JP2002133348A - Settlement system, transaction information acquiring device, settlement acceptance device, settlement method and storing medium - Google Patents

Abstract

PROBLEM TO BE SOLVED: To speedily and easily carrying out settlement in mail-order and the like. SOLUTION: In a settlement system 1, when a user of a terminal device 30 orders goods to a goods selling server 10 via the Internet, necessary information on transfer 5b is sent from the goods selling server 10 to a settlement server 20, in which a dedicated Web page (settlement page 5h) for transferring the price of the goods is prepared. Therefore, a purchaser of the goods (the user of the terminal device 30) can easily perform the transfer for the goods by accessing the settlement page 5h without inputting a bank account number to be transferred or the like.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment system, a transaction information acquisition device, a payment receiving device, a payment method, and a storage medium for performing settlement of a commercial transaction using information communication in a network.

[0002]

2. Description of the Related Art Conventionally, various settlement methods have been used in shopping using a network such as the Internet or personal computer communication or mail-order sales through a television. Among these settlement methods, those mainly used include settlement by credit card, settlement by bank transfer or postal transfer.

[0003] Payment with a credit card requires a complicated process of authenticating whether or not the credit card is used by a legitimate user, and a relatively high commission is paid from a seller to a credit card company. There's a problem. In addition, although settlement by bank transfer or postal transfer can be easily performed by anyone and the fee is relatively low, there is a problem that the purchaser of the product or the like needs to go to a bank or a post office.

On the other hand, in recent years, on the Internet and the like,
2. Description of the Related Art Bank services (hereinafter, referred to as "net banking") on a network using a mobile phone, a PC (Personal Computer), and the like are provided. In principle, this internet banking can receive services such as balance inquiry and transfer at any desired time. Also, when making a transfer using online banking, banks set the transfer fee to be extremely low or free. Furthermore, when using Internet banking, there is no need for the user to go to a bank or the like, so that there are various advantages such as high convenience for the user and low costs required for bank transfer and the like for the bank.

[0005] Therefore, as a settlement method, bank transfer or the like using internet banking has become useful. In the case of receiving a product purchase or service provision by settlement by bank transfer using this internet banking, the following procedure is performed. First, a purchaser or the like of a product, that is, a customer, voluntarily transfers the price from his / her own bank account to a transfer destination bank account designated by a seller of the product or the like using Internet banking. Next, the seller sends the product after confirming the transfer.

[0006]

However, in the conventional settlement method as described above, the purchaser of the product etc.
There is a problem in that a complicated transfer procedure (such as inputting necessary items on an Internet banking homepage or the like) must be performed. In addition, since the merchandise is shipped after the seller confirms that the money has been transferred, there has been a problem that it takes a considerable time until the merchandise reaches the buyer.

[0007] An object of the present invention is to make settlement in mail order and the like quickly and easily.

[0008]

In order to solve the above-mentioned problems, an invention according to claim 1 is a settlement system for performing settlement of a commercial transaction using information communication in a network. And a transaction information acquisition unit (for example, the commodity sales server 10 in FIG. 1) for acquiring transaction information (for example, the transfer necessary information 5b in FIG. 6) relating to the commercial transaction, based on the transaction information. In order to accept the settlement of a commercial transaction via a network, settlement accepting data (for example, FIG.
(For example, the settlement server 20 in FIG. 1) for creating the settlement page, the settlement acceptance data creating unit, when the settlement of the commercial transaction is instructed by the customer, The commercial transaction is settled based on the settlement acceptance data.

The invention according to claim 23 is a settlement method for performing settlement of a commercial transaction using information communication in a network, and acquires transaction information on the commercial transaction in response to a commercial transaction between a customer and a trader. Transaction information acquiring step, and, based on the transaction information, accepting the settlement of the commercial transaction via a network.
And a settlement acceptance data creating step of creating settlement acceptance data corresponding to one-to-one. If the customer instructs settlement of the commercial transaction, settlement of the commercial transaction is performed based on the settlement acceptance data.

According to the inventions set forth in claims 1 and 23, the settlement acceptance data corresponding to each commercial transaction is created one-to-one, so that the customer can perform complicated procedures (name, account number, etc.) upon settlement. There is no need to input and payment can be made easily. The invention according to claim 2 is the settlement system according to claim 1, wherein the transaction information acquisition unit acquires the transaction information via the network.

The invention according to claim 24 is the same as the claim 2
3. The settlement method according to 3, wherein in the transaction information acquiring step, the transaction information is acquired via the network. According to the second and twenty-fourth aspects of the invention, the transaction information acquisition means can acquire transaction information relating to a commercial transaction conducted via the network.

The invention described in claim 3 is the first or second invention.
The payment system according to claim 1, wherein the payment reception data creating unit creates the payment reception data,
It is characterized in that a payment confirmation notice (for example, a confirmation mail 5d in FIG. 6) indicating payment contents is transmitted to a predetermined terminal device.

The invention according to claim 25 is the second invention.
25. The settlement method according to 3 or 24, wherein, in the settlement acceptance data creating step, when the settlement acceptance data is created, a step of transmitting a settlement confirmation notification indicating a settlement content related to the settlement acceptance data to a predetermined terminal device. Further included.

According to the third and twenty-fifth aspects of the present invention, the settlement confirmation notification is transmitted to the predetermined terminal device, so that the customer is immediately notified that the settlement can be accepted. Further, by transmitting the payment confirmation notification, the customer is prompted to execute the payment, and the payment is quickly performed. The invention according to a fourth aspect is the settlement system according to the first or second aspect, wherein the settlement acceptance data creating means indicates that the creation of the settlement acceptance data is completed when the settlement acceptance data is created. A creation completion signal (for example, the completion / URL notification 5c in FIG. 6) is transmitted, and the transaction information acquisition unit transmits a payment confirmation notification indicating the payment content to a predetermined terminal device based on the creation completion signal. It is characterized by:

According to the fourth aspect of the present invention, since the creation completion signal is transmitted to the transaction information acquisition means, the transaction information acquisition means can grasp that the creation of the settlement acceptance data has been completed. Further, since the settlement information is transmitted from the transaction information acquisition unit to the predetermined terminal device, the customer is immediately notified that the settlement can be accepted. The invention according to claim 5 is the settlement system according to claim 3 or 4, wherein the settlement confirmation notice includes access information for accessing the settlement acceptance data via a network (for example, the completion information in FIG. 6). / URL notification 5c).

The invention according to claim 26 is based on claim 2
6. The settlement method according to 5, wherein the settlement confirmation notification includes access information for accessing the settlement acceptance data via a network. According to the inventions set forth in claims 5 and 26, the access information is included in the payment confirmation notification, so that the customer can easily know the access destination of the payment acceptance data.

According to a sixth aspect of the present invention, in the settlement system according to the fifth aspect, when the predetermined terminal device receives the settlement confirmation notice, the predetermined terminal device transmits the settlement acceptance data based on the access information. It is characterized in that it can be accessed via the network and electronic payment of commercial transactions relating to the payment acceptance data is possible.

The invention according to claim 27 is based on claim 2
6. The payment method according to 6, wherein, when the predetermined terminal device receives the payment confirmation notification, the predetermined terminal device can access the payment reception data via the network based on the access information. Electronic settlement of such commerce is possible.

According to the inventions set forth in claims 6 and 27, the customer can access the payment acceptance data based on the access information, so that the customer can make payment quickly and easily. According to a seventh aspect of the present invention, in the payment system according to the sixth aspect, the payment reception data creating unit is configured to execute the electronic payment according to the payment reception data,
It is characterized in that a settlement completion signal (for example, the transfer report 5j in FIG. 6) indicating the completion of settlement is transmitted to the transaction information acquisition means.

According to the seventh aspect of the present invention, since the settlement completion signal is transmitted, the transaction information obtaining means can grasp that the settlement is completed. The invention according to claim 8 is
8. The settlement system according to claim 3, wherein the predetermined terminal device is a terminal device that has input the transaction information.

The invention according to claim 28 is the second invention.
28. The settlement method according to any one of 5 to 27, wherein the predetermined terminal device is a terminal device that has input the transaction information. According to the invention described in claims 8 and 28,
Since the payment confirmation notification is transmitted to the terminal device that has performed the commercial transaction, the customer is more quickly notified of the details of the payment after the commercial transaction.

According to a ninth aspect of the present invention, in the settlement system according to any one of the first to eighth aspects, the transaction information obtaining means is realized by a seller of a product related to the commercial transaction. And The invention according to claim 29 is the settlement method according to any one of claims 21 to 28, wherein the transaction information obtaining step is performed by a seller of a product related to the commercial transaction.

According to the ninth and twenty-ninth aspects of the present invention, transaction information in a commercial transaction can be easily obtained. A tenth aspect of the present invention is the settlement system according to any one of the first to ninth aspects, wherein the settlement acceptance data creating unit is realized by a financial institution that performs settlement of the commercial transaction. .

Further, the invention according to claim 30 provides the invention according to claim 2.
30. The settlement method according to any one of 1 to 29, wherein the settlement acceptance data creating step is realized by a financial institution that performs settlement of the commercial transaction. According to the tenth and thirty-third aspects of the present invention, in the financial institution, the settlement acceptance data is quickly created according to the business transaction between the customer and the trader, so that the settlement can be performed more quickly.

According to an eleventh aspect of the present invention, there is provided a transaction information acquiring apparatus for a settlement system for performing settlement of a commercial transaction by utilizing information communication in a network, wherein the transaction information acquiring apparatus responds to a commercial transaction between a customer and a trader. And acquiring the transaction information to an external device for receiving payment from the customer via the network.

[0026] The invention according to claim 31 is a storage medium storing a computer-executable program for a payment system for performing payment of a commercial transaction using information communication in a network, wherein the storage medium stores a program for a customer and a trader. In response to the commercial transaction, the computer acquires program information related to the commercial transaction, and stores a computer-executable program code for transmitting the transaction information via the network to an external device for accepting payment from the customer. It is characterized by:

According to the eleventh and thirty-first aspects of the present invention, it is possible to acquire transaction information for settlement related to a commercial transaction and provide the transaction information to an external device. The invention according to claim 12 is
12. The transaction information acquisition device according to claim 11, wherein the transaction information is acquired via the network.

The invention according to claim 32 is the third invention.
2. The storage medium according to claim 1, wherein a computer-executable program code for acquiring the transaction information via the network is stored.
According to the twelfth and thirty-second aspects of the invention, transaction information can be acquired via a network, so that transaction information in mail order and the like using a network such as the Internet can be easily acquired.

According to a thirteenth aspect of the present invention, there is provided the transaction information acquiring apparatus according to the eleventh or twelfth aspect, wherein a signal indicating that the settlement relating to the transaction information can be accepted is input from outside. It is characterized in that a payment confirmation notice indicating the content of the payment is transmitted to a predetermined terminal device.

The invention according to claim 33 is the third invention.
33. The storage medium according to 1 or 32, wherein when a signal indicating that payment of the transaction information can be received is input from outside, a payment confirmation notification indicating the payment content is transmitted to a predetermined terminal device. A program code executable by a computer for executing the program.

According to the thirteenth and thirty-third aspects of the present invention, it is possible to promptly notify a predetermined terminal device of the payment contents and that the payment is possible. Claim 14
The described invention is the transaction information acquiring apparatus according to claim 13, wherein the settlement confirmation notification includes access information for accessing the settlement acceptance data via the network.

The invention according to claim 34 is the third invention.
3. The storage medium according to claim 3, wherein the payment confirmation notice stores a computer-executable program code for including access information for accessing the payment acceptance data via the network. .

According to the fourteenth and thirty-fourth aspects of the present invention, the customer can easily know the access destination of the payment acceptance data. Also, by accessing the payment acceptance data based on the access information,
Customers can make payments quickly and easily. The invention according to claim 15 is the transaction information acquisition device according to claim 13 or 14, wherein the predetermined terminal device is a terminal device that has input the transaction information.

The invention according to claim 35 is the third invention.
34. The storage medium according to 3 or 34, wherein a computer-executable program code for causing the predetermined terminal device to be the terminal device that has input the transaction information is stored. According to the inventions set forth in claims 15 and 35, the settlement confirmation notification is transmitted to the terminal device that has performed the commercial transaction, so that the customer is notified of the details of the settlement more quickly after the commercial transaction.

According to a sixteenth aspect of the present invention, there is provided the transaction information acquiring apparatus according to any one of the eleventh to fifteenth aspects, wherein the apparatus is operated by a seller of a product related to the commercial transaction. According to the invention of claim 16, it is possible to easily obtain transaction information in a commercial transaction.

The invention according to claim 17 is a settlement accepting apparatus for a settlement system for conducting settlement of a commercial transaction by using information communication in a network, based on transaction information on the commercial transaction inputted from outside. And generating payment acceptance data corresponding to the commercial transaction on a one-to-one basis for accepting the commercial transaction settlement via the network.

According to a thirty-sixth aspect of the present invention, there is provided a storage medium storing a computer-executable program for a payment system for performing a payment of a commercial transaction using information communication in a network, wherein the storage medium stores an externally input program. Was
Based on the transaction information pertaining to the commercial transaction, a computer-executable program code for creating payment acceptance data corresponding to the commercial transaction on a one-to-one basis is stored for accepting the commercial transaction settlement via the network. It is characterized by:

According to the seventeenth and thirty-sixth aspects of the present invention, since exclusive settlement acceptance data for each commercial transaction is created, settlement of each commercial transaction can be performed easily and quickly. The invention according to claim 18 is the settlement accepting device according to claim 17, wherein, when the settlement accepting data is created, a settlement confirmation notice indicating the contents of the settlement is transmitted to a predetermined terminal device.

A storage medium according to a thirty-seventh aspect is the storage medium according to the thirty-sixth aspect, wherein, when the payment acceptance data is created, a payment confirmation notice indicating the details of the payment is transmitted to a predetermined terminal device. Characterized in that the program code executable by the computer is stored.

According to the eighteenth and thirty-seventh aspects of the present invention, since the settlement confirmation notification is transmitted to the predetermined terminal device, the customer is immediately notified that the settlement can be accepted. The invention according to claim 19 is the invention according to claim 1.
8. The payment accepting device according to claim 8, wherein the payment confirmation notification includes access information for accessing the payment accepting data via the network.

The invention according to claim 38 is the third invention.
7. The storage medium according to claim 7, wherein the payment confirmation notice stores a computer-executable program code for including access information for accessing the payment acceptance data via the network. .

According to the nineteenth and thirty-eighth aspects, the customer can easily know the access destination of the payment acceptance data. Also, by accessing the payment acceptance data based on the access information,
Customers can make payments quickly and easily. The invention according to claim 20 is the settlement accepting device according to claim 18 or 19, wherein the predetermined terminal device is a terminal device that inputs the transaction information.

Further, the invention described in claim 39 is the third invention.
39. The storage medium according to 7 or 38, wherein a computer-executable program code for causing the predetermined terminal device to be the terminal device to which the transaction information has been input is stored. According to the inventions set forth in claims 20 and 39, the settlement confirmation notification is transmitted to the terminal device that has performed the commercial transaction, so that the customer is notified of the details of the settlement more quickly after the commercial transaction.

According to a twenty-first aspect of the present invention, in the settlement accepting apparatus according to any one of the seventeenth to twentieth aspects, when the settlement acceptance data is created, the creation of the settlement acceptance data is completed externally. Is transmitted. The invention according to claim 40 is the storage medium according to any one of claims 36 to 39, wherein when the payment reception data is created, it indicates that the creation of the payment reception data has been completed to the outside. A computer-executable program code for transmitting a creation completion signal is stored.

According to the twenty-first and forty-ninth aspects of the present invention, since the settlement completion signal is transmitted, it is possible to promptly notify the outside that the settlement can be accepted. Claim 2
The invention described in Item 2 is the settlement receiving apparatus according to any one of Claims 17 to 21, characterized in that the apparatus is operated by a financial institution that performs settlement of the commercial transaction.

According to the invention described in claim 22, in the financial institution, the settlement acceptance data is quickly created in accordance with the business transaction between the customer and the trader, so that the settlement can be made more quickly.

[0047]

BRIEF DESCRIPTION OF THE DRAWINGS FIG. 1 is a block diagram showing a payment system according to an embodiment of the present invention; 1 to 8 are diagrams showing a settlement system 1 to which the present invention is applied. First, the configuration will be described.

FIG. 1 shows a radio communication system 1 according to the present invention.
FIG. 2 is a diagram showing an overall configuration of the embodiment. In FIG. 1, a settlement system 1 includes a product sales server 10 and a settlement server 20.
And a terminal device 30. These devices are connected via a network. Product sales server 10
Is a Web server that stores shopping sites on the Internet opened by dealers such as home appliance stores, bookstores, and department stores. In addition, the settlement server 2
0 is a site that provides banking services on the Internet established by financial institutions such as banks (hereinafter referred to as
Say "net banking site." We accumulate)
b server. Further, the terminal device 30 is provided with a mobile phone or a PDA (Personal) having an Internet browsing function.
Digital Assistants).

The network connecting the terminal device 30 and the merchandise sales server 10 will be described using the Internet as an example, but a network such as personal computer communication may be used. Further, the network connecting the product sales server 10 and the settlement server 20 may be a network using a dedicated line to enhance security. Further, the terminal device 30 may be a terminal device such as a desktop personal computer as long as it can be connected to a network.

FIG. 2 is a block diagram showing a functional configuration of the product sales server 10. As shown in FIG. In FIG. 2, the product sales server 10 includes an input unit 11, a control unit 12, and a storage unit 13.
, RAM (Random Access Memory) 14, and VRAM
(Video Random Access Memory) 15 and display unit 16
And a communication unit 17. The input unit 11 includes a keyboard and a pointing device such as a mouse provided with a cursor key, a numeric input key, and the like, and outputs a pressing signal of a key pressed on the keyboard and a mouse position signal to the control unit 12.

The control unit 12 controls the entire product sales server 10 and reads and executes programs related to various processes stored in the storage unit 13 in accordance with various instruction signals input from the input unit 11. Control unit 1
2 executes a sales process (described later) for receiving an order for a product from the terminal device 30. And the control unit 12
Stores the processing results of executing various programs in a predetermined area of the storage unit 13 or the RAM 14 or causes the display unit 16 to display the results.

The storage unit 13 is constituted by a nonvolatile semiconductor memory such as a flash ROM. This storage unit 13
Sales processing program and product sales server 1
A program relating to various processes for control of 0 is stored. The RAM 14 stores various data, and has a work memory 14a for temporarily storing various data generated in various processes executed by the control unit 12.

The VRAM 15 is a video memory for storing display data displayed on the display unit 16. Display 16
Is composed of, for example, a dot matrix type color liquid crystal display cell or a CRT (Cathode Ray Tube), and displays various data stored in the VRAM 15.

The communication unit 17 performs a data conversion process and a modulation process on the various data instructed by the control unit 12 into a predetermined format, and outputs the data to a destination device via a network. The communication unit 17 receives a signal transmitted from another device such as the terminal device 30, performs a demodulation process on an original signal and a data conversion process on an original data format, and outputs the signal to the control unit 12.

FIG. 3 is a block diagram showing a functional configuration of the settlement server 20. In FIG. 3, the settlement server 20
Are input unit 21, control unit 22, storage unit 23, RA
M24, VRAM 25, display unit 26, communication unit 27
It is composed of In addition, among the functional blocks illustrated in FIG. 3, the parts other than the control unit 21 and the storage unit 23 are the same as the corresponding parts of the product sale server 10, respectively, and thus description thereof will be omitted.

The control unit 21 controls the entire settlement server 20 and reads and executes programs related to various processes stored in the storage unit 23 in accordance with various instruction signals input from the input unit 21. The control unit 22
Executes a payment process (described later) for performing a payment based on the transfer necessary information (described later) transmitted from the product sale server 10. Then, the control unit 12 stores the processing results of executing the various programs in a predetermined area of the storage unit 23 or the RAM 24, or causes the display unit 26 to display the processing results.

The storage unit 23 is composed of a nonvolatile semiconductor memory such as a flash ROM. This storage unit 23
A program related to the settlement process and a program related to various processes for controlling the settlement server 20 are stored.
Next, the configuration of the terminal device 30 will be described. FIG.
FIG. 3 is a front view of the terminal device 30. FIG. 5 is a block diagram illustrating a functional configuration of the terminal device 30. 4 and 5, the terminal device 30 includes an input unit 31 and a control unit 3.
2, a storage unit 33, a RAM 34, a VRAM 35,
The display unit 36 includes a display unit 36, a communication unit 37, and an antenna 38.

The input unit 31 includes a cursor key, a numeric input key, and the like, and outputs a pressing signal of the pressed key to the control unit 32. The control unit 32 controls the entire terminal device 30 and reads and executes programs related to various processes stored in the storage unit 33 according to various instruction signals input from the input unit 31. In addition, the control unit 32 executes a process for browsing a Web page for selling goods provided by the server 20 for selling goods and a Web page for settlement of each commercial transaction provided by the server 20 for settlement. I do. Then, the control unit 32 stores the processing results of executing the various programs in a predetermined area of the storage unit 33 or the RAM 34 or causes the display unit 36 to display the processing results.

The storage section 33 is composed of a nonvolatile semiconductor memory such as a flash ROM. This storage unit 33
A program for browsing Web pages and a program for various processes for controlling the terminal device 30 are stored. The RAM 34 stores various data, and has a work memory 34a for temporarily storing various data generated in various processes executed by the control unit 32.

The VRAM 35 is a video memory for storing display data displayed on the display unit 36. Display 36
Is composed of, for example, a color liquid crystal display cell of a dot matrix type and displays various data stored in the VRAM 35. The communication unit 37 performs data conversion processing and modulation processing to a predetermined format on various data instructed to be transmitted from the control unit 32, and outputs the data to the antenna 38.
In addition, the communication unit 37 performs demodulation processing to an original signal and data conversion processing to an original data format on the signal input from the antenna 38, and outputs the signal to the control unit 32.

The antenna 38 transmits various signals input from the communication unit 37 to other devices such as the settlement server 20 as wireless signals. Further, the antenna 38 receives a radio signal transmitted from another device to the terminal device 30,
Output to the communication unit 37. Next, the operation will be described. First,
With reference to FIG. 6, the operation of the entire payment system 1 will be described.

FIG. 6 is a diagram showing a flow from the purchase of a product to the settlement in the settlement system 1. When purchasing a product in the settlement system 1 shown in FIG.
The user 0 (product purchaser) registers his / her mail address and information required for normal electronic payment, such as his / her bank account number used at the time of payment, in the payment system 1 in advance.

In FIG. 6, a product order signal 5 indicating a product order is sent from the terminal device 30 to the product sales server 10.
When “a” is transmitted, it is information necessary for transferring the price of the product (hereinafter, referred to as “product A”) from the product sales server 10 to the settlement server 20 based on the product order signal 5a. The necessary transfer information 5b is transmitted. The necessary transfer information 5b includes the name of the purchaser of the product, the name of the product, the quantity, the transfer source bank, the transfer source bank account number and holder, the transfer destination bank, the transfer destination bank account and holder, the transfer amount, and the like. .

Next, a payment page dedicated to the commercial transaction (transfer of the price of the product A) is created on the homepage where the payment server 20 provides the net banking service, based on the transfer necessary information 5b. Then, the settlement page is completed from the settlement server 20 to the merchandise sales server 10 and the URL (Uniform Resource Lo
cator) is transmitted.

Further, based on the completion / URL notification 5c, a confirmation mail 5d indicating the payment contents and the URL of the payment page is transmitted from the commodity sales server 10 to the terminal device 30. The confirmation e-mail 5d may also include additional information such as the balance in the bank account of the transfer source of the product purchaser. Subsequently, when the user of the terminal device 30 confirms the contents of the confirmation mail 5d, a login request 5e for using the net banking service is transmitted from the terminal device 30 to the settlement server 20. When the user of the terminal device 30 confirms the contents of the confirmation e-mail 5d, the login request 5e is transmitted from the terminal device 30 to the settlement server 20 by clicking or selecting and inputting the URL of the settlement page.

Next, when the settlement server 20 that has received the login request signal 5e authenticates the login request related to the login request signal 5e, an authentication permission to authenticate the login from the settlement server 20 to the terminal device 30 is issued. 5f is transmitted. At this time, authentication of the login request from the terminal device 30 (authentication of the user of the terminal device 30) is performed by a well-known authentication method used in the net banking service.

Next, when an access request 5g is transmitted from the terminal device 30 with respect to the URL indicated in the completion / URL notification 5c, the settlement server 20 transmits a settlement page specified by the URL to the terminal device 30 (displays the settlement page). 5h) is transmitted. The settlement page based on the URL has one-to-one correspondence with the settlement.
That is, one payment page exists corresponding to one payment.

Subsequently, when the user of the terminal device 30 confirms the contents of the payment page 5h and instructs the transfer of the price of the product A, the terminal device 30 sends the payment server 20
, A content confirmation signal 5i for instructing the transfer of the price is transmitted. Then, the payment for the product A is transferred to the transfer destination account designated in the transfer necessary information 5b by the settlement server 30. At this time, it is assumed that the payment is made by the same method as the well-known electronic settlement.

Then, when the payment is transferred by the settlement server 30, a transfer bulletin 5j indicating that the payment has been transferred to the commodity sales server 10 is transmitted. Next, in the operation of the entire payment system 1 described above,
The sales process executed by the product sales server 10 and the settlement process executed by the settlement server 20 will be described in detail.

First, the selling process will be described. FIG.
5 is a flowchart showing a sales process executed by the control unit 12 of the product sales server 10. The sales processing program is started when the power of the product sales server 10 is turned on. 7, first, the control unit 12 determines whether or not an order for a product has been made from the terminal device 30 via the Internet (whether or not the product order signal 5a has been transmitted) (step S101). If it is determined that the order for the product has not been made, the control unit 12 repeats step S101. If it is determined that the order for the product has been made, the control unit 12 transfers the necessary transfer information 5b to the settlement server 20. Is transmitted (step S102).

Next, the control unit 12 determines whether the payment page creation is completed and the completion / URL notification 5c indicating the URL of the page is received from the payment server 20 (step S103). And completion / URL notification 5c
When the control unit 12 determines that the completion / URL notification 5c has not been received, the control unit 12 transmits the payment content and the URL of the payment page to the terminal device 30 when determining that the completion / URL notification 5c has been received. Confirmation email 5 shown
d is transmitted (step S104).

Next, the control unit 12 determines whether or not the end of the sales process has been instructed (step S105).
If it is determined that the end of the sales process has not been instructed, the process of the control unit 12 proceeds to step S101. If it is determined that the end of the sales process has been instructed, the control unit 12 ends the sales process. I do. Next, the settlement process will be described.

FIG. 8 is a flowchart showing the settlement processing executed by the control unit 22 of the settlement server 20. The payment processing program is activated when the payment server 20 is turned on. In FIG. 8, first, the control unit 22
Determines whether the transfer necessary information 5b has been received from the product sale server 10 (step S201). And when it determines with not having received the transfer required information 5b, the control part 22 repeats step S201,
When it is determined that the transfer necessary information 5b has been received, the control unit 22 creates a Web page (payment page) dedicated to payment (transfer of the price of the product A) related to the transfer required information 5b based on the transfer necessary information 5b. A URL specifying this payment page is set (step S20)
2).

Subsequently, the control unit 22 transmits to the product sales server 10 a completion / URL notification 5c indicating the completion of creation of the settlement page and the URL of the page (step S2).
03). Then, the control unit 22 determines whether or not the login request 5e has been received from the terminal device 30 (Step S204). Then, when determining that the login request 5e has not been received, the control unit 22 repeats step S204, and when determining that the login request 5e has been received from the terminal device 30, the control unit 22 determines whether or not the login of the terminal device 30 has been performed. It is determined whether or not authentication is possible (step S
206).

In step S206, the terminal device 30
If it is determined that the login of the
Transmits a message to the effect that login is impossible to the terminal device 30 (step S206). When it is determined that the login of the terminal device 30 is possible, the control unit 2
2 transmits an authentication permission 5f for authenticating login to the terminal device 30 (step S207), and determines whether an access request 5g has been received from the terminal device 30 for the URL indicated in the completion / URL notification 5c. Perform (Step S
208).

In step S208, the terminal device 30
If the control unit 22 determines that the access request 5g has not been received for the URL indicated in the completion / URL notification 5c from
If it is determined that the access request 5g has been received for the URL indicated in the completion / URL notification 5c from the control unit 22
Transmits the payment page 5h to the terminal device 30 (step S209).

Then, the control unit 22 instructs the transfer of the price transmitted from the terminal device 30 by the user of the terminal device 30 confirming the contents of the settlement page 5h and instructing the payment of the product A. It is determined whether or not the content confirmation signal 5i has been received (step S210). Then, when determining that the content confirmation signal 5i has not been received, the control unit 22 repeats step S210, and when determining that the content confirmation signal 5i has been received, the control unit 22.
Executes the transfer of the product A, and transmits the transfer flash report 5j indicating that the transfer has been performed to the product sales server 10 (step S211).

Next, the control unit 22 determines whether or not the end of the settlement processing has been instructed (step S212). If it is determined that the settlement processing has not been instructed, the process proceeds to step S101. If it is determined that the settlement processing has been instructed, the settlement processing ends. As described above, according to the payment system 1 to which the present invention is applied, when the user of the terminal device 30 places an order for a product on the product sales server 10 via the Internet, the payment for settlement is performed from the product sales server 10. Information 5b required for transfer to server 20
Is transmitted, and the payment server 20 uses the dedicated Web page (payment page 5) for transferring the price of the product.
h) is created.

Therefore, the purchaser of the product (the terminal device 30
By accessing the settlement page 5h, the user can easily execute the transfer of the product without inputting the bank account number of the transfer source. When the payment page 5h is created in the payment server 20, the completion / URL notification 5c is transmitted to the commodity sales server 10, and the confirmation mail 5d is transmitted from the commodity sales server 10 to the terminal device 30.

Therefore, the purchaser of the product can easily confirm the settlement contents. In addition, since the confirmation e-mail 5d is transmitted immediately after the purchase of the product, the purchaser of the product is prompted to transfer the price, and the settlement is promptly performed. Further, in the case of the settlement using the settlement system 1, the cost required for the settlement can be reduced as compared with the settlement method using a bank transfer, a credit card, or the like.

In the present embodiment, completion / U
The RL notification 5c is transmitted from the settlement server 20 to the product sales server 10, and the confirmation mail 5d is sent from the product sales server 10 to the terminal device 30 based on the completion / URL notification 5c.
However, the completion / URL notification 5c is transmitted directly from the settlement server 20 to the terminal device 30, and the completion / URL notification 5c is included in the confirmation mail 5d.
May be included. In this case, the confirmation mail 5c can be transmitted to the user of the terminal device 30 more quickly.

Further, in a sales company or the like who operates the product sales server 10, a certain point is given to a buyer who has settled by the settlement system 1, and a special additional service is performed according to the accumulated number of points. It may be that. In this case, it is considered that the number of purchasers who use the settlement system 1 increases. Then, since the settlement system 1 has a low cost for settlement, it is possible to reduce costs required for settlement by a seller or the like.

Further, in the present embodiment, the data format of the signal transmitted and received between the product sales server 10 and the settlement server 20 may follow a certain protocol. That is, for example, the transfer necessary information 5b includes a header and the like necessary for communication on the network, and also includes a name of a purchaser of a product,
The data record may include a product name, a quantity, a transfer source bank, a transfer source bank account number and a holder, a transfer destination bank, a transfer destination bank account and a holder, a transfer amount, and the like.

In this case, the settlement system 1 can be easily used by a plurality of financial institutions and dealers. Note that the storage units 13 and 23 for storing programs for realizing the processes shown in FIGS. 7 and 8 can be realized by various storage media other than a semiconductor memory, a magnetic disk, an optical disk, and the like.

[0085]

According to the inventions set forth in claims 1 and 23, the settlement acceptance data corresponding to each commercial transaction is created one-to-one, so that the customer can perform complicated procedures (name, account number, etc.) for settlement. ) Without having to enter
Settlement is easy. According to the second and twenty-fourth aspects of the invention, the transaction information acquisition means can acquire transaction information relating to a commercial transaction conducted via the network.

According to the third and twenty-fifth aspects of the present invention, since the settlement confirmation notification is transmitted to the predetermined terminal device, the customer is immediately notified that the settlement can be accepted. Further, by transmitting the payment confirmation notification, the customer is prompted to execute the payment, and the payment is quickly performed. According to the fourth aspect of the present invention, since the creation completion signal is transmitted to the transaction information acquisition means, the transaction information acquisition means can grasp that the creation of the settlement acceptance data has been completed. Further, since the settlement information is transmitted from the transaction information acquisition unit to the predetermined terminal device, the customer is immediately notified that the settlement can be accepted.

According to the fifth and twenty-sixth aspects of the present invention, since the access information is included in the settlement confirmation notice, the customer can easily know the access destination of the settlement acceptance data. According to the inventions set forth in claims 6 and 27, the customer can access the payment acceptance data based on the access information, so that the customer can perform the payment quickly and easily.

According to the seventh aspect of the present invention, since the settlement completion signal is transmitted, the transaction information obtaining means can grasp that the settlement is completed. Claim 8 and Claim 2
According to the invention described in Item 8, since the settlement confirmation notification is transmitted to the terminal device which has performed the commercial transaction, the customer can be notified of the details of the settlement more quickly after the commercial transaction.

According to the ninth and twenty-ninth aspects of the present invention, transaction information in a commercial transaction can be easily obtained. According to the tenth and thirty-third aspects of the present invention, in the financial institution, the settlement acceptance data is quickly created according to the business transaction between the customer and the trader, so that the settlement can be performed more quickly.

According to the eleventh and thirty-first aspects of the present invention, it is possible to acquire transaction information for settlement related to a commercial transaction and provide the transaction information to an external device. Claim 12 and Claim 3
According to the invention described in the second aspect, since the transaction information can be acquired via the network, the transaction information in the mail order and the like using the network such as the Internet can be easily acquired.

According to the thirteenth and thirty-third aspects of the present invention, it is possible to promptly notify a predetermined terminal device of the payment contents and that the payment is possible. Claim 14
According to the invention described in Item 34, the customer can easily know the access destination of the payment acceptance data.
Further, by accessing the payment acceptance data based on the access information, the customer can quickly and easily make a payment.

According to the inventions set forth in claims 15 and 35, the settlement confirmation notification is transmitted to the terminal device which has performed the commercial transaction, so that the customer is notified of the details of the settlement more quickly after the commercial transaction. According to the invention of claim 16, it is possible to easily obtain transaction information in a commercial transaction.

According to the seventeenth and thirty-sixth aspects of the present invention, since exclusive settlement acceptance data for each commercial transaction is created, settlement of each commercial transaction can be performed easily and quickly. According to the inventions set forth in claims 18 and 37, the settlement confirmation notification is transmitted to the predetermined terminal device, so that the customer is immediately notified that the settlement can be accepted.

According to the inventions set forth in claims 19 and 38, the customer can easily know the access destination of the settlement acceptance data. Also, by accessing the payment acceptance data based on the access information,
Customers can make payments quickly and easily. According to the inventions set forth in claims 20 and 39, the settlement confirmation notification is transmitted to the terminal device that has performed the commercial transaction, so that the customer is notified of the details of the settlement more quickly after the commercial transaction.

According to the twenty-first and twenty-fourth aspects of the present invention, since the settlement completion signal is transmitted, it is possible to promptly notify the outside that the settlement can be accepted. Claim 2
According to the invention described in (2), the payment acceptance data is quickly created in the financial institution in accordance with the commercial transaction between the customer and the trader, so that the payment can be made more quickly.

[Brief description of the drawings]

FIG. 1 is a diagram showing an overall configuration of a wireless communication system 1 according to the present invention.

FIG. 2 is a block diagram showing a functional configuration of a product sales server 10.

FIG. 3 is a block diagram showing a functional configuration of a settlement server 20;

4 is a front view of the terminal device 30. FIG.

FIG. 5 is a block diagram showing a functional configuration of a terminal device 30.

FIG. 6 is a diagram showing a flow from purchase of goods to payment in the payment system 1.

FIG. 7 is a flowchart showing a sales process executed by the control unit 12 of the product sales server 10.

FIG. 8 is a flowchart showing a settlement process executed by a control unit 22 of the settlement server 20.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 Settlement system 10 Merchandise sales server 20 Settlement server 30 Terminal device 11, 21, 31 Input unit 12, 22, 32 Control unit 13, 23, 33 Storage unit 14, 24, 34 RAM 14a, 24a, 34a Work area 15 , 25, 35 VRAM 16, 26, 36 Display unit 17, 27, 37 Communication unit 38 Antenna

──────────────────────────────────────────────────続 き Continued on the front page (51) Int.Cl. ⁷ Identification symbol FI Theme coat ゛ (Reference) G06F 17/60 506 G06F 17/60 506

Claims (40)

[Claims] 1. A settlement system for performing settlement of a commercial transaction using information communication in a network, wherein the transaction information acquiring means acquires transaction information on the commercial transaction in response to a commercial transaction between a customer and a trader; Based on the transaction information, for receiving payment of the commercial transaction via a network, a payment receiving data creating means for creating payment receiving data corresponding to the commercial transaction on a one-to-one basis; A settlement system for performing settlement of the commercial transaction based on the settlement acceptance data when the settlement of the commercial transaction is instructed by the customer. 2. The settlement system according to claim 1, wherein said transaction information acquiring means acquires said transaction information via said network. 3. The settlement according to claim 1, wherein said settlement acceptance data creating means sends a settlement confirmation notice indicating settlement contents to a predetermined terminal device when said settlement acceptance data is created. system. 4. When the payment acceptance data creation means creates the payment acceptance data, the payment acceptance data creation means transmits a creation completion signal indicating that the creation of the payment acceptance data has been completed, and the transaction information acquisition means 3. The settlement system according to claim 1, wherein a settlement confirmation notification indicating the settlement contents is transmitted to a predetermined terminal device based on the completion signal. 5. The payment system according to claim 3, wherein the payment confirmation notification includes access information for accessing the payment reception data via a network. 6. When the predetermined terminal device receives the payment confirmation notification, the predetermined terminal device can access the payment reception data via the network based on the access information. The settlement system according to claim 5, wherein settlement is possible. 7. The payment receiving data creating means, when electronic payment related to the payment receiving data is completed,
7. The settlement system according to claim 6, wherein a settlement completion signal indicating the completion of settlement is transmitted to said transaction information acquisition means. 8. The settlement system according to claim 3, wherein the predetermined terminal device is a terminal device to which the transaction information has been input. 9. The settlement system according to claim 1, wherein the transaction information acquisition unit is realized by a seller of a product related to the commercial transaction. 10. The settlement system according to claim 1, wherein the settlement acceptance data creating unit is realized by a financial institution that performs settlement of the commercial transaction. 11. A transaction information acquisition device for a settlement system for performing settlement of a commercial transaction using information communication in a network, wherein the transaction information acquiring apparatus acquires transaction information related to the commercial transaction in response to a commercial transaction between a customer and a trader. And transmitting the transaction information to an external device for accepting payment from the customer via the network. 12. The transaction information acquisition device according to claim 11, wherein the transaction information is acquired via the network. 13. When a signal indicating that settlement of the transaction information can be accepted is input from outside,
13. The transaction information acquisition device according to claim 11, wherein a payment confirmation notification indicating the content of the payment is transmitted to a predetermined terminal device. 14. The payment confirmation notice includes access information for accessing the payment acceptance data via the network.
3. The transaction information acquisition device according to 3. 15. The terminal device according to claim 13, wherein the predetermined terminal device is a terminal device that has input the transaction information.
Or the transaction information acquisition device according to 14. 16. The transaction information acquisition apparatus according to claim 11, wherein the transaction information acquisition apparatus is operated by a seller of a product related to the commercial transaction. 17. A settlement accepting apparatus for a settlement system for conducting settlement of a commercial transaction using information communication in a network, wherein the settlement of the commercial transaction is performed based on transaction information concerning the commercial transaction inputted from outside. A payment receiving apparatus for generating payment reception data corresponding to the commercial transaction on a one-to-one basis for receiving via the network. 18. The settlement accepting apparatus according to claim 17, wherein when the settlement accepting data is created, a settlement confirmation notice indicating the contents of the settlement is transmitted to a predetermined terminal device. 19. The payment confirmation notice includes access information for accessing the payment acceptance data via the network.
8. The settlement accepting device according to 8. 20. The terminal device according to claim 18, wherein the predetermined terminal device is a terminal device to which the transaction information is input.
Or the settlement accepting device according to 19. 21. The method according to claim 17, wherein when the payment acceptance data is created, a creation completion signal indicating that the creation of the payment acceptance data has been completed is transmitted to the outside. Payment accepting device. 22. The settlement accepting apparatus according to claim 17, wherein the settlement accepting apparatus is operated by a financial institution that performs settlement of the commercial transaction. 23. A settlement method for performing settlement of a commercial transaction using information communication in a network, wherein the transaction information acquiring step acquires transaction information on the commercial transaction in response to a commercial transaction between a customer and a trader; Based on the transaction information, for accepting the settlement of the commercial transaction via a network, a settlement acceptance data creating step of creating settlement acceptance data corresponding to the commercial transaction on a one-to-one basis, comprising: A settlement method characterized by performing settlement of the commercial transaction based on the settlement acceptance data when instructed by a customer. 24. The transaction information obtaining step,
The settlement method according to claim 23, wherein the transaction information is acquired via the network. 25. The method according to claim 25, further comprising the step of transmitting a payment confirmation notification indicating a payment content related to the payment reception data to a predetermined terminal device when the payment reception data is generated in the payment reception data generating step. The settlement method according to claim 23 or 24, wherein 26. The settlement method according to claim 25, wherein the settlement confirmation notification includes access information for accessing the settlement acceptance data via a network. 27. When the predetermined terminal device receives the payment confirmation notification, the predetermined terminal device can access the payment reception data via the network based on the access information. The settlement method according to claim 26, wherein settlement is possible. 28. The terminal device according to claim 25, wherein the predetermined terminal device is a terminal device that inputs the transaction information.
28. The settlement method according to any one of to 27. 29. The settlement method according to claim 21, wherein the transaction information obtaining step is performed by a seller of a product related to the commercial transaction. 30. The settlement reception data creating step,
The settlement method according to any one of claims 21 to 29, wherein the settlement method is realized by a financial institution that performs settlement of the commercial transaction. 31. A storage medium storing a computer-executable program for a payment system for performing a payment of a commercial transaction using information communication in a network, wherein said program is executed in response to a commercial transaction between a customer and a trader. A storage medium storing a computer-executable program code for acquiring transaction information related to a commercial transaction and transmitting the transaction information via the network to an external device for receiving payment from the customer. 32. The storage medium according to claim 31, wherein a computer-executable program code for acquiring the transaction information via the network is stored. 33. When a signal indicating that settlement of the transaction information can be accepted is input from outside,
33. The storage medium according to claim 31, wherein a computer-executable program code for transmitting a payment confirmation notification indicating the payment content to a predetermined terminal device is stored. 34. A computer-executable program code for including, in the payment confirmation notification, access information for accessing the payment acceptance data via the network, wherein the computer-executable program code is stored. Storage media. 35. The storage medium according to claim 33, wherein a computer-executable program code for causing the predetermined terminal device to be the terminal device to which the transaction information has been input is stored. 36. A storage medium storing a computer-executable program for a payment system for performing payment of a commercial transaction by using information communication in a network, wherein the computer-readable storage medium stores transaction information related to the commercial transaction inputted from outside. And storing a computer-executable program code for creating payment acceptance data corresponding to the commercial transaction on a one-to-one basis for accepting the settlement of the commercial transaction via the network. Medium. 37. A computer-executable program code for transmitting a payment confirmation notice indicating payment contents to a predetermined terminal device when the payment acceptance data is created. Storage media. 38. A computer-executable program code for including, in the payment confirmation notification, access information for accessing the payment acceptance data via the network, wherein the computer-executable program code is stored. Storage media. 39. The storage medium according to claim 37, wherein a computer-executable program code for causing the predetermined terminal device to be the terminal device into which the transaction information has been input is stored. 40. A computer-executable program code for transmitting a creation completion signal indicating that the creation of the payment acceptance data is completed to the outside when the payment acceptance data is created. The storage medium according to any one of claims 36 to 39.