JP2002236862A - Settlement executing site, settling system, settling method, recording medium and program - Google Patents

Abstract

PROBLEM TO BE SOLVED: To unitarily hold and control settlement information such as a credit card number without dispersively holding and controlling the settlement information such as the credit card number with respective servers. SOLUTION: A site for settling by using the settlement information comprises a storage device for correspondingly storing user ID and the settlement information, a communication means for executing data communication between the means and a commodity selling site, a readout means for reading the settlement information corresponding to the acquired user ID from the storage device by acquiring the user ID transmitted from the commodity selling site via the communication means, and a settling means for settling a buying commodity by using the read settlement information.

Description

DETAILED DESCRIPTION OF THE INVENTION

[0001]

BACKGROUND OF THE INVENTION 1. Field of the Invention The present invention relates to a payment system having a user terminal, a product sales site, and a predetermined site.

[0002]

2. Description of the Related Art Conventionally, as a method for performing payment of a product purchase price without transmitting and receiving payment information such as a credit card number over a network such as the Internet, for example, a method described in Japanese Patent Application Laid-Open No. 11-161717 is disclosed. It has been known.

[0003] In the method described in the publication, a purchaser ID assigned to a client is transmitted to a server instead of a credit card number, and the server specifies the credit card number based on the received purchaser ID. Payment. The server is provided with a database in which credit card numbers are registered, and the server specifies the credit card number from the receiving purchaser ID using the database. In this way, the settlement is performed without transmitting and receiving the credit card number on the network.

[0004] However, according to the method described in the publication,
Since the credit card number is registered for each server that performs settlement in the same way, when such servers increase, the credit card number is distributed and maintained for each server, and security is increased. There is a problem that it is not preferable in terms of surface.

[0005] Further, the fact that the credit card number is held and managed in a distributed manner for each server as described above means that a product purchaser can use a credit card (for example, a new credit card) different from the credit card registered in the server. In order to change the payment so that the payment is made with a credit card contracted to the company, it is necessary to notify all the servers of the change in the credit card number, and there is a problem that the procedure is complicated.

[0006]

SUMMARY OF THE INVENTION An object of the present invention is to centrally store and manage payment information such as credit card numbers without distributing and storing the information for each server. Note that the settlement information includes a bank account number in addition to the credit card number.

[0007]

SUMMARY OF THE INVENTION The present invention relates to a payment execution site for performing payment using payment information.
A storage device that stores D and payment information in association with each other, a communication unit that performs data communication with the product sales site, and a user ID that is transmitted from the product sales site via the communication unit. A reading unit for reading out the payment information corresponding to the acquired user ID from the storage device; and a payment unit for performing payment of the purchased product using the read payment information.

According to the present invention, the storage device in which the user ID and the settlement information such as the credit card number are stored in association with each other is provided only at the settlement execution site such as the card company site. For this reason, it is possible to centrally hold and manage payment information such as a credit card number without distributing and maintaining the information for each server (product sales site).

[0009]

DETAILED DESCRIPTION OF THE PREFERRED EMBODIMENTS Hereinafter, a payment system according to an embodiment of the present invention will be described with reference to the drawings.

FIG. 1 is a diagram showing a schematic system configuration of the present system. The system includes a user terminal 100,
It comprises a partner site 200 as a product sales site and a card company site 300 as a predetermined site. The user terminal 100 and the partner site 200 are connected via a communication line such as the Internet N,
Each has communication means for performing data communication with each other. In addition, partner site 200 and card company site 30
0 is connected via a communication line such as a dedicated line,
Each has communication means for performing data communication with each other.

The user terminal 100 is an information terminal such as a personal computer having a communication function, and includes input means such as a keyboard and a mouse capable of inputting data, and a CRT.
Etc., and a hard disk device. This hard disk device includes Windows (registered trademark) 200 as an operating system (OS).
0, Windows ME, Windows 98, UNI
X (registered trademark), LINUX, and the like are installed, and a browser program is further installed on these OSs. A user ID storage unit 101 is provided in a predetermined area of the hard disk device. The user ID storage unit 101 stores a user ID input through an input unit.

The partner site 200 has a Web server 2
01, the authentication server 202, and the database server 20
3 are provided. The Web server 201 includes a mainframe having a central processing unit (CPU), a general-purpose computer or a personal computer, and a hard disk device. In the hard disk device of the Web server 201, a server program and a database management program are installed on a predetermined OS.

The hard disk device of the Web server 201 has at least HTML (Hyper Text Markup Laptop) as display data for an ID / password input screen.
nguage) file and an HTML file as display data of a product purchase screen. In addition, these screens are displayed in a predetermined CGI (Common Gateway Interface).
It may be generated dynamically by executing a program. Further, a user ID storage unit 201a is provided in a predetermined area of the hard disk device of the Web server 201. The user ID received from the user terminal 100 is temporarily stored in the user ID storage unit 201a.

The authentication server 202 has a central processing unit (CP)
U), a mainframe, a general-purpose computer or a personal computer, and a hard disk device. In the hard disk device of the authentication server 202, a server program and a personal authentication program are installed on a predetermined OS.

The database server 203 is composed of a mainframe having a central processing unit (CPU), a general-purpose computer or a personal computer, and a hard disk device. In the hard disk device of the database server 203, a server program and a database management program are installed on a predetermined OS. A database 203a of member information is stored in the hard disk device of the database server 203, and a member ID, a user ID,
And a password is registered. This member information
It is acquired at a predetermined timing from the database server 302 of the card company site 300 and registered (or stored).

The Web server 201 and the authentication server 2
Although the description has been made assuming that the computer 02 and the database server 203 are configured by individual computers and hard disk devices as described above, they may be configured by a single computer and a hard disk device.

The card company site 300 is provided with an application server 301 and a database server 302.

The application server 301 is composed of a mainframe having a central processing unit (CPU), a general-purpose computer or a personal computer, and a hard disk device. In the hard disk device of the application server 301, a server program and a payment program 301a are installed on a predetermined OS.

The database server 302 includes a mainframe having a central processing unit (CPU), a general-purpose computer or a personal computer, and a hard disk device. Database server 302
In the hard disk device, a server program and a database management program are installed on a predetermined OS.

A database 302a of member information is stored in the hard disk device of the database server 302. As member information, a user ID, a password, a second password, a credit card number, a credit The card name and the expiration date of the credit card number are registered. In addition, even if a member holds a credit card for each of a plurality of credit card companies or a single credit card company, a plurality of credit cards (for example, a gold card, General card)
For example, when a user ID is held, a plurality of credit card numbers, credit card names, and an expiration date of the credit card are registered for one user ID.

A unique user ID issued for each member, a credit card number and an expiration date are registered in the database server 302.
The customer can arbitrarily set the password and the second password, and if there is another credit card to be used, the customer can enter the credit card name, credit card number,
When the expiration date and the expiration date are entered in a predetermined column of the credit card membership application form and mailed to a predetermined destination (a credit card company or the like), the operator registers the expiration date in the member information database 302a. At this time, it may be performed not by writing but by telephone, facsimile, or on the Internet. The password, and
The second password may be set without fail in order to improve security, or may be a system without setting.

Some or all of the user ID and password registered in the member information database 302a are:
It is transmitted to the partner site 200 at a predetermined timing and registered (or stored) in the database 203a. For this reason, the ID and password registered in the database 203a are the same as those registered in the member information database 302a.

The user ID registered in the database 203a is mainly used to authenticate the user terminal 100 that has accessed the partner site 200, while the user ID registered in the database 302a of the card company site 300 is , Mainly used to specify a credit card number. Since both user IDs are the same as described above, if the user (member) inputs the user ID to log in to the partner site 200, the user (member) is first input without inputting the payment ID. It is possible to make a payment by the user ID (user ID input to log in).

The second password is used to confirm whether or not the person making the payment is the person. The credit card name is used to determine the name of the credit card held by the member. For example, the member information 302a shown in the upper left of FIG. 1 indicates that the member assigned the user ID 1 has one of the
2 indicates that the member who is given possesses two cards, a XX card and a XX card. Note that, instead of the credit card name, data specifying the credit card name owned by the user (for example, a unique number assigned to each credit card name) may be registered.

Although the application server 301 and the database server 302 have been described as being composed of individual computers and hard disk devices as described above, they may be composed of a single computer and hard disk device. .

Next, the operation of the payment system having the above configuration will be described with reference to FIGS. 1 and 2 are flowcharts for explaining the operation of the network-type payment system having the above configuration.

First, a browser program is started on the user terminal 100, and a predetermined URL of the partner site 200 is
(Uniform Resource Locator) is input and the Web
The server 201 distributes an HTML file (here, an HTML file as data for displaying an ID / password input screen) specified by the input URL to the user terminal 100.

The user terminal 100 receives the distributed HTM
Interpret L file by browser program and ID
・ Display the password input screen. This ID / password input screen is configured as follows.

(1) At least input fields for ID and password are displayed. (2) User I entered
D is stored in the ID storage unit 101. (3) User ID
A "login" button is displayed on the same screen as the password and password entry fields. (4) When it is detected that the “login” button is instructed (clicked) with the mouse after inputting the user ID and the password, the input user ID and password are transmitted to the Web server 201.

When a user ID and a password are input through the ID / password input screen, and it is detected that the "login" button is instructed with a mouse,
The input user ID and password are transmitted to the Web server 201.

The Web server 201 stores the received user ID in the ID storage unit 201a and requests the authentication server 202 for authentication (S100).

The authentication server 202 accesses the member information database 203a, and
Authentication is performed using the user ID registered (or stored) in a (S101). If the authentication is successful, the authentication server 202 notifies the Web server 201 of the fact (S102). This authentication process is realized by executing a personal authentication program.

When the Web server 201 receives the notification that the authentication has been established, the Web server 201 distributes an HTML file as display data of a product selection screen (a screen also serving as a payment screen) to the user terminal 100 (S103). . The user terminal 100 interprets the delivered HTML file by a browser program and displays a product selection screen.
This product selection screen is configured as follows.

(1) The images of the merchandise to be sold are displayed in a list format. (2) At least one product can be selected by pointing (clicking) a predetermined position on the display screen with a mouse. (3) The input field for the second password is displayed. (4) A “payment” button is displayed on the same screen as the input field for the second password. (5) When it is detected that the “payment” button is instructed (clicked) with the mouse after inputting the second password, data specifying the selected product, the user ID stored in the ID storage unit 101, and the input The transmitted second password is transmitted to the Web server 201.

When at least one product is selected and the second password is input through the product selection screen, it is detected that the "payment" button is instructed (clicked) with the mouse ( (S104), the designation data of the selected product, the user ID stored in the ID storage unit 101, and the input second password are transmitted to the Web server 201 (S105).

It should be noted that whether the settlement is to be made with a credit card issued by the card company operating the card company site 300 or a credit card issued by another card company is displayed on the same or different screen as the product selection screen. The following processing may be performed only when a display for making a selection is made and the selection to make a payment with a credit card issued by the card company operating the card company site 300 is detected. If the selection of performing payment with a credit card issued by another card company is detected, the payment is performed by a conventional payment method.

When receiving the user ID, the Web server 201 requests the authentication server 202 for authentication. The authentication server 202 performs authentication in the same manner as described above. W
When the eb server 201 receives the notification from the authentication server 202 that the authentication has been established, the eb server 201 transfers the user ID stored in the ID storage unit 201a to the application server 301 of the card company site 300 (S106).
The received second password is similarly transferred to the application server 301.

Upon receiving the transferred user ID and second password, the application server 301
The settlement program 301a is started (executed). When the payment program 301a is started, the following processing is performed.

(1) Authentication using a second password.
(2) When the authentication of the second password is established, the Web
Using the user ID transferred from the server 201 as a search key, a credit card name corresponding to the user ID is searched from the member information database 302a. For example, when the user ID1 is transferred from the web server 201, "OO card" is searched as the credit card name corresponding to the user ID1. When the user ID 2 is transferred from the Web server 201, “OO card” and “OO card” are searched as the card names corresponding to the user ID 2. (3) The retrieved credit card name (there may be a plurality) is transmitted to the Web server 201 together with the user ID (S107).

The Web server 201 generates an HTML file as data for displaying a credit card selection screen in which the received card names are arranged in a predetermined layout, and distributes the file to the user terminal 100 (S10).
8).

This credit card selection screen is configured as follows. (1) At least a credit card is displayed so as to be selectable. (2) A “Send” button for sending the credit card selection result to the Web server 201 is displayed.

The credit card selection screen displays an image of a credit card at a position adjacent to the credit card name (for example, an image imitating the external shape and pattern of an actual credit card, an image imitating a mark of a credit card company, etc.). May be displayed to enable selection. For example, a member holds a credit card for each of a plurality of card companies, and a member information database 30
If registered in 2a, the name of each card company,
It is conceivable that a credit card name and an image imitating the credit card company award are displayed as one set on the same screen. Further, even in the case of a single card company, it holds a plurality of credit cards (for example, a gold card, a general card) issued by the card company and is registered in the member information database 302a. If there is, a card company name, a credit card name, and an image symbolizing the credit card held therein (for example, an image symbolizing a gold card or an image symbolizing a general card) are displayed as a set on the same screen. It is possible.

This credit card selection screen is displayed in S10
In 4, the "payment" button is instructed with the mouse (click)
In such a case, it is conceivable that the Web server 201 dynamically generates the CGI program by starting (executing) the CGI program.

The user terminal 100 receives the distributed HTM
The L file is interpreted by the browser program to display a credit card selection screen. The user who wants to purchase the product refers to the credit card name (or the image, if an image is displayed) on the credit card selection screen, and selects a credit card to be used for the current payment with a mouse or the like. Will be.

When a credit card is selected through the credit card selection screen and it is detected that the "send" button is instructed (clicked) with the mouse (S1).
09), the data designating the selected credit card (such as the credit card name) and the user ID stored in the ID storage unit 101 are transmitted to the Web server 201 (S110).

When receiving the user ID, the Web server 201 requests the authentication server 202 for authentication. The authentication server 202 performs authentication in the same manner as described above. W
Upon receiving the notification from the authentication server 202 that the authentication has been established, the eb server 201 transfers the received user ID and the designated data of the selected credit card to the application server 301 of the card company site 300 (S111). . Note that the received second password is similarly transferred to the application server 301.

Upon receiving the transferred user ID, credit card designation data, and second password, the application server 301 setstle the payment program 301
The following processing is performed according to a.

(1) Authentication using a second password.
(2) When the authentication of the second password is established, the Web
Using the user ID transferred from the server 201 as a search key, a credit card number and a credit card expiration date corresponding to the user ID are searched from the member information database 302a. (3) If a single credit card number is found, the credit card number and the expiration date of the credit card are
D to the Web server 201 (S11)
2). (4) When a plurality of credit card numbers are searched, the credit card number (one credit card number) of the credit card designated by the designated data of the selected credit card and its expiration date are entered together with the user ID. It is transmitted to the Web server 201 (S112).

The Web server 201 determines whether or not the received credit card is within the validity period. If it is determined that the received credit card is within the validity period, the Web server 201 stores the received credit card number in the payment agency ( A request for settlement of the purchase price of the product is sent to the server (S113).

After requesting the settlement, the Web server 201 distributes the HTML file to the user terminal 100 as the data for displaying the settlement completion screen (S114). The user terminal 100 interprets the delivered HTML file by a browser program and displays a payment completion screen. Thereby, the commodity purchase procedure is completed.

In the above example, the Web server 201 determines whether or not the expiration date of the credit card is within the expiration date, and if it is determined that the expiration date is within the expiration date, the credit card number is stored in the settlement agency ( It has been described that the payment for the purchase price of the product is requested (settlement means) by transmitting the request to the server installed at the institution. Instead of this, the processing shown in the bold frame in FIG. 2 may be performed in the card company site.

That is, it is determined in the card company site whether or not the expiration date of the credit card is within the expiration date. Payment means may be provided for requesting payment of the product purchase price by transmitting it to a server installed at an institution. Further, a payment means for performing payment processing may be provided in the card company. In this way, the settlement can be performed without any notification of the credit card number to the partner site 200, so that the security can be further improved.

In the above example, the card company site has been described as an example of the predetermined site (or the settlement execution site). However, the present invention is not limited to this. For example, a site operated by a bank may be used. It may be a site. Further, as the settlement information, a credit card number has been described as an example, but the present invention is not limited to this, and may be, for example, a bank account number. Also, the case where there is only one partner site 200 has been described.
It goes without saying that there may be a plurality of.

In the above example, the ID and the password registered in the database 203a of the partner site 200 are described as being the same as those registered in the member information database 302a. A unique ID and password may be registered in the database 203a for each partner site 200. In this case, the user enters a unique ID and password for each affiliated partner site 200 to log in to the affiliated site 200, and then, through the ID / password input screen displayed at a predetermined timing, a member information database. 302
The user inputs the ID associated with the credit card number registered in a.

The ID associated with the credit card number is the user ID of the web server 201.
It is stored in the storage unit 201a, transmitted to the card company site 300 at a predetermined timing, and settlement is performed in the same manner as in the above example.

Note that the merchandise sales site 200 in the above settlement system may be configured as follows. A second storage device 203a such as a hard disk device storing a part or all of the user ID stored in a storage device such as a hard disk device of the card company site 300 as a predetermined site, and a user ID transmitted from the user terminal 100 And a means for performing authentication using the user ID stored in the second storage device when the information is acquired.

The merchandise sales site 200 in the above settlement system may be configured as follows. A part or all of the user ID is read out from a storage device such as a hard disk device of the card company site 300 as a predetermined site at a predetermined timing, and is read out from the second storage device 203a.
A merchandise sales site 200 in the above-mentioned settlement system, comprising means for storing in the settlement system.

Further, the settlement system may be configured as follows. Card company site 30 as a predetermined site
The storage device such as a hard disk device of No. 0 further stores data (credit card name, etc.) for identifying the credit card owned by the user in association with the user ID. And a means for reading a data specifying a credit card corresponding to the obtained user ID from a storage device such as a hard disk device of the card company site 300. Obtains the data specifying the read credit card through the communication means, generates data for displaying a credit card selection screen, and displays the generated data for displaying the credit card selection screen. Means for transmitting to the user terminal. The user terminal 100 acquires data for displaying a credit card selection screen from the merchandise sales site 200 via communication means, and displays a credit card selection screen, and a credit card used for settlement via the credit card selection screen. And a selecting means for selecting a credit card. The payment system further includes a payment means for performing payment using a credit card number corresponding to the credit card selected by the selecting means.

Next, another embodiment will be described. In the above embodiment, the ID input by the user is described as being the same as the ID registered in the member information database 302a. However, in the other embodiments, the ID input by the user is the member information database 302a. The settlement system in the case where the ID is different from the ID registered in is described.

The structure of the settlement system of this embodiment is basically the same as that of the above embodiment, but differs in the following two points. Other configurations are the same as those of the above embodiment.

(1) In the member information database 302a, a second user ID, password, second password, credit card number, credit card number, Has registered the name of the credit card owned by the company and the expiration date of the credit card number. That is, the second embodiment differs from the above embodiment in that a second user ID different from the first user ID input by the user is registered.

(2) The partner site 200 further includes:
First user ID transmitted from user terminal 100
And obtains the obtained first user ID as the second user ID.
Means for converting the user ID into the user ID. As this means, for example, a table in which a first user ID and a second user ID of the user are associated with each other is stored in a storage device such as a hard disk device of the partner site 200 for each user. Referring to this table, the first user ID is changed to the second user I
It is possible to convert to D.

The settlement system thus configured operates as follows. The operation of the settlement system is substantially the same as the operation of the system of the above embodiment, and therefore, the description will be focused on the differences.

In the above embodiment, the user terminal 100 has been described as being input with a user ID. Also,
In S111, the Web server 201 has transferred the user ID received from the user terminal 100 to the application server 301 of the card company site 300. When the application server 301 receives the transferred user ID, credit card designation data, and second password, the payment server 301a
Has been described in which the user ID transferred from the Web server is used as a search key to search the credit card number and the credit card expiration date corresponding to the user ID from the member information database 302a.

In another embodiment, the user terminal 1
At 00, the first user ID is input. Also, W
The eb server 201 refers to a table (not shown) in which the first user ID and the second user ID are associated, and receives the first user ID and the second user ID from the user terminal 100.
Is converted to the second user ID, and the converted second user ID is used as the card company site 300.
To the application server 301. Also, the application server 301 transmits the second
Receiving the user ID, credit card designation data and the second password, the payment program 301a
By using the second user ID transferred from the Web server as a search key, the member information database 302a
Retrieves the credit card number and the expiration date of the credit card corresponding to the second user ID. The settlement means performs the settlement using the searched credit card number. Other processes are the same as those in the above embodiment.

As described above, the user inputs I
D is I registered in the member information database 302a.
Even if it is different from D, settlement can be performed.

In the above two embodiments, the credit card number has been described as an example of the settlement information. However, an account number of a bank or a post office may be used as the settlement information. In this case, the member information database 302
In a, the user ID, account number, and information for specifying the type of account are stored for each user. The predetermined site in this case may be a card company site, a site operated by a bank or a post office, or another site, and is not limited to the card company site. As described above, when the account number of the bank or the post office is used as the settlement information, a screen for selecting an account type is displayed instead of the above-mentioned credit card selection screen, and the account of the selected type is displayed. It is possible to settle with the corresponding account number.

In the above-described other embodiments, a case has been described in which there is one table in which the first user ID and the second user ID are associated with each other. However, a similar table may be further provided. .

For example, a table in which the third user ID and the fourth user ID are associated with each other is stored in a partner site 200 having a table in which the first user ID is associated with the second user ID. May be further provided. Then, when the third user ID is input to the user terminal 100, referring to the table,
Converting the third user ID to a fourth user ID,
The second user ID converted from the first user ID
Transfer to a specified site (not limited to card companies such as card companies, banks and post offices) that is different from the specified site (card companies, banks and post offices etc.) Then, payment is made at a predetermined site of the transfer destination. Note that a table similar to the table in which the first user ID and the second user ID are associated (for example, a table in which the fifth user ID and the sixth user ID are associated) is provided. Thus, it is possible to further increase the number of predetermined destination sites.

As described above, when there are a plurality of predetermined sites, the user needs to determine which of the predetermined sites to settle. The determination of the predetermined site may be performed as follows.

(1) Predetermined sites (card companies, banks,
A user ID corresponding to a predetermined site selected by a mouse or the like (held by the predetermined site) by displaying a screen on which the user can select a card company (not limited to a card company such as a post office).
(For example, a first user ID input screen, a third user ID input screen, or a fifth user ID input screen ...).

(2) Without displaying the predetermined site selection screen, the first user ID input field, the third user ID input field, and the fifth user ID are displayed on the same screen. Display the input field of.

In the above two embodiments, the user terminal 100 has been described as an information terminal such as a personal computer. However, a portable information terminal such as a mobile phone or a PDA, a navigation device or a vehicle-mounted computer has been described. An in-vehicle device such as a terminal may be used. In this case, the user accesses the partner site using a unique ID (for example, a unique product number assigned at the time of manufacture) previously stored in the self-memory of each terminal as the user ID. Is possible.
This way, users can purchase products
There is no need to enter a user ID at all.

The present invention can be embodied in various other forms without departing from the spirit or main characteristics thereof. For this reason, the above-described embodiment is merely an example in all aspects, and is not to be construed as limiting.

[0075]

According to the present invention, the settlement information such as the credit card number is centrally held and managed without distributing and maintaining the settlement information such as the credit card number for each server. It becomes possible.

[Brief description of the drawings]

FIG. 1 is a diagram mainly illustrating a schematic system configuration of a settlement system for explaining an embodiment of the present invention.

FIG. 2 is a flowchart for explaining the operation of the settlement system.

[Explanation of symbols]

 100 User terminal 200 Partner site (product sales site) 202 Authentication server 203a Member information database 300 Card company site 302a Member information database N Internet

Claims (16)

[Claims] 1. A site for performing settlement using settlement information, a storage device storing a user ID and settlement information in association with each other, and communication means for performing data communication with a product sales site. Reading means for acquiring a user ID transmitted from a merchandise sales site via the communication means and reading settlement information corresponding to the acquired user ID from the storage device; And a payment means for performing payment for the purchased product using the information. 2. A user terminal, a merchandise sales site, and
A payment system including a predetermined site, wherein the user terminal is a first communication unit that performs data communication with the product sales site, an input unit that inputs a user ID, and a user that is input by the input unit. Means for transmitting an ID to the merchandise sales site via the first communication means, the merchandise sales site is a second communication means for performing data communication with the predetermined site, and the user Means for acquiring a user ID transmitted from the terminal, and transmitting the acquired user ID to the predetermined site via the second communication means. A storage device in which information is stored in association with the user ID, and a user ID transmitted from the merchandise sales site is acquired, and the acquired user ID corresponds to the acquired user ID. Payment system comprising a payment means, the which includes reading means for reading out completion information from said storage device, and performs the settlement of the purchase using the read settlement information was. 3. The payment system according to claim 2, wherein said payment means is provided at said predetermined site. 4. The settlement means provided in the commodity sales site, acquires settlement information read by the reading means via the second communication means, and acquires the acquired settlement information. The settlement system according to claim 2, wherein the settlement is performed using the business information. 5. The payment system according to claim 1, wherein the payment information is a credit card number. 6. The storage device further stores data specifying a credit card owned by a user in association with a user ID, and the user terminal includes a selection unit for selecting a credit card used for payment. The payment system according to claim 5, further comprising: 7. A user terminal, a merchandise sales site, and
A payment system including a predetermined site, wherein the user terminal is configured to: a first communication unit that performs data communication with the merchandise sales site; an input unit that inputs a first user ID; Transmitting the first user ID to the product sales site via the first communication unit, wherein the product sales site performs data communication with the predetermined site. Communication means, means for acquiring a first user ID transmitted from the user terminal, and means for converting the acquired first user ID into a second user ID; Means for transmitting to a predetermined site via the second communication means, the predetermined site comprising: a storage device storing a second user ID and payment information in association with each other; The second user ID sent from the product sales site
And reading means for reading out the payment information corresponding to the obtained second user ID from the storage device, and performing payment of the purchased product using the read payment information. A settlement means, comprising: 8. The settlement system according to claim 7, wherein said settlement means is provided at said predetermined site. 9. The settlement means, which is provided at the merchandise sales site, acquires settlement information read by the reading means via the second communication means, and acquires the acquired settlement. The settlement system according to claim 7, wherein the settlement is performed using the information for use. 10. The payment system according to claim 7, wherein the payment information is a credit card number. 11. The storage device further stores data specifying a credit card owned by a user in association with a user ID, wherein the user terminal includes:
The settlement system according to claim 10, further comprising a selection unit that selects a credit card used for settlement. 12. A settlement method for performing settlement using settlement information, comprising: acquiring a user ID transmitted from a merchandise selling site via communication means; and acquiring a user ID corresponding to the acquired user ID. A payment method, wherein information is read from a storage device in which a user ID and payment information are stored in association with each other, and payment of a purchased product is performed using the read payment information. 13. A procedure for acquiring a user ID transmitted from a merchandise sales site via a communication means, wherein the settlement information corresponding to the acquired user ID is
A record in which a program for causing a computer to execute a procedure for reading from a storage device storing a user ID and settlement information in association with each other, and a procedure for performing settlement of a purchased product using the read settlement information is recorded. Medium. 14. A procedure for acquiring a user ID transmitted from a merchandise selling site via a communication means via a communication means, wherein the settlement information corresponding to the acquired user ID is:
A program for causing a computer to execute a procedure of reading from a storage device in which a user ID and payment information are stored in association with each other, and a procedure of performing payment of a purchased product using the read payment information. 15. A settlement method using a network, wherein the user terminal transmits the user ID input by the input means to the merchandise sales site via the first communication means, and the merchandise sales site transmits the user ID to the user. A user ID transmitted from the terminal is obtained, the obtained user ID is transmitted to a predetermined site via the second communication means, and the predetermined site obtains the user ID transmitted from the product sales site. Then, the payment information corresponding to the acquired user ID is read from the storage device storing the user ID and the payment information in association with each other, and the payment of the purchased product is performed using the read payment information. Payment method to be performed. 16. A settlement method using a network, wherein the user terminal transmits the first user ID input by the input means to the merchandise sales site via the first communication means, and the merchandise sales site transmits the first user ID. Acquiring a first user ID transmitted from the user terminal, converting the acquired first user ID into a second user ID, and transmitting the second user ID to a predetermined site via a second communication unit. A predetermined site is transmitted from the product sales site in the second
And reads the settlement information corresponding to the acquired second user ID from the storage device storing the second ID and the settlement information in association with each other. A payment method that uses the payment information to pay for purchased products.