JP2002024736A - Method for providing tv commerce payment execution service, system therefor, storage medium for storing program used tehrefor, and computer - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a TV commerce settlement execution service as a digital broadcasting applied technique allowing the expansion from the needs of both an entrepreneur and a consumer to a business while utilizing the advantage of digitalization of TV broadcasting to the maximum. SOLUTION: This method and system for providing a TV commerce payment execution service is executed by a network system NS having a server 1. The server 1 performs the execution of a program 40 on a storage medium 6a and the retrieval and reference of a database 50 by the processing of a CPU 40, thereby receiving a user's request of a payment by debit card using the cash card of the user's financial institution account, from a TV terminal 21 of digital broadcasting, in addition to the order from the user to the commodity and service of a content providing company B1 broadcasted in the program, and pays the price from the user's financial institute account on the basis of the requested payment by debit card.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method and system for providing a TV commerce settlement agency service, a recording medium on which a program used in these services is recorded, and a computer, and more particularly to a TV commerce settlement system using digital broadcasting. Concerning the device.

[0002]

2. Description of the Related Art In recent years, CS (Communication Satellite), CAT
Digitalization of TV (television) broadcasts such as V (cable television), BS (broadcast satellite), and terrestrial waves is rapidly progressing. For example, BS digital broadcasting is scheduled to start at the end of 2000, and terrestrial digital broadcasting is scheduled to start in 2003 or later.

[0003] In these digital broadcasts, in addition to a main broadcast that carries a normal broadcast program, a data broadcast that carries information that is linked or independent of the program (information about program performers and stores, weather information, news, etc.) is provided in a predetermined manner. You can watch at home through the receiver. As the receiver, for example, a TV terminal to which a dedicated tuner (dedicated adapter) is connected, a TV terminal with a built-in tuner, or the like is used. A recording medium such as a hard disk capable of storing broadcast programs and the like is connected to these TV terminals as needed. Also, these TV terminals can exchange data bidirectionally with an external computer (server) via a communication line. This allows viewers to store their favorite programs on a recording medium and watch them whenever they want,
Alternatively, two-way communication such as online TV shopping can be performed with the same feeling as using the Internet or the like by operating a remote controller or the like on a TV, for example, operating a mouse or the like on a PC.

[0004]

The above-mentioned digital broadcasting technology enables a fusion technology of a TV technology capable of easily providing various information to each home in real time and a two-way communication of digital information via the TV. Therefore, based on such an interactive TV, apart from the information communication technology represented by the Internet, etc., the development to the business which is not assumed at all or hardly realized in the past has been developed. The development of possible applications and applied technologies is also highly expected. In digital broadcasting applications and application technologies with a view to expanding into this type of business, companies such as sponsors who produce and provide TV programs, etc.
It goes without saying that it is important to satisfy the needs of both the consumers of each household who are the viewers of the V program.

[0005] The present invention has been made in view of such conventional circumstances, and expands the business from the needs of both businesses and consumers while maximizing the advantages of digitalization of TV broadcasting. It is an object of the present invention to provide a method and a system for providing a TV commerce settlement agency service as a possible digital broadcasting application / application technology.

[0006]

Means for Solving the Problems In order to achieve the above object, the present inventor pays attention to a TV commerce settlement agency service which performs settlement in the sale of goods and services provided by TV commerce (TV commerce). As one of the settlement methods, the company paid attention to a "debit card service" that allows payment by a cash card of a financial institution (bank, post office, etc.) to provide services such as shopping, meals, gas stations, medical services, and public institutions.

[0007] By incorporating this debit card service into TV commerce settlement, a user can pay TV commerce without any special procedure using an existing cash card, thereby increasing the convenience of settlement in TV commerce. Dramatically increase. In addition, the debit card service is structured so that it is debited from the financial institution account at the same time as the purchase, so you can shop with confidence within the range of the deposit balance. In addition, there is an advantage that a content providing company, which is a TV commerce product / service provider, can safely, securely and efficiently collect payments during settlement. The present invention has been completed based on such an idea.

That is, the TV according to the first aspect of the present invention.
A method of providing a commerce settlement agency service is to use a digital broadcasting TV terminal to place a user's order for a seller's product / service to be broadcast in the program, and to use a debit using a cash card in a financial institution account of the user. Receiving a request for payment by a card, causing the user to debit the financial institution account based on the payment of the debit card requested by the request, and Confirming from the TV terminal.

[0009] The invention according to claim 2 is the invention according to claim 1, further comprising a step of notifying the seller of order information of goods / services from the user after the withdrawal of the price. I do.

According to a third aspect of the present invention, in the first aspect of the present invention, the step of debiting the user from the financial institution account includes the step of joining the debit card from the user's financial institution account. The method further comprises the step of causing the payment agent, which is a store, to debit the account of the financial institution, and causing the payment agent to make a payment to the seller.

According to a fourth aspect of the present invention, in the first aspect of the invention, the step of causing the user to debit the account of the financial institution is performed in such a manner that the seller registers in advance as a member store of the debit card. Receiving the payment from the financial institution account of the user to the financial institution account of the seller.

In the invention described in claim 5, in the invention described in claim 1, the step of prompting the confirmation of the debit from the TV terminal includes receiving an order from the user for the debit confirmation. The method further comprises the step of notifying the seller to enclose the product at the time of delivery.

[0013] In the invention described in claim 6, in the invention described in claim 1, the step of prompting the confirmation of the debit from the TV terminal includes a step of electronically distributing the confirmation of debit. It is characterized by having.

In the invention according to claim 7, in the invention according to claim 6, the step of electronically delivering the confirmation note includes the step of outputting the confirmation note from a facsimile, and the step of transmitting the confirmation note via the TV terminal. And outputting the confirmation note by e-mail.

In the invention described in claim 8, in the invention described in claim 1, the step of receiving a request for payment by the debit card is performed by inserting the cash card into a terminal compatible with the debit card. Or
It is performed by inputting the number of the cash card on the TV terminal.

According to the ninth aspect of the present invention, there is provided a system for providing a TV commerce settlement agency service, wherein a digital broadcast TV terminal broadcasts merchandise / products broadcasted by the program.
Means for receiving a request for payment by a debit card using a cash card in the user's financial institution account in addition to the order of the user for the service, and the user based on the payment of the debit card requested by this means And means for prompting the TV terminal to confirm the debit performed by this means.

According to the tenth aspect of the present invention, the recording medium used in the system for providing a TV commerce settlement agency service is a digital broadcast TV terminal that allows a user to place an order for a merchandise / service broadcasted by the program. In addition, means for receiving a request for payment by a debit card using a cash card of the user's financial institution account, and payment from the user's financial institution account based on the payment of the debit card requested by this means. A program capable of executing means for performing a withdrawal and means for prompting confirmation of the withdrawal performed by the means from the TV terminal is recorded.

A computer used in a system for providing a TV commerce settlement agency service according to the invention of claim 11 includes a recording medium on which a program is recorded, and a processor for executing the program on the recording medium, wherein the recording medium is provided. Means for receiving, from a digital broadcasting TV terminal, a request for payment by a debit card using a cash card in a financial institution account of a user, in addition to a user's order for a seller's product / service broadcasted by the program Means for debiting the user's financial institution based on the payment of the debit card requested by this means, and confirming the debit performed by this means from the TV terminal. Means for prompting and a program capable of executing the program are recorded.

[0019]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, an embodiment of a method for providing a TV commerce settlement agency service according to the present invention, a system thereof, a recording medium on which a program used for these is recorded, and a computer will be described with reference to FIGS. explain.

FIG. 1 is a diagram for explaining an outline of a method for providing a TV commerce settlement agency service of the present invention and a network system NS having a server 1 capable of implementing the system. Network system N shown in FIG.
S is “content provider B1”, “broadcasting station B2”,
"Home C", "Debit card service provider related institution B"
3 "and a" response server company BB "which manages and operates the server 1 so as to be communicable via a network 2 such as a public line.

The "content providing company B1" includes various companies that can provide goods and services that can be sold and provided by TV commerce. The content providing company B1 includes a communication device connected to the network 2 as needed and an information processing system connected to the communication device.

The "broadcasting station B2" is equipped with a digital broadcasting system 10 for performing main broadcasting and data broadcasting by digital broadcasting such as CS, BS, terrestrial broadcasting, and CATV, and predetermined broadcasting facilities such as a broadcasting antenna 11. . These broadcasting facilities can digitally broadcast information on product sales or service provision by the content providing company B1 as a TV shopping program for TV commerce using a main broadcast or a data broadcast.

In the "home C", in this example, a receiving antenna 20 for receiving digital broadcasting such as CS, BS, and terrestrial broadcasting from the broadcasting station B2, and a digital TV (receiver) connected to the receiving antenna 20 21, a communication device 22 such as a modem connected to the TV 21, a printer 23 connected to the TV 21, and a dedicated debit card terminal 24 capable of using a predetermined debit card service by a user's cash card 24a. Is placed. Among these, for example, in the case of a dial-up connection, a device via a telephone line used for a fixed telephone and a device via a mobile phone using predetermined wireless communication such as Bluetooth can be used as the communication device 22. Printer 2
No. 3 can output a debit confirmation using a debit card via the TV 21 or the like.

As the debit card terminal 24, for example, existing terminal equipment corresponding to a debit card can be applied, and although not particularly shown in this example, for example, an insertion portion for inserting a cash card 24a into a predetermined device main body. A recognition unit that reads and recognizes the cash card number and the like inserted in the insertion unit, an input unit such as a keyboard that inputs necessary information such as a password of the cash card 24a, a number recognized by the recognition unit, and a number input by the input unit. It comprises a communication interface capable of outputting information such as a password to the outside, a control unit for controlling these operations, and a power supply unit. The debit card terminal 24 can be applied to any of the cash card 24a having a magnetic stripe portion and an IC card.
It is connected to a TV 21, from which information about the user's debit card can be transmitted via the communication device 22 and the network 2.

In this example, the digital TV 21 is CS, B
A storage type TV capable of receiving digital broadcasting such as S, terrestrial broadcasting, and CATV is applied. The TV 21 includes a dedicated adapter, a monitor, a recording medium such as a hard disk capable of storing received programs, a remote controller for various operations and settings, and a controller for controlling the overall operation of the TV 21 and the like. Have been. The digital TV 21 is not limited to this, and any digital broadcast such as CS, BS, terrestrial broadcasting, and CATV can be used as long as the digital TV 21 can receive digital broadcasting.

The home C also includes a personal computer (not shown) and a communication device therefor. This allows not only access to a Web site or the like on the Internet, but also debit card use by e-mail as needed. Confirmation letters can be sent and received.

[Debit card service providing related organization B]
In "3", a "user bank B31" for opening a user account (deposit account) and issuing a cash card 24a, and a transaction server for the response server company BB as a debit card dealer (member store) " Merchant bank B32 "and" settlement bank B33 "responsible for settlement between both banks B31 and B32.
"Clearing Center B34" and "CAFIS (Credit
and Finance Information
System: a shared use network (center provided by NTT DATA) center B35 ".

The user bank B31 manages a customer database and the like including a user account database 31 recording information on a debit card user's deposit account and the like by the processing of a predetermined information processing system 30 placed therein.
This allows the response server company BB to request the user to authenticate the use of the debit via the CAFIS center B35.
In addition to receiving the settlement information (account number, password, withdrawal amount, etc.), the settlement data required for the use of the debit is sent to the clearing center B34, and the settlement bank B33
Payment (payment of payment) and receipt of the commission, etc., and the authentication and settlement information is sent to the CAFIS center B3.
5 to the response server company BB.

The member store bank B32 manages a customer database and the like, including a member store account database 33 that records information on transaction accounts and the like of a debit card dealer by the processing of a predetermined information processing system 32 provided here.
As a result, payment to the settlement bank B33 (payment receipt)
And payment of the commission, etc., while depositing the response server company BB into the member store account and receiving the commission.

The settlement bank 33 processes the debit sales price from the user account to the user bank B31 based on the offset data from the clearing center B34 by the processing of the predetermined information processing system 34 placed here. While receiving and paying the commission, the merchant bank B32
Pays the debit sales price to the member store account and receives the commission. As a result, the money is withdrawn from the user account to the member store account.

The clearing center B34 performs the settlement of the settlement bank 33 to both the user and the member store banks B31 and 32 based on the settlement data from the user bank B31 by the processing of the predetermined host computer 35 placed here. The data is totaled, and the offset data is sent to the settlement bank 34.

The CAFIS center B35, by the processing of the predetermined communication device 37 and the host computer 36, places the authentication request / settlement information (account number, password, debit, etc.) of the user regarding the use of debit from the response server company BB. While receiving the payment amount, the result of the authentication from the user bank B31 and the settlement information such as the direct debit are sent to the response server company BB.

The "response server company BB" includes the server 1 and a communication device 3 connected to the server 1. The communication device 3 is connected to the network 2.

The server 1 is, for example, UNIX (registered trademark).
Computers such as servers, PC servers, and servers
Consists of machines. This machine includes various components mutually connected to a communication bus therein, that is, a CPU 4, a memory (ROM / RAM) 5, an interface (I / F) 6a for a recording medium, and a recording medium 6 such as a hard disk.
b, a monitor 7, an input device 8 such as a keyboard, a communication interface 9, and the like. Among them, the recording medium 6b
Various programs 40 (authentication program 41, matching program 42, payment agent program 43, etc.) and database 50 (customer database 51, member store bank database 52, etc.) which constitute the main part of each step and each means of the present invention are provided. ) Is implemented or constructed by the CPU 4 to be executable. The communication device 2 is connected to the communication I / F 9.

Here, the processing procedure of the network system NS of this embodiment will be described with reference to FIGS. 2 to 4, focusing on the processing by the server 1 of the response server company BB.

First, the content providing company B1 digitally broadcasts (main broadcast or data broadcast) the TV commerce content relating to the sale and provision of goods and services from the broadcast station B2 via the response server company BB (step St11). . The content for TV commerce is configured so that a payment method (a debit card or a credit card in this example) can be selected in advance when ordering a product or the like. This content is received by the receiving antenna 20 on the home C side and broadcast on the TV 21 (Step St12).

Consider a case where a viewer at home C orders a favorite product or the like from among the contents broadcast on TV 21 while watching the contents. An example of the shopping screen in this case is shown in FIG. On the screen shown in FIG. 3A, in addition to the ordered product (in this example, a wall clock) and its price (29,800 yen), either a debit card or a credit card is displayed as a selectable payment method. . In the case of payment by credit card, a known settlement method via the response server company BB can be applied as it is. Therefore, in the following description, the case where the payment method using the debit card is selected will be described.

That is, when a debit card is selected as a payment method by a user's click operation or the like on the screen of the TV 21 shown in FIG. 3A and the "application" button is clicked (Step St13),
Proceeding to the next screen, for example, a debit payment screen (debit service use screen) shown in FIG. The information on this screen is sent from the response service company BB, for example, in response to the selection of the debit card. In the example of this screen, in addition to the message that the same order item as above and its price and payment method is a debit card,
Cash card 24a to debit card terminal 24
And a box for inputting a password to be entered after the card is inserted.

While looking at this screen, the user inserts the cash card 24a into the debit card terminal 24, inputs the password, and clicks the "pay" button (Step St14).
In step 1, authentication request / payment information such as purchase product information, account number, password, amount information, etc. relating to the user's product order and payment of the debit card is sent to the response server company BB (step St15).

Therefore, the response server company BB executes the authentication program 4 by the processing of the CPU 4 in the server 1.
1. Matching program 42, settlement agent program 4
Then, after receiving the authentication request / settlement information (Step St16), the user is verified with reference to the information and the data in the customer database 51 (Step St17). The authentication request / payment information such as the debit amount, account number, and personal identification number is transferred to the CAFIS center B35 of the debit card service providing related organization B3.
The data is sent to each financial institution (user bank B31, member store bank 32, settlement bank 33) via the terminal (step St18). Here, in the response server company BB, at least the cash card number of the user and its password cannot be confirmed by a predetermined encryption technique for security reasons or the like. This is the same for the content providing company B1.

Debit card service providing related organization B3
Then, the processing of each financial institution B31-33 and the like is executed in a predetermined settlement procedure based on the mechanism of the existing debit card system described above. From the member store (response server company) account, and sends the authentication information and the settlement information to the response server company BB via the CAFIS center B35 (steps St17 to St22). The authentication information and the settlement information include information in the case where the user cannot be authenticated or the debit cannot be performed because the debit amount exceeds the balance of the user account. .

Next, in response server company BB, CAFIS center B3
Receiving the authentication information and the payment information from Step 5 (Step St)
23), and determines the approval result of the debit use based on the information (Step St24). Accordingly, in the case of NO, the authentication-impossible information is sent to the TV 21 of the home C (Step St25), whereas in the case of YES, the sales amount, the purchased merchandise information, the customer The order is confirmed with reference to the information (steps St27a and St27). Then, the debit data is sent to the TV 21 of the home C (Step St28), and the information is sent to the content company B1 with reference to the order receiving information and the delivery destination information (Steps St40, S40).
t41).

As a result, the TV 21 receives and displays the authentication failure information and the account debit data (Steps St26, St29, St30). Among them, FIG. 3C shows an example of a screen for displaying the debit data.

In the screen of the account debit confirmation shown in FIG. 3 (c), the purchased product (product name, amount), debit card account debit confirmation (financial institution name, account number, order number, use date, Usage time, withdrawal number) are displayed. By viewing this screen, the user can confirm that the debit card has been debited. If there is no problem with this content,
The "Confirm" button at the bottom of the screen is clicked by the user, and the screen advances to the next screen and prompts the user to specify the destination (including the transmission method, etc.) of the direct debit confirmation shown in FIG. Switch.

On the screen shown in FIG. 3 (d), the destination (user) T
In the case of outputting from the printer 23 connected to the V21, outputting from the FAX of the request destination, enclosing with the delivery product, registering e-mail of the request destination (e-mai
l) When sending to the address, the new e-mai of the request destination
A case where transmission is performed to the address 1 (there is an input field) is displayed.

While looking at this screen, the user selects a destination of the direct debit confirmation and clicks a "specify" button at the bottom of the screen (Step St31). The data is sent to the response server company BB (Step St32).

As a result, the response server company BB receives the data regarding the designation of the destination of the debit confirmation by the processing of the CPU 4 of the server 1 (step St5).
1), the data and the aforementioned order confirmation (step St2)
With reference to the settlement information used in the process of 7) (Step St)
50), it is determined whether or not there is a request for enclosing a withdrawal confirmation (Step St51). If YES (with enclosing request), the data of the withdrawal confirmation is output and sent to the content company (Step St52). ). In the case of NO (no enclosed request), one of the printer output, FAX output, and e-mail transmission of the request destination is specified, so the debit confirmation confirmation is sent using the transmission means according to the specification. Is transmitted to home C (step St60).

As a result, the content company B1 receives the order information and the delivery destination information from the response server company BB (Step St42), and arranges the delivery of the purchased merchandise based on the information. If there is a confirmation letter enclosing request, the data is enclosed with the purchased product and delivered to the user or the like (Step St43).

When the user at home C specifies a destination other than the enclosed request for the debit confirmation, the debit confirmation data from the response server company BB is received in accordance with the destination specification ( Step S61), output from a facsimile (step St62), reception by e-mail (step St63), or output from the printer 23 via the TV 21 (step St64). In addition, when an enclosing request for a debit confirmation is designated, an account debit confirmation is received together with the purchased merchandise (Step St44).

Then, the response server company BB refers to the settlement information at the time of confirming the order, and pays for the settlement agency to the content company B1 (Step St70), whereby the payment of the content company B1 is completed (Step St70). Step S
t71). FIG. 4 shows the outline of the digital commerce TV commerce settlement agency service according to the present embodiment.

Therefore, according to the present embodiment, the merchandise / service to be settled by TV commerce, the name of the store, the price, and the like are included in the existing debit card service while maximizing the advantages of the digitalization of TV broadcasting. It can be linked to a payment system, and thereby, a TV commerce payment agency service for performing payment in sales of goods and services provided by TV commerce can be provided.

According to this, the user can use the existing cash card to pay for TV commerce without any special procedure, so that the convenience of settlement in TV commerce is greatly improved. In addition, the debit card service is designed to be debited from the financial institution account at the same time as the purchase, so you can shop with confidence within the range of the deposit balance. In addition, there is an advantage that a content providing company, which is a TV commerce product / service provider, can safely, securely and efficiently collect payments during settlement.

In this example, a response server company is assumed as a debit card dealer (member store). However, it is of course applicable to a case where a content provider company is registered in advance as a member store. FIG. 5 shows a schematic diagram in this case. Here, it is assumed that the content providing company B1 has previously applied for and registered as a member store of the debit card service. In this case, the member store account of the member store bank B32 includes the transaction account of the content providing company B1. As a result, it is possible to withdraw money from the user account to the member store account of the content providing company B1 (see the arrow between the member store bank B32 and the content providing company B1 in the figure).

In this example, a method of inserting a cash card when ordering a product or service and requesting authentication thereof has been described. However, the present invention is not limited to this. For example, FIG.
Also, as shown in FIG. 5, a method of inputting a user ID and a password of a cash card on the TV terminal 21 at the time of an authentication request can be applied.

[0055]

As described above, according to the present invention,
A method of providing a TV commerce settlement agency service as a digital broadcasting application / application technology that can be developed into business from the needs of both businesses and consumers while maximizing the advantages of the digitalization of TV broadcasting. A system, a recording medium on which a program used in the system is recorded, and a computer can be provided.

As a result, the user can pay TV commerce using the existing cash card without any special procedure, thereby greatly improving the convenience of settlement in TV commerce. In addition, the debit card service is designed to be debited from the financial institution account at the same time as the purchase, so you can shop with confidence within the range of the deposit balance. In addition, there is an advantage that a content providing company, which is a TV commerce product / service provider, can safely, securely and efficiently collect payments during settlement.

[Brief description of the drawings]

FIG. 1 is a schematic configuration diagram showing a method of providing a TV commerce settlement agency service according to the present invention, a system thereof, a recording medium recording a program used in the system, and a network system as an embodiment of a computer.

FIG. 2 is a diagram illustrating a processing procedure of the network system.

FIGS. 3A to 3C are diagrams illustrating screen examples on a TV terminal used in a TV commerce settlement agency service.

FIG. 4 is a schematic diagram of a network system.

FIG. 5 is a diagram illustrating an outline of a case where a content providing company has been pre-registered as a member store (debit card store);

[Explanation of symbols]

BB Response server company B1 Content provider company B2 Broadcasting station B3 Debit card service providing related organization B31 User bank B32 Merchant bank B33 Settlement bank B34 Clearing center B35 CAFIS center C Home 1 Server 2 Network 3 Communication device for server 4 CPU Reference Signs List 5 Memory (ROM / RAM) 6a Recording medium interface (I / F) 6b Recording medium 7 Monitor 8 Input device 9 Communication interface (I / F) 10 Digital broadcasting system 11 Broadcast antenna 20 Receiving antenna 21 Digital TV 22 Digital TV communication device 23 Printer 24 Debit card terminal 24a Cash card (used as debit card) 30 User bank side information processing system 31 User account database 32 Membership Store bank information processing system 33 Merchant account database 34 Payment bank information processing system 35 Host computer for clearing center 36 Host computer for CAFIS center 37 Communication device (CAFIS center) 40 Program 41 Authentication program 42 Matching program 43 Payment agency program 50 Database 51 Customer Database 52 Merchant Bank Database

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07F 7/08 G07F 7/08 S (72) Inventor Takahiro Mitsui 1 Toshiba-cho, Fuchu-shi, Tokyo Toshiba Corporation Inside the Fuchu Office (72) Kazuhide Sato 1 Toshiba-cho, Fuchu-shi, Tokyo Toshiba Corporation Inside the Fuchu Office (72) Keishi Azuma 1-9-19-1 Kaigan, Minato-ku, Tokyo RIC Co., Ltd. (72) Inventor Yukinobu Nishikawa 66-2 Horikawa-cho, Saiwai-ku, Kawasaki-shi, Kanagawa F-term (reference) 3E044 AA20 CA10 DE01 5B049 AA02 BB11 CC05 CC10 CC39 DD01 DD04 FF01 GG02 5B055 CB00 CB09

Claims (11)

[Claims] Claims 1. In addition to a user's order for a seller's product / service broadcasted by a program from a digital broadcast TV terminal, a request for payment by a debit card using a cash card in a financial institution account of the user. Receiving the request, debiting the user from the financial institution account based on the payment of the requested debit card, and confirming the debit performed by the TV terminal. A method of providing a TV commerce settlement agency service. 2. The TV commerce settlement agency service according to claim 1, further comprising a step of notifying the seller of order information of goods and services from the user after the withdrawal of the money. How to provide. 3. The method according to claim 1, wherein the step of debiting the user from the financial institution account comprises the step of: setting up the debit card as a member store of the debit card from the user's financial institution account. A method for providing a TV commerce payment service, comprising the steps of causing a payment to be made to a financial institution account of a third party and causing the payment agent to make a payment to the seller. 4. The invention according to claim 1, wherein the step of debiting the user from the account of the financial institution is performed when the seller has previously been registered as a member store of the debit card. A method for providing a TV commerce settlement proxy service, comprising the step of debiting the user's financial institution account to the seller's financial institution account. 5. The invention according to claim 1, wherein the step of causing the TV terminal to perform the confirmation of the debit is enclosed when the goods ordered by the user are delivered. A method of providing a TV commerce settlement agency service, comprising the step of sending a payment. 6. The invention according to claim 1, wherein the step of prompting the confirmation of the debit from the TV terminal includes a step of electronically delivering the debit confirmation. A method of providing a TV commerce settlement agency service. 7. The method according to claim 6, wherein the step of electronically delivering the confirmation note includes a step of outputting the confirmation note from a facsimile and a step of outputting the confirmation note from a printer via the TV terminal. When,
Sending the confirmation note by e-mail. 8. The invention according to claim 1, wherein the step of receiving a request for payment by the debit card is performed by inserting the cash card into a terminal corresponding to the debit card or on the TV terminal. A method of providing a TV commerce settlement agency service, wherein the method is performed by inputting the number of the cash card. 9. A request from a digital broadcast TV terminal for payment by a debit card using a cash card in a financial institution account of a user, in addition to a user order for a product / service of a seller broadcasted by the program. Receiving means, means for performing a debit from the financial institution account of the user based on the payment of the debit card requested by this means, and confirmation of the debit performed by this means. A system for providing a TV commerce settlement agency service, comprising: means for prompting from a TV terminal. 10. A request for payment by a debit card using a cash card in a financial institution account of a user from a digital broadcast TV terminal in addition to a user order for a seller's product / service broadcasted by the program. Receiving means, means for performing a debit from the financial institution account of the user based on the payment of the debit card requested by this means, and confirmation of the debit performed by this means. A recording medium used in a system for providing a TV commerce settlement agency service, characterized by recording a program for executing a request from a TV terminal and an executable program. 11. A recording medium on which a program is recorded, and a processor for executing the program on the recording medium, wherein the recording medium is a product / service of a seller broadcasted by a digital broadcast TV terminal on the program. Means for receiving a request for payment by a debit card using a cash card in the account of the user's financial institution, in addition to the order of the user for the user, and based on the payment of the debit card requested by this means, It is characterized by recording a program capable of executing means for performing a debit from a financial institution account, and means for prompting confirmation of the debit performed by this means from the TV terminal. A computer used in a system that provides a TV commerce settlement agency service.