JP7280060B2 - Batch payment management server, payment information generation method and program - Google Patents

Description

The present invention relates to a collective payment management server, a payment information generating method, and a program.

2. Description of the Related Art In recent years, settlement systems have been widely used to settle transactions between sellers and buyers via communication networks such as the Internet. Payment systems are designed in various ways to promote their use. For example, Patent Literature 1 discloses a settlement system capable of changing the discount rate according to the scene or situation of settlement.

Japanese Unexamined Patent Application Publication No. 2017-21668

In relation to payment systems, there is a desire to grasp the commercial flow between buyers and sellers by not only attracting buyers to the payment system, but also attracting sellers to the payment system. However, the settlement system of Patent Literature 1 does not consider the circumstances of the seller, and there is still room for improvement in promoting the use of the settlement system by the seller.

SUMMARY OF THE INVENTION The present invention has been made in view of such a background, and an object of the present invention is to provide a collective payment management server, a payment information generation method, and a program that can promote the use of a payment system by buyers and sellers. and

In order to achieve the above object, the consolidated payment management server according to the first aspect of the present invention includes:
delivery information acquisition means for acquiring delivery information transmitted from the seller's communication terminal and being information on the product and price delivered by the seller to the buyer;
a status flag addition means for adding a status flag indicating that the buyer has not received the goods to the delivery information acquired by the delivery information acquisition means, and storing the delivery information with the added status flag in a storage means;
a transmission means for transmitting the delivery information acquired by the delivery information acquisition means to a buyer's communication terminal;
Receipt for determining whether or not receipt confirmation information, which is information to the effect that the receipt of the goods shipped from the seller to the buyer is confirmed and which is transmitted from the buyer's communication terminal that has received the delivery information transmitted from the transmission means, has been acquired. a state determination means;
When the receipt status determination means determines that the receipt confirmation information has been acquired, the status flag included in the delivery information stored in the storage means corresponding to the acquired receipt confirmation information is changed from unreceived to received. a changing flag update means;
Each time the latest settlement period ends, the delivery information whose status flag is updated by the flag update means is extracted from the storage means, and is information on the cumulative value of the received amount of goods for each buyer in the latest settlement period. payment information generating means for generating payment information;
A collective settlement management server comprising
the transmitting means transmits the payment information generated by the payment information generating means to a financial institution server;
The collective settlement management server
Billing information, which is information relating to an amount billed by a financial institution to a buyer as payment for a product and a product payment collection fee for which the financial institution requests payment as consideration for collecting the product price on behalf of the financial institution, is sent from the financial institution server. billing information acquisition means to acquire;
matching means for matching the billing information acquired by the billing information acquisition means with the delivery information stored in the storage means;
Prepare.

The receipt status determination means receives information transmitted from the buyer's communication terminal that has received the delivery information transmitted from the transmission means, indicating that the receipt of the goods has been canceled due to defects in the goods shipped from the seller to the buyer. Determine whether or not the cancellation information has been acquired,
The transmitting means may transmit information requesting the buyer to deliver the product again to the communication terminal of the seller when the reception status determining means determines that the cancellation information has been acquired. .

a receipt list screen creation means for creating a receipt list screen showing a list and prices of products shipped from the seller to the buyer based on the delivery information acquired by the delivery information acquisition means;
The transmission means may transmit data relating to the reception list screen created by the reception list screen creation means to the buyer's communication terminal.

In order to achieve the above object, the consolidated payment management server according to the second aspect of the present invention
delivery information acquisition means for acquiring delivery information transmitted from a buyer's communication terminal, which is information relating to the product delivered by the seller to the buyer and its price, and for storing the acquired delivery information in a storage means;
Each time the latest payment period ends, the delivery information acquired by the delivery information acquisition means is extracted from the storage means, and payment information is information relating to the cumulative value of the received amount of goods for each buyer in the latest payment period. a payment information generating means for generating
a transmitting means for transmitting the payment information generated by the payment information generating means to a financial institution server;
Billing information, which is information relating to an amount billed by a financial institution to a buyer as payment for a product and a product payment collection fee for which the financial institution requests payment as consideration for collecting the product price on behalf of the financial institution, is sent from the financial institution server. billing information acquisition means to acquire;
matching means for matching the billing information acquired by the billing information acquisition means with the delivery information stored in the storage means;
Prepare.

In order to achieve the above object, a payment information generation method according to a third aspect of the present invention includes:
a step in which the delivery information acquiring means acquires delivery information transmitted from the communication terminal of the seller and is information relating to the product to be delivered by the seller to the buyer and the price thereof;
A step in which the status flag addition means adds a status flag indicating that the buyer has not received the goods to the delivery information acquired by the delivery information acquisition means, and stores the delivery information with the added status flag in the storage means. and,
a step in which the transmission means transmits the delivery information acquired by the delivery information acquisition means to the communication terminal of the buyer;
The receipt status determination means acquires receipt confirmation information transmitted from the buyer's communication terminal that received the delivery information transmitted from the transmission means, and is information to the effect that the receipt of the goods shipped from the seller to the buyer is confirmed. a step of determining whether
When the reception status determining means determines that the receipt confirmation information has been acquired, the flag updating means updates the status flag included in the delivery information stored in the storage means corresponding to the acquired receipt confirmation information. changing from received to received;
A payment information generating means extracts from the storage means the delivery information whose status flag is updated by the flag updating means each time the latest payment period ends, and calculates the amount of goods received by each buyer in the latest payment period. a step of generating payment information, which is information about the accumulated value;
the sending means sending the generated payment information to a financial institution server;
The billing information obtained by the billing information acquisition means is information relating to the amount billed by the financial institution to the buyer as the payment for the goods and the product payment collection fee demanded by the financial institution as consideration for the collection of the goods price on behalf of the buyer. from the financial institution server;
a step in which a matching means performs matching between the acquired billing information and the delivery information stored in the storage means;
including.

In order to achieve the above object, a payment information generation method according to a fourth aspect of the present invention includes:
a step in which the delivery information acquiring means acquires the delivery information transmitted from the communication terminal of the buyer, which is information relating to the product delivered by the seller to the buyer and the price thereof, and stores the acquired delivery information in the storage means;
The payment information generation means extracts the delivery information acquired by the delivery information acquisition means from the storage means each time the latest payment period ends, and the cumulative value of the received amount of the goods for each buyer in the latest payment period. generating payment information that is information about
a sending means sending the generated payment information to a financial institution server;
The billing information obtained by the billing information acquisition means is information relating to the amount billed by the financial institution to the buyer as the payment for the goods and the product payment collection fee demanded by the financial institution as consideration for the collection of the goods price on behalf of the buyer. from the financial institution server;
a step in which a matching means performs matching between the acquired billing information and the delivery information stored in the storage means;
including.

In order to achieve the above object, a program according to the fifth aspect of the present invention,
the computer,
delivery information acquisition means for acquiring delivery information transmitted from the communication terminal of the seller, which is information on the product and the price that the seller delivers to the buyer;
status flag addition means for adding a status flag indicating that the buyer has not received the goods to the delivery information acquired by the delivery information acquisition means, and for storing the delivery information with the added status flag in a storage means;
Transmission means for transmitting the delivery information acquired by the delivery information acquisition means to the communication terminal of the buyer;
Receipt for determining whether or not receipt confirmation information, which is information to the effect that the receipt of the goods shipped from the seller to the buyer is confirmed and which is transmitted from the buyer's communication terminal that has received the delivery information transmitted from the transmission means, has been acquired. state determination means,
When the receipt status determining means determines that the receipt confirmation information has been acquired, the status flag included in the delivery information stored in the storage means corresponding to the acquired receipt confirmation information is changed from unreceived to received. changing flag update means;
Each time the latest settlement period ends, the delivery information whose status flag is updated by the flag update means is extracted from the storage means, and is information on the cumulative value of the received amount of goods for each buyer in the latest settlement period. payment information generating means for generating payment information;
A program for functioning as
the transmitting means transmits the payment information generated by the payment information generating means to a financial institution server;
the computer,
Billing information, which is information relating to an amount billed by a financial institution to a buyer as payment for a product and a product payment collection fee for which the financial institution requests payment as consideration for collecting the product price on behalf of the financial institution, is sent from the financial institution server. billing information acquisition means to be acquired;
matching means for matching the billing information acquired by the billing information acquisition means with the delivery information stored in the storage means;
function as

In order to achieve the above object, a program according to the sixth aspect of the present invention,
the computer,
Delivery information acquisition means for acquiring delivery information transmitted from the communication terminal of the buyer, which is information relating to the product delivered by the seller to the buyer and its price, and storing the acquired delivery information in a storage means;
Each time the latest payment period ends, the delivery information acquired by the delivery information acquisition means is extracted from the storage means, and payment information is information relating to the cumulative value of the received amount of goods for each buyer in the latest payment period. payment information generating means for generating
a transmitting means for transmitting the payment information generated by the payment information generating means to a financial institution server;
Billing information, which is information relating to an amount billed by a financial institution to a buyer as payment for a product and a product payment collection fee for which the financial institution requests payment as consideration for collecting the product price on behalf of the financial institution, is sent from the financial institution server. billing information acquisition means to be acquired;
matching means for matching the billing information acquired by the billing information acquisition means with the delivery information stored in the storage means;
function as

According to the present invention, it is possible to provide a collective settlement management server, a settlement information generation method, and a program that can promote use of a settlement system by buyers and sellers.

BRIEF DESCRIPTION OF THE DRAWINGS It is a figure which shows the structure of the settlement system which concerns on Embodiment 1 of this invention. FIG. 2 is a block diagram showing the hardware configuration of the collective settlement management server according to Embodiment 1 of the present invention; It is a figure which shows an example of the data table of the seller information database based on Embodiment 1 of this invention. It is a figure which shows an example of the data table of the buyer information database which concerns on Embodiment 1 of this invention. It is a figure which shows an example of the data table of the delivery information database based on Embodiment 1 of this invention. It is a figure which shows an example of the data table of the payment information database which concerns on Embodiment 1 of this invention. It is a figure which shows an example of the data table of the billing information database based on Embodiment 1 of this invention. It is a figure which shows an example of the receipt list screen which concerns on Embodiment 1 of this invention. 4 is a flow chart showing the flow of reception status update processing according to Embodiment 1 of the present invention. 4 is a flow chart showing the flow of payment information generation processing according to Embodiment 1 of the present invention. 4 is a flow chart showing the flow of billing information generation processing according to Embodiment 1 of the present invention. 4 is a flow chart showing the flow of product price payment processing according to Embodiment 1 of the present invention. (a) is a diagram showing an example of a receipt list screen in a modified example, and (b) is a diagram showing an example of a receipt confirmation screen in a modified example.

Hereinafter, a collective payment management server, a payment information generation method, and a program according to an embodiment of the present invention will be described with reference to the drawings. In each drawing, the same reference numerals are given to the same or equivalent parts. The following description assumes that the seller has already received an order for the product from the buyer.

In the embodiment, the "buyer" is, for example, a user such as a company or a store that purchases the product, and the "seller" is, for example, a vendor such as a manufacturer, producer, or wholesaler that provides the product to the buyer. . Buyers and sellers are sometimes collectively referred to as "users". A "system administrator" is a person who manages the collective settlement management server 200, which will be described later. Further, in the embodiment, the "delivery amount" is the price of the product delivered by the seller to the buyer, and the "receipt amount" is the price of the product purchased by the buyer from the seller.

The payment system 1 accumulates information (delivery information) about the products delivered by the seller to the buyer and their prices (delivery information), and based on the accumulated delivery information, receives the products received by each buyer within the latest payment period. Calculate information (settlement information) on the cumulative amount. The system administrator or the financial institution entrusted by it can pay the product price to each seller on behalf of the buyer based on the settlement information, and can also invoice each buyer for the product price on behalf of the seller. Simplify your work.

(Embodiment 1)
FIG. 1 is a diagram showing the configuration of a settlement system 1 according to Embodiment 1. As shown in FIG. The settlement system 1 includes a communication terminal 100 , a collective settlement management server 200 and a financial institution server 300 . The communication terminal 100, the collective settlement management server 200, and the financial institution server 300 are connected so as to be able to communicate with each other via a communication network such as the Internet.

The communication terminal 100 is, for example, a smartphone, a tablet terminal, a personal computer, or the like, and includes a buyer's communication terminal 100B owned by a buyer and a seller's communication terminal 100S owned by a seller. The collective settlement management server 200 and the financial institution server 300 are, for example, general-purpose computers.

An outline of collective settlement executed using the settlement system 1 will be described. First, when the seller receives an order for the product from the buyer, the seller operates the communication terminal 100S of the seller to input the delivery information related to the product to be delivered to the buyer and transmit it to the collective payment management server 200, thereby registering the delivery. do. After that, the seller ships the ordered product to the buyer. When the collective settlement management server 200 receives the delivery information, it stores the delivery information and transfers it to the buyer's communication terminal 100B.

When the buyer's communication terminal 100B receives the delivery information, it displays the delivery information on the display. When the buyer determines that there is no problem with the product shipped from the seller, the buyer operates the buyer's communication terminal 100B to transmit information indicating that the product has been received (receipt confirmation information) to the collective settlement management server 200. Let Upon receiving the receipt confirmation information, the collective settlement management server 200 updates the status flag included in the delivery information corresponding to the received receipt confirmation information from "not received" to "received".

The collective payment management server 200 creates payment information by extracting the delivery information whose status flag has been updated to "received" each time the latest payment period ends. When the financial institution server 300 receives the payment information, the financial institution server 300, based on the payment information, requests the buyer to pay for the product, and the product payment collection fee for which the financial institution requests payment as consideration for collecting the product price. and information (billing information) for each buyer. The financial institution requests the payment of the billing amount and the product payment collection fee for each buyer based on the calculated billing information. In addition, the system administrator refers to the billing information acquired from the financial institution server 300 and pays each seller for the product by bank transfer or the like. The outline of the batch settlement executed using the settlement system 1 has been described above.

FIG. 2 is a block diagram showing the hardware configuration of the collective settlement management server 200. As shown in FIG. The collective settlement management server 200 includes a communication section 210 , a storage section 220 , a control section 230 , an operation section 240 and a display section 250 . Each unit is interconnected by an internal bus.

The communication unit 210 is an interface that can be connected to a communication network such as the Internet. The communication unit 210 communicates with the communication terminal 100, the financial institution server 300, other terminals, servers, memories, etc. via a communication network.

The storage unit 220 includes memory devices such as RAM (Random Access Memory), ROM (Read Only Memory), flash memory, and hard disk, and stores programs executed by the control unit 230 and various data. Storage unit 220 also functions as a work memory for control unit 230 to execute processing. Furthermore, the storage unit 220 includes a seller information database 221 , a buyer information database 222 , a delivery information database 223 , a payment information database 224 and a billing information database 225 .

FIG. 3 shows an example of the data table of the seller information database 221. As shown in FIG. The seller information database 221 stores information (seller information) on sellers registered as users. The seller information includes, for example, seller identification information (user ID (Identification)), password, name, address, commission rate, account number, email address, telephone number, and other information.

User registration is carried out by, for example, the seller providing personal information such as name and address to the consolidated payment management server 200 and being assigned a user ID and password by the consolidated payment management server 200 . The commission rate is set by the system administrator for each seller, and is used to calculate the system usage fee charged to the seller by the system administrator as consideration for using the settlement system 1 . Specifically, the system usage fee is calculated by multiplying the total amount of products delivered by the seller to each buyer by the fee rate.

FIG. 4 shows an example of the data table of the buyer information database 222. As shown in FIG. The buyer information database 222 stores information (buyer information) on buyers who have completed user registration. Buyer information contains information equivalent to seller information, but does not contain information about account numbers. The user registration method and the fee calculation method are the same as those of the seller information database 221 .

FIG. 5 shows an example of the data table of the delivery information database 223. As shown in FIG. The delivery information database 223 stores delivery information related to products delivered by sellers to buyers. The delivery information is created by the seller for each slip, and includes, for example, delivery date, slip number, slip date, buyer (delivery destination), product name, quantity, unit, and the like. The unit is, for example, book, piece, pack, gram, or the like. In the case of "carrot" in FIG. 5, since the number is "20" and the unit is "book", the number of "carrots" to be delivered to the buyer is "20".

The delivery information includes a status flag indicating whether the item has been "received" or "not received" by the buyer. When the delivery information is registered in the delivery information database 223, the status flag is set to "not received". When receipt confirmation information is received from the buyer's communication terminal 100B, the collective settlement management server 200 updates the status flag of the delivery information corresponding to the received receipt confirmation information from "unreceived" to "received".

FIG. 6 shows an example of a data table of the payment information database 224. As shown in FIG. The payment information database 224 is created based on the delivery information in which the status flag of the delivery information database 223 has been updated to "received", and contains information on the cumulative amount of received goods received by each buyer during the latest payment period. (Payment information) is stored. The payment information includes, for example, information on the payment period, the buyer, and the cumulative value of the product price.

FIG. 7 shows an example of the data table of the billing information database 225. As shown in FIG. The billing information database 225 is created by a financial institution and stores billing information relating to amounts billed to buyers by the financial institution. The billing information includes, for example, information on settlement period, buyer, billing amount, and product payment collection fee. The billing amount is the amount billed to the buyer as the product price within the credit limit set by the financial institution for each buyer. The product payment collection fee is a fee charged by the financial institution as compensation for collecting the product price on behalf of the seller.

Returning to FIG. 2 , the control unit 230 includes, for example, a CPU (Central Processing Unit), etc., and controls each unit of the collective payment management server 200 . By executing the programs stored in the storage unit 220, the control unit 230 executes the reception status update process in FIG. 9, the payment information generation process in FIG. 10, and the product price payment process in FIG.

The control unit 230 functionally includes a delivery information acquisition unit 231, a status flag addition unit 232, a receipt list screen creation unit 233, a receipt status determination unit 234, a flag update unit 235, and a payment information generation unit 236. and a billing information acquisition unit 237 .

The delivery information acquisition unit 231 acquires delivery information transmitted from the communication terminal 100S of the seller.

The status flag addition unit 232 adds a status flag indicating that the buyer has not received the product to the delivery information acquired by the delivery information acquisition unit 231, and adds the delivery information with the added status flag to the delivery information database. 223.

Based on the delivery information acquired by the delivery information acquisition section 231, the receipt list screen creating section 233 creates a receipt list screen to be transmitted to each buyer's communication terminal 100B. The Receipts List screen contains shipment information regarding the items to be shipped to each buyer.

FIG. 8 shows an example of a receipt list screen. The receipt list screen is classified by slip, and information corresponding to each slip is posted. The receipt list screen includes, for example, delivery date, slip number, slip date, delivery destination, total amount, total amount including tax, and details of deliverables (delivery details). The delivery details include information on product name, unit price, quantity, unit, consumption tax rate, total amount for each product, and tax-inclusive amount for each product.

The receipt list screen in FIG. 8 includes a "receipt" button for collectively receiving the delivered items, and a "cancel" button for canceling the delivered items. When the buyer selects the "Cancel" button on the receipt list screen, the buyer's communication terminal 100B transmits cancellation information to the collective settlement management server 200 indicating that the delivered product is canceled due to defects in the product. . Defective merchandise may be destroyed by the Buyer or recalled by the Seller. On the other hand, when the "receipt" button on the receipt list screen is selected, the buyer's communication terminal 100B transmits receipt confirmation information indicating that all the delivered items have been received.

Returning to FIG. 2 again, the receipt status determination unit 234 generates receipt confirmation information indicating that the delivered item has been received from the buyer's communication terminal 100B to which the receipt list screen created by the receipt list screen creation unit 233 has been sent. or cancellation information indicating that the delivered product has been canceled.

When the receipt status determination unit 234 determines that the receipt confirmation information has been acquired, the flag update unit 235 updates the status flag of the corresponding delivery information in the delivery information database 223 from “not received” to “received”. do.

The payment information generating unit 236 sums the amount received within the latest payment period for each buyer from the delivery information whose status flag has been updated from “not received” to “received” by the flag updating unit 235, and generates payment information. is generated and stored in the payment information database 224.

The billing information acquisition unit 237 acquires billing information transmitted from the financial institution server 300 based on the payment information generated by the payment information generating unit 236 and stores the billing information in the billing information database 225 .

The operation unit 240 receives a user's instruction and supplies an operation signal corresponding to the received operation to the control unit 230 . The operating unit 240 has, for example, a keyboard and a mouse.

The display unit 250 displays various images for the system administrator based on image data supplied from the control unit 230 . The display unit 250 includes, for example, a liquid crystal panel. The components of the collective payment management server 200 have been described above.

Next, a series of operations of the payment system 1 will be described. Below, it is assumed that the seller has already received an order for the product from the buyer. When the seller receives an order for the product from the buyer, the seller operates the operation unit of the communication terminal 100S of the seller to create delivery information based on the order from the buyer and instruct transmission to the collective settlement management server 200. - 特許庁The seller ships the product to the buyer based on the delivery information registered in the collective settlement management server 200. - 特許庁

(Receipt status update process)
Next, with reference to the flowchart of FIG. 9, the receipt status update process executed when the collective settlement management server 200 receives delivery information from the communication terminal 100S of the seller will be described. Receipt status update processing is processing for updating the status flag stored in the delivery information database 223 and included in the delivery information corresponding to the receipt when the buyer has received the product shipped from the seller.

First, the delivery information acquisition unit 231 of the collective settlement management server 200 acquires the delivery information transmitted from the communication terminal 100S of the seller (step S11).

Next, the status flag addition unit 232 adds a status flag indicating that the buyer has not received the product to the delivery information acquired by the delivery information acquisition unit 231 (step S12). The delivery information is stored in the delivery information database 223 (step S13).

Next, the receipt list screen creation unit 233 creates a receipt list screen based on the delivery information acquired by the delivery information acquisition unit 231 (step S14), and transmits the data related to the receipt list screen created in step S14 to the buyer. The terminal 100B is made to transmit (step S15). The receipt list screen creating unit 233, for example, refers to the buyer information database 221 to identify the buyer's e-mail address, and transmits the receipt list screen data to the buyer's communication terminal 100B.

When receiving the receipt list screen data from the collective settlement management server 200, the buyer's communication terminal 100B displays the receipt list screen on the display. While referring to the receipt list screen, the buyer confirms the products shipped from the seller, confirms that the arrived products match the delivery information on the receipt list screen, and confirms that there are no defective products. By operating the operation unit of the communication terminal 100</b>B and tapping the “receipt” button, the receipt confirmation information is transmitted to the collective payment management server 200 . On the other hand, as a result of checking the shipped product, if there is a defect in the product shipped from the seller, the buyer operates the operation unit of the buyer's communication terminal 100B and taps the "cancel" button to cancel. send information.

After executing the process of step S15, the receipt status determination unit 234 determines whether or not the receipt confirmation information has been acquired from the buyer's communication terminal 100B within a predetermined time after the process of step S15 (step S16). If receipt confirmation information has been acquired from the buyer's communication terminal 100B (step S16; Yes), the flag updating unit 235 updates the status of the delivery information stored in the delivery information database 223 and corresponding to the receipt confirmation information acquired in step S16. The flag is updated from "unreceived" to "received" (step S17). The acquired acknowledgment information may be discarded after updating the status flag. On the other hand, if the receipt confirmation information has not been acquired from the buyer's communication terminal 100B (step S16; No), the receipt status determination unit 234 receives the cancellation information from the buyer's communication terminal 100B within a predetermined time after the process of step S15. It is determined whether or not it has been acquired (step S18).

When the cancellation information is acquired from the buyer's communication terminal 100B (step S18; Yes), the control unit 230 transmits information to the seller's communication terminal 100S requesting that the delivery information be registered again (delivery re-registration). (step S19), and the process returns to step S11. The seller operates the operation unit of the seller's communication terminal 100S to recreate the delivery information based on the order from the buyer in the same manner as when the purchase order for the product is first received from the buyer, and the collective settlement management server 200. send to On the other hand, if the cancellation information has not been acquired from the buyer's communication terminal 100B (step S18; No), the control section 230 returns the process to step S16. The above is the flow of the reception status update process.

(Payment information generation processing)
Next, the flow of payment information generation processing executed by the collective payment management server 200 will be described with reference to the flowchart of FIG. The payment information generation process is started at a predetermined timing set by the system administrator after the latest payment period has passed, and the payment information indicating the cumulative amount of goods received by each buyer during the latest payment period is generated. This is the process to generate.

First, from the delivery information database 223, the payment information generation unit 236 extracts, at a predetermined timing, delivery information whose status flag has been updated to "received" within the latest payment period (step S21).

Next, the payment information generator 236, based on the delivery information extracted in step S21,
Settlement information indicating the cumulative amount of goods received by each buyer during the latest settlement period is generated and stored in the settlement information database 224 (step S22).

Next, the payment information generator 236 causes the financial institution server 300 to transmit the payment information generated in step S22 (step S23), and ends the process. The above is the flow of the payment information generation process.

(Billing information generation processing)
Next, the billing information generating process executed by the financial institution server 300 to which the settlement information is transmitted from the collective settlement management server 200 will be described with reference to the flowchart of FIG.

First, when the control unit of the financial institution server 300 acquires settlement information from the collective settlement management server 200 (step S31), based on the acquired settlement information, a Billing information including the information is generated and stored in the storage unit (step S32). The amount billed matches the cumulative amount received by the buyer if it is within the credit limit. If the cumulative amount received by the buyer exceeds the credit limit, the amount over the credit limit will be billed by the system administrator for the difference between the delivery amount and the credit limit. match the forehead.

Based on the calculated billing information, the financial institution bills each buyer for payment by a predetermined method. The buyer, who has been billed for payment by the financial institution, operates the communication terminal 100S of the seller, refers to the receipt list screen created by the collective payment management server 200, etc., and collects the amount billed by the financial institution and the product payment. It is necessary to confirm that there are no errors in fees, etc.

Next, the control unit of the financial institution server 300 causes the generated billing information to be transmitted to the collective settlement management server 200 (step S33). The flow of billing information generation processing executed by the financial institution server 300 has been described above.

(Product price payment processing)
Next, with reference to the flowchart of FIG. 12, the product price payment processing executed by the collective settlement management server 200 to which the billing information has been transmitted from the financial institution server 300 is executed.

After acquiring the billing information from the financial institution server 300, the billing information acquisition unit 237 stores the billing information in the billing information database 225 (step S41). Next, the control unit 230 of the collective settlement management server 200 matches the billing information from the financial institution server 300 with the delivery information stored in the delivery information database 223 (step S42). If there is no problem in the matching result, the control unit 230 of the collective settlement management server 200 creates a Zengin format for transferring the product price to be paid to each seller (step S43), and uses the created Zengin format. A bank transfer to each seller is executed (step S44). The Zengin format includes information on the system usage fee calculated based on the fee rate stored in the seller information database 221 in addition to the information on the delivery amount of the seller.

The seller whose product price has been transferred to the bank account by the system administrator operates the seller's communication terminal 100S, refers to the receipt list screen created by the collective settlement management server 200, and checks the amount transferred to the bank account. It should be checked against. The flow of the product price payment process executed by the collective payment management server 200 has been described above.

The collective settlement management server 200 according to the first embodiment extracts from the storage means the delivery information whose status flag is updated by the flag updating unit 235 each time the latest settlement period ends, and extracts the delivery information for each buyer in the latest settlement period. and a payment information generation unit 236 that generates payment information, which is information about the accumulated amount of received products. Therefore, the system administrator can pay the seller for the product without waiting for the payment for the product by the buyer, and as a result, the seller's cash flow can be improved. In addition, since the buyer can unify the payment destination of the product price to the financial institution, it is possible to simplify the settlement work.

(Embodiment 2)
The collective payment management server 200, payment information generation method, and program according to the second embodiment will be described. In the first embodiment, the collective settlement management server 200 executes the reception status update process. When the information is entered and transmitted to the collective settlement management server 200, the product corresponding to the delivery information is considered to be "received". The following description focuses on the differences from the first embodiment.

First, referring to FIG. 2, the hardware configuration of the collective settlement management server 200 according to the second embodiment will be described.

Storage unit 220 includes seller information database 221, buyer information database 222, delivery information database 223, settlement information database 224, and billing information database 225, as in the first embodiment.

The delivery information database 223 is the same as the delivery information database 223 according to the first embodiment, except that it does not include information about the status flag. The delivery information database 223 stores the delivery information transmitted from the communication terminal 100B of the buyer.

The control unit 230 functionally includes a delivery information acquisition unit 231 , a payment information generation unit 236 , and a billing information acquisition unit 237 .

A delivery information acquisition part 231 acquires delivery information transmitted from a buyer's communication terminal 100B, which is information relating to a product delivered by a seller to a buyer and a price, and stores the acquired delivery information in a delivery information database 223. - 特許庁

The payment information generation unit 236 extracts the delivery information acquired by the delivery information acquisition unit 231 from the delivery information database 223 each time the latest payment period ends, and calculates the amount of received goods for each buyer in the latest payment period. Generate payment information, which is information about cumulative values.

(Payment information generation processing)
The flow of payment information generation processing executed by the collective payment management server 200 according to the second embodiment will be described below with reference to the flowchart of FIG. It is assumed that the delivery information transmitted from the buyer's communication terminal 100B has already been stored in the delivery information database 223. FIG.

First, the payment information generator 236 extracts the delivery information received from the communication terminal 100B of the buyer during the latest payment period from the delivery information database 223 at a predetermined timing (step S21).

Next, the payment information generation unit 236 executes the processes of steps S22 and S23, and terminates the process. The above is the flow of the payment information generation process according to the second embodiment. After completion of the settlement information generation processing by the collective settlement management server 200, the financial institution server 300 executes the billing information generation processing of FIG. 11, and then the collective settlement management server 200 executes the commodity price payment processing of FIG. .

The collective payment management server 200 according to Embodiment 2 can generate payment information for financial institutions simply by sending delivery information created by the buyer to the administrator, so that the seller does not need to register the delivery information. Labor of the seller can be reduced. In addition, since the payment system 1 is simplified, it can be used in combination with other order receiving systems and distribution centers.

The present invention is not limited to this, and modifications described below are also possible.

(Modification)
In the above embodiment, the delivery information is transmitted from the communication terminal 100B of the buyer to the collective settlement management server 200, and the delivery information is transmitted from the collective settlement management server 200 to the communication terminal 100S of the seller. Not limited. For example, delivery information may be transmitted from the buyer's communication terminal 100B to the seller's communication terminal 100S and the collective settlement management server 200. FIG.

In the above embodiment, user registration is performed by transmitting personal information to the collective settlement management server 200, but the present invention is not limited to this. For example, a financial institution may conduct an examination to determine whether or not user registration is permitted, and if the financial institution permits user registration, a transaction limit may be set for each user and user registration may be executed. .

The buyer sends information on the seller with whom the buyer wishes to trade (minimum necessary information such as business partner name, telephone number, e-mail address, etc.) to the collective settlement management server 200, and the collective settlement management server 200 prompts the seller to register as a user. It may be configured to send an email. If you allow vendor registration, you may send information to the buyer that the vendor is available.

In the above embodiment, the buyer was able to select "cancel" or "accept" the delivery item, but the present invention is not limited to this. For example, as shown in FIG. 13(a), the receipt list screen may include an "individual receipt" button that can be selected when individually selecting whether or not to receive each delivered item. By selecting the "individual receipt" button, the receipt confirmation screen shown in FIG. 13(b) can be read.

FIG. 13(b) shows an example of a receipt confirmation screen. The receipt confirmation screen has check boxes for individually selecting whether or not to receive each delivered item. The buyer can individually select and receive the products by checking the check boxes corresponding to the products for which the delivery is to be received and selecting the "Receive" button.

If there is a defect in a part of the product and the buyer wants to cancel part of the product, the buyer operates the buyer's communication terminal 100B to operate the cancellation information corresponding to the canceled product and the receipt corresponding to the received product. confirmation information, and so on, to the collective settlement management server 200 . When the communication terminal 100S of the seller receives the cancellation information and the receipt confirmation information from the collective payment management server 200, the seller recognizes that there is a defect in some of the products, and resubmits the delivery information regarding the defective product. All you have to do is register and deliver the goods to the buyer.

In addition, if the buyer notices that there is a problem with the shipped product after sending the receipt confirmation information, the buyer operates the operation unit of the buyer's communication terminal 100B to request the issuance of a red slip ( red slip issue request information) to the collective settlement management server 200. When the communication terminal 100S of the seller receives the red slip issue request information from the collective payment management server 200, the seller issues the red slip, re-registers the delivery information regarding the defective product, and delivers the product to the buyer. should be delivered to

In the above-described embodiment, when receipt confirmation information is received from the communication terminal 100B of the buyer who has received the delivery information, the product transaction is established, but the present invention is not limited to this. For example, a credit limit may be set for each buyer, and the buyer may complete a product transaction within the credit limit.

If the cumulative amount received by the buyer exceeds, for example, 80% of the credit limit, a message may be sent to the effect that the purchase of the product will not be possible if the cumulative amount received exceeds the credit limit. Then, if the cumulative total of the received amounts from the buyer exceeds the credit limit, the control unit 230 of the collective payment management server 200 adds additional funds to the deposit account of the system manager because the cumulative total of the received amounts exceeds the credit limit. to the buyer's communication terminal 100B. When the buyer who received the notification confirms that the additional funds have been transferred to the deposit account of the system administrator, the system administrator can operate the collective settlement management server 200 to temporarily raise the credit limit. .

In the above embodiment, the system administrator transfers the product price to the seller's deposit account, and the financial institution charges the buyer for the product price, but the present invention is not limited to this. For example, the user's credit information (card number, expiration date, etc.) may be registered in the settlement collective management server 200, and the credit card company may be billed for the product. , electronic payment using virtual currency or the like may be executed.

For example, when a credit card is used as a payment method, the collective payment management server 200 inquires of the credit card company's credit computer via the CAFIS (Credit And Finance Information Switching system; registered trademark), etc., whether or not the credit can be granted. may be configured to receive information on whether or not credit is granted. Further, when a debit card is used as a settlement method, the collective settlement management server 200 may be configured to request a debit processing computer of a bank to make a withdrawal and receive information regarding whether or not the withdrawal is possible.

In the above-described embodiment, the financial institution server 300 executes billing information generation processing and the collective settlement management server 200 executes product price payment processing, but the present invention is not limited to this. For example, based on the information sent to the financial institution server 300 , staff members of the financial institution may manually generate billing information, input it to the financial institution server 300 , and send it to the collective settlement management server 200 .

In the above embodiment, the seller provided the product to the buyer, but the present invention is not limited to this. For example, in order for a seller to provide an advertisement to a buyer, information regarding advertisement (advertisement information) may be transmitted from the seller's communication terminal 100S to the collective settlement management server 200 and stored in the storage unit 220 . For example, the collective settlement management server 200 may transmit advertisement information to the buyer's communication terminal 100B when delivery information is received from the seller's communication terminal 100S. In this case, the collective settlement management server 200 may count the number of times advertisements are provided to the buyer's communication terminal 100B, and calculate the advertisement fee charged to the seller according to the counted number.

Although various data are stored in the storage unit 220 in the above embodiment, the present invention is not limited to this. For example, all or part of various data may be stored in an external server, computer, or the like via a communication network.

Also, the data stored in each storage unit may be stored in blocks linked by a block chain constructed within the network. After the generated data is stored in a newly generated block, it is linked to a block chain that links existing blocks in chronological order, and is shared by the communication terminal 100, the collective settlement management server 200, and the financial institution server 300. may be configured to be

Although the Internet is used as a communication network in the above embodiments, the present invention is not limited to this. For example, the communication network may be implemented using a LAN (Local Area Network), a dedicated line, or the like.

In the above embodiment, the collective payment management server 200 operates based on the program stored in the storage unit 220, but the present invention is not limited to this. For example, a functional configuration implemented by a program may be implemented by hardware.

In the above embodiment, the communication terminal 100 is a smartphone, and the collective settlement management server 200 and the financial institution server 300 are general-purpose computers, but the present invention is not limited to this. A computer may be used, and the collective settlement management server 200 and the financial institution server 300 may be realized by a dedicated system.

In the above embodiment, the communication terminal 100, the collective settlement management server 200, and the financial institution server 300 are configured separately, but the present invention is not limited to this. A part or all of the communication terminal 100, the collective settlement management server 200, and the financial institution server 300 may be configured as an integrated device.

Further, the processing executed by the collective settlement management server 200 is realized, for example, by executing a program stored in the storage unit 220 by a device having the physical configuration described above. Alternatively, it may be implemented as a storage medium in which the program is recorded.

In addition, the program for executing the above-described processing operations can be read by a computer such as a flexible disk, CD-ROM (Compact Disk Read-Only Memory), DVD (Digital Versatile Disk), MO (Magneto-Optical Disk), or the like. By storing the program in a recording medium, distributing it, and installing the program in a computer, a device that executes the above-described processing operations may be constructed.

The above embodiments are examples, and the present invention is not limited to these, and various embodiments are possible without departing from the scope of the invention described in the claims. The components described in each embodiment and modifications can be freely combined. In addition, inventions equivalent to the inventions described in the claims are also included in the present invention.

1 Settlement System 100 Communication Terminal 100B Buyer's Communication Terminal 100S Seller's Communication Terminal 200 Collective Settlement Management Server 210 Communication Unit 220 Storage Unit 221 Seller Information Database 222 Buyer Information Database 223 Delivery Information Database 224 Settlement Information Database 225 Billing Information Database 230 Control Unit 231 Delivery information acquisition unit 232 Status flag addition unit 233 Receipt list screen creation unit 234 Receipt status determination unit 235 Flag update unit 236 Payment information generation unit 237 Billing information acquisition unit 240 Operation unit 250 Display unit 300 Financial institution server

Claims (8)

delivery information acquisition means for acquiring delivery information transmitted from the seller's communication terminal and being information on the product and price delivered by the seller to the buyer;
a status flag addition means for adding a status flag indicating that the buyer has not received the goods to the delivery information acquired by the delivery information acquisition means, and storing the delivery information with the added status flag in a storage means;
a transmission means for transmitting the delivery information acquired by the delivery information acquisition means to a buyer's communication terminal;
Receipt for determining whether or not receipt confirmation information, which is information to the effect that the receipt of the goods shipped from the seller to the buyer is confirmed and which is transmitted from the buyer's communication terminal that has received the delivery information transmitted from the transmission means, has been acquired. a state determination means;
When the receipt status determination means determines that the receipt confirmation information has been acquired, the status flag included in the delivery information stored in the storage means corresponding to the acquired receipt confirmation information is changed from unreceived to received. a changing flag update means;
Each time the latest settlement period ends, the delivery information whose status flag is updated by the flag update means is extracted from the storage means, and is information on the cumulative value of the received amount of goods for each buyer in the latest settlement period. payment information generating means for generating payment information;
A collective settlement management server comprising
the transmitting means transmits the payment information generated by the payment information generating means to a financial institution server;
The collective settlement management server
Billing information, which is information relating to an amount billed by a financial institution to a buyer as payment for a product and a product payment collection fee for which the financial institution requests payment as consideration for collecting the product price on behalf of the financial institution, is sent from the financial institution server. billing information acquisition means to acquire;
matching means for matching the billing information acquired by the billing information acquisition means with the delivery information stored in the storage means;
Settlement batch management server. The receipt status determination means receives information transmitted from the buyer's communication terminal that has received the delivery information transmitted from the transmission means, indicating that the receipt of the goods has been canceled due to defects in the goods shipped from the seller to the buyer. Determine whether or not the cancellation information has been acquired,
When the reception status determination means determines that the cancellation information has been acquired, the transmission means transmits information to the communication terminal of the seller requesting the buyer to deliver the product again.
The collective settlement management server according to claim 1. a receipt list screen creation means for creating a receipt list screen showing a list and prices of products shipped from the seller to the buyer based on the delivery information acquired by the delivery information acquisition means;
The transmission means transmits data related to the receipt list screen created by the receipt list screen creation means to the buyer's communication terminal.
The collective settlement management server according to claim 1 or 2. delivery information acquisition means for acquiring delivery information transmitted from a buyer's communication terminal, which is information relating to the product delivered by the seller to the buyer and its price, and for storing the acquired delivery information in a storage means;
Each time the latest payment period ends, the delivery information acquired by the delivery information acquisition means is extracted from the storage means, and payment information is information relating to the cumulative value of the received amount of goods for each buyer in the latest payment period. a payment information generating means for generating
a transmitting means for transmitting the payment information generated by the payment information generating means to a financial institution server;
Billing information, which is information relating to an amount billed by a financial institution to a buyer as payment for a product and a product payment collection fee for which the financial institution requests payment as consideration for collecting the product price on behalf of the financial institution, is sent from the financial institution server. billing information acquisition means to acquire;
matching means for matching the billing information acquired by the billing information acquisition means with the delivery information stored in the storage means;
Settlement batch management server. a step in which the delivery information acquiring means acquires delivery information transmitted from the communication terminal of the seller and is information relating to the product to be delivered by the seller to the buyer and the price thereof;
A step in which the status flag addition means adds a status flag indicating that the buyer has not received the goods to the delivery information acquired by the delivery information acquisition means, and stores the delivery information with the added status flag in the storage means. and,
a step in which the transmission means transmits the delivery information acquired by the delivery information acquisition means to the communication terminal of the buyer;
The receipt status determination means acquires receipt confirmation information transmitted from the buyer's communication terminal that received the delivery information transmitted from the transmission means, and is information to the effect that the receipt of the goods shipped from the seller to the buyer is confirmed. a step of determining whether
When the reception status determining means determines that the receipt confirmation information has been acquired, the flag updating means updates the status flag included in the delivery information stored in the storage means corresponding to the acquired receipt confirmation information. changing from received to received;
A payment information generating means extracts from the storage means the delivery information whose status flag is updated by the flag updating means each time the latest payment period ends, and calculates the amount of goods received by each buyer in the latest payment period. a step of generating payment information, which is information about the accumulated value;
the sending means sending the generated payment information to a financial institution server;
The billing information obtained by the billing information acquisition means is information relating to the amount billed by the financial institution to the buyer as the payment for the goods and the product payment collection fee demanded by the financial institution as consideration for the collection of the goods price on behalf of the buyer. from the financial institution server;
a step in which a matching means performs matching between the acquired billing information and the delivery information stored in the storage means;
Payment information generation method, including a step in which the delivery information acquiring means acquires the delivery information transmitted from the communication terminal of the buyer, which is information relating to the product delivered by the seller to the buyer and the price thereof, and stores the acquired delivery information in the storage means;
The payment information generation means extracts the delivery information acquired by the delivery information acquisition means from the storage means each time the latest payment period ends, and the cumulative value of the received amount of the goods for each buyer in the latest payment period. generating payment information that is information about
a sending means sending the generated payment information to a financial institution server;
The billing information obtained by the billing information acquisition means is information relating to the amount billed by the financial institution to the buyer as the payment for the goods and the product payment collection fee demanded by the financial institution as consideration for the collection of the goods price on behalf of the buyer. from the financial institution server;
a step in which a matching means performs matching between the acquired billing information and the delivery information stored in the storage means;
Payment information generation method, including the computer,
delivery information acquisition means for acquiring delivery information transmitted from the communication terminal of the seller, which is information on the product and the price that the seller delivers to the buyer;
status flag addition means for adding a status flag indicating that the buyer has not received the goods to the delivery information acquired by the delivery information acquisition means, and for storing the delivery information with the added status flag in a storage means;
Transmission means for transmitting the delivery information acquired by the delivery information acquisition means to the communication terminal of the buyer;
Receipt for determining whether or not receipt confirmation information, which is information to the effect that the receipt of the goods shipped from the seller to the buyer is confirmed and which is transmitted from the buyer's communication terminal that has received the delivery information transmitted from the transmission means, has been acquired. state determination means,
When the receipt status determining means determines that the receipt confirmation information has been acquired, the status flag included in the delivery information stored in the storage means corresponding to the acquired receipt confirmation information is changed from unreceived to received. changing flag update means;
Each time the latest settlement period ends, the delivery information whose status flag is updated by the flag update means is extracted from the storage means, and is information on the cumulative value of the received amount of goods for each buyer in the latest settlement period. payment information generating means for generating payment information;
A program for functioning as
the transmitting means transmits the payment information generated by the payment information generating means to a financial institution server;
the computer,
Billing information, which is information relating to an amount billed by a financial institution to a buyer as payment for a product and a product payment collection fee for which the financial institution requests payment as consideration for collecting the product price on behalf of the financial institution, is sent from the financial institution server. billing information acquisition means to be acquired;
matching means for matching the billing information acquired by the billing information acquisition means with the delivery information stored in the storage means;
A program to function as the computer,
Delivery information acquisition means for acquiring delivery information transmitted from the communication terminal of the buyer, which is information relating to the product delivered by the seller to the buyer and its price, and storing the acquired delivery information in a storage means;
Each time the latest payment period ends, the delivery information acquired by the delivery information acquisition means is extracted from the storage means, and payment information is information relating to the cumulative value of the received amount of goods for each buyer in the latest payment period. payment information generating means for generating
a transmitting means for transmitting the payment information generated by the payment information generating means to a financial institution server;
Billing information, which is information relating to an amount billed by a financial institution to a buyer as payment for a product and a product payment collection fee for which the financial institution requests payment as consideration for collecting the product price on behalf of the financial institution, is sent from the financial institution server. billing information acquisition means to be acquired;
matching means for matching the billing information acquired by the billing information acquisition means with the delivery information stored in the storage means;
A program to function as

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