JP2000331095A - Distribution server of transaction request information for settlement system and method and system for settlement - Google Patents

Abstract

PROBLEM TO BE SOLVED: To obtain a settlement method which has a common mechanism coping with various settlement methods for electronic settlement. SOLUTION: A subscribing member transmits an ID and a password, which are automatically picked up by an authentication server 209, to a distribution server 207 (4). The distribution server 207 receives this information to discriminate an issue source of the ID in accordance with a prescribed column of the ID. As the result of discrimination, the ID and the password are transmitted to each authentication server 209, which issued the ID, to request the information required for authentication of the subscribing member and credit processing (5).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a transaction request information distribution server, a settlement system, and a settlement method in a settlement system, and more particularly, to various settlement means for Internet settlement. The present invention relates to a transaction request information distribution server, a payment system, and a payment method in a payment system that distributes purchase information of goods or services between a store and a payment system.

[0002]

2. Description of the Related Art As a conventional electronic payment method, an identification number (ID) and a password are used as identification information to identify a member of a payment service, and a product is purchased via the Internet. Methods are known.

FIG. 5 shows a flow of a settlement process to a credit card company using a network in a conventional example.

[0005] Reference numeral 501 denotes a member terminal, which is a PC (personal computer) used by the member when purchasing a product or the like by the electronic settlement service. Reference numeral 503 denotes a member store server, which is managed by a retail store that entrusts a credit card company with a credit card company to a settlement service company. Reference numeral 507 denotes an authentication server managed by the settlement service company, which performs credit inquiry to the credit card company and relays information of approval for the inquiry. Reference numeral 505 denotes a credit settlement server managed by a credit card company. Joining member terminal 501,
The member store server 503, the authentication server 507, and the credit settlement server 505 respectively transmit and receive the following information through communication between computer systems.

[0005] In the settlement service system, the member terminal 501 connects to the Internet and browses product information on the homepage of the member store server 503. When purchasing the desired product, the joining member must enter the joining member terminal 50
1 sends an electronic file including an order form and a payment form to the member store server 503, and places an order for a product ((1)).
When placing an order, the member enters the identification number (I) entered on the website from the member terminal 501 to identify the purchaser.
D) and the password are transmitted. The member store server 503 receiving the order for the product notifies the authentication server 507 of the order contents including the ID and the password based on the order form ((2)).

Here, the membership number of the credit card associated with the ID is registered in the authentication server 507 in advance. The authentication server 507 checks the ID and password received from the member store server 503 and authenticates the member. When the validity of the ID and the password is recognized as a result of the authentication, an inquiry is made to the credit card company 505 based on the member number corresponding to the ID as to whether the member has the ability to pay, that is, credit is performed ((3)).

[0007] The credit settlement server 505 examines whether the member can pay for the inquiry,
A reply is returned to the authentication server 507 ((4)). This content is sent to the member store server 503 ((5)), and as a result of the reply,
If the member can pay, the merchandise is shipped from the member store to the member. Thereafter, the payment is made from the credit card company to the member store.

[0008]

However, with the diversification of electronic settlement transactions, various forms of settlement methods, such as debit cards having an instant settlement function in cash cards, involve banks and credit companies. It has been extensively experimented and developed or put into practical use. In such a situation, there is a problem in that a store that does not support a specific electronic payment method available to a customer cannot sell a product to the customer.

[0009] Further, in the case of using the existing electronic settlement method, in order to sell goods on the Internet to customers using various settlement methods at each store, it is necessary to individually set up each settlement company. Had to sign a settlement contract.

[0010] Further, in order to support different settlement methods,
In each store, it is necessary to build a system that can individually handle different types of settlement methods, and when each store gives credit to a card, it is necessary to give credit to each settlement company individually.

An object of the present invention is to provide a distribution server of transaction request information, a settlement system, and a settlement method in a settlement system having a common mechanism corresponding to various settlement methods for electronic settlement. .

[0012]

According to one aspect of the present invention, there is provided a distribution server for transaction request information in a settlement system capable of performing settlement by a plurality of different settlement methods. Receiving means for receiving identification information from a plurality of member terminals and receiving transaction request information from the member store server; determining means for determining a transaction settlement method based on the identification information; Transmission means for transmitting the transaction request information to a payment server corresponding to each payment method.

According to a second aspect of the present invention, there is provided a settlement system, comprising: a member store server for providing transaction information; a member terminal for transmitting transaction request information to the member store server; A plurality of payment servers capable of performing different payment methods, receiving identification information from the member terminal, receiving the transaction request information from the member store server, and determining a payment method based on the identification information. And a distribution server that transmits the transaction request information to the payment server corresponding to each of the determined payment methods.

[0014] The invention according to claim 3 provides the invention according to claim 2.
Wherein the distribution server further receives a password from the subscribing member terminal.

The invention described in claim 4 is the same as the claim 2.
Or the payment system according to 3, further comprising a plurality of authentication servers for performing personal authentication based on the identification information and transmitting payment information corresponding to the identification information to the distribution server.

The invention described in claim 5 is the same as the invention in claim 4.
Wherein the identification information is issued by the authentication server.

Further, the invention described in claim 6 is the same as claim 4.
Or the payment system according to 5, wherein the password is issued by the authentication server.

Further, the invention described in claim 7 is based on claim 4.
7. The payment system according to any one of items 1 to 6, wherein the payment information includes a member number of a member using the payment method and an expiration date of the member number.

The invention described in claim 8 is the fourth invention.
7. The settlement system according to any one of items 1 to 6, wherein the settlement information includes a bank number of a bank adopting the settlement method, a branch number, an account, an account number, and an account name. And

According to a ninth aspect of the present invention, there is provided a settlement method, comprising: a step of receiving identification information from a member terminal; a step of receiving transaction request information from a member store server; And a step of transmitting the transaction request information to a payment server corresponding to each of the determined payment methods.

According to a tenth aspect of the present invention, in the settlement method according to the ninth aspect, the settlement method transmits the identification information to an authentication server and receives the settlement information corresponding to the identification information. And a step of transmitting the payment information to the payment server.

[0022]

Embodiments of the present invention will be described below in detail with reference to the drawings.

FIG. 1 shows a hardware configuration of a computer system used in the settlement system of the present invention.

The computer system includes a central processing unit (CPU) 101 and a RAM 105. CPU10
1 and the RAM 105 are connected to the auxiliary storage device 107 via the bus 117. Auxiliary storage device 107,
A storage medium such as the ROM 103 can be loaded with the RAM 105 to give desired instructions to the CPU 101 and the like, and can record computer program codes for implementing the present invention.

This computer program is executed in cooperation with an operating system. It is preferable that the operating system supports a GUI multi-window environment as a standard, but the present invention is not limited to a specific operating system environment.

Reference numeral 109 denotes a communication interface coupled to the bus 117. The communication interface 109 is, for example, an integrated service digital network (I) that enables a data communication connection to the Internet / WWW (World Wide Web).
SDN) card, or a modem.

Reference numeral 115 denotes a display device such as a CRT, 111 denotes an input device for inputting characters and numerals such as a keyboard, and 113 denotes a cursor such as a mouse or a trackball for controlling the movement of the cursor on the display device 115. It is a control device. These are connected via a bus 117.

Although the system in the stand-alone environment is shown in the example of FIG.
It can be implemented as a system. In such a case, the client machine can be LAN-connected to the server machine via Ethernet or the like, so that some of the functions necessary for implementing the present invention may be arranged on the server machine side. . The design of the functions to be arranged on the server machine or the client machine can be changed according to the application of the present invention, and various changes relating to the embodiments are concepts included in the concept of the present invention. is there.

FIG. 2 shows the configuration of the settlement system according to the present embodiment.

In FIG. 2, reference numeral 207 denotes transaction request information (for example, sales information including an order form and a payment form, and information of the member store server 203 which transmitted the sales information) via the Internet as a communication network. It is a distribution server that separates. The distribution server 207 is provided on the Internet in an HTML language (HyperText Markup Language).
Is disclosed, and information can be exchanged with a member store or a member of the settlement service provided by the settlement system according to the present embodiment through this website.

Reference numeral 201 denotes a member terminal, which is a PC (personal computer) of a member of the settlement service according to the present embodiment. The member terminal 201 is also called a client. Reference numeral 203 denotes a member store server, which is a server of a retail store that outsources the settlement service according to the present embodiment to the distribution server 207. The member store server 203 publishes a homepage, and provides transaction information such as sales information of goods or services through this page.

Reference numeral 209-a denotes an authentication server of a credit company, which performs ID number assignment, password registration, and member authentication at the time of settlement processing for a member who subscribes to the settlement service according to the present embodiment. Reference numeral 209-b denotes a bank authentication server that authenticates a member of a debit card. The auxiliary storage device 107 of the authentication server 209 stores a database related to information necessary for authentication of a member. For example, the member number, password, and settlement information of the subscribing member are stored and stored in the form of a table.

205-a is a credit card payment server, 205-b is a debit card payment server,
A check is made as to whether a member who has subscribed to the payment service according to the present embodiment can pay by the electronic payment method. The auxiliary storage device 107 of the settlement server 205 stores a database related to the examination of the member who subscribes to the settlement service. For example, data such as the member number of the joining member and the limit of lending to the member are stored and stored in the form of a table.

The authentication server 209 communicates the settlement information with the distribution server 207 through a dedicated line. These servers are connected to the Internet via a line (not shown), and are not connected to the distribution server 207.
It is also possible to perform communication processing with the first and the like.

The credit settlement server 205-a and the debit settlement server 205-b are connected to a relay service center 211 specific to the settlement method in order to perform communication processing with the distribution server 207. As a relay service center 211-a when a credit card is used as a payment method, for example, it performs communication processing with a payment company via a C-HAS center which is a relay service center operated by KDD Communications Inc. As a relay service center 211-b when a bank card is used as a settlement method, for example, a CAFIS center which is an online credit information service center provided by NTT DATA Corporation is used. Payment data relay service center 2
In the communication process via the PC 11, a unique encryption / decryption process is performed in order to prevent personal information from being stolen.

Each computer system implements a gateway program which is a program for relaying between networks. In addition, the computer system includes browsing software for converting the HTML language of a homepage on the Internet into a form that can be actually browsed.
Browser is installed (installed). As a browser, for example, Netscape's Netscape Navigat
Or, use Microsoft Internet Explorer. However, these are examples and do not limit the browser environment in the present invention.

[0037] Between computer systems connected to the Internet, HTTP (Hypertext Transport Program) is used.
An HTML document is exchanged between a WWW server and a Web browser based on an otocol) protocol. Therefore,
URL from Web browser of each computer system
H on the WWW server in (Uniform Resource Locator) format
A TML document can be specified or invoked.

When information is exchanged between the computer systems via the Internet, encryption / decryption processing is performed to prevent personal information from being stolen. As an encryption method for exchanging personal information and credit information, an encryption method called SSL (Secure Socket Layer) is used. If a WWW browser for accessing a WWW server and reading data is compatible with SSL (for example, Netscape Navigat of Netscape)
or Internet Explorer by Microsoft Corporation), each computer system can exchange encrypted information without special settings.

Hereinafter, the operation of the settlement system according to the present embodiment will be described in detail.

(1) Payment Service Registration Processing A member of a payment company affiliated with the payment service according to the present embodiment becomes a subscription member of the payment service by performing the registration processing. In the case of a credit card and debit card member, the registration process is performed by the authentication server 209 of each settlement company issuing a unique ID to the member.

When a credit card member and a debit card member apply for registration to the settlement service,
An access is made via the Internet by specifying a URL of a predetermined server. The authentication server 209 displays, on the display screen of the accessed terminal, a screen including a predetermined button for the user to apply for membership registration. When the user presses this predetermined button to request a registration application, a dialog box shown in the example of FIG. 6 is displayed. The user enters the membership number, the expiration date of the membership number, the date of birth,
Enter your home phone number, address, e-mail address, password used for payment processing, occupation, and the like. After the input, by pressing an OK button 603, the input information is transmitted to each server.

FIG. 3 shows a flow of an ID issuing process for a subscribing member of the settlement system according to the present embodiment.

The authentication server 209 checks the member number input by the credit card member or the debit card member (step S3001), and after confirming that the member number is an existing member number, the member number and the date of birth. Check the consistency with the date and the credit code (steps S3003, S3005). After the members are confirmed by these checks, the user ID is automatically numbered (step S3007). The ID issued here is assigned a predetermined digit for determining the server that issued the ID. Note that the ID may be anything other than a number (for example, an alphabet) as long as it is information for identification. After that, the authentication server 209 registers the input password and the e-mail address (steps S3009 and S3011).

In this embodiment, the password entered by the member is registered. However, the password may be automatically created by the authentication server 209.

The above member can use the settlement service according to the present embodiment, and can purchase goods or services at each member store server 203.

(2) Settlement Process FIG. 4 shows a flow of a settlement process using the settlement system according to the present embodiment.

The member connects to the Internet and browses sales information of goods or services on the home page of the member store server 203. When purchasing the desired product, the subscribing member inputs the product purchase information into the order form and payment form on the home page displayed on the subscribing member terminal 201, and places an order for the product ((1)). Then, the member store server 20
3 transmits the transaction request information to the distribution server 207 ((2)).

The distribution server 207 is connected to the member terminal 201.
Is displayed on the display device of (1), stating that a request for an ID and a password is required as information of the subscribing member. Further, a dialog box for inputting an ID and a password is displayed on the homepage ((3)). FIG. 7 shows an example of the dialog box displayed here.

[0109] The joining member enters the ID number automatically assigned by the authentication server 209 in the entry field of this dialog box.
And password, and press the OK button.
The input contents are transmitted to the distribution server 207 ((4)). Upon receiving this information, the distribution server 207 determines the source of the ID from a predetermined digit of the ID. If it is determined that the member is a credit card or debit card member, the credit authentication server 209-a or the debit authentication server 209-b that issued the ID.
Transmits an ID and a password to the member, and requests information necessary for authentication and credit processing of the member ((5) or (5) ').

The authentication server 209 authenticates the member by checking the validity of the ID and the password. As a result of the authentication, when the matching between the ID and the password is recognized, the authentication server 209 transmits information necessary for the credit processing ((6) or (6) ′). The information sent here includes I for payment by credit card.
D includes the membership number corresponding to D, the expiration date of the credit card, and in the case of settlement by debit card, the bank number, branch number, subject name, account number, and account name.

The distribution server 207 performs a credit process based on the response from the authentication server 209 to determine whether the user has the ability to pay.

Here, when the settlement method determined from the ID is settlement by credit card, the credit settlement server 205-a is connected via the relay service center 211-a.
The transaction request information is transmitted to the client to request a credit ((7)). The credit settlement server 205-a examines the joining member and returns the result to the distribution server 207 ((8)). If the settlement method determined from the ID is settlement by a bank card, transaction request information is transmitted to the debit settlement server 205-b via the relay service center 211-b to make a credit request ((7) '). ). The debit payment server 205-b examines the joining member and returns the result to the distribution server 207 ((8) ').

The distribution server 207 transmits the examination result to the member store server 203 ((9)). Merchant server 2
03 displays an HTML document indicating the examination result on the member terminal 201 on the member terminal 201 ((10)). If the member can pay, the purchase of the product is confirmed, the product is sent from the member store to the member, and the payment is paid from the settlement company to the member store. Here, when the member can pay, confirmation of purchase information may be requested. The request for confirmation can be made by displaying an HTML document having a predetermined confirmation button on the member terminal 201, and prompting the member to press the button.

Although the preferred embodiment of the present invention has been described above, it is needless to say that the present invention is not limited to this embodiment but can be implemented in other various aspects. For example, it is possible to further introduce another form of settlement method into the settlement service system according to the present embodiment.

The member store server 203 displays on the screen provided by the distribution server 207 services such as canceling a purchase due to a request from a subscribing member after settlement processing, returning a purchased product, and the like.
A counting process can be performed.

[0056]

As described above, according to the present invention,
A distribution server for transaction request information in a settlement system capable of performing settlement by a plurality of different settlement methods, receiving means for receiving identification information from a plurality of member member terminals and receiving transaction request information from a member store server. Since each of the stores comprises one determining means for determining the settlement method of the transaction based on the identification information and transmitting means for transmitting the transaction request information to the corresponding settlement server for each of the settlement methods determined by the determining means. Simply subscribing to the payment service allows you to use all the payment methods supported by the distribution server.

A member store server for providing transaction information, a member terminal for transmitting transaction request information to the member store server, a plurality of settlement servers for examining the transaction request and capable of different settlement methods; The identification information is received from the member terminal, the transaction request information is received from the member store server, the payment method is determined based on the identification information, and the transaction request information is transmitted to the corresponding payment server for each determined payment method. Since there is a distribution server, it is sufficient to construct a system for each store server so as to correspond to the distribution server, and even if a new payment method is added to the payment service, the system is further supported. No need.

Further, according to the present invention, a step of receiving identification information and a password from a member terminal, a step of receiving transaction request information from a member store server, and determining a transaction settlement method based on the identification information. Each store has a step and a step of transmitting transaction request information to a settlement server corresponding to each of the determined settlement methods, so that each store performs processing from credit inquiry to sales processing for settlement methods corresponding to various settlement means. All can be entrusted to the distribution server.

[Brief description of the drawings]

FIG. 1 is a diagram showing a hardware configuration of a computer system used in a settlement system of the present invention.

FIG. 2 is a diagram showing a configuration of a payment system according to an embodiment of the present invention.

FIG. 3 is a flowchart of an ID issuing process for a subscribing member of the settlement system according to the embodiment of the present invention.

FIG. 4 is a flowchart of a payment process using a payment system according to an embodiment of the present invention.

FIG. 5 is a flowchart of a payment process to a credit card company using a network in a conventional example.

FIG. 6 is a diagram showing an example of a dialog box displayed on the display device of the member terminal.

FIG. 7 is a diagram illustrating an example of a dialog box displayed on the display device of the member terminal;

[Explanation of symbols]

 101 CPU 103 ROM 105 RAM 107 Auxiliary storage device 109 Communication interface 111 Input device 113 Cursor control device 115 Display device 117 Bus 201 Membership member terminal 203 Member store server 205-a Credit payment server 205-b Debit payment server 207 Distribution server 209 -A Credit authentication server 209-b Debit authentication server 211-a, 211-b Relay service center 501 Member terminal 503 Member store server 505 Credit settlement server 507 Authentication server 601 Entry field 603 OK button

Claims (10)

[Claims] Claims 1. A distribution server for transaction request information in a settlement system capable of performing settlement by a plurality of settlement methods different from each other, comprising: receiving identification information from a plurality of member terminals; and transmitting the transaction request information from a member store server. Receiving means for receiving, discriminating means for discriminating a settlement method of the transaction based on the identification information, and transmitting means for transmitting the transaction request information to a settlement server corresponding to each settlement method determined by the discriminating means. A distribution server for transaction request information in a settlement system, comprising: 2. A member store server for providing transaction information, a subscriber member terminal for transmitting transaction request information to the member store server, and a plurality of payment servers that examine transaction requests and are capable of different payment methods. Receiving the identification information from the member terminal, receiving the transaction request information from the member store server, determining a payment method based on the identification information, and the payment server corresponding to each of the determined payment methods. And a distribution server for transmitting the transaction request information to the settlement system. 3. The server according to claim 2, wherein the distribution server further receives a password from the member terminal.
Payment system described in. 4. Performing personal authentication based on the identification information,
4. The payment system according to claim 2, further comprising a plurality of authentication servers that transmit payment information corresponding to the identification information to the distribution server. 5. 5. The payment system according to claim 4, wherein the identification information is issued by the authentication server. 6. The payment system according to claim 4, wherein the password is issued by the authentication server. 7. The settlement according to claim 4, wherein the settlement information includes a member number of a member using the settlement method and an expiration date of the member number. system. 8. The payment method according to claim 4, wherein the payment information includes a bank number of a bank adopting the payment method, a branch number, an account, an account number, and an account name. The settlement system according to claim 1. 9. A step of receiving identification information from a member terminal, a step of receiving transaction request information from a member store server, and a step of determining a transaction settlement method based on the identification information. Transmitting the transaction request information to a payment server corresponding to each payment method. 10. The payment method further comprises: transmitting the identification information to an authentication server; receiving payment information corresponding to the identification information; and transmitting the payment information to the payment server. The settlement method according to claim 9, wherein: