JP2002197397A - Settlement by agent system, settlement method, by agent record medium recording settlement by agent program, and settlement by agent program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To perform settlement by agent with high convenience to a commodity purchaser and a commodity seller. SOLUTION: When a plurality of settlement means are selected, and when a bank settlement is selected, money receiving information containing committer discriminating information for discriminating a settlement by agent committer is received from a settlement by agent user (s3). According to the money receiving information, money receiving existence/absence discriminating information showing the receipt of money is related to the commodity ordering information stored in a data base 12 storing the commodity ordering information and the money receiving existence/absence discriminating information related to each other to be stored in the database 12 (s11), and the money receiving existence/ absence discriminating information is related to the commodity ordering information by each member store to be transmitted to a member store terminal 2 (s12).

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment agent system for performing payment between a payment agent and a payment agent user, a payment agent method, a recording medium storing a payment agent program, and a payment agent program. .

[0002]

2. Description of the Related Art In a so-called e-commerce performed through a conventional network, a consumer who is a user of the e-commerce orders a merchant who sells / provides goods through a network. In order to pay for this product, for example, payment by bank transfer, payment using a credit card, payment using a convenience store, and the like are performed.

[0003] When using settlement by bank transfer,
Payment is made to a predetermined account of the member store using a network such as a bank store, an automatic machine, and a personal computer. In this case, the member store needs to open a bank account in advance.

[0004] In the case of using payment by credit card, a credit company server receives consumer's product order information and deposits it into a predetermined account of a member store based on the product order information. In this case, the merchant must enter into a merchant agreement with the credit company.

[0005] In the case of payment using a convenience store, when payment is made at each convenience store as a collection agency, payment is made from the convenience store to a predetermined account of the member store based on the payment information. In this case, the merchant must enter into a collection agent contract with the convenience store.

[0006] As described above, a consumer can pay for a commodity using a plurality of settlement means using a bank, a credit card, or a convenience store.

[0007]

However, in order for a plurality of payment means to be available to consumers in the above-mentioned system, a member store must provide a plurality of payment means to a company or the like for realizing the plurality of payment means. You need to sign a contract. Such a procedure was very troublesome for the merchant. If the number of payment means with which the merchant concludes a contract decreases, the payment method desired by the consumer and the available payment means do not match, which leads to a loss of sales opportunities.

[0008] In addition, even if a member store receives payment information from each payment agent, it is information for each payment means.
In effect, centralized management of deposit information was not possible.

SUMMARY OF THE INVENTION The present invention has been made to solve the above problems, and an object of the present invention is to provide a payment proxy system, a payment proxy method, a payment proxy program, and a payment proxy program capable of efficiently performing payment. To provide a recording medium on which is recorded.

[0010]

According to one aspect of the present invention, an input for inputting deposit information and / or settlement determination information by at least two settlement means including entrustor identification information for identifying a settlement agent. Storage means for associating and storing the means, the client identification information, the payment identification information including the amount to be paid by the settlement agent user, and the payment / payment availability identification information for specifying the presence or absence of payment and / or the possibility of payment. A payment process for associating a payment means stored in the storage means with payment / payment availability identification information indicating that payment and / or payment is permitted, based on the payment information and / or payment determination information; Means for outputting, in association with the payment specifying information, the payment / payment permission / inhibition identification information for each of the payment subcontractors based on the client identification information. Party payment system is provided which is characterized by comprising comprises and.

Here, the settlement judgment information is information indicating that settlement is possible in settlement means requiring settlement judgment, for example, information indicating that credit is possible in credit card settlement, a debit card It includes information indicating that settlement is possible, which is obtained by checking the balance in settlement.

[0012] According to such a configuration, the settlement agent user can freely select the settlement means, so that it is possible to prevent loss of opportunity such as purchase of goods. On the other hand, the settlement agent can freely sell products using multiple settlement means without individually signing contracts with each settlement means. Loss can be reduced. Further, the settlement agent can commission the settlement at a very low price as compared with the case of constructing the system by itself, so that a large amount of hardware, software and system development costs are not required.

Preferably, the output means collects and outputs the payment / payment permission / inhibition identification information by each payment means.

Here, "collectively outputting" means that information obtained from separate inputs is output as a list so that it can be confirmed.

[0015] As a result, since the application processing results of the respective settlement means can be collected and output, the settlement agent can easily recognize payment from a plurality of settlement means. In other words, the operation of separately confirming the payment from each settlement means and collecting the payment becomes unnecessary for each settlement agency user, and the payment can be centrally managed.

[0016] Preferably, the storage means is provided with transfer presence / absence specifying information for specifying the presence / absence of a transfer to the settlement agent, and the output means is provided with the payment specifying information. The transfer presence / absence identification information is associated and output. As a result, the settlement agent
It is possible to check not only whether or not payment has been made and / or whether or not payment has been made, but also whether or not payment has been made to the account of the payment agent.

[0017] Preferably, at least one of the plurality of settlement means is a settlement means that needs to make a settlement decision, and the settlement agency system further comprises the settlement agency use when the settlement decision result indicates that settlement is impossible. Payment means selecting means for urging the user to use different payment means.

Here, the settlement judgment is to judge whether or not the settlement agency user has the ability to pay for the payment required for settlement. For example, it is judged whether the credit is acceptable or not, and the remaining amount stored in a card or the like is determined. , Etc., to determine whether or not has the price required for settlement. Specifically, a credit card, a payment card capable of storing balance information, and the like are included.

According to such a configuration, in the case where the settlement means that requires the settlement judgment is included, the settlement means that requires the settlement judgment is selected, and it is determined that the settlement by the settlement means is impossible. Even in this case, another settlement means can be selected. Therefore, it is possible to prevent loss of opportunity such as purchase of a product due to the elimination of the settlement means for the settlement agent user, and to reduce loss of sales opportunity of the product due to the elimination of the settlement means for the settlement agent.

According to another aspect of the present invention, input means for inputting payment information and / or payment judgment information including entrustor identification information for identifying a settlement agent, and said entrustor identification information; Storage means for storing payment identification information including the amount to be paid by the payment agent user and payment / payment availability identification information for specifying the presence / absence of payment and / or the possibility of payment / payment, and the payment information and / or payment Based on the determination information, the payment specifying information stored in the storage means and the payment //
Payment processing means for associating the settlement possibility / impossibility identification information; output means for associating the payment / payment availability / non-presence information with the payment specifying information for each of the settlement agency consignors based on the consignor identification information; Transfer means for performing a transfer process selectively to the account of the payment agent and the account of the payment agent based on the value enjoyment information obtained from the payment agent user and specifying whether or not to enjoy the payment. And a settlement agency system provided with the following.

Here, the consideration relating to the settlement includes all the goods and services provided for the payment obtained from the settlement agency user, such as goods and services.

According to such a configuration, when the settlement agent user such as the consumer cannot receive the desired price, the procedure of giving a refund instruction is taken, thereby protecting the consumer and the like. be able to.

[0023] Preferably, the transfer means performs a transfer process to the account of the settlement agent user when the value receiving information indicating an intention not to receive the value is obtained before a predetermined period elapses. The transfer processing is performed to the account of the settlement agent in the case where the value enjoyment information indicating the intention to enjoy the price is acquired before the predetermined period elapses and / or when the predetermined period elapses. This allows
It is possible to protect consumers and the like for a predetermined period.

According to another aspect of the present invention, there is provided a receiving means for receiving order information from a settlement agent user, and an order acceptability judgment for urging a settlement agent consignee to judge whether an order can be accepted based on the order information. Means, and processing means for performing a payment proxy process between the payment proxy user and the payment proxy when receiving information indicating that an order can be received from the payment proxy. A settlement agent system is provided.

According to such a configuration, the settlement is performed after the settlement agent receives the order and then confirms, for example, the stock of the product and the securing of personnel for providing the service.
The settlement agent can provide compensation without constantly securing stocks and personnel. In particular, in the case of selling a product, it is not necessary to limit the sales volume by making the quantity of the product uniform after receiving the order, so that it is possible to expand sales opportunities. Further, in the case of providing a service, by securing personnel for providing the service after receiving an order, the limitation on the range in which the service can be provided is reduced, so that the opportunity to provide the service can be expanded.

The settlement agency system according to the present invention is also realized as a method for realizing the system.

Further, the present invention relating to an apparatus or a method is provided for causing a computer to execute a procedure corresponding to the present invention (or for causing a computer to function as means corresponding to the present invention, or for causing a computer to correspond to the present invention). And a computer-readable recording medium on which the program is recorded.

[0028]

Embodiments of the present invention will be described below with reference to the drawings.

(First Embodiment) FIG. 1 is a diagram showing the entire configuration of a settlement agency system according to a first embodiment of the present invention. As shown in FIG. 1, when performing a payment agent between a member store as a payment agent to settle the payment agent and a user as a payment agent user using the payment agent, the payment agent that performs the payment agent A proxy server 1, a member store terminal 2 that entrusts the payment agent to the payment agent server 1, a user terminal 3 that receives provision of goods from the member store using the payment agent, and a bank that performs the payment agent by bank transfer A server 4, a convenience store terminal 5 that performs a payment agent using a convenience store (hereinafter, referred to as CVS), a storage agent server 6 that performs a storage agent in a payment agent using a convenience store, and a payment agent using a credit card. A credit company server 8 is connected via a network 9. Although not shown, the member store terminal 2 includes an interface (browser) for connecting to the network 9. The member store terminal 2 can transmit and receive information to and from the network 9 via the browser.

FIG. 2 is a settlement agency server 1 according to the present embodiment.
FIG. 3 is a diagram showing an overall configuration of the embodiment. As shown in FIG. 2, a processor 11 that performs various processes required for the payment agency, a database 12 that is connected to the processor 11 and stores product order information received from the user terminal 3, and stores information from the network 9. It comprises an interface 13 for receiving and transmitting information to the network 9. The database 12 has recorded therein programs for performing various processes necessary for the payment agency, and the processor 11 executes the various processes by appropriately reading the programs.

Next, the settlement agency operation of this embodiment will be described with reference to FIGS. 3 to 5 which show timing charts of the settlement agency process. Unless otherwise indicated below, information exchange between each terminal and server is performed via the network 9. In the timing charts shown in FIGS. 3 to 5, transmission and reception of information via the network 9 are indicated by solid lines.
Exchanges of goods and the like that do not pass through the network 9 are indicated by broken lines.

There are three types of settlement agency methods in this embodiment: settlement by bank transfer (FIG. 3), settlement at a convenience store (FIG. 4), and settlement by a credit card (FIG. 5).

Note that, in order to perform the settlement agency in the present embodiment, the member store terminal 2 requests the registration to the settlement agency server 1 in advance. The settlement agency server 1 registers at least the designated account of the member store and the settlement means desired to be used, based on the request from the member store terminal 2. In the present embodiment, three types of bank transfer payment, convenience store payment, and credit card payment are registered.

(Bank Transfer Payment) In the case of performing payment by bank transfer, as shown in FIG. 3, when a connection request is made from the user terminal 3 to the member store terminal 2 in order to purchase goods from the member store, the member store A WEB page (commodity order page) is provided to the user terminal 3 by the terminal 2 (s1). Product WEB
The page includes product information for specifying a product to be traded, such as a product name, a product price, and the number of products.

When a product order is placed on the product order page by the user terminal 3, product order information (including product information, hereinafter simply referred to as product order information) is transmitted to the member store terminal 2. (S2). Upon receiving the order for the product, the member store terminal 2 transmits information indicating that the order for the product has been received to the settlement acting server 1 (s3). In response, the payment agent server 1 provides the user terminal 3 with a payment agent selection WEB page that prompts the user to select a payment agent means (s4). FIG. 9 shows an example of the payment proxy selection WEB page.

The user selects the bank transfer as the settlement means from the three types of settlement means displayed on the user terminal 3, namely, bank transfer settlement, convenience store settlement, and credit card settlement (s5). In response to this, the payment agent server 1 instructs the specific payment method by the selected bank transfer on the payment agent selection WEB page, and places an order mail (e-mai) including the specific payment method.
1) is transmitted to the user terminal 3 (s6). Further, the merchandise order information, the selected payment means and the specific payment method are registered in the database 12 connected to the payment acting server 1 (s7). The database 12 is associated with the product order information and the like, and is provided with payment / non-crediting information (hereinafter simply referred to as “payment presence / absence specifying information”) for specifying whether the product has been deposited into a bank-specified account and whether credit is possible. ), A payment status including transfer presence / absence specifying information for specifying whether or not there is a transfer from the operator of the server 1 to the member store designated account. This settlement status has three statuses: unpaid / paid / paid (transferred). At the time of this registration (s7), the settlement status is "unpaid".

The settlement agent server 1 is a member store terminal 2
Then, a confirmation notice of order reception for notifying that the order has been registered is transmitted (s8).

The user transfers the payment to the bank server 4 based on the payment method instruction and the order mail received from the payment agent server 1 (s9). This transfer will go directly to the bank branch, and will go directly to A
Regardless of whether the user inputs information necessary for the transfer to a terminal such as a TM or makes a transfer at a bank counter, the network 9
The transfer may be performed by transmitting the transfer information to the bank server 4 via the. In any case, the transfer processing is performed on the bank-designated account designated by the settlement agency server 1 in (s6).

After confirming the payment by the transfer by the user, the bank server 4 transmits the payment information to the settlement acting server 1 (s10). Based on this payment information and the product order information and the payment method registered in advance in the database 12 in (s7), it is determined whether or not both match. If they match, an erasing process is performed (s11), and a payment confirmation notice for notifying that payment has been made is transmitted to the member store terminal 2 (s12). The reconciliation process is
This refers to associating product order information registered in advance in the database 12 of the settlement acting server 1 with payment presence / absence information indicating that payment has been confirmed. Specifically, the settlement status “unpaid” registered in the database 12 is updated to “paid”.

Upon receiving the payment confirmation notice, the member store provides the product to the user (s13). Offer of this product,
The delivery may be performed without passing through the network 9, or the member store terminal 2 may transmit the electronic data to the user terminal 3 via the network 9. The same applies to the following embodiments.

On the other hand, the settlement agency server 1 which has transmitted the payment confirmation notice performs a transfer process from the bank designated account to the member store designated account owned by the member store (s14). Along with the transfer to the member store designated account, transfer information indicating that the transfer processing has been performed is transmitted to the member store terminal 2. At the same time as this transfer processing, the database 12 of the settlement agency server 1
Is updated to "payment completed" (s1
5). It should be noted that the transfer processing to the member store designated account by the server 1 is actually performed by the bank branch to the member store designated account based on the transfer information transmitted to the bank server 4. Of course, the bank branch to which the server 1 requests the transfer need not be the same as the bank branch to which the user has made the transfer. The same applies to the following embodiments.

The steps of transmitting information to the member store terminal 2, such as the above-mentioned order confirmation notice (s8), transmission of payment information (s10), and transmission of transfer information (s14), are not necessarily steps shown in FIG. For example, in response to a browsing request from the member store terminal 2, a web page on which information indicating that the order has been registered, payment information, and transfer information may be provided. Further, such browsing is not limited to being performed by the member store terminal 2. For example, a case where a registration number is given to a member store at the time of registration with the password or the server 1 and the browsing is requested by a terminal other than the member store terminal 2 is also included. The same applies to the following embodiments. WEB including transfer information etc. obtained by browsing
FIG. 10 shows an example of the page. The web shown in FIG.
The page displays not only transfer information by bank transfer but also transfer information by convenience store payment or credit card payment, so it is possible to easily and centrally grasp payments and transfers from multiple payment methods. Can be.

(Convenience Store Payment) When performing payment at a convenience store, as shown in FIG.
The steps from (s1) to (s4) are the same as in the case of bank transfer.

The user selects the convenience store settlement as the settlement means from the three types of settlement means displayed on the user terminal 3, ie, bank transfer settlement, convenience store settlement, and credit card settlement (s31). In response, the payment agent server 1 instructs the specific payment method by the selected convenience store on the payment agent selection WEB page, and transmits an order mail including the specific payment method to the user terminal 3. Yes (s3
2). Further, the merchandise order information, the selected payment means and the specific payment method are registered in the database 12 connected to the payment acting server 1 in association with the payment status (s33). Further, the settlement agent server 1 provides the user with a payment slip that can be paid at the convenience store by mail or the like (s34). The payment slip is provided to the user not only in the case where the payment slip is provided as a paper medium by mail or the like, but also in the case where the format of the payment slip is converted into electronic data in the user terminal 3.
May be transmitted to the user terminal 3 for printing.

The settlement server 1 is a member store terminal 2
Then, an order reception confirmation notification for notifying that the order has been registered is transmitted (s35). It should be noted that this confirmation of order acceptance may be made before the payment slip is provided.

The user receiving the payment slip pays the price at, for example, a convenience store (s3).
6). When the payment is completed, the payment information input to the convenience store terminal 5 provided in the convenience store is transmitted to the storage agent server 6 (s3).
7). The storage agent server 6 transmits the payment information received from each convenience store terminal 5 to the settlement agent server 1 (s38). The settlement agency server 1 performs the application process by associating the received payment information with the product order information (s
39), and transmits payment confirmation information indicating that the payment has been completed to the member store terminal 2 (s40). Merchant terminal 2
Upon receiving the payment confirmation information, the product is provided to the user (s41).

It should be noted that after the provision of this product (s41), after the clearing process (s39), or simultaneously with the transmission of the payment information (s37, 38), the convenience store terminal 5 sends it to the storage agent server 6 via the storage agent server 6. A transfer is made to the bank designated account of the settlement acting server 1 (s42, 43).
The transfer to the bank designated account may use a deposit account transfer from the designated account of the convenience store. Then, the settlement acting server 1 performs a transfer process to the designated account of the member store terminal 2 (s44). The settlement agent server 1 further includes:
At the same time as the transfer processing, the settlement status associated with the product order information in the database 12 to be transferred is updated to “payment completed” (s45).

(Credit Payment) When performing payment by credit card, as shown in FIG. 5, (s1) to (s1)
Steps up to 4) are the same as in the case of bank transfer.

The user selects a credit card payment as a payment means from the three types of payment means displayed on the user terminal 3, ie, bank transfer payment, convenience store payment, and credit card payment (s51). Also, when a credit card is selected as a payment method,
The user is prompted for a credit number (s52). Upon receiving this request, the user terminal 3 transmits the credit number (s
53). Note that the transmission of the credit number and the transmission of the information indicating that the credit card settlement means has been selected may be simultaneous.

The payment acting server 1 receives this credit number, and registers this credit number in the database 12 connected to the payment acting server 1 (s54). In addition,
In (s54), not only the credit number but also the order of the product is registered in the same manner as in the case of bank settlement (s7).
The settlement status of the database 12 is “unpaid”.
It becomes.

The credit number is transmitted to the credit company server 8, and a credit request is made (s55). The credit company server 8 searches for a credit information from a database (not shown), checks the credit number included in the credit information with the credit number transmitted from the settlement agency server 1,
If they match, a determination is made as to whether credit is possible with respect to the product order information transmitted from the settlement agency server 1 (s56),
This determination result is transmitted to the settlement acting server 1 (s5
7). The settlement acting server 1 transmits this determination result to the user terminal 3 by e-mail, for example (s58), and also transmits the result to the member store terminal 2 (s59).

In the case of the result of the determination that the credit is unacceptable, the settlement proxy server 1 prompts the user to select the settlement means together with the transmission of the credit judgment result, as in (s4). Further, when the settlement proxy server 1 receives the result of the determination of the impossibility of credit, the settlement status “unpaid” of the database 12 is updated to “impossible of credit”. As a result, the user can select a different payment means and purchase a product. More specifically, the e-mail transmitted from the settlement agency server 1 in (s58)
, The user is prompted to select a settlement means, and this e-
The payment proxy web page linked to the mail is accessed, and the same payment method as in (s4) can be selected based on the payment proxy web page.

In the case of proceeding to the step of selecting the settlement means, the process of bank transfer settlement or convenience store settlement can be proceeded by the same steps as the steps after (s4). Further, when the settlement agency server 1 receives the result of the determination of credit permission, the product order information related to the credit stored in the database 12 contains “Credit permission”.
Perform the reconciliation process that links the settlement status of (s
60). As a result, the settlement status “unpaid” stored in the database 12 is updated to “creditable”.

When the member store terminal 2 obtains the result of the determination in (s59) that credit is possible, it provides the product to the user (s61). On the other hand, the member store terminal 2 makes a sales request to the credit company server 8 via the settlement agency server 1 after shipping the product (s62, s63). In response to the sales request, the credit company server 8 performs a debit process from the user's designated account. After the withdrawal process, the credit company performs a transfer process to the bank designated account of the settlement acting server 1 (s64). Note that a deposit account transfer from a designated account of the credit company to a designated account of the server 1 may be performed. The settlement agency server 1 performs a transfer process to the member store designated account of the member store terminal 2 (s65). At the same time as the transfer process, the settlement acting server 1 updates the settlement status associated with the product order information in the database 12 to be transferred to “payment completed” (s66).

It should be noted that the transfer of the transfer information to the member store terminal 2 in the bank transfer settlement, the CVS settlement, and the credit card settlement is desirably provided to the member store terminal 2 as a list for each settlement means, for example. .

It is preferable that the settlement agency server 1 always provides the member store terminal 2 with a settlement status relating to the product for which the order reception of the product has been registered in response to the browse request from the member store terminal 2. By providing the settlement status to the member store terminal 2 in association with each order, the member store terminal 2 can centrally and reliably manage the settlement status by each settlement unit. It is desirable that this browsing request can be made at any time after order registration.

As described above, since the user can freely select a plurality of settlement means, it is possible to prevent loss of a purchase opportunity for a product. In addition, since a payment method convenient for the user can be freely selected, a payment method according to the user's request, such as a payment method with a low fee or a payment method with convenient procedures, can be used.

On the other hand, the merchant can sell a product in which a plurality of settlement means can be freely used without having to individually sign a contract with each settlement means only by registering once with the settlement agency server 1. . Therefore, the loss of the sales opportunity of the product can be reduced. In addition, since the member store can outsource the settlement at a very low price as compared to constructing the system by itself, a large amount of hardware, software and system development costs are not required. In addition, in response to the browsing request from the member store terminal 2, the transfer information is collectively output for each settlement means, and the transfer information for each settlement means is collectively viewed from the member store terminal 2 as a list. This makes it possible for the member store to check the transfer information more conveniently. Of course, since the merchant can sell the merchandise via the network 9 without performing any settlement processing, the barrier to entry of the merchant into the electronic commerce market is reduced.

In addition, when the settlement agency server 1 is operated by a highly trusted organization such as a bank, the credit number or the like provided by the user is transmitted to the network 9 without passing through another institution where it is difficult to determine the presence or absence of credit. Sent and received via
Therefore, the user can use the settlement using the credit card or the like with confidence.

(Second Embodiment) The present embodiment relates to a modification of the first embodiment. In the present embodiment, a procedure for instructing a refund to its own bank account is performed when the acquisition of the product is not completed or the desired product cannot be obtained.

FIG. 6 is a diagram showing a timing chart of the settlement processing according to the present embodiment. In FIG. 6, the user terminal 3
Will be described in the case where the bank transfer is selected.

As shown in FIG. 6, (s1) to (s13)
Steps up to are the same as those in FIG. In the present embodiment,
In (s5), the settlement acting server 1 prompts the user terminal 3 to select a settlement acting means, and requests selection of whether a refund instruction is desired or not.

When the user terminal 3 transmits information indicating that a refund instruction is desired (refund request instruction information), the refund request instruction information is stored in the database 12 of the settlement agency server 1 in association with the product order information. You. Also, (s1
In the clearing process in 1), the settlement agency server 1 sets the settlement status to a paid-in state (waiting for transfer). In the present embodiment, the settlement status associated with the product order information in the database 12 is “unpaid / paid / paid” /
It consists of four statuses of refunded, and the settlement process updates the settlement status “unpaid” to “paid”.

After the payment agent server 1 sends the payment confirmation notice in (s 12) to the member store terminal 2, the payment agent server 1 sends an e-mail to the user terminal 3 for accepting the product. (S71).

On the other hand, the user determines whether or not he / she wants to enjoy the price paid, that is, whether or not to receive or return the product received in (s13) in this case.
The user terminal 3 transmits information indicating whether the customer wants to return the product or to receive the product (information on whether the product can be received) to the payment acting server 1 by the product reception availability mail (s72).
Note that this product reception availability information may be a reply mail to the product reception availability email. In addition, the U which specifies the settlement agency server 1 stored in the product reception availability mail is
Commodity reception availability information may be transmitted to the settlement agent server 1 based on the RL address.

In the case of a return request, the user further returns the merchandise to the member store without passing through the network 9 (s7).
3). In the case where the merchandise receivability information indicates a return request, the settlement agent server 1 receives a return notification from the member store terminal 2 indicating a willingness to not enjoy the payment, and then performs a transfer process from the bank designated account to the user designated account. Is performed (s74). Thus, the refund process ends. Along with this transfer process, the settlement agency server 1 updates the settlement status “paid” associated with the product order information of the database 12 to be refunded to “refunded” (s75).

The payment acting server 1 determines whether the goods reception availability information indicates that the goods are to be received or that the goods are to be received, or when a certain period has passed (s14).
To perform the transfer process from the bank designated account to the member store designated account. Along with the transfer to the member store designated account, the settlement agency server 1 updates the settlement status “paid” associated with the product information in the database 12 to “payment completed” (s15). FIG. 7 shows a timing chart in the case of requesting product reception.

As described above, according to the present embodiment,
The payment agent server 1 stores and stores the product price, and when the user who is the product purchaser does not complete the acquisition of the desired product, a procedure for issuing a refund instruction to his / her own bank account can be performed. Thus, it is possible to protect a user who is a consumer. As a result, it is possible to purchase the product without the user having a defect of the product or anxiety of the non-arrival of the product due to the fact that the simultaneous execution of the settlement peculiar to the transaction between the aliens is not performed. As a result, opportunities for commercial transactions using the settlement system can be expanded.

In this embodiment, the e-mail prompts the user to transmit the information on whether or not to receive the merchandise. However, the settlement agency server 1 uses another method (FAX, telephone, WEB).
Page or the like).

Also, whether or not a product has been returned is determined based on only the information on whether or not the product can be received. For example, the user terminal 3 is provided with a reason for the return in the information on whether or not the product can be received. The store terminal 2 and / or the settlement agency server 1 may determine whether or not the return is possible.

Although the present invention is applied to the bank transfer settlement, the CVS settlement and the credit card settlement are also prompted in (s5) to input return request instruction information.
It is a matter of course that the same effect as above can be obtained by suspending the transfer to the member store designated account.

(Third Embodiment) The present embodiment relates to a modification of the first embodiment. The present embodiment relates to a mode in which a product is sold without always securing inventory of the product to be sold.

FIG. 8 is a timing chart of the settlement agency according to the present embodiment. FIG. 8 shows an example in which bank transfer settlement is selected.

As shown in FIG. 8, the steps (s1) to (s3) are the same as those in FIG. After the product order information is transmitted from the user terminal 3 in (s3), the payment acting server 1
Transmits an order mail including product order information to the member store terminal 2 (s81). The member store receiving the order mail confirms whether or not the ordered product is in stock (s8).
2) The order acceptance information indicating that the order is accepted when the stock is secured is transmitted to the settlement acting server 1 (s83). The transmission of the order acceptance information is preferably a reply mail to the order mail. Also, a URL for specifying the settlement agent server 1 stored in the order mail
The order acceptance information may be transmitted to the settlement agent server 1 based on the address.

After receiving the order acceptance information, the settlement agency server 1 sends an order confirmation mail indicating that the order has been accepted to the user terminal 3 (s84).
The user terminal 3 that has confirmed that the order has been accepted by the order confirmation mail again makes a payment proxy request to the payment proxy server 1 (s85). This settlement request is
It is preferable that a link can be made from the order confirmation mail so that the payment agent selection server 1 of the payment agent server 1 can be accessed.

As steps after the settlement proxy request, the steps from (s4) to (s14) are executed as in FIG.

As described above, according to the present embodiment,
After checking the stock after the member store receives the order, it is possible to proceed to the settlement process, so that it is possible to sell even a product for which it cannot be confirmed that the stock is actually secured. Therefore, the member store does not need to keep stock at all times. In addition, the sales quantity of the product is also adjusted according to the order, and there is no need to limit the sales quantity, so that it is possible to expand sales opportunities.

It is needless to say that the present invention can be applied not only to inventory of goods but also to securing personnel for providing services.

As described above, according to the present invention, the user can use the substitute settlement by three different settlement means simply by selecting the settlement means using the browser. In addition, the member store can entrust the substitute settlement by three different settlement means only by registering in advance from the member store terminal 2 to the settlement agent server 1. At this time,
When two different settlement means are entrusted, settlement information by each settlement means can be collectively transferred to one designated account by only one registration. Therefore, it is possible for both the user and the member store to perform highly convenient agency settlement.

The present invention is not limited to the above embodiment. Three types of payment methods, bank transfer, convenience store, and credit card are shown as examples.
Electronic money, postal transfer, debit payment, deposit account transfer,
The present invention can be applied to various settlements such as cash on delivery.

Further, the case where the substitute payment is used for the purchase of the commodity has been described. However, the present invention can be applied to all other transactions in which the payment of the price is performed, such as enjoying services.

Further, a case has been described in which a program for executing the functions of the present invention is installed in the processor 11 and the functions of the present invention are executed by the programs. For example, a computer-readable recording medium on which these programs are recorded may be used. The function may be read from a recording medium reading device (not shown) of the server 1 and the processor 11 may execute the function.

FIG. 1 shows an example in which each terminal and each server are connected via a network 9, but this network 9 may be the Internet, and the connection may be in a wired or wireless manner. Further, the settlement agency server 1 and the bank server 4 may be connected via a dedicated line, and the bank server 4 may be connected to the settlement agency server 1 via a different network without being connected to the network 9. Although FIG. 1 shows each terminal and each server as a single case, the member store terminal 2, the user terminal 3, the bank server 4, the convenience store terminal 5 and the like may be connected to the plurality of networks 9 respectively. Good.

Note that in the case of settlement using a debit card, the difference is that a balance confirmation judgment is made instead of the judgment of creditability in the case of credit card settlement, but other processing is the processing required for the credit card settlement. And common.

Further, the list of the merchandise order information and the settlement status, which indicate whether or not there is a deposit / transfer, etc., which can be centrally managed and provided to the member store, is not only output as electronic data to an output means such as a CRT display, but also outputted. It may be output as a paper medium and mailed to the member store.

Further, the delivery of the goods may be performed via the network 9 or not. For example, delivery not via the network 9 includes delivery of goods by a delivery company, and delivery via the network 9 includes content (eg, music data, image data, programs, etc.) including electronic information that can be transmitted via the network 9. ). In addition to providing goods, providing services is also included.

The return notification after (s73) of the second embodiment may be made by telephone, fax, mail or the like.

[0088]

As described above in detail, according to the present invention, there is provided a payment agency system which is highly convenient for a product purchaser and a product seller.

[Brief description of the drawings]

FIG. 1 is a diagram showing an overall configuration of a settlement agency system according to a first embodiment of the present invention.

FIG. 2 is an exemplary view showing an entire configuration of a payment acting server 1 according to the embodiment;

FIG. 3 is a diagram showing a timing chart of a settlement agency by bank transfer.

FIG. 4 is a diagram showing a timing chart of a settlement agency by CVS settlement.

FIG. 5 is a diagram showing a timing chart of a payment agency by credit card payment.

FIG. 6 is a diagram showing a timing chart of a settlement agency using a bank transfer according to a second embodiment of the present invention.

FIG. 7 is an exemplary view showing a timing chart of a settlement agency in the case where a commodity receiving request is made according to the embodiment;

FIG. 8 is a diagram showing a timing chart of a settlement agency using bank transfer settlement according to a third embodiment of the present invention.

FIG. 9 is a diagram illustrating an example of a payment proxy web page.

FIG. 10 is a view showing an example of a web page displayed in response to a browse request by a member store.

[Explanation of symbols]

 DESCRIPTION OF SYMBOLS 1 ... Payment agency server 2 ... Merchant terminal 3 ... User terminal 4 ... Bank server 5 ... Convenience store terminal 6 ... Storage agency server 8 ... Credit company server 9 ... Network 11 ... Processor 12 ... Database 13 ... Interface

Claims (24)

[Claims] 1. An input means for inputting payment information and / or settlement determination information by at least two settlement means including a settled party identification information for identifying a settled settlement agent, said settled party identification information, and a settlement agency user Payment identification information, including the amount to be paid by
Storage means for storing payment / payment permission / inhibition identification information for specifying payment permission / non-permission; and, based on the payment information and / or payment determination information, payment specification information stored in the storage means and payment and / or Payment processing means for associating payment / payment permission / inhibition identification information indicating that payment has been permitted; and the payment / payment permission / inhibition identification information in the payment identification information for each of the payment subcontractors based on the consignor identification information. And an output means for outputting the information in association with the payment. 2. The settlement agency system according to claim 1, wherein the output unit collects and outputs the payment / payment availability presence / absence identification information of each settlement unit. 3. The payment agent system further outputs the payment information and / or payment determination information,
2. The settlement agency system according to claim 1, further comprising a transfer unit that performs a transfer process on the account of the settlement agency based on the payment information and / or the settlement determination information. 3. 4. The storage means is provided with transfer presence / absence specifying information for specifying the presence / absence of a transfer to a payment agent, and the output means includes the transfer specific information to the payment specifying information. The settlement agency system according to claim 1, wherein the presence / absence identification information is output in association with the information. 5. The settlement agent system, wherein at least one of the plurality of settlement units is a settlement unit that requires a settlement judgment, and the settlement agent system further includes a settlement agent user when the settlement judgment result indicates that settlement is impossible. 2. The settlement agency system according to claim 1, further comprising a settlement unit selection unit that prompts the user to use a different settlement unit. 6. An input means for inputting payment information and / or settlement judgment information including entrustor identification information for identifying the settlement agent, and said inputting means and said amount to be paid by said settlement agent user. Payment specific information, including payment status and / or
Storage means for storing payment / payment permission / inhibition identification information for specifying payment permission / non-permission; and, based on the payment information and / or payment determination information, payment specification information stored in the storage means and payment and / or Payment processing means for associating payment / payment permission / inhibition identification information indicating that payment has been permitted; and the payment / payment permission / inhibition identification information in the payment identification information for each of the payment subcontractors based on the consignor identification information. Output means for associating and outputting the settlement agent and the settlement agent user's account based on the value enjoyment information obtained from the settlement agent user and specifying whether or not to receive the payment for the settlement. And a transfer means for selectively performing a transfer process to the settlement agent system. 7. The method according to claim 1, wherein the transfer means performs a transfer process to the account of the settlement agency user when the value receiving information indicating an intention not to receive the value is acquired before a predetermined period elapses. 7. The settlement agency system according to claim 6, wherein 8. The transfer agent outsourcing means when the transfer means obtains the value enjoyment information indicating an intention to enjoy the payment before a predetermined period elapses and / or when a predetermined period elapses. 7. The settlement agency system according to claim 6, wherein a transfer process is performed to a user's account. 9. Receiving means for receiving order information from a settlement agent user, order acceptability determining means for prompting a settlement agent to determine whether or not an order can be accepted based on the order information, A settlement agency system, comprising: a processor that performs a settlement agency process between the settlement agency user and the settlement agency consignor when receiving information indicating that the settlement is possible. 10. A step of inputting deposit information and / or settlement judgment information by at least two settlement means including settler identification information for identifying a settlement agency settlor, and based on the deposit information and / or settlement judgment information. A storage unit that stores the client identification information, payment specifying information including the amount to be paid by the payment agent user, and payment / payment availability presence / absence identification information that specifies the presence or absence of payment and / or the possibility of payment. Associating the stored payment specifying information with payment / payment availability identification information indicating that payment and / or payment has been permitted; and specifying the payment for each of the payment agency consignors based on the consignor identification information. Outputting the payment / payment possibility presence / absence identification information in association with the information. 11. The settlement proxy method according to claim 10, wherein the output step collects and outputs the payment / payment availability determination information by each settlement unit. 12. The method according to claim 1, further comprising the step of outputting the deposit information and / or the settlement judgment information and performing a transfer process to the account of the settlement agent based on the deposit information and / or the settlement judgment information. The settlement agency method according to claim 10, wherein: 13. The storage means is provided with transfer presence / absence specifying information for specifying the presence / absence of a transfer to a payment agent, and the output step includes: The method according to claim 10, wherein the specific information is output in association with the specific information. 14. The settlement proxy method, wherein at least one of the plurality of settlement units is a settlement unit that requires a settlement decision, and the settlement agency method further includes the settlement agency user when the settlement decision result indicates that settlement is impossible. The method according to claim 10, further comprising the step of: prompting the user to use a different settlement means. 15. A step of inputting payment information and / or payment judgment information including entrustor identification information for identifying a settlement agency, and said entrustor identification information based on said payment information and / or settlement judgment information. And payment specification information stored in a storage unit that stores the payment specifying information including the amount to be paid by the payment proxy user and the payment / payment presence / absence identification information for specifying the presence or absence of payment and / or the possibility of payment. Associating payment / payment permission / inhibition identification information indicating that payment and / or payment has been permitted with the payment specifying information in the payment specifying information for each of the payment subcontractors based on the consignor identification information. Outputting the presence / absence identification information in association with each other; and based on the price enjoyment information acquired from the payment agent user and specifying whether or not to enjoy the payment related to the payment. A step of selectively performing a transfer process to the account of the settlement agent and the account of the settlement agent user. 16. The method according to claim 16, wherein, in the transfer processing step, the transfer processing is performed to the account of the settlement agent user when the value enjoyment information indicating an intention not to receive the charge is acquired before a predetermined period elapses. The settlement proxy method according to claim 15, wherein 17. The method according to claim 17, wherein the transfer processing step includes the step of: obtaining the value receiving information indicating an intention not to receive the value before the predetermined period elapses and / or the time when the predetermined period elapses. 16. The settlement agency method according to claim 15, wherein a transfer process is performed to a trustee's account. 18. A step of prompting transmission of order information from the settlement agent user, a step of prompting the settlement agent to determine whether or not the order can be accepted based on the order information, and an order can be accepted from the settlement agent. Performing a payment proxy process between the payment proxy user and the payment proxy consignor when receiving the information indicating that the payment proxy information is received. 19. A recording medium on which a settlement agent program is recorded, wherein inputting payment information and / or settlement judgment information by at least two settlement means including entrustor identification information for identifying an settlement agent. Based on the payment information and / or the payment determination information, the client identification information, payment specifying information including the amount to be paid by the payment proxy user, and payment / payment specifying whether or not payment has been made and / or whether payment is possible. Associating the payment specifying information stored in the storage unit that stores the permission / non-permission identification information with the payment / payment permission / inhibition identification information indicating that payment and / or payment is permitted; Outputting the payment / payment availability identification information to the payment specifying information for each payment agent based on And a computer-readable recording medium on which a settlement agent program for realizing the above is recorded. 20. A recording medium on which a payment agent program is recorded, the method comprising the steps of: inputting payment information and / or payment judgment information including entrustor identification information for identifying the settlement agent consignor; Based on the settlement judgment information, the client identification information, the payment specifying information including the amount to be paid by the settlement agent user, and the payment / payment presence / absence identification information for specifying the presence or absence of payment and / or the possibility of payment. Associating payment / payment permission / inhibition identification information indicating that payment and / or payment has been permitted with the payment specifying information stored in the storage means for storing and storing the payment specifying information; Outputting the payment identification information with the payment / payment permission / inhibition identification information for each payment, and acquiring and paying from the payment agent user A payment agent program for realizing the step of selectively performing a transfer process to the account of the agent for payment agent and the account of the agent for payment agent based on the value enjoyment information for specifying whether or not the user can receive the value. Computer readable recording medium. 21. A recording medium on which a settlement agent program is recorded, wherein the step of prompting transmission of order information from the settlement agent user, and prompting the settlement agent consignor to determine whether or not the order can be accepted based on the order information. And when receiving information indicating that an order can be received from the settlement agent, the step of performing settlement agent processing between the settlement agent user and the settlement agent is realized. Computer-readable recording medium on which a payment agent program for recording is recorded. 22. A step of causing a computer to input deposit information and / or settlement judgment information of at least two settlement means including entrustor identification information for identifying a settlement agency, and said deposit information and / or settlement judgment information. And stores the client identification information, payment identification information including the amount to be paid by the settlement agent user, and payment / settlement availability identification information for specifying the presence or absence of payment and / or the possibility of settlement. Associating the payment specifying information stored in the storage means with the deposit / payment permission / inhibition identification information indicating that payment and / or settlement is permitted; and for each of the payment subcontractors based on the consignor identification information. Causing the payment identification information to be associated with the payment / settlement availability identification information, and outputting the payment identification information. Program. 23. A step of inputting deposit information and / or settlement judgment information including a settlor identification information for identifying a settlement agent to a computer into the computer, and based on the deposit information and / or settlement judgment information, The user identification information, the payment specifying information including the amount to be paid by the settlement agent user, and the payment / payment availability presence / absence identification information for specifying the presence / absence of payment and / or the possibility of payment / payment are stored in association with the storage unit. Associating payment / payment permission / inhibition identification information indicating that payment and / or payment has been permitted with the payment specifying information; and depositing the payment specifying information for each of the payment agency consignors based on the consignor identification information. And outputting the identification information as to whether or not payment is possible, and specifying whether or not to receive the payment related to the payment obtained from the payment proxy user. Based on the consideration necessary information, settlement agent program for executing and performing a selective transfer process to the settlement agent commission's account and the settlement agent the user's account. 24. A step of prompting a computer to transmit order information from a settlement agent user; a step of prompting a settlement agent to determine whether an order can be accepted based on the order information; And receiving the information indicating that an order can be received from the settlement agent, and performing a settlement agent process between the settlement agent user and the settlement agent consignor.