JP2000057227A - On-line account settlement device - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an on-line account settlement device which enables a user to select an arbitrary account settling method. SOLUTION: A storage means 13 of an account settlement server 10 is stored with membership numbers and password codes and account settlement information including account settlement codes and codes by account settlement kinds as member information. When a user selects an article to be purchased on a user terminal 20 and inputs the membership number and password code, the account settlement server 10 performs authentication according to the inputted membership number and password code and settles the accounts for the article when the authentication result is OK. When pieces of account settlement information are registered at this time and one of them is not selected previously, account settlement information registered on the user terminal 20 is displayed to make the user select account settlement information. The account settlement server 10 settles the accounts according to the selected account settlement information. When nieces of account settlement information are selected, total settlement of accounts based upon the selected pieces of account settlement information is performed.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to an online payment apparatus capable of performing purchase of a product and payment of the product price online via a communication line.

[0002]

2. Description of the Related Art In recent years, it has become possible to purchase products online via a communication line. In such an online purchasing system, a user needs to register in advance a user identification number (member number) and a password (password) and a payment method (payment method) for the purchased product. For example, when paying for a product by account transfer, it is necessary to register the name of a financial institution and an account number, and when paying for the product by credit, it is necessary to register the type of credit and the credit number.

[0003]

In the conventional online purchase system, when registering a payment method for purchasing a product online, only one payment method can be selected. For example, when performing settlement by account transfer, only one bank account can be selected, and when performing settlement by credit, only one credit type credit number can be selected. In some cases, a payment type such as account transfer or credit is specified. As described above, in the payment apparatus in the conventional online purchase system, only one payment method can be selected, which is very inconvenient for the user. The present invention has been made in order to solve such a problem, and it is an object of the present invention to provide a settlement apparatus that allows a user to easily select an arbitrary settlement method from a plurality of settlement methods. Make it an issue.

[0004]

According to a first aspect of the present invention, there is provided a settlement server comprising: a settlement server; and a plurality of terminal devices connected to the settlement server via a communication line. The payment server includes a storage unit that stores a user identification number and a password and a plurality of payment information for each user, and when a payment instruction including the user identification number and the password is input to the terminal device, When the entered user identification number and personal identification number match the user identification number and personal identification number stored in the storage means, the user identification number and the personal identification number are selected in advance from among a plurality of payment information corresponding to the user identification number. This is an online payment device that performs payment based on the payment information. With the online payment device according to the first aspect, the payment server performs payment based on payment information selected in advance by the user from among a plurality of registered payment information. As a result, the user can easily select an arbitrary payment method from the plurality of payment methods as long as the user only registers a plurality of payment methods. The invention according to claim 2 is the online payment device according to claim 1, wherein the payment server performs a combined payment based on a plurality of pieces of payment information selected in advance. With the online payment device described in claim 2, the payment server performs the combined payment based on a plurality of payment information selected in advance by the user from among a plurality of registered payment information. Thereby, the user can easily select an arbitrary payment method from the plurality of payment methods. In addition, since the combined settlement can be performed by a plurality of settlement methods, the user does not need to pay attention to the balance of each settlement method, the settable amount, and the like. The invention according to claim 3 includes a payment server, and a plurality of terminal devices connected to the payment server via a communication line, wherein the payment server includes a user identification number and a password, and a plurality of terminal devices. A storage unit for storing payment information for each user, and when a payment instruction including a user identification number and a password is input to the terminal device, the input user identification number and the password are stored in the storage unit. When the stored user identification number and the password match each other, the payment information corresponding to the user identification number stored in the storage unit is transmitted to the terminal device,
The terminal device is an online payment device that performs payment based on the payment information selected by the terminal device, and selectively outputs the payment information received from the payment server. If the online payment device according to claim 3 is used,
The terminal device outputs the payment information registered by the user in a selectable manner, transmits the selected payment information to the payment server, and the payment server performs the payment based on the selected payment information. This allows the user to select an arbitrary payment method from among a plurality of payment methods each time a payment is made. Also, in the invention according to claim 4, the terminal device outputs the payment information received from the payment server so that one payment information can be selected when an instruction to select one payment information is input. And transmitting one selected payment information to the payment server, and when an instruction to select a plurality of payment information is input, the payment received from the payment server so that a plurality of payment information can be selected. And outputting the selected plurality of pieces of payment information to the payment server. When the payment server receives one piece of payment information from the terminal device, based on the received one piece of payment information, 4. The online payment device according to claim 3, wherein when the plurality of payment information is received from the terminal device, a total payment is performed based on the received plurality of payment information. A. Claim 4
If you use the online payment device described in, the terminal device,
If the user wants to settle with one piece of settlement information, one set of settlement information is output in a selectable manner, and if the user wants a combined settlement based on a plurality of pieces of settlement information, a plurality of pieces of settlement information are selectively output. . This allows the user to have one
It is possible to select whether to perform settlement using one settlement method or to perform combined settlement using a plurality of settlement methods. Claim 5
The terminal device according to any one of claims 1 to 3, wherein the terminal device outputs the payment information received from the payment server in a selectable manner.
If one payment information is selected, the selected 1
One payment information is transmitted to the payment server, and when a plurality of payment information is selected, the selected plurality of payment information is transmitted to the payment server, and the payment server transmits one payment information from the terminal device. When the payment information is received, the payment is performed based on the received one payment information, and when the plurality of payment information is received from the terminal device, the combined payment based on the received plurality of payment information is performed. An online payment device according to claim 3. Claim 5
If you use the online payment device described in, the terminal device,
One or a plurality of payment information is output in a selectable manner, and the selected one or a plurality of payment information is transmitted to the payment server. When the payment server receives the one payment information, the one payment is received. Payment is performed based on the information, and when a plurality of payment information is received, a total payment is performed based on the plurality of payment information. Thereby, the user can select whether to perform the settlement by one settlement method only by the operation of selecting the settlement information or to perform the combined settlement by a plurality of settlement methods. The invention according to claim 6 is the invention according to claim 2, 4 or 5, wherein the payment server performs the combined payment based on the selected plurality of payment information and the payment amount set for each payment information. An online payment device as described in the above. The use of the online payment device according to claim 6 allows the user to select a plurality of payment methods for performing the combined payment and set the payment amount for each payment method, which is convenient for the user. The invention according to claim 7 is the online payment device according to any one of claims 1 to 6, wherein the payment information stored in the storage unit includes a payment type code and a payment code. The use of the online payment device according to claim 7 facilitates the processing of the payment server. Also, in the invention according to claim 8, when the payment information registration instruction is input, the terminal device displays a registration screen of a payment type corresponding to the input payment information registration instruction, and the payment server includes: 8. The online storage according to claim 1, wherein payment information including a payment code input on the registration screen and a payment type code corresponding to the registration screen is stored in the storage unit in association with a user identification number. Payment device. The use of the online payment device according to claim 8 facilitates the processing of the payment server.

[0005]

Embodiments of the present invention will be described below with reference to the drawings. FIG. 1 is a diagram showing an embodiment of the present invention. The online payment device according to the present embodiment
Payment server 10, user terminals (terminal devices) 20, 3,
0, 40, settlement server 10 and user terminals 20, 30,
And a communication line 50 for connecting the communication line 40 with the communication line 40. The settlement server 10 has a processing unit (CPU) 11, an input unit and a display unit 12, and a storage unit 13.
The storage means 13 includes user information (member information) including a user identification number (member number) and a password (password) for each user and payment information indicating a payment method, a product name of a product that can be purchased, and a product. Stored are merchandise information (content information) such as prices, merchandise contents, the number of exchanged balls, and historical information such as purchase histories of each user and sales histories of each merchandise. User terminal 2
0, 30, 40 are processing means (CPU) 21, 31, 4,
1. It has input means, display means and the like 22, 32, 42 and the like. As the user terminals 20, 30, and 40, personal computers and the like of each home can be used, and they can also be installed in convenience stores and game stores.

FIG. 2 shows an example of member information stored in the storage means 13. As shown in FIG. 2, for each user (member), user identification number (member number) and personal identification number (password) and payment information indicating each payment method registered by the user, for example, credit payment information , Account settlement information, telephone settlement information, coin savings settlement information, and the like. As the credit settlement information, for example, a credit number, a password, a credit identification code indicating credit settlement, and the like are stored. As the account settlement information, for example, an account number, a password, an account identification code indicating account settlement, and the like are stored. As the telephone settlement information, for example, a telephone line number, a password, an ID, a telephone identification code indicating telephone charge settlement, and the like are stored. As the ball-settlement settlement information, a hall member number, a password, a ball-settlement identification code indicating a ball-settlement, and the like are stored. The product information can be stored in a server other than the settlement server 10, such as a product server. Here, in this specification, a credit number, an account number, a telephone line number, a hall member number, and the like are referred to as “payment codes”. The credit identification code, the account identification code, the telephone identification code, the coin storage identification code, and the like are for identifying the type of the settlement method, and are referred to as “settlement identification code”. The storage of the password of the payment information may be omitted.

Next, the operation of this embodiment will be described. Since the operations of the user terminals 20, 30, and 40 are the same, the following description will focus on the user terminal 20.
In order to join the online purchase system, for example, “online application” is selected while the “menu selection screen” is displayed on the display means of the user terminal 20. Thereby, the “online membership application screen” shown in FIG. 3 is displayed. On the “online enrollment application screen”, it is also possible to select a payment method (payment method) for the product price and change member information (user information) and the like. In the present embodiment, as a method of paying the commodity price, fund transfer, credit, telephone charge (addition of the commodity price to the telephone charge and billing), and ball exchange (pay the commodity price with the ball of the member of the hall player) are used. be able to. A hall player member is an IC issued at a game store such as a pachinko parlor.
A member who owns a membership card such as a card. The hall player member can use the hall member number and its password stored in the membership card issued at the game store as the user identification number (member number) and the password when applying for online membership. In this case, the hole player member can deposit the merchandise for the ball (the ball obtained by the hall player at the game store can be deposited as a ball. This ball can be exchanged for a prize, and the player can play the game again. You can also withdraw to do.)

[0008] After selecting "application for new member" of fund transfer on the "online application application screen" and selecting "OK", the "fund transfer-new member application screen" shown in FIG. 4 is displayed. . On the "Bank transfer-New member enrollment application screen", necessary items such as a member number (user identification number), a password, a name, and an address are input. The user can arbitrarily input the member number and the password.
To cancel the entered content, select "Cancel",
To return to the “Online application screen”, select “Return to online application screen”. After inputting necessary items, when "registration" is selected, each input information is transmitted from the user terminal 20 to the settlement server 10. Then, when the settlement completion signal is transmitted from the settlement server 10, a “menu selection screen” is displayed on the display means of the user terminal 20.
Is displayed. Then, at a later date, an account transfer notification form in which the name of the financial institution, account number, and the like necessary for the account transfer is entered is mailed to the user. The user fills in the necessary information on the fund transfer notification form and sends it back. The financial institution name, account number, and the like required for the account transfer may be configured to be input from the user terminal 20 together with the member number and the password. At this time, the settlement server 10 stores the settlement information such as the account number and the account identification code in the storage unit 13 in association with the user identification number. The same applies to a new member application, but in the case of a new member, the personal identification number is also stored in the storage means 13 in association with the user identification number. In addition, it is possible to prevent registration of various settlement methods unless the member is given a member number and a password.

[0009] After selecting the "new member application" on the "online application screen", "OK"
Is displayed, a "credit-new member application screen" shown in FIG. 5 is displayed. On the "credit-new member enrollment application screen", necessary items such as a member number, a password, a name, an address, and a credit number of a credit card are input. After inputting necessary items, when "registration" is selected, the input information is transmitted to the settlement server 10. Then, when the payment completion signal is transmitted from the settlement server 10, a “menu selection screen” is displayed on the display means of the user terminal 20. At this time, the payment server 10 stores the payment information such as the credit number and the credit identification code in the storage unit 13 in association with the user identification number.

[0010] When "OK" is selected after selecting "new member application" for telephone charges on the "online application screen", a "telephone payment-new member application screen" shown in FIG. 6 is displayed. You. On the "Telephone fee payment-New member enrollment application screen", necessary items such as a member number, a password, a telephone line number, an ID, and a contractor name are input. After inputting necessary items, when "registration" is selected, the input information is transmitted to the settlement server 10. Then, when the payment completion signal is transmitted from the settlement server 10, a “menu selection screen” is displayed on the display means of the user terminal 20. At this time, the settlement server 10 checks the telephone line number, I
D, settlement information such as a telephone line identification code is stored in the storage means 13 in association with the user identification number.

If the member number or password transmitted from the user terminal 20 is already being used by another member, an instruction to change the member number or password is issued.
The instruction to change the member number or the password may be transmitted from the settlement server 10 to the user terminal 20, or may be mailed to the user at a later date. When transmitting an instruction to change the member number or the password to the user terminal 20, for example, the payment server 10
Transmits a change instruction signal to the user terminal 20 in place of the reception completion signal, blinks the member number and the password displayed on the display means of the user terminal 20, and displays a message. The user changes the blinking member number or password, and selects “registration” again. On the "Online Enrollment Application Screen", "Application for Hall Player Membership"
In the case where is selected, the user can input the hall member number of the member card issued at each game store and the personal identification number as the member number and the personal identification number. When applying for membership of a hole player member, the merchandise price can be paid by saving coins. In addition, in the case of a subscription application of a user who has already used the telephone bill payment method,
Enter the member number and its password used for the method of paying telephone charges. If you are a member of the hall player and have already used the telephone bill payment method and are applying for membership, the member number used for the telephone bill payment method and its password or the hall card number of the member card And its password can be entered.

Further, as the settlement method, one settlement method can be registered, or a plurality of settlement methods can be registered. When registering multiple payment methods,
How to register payment information with different payment type codes, how to register multiple payment codes with the same payment type code,
There is a method of registering them in combination. In the case of registering a plurality of payment methods, additional registration may be performed by using a “new member application screen”, or a screen capable of registering a plurality of payment methods may be prepared. When a plurality of payment methods are registered, as shown in FIG. 2, a member identification number and its password and a plurality of payment information indicating each payment method are stored in the storage unit 13 as member information.

When a plurality of settlement methods are registered, the user needs to determine which settlement method is to be settled by the time of settlement. Further, when performing settlement, there are a method of performing settlement by one settlement method and a method of performing total settlement by a plurality of settlement methods. The combined settlement method is a method of settingtle the price of a product by the sum of the settlement amounts of the settlement methods. In the case of performing settlement by one settlement method, it is necessary to select one settlement method from a plurality of registered settlement methods. As a method of selecting one payment method, a method of selecting one payment method from a plurality of registered payment methods in advance and a method of selecting one payment method from a plurality of payment methods at the time of payment are available. is there. When a method of selecting one payment method in advance is used, for example, one payment method can be selected from a plurality of registered payment methods. When a method of selecting one payment method at the time of payment is used, for example, a plurality of registered payment methods are displayed on the terminal device at the time of payment, and the user selects one payment method from the plurality of payment methods. Configure to be able to. In addition, it is also possible to configure so that the user can select whether to use a method of selecting one payment method in advance or a method of selecting at the time of payment.

In the case of performing the combined settlement by a plurality of settlement methods, it is necessary to select a plurality of settlement methods to be used for settlement from the plurality of settlement methods. As a method of selecting a plurality of payment methods used for payment, a method of selecting a plurality of payment methods to be used for payment from among a plurality of registered payment methods in advance, and a method of selecting a plurality of payment methods to be used for payment from a plurality of payment methods are used. There is a method of selecting the settlement at the time of settlement. When using a method of selecting a plurality of payment methods to be used for payment in advance, for example,
A plurality of payment methods used for payment can be selected from a plurality of registered payment methods. In the case of using a method of selecting a plurality of payment methods to be used for payment at the time of payment, for example, a plurality of registered payment methods are displayed on the terminal device at the time of payment, and the user uses the payment method from among the plurality of payment methods. It is configured so that a plurality of settlement methods can be selected. In addition, it is also possible to configure so that a user can select whether to use a method of selecting a plurality of settlement methods to be used for settlement in advance or to use a method of selecting at settlement. Also,
In the case of performing the combined settlement by a plurality of settlement methods, it is preferable that the plurality of settlement methods for performing the combined settlement be configured to be selectable, and that the settlement amount for each selected settlement method be determined.

[0015] The member number (user identification number), the password, the payment information indicating the payment method,
For example, account settlement information including an account number and an account identification code, credit settlement information including a credit number and a credit identification code, a telephone line number, telephone settlement information including an ID and a telephone identification code, a hall member number and a ballpark identification code. And the like are stored in the storage means 13 of the settlement server 10 as member information in association with each member. The output of the product information, the input of the member number and the personal identification number, the selection of the settlement method, and the like can also be performed by voice.

Next, a description will be given of a first embodiment of the operation of the user terminal 20 and the settlement server 10 when purchasing and paying for goods online from the user terminal 20. First
In the embodiment of the present invention, one of a plurality of registered payment methods is used.
Settlement is made by two settlement methods. For example, user terminal 2
If “Product purchase” is selected while the “Menu selection screen” is displayed on the display means 0, for example, a “Product list screen” shown in FIG. 7 is displayed. On the “product list screen”, the product name of the product that can be purchased, the price of the product, the content outline of the product, and the like are displayed. When purchasing a product, the user selects a product name desired to be purchased (for example, performs a click operation in a state indicated by a cursor) and then “purchase”.
Select To cancel the purchase of the product, click "Cancel"
Select If you want to know the details of the product, select the product name and then select "detailed product description". When the “detailed product description” is selected, a “detailed product description screen” of the selected product is displayed, for example, as shown in FIG. When purchasing a product, the user "purchase"
Select To return to the “product list screen”, select “return to previous screen”.

"Product list screen" shown in FIG. 7 or FIG.
When "Purchase" is selected on the "detailed item description screen" shown in Fig. 9, for example, a "item purchase screen" shown in Fig. 9 is displayed. When the user selects “OK” after inputting the member number and the password on the “product purchase screen”, that is, a payment instruction including the member number (user identification number) and the password is input to the user terminal 20. In this case, the user terminal 20 transmits the input member number and password to the payment server 10. The settlement server 10 compares the member number and the password input at the user terminal 20 with the member number and the password stored in the storage unit 13. When the member number and the password match, if only one piece of payment information is registered as the payment information corresponding to the member number, the payment server 10 sends the authentication OK signal to the user terminal 2.
Send to 0. If the member number and the password do not match, the settlement server 10 transmits an authentication NG signal to the user terminal 20. When only one piece of payment information is registered as payment information, as shown in FIG. 10, the member information of the storage means 13 includes a user identification number and its password, and a payment code (credit number, account number, etc.). ,
A number code such as a telephone line number) and a settlement type code (an account identification code, a credit identification code, a telephone identification code, etc.) are stored. Upon receiving the authentication OK signal, the user terminal 20 displays, for example, a “money amount confirmation screen” shown in FIG. On the “money amount confirmation screen” shown in FIG. 11, the product name and price of the product desired to be purchased are displayed. Note that the registered payment information can be transmitted from the payment server 10 to the user terminal 20, and the payment method corresponding to the payment information can be displayed on the “amount confirmation screen”. For example, an account transfer, credit, telephone charge payment, etc., a bank name, a credit company name, etc., are displayed in △△△ of the “amount confirmation screen” shown in FIG. When the user selects “purchase” on the “amount confirmation screen”, the user terminal 20 transmits a purchase instruction to the settlement server 10. Thereby, the payment server 10
Performs the settlement of the commodity price based on the registered settlement information. Then, the product is instructed to be shipped. When the product is information such as game software, image data, music data, or the like, the information may be downloaded to the user terminal 20. User terminal 20
When an authentication NG signal is received, an error message is output, and a "product purchase screen" is displayed and a member number and a password are re-input, or a "menu selection screen" is displayed.

On the other hand, the settlement server 10 determines that the member number and the password match, but as the settlement information corresponding to the member number, a plurality of settlement information, for example, a plurality of settlement identification codes or a plurality of settlements of the same settlement identification code. If the code is registered and one of the plurality of payment information is not selected in advance, each payment information registered corresponding to the member number is transmitted to the user together with the authentication OK signal. Transmit to terminal 20. When the user terminal 20 receives the authentication OK signal and the payment information,
"Amount confirmation screen" is displayed. In this case, the “money amount confirmation screen” displays the product name of the product desired to be purchased, the price, and the payment method corresponding to the received payment information. FIG.
Is an example in which a plurality of types of payment information having different payment identification codes are registered, and indicates that credit payment information, account payment information, and telephone payment information are registered. When the user selects “Purchase” after selecting the current payment method from the payment methods displayed on the “amount confirmation screen”, the user terminal 20 sets the payment corresponding to the selected payment method. The information is transmitted to the settlement server 10. Thereby, the settlement server 10 performs the settlement of the commodity price based on the selected settlement information, that is, by the settlement method corresponding to the selected settlement information.

If the user can understand the registered settlement method, the settlement method such as credit, account transfer, telephone charge, etc. may be displayed on the "amount confirmation screen". A company name or the like may be displayed, a credit number, an account number, a telephone number, or the like may be displayed, or a combination thereof may be displayed. In addition, when a plurality of payment codes having the same payment type code are registered, for example, when a plurality of account numbers are registered, a plurality of registered payment codes are displayed on the “amount confirmation screen” shown in FIG. It is also possible to display an account number and select an arbitrary account number. Alternatively, when the user selects the account transfer displayed on the “amount confirmation screen” shown in FIG. 12, a plurality of registered account numbers are displayed, and an arbitrary account number can be selected. Can also. In this case, it is preferable to display on the “amount confirmation screen” that a plurality of account numbers, a plurality of credit numbers, and the like are registered.

In addition, in the case of a user who has entered the membership card number and the PIN number of the membership card issued at each game store at the time of joining as a member number and a PIN number, register or select the savings method as a payment method. be able to.
In the case where only one piece of bill storage payment information is registered as payment information, when a payment instruction including a member number and a password is input to the user terminal 20, for example, a “commodity replacement ball number confirmation screen shown in FIG. Is displayed. On the “commodity exchange ball count confirmation screen” shown in FIG. 13, the product name of the product to be purchased, the exchange ball count, the name of the withdrawn hole, the number of coins before exchange, the number of coins after exchange, and the like are displayed. In this case, the settlement server 10 reads the number of balls stored by the hall member from the member server of the amusement store where the user is the hall member based on the member number, that is, the hall member number, and stores the number in the storage unit 13. The number of exchanged balls of the desired commodity is read from the commodity information, and the number of exchanged balls, the number of accumulated coins before exchange, and the number of accumulated coins after exchange are displayed. If the exchange rate of each member's savings is different, calculate the number of replacements for the product you want to purchase based on the product information, the exchange rate of the savings, etc. Preferably, it is displayed. The authentication of the member number and the password may be performed by a member server or the like of the game arcade. When the user selects “exchange” on the “commodity exchange ball count confirmation screen”, a purchase instruction is transmitted from the user terminal 20 to the settlement server 10. Thereby, the payment server 10
Transmits the number of exchanged balls to be exchanged for goods to the member number, that is, the member server of the game store corresponding to the hall member number. The member server or the like of the amusement store updates the number of stored balls by subtracting the received number of exchanged balls from the number of stored balls of the corresponding hall member. In addition, the member information of each game store is collected and stored in the member server 10 at an appropriate time, and the merchandise exchange of each hall member is performed based on the number of coins stored in the stored member information. Can also.

If the payment information is registered in addition to the banknote settlement information, and one of the payment information is not selected in advance, the payment method column of the "amount confirmation screen" shown in FIG. The payment method corresponding to the registered payment information is displayed. The settlement server 10 performs settlement of the commodity price by the settlement method selected by the user. When the savings settlement information is registered, it is preferable to display the number of exchanged balls, the number of accumulated balls, and the like on the “commodity list screen”, the “commodity detailed explanation screen”, the “amount confirmation screen”, and the like. For example, it is configured to be able to display a "payment balance confirmation screen" shown in FIG. On the “ball balance check screen” shown in FIG. 14, the store name of the game store in which the user corresponding to the member number is a member, the group name of the game store, the hall member number of each game store, the number of balls stored at each game store Is displayed. In this way, by displaying the number of bills stored in each game store, the user can easily select which game store's stored ball is to be exchanged for a product.

The member number and the password match, and one of a plurality of payment information registered corresponding to the member number is included.
When one set of payment information is selected in advance, the user terminal 20 displays, for example, an “amount confirmation screen” shown in FIG. In this case, the "name check screen" displays the product name and price of the product desired to be purchased. Note that the payment method corresponding to one pre-selected payment information, for example, account transfer, credit, telephone charge, etc. corresponding to the payment type code of the payment information is displayed in the triangle of the “amount confirmation screen”. Is preferred. In addition, when a plurality of payment codes having the same payment type code are registered, for example, when a plurality of account numbers or credit numbers are registered, it is difficult to know which account or credit is to be settled. It is preferable to display the payment information so as to be understood. For example, XX bank or △△ credit company is displayed, or an account number or credit number is displayed. When the user selects “purchase” on the “amount confirmation screen”, a product purchase instruction is transmitted to the settlement server 10. Thereby, the settlement server 10 performs the settlement of the commodity price based on the settlement information selected in advance.

Next, a description will be given of a second embodiment of the operation of the user terminal 20 and the settlement server 10 when purchasing and paying for goods online from the user terminal 20. In the second embodiment, it is possible to perform settlement by one of a plurality of registered settlement methods or total settlement by a selected plurality of settlement methods. As in the first embodiment, when the user selects “purchase” and then inputs a settlement instruction including a member number and a password into the user terminal 20, the user terminal 20 receives the input member number. And the personal identification number to the settlement server 10. Payment server 10
When the received member number and PIN match the member number and PIN stored in the storage unit 13, when one piece of payment information is registered or selected as payment information corresponding to the member number, Performs settlement in the same manner as in the first embodiment. If the member number and the password match, and a plurality of pieces of payment information are registered as payment information corresponding to the member number, if one piece of payment information is not selected, the payment server 10 sends an authentication OK signal. And each payment information registered corresponding to the member number is transmitted to the user terminal 20. The user terminal 20 is authenticated OK
When a signal and a plurality of payment information are received, for example, an “amount confirmation screen” shown in FIG. 15 is displayed. On the "money amount confirmation screen" shown in FIG. 15, the product name, price, and settlement method of the product desired to be purchased are displayed. In the “money amount confirmation screen” shown in FIG. 15, as the settlement method, it is possible to select whether to perform settlement using one settlement method or to perform combined settlement using a plurality of settlement methods.

When the user selects “select one payment method” on the “amount confirmation screen”, the user terminal 20 displays, for example, a “payment method selection screen” shown in FIG. FIG.
In the “payment method selection screen” shown in FIG. 6, a plurality of pieces of payment information registered corresponding to the member number are displayed, and one of the pieces of payment information is displayed so as to be selectable. In the “payment method selection screen” shown in FIG.
It is displayed that account settlement information and coin savings settlement information are registered. In this case, as a method of displaying the registered payment information, a credit or an account corresponding to the payment type code, a bank name or a credit company name, an account number or a credit number corresponding to the payment code, alone or in combination is used. Can be displayed. When a plurality of payment codes having the same payment type code such as a credit number and an account number are registered, information corresponding to each registered credit number and account number, for example, a credit company name or a bank name Is preferably displayed. When the user selects “purchase” after selecting one payment method, the user terminal 20 transmits payment information corresponding to the selected payment method to the payment server 10. Thereby, the settlement server 10 performs the settlement of the commodity price based on the selected settlement information.

When the user selects "select a plurality of payment methods" on the "payment method selection screen", the user terminal 20 displays, for example, a "combined payment method selection screen" shown in FIG. The payment server 10
A plurality of payment information registered corresponding to the member number transmitted from is displayed, and the plurality of payment information among them is displayed in a selectable manner. In FIG. 17, it is displayed that credit settlement information, account settlement information, and coin savings settlement information are registered. When the user selects “purchase” after selecting a plurality of payment methods for performing the combined payment, the user terminal 20 displays, for example, a “money input screen” shown in FIG. In the “money input screen” shown in FIG. 18, the selected payment method is displayed, and the amount to be settled by each selected payment method is displayed so as to be settable. The “money amount input screen” shown in FIG. 18 indicates that the credit settlement, the account settlement, and the bank account settlement are selected as the settlement method for performing the combined settlement. The user sets the settlement amount for each settlement method on this "amount entry screen". In this case, the number of saved coins can be set for the saved coin settlement. In the case of performing the coin savings settlement, it is preferable to display the number of exchanged coins corresponding to the commodity price and the set coin accumulation number. Then, when the user instructs “purchase” after the sum of the settlement amounts of the respective settlement methods becomes equal to the product price, the user terminal 20 sets the settlement information and the respective settlement information corresponding to the selected settlement method. Is transmitted to the payment server 10. Thereby, the settlement server 10 performs the total settlement of the commodity price based on the selected settlement information and the settlement amount corresponding to each set settlement information. In the "money input screen" shown in FIG. 18, it is preferable to display the deposit balance, the number of saved coins, the amount available for transaction, and the like corresponding to each settlement method.

In the above embodiment, the settlement method for performing the combined settlement is selected at the time of settlement. However, the settlement method for performing the combined settlement may be selected in advance. When the settlement method for performing the total settlement is selected in advance, the settlement amount corresponding to each settlement method can be determined at the time of settlement, or the setting of the settlement amount can be omitted. When the settlement method for performing the total settlement is selected in advance, the "money amount confirmation screen" shown in FIG. 11 is displayed instead of the "money amount confirmation screen" shown in FIG. At this time, it is preferable to display the payment method corresponding to the plurality of payment information selected in advance so that the user can understand the payment method. When the payment amount is determined at the time of payment, when “purchase” is selected on the “amount confirmation screen” shown in FIG.
The “money input screen” shown in FIG. 18 is displayed. The user sets a payment amount corresponding to each payment method on the “amount input screen”. The user terminal 20 transmits to the settlement server 10 a purchase instruction including a settlement amount and settlement information corresponding to the settlement method in which the settlement amount is set. The payment server 10
The product price is settled based on the settlement information in which the settlement amount is set. When the setting of the settlement amount is omitted, for example, a priority is given to the selected settlement method. In this case, it is preferable to display a plurality of payment methods selected in advance or the priorities of the respective payment methods so that the user can understand them on the "money amount confirmation screen" shown in FIG. And
When “purchase” is selected on the “amount confirmation screen” shown in FIG. 11, the user terminal 20 issues a purchase instruction to the settlement server 10.
Send to When the payment server 10 receives the purchase instruction, the payment server 10 performs the payment of the commodity price by the payment method having the highest priority (or the lowest priority) among the payment methods selected in advance. When the payment for the product cannot be performed within the range of the upper limit amount that can be settled by this payment method (for example, when the price of the product is higher than the amount that can be transacted, or when the number of exchanged balls with the product is larger than the number of accumulated balls) In, the settlement of the remaining price is performed by the settlement method having the next highest (or lowest) priority among the selected settlement methods. Hereinafter, in the same manner, the settlement is sequentially performed based on the priority order until the settlement of the commodity price is completed.

Further, by selecting “select one payment method” or “select a plurality of payment methods” on the “amount confirmation screen”, payment can be performed by one payment method or combined payment by a plurality of payment methods can be performed. Although it has been determined whether to perform this operation, this operation may be omitted. For example, if the member number and the password match and a plurality of pieces of payment information are registered, but one of them is not selected in advance, for example, a “payment method selection screen” shown in FIG. 17 is displayed. .
When performing payment by one payment method, the user selects one payment method on the “payment method selection screen” and then selects “purchase”. The user terminal 20 determines that one payment method has been selected, and transmits a purchase instruction including payment information corresponding to the selected one payment method to the payment server 10. When receiving one piece of payment information, the payment server 10 performs payment based on the selected one piece of payment information. In addition, in the case of performing the combined settlement by a plurality of settlement methods, the user selects a plurality of settlement methods to perform the combined settlement on the “payment method selection screen”,
Select "Buy". The user terminal 20 determines that a plurality of payment methods have been selected, and displays a "money input screen" shown in FIG. A plurality of selected payment methods are displayed in the payment method column of the “amount input screen”. The user sets a payment amount for each of the selected payment methods on the “amount input screen”, and then selects “purchase”. The user terminal 20 transmits, to the payment server 10, purchase information including payment information corresponding to the selected plurality of payment methods and a payment amount set for each payment information. Payment server 10
Performs payment based on the received plurality of payment information and the payment amount set corresponding to each payment information. As described above, the settlement by one settlement method or the combined settlement by a plurality of settlement methods can be automatically determined according to the number of the selected settlement methods, so that the user's operation becomes easy.

In the above, the case where the user purchases and pays for the product online from the user terminal has been described. However, it is also possible to confirm the sales results, purchase history, and the like. For example, after selecting “sales record” on the “menu selection screen” and then specifying a product on the “product specification screen”, the storage unit 1
The sales result of each product within a predetermined period is read from the history information stored in No. 3 and the “sales result confirmation screen” shown in FIG. 19 is displayed. Thereby, the sales performance of each product can be known. Further, for example, after selecting “purchase record” on the “menu selection screen”, when a user is specified on the “user specification screen”, a predetermined period of the user specified from the history information stored in the storage unit 13 is displayed. The purchase history is read out, and a “purchase history confirmation screen” shown in FIG. 20 is displayed.
Thereby, the purchase history of each user can be known.

The method of displaying a display screen, the method of selecting a product, and the method of selecting a payment method when performing online payment are not limited to the above-described embodiment, and can be variously changed.
Further, the present invention can be configured as an online payment method. That is, an online payment method for performing payment using a payment server and a plurality of terminal devices connected to the payment server via a communication line, wherein the payment server includes a user identification number and a password, and Payment information is stored for each user, and when a payment instruction including a user identification number and a password is input to the terminal device, the payment server stores the input user identification number and the password in advance. An online payment method for performing a payment based on payment information selected in advance among a plurality of payment information corresponding to the user identification number when the user identification number and the password that are used match. An online payment method for performing payment using a payment server and a plurality of terminal devices connected to the payment server via a communication line, wherein the payment server includes a user identification number, a password, and Payment information is stored for each user, and when a payment instruction including a user identification number and a password is input to the terminal device, the payment server transmits the user identification number and the password input to the terminal device. When the user ID number and the password stored in advance match with each other, the payment information corresponding to the user identification number is transmitted to the terminal device, and the terminal device sets the selected payment information to the payment. An online payment method for transmitting to a server, wherein the payment server performs payment based on the selected payment information. Further, in the online payment method, when an instruction to select one payment information is input, the terminal device selects one of the plurality of payment information corresponding to the user identification number for payment. One set of payment information is output in a selectable manner, the selected one set of payment information is transmitted to the payment server, and when an instruction to select a plurality of pieces of payment information is input, the corresponding payment information corresponds to the user identification number. A plurality of payment information for payment is selectably output from among a plurality of payment information, and the selected plurality of payment information is transmitted to the payment server, and the payment server receives the payment information received from the terminal device. An online payment method for performing a payment using one payment information or a combined payment using a plurality of payment information based on the information. Further, in the online payment method, the terminal device outputs the payment information received from the payment server in a selectable manner, and when one payment information is selected, the selected one payment information. Transmitting information to the payment server, and when a plurality of payment information is selected, transmitting the selected plurality of payment information to the payment server; and the payment server receives the payment information received from the terminal device. An online payment method for performing a payment using one payment information or a combined payment using a plurality of payment information based on the information.

[0030]

As described above, by using the online payment apparatus according to the first aspect, an arbitrary payment method can be easily selected from a plurality of payment methods. Also, if the online payment device according to claim 2 is used,
Combined settlement can be performed by a plurality of settlement methods. Also, if the online payment device according to claim 3 is used,
Each time a payment is made, an arbitrary payment method can be selected from a plurality of payment methods. Further, by using the online payment apparatus according to the fourth aspect, it is possible to select whether to perform the payment by one payment method or to perform the combined payment by a plurality of payment methods for each payment. In addition, by using the online payment device according to the fifth aspect, it is possible to select whether to perform the payment by one payment method or to perform the combined payment by a plurality of payment methods only by the operation of selecting the payment information. Further, by using the online payment device according to the sixth aspect, it is possible to select a plurality of payment methods for performing the combined payment and set the payment amount for each payment method. Further, if the online payment device described in claim 7 and claim 8 is used,
Processing of the settlement server becomes easy.

[Brief description of the drawings]

FIG. 1 is a diagram showing an embodiment of an online payment device.

FIG. 2 is a diagram showing member information in which a plurality of payment information is registered.

FIG. 3 is a diagram showing an online membership application screen.

FIG. 4 is a diagram showing an account transfer-new member enrollment application screen.

FIG. 5 is a diagram showing a credit-new member enrollment application screen.

FIG. 6 is a diagram showing a telephone charge payment-new member enrollment application screen.

FIG. 7 is a diagram showing a product list screen.

FIG. 8 is a diagram showing a product detail explanation screen.

FIG. 9 is a diagram showing a product purchase screen.

FIG. 10 is a diagram showing member information in which one piece of payment information is registered.

FIG. 11 is a diagram showing an amount confirmation screen when only one payment method is registered or when one payment method is selected in advance.

FIG. 12 is a diagram showing a money amount confirmation screen according to the first embodiment.

FIG. 13 is a view showing a commodity replacement ball count confirmation screen.

FIG. 14 is a diagram showing a savings balance confirmation screen.

FIG. 15 is a diagram illustrating a money amount confirmation screen according to the second embodiment.

FIG. 16 is a diagram showing a payment method selection screen.

FIG. 17 is a diagram showing a combined settlement method selection screen.

FIG. 18 is a diagram showing an amount input screen.

FIG. 19 is a diagram showing a sales result confirmation screen.

FIG. 20 is a diagram showing a purchase history confirmation screen.

[Explanation of symbols]

 10 payment server 13 storage means 20, 30, 40 user terminal

Claims (8)

[Claims] 1. A payment server comprising: a payment server; and a plurality of terminal devices connected to the payment server via a communication line, wherein the payment server stores a user identification number and a password and a plurality of payment information for each user. When a settlement instruction including a user identification number and a password is input to the terminal device, the input user identification number and the password and the user stored in the storage unit are provided. An online payment device for performing payment based on payment information selected in advance among a plurality of payment information corresponding to the user identification number when the identification number and the password match. 2. The online payment apparatus according to claim 1, wherein the payment server performs a combined payment based on a plurality of pieces of payment information selected in advance. 3. A payment server, comprising: a plurality of terminal devices connected to the payment server via a communication line, wherein the payment server stores a user identification number and a password and a plurality of payment information for each user. When a settlement instruction including a user identification number and a password is input to the terminal device, the input user identification number and the password and the user stored in the storage unit are provided. When the identification number and the password match each other, the payment information corresponding to the user identification number stored in the storage unit is transmitted to the terminal device, and the payment is performed based on the payment information selected by the terminal device. And the terminal device selectively outputs the payment information received from the payment server. 4. The online payment device according to claim 3, wherein the terminal device allows the user to select one payment information when an instruction to select one payment information is input. And outputs the selected payment information to the payment server. When an instruction to select a plurality of payment information is input, a plurality of payment information can be selected. The payment server outputs the payment information received from the payment server and transmits a plurality of selected payment information to the payment server. When the payment server receives one payment information from the terminal device, the payment server receives the payment information. A settlement is performed based on the one set of settlement information, and when a plurality of settlement information is received from the terminal device, an online settlement for performing a total settlement based on the received plurality of settlement information is performed. Payment device. 5. The online payment device according to claim 3, wherein the terminal device outputs the payment information received from the payment server in a selectable manner, and when one payment information is selected. Transmitting the selected one piece of payment information to the payment server, and when a plurality of payment information is selected, transmitting the selected plurality of payment information to the payment server; When one piece of payment information is received from the terminal device, payment is performed based on the received one piece of payment information. When a plurality of payment information is received from the terminal device, the plurality of payments received is received. An online payment device that performs combined payment using information. 6. The online payment device according to claim 2, wherein the payment server sums up the plurality of payment information based on the selected plurality of payment information and a payment amount set for each payment information. An online payment device for making payments. 7. The online payment apparatus according to claim 1, wherein the payment information stored in said storage means includes a payment type code and a payment code. 8. The online payment device according to claim 1, wherein the terminal device, when a payment information registration instruction is input, sets a payment type corresponding to the input payment information registration instruction. And the payment server stores the payment information including the payment code input on the registration screen and the payment type code corresponding to the registration screen in the storage unit in association with the user identification number. Online payment device.