JP2001306982A - Purchase settlement system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a purchase settlement system capable of preventing a purchaser from being greatly damaged even when card settlement is illegally performed. SOLUTION: A purchaser performs access to a selling store terminal 13, and transmits the merchandise number of a purchased article and the account number of an EC private account or the like. Then, the purchaser also performs access to a financial institute terminal 15, and transmits his or her intention to use the EC private account. The financial institute terminal 15 inquires a transfer sum to the EC private account to a purchaser terminal 11. The purchaser inputs the sum to the purchaser terminal 11, and transmits it to the financial institute terminal 15. At the time of ending transfer to the EC private account according to the instruction of the purchaser, the financial institute terminal 15 performs access to the selling store terminal 13, and transmits the information of the end of the transfer to the EC private account. The selling store performs settlement based on the account number and identification number from the EC private account.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a purchase settlement system and a purchase settlement method in online shopping.

[0002]

[Prior art]

[0003] Conventionally, online shopping for buying and selling goods has been performed on the Internet, and a credit card number or the like is used for the settlement.

[0004] For example, when purchasing a home electric appliance, a user accesses a terminal of a home electric appliance store via the user's terminal, and browses the sales item of the store on a display. Then, the user selects the product to be purchased, inputs his / her name / address, product number, etc., and the credit card number into the terminal of the user, and transmits it to the terminal of the home appliance store. The consumer electronics store sends the product to the user and makes a payment using the card number.

[0005] Such online shopping can save labor and time in slip processing.

[0006]

[Problems to be solved by the invention]

However, in the above-described purchase and settlement system, the card number or the like of the credit card is transmitted to the store, and the card number or the like is leaked from the store and may be misused. Further, there is a case where a card number or the like is transmitted to a terminal other than the store due to a purchaser's error. In such a case, the purchaser may suffer a great deal of damage and cannot perform safe online shopping.

Accordingly, an object of the present invention is to solve such a problem and to provide a purchase settlement system which does not cause a great deal of damage to the purchaser even if the card settlement is illegally performed. I do.

[0009]

Means for Solving the Problems and Effects of the Invention
Is a purchase and settlement system comprising a store device, a purchaser device connected to the store device via a network, and an account management device connected to the store device and the purchaser device via the network. A payment system, wherein the purchaser accesses the account management device using the purchaser device,
While instructing the payment account dedicated to payment to deposit funds necessary for purchase, transmitting payment account information specifying the payment account in association with the purchase application to the store device, the store uses the store device, To access the account management device,
The payment is performed using the payment account information obtained from the purchaser.

[0010] Therefore, even if the payment account is improperly debited, the loss to the purchaser is limited to the amount transferred to the payment account, and the purchaser does not suffer much damage.

[0011] According to a second aspect of the present invention, in the purchase settlement system, a payment account dedicated to payment for the purchaser and a maximum withdrawal amount of the payment account are set in the account management device, and the purchaser associates the purchase application with the purchase application. The payment account information for specifying the payment account is transmitted to the store device, and the store accesses the account management device using the store device and makes a payment request using the payment account information obtained from the purchaser. The account management device is characterized in that the settlement is not performed if the purchase amount of the purchaser exceeds the withdrawal upper limit amount.

[0012] Therefore, even if the payment account is improperly settled, the damage to the purchaser is limited to the maximum withdrawal amount of the payment account, and the purchaser does not suffer much damage.

According to a third aspect of the present invention, there is provided a purchase settlement system, wherein a payment account dedicated to payment for a purchaser is set in an account management device, and the purchaser accesses the account management device from the purchaser device and associates the purchase application with the purchase application. A payment account for one-time withdrawal is set, and payment account information for specifying the payment account is transmitted to the store apparatus in association with the purchase application, and the store uses the store apparatus to execute the account management apparatus. And making a payment request using the payment account information obtained from the purchaser.

[0014] Therefore, since the payout of the payment account is limited to one time, the purchaser does not suffer much damage.

According to a fourth aspect of the present invention, there is provided a purchase settlement system, wherein the payment account or the payment account is opened each time a purchase is made in accordance with an instruction from a purchaser device, and is closed after the settlement is completed.

[0016] Therefore, since a payment account is provided as needed, unauthorized use of the payment account can be prevented.

According to a sixth aspect of the present invention, in the purchase settlement system, the payment account or the payment account can be set to a withdrawable state or a non-withdrawable state by control of a purchaser device. Is characterized in that the payment account or the payment account can be set in a state in which it is impossible to withdraw money until acceptance of the purchase target is performed.

Therefore, since payment is not made from the payment account until the purchaser has completed the acceptance of the purchase target, the security of the commercial transaction can be improved.

The purchase settlement system according to claim 7 is characterized in that a withdrawal expiration date or a withdrawable upper limit can be set in the payment account or the payment account in accordance with an instruction from a purchaser device.

Therefore, it is possible to limit the amount of money to be withdrawn from the payment account and the period during which money can be withdrawn, thereby reducing the amount of damage.

The purchaser device is a device connected to the store device via a network, and corresponds to the purchaser terminal 11 in the following embodiment.

The account management device is a device connected to a store device and a purchaser device via a network, and corresponds to the financial institution terminal 12 in the following embodiment.

A payment account is an account dedicated to payment,
In the first embodiment, an EC-only account corresponds.

The payment account information is information for specifying the payment account in association with the purchase application, and in the first embodiment, corresponds to the account number of the EC dedicated account.

The account management device is a device connected to a store device and a purchaser device via a network, and corresponds to the card company terminal 15 in the second embodiment.

The payment account is a payment-only account for the purchaser, and corresponds to an EC-only account in the second embodiment.

The payment account information is information for specifying a payment account in association with a purchase application, and corresponds to an EC-dedicated ID number in the second embodiment.

The recording medium on which the program is recorded is a concept including a flexible disk, a CD-ROM, a hard disk, a memory card, a ROM, a punch card, a tape, and the like. In addition to a recording medium on which a program that can be directly executed by a computer is recorded, a recording medium on which a program that can be executed once by being installed on another recording medium (such as a hard disk), or an encrypted or recorded medium is recorded. This is a concept including a recording medium on which a compressed program is recorded.

[0029]

BEST MODE FOR CARRYING OUT THE INVENTION 1 First Embodiment A case will be described below in which a purchaser who has an EC-only account in advance requests a store to make a payment using a cash card. The EC-dedicated account is a payment account provided for online shopping, and can be deducted from the account by specifying an account number and an identification number.

1.1 Overall Configuration FIG. 1 shows the overall configuration of a purchase settlement system according to this embodiment. The purchaser terminal 11, the financial institution terminal 12, and the store terminal 13 are connected via the Internet 14.

A buyer using this system firstly
Access the store terminal 13 and enter the product number and E
C The account number of the dedicated account is transmitted (of FIG. 1). Then, the user also accesses the financial institution terminal 12 and transmits a request to use the EC-dedicated account (FIG. 1).

The financial institution terminal 12 inquires of the purchaser terminal 11 about the amount of money to be transferred to the EC dedicated account (FIG. 1). The purchaser inputs the amount into the purchaser terminal 11 and transmits it to the financial institution terminal 12 (FIG. 1).

Next, when the transfer to the EC dedicated account is completed according to the purchaser's instruction, the financial institution terminal 12 accesses the dealer terminal 13 and transmits the fact that the transfer has been made to the EC dedicated account (FIG. 1). ). The store performs settlement based on the account number and the identification number from the EC dedicated account.

[0034] Therefore, even if the settlement is performed improperly based on the EC-dedicated account, the damage to the purchaser is limited to the amount transferred to the EC-dedicated account, and the purchaser does not suffer much damage. .

1.2 Hardware Configuration of Financial Institution Terminal FIG. 2 shows a hardware configuration example of the financial institution terminal 12 shown in FIG. To the CPU 21 via a bus line,
Interface 22, memory 23, hard disk 2
4. The input device 25 and the CD-ROM drive 26 are connected. On the hard disk 24, an EC account control program 27, an operating system 28 (such as windows of Microsoft Corporation) and the like are recorded.

The EC account control program 27 is a program for performing a transfer from a deposit account to an EC-only account in accordance with a purchaser's instruction.

In this embodiment, the EC account control program 27 cooperates with the operating system 28 to
Perform the above functions.

1.3 Hardware Configuration of Purchaser Terminal FIG. 3 shows an example of a hardware configuration of the purchaser terminal 11 shown in FIG. The CPU 31 has an interface 32, a memory 33, a hard disk 34,
An input device 35 and a CD-ROM drive 36 are connected.

The hard disk 34 has a browser program 37 (Microsoft Corporation) for browsing information from the server and transmitting data to the financial institution terminal 12.
Internet Explorer, etc.), an operating system 38, and the like.

1.4 Purchasing / Transfer Processing of Buyer and Payment Processing of Retail Store Hereinafter, processing in the case where the purchaser makes a transfer from a deposit account to an EC exclusive account, the retailer makes a payment from an EC exclusive account using a cash card. The following describes the processing in the case of performing.

4A, 4B and 4C are flowcharts showing the processing of the browser program 37 of the purchaser terminal 11 and the processing of the EC account control program 27 of the financial institution terminal 12 when the purchaser performs the purchase / transfer processing. Indicated by

The purchaser accesses the store terminal 13 from the purchaser terminal 11 and requests browsing of the sales item (ST1).
1). The store transmits an order form as shown in FIG. 5 to the purchaser terminal 11 together with information on the description of the item for sale, price, etc. (ST12). The purchaser browses the information on the product for sale and selects a product to be purchased (ST13). Then, the merchandise number, the account number of the cash card, the name and address of the purchaser, and the like are input to the order form and transmitted to the store terminal 13 (ST14). When the store receives the order, it records it in a database as shown in FIG. Then, the shipping date of the purchased item and the payment deadline are set to the buyer terminal 1
1 (ST15, ST16).

When the purchaser is notified of the payment deadline, the purchaser accesses the financial institution terminal 12 and requests an EC-dedicated account setting form (see FIG. 7) (ST17, ST18). In response to the request, the EC account control program 27 sends an EC exclusive account setting form to the purchaser terminal 11 (ST1).
9). Upon receiving the EC-only account setting form (ST20), the purchaser inputs the EC-only account registration number, account number, transfer amount to the EC-only account, expiration date of the EC-only account, user identification number, and the like. And financial institution terminal 1
2 (ST21, ST22). The identification number is
The store (user of the EC-only account) is specified. Also, when you open an EC account,
It is given to the establisher.

The EC account control program 27 performs the transfer from the deposit account to the EC exclusive account and the setting of the expiration date of the EC exclusive account according to the EC exclusive account setting form (ST).
23, 24). Thereafter, an EC-dedicated account setting completion notice (not shown) describing the balance of the deposit account, the expiration date of the EC-dedicated account, and the like is transmitted to the purchaser terminal 11 (ST2).
5, 26). On the other hand, a notification to the effect that the purchaser has made a transfer to the EC account is transmitted to the store terminal 13 (ST2).
7).

The store specifies the account number and identification number of the EC-only account and transfers the purchase money from the EC-only account to its own account (ST28). Thereafter, the store transmits the end of the settlement to the purchaser terminal 11 (ST
29). Further, the EC account control program 27 transmits a settlement end notification (see FIG. 8) describing the balance of the EC-dedicated account, the user of the EC-dedicated account, the contents of use, the date of use, and the like (see FIG. 8) to the purchaser terminal 11 ( ST30, 31). Upon receiving the notification, the purchaser may instruct to return the balance of the EC-only account to the deposit account, or may leave the balance in the EC-only account. In addition, upon receiving this notification, if the user is informed that the unauthorized use has been performed, the user is immediately instructed to delete the EC-dedicated account.

It should be noted that the settlement is not limited to the cash card, and the settlement may be performed using a credit card.

In this embodiment, if the account number and the identification number are not specified, it is not possible to withdraw from the EC-dedicated account. However, as long as the account number is specified, the account may be debited.

Further, when the purchaser specifies the password corresponding to the account number on the EC-dedicated account setting form, if the account number and the password are not specified,
You may make it impossible to settle.

Further, the purchaser can specify his / her date of birth on the EC account setting form,
If the account number and the date of birth are not specified, settlement may not be possible.

Further, the purchaser may set the use limit of the EC dedicated account on the EC dedicated account setting form. This is to set the upper limit of one withdrawal or the upper limit of withdrawal within a predetermined period. in this case,
Even if the buyer transfers to the EC account exceeding the usage limit, it will not be deducted beyond the usage limit.

In this embodiment, the settlement based on the EC-dedicated account is performed once. However, the present invention is not limited to this, and settlement may be performed a plurality of times.

Further, in the order form or the like, the date to be debited from the EC dedicated account may be specified to the store.

Further, in this embodiment, the store is an EC
The purchase money is transferred from the dedicated account to its own account (ST28). However, the purchase money may be withdrawn directly from the EC dedicated account.

Therefore, even if an unauthorized debit is made from the EC dedicated account, the amount of damage remains within the amount transferred to the EC dedicated account, and the purchaser does not suffer a great deal of damage.

2. Second Embodiment Hereinafter, a case where the purchaser does not have an EC-only account in advance and pays for the goods (post-payment) will be described. The EC-dedicated account is an account of a card company, and can be settled by designating an EC-dedicated ID number and an identification number.

2.1 Overall Configuration FIG. 9 shows the overall configuration of a purchase settlement system according to this embodiment. The purchaser terminal 11, the card company terminal 15, and the store terminal 13 are connected via the Internet 14.

The purchaser using this system first,
The user accesses the store terminal 13 and transmits the product number of the purchased product, his / her own address, and the like (FIG. 9). Then, the user also accesses the card company terminal 15 to make the payment account E
The user sends a request to open a dedicated account C (FIG. 9).

The card company terminal 15 inquires the purchaser terminal 11 about the upper limit of the withdrawal amount of the EC dedicated account (FIG. 9). The purchaser inputs the amount into the purchaser terminal 11 and transmits it to the card company terminal 15 (FIG. 9).

Next, the card company terminal 15 issues an EC exclusive ID number when opening an EC exclusive account,
This is transmitted to the purchaser terminal 11 (of FIG. 9). The purchaser transmits the EC-dedicated ID number to the shop terminal 13 (see FIG. 9), and the shop uses this to make payment.

Therefore, even if the settlement is performed improperly based on the EC-only account, the damage to the purchaser is limited to the upper limit of withdrawal of the EC-only account, and the purchaser does not suffer much damage. .

2.2 Hardware Configuration of Card Company Terminal FIG. 10 shows a hardware configuration example of the card company terminal 15 shown in FIG. An interface 22, a memory 23, a hard disk 24, an input device 25, and a CD-ROM drive 26 are connected to the CPU 21 via a bus line. The hard disk 24 has an EC account control program 27, an operating system 28
(Microsoft windows, etc.), an account number management database 29, a payment management database 30, and the like.

The EC account control program 27 is a program for opening an EC-only account in accordance with the purchaser's instructions.

In the account number management database 29, an EC-dedicated ID number, information of an establisher, and a user identification number are registered (see FIG. 14).

After the settlement is completed, the settlement amount, the user, the date of use, and the like are registered in the settlement management database 30 together with the EC-dedicated ID number, the information of the establisher, and the like (see FIG. 15).

In this embodiment, the EC account control program 27 executes the above functions in cooperation with the operating system 28.

2.3 Hardware Configuration of Purchaser Terminal The same as 1.3 above.

2.4 Purchasing / Transfer Processing of Buyer, Payment Processing of Retail Store Hereinafter, processing in the case where the purchaser sets up an EC-only account, and processing in the case where the purchaser performs payment with a credit card based on the EC-only account. The processing will be described.

FIGS. 11A, 11B and 11C are flowcharts showing the processing of the browser program 37 of the purchaser terminal 11 and the processing of the EC account control program 27 of the card company terminal 15 when the purchaser performs the purchase / transfer processing. Indicated by

The purchaser accesses the store terminal 13 from the purchaser terminal 11 and requests browsing of the sales item (ST4).
1). The store sends an order form as shown in FIG. 5 to the purchaser terminal 11 together with information such as the description of the item for sale and the price (ST42). The purchaser browses the information on the product for sale and selects a product to be purchased (ST43). Then, the product number, the name and address of the purchaser, etc. are input to the order form and transmitted to the store terminal 13 (ST4).
4). At this time, the EC-dedicated ID number is not entered, and a post-payment certificate for guaranteeing payment of the fee after the purchase has arrived is transmitted together with the order form. Upon receiving the order form and the postpaid certificate, the store registers the order in a database as shown in FIG. Then, the shipping date of the purchased item and the payment deadline are transmitted to the purchaser terminal 11 (ST45, ST46).

When the buyer is notified of the payment deadline, he accesses the card company terminal 15 and requests an EC exclusive account opening form (see FIG. 13) (ST47, ST4).
8). In response to the request, the EC account control program 27 transmits an EC exclusive account opening form to the purchaser terminal 11 (ST49). Upon receiving the EC-only account opening form (ST50), the buyer enters the date of birth, card number, the maximum withdrawal amount of the EC-only account, the expiration date of the EC-only account, the identification number, etc., and enters the card. To the company terminal 15 (ST51,
52). Also, a lock is set so that the purchase cannot be withdrawn from the EC-only account until the purchase arrives. As the card number in the EC-only account opening form, enter the card number normally used.
The identification number specifies a store (user of an EC-only account).

The EC count control program 29
When you receive the dedicated account opening form,
The D-number is determined, and the EC-dedicated account is opened by registering the establisher, the user's identification number, and the like in association with the EC-dedicated ID number in the account number management database 29 of FIG. Then, the EC exclusive ID number is transmitted to the purchaser terminal 11 (ST54, ST55). On the other hand, a message to the effect that an EC-only account has been opened by the purchaser is transmitted to the store terminal 13 (ST57). When the purchaser receives the EC-dedicated ID number, the shop terminal 13
Is transmitted (ST58, ST58). In addition,
Even if the store receives the EC-dedicated ID number,
Cannot be settled because the lock is set in.

When the purchase is delivered to the purchaser, the purchaser instructs the card company terminal 15 to unlock the EC-dedicated account (ST60, 61, 6).
2). In accordance with the instruction, the EC account control program 27 unlocks the EC-dedicated account (S
T63).

The store specifies the EC-dedicated ID number and identification number, and performs settlement based on the EC-dedicated account (S
T64). Thereafter, the store transmits to the purchaser terminal 11 that the settlement has been completed (ST65). At this time, the EC account control program 27 registers the settlement amount, the user, and the like, together with the EC-dedicated ID number, the information of the establisher, and the like in the settlement management database 30 of FIG. Further, a settlement completion notice (see FIG. 8) describing the balance of the EC-only account, the user of the EC-only account, the contents of use, the date of use, and the like is transmitted to the purchaser terminal 11 (ST6).
6, 68). At the same time, the registered contents such as the EC-dedicated ID number for which settlement has been completed are deleted from the account number management database 29 of FIG. 14, thereby deleting the EC-dedicated account (ST67).

Therefore, since the settlement can be performed based on the EC-dedicated account only once, even if the account is illegally used, no great damage is caused.

In this embodiment, the settlement by credit card is described as an example, but the settlement may be performed by using a cash card. Further, it is not necessary to immediately erase the EC-dedicated account after the settlement is made by the store, and the EC-dedicated account may be processed according to the purchaser's instruction.

Further, since the purchaser is issued an EC-dedicated ID number, by specifying this ID number, an EC-dedicated account can be easily opened in the future.

Further, the release of the lock of the EC-dedicated account is not limited to after the arrival of the goods, but may be made at the payment time desired by the purchaser.

In this embodiment, when opening an EC-dedicated account, the card number of the credit card is entered to omit the entry of the purchaser's name / address, bank account, and the like. However, they may be entered.

In this embodiment, the purchaser has both a normal account and an EC-only account. However, only the EC dedicated account may be owned. In this case, since there is no account except at the time of purchase, unauthorized use can be prevented.

In this embodiment, unless an identification number is specified together with the EC-dedicated ID number, the account cannot be withdrawn from the EC-dedicated account. However,
It is not limited to the identification number, but may be a date of birth or the like. In addition, if all of the EC-dedicated ID number, the identification number, and the date of birth are not specified, the withdrawal may not be possible.

Further, the purchaser may set the use limit of the EC-only account in the EC-only account opening form. This is to set the upper limit of one withdrawal or the upper limit of withdrawal within a predetermined period. In this case, even if the buyer transfers money to the EC exclusive account exceeding the usage limit, the purchaser is not debited beyond the usage limit.

In this embodiment, the settlement based on the EC-dedicated account is performed once. However,
The present invention is not limited to this, and settlement may be performed a plurality of times.

Further, in the order form or the like, the date to be deducted from the EC-dedicated account may be specified to the store.

Therefore, even if an unauthorized withdrawal is made from the EC-dedicated account, the amount of damage remains within the maximum withdrawal amount of the EC-dedicated account, and the purchaser does not suffer much damage.

[Brief description of the drawings]

FIG. 1 is a diagram illustrating an overall configuration according to a first embodiment.

FIG. 2 is a diagram illustrating a hardware configuration of a financial institution terminal according to the first embodiment.

FIG. 3 is a diagram illustrating a hardware configuration of a purchaser terminal according to the first embodiment.

FIG. 4A is a diagram illustrating purchase / transfer processing of a purchaser and settlement processing of a store in the first embodiment.

FIG. 4B is a diagram showing purchase / transfer processing of a purchaser and settlement processing of a store in the first embodiment.

FIG. 4C is a diagram showing purchase / transfer processing of a purchaser and settlement processing of a store in the first embodiment.

FIG. 5 is a diagram showing an order form in the first embodiment.

FIG. 6 is a diagram illustrating a database of a store terminal according to the first embodiment.

FIG. 7 is a view showing an EC-only account setting form in the first embodiment.

FIG. 8 is a diagram illustrating a settlement end notification according to the first embodiment.

FIG. 9 is a diagram illustrating an overall configuration according to a second embodiment.

FIG. 10 is a diagram illustrating a hardware configuration of a card company terminal according to the second embodiment.

FIG. 11A is a diagram showing purchase / transfer processing of a purchaser and settlement processing of a store in the second embodiment.

FIG. 11B is a diagram showing purchase / transfer processing of a purchaser and settlement processing of a store in the second embodiment.

FIG. 11c is a diagram showing purchase / transfer processing of a purchaser and settlement processing of a store in the second embodiment.

FIG. 12 is a diagram showing a database of a store terminal in the second embodiment.

FIG. 13 is a diagram showing an EC-dedicated account opening form according to the second embodiment.

FIG. 14 is a diagram showing an account number management database 29 according to the second embodiment.

FIG. 15 is a diagram illustrating a payment management database 30 according to the second embodiment.

[Explanation of symbols]

 ────────────────────────────────────────────────── ─── Continuing from the front page (72) Inventor Ichiro Hirota 108-4 Hiraishiwakamatsu, Kawauchi-machi, Tokushima City, Tokushima Prefecture F-Term in Justsystem Corporation (reference) 3E042 CC01 CD04 EA01 5B049 AA05 BB11 BB46 CC39 DD01 EE00 EE26 FF03 GG02 GG04 GG07 5B055 BB16 CA07 CB01 CB09 EE02 EE06 EE27 JJ05 KK00 9A001 JJ25 JJ67

Claims (14)

[Claims] 1. A purchase comprising: a store device; a purchaser device connected to the store device via a network; and an account management device connected to the store device and the purchaser device via the network. A payment system, wherein a purchaser accesses an account management device using a purchaser device, instructs a payment account dedicated to payment to deposit funds necessary for purchase, and associates the payment account with a purchase application. And transmitting the payment account information to the retailer apparatus, the retailer accesses the account management apparatus using the retailer apparatus, and performs payment using the payment account information obtained from the purchaser. And the purchase settlement system. 2. A purchase system comprising: a store device; a purchaser device connected to the store device via a network; and an account management device connected to the store device and the purchaser device via the network. A payment system, wherein a payment account dedicated to payment for a purchaser and a withdrawal limit of the payment account are set in an account management device, and the purchaser specifies a payment account in association with a purchase application. The account information is transmitted to the store device, the store accesses the account management device using the store device, and makes a settlement request using the payment account information obtained from the purchaser. If the purchase price of the purchaser exceeds the withdrawal upper limit, payment is not performed, and the purchase settlement system is characterized in that the settlement is not performed. 3. A purchase comprising: a store device; a purchaser device connected to the store device via a network; and an account management device connected to the store device and the purchaser device via the network. A payment system, in which a payment account dedicated to payment for a buyer is set in an account management device, and the buyer accesses the account management device from the purchaser device and receives one withdrawal associated with the purchase application. As long as the payment account is set, and the payment account information for specifying the payment account in association with the purchase application is transmitted to the store device. The store accesses the account management device using the store device, and A payment request using the payment account information obtained from the company. 4. The purchase settlement system according to claim 1, wherein the payment account or the payment account is opened for each purchase and closed after the completion of the payment in accordance with an instruction from the purchaser device. Characterized by that. 5. The purchase settlement system according to claim 1, wherein the payment account or the payment account is established in advance and used each time a purchase is made. . 6. The purchase settlement system according to claim 1, wherein the payment account or the payment account is set to a withdrawable state and a withdrawal impossible state by control from a purchaser device. The payment account or the payment account can be set in a state in which the purchaser is unable to withdraw money until the purchaser performs acceptance of the purchase target. 7. The purchase settlement system according to claim 1, wherein a withdrawal expiration date or a withdrawable upper limit is set in the payment account or the payment account in accordance with an instruction from a purchaser device. It is characterized by being able to do. 8. A purchaser device connected to a store device and an account management device or an account management device via a network, wherein the account management device or the account management device has a dedicated payment account or payment. Transmitting a payment instruction for funds necessary for the purchase to the account, and transmitting payment account information or payment account information for specifying the payment account or the payment account to the store apparatus in association with the purchase application; Device. 9. An account management device connected to a store device via a network, wherein an instruction for depositing funds necessary for purchase into a payment account dedicated to payment is received from a purchaser device, and the payment account is stored in the payment account. An account management device for transferring the funds. 10. A store device connected to a store device and an account management device or an account management device via a network, wherein the account number or payment of a dedicated payment account in the account management device or the account management device. A store apparatus which receives an account number of an account from a purchaser apparatus, and performs settlement based on the payment account or the payment account using the account number or the account number. 11. An account management device or an account number of a payment account dedicated to payment in an account management device or an account number of a payment account is received from a purchaser device, and the payment account or payment is performed using the account number or account number. A recording medium storing a program for controlling payment based on an account. 12. Upon receipt of an instruction from the purchaser device, a payment account is set only for payment for the purchaser in the account management device, and the payment associated with the purchase application is set only once. Receiving payment account information from the device identifying the payment account associated with the purchase order;
A recording medium recording a program for controlling payment based on the payment account. 13. A recording medium on which the program according to claim 12 is recorded, further comprising, upon receiving an instruction from a purchaser device, controlling the payment account to be in a withdrawable state and in a withdrawable state. Characterized by that. 14. A store apparatus, a purchaser apparatus connected to the store apparatus via a network, and an account management apparatus connected to the store apparatus and the purchaser apparatus via the network. A payment account that is dedicated to payment for the purchaser and has a one-time withdrawal associated with the purchase application in the account management device. Payment account information for specifying the payment account in association with the purchaser device is transmitted to the store device, and the store makes a settlement request using the payment account information acquired from the purchaser. Purchase settlement method.