JP4508406B2 - Payment server system - Google Patents

Description

[0001]
BACKGROUND OF THE INVENTION
The present invention belongs to the technical field of the settlement server system.
[0002]
[Prior art]
When a consumer purchases a product, payment may be made with a credit card. At this time, the dealer notifies the credit company of the card number and inquires whether or not to approve the payment by credit card, and the credit company approves the settlement to the dealer after a predetermined credit check or A reply that does not approve may be made. The store determines whether or not to deliver the product to the consumer based on the response result.
[0003]
[Problems to be solved by the invention]
It is also widely used to perform such credit transactions using communication lines, but in the case of Internet communication transactions, whether or not the dealer's server approves credit card settlement to the credit company's server. After the inquiry, the credit company server returns transaction settlement approval data to the store server. However, in some cases, there is a risk that this approval data may be discarded along the way, and in addition, a malicious consumer impersonates a credit company and sells false authentication data created by himself instead of true approval data. Since it is technically possible to send it to the store, there is a risk that the store mistakes false approval information as true approval information and erroneously ships expensive products. An object of the present invention is to construct a system that can significantly reduce such a risk.
[0004]
[Means for Solving the Problems]
According to the present invention, the above-mentioned problems are achieved by the means described in the claims. That is, the invention of claim 1 is a settlement server system having a transaction server having a shopping site and a settlement server constructed by entrusting operation from a financial company, wherein the transaction server performs network transactions. When the settlement information received from the transaction client is transmitted to the settlement server, and when the settlement server receives the settlement information, the host computer of each financial company inquires whether or not to approve the settlement, and if it is approved The approval information including the approval number for displaying the result is transmitted to the transaction server and stored in the authorization file. When the transaction server receives the approval number from the payment server, the authorization server accesses and receives the authorization file. Compare the approval number with the approval number in the authorization file to see if they match. Sectional and a settlement server system characterized by an active network transactions with the transaction client only if they match.
[0005]
In the invention of claim 2, the approval information includes the approval number and a transaction number of the transaction client, and the settlement server searches the approval number in the authorization file from the transaction number. The payment server system according to claim 1 .
[0007]
DETAILED DESCRIPTION OF THE INVENTION
Fig. 1 shows the system outline. In FIG. 1, the trading client 20 can be configured by a personal computer with a built-in modem and browser software. The consumer drives the built-in modem by performing a predetermined operation, and dials up to the Internet 10. To do. The transaction server 30 has a shopping site operated by, for example, a store that sells products online, and displays a virtual shop WEB page on the browser screen when the transaction client 20 accesses.
[0008]
The settlement server 40 can be constructed, for example, in a mini-computer of a telecommunications carrier entrusted with operation from a plurality of financial companies, and when a network transaction is performed between the transaction server 30 and the transaction client 20, the Internet 10 is used. Generally, it receives a transfer of predetermined settlement information including transaction amount data and credit card number data. All the payment information input by the transaction client 20 performing the network transaction is transferred via the transaction server 30, or some of the payment information directly required by the transaction server 30 is transmitted via the transaction server 30 or the transaction server. The remaining payment information that is not directly required by the transaction 30 can be transferred from the transaction client 20 to the payment server 40 without going through the transaction server 30. When the settlement server 40 receives predetermined settlement information from the Internet 10, it makes an inquiry to the host computer of each financial company via the gateway 60 as to whether or not to approve the settlement, and authorizes the authorization information for displaying the result. 50, and the approval information is transferred to the corresponding transaction server 30. Each transmission / reception data is encrypted by SSL or the like as necessary.
[0009]
FIG. 2 shows details of the system, and FIG. 3 is an explanatory diagram of transmission / reception data. In FIG. 2, when the browser software is activated and a consumer who makes a purchase in the virtual shop of the transaction server 30 finds a desired product, the desired product is specified by clicking the mouse, and then the purchase of the product is performed. When the “Buy” button to confirm the will is clicked, the browser screen of the personal computer is switched, and the WEB page of the settlement server 40 linked to the shopping site of the transaction server 30 is displayed. At the same time, as shown in FIG. The number and the merchandise amount are transmitted from the transaction server 30 to the settlement server 40.
[0010]
When predetermined information such as a credit card number is input by a consumer who jumps to the WEB page of the settlement server 40 and the “settlement” button is clicked, the settlement server 40 makes an inquiry to the corresponding credit sales company and instantly. Whether or not approved is returned to the browser screen, and the approval data is stored in the authorization file 50. If the payment is approved, pop-up “Accepted window” on the browser screen, and when the “Confirm” button is clicked, the browser screen is switched and the display page is changed to the shopping site of the transaction server 30. At the same time, as shown in FIG. 3, the transaction number and the approval number are returned from the settlement server 40 to the transaction server 30. If the payment is not approved, the browser screen will pop up “Could not be accepted.” When the “OK” button is clicked, the browser screen is switched and the display page is switched to the shopping server 30 shopping. At the same time, the transaction number and the useless zero number are returned from the settlement server 40 to the transaction server 30.
[0011]
When the transaction server 30 receives the transaction number and the approval number from the settlement server 40, as shown in FIG. 3, the transaction server 30 accesses the authorization file 50 and searches for the approval number using the store number, transaction number, etc. as a key. The received approval number is compared with the retrieved approval number. If the two match, “Procedure has been completed.” Pops up, and when the “OK” button is clicked, sales are started and the sale of the merchandise is started. If they do not match, the “Procedure has been aborted.” Window pops up and when the “OK” button is clicked, this transaction is discarded and the shipment of the merchandise is stopped.
[0012]
[Modification]
The transaction server can access the authorization file only in a specific case such as when the amount is large, for example, based on the size of the product amount, and check the approval number returned from the settlement server. Alternatively, all access to the authorization file can be done afterwards. In other words, before accessing the authorization file, the net transaction procedure is completed to make provisional sales, and after the session between the transaction server and the transaction client is disconnected, the authorization file is accessed before the product is shipped, for example. In this way, it is possible to perform a search and compare with the approval number returned from the settlement server.
[0013]
Moreover, it is also possible to omit returning the approval number from the settlement server to the transaction server. At this time, when the transaction client returns from the WEB page of the payment server to the WEB page of the virtual site, the transaction server accesses the authorization file and checks whether or not the corresponding approval number is present, thereby determining the approval success or failure. It can be performed.
[0014]
In the above example, the browser screen of the transaction client is switched to distribute the input information to the transaction server and the input information to the settlement server. However, without switching the screen between the transaction server and the settlement server, the transaction server All input information may be input to the WEB page on the side. In this case, data necessary for the approval of the payment may be transmitted from the transaction server to the payment server.
[0015]
Further, the authorization file only needs to be disclosed at a position that can be referred to from the transaction server, and may be placed on another server different from the settlement server. In other words, a plurality of server machines can share the function of displaying whether or not to approve payment and the function of accumulating and disclosing approval information.
[0016]
【The invention's effect】
As described above, according to the present invention, the settlement server publishes the approval information, and the transaction server can determine the success or failure of the settlement approval by referring to the published approval information. It is possible to remarkably reduce the risk of incurring a large loss by misidentifying the approval information as true approval information.
[Brief description of the drawings]
FIG. 1 is a diagram showing a system outline. FIG. 2 is a diagram showing system details. FIG. 3 is an explanatory diagram of transmission / reception data.
10 Internet 20 Transaction Client 30 Transaction Server 40 Settlement Server 50 Authorization File 60 Gateway

Claims (2)

A settlement server system having a transaction server having a shopping site and a settlement server constructed by entrusting operation from a financial company,
The transaction server sends payment information received from a transaction client performing a network transaction to the payment server;
When the payment server receives the payment information, it queries the host computer of each financial company company whether to approve the payment, and if approved, the approval information including an approval number for displaying the result is displayed in the transaction. Along with sending to the server, storing it in the authorization file,
When the transaction server receives the approval number from the settlement server, the transaction server accesses the authorization file, compares the received approval number with the approval number in the authorization file, and determines whether or not they match. ,
A payment server system that enables network transactions with the transaction client only when the two match. The approval information includes the approval number and a transaction number of the transaction client, and the settlement server searches the approval number in the authorization file from the transaction number. The settlement server system described.

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