JPH11353372A - Automatic settlement system for electronic money - Google Patents

Abstract

PROBLEM TO BE SOLVED: To attain automatic electronic(E) money settlement corresponding to each payment demand even when there are different payment demands and to prevent occurrence of troubles such as the payment of E money to an unintended person or the execution of unintended payment. SOLUTION: At the time of ordering a commodity, a payment side device 10 generates a payment reservation information, adds a payment reservation number to the payment reservation information and stores these information in a hard disk 11 as a reservation information table 11t. When a payment demand specifying a payment reservation number is outputted from a collection side device 30, the device 10 specifies the payment reservation information stored in the table 11t correspondingly to the payment reservation number, judges whether the specified information coincides with payment demand data outputted from the device 30 or not, and only at the time of coincidence, pays out E money to the device 30.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a system for automatically performing settlement performed through an information communication network such as the Internet, and more particularly to a system using electronic money distributed through the information communication network. And a system for performing settlement.

[0002]

2. Description of the Related Art In recent years, with the rapid spread of the Internet, electronic money has been developed for use in settlement of charges in the Internet society. Here, “electronic money” is an electronic currency that is distributed on the Internet and free of cash. Electronic money is issued by, for example, a financial institution or an electronic communication company, has creditworthiness in accordance with a currency, and is stored in an account of a bank on the Internet (hereinafter referred to as “cyber bank”). In addition, since the data is in a predetermined format, the data can be exchanged, for example, by attaching the data to an electronic mail.

[0003] As the Internet society develops, it is expected that value (money value) exchange using such electronic money is frequently performed. For example, it is expected that payment by electronic money will become mainstream for various services provided on the Internet such as online shopping.

[0004]

By the way, it is assumed that payment for electronic money is made to a service on a network after receiving the service. For example, in the case of online shopping, for example, the product is confirmed after waiting for the arrival of the product, and then the price is paid. In such a case, a bill is sent from the service provider side by e-mail or the like, for example, and it is conceivable that the service user operates the terminal according to the bill and makes payment by electronic money. If the user operates the terminal to make a payment every time is sent by e-mail, labor and time are required. Therefore, it is preferable to automatically perform the settlement based on the bill from the service provider.

[0005] However, performing the payment automatically means that the user does not confirm the payment content at the time of payment. In other words, since payment is made based on a unilateral payment request from the service provider, there is a possibility that inconveniences such as payment to unintended parties or unintentional payment may occur. Get higher.

The present invention has been made in order to solve the above-mentioned problems, and enables automatic settlement by electronic money according to each payment request even when different payment requests are made; and It is an object of the present invention to solve such inconveniences as paying to an unintended partner or paying unintentionally.

[0007]

Means for Solving the Problems and Effects of the Invention The automatic settlement system using electronic money according to the first aspect of the present invention, which has been made to achieve the above-mentioned object, comprises a collecting-side device communicable with an information communication network. A payment-side device, the payment-side device is an electronic money automatic payment system that performs automatic payment by electronic money based on the payment request when there is a payment request from the collection-side device. Payment reservation generating means for generating payment reservation information, which is information relating to the scheduled payment, and a payment reservation number corresponding to the payment reservation information; and the payment reservation information generated by the payment reservation generating means and the payment reservation information. Payment reservation storage means for storing a corresponding payment reservation number, a password for confirming a billing source, and a payment reservation number corresponding to the payment reservation information on the collecting side. And confirmation information transmission means for transmitting to the location,
When payment request data is transmitted from the collection-side device, the billing source determination unit determines whether the password included in the payment request data matches the one transmitted to the collection-side device by the confirmation information transmission unit. When payment request data is transmitted from the collection side device, the payment reservation information stored in the payment reservation information storage means is specified by the payment reservation number included in the payment request data, and the billing content based on the payment request data is determined. The billing content determining means for determining whether or not the billing information matches the specified payment reservation information, and the billing source determining means determine that the billing source is correct, and the billing content determining means determines whether the billing content matches the payment reservation information. Payment means for paying electronic money to the collection-side device when it is determined that the collection-side device has Confirmation information storage means for storing the payment reservation number and the password transmitted by the user, and when making a payment request to the payment side device, the payment request data including the payment reservation number and the password stored in the confirmation information storage means Transmission means for transmitting payment request data.

[0008] The automatic settlement system of the present invention comprises, for example, an information communication network such as the Internet, and a collection-side device and a payment-side device capable of communicating via the information communication network. Here, the collection-side device is a device on the service provider side that provides the service, while the payment-side device is a device on the service user side that receives the service. Therefore, the service user pays the price of the service provided by the service provider to the collection-side device by electronic money by the payment-side device based on the payment request from the collection-side device. The following exchange is performed between the collection-side device and the payment-side device, and electronic money is automatically paid from the payment-side device to the collection-side device.

First, in the payment-side device, the payment reservation information generating means generates payment reservation information, which is information relating to the scheduled payment, and a payment reservation number corresponding to the payment reservation information. The generated payment reservation information and payment reservation number are stored in the payment reservation information storage means. Here, the scheduled payment may be, for example, a payment after the commodity arrives when the commodity is ordered using online shopping. It is conceivable that the payment reservation information generating means generates the payment reservation information from the order data of the product input by the user, for example. Thus, in the payment device,
Information relating to payment that occurs later is generated and stored in advance.

[0010] Then, the confirmation information transmitting means of the payment side device transmits a password for confirming the billing source and a payment reservation number corresponding to the payment reservation information to the collection side device. For example, in the case of online shopping, the password and the payment reservation number are transmitted together with the order data of the product. The password may be, for example, a password entered by a service user via a keyboard or the like, or may be a password automatically generated by the payment device.

On the other hand, in the collection-side device, the payment reservation number and the password transmitted by the confirmation information transmission means of the payment side device are stored in the confirmation information storage means. In addition,
At this stage, if the online shopping as described above is taken as an example, the order data is transmitted together with the payment reservation number and the password, so the service provider sends out the ordered product to the service user.

[0012] Thereafter, the service provider claims the price of the shipped product. At this time, the payment request data transmitting means of the collection side device transmits the password and the payment reservation number stored in the confirmation information storage means. Submit billing data including. In the payment-side device, when payment request data is transmitted from the collection-side device, the billing source determining unit determines whether the password included in the payment request data matches the password previously transmitted to the collection-side device. The billing content determining means specifies the payment reservation information corresponding to the payment reservation number included in the payment request data from the payment reservation information stored in the payment reservation information storage means, It is determined whether or not the billing content based on the payment reservation information matches.

[0013] The payment executing means pays the electronic money to the collection side device when the billing source is determined to be correct and the billing content matches the payment reservation information. When electronic money is prepared in the payment-side device, the payment execution means may directly transmit the electronic money to the collection-side device, or may provide the service provider's electronic money account to cyberbank on the Internet. If there is
It is also conceivable to issue a transfer instruction to the cyber bank account to the cyber bank. Also, if electronic money is not prepared in the payment device and the service user's electronic money account is in Cyberbank on the Internet, electronic money may be withdrawn from the account and sent to the collection device. Alternatively, the transfer may be made from the account to the service provider's account.

As described above, the automatic settlement system of the present invention is characterized in that the concepts of password and payment reservation are adopted. Hereinafter, this point will be described, and the effects exhibited by the present invention will be described. As described above, when the payment is automatically performed based on the payment request from the collection-side device, it means that the service user does not check the payment content at the time of payment. In other words, since payment is made based on a unilateral payment request from the collection-side device, there is a high possibility that inconveniences such as unintended payment or unintended payment will occur. .

Therefore, in the present invention, payment reservation information is generated in the payment-side apparatus at a stage before the payment time, for example, when ordering a product in online shopping, and the payment reservation information is stored in the payment reservation information. Based on the actual payment. In other words, payment reservation information is generated as information on the service user side, and based on this payment reservation information, it is determined whether or not the payment request on the service provider side is correct. They have eliminated payments based solely on billing requests. As a result, if the billing content is different from the payment reservation information, the payment is not performed, so that the payment not intended by the service user is not performed. Further, by providing a common password for the service user and the service provider, it is possible to determine whether or not the billing source is genuine, and it is possible to solve the inconvenience of paying to an unintended party. Further, since the payment reservation information described above is associated with the payment reservation number, even if different payment requests are made from different collection-side devices, payment is made according to the payment reservation number transmitted from each collection-side device. Since reservation information can be specified, automatic payment according to different payment requests can be realized.

In the case of online shopping as described above, the amount to be paid when ordering a product is determined. Therefore, as shown in claim 2, the payment reservation generating means generates payment reservation information including the expected payment amount, and the billing content judging means converts the payment request data transmitted by the payment request data transmitting means. When the included billing amount and the payment amount included in the payment reservation information generated by the payment reservation generating means at least match,
It is conceivable to determine that the billing content matches the payment reservation information. In this case, for example, a payment amount known at the time of ordering the product is generated as a part of the payment reservation information, and when the billing amount at least matches the payment amount included in the payment reservation information, the billing content is changed to the payment reservation information. Is determined, and payment by electronic money is performed. Here, "at least" means
This is because it is conceivable to determine other conditions in addition to matching the billing amount and the payment amount. For example, the payment reservation generating means may generate payment reservation information including the name of the ordered product together with the payment amount, and if the payment request data from the collection-side device includes the product name, the product name It is also conceivable to check for a match. If it is determined that the billing amount is equal to the payment amount in this manner, a payment more than the planned amount will not be made, so that the service user has a high sense of security.

When paying for an item ordered online as described above, the expected amount of payment is known in advance. For example, it is not possible to pay a utility charge or the like using this system. Think. For example, the payment reservation generating means generates a password and a payment reservation number,
By transmitting the password and the payment reservation number once to the collection-side device by the confirmation information transmitting means, the collection-side device notifies the password and the payment reservation number, and charges a monthly water charge. It is. Since such public utilities such as water bills are charged only for the usage, the amount of payment is not known in advance.

Therefore, as set forth in claim 3, the payment reservation generating means generates payment reservation information including the maximum payment amount, and the billing content judging means transmits the payment request data transmitted by the payment request data transmitting means. If the charge amount included in the payment reservation information exceeds the payment upper limit amount included in the payment reservation information generated by the payment reservation generation means, it may be determined that the charge does not match the payment reservation information. Good. For example, in the case of a utility bill, there is a high possibility that it can be estimated how much the payment amount will be. Therefore, a payment upper limit larger than the estimated payment amount is generated as a part of the payment reservation information, and if the charged amount exceeds the payment upper limit amount, it is considered that the request is not a legitimate request. As a result, the electronic money that is equal to or more than the maximum payment amount is not paid, and in this case also, the sense of security of the service user can be improved.

In the case of the above-mentioned utility charges, paying attention to the possibility that an incorrect amount may be charged due to a malfunction of the collecting-side device, setting an upper limit of the payment amount may prevent the wrong amount from being charged. They tried to pay as little as possible. By the way, in consideration of the following situation, the configuration for setting the upper limit of payment is also effective when the configuration of claim 2 is premised. For example, if the Internet society develops and various products can be purchased while staying at home, it is possible that over-purchase will be overtaken, and a situation will occur in which a payment request is made more than expected. Therefore, in addition to the configuration shown in claim 2, if a configuration for setting a payment upper limit amount as shown in claim 3 is adopted, for example, by setting a one-month shopping price as the payment upper limit amount, the charge amount can be reduced. Even if the payment amount matches, if the payment amount exceeds the upper limit, no payment is made. Therefore, for example, in a situation where a plurality of products are ordered, it is possible to prevent excessive shopping which is often performed in online shopping and the like.

With the above arrangement, the payment is not made more than the amount intended in advance. However, regarding the payment timing, the payment is automatically performed at the timing of the payment request from the collection-side device. Would. However, it is also convenient for the service user side. For example, there may be a case where payment to the collection side device is desired to be made after the return period of the product has passed.

Therefore, a configuration according to claim 4 may be adopted. That is, in the configuration, in addition to the configuration shown in claims 1 to 3, the payment reservation generating means generates payment reservation information including the scheduled payment timing, and the payment executing means further includes: It is characterized in that it is determined that the included payment timing has come, and electronic money is paid to the collection-side device. The payment timing may be set, for example, as many days after the payment reservation information is generated, or may be set, for example, once a month. Good. By setting the payment timing in this way, the payment is not automatically made at an unintended timing. As a result, as described above, for example, the electronic money can be paid to the collection-side device after the return period of the product has passed, and since the payment timing is known, the payment-side device cannot be paid before the payment timing. It is sufficient to prepare electronic money in the payment device, and there is no need to always prepare electronic money in the payment-side device, so that the system is more user-friendly.

As described above, it is conceivable to control the timing at which the payment-side device pays out the electronic money, but conversely, the collection-side device may control the timing of the payment request. That is, as set forth in claim 5, the payment request data transmitting means may further be configured to transmit the payment request data to the payment-side device when it is determined that the preset charging timing has come. Also in this case, if the payment request timing from the collection-side device is known, the service user may prepare the electronic money in the payment-side device by the payment timing, and the electronic money is always stored in the payment-side device. This is convenient for service users because there is no need to prepare money.

[0023]

Embodiments of the present invention will be described below with reference to the drawings. [First Embodiment] FIG. 1 is an explanatory diagram showing a configuration of an automatic settlement system according to a first embodiment.

The automatic payment system according to the first embodiment is
An Internet 91 as an "information communication network"; a payment device 10 as a "payment device" connected to the Internet 91 and capable of exchanging information via the Internet 91; and a collection device 30 as a "collection device" It is composed of The payment device 10 and the collection device 30
Mail servers 52 and 5 for providing well-known e-mail services
3 allows information to be exchanged. Hereinafter, the mail server 52 on which the payment side device 10 receives the provision of the e-mail service is described as an A mail server 52, and the collection side device 30
Server 53 to receive e-mail service
Are described as the B mail server 53 to distinguish them. Note that the collection-side device 30 is a server on the service provider side, while the payment-side device 10 is a personal computer on the service user side. The payment side device 10 is an Internet service provider (hereinafter referred to as “ISP”).
It is connected to the Internet 91 via 51.

A cyber bank 54 is connected to the Internet 91. This cyber bank 54
Is a server operated by a financial company, which issues electronic money. This cyber bank 54
By accessing the Internet via the Internet 91, the user can purchase electronic money or convert the electronic money into cash. Further, an electronic money account can be opened in the cyber bank 54. In the first embodiment, an electronic money account 54a of the service user is opened.

Further, a download server 55 is connected to the Internet 91. The download server 55 is operated by the service provider, and stores order form data for ordering a product for sale. The payment-side device 10 includes a hard disk 11 and a calculation unit 12. The hard disk 11 stores electronic money 11b purchased from the cyber bank 20. As described above, the service user account 54a is opened in the cyber bank 54, and the information 11a of the electronic money deposited in the account is also stored. When the payment side device 10 accesses the cyber bank 54,
The latest information of the account 54a is acquired. Therefore, the electronic money information 11a stored in the hard disk 11 is updated every time the cyber bank 54 is accessed. In addition,
The table 11t is stored in the hard disk 11 of the payment device 10 by a process described below. This table 11t will be described later. The calculation unit 12 includes a well-known CPU, ROM, and RAM.
Execute each process described later based on the program stored in the ROM.

On the other hand, the collection side device 30 also includes a hard disk 31 and a calculation unit 32. As in the case of the above-described payment device 10, the calculation unit 32 includes a well-known CPU and RO.
M and RAM, and the CPU executes each process described below based on a program stored in the ROM.

Next, the operation of the automatic settlement system according to the first embodiment will be described. In the following description, online shopping will be taken as an example, and the steps from ordering a product to settlement will be described in order. First, the ordering process performed by the calculation unit 12 of the payment device 10 will be described with reference to the flowchart of FIG.

First, in step S100, order form data is read. In this process, order form data for ordering a product is downloaded from the download server 54 operated by the service provider described above. At S110, order data corresponding to the order form data read at S100 is input. For example, if the order form based on the order form data is
Is displayed on a display (not shown) provided by the service user.
The order data is input via a keyboard (not shown) provided in the “0”. In the first embodiment, it is assumed that, in addition to order information items such as an order product name and a product model number, a payment amount, a password, and a payment timing are prepared as items of the order form. Are sequentially input.

When the order data is input in the processing of S110, in S120, the electronic money settlement program is started. Hereinafter, the processes after S130 are processes based on the electronic money settlement program. In S130, the payment method of electronic money is determined. There are three payment methods: "prepaid", "postpay (manual)" and "postpay (automatic)".
Two methods are prepared and displayed as a selection menu on the display of the payment apparatus 10. Therefore, the service user operates the keyboard of the payment side device 10 and selects a payment method from this selection menu. This process determines which payment method the service user has selected from the selection menu. If it is determined that “advance payment” has been selected, the process proceeds to S140. If it is determined that “postpay (manual)” has been selected, the process proceeds to S150. Furthermore, when it is determined that “postpay (automatic)” is selected and input, the process proceeds to S160.

Shift to S when “advance payment” is selected
At 140, the payment amount input for the ordered product is read from the order data input corresponding to the order form data, and electronic money corresponding to the payment amount is generated. The generation of electronic money is performed by the payment-side device 1 shown in FIG.
Electronic money 11b stored in the hard disk 11
To generate electronic money for payment. The electronic money 11b is a data group of a predetermined format, and can be divided by a predetermined algorithm. For example, if the electronic money stored on the hard disk 11 is, for example, 10,000 yen worth of electronic money, it can be divided into two 5000 yen worth of electronic money by a predetermined algorithm. In subsequent S145, order data is created. Here, order information such as an ordered product name and a product model number is read from the order data, and order data in which electronic money is attached to the order information is created. Thereafter, the process proceeds to S170.

At S150, to which the process proceeds when "postpay (manual)" is selected, a password is read from the order data input corresponding to the order form data. Continue S15
In step 5, order data is created. Here, order information such as an ordered product name and a product model number is read from the order data, and order data including the order information and a password is created. Thereafter, the process proceeds to S170.

In step S160, the process proceeds when “post-payment (automatic)” is selected, the order amount input in accordance with the order form data, the payment amount input in accordance with the ordered product, the password, and the payment timing. Read. Then, a payment reservation number is generated, the electronic money 11b stored in the hard disk 11 of the payment side device 10 is divided to generate electronic money corresponding to the payment amount, and further, from the electronic money 11b stored in the hard disk 11 Calculate the balance after subtracting the payment amount. Then, a reservation information table for managing electronic money is created based on these pieces of information. This reservation information table is a table 11t stored in the hard disk 11 of the payment device 10 shown in FIG. Hereinafter, the table 11t is referred to as a reservation information table 11t. As shown in FIG. 7, the reservation information table 11t stores a payment reservation number, a password, a payment amount, a balance, and a payment timing. FIG. 7 shows a state in which two pieces of payment reservation information are stored, and the password “XYZ”, the payment amount “250”, the balance “9750”, and the payment timing correspond to the payment reservation number “10”. "After May 10". In addition, corresponding to the payment reservation number "20",
Password “VW”, payment amount “800”, balance “89”
50 "and the payment timing" after May 12 ". In other words, this indicates that the electronic money 11b stored in the hard disk 11 was "10000" at first, and the balance "9750" is obtained by the reservation of the payment amount "250". 800 "
Has been reserved, and the remaining balance is “8950”. By the processing of S160, such a reservation information table 11t is created. In subsequent S165, order data is created. Here, order information such as an ordered product name and a product model number is read from the order data, and order data including the order information, a password, and a payment reservation number is created. Thereafter, the process proceeds to S170.

In S170, S145, S155, S1
The order data created in any one of the processes 65 is transmitted as an attached file of an e-mail. That is, the mail address of the collection side device 30 is designated, and the A mail server 5
2 is transmitted. Thereby, the A mail server 52
Sends this e-mail to the B-mail server 53.

Next, an order receiving process executed by the calculation unit 32 of the collection side device 30 in correspondence with the above ordering process will be described with reference to a flowchart of FIG. First, in the first step S200, an e-mail is received from the B-mail server 53. In S210, the received e-mail is expanded and analyzed. In this processing, the e-mail and the file attached to the e-mail are expanded in a predetermined format, and what kind of data is included is analyzed.

Then, in S220, it is determined whether or not the order data is attached to the electronic mail. If it is an e-mail transmitted from the payment side device 10, the above-described FIG.
An affirmative determination is made because the order data created in any one of S145, S155, and S165 is attached. If the order data is not attached to the received e-mail (S220: NO), the order receiving process ends. On the other hand, if the order data is attached to the received e-mail (S220: YES), S2
Move to 30.

In S230, an order receiving process is executed. This process is a process of extracting order information in order data, that is, order product name, product model number, and the like. Order information is generated from the order information extracted by this process, and then the ordered product is shipped to the service user.

In S240, it is determined whether or not the payment is made by electronic money. Payment device 10 of the first embodiment
Is based on the premise of settlement by electronic money, and an affirmative determination is made if the order data is transmitted from the payment-side apparatus 10. Here, when it is determined that the payment is made by electronic money (S240: YES), that is, when the payment data is order data from the payment device 10,
The process moves to S250. On the other hand, when it is determined that the payment is not made by electronic money (S240: NO), that is, when the data is order data from a device other than the payment device 10, the order receiving process is ended.

In S250, it is determined whether electronic money is attached. This processing determines whether or not the order data attached to the e-mail is composed of order information and electronic money. As described above, in the process of S145 in FIG. 2, order data in which electronic money is attached to order information is created. Therefore, when the order data is created in the process of S145 in FIG. 2, an affirmative determination is made here. If the electronic money is attached (S250: YES), the process proceeds to S260. On the other hand, when electronic money is not attached (S
250: NO), and proceeds to S270.

At S260, an electronic money deposit processing program is started. Electronic money deposit processing program,
This is a processing procedure for storing the attached electronic money on the hard disk 31 of the collection-side device 30. Here, processing based on this program is executed, and the attached electronic money is stored in the hard disk 31 of the collection-side device 30. Thereafter, the order receiving process ends. Note that the payment processing based on the electronic money payment processing program is not a characteristic part, and thus detailed description is omitted.

At S270, an electronic money request program is started. The electronic money billing program is a processing procedure for collecting a product price by electronic money. Thereafter, the order receiving process ends. Next, a billing process based on the electronic money billing program started in S270 will be described with reference to the flowchart of FIG. This process is, of course, a process executed by the calculation unit 32 of the collection-side device 30.

First, in step S300, billing information is created. In this process, the order information included in the order data attached to the e-mail from the payment side device 10 is read, and billing information including the billed amount is created.
In S310, it is determined whether it is the billing timing. In this process, when a payment request is made after the shipped product arrives, for example, it is determined that a predetermined time such as 10 days sufficient for the arrival of the product has been reached after the order from the payment side device 10 has been received. Is what you do. Here, if it is determined that it is the billing timing (S310: YES),
The process moves to S320. On the other hand, unless it is determined that it is the billing timing (S310: NO), this determination processing is repeated.

In S320, it is determined whether or not the payment reservation number is included in the order data from the payment side device 10. In this process, it is determined whether the password and the payment reservation number are attached to the order data from the payment apparatus 10 or only the password is attached. If the payment reservation number is attached here (S
320: YES), that is, if the password and the payment reservation number are included in the order data, in S330, payment request data including the billing information, password, and payment reservation number created in S300 is created. On the other hand, when the payment reservation number is not included (S320: NO),
That is, if only the password is included in the order data from the payment-side device 10, in S340, S300
Create billing data including the billing information and password created in.

In S350, the payment request data created in any one of S330 and S340 is transmitted as an attached file of an e-mail. That is, the payment-side device 1
A mail address of “0” is designated, and transmission to the B mail server 53 is performed. As a result, the B mail server 53
This e-mail is transmitted to the mail server 52.

Next, the settlement processing executed by the calculation unit 12 of the payment side device 10 corresponding to the above-described billing processing will be described with reference to the flowchart of FIG. First, in the first step S400, an e-mail is received from the A-mail server 52. In S410, the received e-mail is expanded and analyzed. In this processing, the e-mail and the file attached to the e-mail are expanded in a predetermined format, and what kind of data is included is analyzed.

Then, in S420, it is determined whether or not the payment request data is attached to the electronic mail. In the case of an e-mail transmitted from the collection-side device 30, an affirmative determination is made because the payment request data created in any of the processes of S330 and S340 in FIG. 4 described above is attached. If the payment request data is not attached to the received e-mail (S420: NO), S
At 470, the e-mail is stored as it is, and thereafter, the settlement processing is completed. On the other hand, if the order data is attached to the received e-mail (S420: YES),
Move to 430.

In S430, it is determined whether the payment request data includes a password. Payment request data transmitted from the collection-side device 30 includes S330 and S330 in FIG.
The password is always included because it was created by any of the processes of 340. Here, when the password is not included in the payment request data (S430: N
O) In step S470, the e-mail is stored as it is, and the settlement processing is terminated. On the other hand, if the payment request data includes the password (S430: YES),
Move to 440.

In S440, it is determined whether or not the payment request data includes a payment reservation number. S33 in FIG.
The payment request data created at 0 contains the payment reservation number together with the password. This processing determines whether only the password is included in the payment request data, or whether the payment reservation number is included together with the password. Here, if the payment request number includes the payment reservation number (S440: YES), S450
Move to. On the other hand, when the payment reservation number is not included in the payment request data (S440: NO), in S460,
In order to perform the manual payment of the electronic money, the payment request data is stored as the manual payment data of the electronic money in the hard disk 11 of the payment side device 10, and then the main payment processing is ended. In the manual settlement of electronic money, the service user checks whether or not the billing source is genuine based on the password included in the payment request data, and further, based on the billing information included in the payment request data, for example, After confirming whether or not the billing amount is correct, the payment side device 10 pays the electronic money to the collection side device 30.

In S450, an electronic money automatic payment processing program is started. The electronic money automatic payment processing program is a processing procedure for automatically paying electronic money to the collection-side device 30 based on the payment request data described above. Here, processing based on this program is executed, and electronic money is automatically paid to the collection-side device 30.

Next, the automatic payment processing based on the electronic money automatic payment processing program started in S450 will be described with reference to the flowchart of FIG. First, in a first step S500, a password included in the billing data from the collection-side device 30 is read, and then in S5
At 10, the payment reservation number included in the payment request data is read, and subsequently, at S520, the charge amount is read from the charge information included in the payment request data.

Then, in S525, the corresponding payment reservation information is specified in the reservation information table 11t stored in the hard disk 11 of the payment apparatus 10 based on the payment reservation number read in S510. In the following S530,
It is determined whether the password in the payment reservation information matches the password read in S500. If the passwords do not match (S530: N
O), it is determined that the billing source is not authentic, and the automatic payment processing ends. On the other hand, if the passwords match (S530: YES), it is determined that the billing source is genuine,
Move to S540. In S540, it is determined whether or not the payment amount in the payment reservation information matches the billing amount read in S520. If the billing amounts do not match (S540: NO), it is determined that the billing content is incorrect, and the automatic payment process ends. On the other hand, if the amounts match (S540: YES), it is determined that the billing content is correct, and the flow shifts to S560.

In S560, the electronic money corresponding to the payment amount generated in advance in S160 in FIG. 2 is read. The following S5
At 70, referring to the payment timing in the payment reservation information,
It is determined whether or not the payment timing has come. Here, when it is determined that the payment timing has come (S57)
0: YES), and proceeds to S580. On the other hand, when it is determined that the payment timing has not come (S570: N
O) This determination process is repeated until the payment timing comes.

In S580, the electronic money is transmitted as an attached file of the electronic mail. That is, the mail address of the collection-side device 30 is specified, and the A-mail server 52
Send to. Thereby, the A mail server 52
Sends this e-mail to the B-mail server 53. The collection side device 30 collects the electronic money attached to the electronic mail by receiving the electronic mail from the B-mail server.

Next, the effects exhibited by the automatic settlement system according to the first embodiment will be described. Note that, in order to facilitate understanding of the description, first, a description will be given of a problem in a case where automatic payment is performed using electronic money. When the payment is automatically performed based on the payment request from the collection-side device 30, the service user does not check the payment content at the time of payment. That is, since payment is made based on a unilateral payment request from the collection-side device 30, there is a possibility that inconveniences such as payment to an unintended party or unintended payment may occur. high.

On the other hand, in the automatic settlement system according to the first embodiment, when the automatic settlement by the electronic money is performed by the payment side apparatus 10, that is, when “post-pay (automatic)” is selected by the service user. (S130 in FIG. 2), when ordering the product,
Then, payment reservation information is generated (S160 in FIG. 2), and the reservation information is stored in the hard disk 11 as a reservation information table 11t (see FIG. 7). When there is a payment request from the collection-side device 30, the reservation information table 11
It is determined whether or not the payment reservation information stored in t matches the payment request data from the collection-side device 30, and the electronic money is paid only when they match. As described above, the payment based on only the unilateral payment request data from the collection side device 30 is eliminated.

Specifically, at the time of ordering a product, the payment-side apparatus 10 generates payment reservation information including a payment amount, a password, and a payment timing, and stores it in the reservation information table 11t (S160 in FIG. 2). ), And sends the ordering information including the product name, product type number, etc., the password, and the payment reservation number corresponding to the payment reservation information to the collection-side device 30 (S170 in FIG. 2). In response, the collection-side apparatus 30 generates billing information including a billing amount and the like, and billing data including a password and a payment reservation number (S330 in FIG. 4).
Requesting payment of electronic money by transmitting to 0 (S350 in FIG. 4).

The payment side device 10 reads out the payment reservation number included in the payment request data (S510 in FIG. 6),
The payment reservation information in the reservation information table 11t is specified by the payment reservation number (S525 in FIG. 6). Then, the password read from the payment request data matches the password of the specified payment reservation information (S5 in FIG. 6).
30: YES) Also, when the billing amount read from the billing data matches the billing amount of the payment reservation information (S540: YES in FIG. 6), the electronic money is paid. In other words, it is possible to determine whether the billing source is genuine by determining whether the passwords match,
No more paying to unintended parties.

The payment-side device 10 determines that the payment timing included in the payment reservation information has come (FIG. 6).
(S570), payment of electronic money is executed only at the payment timing. As a result, the payment is not automatically made at an unintended timing. For example, the payment can be made after the return period of the product, which is convenient for the service user. [Second Embodiment] The automatic payment system according to the first embodiment pays for the ordered product by taking online shopping as an example.
For example, it is also conceivable to settle public utilities and the like with electronic money.

Hereinafter, a second embodiment in which a utility bill is settled by electronic money will be described. When the public utility bill is settled by electronic money, it can be realized by performing the registration processing shown in FIG. 8 instead of the order processing shown in FIG. 2, and changing a part of the automatic payment processing shown in FIG. it can. Therefore, in the following description, only the registration processing of FIG. 8 which replaces the order processing shown in FIG. 2 and the changed part of the automatic payment processing shown in FIG. 6 will be described.

In the first embodiment, the expected payment amount is known in advance at the time of ordering the product. However, since the public charges such as water charges are charged only for the used amount, the payment amount is determined in advance. I do not understand. Accordingly, the calculation unit 12 of the payment device 10 first executes the registration process shown in FIG. Note that the flow of the registration process is basically the same as the ordering process described with reference to FIG.

First, in the first step S600, the registered form data is read. In subsequent S610, S600
The registration data corresponding to the registration form data read in is input. When the registration data is input in the process of S610, the registration form program is started in subsequent S620. Hereinafter, the processes after S630 are processes based on the registration format program.

In S630, the method of paying the electronic money is determined. There are three payment methods, "post-pay (manual)", "post-pay (auto)", and "other". This process is based on which payment method the service user has selected from the selection menu. Is to judge. If it is determined that “other” has been selected, the process proceeds to S640. If it is determined that “postpay (manual)” has been selected, the process proceeds to S650. Furthermore, if it is determined that “post-pay (automatic)” is selected and input, S660
Move to.

At S660, to which the process proceeds when “post-pay (automatic)” is selected, the password, the payment timing, and the payment upper limit are read from the registration data. Then, a payment reservation number is generated, and a reservation information table for managing the payment reservation information is created. In this case, the reservation information table stores a password, a payment reservation number, a payment timing, and a maximum payment amount. In subsequent S665, payment registration data is created. Here, the registration information is read, payment registration data including the ordering information, the password and the payment reservation number is created, and in S670, the created payment registration data is transmitted as an attached file of an e-mail. This payment registration data corresponds to the order data in the order processing of FIG. Also in this case, since the password and the payment reservation information are attached to the payment registration data, the collection side device 30 generates payment request data including the password and the payment reservation number, and makes a payment request to the payment side device 10. I do.

In S650, the process proceeds when “post-pay (manual)” is selected, in S650, a password is read from the registration data, and in S655, payment registration data including registration information and a password is created. In S670, this payment registration is performed. Send data. In this case, the collection-side apparatus 30 generates payment request data including a password and makes a payment request.

In step S640, the process proceeds when "others" is selected, a payment method other than electronic money is read from the registration data. For example, payment by a credit card or the like can be considered. In this case, payment request data corresponding to the payment method is generated in S645, and the payment registration data is transmitted in S670.

In the first embodiment, “postpay (automatic)”
Is selected, the payment amount is read from the order data. In the second embodiment, the payment upper limit amount is read from the registration data. The upper limit of payment is a value estimated by the service user as to how much the utility charge is, and is input as registration data in the process of S610.

When the payment request data is transmitted from the collection-side device 30, the payment-side device 10 executes the settlement processing shown in FIG. 5. During this processing, the electronic money automatic payment processing program is started. (S45 in FIG. 5)
0), the automatic payment process shown in FIG. 6 is executed.

Next, changes during the automatic payment processing will be described. As described above, the payment reservation information is generated in S660. However, in the case of a utility bill, the payment amount is not determined because the payment amount is not determined in advance.
Therefore, in the automatic payment process shown in FIG.
, That is, whether or not the billing amount is the same, but instead, it is determined whether or not the billing amount is lower than the maximum payment amount. If the billed amount is less than the above-mentioned maximum payment amount, the electronic money is paid assuming that the bill is valid.

With this configuration, it is possible to execute a utility bill payment process. As described above, the present invention is not limited to such an embodiment at all, and can be implemented in various forms without departing from the gist of the present invention.

For example, in the first embodiment, only the matching of the billed amount is determined in S540 in FIG. 6. For example, the upper limit of the payment is set as follows, and the upper limit of the payment is determined. May be performed. For example, the maximum payment amount is input every month, and the payment amount is subtracted from the maximum payment amount each time electronic money is paid for the ordered product. May exceed the maximum payable amount, a warning may be given to the user, for example. By doing so, it is possible to prevent excessive shopping that is common in online shopping.

In the first and second embodiments, the electronic money 11b stored in the hard disk 11 of the payment side device 10 is divided to generate electronic money for the payment amount, and this electronic money is converted to an electronic mail. It was attached and paid to the collection-side device 30, but as described above, the service user's account 54
The electronic money may be withdrawn from a and paid out to the collection-side device 30. Further, when a service provider account is prepared in the cyber bank connected to the Internet 91, the electronic money may be transferred to the account, or the service provider account 54a may be transferred from the service user account 54a. Electronic money may be transferred to an account.

[Brief description of the drawings]

FIG. 1 is an explanatory diagram illustrating a schematic configuration of an automatic payment system according to a first embodiment.

FIG. 2 is a flowchart illustrating an ordering process executed by a payment device.

FIG. 3 is a flowchart illustrating an order receiving process executed by the collection-side device.

FIG. 4 is a flowchart illustrating a billing process executed during an order receiving process.

FIG. 5 is a flowchart showing a settlement process executed by the payment device.

FIG. 6 is a flowchart showing an automatic payment process executed during the settlement process.

FIG. 7 is an explanatory diagram showing a reservation information table created by a payment device.

FIG. 8 is a flowchart illustrating a registration process performed by a payment device of a second embodiment.

[Explanation of symbols]

DESCRIPTION OF SYMBOLS 10 ... Payment side apparatus 11 ... Hard disk 11a ... Information 11b ... Electronic money 11t ... Reservation information table 12 ... Calculation part 30 ... Collection side apparatus 31 ... Hard disk 32 ... Calculation part 51 ... ISP 52,53 ... Mail server 54 ... Cyber bank 54a … Account 55… Download server 91… Internet

Claims (5)

[Claims] The present invention comprises a collection-side device and a payment-side device communicable via an information communication network, and when a payment request is issued from the collection-side device, the payment-side device electronically operates based on the payment request. An electronic money automatic payment system for performing automatic payment by money, wherein the payment-side device generates payment reservation information that is information relating to scheduled payment and a payment reservation number corresponding to the payment reservation information. Generation means; payment reservation storage means for storing payment reservation information generated by the payment reservation generation means and a payment reservation number corresponding to the payment reservation information; a password for confirming a billing source and said payment Confirmation information transmitting means for transmitting a payment reservation number corresponding to the reservation information to the collection-side device; and when payment request data is transmitted from the collection-side device, the payment request A billing source determining unit that determines whether a password included in the data matches the password transmitted to the collecting side device by the confirmation information transmitting unit, and when payment request data is transmitted from the collecting side device. Specifying the payment reservation information stored in the payment reservation information storage means by the payment reservation number included in the payment request data, and determining whether the billing content based on the payment request data matches the specified payment reservation information. Claim content determining means for determining whether or not the claim source is correct, the claim source determining means determines that the claim source is correct, and the claim content determining means determines that the claim content matches the payment reservation information In such a case, there is provided a payment execution unit for paying electronic money to the collection-side device. Confirmation information storage means for storing the payment reservation number and the password transmitted by the payment apparatus, and a payment including the payment reservation number and the password stored in the confirmation information storage means when making a payment request to the payment side device. An automatic payment system for electronic money, comprising: payment data transmitting means for transmitting billing data. 2. The electronic money automatic settlement system according to claim 1, wherein the payment reservation generation unit generates payment reservation information including a scheduled payment amount, and the billing content determination unit includes at least the payment request. If the amount of payment included in the payment request data transmitted by the data transmission unit matches the amount of payment included in the payment reservation information generated by the payment reservation generation unit, the billing content matches the payment reservation information. An electronic money automatic payment system configured to determine that payment has been made. 3. The electronic money automatic settlement system according to claim 1, wherein the payment reservation generation unit generates payment reservation information including a payment upper limit amount, and wherein the payment content determination unit includes the payment request data. If the amount of the charge included in the payment request data transmitted by the transmission means exceeds the maximum payment amount included in the payment reservation information generated by the payment reservation generation means, the content of the charge is included in the payment reservation information. An electronic money automatic payment system, characterized in that it is configured to determine that payment has not been made. 4. The electronic money automatic settlement system according to claim 1, wherein the payment reservation generation unit generates payment reservation information including a scheduled payment timing, and the payment execution unit includes: Further, when it is determined that the payment timing has come, an electronic money automatic payment system is configured to pay electronic money to the collection-side device. 5. The electronic money automatic settlement system according to claim 1, wherein the payment request data transmitting means determines that a predetermined charging timing has been reached, and sends the payment data to the payment-side device. An electronic money automatic settlement system configured to transmit the billing data.