JP2002024721A - Electronic payment system, electronic payment method, supplier system and storage medium with program stored therein - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide an electronic payment system and electronic payment method capable of minimizing the damages of a supplier and a user. SOLUTION: In this system, a terminal 1 for depositing a deposit and performing a request of a commodity or content, a deposit management system 6 for opening a deposit account and managing the deposit in the deposit account, and a supplier system 3 for opening a payment account designated by a supplier and proposing the commodity or content according to the request from the terminal 1 are connected to the Internet 4. The supplier system 3 inquires of the deposit management system 6 about the deposit balance of the deposit account when it received the request, accepts the request when the deposit balance in the deposit account is the prize of the commodity or content or more, and requests the payment of the price to the deposit management system 6 when the request is accepted. The deposit management system 6 performs the payment processing of the prize from the deposit account to the payment account designated by the supplier according to the payment request of the price from the supplier system 3.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention provides a deposit management system, which manages the price of a product or content when the product or content is provided from a supplier system to the user in response to an application from a user terminal. The present invention relates to an electronic payment system, an electronic payment method, a supplier system, and a recording medium on which a program is recorded, for performing payment between a system and a payment account specified by a supplier.

[0002]

2. Description of the Related Art As a conventional electronic payment system, for example, an electronic payment system on a computer network disclosed in Japanese Patent Application Laid-Open No. 9-326002 is known. This electronic payment system builds a virtual shopping street on the network, allowing users to purchase desired products online from the stores that make up the shopping street, For a real bank that has the option of liquidation and clears the price of purchased products,
Set up a virtual bank on the network, the virtual bank has a virtual account of the user and a virtual account of each store, and when the user purchases the product, the virtual bank has the virtual account of the user and the virtual account of the store Transfers funds to and from the real bank, and issues an instruction for automatic transfer to the real bank to the real bank, and the real bank setstle the price based on the instruction.

As a conventional electronic settlement system of this type, there is known, for example, a money payment system for merchandise sales and a commodity delivery discrimination system described in Japanese Patent Laid-Open Publication No. Hei 10-187830. This discrimination system establishes a depository between the seller and the buyer, the depository determines that the buyer has paid the payment price, specifies the buyer's PIN, the seller's PIN and the account number, and the buyer's PIN, Notify the buyer of the seller PIN and account number,
The buyer notifies the seller of the seller's PIN and account number, the depositor determines that the seller has confirmed payment to the buyer's account, and the depositor determines that the buyer has confirmed the delivery of the product from the seller. Is determined, and only after the commodity price and the delivery of the commodity have been properly performed, the commodity price is paid from the deposit account of the buyer to the seller after a certain period of time.

[0004]

However, the conventional electronic payment system described above has the following problems. That is, if there is no deposit in the deposit account of the deposit institution or there is no deposit equal to or higher than the price of the product, the seller (hereinafter, referred to as a supplier) cannot reliably collect the price of the product. That is, the supplier suffers damage such as stepping over the price.

[0005] In addition, when goods are bought and sold using a network such as the Internet, the Internet may be used by impersonating another person. In such a case, the user may suffer unexpected damage. receive.

An object of the present invention is to provide an electronic payment system capable of minimizing damage to suppliers and users,
An electronic payment method, a supplier system, and a recording medium that records a program are provided.

[0007]

The present invention has the following arrangement in order to solve the above-mentioned problems. An electronic settlement system according to claim 1 is a terminal for depositing a deposit and applying for goods or contents, a deposit management system for providing a deposit account and managing the deposit of the deposit account, and a settlement account designated by the supplier. Each is connected to a communication network with a supplier system that provides goods or contents in response to an application from a terminal, and when an application is made, the supplier system queries the deposit management system for a deposit balance inquiry of the deposit account. It has an application receiving means for accepting an application when the deposit balance of the deposit account is equal to or more than the price of the product or content, and a transfer request means for requesting a deposit transfer to the deposit management system when accepting the application. The deposit management system transfers the payment from the deposit account to the settlement account specified by the supplier in response to the transfer request from the supplier system. Characterized in that it has a transfer processing unit for write processing.

According to a second aspect of the present invention, in the electronic settlement system according to the first aspect, when the deposit balance of the deposit account falls below a certain amount, the deposit management system notifies the terminal of the fact. It has a notifying means.

According to a third aspect of the present invention, a user deposits a deposit with a deposit management system, makes an application for goods or contents to a supplier system at a user terminal via a communication network, and the supplier system transmits the deposit from the terminal. An electronic payment method for settling the price of a product or content when the product or content is provided in response to the application, and the supplier system receives a deposit from the deposit management system when the application is made. Inquires about the deposit balance of the deposit account and accepts the application if the deposit balance of the deposit account is equal to or more than the price of the product or content.When the application is accepted, requests the deposit management system to transfer the deposit, and enters the deposit management system. Is to transfer the money from the deposit account to the settlement account specified by the supplier in response to the money transfer request from the supplier system And it features.

According to a fourth aspect of the present invention, in the electronic settlement method according to the third aspect, when the deposit balance of the deposit account falls below a certain amount, the deposit management system notifies the terminal of the fact. It is characterized by the following.

According to a fifth aspect of the present invention, there is provided a supplier system for providing goods or contents in response to an application from a terminal of a user who has deposited a deposit in a deposit management system via a communication network. Means for determining whether or not the deposit balance of the deposit account in which the deposit is input to the deposit management system upon receipt of the deposit is equal to or greater than the price of the product or content; ,
An application receiving means for receiving an application when the deposit balance of the deposit account is equal to or more than the price of the product or content, a transfer requesting means for requesting a deposit transfer to the deposit management system when the application is received, and a transfer of the price And a payment confirmation means for confirming that the money paid out from the deposit account of the deposit management system in response to the request has been deposited into the settlement account designated by the supplier.

According to a sixth aspect of the present invention, there is provided a computer-readable recording medium on which a program is recorded, wherein an application for goods or contents is made via a communication network from a terminal of a user who has deposited a deposit in a deposit management system. When the deposit account is entered into the deposit management system, the deposit balance of the deposit account in which the deposit is entered is checked to determine whether or not the deposit balance of the deposit account is equal to or more than the price of the product or content. An application acceptance function that accepts an application when the balance of the deposit is equal to or more than the price of the product or content, a transfer request function that requests the deposit management system to transfer the price when the application is accepted, and responds to the transfer request And a payment confirmation function to confirm that the money withdrawn from the deposit account of the deposit management system has been deposited into the settlement account specified by the supplier. A computer-readable recording medium storing a program for realizing the data.

According to the first and third aspects of the present invention, the user deposits a deposit in the deposit account of the deposit management system, and in the supplier system, the application receiving means operates from the user terminal. When an application is made, the deposit management system checks the deposit balance of the deposit account with the deposit management system and accepts the application if the deposit balance of the deposit account is equal to or more than the price of the product or content.When the application is accepted, the transfer request means When a deposit transfer request is made to the deposit management system, the deposit processing means of the deposit management system transfers the deposit from the deposit account to the settlement account designated by the supplier in response to the deposit transfer request from the supplier system. So
The supplier can reliably collect the money, thereby minimizing damage.

According to the second and fourth aspects of the invention, when the deposit balance of the deposit account falls below a certain amount, the notifying means of the deposit management system notifies the terminal of the fact. Therefore, it is possible to urge the user to transfer a deposit.

[0015] According to the supplier system of claim 5, when the application is made from the terminal, the judging means performs a deposit balance inquiry of the deposit account in which the deposit is inputted to the deposit management system, and checks the deposit account. Judge whether the deposit balance is equal to or more than the price of the product or content,
When the deposit balance of the deposit account is equal to or more than the price of the product or content, the application is accepted, and the transfer request means, when accepting the application, requests the deposit management system to transfer the price, and the deposit confirmation means, In response to the transfer request, it is confirmed that the money withdrawn from the deposit account of the deposit management system has been transferred to the settlement account specified by the supplier, so that the supplier can reliably collect the money,
This can minimize damage.

According to the recording medium of the sixth aspect of the present invention, by using a program for causing a computer to realize a determination function, an application receiving function, a transfer request function, and a payment confirmation function, the supplier can reliably pay the price. Can be recovered, thereby minimizing damage.

[0017]

DESCRIPTION OF THE PREFERRED EMBODIMENTS Embodiments of an electronic payment system and an electronic payment method according to the present invention will be described below in detail with reference to the drawings. FIG. 1 is a configuration block diagram of an electronic payment system according to an embodiment. In the electronic settlement system, a user deposits a deposit with a deposit management system, and a user can purchase a product or the like within the range of the deposit, and further minimizes damage to suppliers and users. The damage to the supplier includes, for example, defeating the price of the content or the product, and the damage to the user includes the use of impersonating another person.

This electronic settlement system includes a terminal 1 owned by a user, a supplier system 3 owned by a single or a plurality of suppliers (providers), a deposit management system 6, a bank system 7 arranged in a single or a plurality of banks. Each of the convenience stores 8 arranged in one or more convenience stores is connected to the Internet 4.
Terminal 1, supplier system 3, entrustment management system 6,
Each of the bank system 7 and the convenience store system 8 is configured by a computer system. Note that, instead of the bank system, a post office system or the like, or another financial institution system may be used.

The Internet 4 is an open line network corresponding to the communication network of the present invention and operated by a common protocol worldwide as a network. The supplier system 3 provides contents (contents of information) or products to the user via the Internet 4 in response to the application of the user. The application includes an application for a product or content.

(Configuration of Terminal) In the terminal 1, a user makes an application for content or merchandise by operating the terminal, and the user receives the content or merchandise corresponding to the application from the supplier system 3.

Further, the terminal 1 sets up a deposit account in the deposit management system 6, and deposits and deposits a deposit in this deposit account in order to settle the price of contents or goods.
When the terminal 1 is notified of the price, the deposit balance, the automatic deposit transfer, or the like from the deposit management system 6, or when the deposit 1 is damaged, the terminal 1 notifies the deposit cancellation such as the stop of the deposit transfer or the automatic transfer stop.

FIG. 2 is a block diagram showing the configuration of the terminal. FIG.
In the deposit usage card 11, the deposit management system 6
The deposit usage card 11 is provided with a deposit account number necessary for specifying the deposit account provided in the deposit management system 6, user identification information (user ID), and a personal identification number corresponding to the deposit account. Etc. are written. The input unit 12 is an input unit for inputting data of the deposit usage card 11, a card reader for reading information written on the deposit usage card 11, or the like.

The control unit 22 is a central processing unit (CPU) or the like, and stores programs and read-only memory (ROM) 1 stored in a random access memory (RAM) 13.
4 executes the program stored therein. These programs are for executing terminal processing.

The world wide web browser section (hereinafter, referred to as "web browser section")
It is called a browser unit. ) 16 according to the URL (Uniform Resource Locator) entered by the user.
A process of requesting the supplier system 3 having the RL to transfer information, a process of analyzing information from the supplier system 3 and displaying it on the screen of the display unit 15 and a process of transmitting user input information to the supplier system 3 I do.

The display unit 15 displays information provided from the supplier system 3, information from the deposit management system 6, and the like. The communication unit 17 performs data communication with each of the supplier system 3 and the deposit management system 6 via the Internet 4.

The user receives the price from the deposit management system 6,
When the deposit balance, the automatic deposit transfer, etc. are notified, if the deposit with the deposit management system 6 is to be continued, the deposit is automatically transferred or the deposit is transferred.

The deposit cancellation notification unit 20 is notified of the price, the deposit balance, the automatic deposit transfer, etc. from the deposit management system 6 and cancels the deposit to the deposit management system 6, or when the user is damaged. In addition, the deposit management system 6 sends a notice of deposit cancellation such as the suspension of deposit transfer or the suspension of automatic transfer.
Do for The storage unit 21 stores information input from the input unit 12, information provided from the supplier system 3, and the like.

(Configuration of Supplier System) The supplier system 3 makes an inquiry about the balance of the deposit in the deposit account to the deposit management system 6 at the time of application from the user, and makes an application when the deposit balance is equal to or more than the price. Accept
Provide products or content to users.

[0029] The supplier system 3 specifies the price of the product or content from the deposit account provided in the deposit management system 6 to the deposit management system 6 when the product or content is provided to the user. Ask to transfer to a settlement account.

FIG. 3 is a block diagram showing the configuration of the supplier system. In FIG. 3, a communication unit 33 performs data communication with each of the terminal 1 and the deposit management system 6 via the Internet 4. The control unit 42 is a CPU or the like,
The program stored in the RAM 34 and the program stored in the ROM 35 are executed. These programs are
This is to execute the processing of the supplier system.

The collation unit 36 makes an inquiry to the deposit management system 6 regarding the user, and checks whether or not the deposit account number of the user from the terminal 1 is registered in the deposit management system 6. If the user is registered in the deposit management system 6, the user is registered in the database 43.

When an application is made from the terminal 1, the deposit balance judging section 37 makes an inquiry to the deposit management system 6 for the deposit balance in which the deposit is entered, and changes the deposit balance of the deposit account to the product or content. It is determined whether it is more than the price. The application receiving unit 38 receives an application when the deposit balance of the deposit account is equal to or more than the price of the product or the content.

The transfer request section 39, upon receiving the application,
A deposit transfer request is made to the deposit management system 6. The storage unit 41 has a deposit confirmation unit 41a for confirming that the price of the product or the content has been deposited from the deposit account of the deposit management system 6 to the settlement account designated by the supplier, and the deposit confirmation unit 41a If there is a deposit in the designated payment account, you will be notified.

(Configuration of Deposit Management System) When the deposit balance in the deposit account falls below a certain amount, the deposit management system 6 notifies the user of deposit transfer or automatic transfer of deposit. .

FIG. 4 is a block diagram showing the configuration of the deposit management system. In FIG. 4, a communication unit 63 performs data communication with each of the terminal 1, the supplier system 3, the bank system 7, and the convenience store system 8 via the Internet 4. The control unit 69 is a CPU or the like, and executes a program stored in the RAM 64 or a program stored in the ROM 65. These programs execute processing of the deposit management system.

The storage unit 66 is a writable and readable memory, and a deposit account 67 is provided in a part of the storage area. The deposit account 67 has a deposit of a user deposited therein. The transfer processing unit 68 transfers the payment from the deposit account 67 to a settlement account designated by the supplier in response to a transfer request from the supplier system 3 when an application is made by the user.

When the deposit balance in the deposit account 67 falls below a certain amount, the notifying section 70 notifies the terminal 1 of the fact.

(Configuration of Bank System) FIG. 5 is a block diagram showing the configuration of the bank system. In FIG. 5, the communication unit 72
Performs data communication with the deposit management system 6 via the Internet 4. The storage unit 73 is a writable and readable memory. A user account 75 and the above-described settlement account 74 are provided in a part of the storage area.
5 has been paid by the user. The control unit 76 controls the CP
U and the like to control each unit. The controller 76 automatically transfers the deposit from the user account 75 to the deposit account 67 in response to the deposit transfer request from the deposit management system 6. Alternatively, the user transfers the deposit to the deposit account 67 at the deposit / withdrawal unit 77.

(Configuration of Convenience Store System) FIG. 6 is a block diagram showing the configuration of the convenience store system. In FIG. 6, a communication unit 82 performs data communication with the deposit management system 6 via the Internet 4. The storage unit 83 is a writable and readable memory. The deposit and withdrawal unit 84 deposits a deposit from the user. The control unit 85 is a CPU or the like, and controls each unit. The control unit 85 transfers the deposit received from the deposit / withdrawal unit 84 to the deposit account 67.

Next, the operation of the electronic payment system of the embodiment configured as described above will be described with reference to FIGS. FIG. 7 is a diagram showing a main part of the electronic settlement processing. FIG. 8 is a flowchart showing the processing of the terminal. FIG. 9 is a flowchart showing the processing of the supplier system. FIG. 10 is a flowchart showing the processing of the deposit management system.

In FIGS. 8 to 10, the portions indicated by the dotted lines show the flow of processing among the terminal 1, the supplier system 3, and the deposit management system 6 more clearly. For example, S51 ← ... indicate that the process proceeds from S11 of the terminal 1 to S51 of the deposit management system 6.

(Process of Terminal) First, the process of the terminal 1 will be described with reference to the flowchart of FIG. First, information such as a user ID and a password for newly registering a deposit account for deposit is transmitted to the deposit management system 6 (step S1).
1).

Next, a deposit use card 11 in which a deposit account number for specifying a deposit account, a user ID, a personal identification number, and the like are written is received from the deposit management system 6 (step S13). Then, the information written in the deposit usage card 11 is manually input or the input unit 1 such as a card reader.
2 and transmits the input or read information to the supplier system 3. Then, an application for goods or contents is made to the supplier system 3 (step S15).

Next, application acceptability information for an application for a product or content is received from the supplier system 3 (step S17), and the application availability information is displayed on the display unit 15. When the application possible information is received, a product or content is provided from the supplier system 3.

On the other hand, when the application refusal information is received, the goods or contents are no longer provided from the supplier system 3.

Further, a notification of the price of the product or the content, the balance of the deposit, the automatic transfer of the deposit, and the like are received from the deposit management system 6 (step S19), and the information is displayed on the display unit 15.

Next, when the deposit is canceled, for example, when it is desired to cancel the deposit for the convenience of the user, or when the user is damaged, for example, when the Internet is impersonated by another person, The deposit cancellation notification unit 20 notifies the deposit management system 6 that the deposit is not transferred or that automatic transfer is not desired, that is, the deposit cancellation notification (step S23). Further, a notification of the completion of the deposit is received as a response from the deposit management system 6 (step S25). That is, in the event of damage, the user can notify the deposit cancellation notification, thereby suppressing the damage within the range of the deposit. In addition, the deposit can be canceled for the convenience of the user. At the time of the cancellation of the deposit, if there is a deposit balance of the user, a transfer is requested to the user account 75 or a deposit / withdrawal unit 7 with a bank system or a convenience store system.
The deposit balance is paid out at 7,84 (step S26).

On the other hand, if the deposit is not canceled, a certain deposit is automatically transferred or transferred from the deposit / withdrawal section 77, 84 of the bank system 7 or the convenience store system 8 to the deposit account 67 (step S27). Thereby, the content or the product can be further purchased.

(Process of Supplier System) Next, FIG.
The processing of the supplier system 3 will be described with reference to the flowchart of FIG. First, it is determined whether an application has been made from the terminal 1 (step S31). At this time, the matching unit 36
Checks the user ID and the like from the terminal 1 against the user ID and the like registered in the database 43, and when they match, confirms with the user himself.

If the user has not been registered, the depository registration of the user is performed by checking whether the depositary account number of the user is registered in the depository management system 6.
You can find out by inquiring against. When the user has been registered, when the deposit balance of the deposit held in the deposit account 67 is referred to the deposit management system 6 at the time of accepting the application for the product or the content of the user (step S35), the deposit is performed. The deposit balance information of the user is received from the management system 6 (step S37).

Next, the deposit balance judging section 37 sets the deposit account 6
It is determined whether or not the deposit balance of No. 7 is equal to or more than the price of the product or the content (step S39).
When the deposit balance of the deposit account is equal to or more than the price of the product or the content, the application is accepted, and the application permission information is notified to the terminal 1 (step S41). Then, when an application from the user is received, the content or the product is provided to the user (step S43).

Further, when receiving the application, the transfer requesting unit 39 requests the deposit management system 6 to transfer the payment (step S45), and the deposit / withdrawal unit 40 responds to the transfer request for the deposit. The money is transferred from the deposit account 67 of the management system 6 to the settlement account 74 specified by the supplier (step S47).

On the other hand, if the deposit balance is less than the payment in step S39, the application 1 notifies the terminal 1 of the application impossible information (step S49). As described above, according to the supplier system, the supplier can surely collect the price, thereby minimizing damage. In addition, for users whose deposit balance is less than the price, the application can be refused, so that damage can be stopped early.

(Process of Deposit Management System) Next, FIG.
The processing of the deposit management system 6 will be described with reference to the flowchart of FIG. First, information for new registration of a deposit account is received from the terminal 1 (step S51), a deposit card 11 is created using the received information, and the created deposit card 11 is sent to the user (step S51). S53). Then, a notice is issued from the user account 75 of the bank system 7 to automatically transfer the deposit or transfer the deposit to the user.

Next, upon receiving a request for a user's deposit balance inquiry from the supplier system 3 (step S55),
In response to this request, the deposit balance in the deposit account 67 is provided to the supplier system 3 (step S57).

Further, it is determined whether or not there has been a transfer request for the price from the supplier system 3 (step S5).
9) If there is a transfer request, the deposit account 67
Is transferred to the settlement account 74 designated by the supplier (step S61). That is, the equivalent amount is withdrawn from the deposit account 67, and the equivalent amount is deposited into the settlement account 74 specified by the supplier. And settlement account 7
When the payment is made, the supplier system 3 is notified that the payment has been made. At this time, the deposit balance in the deposit account 67 is an amount obtained by subtracting the deposit from the deposit.

Further, the price, the deposit balance, the automatic deposit transfer, etc. are notified to the terminal 1 (step S63). Further, it is determined whether or not the deposit balance is equal to or less than a certain amount (step S65). If the deposit balance is less than a certain amount and the deposit is not canceled (N in step S67)
O), a deposit money transfer request is made to the bank system 7 (step S69). Further, the deposit is transferred from the user account 75 of the bank system 7 to the deposit account 67, or the user transfers the deposit from the convenience store system 8 or the like (step S).
71).

On the other hand, when the deposit is canceled (YES in step S67), the deposit is refunded to the user (step S73).

As described above, according to the deposit management system 6, when the deposit balance of the deposit account falls below a certain amount, the terminal is notified of the fact, and the user is notified of the deposit. Transfers can be encouraged.

Note that the present invention is not limited to the electronic settlement system and the electronic settlement method of the embodiment. In the embodiment, the Internet is used as a communication network.
For example, a telephone line or a dedicated line may be used as the communication network. In addition, it goes without saying that various modifications can be made without departing from the technical idea of the present invention.

[0061]

According to the first and third aspects of the present invention, the supplier can reliably collect the price, thereby minimizing damage.

According to the invention of claim 2 and the invention of claim 4, when the deposit balance of the deposit account falls below a certain amount, the terminal is notified of the fact, so that the user is notified. It is possible to encourage the transfer of a deposit.

According to the supplier system of the fifth aspect of the present invention, the supplier can surely collect the price, thereby minimizing the damage.

According to the recording medium of the sixth aspect of the present invention, by using a program for realizing a judgment function, an application accepting function, a transfer request function, and a payment confirmation function on a computer, the supplier can reliably pay the price. Can be recovered, thereby minimizing damage.

[Brief description of the drawings]

FIG. 1 is a configuration block diagram of an electronic payment system according to an embodiment.

FIG. 2 is a configuration block diagram of a terminal provided in the electronic payment system.

FIG. 3 is a configuration block diagram of a supplier system provided in the electronic payment system.

FIG. 4 is a configuration block diagram of a deposit management system provided in the electronic settlement system.

FIG. 5 is a configuration block diagram of a bank system provided in the electronic settlement system.

FIG. 6 is a configuration block diagram of a convenience store system provided in the electronic settlement system.

FIG. 7 is a diagram showing a main part of an electronic settlement process.

FIG. 8 is a flowchart showing processing of a terminal.

FIG. 9 is a flowchart showing processing of the supplier system.

FIG. 10 is a flowchart showing processing of the deposit management system.

[Explanation of symbols]

 Reference Signs List 1 terminal 2 communication line 3 supplier system 4 internet 6 deposit management system 7 banking system 8 convenience store system 11 deposit use card 15 display unit 16 browser unit 20 deposit cancellation notification unit 36 verification unit 37 deposit balance judgment unit 38 application acceptance unit 39 transfer request Unit 41 storage unit 41a payment confirmation unit 67 deposit account 68 transfer processing unit 70 notification unit 74 settlement account 75 user account 77,84 deposit / withdrawal unit

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 502 G06F 17/60 502

Claims (6)

[Claims] 1. A terminal for depositing a deposit and applying for goods or contents, a deposit management system for providing a deposit account and managing the deposit of the deposit account, and a settlement account designated by a supplier for providing a deposit account. Each of which is connected to a communication network for providing the product or the content in response to the application, wherein the supplier system, when the application is made, deposits the deposit balance of the deposit account to the deposit management system. An application receiving means for receiving the application when an inquiry is made and the deposit balance of the deposit account is equal to or more than the price of the product or content, and, when the application is received, a transfer request for the price to the deposit management system. Transfer requesting means for performing the transfer, wherein the deposit management system receives a request for transfer of the price from the supplier system. An electronic settlement system, comprising: a transfer processing unit for transferring a deposit from the deposit account to a settlement account designated by the supplier. 2. The deposit management system according to claim 1, further comprising: notifying means for notifying the terminal when the deposit balance of the deposit account falls below a certain amount. Electronic payment system as described. 3. A user deposits a deposit in a deposit management system, makes an application for goods or contents from a user terminal to a supplier system via a communication network, and the supplier system responds to the application from the terminal. An electronic payment method for paying for a product or content when the product or content is provided, wherein the supplier system receives the deposit and deposits the deposit with the deposit management system when the application is made. When the deposit balance inquiry of the account is performed and the deposit balance of the deposit account is equal to or more than the price of the product or content, the application is accepted, and when the application is accepted, a transfer request for the deposit is sent to the deposit management system. The deposit management system performs the deposit from the deposit account in response to a transfer request for the deposit from the supplier system. Electronic payment method, characterized in that the pliers to transfer processing to the settlement account that you specify. 4. The electronic settlement system according to claim 3, wherein the deposit management system notifies the terminal when the deposit balance of the deposit account falls below a certain amount. Method. 5. A supplier system for providing goods or contents in response to an application via a communication network from a terminal of a user who has deposited a deposit in a deposit management system, wherein the application is not performed. Determining means for inquiring the deposit balance of the deposit account in which the deposit is input to the deposit management system to determine whether or not the deposit balance of the deposit account is equal to or more than the price of the product or the content. An application receiving means for receiving the application when the deposit balance of the deposit account is equal to or more than the price of the product or content; and a transfer for requesting the deposit management system to transfer the price when the application is received. Request means, and the payment, which has been withdrawn from the deposit account of the deposit management system in response to the payment transfer request, is transferred to a settlement account designated by a supplier. Supplier system characterized in that it comprises a payment confirmation means for confirming that it has been gold,. 6. A computer-readable recording medium on which a program is recorded, wherein when a deposit of a deposit is received from a terminal of a user who deposits a deposit with a deposit management system via a communication network, the deposit is performed. A determination function for inquiring the deposit balance of the deposit account in which the deposit is input to the management system to determine whether the deposit balance of the deposit account is equal to or more than the price of the product or content, An application receiving function for receiving the application when the deposit balance is equal to or more than the price of the product or content; and a transfer request function for requesting the deposit management system to transfer the price when the application is received. In response to the transfer request for money, the money withdrawn from the deposit account of the deposit management system is transferred to a settlement account designated by the supplier. Computer readable recording medium storing a program for implementing a payment confirmation function of confirming, to a computer that has.