JP2002042039A - Settlement means changing method, settlement means changing server, and settlement means changing system - Google Patents

Abstract

PROBLEM TO BE SOLVED: To provide a settlement means changing method, a settlement means changing server and a settlement means changing system that can receive fee in a convenience store and the like even if a transfer from a financial institution such as a bank is specified as a means of settlement, and thus excellent in convenience. SOLUTION: When a user terminal 10 transmits information on a transfer to a bank account A as a destination of transfer to a settlement means changing server 12 via the Internet 18, the settlement means changing server 12 gives a reception number to the transfer information and stores the reception number and the transfer information in an interrelated form, and also generates receiving data including transferred amount information and the reception number and transmits the receiving data to the user terminal 10. When fee receiving is made from a convenience store POS terminal 14 according to the receiving data, the POS terminal 14 transmits the receiving data to the settlement means changing server 12, which in turn reads out the transfer information on the basis of the reception number included in the receiving data and, according to the transfer information, requests of a bank host computer 16 a transfer from a bank account B with the payment amount received to the bank account A.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a method for converting payment means,
A payment means conversion server and a payment method conversion system, and in particular, a payment method conversion method capable of performing payment with cash at a convenience store (hereinafter referred to as a convenience store) even when bank transfer is designated as a payment method, The present invention relates to a settlement unit conversion server and a settlement unit conversion system.

[0002]

2. Description of the Related Art With the spread of the Internet, the online shopping market is rapidly expanding. Conventionally, payment for this online shopping has generally been made with a credit card. Recently, a service has been started to provide a storage service at a convenience store or the like where a contract has been made with an online shop, using a payment slip issued by the online shop.

[0003]

However, in a small shop such as an online shop operated by an individual,
In many cases, bank transfer is specified as a settlement method. This is because when you specify a bank transfer, the procedure is simple and you only need to display the number of the bank account to which the fee is to be transferred on the screen, but from the perspective of online shopping users, There is a problem that it is inconvenient to go to a place where a bank ATM is located.

In recent years, there has been an attempt to install a bank ATM in a convenience store that is open 24 hours a day. However, there is a problem that it is difficult to spread the ATM due to a large capital investment burden of the convenience store and the bank.

[0005] Further, the settlement service at a convenience store can be used only when shopping at an online shop with a specific contract, and when shopping at an online shop without a specific contract. There was a problem that payment services at convenience stores were not available. Also, from the viewpoint of online shops, small shops often do not meet the prescribed contract conditions,
There was a problem that it was not possible to outsource storage to a convenience store.

[0006] The present invention has been made in view of the above-mentioned problems of the prior art, and an object of the present invention is to provide a convenience store and the like even when a transfer at a financial institution such as a bank is designated as a settlement means. It is an object of the present invention to provide a settlement means conversion method, a settlement means conversion server, and a settlement means conversion system which can store charges and are excellent in convenience.

[0007]

According to a first aspect of the present invention, there is provided a method for converting payment means, comprising the steps of: transmitting a payment from a customer terminal to a payment means conversion server via a network to a financial institution account including transfer amount information; The payment means conversion server transmits identification information to the transfer information, stores the identification information and the transfer information in association with each other, and stores the transfer amount information and the identification information in the payment means conversion server. It generates storage data including the storage data, determines whether or not the charge storage has been performed at the store terminal based on the storage data, and if the charge storage has been performed, transmits the storage data from the store terminal to the settlement means conversion server. The settlement means conversion server reads the transfer information based on the identification information included in the stored data, and transfers the transfer information to a financial institution account based on the read transfer information. Characterized in that it request the transfer.

[0008] The settlement means conversion server according to claim 2 is
Receiving transfer information to the financial institution account including the transfer amount information from the customer terminal via the network, adding identification information to the transfer information, and storing the identification information and the transfer information in association with each other, Generating storage data including the transfer amount information and the identification information, receiving the storage data when the charge is stored in the store terminal based on the storage data, based on the identification information included in the storage data The transfer information is read, and a transfer to a financial institution account is requested based on the read transfer information.

According to a third aspect of the present invention, there is provided a settlement means conversion system comprising: a settlement means conversion server connected to a settlement server and a store terminal; and a customer terminal connected to the settlement means conversion server via a network. A payment means conversion system, comprising transmitting transfer information to a financial institution account including transfer amount information from a customer terminal to a payment means conversion server via a network, and using the payment means conversion server to provide identification information to the transfer information. And stores the identification information and the transfer information in association with each other, generates storage data including the transfer amount information and the identification information, and determines whether or not the charge has been stored in the store terminal based on the storage data. It is determined whether or not the payment is stored, and if the charge is stored, the store data is transmitted from the store terminal to the payment means conversion server, and the payment means conversion server In, reading the transfer information based on the identification information included in the receiving data, wherein the requesting transfer to the financial institution account based on the read transfer information.

In the present invention, the transfer information to the financial institution account including the transfer amount information is transmitted from the customer terminal to the settlement means conversion server via the network, and the settlement means conversion server adds identification information to the transfer information. Grant
The identification information and the transfer information are stored in association with each other, and storage data including the transfer amount information and the identification information is generated, so that the customer stores the charge in a store such as a convenience store based on the storage data. Can be convenient.

Then, it is determined whether or not the charge has been stored in the store terminal based on the stored data, and if the charge has been stored, the stored data is transmitted from the store terminal to the settlement means conversion server, and the settlement is performed. In the means conversion server, the transfer information is read based on the identification information included in the storage data, and a request is made to transfer to a financial institution account based on the read transfer information. Transfer processing is performed in the same way as when payment is made, and online shops that specify transfer at financial institutions such as banks as payment means do not need to perform the procedures for converting payment methods, and capital investment, etc. There is no burden. Also, a bank or the like as a settlement institution can accept a transfer outside business hours without making capital investment for installing an ATM in a convenience store, and can expect an increase in income due to a transfer fee.

The financial institution referred to here is an institution that can prepare a transfer account and request a transfer to the account, such as a city bank, a regional bank, a second regional bank, a trust bank, and a credit union. , Credit unions, etc. are included. However, the financial institution that prepares the transfer account and the financial institution that requests the transfer need not be the same institution.

[0013]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram of a payment means conversion method, a payment means conversion server, and a payment means conversion system according to an embodiment of the present invention;

In this embodiment, when the online shop specifies bank transfer as the settlement method, the payment method conversion method of the present invention is applied to store the charges in the convenience store.

FIG. 1 shows a schematic configuration of a settlement means conversion system according to the present embodiment. As shown in FIG. 1, this payment system includes a plurality of user terminals (only one user terminal is shown in the figure) 10 functioning as a client, a payment means conversion server 12 for converting payment means, and a convenience store for storing. POS terminal 1 installed in the store
4, and a host computer 16 of a bank as a financial institution
It has. The user terminal 10 has a web browser installed therein, and can be connected to the settlement means conversion server 12 and shop servers 20 of a number of online shops on the Internet 18 via the Internet 18. Further, the settlement means conversion server 12 is connected to a POS terminal 14 located at each convenience store via a communication line 22, and is also connected to a bank host computer 16 via a dedicated line 24. ing. The settlement means conversion server 12 and the POS
The terminal 14 may be connected via another service server such as a convenience store VAN.

The user terminal 10 is a personal computer owned by a user who uses online shopping.
Are connected as output devices.

As shown in FIG. 2, the settlement means conversion server 12 includes a transmission / reception unit 28 for transmitting and receiving data, a memory 30 for storing input transfer information, and a transfer unit 28 connected to each other via a bus. A data generating unit 32 for generating data to be printed on a storage slip, and a control unit 34 for controlling each unit.

The POS terminal 14 is a POS system terminal that is usually used in a convenience store or the like for sales management and inventory management, and has a bar code reader.

Next, an outline of the processing operation of the settlement means conversion server in the settlement means conversion system will be described with reference to the flowchart shown in FIG.

The settlement means conversion server 12 is a user terminal 1
0 or waiting for access from the POS terminal 14. If it is determined in step 100 that there has been access from the user terminal 10, then in step 102, the user who has accessed the service Check if you are a registered user. If the accessed user is not a registered user, the homepage of the settlement means conversion service is displayed on the www browser of the user terminal 10 in step 106. A link from this home page to a registration screen is provided. When a user who wishes to newly register selects a link to the registration screen, a registration screen (FIG. 4) for performing a user registration process is displayed.

If the accessed user is a registered user, a convenience store payment screen (FIG. 5) for performing payment means conversion processing is displayed on the www browser of the user terminal 10 in step 104. Also, at step 100, the P
If there is access from the OS terminal 14, it is checked in step 108 whether or not the storage information has been received from the POS terminal 14. If the storage information has been received, the next step 1 is executed.
At 10, a transfer request processing to the bank host computer 16 is performed.

The user registration process performed in step 106 will be described in detail with reference to the flowchart shown in FIG. First, in step 200, when the registration screen shown in FIG. 4 is displayed, the user inputs predetermined registration information such as an address and a name, and transmits the information to the settlement means conversion server 12. Payment means conversion server 12 which received the registration information in step 202
Performs user registration in step 204 and step 20
In step 6, a conversion module, which is a conversion program, is transmitted.
This module activates a shortcut for displaying a convenience store payment screen and automatically inputs an account number or the like on the convenience store payment screen when an account number or the like is selected in advance on the web. By downloading this module, the user can display a shortcut to the convenience store payment screen shown in FIG. 7 by right-clicking on the screen of the online shop, for example. Note that the user may directly input an account number or the like without using the automatic input function by the module. Further, the user may directly access the homepage without using the shortcut function by the module.

Next, the settlement means conversion processing performed in step 104 will be described in detail with reference to the flowchart shown in FIG. When a user makes a purchase at an online shop that specifies bank transfer as a payment method, the bank name, branch name, account type (normal / checking), and account number of the bank account A (financial institution account) of the transfer destination on the web When a transfer amount is selected and a link to a convenience store payment screen is made, a convenience store payment screen for performing a payment means conversion process is displayed on the www browser of the user terminal 10 in step 300.
In this screen, the transfer information such as the account number of the bank account A of the transfer destination and the transfer amount is embedded and displayed by the processing operation of the module. The transfer information is transmitted to the settlement means conversion server 12 at the same time, and the settlement means conversion server 12 receiving the transfer information calculates the transfer fee and the payment amount obtained by adding the transfer fee to the transfer amount, and transmits the data to the user terminal 10. Send. Thereby, the user terminal 10
The transfer fee and the payment amount are displayed together with the transfer information such as the account number of the transfer destination bank account A and the transfer amount (FIG. 5).

The user confirms the payment amount and checks the O
When the K button is clicked, the input transfer information and the like are transmitted to the settlement means conversion server 12. Upon receiving the transfer information in step 302, the settlement means conversion server 12 proceeds to step 304 where the bank host computer 1
Inquire at 6 whether the bank account number of the transfer destination is registered.

When it is confirmed in step 306 that the bank account number of the transfer destination is registered, the settlement means conversion server 12 assigns a receipt number as identification information to the transfer information input in step 308, and The information and the reception number are stored in the memory 30 in association with each other. Step 310
Then, the data generation unit 32 generates storage data including the transfer amount information and the receipt number, and transmits the storage data generated in step 312 to the user terminal 10. on the other hand,
If registration cannot be confirmed in step 306, an error screen is displayed in step 314 to prompt the user to re-enter.

The user prints the storage data received at the user terminal 10 with the printer 26 to obtain a storage slip.
Barcode data that can be read by the POS terminal 14 installed at the convenience store is printed on the storage slip,
The user can bring the storage slip to a convenience store and pay the fee. The fee to be paid includes the transfer fee. At the convenience store, the bar code data is read by the POS terminal 14, and the stored data is stored in the communication line 2.
2 to the settlement means conversion server 12 via This confirms that the fee has been stored. On the other hand, the fee stored at the convenience store is transferred to the bank account B as a transfer source at the convenience store.

Next, the transfer request processing performed in step 110 will be described in detail with reference to the flowchart shown in FIG. When the stored data is received from the POS terminal 14, in step 400, the settlement means conversion server 12 reads the transfer information corresponding to the receipt number included in the stored data from the memory 30, and in step 402, the transfer source bank account A transfer request specifying B, transferee's name C, transfer destination bank account A, and transfer amount (Y yen) is transmitted to the host computer 16 of the bank via the dedicated line 24. Upon receiving the transfer request, the bank host computer 16 receives the transfer request, and based on the request content, the bank account B in the name of C.
Transfer Y yen to bank account A, and debit the transfer fee from bank account B. This completes the payment of the online shopping fee.

As described above, in this embodiment, the user can output a storage slip from the storage data transmitted to the user terminal, and based on this storage slip, it is possible to store the fee in a convenience store. It is very convenient because it can be done. Also, in this case, the transfer process is performed in the same manner as when the user makes a direct transfer to the bank account of the online shop, so that the online shop does not need to perform the procedure for changing the settlement method, and capital investment is not required. There is no burden. In addition, the bank, which is the settlement institution, does not make capital investment such as installing an ATM in a convenience store,
Transfers outside business hours can now be accepted, and an increase in income from transfer fees can be expected.

In the above description, an example has been described in which the user directly outputs a storage slip from a printer connected to the user terminal. However, the output is performed by a printer on the settlement means conversion server side and sent by mail or courier service or the like as desired by the user. You may make it. In the above description, an example in which payment for online shopping is performed has been described. However, in any case where bank transfer is specified as a payment means, the present invention can be applied to convert the payment method.

Further, in the above, the transfer request is transmitted from the settlement means conversion server to the host computer of the bank, which is a financial institution, via a dedicated line, and a transfer is made from a predetermined bank account to the transfer destination bank account (account transfer). Although the example has been described, a transfer request such as a telephone call or a window request can be made by another method, and the deposit method need not be limited to account transfer, but can be transferred from a cash pool means that can be handled by a financial institution such as a bank. . For example, the cash may be brought to a bank counter and requested to be transferred to a transfer destination bank account.

In the above description, an example is described in which a POS terminal is placed in a convenience store, the stored data is configured as barcode data that can be read by the POS terminal, and a storage tag printed with a barcode is output and used. However, the store terminal arranged in a store such as a convenience store that performs a storage agent may be a multimedia terminal or the like, and the storage data may be data for storing charges and may be readable by the store terminal, Other data formats can be used depending on the function of the store terminal.

[0032]

The settlement means conversion method, settlement means conversion server, and settlement means conversion system of the present invention can conveniently store charges in a convenience store or the like even when bank transfer is designated as the settlement means. Excellent in nature,
This has the effect.

[Brief description of the drawings]

FIG. 1 is a block diagram illustrating a configuration of a settlement unit conversion system according to an embodiment.

FIG. 2 is a block diagram illustrating a configuration of a settlement unit conversion server according to the present embodiment.

FIG. 3 is a flowchart showing an outline of a processing operation of a settlement means conversion server.

FIG. 4 is a diagram showing a registration screen for performing a user registration process.

FIG. 5 is a diagram showing a convenience store payment screen for performing a payment means conversion process.

FIG. 6 is a flowchart illustrating a detailed operation of a user registration process.

FIG. 7 is a diagram showing a shortcut to a convenience store payment screen displayed on the screen of the online shop.

FIG. 8 is a flowchart showing a detailed operation of a settlement unit conversion process.

FIG. 9 is a flowchart illustrating a detailed operation of a transfer request process.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 10 User terminal 12 Payment means conversion server 14 POS terminal 16 Bank host computer 18 Internet 20 Shop server 22 Communication line 24 Dedicated line 26 Printer 28 Transmission / reception unit 30 Memory 32 Data generation unit 34 Control unit

──────────────────────────────────────────────────の Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G07G 1/00 311 G07G 1/12 321Z 1/12 321 G07D 9/00 476 F-term (Reference) 3E040 AA01 BA18 CA14 CB01 EA01 FJ04 FK04 3E042 AA01 CC09 CC10 EA01 5B049 CC36 DD01 EE05 FF01 GG01 GG02 5B055 BB10 CB09 CB10

Claims (3)

[Claims] 1. A payment information including a transfer amount information to a financial institution account is transmitted from a customer terminal to a settlement means conversion server via a network, and the settlement means conversion server assigns identification information to the transfer information. Storing the identification information and the transfer information in association with each other, generating storage data including the transfer amount information and the identification information, and determining whether or not a charge has been stored in the store terminal based on the storage data. Judgment, when the fee is stored, the storage data is transmitted from the store terminal to the settlement means conversion server, and the payment information is converted by the settlement means conversion server based on the identification information included in the storage data. A payment method conversion method that reads out and requests a transfer to a financial institution account based on the read out transfer information. 2. Receiving transfer information to a financial institution account including transfer amount information from a customer terminal via a network,
Assigning identification information to the transfer information, and storing the identification information and the transfer information in association with each other, generating storage data including the transfer amount information and the identification information,
When the charge is stored in the store terminal based on the storage data, the storage data is received, and the transfer information is read based on the identification information included in the storage data,
A settlement means conversion server that requests a transfer to a financial institution account based on the read transfer information. 3. A payment means conversion system comprising: a payment means conversion server connected to a payment server and a store terminal; and a customer terminal connected to the payment means conversion server via a network. From the transfer means to the settlement means conversion server via a network to send the transfer information to the financial institution account including the transfer amount information, the payment means conversion server, by giving the transfer information identification information, the identification information and the transfer In addition to storing the information and the storage information, the storage data including the transfer amount information and the identification information is generated. Based on the storage data, it is determined whether or not the charge has been stored in the store terminal. In this case, the store data is transmitted from the store terminal to the settlement means conversion server, and the identification information included in the storage data is transmitted to the settlement means conversion server. A payment means conversion system for reading the transfer information based on the transfer information and requesting a transfer to a financial institution account based on the read transfer information.