62 is executed.
Thereby, the payment acting server 1 according to the present embodiment can flexibly set the settlement fee between the buyer and the supplier, and can further expand the range of the inter-company transaction.

In addition, the payment acting server 1 according to the present embodiment sets a payment fee (for example, an early payment fee) to the supplier in accordance with a change in a payment due date to be paid to the supplier by the advance payment process. Is provided. When the payment date is changed, the payment agency processing unit 134 transfers the payment amount calculated based on the transaction amount of the sales contract and the payment fee to the supplier account 63 on the changed payment date in the replacement payment process. Execute the transfer process.
Thereby, the payment acting server 1 according to the present embodiment can set a payment fee (for example, an early payment fee) to the supplier according to the change of the payment date. In the payment acting server 1 according to the present embodiment, the supplier can flexibly specify the payment due date, and the number of options for specifying the payment due date increases, so that the convenience can be further improved.

Further, in the present embodiment, when the deposit date is advanced, the deposit fee setting unit 137 sets the early deposit fee as the deposit fee according to the number of days advanced. When the payment due date is advanced, the payment agency processing unit 134 executes a process of transferring the payment amount obtained by subtracting the early payment fee from the transaction amount to the supplier account 63 in the replacement payment process.
Thus, in the payment acting server 1 according to the present embodiment, the supplier can obtain the payment amount early by paying the early deposit fee. Therefore, the payment acting server 1 according to the present embodiment can further improve convenience.

Further, the payment acting server 1 according to the present embodiment obtains the fee information corresponding to the transaction amount from the settlement fee storage unit 126 that stores the transaction amount and the fee information indicating the settlement fee in association with each other, and And a settlement fee setting unit 135 for setting a settlement fee based on the settlement fee. The fee distribution unit 136 distributes and sets the payment fee into the buyer's share and the supplier's share based on the distribution information acquired from the buyer terminal 2 (buyer terminal) indicating the buyer's terminal. The commission information is the settlement commission amount or the ratio of the settlement commission to the transaction amount.
Thereby, the payment acting server 1 according to the present embodiment can appropriately set the settlement fee, the buyer share, and the supplier share by a simple method.

Further, the settlement system 100 according to the present embodiment includes a transaction processing server 5 (transaction processing device) that provides an electronic commerce service between companies, and a payment acting server 1. The payment proxy server 1 includes an application acquisition unit 133 and a payment proxy processing unit 134. The application acquisition unit 133 is a payment agent application that includes sales contract information indicating a sales contract between the supplier and the buyer contracted by the transaction processing server 5, and performs a payment agent application indicating an application for payment agent from the buyer. get. The payment agency processing unit 134 executes a replacement payment process in which, in accordance with the payment agency application acquired by the application acquisition unit 133, the payment amount corresponding to the sales contract is paid to the supplier and paid, and the payment agency application is acquired. On a predetermined date, a collection process of collecting the collection amount corresponding to the sales contract from the buyer account 62 is executed.
As a result, the settlement system 100 according to the present embodiment has the same effect as the above-described payment agent server 1, and can realize post-payment settlement by a payment request from the buyer side, and can perform card settlement transactions between companies. Use can be increased.

Further, the settlement method according to the present embodiment includes an application obtaining step and a payment acting processing step. In the application acquisition step, the application acquisition unit 133 acquires a payment agency application that is a payment agency application including sales contract information indicating a sales agreement between the supplier and the buyer, and that indicates a payment agency application from the buyer. In the payment agency processing step, the payment agency processing unit 134 executes a replacement payment process of paying by replacing the payment amount corresponding to the sales contract with the supplier according to the payment agency application acquired in the application acquiring step, On a predetermined date after the payment agency application is acquired, a collection process of collecting a collection amount corresponding to the sales contract from the buyer account 62 is executed.
As a result, the settlement method according to the present embodiment has the same effect as the above-described payment proxy server 1, and can realize post-payment settlement by a payment request from the buyer side, and can perform card settlement transactions between companies. Usage can be increased.

[Second embodiment]
Next, a payment agency server 1a and a settlement system 100a according to a second embodiment will be described with reference to the drawings.

FIG. 13 is a block diagram illustrating an example of a payment system 100a according to the present embodiment.
As shown in the figure, the settlement system 100a according to the present embodiment includes a payment agency server 1a, a buyer terminal 2, a supplier terminal 3, a card company server 4, and a transaction processing server 5. The payment agency server 1a, the buyer terminal 2, the supplier terminal 3, the card company server 4, and the transaction processing server 5 can be connected to each other via the network NW1.

In this figure, the same components as those shown in FIG. 1 are denoted by the same reference numerals, and description thereof will be omitted.
In the present embodiment, a modified example in which sales contract information is acquired from the transaction processing server 5 in cooperation with the transaction processing server 5 will be described.

  The payment proxy server 1a (an example of a payment proxy device) provides a payment proxy service for performing a payment proxy based on a sales contract between a buyer and a supplier. In addition, the payment acting server 1a performs payment acting by using card settlement using a credit card. The payment acting server 1a includes an NW communication unit 11, a storage unit 12, and a control unit 13a.

The control unit 13a is, for example, a processor including a CPU and the like, and totally controls the payment acting server 1a. The basic function of the control unit 13a is the same as that of the first embodiment except that the method of acquiring the sales contract information is different.
The control unit 13a includes a buyer registration unit 131, a supplier registration unit 132, an application acquisition unit 133a, a payment agency processing unit 134, a settlement commission setting unit 135, a commission distribution unit 136, and a deposit commission setting unit 137. Prepare.

  The application acquisition unit 133a acquires a payment agency application that includes, as sales contract information, transaction information between a supplier and a buyer acquired from the transaction processing server 5 that provides an inter-company electronic commerce service. Note that the application acquisition unit 133a may directly acquire the payment agency application included as the sales contract information from the transaction processing server 5, or may transfer the majority of the payment agency application to the buyer as in the first embodiment. You may make it acquire from the terminal 2 and acquire sales contract information from the transaction processing server 5.

  Further, the function of the payment agency processing unit 134 according to the present embodiment is the same as that of the first embodiment, and a description thereof will be omitted here.

Next, the operation of the settlement system 100a according to the present embodiment will be described with reference to the drawings.
FIG. 14 is a diagram illustrating an example of the operation of the payment acting process of the settlement system 100a according to the present embodiment.

As shown in FIG. 14, first, the buyer terminal 2 uses the transaction processing server 5 to make a transaction contract (sales contract) for a product or the like between the buyer and the supplier (step S401).
Next, the buyer terminal 2 causes the transaction information (trading contract information) to be transferred from the transaction processing server 5 to the payment acting server 1a. (Step S402).

  Next, the buyer terminal 2 makes a payment proxy application and approval to the payment proxy server 1a (step S403). The process in step S403 is the same as the process in step S103 shown in FIG. 7 except that FB data is not used, and thus description thereof is omitted here.

  Further, the subsequent processing from step S404 to step S408 is the same as the processing from step S104 to step S108 shown in FIG. 7, and thus description thereof is omitted here.

In the process of accepting a payment agency application by the payment agency server 1a of the present embodiment, the process of step S201 shown in FIG. 8 is replaced with the transaction information (trading contract information) acquired from the transaction processing server 5 from the FB data. Except for this point, the process is the same as the process shown in FIG. 8, and a description thereof will be omitted here.
Further, the details of the payment proxy processing of the payment proxy server 1a according to the present embodiment are the same as the processing of the first embodiment shown in FIGS. 11 and 12 described above, and thus the description thereof is omitted here.

As described above, in the present embodiment, the application acquisition unit 133a performs the payment including the transaction information between the supplier and the buyer acquired from the transaction processing server 5 that provides the inter-company electronic commerce service as the sales contract information. Get a proxy application.
Thereby, the payment agency server 1a and the settlement system 100a according to the present embodiment can use the transaction processing server 5 to more easily associate the payment agency with the sales contract, thereby improving convenience. , The limit on the transaction amount can be widened.

[Third Embodiment]
Next, a payment agency server 1b and a settlement system 100b according to a third embodiment will be described with reference to the drawings.

FIG. 15 is a block diagram illustrating an example of a payment system 100b according to the present embodiment.
As shown in the figure, the settlement system 100b according to the present embodiment includes a payment agency server 1b, a buyer terminal 2, a supplier terminal 3, and a card company server 4. The payment acting server 1b, the buyer terminal 2, the supplier terminal 3, and the card company server 4 can be connected to each other via the network NW1. Note that the present embodiment is different from the first embodiment in that the settlement system 100b does not include the transaction processing server 5.

In this figure, the same components as those shown in FIG. 1 are denoted by the same reference numerals, and description thereof will be omitted.
In the present embodiment, a modified example will be described in which a payment agency application including sales contract information is acquired without using the transaction processing server 5 described above.

  The payment proxy server 1b (an example of a payment proxy device) provides a payment proxy service for performing a payment proxy based on a sales contract between a buyer and a supplier. In addition, the payment acting server 1b performs the payment acting by using a card settlement using a credit card. The payment acting server 1b includes an NW communication unit 11, a storage unit 12, and a control unit 13b.

The control unit 13b is, for example, a processor including a CPU and the like, and controls the payment agent server 1b as a whole. The basic function of the control unit 13b is the same as that of the first embodiment except that the method of acquiring the sales contract information is different.
The control unit 13b includes a buyer registration unit 131, a supplier registration unit 132, an application acquisition unit 133b, a payment agency processing unit 134, a settlement commission setting unit 135, a commission distribution unit 136, and a deposit commission setting unit 137. Prepare.

  The application acquisition unit 133b acquires, from the buyer terminal 2, a payment agency application including image data indicating a sales contract as sales contract information. Here, the image data is, for example, image data obtained by imaging (or scanning) a document or a document that can be a proof of a sales contract such as a sales contract, an invoice, a quote, and an order slip.

In this embodiment, the application acquisition unit 133b acquires various information included in the payment agency application from the buyer terminal 2 by manual input (manual input) of the input unit 21 by the buyer.
In addition, the payment agency processing unit 134 of the present embodiment executes a replacement payment process and a collection process corresponding to the sales contract indicated by the image data. Other functions of the payment agency processing unit 134 are the same as those of the first embodiment, and the description thereof is omitted here.

Next, an operation of the settlement system 100b according to the present embodiment will be described with reference to the drawings.
FIG. 16 is a diagram illustrating an example of the operation of the payment acting process of the settlement system 100b according to the present embodiment.

  As shown in FIG. 16, first, the buyer terminal 2 makes a transaction contract (sales contract) for a product or the like between the buyer and the supplier (step S501). Here, it is assumed that the transaction processing server 5 is not used.

  Next, the buyer terminal 2 makes a payment proxy application and approval to the payment proxy server 1 (step S502). The buyer terminal 2 logs in to the payment agent server 1 by operating the input unit 21 of the buyer, sends various information necessary for the application for payment agent, and transmits the image data of the sales contract as the sales contract information. 1 to apply for payment. Also, the buyer terminal 2 approves the payment agency application. It should be noted that the buyer terminal 2 sets the sharing of the settlement fee, etc., and makes a payment agent application.

  Further, the subsequent processing from step S503 to step S507 is the same as the processing from step S104 to step S108 shown in FIG. 7, and thus description thereof is omitted here.

It should be noted that the processing of accepting a payment proxy application by the payment proxy server 1b of the present embodiment is the same as the processing illustrated in FIG. 8 except that the acquisition information in FIG. 8 is obtained by operating the input unit 21 of the buyer. Here, the description is omitted.
Further, the details of the payment proxy processing of the payment proxy server 1b according to the present embodiment are the same as the processing of the first embodiment shown in FIGS. 11 and 12 described above, and thus the description thereof is omitted here.

As described above, in the present embodiment, the application acquisition unit 133b acquires a payment agency application including image data indicating a sales contract as sales contract information from the buyer terminal 2 that is a buyer terminal. The payment agency processing unit 134 executes a replacement payment process and a collection process corresponding to the sales contract indicated by the image data.
As a result, the payment agent server 1b and the settlement system 100b according to the present embodiment can easily associate the payment agent with the sales contract without using the transaction processing server 5, thereby improving convenience. , The limit on the transaction amount can be widened.

[Fourth embodiment]
Next, a payment acting server 1c and a settlement system 100c according to a fourth embodiment will be described with reference to the drawings.

FIG. 17 is a block diagram illustrating an example of a payment system 100c according to the present embodiment.
As shown in this figure, the settlement system 100c according to the present embodiment includes a payment agency server 1c, a buyer terminal 2, a supplier terminal 3, a card company server 4, and a transaction processing server 5. The payment agency server 1c, the buyer terminal 2, the supplier terminal 3, the card company server 4, and the transaction processing server 5 can be connected to each other via the network NW1.

In this figure, the same components as those shown in FIG. 1 are denoted by the same reference numerals, and description thereof will be omitted.
In the present embodiment, a modified example in the case where a payment agent application is made from a supplier will be described.

  The payment proxy server 1c (an example of a payment proxy device) provides a payment proxy service for performing payment from a buyer to a supplier in response to a request from the supplier. In addition, the payment acting server 1c performs the payment acting by using a card settlement using a credit card. Further, the payment acting server 1c includes an NW communication unit 11, a storage unit 12, and a control unit 13c.

The control unit 13c is, for example, a processor including a CPU and the like, and totally controls the payment acting server 1c. The basic function of the control unit 13c is the same as that of the first embodiment except that the method of acquiring the payment agency application is different.
The control unit 13c includes a buyer registration unit 131, a supplier registration unit 132, an application acquisition unit 133c, a payment agency processing unit 134, a settlement commission setting unit 135, a commission distribution unit 136, and a deposit commission setting unit 137. Prepare.

The application obtaining unit 133c obtains, on the basis of the request of the supplier, a payment agency application including, as the sales contract information, the transaction information between the supplier and the buyer obtained from the transaction processing server 5 that provides the electronic commerce service between companies. I do.
In addition, the function of the payment agency processing unit 134 according to the present embodiment is the same as that of the first embodiment, and a description thereof will not be repeated.

Next, the operation of the settlement system 100c according to the present embodiment will be described with reference to the drawings.
FIG. 18 is a diagram illustrating an example of the operation of the payment acting process of the settlement system 100c according to the present embodiment.

As shown in FIG. 18, first, the buyer terminal 2 makes a transaction contract (a sales contract) for a product or the like between the buyer and the supplier using the transaction processing server 5 (step S601).
Next, the supplier terminal 3 causes the transaction processing server 5 to transfer the payment proxy application for performing the payment processing based on the sales contract by the payment proxy to the payment proxy server 1c. (Step S602). Thereby, the payment agency server 1c performs the payment agency process based on the payment agency application.

Subsequent processing from step S603 to step S606 is the same as the processing from step S104 to step S108 shown in FIG. 7, and thus description thereof is omitted here.
Note that details of the payment proxy processing of the payment proxy server 1c according to the present embodiment are the same as the processing of the first embodiment shown in FIGS. 11 and 12 described above, and thus description thereof is omitted here.

  The payment proxy server 1c according to the present embodiment includes an application acquisition unit 133c and a payment proxy processing unit 134. The application obtaining unit 133c obtains a payment agency application for applying for a payment agency for a transaction between a supplier and a buyer. The payment agency processing unit 134 executes a replacement payment process of paying the supplier in exchange for the payment amount corresponding to the transaction amount included in the payment agency application in accordance with the payment agency application acquired by the application acquisition unit 133, A collection process is performed to collect the collection amount corresponding to the transaction amount from the buyer account 62 by using a card payment with a payment card. Further, the payment agency processing unit 134 functions as a virtual franchise corresponding to a franchise of a card company that performs card payment, and uses the card payment as a virtual franchise in the collection process to transfer the collected money from the buyer account 62. Execute the collection process.

  Thereby, the payment agency server 1c according to the present embodiment can appropriately cope with the payment agency, for example, even when the supplier is not affiliated with the affiliated store. That is, in the payment agency server 1c according to the present embodiment, it is possible to extend the business partners to the suppliers who are not affiliated with the affiliated store, and it is possible to increase the use of the card settlement transaction between companies.

Further, in the present embodiment, the application acquisition unit 133c acquires a payment agency application from the transaction processing server 5 that provides an electronic commerce service between companies.
Thereby, in the payment agency server 1c according to the present embodiment, since the payment agency application can be performed using the transaction processing server 5, the convenience can be improved.

Further, the settlement system 100c according to the present embodiment provides an e-commerce service between companies, and generates a payment agent application for applying for a payment agent for a transaction between a supplier and a buyer; A proxy server 1c.
Thereby, the settlement system 100c according to the present embodiment has the same effect as the payment acting server 1c, and can increase the use of the card settlement transaction between the companies.

Further, the settlement method according to the present embodiment includes an application obtaining step and a payment acting processing step. In the application obtaining step, the application obtaining unit 133c obtains a payment agent application for applying for a payment agent for a transaction between the supplier and the buyer. In the payment agency processing step, the payment agency processing unit 134 functions as a virtual franchise corresponding to the franchise of the card company that performs the card payment, and in the collection process, uses the card payment as the virtual franchise and collects the collected amount. A process of collecting from the buyer account 62 may be executed.
Thereby, the settlement method according to the present embodiment has the same effect as that of the payment acting server 1c, and can increase the use of the card settlement transaction between the companies.

The payment agency server 1c according to the present embodiment includes an application acquisition unit 133c, a commission distribution unit 136, and a payment agency processing unit 134. The commission distribution unit 136 distributes and sets a settlement commission corresponding to the transaction amount included in the payment agency application to the buyer's share and the supplier's share. The payment agent processing unit 134 is a payment agent processing unit 134 that performs payment of the transaction amount from the buyer to the supplier in response to the payment agent application acquired by the application acquisition unit 133c, and reduces the supplier's share from the transaction amount. A payment process for transferring the paid amount to the supplier is performed, and a collection process for collecting the collection amount obtained by adding the buyer's share to the transaction amount from the buyer account 62 is executed.
Thereby, the payment acting server 1c according to the present embodiment can flexibly set the settlement fee between the buyer and the supplier, and can further expand the range of the inter-company transaction.

Further, the settlement method according to the present embodiment includes an application acquisition step, a commission distribution step, and a payment acting processing step. In the commission distribution step, the commission distribution unit 136 distributes and sets a settlement fee corresponding to the transaction amount included in the payment agency application to the buyer's share and the supplier's share. In the payment agency processing step, the payment agency processing unit 134 performs payment of the transaction amount from the buyer to the supplier in accordance with the payment agency application acquired in the application acquisition step, and subtracts the supplier's share from the transaction amount. The payment processing for transferring the amount to the supplier is executed, and the collection processing for collecting the collection amount obtained by adding the buyer's share to the transaction amount from the buyer account 62 is executed.
As a result, the settlement method according to the present embodiment has the same effect as that of the above-described payment proxy server 1c, and allows a settlement fee to be set flexibly between the buyer and the supplier, thereby increasing the range of inter-company transactions. Can be further expanded.

The present invention is not limited to the above embodiments, and can be modified without departing from the spirit of the present invention.
For example, in each of the above embodiments, the payment agent server 1 (1a to 1c) has been described as a device different from the transaction processing server 5, but the payment agent server 1 (1a to 1c) has the function of the transaction processing server 5. May be included.

  Further, in each of the above embodiments, the payment proxy server 1 (1a to 1c) is described as one device, but may be configured by a plurality of devices. Also, an example has been described in which the payment agent server 1 (1a to 1c) includes the storage unit 12, but a part or all of the storage unit 12 is provided outside the payment agent server 1 (1a to 1c). Is also good. For example, part or all of the storage unit 12 may be an external storage device connected to the network NW1.

  In the first to third embodiments described above, the example in which the payment agency server 1 (1a, 1b) acquires the payment agency application including the sales contract information by a different method has been described. A payment proxy application may be provided by a method, and these plural methods may be switched and used.

Further, in each of the above-described embodiments, an example has been described in which the payment agency processing unit 134 performs the transfer processing to the supplier using the FB data. However, the present invention is not limited to this. Then, a transfer process to the supplier may be performed.
Further, in each of the above embodiments, an example in which a credit card is used as an example of a payment card has been described. However, the present invention is not limited to this, and is used for other payment cards, or for other transfers or remittances. Alternatively, a virtual payment number or the like may be applied.

Further, in each of the above embodiments, the example of transferring the payment amount to the supplier account 63 is described as the payment to the supplier, but the payment is made to the IC card, the terminal, the hardware wallet, etc. of the supplier by electronic money or virtual currency. The amount may be directly transferred to the account other than the supplier account 63, for example.
In each of the above embodiments, the franchisee also includes a contract with a card company, other contracts, or an application form, and the virtual franchisee may not be a form in which a franchise contracts with the card company. .

Each of the components included in the payment system 100 (100a to 100c) and the payment acting server 1 (1a to 1c) has a computer system therein. Then, a program for realizing the functions of the respective components of the settlement system 100 (100a to 100c) and the payment acting server 1 (1a to 1c) is recorded on a computer-readable recording medium, and is recorded on the recording medium. The computer system may read and execute the recorded program to execute the processing in each of the components included in the payment system 100 (100a to 100c) and the payment acting server 1 (1a to 1c) described above. Here, "to make the computer system read and execute the program recorded on the recording medium" includes installing the program in the computer system. The “computer system” here includes an OS and hardware such as peripheral devices.
Further, the “computer system” may include a plurality of computer devices connected via a network including a communication line such as the Internet, a WAN, a LAN, and a dedicated line. The “computer-readable recording medium” refers to a portable medium such as a flexible disk, a magneto-optical disk, a ROM, and a CD-ROM, and a storage device such as a hard disk built in a computer system. As described above, the recording medium storing the program may be a non-transitory recording medium such as a CD-ROM.

  The recording medium also includes an internal or external recording medium accessible from the distribution server for distributing the program. Note that the program is divided into a plurality of programs, each of which is downloaded at a different timing, and then combined with each of the components included in the payment system 100 (100a to 100c) and the payment acting server 1 (1a to 1c). The distribution server that distributes each may be different. Further, the “computer-readable recording medium” holds a program for a certain period of time, such as a volatile memory (RAM) in a computer system serving as a server or a client when the program is transmitted via a network. Shall be included. Further, the program may be for realizing a part of the functions described above. Furthermore, what can implement | achieve the function mentioned above in combination with the program already recorded on the computer system, and what is called a difference file (difference program) may be sufficient.

  Further, some or all of the above functions may be realized as an integrated circuit such as an LSI (Large Scale Integration). Each of the above-described functions may be individually formed into a processor, or a part or all of the functions may be integrated into a processor. The method of circuit integration is not limited to an LSI, and may be realized by a dedicated circuit or a general-purpose processor. Further, in the case where a technology for forming an integrated circuit that replaces the LSI appears due to the advance of the semiconductor technology, an integrated circuit based on the technology may be used.

1, 1a, 1b, 1c Payment agent server 2 Buyer terminal 3 Supplier terminal 4 Card company server 5 Transaction processing server 6 Financial institution server 11 NW communication unit 12 Storage unit 13, 13a, 13b, 13c Control unit 21, 31 Input unit 22 , 32 display unit 41 card management storage unit 51 trading contract storage unit 61 payment agency account 62 buyer account 63 supplier account 100, 100a, 100b, 100c settlement system 121 account storage unit 122 supplier information storage unit 123 buyer information storage unit 124 transaction information Storage unit 125 Usage fee storage unit 126 Settlement fee storage unit 127 Monthly usage fee storage unit 128 Early payment fee storage unit 131 Buyer registration unit 132 Supplier registration unit 133, 133a, 133b, 133c Application acquisition unit 134 Payment agency processing unit 135 Already commission setting section 136 fee distribution unit 137 deposit fee setting unit

Claims (9)

An application obtaining unit for obtaining a payment agent application for applying for payment of a transaction between the seller and the buyer;
A commission distribution unit that sets a settlement fee according to the transaction amount included in the payment agency application by distributing and setting the buyer's share and the seller's share,
A payment agent processing unit that performs payment of the transaction amount from the buyer to the seller in response to the payment agent application acquired by the application acquisition unit, wherein the payment is obtained by subtracting the seller's share from the transaction amount. A payment agent processing unit that executes a reimbursement process for transferring an amount to the seller's account, and executes a collection process for collecting from the buyer's account a collection amount obtained by adding the buyer's share to the transaction amount. Characteristic payment agent. From the settlement fee storage unit that stores the transaction amount and the fee information indicating the settlement fee in association with each other, acquires the fee information corresponding to the transaction amount, and sets the settlement fee based on the fee information. Settlement fee setting section,
The commission distribution unit,
The payment fee set by the payment fee setting unit is distributed and set to the buyer's share and the seller's share based on the distribution information acquired from the buyer's terminal indicating the buyer's terminal. The payment proxy device according to claim 1. The payment agency device according to claim 2, wherein the fee information is a value of the payment fee or a ratio of the payment fee to the transaction amount. The reimbursement process includes a deposit fee setting unit that sets a deposit fee for the seller in response to a change in a deposit date to be paid to the seller,
The payment agency processing unit, when the payment date is changed, in the replacement payment process, the payment amount calculated based on the transaction amount and the seller's share and the payment fee, the payment amount is changed. The payment agency device according to any one of claims 1 to 3, wherein the payment agency device performs a process of transferring the account to the seller's account on the payment date. The payment agency processing unit executes a process of collecting the collection amount from the buyer's account using a card payment by a payment card in the collection process, and performs the card payment in the replacement payment process. The payment agency device according to any one of claims 1 to 4, wherein a processing request is made to a company to pay the payment amount in exchange for the seller. The payment card is a credit card,
The payment acting processing unit,
The payment proxy device according to claim 5, wherein the collection process is performed by using a card payment by the credit card. Providing an e-commerce service between companies, comprising a transaction processing device for generating a payment agent application for applying for payment of a transaction between a seller and a buyer, and a payment agent device,
The payment acting device,
An application obtaining unit for obtaining a payment agent application for applying for payment of a transaction between the seller and the buyer;
A commission distribution unit that sets a settlement fee according to the transaction amount included in the payment agency application by distributing and setting the buyer's share and the seller's share,
A payment agent processing unit that performs payment of the transaction amount from the buyer to the seller in response to the payment agent application acquired by the application acquisition unit, wherein the payment is obtained by subtracting the seller's share from the transaction amount. A payment agent processing unit that executes a reimbursement process for transferring an amount to the seller's account, and executes a collection process for collecting from the buyer's account a collection amount obtained by adding the buyer's share to the transaction amount. Characteristic settlement system. An application obtaining unit for obtaining a payment agent application for applying for payment of a transaction between the seller and the buyer,
A commission distributing step, wherein a commission distributing unit distributes and sets a settlement fee according to a transaction amount included in the payment agency application to a buyer's share and a seller's share,
A payment agent processing unit that performs payment of the transaction amount from the buyer to the seller in accordance with the payment agent application acquired in the application acquisition step, and A payment agent that performs a reimbursement process of transferring the payment amount reduced by the seller's share to the seller's account, and performing a collection process of collecting from the buyer's account a collection amount obtained by adding the buyer's share to the transaction amount. A settlement method, comprising: a processing step. On the computer,
An application obtaining step of obtaining a payment agent application for applying for payment of a transaction between the seller and the buyer;
A commission distribution step of distributing and setting a settlement fee according to the transaction amount included in the payment agency application between the buyer's share and the seller's share,
In response to the payment agency application acquired in the application acquisition step, in the payment agency processing step of performing payment of the transaction amount from the buyer to the seller, the seller's share was reduced from the transaction amount. Performing a payment process for transferring the payment amount to the seller's account, and performing a collection process for collecting from the buyer's account a collection amount obtained by adding the buyer's share to the transaction amount. Program for.

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